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Note R - Segment Information - Segment Reporting (Details) - USD ($)
$ in Thousands
3 Months Ended 12 Months Ended
Dec. 31, 2016
Sep. 30, 2016
Jun. 30, 2016
Mar. 31, 2016
Dec. 31, 2015
Sep. 30, 2015
Jun. 30, 2015
Mar. 31, 2015
Dec. 31, 2014
Sep. 30, 2014
Jun. 30, 2014
Mar. 31, 2014
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2014
Aug. 05, 2016
Net interest income $ 10,035 $ 8,985 $ 8,206 $ 9,100 $ 8,131 $ 8,285 $ 8,149 $ 8,930 $ 8,303 $ 8,208 $ 8,187 $ 8,782 $ 36,326 $ 33,495 $ 33,480  
Provision expense 498 [1] 1,708 [1] 141 [1] 479 [1] 380 [2] (11) [2] 799 [2] (78) [2] 1,589 [3] (682) [3] 1,386 [3] 494 [3] 2,826 1,090 2,787  
Noninterest income 1,450 [4] 1,693 [4] 1,861 [4] 3,235 [4] 1,607 [4] 1,584 [4] 1,917 [4] 3,489 [4] 1,657 [4] 2,106 [4] 1,912 [4] 4,118 [4] 8,239 8,597 9,793  
Noninterest expense 8,329 8,828 7,773 7,969 6,911 7,727 7,554 7,427 7,757 7,244 6,997 7,295 32,899 29,619 29,293  
Tax expense                         1,920 2,809 3,120  
Net income 2,024 $ 358 $ 1,706 $ 2,832 1,898 $ 1,642 $ 1,410 $ 3,624 423 $ 2,742 $ 1,344 $ 3,564 6,920 8,574 8,073  
Assets 954,640       796,285       778,668       954,640 796,285 778,668 $ 950,000
Banking [Member]                                
Net interest income                         33,019 30,175 30,172  
Provision expense                         2,665 1,055 2,645  
Noninterest income                         7,589 7,880 8,897  
Noninterest expense                         30,257 26,983 26,806  
Tax expense                         1,530 2,347 2,587  
Net income                         6,156 7,670 7,031  
Assets 941,907       782,715       764,510       941,907 782,715 764,510  
Consumer Finance [Member]                                
Net interest income                         3,307 3,320 3,308  
Provision expense                         161 35 142  
Noninterest income                         650 717 896  
Noninterest expense                         2,642 2,636 2,487  
Tax expense                         390 462 533  
Net income                         764 904 1,042  
Assets $ 12,733       $ 13,570       $ 14,158       $ 12,733 $ 13,570 $ 14,158  
[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] 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.
[4] 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.