Note 7 - Segment Information

9 Months Ended

Sep. 30, 2015

Segment Reporting [Abstract]

Segment Reporting Disclosure [Text Block]

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 90.2% and 90.2% of total consolidated revenues for the quarters ended September 30, 2015 and 2014, 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 September 30, 2015
	Banking		Consumer Finance			Total Company
Net interest income	$	7,627	$	658		$	8,285
Provision expense		10		(21	)		(11	)
Noninterest income		1,522		62			1,584
Noninterest expense		7,106		621			7,727
Tax expense		471		40			511
Net income		1,562		80			1,642
Assets		795,458		13,008			808,466

	Three Months Ended September 30, 2014
	Banking			Consumer Finance		Total Company
Net interest income	$	7,612		$	596	$	8,208
Provision expense		(715	)		33		(682	)
Noninterest income		2,044			62		2,106
Noninterest expense		6,684			560		7,244
Tax expense		989			21		1,010
Net income		2,698			44		2,742
Assets		764,171			13,006		777,177

	Nine Months Ended September 30, 2015
	Banking		Consumer Finance		Total Company
Net interest income	$	22,690	$	2,674	$	25,364
Provision expense		685		25		710
Noninterest income		6,351		639		6,990
Noninterest expense		20,679		2,029		22,708
Tax expense		1,834		426		2,260
Net income		5,843		833		6,676
Assets		795,458		13,008		808,466

	Nine Months Ended September 30, 2014
	Banking		Consumer Finance		Total Company
Net interest income	$	22,593	$	2,584	$	25,177
Provision expense		1,085		113		1,198
Noninterest income		7,332		804		8,136
Noninterest expense		19,657		1,879		21,536
Tax expense		2,457		472		2,929
Net income		6,726		924		7,650
Assets		764,171		13,006		777,177