Note P - Segment Information

12 Months Ended

Dec. 31, 2013

Segment Reporting [Abstract]

Segment Reporting Disclosure [Text Block]

Note P - 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 90.5%, 91.2% and 91.8%  of total consolidated revenues for the years ended December 31, 2013, 2012 and 2011, respectively.

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

Segment information is as follows:

	Year Ended December 31, 2013
	Banking		Consumer Finance		Total Company
Net interest income	$	29,141	$	3,244	$	32,385
Provision expense		364		113		477
Noninterest income		7,711		807		8,518
Noninterest expense		26,914		2,461		29,375
Tax expense		2,440		499		2,939
Net income		7,134		978		8,112
Assets		732,905		14,463		747,368

	Year Ended December 31, 2012
	Banking		Consumer Finance		Total Company
Net interest income	$	29,445	$	3,210	$	32,655
Provision expense		1,527		56		1,583
Noninterest income		7,734		749		8,483
Noninterest expense		27,384		2,357		29,741
Tax expense		2,240		522		2,762
Net income		6,028		1,024		7,052
Assets		754,490		14,733		769,223

	Year Ended December 31, 2011
	Banking		Consumer Finance		Total Company
Net interest income	$	30,792	$	3,079	$	33,871
Provision expense		4,809		87		4,896
Noninterest income		6,327		895		7,222
Noninterest expense		26,130		2,169		28,299
Tax expense		1,483		580		2,063
Net income		4,697		1,138		5,835
Assets		789,744		14,433		804,177