Segment Information

6 Months Ended

Jun. 30, 2014

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 June 30, 2014						Three Months Ended June 30, 2013
	Banking and						Banking and
	Financial		Insurance				Financial		Insurance
	Services		Services		Total		Services		Services		Total
Net interest income from external sources	$	4,444	$	1	$	4,445	$	4,078	$	-	$	4,078
Other income from external sources		760		698		1,458		716		647		1,363
Depreciation and amortization		157		6		163		171		2		173
Income (loss) before income taxes		724		42		766		(7)		59		52
Income tax expense (benefit) (1)		143		16		159		(105)		23		(82)
Total assets		552,065		5,108		557,173		523,885		2,872		526,757

	Six Months Ended June 30, 2014						Six Months Ended June 30, 2013
	Banking and						Banking and
	Financial		Insurance				Financial		Insurance
	Services		Services		Total		Services		Services		Total
Net interest income from external sources	$	8,749	$	2	$	8,751	$	7,921	$	-	$	7,921
Other income from external sources		1,366		1,683		3,049		1,759		1,489		3,248
Depreciation and amortization		315		11		326		339		5		344
Income (loss) before income taxes		1,346		396		1,742		(199)		259		60
Income tax expense (benefit) (1)		299		158		457		(275)		103		(172)
Total assets		552,065		5,108		557,173		523,885		2,872		526,757

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