Segment Information (Tables)

12 Months Ended

Dec. 31, 2013

			Data						Total			Intersegment			Consolidated
2013	Banking			Processing			Other			Segments			Elimination			Totals
($ in 000's)
Income Statement information:

Net interest income (expense)	$	22,266		$	(47	)	$	(1,406	)	$	20,813		$	-		$	20,813

Other revenue - external customers		12,662			1,501			-			14,163			-			14,163

Other revenue - other segments		295			836			21			1,152			(1,269	)		(117	)

Net interest income and other revenue		35,223			2,290			(1,385	)		36,128			(1,269	)		34,859

Non-interest expense		24,135			2,570			938			27,643			(1,132	)		26,511

Significant noncash items:
Depreciation and amortization		970			114			5			1,089			-			1,089
Provision for loan losses		900			-			-			900			-			900

Income tax expense (benefit)		3,128			(95	)		(790	)		2,243			-			2,243

Segment profit (loss)	$	7,060		$	(185	)	$	(1,533	)	$	5,342		$	(137	)	$	5,205

Balance sheet information:

Total assets	$	631,708		$	1,658		$	78,293		$	711,659		$	(79,905	)	$	631,754
Goodwill and intangibles		17,008			-			-			17,008			-			17,008
Premises and equipment expenditures		1,144			8			-			1,152			-			1,152

				Data						Total			Intersegment			Consolidated
2012	Banking			Processing			Other			Segments			Elimination			Totals
($ in 000's)
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		831			2			-			833			-			833

- 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.

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