Segment Information

3 Months Ended

Mar. 31, 2015

Segment Reporting [Abstract]

Segment Information

Segment Information:

The reportable segments are determined by the products and services offered, primarily distinguished between banking, trust and retirement consulting operations. They are also distinguished by the level of information provided to the chief operating decision makers in the Company, who use such information to review performance of various components of the business, which are then aggregated. Loans, investments, and deposits provide the revenues in the banking operation. All operations are domestic.

Significant segment totals are reconciled to the financial statements as follows:

(In Thousands of Dollars)	Trust Segment		Bank Segment		Retirement Consulting Segment		Eliminations and Others		Consolidated Totals
March 31, 2015
Goodwill and other intangibles	$	5,206	$	0	$	3,440	$	0	$	8,646
Total assets	$	11,257	$	1,117,357	$	4,433	$	604	$	1,133,651

(In Thousands of Dollars)	Trust Segment		Bank Segment		Retirement Consulting Segment		Eliminations and Others		Consolidated Totals
December 31, 2014
Goodwill and other intangibles	$	5,285	$	0	$	3,528	$	0	$	8,813
Total assets	$	10,643	$	1,121,505	$	4,356	$	463	$	1,136,967

(In Thousands of Dollars)	Trust Segment		Bank Segment		Retirement Consulting Segment		Eliminations and Others			Consolidated Totals
For Three Months Ended March 31, 2015
Net interest income	$	15	$	8,980	$	0	$	(3	)	$	8,992
Provision for loan losses		0		450		0		0			450
Service fees, security gains and other noninterest income		1,672		1,927		503		(65	)		4,037
Noninterest expense		1,196		7,358		335		395			9,284
Amortization and depreciation expense		85		292		90		0			467
Income (loss) before taxes		406		2,807		78		(463	)		2,828
Income taxes		138		609		27		(157	)		617
Net Income (Loss)	$	268	$	2,198	$	51	$	(306	)	$	2,211

(In Thousands of Dollars)	Trust Segment		Bank Segment		Retirement Consulting Segment		Eliminations and Others			Consolidated Totals
For Three Months Ended March 31, 2014
Net interest income	$	12	$	8,848	$	0	$	(4	)	$	8,856
Provision for loan losses		0		330		0		0			330
Service fees, security gains and other    noninterest income		1,517		1,538		443		(65	)		3,433
Noninterest expense		1,092		6,965		312		274			8,643
Amortization and depreciation expense		95		298		105		0			498
Income before taxes		342		2,793		26		(343	)		2,818
Income taxes		118		617		9		(117	)		627
Net Income	$	224	$	2,176	$	17	$	(226	)	$	2,191

The Bank segment includes Farmers National Insurance and Farmers of Canfield Investment Co.