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Note 16 - Segment Information
 12 Months Ended
Dec. 31, 2012
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 91.2%, 91.8% and 92.9%  of total consolidated revenues for the years ended December 31, 2012, 2011 and 2010, 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 for the years ended December 31, is as follows:

    Year Ended December 31, 2012  
   
Banking
   
Consumer Finance
   
Total Company
 
Net interest income
  $ 29,445     $ 3,210     $ 32,655  
Provision expense
  $ 1,527     $ 56     $ 1,583  
Noninterest income
  $ 7,734     $ 749     $ 8,483  
Noninterest expense
  $ 27,384     $ 2,357     $ 29,741  
Tax expense
  $ 2,240     $ 522     $ 2,762  
Net income
  $ 6,028     $ 1,024     $ 7,052  
Assets
  $ 754,490     $ 14,733     $ 769,223  

    Year Ended December 31, 2011  
   
Banking
   
Consumer Finance
    Total Company  
Net interest income
  $ 30,792     $ 3,079     $ 33,871  
Provision expense
  $ 4,809     $ 87     $ 4,896  
Noninterest income
  $ 6,327     $ 895     $ 7,222  
Noninterest expense
  $ 26,130     $ 2,169     $ 28,299  
Tax expense
  $ 1,483     $ 580     $ 2,063  
Net income
  $ 4,697     $ 1,138     $ 5,835  
Assets
  $ 789,744     $ 14,433     $ 804,177  

    Year Ended December 31, 2010  
   
Banking
   
Consumer Finance
    Total Company  
Net interest income
  $ 30,074     $ 2,893     $ 32,967  
Provision expense
  $ 5,717     $ 154     $ 5,871  
Noninterest income
  $ 5,578     $ 576     $ 6,154  
Noninterest expense
  $ 24,756     $ 1,887     $ 26,643  
Tax expense
  $ 1,029     $ 482     $ 1,511  
Net income
  $ 4,149     $ 947     $ 5,096  
Assets
  $ 837,359     $ 14,155     $ 851,514