Business Segments (Tables)

3 Months Ended

Mar. 31, 2015

Business Segments

Schedule of segment reporting information, by segment

	Three Months Ended March 31, 2015
	Retail		Mortgage		Consumer
(Dollars in thousands)	Banking		Banking		Finance		Other		Eliminations		Consolidated
Revenues:
Interest income	$	10,549	$	294	$	11,119	$	—	$	(1,159)	$	20,803
Gains on sales of loans		—		1,645		—		—		—		1,645
Other noninterest income		2,181		596		287		392		—		3,456
Total operating income		12,730		2,535		11,406		392		(1,159)		25,904
Expenses:
Provision for loan losses		—		15		3,500		—		—		3,515
Interest expense		1,332		48		1,521		289		(1,159)		2,031
Salaries and employee benefits		5,937		1,389		2,439		399		—		10,164
Other noninterest expenses		4,256		1,004		1,180		146		—		6,586
Total operating expenses		11,525		2,456		8,640		834		(1,159)		22,296
Income (loss) before income taxes		1,205		79		2,766		(442)		—		3,608
Income tax expense (benefit)		20		32		1,079		(168)		—		963
Net income (loss)	$	1,185	$	47	$	1,687	$	(274)	$	—	$	2,645
Total assets	$	1,203,194	$	55,406	$	277,160	$	4,302	$	(176,237)	$	1,363,825
Goodwill	$	3,702	$	—	$	10,723	$	—	$	—	$	14,425
Capital expenditures	$	241	$	31	$	35	$	1	$	—	$	308

	Three Months Ended March 31, 2014
	Retail		Mortgage		Consumer
(Dollars in thousands)	Banking		Banking		Finance		Other		Eliminations		Consolidated
Revenues:
Interest income	$	10,768	$	298	$	11,438	$	—	$	(1,210)	$	21,294
Gains on sales of loans		—		1,169		—		—		—		1,169
Other noninterest income		2,225		615		301		341		—		3,482
Total operating income		12,993		2,082		11,739		341		(1,210)		25,945
Expenses:
Provision for loan losses		—		15		3,495		—		—		3,510
Interest expense		1,575		44		1,574		237		(1,210)		2,220
Salaries and employee benefits		5,850		961		2,147		201		—		9,159
Other noninterest expenses		4,576		1,037		1,084		235		—		6,932
Total operating expenses		12,001		2,057		8,300		673		(1,210)		21,821
Income (loss) before income taxes		992		25		3,439		(332)		—		4,124
Income tax expense (benefit)		8		10		1,341		(127)		—		1,232
Net income (loss)	$	984	$	15	$	2,098	$	(205)	$	—	$	2,892
Total assets	$	1,181,492	$	43,238	$	277,980	$	3,858	$	(166,715)	$	1,339,853
Goodwill	$	3,702	$	—	$	10,723	$	—	$	—	$	14,425
Capital expenditures	$	468	$	34	$	5	$	1	$	—	$	508