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SEGMENT INFORMATION (Tables)

6 Months Ended

Jun. 30, 2012

Segment Reporting [Abstract]

Schedule of Segment Reporting Information, by Segment [Table Text Block]

As of and for the three months ended June 30, 2012 

						Data								Total				Intersegment				Consolidated
Income statement information ($'s in thousands)		Banking				Processing				Other				Segments				Elimination				Totals
Net interest income (expense)		$	5,790			$	(69	)		$	(419	)		$	5,302			$	(34	)		$	5,268
Non-interest income - external   customers			2,662				578				9				3,249								3,249
Non-interest income - other segments			80				251				60				391				(432	)			(41	)
Total revenue			8,532				760				(350	)			8,942				(466	)			8,476
Non-interest expense			6,083				842				369				7,294				(423	)			6,871
Significant non-cash items:
Depreciation and amortization			237				68				3				308				-				308
Provision for loan losses			200				-				-				200				-				200
Income tax expense (benefit)			667				(28	)			(248	)			391				-				391
Segment profit (loss)		$	1,582			$	(54	)		$	(471	)		$	1,057			$	(43	)		$	1,014
Balance sheet information
Total assets		$	626,889			$	2,684			$	7,066			$	636,639			$	(4,108	)		$	632,531
Goodwill and intangibles		$	17,887			$	-			$	-			$	17,887			$	-			$	17,887
Premises and equipment expenditures		$	184			$	-			$	-			$	184			$	-			$	184

As of and for the three months ended June 30, 2011 

						Data								Total				Intersegment				Consolidated
Income statement information ($'s in thousands)		Banking				Processing				Other				Segments				Elimination				Totals
Net interest income (expense)		$	5,608			$	(77	)		$	(318	)		$	5,213							$	5,213
Non-interest income - external   customers			3,782				1,308				7				5,097								5,097
Non-interest income - other segments			49				340				38				427				(427	)			-
Total revenue			9,439				1,571				(273	)			10,737				(427	)			10,310
Non-interest expense			6,972				1,356				497				8,825				(427	)			8,398
Significant non-cash items:
Depreciation and amortization			220				223				2				445				-				445
Provision for loan losses			898				-				-				898				-				898
Income tax expense (benefit)			410				73				(246	)			237				-				237
Segment profit (loss)		$	1,159			$	142			$	(524	)		$	777			$	-			$	777
Balance sheet information
Total assets		$	611,963			$	5,465			$	5,534			$	622,962			$	(4,901	)		$	618,061
Goodwill and intangibles		$	18,517			$	408			$	-			$	18,925			$	-			$	18,925
Premises and equipment expenditures		$	371			$	-			$	-			$	371			$	-			$	371

As of and for the six months ended June 30, 2012 

						Data								Total				Intersegment				Consolidated
Income statement information ($'s in thousands)		Banking				Processing				Other				Segments				Elimination				Totals
Net interest income (expense)		$	11,291			$	(82	)		$	(1,032	)		$	10,177			$	(34	)		$	10,143
Non-interest income - external   customers			5,625				1,198				26				6,849								6,849
Non-interest income - other segments			160				1,065				114				1,339				(1,399	)			(60	)
Total revenue			17,076				2,181				(892	)			18,365				(1,433	)			16,932
Non-interest expense			12,530				1,725				664				14,919				(1,372	)			13,547
Significant non-cash items:
Depreciation and amortization			462				174				6				642				-				642
Provision for loan losses			650				-				-				650				-				650
Income tax expense (benefit)			1,132				155				(538	)			749				-				749
Segment profit (loss)		$	2,764			$	301			$	(1,018	)		$	2,047			$	(61	)		$	1,986
Balance sheet information
Total assets		$	626,889			$	2,684			$	7,066			$	636,639			$	(4,108	)		$	632,531
Goodwill and intangibles		$	17,887			$	-			$	-			$	17,887			$	-			$	17,887
Premises and equipment expenditures		$	953			$	2			$	-			$	955			$	-			$	955

As of and for the six months ended June 30, 2011 

						Data								Total				Intersegment				Consolidated
Income statement information ($'s in thousands)		Banking				Processing				Other				Segments				Elimination				Totals
Net interest income (expense)		$	10,836			$	(157	)		$	(633	)		$	10,046							$	10,046
Non-interest income - external   customers			5,720				2,221				19				7,960								7,960
Non-interest income - other segments			100				721				75				896				(896	)			-
Total revenue			16,656				2,785				(539	)			18,902				(896	)			18,006
Non-interest expense			12,633				2,863				858				16,354				(896	)			15,458
Significant non-cash items:
Depreciation and amortization			445				449				5				899				-				899
Provision for loan losses			1,397				-				-				1,397				-				1,397
Income tax expense (benefit)			636				(27	)			(246	)			363				-				363
Segment profit (loss)		$	1,990			$	(51	)		$	(1,151	)		$	788			$	-			$	788
Balance sheet information
Total assets		$	611,963			$	5,465			$	5,534			$	622,962			$	(4,901	)		$	618,061
Goodwill and intangibles		$	18,517			$	408			$	-			$	18,925			$	-			$	18,925
Premises and equipment expenditures		$	490			$	-			$	-			$	490			$	-			$	490

X

- Definition

Tabular disclosure of the profit or loss and total assets for each reportable segment. An entity discloses certain information on each reportable segment if the amounts (a) are included in the measure of segment profit or loss reviewed by the chief operating decision maker or (b) are otherwise regularly provided to the chief operating decision maker, even if not included in that measure of segment profit or loss.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 280

-SubTopic 10

-Section 50

-Paragraph 22

-URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e8736-108599



Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 280

-SubTopic 10

-Section 50

-Paragraph 25

-URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e8813-108599



Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

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-URI http://asc.fasb.org/extlink&oid=14024403&loc=d3e13816-109267



Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Statement of Financial Accounting Standard (FAS)

-Number 131

-Paragraph 27, 28

-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 5: 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



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-Publisher FASB

-Name Accounting Standards Codification

-Topic 280

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-Section 50

-Paragraph 21

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e8721-108599

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