19. Segment Information

12 Months Ended

Dec. 31, 2012

Segment Reporting [Abstract]

19. Segment Information

We operate in three business segments, organized around the different products and services offered:

· Commercial Banking

· Mortgage Banking

· Wealth Management

Commercial Banking includes commercial, business and retail banking.  This segment provides customers with products such as commercial loans, small business loans, real estate loans, business financing and consumer loans.  In addition, this segment provides customers with several choices of deposit products including demand deposit accounts, savings accounts and certificates of deposit.  Mortgage Banking engages primarily in the origination and acquisition of residential mortgages for sale into the secondary market on a best-efforts basis.  Wealth Management provides investment and financial advisory services to businesses and individuals, including financial planning, retirement planning, estate planning, trust and custody services, investment management, escrows, and retirement plans.

Information about the reportable segments and reconciliation of this information to the consolidated financial statements at and for the twelve months ended December 31, 2012, 2011 and 2010 is as follows:

At and for the Twelve Months Ended December 31, 2012:
	Commercial		Mortgage		Wealth					Intersegment
	Bank		Banking		Management		Other			Elimination			Consolidated
Net interest income	$	97,206	$	742	$	-	$	(1,371	)	$	-		$	96,577
Provision for loan losses		5,550		-		-		-			-			5,550
Noninterest income		25,365		8,616		5,253		105			(4,996	)		34,343
Noninterest expense		87,846		6,878		4,493		907			(4,996	)		95,128
Provision for income taxes		7,886		744		228		(779	)		-			8,079
Net income (loss)	$	21,289	$	1,736	$	532	$	(1,394	)	$	-		$	22,163
Total Assets	$	2,976,470	$	38,075	$	602	$	469,378		$	(461,321	)	$	3,023,204
Average Assets	$	2,916,051	$	21,924	$	508	$	461,310		$	(454,152	)	$	2,945,641
At and for the Twelve Months Ended December 31, 2011:
	Commercial		Mortgage		Wealth					Intersegment
	Bank		Banking		Management		Other			Elimination			Consolidated
Net interest income	$	96,659	$	895	$	-	$	(1,133	)	$	-		$	96,421
Provision for loan losses		12,700		-		-		-			-			12,700
Noninterest income		22,562		8,122		5,045		106			(4,784	)		31,051
Noninterest expense		85,842		7,667		4,399		1,159			(4,784	)		94,283
Provision for income taxes		4,794		405		194		(789	)		-			4,604
Net income (loss)	$	15,885	$	945	$	452	$	(1,397	)	$	-		$	15,885
Total Assets	$	2,868,332	$	42,894	$	415	$	451,866		$	(445,579	)	$	2,917,928
Average Assets	$	2,896,875	$	24,854	$	444	$	465,607		$	(457,354	)	$	2,930,426
At and for the Twelve Months Ended December 31, 2010:
	Commercial		Mortgage		Wealth					Intersegment
	Bank		Banking		Management		Other			Elimination			Consolidated
Net interest income	$	93,535	$	1,549	$	-	$	(1,074	)	$	-		$	94,010
Provision for loan losses		22,850		-		-		-			-			22,850
Noninterest income		24,976		7,101		4,757		720			(4,285	)		33,269
Noninterest expense		83,442		7,695		3,975		2,132			(4,285	)		92,959
Provision for income taxes		2,130		286		234		(945	)		-			1,705
Net income (loss)	$	10,089	$	669	$	548	$	(1,541	)	$	-		$	9,765
Total Assets	$	2,870,097	$	52,788	$	473	$	462,991		$	(445,907	)	$	2,940,442
Average Assets	$	2,919,449	$	39,790	$	541	$	462,758		$	(445,794	)	$	2,976,744