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Segment Information
 12 Months Ended
Dec. 31, 2012
Segment Information [Abstract]  
Segment Information
 
Note 26:
Segment Information
                 
The reportable segments are determined by the products and services offered, primarily distinguished between Banking and Item Processing operations.  Loans, investments, deposits and financial services provide the revenues in the Banking segment and include the accounts of State Bank and RFCBC.
 
Service fees provide the revenues in the Item Processing operation and include the accounts of RDSI.  Other segments include the accounts of the Company, Rurban Financial Corp., which provides management services to its subsidiaries.
 
The accounting policies used are the same as those described in the summary of significant accounting policies.  Segment performance is evaluated using net interest income, other revenue, operating expense and net income.  Goodwill is allocated.  Income taxes and indirect expenses are allocated based on revenue.  Transactions among segments are made at fair value.  The Company allocates certain expenses to other segments.  Information reported internally for performance assessment follows.
 
 
2012
  
Banking
    
Data
Processing
    
Other
    
Total
Segments
    
Intersegment
Elimination
    
Consolidated
Totals
  
($ in thousands)
Income Statement information:
                                    
                                     
Net interest income (expense)
   $ 22,760     $ (114 )   $ (1,881 )   $ 20,765     $ (33 )   $ 20,732  
Other revenue - external customers
     12,427       2,294       19       14,740       -       14,740  
Other revenue - other segments
     289       1,537       245       2,071       (1,966 )     105  
Net interest income and other revenue
     35,476       3,717       (1,617 )     37,576       (1,999 )     35,577  
Non-interest expense
     24,974       3,345       1,270       29,589       (2,104 )     27,484  
Significant noncash items:
                                                
Depreciation and amortization
     942       280       10       1,232       -       1,232  
Fixed asset and software impairment
     65       -               65       -       65  
Provision for loan losses
     1,350       -       -       1,350       -       1,350  
Income tax expense (benefit)
     2,719       198       (988 )     1,929       -       1,929  
Segment profit (loss)
   $ 6,434     $ 384     $ 1,899     $ 4,709     $ 105     $ 4,814  
                                                 
Balance sheet information:
                                                
                                                 
Total assets
   $ 633,353     $ 2,250     $ 75,328     $ 710,931     $ (72,697 )   $ 638,234  
Goodwill and intangibles
     17,572       -       -       17,572       -       17,572  
Premises and equipment expenditures
   $ 1,019      $ 2     $ -     $ 1,021     $ -     $ 1,021  
 
2011
  
Banking
    
Data
Processing
    
Other
    
Total
Segments
    
Intersegment Elimination
    
Consolidated Totals
  
($ in thousands)
Income Statement information:
                                    
                                     
Net interest income (expense)
   $ 22,301     $ (305 )   $ (1,285 )   $ 20,711     $ -     $ 20,711  
Other revenue - external customers
     10,187       3,332       32       13,551       -       13,551  
Other revenue - other segments
     301       1,388       146       1,834       (1,528 )     306  
Net interest income and other revenue
     32,789       4,415       (1,107 )     36,096       (1,528 )     34,568  
Non-interest expense
     24,172       6,335       1,580       32,087       (1,834 )     30,253  
Significant noncash items:
                                                
Depreciation and amortization
     870       903       10       1,783       -       1,783  
Fixed asset and software impairment
     -       609       -       609       -       609  
Goodwillimpairment
     -       381       -       381       -       381  
Provision for loan losses
     1,994       -       -       1,994       -       1,994  
Income taxexpense (benefit)
     1,824       (523 )     (642 )     658       -       658  
Segment profit (loss)
   $ 4,799     $ (1,397 )   $ (2,045 )   $ 1,358     $ 306     $ 1,664  
                                                 
Balance sheet information:
                                                
                                                 
Total assets
   $ 623,501     $ 3,577     $ 73,208     $ 700,286     $ (71,622 )   $ 628,664  
Goodwill and intangibles
     18,202       -       -       18,202       -       18,202  
Premises and equipment expenditures
   $ 560     $ 107     $ 13     $ 680     $ -     $ 680