Note 7 - Segment Information

9 Months Ended

Sep. 30, 2014

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% of total consolidated revenues for both the nine months ended September 30, 2014 and 2013, 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, 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

	Three Months Ended September 30, 2013
	Banking		Consumer Finance		Total Company
Net interest income	$	7,294	$	636	$	7,930
Provision expense	$	819	$	14	$	833
Noninterest income	$	1,497	$	77	$	1,574
Noninterest expense	$	6,743	$	577	$	7,320
Tax expense	$	249	$	41	$	290
Net income	$	980	$	81	$	1,061
Assets	$	733,578	$	13,928	$	747,506

	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

	Nine Months Ended September 30, 2013
	Banking		Consumer Finance		Total Company
Net interest income	$	21,641	$	2,551	$	24,192
Provision expense	$	554	$	121	$	675
Noninterest income	$	6,782	$	697	$	7,479
Noninterest expense	$	20,745	$	1,840	$	22,585
Tax expense	$	1,750	$	435	$	2,185
Net income	$	5,374	$	852	$	6,226
Assets	$	733,578	$	13,928	$	747,506