Note 7 - Segment Information

6 Months Ended

Jun. 30, 2017

Notes to Financial Statements

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

90.8%

and

89.1%

of total consolidated revenues for the quarters ended

June 30, 2017

and

2016,

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, 2017
	Banking		Consumer Finance		Total Company
Net interest income	$	9,487	$	584	$	10,071
Provision expense		175		----		175
Noninterest income		1,962		150		2,112
Noninterest expense		9,316		560		9,876
Tax expense		332		59		391
Net income		1,626		115		1,741
Assets		968,864		11,292		980,156

	Three Months Ended June 30, 2016
	Banking		Consumer Finance		Total Company
Net interest income	$	7,617	$	589	$	8,206
Provision expense		130		11		141
Noninterest income		1,734		127		1,861
Noninterest expense		7,099		674		7,773
Tax expense		438		9		447
Net income		1,684		22		1,706
Assets		814,176		12,273		826,449

	Six Months Ended June 30, 2017
	Banking		Consumer Finance		Total Company
Net interest income	$	18,877	$	2,059	$	20,936
Provision expense		200		120		320
Noninterest income		4,741		484		5,225
Noninterest expense		17,898		1,353		19,251
Tax expense		1,269		363		1,632
Net income		4,251		707		4,958
Assets		968,864		11,292		980,156

	Six Months Ended June 30, 2016
	Banking		Consumer Finance		Total Company
Net interest income	$	15,288	$	2,018	$	17,306
Provision expense		505		115		620
Noninterest income		4,566		530		5,096
Noninterest expense		14,293		1,449		15,742
Tax expense		1,169		333		1,502
Net income		3,887		651		4,538
Assets		814,176		12,273		826,449