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Bank Loans (Tables)
9 Months Ended
Sep. 30, 2013
Bank Loans [Abstract]  
Schedule Of Balance And Associated Percentage Of Each Major Loan Category In Loan Portfolio

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

September 30, 2013

 

 

December 31, 2012

 

 

Balance

 

Percent

 

 

Balance

 

Percent

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consumer (1)

$

489,867 

 

 

45.5 

%

 

$

425,382 

 

 

51.6 

%

Commercial and industrial

 

481,336 

 

 

44.7 

 

 

 

300,034 

 

 

36.4 

 

Residential real estate

 

75,233 

 

 

7.0 

 

 

 

65,657 

 

 

8.0 

 

Home equity lines of credit

 

16,856 

 

 

1.6 

 

 

 

19,531 

 

 

2.4 

 

Commercial real estate

 

12,516 

 

 

1.2 

 

 

 

12,805 

 

 

1.5 

 

Construction and land

 

490 

 

 

0.0 

 

 

 

510 

 

 

0.1 

 

 

 

1,076,298 

 

 

100.0 

%

 

 

823,919 

 

 

100.0 

%

Unamortized loan fees, net of origination costs

 

(1,752)

 

 

 

 

 

 

(1,207)

 

 

 

 

Loans in process

 

(163)

 

 

 

 

 

 

1,370 

 

 

 

 

Allowance for loan losses

 

(13,233)

 

 

 

 

 

 

(8,145)

 

 

 

 

 

$

1,061,150 

 

 

 

 

 

$

815,937 

 

 

 

 

(1)

Includes securities-based loans of $489.8 million and $425.3 million at September 30, 2013 and December 31, 2012, respectively.

Changes In The Allowance For Loan Losses For The Periods Presented

 

 

 

 

 

 

 

 

 

 

 

 

 

Three Months Ended September 30,

 

Nine Months Ended September 30,

 

2013

 

2012

 

2013

 

2012

 

 

 

 

 

 

 

 

 

 

 

 

Allowance for loan losses, beginning of period

$

10,919 

 

$

6,292 

 

$

8,145 

 

$

5,300 

Provision for loan losses

 

2,297 

 

 

161 

 

 

5,537 

 

 

1,300 

Charge-offs:

 

 

 

 

 

 

 

 

 

 

 

Residential real estate

 

 -

 

 

(59)

 

 

(501)

 

 

(254)

Recoveries

 

17 

 

 

 -

 

 

52 

 

 

48 

Allowance for loan losses, end of period

$

13,233 

 

$

6,394 

 

$

13,233 

 

$

6,394 

 

Schedule Of The Allowances For Loan Losses By Type

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

September 30, 2013

 

 

December 31, 2012

 

 

Balance

 

Percent (1)

 

 

Balance

 

Percent (1)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

$

10,344 

 

 

44.7 

%

 

$

5,450 

 

 

36.4 

%

Consumer

 

735 

 

 

45.5 

 

 

 

647 

 

 

51.6 

 

Residential real estate

 

578 

 

 

7.0 

 

 

 

408 

 

 

8.0 

 

Commercial real estate

 

202 

 

 

1.2 

 

 

 

691 

 

 

1.5 

 

Home equity lines of credit

 

159 

 

 

1.6 

 

 

 

195 

 

 

2.4 

 

Construction and land

 

12 

 

 

0.0 

 

 

 

13 

 

 

0.1 

 

Qualitative

 

1,203 

 

 

 -

 

 

 

741 

 

 

 -

 

 

$

13,233 

 

 

100.0 

%

 

$

8,145 

 

 

100.0 

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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