SEGMENT INFORMATION

3 Months Ended

Mar. 31, 2012

Segment Reporting [Abstract]

SEGMENT INFORMATION

NOTE 7 – SEGMENT INFORMATION

The reportable segments are determined by the products and services offered, primarily distinguished between banking and consumer finance. They are also distinguished by the level of information provided to the chief operating decision maker, who uses such information to review performance of various components of the business which are then aggregated if operating performance, products/services, and customers are similar. Loans, investments, and deposits provide the majority of the net revenues from the banking operation, while loans provide the majority of the net revenues for the consumer finance segment. All Company segments are domestic.

Total revenues from the banking segment, which accounted for the majority of the Company's total revenues, totaled 87.8% and 88.2% of total consolidated revenues for the years ended March 31, 2012 and 2011, respectively.

The accounting policies used for the Company's reportable segments are the same as those described in Note 1 - Summary of Significant Accounting Policies. Income taxes are allocated based on income before tax expense.

Information for the Company’s reportable segments is as follows:

	Three Months Ended March 31, 2012
	Banking		Consumer Finance		Total Company
Net interest income	$	7,657	$	1,255	$	8,912
Provision expense	$	1,211	$	105	$	1,316
Noninterest income	$	3,065	$	414	$	3,479
Noninterest expense	$	6,727	$	605	$	7,332
Tax expense	$	796	$	325	$	1,121
Net income	$	1,988	$	634	$	2,622
Assets	$	840,691	$	13,183	$	853,874

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	Three Months Ended March 31, 2011
	Banking		Consumer Finance		Total Company
Net interest income	$	8,002	$	1,201	$	9,203
Provision expense	$	2,823	$	121	$	2,944
Noninterest income	$	3,073	$	586	$	3,659
Noninterest expense	$	6,552	$	546	$	7,098
Tax expense	$	408	$	379	$	787
Net income	$	1,292	$	741	$	2,033
Assets	$	861,093	$	13,195	$	874,288