Bank Loans and Related Allowance for Loan Losses (Tables)

12 Months Ended

Dec. 31, 2015

Bank Loans and Related Allowance for Loan Losses [Abstract]

Composition of Bank Loans and Delinquency Analysis by Loan Segment

									>90 days past			Total past due					Allowance		Total
			30-59 days			60-89 days			due and other			and other			Total		for loan		bank
December 31, 2015	Current		past due			past due			nonaccrual loans			nonaccrual loans			loans		losses		loans - net
Residential real estate mortgages	$	8,304		$	11		$	1		$	18		$	30	$	8,334	$	20	$	8,314
Home equity loans and lines of credit		2,720			4			1			10			15		2,735		11		2,724
Pledged asset lines		3,228			3			1			-			4		3,232		-		3,232
Other		64			-			-			-			-		64		-		64
Total bank loans	$	14,316		$	18		$	3		$	28		$	49	$	14,365	$	31	$	14,334
December 31, 2014
Residential real estate mortgages	$	8,092		$	9		$	2		$	24		$	35	$	8,127	$	29	$	8,098
Home equity loans and lines of credit		2,942			1			1			11			13		2,955		13		2,942
Pledged asset lines		2,320			-			-			-			-		2,320		-		2,320
Other		38			1			-			-			1		39		-		39
Total bank loans	$	13,392		$	11		$	3		$	35		$	49	$	13,441	$	42	$	13,399

Changes in Allowance for Loan Losses

	December 31, 2015								December 31, 2014								December 31, 2013
	Residential			Home equity					Residential			Home equity					Residential			Home equity
	real estate			loans and					real estate			loans and					real estate			loans and
	mortgages			lines of credit			Total		mortgages			lines of credit			Total		mortgages			lines of credit			Total
Balance at beginning of year		$	29		$	13	$	42		$	34		$	14	$	48		$	36		$	20	$	56
Charge-offs			(1)			(2)		(3)			(3)			(2)		(5)			(5)			(6)		(11)
Recoveries			1			2		3			2			1		3			2			2		4
Provision for loan losses			(9)			(2)		(11)			(4)			-		(4)			1			(2)		(1)
Balance at end of year		$	20		$	11	$	31		$	29		$	13	$	42		$	34		$	14	$	48

Credit Quality of Residential Real Estate Mortgages and HELOCs by Reviewing FICO Scores at Origination, Current FICO Scores, Loan-To-Value Ratio

			Weighted				Percent of Loans
			Average		Utilization		that are on
December 31, 2015	Balance		Updated FICO		Rate (1)		Nonaccrual Status
Residential real estate mortgages:
Estimated Current LTV
<70%	$	7,508		774	N/A		0.03	%
>70% – <90%		759		764	N/A		0.31	%
>90% – <100%		37		736	N/A		5.54	%
>100%		30		713	N/A		7.72	%
Total	$	8,334		773	N/A		0.11	%
Home equity loans and lines of credit:
Estimated Current LTV
<70%	$	2,277		772	37	%	0.09	%
>70% – <90%		373		760	50	%	0.48	%
>90% – <100%		48		748	63	%	1.02	%
>100%		37		739	67	%	1.79	%
Total	$	2,735		770	39	%	0.18	%
Pledged asset lines:
Weighted Average LTV
=70%	$	3,232		764	49	%	-

(1) The Utilization Rate is calculated using the outstanding balance divided by the associated total line of credit.

N/A Not applicable.

	Residential		Home equity
	real estate		loans and
December 31, 2015	mortgages		lines of credit
Year of origination
Pre-2011	$	882	$	1,934
2011		424		114
2012		1,644		125
2013		2,450		232
2014		1,021		188
2015		1,913		142
Total	$	8,334	$	2,735
Origination FICO
<620	$	10	$	-
620 – 679		88		16
680 – 739		1,381		498
>740		6,855		2,221
Total	$	8,334	$	2,735
Origination LTV
<70%	$	5,913	$	1,858
>70% – <90%		2,408		860
>90% – <100%		13		17
Total	$	8,334	$	2,735

			Weighted				Percent of Loans
			Average		Utilization		that are on
December 31, 2014	Balance		Updated FICO		Rate (1)		Nonaccrual Status
Residential real estate mortgages:
Estimated Current LTV
<70%	$	7,131		774	N/A		0.04	%
>70% – <90%		882		765	N/A		0.50	%
>90% – <100%		61		740	N/A		2.95	%
>100%		53		726	N/A		10.95	%
Total	$	8,127		773	N/A		0.18	%
Home equity loans and lines of credit:
Estimated Current LTV
<70%	$	2,282		773	36	%	0.08	%
>70% – <90%		526		762	48	%	0.34	%
>90% – <100%		81		749	61	%	1.67	%
>100%		66		742	63	%	1.54	%
Total	$	2,955		769	39	%	0.20	%
Pledged asset lines:
Weighted Average LTV
=70%	$	2,320		764	50	%	-

(1) The Utilization Rate is calculated using the outstanding balance divided by the associated total line of credit.

N/A Not applicable.

	Residential		Home equity
	real estate		loans and
December 31, 2014	mortgages		lines of credit
Year of origination
Pre-2011	$	1,119	$	2,244
2011		588		137
2012		2,107		147
2013		3,047		250
2014		1,266		177
Total	$	8,127	$	2,955
Origination FICO
<620	$	10	$	-
620 – 679		97		18
680 – 739		1,366		549
>740		6,654		2,388
Total	$	8,127	$	2,955
Origination LTV
<70%	$	5,572	$	1,979
>70% – <90%		2,538		955
>90% – <100%		17		21
Total	$	8,127	$	2,955