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Note 17 - Segment Reporting | 12 Months Ended
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Dec. 31, 2016
Notes to Financial Statements |
Segment Reporting Disclosure [Text Block] |
17. | SEGMENT REPORTING
Under ASC Topic 280, Segment Reporting , certain information is disclosed for the two reportable operating segments of Bancshares: the Bank and ALC. The reportable segments were determined using the internal management reporting system. These segments comprise Bancshares’ and the Bank’s significant subsidiaries. The accounting policies for each segment are the same as those described in Note 2, “Summary of Significant Accounting Policies.” The segment results include certain overhead allocations and intercompany transactions that were recorded at current market prices. All intercompany transactions have been eliminated to determine the consolidated balances. The results for the two reportable segments of the Company are included in the tables below.
|  | 2016 |
|  | Bank |  |  | ALC |  |  | All Other |  |  | Eliminations |  |  | Consolidated |
|  | (Dollars in Thousands) |
Total interest income |  | $ | 17,307 |  |  | $ | 17,070 |  |  | $ | 12 |  |  | $ | (4,234 | ) |  | $ | 30,155 |
Total interest expense |  |  | 2,281 |  |  |  | 4,224 |  |  |  | — |  |  |  | (4,234 | ) |  |  | 2,271 |
Net interest income |  |  | 15,026 |  |  |  | 12,846 |  |  |  | 12 |  |  |  | — |  |  |  | 27,884 |
Provision for loan losses |  |  | 886 |  |  |  | 2,311 |  |  |  | — |  |  |  | — |  |  |  | 3,197 |
Net interest income after provision |  |  | 14,140 |  |  |  | 10,535 |  |  |  | 12 |  |  |  | — |  |  |  | 24,687 |
Total non-interest income |  |  | 3,810 |  |  |  | 1,190 |  |  |  | 817 |  |  |  | (616 | ) |  |  | 5,201 |
Total non-interest expense |  |  | 17,837 |  |  |  | 9,588 |  |  |  | 1,686 |  |  |  | (616 | ) |  |  | 28,495 |
Income (loss) before income taxes |  |  | 113 |  |  |  | 2,137 |  |  |  | (857 | ) |  |  | — |  |  |  | 1,393 |
Provision for income taxes |  |  | (185 | ) |  |  | 738 |  |  |  | (384 | ) |  |  | — |  |  |  | 169 |
Net income (loss) |  | $ | 298 |  |  | $ | 1,399 |  |  | $ | (473 | ) |  | $ | — |  |  | $ | 1,224 |
Other significant items: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Total assets |  | $ | 608,324 |  |  | $ | 89,392 |  |  | $ | 81,565 |  |  | $ | (172,389 | ) |  | $ | 606,892 |
Total investment securities |  |  | 207,734 |  |  |  | — |  |  |  | 80 |  |  |  | — |  |  |  | 207,814 |
Total loans, net |  |  | 315,152 |  |  |  | 85,530 |  |  |  | — |  |  |  | (77,910 | ) |  |  | 322,772 |
Investment in subsidiaries |  |  | 5 |  |  |  | — |  |  |  | 75,941 |  |  |  | (75,941 | ) |  |  | 5 |
Fixed asset additions |  |  | 7,858 |  |  |  | 33 |  |  |  | — |  |  |  | — |  |  |  | 7,891 |
Depreciation and amortization expense |  |  | 759 |  |  |  | 207 |  |  |  | — |  |  |  | — |  |  |  | 966 |
Total interest income from external customers |  |  | 13,083 |  |  |  | 17,071 |  |  |  | 1 |  |  |  | — |  |  |  | 30,155 |
Total interest income from affiliates |  |  | 4,224 |  |  |  | — |  |  |  | 11 |  |  |  | (4,235 | ) |  |  | — |
|  | 2015 |
|  | Bank |  |  | ALC |  |  | All Other |  |  | Eliminations |  |  | Consolidated |
|  | (Dollars in Thousands) |
Total interest income |  | $ | 17,398 |  |  | $ | 16,312 |  |  | $ | 11 |  |  | $ | (3,824 | ) |  | $ | 29,897 |
Total interest expense |  |  | 2,299 |  |  |  | 3,814 |  |  |  | — |  |  |  | (3,824 | ) |  |  | 2,289 |
Net interest income |  |  | 15,099 |  |  |  | 12,498 |  |  |  | 11 |  |  |  | — |  |  |  | 27,608 |
Provision (reduction in reserve) for loan losses |  |  | (1,559 | ) |  |  | 1,775 |  |  |  | — |  |  |  | — |  |  |  | 216 |
