0001019687-14-001620.txt : 20140501 0001019687-14-001620.hdr.sgml : 20140501 20140501154250 ACCESSION NUMBER: 0001019687-14-001620 CONFORMED SUBMISSION TYPE: 10-Q PUBLIC DOCUMENT COUNT: 10 CONFORMED PERIOD OF REPORT: 20140331 FILED AS OF DATE: 20140501 DATE AS OF CHANGE: 20140501 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Shepherd's Finance, LLC CENTRAL INDEX KEY: 0001544190 STANDARD INDUSTRIAL CLASSIFICATION: SHORT-TERM BUSINESS CREDIT INSTITUTIONS [6153] IRS NUMBER: 364608739 STATE OF INCORPORATION: PA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 10-Q SEC ACT: 1934 Act SEC FILE NUMBER: 333-181360 FILM NUMBER: 14804783 BUSINESS ADDRESS: STREET 1: 12276 SAN JOSE BLVD, SUITE 108 CITY: JACKSONVILLE STATE: FL ZIP: 32223 BUSINESS PHONE: 9045033989 MAIL ADDRESS: STREET 1: 12276 SAN JOSE BLVD, SUITE 108 CITY: JACKSONVILLE STATE: FL ZIP: 32223 10-Q 1 shepherds_10q-033114.htm ANNUAL REPORT

 

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, DC 20549

____________________

FORM 10-Q

____________________

 

xQuarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

 

For the Quarterly Period Ended March 31, 2014

 

or

 

oTransition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

 

For the Transition Period From         to

 

Commission File Number 333-181360

____________________

SHEPHERD’S FINANCE, LLC

(Exact name of registrant as specified on its charter)

____________________

DELAWARE 36-4608739
(State or other jurisdiction of (I.R.S. Employer
Incorporation or organization) Identification No.)

 

12627 San Jose Blvd., Suite 203, Jacksonville, FL 32223

(Address of principal executive offices)

 

302-752-2688

(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  o

 

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 the registrant was required to submit and post such files). Yes  x  No  o

 

Indicate by check mark whether the registrant is a large accelerated filer, accelerated filer, or non-accelerated filer. See definition of “accelerated filer and large accelerated filer” in Rule 12b-2 of the Exchange Act.

 

Large accelerated filer o Accelerated filer o
Non-accelerated filer o Smaller reporting company x

 

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

 

 
 


FORM 10-Q

SHEPHERD’S FINANCE, LLC

TABLE OF CONTENTS

 

  Page
Cautionary Note Regarding Forward-Looking Statements 3
PART I. FINANCIAL INFORMATION
Item 1. Financial Statements 4
Condensed Consolidated Balance Sheets as of March 31, 2014 (Unaudited) and December 31, 2013 4
Condensed Consolidated Statements of Operations (Unaudited) for the Three Months Ended March 31, 2014 and 2013 5
Condensed Consolidated Statement of Changes in Members’ Capital (Unaudited) for the Three Months Ended March 31, 2014 6
Condensed Consolidated Statements of Cash Flows (Unaudited) for the Three Months Ended March 31, 2014 and 2013 7
Notes to Condensed Consolidated Financial Statements (Unaudited) 8
Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations 23
Item 3. Quantitative and Qualitative Disclosure About Market Risk 38
Item 4. Controls and Procedures 38
PART II. OTHER INFORMATION  
Item 1. Legal Proceedings 39
Item 1A. Risk Factors 39
Item 2. Unregistered Sales of Equity Securities and Use of Proceeds 39
Item 3. Defaults upon Senior Securities 39
Item 4. Mine Safety Disclosures 39
Item 5. Other Information 39
Item 6. Exhibits 39

 

 

2
 

 

CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS

 

Certain statements contained in this Form 10-Q of Shepherd’s Finance, LLC, other than historical facts, may be considered forward-looking statements within the meaning of the federal securities laws. Words such as “may,” “will,” “expect,” “anticipate,” “believe,” “estimate,” “continue,” “predict,” or other similar words identify forward-looking statements. Forward-looking statements appear in a number of places in this report, including without limitation, “Management’s Discussion and Analysis of Financial Condition and Results of Operations,” and include statements regarding our intent, belief or current expectation about, among other things, trends affecting the markets in which we operate, our business, financial condition and growth strategies. Although we believe that the expectations reflected in these forward-looking statements are based on reasonable assumptions, forward-looking statements are not guarantees of future performance and involve risks and uncertainties. Actual results may differ materially from those predicted in the forward-looking statements as a result of various factors, including but not limited to those set forth in the “Risk Factors” section of our Annual Report on Form 10-K for the year ended December 31, 2013, as filed with the Securities and Exchange Commission. If any of the events described in “Risk Factors” occur, they could have an adverse effect on our business, consolidated financial condition, results of operations and cash flows.

 

When considering forward-looking statements, you should keep these risk factors, as well as the other cautionary statements in this report and in our 2013 Form 10-K in mind. You should not place undue reliance on any forward-looking statement. We are not obligated to update forward-looking statements.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

3
 

 

PART I – FINANCIAL INFORMATION

 

ITEM 1. FINANCIAL STATEMENTS

 

Shepherd’s Finance, LLC

Interim Condensed Consolidated Balance Sheets

 

   As of 
   March 31,
2014		   December 31,
2013		 
(in thousands of dollars)  (Unaudited)     
         
Assets          
Cash and cash equivalents  $511   $722 
Accrued interest on loans   38    27 
Deferred financing costs, net   654    649 
Other assets   23    14 
Loans receivable, net   5,169    4,045 
Total assets  $6,395   $5,457 
Liabilities and Members’ Capital          
Customer interest escrow  $247   $255 
Accounts payable and accrued expenses   83    59 
Notes payable unsecured   4,160    3,239 
Total liabilities   4 ,490    3,553 
           
Commitments and Contingencies (Notes 4 and 8)          
           
Members’ capital   1,905    1,904 
           
Total liabilities and members’ capital  $6,395   $5,457 

 

 

The accompanying notes are an integral part of these interim condensed consolidated financial statements.

 

4
 

 

Shepherd’s Finance, LLC

Interim Condensed Consolidated Statements of Operations – Unaudited

For the Three Months Ended March 31, 2014 and 2013

 

   Three Months
Ended		 
(in thousands of dollars)  2014   2013 
Interest Income          
Interest and fee income on loans  $196   $126 
Interest expense   63    27 
           
Net interest income   133    99 
Less:  Loan loss provision   1    – 
           
Net interest income   132    99 
           
Non-Interest Expense          
Selling, general and administrative   115    140 
           
Total non-interest expense   115    140 
           
Net income (loss)  $17   $(41)

 

 

The accompanying notes are an integral part of these interim condensed consolidated financial statements.

 

5
 

 

Shepherd’s Finance, LLC

Interim Condensed Consolidated Statement of Changes in Members’ Capital – Unaudited

For the Three Months Ended March 31, 2014

 

(in thousands of dollars)    
Members’ capital, as of December 31, 2013  $1,904 
Net income   17 
Distributions   (16)
      
Members’ capital, as of March 31, 2014  $1,905 

 

 

The accompanying notes are an integral part of these interim condensed consolidated financial statements.

 

6
 

 

Shepherd’s Finance, LLC

Interim Condensed Consolidated Statements of Cash Flows – Unaudited

 

   For the Three Months
Ended March 31,		 
(in thousands of dollars)  2014   2013 
Cash flows from operations          
Net income (loss)  $17   $(41)
Adjustments to reconcile net income (loss) to net cash provided by (used in) operating activities          
Amortization of deferred financing costs   12    4 
Net loan origination fees deferred (earned)   13    (49)
Net change in operating assets and liabilities          
Other operating assets   (8)   3 
Accrued interest on loans   (11)   – 
Customer interest escrow   (8)   (45)
Accounts payable and accrued expenses   24    13 
           
Net cash provided by (used in) operating activities   39    (115)
           
Cash flows from investing activities          
Loan originations and principal collections, net   (1,138)   111 
           
Net cash provided by (used in) investing activities   (1,138)   111 
           
Cash flows from financing activities          
Distributions to members   (16)   (22)
Proceeds from (repayments of) related party notes   –    (629)
Proceeds from (repayments of) unsecured Notes   921    50 
Payments of deferred financing costs   (17)   (33)
           
Net cash provided by (used in) financing activities   888    (634)
           
Net increase (decrease) in cash and cash equivalents   (211)   (638)
           
Cash and cash equivalents          
Beginning of period   722    646 
End of period  $511   $8 
Supplemental disclosure of cash flow information          
Cash paid for interest  $9   $6 

 

 

The accompanying notes are an integral part of these interim condensed consolidated financial statements.

 

7
 

 

Information presented throughout these notes to the interim condensed consolidated financial statements (Unaudited) is in thousands of dollars.

 

1. Description of Business and Basis of Presentation

 

Description of Business

 

Description of Business

Shepherd’s Finance, LLC and subsidiaries (the “Company”, “we” or “our”) is a finance company that engages in commercial lending to residential homebuilders, financing construction of single family homes and residential development. The loans are extended to residential homebuilders and, as such, are commercial loans.

 

We anticipate expanding our lending capacity and funding our business operations by continued extension of unsecured subordinated notes (“Notes”) to the general public, which Notes are unsecured subordinated debt. We have a revolving secured line of credit from affiliates with no balance outstanding as of both March 31, 2014 and December 31, 2013. Eventually, the Company intends to permanently replace the debt to affiliates with secured debt from a bank or through other liquidity.

 

Basis of Presentation

The accompanying (a) condensed consolidated balance sheet as of December 31, 2013, which has been derived from audited consolidated financial statements, and (b) unaudited interim condensed consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America (“U.S. GAAP”) for interim financial information and the instructions to Form 10-Q and Article 10 of Regulation S-X. While certain information and disclosures normally included in financial statements prepared in accordance with U.S. GAAP have been condensed or omitted pursuant to the rules and regulations of the Securities and Exchange Commission (“SEC”), management believes that the disclosures herein are adequate to make the condensed consolidated information presented not misleading. In the opinion of management, the unaudited interim condensed consolidated financial statements reflect all adjustments necessary for a fair presentation of the consolidated financial position, results of operations and cash flows for the periods presented. Such adjustments are of a normal, recurring nature. The results of operations for any interim period are not necessarily indicative of results expected for the fiscal year ending December 31, 2014. These unaudited interim condensed consolidated financial statements should be read in conjunction with the year end 2013 consolidated financial statements and notes thereto included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2013 (the “2013 Statements”). The accounting policies followed by the Company are set forth in Note 2 - Summary of Significant Accounting Policies of the notes to the 2013 Statements.

 

Liquidity and Capital Resources

 

Our operations are subject to certain risks and uncertainties, particularly related to the concentration of our current operations, the majority of which are to a single customer and geographic region, as well as the evolution of the current economic environment and its impact on the United States real estate and housing markets. Both the concentration of risk and the economic environment could directly or indirectly impact losses related to certain transactions and access to and cost of adequate financing.

 

8
 

 

The Company’s anticipated primary source of liquidity going forward is the continued extension of Notes to the general public, interest income and/or principal repayments related to the loans, as well as funds borrowed from affiliated creditors.  Our public Notes offering, which allows us to borrow money, was declared effective by the SEC on October 4, 2012 and has been registered and declared effective in 38 states as of both March 31, 2014 and December 31, 2013. We began to advertise in March 2013 and received an aggregate of approximately $2,660 and $1,739 in Notes proceeds as of March 31, 2014 and December 31, 2013, respectively. We anticipate continuing our sales efforts in the remainder of 2014, focusing on the efforts that have proven fruitful. The Company’s ability to fund its operations remains dependent upon the ability of our largest borrower, whose loan commitments represent 83% and 98% of our total outstanding loan commitments as of March 31, 2014 and December 31, 2013, respectively, to continue paying interest and/or principal and our ability to obtain additional financing, as needed, from the members, general public and other entities. The risk of our largest customer not paying interest is mitigated in the short term by having an interest escrow, which had a balance of $215 and $255 as of March 31, 2014 and December 31, 2013, respectively. While a default by this large customer could impact our cash flow and/or profitability in the long term, we believe that in the short term, a default might impact profitability, but not liquidity, as we are not receiving interest payments from the customer while he is performing (interest is being credited from his interest escrow).

 

We generated net income (loss) of $17 and ($41) for the three months ended March 31, 2014 and 2013 respectively. At March 31, 2014 and December 31, 2013, we had cash on hand of $511 and $722, respectively, and our outstanding debt totaled $4,160 and $3,239, respectively, which was unsecured or payable to related parties. As of March 31, 2014 and December 31, 2013, the amount that we have not loaned, but are obligated to potentially lend to our customers based on our agreements with them, was $2,262 and $1,449, respectively. Our availability on our line of credit from our members was $1,500 as of both March 31, 2014 and December 31, 2013.

 

Our current plan is to expand the commercial lending program by using current liquidity and available funding (including funding from our Notes program). We have anticipated the costs of this expansion and the continuing costs of maintaining our public company status, and we anticipate generating, through normal operations, the cash flows and liquidity necessary to meet our operating, investing and financing requirements. As noted above, the two most significant factors driving our current plans are the continued payments of principal and/or interest by our largest borrower and the public offering of Notes. If actual results differ materially from our current plan or if expected financing is not available, we believe we have the ability and intent to obtain funding and generate net worth through additional debt or equity infusions of cash, if needed. There can be no assurance, however, that we will be able to implement our strategies or obtain additional financing under favorable terms, if at all.

 

2. Summary of Significant Accounting Policies

 

Segment Reporting

 

We report all ongoing operations in one segment, commercial lending.

 

Use of Estimates

 

The preparation of consolidated financial statements in conformity with 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 consolidated financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. It is reasonably possible that market conditions could deteriorate, which could materially affect our consolidated financial position, results of operations and cash flows. Among other effects, such changes could result in the need to increase the amount of our allowance for loan losses.

 

Revenue Recognition

 

Interest income generally is recognized on an accrual basis. The accrual of interest is generally discontinued on all loans past due 90 days or more. All interest accrued but not collected for loans that are placed on nonaccrual or charged off is reversed against interest income, unless management believes that the accrued interest is recoverable through liquidation of collateral. Interest received on nonaccrual loans is applied against principal. Interest on accruing impaired loans is recognized as long as such loans do not meet the criteria for nonaccrual status.

 

9
 

 

Advertising

 

Advertising costs are expensed as incurred and are included in selling, general, and administrative. Advertising expenses were $0 and $8 for the three months ended March 31, 2014 and 2013, respectively.

 

Cash and Cash Equivalents

 

Management considers highly-liquid investments with original maturities of three months or less to be cash equivalents.

 

Fair Value Measurements

 

The Company has established a framework for measuring fair value under U.S. GAAP using a hierarchy, which requires the Company to maximize the use of observable inputs and minimize the use of unobservable inputs. Fair value measurements are an exit price, representing the amount that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants. Three levels of inputs are used to measure fair value, as follows:

 

Level 1 – quoted prices in active markets for identical assets or liabilities;

 

Level 2 – quoted prices in active markets for similar assets and liabilities and inputs that are observable for the asset or liability; or

 

Level 3 – unobservable inputs, such as discounted cash flow models or valuations.

 

The determination of where assets and liabilities fall within this hierarchy is based upon the lowest level of input that is significant to the fair value measurement. See Note 3.

 

Loans Receivable

 

Loans are stated at the amount of unpaid principal, net of any allowances for loan losses, and adjusted for (1) the net amount of direct costs and nonrefundable loan fees associated with lending, and (2) deposits made by the borrowers used as collateral for a loan and due back to the builder at or prior to loan payoff. The net amount of nonrefundable loan origination fees and direct costs associated with the lending process, including commitment fees, is deferred and accreted to interest income over the lives of the loans using a method that approximates the interest method. The majority of the Company’s loans are secured by real estate in a suburb of Pittsburgh, Pennsylvania. Accordingly, the ultimate collectability of a substantial portion of these loans is susceptible to changes in market conditions in that area.

 

Past due loans are loans contractually past due 30 days or more as to principal or interest payments. A loan is classified as nonaccrual, and the accrual of interest on such loan is discontinued, when the contractual payment of principal or interest becomes 90 days past due. In addition, a loan may be placed on nonaccrual at any other time management has serious doubts about further collectability of principal or interest according to the contractual terms, even though the loan is currently performing. A loan may remain on accrual status if it is in the process of collection or well-secured (i.e. the loan has sufficient collateral value). Loans are restored to accrual status when the obligation is brought current or has performed in accordance with the contractual terms for a reasonable period of time and the ultimate collectability of the total contractual principal and interest is no longer in doubt.

 

A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Impaired loans, or portions thereof, are charged off when deemed uncollectible. Once a loan is 90 days past due, management begins a workout plan with the borrower or commences its foreclosure process on the collateral.

 

10
 

 

Allowance for Loan Losses

 

The allowance for loan losses, when determined to be necessary, is maintained at a level believed adequate by management to absorb probable losses inherent in the loan portfolio.

 

For loans to one borrower with committed balances less than 10% of our total committed balances on all loans extended to all customers, we establish a collective reserve for all loans which are not more than 60 days past due at the end of a quarter. This collective reserve takes into account both historical information and a qualitative analysis of housing and other economic factors that may impact our future realized losses. For loans to one borrower with committed balances less than 10% of our total committed balances on all loans extended to all customers, we individually analyze for impairment all loans which are more than 60 days past due at the end of a quarter. For loans to one borrower with committed balances equal to or greater than 10% of our total committed balances on all loans extended to all customers, we individually analyze all loans for impairment. The analysis of loans, if required, includes a comparison of estimated collateral value to the principal amount of the loan. If the value determined is less than the principal amount due (less any builder deposit), then the difference is included in the loan loss. As values change, estimated loan losses may be provided for more or less than the previous period, and some loans may not need a loss provision based on payment history.  For homes which are partially complete, we appraise on an as-is and completed basis, and use the one that more closely aligns with our planned method of disposal for the property.

 

For loans that are individually evaluated for impairment, appraisals have been prepared within the last 13 months. There are also broker’s opinions of value (“BOV”) prepared, if the appraisal is more than six months old. The lower of any BOV prepared in the last six months, or appraisal done in the last 13 months, is used, unless we determine a BOV to be invalid based on the comparable sales used. If we determine a BOV to be invalid, we will use the appraised value. Appraised values are adjusted down for estimated costs associated with asset disposal.

 

Deferred Financing Costs, Net

 

We defer certain costs associated with financing activities related to the issuance of debt securities (Deferred financing costs). These costs consist primarily of professional fees incurred related to the transactions. Deferred financing costs are amortized into interest expense over the life of the related debt. We make estimates for the amount of proceeds we anticipate receiving from our Notes offering. We also estimate the average duration of these future investments. If either of these estimates is determined to be incorrect in the future, the rate at which we are amortizing the deferred offering costs as interest expense would be adjusted and could have a material impact on the consolidated financial statements.

 

For the year ended December 31, 2012, our deferred financing costs included private offering costs incurred of $11. These costs were being amortized over the life of that offering, but because no funds were received from the private offering, the private offering was terminated during the third quarter of 2013. Accordingly, the private offering costs were written-off in the third quarter of 2013.

 

11
 

 

The following is a roll forward of deferred financing costs:

 

  

Three Months

Ended
March 31,
2014

   Year Ended
December 31,
2013		  

Three Months

Ended
March 31,
2013

 
                
Deferred financing costs, beginning balance  $669   $598   $598 
Additions   17    82    33 
Write-offs   –    (11)   – 
                
Deferred financing costs, ending balance  $686   $669   $631 
                
Less accumulated amortization   (32)   (20)   (6)
                
Deferred financing costs, net  $654   $649   $625 

 

The following is a roll forward of the accumulated amortization of deferred financing costs:

 

   Three Months
Ended
March 31,
2014		   Year Ended
December 31,
2013		   Three Months
Ended
March 31,
2013		 
             
Accumulated amortization, beginning balance  $20   $2   $2 
Additions  12   18   4 
             
Accumulated amortization, ending balance  $32   $20   $6 

 

Income Taxes

 

The entities included in the condensed consolidated financial statements are organized as pass-through entities under the Internal Revenue Code. As such, taxes are the responsibility of the members. Other significant taxes for which the Company is liable are recorded on an accrual basis.

 

The Company applies ASC Topic 740, Income Taxes (“ASC 740”). ASC 740 provides guidance for how uncertain tax positions should be recognized, measured, presented and disclosed in the consolidated financial statements and requires the evaluation of tax positions taken or expected to be taken in the course of preparing the Company’s consolidated financial statements to determine whether the tax positions are “more-likely-than-not” to be sustained by the applicable tax authority. Tax positions with respect to income tax at the LLC level not deemed to meet the “more-likely-than-not” threshold would be recorded as a tax benefit or expense in the appropriate period. Management concluded that there are no uncertain tax positions that should be recognized in the consolidated financial statements. With few exceptions, the Company is no longer subject to income tax examinations for years prior to 2010.

 

The Company’s policy is to record interest and penalties related to taxes in interest expense on the consolidated statements of operations. There have been no significant interest or penalties assessed or paid.

 

Risks and Uncertainties

 

The Company is subject to many of the risks common to the commercial lending and real estate industries, such as general economic conditions, decreases in home values, decreases in housing starts, and high unemployment. These risks, which could have a material and negative impact on the Company’s consolidated financial condition, results of operations, and cash flows include, but are not limited to, declines in housing starts, unfavorable changes in interest rates, and competition from other lenders. At March 31, 2014, our loans were primarily concentrated in a suburb of Pittsburgh, Pennsylvania, so the housing starts and prices in that area are more significant to our business than other areas until and if more loans are created in other markets.

 

12
 

 

Concentrations

 

Financial instruments that potentially subject the Company to concentrations of credit risk consist principally of loans receivable. As of March 31, 2014, 83% of our loan commitments consist of loans to one borrower, and the collateral is in one real estate market.

 

3. Fair Value

 

At March 31, 2014 and December 31, 2013, the Company had no assets measured at fair value on a recurring or nonrecurring basis. The Company has determined that the carrying value of financial instruments approximates fair value, as outlined below:

 

Cash and Cash Equivalents

 

The carrying amount approximates fair value because of the short maturity of these instruments.

 

Loans Receivable and Commitments to Extend Credit

 

For variable rate loans that reprice frequently with no significant change in credit risk, estimated fair values are based on carrying values at March 31, 2014 and December 31, 2013. The estimated fair values for other loans are calculated by discounting the future cash flows using current rates at which similar loans would be made to borrowers with similar credit ratings and the same remaining maturities and approximate carrying values of these instruments at March 31, 2014 and December 31, 2013. For unfunded commitments to extend credit, because there would be no adjustment between fair value and carrying amount for the amount if actually loaned, there is no adjustment to the amount before it is loaned. The amount for commitments to extend credit is zero in the tables below because there is no difference between carrying value and fair value, and the amount is not recorded on the consolidated balance sheets as a liability.

 

Customer Interest Escrow

 

The customer interest escrow does not yield interest to the customer, but because: 1) the customer loans are demand loans, 2) there is no way to estimate how long the escrow will be in place, and 3) the interest rate which could be used to discount this amount is negligible, the fair value approximates the carrying value at both March 31, 2014 and December 31, 2013.

 

13
 

 

Borrowings under Credit Facilities

 

The fair value of the Company’s borrowings under credit facilities is estimated based on the expected cash flows discounted using the current rates offered to the Company for debt of the same remaining maturities. As all of the borrowings under credit facilities or the Notes are either payable on demand or at similar rates to what the Company can borrow funds for today, the fair value of the borrowings is determined to approximate carrying value at March 31, 2014 and December 31, 2013.

 

The table below is a summary of fair value estimates for financial instruments and the level of the fair value hierarchy (as discussed in Note 2) within which the fair value measurements are categorized at the periods indicated:

 

March 31, 2014

 

   Carrying Amount   Estimated
Fair Value		   Quoted Prices in Active Markets for Identical Assets
Level 1		  

Significant Other

Observable Inputs Level 2

   Significant Unobservable Inputs
Level 3		 
Financial Assets                       
Cash and cash equivalents  $511   $511   $511  $–  $– 
Loans receivable, net   5,169    5,169    –   –    5,169 
Financial Liabilities                       
Customer interest escrow   247    247    –   –    247 
Notes payable unsecured   4,160    4,160    –   –    4,160 
Notes payable related party   –    –    –   –    – 
Commitments to extend credit   57    57    –   –    57 

 

December 31, 2013

 

   Carrying Amount   Estimated
Fair Value		   Quoted Prices in Active Markets for Identical Assets
Level 1		   Significant Other Observable Inputs
Level 2		   Significant Unobservable Inputs
Level 3		 
Financial Assets                         
Cash and cash equivalents  $722   $722   $722   $–   $– 
Loans receivable, net   4,045    4,045    –    –    4,045 
Financial Liabilities                         
Customer interest escrow   255    255    –    –    255 
Notes payable unsecured   3,239    3,239    –    –    3,239 
Notes payable related party   –    –    –    –    – 
Commitments to extend credit   –    –    –    –    – 

 

4. Financing Receivables

 

Financing receivables are comprised of the following:

 

  

March 31,

2014

  

December 31,

2013

 
           
Commercial loans, gross  $5,858   $4,652 
Less: Deferred loan fees   (583)   (571)
Less: Deposits   (105)   (36)
Less: Allowance for loan losses   (1)   – 
           
Commercial loans, net  $5,169   $4,045 

 

14
 

 

Roll forward of commercial loans:

 

  

Three Months

Ended
March 31,
2014

   Year Ended
December 31,
2013		  

Three Months

Ended
March 31,
2013

 
                
Beginning balance  $4,045   $3,604   $3,604 
Additions   1,669    3,331    278 
Payoffs/Sales   (463)   (2,992)   (389)
Change in builder deposit   (68)   (36)   – 
Change in loan loss provision   (1)   –    – 
New loan fees   (104)   (121)   – 
Earned loan fees   91    259    49 
                
Ending balance  $5,169   $4,045   $3,542 

 

Commercial Construction and Development Loans

 

Pennsylvania Loans

 

On December 30, 2011, pursuant to a credit agreement by and between us, Benjamin Marcus Homes, LLC (“BMH”), Investor’s Mark Acquisitions, LLC (“IMA”) and Mark L. Hoskins (“Hoskins”) (collectively, the “Hoskins Group”) (as amended, the “Credit Agreement”), we originated two new loan assets, one to BMH as borrower (the “BMH Loan”) and one to IMA as borrower (the “New IMA Loan”). Pursuant to the Credit Agreement and simultaneously with the origination of the BMH Loan and the New IMA Loan, we also assumed the position of lender on an existing loan to IMA (the “Existing IMA Loan”) and assumed the position of borrower on another existing loan in which IMA serves as the lender (the “SF Loan”). Throughout this report, we refer to the BMH Loan, the New IMA Loan, and the Existing IMA Loan collectively as the “Pennsylvania Loans.” When we assumed the position of the lender on the Existing IMA Loan, we purchased a loan which was originated by the borrower’s former lender, and assumed that lender’s position in the loan and maintained the recorded collateral position in the loan. The borrower’s former lender and the seller of the BMH property are the same party, 84 FINANCIAL, L.P., an affiliate of 84 Lumber Company. The BMH Loan, the New IMA Loan and the Existing IMA Loan are all cross-defaulted and cross-collateralized with each other. Further, IMA and Hoskins serve as guarantors of the BMH Loan, and BMH and Hoskins serve as guarantors of the New IMA Loan and the Existing IMA Loan. As such, we are currently primarily reliant on a single developer and homebuilder for our revenues.

 

In April, July, September, and December 2013, and in March 2014, we entered into amendments to the Pennsylvania Loans. As a result of these amendments, BMH was allowed to borrow for the construction of homes on lots 204, 205, and 206 of the Hamlets subdivision and lots 2 and 5 of the Tuscany subdivision, both located in a suburb of Pittsburgh, Pennsylvania, and to borrow for the purchase of lot 5 of the Hamlets subdivision. The construction loan for lot 5 of the Tuscany subdivision is for an amount up to $747.5, and the construction loan for lot 2 of the Tuscany subdivision is for an amount up to the lesser of 60% of the appraised value of the home to be built on such lot or $750. Each of the construction loans are evidenced by promissory notes and are secured by first mortgages on the homes financed under such loans. Each of the construction loans is subject to a loan fee of 5% of the full amount of the loan, and bears interest at a rate of our cost of funds plus 2%. Unlike the development loans extended pursuant to the Credit Agreement, the release prices paid for each of the lots securing the construction loans will not be applied to fund the balance of the Interest Escrow established pursuant to the Credit Agreement, and interest on the construction loans will not be paid from the Interest Escrow. The outstanding balance of the construction loans for lots 2 and 5 of the Tuscany subdivision will not be included when calculating the amount outstanding pursuant to Section 2.05(f) of the Credit Agreement. Except as described in the amendments to the Credit Agreement, all other material terms of the construction loans are governed by the terms of the Credit Agreement.

 

15
 

 

As a result of these amendments to the Credit Agreement, we also issued a letter of credit for $155 to a sewer authority relating to BMH Loan (the “Letter of Credit”), and we allowed a fully funded mortgage in the amount of $1,146 to be placed in superior position to our mortgage, with the $1,146 proceeds being used to reduce the balance of BMH’s outstanding loan with us. A portion of the amount of the Letter of Credit is not included in our commitments to lend throughout the interim condensed consolidated financial statements contained in this report, as any amount drawn would be included in the credit limit of BMH, and, as of March 31, 2014, BMH is under the credit limit. The terms and conditions of the Pennsylvania Loans are set forth in further detail below.

 

A detail of the financing receivables for the Pennsylvania Loans at March 31, 2014 is as follows:

 

Item   Term   Interest Rate  

Funded to

borrower

       Estimated collateral values  
                       
BMH Loan   Demand(1)   COF +2%
(7% Floor)		              
Land for phases 3, 4, and 5           $ –       $ 1,042 (4)
Lot 5 Hamlets             142         180  
Interest Escrow             450         255  
Loan Fee             750         –  
Excess Paydown             (394 ) (5)        
Construction loan lot 118 Whispering Pines             139         354  
Construction loan lot 5 Tuscany             279         241  
Construction loan lot 2 Tuscany             280         250  
                           
Total BMH Loan             1,646         2,322  
IMA Loans                          
New IMA Loan (loan fee)   Demand(1)   COF +2%
(7% Floor)		     250         –  
New IMA Loan (advances)   Demand(1)   COF +2%
(7% Floor)		     1,766         –  
Existing IMA Loan   Demand(2)   7%     1,687         2,347 (3)
                           
Total IMA Loans             3,703         2,347  
                           
Unearned Loan Fee             (529 )       –  
SF Loan Payable             –         1,500  
                           
Total           $ 4,820       $ 6,169  

 

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A detail of the financing receivables for the Pennsylvania Loans at December 31, 2013 is as follows:

 

Item   Term   Interest Rate  

Funded to

borrower

       Estimated collateral values  
                       
BMH Loan   Demand(1)   COF +2%
(7% Floor)		              
Land for phases 3, 4, and 5           $ –       $ 1,042 (4)
Lot 5 Hamlets             142         180  
Interest Escrow             450         255  
Loan Fee             750         –  
Excess Paydown             (394 ) (5)        
Construction loan lot 118 Whispering Pines             138         120  
Construction loan lot 5 Tuscany             37         –  
                           
Total BMH Loan             1,123         1,597  
IMA Loans                          
New IMA Loan (loan fee)   Demand(1)   COF +2%
(7% Floor)		     250         –  
New IMA Loan (advances)   Demand(1)   COF +2%
(7% Floor)		     1,479         –  
Existing IMA Loan   Demand(2)   7%     1,687         2,299 (6)
                           
Total IMA Loans             3,416         2,299  
                           
Unearned Loan Fee             (567 )       –  
SF Loan Payable             –         1,500  
                           
Total           $ 3,972       $ 5,396  

_______________

(1) These are the stated terms; however, in practice, principal will be repaid upon the sale of each developed lot.

 

(2) These are the stated terms; however, in practice, principal will be repaid upon the sale of each developed lot after the BMH loan and the New IMA loan are satisfied.

 

(3) Estimated collateral value is equal to the appraised value of $4,140, net of estimated costs to finish the development of $342, the appraised value of sold lots of $386, and the second mortgage amount of $1,065.

 

(4) Estimated collateral value is equal to the raw ground appraised value of $1,910 plus improvements of $278, net of the outstanding first mortgage of $1,146.

 

(5) Excess Paydown is the amount of initial funding of the Interest Escrow and/or Loan Fee that has/have been repaid to date. These amounts are available to be reborrowed in the future.

 

(6) Estimated collateral value is equal to the appraised value of $4,140, net of estimated costs to finish the development of $561, the appraised value of sold lots of $0, and the second mortgage amount of $1,280.

 

Except for the Whispering Pines loan, the loans are collectively cross-collateralized and, therefore, treated as one loan for the purpose of calculating the effective interest rate and for available remedies upon an instance of default. As lots are released, a specific release price is repaid by the borrower, with 10% of that amount being used to fund the Interest Escrow (except for the construction funding for homes). The customer will make cash interest payments only when the Interest Escrow is fully depleted, except for construction funding for homes, where the customer makes interest payments monthly.

 

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The loans created in 2011 had a $1,000 loan fee. The expenses incurred related to issuing the loan were approximately $76, which were netted against the loan amount. The remaining $924, which is netted against the gross loan amount, is being recognized over the expected life of the loans using the straight-line method in accordance with ASC 310-20, Nonrefundable Fees and Other Costs. During 2013 and 2014, five construction loans to the same customer were executed with $156 in loan fees, which fees are being recognized over the expected life of each advance. Income of $78 and $49 was recoginized during the three month periods ended March 31, 2014 and 2013, respectively. The effective annual rate on the loans for the three month periods ended March 31, 2014 and 2013 was 14.95% and 11.96%, respectively The aggregate unearned loan fee was $583 and $567 as of March 31, 2014 and December 31, 2013, respectively.

 

The Company has a credit agreement with its largest borrower which includes a maximum exposure on all three loans, which was $4,750 at both March 31, 2014 and December 31, 2013. This limit does not include construction loans.

 

Commercial Development Loan Portfolio Summary

 

The following is a summary of our loan portfolio to builders for land development as of March 31, 2014. The Pennsylvania loans are included in the Pennsylvania Loans discussed above.

 

State Number of Borrowers Number of Loans Value of Collateral(1) Commitment Amount

Amount

Outstanding

 Loan to Value Ratio(2) Loan Fee
Pennsylvania 1 3 $5,323 $4,750(3) $4,651 87% $1,000
Total 1 3 $5,323 $4,750    $4,651 87% $1,000

_______________

(1)The value is determined by the appraised value.
(2)The loan to value ratio is calculated by taking the commitment amount and dividing by the appraised value.

 

Commercial Construction Loan Portfolio Summary

 

The following is a summary of our loan portfolio to builders for home construction loans as of March 31, 2014. The Pennsylvania loans are included in the Pennsylvania Loans discussed above.

 

State Number of Borrowers Number of Loans Value of Collateral(1) Commitment Amount

Amount

Outstanding

 Loan to Value Ratio(2) Loan Fee
Pennsylvania 1 3 $2,992(3) $      1,919(3) $725 64% 5%
New Jersey 1 2 531   372   178 70% 5%
Colorado 1 2 985   672   137 68% 5%
South Carolina 1 1 660   350   167 53% 5%
Total 4 8 $5,168   $3,313   $1,207  64%(4) 5%

_______________

(1)The value is determined by the appraised value.
(2)The loan to value ratio is calculated by taking the commitment amount and dividing by the appraised value.
(3)The appraisal on one property has not been received as of March 31, 2014. Amounts shown are estimates based on the anticipated results of the appraisal. Construction draws are contingent on results of the appraisal.
(4)Represents the weighted average loan to value ratio of the loans.

 

18
 

 

Credit Quality Information

 

The following table presents credit-related information at the “class” level in accordance with ASC 310-10-50, Disclosures about the Credit Quality of Finance Receivables and the Allowance for Credit Losses. A class is generally a disaggregation of a portfolio segment. In determining the classes, the Company considered the finance receivable characteristics and methods it applies in monitoring and assessing credit risk and performance.

 

The following table summarizes finance receivables by the risk ratings that regulatory agencies utilize to classify credit exposure and which are consistent with indicators the Company monitors. Risk ratings are reviewed on a regular basis and are adjusted as necessary for updated information affecting the borrowers’ ability to fulfill their obligations.

 

The definitions of these ratings are as follows:

 

  · Pass – finance receivables in this category do not meet the criteria for classification in one of the categories below.

 

  · Special mention – a special mention asset exhibits potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may, at some future date, result in the deterioration of the repayment prospects.

 

  · Classified – a classified asset ranges from: 1) assets that are inadequately protected by the current sound worth and paying capacity of the borrower, and are characterized by the distinct possibility that some loss will be sustained if the deficiencies are not corrected to 2) assets with weaknesses that make collection or liquidation in full unlikely on the basis of current facts, conditions, and values. Assets in this classification can be accruing or on non-accrual depending on the evaluation of these factors.

 

Finance Receivables – By Classification:

 

   March 31,
2014		   December 31,
2013		 
           
Pass  $5,169   $4,045 
Special mention   –    – 
Classified – accruing   –    – 
Classified – nonaccrual   –    – 
           
Total  $5,169   $4,045 

 

At March 31, 2014 and December 31, 2013, there were no loans acquired with deteriorated credit quality, past due loans, impaired loans, or loans on nonaccrual status.

 

5. Borrowings

 

Affiliate Loans

 

In December 2011, the Company entered into two secured revolving lines of credit with affiliates, both of whom are members. These loans have an interest rate of the affiliates’ cost of funds, which was 3.80% and 3.71% as of March 31, 2014 and December 31, 2013, respectively. They are demand notes. The maximum that can be borrowed under these notes is $1,500, at the discretion of the lenders. The actual amount borrowed was $0 as of both March 31, 2014 and December 31, 2013, leaving $1,500 in available credit on those dates. There is no obligation of the affiliates to lend money up to the note amount. The security for the lines of credit includes all of the assets of the Company. The weighted average balance of affiliate borrowings outstanding was $0 and $464 for the three months ended March 31, 2014 and 2013, respectively, and the interest expense was $0 and $4 for the same periods, respectively.

 

SF Loan

 

The SF Loan, under which we are the borrower, is an unsecured loan in the original principal amount of $1,500, of which $1,500 was outstanding on both March 31, 2014 and December 31, 2013. Interest on the SF Loan accrues annually at a rate of 5.0%. Payments of interest only are due on a monthly basis, with the principal amount due on the date that the BMH Loan and the New IMA Loan are paid in full. We may prepay the SF Loan in part or in full at any time without penalty, subject to the terms and conditions set forth in the underlying promissory note. Pursuant to the Credit Agreement, payments on the SF Loan are used to fund the interest escrow. Further, pursuant to that certain Amended and Restated Commercial Pledge Agreement by and between us, IMA and BMH, IMA has pledged its interest in the SF Loan as collateral for IMA’s obligations under the New IMA Loan and the Existing IMA Loan. Management’s intentions related to offsetting our payments of principal or interest against amounts due to us from the lender are undetermined; therefore, this amount has been presented on a gross basis on the consolidated balance sheets at March 31, 2014 and December 31, 2013.

 

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Notes Program

 

Borrowings through our public offering were $2,660 and $1,739 at March 31, 2014 and December 31, 2013, respectively. The effective interest rate on the borrowings at March 31, 2014 and December 31, 2013 was 7.08% and 6.72%, respectively, not including the amortization of deferred financing costs. There are limited rights of early redemption. The following table shows the origination of our Notes program:

 

   Three Months Ended
March 31,
2014		   Year Ended
December 31,
2013		   Three Months Ended
March 31,
2013		 
                
Notes outstanding, beginning of period  $1,739   $2   $2 
Notes issued   923    1,737    50 
Note repayments / redemptions   (2)   –    – 
                
Notes outstanding, end of period  $2,660   $1,739   $52 

 

The following table shows the maturity of outstanding Notes as of March 31, 2014.

 

Year Maturing   Amount Maturing  
2014   $ 429  
2015     94  
2016     8  
2017     726  
2018     1,403  
         
Total   $ 2,660  

 

6. Members’ Capital

 

There is currently one class of units (class A common units) with two members, both of whom have no personal liability. All members have voting rights in proportion to their capital account. There were 2,629 class A common units outstanding at March 31, 2014. There are two additional authorized unit classes: class A preferred units and class B profit units. Once class B profit units are issued, the existing class A common units will become class A preferred units. Class A preferred units will receive preferred treatment in terms of distributions and liquidation proceeds.

 

The members’ capital balances by class are as follows:

 

Class  March 31,
2014		   December 31,
2013		 
A Common Units  $1,905   $1,904 
           
Members’ Capital  $1,905   $1,904 

 

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7. Related Party Transactions

 

The accompanying interim condensed consolidated financial statements have been prepared from the separate accounts maintained by the Company and may not be indicative of the conditions that would have existed or the results of operations that would have occurred had the Company not entered into certain related party transactions or not participated in certain transactions with its members.

 

Notes and Accounts Payable to Affiliates

 

The Company has a loan agreement with two of our affiliates, as more fully described in Note 5 – Affiliate Loans.

 

The Company has a loan agreement with the Hoskins Group, as more fully described in Note 5 – SF Loan.

 

The Company has accepted new investments under the Notes program from employees, managers, members and relatives of managers and members totaling $462, all of which is outstanding at March 31, 2014. This sum includes, but is not limited to, $120 invested by Bill Myrick, one of the Company’s independent managers, $100 invested by R. Scott Summers, a son of one of the Company’s independent managers, and a $100 investment by David and Carole Wallach, the parents of Daniel M. Wallach, the Company’s Chief Executive Officer and Chairman of the Board of Managers. Mr. Myrick is entitled to receive interest on his Notes at the weighted average rate of 7.47% per annum, R. Scott Summers is entitled to receive interest on his Notes at the weighted average rate of 7.56% per annum and Drs. Wallach are entitled to receive interest on their Note at a rate of 7.00% per annum.  For the three months ended March 31, 2014 and the year ended December 31, 2013, Mr. Myrick had earned $2 and $1 respectively, R. Scott Summers had earned $1 and $0 respectively, and Drs. Wallach had earned $2 and $4, respectively, in interest on their Notes.

 

8. Commitments and Contingencies

 

In the normal course of business there may be outstanding commitments to extend credit that are not included in the consolidated financial statements. Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being drawn upon and some of the funding may come from the earlier repayment of the same loan (in the case of revolving lines), the total commitment amounts do not necessarily represent future cash requirements. The financial instruments involve, to varying degrees, elements of credit and interest rate risk in excess of amounts recognized in the consolidated financial statements. The Company evaluates each customer’s creditworthiness on a case-by-case basis. Unfunded commitments to extend credit, which have similar collateral, credit risk and market risk to our outstanding loans, were $2,262 and $1,449 at March 31, 2014 and December 31, 2013, respectively.

 

In September 2013, the Company issued a Letter of Credit for $155 to a sewer authority relating to BMH Loan. A portion of the amount of the Letter of Credit is not included in our commitments to lend throughout the financial statements contained in this report, as any amount drawn would be included in the credit limit of BMH, and, as of March 31, 2014, BMH is under the credit limit.

 

The property securing the BMH Loan is subject to a mortgage in the amount of $1,146, which is held by United Bank and guaranteed by 84 FINANCIAL, L.P. The subordinated mortgage balance is subtracted from the appraised value of the land in the land valuation detail of the Pennsylvania financing receivables at March 31, 2014 and December 31, 2013 in Note 4.

 

The property securing the New IMA Loan and the Existing IMA Loan, as described in Note 4, is subject to a mortgage in the amount of $1,290, which is held by an unrelated third party. In connection with the closing of the New IMA Loan and the Existing IMA Loan, the holder of this mortgage entered into an agreement to amend, restate and further subordinate such mortgage. This subordination agreement also provides that, in the event of a foreclosure on and liquidation of the property securing the New IMA Loan and the Existing IMA Loan, we are entitled to receive liquidation proceeds up to $2,225, which excludes the collateral securing the BMH Loan, at which point the holder of this mortgage is entitled to receive liquidation proceeds up to the amount necessary to satisfy its outstanding mortgage, and we are then entitled to any remainder of the liquidation proceeds. The subordinated mortgage balance is subtracted from the appraised value of the finished lots in the lot valuation in Note 4.

 

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9. Subsequent Events

 

Management of the Company has evaluated subsequent events through May 1, 2014, the date these interim condensed consolidated financial statements were issued.

 

Under the Notes offering, the Company issued an additional $580 subsequent to March 31, 2014. The total debt issued and outstanding pursuant to the Notes offering as of May 1, 2014 is $3,196. Of the $3,196, $496 is from managers, members, and their respective affiliates.

 

On April 17, 2014, the Company closed on a loan with a customer in Louisiana for the construction of a home. The loan is a demand loan in the amount of $420 with $213 outstanding as of May 1, 2014, net of the builder deposit, interest escrow, and unearned loan fee. The loan has a builder deposit of 6% of the loan amount, a loan fee of 5%, and an interest rate of our cost of funds plus 2%.

 

On April 30, 2014, the Company closed on a loan with a customer in South Carolina for the construction of a home. The loan is a demand loan in the amount of $350 with $117 outstanding at May 1, 2014, net of the builder deposit and unearned loan fee. The loan has a loan fee of 5%, and an interest rate of our cost of funds plus 2%.

 

On May 1, 2014, the Board of Managers, upon recommendation by the Chief Executive Officer, authorized cash distributions to the Company’s members of 68% of net income for the first quarter of 2014 totaling $11, which will be distributable to the members ratably based on each member’s respective membership interest.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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ITEM 2. MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS

 

(All dollar [$] amounts shown in thousands.)

 

The following Management’s Discussion and Analysis of Financial Condition and Results of Operations should be read in conjunction with our interim condensed consolidated financial statements and the notes thereto contained elsewhere in this report. The following Management’s Discussion and Analysis of Financial Condition and Results of Operations should also be read in conjunction with our audited annual consolidated financial statements and related notes and other consolidated financial data included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2013. See also “Cautionary Note Regarding Forward-Looking Statements” preceding Part I.

 

Overview

 

Shepherd’s Finance, LLC and subsidiaries (the “Company”, “we” or “our”) is a finance company that engages in commercial lending to residential homebuilders, financing construction of single family homes (construction loans) and residential development (acquisition and development loans). The loans are extended to residential homebuilders and, as such, are commercial loans.

 

We primarily fund our lending and operations by continued extension of Notes to the general public, which Notes are unsecured subordinated debt. On October 4, 2012 our public Notes offering was declared effective by the SEC, and, as of both March 31, 2014 and December 31, 2013, our offering was effective in 38 states. We currently have four sources of capital available: a secured line of credit from affiliates with balances due of $0 as of both March 31, 2014 and December 31, 2013, unsecured Notes through our Notes offering with balances of $2,660 and $1,739 as of the same periods, other unsecured debt with balances of $1,500 at both March 31, 2014 and December 31, 2013, and equity, which was $1,905 and $1,904 for the same periods, respectively. Eventually, we intend to replace the lines of credit from affiliates with secured debt from a bank or through other liquidity. Currently the secured lines of credit from affiliates are demand loans collateralized by a lien against all of our assets and are senior in right of payment to our Fixed Rated Subordinated Notes.

 

 We had $5,169 and $4,045 in loan assets as of March 31, 2014 and December 31, 2013, respectively. Our loan to value (loan amount divided by collateral amount) for construction loans was 64% and 67%, and for development loans was 92% and 88% as of March 31, 2014 and December 31, 2013, respectively. We extended new funds of $1,669 and $278 during the three months ended March 31, 2014 and 2013, respectively, and received principal paybacks of $463 and $389 during those same periods.

 

Critical Accounting Estimates

 

To assist in evaluating our interim condensed consolidated financial statements, we describe below the critical accounting estimates that we use. We consider an accounting estimate to be critical if: (1) the accounting estimate requires us to make assumptions about matters that were highly uncertain at the time the accounting estimate was made, and (2) changes in the estimate that are reasonably likely to occur from period to period, or use of different estimates that we reasonably could have used, would have a material impact on our consolidated financial condition or results of operations.

 

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Loan Losses

 

Nature of estimates required

 

Loan losses, as applicable, are accounted for both on the interim condensed consolidated balance sheets and the interim condensed consolidated statements of operations. On the interim condensed consolidated statements of operations, management estimates the amount of losses to capture during the current year. This current period amount incurred is referred to as the loan loss provision. The calculation of our allowance for loan losses, which appears on our interim condensed consolidated balance sheets, requires us to compile relevant data for use in a systematic approach to assess and estimate the amount of probable losses inherent in our commercial lending operations and to reflect that estimated risk in our allowance calculations. The risk of losses occurs when customers cannot pay their principal and interest due. In the past, we have estimated that risk to be minimal, and therefore we have not proceeded to compare the value of the collateral versus the amount loaned. We use the policy summarized as follows:

 

For loans to one borrower with committed balances less than 10% of our total committed balances on all loans extended to all customers, we establish a collective reserve for all loans which are not more than 60 days past due at the end of a quarter. The collective reserve takes into account both historical information and a qualitative analysis of housing and other economic factors that may impact our future realized losses. For loans to one borrower with committed balances less than 10% of our total committed balances on all loans extended to all customers, we individually analyze for impairment all loans which are more than 60 days past due at the end of a quarter.  For loans to one borrower with committed balances equal to or greater than 10% of our total committed balances on all loans extended to all customers, we individually analyze all loans for impairment.  The analysis of loans, if required, develops a collateral value to be compared to the principal amount of the loan.  If the value determined is less than the principal amount due (less any builder deposit), then the difference is included in the loan loss.  As values change, estimated loan losses may be provided for more or less than the previous period, and some loans may not need a loss provision based on payment history.  For homes which are partially complete, we appraise on an as-is and completed basis, and use the one that more closely aligns with our planned method of disposal for the property.

 

For loans that are individually evaluated for impairment, appraisals have been prepared within the last 13 months.  There are also broker’s opinions of value (“BOV”) prepared, if the appraisal is more than six months old.  The lower of any BOV prepared in the last six months, or appraisal done in the last 13 months, is used, unless we determine a BOV to be invalid based on the comparable sales used.  If we determine a BOV to be invalid, we will use the appraised value.  Appraised values are adjusted down for estimated costs associated with asset disposal.

 

Appraisers are state certified, and are selected by first attempting to utilize the appraiser who completed the original appraisal report. If that appraiser is unavailable or not affordable, we use another appraiser who appraises routinely in that geographic area. BOVs are created by real estate agents. We try to first select an agent we have worked with, and then, if that fails, we select another agent who works in that geographic area.

 

Amortization of Deferred Financing Costs

 

We amortize our deferred financing costs based on the effective interest method. As such, we make estimates for the amount of proceeds we anticipate receiving from our Notes offering. We also estimate the average duration of these future investments. If either of these estimates is determined to be incorrect in the future, the rate at which we are amortizing the deferred financing costs as interest expense would be adjusted.

 

Amount of proceeds expected

 

Currently we anticipate a growing amount of proceeds from the Notes over the anticipated length of the offering. We anticipate that we will originate more proceeds in the later months of the offering than in the first months of the offering.

 

Sensitivity analysis for amount of proceeds expected

 

Change in Anticipated Proceeds 

1st quarter

2014 Interest Expense
Higher/(Lower)

 
Increasing the anticipated proceeds by 50%  $(4)
Decreasing the anticipated proceeds by 50%  $8 

  

24
 

 

Average duration expected

 

Currently we anticipate a consistent average duration of 38.5 months for the Notes. An increasing average duration over the remaining anticipated length of the Notes offering would decrease the amount of amortization reflected in interest expense for 2014, and a decreasing average duration of investments over the remaining anticipated length would increase the amount reflected in interest expense for 2014.

 

Sensitivity analysis for average duration

 

Change in Anticipated Average Duration 

1st quarter

2014 Interest Expense
Higher/(Lower)

 
Decreasing the average duration to 30 months for all remaining months of origination  $4 

 

Currently, the average duration is 38.5 months; the available range of investment durations is between 12 and 48 months. Extending the average duration to the maximum of 48 months does not have a meaningful impact on the calculation.

 

Accounting and Auditing Standards Applicable to “Emerging Growth Companies”

 

We are an “emerging growth company” under the recently enacted JOBS Act. For as long as we are an “emerging growth company,” we are not required to: (1) comply with any new or revised financial accounting standards that have different effective dates for public and private companies until those standards would otherwise apply to private companies, (2) provide an auditor’s attestation report on management’s assessment of the effectiveness of internal control over financial reporting pursuant to Section 404 of the Sarbanes-Oxley Act, (3) comply with any new requirements adopted by the Public Company Accounting Oversight Board, or the PCAOB, requiring mandatory audit firm rotation or a supplement to the auditor’s report in which the auditor would be required to provide additional information about the audit and the financial statements of the issuer or (4) comply with any new audit rules adopted by the PCAOB after April 5, 2012, unless the SEC determines otherwise. We intend to take advantage of such extended transition period. Since we will not be required to comply with new or revised accounting standards on the relevant dates on which adoption of such standards is required for other public companies, our consolidated financial statements may not be comparable to the financial statements of companies that comply with public company effective dates. If we were to subsequently elect to instead comply with these public company effective dates, such election would be irrevocable pursuant to Section 107 of the JOBS Act.

 

Consolidated Results of Operations

 

Key financial and operating data for the three months ended March 31, 2014 and 2013 are set forth below. For a more complete understanding of our industry, the drivers of our business, and our current period results, this discussion should be read in conjunction with our condensed consolidated financial statements, including the related notes and the other information contained in this document and the Company’s Annual Report on Form 10-K for the year ended December 31, 2013. Below is a summary of our income statement for the following periods:

 

   Three Months Ended
March 31,		 
(in thousands of dollars)  2014   2013 
Interest Income          
Interest and fee income on loans  $196   $126 
Interest expense   63    27 
           
Net interest income   133    99 
Less:  Loan loss provision   1    – 
           
Net interest income   132    99 
           
Non-Interest Expense          
Selling, general and administrative   115    140 
           
Total non-interest expense   115    140 
           
Net income (loss)  $17   $(41)

 

25
 

 

Interest Spread

 

The following table displays a comparison of our interest income, expense, fees and spread:

 

   For the Three Months Ended
March 31,		 
(in thousands of dollars)  2014   2013 
                 
Interest Income        *         * 
Interest income on loans  $105    9%  $77    7%
Fee income on loans   91    7%   49    5%
Interest and fee income on loans   196    16%   126    12%
Interest expense related parties   –    0%   4    1%
Interest expense unsecured   51    4%   19    2%
Amortization of offering costs   12    1%   4    0%
Interest expense   63    5%   27    3%
Net interest income (spread)   133    11%   99    9%
                     
Weighted average outstanding loan asset balance  $5,040        $4,240      

_______________

*annualized amount as percentage of weighted average outstanding gross loan balance

 

There are three main components that can impact our interest spread:

 

•  Difference between the interest rate received (on our loan assets) and the interest rate paid (on our borrowings). The loans we have originated have interest rates which are based on our cost of funds, with a minimum cost of funds of 5%. The margin is fixed at 2%. Future loans are anticipated to be originated at approximately the same 2% margin. This component is also impacted by the lending of money with no interest cost (our equity). Our interest income was 9% and 7% for the three months ended March 31, 2014 and 2013, respectively. Our interest cost (expressed as a percentage of our loan assets) was 5% and 3% for the three months ended March 31, 2014 and 2013 respectively. These amounts are less than our actual borrowing rate, as some of the funds we lend are funded by equity that has no borrowing cost. The difference was 4% for each of the three month periods ended March 31, 2014 and 2013. We expect the relationship between interest income and expense for the remainder of 2014 to be generally consistent with the three month period ended March 31, 2014.

 

26
 

 

•  Fee income. Fee income is displayed in the table above. Fee income as a percentage of loan assets increased from 5% in the three months ended March 31, 2013 to 7% for the three months ended March 31, 2014. The increase is due to a low percentage of outstanding vs. committed amounts on construction loans (36% as of March 31, 2014) and a higher mix of construction loans vs. development loans (construction loans were 41% and 0% of committed balances as of March 31, 2014 and 2013, respectively). Our construction loans yield a higher fee income percentage than our development loans because they tend to not be as fully funded, and the durations are shorter. In the future, we anticipate creating loans with fees ranging between 4 and 5% of the maximum loan amount.  

 

•  Amount of nonperforming assets. We had no nonperforming loan assets at March 31, 2014 and December 31, 2013. On March 31, 2014 and December 31, 2013, we carried cash balances of $511 and $722, respectively. These cash balances are mostly the result of us receiving a large amount of investment pursuant to our Notes offering late in the respective periods, and such amounts not yet having been used to fund loans to our customers. Low percentages of outstanding vs. committed construction loan balances also cause us to carry higher cash balances, approximately 36% and 21% as of March 31, 2014 and December 31, 2013, respectively. The cost of interest which was paid to our lenders for cash which was not invested was immaterial. To mitigate the negative spread on unused borrowed funds (idle cash), we use our line of credit when possible to handle daily liquidity. We would like to have a secured line of credit with a credit limit of 20% of our loan assets, and generally carry a balance of 10% of our loan assets on that line. This way, as money comes in from Notes or loan payoffs, it can be used to pay down the line, and as money goes out for Note redemptions and new loans created, money can be drawn on the line. This would help reduce any negative spread on idle cash. We have loan commitments outstanding as of March 31, 2014 and December 31, 2013 of $2,262 and $1,449 respectively, and expect to close more loans throughout the remainder of 2014 to reduce the nonperforming cash.

 

Loan Loss Provision

 

To date, we have not held any nonperforming loans and have incurred no loan loss charge offs; however, there is certain risk associated with lending activity and as such we can reasonably anticipate a loan loss provision in the future. We have recorded $1 in the first quarter of 2014 in loss reserve due to our historical reserve.

 

SG&A Expenses

 

The following table displays a comparison of our SG&A Expenses:

 

   For the
Three Months Ended
March 31,		 
   2014   2013 
Selling, general and administrative expenses          
Legal and accounting  $63   $77 
Salaries and related expenses   18    19 
Website / Management Information Systems (“MIS”)   1    7 
Board related expenses   19    19 
Advertising   –    8 
Rent and utilities   5    3 
Printing   3    4 
Other   6    3 
Total SG&A  $115   $140 

 

We had reductions in the first three months of 2014 compared to 2013 in legal and accounting costs and advertising. The reduction specifically in accounting is an efficiency savings. The decrease in advertising is a result of changing the methods we use to attract new investors. Website costs decreased due to the Company handling much of its website design itself, rather than hiring a third party.. Other costs increased primarily due to an increase in travel costs Printing costs are both for printing of investor related material and for the filing of documents electronically with the SEC. We anticipate SG&A costs for the second quarter of 2014 to be significantly lower than the second quarter of 2013, and lower than the first quarter of 2014 as well.

 

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Consolidated Financial Position

 

Cash and Cash Equivalents

 

We try to carry a small cash balance. At March 31, 2014 and December 31, 2013, we had $511 and $722, respectively in cash. We anticipate having cash balances for substantial periods of time during 2014, because when we create new loans, they typically do not have significant outstanding loan balances for several months.

 

Deferred Financing Costs, Net

 

Gross deferred financing costs were $686 and $669 as of March 31, 2014 and December 31, 2013, respectively. The accumulated amortization of those costs was $32 and $20 as of the same dates. For the year ended December 31, 2012, our deferred financing costs included private offering costs incurred of $11. These costs were being amortized over the life of that offering, but because no funds were received from the private offering, the private offering was terminated during the third quarter of 2013. Accordingly, the private offering costs were written-off in the third quarter of 2013. We expect that the gross deferred financing amount will continue to increase over time as more of the anticipated financing costs are deferred when paid, and expensed over the life of the debt associated with the financing using the effective interest method. We also expect that the amortization expense and the accumulated amortization will increase in 2014.

 

The following is a roll forward of deferred financing costs:

 

  

Three Months

Ended
March 31,
2014

   Year Ended
December 31,
2013		  

Three Months

Ended
March 31,
2013

 
                
Deferred financing costs, beginning balance  $669   $598   $598 
Additions   17    82    33 
Write-offs   –    (11)   – 
                
Deferred financing costs, ending balance  $686   $669   $631 
                
Less accumulated amortization   (32)   (20)   (6)
                
Deferred financing costs, net  $654   $649   $625 

 

The following is a roll forward of the accumulated amortization of deferred financing costs:

 

  

Three Months

Ended
March 31,
2014

   Year Ended
December 31,
2013		  

Three Months

Ended
March 31,
2013

 
                
Accumulated amortization, beginning balance  $20   $2   $2 
Additions   12    18    4 
                
Accumulated amortization, ending balance  $32   $20   $6 

 

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Loans Receivable

 

In December 2011, we originated two new loans and assumed a lender’s position on a third loan, which, net of unearned loan fees, had total balances of $4,191 and $3,853 as of March 31, 2014 and December 31, 2013, respectively. These loans were all to third party borrowers that are affiliated with each other, and are cross-collateralized. No allowance has been deemed necessary for these loans. In April, July, September, and December 2013, and in March 2014, we entered into amendments to the Pennsylvania Loans. As a result of these amendments, Benjamin Marcus Homes, LLC (“BMH”) was allowed to borrow for the construction of homes on lots 204, 205, and 206 of the Hamlets subdivision and lots 2 and 5 of the Tuscany subdivision, both located in a suburb of Pittsburgh, Pennsylvania, and to borrow for the purchase of lot 5 of the Hamlets subdivision. The construction loan for lot 5 of the Tuscany subdivision is for an amount up to $747.5, and the construction loan for lot 2 of the Tuscany subdivision is for an amount up to the lesser of 60% of the appraised value of the home to be built on such lot or $750. Each of the construction loans are evidenced by promissory notes and are secured by first mortgages on the homes financed under such loans. Each of the construction loans is subject to a loan fee of 5% of the full amount of the loan, and bears interest at a rate of our cost of funds plus 2%. Unlike the development loans extended pursuant to the Credit Agreement, the release prices paid for each of the lots securing the construction loans will not be applied to fund the balance of the Interest Escrow established pursuant to the Credit Agreement, and interest on the construction loans will not be paid from the Interest Escrow. The outstanding balance of the construction loans for lots 2 and 5 of the Tuscany subdivision will not be included when calculating the amount outstanding pursuant to Section 2.05(f) of the Credit Agreement. Except as described in the amendments to the Credit Agreement, all other material terms of the construction loans are governed by the terms of the Credit Agreement.

 

As a result of these amendments to the Credit Agreement, we also issued a letter of credit for $155 to a sewer authority relating to BMH Loan (the “Letter of Credit”), and we allowed a fully funded mortgage in the amount of $1,146 to be placed in superior position to our mortgage, with the $1,146 proceeds being used to reduce the balance of BMH’s outstanding loan with us. We chose to allow the $1,146 pay down of our loan with a superior mortgage because: (1) it should allow for the faster development of both the Hamlets and Tuscany subdivisions, decreasing the amount of risk time we will have; (2) it did not substantially alter the dollars we have at risk; and (3) it increased our return as a percentage of loan assets, as the Pennsylvania Loans should be paid down quicker. A portion of the amount of the Letter of Credit is not included in our commitments to lend throughout the financial statements contained in this report, as any amount drawn would be included in the credit limit of BMH, and, as of March 31, 2014, BMH is under the credit limit  Also in our loans receivable balance is another loan to the same customer in a different subdivision (Whispering Pines) with a balance net of loan fee and builder deposit of $116 as of both March 31, 2014 and December 31, 2013. This loan has a builder deposit of 6% of the loan amount, a loan fee of 5% of the loan amount, and an interest rate of our cost of funds plus 2%. The collateral for the Whispering Pines Loan is a lot with a home under construction.

 

We have other borrowers, all of whom borrow money for the purpose of building new homes.

 

Commercial Development Loan Portfolio Summary

 

The following is a summary of our loan portfolio to builders for land development as of March 31, 2014. The Pennsylvania loans are included in the Pennsylvania Loans discussed above.

 

State Number of Borrowers Number of Loans Value of Collateral(1) Commitment Amount

Amount

Outstanding

 Loan to Value Ratio(2) Loan Fee
Pennsylvania 1 3 $5,323 $4,750(3) $4,651 87% $1,000
Total 1 3 $5,323 $4,750    $4,651 87% $1,000

_______________

(1)The value is determined by the appraised value.
(2)The loan to value ratio is calculated by taking the commitment amount and dividing by the appraised value.

 

29
 

 

Commercial Construction Loan Portfolio Summary

 

The following is a summary of our loan portfolio to builders for home construction loans as of March 31, 2014. The Pennsylvania loans are included in the Pennsylvania Loans discussed above.

 

State Number of Borrowers Number of Loans Value of Collateral(1) Commitment Amount

Amount

Outstanding

 Loan to Value Ratio(2) Loan Fee
Pennsylvania 1 3 $2,992(3) $1,919(3) $725 64% 5%
New Jersey 1 2 531   372   178 70% 5%
Colorado 1 2 985   672   137 68% 5%
South Carolina 1 1 660   350   167 53% 5%
Total 4 8 $5,168   $3,313   $1,207  64%(4) 5%

_______________

(1)The value is determined by the appraised value.
(2)The loan to value ratio is calculated by taking the commitment amount and dividing by the appraised value.
(3)The appraisal on one property has not been received as of March 31, 2014. Amounts shown are estimates based on the anticipated results of the appraisal. Construction draws are contingent on results of the appraisal.
(4)Represents the weighted average loan to value ratio of the loans.

 

We expect that we will increase our loans receivable as we raise funds from the issuance of Notes. We anticipate creating new loans to new customers in the second quarter of 2014.

 

The following is a roll forward of commercial loans:

 

   Three Months Ended
March 31,
2014		   Year Ended
December 31,
2013		   Three Months Ended
March 31,
2013		 
                
Beginning balance  $4,045   $3,604   $3,604 
Additions   1,669    3,331    278 
Payoffs/Sales   (463)   (2,992)   (389)
Change in builder deposit   (68)   (36)   – 
Change in loan loss provision   (1)   –    – 
New loan fee   (104)   (121)   – 
Earned loan fee   91    259    49 
                
Ending balance  $5,169   $4,045   $3,542 

 

The loans created in 2011 had a $1,000 loan fee. The expenses incurred related to issuing the loan were approximately $76, which were netted against the loan amount. The remaining $924, which is netted against the gross loan amount, is being recognized over the expected life of the loans using the straight-line method in accordance with ASC 310-20, Nonrefundable Fees and Other Costs. During 2013 and 2014, five construction loans to the same customer were executed with $156 in loan fees, which fees are being recognized over the expected life of each advance. Income of $78 and $49 was recoginized during the three month periods ended March 31, 2014 and 2013, respectively. The effective annual rate on the loans for the three month periods ended March 31, 2014 and 2013 was 14.95% and 11.96%, respectively The aggregate unearned loan fee was $583 and $567 as of March 31, 2014 and December 31, 2013, respectively.

 

While the remaining balance of the unearned loan fee related to our existing loans will decline to $0 over the life of those loans, we expect total unearned loan fees to increase in the future along with our commercial lending program.

 

30
 

 

Below is an aging schedule of loans receivable as of March 31, 2014, on a recency basis:

 

   No.
Accts.		   Unpaid
Balances		   % 
                
Current loans (current accounts and accounts on which more than 50% of an original contract payment was made in the last 59 days)   11   $5,169    100%
60-89 days   –    –    0%
90-179 days   –    –    0%
180-269 days   –    –    0%
               
Subtotal   11   $5,169    100%
               
Interest only accounts (Accounts on which interest, deferment, extension and/or default charges were received in the last 60 days)   –   $–    0%
                
Partial Payment accounts (Accounts on which the total received in the last 60 days was less than 50% of the original contractual monthly payment. “Total received” to include interest on simple interest accounts, as well as late charges on deferment charges on precomputed accounts.)   –   $–    0%
                
Total   11   $5,169    100%

 

Below is an aging schedule of loans receivable as of March 31, 2014, on a contractual basis:

 

   No.
Accts.		   Unpaid
Balances		   % 
                
Contractual Terms - All current Direct Loans and Sales Finance Contracts with installments past due less than 60 days from due date.   11   $5,169    100%
60-89 days   –    –    0%
90-179 days   –    –    0%
180-269 days   –    –    0%
               
Subtotal   11   $5,169    100%
               
Interest only accounts (Accounts on which interest, deferment, extension and/or default charges were received in the last 60 days)   –   $–    0%
               
Partial Payment accounts (Accounts on which the total received in the last 60 days was less than 50% of the original contractual monthly payment. “Total received” to include interest on simple interest accounts, as well as late charges on deferment charges on precomputed accounts.)   –   $–    0%
               
Total   11   $5,169    100%

 

31
 

 

Below is an aging schedule of loans receivable as of December 31, 2013, on a recency basis:

 

   No.
Accts.		   Unpaid
Balances		   % 
                
Current loans (current accounts and accounts on which more than 50% of an original contract payment was made in the last 59 days)   6   $4,045    100%
60-89 days   –    –    0%
90-179 days   –    –    0%
180-269 days   –    –    0%
               
Subtotal   6   $4,045    100%
               
Interest only accounts (Accounts on which interest, deferment, extension and/or default charges were received in the last 60 days)   –   $–    0%
               
Partial Payment accounts (Accounts on which the total received in the last 60 days was less than 50% of the original contractual monthly payment. “Total received” to include interest on simple interest accounts, as well as late charges on deferment charges on precomputed accounts.)   –   $–    0%
               
Total   6   $4,045    100%

 

Below is an aging schedule of loans receivable as of December 31, 2013, on a contractual basis:

 

   No.
Accts.		   Unpaid
Balances		   % 
                
Contractual Terms - All current Direct Loans and Sales Finance Contracts with installments past due less than 60 days from due date.   6   $4,045    100%
60-89 days   –    –    0%
90-179 days   –    –    0%
180-269 days   –    –    0%
               
Subtotal   6   $4,045    100%
               
Interest only accounts (Accounts on which interest, deferment, extension and/or default charges were received in the last 60 days)   –   $–    0%
               
Partial Payment accounts (Accounts on which the total received in the last 60 days was less than 50% of the original contractual monthly payment. “Total received” to include interest on simple interest accounts, as well as late charges on deferment charges on precomputed accounts.)   –   $–    0%
                
Total   6   $4,045    100%

 

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Customer Interest Escrow

 

The Pennsylvania Loans called for a funded Interest Escrow account, which was funded with proceeds from the Pennsylvania Loans. The initial funding on that Interest Escrow was $450. The balance as of March 31, 2014 and December 31, 2013 was $215 and $255, respectively. To the extent the balance is available in the Interest Escrow, interest due on certain loans is deducted from the Interest Escrow on the date due. The Interest Escrow is increased by 10% of lot payoffs on the same loans, and by interest on the SF Loan. All of these transactions are noncash to the extent that the total escrow amount does not need additional funding. The Interest Escrow is also used to contribute to the reduction of the $400 subordinated mortgage upon certain lot sales of the collateral of that loan.

 

The two loans created in the first quarter of 2014 collateralized by property located in Colorado also have an interest escrow. The balance of that interest escrow was $32 and $0 as of March 31, 2014 and December 31, 2013, respectively.

 

Roll forward of interest escrow:

 

   Three Months Ended
March 31,
2014		   Year Ended
December 31,
2013		   Three Months Ended
March 31,
2013		 
                
Beginning balance  $255   $329   $329 
+ SF Loan interest   19    75    18 
+ Additions from lot payoffs   27    188    16 
+ Additions from Colorado Loan (funded by loan proceeds)   34    –    – 
- Interest and fees   (88)   (325)   (76)
- Amount used to reduce $400 loan balance   –    (12)   (3)
                
Ending balance  $247   $255   $284 

 

Notes Payable Unsecured

 

At the same time that we extended the Pennsylvania Loans in December 2011, we assumed a note payable to our borrowing customer for $1,500, which was the balance at both March 31, 2014 and December 31, 2013. This loan is unsecured and has the same priority as the Notes. It is also collateral for the loans we extended to this customer. In addition, we owed $2,660 and $1,739 in Notes payable under our Notes offering as of March 31, 2014 and December 31, 2013, respectively. We expect our Notes payable unsecured balance to increase as we raise funds in our Notes offering.

 

Notes Payable Related Party

 

In order to minimize the amount of idle cash on our balance sheet and maximize the loans receivable which create interest spread, we have two lines of credit from affiliates, which had a combined outstanding balance of $0 as of both March 31, 2014 and December 31, 2013. We had $1,500 available to us on the affiliate lines as of both March 31, 2014 and December 31, 2013. We intend to have a line of credit or multiple lines of credit in the future, and intend to eventually replace these lines from affiliates with lines from unrelated financial institutions. However, we can make no assurance that we will obtain a line of credit with an unrelated financial institution on favorable terms or at all.

 

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Contractual Obligations

 

We currently have three notes outstanding outside of the public offering. The two notes to affiliates are demand notes established on December 30, 2011, with balances of $0 as of both March 31, 2014 and December 31, 2013, respectively. The third note is an unsecured note for $1,500, which is due at the time one of our customers repays its debt. The balance of this note has not changed since we became the borrower on December 30, 2011. As of March 31, 2014, Notes issued pursuant to the public offering have contractual due dates of:

 

Year Maturing   Amount Maturing  
2014   $ 429  
2015     94  
2016     8  
2017     726  
2018     1,403  
         
Total   $ 2,660  

 

We are obligated to lend money to customers based on agreements we have with them. We do not always have the maximum amount obligated outstanding at any given time. The amount we have not loaned, but are obligated to lend, under certain conditions is a potential liquidity use. This amount was $2,262 as of March 31, 2014 and $1,449 as of December 31, 2013. See Note 8 of our interim condensed consolidated March 31, 2014 financial statements for more information on contractual obligations.

 

Liquidity and Capital Resources

 

Our operations are subject to certain risks and uncertainties, particularly related to the concentration of our current operations, most of which are to a single customer and geographic region, as well as the evolution of the current economic environment and its impact on the United States real estate and housing markets. Both the concentration of risk and the economic environment could directly or indirectly impact losses related to certain transactions and access to and cost of adequate financing.

 

The Company’s anticipated primary source of liquidity going forward is the continued extension of Notes to the general public, interest income and/or principal repayments related to the loans, as well as funds borrowed from affiliated creditors.  Our public Notes offering, which allows us to borrow money, was declared effective by the SEC on October 4, 2012 and has been registered and declared effective in 38 states. We began to advertise in March of 2013 and received an aggregate of approximately $2,660 and $1,739 in Notes proceeds as of March 31, 2014 and December 31, 2013, respectively. We anticipate continuing our sales efforts during the remainder of 2014, focusing on the efforts that have proven fruitful. The Company’s ability to fund its operations remains dependent upon the ability of our largest borrower, whose loan commitments represent 83% and 98% of our total outstanding loan commitments as of March 31, 2014 and December 31, 2013, respectively, to continue paying interest and/or principal and our ability to obtain additional financing, as needed, from the members, general public and other entities. The risk of our largest customer not paying interest is mitigated in the short term by having an interest escrow, which had a balance of $215 and $255 as of March 31, 2014 and December 31, 2013, respectively. While a default by this large customer could impact our cash flow and/or profitability in the long term, we believe that in the short term, a default might impact profitability, but not liquidity, as we are not receiving interest payments from the customer while he is performing (interest is being credited from his interest escrow).

 

We generated net income (loss) of $17 and ($41) for the three months ended March 31, 2014 and 2013 respectively. At March 31, 2014 and December 31, 2013, we had cash on hand of $511 and $722, respectively, and our outstanding debt totaled $4,160 and $3,239, respectively, which was unsecured or payable to related parties. As of March 31, 2014 and December 31, 2013, the amount that we have not loaned, but are obligated to potentially lend to our customers based on our agreements with them, was $2,262 and $1,449, respectively. Our availability on our line of credit from our members was $1,500 as of both March 31, 2014 and December 31, 2013.

 

34
 

 

Our current plan is to expand the commercial lending program by using current liquidity and available funding (including funding from our Notes program). We have anticipated the costs of this expansion and the continuing costs of maintaining our public company status, and we anticipate generating, through normal operations, the cash flows and liquidity necessary to meet our operating, investing and financing requirements. As noted above, the two most significant factors driving our current plans are the continued payments of principal and/or interest by our largest borrower and the public offering of Notes. If actual results differ materially from our current plan or if expected financing is not available, we believe we have the ability and intent to obtain funding and generate net worth through additional debt or equity infusions of cash, if needed. There can be no assurance, however, that we will be able to implement our strategies or obtain additional financing under favorable terms, if at all.

 

Our business of borrowing money and re-lending it to generate interest spread is our primary use of capital resources. There are several risks in any financing company of this nature, and we will discuss significant risks here and how they relate to our Company and what, if any, mitigation techniques we have or may employ.

 

First, any financial institution needs to match the maturities of its borrowings with the maturities of its assets. The bulk of most financial institutions’ borrowings are in the form of public investments or deposits. These generally have maturities that are either set periods of time, or upon the demand of the investor/depositor. The risk is that either obligations come due before funds are available to be paid out (a shortage of liquidity) or that funds are repaid before the obligation comes due (idle cash, as described herein). To mitigate these risks, we are not offering demand deposits (for instance, a checking account). Instead, we are offering Notes with varying maturities between one and four years, which we believe will be longer than the average life of the loans we will extend. However, we have the option to repay the Notes early if we wish without penalty. These items protect us against this risk of matching of debt and asset maturity.

 

Second, financial institutions must have daily liquidity on their debt side, to offset variations in loan balances on a daily basis. Borrowers can repay their Notes at any time, and they will request draws as they are ready for them. Further, construction loans are not funded 100% initially, so there are contractual obligations on the lender’s part to fund loans in the future. Most financial institutions mitigate this risk by having a secured line of credit from the Federal Reserve Bank. We have the same risk from customer repayments and draws as banks, and we intend to mitigate this risk by obtaining a secured line of credit with a bank. Our current debt financing consists of the two demand loans from our members, the SF Loan, and our unsecured Notes from the public offering. The loan balance from our members on both March 31, 2014 and December 31, 2013 was $0. The loan balance from our public offering on March 31, 2014 and December 31, 2013 was $2,660 and $1,739, respectively. The loan balance on the SF Loan was $1,500 on both March 31, 2014 and December 31, 2013. If we are able to refinance the demand loans with a bank line of credit, we intend to maintain the outstanding balance on the line at approximately 10% of our committed loan amount. Failure to refinance the demand loans in the future with a larger bank line of credit may result in a lack of liquidity, or low loan production. Future lines of credit from banks will have expiration dates or be demand loans, which will have risks associated with those maturities.

 

Third, financial institutions have the risk of swings in market rates on borrowing and lending, which can make borrowing money to fund loans to their customers or fund their operations costly. The rates at which institutions can borrow are not necessarily tied to the rates at which they can lend. In our case, we are lending to customers using a rate which varies monthly with our cost of funds. So while we somewhat mitigate this risk, we are still open to the problem of, at the time of originating loans, wanting to originate new loans at a rate that would make us money, but that rate not being competitive in the market. Lack of lending may cause us to repay Notes early and lose interest spread dollars, hurting our profitability and ability to repay.

 

We currently generate liquidity from (or may in the future):

 

  · borrowings in the form of the demand loans from our members;

 

  · proceeds from the Notes;

 

  · repayments of loan receivables;

 

  · interest and fee income;

 

  · borrowings from lines of credit with banks (not in place yet);

 

  · sale of property obtained through foreclosure (none to date); and

 

  · other sources as we determine in the future.

 

35
 

 

We currently (or may in the future) use liquidity to:

 

  · make payments on other borrowings, including loans from affiliates;

 

  · pay Notes on their scheduled due date and Notes that we are required to redeem early;

 

  · make interest payments on the Notes; and

 

  · to the extent we have remaining net proceeds and adequate cash on hand, fund any one or more of the following activities:

 

  · to extend commercial construction loans to homebuilders to build single or multi-family homes or develop lots;

 

  · to make distributions to equity owners;

 

  · for working capital and other corporate purposes;

 

  · to purchase defaulted secured debt from financial institutions at a discount;

 

  · to purchase defaulted unsecured debt from suppliers to homebuilders at a discount and then secure it with real estate or other collateral;

 

  · to purchase real estate, in which we will operate our business; and

 

  · to redeem Notes which we have decided to redeem prior to maturity.

 

The Company’s anticipated primary sources of liquidity going forward is the continued extension of Notes to the general public, interest income and principal repayments related to loans it extends, as well as funds borrowed from affiliated creditors. Therefore, the Company’s ability to fund its operations is dependent upon these sources of liquidity.

 

Inflation, Interest Rates, and Housing Starts

 

Since we are in the housing industry, we are affected by factors that impact that industry. Housing starts impact our customers’ ability to sell their homes. Faster sales mean higher effective interest rates for us, as the recognition of fees we charge is spread over a shorter period. Slower sales mean lower effective interest rates for us. Slower sales are likely to increase the default rate we experience.

 

Housing inflation has a positive impact on our operations. When we lend initially, we are lending a percentage of a home’s expected value, based on historical sales. If those estimates prove to be low (in an inflationary market), the percentage we loaned of the value actually decreases, reducing potential losses on defaulted loans. The opposite is true in a deflationary housing price market. It is our opinion that values are low in many of the housing markets in the U.S. today, and our lending against these values is much safer than loans made by financial institutions in 2006 to 2008.

 

36
 

 

Interest rates have several impacts on our business. First, rates affect housing (starts, home size, etc.). High long term interest rates may decrease housing starts, having the effects listed above. Higher interest rates will also affect our investors. We believe that there will be a spread between the rate our Notes yield to our investors and the rates the same investors could get on deposits at FDIC insured institutions. We also believe that the spread may need to widen if these rates rise. For instance, if we pay 5% above average CD rates when CDs are paying 0.5%, when CDs are paying 3%, we may have to have a larger than 5% difference. This may cause our lending rates, which are based on our cost of funds, to be uncompetitive. High interest rates may also increase builder defaults, as interest payments may become a higher portion of operating costs the builder. Below is a chart showing average CD rates.

 

 

Month   2002     2003     2004     2005     2006     2007     2008     2009     2010     2011     2012     2013
Jan   3.363%     1.688%     1.132%     1.693%     3.674%     5.217%     5.145%     2.730%     0.488%     0.319%     0.313%     0.268%
Feb   3.077%     1.643%     1.113%     1.836%     3.837%     5.266%     4.958%     2.572%     0.407%     0.327%     0.315%     0.262%
Mar   2.828%     1.586%     1.098%     1.996%     3.996%     5.301%     4.748%     2.428%     0.337%     0.331%     0.316%     0.255%
Apr   2.607%     1.533%     1.085%     2.163%     4.158%     5.324%     4.543%     2.265%     0.288%     0.325%     0.321%     0.248%
May   2.423%     1.483%     1.083%     2.332%     4.318%     5.338%     4.323%     2.091%     0.278%     0.305%     0.328%     0.240%
Jun   2.263%     1.419%     1.118%     2.492%     4.483%     5.336%     4.108%     1.893%     0.288%     0.280%     0.336%     0.229%
Jul   2.107%     1.358%     1.162%     2.658%     4.640%     5.324%     3.898%     1.690%     0.293%     0.266%     0.341%     0.220%
Aug   1.961%     1.303%     1.212%     2.833%     4.774%     5.333%     3.673%     1.483%     0.295%     0.263%     0.338%     0.216%
Sep   1.868%     1.247%     1.277%     3.000%     4.897%     5.343%     3.517%     1.204%     0.298%     0.268%     0.331%     0.214%
Oct   1.820%     1.194%     1.355%     3.174%     4.997%     5.323%     3.453%     0.864%     0.300%     0.276%     0.319%     0.212%
Nov   1.767%     1.171%     1.451%     3.345%     5.081%     5.293%     3.236%     0.685%     0.305%     0.288%     0.304%     0.210%
Dec   1.726%     1.151%     1.563%     3.512%     5.153%     5.268%     2.965%     0.556%     0.312%     0.304%     0.283%     0.206%

 

Source: Derivation of Rates Reported by Federal Reserve Board-Copyright 2014 MoneyCafe.com (01/2002-06/2013) and Mortgage-X (07/2013 ETD).

 

Housing prices are also generally correlated with housing starts, so that increases in housing starts usually coincide with increases in housing values, and the reverse is generally true. Below is a graph showing single family housing starts from 2000 through today.

 

 

Source: U.S. Census Bureau

 

To date, changes in housing starts, CD rates, and inflation have not had a material impact on our business.

 

37
 

 

ITEM 3. QUANTITATIVE AND QUALITATIVE DISCLOSURE ABOUT MARKET RISK

 

We are a smaller reporting company as defined by Rule 12b-2 of the Securities Exchange Act of 1934 and are not required to provide the information under this item.

