Segment Information

3 Months Ended

Mar. 31, 2014

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, 2014
Goodwill and other intangibles	$	5,551	$	0	$	4,600	$	0	$	10,151
Total assets	$	12,362	$	1,123,126	$	5,100	$	412	$	1,141,000

(In Thousands of Dollars)	Trust Segment		Bank Segment		Retirement Consulting Segment		Eliminations and Others		Consolidated Totals
December 31, 2013
Goodwill and other intangibles	$	5,639	$	0	$	4,704	$	0	$	10,343
Total assets	$	11,572	$	1,120,091	$	5,090	$	573	$	1,137,326

(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		1,187		7,263		417		274			9,141
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

(In Thousands of Dollars)	Trust Segment		Bank Segment		Retirement Consulting Segment		Eliminations and Others			Consolidated Totals
For Three Months Ended March 31, 2013
Net interest income	$	12	$	8,959	$	0	$	(3	)	$	8,968
Provision for loan losses		0		255		0		0			255
Service fees, security gains and other noninterest income		1,365		1,560		0		(50	)		2,875
Noninterest expense		1,190		7,684		0		214			9,088
Income before taxes		187		2,580		0		(267	)		2,500
Income taxes		65		521		0		(91	)		495
Net Income	$	122	$	2,059	$	0	$	(176	)	$	2,005