r
	Commercial &
Three months ended September 30, 2015	Retail		Mortgage				Intercompany
(in thousands)	Banking		Banking		Insurance		Eliminations		Consolidated
Revenues:
Interest income	$	10,427	$	1,029	$	—	$	(40)	$	11,416
Mortgage fee income		(28)		9,293		—		(310)		8,955
Insurance and investment services income		98		—		1,044		—		1,142
Other income		2,589		(1,544)		1		(1,189)		(143)
Total operating income		13,086		8,778		1,045		(1,539)		21,370
Expenses:
Interest expense		2,333		415		—		(350)		2,398
Provision for loan losses		636		—		—		—		636
Salaries and employee benefits		3,982		5,302		919		—		10,203
Other expense		5,223		1,894		293		(1,189)		6,221
Total operating expenses		12,174		7,611		1,212		(1,539)		19,458
Income (loss) before income taxes		912		1,167		(167)		—		1,912
Income tax expense (benefit)		121		448		(63)		—		506
Net income (loss)		791		719		(104)		—		1,406
Preferred stock dividends		145		—		—		—		145
Net income (loss) available to common shareholders	$	646	$	719	$	(104)	$	—	$	1,261

Capital expenditures for the three-month period ended September 30, 2015	$	490	$	53	$	—	$	-	$	543
Total assets as of September 30, 2015		1,460,120		110,119		2,944		(266,654)		1,306,529
Total assets as of December 31, 2014		1,189,746		101,791		4,031		(185,109)		1,110,459
Goodwill as of September 30, 2015		1,598		16,882		-		-		18,480
Goodwill as of December 31, 2014	$	897	$	16,882	$	-	$	-	$	17,779


	Commercial &
Three months ended September 30, 2014	Retail		Mortgage				Intercompany
(in thousands)	Banking		Banking		Insurance		Eliminations		Consolidated
Revenues:
Interest income	$	8,277	$	725	$	—	$	92	$	9,094
Mortgage fee income		39		5,223		—		(314)		4,948
Insurance and investment services income		63		—		846		—		909
Other income		1,706		(391)		—		(592)		723
Total operating income		10,085		5,557		846		(814)		15,674
Expenses:
Interest expense		1,999		287		—		(250)		2,036
Provision for loan losses		783		—		—		—		783
Salaries and employee benefits		3,281		3,473		844		—		7,598
Other expense		3,330		1,630		221		(564)		4,617
Total operating expenses		9,393		5,390		1,065		(814)		15,034
Income (loss) before income taxes		692		167		(219)		—		640
Income tax expense (benefit)		116		66		(79)		—		103
Net income (loss)		576		101		(140)		—		537
Preferred stock dividends		144		—		—		—		144
Net income (loss) available to common shareholders	$	432	$	101	$	(140)	$	—	$	393

Capital expenditures for the three-month period ended September 30, 2014	$	2,943	$	71		9	$	-	$	3,023
Total assets as of September 30, 2014		1,186,006		82,648		2,804		(184,644)		1,086,814
Total assets as of December 31, 2013		1,021,097		92,290		3,012		(129,339)		987,060
Goodwill as of September 30, 2014		897		16,882		-		-		17,779
Goodwill as of December 31, 2013	$	897	$	16,882	$	-	$	-	$	17,779


	Commercial &
Nine months ended September 30, 2015	Retail		Mortgage				Intercompany
(in thousands)	Banking		Banking		Insurance		Eliminations		Consolidated
Revenues:
Interest income	$	29,049	$	2,996	$	—	$	(297)	$	31,748
Mortgage fee income		36		24,678		—		(833)		23,881
Insurance and investment services income		276		—		3,529		—		3,805
Other income		6,658		1,056		6		(3,507)		4,213
Total operating income		36,019		28,730		3,535		(4,637)		63,647
Expenses:
Interest expense		6,568		1,319		—		(1,130)		6,757
Provision for loan losses		1,856		—		—		—		1,856
Salaries and employee benefits		11,457		15,967		2,707		—		30,131
Other expense		14,284		5,474		720		(3,507)		16,971
Total operating expenses		34,165		22,760		3,427		(4,637)		55,715
Income before income taxes		1,854		5,970		108		—		7,932
Income tax expense		188		2,287		43		—		2,518
Net income		1,666		3,683		65		—		5,414
Preferred stock dividends		430		—		—		—		430
Net income available to common shareholders	$	1,236	$	3,683	$	65	$	—	$	4,984

Capital expenditures for the nine-month period ended September 30, 2015	$	1,487	$	152	$	9	$	-	$	1,648
Total assets as of September 30, 2015		1,460,120		110,119		2,944		(266,654)		1,306,529
Total assets as of December 31, 2014		1,189,746		101,791		4,031		(185,109)		1,110,459
Goodwill as of September 30, 2015		1,598		16,882		-		-		18,480
Goodwill as of December 31, 2014	$	897	$	16,882	$	-	$	-	$	17,779


	Commercial &
Nine months ended September 30, 2014	Retail		Mortgage				Intercompany
(in thousands)	Banking		Banking		Insurance		Eliminations		Consolidated
Revenues:
Interest income	$	24,399	$	1,959	$	—	$	274	$	26,632
Mortgage fee income		31		13,362		—		(902)		12,491
Insurance and investment services income		192		—		2,553		—		2,745
Other income		6,912		548		—		(3,294)		4,166
Total operating income		31,534		15,869		2,553		(3,922)		46,034
Expenses:
Interest expense		5,276		776		—		(669)		5,383
Provision for loan losses		2,192		—		—		—		2,192
Salaries and employee benefits		9,644		10,105		2,578		—		22,327
Other expense		11,325		4,225		615		(3,253)		12,912
Total operating expenses		28,437		15,106		3,193		(3,922)		42,814
Income (loss) before income taxes		3,097		763		(640)		—		3,220
Income tax expense (benefit)		490		305		(239)		—		556
Net income (loss)		2,607		458		(401)		—		2,664
Preferred stock dividends		187		—		—		—		187
Net income (loss) available to common shareholders	$	2,420	$	458	$	(401)	$	—	$	2,477

Capital expenditures for the nine-month period ended September 30, 2014	$	7,371	$	262	$	352	$	-	$	7,985
Total assets as of September 30, 2014		1,186,006		82,648		2,804		(184,644)		1,086,814
Total assets as of December 31, 2013		1,021,097		92,290		3,012		(129,339)		987,060
Goodwill as of September 30, 2014		897		16,882		-		-		17,779
Goodwill as of December 31, 2013	$	897	$	16,882	$	-	$	-	$	17,779