Segment Information

3 Months Ended

Mar. 31, 2016

Segment Reporting [Abstract]

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, 2016
Goodwill and other intangibles	$	4,895	$	35,234	$	3,091	$	(646	)	$	42,574
Total assets	$	11,356	$	1,844,746	$	3,758	$	447		$	1,860,307
(In Thousands of Dollars)	Trust Segment		Bank Segment		Retirement Consulting Segment		Eliminations and Others			Consolidated Totals
December 31, 2015
Goodwill and other intangibles	$	4,967	$	35,412	$	3,178	$	(646	)	$	42,911
Total assets	$	11,078	$	1,854,306	$	4,127	$	391		$	1,869,902
(In Thousands of Dollars)	Trust Segment		Bank Segment		Retirement Consulting Segment		Eliminations and Others			Consolidated Totals
For Three Months Ended March 31, 2016
Net interest income	$	20	$	16,747	$	0	$	(20	)	$	16,747
Provision for loan losses		0		780		0		0			780
Service fees, security gains and other noninterest income		1,521		2,961		489		(25	)		4,946
Noninterest expense		1,152		11,627		371		390			13,665
Amortization and depreciation expense		76		714		89		25			779
Income (loss) before taxes		313		6,587		29		(460	)		6,469
Income taxes		107		1,696		10		(142	)		1,671
Net Income (Loss)	$	206	$	4,891	$	19	$	(318	)	$	4,798

(In Thousands of Dollars)	Trust Segment		Bank Segment		Retirement Consulting Segment		Eliminations and Others			Consolidated Totals
For Three Months Ended March 31, 2015
Net interest income	$	15	$	8,980	$	0	$	(3	)	$	8,992
Provision for loan losses		0		450		0		0			450
Service fees, security gains and other    noninterest income		1,672		1,927		503		(65	)		4,037
Noninterest expense		1,196		7,358		335		395			9,284
Amortization and depreciation expense		85		292		90		0			467
Income before taxes		406		2,807		78		(463	)		2,828
Income taxes		138		609		27		(157	)		617
Net Income	$	268	$	2,198	$	51	$	(306	)	$	2,211

The Bank segment includes Farmers National Insurance and Farmers of Canfield Investment Co.