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Bank Loans (Tables)
6 Months Ended
Jun. 30, 2012
Bank Loans [Abstract]  
Schedule Of Balance And Associated Percentage Of Each Major Loan Category In Loan Portfolio

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

June 30, 2012

 

 

December 31, 2011

 

 

Balance

 

Percent

 

 

Balance

 

Percent

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consumer (1)

$

 398,790

 

 

 55.7

%

 

$

 371,399

 

 

 58.2

%

Commercial and industrial

 

 243,214

 

 

 34.0

 

 

 

 186,996

 

 

 29.3

 

Residential real estate

 

 48,696

 

 

 6.8

 

 

 

 51,755

 

 

 8.1

 

Home equity lines of credit

 

 22,151

 

 

 3.1

 

 

 

 24,086

 

 

 3.8

 

Commercial real estate

 

 2,912

 

 

 0.4

 

 

 

 3,107

 

 

 0.5

 

Construction and land

 

 514

 

 

 0.1

 

 

 

 514

 

 

 0.1

 

 

 

 716,277

 

 

100.0

%

 

 

 637,857

 

 

100.0

%

Unamortized loan fees, net of origination costs

 

 (907)

 

 

 

 

 

 

 (421)

 

 

 

 

Loans in process

 

 (199)

 

 

 

 

 

 

 4

 

 

 

 

Allowance for loan losses

 

 (6,292)

 

 

 

 

 

 

 (5,300)

 

 

 

 

 

$

 708,879

 

 

 

 

 

$

 632,140

 

 

 

 

 

(1)  Includes securities-based loans of $398.7 million and $371.1 million at June 30, 2012 and December 31, 2011, respectively.

Changes In The Allowance For Loan Losses For The Periods Presented

 

 

 

 

 

 

 

 

 

 

 

 

 

Three Months Ended June 30,

 

Six Months Ended June 30,

 

2012

 

2011

 

2012

 

2011

 

 

 

 

 

 

 

 

 

 

 

 

Allowance for loan losses, beginning of period

$

 5,781

 

$

 2,521

 

$

 5,300

 

$

 2,331

Provision for loan losses

 

 596

 

 

 721

 

 

 1,139

 

 

 906

Charge-offs:

 

 

 

 

 

 

 

 

 

 

 

Residential real estate

 

 (86)

 

 

 -

 

 

 (195)

 

 

 -

Construction and land

 

 -

 

 

 -

 

 

 -

 

 

 -

Commercial real estate

 

 -

 

 

 -

 

 

 -

 

 

 -

Other

 

 -

 

 

 -

 

 

 -

 

 

 -

Total charge-offs

 

 (86)

 

 

 -

 

 

 (195)

 

 

 -

Recoveries

 

 1

 

 

 9

 

 

 48

 

 

 14

Allowance for loan losses, end of period

$

 6,292

 

$

 3,251

 

$

 6,292

 

$

 3,251

Schedule Of The Allowances For Loan Losses By Type

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

June 30, 2012

 

 

December 31, 2011

 

 

Balance

 

Percent (1)

 

 

Balance

 

Percent (1)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

$

 3,370

 

 

34.0

%

 

$

 2,595

 

 

29.3

%

Consumer

 

 806

 

 

55.7

 

 

 

 510

 

 

58.2

 

Commercial real estate

 

 560

 

 

0.3

 

 

 

 633

 

 

0.5

 

Residential real estate

 

 507

 

 

6.8

 

 

 

 679

 

 

8.1

 

Unallocated

 

 1,049

 

 

3.2

 

 

 

 883

 

 

3.9

 

 

$

 6,292

 

 

100.0

%

 

$

 5,300

 

 

100.0

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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