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Note S - Consolidated Quarterly Financial Information (Unaudited) | 12 Months Ended
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Dec. 31, 2016
Notes to Financial Statements |
Quarterly Financial Information [Text Block] | Note S - Consolidated Quarterly Financial Information (unaudited)
|  | Quarters Ended |
|  | Mar. 31 |  |  | Jun. 30 |  |  | Sept. 30 |  |  | Dec. 31 |
201 6 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Total interest income |  | $ | 9,770 |  |  | $ | 8,913 |  |  | $ | 9,824 |  |  | $ | 10,841 |
Total interest expense |  |  | 670 |  |  |  | 707 |  |  |  | 839 |  |  |  | 806 |
Net interest income |  |  | 9,100 |  |  |  | 8,206 |  |  |  | 8,985 |  |  |  | 10,035 |
Provision for loan losses ( 1 ) |  |  | 479 |  |  |  | 141 |  |  |  | 1,708 |  |  |  | 498 |
Noninterest income ( 3 ) |  |  | 3,235 |  |  |  | 1,861 |  |  |  | 1,693 |  |  |  | 1,450 |
Noninterest expense |  |  | 7,969 |  |  |  | 7,773 |  |  |  | 8,828 |  |  |  | 8,329 |
Net income |  |  | 2,832 |  |  |  | 1,706 |  |  |  | 358 |  |  |  | 2,024 |
Earnings per share |  | $ | 0.69 |  |  | $ | 0.41 |  |  | $ | 0.08 |  |  | $ | 0.43 |
201 5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Total interest income |  | $ | 9,627 |  |  | $ | 8,866 |  |  | $ | 9,016 |  |  | $ | 8,825 |
Total interest expense |  |  | 697 |  |  |  | 717 |  |  |  | 731 |  |  |  | 694 |
Net interest income |  |  | 8,930 |  |  |  | 8,149 |  |  |  | 8,285 |  |  |  | 8,131 |
Provision for loan losses ( 2 ) |  |  | (78 | ) |  |  | 799 |  |  |  | (11 | ) |  |  | 380 |
Noninterest income ( 3 ) |  |  | 3,489 |  |  |  | 1,917 |  |  |  | 1,584 |  |  |  | 1,607 |
Noninterest expense |  |  | 7,427 |  |  |  | 7,554 |  |  |  | 7,727 |  |  |  | 6,911 |
Net income |  |  | 3,624 |  |  |  | 1,410 |  |  |  | 1,642 |  |  |  | 1,898 |
Earnings per share |  | $ | 0.88 |  |  | $ | 0.34 |  |  | $ | 0.40 |  |  | $ | 0.46 |
201 4 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Total interest income |  | $ | 9,508 |  |  | $ | 8,925 |  |  | $ | 8,904 |  |  | $ | 9,018 |
Total interest expense |  |  | 726 |  |  |  | 738 |  |  |  | 696 |  |  |  | 715 |
Net interest income |  |  | 8,782 |  |  |  | 8,187 |  |  |  | 8,208 |  |  |  | 8,303 |
Provision for loan losses ( 4 ) |  |  | 494 |  |  |  | 1,386 |  |  |  | (682 | ) |  |  | 1,589 |
Noninterest income ( 3 ) |  |  | 4,118 |  |  |  | 1,912 |  |  |  | 2,106 |  |  |  | 1,657 |
Noninterest expense |  |  | 7,295 |  |  |  | 6,997 |  |  |  | 7,244 |  |  |  | 7,757 |
Net income |  |  | 3,564 |  |  |  | 1,344 |  |  |  | 2,742 |  |  |  | 423 |
Earnings per share |  | $ | 0.87 |  |  | $ | 0.33 |  |  | $ | 0.67 |  |  | $ | 0.10 |
(1) During the third quarter of 2016, the Company experienced higher provision expense that was primarily related to an increase in specific allocations impacted by the decline in collateral values of two impaired commercial real estate loan relationships. A re-appraisal of the commercial properties securing the loans identified further collateral depreciation, which resulted in a $2,435 increase to the specific allocations related to the loans. (2) During the first and third quarters of 2015, the Company experienced negative provision expense as a result of lower general allocations of the allowance for loan losses. General allocations were impacted by improved economic trends that include: decreasing historical loan loss factor, lower delinquencies and lower classified/criticized assets. (3) The Company’s noninterest income was significantly impacted by seasonal tax refund processing fees. The Bank serves as a facilitator for the clearing of tax refunds for a single tax refund product provider. The Bank processes electronic refund checks/deposits associated with taxpayer refunds, and will, in turn, receive a fee paid by the third -party tax refund product provider for each transaction processed. Due to the seasonal nature of tax refund transactions, the majority of income was recorded during the first quarter. (4) During the third quarter of 2014, the Company experienced negative provision expense that was primarily related to a decrease in specific allocations impacted by the improvement in collateral values of an impaired commercial real estate loan relationship. A re-appraisal of the commercial properties securing the loan identified asset appreciation, which resulted in a $524 reduction to the specific allocation related to the loan.

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