Note 7 - Segment Information

6 Months Ended

Jun. 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 88.9% and 88.6% of total consolidated revenues for the quarters ended June 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 June 30, 2015
	Banking		Consumer Finance			Total Company
Net interest income	$	7,502	$	647		$	8,149
Provision expense		850		(51	)		799
Noninterest income		1,786		131			1,917
Noninterest expense		6,866		688			7,554
Tax expense		256		47			303
Net income		1,316		94			1,410
Assets		787,363		13,010			800,373

	Three Months Ended June 30, 2014
	Banking		Consumer Finance			Total Company
Net interest income	$	7,560	$	627		$	8,187
Provision expense		1,425		(39	)		1,386
Noninterest income		1,715		197			1,912
Noninterest expense		6,362		635			6,997
Tax expense		295		77			372
Net income		1,193		151			1,344
Assets		750,387		13,426			763,813

	Six Months Ended June 30, 2015
	Banking		Consumer Finance		Total Company
Net interest income	$	15,063	$	2,016	$	17,079
Provision expense		675		46		721
Noninterest income		4,829		577		5,406
Noninterest expense		13,573		1,408		14,981
Tax expense		1,363		386		1,749
Net income		4,281		753		5,034
Assets		787,363		13,010		800,373

	Six Months Ended June 30, 2014
	Banking		Consumer Finance		Total Company
Net interest income	$	14,981	$	1,988	$	16,969
Provision expense		1,800		80		1,880
Noninterest income		5,288		742		6,030
Noninterest expense		12,973		1,319		14,292
Tax expense		1,468		451		1,919
Net income		4,028		880		4,908
Assets		750,387		13,426		763,813