XML 55 R27.htm IDEA: XBRL DOCUMENT
v3.19.1

Note S - Consolidated Quarterly Financial Information (Unaudited) | 12 Months Ended
--- | ---
Dec. 31, 2018
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 8 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Total interest income |  | $ | 12,709 |  |  | $ | 11,938 |  |  | $ | 12,181 |  |  | $ | 12,369 |
Total interest expense |  |  | 1,199 |  |  |  | 1,298 |  |  |  | 1,418 |  |  |  | 1,556 |
Net interest income |  |  | 11,510 |  |  |  | 10,640 |  |  |  | 10,763 |  |  |  | 10,813 |
Provision for loan losses ( 1 ) |  |  | 756 |  |  |  | (23 | ) |  |  | 962 |  |  |  | (656 | )
Noninterest income ( 3 ) |  |  | 3,076 |  |  |  | 2,538 |  |  |  | 1,927 |  |  |  | 1,397 |
Noninterest expense |  |  | 9,808 |  |  |  | 9,674 |  |  |  | 9,761 |  |  |  | 8,183 |
Net income |  |  | 3,366 |  |  |  | 2,976 |  |  |  | 1,746 |  |  |  | 3,856 |
Earnings per share |  | $ | 0.71 |  |  | $ | 0.63 |  |  | $ | 0.37 |  |  | $ | 0.82 |
201 7 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Total interest income |  | $ | 11,738 |  |  | $ | 10,989 |  |  | $ | 11,317 |  |  | $ | 11,664 |
Total interest expense |  |  | 873 |  |  |  | 918 |  |  |  | 1,049 |  |  |  | 1,135 |
Net interest income |  |  | 10,865 |  |  |  | 10,071 |  |  |  | 10,268 |  |  |  | 10,529 |
Provision for loan losses ( 2 ) |  |  | 145 |  |  |  | 175 |  |  |  | 1,601 |  |  |  | 643 |
Noninterest income ( 3 ) |  |  | 3,113 |  |  |  | 2,112 |  |  |  | 2,282 |  |  |  | 1,928 |
Noninterest expense |  |  | 9,375 |  |  |  | 9,876 |  |  |  | 9,222 |  |  |  | 8,136 |
Net income |  |  | 3,217 |  |  |  | 1,741 |  |  |  | 1,653 |  |  |  | 898 |
Earnings per share |  | $ | 0.69 |  |  | $ | 0.37 |  |  | $ | 0.35 |  |  | $ | 0.19 |
( 1 ) During the second and fourth quarters of 2018, the Company experienced negative provision expense in large part to the improvement in certain economic risk factors during those periods. This included lower classified loans, as well as the improvements in historical loan loss rates, loan delinquency, and regional unemployment conditions. ( 2 ) During the third quarter of 2017, the Company experienced higher provision expense that was primarily related to general increases in specific allocations and increases in charge-offs within the commercial and residential real estate portfolios. ( 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.

X
- References No definition available. + Details
Name: | us-gaap_DisclosureTextBlockAbstract
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition The entire disclosure for quarterly financial data. Includes, but is not limited to, tabular presentation of financial information for fiscal quarters, effect of year-end adjustments, and an explanation of matters or transactions that affect comparability of the information. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 270 -URI http://asc.fasb.org/topic&trid=2126967 + Details
Name: | us-gaap_QuarterlyFinancialInformationTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration