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Bank Loans (Tables)
12 Months Ended
Dec. 31, 2012
Bank Loans [Abstract]  
Schedule Of Balance And Associated Percentage Of Each Major Loan Category In Loan Portfolio

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

December 31, 2012

 

 

December 31, 2011

 

 

Balance

 

Percent

 

 

Balance

 

Percent

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consumer (1)

$

425,382 

 

 

51.6 

%

 

$

371,399 

 

 

58.2 

%

Commercial and industrial

 

300,034 

 

 

36.4 

 

 

 

186,996 

 

 

29.3 

 

Residential real estate

 

65,657 

 

 

8.0 

 

 

 

51,755 

 

 

8.1 

 

Home equity lines of credit

 

19,531 

 

 

2.4 

 

 

 

24,086 

 

 

3.8 

 

Commercial real estate

 

12,805 

 

 

1.5 

 

 

 

3,107 

 

 

0.5 

 

Construction and land

 

510 

 

 

0.1 

 

 

 

514 

 

 

0.1 

 

 

 

823,919 

 

 

100.0 

%

 

 

637,857 

 

 

100.0 

%

Unamortized loan fees, net of origination costs

 

(1,207)

 

 

 

 

 

 

(421)

 

 

 

 

Loans in process

 

1,370 

 

 

 

 

 

 

 

 

 

 

Allowance for loan losses

 

(8,145)

 

 

 

 

 

 

(5,300)

 

 

 

 

 

$

815,937 

 

 

 

 

 

$

632,140 

 

 

 

 

 

(1)

Includes securities-based loans of $425.3 million and $371.1 million at December 31, 2012 and 2011, respectively.

Changes In The Allowance For Loan Losses For The Periods Presented

 

 

 

 

 

 

 

 

 

 

Year Ended December 31,

 

2012

 

2011

 

2010

 

 

 

 

 

 

 

 

 

Allowance for loan losses, beginning of period

$

5,300 

 

$

2,331 

 

$

1,702 

Provision for loan losses

 

3,004 

 

 

2925 

 

 

460 

Charge-offs:

 

 

 

 

 

 

 

 

Residential real estate

 

(254)

 

 

(5)

 

 

(216)

Commercial real estate

 

 -

 

 

(5)

 

 

 -

Other

 

 -

 

 

 -

 

 

(2)

Total charge-offs

 

(254)

 

 

(10)

 

 

(218)

Recoveries

 

95 

 

 

54 

 

 

387 

Allowance for loan losses, end of period

$

8,145 

 

$

5,300 

 

$

2,331 

 

Schedule Of The Allowances For Loan Losses By Type

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

December 31, 2012

 

 

December 31, 2011

 

 

Balance

 

Percent (1)

 

 

Balance

 

Percent (1)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

$

5,450 

 

 

36.4 

%

 

$

2,595 

 

 

29.3 

%

Commercial real estate

 

691 

 

 

1.5 

 

 

 

633 

 

 

0.5 

 

Consumer

 

647 

 

 

51.6 

 

 

 

510 

 

 

58.2 

 

Residential real estate

 

408 

 

 

8.0 

 

 

 

679 

 

 

8.1 

 

Home equity lines of credit

 

195 

 

 

2.4 

 

 

 

 -

 

 

 -

 

Construction and land

 

13 

 

 

0.1 

 

 

 

 -

 

 

 -

 

Qualitative

 

741 

 

 

 -

 

 

 

883 

 

 

3.9 

 

 

$

8,145 

 

 

100.0 

%

 

$

5,300 

 

 

100.0 

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(1) Loan category as a percentage of total loan portfolio.