Quarterly Financial Data (Unaudited)

12 Months Ended

Dec. 31, 2014

Quarterly Financial Information Disclosure [Abstract]

NOTE 21—QUARTERLY FINANCIAL DATA (UNAUDITED)


	Interest Income		Net Interest Income		Net Income		Basic Earnings per Common Share		Diluted Earnings per Common Share
2014
First quarter (2)(4)	$	11,315	$	10,165	$	2,712	$	0.27	$	0.22
Second quarter (1)(2)		11,365		10,266		2,240		0.24		0.21
Third quarter (1)(2)		11,667		10,684		2,306		0.25		0.21
Fourth quarter (1)(2)		11,623		10,751		2,270		0.23		0.21

2013
First quarter (2)(3)(4)	$	11,286	$	9,987	$	1,913	$	0.21	$	0.21
Second quarter (2)(3)(5)		11,025		9,781		1,657		0.18		0.18
Third quarter (2)(3)		11,127		9,917		1,566		0.17		0.17
Fourth quarter (2)(3)(6)(7)		11,443		10,289		1,043		0.09		0.08

(1)	Interest income and net interest income increased due to loan volume.

(2)	Interest expense decreased as deposits repriced downward and the deposit mix shifted toward cheaper funding sources.

(3)	Interest income decreased as loans repriced downward.

(4)	Net income increased due to fees on tax refund program.

(5)	Net interest income and net income decreased due to reversed late charges.

(6)	Interest income and net interest income increased due to increased loan volume.

(7)	Net income decreased due to non cash charge to pension plan.

- Definition

The entire disclosure for the quarterly financial data in the annual financial statements. The disclosure may include a tabular presentation of financial information for each fiscal quarter for the current and previous year, including revenues, gross profit, income or loss before extraordinary items and earnings per share data. It also includes an indication if the information in the note is unaudited, comments on the aggregate effect of year-end adjustments, and an explanation of matters or transactions that affect comparability or are pertinent to an understanding of the information furnished.

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