SERVICE FEES, CHARGES AND OTHER OPERATING INCOME AND OTHER OPERATING EXPENSE

12 Months Ended

Dec. 31, 2013

SERVICE FEES, CHARGES AND OTHER OPERATING INCOME AND OTHER OPERATING EXPENSE [Abstract]

SERVICE FEES, CHARGES AND OTHER OPERATING INCOME AND OTHER OPERATING EXPENSE

NOTE 19 — SERVICE FEES, CHARGES AND OTHER OPERATING INCOME AND OTHER OPERATING EXPENSE

	For the years ended December 31,
	2013		2012
	(in thousands)
Service fees, charges and other operating income
Loan servicing fees, net	$	481	$	139
Late charge income		124		117
Deposit service charges		820		581
Debit card income		623		539
Other income		300		395
	$	2,348	$	1,771
Other operating expense
Insurance and surety bond	$	193	$	178
Office supplies		219		184
Loan expense		309		228
Debit card and ATM expense		307		272
Postage		260		246
Telephone		312		288
Supervisory examination fees		65		73
Conversion costs		1,417		-
Other expenses		683		578
	$	3,765	$	2,047