 

ITEM 4. CONTROLS AND PROCEDURES

 

Disclosure Controls and Procedures

 

As of the end of the period covered by this report our chief executive officer (our principal executive officer and principal financial officer) evaluated the effectiveness of the design and operation of our disclosure controls and procedures. Based upon, and as of the date of, the evaluation, our chief executive officer (our principal executive officer and principal financial officer) concluded that the disclosure controls and procedures were effective as of the end of the period covered by this report to ensure that information required to be disclosed in the reports we file and submit under the Securities Exchange Act of 1934, as amended (the “Exchange Act”), is recorded, processed, summarized and reported as and when required. Disclosure controls and procedures include, without limitation, controls and procedures designed to ensure that information required to be disclosed by us in the reports we file and submit under the Exchange Act is accumulated and communicated to our management, including our chief executive officer (our principal executive officer and principal financial officer), as appropriate to allow timely decisions regarding required disclosure.

 

Internal Control over Financial Reporting

 

There have been no changes in our internal control over financial reporting that occurred during the quarter ended March 31, 2014 that have materially affected, or are reasonably likely to materially affect, our internal control over financial reporting.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

38
 

 

PART II – OTHER INFORMATION

 

ITEM 1. LEGAL PROCEEDINGS

 

None.

 

ITEM 1A. RISK FACTORS

 

Not applicable.

 

ITEM 2. UNREGISTERED SALES OF EQUITY SECURITIES AND USE OF PROCEEDS

 

  (a) None.
     
  (b) We registered up to $700,000,000 in Fixed Rate Subordinated Notes in our public offering (SEC File No. 333-181360, effective October 4, 2012). As of March 31, 2014, we had issued $2,660,000 in Notes pursuant to our public offering. From October 4, 2012 through March 31, 2014, we incurred expenses of $250,000 in connection with the issuance and distribution of the Notes, which were paid to third parties. These expenses were not for underwriters or discounts, but were for advertising, printing, and professional services. Net offering proceeds as of March 31, 2014 were $2,410,000, 97% of which was used to increase loan balances, 2% of which reduced the secured debt from affiliates, and 1% went to increase cash available for loans.
     
  (c) None.

 

ITEM 3. DEFAULTS UPON SENIOR SECURITIES

 

None.

 

ITEM 4. MINE SAFETY DISCLOSURES

 

Not applicable.

 

ITEM 5. OTHER INFORMATION

 

  (a) During the quarter ended March 31, 2014, there was no information required to be disclosed in a report on Form 8-K which was not disclosed in a report on Form 8-K.

 

  (b) During the quarter ended March 31, 2014, there were no material changes to the procedures by which members may recommend nominees to our board of managers.

 

ITEM 6. EXHIBITS

 

The exhibits required to be filed with this report are set forth on the Exhibit Index hereto and incorporated by reference herein.

 

39
 

 

EXHIBIT INDEX

 

The following exhibits are included in this report on Form 10-Q for the period ended March 31, 2014 (and are numbered in accordance with Item 601 of Regulation S-K).

 

Exhibit No. Name of Exhibit
   
3.1 Certificate of Conversion, incorporated by reference to Exhibit 3.1 to the Company’s Registration Statement on Form S-1, filed on May 11, 2012, Commission File No. 333-181360
   
3.2 Certificate of Formation, incorporated by reference to Exhibit 3.2 to the Company’s Registration Statement on Form S-1, filed on May 11, 2012, Commission File No. 333-181360
   
3.3 Amended and Restated Operating Agreement, incorporated by reference to Exhibit 3.3 to the Company’s Registration Statement on Form S-1, filed on May 11, 2012, Commission File No. 333-181360
   
4.1 Indenture Agreement (including Form of Note) dated October 4, 2012, incorporated by reference to Exhibit 4.1 to the Company’s Annual Report on Form 10-K, filed on March 8, 2013, Commission File No. 333-181360
   
10.1 Sixth Amendment to Credit Agreement, incorporated by reference to Exhibit 10.1 to the Company’s Current Report on Form 8-K, filed on April 2, 2014, Commission File No. 333-181360
   
31.1* Certification of Principal Executive Officer and Principal Financial Officer, pursuant to Section 302 of the Sarbanes-Oxley Act of 2002
   
32.1* Certification of Principal Executive Officer and Principal Financial Officer, pursuant to 18 U.S.C. Section 1350, as created by Section 906 of the Sarbanes-Oxley Act of 2002
   
101.INS** XBRL Instance Document
   
101.SCH** XBRL Schema Document
   
101.CAL** XBRL Calculation Linkbase Document
   
101.DEF** XBRL Definition Linkbase Document
   
101.LAB** XBRL Labels Linkbase Document
   
101.PRE** XBRL Presentation Linkbase Document

_________________

* Filed herewith.

 

**Pursuant to Regulation 406T of Regulation S-T, these Interactive Data Files are deemed not filed or part of a registration statement or prospectus for purpose of Section 11 or 12 of the Securities Act of 1933, as amended, or Section 18 of the Securities Exchange Act of 1934, as amended, and are otherwise not subject to liability.

 

40
 

 

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.

 

     
 

SHEPHERD’S FINANCE, LLC

(Registrant)

     
Dated: May 1, 2014 By:

/s/ Daniel M. Wallach

    Daniel M. Wallach
    Chief Executive Officer and Manager

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

41

 

 EX-31.1 2 shepherds_10q-ex3101.htm CERTIFICATION

EXHIBIT 31.1

 

CERTIFICATION OF PRINCIPAL EXECUTIVE OFFICER AND PRINCIPAL FINANCIAL OFFICER

 

Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

 

I, Daniel M. Wallach, certify that:

 

1.I have reviewed this Quarterly Report on Form 10-Q of Shepherd’s Finance, LLC;

 

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 period 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.I am responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) 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 period in which this report is being prepared;

 

b.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 period covered by this report based on such evaluation; and

 

c.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.I have disclosed, based on my most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of 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.

 

     
Dated: May 1, 2014 By:  

/s/ Daniel M. Wallach     

 

   

Daniel M. Wallach

Chief Executive Officer and Manager

(Principal Executive Officer and Principal Financial Officer)

 EX-32.1 3 shepherds_10q-ex3201.htm CERTIFICATION

EXHIBIT 32.1

 

CERTIFICATION OF PRINCIPAL EXECUTIVE OFFICER AND PRINCIPAL FINANCIAL OFFICER

 

Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002

 

Pursuant to 18 U.S.C. § 1350, as created by Section 906 of the Sarbanes-Oxley Act of 2002, the undersigned officer of Shepherd’s Finance, LLC, (the “Company”), in connection with the Company’s Quarterly Report on Form 10-Q for the period ended March 31, 2014 (the “Report”) hereby certifies, to his knowledge, that:

 

(i)the Report fully complies with the requirements of Section 13(a) or Section 15(d) of the Securities Exchange Act of 1934, as amended; and

 

(ii)the information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.

 

     
Dated: May 1, 2014 By:  

/s/ Daniel M. Wallach     

 

   

Daniel M. Wallach

Chief Executive Officer and Manager

(Principal Executive Officer and Principal Financial Officer)

 

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The loans are extended to residential homebuilders and, as such, are commercial loans.</font></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><font style="font-size: 8pt">&#160;</font></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><font style="font-size: 8pt">We anticipate expanding our lending capacity and funding our business operations by continued extension of unsecured subordinated notes (&#147;Notes&#148;) to the general public, which Notes are unsecured subordinated debt. We have a revolving secured line of credit from affiliates with no balance outstanding as of both March 31, 2014 and December 31, 2013. Eventually, the Company intends to permanently replace the debt to affiliates with secured debt from a bank or through other liquidity.</font></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><font style="font-size: 8pt">&#160;</font></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><font style="font-size: 8pt"><i><u>Basis of Presentation</u></i></font></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><font style="font-size: 8pt">The accompanying (a) condensed consolidated balance sheet as of December 31, 2013, which has been derived from audited consolidated financial statements, and (b) unaudited interim condensed consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America (&#147;U.S. GAAP&#148;) for interim financial information and the instructions to Form 10-Q and Article 10 of Regulation S-X. 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Summary of Significant Accounting Policies Fair Value Disclosures [Abstract] 3. Fair Value Receivables [Abstract] 4. Financing Receivables Debt Disclosure [Abstract] 5. Borrowings Members Capital 6. Members' Capital Related Party Transactions [Abstract] 7. Related Party Transactions Commitments and Contingencies Disclosure [Abstract] 8. Commitments and Contingencies Subsequent Events [Abstract] 9. Subsequent Events Segment Reporting Use of Estimates Revenue Recognition Advertising Cash and Cash Equivalents Fair Value Measurements Loans Receivable Allowance for Loan Losses Deferred Financing Costs, Net Income Taxes Risks and Uncertainties Conentrations Recent Accounting Pronouncements Roll forward of deferred financing cost Accumulated amortization of deferred financing costs Fair value measurements Financing Receivables Roll forward of commercial loans Detail of financing receivables Commercial Development Loan Portfolio Summary Commercial Construction Loan Portfolio Summary Finance receivables by classification Origination of notes Maturity of outstanding notes Members Capital Tables Members' Capital Proceeds from notes payable Total debt outstanding Obligations Line of credit available Deferred financing costs, beginning balance Additions Write-offs Deferred financing costs, ending balance Less accumulated amortization Deferred financing costs, net Accumulated amortization, beginning balance Additions Accumulated amortization, ending balance Statement [Table] Statement [Line Items] Advertising expenses Risk concentration of loans to one borrower Financial Assets Loans receivable, net Financial Liabilities Customer interest escrow Notes payable unsecured Notes payable related party Commitments to extend credit Commercial loans, gross Less: Deferred loan fees Less: Deposits Less: Allowance for loan losses Beginning balance Additions Payoffs/Sales Change in builder deposit Change in loan loss provision New loan fees Earned loan fees Ending balance Term Interest rate Funded to borrower Estimated collateral values Interest escrow Unearned loan fee SF Loan Effective Annual Rates on commercial loans-receivables Aggregate unearned loan fee Notes outstanding, beginning of period Notes issued Note repayments / redemptions Notes outstanding, end of period 2014 2015 2016 2017 2018 Total Interest rate Maximum availability Amount borrowed Interest expense Weighted average balance of affiliate borrowings Members' Capital Commitments And Contingencies Detail Narratives Unfunded Commitments Common units member A units Accumulated amortization of deferred financing costs Additions to commercial loans Affiliate loans member BMH 10 lots member BMH interest escrow member BMH land member BMH loan fee member BMH Loan member B Units Carrying amount Classified accruing member Classified - nonaccrual member Deferred financing costs - additions Effective annual rate on commercial loans receivable Estimated collateral values Finance receivables classification text block Financial assets abstract IMA Advances member IMA existing loan member IMA loan fee member IMA loan member Description of interest rate on financing receivables Members' Capital disclosure text block Notes program member Shepherd's Finance repayments (from payoffs/sales) Roll forward of deferred financing costs SF loan member Schedule of Members' Equity capital balances table text block. Financing receivables - term Unearned loan fee member Voting member Net loan origination fees deferred (earned) Deferred financing costs write offs Commercial Development Loan Portfolio Summary Commercial Construction Loan Portfolio Summary Finance receivables by classification Change in builder deposit New loan fees Funded to borrower Aggregate unearned loan fee Weighted average balance of affiliate borrowings Unearned loan fee loans and leases receivables deposits TotalMALoansMember Assets [Default Label] Liabilities Liabilities and Equity Interest Revenue (Expense), Net Interest Income (Expense), Net Increase (Decrease) in Other Operating Assets Increase (Decrease) in Accrued Interest Receivable, Net Increase (Decrease) in Deposits Net Cash Provided by (Used in) Continuing Operations Net Cash Provided by (Used in) Investing Activities, Continuing Operations Payments of Debt Issuance Costs Net Cash Provided by (Used in) Financing Activities, Continuing Operations Cash and Cash Equivalents [Abstract] Deferred Finance Costs, Gross Accumulated Amortization, Deferred Finance Costs Loans Receivable, Fair Value Disclosure Deposits, Fair Value Disclosure Financial Liabilities Fair Value Disclosure AdditionsToCommercialLoans Securities Held as Collateral, at Fair Value Debt Instrument, Interest Rate, Stated Percentage Interest Expense, Related Party Members' Equity EX-101.PRE 10 none-20140331_pre.xml XBRL PRESENTATION FILE EXCEL 11 Financial_Report.xlsx IDEA: XBRL DOCUMENT begin 644 Financial_Report.xlsx M4$L#!!0`!@`(````(0`=?[]DX`$``+H6```3``@"6T-O;G1E;G1?5'EP97-= M+GAM;""B!`(HH``"```````````````````````````````````````````` M```````````````````````````````````````````````````````````` M```````````````````````````````````````````````````````````` M```````````````````````````````````````````````````````````` M```````````````````````````````````````````````````````````` M```````````````````````````````````````````````````````````` M```````````````````````````````````````````````````````````` M```````````````````````````````````````````````````````````` M```````````````````````````````````````````````````````````` M```````````````````````````````````````````````````````````` M```````````````````````````````````````````````````````````` M``````````````````````````````````````#,F-UNVC`8AL\G[1XBGT[$ MV-FZMB+T8#^'&]+8!;CQ!XE(;,MV.[C[.8&B"E$J5*2^)T00^WL?K.B1\D[N MUEV;/9(/C34E$_F8960JJQNS+-G?^<_1-VIC]6*>?MR2>VL"R;]N%?5;)E'-M4ZF82/FCT0:<:\\1](G]8'/AP$1<&Z?_?,/A,#@G"48!P M?`;A^`+"<07"\16$XQJ$XP:$0XQ10%",*E"4*E"<*E"D*E"L*E"T*E"\*E#$ M*E#,*E',*E',*E',*E',*E',*E',*E',*E',*E',*E',6J"8M4`Q:X%BU@+% MK`6*68OW,FM,S2#QX?/MC^DPYI5J*L1-2^'"KY/;H:\EU\J3_A-]ZE`O#O!\ M]BF.U##.O'4A=:V>SC^%IS*UWSUR:1#YV-"^3CU62^X34T][?N!!+TI]$ZQ) M'\GF0_,\_0\``/__`P!02P,$%``&``@````A`+55,"/U````3`(```L`"`)? 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5. Borrowings (Details Narrative) (USD $)
In Thousands, unless otherwise specified
 3 Months Ended
Mar. 31, 2014
Mar. 31, 2013
Dec. 31, 2013
Maximum availability $ 1,500   $ 1,500
Affiliate Loans
      
Interest rate 3.80% 3.80% 3.71%
Maximum availability 1,500    
Amount borrowed 0 479 0
Interest expense 0 4  
Weighted average balance of affiliate borrowings $ 0 $ 464  
Notes Program
      
Interest rate 4.91%    
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3. Fair Value (Details) (USD $)
In Thousands, unless otherwise specified
Mar. 31, 2014
Dec. 31, 2013
Mar. 31, 2013
Dec. 31, 2012
Financial Assets        
Cash and cash equivalents $ 511 $ 722 $ 8 $ 646
Carrying Amount
        
Financial Assets        
Cash and cash equivalents 511 722    
Loans receivable, net 5,169 4,045    
Financial Liabilities        
Customer interest escrow 247 255    
Notes payable unsecured 4,160 3,239    
Notes payable related party 0 0    
Commitments to extend credit 57 0    
Estimated Fair Value
        
Financial Assets        
Cash and cash equivalents 511 722    
Loans receivable, net 5,169 4,045    
Financial Liabilities        
Customer interest escrow 247 255    
Notes payable unsecured 4,060 3,239    
Notes payable related party 0 0    
Commitments to extend credit 57 0    
Quoted Prices in Active Markets for Identical Assets Level 1
        
Financial Assets        
Cash and cash equivalents 511 722    
Loans receivable, net 0 0    
Financial Liabilities        
Customer interest escrow 0 0    
Notes payable unsecured 0 0    
Notes payable related party 0 0    
Commitments to extend credit 0 0    
Significant Other Observable Inputs Level 2
        
Financial Assets        
Cash and cash equivalents 0 0    
Loans receivable, net 0 0    
Financial Liabilities        
Customer interest escrow 0 0    
Notes payable unsecured 0 0    
Notes payable related party 0 0    
Commitments to extend credit 0 0    
Significant Unobservable Inputs Level 3
        
Financial Assets        
Cash and cash equivalents 0 0    
Loans receivable, net 5,169 4,045    
Financial Liabilities        
Customer interest escrow 247 255    
Notes payable unsecured 4,160 3,239    
Notes payable related party 0 0    
Commitments to extend credit $ 57 $ 0    
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4. Financing Receivables
 3 Months Ended
Mar. 31, 2014
Receivables [Abstract]  
4. Financing Receivables

 

Financing receivables are comprised of the following:

 

   

March 31,

2014

    

December 31,

2013

  
                 
Commercial loans, gross   $ 5,858     $ 4,652  
Less: Deferred loan fees     (583 )     (571 )
Less: Deposits     (105 )     (36 )
Less: Allowance for loan losses     (1 )     –  
                 
Commercial loans, net   $ 5,169     $ 4,045  

 

Roll forward of commercial loans:

 

   

Three Months

Ended
March 31,
2014

     Year Ended
December 31,
2013		    

Three Months

Ended
March 31,
2013

  
                         
Beginning balance   $ 4,045     $ 3,604     $ 3,604  
Additions     1,669       3,331       278  
Payoffs/Sales     (463 )     (2,992 )     (389 )
Change in builder deposit     (68 )     (36 )     –  
Change in loan loss provision     (1 )     –       –  
New loan fees     (104 )     (121 )     –  
Earned loan fees     91       259       49  
                         
Ending balance   $ 5,169     $ 4,045     $ 3,542  

 

Commercial Construction and Development Loans

 

Pennsylvania Loans

 

On December 30, 2011, pursuant to a credit agreement by and between us, Benjamin Marcus Homes, LLC (“BMH”), Investor’s Mark Acquisitions, LLC (“IMA”) and Mark L. Hoskins (“Hoskins”) (collectively, the “Hoskins Group”) (as amended, the “Credit Agreement”), we originated two new loan assets, one to BMH as borrower (the “BMH Loan”) and one to IMA as borrower (the “New IMA Loan”). Pursuant to the Credit Agreement and simultaneously with the origination of the BMH Loan and the New IMA Loan, we also assumed the position of lender on an existing loan to IMA (the “Existing IMA Loan”) and assumed the position of borrower on another existing loan in which IMA serves as the lender (the “SF Loan”). Throughout this report, we refer to the BMH Loan, the New IMA Loan, and the Existing IMA Loan collectively as the “Pennsylvania Loans.” When we assumed the position of the lender on the Existing IMA Loan, we purchased a loan which was originated by the borrower’s former lender, and assumed that lender’s position in the loan and maintained the recorded collateral position in the loan. The borrower’s former lender and the seller of the BMH property are the same party, 84 FINANCIAL, L.P., an affiliate of 84 Lumber Company. The BMH Loan, the New IMA Loan and the Existing IMA Loan are all cross-defaulted and cross-collateralized with each other. Further, IMA and Hoskins serve as guarantors of the BMH Loan, and BMH and Hoskins serve as guarantors of the New IMA Loan and the Existing IMA Loan. As such, we are currently primarily reliant on a single developer and homebuilder for our revenues.

 

In April, July, September, and December 2013, and in March 2014, we entered into amendments to the Pennsylvania Loans. As a result of these amendments, BMH was allowed to borrow for the construction of homes on lots 204, 205, and 206 of the Hamlets subdivision and lots 2 and 5 of the Tuscany subdivision, both located in a suburb of Pittsburgh, Pennsylvania, and to borrow for the purchase of lot 5 of the Hamlets subdivision. The construction loan for lot 5 of the Tuscany subdivision is for an amount up to $747.5, and the construction loan for lot 2 of the Tuscany subdivision is for an amount up to the lesser of 60% of the appraised value of the home to be built on such lot or $750. Each of the construction loans are evidenced by promissory notes and are secured by first mortgages on the homes financed under such loans. Each of the construction loans is subject to a loan fee of 5% of the full amount of the loan, and bears interest at a rate of our cost of funds plus 2%. Unlike the development loans extended pursuant to the Credit Agreement, the release prices paid for each of the lots securing the construction loans will not be applied to fund the balance of the Interest Escrow established pursuant to the Credit Agreement, and interest on the construction loans will not be paid from the Interest Escrow. The outstanding balance of the construction loans for lots 2 and 5 of the Tuscany subdivision will not be included when calculating the amount outstanding pursuant to Section 2.05(f) of the Credit Agreement. Except as described in the amendments to the Credit Agreement, all other material terms of the construction loans are governed by the terms of the Credit Agreement.

 

As a result of these amendments to the Credit Agreement, we also issued a letter of credit for $155 to a sewer authority relating to BMH Loan (the “Letter of Credit”), and we allowed a fully funded mortgage in the amount of $1,146 to be placed in superior position to our mortgage, with the $1,146 proceeds being used to reduce the balance of BMH’s outstanding loan with us. A portion of the amount of the Letter of Credit is not included in our commitments to lend throughout the interim condensed consolidated financial statements contained in this report, as any amount drawn would be included in the credit limit of BMH, and, as of March 31, 2014, BMH is under the credit limit. The terms and conditions of the Pennsylvania Loans are set forth in further detail below.

