Note 7 - Segment Information

3 Months Ended

Mar. 31, 2016

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 85.7% and 85.9% of total consolidated revenues for the quarters ended March 31, 2016 and 2015, 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, 2016
	Banking		Consumer Finance		Total Company
Net interest income	$	7,671	$	1,429	$	9,100
Provision expense		375		104		479
Noninterest income		2,832		403		3,235
Noninterest expense		7,194		775		7,969
Tax expense		731		324		1,055
Net income		2,202		630		2,832
Assets		871,819		11,698		883,517

	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