XML 68 R20.htm IDEA: XBRL DOCUMENT v3.3.0.814

LOANS, NET (Tables)

9 Months Ended

Sep. 30, 2015

Loans Net Tables

Schedule of composition of the loan portfolio

Loan Portfolio Composition. The composition of the loan portfolio was as follows:

(Dollars in Thousands)		September 30, 2015				December 31, 2014
Commercial, Financial and Agricultural		$	169,588			$	136,925
Real Estate – Construction			49,475				41,596
Real Estate – Commercial Mortgage			491,734				510,120
Real Estate – Residential(1)			290,784				295,969
Real Estate – Home Equity			232,254				229,572
Consumer(2)			241,348				217,192
Loans, Net of Unearned Income		$	1,475,183			$	1,431,374

⁽¹⁾ Includes loans in process with outstanding balances of $10.4 million and $7.4 million as of September 30, 2015 and December 31, 2014, respectively.

⁽²⁾ Includes overdraft balances of $2.5 million and $2.4 million as of September 30, 2015 and December 31, 2014, respectively.

Schedule of recorded investment in nonaccrual loans and loans past due over 90 days and still on accrual by class of loans

The following table presents the recorded investment in nonaccrual loans and loans past due over 90 days and still on accrual by class of loans.

		September 30, 2015								December 31, 2014
(Dollars in Thousands)		Nonaccrual				90 + Days				Nonaccrual				90 + Days
Commercial, Financial and Agricultural		$	60			$	—			$	507			$	—
Real Estate – Construction			491				—				424				—
Real Estate – Commercial Mortgage			5,844				—				5,806				—
Real Estate – Residential			4,973				—				6,737				—
Real Estate – Home Equity			1,679				—				2,544				—
Consumer			91				—				751				—
Total		$	13,138			$	—			$	16,769			$	—

Schedule of aging of past due loans by class of loans

The following table presents the aging of the recorded investment in past due loans by class of loans.

(Dollars in Thousands)		30-59 DPD				60-89 DPD				90 + DPD				Total Past Due				Total Current				Total Loans
September 30, 2015
Commercial, Financial and Agricultural		$	281			$	3			$	—			$	284			$	169,244			$	169,588
Real Estate – Construction			—				545				—				545				48,439				49,475
Real Estate – Commercial Mortgage			123				113				—				236				485,654				491,734
Real Estate – Residential			682				1,022				—				1,704				284,107				290,784
Real Estate – Home Equity			397				56				—				453				230,122				232,254
Consumer			883				230				—				1,113				240,144				241,348
Total		$	2,366			$	1,969			$	—			$	4,335			$	1,457,710			$	1,475,183
December 31, 2014
Commercial, Financial and Agricultural		$	352			$	155			$	—			$	507			$	135,911			$	136,925
Real Estate – Construction			690				—				—				690				40,482				41,596
Real Estate – Commercial Mortgage			1,701				569				—				2,270				502,044				510,120
Real Estate – Residential			682				1,147				—				1,829				287,403				295,969
Real Estate – Home Equity			689				85				—				774				226,254				229,572
Consumer			625				97				—				722				215,719				217,192
Total		$	4,739			$	2,053			$	—			$	6,792			$	1,407,813			$	1,431,374

Schedule of activity in the allowance for loan losses by portfolio class

Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories.

