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Note 16 - Segment Information
 12 Months Ended
Dec. 31, 2014
Segment Reporting [Abstract]  
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 90.6%, 90.5% and 91.2%  of total consolidated revenues for the years ended December 31, 2014, 2013 and 2012, 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 is as follows:


   

Year Ended December 31, 2014

 
   

Banking

   

Consumer

Finance

   

Total

Company

 

Net interest income

  $ 30,172     $ 3,308     $ 33,480  

Provision expense

    2,645       142       2,787  

Noninterest income

    8,897       896       9,793  

Noninterest expense

    26,806       2,487       29,293  

Tax expense

    2,587       533       3,120  

Net income

    7,031       1,042       8,073  

Assets

    764,510       14,158       778,668  

   

Year Ended December 31, 2013

 
   

Banking

   

Consumer

Finance

   

Total

Company

 

Net interest income

  $ 29,141     $ 3,244     $ 32,385  

Provision expense

    364       113       477  

Noninterest income

    7,711       807       8,518  

Noninterest expense

    26,914       2,461       29,375  

Tax expense

    2,440       499       2,939  

Net income

    7,134       978       8,112  

Assets

    732,905       14,463       747,368  

   

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