Note 7 - Segment Information

3 Months Ended

Mar. 31, 2018

Segment Reporting Disclosure [Text Block]

NOTE

– 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

88.27%

and

87.7%

of total consolidated revenues for the quarters end

March 31, 2018

and

2017,

respectively.

The accounting policies used for the Company's reportable segments are the same as those described in Note

- 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, 2018
	Banking		Consumer Finance		Total Company
Net interest income	$	10,089	$	1,421	$	11,510
Provision expense		600		156		756
Noninterest income		2,672		404		3,076
Noninterest expense		9,068		740		9,808
Tax expense		461		195		656
Net income		2,632		734		3,366
Assets		1,085,123		11,298		1,096,421

	Three Months Ended March 31, 2017
	Banking		Consumer Finance		Total Company
Net interest income	$	9,390	$	1,475	$	10,865
Provision expense		25		120		145
Noninterest income		2,779		334		3,113
Noninterest expense		8,582		793		9,375
Tax expense		937		304		1,241
Net income		2,626		591		3,217
Assets		1,025,871		10,861		1,036,732