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Note 7 - Segment Information

9 Months Ended

Sep. 30, 2017

Notes to Financial Statements

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

92.2%

and

90.9%

of total consolidated revenues for the quarters ended

September 30, 2017

and

2016,

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 September 30, 2017
		Banking				Consumer Finance				Total Company
Net interest income		$	9,681			$	587			$	10,268
Provision expense			1,615				(14	)			1,601
Noninterest income			2,224				58				2,282
Noninterest expense			8,579				643				9,222
Tax expense			69				5				74
Net income			1,642				11				1,653
Assets			1,008,078				11,536				1,019,614

		Three Months Ended September 30, 2016
		Banking				Consumer Finance				Total Company
Net interest income		$	8,396			$	589			$	8,985
Provision expense			1,675				33				1,708
Noninterest income			1,655				38				1,693
Noninterest expense			8,167				661				8,828
Tax expense			(193	)			(23	)			(216	)
Net income			402				(44	)			358
Assets			957,889				12,341				970,230

		Nine Months Ended September 30, 2017
		Banking				Consumer Finance				Total Company
Net interest income		$	28,558			$	2,646			$	31,204
Provision expense			1,815				106				1,921
Noninterest income			6,965				542				7,507
Noninterest expense			26,477				1,996				28,473
Tax expense			1,338				368				1,706
Net income			5,893				718				6,611
Assets			1,008,078				11,536				1,019,614

		Nine Months Ended September 30, 2016
		Banking				Consumer Finance				Total Company
Net interest income		$	23,684			$	2,607			$	26,291
Provision expense			2,180				148				2,328
Noninterest income			6,220				569				6,789
Noninterest expense			22,460				2,110				24,570
Tax expense			975				311				1,286
Net income			4,289				607				4,896
Assets			957,889				12,341				970,230

X

- References

No definition available.

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X

- Definition

The entire disclosure for reporting segments including data and tables. Reportable segments include those that meet any of the following quantitative thresholds a) it's reported revenue, including sales to external customers and intersegment sales or transfers is 10 percent or more of the combined revenue, internal and external, of all operating segments b) the absolute amount of its reported profit or loss is 10 percent or more of the greater, in absolute amount of 1) the combined reported profit of all operating segments that did not report a loss or 2) the combined reported loss of all operating segments that did report a loss c) its assets are 10 percent or more of the combined assets of all operating segments.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-URI http://asc.fasb.org/topic&trid=2134510

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