 

A detail of the financing receivables for the Pennsylvania Loans at March 31, 2014 is as follows:

 

Item   Term   Interest Rate  

Funded to

borrower

       Estimated collateral values  
                       
BMH Loan   Demand(1)   COF +2%
(7% Floor)		              
Land for phases 3, 4, and 5           $ –       $ 1,042 (4)
Lot 5 Hamlets             142         180  
Interest Escrow             450         255  
Loan Fee             750         –  
Excess Paydown             (394 ) (5)        
Construction loan lot 118 Whispering Pines             139         354  
Construction loan lot 5 Tuscany             279         241  
Construction loan lot 2 Tuscany             280         250  
                           
Total BMH Loan             1,646         2,322  
IMA Loans                          
New IMA Loan (loan fee)   Demand(1)   COF +2%
(7% Floor)		     250         –  
New IMA Loan (advances)   Demand(1)   COF +2%
(7% Floor)		     1,766         –  
Existing IMA Loan   Demand(2)   7%     1,687         2,347 (3)
                           
Total IMA Loans             3,703         2,347  
                           
Unearned Loan Fee             (529 )       –  
SF Loan Payable             –         1,500  
                           
Total           $ 4,820       $ 6,169  

 

A detail of the financing receivables for the Pennsylvania Loans at December 31, 2013 is as follows:

 

Item   Term   Interest Rate  

Funded to

borrower

       Estimated collateral values  
                       
BMH Loan   Demand(1)   COF +2%
(7% Floor)		              
Land for phases 3, 4, and 5           $ –       $ 1,042 (4)
Lot 5 Hamlets             142         180  
Interest Escrow             450         255  
Loan Fee             750         –  
Excess Paydown             (394 ) (5)        
Construction loan lot 118 Whispering Pines             138         120  
Construction loan lot 5 Tuscany             37         –  
                           
Total BMH Loan             1,123         1,597  
IMA Loans                          
New IMA Loan (loan fee)   Demand(1)   COF +2%
(7% Floor)		     250         –  
New IMA Loan (advances)   Demand(1)   COF +2%
(7% Floor)		     1,479         –  
Existing IMA Loan   Demand(2)   7%     1,687         2,299 (6)
                           
Total IMA Loans             3,416         2,299  
                           
Unearned Loan Fee             (567 )       –  
SF Loan Payable             –         1,500  
                           
Total           $ 3,972       $ 5,396  

_______________

(1) These are the stated terms; however, in practice, principal will be repaid upon the sale of each developed lot.

 

(2) These are the stated terms; however, in practice, principal will be repaid upon the sale of each developed lot after the BMH loan and the New IMA loan are satisfied.

 

(3) Estimated collateral value is equal to the appraised value of $4,140, net of estimated costs to finish the development of $342, the appraised value of sold lots of $386, and the second mortgage amount of $1,065.

 

(4) Estimated collateral value is equal to the raw ground appraised value of $1,910 plus improvements of $278, net of the outstanding first mortgage of $1,146.

 

(5) Excess Paydown is the amount of initial funding of the Interest Escrow and/or Loan Fee that has/have been repaid to date. These amounts are available to be reborrowed in the future.

 

(6) Estimated collateral value is equal to the appraised value of $4,140, net of estimated costs to finish the development of $561, the appraised value of sold lots of $0, and the second mortgage amount of $1,280.

 

Except for the Whispering Pines loan, the loans are collectively cross-collateralized and, therefore, treated as one loan for the purpose of calculating the effective interest rate and for available remedies upon an instance of default. As lots are released, a specific release price is repaid by the borrower, with 10% of that amount being used to fund the Interest Escrow (except for the construction funding for homes). The customer will make cash interest payments only when the Interest Escrow is fully depleted, except for construction funding for homes, where the customer makes interest payments monthly.

 

The loans created in 2011 had a $1,000 loan fee. The expenses incurred related to issuing the loan were approximately $76, which were netted against the loan amount. The remaining $924, which is netted against the gross loan amount, is being recognized over the expected life of the loans using the straight-line method in accordance with ASC 310-20, Nonrefundable Fees and Other Costs. During 2013 and 2014, five construction loans to the same customer were executed with $156 in loan fees, which fees are being recognized over the expected life of each advance. Income of $78 and $49 was recoginized during the three month periods ended March 31, 2014 and 2013, respectively. The effective annual rate on the loans for the three month periods ended March 31, 2014 and 2013 was 14.95% and 11.96%, respectively The aggregate unearned loan fee was $583 and $567 as of March 31, 2014 and December 31, 2013, respectively.

 

The Company has a credit agreement with its largest borrower which includes a maximum exposure on all three loans, which was $4,750 at both March 31, 2014 and December 31, 2013. This limit does not include construction loans.

 

Commercial Development Loan Portfolio Summary

 

The following is a summary of our loan portfolio to builders for land development as of March 31, 2014. The Pennsylvania loans are included in the Pennsylvania Loans discussed above.

 

State Number of Borrowers Number of Loans Value of Collateral(1) Commitment Amount

Amount

Outstanding

 Loan to Value Ratio(2) Loan Fee
Pennsylvania 1 3 $5,323 $4,750(3) $4,651 64% 5%
Total 1 3 $5,323 $4,750 $4,651 64% 5%

_______________

  (1) The value is determined by the appraised value.
  (2) The loan to value ratio is calculated by taking the commitment amount and dividing by the appraised value.

 

Commercial Construction Loan Portfolio Summary

 

The following is a summary of our loan portfolio to builders for home construction loans as of March 31, 2014. The Pennsylvania loans are included in the Pennsylvania Loans discussed above.

 

State Number of Borrowers Number of Loans Value of Collateral(1) Commitment Amount

Amount

Outstanding

 Loan to Value Ratio(2) Loan Fee
Pennsylvania 1 3 $2,992(3) $      1,919(3) $725 64% 5%
New Jersey 1 2 531 372 178 70% 5%
Colorado 1 2 985 672 137 68% 5%
South Carolina 1 1 660 350 167 53% 5%
Total 4 8 $5,168 $3,313 $1,207 64%(4) 5%

_______________

  (1) The value is determined by the appraised value.
  (2) The loan to value ratio is calculated by taking the commitment amount and dividing by the appraised value.
  (3) The appraisal on one property has not been received as of March 31, 2014. Amounts shown are estimates based on the anticipated results of the appraisal. Construction draws are contingent on results of the appraisal.
  (4) Represents the weighted average loan to value ratio of the loans.

 

Credit Quality Information

 

The following table presents credit-related information at the “class” level in accordance with ASC 310-10-50, Disclosures about the Credit Quality of Finance Receivables and the Allowance for Credit Losses. A class is generally a disaggregation of a portfolio segment. In determining the classes, the Company considered the finance receivable characteristics and methods it applies in monitoring and assessing credit risk and performance.

 

The following table summarizes finance receivables by the risk ratings that regulatory agencies utilize to classify credit exposure and which are consistent with indicators the Company monitors. Risk ratings are reviewed on a regular basis and are adjusted as necessary for updated information affecting the borrowers’ ability to fulfill their obligations.

 

The definitions of these ratings are as follows:

 

  · Pass – finance receivables in this category do not meet the criteria for classification in one of the categories below.

 

  · Special mention – a special mention asset exhibits potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may, at some future date, result in the deterioration of the repayment prospects.

 

  · Classified – a classified asset ranges from: 1) assets that are inadequately protected by the current sound worth and paying capacity of the borrower, and are characterized by the distinct possibility that some loss will be sustained if the deficiencies are not corrected to 2) assets with weaknesses that make collection or liquidation in full unlikely on the basis of current facts, conditions, and values. Assets in this classification can be accruing or on non-accrual depending on the evaluation of these factors.

 

Finance Receivables – By Classification:

 

    March 31,
2014		     December 31,
2013		  
                 
Pass   $ 5,169     $ 4,045  
Special mention     –       –  
Classified – accruing     –       –  
Classified – nonaccrual     –       –  
                 
Total   $ 5,169     $ 4,045  

 

At March 31, 2014 and December 31, 2013, there were no loans acquired with deteriorated credit quality, past due loans, impaired loans, or loans on nonaccrual status.
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4. Financing Receivables (Details-by classification) (USD $)
In Thousands, unless otherwise specified
Mar. 31, 2014
Dec. 31, 2013
Mar. 31, 2013
Dec. 31, 2012
Loans receivable, net $ 5,169 $ 4,045 $ 3,542 $ 3,604
Pass
        
Loans receivable, net 5,169 4,045    
Special Mention
        
Loans receivable, net 0 0    
Classified - accruing
        
Loans receivable, net 0 0    
Classified - nonaccrual
        
Loans receivable, net $ 0 $ 0    
XML 18 R28.htm IDEA: XBRL DOCUMENT v2.4.0.8
4. Financing Receivables (Details-Details of Pennsylvania loans) (USD $)
In Thousands, unless otherwise specified
Mar. 31, 2014
Dec. 31, 2013
Funded to borrower $ 5,169 $ 4,045
Estimated collateral values 6,169 5,396
Unearned loan fee 0 (567)
SF Loan 1,500 1,500
Land for phases 3, 4, and 5
    
Funded to borrower 0 0
Estimated collateral values 1,042 1,042
Lot 5 Hamlets
    
Funded to borrower 142 142
Estimated collateral values 180 180
BMH Interest Escrow
    
Funded to borrower 450 450
Estimated collateral values 255 255
BMH Loan Fee
    
Funded to borrower 750 750
Estimated collateral values 0 0
Excess Paydown
    
Funded to borrower (394) (394)
Estimated collateral values 0 0
Whispering Pines
    
Funded to borrower 139 138
Estimated collateral values 354 120
Construction loan lot 5 Tuscany
    
Funded to borrower 279 37
Estimated collateral values 241 0
Construction loan lot 2 Tuscany
    
Funded to borrower 280  
Estimated collateral values 250  
BMH Loan
    
Term Demand  
Interest rate COF +2%  (7% Floor)  
Funded to borrower 2,135  
Estimated collateral values 2,533  
New IMA Loan (loan fee)
    
Term Demand  
Interest rate COF +2%  (7% Floor)  
Funded to borrower 250  
Estimated collateral values 0  
New IMA Loan (advances)
    
Term Demand  
Interest rate COF +2%  (7% Floor)  
Funded to borrower 1,766  
Estimated collateral values 0  
IMA Existing Loan
    
Term Demand Demand
Interest rate 7% 7%
Funded to borrower 1,687 1,687
Estimated collateral values 2,347 2,299
Total IMA Loans
    
Funded to borrower 3,703  
Estimated collateral values 2,347  
Unearned loan fee (529)  
SF Loan 0  
Total BMH Loan
    
Term   Demand
Interest rate   COF +2%  (7% Floor)
Funded to borrower   1,123
Estimated collateral values   1,597
New IMA Loan Loan Fee
    
Term   Demand
Interest rate   COF +2%  (7% Floor)
Funded to borrower   250
Estimated collateral values   0
New IMA Loan Loan Advances
    
Term   Demand
Interest rate   7%
Funded to borrower   1,479
Estimated collateral values   0
Total IMA Loans
    
Funded to borrower   3,416
Estimated collateral values   $ 2,299
XML 19 R30.htm IDEA: XBRL DOCUMENT v2.4.0.8
4. Financing Receivables (Detail Narrative) (USD $)
In Thousands, unless otherwise specified
 3 Months Ended
Mar. 31, 2014
Mar. 31, 2013
Dec. 31, 2013
Receivables [Abstract]      
Effective Annual Rates on commercial loans-receivables 14.95% 11.96%  
Aggregate unearned loan fee $ 583   $ 567
XML 20 R31.htm IDEA: XBRL DOCUMENT v2.4.0.8
5. Borrowings (Details-Notes outstanding) (USD $)
In Thousands, unless otherwise specified
 3 Months Ended 12 Months Ended
Mar. 31, 2014
Mar. 31, 2013
Dec. 31, 2013
Debt Disclosure [Abstract]      
Notes outstanding, beginning of period $ 1,739 $ 2 $ 2
Notes issued 923 50 1,737
Note repayments / redemptions (2) 0 0
Notes outstanding, end of period $ 2,660 $ 52 $ 1,739
XML 21 R8.htm IDEA: XBRL DOCUMENT v2.4.0.8
3. Fair Value
 3 Months Ended
Mar. 31, 2014
Fair Value Disclosures [Abstract]  
3. Fair Value

At March 31, 2014 and December 31, 2013, the Company had no assets measured at fair value on a recurring or nonrecurring basis. The Company has determined that the carrying value of financial instruments approximates fair value, as outlined below:

 

Cash and Cash Equivalents

 

The carrying amount approximates fair value because of the short maturity of these instruments.

 

Loans Receivable and Commitments to Extend Credit

 

For variable rate loans that reprice frequently with no significant change in credit risk, estimated fair values are based on carrying values at March 31, 2014 and December 31, 2013. The estimated fair values for other loans are calculated by discounting the future cash flows using current rates at which similar loans would be made to borrowers with similar credit ratings and the same remaining maturities and approximate carrying values of these instruments at March 31, 2014 and December 31, 2013. For unfunded commitments to extend credit, because there would be no adjustment between fair value and carrying amount for the amount if actually loaned, there is no adjustment to the amount before it is loaned. The amount for commitments to extend credit is zero in the tables below because there is no difference between carrying value and fair value, and the amount is not recorded on the consolidated balance sheets as a liability.

 

Customer Interest Escrow

 

The customer interest escrow does not yield interest to the customer, but because: 1) the customer loans are demand loans, 2) there is no way to estimate how long the escrow will be in place, and 3) the interest rate which could be used to discount this amount is negligible, the fair value approximates the carrying value at both March 31, 2014 and December 31, 2013.

  

Borrowings under Credit Facilities

 

The fair value of the Company’s borrowings under credit facilities is estimated based on the expected cash flows discounted using the current rates offered to the Company for debt of the same remaining maturities. As all of the borrowings under credit facilities or the Notes are either payable on demand or at similar rates to what the Company can borrow funds for today, the fair value of the borrowings is determined to approximate carrying value at March 31, 2014 and December 31, 2013.

 

The table below is a summary of fair value estimates for financial instruments and the level of the fair value hierarchy (as discussed in Note 2) within which the fair value measurements are categorized at the periods indicated:

 

March 31, 2014

 

   Carrying Amount   Estimated
Fair Value		   Quoted Prices in Active Markets for Identical Assets
Level 1		  

Significant Other

Observable Inputs Level 2

   Significant Unobservable Inputs
Level 3		 
Financial Assets                       
Cash and cash equivalents  $511   $511   $511  $–  $– 
Loans receivable, net   5,169    5,169    –   –    5,169 
Financial Liabilities                       
Customer interest escrow   247    247    –   –    247 
Notes payable unsecured   4,160    4,160    –   –    4,160 
Notes payable related party   –    –    –   –    – 
Commitments to extend credit   57    57    –   –    57 

 

December 31, 2013

 

   Carrying Amount   Estimated
Fair Value		   Quoted Prices in Active Markets for Identical Assets
Level 1		   Significant Other Observable Inputs
Level 2		   Significant Unobservable Inputs
Level 3		 
Financial Assets                         
Cash and cash equivalents  $722   $722   $722   $–   $– 
Loans receivable, net   4,045    4,045    –    –    4,045 
Financial Liabilities                         
Customer interest escrow   255    255    –    –    255 
Notes payable unsecured   3,239    3,239    –    –    3,239 
Notes payable related party   –    –    –    –    – 
Commitments to extend credit   –    –    –    –    – 

 
XML 22 R32.htm IDEA: XBRL DOCUMENT v2.4.0.8
5. Borrowings (Details-Note maturity schedule) (USD $)
In Thousands, unless otherwise specified
Mar. 31, 2014
Dec. 31, 2013
Mar. 31, 2013
Dec. 31, 2012
Debt Disclosure [Abstract]        
2014 $ 429      
2015 94      
2016 8      
2017 726      
2018 1,403      
Total $ 2,660 $ 1,739 $ 52 $ 2
XML 23 R2.htm IDEA: XBRL DOCUMENT v2.4.0.8
Interim Condensed Consolidated Balance Sheets (Unaudited) (USD $)
In Thousands, unless otherwise specified
Mar. 31, 2014
Dec. 31, 2013
Assets    
Cash and cash equivalents $ 511 $ 722
Accrued interest on loans 38 27
Deferred offering costs, net 654 649
Other assets 23 14
Loans receivable, net 5,169 4,045
Total assets 6,395 5,457
Liabilities and Members' Capital    
Customer interest escrow 247 255
Accounts payable and accrued expense 83 59
Notes payable unsecured 4,160 3,239
Total liabilities 4,490 3,553
Commitments and Contingencies      
Members' capital 1,905 1,904
Total liabilities and members' capital $ 6,395 $ 5,457
XML 24 R6.htm IDEA: XBRL DOCUMENT v2.4.0.8
1. Description of Business and Basis of Presentation
 3 Months Ended
Mar. 31, 2014
Organization, Consolidation and Presentation of Financial Statements [Abstract]  
Description of Business and Basis of Presentation

Description of Business

 

Description of Business

Shepherd’s Finance, LLC and subsidiaries (the “Company”, “we” or “our”) is a finance company that engages in commercial lending to residential homebuilders, financing construction of single family homes and residential development. The loans are extended to residential homebuilders and, as such, are commercial loans.

 

We anticipate expanding our lending capacity and funding our business operations by continued extension of unsecured subordinated notes (“Notes”) to the general public, which Notes are unsecured subordinated debt. We have a revolving secured line of credit from affiliates with no balance outstanding as of both March 31, 2014 and December 31, 2013. Eventually, the Company intends to permanently replace the debt to affiliates with secured debt from a bank or through other liquidity.

 

Basis of Presentation

The accompanying (a) condensed consolidated balance sheet as of December 31, 2013, which has been derived from audited consolidated financial statements, and (b) unaudited interim condensed consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America (“U.S. GAAP”) for interim financial information and the instructions to Form 10-Q and Article 10 of Regulation S-X. While certain information and disclosures normally included in financial statements prepared in accordance with U.S. GAAP have been condensed or omitted pursuant to the rules and regulations of the Securities and Exchange Commission (“SEC”), management believes that the disclosures herein are adequate to make the condensed consolidated information presented not misleading. In the opinion of management, the unaudited interim condensed consolidated financial statements reflect all adjustments necessary for a fair presentation of the consolidated financial position, results of operations and cash flows for the periods presented. Such adjustments are of a normal, recurring nature. The results of operations for any interim period are not necessarily indicative of results expected for the fiscal year ending December 31, 2014. These unaudited interim condensed consolidated financial statements should be read in conjunction with the year end 2013 consolidated financial statements and notes thereto included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2013 (the “2013 Statements”). The accounting policies followed by the Company are set forth in Note 2 - Summary of Significant Accounting Policies of the notes to the 2013 Statements.

 

Liquidity and Capital Resources

 

Our operations are subject to certain risks and uncertainties, particularly related to the concentration of our current operations, the majority of which are to a single customer and geographic region, as well as the evolution of the current economic environment and its impact on the United States real estate and housing markets. Both the concentration of risk and the economic environment could directly or indirectly impact losses related to certain transactions and access to and cost of adequate financing.

  

The Company’s anticipated primary source of liquidity going forward is the continued extension of Notes to the general public, interest income and/or principal repayments related to the loans, as well as funds borrowed from affiliated creditors.  Our public Notes offering, which allows us to borrow money, was declared effective by the SEC on October 4, 2012 and has been registered and declared effective in 38 states as of both March 31, 2014 and December 31, 2013. We began to advertise in March 2013 and received an aggregate of approximately $2,660 and $1,739 in Notes proceeds as of March 31, 2014 and December 31, 2013, respectively. We anticipate continuing our sales efforts in the remainder of 2014, focusing on the efforts that have proven fruitful. The Company’s ability to fund its operations remains dependent upon the ability of our largest borrower, whose loan commitments represent 83% and 98% of our total outstanding loan commitments as of March 31, 2014 and December 31, 2013, respectively, to continue paying interest and/or principal and our ability to obtain additional financing, as needed, from the members, general public and other entities. The risk of our largest customer not paying interest is mitigated in the short term by having an interest escrow, which had a balance of $215 and $255 as of March 31, 2014 and December 31, 2013, respectively. While a default by this large customer could impact our cash flow and/or profitability in the long term, we believe that in the short term, a default might impact profitability, but not liquidity, as we are not receiving interest payments from the customer while he is performing (interest is being credited from his interest escrow).

 

We generated net income (loss) of $17 and ($41) for the three months ended March 31, 2014 and 2013 respectively. At March 31, 2014 and December 31, 2013, we had cash on hand of $511 and $722, respectively, and our outstanding debt totaled $4,160 and $3,239, respectively, which was unsecured or payable to related parties. As of March 31, 2014 and December 31, 2013, the amount that we have not loaned, but are obligated to potentially lend to our customers based on our agreements with them, was $2,262 and $1,449, respectively. Our availability on our line of credit from our members was $1,500 as of both March 31, 2014 and December 31, 2013.