Net interest income after provision (reduction in reserve) |  |  | 16,658 |  |  |  | 10,723 |  |  |  | 11 |  |  |  | — |  |  |  | 27,392 |
Total non-interest income |  |  | 3,675 |  |  |  | 934 |  |  |  | 501 |  |  |  | (579 | ) |  |  | 4,531 |
Total non-interest expense |  |  | 17,571 |  |  |  | 9,909 |  |  |  | 1,476 |  |  |  | (579 | ) |  |  | 28,377 |
Income (loss) before income taxes |  |  | 2,762 |  |  |  | 1,748 |  |  |  | (964 | ) |  |  | — |  |  |  | 3,546 |
Provision for income taxes |  |  | 697 |  |  |  | 617 |  |  |  | (363 | ) |  |  | — |  |  |  | 951 |
Net income (loss) |  | $ | 2,065 |  |  | $ | 1,131 |  |  | $ | (601 | ) |  | $ | — |  |  | $ | 2,595 |
Other significant items: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Total assets |  | $ | 577,292 |  |  | $ | 85,887 |  |  | $ | 82,292 |  |  | $ | (169,689 | ) |  | $ | 575,782 |
Total investment securities |  |  | 231,122 |  |  |  | — |  |  |  | 80 |  |  |  | — |  |  |  | 231,202 |
Total loans, net |  |  | 248,601 |  |  |  | 81,697 |  |  |  | — |  |  |  | (74,866 | ) |  |  | 255,432 |
Investment in subsidiaries |  |  | 5 |  |  |  | — |  |  |  | 76,891 |  |  |  | (76,891 | ) |  |  | 5 |
Fixed asset additions |  |  | 3,375 |  |  |  | 289 |  |  |  | — |  |  |  | — |  |  |  | 3,664 |
Depreciation and amortization expense |  |  | 627 |  |  |  | 244 |  |  |  | — |  |  |  | — |  |  |  | 871 |
Total interest income from external customers |  |  | 13,584 |  |  |  | 16,312 |  |  |  | 1 |  |  |  | — |  |  |  | 29,897 |
Total interest income from affiliates |  |  | 3,814 |  |  |  | — |  |  |  | 10 |  |  |  | (3,824 | ) |  |  | — |

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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://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 34 -URI http://asc.fasb.org/extlink&oid=68060357&loc=d3e8981-108599 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 41 -URI http://asc.fasb.org/extlink&oid=68060357&loc=d3e9038-108599 Reference 3: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 33 -URI http://asc.fasb.org/extlink&oid=68060357&loc=d3e8971-108599 Reference 4: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 12 -URI http://asc.fasb.org/extlink&oid=68060357&loc=d3e8595-108599 Reference 5: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 1 -URI http://asc.fasb.org/extlink&oid=68060357&loc=d3e8380-108599 Reference 6: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 32 -URI http://asc.fasb.org/extlink&oid=68060357&loc=d3e8933-108599 Reference 7: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 26 -URI http://asc.fasb.org/extlink&oid=68060357&loc=d3e8844-108599 Reference 8: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 35 -URI http://asc.fasb.org/extlink&oid=68060357&loc=d3e8984-108599 Reference 9: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 40 -URI http://asc.fasb.org/extlink&oid=68060357&loc=d3e9031-108599 Reference 10: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 42 -URI http://asc.fasb.org/extlink&oid=68060357&loc=d3e9054-108599 Reference 11: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 10 -URI http://asc.fasb.org/extlink&oid=68060357&loc=d3e8538-108599 Reference 12: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 29 -URI http://asc.fasb.org/extlink&oid=68060357&loc=d3e8864-108599 Reference 13: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 31 -URI http://asc.fasb.org/extlink&oid=68060357&loc=d3e8924-108599 Reference 14: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 30 -URI http://asc.fasb.org/extlink&oid=68060357&loc=d3e8906-108599 + Details
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