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Industry Segment Information
 12 Months Ended
Dec. 31, 2011
Segment Reporting [Abstract]  
Segment Reporting Disclosure [Text Block]

Note 16
Industry Segment Information

The services provided by the Company are classified into two reportable segments: Information Services and Banking Services. Each of these segments provides distinct services that are marketed through different channels. They are managed separately due to their unique service, processing and capital requirements. The Information Services segment provides transportation, utility, telecommunication and invoice processing and payment services to large corporations. The Banking Services segment provides banking services primarily to privately held businesses and churches.

The Company’s accounting policies for segments are the same as those described in Note 1 of this report. Management evaluates segment performance based on net income after allocations for corporate expenses and income taxes. Transactions between segments are accounted for at what management believes to be fair value.

Substantially all revenue originates from and all long-lived assets are located within the United States and no revenue from any customer of any segment exceeds 10% of the Company’s consolidated revenue. Assets represent actual assets owned by Information Services and there is no allocation methodology used. Loans are sold by Banking Services to Information Services to create liquidity when the Bank’s loan to deposit ratio is greater than 100%. Segment interest from customers is the actual interest earned on the loans owned by Information Services and Banking Services, respectively.

Summarized information about the Company’s operations in each industry segment for the years ended December 31, 2011, 2010 and 2009, is as follows:

Corporate,
Information Banking Eliminations
(In thousands)       Services       Services       and Other       Total
2011
Fee revenue and other income:
              Income from customers $      61,470 $      1,354 $      — $      62,824
              Intersegment income (expense) 10,088 1,859 (11,947 ) —
Net interest income (expense) after provision
       for loan losses:
              Income from customers 21,030 22,681 — 43,711
              Intersegment income (expense) 17 (17 ) — —
Depreciation and amortization 1,874 164 24 2,062
Income taxes 3,028 5,469 — 8,497
Net income 14,716 8,293 — 23,009
Goodwill 7,335 136 — 7,471
Other intangible assets, net 161 — — 161
Total assets $ 698,685 $ 622,996 $ (2,380 ) $ 1,319,301
2010
Fee revenue and other income:
              Income from customers $ 54,732 $ 1,414 $ — $ 56,146
              Intersegment income (expense) 8,939 1,656 (10,595 ) —
Net interest income (expense) after provision
       for loan losses:
              Income from customers 19,381 20,690 — 40,071
              Intersegment income (expense) 23 (23 ) — —
Depreciation and amortization 1,875 242 14 2,131
Income taxes 2,955 4,668 — 7,623
Net income 13,220 7,090 — 20,310
Goodwill 7,335 136 — 7,471
Other intangible assets, net 268 — — 268
Total assets $ 612,981 $ 580,948 $ (5,894 ) $ 1,188,035
2009
Fee revenue and other income:
              Income from customers $ 49,913 $ 1,325 $ — $ 51,238
              Intersegment income (expense) 6,964 1,632 (8,596 ) —
Net interest income (expense) after provision
       for loan losses:
              Income from customers 19,220 17,461 — 36,681
              Intersegment income (expense) 94 (94 ) — —
Depreciation and amortization 2,147 305 13 2,465
Income taxes 2,158 3,247 — 5,405
Net income 11,047 5,082 — 16,129
Goodwill 7,335 136 — 7,471
Other intangible assets, net 375 — — 375
Total assets $ 527,897 $ 496,286 $ (11,202 ) $ 1,012,981