Segment Information (Tables)

3 Months Ended

Mar. 31, 2013

As of and for the three months ended March 31, 2013
			Data						Total		Intersegment			Consolidated
Income statement information ($'s in thousands)	Banking		Processing			Other			Segments		Elimination			Totals

Net interest income (expense)	$	5,708	$	(14	)	$	(403	)	$	5,291				$	5,291
Other revenue - external customers		3,164		415			-			3,579					3,579
Other revenue - other segments		97		339			21			457		(468	)		(11	)

Total revenue		8,969		740			(382	)		9,327		(468	)		8,859

Non-interest expense		6,132		703			272			7,107		(437	)		6,670

Significant non-cash items:
Depreciation and amortization		250		35			2			287		-			287
Provision for loan losses		299		-			-			299		-			299

Income tax expense (benefit)		782		13			(223	)		572		-			572

Segment profit (loss)	$	1,756	$	24		$	(431	)	$	1,349	$	(31	)	$	1,318

Balance sheet information

Total assets	$	637,257	$	2,236		$	3,590		$	643,083	$	(1,783	)	$	641,300

Goodwill and intangibles	$	17,419	$	-		$	-		$	17,419	$	-		$	17,419

Premises and equipment expenditures	$	-	$	-		$	-		$	-	$	-		$	-

As of and for the three months ended March 31, 2012

			Data						Total		Intersegment			Consolidated
Income statement information ($'s in thousands)	Banking		Processing			Other			Segments		Elimination			Totals

Net interest income (expense)	$	5,501	$	(13	)	$	(613	)	$	4,875				$	4,875
Other revenue - external customers		2,963		620			17			3,600					3,600
Other revenue - other segments		80		814			54			948		(967	)		(19	)

Total revenue		8,544		1,421			(542	)		9,423		(967	)		8,456

Non-interest expense		6,447		883			295			7,625		(949	)		6,676

Significant non-cash items:
Depreciation and amortization		225		106			3			334		-			334
Provision for loan losses		450		-			-			450		-			450

Income tax expense (benefit)		465		183			(290	)		358		-			358

Segment profit (loss)	$	1,182	$	355		$	(547	)	$	990	$	(18	)	$	972

Balance sheet information

Total assets	$	639,389	$	2,856		$	6,216		$	648,461	$	(3,485	)	$	644,976

Goodwill and intangibles	$	18,044	$	-		$	-		$	18,044	$	-		$	18,044

Premises and equipment expenditures	$	769	$	2		$	-		$	771	$	-		$	771

- 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+ Details