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Note 7 - Segment Information
 6 Months Ended
Jun. 30, 2014
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 88.6% and 89.1% of total consolidated revenues for the quarters ended June 30, 2014 and 2013, 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, 2014  
   

Banking

   

Consumer

Finance

   

Total Company

 
                         

Net interest income

  $ 7,560     $ 627     $ 8,187  

Provision expense

  $ 1,425     $ (39 )   $ 1,386  

Noninterest income

  $ 1,715     $ 197     $ 1,912  

Noninterest expense

  $ 6,362     $ 635     $ 6,997  

Tax expense

  $ 295     $ 77     $ 372  

Net income

  $ 1,193     $ 151     $ 1,344  

Assets

  $ 750,387     $ 13,426     $ 763,813  

    Three Months Ended June 30, 2013  
   

Banking

   

Consumer

Finance

   

Total Company

 
                         

Net interest income

  $ 7,198     $ 643     $ 7,841  

Provision expense

  $ (200 )   $ 11     $ (189 )

Noninterest income

  $ 1,792     $ 173     $ 1,965  

Noninterest expense

  $ 6,706     $ 611     $ 7,317  

Tax expense

  $ 671     $ 65     $ 736  

Net income

  $ 1,813     $ 129     $ 1,942  

Assets

  $ 738,236     $ 13,876     $ 752,112  

    Six Months Ended June 30, 2014   
   

Banking

   

Consumer

Finance

   

Total Company

 
                         

Net interest income

  $ 14,981     $ 1,988     $ 16,969  

Provision expense

  $ 1,800     $ 80     $ 1,880  

Noninterest income

  $ 5,288     $ 742     $ 6,030  

Noninterest expense

  $ 12,973     $ 1,319     $ 14,292  

Tax expense

  $ 1,468     $ 451     $ 1,919  

Net income

  $ 4,028     $ 880     $ 4,908  

Assets

  $ 750,387     $ 13,426     $ 763,813  

    Six Months Ended June 30, 2013  
   

Banking

   

Consumer

Finance

   

Total Company

 
                         

Net interest income

  $ 14,347     $ 1,915     $ 16,262  

Provision expense

  $ (265 )   $ 107     $ (158 )

Noninterest income

  $ 5,285     $ 620     $ 5,905  

Noninterest expense

  $ 14,002     $ 1,263     $ 15,265  

Tax expense

  $ 1,501     $ 394     $ 1,895  

Net income

  $ 4,394     $ 771     $ 5,165  

Assets

  $ 738,236     $ 13,876     $ 752,112