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CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)
In Thousands, unless otherwise specified
12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Cash flows from operating activities:      
Net income (loss) $ 2,067 $ (2,179) $ 3,647
Adjustments to reconcile net income (loss) to net cash provided by (used in) operating activities:      
Impairment losses 135 341 887
Net losses (gains) on sales of real estate 16 19 (532)
Deferred income taxes 155 (218) (369)
Provision for loan losses, net 1,237 1,934 460
Allowance for accounts receivable 29 170  
Unrealized premium adjustment 1,071 1,431 1,441
Amortization and accretion, net (360) (153) (135)
Share-based compensation 49 138 178
Capitalized loan origination costs (264) (348) (260)
Loans funded, held for sale (24,722) (26,125) (26,350)
Proceeds from sale of guaranteed loans 23,687 18,473 15,774
Principal collected on loans 2,049 740 1,812
Loan fees remitted, net (62) (73) (81)
Change in operating assets and liabilities:      
Borrower advances (2,364) 2,079 401
Accounts payable and accrued expenses (1,012) 1,982 (639)
Other assets (284) 14 (296)
Net cash provided by (used in) operating activities 1,427 (1,775) (4,062)
Cash flows from investing activities:      
Loans funded (31,409) (28,036) (12,002)
Principal collected on loans receivable 26,512 27,822 19,661
Principal collected on retained interests in transferred assets 88 107 132
Purchase of furniture, fixtures, and equipment (10) (33) (31)
Proceeds from sales of real estate owned, net 1,736 716 415
Proceeds from unconsolidated subsidiary     1,373
Release of restricted cash and cash equivalents, net   2,233 3,553
Net cash provided by (used in) investing activities (3,083) 2,809 13,101
Cash flows from financing activities:      
Proceeds from (repayment of) revolving credit facility, net 2,500 (5,900) 4,000
Proceeds from issuance of SBIC debentures 14,500 4,000 5,000
Payment of principal on SBIC debentures and structured notes payable (4,190) (5,265) (16,893)
Proceeds from secured borrowings-government guaranteed loans 3,293 8,498 11,639
Payment of principal on secured borrowings-government guaranteed loans (2,049) (740) (1,812)
Payment of borrowing costs (402) (147) (326)
Payment of dividends (5,245) (6,752) (6,787)
Net cash provided by (used in) financing activities 8,407 (6,306) (5,179)
Net increase (decrease) in cash and cash equivalents 6,751 (5,272) 3,860
Cash and cash equivalents, beginning of year 1,230 6,502 2,642
Cash and cash equivalents, end of year $ 7,981 $ 1,230 $ 6,502