Segment Information

9 Months Ended

Sep. 30, 2013

Segment Information [Abstract]

Segment Information

NOTE 7 – SEGMENT INFORMATION

Our insurance agency operations are managed separately from the traditional banking and related financial services that we also offer.  The insurance agency operation provides commercial, individual, and group benefit plans and personal coverage.

	Three Months Ended September 30, 2013						Three Months Ended September 30, 2012
	Banking and						Banking and
	Financial		Insurance				Financial		Insurance
	Services		Services		Total		Services		Services		Total
Net interest income from external sources	$	4,219	$	-	$	4,219	$	4,089	$	-	$	4,089
Other income from external sources		678		756		1,434		1,276		684		1,960
Depreciation and amortization		162		4		166		170		3		173
Income (loss) before income taxes		588		130		718		546		106		652
Income tax (benefit) expense (1)		91		52		143		64		42		106
Total assets		531,730		3,156		534,886		500,594		3,700		504,294

	Nine Months Ended September 30, 2013						Nine Months Ended September30, 2012
	Banking and						Banking and
	Financial		Insurance				Financial		Insurance
	Services		Services		Total		Services		Services		Total
Net interest income from external sources	$	12,140	$	-	$	12,140	$	12,225	$	-	$	12,225
Other income from external sources		2,437		2,245		4,682		2,808		1,892		4,700
Depreciation and amortization		502		8		510		501		8		509
Income (loss) before income taxes		389		389		778		522		216		738
Income tax (benefit) expense (1)		(185)		156		(29)		(180)		86		(94)
Total assets		531,730		3,156		534,886		500,594		3,700		504,294

(1) Insurance Services calculated at statutory tax rate of 40%