Business Segments (Tables)

6 Months Ended

Jun. 30, 2012

Business Segments [Abstract]

Segment Reporting Information, by Segment

	Three Months Ended June 30, 2012
(Dollars in thousands)	Retail Banking			Mortgage Banking		Consumer Finance		Other			Eliminations			Consolidated
Revenues:
Interest income	$	8,096		$	566	$	11,695	$	-		$	(1,259	)	$	19,098
Gains on sales of loans		-			4,718		-		-			-			4,718
Other noninterest income		1,464			979		234		336			(2	)		3,011
Total operating income		9,560			6,263		11,929		336			(1,261	)		26,827
Expenses:
Interest expense		1,920			113		1,574		248			(1,259	)		2,596
Provision for loan losses		750			30		2,080		-			-			2,860
Salaries and employee benefits		3,742			3,810		1,846		198			-			9,596
Other noninterest expenses		2,862			1,613		1,051		105			-			5,631
Total operating expenses		9,274			5,566		6,551		551			(1,259	)		20,683
Income (loss) before income taxes		286			697		5,378		(215	)		(2	)		6,144
Provision for (benefit from) income taxes		(332	)		278		2,098		(81	)		-			1,963
Net income (loss)	$	618		$	419	$	3,280	$	(134	)	$	(2	)	$	4,181
Total assets	$	791,327		$	91,025	$	265,995	$	2,974		$	(201,607	)	$	949,714
Capital expenditures	$	173		$	158	$	41	$	-		$	-		$	372

 

	Three Months Ended June 30, 2011
(Dollars in thousands)	Retail Banking			Mortgage Banking			Consumer Finance		Other			Eliminations			Consolidated
Revenues:
Interest income	$	8,174		$	386		$	10,877	$	-		$	(1,068	)	$	18,369
Gains on sales of loans		-			3,696			-		-			-			3,696
Other noninterest income		1,501			703			157		301			-			2,662
Total operating income		9,675			4,785			11,034		301			(1,068	)		24,727
Expenses:
Interest expense		2,290			50			1,442		254			(1,068	)		2,968
Provision for loan losses		1,500			15			1,875		-			-			3,390
Salaries and employee benefits		3,586			2,978			1,674		192			-			8,430
Other noninterest expenses		3,217			1,356			878		88			-			5,539
Total operating expenses		10,593			4,399			5,869		534			(1,068	)		20,327
Income (loss) before income taxes		(918	)		386			5,165		(233	)		-			4,400
Provision for (benefit from) income taxes		(764	)		154			2,015		(87	)		(1	)		1,317
Net income (loss)	$	(154	)	$	232		$	3,150	$	(146	)	$	1		$	3,083
Total assets	$	752,252		$	53,119		$	246,730	$	2,778		$	(148,308	)	$	906,571
Capital expenditures	$	237		$	(8	)	$	415	$	1		$	-		$	645

 

(Dollars in thousands)	Six Months Ended June 30, 2012
	Retail Banking			Mortgage Banking		Consumer Finance		Other			Eliminations			Consolidated
Revenues:
Interest income	$	16,163		$	1,140	$	23,034	$	-		$	(2,483	)	$	37,854
Gains on sales of loans		-			8,821		-		-			-			8,821
Other noninterest income		3,030			2,095		494		672			-			6,291
Total operating income		19,193			12,056		23,528		672			(2,483	)		52,966
Expenses:
Interest expense		4,078			219		3,124		497			(2,483	)		5,435
Provision for loan losses		1,500			105		3,980		-			-			5,585
Salaries and employee benefits		7,748			7,393		3,722		475			-			19,338
Other noninterest expenses		5,771			2,945		1,974		256			-			10,946
Total operating expenses		19,097			10,662		12,800		1,228			(2,483	)		41,304
Income (loss) before income taxes		96			1,394		10,728		(556	)		-			11,662
Provision for (benefit from) income taxes		(829	)		557		4,184		(211	)		-			3,701
Net income (loss)	$	925		$	837	$	6,544	$	(345	)	$	-		$	7,961
Total assets	$	791,327		$	91,025	$	265,995	$	2,974		$	(201,607	)	$	949,714
Capital expenditures	$	352		$	209	$	99	$	-		$	-		$	660

 

	Six Months Ended June 30, 2011
(Dollars in thousands)	Retail Banking			Mortgage Banking		Consumer Finance		Other			Eliminations			Consolidated
Revenues:
Interest income	$	16,204		$	787	$	21,086	$	-		$	(2,076	)	$	36,001
Gains on sales of loans		-			7,496		-		-			-			7,496
Other noninterest income		2,975			1,442		339		563			-			5,319
Total operating income		19,179			9,725		21,425		563			(2,076	)		48,816
Expenses:
Interest expense		4,677			112		2,815		506			(2,078	)		6,032
Provision for loan losses		2,550			35		3,625		-			-			6,210
Salaries and employee benefits		7,486			5,723		3,329		384			-			16,922
Other noninterest expenses		6,213			2,907		1,639		237			-			10,996
Total operating expenses		20,926			8,777		11,408		1,127			(2,078	)		40,160
Income (loss) before income taxes		(1,747	)		948		10,017		(564	)		2			8,656
Provision for (benefit from) income taxes		(1,469	)		379		3,907		(214	)		1			2,604
Net income (loss)	$	(278	)	$	569	$	6,110	$	(350	)	$	1		$	6,052
Total assets	$	752,252		$	53,119	$	246,730	$	2,778		$	(148,308	)	$	906,571
Capital expenditures	$	486		$	69	$	623	$	3		$	-		$	1,181