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SEGMENT REPORTING | 12 Months Ended
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Dec. 31, 2012
Segment Reporting [Abstract] |
Segment Reporting Disclosure [Text Block] | NOTE 25. SEGMENT REPORTING The Company operates two primary business segments: Community Banking and Insurance Products and Services. The Community Banking business provides services to consumers and small businesses on the Eastern Shore of Maryland and in Delaware through its 18-branch network. Community banking activities include small business services, retail brokerage, trust services and consumer banking products and services. Loan products available to consumers include mortgage, home equity, automobile, marine, and installment loans, credit cards and other secured and unsecured personal lines of credit. Small business lending includes commercial mortgages, real estate development loans, equipment and operating loans, as well as secured and unsecured lines of credit, credit cards, accounts receivable financing arrangements, and merchant card services. Through the Insurance Products and Services business, the Company provides a full range of insurance products and services to businesses and consumers in the Company’s market areas. Products include property and casualty, life, marine, individual health and long-term care insurance. Pension and profit sharing plans and retirement plans for executives and employees are available to suit the needs of individual businesses. During the third quarter of 2012, goodwill and other intangible assets were subjected to an annual assessment for impairment. As a result of the assessment, the Company determined that there was no impairment at the Company’s subsidiaries that have these intangible assets on their balance sheets. During the third quarter of 2011, when goodwill and other intangible assets were assessed for impairment, it was determined that goodwill and other intangible assets were impaired in our Insurance Products and Services segment, primarily relating to the Company’s retail insurance business. The Company recorded goodwill impairment charges of $1.2 million and other intangible assets impairment charges of $120 thousand reflected in the table below in noninterest expense. During the third quarter of 2010, it was determined that goodwill and other intangible assets were impaired in the Company’s Community Banking segment at one of the Banks, and in the Insurance Products and Services segment, specifically relating to the Company’s wholesale insurance business. The Company recorded goodwill impairment charges of $1.5 million in both segments, and other intangible assets impairment charges of $51 thousand in the Insurance Products and Services segment. Selected financial information by business segments is included in the following table.
|  | Community |  |  | Insurance Products |  |  | Parent |  |  |  |
(Dollars in thousands) |  | Banking |  |  | and Services |  |  | Company |  |  | Total |
2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Interest income |  | $ | 45,822 |  |  | $ | 79 |  |  | $ | - |  |  | $ | 45,901 |
Interest expense |  |  | (10,546 | ) |  |  | - |  |  |  | (16) |  |  |  | (10,562 | )
Provision for credit losses |  |  | (27,745 | ) |  |  | - |  |  |  | - |  |  |  | (27,745 | )
Noninterest income |  |  | 5,197 |  |  |  | 10,422 |  |  |  | 139 |  |  |  | 15,758 |
Noninterest expense |  |  | (23,702 | ) |  |  | (9,820 | ) |  |  | (6,033 | ) |  |  | (39,555 | )
Net intersegment (expense) income |  |  | (4,993 | ) |  |  | (503 | ) |  |  | 5,496 |  |  |  | - |
(Loss) income before income taxes |  |  | (15,967 | ) |  |  | 178 |  |  |  | (414 | ) |  |  | (16,203 | )
Income tax benefit (expense) |  |  | 6,467 |  |  |  | (70 | ) |  |  | 168 |  |  |  | 6,565 |
Net (loss) income |  | $ | (9,500 | ) |  | $ | 108 |  |  | $ | (246 | ) |  | $ | (9,638 | )
Total assets |  | $ | 1,166,468 |  |  | $ | 16,809 |  |  | $ | 2,530 |  |  | $ | 1,185,807 |
2011 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Interest income |  | $ | 50,721 |  |  | $ | 131 |  |  | $ | - |  |  | $ | 50,852 |
Interest expense |  |  | (11,051 | ) |  |  | - |  |  |  | (37 | ) |  |  | (11,088 | )
Provision for credit losses |  |  | (19,470 | ) |  |  | - |  |  |  | - |  |  |  | (19,470 | )
Noninterest income |  |  | 7,269 |  |  |  | 9,881 |  |  |  | 168 |  |  |  | 17,318 |
Noninterest expense |  |  | (22,738 | ) |  |  | (10,766 | ) |  |  | (5,663 | ) |  |  | (39,167 | )
Net intersegment (expense) income |  |  | (5,148 | ) |  |  | (455 | ) |  |  | 5,603 |  |  |  | - |
(Loss) income before income taxes |  |  | (417 | ) |  |  | (1,209 | ) |  |  | 71 |  |  |  | (1,555 | )
Income tax benefit (expense) |  |  | 176 |  |  |  | 512 |  |  |  | (30 | ) |  |  | 658 |
Net (loss) income |  | $ | (241 | ) |  | $ | (697 | ) |  | $ | 41 |  |  | $ | (897 | )
Total assets |  | $ | 1,138,576 |  |  | $ | 17,354 |  |  | $ | 2,263 |  |  | $ | 1,158,193 |
2010 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Interest income |  | $ | 55,293 |  |  | $ | 168 |  |  | $ | - |  |  | $ | 55,461 |
Interest expense |  |  | (12,752 | ) |  |  | - |  |  |  | (70 | ) |  |  | (12,822 | )
Provision for credit losses |  |  | (21,119 | ) |  |  | - |  |  |  | - |  |  |  | (21,119 | )
Noninterest income |  |  | 7,308 |  |  |  | 10,739 |  |  |  | (6) |  |  |  | 18,041 |
Noninterest expense |  |  | (24,328 | ) |  |  | (11,410 | ) |  |  | (5,982 | ) |  |  | (41,720 | )
Net intersegment (expense) income |  |  | (5,418 | ) |  |  | (521 | ) |  |  | 5,939 |  |  |  | - |
Loss before income tax benefit |  |  | (1,016 | ) |  |  | (1,024 | ) |  |  | (119 | ) |  |  | (2,159 | )
Income tax benefit |  |  | 232 |  |  |  | 233 |  |  |  | 27 |  |  |  | 492 |
Net loss |  | $ | (784 | ) |  | $ | (791 | ) |  | $ | (92 | ) |  | $ | (1,667 | )
Total assets |  | $ | 1,108,712 |  |  | $ | 18,759 |  |  | $ | 2,840 |  |  | $ | 1,130,311 |

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- Definition The entire disclosure for reporting segments including data and tables. Reportable segments include those that meet any of the following quantitative thresholds a) it's reported revenue, including sales to external customers and intersegment sales or transfers is 10 percent or more of the combined revenue, internal and external, of all operating segments b) the absolute amount of its reported profit or loss is 10 percent or more of the greater, in absolute amount of 1) the combined reported profit of all operating segments that did not report a loss or 2) the combined reported loss of all operating segments that did report a loss c) its assets are 10 percent or more of the combined assets of all operating segments. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 29 -URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e8864-108599 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 30 -URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e8906-108599 Reference 3: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 32 -URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e8933-108599 Reference 4: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 35 -URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e8984-108599 Reference 5: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 1 -URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e8380-108599 Reference 6: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 10 -URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e8538-108599 Reference 7: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 42 -URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e9054-108599 Reference 8: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 12 -URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e8595-108599 Reference 9: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Statement of Financial Accounting Standard (FAS) -Number 131 -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy. Reference 10: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 34 -URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e8981-108599 Reference 11: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 33 -URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e8971-108599 Reference 12: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 26 -URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e8844-108599 Reference 13: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 31 -URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e8924-108599 Reference 14: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 40 -URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e9031-108599 Reference 15: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 41 -URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e9038-108599 + Details
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