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Note 7 - Segment Information

9 Months Ended

Sep. 30, 2018

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

92.6%

and

92.2%

of total consolidated revenues for the quarters end

September 30, 2018

and

2017,

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, 2018
		Banking				Consumer Finance				Total Company
Net interest income		$	10,168			$	595			$	10,763
Provision expense			950				12				962
Noninterest income			1,875				52				1,927
Noninterest expense			9,107				654				9,761
Tax expense			226				(5	)			221
Net income			1,760				(14	)			1,746
Assets			1,021,730				11,786				1,033,516

		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

		Nine Months Ended September 30, 2018
		Banking				Consumer Finance				Total Company
Net interest income		$	30,289			$	2,624			$	32,913
Provision expense			1,550				145				1,695
Noninterest income			6,916				625				7,541
Noninterest expense			27,236				2,007				29,243
Tax expense			1,199				229				1,428
Net income			7,220				868				8,088
Assets			1,021,730				11,786				1,033,516

		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

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://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-URI http://asc.fasb.org/topic&trid=2134510

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