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Note R - Segment Information | 12 Months Ended
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Dec. 31, 2019
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 94.2%, 92.9%, and 92.7% of total consolidated revenues for the years ended December 31, 2019, 2018 and 2017, 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, 2019 |
|  | Banking |  |  | Consumer Finance |  |  | Total Company |
Net interest income |  | $ | 39,865 |  |  | $ | 3,187 |  |  | $ | 43,052 |
Provision expense |  |  | 875 |  |  |  | 125 |  |  |  | 1,000 |
Noninterest income |  |  | 8,989 |  |  |  | 177 |  |  |  | 9,166 |
Noninterest expense |  |  | 37,026 |  |  |  | 2,472 |  |  |  | 39,498 |
Tax expense |  |  | 1,653 |  |  |  | 160 |  |  |  | 1,813 |
Net income |  |  | 9,300 |  |  |  | 607 |  |  |  | 9,907 |
Assets |  |  | 1,000,315 |  |  |  | 12,957 |  |  |  | 1,013,272 |
|  | Year Ended December 31, 2018 |
|  | Banking |  |  | Consumer Finance |  |  | Total Company |
Net interest income |  | $ | 40,380 |  |  | $ | 3,346 |  |  | $ | 43,726 |
Provision expense |  |  | 850 |  |  |  | 189 |  |  |  | 1,039 |
Noninterest income |  |  | 8,243 |  |  |  | 695 |  |  |  | 8,938 |
Noninterest expense |  |  | 34,841 |  |  |  | 2,585 |  |  |  | 37,426 |
Tax expense |  |  | 1,990 |  |  |  | 265 |  |  |  | 2,255 |
Net income |  |  | 10,942 |  |  |  | 1,002 |  |  |  | 11,944 |
Assets |  |  | 1,017,902 |  |  |  | 12,591 |  |  |  | 1,030,493 |
|  | Year Ended December 31, 2017 |
|  | Banking |  |  | Consumer Finance |  |  | Total Company |
Net interest income |  | $ | 38,366 |  |  | $ | 3,367 |  |  | $ | 41,733 |
Provision expense |  |  | 2,415 |  |  |  | 149 |  |  |  | 2,564 |
Noninterest income |  |  | 8,834 |  |  |  | 601 |  |  |  | 9,435 |
Noninterest expense |  |  | 34,079 |  |  |  | 2,530 |  |  |  | 36,609 |
Tax expense |  |  | 3,973 |  |  |  | 513 |  |  |  | 4,486 |
Net income |  |  | 6,733 |  |  |  | 776 |  |  |  | 7,509 |
Assets |  |  | 1,013,386 |  |  |  | 12,904 |  |  |  | 1,026,290 |

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- 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 + Details
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