Segment Information

6 Months Ended

Jun. 30, 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
June 30, 2014
Goodwill and other intangibles	$	5,463	$	0	$	4,497	$	0	$	9,960
Total assets	$	12,352	$	1,115,443	$	5,198	$	293	$	1,133,286

(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 June 30, 2014
Net interest income	$	14	$	8,941	$	0	$	(3	)	$	8,952
Provision for loan losses		0		300		0		0			300
Service fees, security gains and other noninterest income		1,574		1,756		555		(88	)		3,797
Noninterest expense		1,193		7,471		407		307			9,378
Income before taxes		395		2,926		148		(398	)		3,071
Income taxes		135		662		50		(127	)		720
Net Income	$	260	$	2,264	$	98	$	(271	)	$	2,351

(In Thousands of Dollars)	Trust Segment		Bank Segment		Retirement Consulting Segment		Eliminations and Others			Consolidated Totals
For Six Months Ended June 30, 2014
Net interest income	$	26	$	17,789	$	0	$	(7	)	$	17,808
Provision for loan losses		0		630		0		0			630
Service fees, security gains and other noninterest income		3,091		3,294		998		(153	)		7,230
Noninterest expense		2,380		14,734		824		581			18,519
Income before taxes		737		5,719		174		(741	)		5,889
Income taxes		253		1,279		59		(244	)		1,347
Net Income	$	484	$	4,440	$	115	$	(497	)	$	4,542

(In Thousands of Dollars)	Trust Segment		Bank Segment		Retirement Consulting Segment		Eliminations and Others			Consolidated Totals
For Three Months Ended June 30, 2013
Net interest income	$	11	$	9,032	$	0	$	(4	)	$	9,039
Provision for loan losses		0		170		0		0			170
Service fees, security gains and other    noninterest income		1,413		1,732		0		80			3,225
Noninterest expense		1,308		7,948		0		566			9,822
Income before taxes		116		2,646		0		(490	)		2,272
Income taxes		40		530		0		(166	)		404
Net Income	$	76	$	2,116	$	0	$	(324	)	$	1,868

(In Thousands of Dollars)	Trust Segment		Bank Segment		Retirement Consulting Segment		Eliminations and Others			Consolidated Totals
For Six Months Ended June 30, 2013
Net interest income	$	23	$	17,991	$	0	$	(7	)	$	18,007
Provision for loan losses		0		425		0		0			425
Service fees, security gains and other    noninterest income		2,778		3,292		0		30			6,100
Noninterest expense		2,498		15,632		0		780			18,910
Income before taxes		303		5,226		0		(757	)		4,772
Income taxes		105		1,051		0		(257	)		899
Net Income	$	198	$	4,175	$	0	$	(500	)	$	3,873