 

Our current plan is to expand the commercial lending program by using current liquidity and available funding (including funding from our Notes program). We have anticipated the costs of this expansion and the continuing costs of maintaining our public company status, and we anticipate generating, through normal operations, the cash flows and liquidity necessary to meet our operating, investing and financing requirements. As noted above, the two most significant factors driving our current plans are the continued payments of principal and/or interest by our largest borrower and the public offering of Notes. If actual results differ materially from our current plan or if expected financing is not available, we believe we have the ability and intent to obtain funding and generate net worth through additional debt or equity infusions of cash, if needed. There can be no assurance, however, that we will be able to implement our strategies or obtain additional financing under favorable terms, if at all.
XML 25 R35.htm IDEA: XBRL DOCUMENT v2.4.0.8
8. Commitments and Contingencies (Detail Narratives) (USD $)
In Thousands, unless otherwise specified
Mar. 31, 2014
Dec. 31, 2013
Commitments And Contingencies Detail Narratives    
Unfunded Commitments $ 2,262 $ 1,449
XML 26 R22.htm IDEA: XBRL DOCUMENT v2.4.0.8
2. Summary of Significant Accounting Policies (Details-Deferred financing costs) (USD $)
In Thousands, unless otherwise specified
 3 Months Ended 12 Months Ended
Mar. 31, 2014
Mar. 31, 2013
Dec. 31, 2013
Dec. 31, 2012
Accounting Policies [Abstract]        
Deferred financing costs, beginning balance $ 649 $ 598 $ 598  
Additions 17 33 82  
Write-offs 0 0 (11)  
Deferred financing costs, ending balance 686 631 669  
Less accumulated amortization (32) (6) (20) (2)
Deferred financing costs, net $ 654 $ 625 $ 649  
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2. Summary of Significant Accounting Policies (Details Narrative) (USD $)
In Thousands, unless otherwise specified
 3 Months Ended
Mar. 31, 2014
Mar. 31, 2013
Advertising expenses $ 0 $ 8
Loan Commitments [Member]
    
Risk concentration of loans to one borrower 83.00%  
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2. Summary of Significant Accounting Policies
 3 Months Ended
Mar. 31, 2014
Accounting Policies [Abstract]  
2. Summary of Significant Accounting Policies

Segment Reporting

 

We report all ongoing operations in one segment, commercial lending.

 

Use of Estimates

 

The preparation of consolidated financial statements in conformity with 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 consolidated financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. It is reasonably possible that market conditions could deteriorate, which could materially affect our consolidated financial position, results of operations and cash flows. Among other effects, such changes could result in the need to increase the amount of our allowance for loan losses.

 

Revenue Recognition

 

Interest income generally is recognized on an accrual basis. The accrual of interest is generally discontinued on all loans past due 90 days or more. All interest accrued but not collected for loans that are placed on nonaccrual or charged off is reversed against interest income, unless management believes that the accrued interest is recoverable through liquidation of collateral. Interest received on nonaccrual loans is applied against principal. Interest on accruing impaired loans is recognized as long as such loans do not meet the criteria for nonaccrual status.

  

Advertising

 

Advertising costs are expensed as incurred and are included in selling, general, and administrative. Advertising expenses were $0 and $8 for the three months ended March 31, 2014 and 2013, respectively.

 

Cash and Cash Equivalents

 

Management considers highly-liquid investments with original maturities of three months or less to be cash equivalents.

 

Fair Value Measurements

 

The Company has established a framework for measuring fair value under U.S. GAAP using a hierarchy, which requires the Company to maximize the use of observable inputs and minimize the use of unobservable inputs. Fair value measurements are an exit price, representing the amount that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants. Three levels of inputs are used to measure fair value, as follows:

 

Level 1 – quoted prices in active markets for identical assets or liabilities;

 

Level 2 – quoted prices in active markets for similar assets and liabilities and inputs that are observable for the asset or liability; or

 

Level 3 – unobservable inputs, such as discounted cash flow models or valuations.

 

The determination of where assets and liabilities fall within this hierarchy is based upon the lowest level of input that is significant to the fair value measurement. See Note 3.

 

Loans Receivable

 

Loans are stated at the amount of unpaid principal, net of any allowances for loan losses, and adjusted for (1) the net amount of direct costs and nonrefundable loan fees associated with lending, and (2) deposits made by the borrowers used as collateral for a loan and due back to the builder at or prior to loan payoff. The net amount of nonrefundable loan origination fees and direct costs associated with the lending process, including commitment fees, is deferred and accreted to interest income over the lives of the loans using a method that approximates the interest method. The majority of the Company’s loans are secured by real estate in a suburb of Pittsburgh, Pennsylvania. Accordingly, the ultimate collectability of a substantial portion of these loans is susceptible to changes in market conditions in that area.

 

Past due loans are loans contractually past due 30 days or more as to principal or interest payments. A loan is classified as nonaccrual, and the accrual of interest on such loan is discontinued, when the contractual payment of principal or interest becomes 90 days past due. In addition, a loan may be placed on nonaccrual at any other time management has serious doubts about further collectability of principal or interest according to the contractual terms, even though the loan is currently performing. A loan may remain on accrual status if it is in the process of collection or well-secured (i.e. the loan has sufficient collateral value). Loans are restored to accrual status when the obligation is brought current or has performed in accordance with the contractual terms for a reasonable period of time and the ultimate collectability of the total contractual principal and interest is no longer in doubt.

 

A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Impaired loans, or portions thereof, are charged off when deemed uncollectible. Once a loan is 90 days past due, management begins a workout plan with the borrower or commences its foreclosure process on the collateral.

  

Allowance for Loan Losses

 

The allowance for loan losses, when determined to be necessary, is maintained at a level believed adequate by management to absorb probable losses inherent in the loan portfolio.

 

For loans to one borrower with committed balances less than 10% of our total committed balances on all loans extended to all customers, we establish a collective reserve for all loans which are not more than 60 days past due at the end of a quarter. This collective reserve takes into account both historical information and a qualitative analysis of housing and other economic factors that may impact our future realized losses. For loans to one borrower with committed balances less than 10% of our total committed balances on all loans extended to all customers, we individually analyze for impairment all loans which are more than 60 days past due at the end of a quarter. For loans to one borrower with committed balances equal to or greater than 10% of our total committed balances on all loans extended to all customers, we individually analyze all loans for impairment. The analysis of loans, if required, includes a comparison of estimated collateral value to the principal amount of the loan. If the value determined is less than the principal amount due (less any builder deposit), then the difference is included in the loan loss. As values change, estimated loan losses may be provided for more or less than the previous period, and some loans may not need a loss provision based on payment history.  For homes which are partially complete, we appraise on an as-is and completed basis, and use the one that more closely aligns with our planned method of disposal for the property.

 

For loans that are individually evaluated for impairment, appraisals have been prepared within the last 13 months. There are also broker’s opinions of value (“BOV”) prepared, if the appraisal is more than six months old. The lower of any BOV prepared in the last six months, or appraisal done in the last 13 months, is used, unless we determine a BOV to be invalid based on the comparable sales used. If we determine a BOV to be invalid, we will use the appraised value. Appraised values are adjusted down for estimated costs associated with asset disposal.

 

Deferred Financing Costs, Net

 

We defer certain costs associated with financing activities related to the issuance of debt securities (Deferred financing costs). These costs consist primarily of professional fees incurred related to the transactions. Deferred financing costs are amortized into interest expense over the life of the related debt. We make estimates for the amount of proceeds we anticipate receiving from our Notes offering. We also estimate the average duration of these future investments. If either of these estimates is determined to be incorrect in the future, the rate at which we are amortizing the deferred offering costs as interest expense would be adjusted and could have a material impact on the consolidated financial statements.

 

For the year ended December 31, 2012, our deferred financing costs included private offering costs incurred of $11. These costs were being amortized over the life of that offering, but because no funds were received from the private offering, the private offering was terminated during the third quarter of 2013. Accordingly, the private offering costs were written-off in the third quarter of 2013.

  

The following is a roll forward of deferred financing costs:

 

  

Three Months

Ended
March 31,
2014

   Year Ended
December 31,
2013		  

Three Months

Ended
March 31,
2013

 
                
Deferred financing costs, beginning balance  $669   $598   $598 
Additions   17    82    33 
Write-offs   –    (11)   – 
                
Deferred financing costs, ending balance  $686   $669   $631 
                
Less accumulated amortization   (32)   (20)   (6)
                
Deferred financing costs, net  $654   $649   $625 

 

The following is a roll forward of the accumulated amortization of deferred financing costs:

 

   Three Months
Ended
March 31,
2014		   Year Ended
December 31,
2013		   Three Months
Ended
March 31,
2013		 
             
Accumulated amortization, beginning balance  $20   $2   $2 
Additions  12   18   4 
             
Accumulated amortization, ending balance  $32   $20   $6 

 

Income Taxes

 

The entities included in the condensed consolidated financial statements are organized as pass-through entities under the Internal Revenue Code. As such, taxes are the responsibility of the members. Other significant taxes for which the Company is liable are recorded on an accrual basis.

 

The Company applies ASC Topic 740, Income Taxes (“ASC 740”). ASC 740 provides guidance for how uncertain tax positions should be recognized, measured, presented and disclosed in the consolidated financial statements and requires the evaluation of tax positions taken or expected to be taken in the course of preparing the Company’s consolidated financial statements to determine whether the tax positions are “more-likely-than-not” to be sustained by the applicable tax authority. Tax positions with respect to income tax at the LLC level not deemed to meet the “more-likely-than-not” threshold would be recorded as a tax benefit or expense in the appropriate period. Management concluded that there are no uncertain tax positions that should be recognized in the consolidated financial statements. With few exceptions, the Company is no longer subject to income tax examinations for years prior to 2010.

 

The Company’s policy is to record interest and penalties related to taxes in interest expense on the consolidated statements of operations. There have been no significant interest or penalties assessed or paid.

 

Risks and Uncertainties

 

The Company is subject to many of the risks common to the commercial lending and real estate industries, such as general economic conditions, decreases in home values, decreases in housing starts, and high unemployment. These risks, which could have a material and negative impact on the Company’s consolidated financial condition, results of operations, and cash flows include, but are not limited to, declines in housing starts, unfavorable changes in interest rates, and competition from other lenders. At March 31, 2014, our loans were primarily concentrated in a suburb of Pittsburgh, Pennsylvania, so the housing starts and prices in that area are more significant to our business than other areas until and if more loans are created in other markets.

  

Concentrations

 

Financial instruments that potentially subject the Company to concentrations of credit risk consist principally of loans receivable. As of March 31, 2014, 83% of our loan commitments consist of loans to one borrower, and the collateral is in one real estate market.
XML 30 R3.htm IDEA: XBRL DOCUMENT v2.4.0.8
Interim Condensed Consolidated Statements of Operations (Unaudited) (USD $)
In Thousands, unless otherwise specified
 3 Months Ended
Mar. 31, 2014
Mar. 31, 2013
Interest Income    
Interest and fee income on loans $ 196 $ 126
Interest expense 63 27
Net interest income 133 99
Less: Loan loss provision 1 0
Net interest income 132 99
Non-Interest Expense    
Selling, general and administrative 115 140
Total non interest expense 115 140
Net income (loss) $ 17 $ (41)
XML 31 R17.htm IDEA: XBRL DOCUMENT v2.4.0.8
3. Fair Value (Tables)
 3 Months Ended
Mar. 31, 2014
Fair Value Disclosures [Abstract]  
Fair value measurements

The table below is a summary of fair value estimates for financial instruments and the level of the fair value hierarchy (as discussed in Note 2) within which the fair value measurements are categorized at the periods indicated:

 

March 31, 2014

 

   Carrying Amount   Estimated
Fair Value		   Quoted Prices in Active Markets for Identical Assets
Level 1		  

Significant Other

Observable Inputs Level 2

   Significant Unobservable Inputs
Level 3		 
Financial Assets                       
Cash and cash equivalents  $511   $511   $511  $–  $– 
Loans receivable, net   5,169    5,169    –   –    5,169 
Financial Liabilities                       
Customer interest escrow   247    247    –   –    247 
Notes payable unsecured   4,160    4,160    –   –    4,160 
Notes payable related party   –    –    –   –    – 
Commitments to extend credit   57    57    –   –    57 

 

December 31, 2013

 

   Carrying Amount   Estimated
Fair Value		   Quoted Prices in Active Markets for Identical Assets
Level 1		   Significant Other Observable Inputs
Level 2		   Significant Unobservable Inputs
Level 3		 
Financial Assets                         
Cash and cash equivalents  $722   $722   $722   $–   $– 
Loans receivable, net   4,045    4,045    –    –    4,045 
Financial Liabilities                         
Customer interest escrow   255    255    –    –    255 
Notes payable unsecured   3,239    3,239    –    –    3,239 
Notes payable related party   –    –    –    –    – 
Commitments to extend credit   –    –    –    –    – 

 
XML 32 R1.htm IDEA: XBRL DOCUMENT v2.4.0.8
Document and Entity Information
 3 Months Ended
Mar. 31, 2014
Document And Entity Information  
Entity Registrant Name Shepherd's Finance, LLC
Entity Central Index Key 0001544190
Document Type 10-Q
Document Period End Date Mar. 31, 2014
Amendment Flag false
Current Fiscal Year End Date --12-31
Is Entity a Well-known Seasoned Issuer? No
Is Entity a Voluntary Filer? No
Is Entity's Reporting Status Current? Yes
Entity Filer Category Smaller Reporting Company
Entity Common Stock, Shares Outstanding 0
Document Fiscal Period Focus Q1
Document Fiscal Year Focus 2014
XML 33 R18.htm IDEA: XBRL DOCUMENT v2.4.0.8
4. Financing Receivables (Tables)
 3 Months Ended
Mar. 31, 2014
Receivables [Abstract]  
Financing Receivables
  

March 31,

2014

  

December 31,

2013

 
           
Commercial loans, gross  $5,858   $4,652 
Less: Deferred loan fees   (583)   (571)
Less: Deposits   (105)   (36)
Less: Allowance for loan losses   (1)   – 
           
   $5,169   $4,045 
Roll forward of commercial loans
  

Three Months

Ended
March 31,
2014

   Year Ended
December 31,
2013		  

Three Months

Ended
March 31,
2013

 
                
Beginning balance  $4,045   $3,604   $3,604 
Additions   1,669    3,331    278 
Payoffs/Sales   (463)   (2,992)   (389)
Change in builder deposit   (68)   (36)   – 
Change in loan loss provision   (1)   –    – 
New loan fees   (104)   (121)   – 
Earned loan fees   91    259    49 
                
Ending balance  $5,169   $4,045   $3,542 
Detail of financing receivables

A detail of the financing receivables for the Pennsylvania Loans at March 31, 2014 is as follows:

 

Item   Term   Interest Rate  

Funded to

borrower

       Estimated collateral values  
                       
BMH Loan   Demand(1)   COF +2%
(7% Floor)		              
Land for phases 3, 4, and 5           $ –       $ 1,042 (4)
Lot 5 Hamlets             142         180  
Interest Escrow             450         255  
Loan Fee             750         –  
Excess Paydown             (394 ) (5)        
Construction loan lot 118 Whispering Pines             139         354  
Construction loan lot 5 Tuscany             279         241  
Construction loan lot 2 Tuscany             280         250  
                           
Total BMH Loan             1,646         2,322  
IMA Loans                          
New IMA Loan (loan fee)   Demand(1)   COF +2%
(7% Floor)		     250         –  
New IMA Loan (advances)   Demand(1)   COF +2%
(7% Floor)		     1,766         –  
Existing IMA Loan   Demand(2)   7%     1,687         2,347 (3)
                           
Total IMA Loans             3,703         2,347  
                           
Unearned Loan Fee             (529 )       –  
SF Loan Payable             –         1,500  
                           
Total           $ 4,820       $ 6,169  

  

A detail of the financing receivables for the Pennsylvania Loans at December 31, 2013 is as follows:

 

Item   Term   Interest Rate  

Funded to

borrower

       Estimated collateral values  
                       
BMH Loan   Demand(1)   COF +2%
(7% Floor)		              
Land for phases 3, 4, and 5           $ –       $ 1,042 (4)
Lot 5 Hamlets             142         180  
Interest Escrow             450         255  
Loan Fee             750         –  
Excess Paydown             (394 ) (5)        
Construction loan lot 118 Whispering Pines             138         120  
Construction loan lot 5 Tuscany             37         –  
                           
Total BMH Loan             1,123         1,597  
IMA Loans                          
New IMA Loan (loan fee)   Demand(1)   COF +2%
(7% Floor)		     250         –  
New IMA Loan (advances)   Demand(1)   COF +2%
(7% Floor)		     1,479         –  
Existing IMA Loan   Demand(2)   7%     1,687         2,299 (6)
                           
Total IMA Loans             3,416         2,299  
                           
Unearned Loan Fee             (567 )       –  
SF Loan Payable             –         1,500  
                           
Total           $ 3,972       $ 5,396  

_______________
Commercial Development Loan Portfolio Summary

The following is a summary of our loan portfolio to builders for land development as of March 31, 2014. The Pennsylvania loans are included in the Pennsylvania Loans discussed above.

 

State Number of Borrowers Number of Loans Value of Collateral(1) Commitment Amount

Amount

Outstanding

 Loan to Value Ratio(2) Loan Fee
Pennsylvania 1 3 $5,323 $4,750(3) $4,651 64% 5%
Total 1 3 $5,323 $4,750 $4,651 64% 5%

_______________

(1)The value is determined by the appraised value.
(2)The loan to value ratio is calculated by taking the commitment amount and dividing by the appraised value.
Commercial Construction Loan Portfolio Summary

The following is a summary of our loan portfolio to builders for home construction loans as of March 31, 2014. The Pennsylvania loans are included in the Pennsylvania Loans discussed above.

 

State Number of Borrowers Number of Loans Value of Collateral(1) Commitment Amount

Amount

Outstanding

 Loan to Value Ratio(2) Loan Fee
Pennsylvania 1 3 $2,992(3) $      1,919(3) $725 64% 5%
New Jersey 1 2 531 372 178 70% 5%
Colorado 1 2 985 672 137 68% 5%
South Carolina 1 1 660 350 167 53% 5%
Total 4 8 $5,168 $3,313 $1,207 64%(4) 5%

_______________

(1)The value is determined by the appraised value.
(2)The loan to value ratio is calculated by taking the commitment amount and dividing by the appraised value.
(3)The appraisal on one property has not been received as of March 31, 2014. Amounts shown are estimates based on the anticipated results of the appraisal. Construction draws are contingent on results of the appraisal.
(4)Represents the weighted average loan to value ratio of the loans.

 
Finance receivables by classification
   March 31,
2014		   December 31,
2013		 
           
Pass  $5,169   $4,045 
Special mention   –    – 
Classified – accruing   –    – 
Classified – nonaccrual   –    – 
           
Total  $5,169   $4,045 
XML 34 R4.htm IDEA: XBRL DOCUMENT v2.4.0.8
Interim Condensed Consolidated Statement of Changes in Members' Capital (Unaudited) (USD $)
In Thousands, unless otherwise specified
 3 Months Ended
Mar. 31, 2014
Mar. 31, 2013
Interim Condensed Consolidated Statement Of Changes In Members Capital    
Members' capital, beginning balance $ 1,904  
Net income 17 (41)
Distributions to members 16 22
Members' capital, ending balance $ 1,905  
XML 35 R12.htm IDEA: XBRL DOCUMENT v2.4.0.8
7. Related Party Transactions
 3 Months Ended
Mar. 31, 2014
Related Party Transactions [Abstract]  
7. Related Party Transactions

The accompanying interim condensed consolidated financial statements have been prepared from the separate accounts maintained by the Company and may not be indicative of the conditions that would have existed or the results of operations that would have occurred had the Company not entered into certain related party transactions or not participated in certain transactions with its members.

 

Notes and Accounts Payable to Affiliates

 

The Company has a loan agreement with two of our affiliates, as more fully described in Note 5 – Affiliate Loans.

 

The Company has a loan agreement with the Hoskins Group, as more fully described in Note 5 – SF Loan.

 

The Company has accepted new investments under the Notes program from employees, managers, members and relatives of managers and members totaling $462, all of which is outstanding at March 31, 2014. This sum includes, but is not limited to, $120 invested by Bill Myrick, one of the Company’s independent managers, $100 invested by R. Scott Summers, a son of one of the Company’s independent managers, and a $100 investment by David and Carole Wallach, the parents of Daniel M. Wallach, the Company’s Chief Executive Officer and Chairman of the Board of Managers. Mr. Myrick is entitled to receive interest on his Notes at the weighted average rate of 7.47% per annum, R. Scott Summers is entitled to receive interest on his Notes at the weighted average rate of 7.56% per annum and Drs. Wallach are entitled to receive interest on their Note at a rate of 7.00% per annum.  For the three months ended March 31, 2014 and the year ended December 31, 2013, Mr. Myrick had earned $2 and $1 respectively, R. Scott Summers had earned $1 and $0 respectively, and Drs. Wallach had earned $2 and $4, respectively, in interest on their Notes.
XML 36 R11.htm IDEA: XBRL DOCUMENT v2.4.0.8
6. Members' Capital
 3 Months Ended
Mar. 31, 2014
Members Capital Tables  
6. Members' Capital

There is currently one class of units (class A common units) with two members, both of whom have no personal liability. All members have voting rights in proportion to their capital account. There were 2,629 class A common units outstanding at March 31, 2014. There are two additional authorized unit classes: class A preferred units and class B profit units. Once class B profit units are issued, the existing class A common units will become class A preferred units. Class A preferred units will receive preferred treatment in terms of distributions and liquidation proceeds.

