XML 74 R20.htm IDEA: XBRL DOCUMENT
v2.4.0.6

Segment Reporting | 3 Months Ended
--- | ---
Mar. 31, 2013
Segment Reporting [Abstract] |
Segment Reporting Disclosure [Text Block] | Note 12 – Segment Reporting The Company operates two primary business segments: Community Banking and Insurance Products and Services. Through the Community Banking business, the Company provides services to consumers and small businesses on the Eastern Shore of Maryland and 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. The following table includes selected financial information by business segments for the first three months of 2013 and 2012.
|  | Community |  |  | Insurance Products |  |  | Parent |  |  | Consolidated |
(Dollars in thousands) |  | Banking |  |  | and Services |  |  | Company |  |  | Total |
2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Interest income |  | $ | 10,588 |  |  | $ | 19 |  |  | $ | - |  |  | $ | 10,607 |
Interest expense |  |  | (2,130 | ) |  |  | - |  |  |  | - |  |  |  | (2,130 | )
Provision for credit losses |  |  | (2,150 | ) |  |  | - |  |  |  | - |  |  |  | (2,150 | )
Noninterest income |  |  | 1,492 |  |  |  | 3,007 |  |  |  | (9 | ) |  |  | 4,490 |
Noninterest expense |  |  | (6,233 | ) |  |  | (2,513 | ) |  |  | (1,745 | ) |  |  | (10,491 | )
Net intersegment (expense) income |  |  | (1,304 | ) |  |  | (174 | ) |  |  | 1,478 |  |  |  | - |
Income (loss) before taxes |  |  | 263 |  |  |  | 339 |  |  |  | (276 | ) |  |  | 326 |
Income tax (expense) benefit |  |  | (84 | ) |  |  | (108 | ) |  |  | 88 |  |  |  | (104 | )
Net income (loss) |  | $ | 179 |  |  | $ | 231 |  |  | $ | (188 | ) |  | $ | 222 |
Total assets |  | $ | 1,085,625 |  |  | $ | 16,489 |  |  | $ | 2,497 |  |  | $ | 1,104,611 |
2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Interest income |  | $ | 11,834 |  |  | $ | 22 |  |  | $ | - |  |  | $ | 11,856 |
Interest expense |  |  | (2,656 | ) |  |  | - |  |  |  | (5 | ) |  |  | (2,661 | )
Provision for credit losses |  |  | (8,370 | ) |  |  | - |  |  |  | - |  |  |  | (8,370 | )
Noninterest income |  |  | 1,728 |  |  |  | 2,840 |  |  |  | 6 |  |  |  | 4,574 |
Noninterest expense |  |  | (6,357 | ) |  |  | (2,535 | ) |  |  | (1,606 | ) |  |  | (10,498 | )
Net intersegment (expense) income |  |  | (1,399 | ) |  |  | (138 | ) |  |  | 1,537 |  |  |  | - |
(Loss) income before taxes |  |  | (5,220 | ) |  |  | 189 |  |  |  | (68 | ) |  |  | (5,099 | )
Income tax benefit (expense) |  |  | 2,114 |  |  |  | (79 | ) |  |  | 28 |  |  |  | 2,063 |
Net (loss) income |  | $ | (3,106 | ) |  | $ | 110 |  |  | $ | (40 | ) |  | $ | (3,036 | )
Total assets |  | $ | 1,150,516 |  |  | $ | 17,112 |  |  | $ | 2,093 |  |  | $ | 1,169,721 |

X
- Details
Name: | us-gaap_SegmentReportingAbstract
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- 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
Name: | us-gaap_SegmentReportingDisclosureTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration