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Note R - Segment Information
 12 Months Ended
Dec. 31, 2016
Notes to Financial Statements  
Segment Reporting Disclosure [Text Block]
 
Note
R
- 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
91.6%,
90.9%
and
90.6%
  of total consolidated revenues for the years ended
December
31,
2016,
2015
and
2014,
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. All goodwill is in the Banking segment.
 
 
Segment information is as follows:
 
 
 
Year Ended December 31, 2016
 
 
 
Banking
 
 
Consumer
Finance
 
 
Total
Company
 
Net interest income
 
$
33,019
 
 
$
3,307
 
 
$
36,326
 
Provision expense
 
  
2,665
 
 
  
161
 
 
  
2,826
 
Noninterest income
 
  
7,589
 
 
  
650
 
 
  
8,239
 
Noninterest expense
 
  
30,257
 
 
  
2,642
 
 
  
32,899
 
Tax expense
 
  
1,530
 
 
  
390
 
 
  
1,920
 
Net income
 
  
6,156
 
 
  
764
 
 
  
6,920
 
Assets
 
  
941,907
 
 
  
12,733
 
 
  
954,640
 
 
 
 
 
Year Ended December 31, 2015
 
 
 
Banking
 
 
Consumer
Finance
 
 
Total
Company
 
Net interest income
 
$
30,175
 
 
$
3,320
 
 
$
33,495
 
Provision expense
 
  
1,055
 
 
  
35
 
 
  
1,090
 
Noninterest income
 
  
7,880
 
 
  
717
 
 
  
8,597
 
Noninterest expense
 
  
26,983
 
 
  
2,636
 
 
  
29,619
 
Tax expense
 
  
2,347
 
 
  
462
 
 
  
2,809
 
Net income
 
  
7,670
 
 
  
904
 
 
  
8,574
 
Assets
 
  
782,715
 
 
  
13,570
 
 
  
796,285
 
 
 
 
 
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