 

The members’ capital balances by class are as follows:

 

Class  March 31,
2014		   December 31,
2013		 
A Common Units  $1,905   $1,904 
           
Members’ Capital  $1,905   $1,904 

 
XML 37 R23.htm IDEA: XBRL DOCUMENT v2.4.0.8
2. Summary of Significant Accounting Policies (Details-Accum amort) (USD $)
In Thousands, unless otherwise specified
 3 Months Ended 12 Months Ended
Mar. 31, 2014
Mar. 31, 2013
Dec. 31, 2013
Accounting Policies [Abstract]      
Accumulated amortization, beginning balance $ 20 $ 2 $ 2
Additions 12 4 18
Accumulated amortization, ending balance $ 32 $ 6 $ 20
XML 38 R19.htm IDEA: XBRL DOCUMENT v2.4.0.8
5. Borrowings (Tables)
 3 Months Ended
Mar. 31, 2014
Debt Disclosure [Abstract]  
Origination of notes
   Three Months Ended
March 31,
2014		   Year Ended
December 31,
2013		   Three Months Ended
March 31,
2013		 
                
Notes outstanding, beginning of period  $1,739   $2   $2 
Notes issued   923    1,737    50 
Note repayments / redemptions   (2)   –    – 
                
Notes outstanding, end of period  $2,660   $1,739   $52 
Maturity of outstanding notes
Year Maturing   Amount Maturing  
2014   $ 429  
2015     94  
2016     8  
2017     726  
2018     1,403  
         
Total   $ 2,660  
XML 39 R15.htm IDEA: XBRL DOCUMENT v2.4.0.8
2. Summary of Significant Accounting Policies (Policies)
 3 Months Ended
Mar. 31, 2014
Accounting Policies [Abstract]  
Segment Reporting We report all ongoing operations in one segment, commercial lending.
Use of Estimates

The preparation of consolidated financial statements in conformity with 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 consolidated financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. It is reasonably possible that market conditions could deteriorate, which could materially affect our consolidated financial position, results of operations and cash flows. Among other effects, such changes could result in the need to increase the amount of our allowance for loan losses.
Revenue Recognition

Interest income generally is recognized on an accrual basis. The accrual of interest is generally discontinued on all loans past due 90 days or more. All interest accrued but not collected for loans that are placed on nonaccrual or charged off is reversed against interest income, unless management believes that the accrued interest is recoverable through liquidation of collateral. Interest received on nonaccrual loans is applied against principal. Interest on accruing impaired loans is recognized as long as such loans do not meet the criteria for nonaccrual status.
Advertising

Advertising costs are expensed as incurred and are included in selling, general, and administrative. Advertising expenses were $0 and $8 for the three months ended March 31, 2014 and 2013, respectively.
Cash and Cash Equivalents

Management considers highly-liquid investments with original maturities of three months or less to be cash equivalents.
Fair Value Measurements

The Company has established a framework for measuring fair value under U.S. GAAP using a hierarchy, which requires the Company to maximize the use of observable inputs and minimize the use of unobservable inputs. Fair value measurements are an exit price, representing the amount that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants. Three levels of inputs are used to measure fair value, as follows:

 

Level 1 – quoted prices in active markets for identical assets or liabilities;

 

Level 2 – quoted prices in active markets for similar assets and liabilities and inputs that are observable for the asset or liability; or

 

Level 3 – unobservable inputs, such as discounted cash flow models or valuations.

 

The determination of where assets and liabilities fall within this hierarchy is based upon the lowest level of input that is significant to the fair value measurement. See Note 3.
Loans Receivable

Loans are stated at the amount of unpaid principal, net of any allowances for loan losses, and adjusted for (1) the net amount of direct costs and nonrefundable loan fees associated with lending, and (2) deposits made by the borrowers used as collateral for a loan and due back to the builder at or prior to loan payoff. The net amount of nonrefundable loan origination fees and direct costs associated with the lending process, including commitment fees, is deferred and accreted to interest income over the lives of the loans using a method that approximates the interest method. The majority of the Company’s loans are secured by real estate in a suburb of Pittsburgh, Pennsylvania. Accordingly, the ultimate collectability of a substantial portion of these loans is susceptible to changes in market conditions in that area.

 

Past due loans are loans contractually past due 30 days or more as to principal or interest payments. A loan is classified as nonaccrual, and the accrual of interest on such loan is discontinued, when the contractual payment of principal or interest becomes 90 days past due. In addition, a loan may be placed on nonaccrual at any other time management has serious doubts about further collectability of principal or interest according to the contractual terms, even though the loan is currently performing. A loan may remain on accrual status if it is in the process of collection or well-secured (i.e. the loan has sufficient collateral value). Loans are restored to accrual status when the obligation is brought current or has performed in accordance with the contractual terms for a reasonable period of time and the ultimate collectability of the total contractual principal and interest is no longer in doubt.

 

A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Impaired loans, or portions thereof, are charged off when deemed uncollectible. Once a loan is 90 days past due, management begins a workout plan with the borrower or commences its foreclosure process on the collateral.
Allowance for Loan Losses

The allowance for loan losses, when determined to be necessary, is maintained at a level believed adequate by management to absorb probable losses inherent in the loan portfolio.

 

For loans to one borrower with committed balances less than 10% of our total committed balances on all loans extended to all customers, we establish a collective reserve for all loans which are not more than 60 days past due at the end of a quarter. This collective reserve takes into account both historical information and a qualitative analysis of housing and other economic factors that may impact our future realized losses. For loans to one borrower with committed balances less than 10% of our total committed balances on all loans extended to all customers, we individually analyze for impairment all loans which are more than 60 days past due at the end of a quarter. For loans to one borrower with committed balances equal to or greater than 10% of our total committed balances on all loans extended to all customers, we individually analyze all loans for impairment. The analysis of loans, if required, includes a comparison of estimated collateral value to the principal amount of the loan. If the value determined is less than the principal amount due (less any builder deposit), then the difference is included in the loan loss. As values change, estimated loan losses may be provided for more or less than the previous period, and some loans may not need a loss provision based on payment history.  For homes which are partially complete, we appraise on an as-is and completed basis, and use the one that more closely aligns with our planned method of disposal for the property.

 

For loans that are individually evaluated for impairment, appraisals have been prepared within the last 13 months. There are also broker’s opinions of value (“BOV”) prepared, if the appraisal is more than six months old. The lower of any BOV prepared in the last six months, or appraisal done in the last 13 months, is used, unless we determine a BOV to be invalid based on the comparable sales used. If we determine a BOV to be invalid, we will use the appraised value. Appraised values are adjusted down for estimated costs associated with asset disposal.
Deferred Financing Costs, Net

We defer certain costs associated with financing activities related to the issuance of debt securities (Deferred financing costs). These costs consist primarily of professional fees incurred related to the transactions. Deferred financing costs are amortized into interest expense over the life of the related debt. We make estimates for the amount of proceeds we anticipate receiving from our Notes offering. We also estimate the average duration of these future investments. If either of these estimates is determined to be incorrect in the future, the rate at which we are amortizing the deferred offering costs as interest expense would be adjusted and could have a material impact on the consolidated financial statements.

 

For the year ended December 31, 2012, our deferred financing costs included private offering costs incurred of $11. These costs were being amortized over the life of that offering, but because no funds were received from the private offering, the private offering was terminated during the third quarter of 2013. Accordingly, the private offering costs were written-off in the third quarter of 2013.

  

The following is a roll forward of deferred financing costs:

 

  

Three Months

Ended
March 31,
2014

   Year Ended
December 31,
2013		  

Three Months

Ended
March 31,
2013

 
                
Deferred financing costs, beginning balance  $669   $598   $598 
Additions   17    82    33 
Write-offs   –    (11)   – 
                
Deferred financing costs, ending balance  $686   $669   $631 
                
Less accumulated amortization   (32)   (20)   (6)
                
Deferred financing costs, net  $654   $649   $625 

 

The following is a roll forward of the accumulated amortization of deferred financing costs:

 

   Three Months
Ended
March 31,
2014		   Year Ended
December 31,
2013		   Three Months
Ended
March 31,
2013		 
             
Accumulated amortization, beginning balance  $20   $2   $2 
Additions  12   18   4 
             
Accumulated amortization, ending balance  $32   $20   $6 

 
Income Taxes

The entities included in the condensed consolidated financial statements are organized as pass-through entities under the Internal Revenue Code. As such, taxes are the responsibility of the members. Other significant taxes for which the Company is liable are recorded on an accrual basis.

 

The Company applies ASC Topic 740, Income Taxes (“ASC 740”). ASC 740 provides guidance for how uncertain tax positions should be recognized, measured, presented and disclosed in the consolidated financial statements and requires the evaluation of tax positions taken or expected to be taken in the course of preparing the Company’s consolidated financial statements to determine whether the tax positions are “more-likely-than-not” to be sustained by the applicable tax authority. Tax positions with respect to income tax at the LLC level not deemed to meet the “more-likely-than-not” threshold would be recorded as a tax benefit or expense in the appropriate period. Management concluded that there are no uncertain tax positions that should be recognized in the consolidated financial statements. With few exceptions, the Company is no longer subject to income tax examinations for years prior to 2010.

 

The Company’s policy is to record interest and penalties related to taxes in interest expense on the consolidated statements of operations. There have been no significant interest or penalties assessed or paid.
Risks and Uncertainties

The Company is subject to many of the risks common to the commercial lending and real estate industries, such as general economic conditions, decreases in home values, decreases in housing starts, and high unemployment. These risks, which could have a material and negative impact on the Company’s consolidated financial condition, results of operations, and cash flows include, but are not limited to, declines in housing starts, unfavorable changes in interest rates, and competition from other lenders. At March 31, 2014, our loans were primarily concentrated in a suburb of Pittsburgh, Pennsylvania, so the housing starts and prices in that area are more significant to our business than other areas until and if more loans are created in other markets.
Conentrations

Financial instruments that potentially subject the Company to concentrations of credit risk consist principally of loans receivable. As of March 31, 2014, 83% of our loan commitments consist of loans to one borrower, and the collateral is in one real estate market.
XML 40 R13.htm IDEA: XBRL DOCUMENT v2.4.0.8
8. Commitments and Contingencies
 3 Months Ended
Mar. 31, 2014
Commitments and Contingencies Disclosure [Abstract]  
8. Commitments and Contingencies

In the normal course of business there may be outstanding commitments to extend credit that are not included in the consolidated financial statements. Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being drawn upon and some of the funding may come from the earlier repayment of the same loan (in the case of revolving lines), the total commitment amounts do not necessarily represent future cash requirements. The financial instruments involve, to varying degrees, elements of credit and interest rate risk in excess of amounts recognized in the consolidated financial statements. The Company evaluates each customer’s creditworthiness on a case-by-case basis. Unfunded commitments to extend credit, which have similar collateral, credit risk and market risk to our outstanding loans, were $2,262 and $1,449 at March 31, 2014 and December 31, 2013, respectively.

 

In September 2013, the Company issued a Letter of Credit for $155 to a sewer authority relating to BMH Loan. A portion of the amount of the Letter of Credit is not included in our commitments to lend throughout the financial statements contained in this report, as any amount drawn would be included in the credit limit of BMH, and, as of March 31, 2014, BMH is under the credit limit.

 

The property securing the BMH Loan is subject to a mortgage in the amount of $1,146, which is held by United Bank and guaranteed by 84 FINANCIAL, L.P. The subordinated mortgage balance is subtracted from the appraised value of the land in the land valuation detail of the Pennsylvania financing receivables at March 31, 2014 and December 31, 2013 in Note 4.

 

The property securing the New IMA Loan and the Existing IMA Loan, as described in Note 4, is subject to a mortgage in the amount of $1,290, which is held by an unrelated third party. In connection with the closing of the New IMA Loan and the Existing IMA Loan, the holder of this mortgage entered into an agreement to amend, restate and further subordinate such mortgage. This subordination agreement also provides that, in the event of a foreclosure on and liquidation of the property securing the New IMA Loan and the Existing IMA Loan, we are entitled to receive liquidation proceeds up to $2,225, which excludes the collateral securing the BMH Loan, at which point the holder of this mortgage is entitled to receive liquidation proceeds up to the amount necessary to satisfy its outstanding mortgage, and we are then entitled to any remainder of the liquidation proceeds. The subordinated mortgage balance is subtracted from the appraised value of the finished lots in the lot valuation in Note 4.
XML 41 R14.htm IDEA: XBRL DOCUMENT v2.4.0.8
9. Subsequent Events
 3 Months Ended
Mar. 31, 2014
Subsequent Events [Abstract]  
9. Subsequent Events

Management of the Company has evaluated subsequent events through May 1, 2014, the date these interim condensed consolidated financial statements were issued.

 

Under the Notes offering, the Company issued an additional $580 subsequent to March 31, 2014. The total debt issued and outstanding pursuant to the Notes offering as of May 1, 2014 is $3,196. Of the $3,196, $496 is from managers, members, and their respective affiliates.

 

On April 17, 2014, the Company closed on a loan with a customer in Louisiana for the construction of a home. The loan is a demand loan in the amount of $420 with $213 outstanding as of May 1, 2014, net of the builder deposit, interest escrow, and unearned loan fee. The loan has a builder deposit of 6% of the loan amount, a loan fee of 5%, and an interest rate of our cost of funds plus 2%.

 

On April 30, 2014, the Company closed on a loan with a customer in South Carolina for the construction of a home. The loan is a demand loan in the amount of $350 with $117 outstanding at May 1, 2014, net of the builder deposit and unearned loan fee. The loan has a loan fee of 5%, and an interest rate of our cost of funds plus 2%.

 

On May 1, 2014, the Board of Managers, upon recommendation by the Chief Executive Officer, authorized cash distributions to the Company’s members of 68% of net income for the first quarter of 2014 totaling $11, which will be distributable to the members ratably based on each member’s respective membership interest.
XML 42 R16.htm IDEA: XBRL DOCUMENT v2.4.0.8
2. Summary of Significant Accounting Policies (Tables)
 3 Months Ended
Mar. 31, 2014
Accounting Policies [Abstract]  
Roll forward of deferred financing cost
  

Three Months

Ended
March 31,
2014

   Year Ended
December 31,
2013		  

Three Months

Ended
March 31,
2013

 
                
Deferred financing costs, beginning balance  $669   $598   $598 
Additions   17    82    33 
Write-offs   –    (11)   – 
                
Deferred financing costs, ending balance  $686   $669   $631 
                
Less accumulated amortization   (32)   (20)   (6)
                
Deferred financing costs, net  $654   $649   $625 
Accumulated amortization of deferred financing costs
   Three Months
Ended
March 31,
2014		   Year Ended
December 31,
2013		   Three Months
Ended
March 31,
2013		 
             
Accumulated amortization, beginning balance  $20   $2   $2 
Additions  12   18   4 
             
Accumulated amortization, ending balance  $32   $20   $6 
XML 43 R34.htm IDEA: XBRL DOCUMENT v2.4.0.8
6. Members' Capital (Details) (USD $)
In Thousands, unless otherwise specified
Mar. 31, 2014
Dec. 31, 2013
A Common Units
    
Members' Capital $ 1,905 $ 1,904
Members Capital
    
Members' Capital $ 1,905 $ 1,904
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1. Description of Business and Basis of Presentation (Details Narratives) (USD $)
In Thousands, unless otherwise specified
 3 Months Ended 12 Months Ended
Mar. 31, 2014
Dec. 31, 2013
Organization, Consolidation and Presentation of Financial Statements [Abstract]    
Proceeds from notes payable $ 2,660 $ 1,739
Total debt outstanding 4,160 3,239
Obligations 2,262 1,449
Line of credit available $ 1,500 $ 1,500
XML 45 R26.htm IDEA: XBRL DOCUMENT v2.4.0.8
4. Financing Receivables (Details-Financing receivables) (USD $)
In Thousands, unless otherwise specified
Mar. 31, 2014
Dec. 31, 2013
Mar. 31, 2013
Dec. 31, 2012
Receivables [Abstract]        
Commercial loans, gross $ 5,858 $ 4,652    
Less: Deferred loan fees (583) (571)    
Less: Deposits (105) (36)    
Less: Allowance for loan losses (1) 0    
Loans receivable, net $ 5,169 $ 4,045 $ 3,542 $ 3,604
XML 46 R5.htm IDEA: XBRL DOCUMENT v2.4.0.8
Interim Condensed Consolidated Statements of Cash Flows (Unaudited) (USD $)
In Thousands, unless otherwise specified
 3 Months Ended
Mar. 31, 2014
Mar. 31, 2013
Cash flows from operations    
Net income (loss) $ 17 $ (41)
Adjustments to reconcile net income (loss) to net cash provided by (used in) operating activities    
Amortization of deferred financing costs 12 4
Net loan origination fees deferred (earned) 13 (49)
Net change in operating assets and liabilities    
Other operating assets (8) 3
Accrued interest on loans (11) 0
Customer interest escrow (8) (45)
Accounts payable and accrued expenses 24 13
Net cash provided by (used in) operating activities 39 (115)
Cash flows from investing activities    
Loan originations and principal collections, net (1,138) 111
Net cash provided by (used in) investing activities (1,138) 111
Cash flows from financing activities    
Distributions to members (16) (22)
Proceeds from (repayments of) related party notes 0 (629)
Proceeds from (repayments of) unsecured notes 921 50
Payments of deferred financing costs (17) (33)
Net cash provided by (used in) financing activities 888 (634)
Net increase (decrease) in cash and cash equivalents (211) (638)
Cash and cash equivalents    
Beginning of period 722 646
End of period 511 8
Supplemental disclosure of cash flow information    
Cash paid for interest $ 9 $ 6
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5. Borrowings
 3 Months Ended
Mar. 31, 2014
Debt Disclosure [Abstract]  
5. Borrowings

Affiliate Loans

 

In December 2011, the Company entered into two secured revolving lines of credit with affiliates, both of whom are members. These loans have an interest rate of the affiliates’ cost of funds, which was 3.80% and 3.71% as of March 31, 2014 and December 31, 2013, respectively. They are demand notes. The maximum that can be borrowed under these notes is $1,500, at the discretion of the lenders. The actual amount borrowed was $0 as of both March 31, 2014 and December 31, 2013, leaving $1,500 in available credit on those dates. There is no obligation of the affiliates to lend money up to the note amount. The security for the lines of credit includes all of the assets of the Company. The weighted average balance of affiliate borrowings outstanding was $0 and $464 for the three months ended March 31, 2014 and 2013, respectively, and the interest expense was $0 and $4 for the same periods, respectively.

 

SF Loan

 

The SF Loan, under which we are the borrower, is an unsecured loan in the original principal amount of $1,500, of which $1,500 was outstanding on both March 31, 2014 and December 31, 2013. Interest on the SF Loan accrues annually at a rate of 5.0%. Payments of interest only are due on a monthly basis, with the principal amount due on the date that the BMH Loan and the New IMA Loan are paid in full. We may prepay the SF Loan in part or in full at any time without penalty, subject to the terms and conditions set forth in the underlying promissory note. Pursuant to the Credit Agreement, payments on the SF Loan are used to fund the interest escrow. Further, pursuant to that certain Amended and Restated Commercial Pledge Agreement by and between us, IMA and BMH, IMA has pledged its interest in the SF Loan as collateral for IMA’s obligations under the New IMA Loan and the Existing IMA Loan. Management’s intentions related to offsetting our payments of principal or interest against amounts due to us from the lender are undetermined; therefore, this amount has been presented on a gross basis on the consolidated balance sheets at March 31, 2014 and December 31, 2013.

  

Notes Program

 

Borrowings through our public offering were $2,660 and $1,739 at March 31, 2014 and December 31, 2013, respectively. The effective interest rate on the borrowings at March 31, 2014 and December 31, 2013 was 7.08% and 6.72%, respectively, not including the amortization of deferred financing costs. There are limited rights of early redemption. The following table shows the origination of our Notes program:

 

   Three Months Ended
March 31,
2014		   Year Ended
December 31,
2013		   Three Months Ended
March 31,
2013		 
                
Notes outstanding, beginning of period  $1,739   $2   $2 
Notes issued   923    1,737    50 
Note repayments / redemptions   (2)   –    – 
                
Notes outstanding, end of period  $2,660   $1,739   $52 

 

The following table shows the maturity of outstanding Notes as of March 31, 2014.

 

Year Maturing   Amount Maturing  
2014   $ 429  
2015     94  
2016     8  
2017     726  
2018     1,403  
         
Total   $ 2,660  

 
XML 48 R27.htm IDEA: XBRL DOCUMENT v2.4.0.8
4. Financing Receivables (Details-Roll forward of commercial loans) (USD $)
In Thousands, unless otherwise specified
 3 Months Ended 12 Months Ended
Mar. 31, 2014
Mar. 31, 2013
Dec. 31, 2013
Receivables [Abstract]      
Beginning balance $ 4,045 $ 3,604 $ 3,604
Additions 1,669 278 3,331
Payoffs/Sales (463) (389) (2,992)
Change in builder deposit (68) 0 (36)
Change in loan loss provision (1) 0 0
New loan fees (104) 0 (121)
Earned loan fees 91 49 259
Ending balance $ 5,169 $ 3,542 $ 4,045
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    6. Members' Capital (Tables)
    		 3 Months Ended
    Mar. 31, 2014
    Members Capital Tables  
    Members' Capital
    Class  March 31,
    2014    		   December 31,
    2013    		 
    A Common Units  $1,905   $1,904 
               
    Members’ Capital  $1,905   $1,904