(Dollars in Thousands)		Commercial, Financial, Agricultural				Real Estate Construction				Real Estate Commercial Mortgage				Real Estate Residential				Real Estate Home Equity				Consumer				Total
Three Months Ended September 30, 2015
Beginning Balance		$	917			$	360			$	4,275			$	5,654			$	2,536			$	1,494			$	15,236
Provision for Loan Losses			183				(64	)			333				(545	)			273				233				413
Charge-Offs			(365	)			—				26				(476	)			(370	)			(318	)			(1,503	)
Recoveries			45				—				86				193				42				225				591
Net Charge-Offs			(320	)			—				112				(283	)			(328	)			(93	)			(912	)
Ending Balance		$	780			$	296			$	4,720			$	4,826			$	2,481			$	1,634			$	14,737
Nine Months Ended September 30, 2015
Beginning Balance		$	784			$	843			$	5,287			$	6,520			$	2,882			$	1,223			$	17,539
Provision for Loan Losses			708				(547	)			426				(870	)			506				858				1,081
Charge-Offs			(894	)			—				(1,163	)			(1,265	)			(1,006	)			(1,245	)			(5,573	)
Recoveries			182				—				170				441				99				798				1,690
Net Charge-Offs			(712	)			—				(993	)			(824	)			(907	)			(447	)			(3,883	)
Ending Balance		$	780			$	296			$	4,720			$	4,826			$	2,481			$	1,634			$	14,737
Three Months Ended September 30, 2014
Beginning Balance		$	706			$	1,267			$	6,147			$	8,214			$	3,066			$	1,143			$	20,543
Provision for Loan Losses			387				(280	)			386				(505	)			331				105				424
Charge-Offs			(86	)			—				(1,208	)			(212	)			(621	)			(386	)			(2,513	)
Recoveries			28				2				213				93				37				266				639
Net Charge-Offs			(58	)			2				(995	)			(119	)			(584	)			(120	)			(1,874	)
Ending Balance		$	1,035			$	989			$	5,538			$	7,590			$	2,813			$	1,128			$	19,093
Nine Months Ended September 30, 2014
Beginning Balance		$	699			$	1,580			$	7,710			$	9,073			$	3,051			$	982			$	23,095
Provision for Loan Losses			371				(598	)			267				(385	)			1,048				579				1,282
Charge-Offs			(183	)			—				(2,831	)			(1,638	)			(1,399	)			(1,212	)			(7,263	)
Recoveries			148				7				392				540				113				779				1,979
Net Charge-Offs			(35	)			7				(2,439	)			(1,098	)			(1,286	)			(433	)			(5,284	)
Ending Balance		$	1,035			$	989			$	5,538			$	7,590			$	2,813			$	1,128			$	19,093

Schedule of allowance for loan losses by portfolio class and disaggregated on the basis of the impairment methodology

The following table details the amount of the allowance for loan losses by portfolio class disaggregated on the basis of the Company’s impairment methodology.

(Dollars in Thousands)		Commercial, Financial, Agricultural				Real Estate Construction				Real Estate Commercial Mortgage				Real Estate Residential				Real Estate Home Equity				Consumer				Total
September 30, 2015
Period-end amount Allocated to:
Loans Individually Evaluated for Impairment		$	81			$	—			$	2,001			$	2,004			$	365			$	4			$	4,455
Loans Collectively Evaluated for Impairment			699				296				2,719				2,822				2,116				1,630				10,282
Ending Balance		$	780			$	296			$	4,720			$	4,826			$	2,481			$	1,634			$	14,737
December 31, 2014
Period-end amount Allocated to:
Loans Individually Evaluated for Impairment		$	293			$	—			$	2,733			$	2,113			$	638			$	5			$	5,782
Loans Collectively Evaluated for Impairment			491				843				2,554				4,407				2,244				1,218				11,757
Ending Balance		$	784			$	843			$	5,287			$	6,520			$	2,882			$	1,223			$	17,539
September 30, 2014
Period-end amount Allocated to:
Loans Individually Evaluated for Impairment		$	576			$	94			$	3,359			$	2,526			$	471			$	12			$	7,038
Loans Collectively Evaluated for Impairment			459				895				2,179				5,064				2,342				1,116				12,055
Ending Balance		$	1,035			$	989			$	5,538			$	7,590			$	2,813			$	1,128			$	19,093

Schedule of allowance for loan losses by portfolio class

The Company’s recorded investment in loans related to each balance in the allowance for loan losses by portfolio class and disaggregated on the basis of the Company’s impairment methodology was as follows:

(Dollars in Thousands)		Commercial, Financial, Agricultural				Real Estate Construction				Real Estate Commercial Mortgage				Real Estate Residential				Real Estate Home Equity				Consumer				Total
September 30, 2015
Individually Evaluated for Impairment		$	813			$	468			$	24,170			$	18,079			$	2,702			$	161			$	46,393
Collectively Evaluated for Impairment			168,775				49,007				467,564				272,705				229,552				241,187				1,428,790
Total		$	169,588			$	49,475			$	491,734			$	290,784			$	232,254			$	241,348			$	1,475,183
December 31, 2014
Individually Evaluated for Impairment		$	1,040			$	401			$	32,242			$	20,120			$	3,074			$	216			$	57,093
Collectively Evaluated for Impairment			135,885				41,195				477,878				275,849				226,498				216,976				1,374,281
Total		$	136,925			$	41,596			$	510,120			$	295,969			$	229,572			$	217,192			$	1,431,374
September 30, 2014
Individually Evaluated for Impairment		$	1,489			$	835			$	37,524			$	22,087			$	2,796			$	271			$	65,002
Collectively Evaluated for Impairment			132,267				37,286				464,339				286,208				226,172				203,101				1,349,373
Total		$	133,756			$	38,121			$	501,863			$	308,295			$	228,968			$	203,372			$	1,414,375

Schedule of loans individually evaluated for impairment by class of loans

The following table presents loans individually evaluated for impairment by class of loans.

