Note 16 - Segment Information

12 Months Ended

Dec. 31, 2015

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 90.9%, 90.6% and 90.5%  of total consolidated revenues for the years ended December 31, 2015, 2014 and 2013, 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, 2015
	Banking		Consumer Finance		Total Company
Net interest income	$	30,175	$	3,320	$	33,495
Provision expense		1,055		35		1,090
Noninterest income		7,880		717		8,597
Noninterest expense		26,983		2,636		29,619
Tax expense		2,347		462		2,809
Net income		7,670		904		8,574
Assets		782,715		13,570		796,285

	Year Ended December 31, 2014
	Banking		Consumer Finance		Total Company
Net interest income	$	30,172	$	3,308	$	33,480
Provision expense		2,645		142		2,787
Noninterest income		8,897		896		9,793
Noninterest expense		26,806		2,487		29,293
Tax expense		2,587		533		3,120
Net income		7,031		1,042		8,073
Assets		764,510		14,158		778,668

	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