Note 7 - Segment Information

3 Months Ended

Mar. 31, 2013

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 86.8% and 87.8% of total consolidated revenues for the years ended March 31, 2013 and 2012, 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, 2013
	Banking			Consumer Finance		Total Company
Net interest income	$	7,149		$	1,272	$	8,421
Provision expense	$	(65	)	$	96	$	31
Noninterest income	$	3,493		$	447	$	3,940
Noninterest expense	$	7,296		$	652	$	7,948
Tax expense	$	830		$	329	$	1,159
Net income	$	2,581		$	642	$	3,223
Assets	$	821,720		$	13,188	$	834,908

	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