Note 7 - Segment Information

3 Months Ended

Mar. 31, 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 85.9% and 85.7% of total consolidated revenues for the quarters ended March 31, 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 March 31, 2015
	Banking			Consumer Finance		Total Company
Net interest income	$	7,561		$	1,369	$	8,930
Provision expense	$	(175	)	$	97	$	(78	)
Noninterest income	$	3,043		$	446	$	3,489
Noninterest expense	$	6,707		$	720	$	7,427
Tax expense	$	1,107		$	339	$	1,446
Net income	$	2,965		$	659	$	3,624
Assets	$	855,500		$	12,485	$	867,985

	Three Months Ended March 31, 2014
	Banking		Consumer Finance		Total Company
Net interest income	$	7,421	$	1,361	$	8,782
Provision expense	$	375	$	119	$	494
Noninterest income	$	3,573	$	545	$	4,118
Noninterest expense	$	6,611	$	684	$	7,295
Tax expense	$	1,173	$	374	$	1,547
Net income	$	2,835	$	729	$	3,564
Assets	$	812,584	$	12,951	$	825,535