(Dollars in Thousands)		Unpaid Principal Balance				Recorded Investment With No Allowance				Recorded Investment With Allowance				Related Allowance
September 30, 2015
Commercial, Financial and Agricultural		$	813			$	286			$	527			$	81
Real Estate – Construction			468				311				157				—
Real Estate – Commercial Mortgage			24,170				5,727				18,443				2,001
Real Estate – Residential			18,079				2,933				15,146				2,004
Real Estate – Home Equity			2,702				733				1,969				365
Consumer			161				61				100				4
Total		$	46,393			$	10,051			$	36,342			$	4,455
December 31, 2014
Commercial, Financial and Agricultural		$	1,040			$	189			$	851			$	293
Real Estate – Construction			401				401				—				—
Real Estate – Commercial Mortgage			32,242				11,984				20,258				2,733
Real Estate – Residential			20,120				5,492				14,628				2,113
Real Estate – Home Equity			3,074				758				2,316				638
Consumer			216				3				213				5
Total		$	57,093			$	18,827			$	38,266			$	5,782

Schedule of Average recorded investment and interest income recognized by class of impaired loans

The following table summarizes the average recorded investment and interest income recognized by class of impaired loans.

		Three Months Ended September 30,																Nine Months Ended September 30,
		2015								2014								2015								2014
(Dollars in Thousands)		Average Recorded Investment				Total Interest Income				Average Recorded Investment				Total Interest Income				Average Recorded Investment				Total Interest Income				Average Recorded Investment				Total Interest Income
Commercial, Financial and Agricultural		$	942			$	12			$	1,433			$	15			$	1,044			$	34			$	1,482			$	50
Real Estate - Construction			389				—				828				1				395				—				738				4
Real Estate - Commercial Mortgage			26,959				250				39,020				381				29,343				821				42,671				1,298
Real Estate - Residential			18,499				215				22,180				284				19,239				626				21,610				800
Real Estate - Home Equity			2,831				20				2,680				18				2,965				64				2,906				52
Consumer			166				2				293				2				186				6				314				7
Total		$	49,786			$	499			$	66,434			$	701			$	53,172			$	1,551			$	69,721			$	2,211

Schedule of risk category of loans by segment

The following table presents the risk category of loans by segment.

(Dollars in Thousands)		Commercial, Financial, Agriculture				Real Estate				Consumer				Total Criticized Loans
September 30, 2015
Special Mention		$	8,121			$	36,078			$	159			$	44,358
Substandard			1,200				59,659				552				61,411
Doubtful			—				—				—				—
Total Criticized Loans		$	9,321			$	95,737			$	711			$	105,769
December 31, 2014
Special Mention		$	8,059			$	51,060			$	114			$	59,233
Substandard			2,817				79,167				1,153				83,137
Doubtful			—				—				—				—
Total Criticized Loans		$	10,876			$	130,227			$	1,267			$	142,370

Schedule of troubled debt restructurings loans

The following table presents loans classified as TDRs.

		September 30, 2015								December 31, 2014
(Dollars in Thousands)		Accruing				Nonaccruing				Accruing				Nonaccruing
Commercial, Financial and Agricultural		$	876			$	—			$	838			$	266
Real Estate – Construction			—				—				—				—
Real Estate – Commercial Mortgage			18,526				737				26,565				1,591
Real Estate – Residential			14,400				1,682				14,940				2,532
Real Estate – Home Equity			2,000				8				1,856				356
Consumer			159				—				211				—
Total TDRs		$	35,961			$	2,427			$	44,410			$	4,745

Schedule of loans classified as TDRs

Loans classified as TDRs during the periods indicated are presented in the table below.

		Three Months Ended September 30,												Nine Months Ended September 30,
		2015												2015
(Dollars in Thousands)		Number of Contracts				Pre-Modified Recorded Investment				Post-Modified Recorded Investment				Number of Contracts				Pre-Modified Recorded Investment				Post-Modified Recorded Investment
Commercial, Financial and Agricultural			—			$	—			$	—				—			$	—			$	—
Real Estate - Construction			—				—				—				—				—				—
Real Estate - Commercial Mortgage			—				—				—				2				515				515
Real Estate - Residential			1				49				49				6				717				690
Real Estate - Home Equity			1				50				50				1				50				49
Consumer			—				—				—				—				—				—
Total TDRs			2			$	99			$	99				9			$	1,282			$	1,254

		Three Months Ended September 30,												Nine Months Ended September 30,
		2014												2014
(Dollars in Thousands)		Number of Contracts				Pre-Modified Recorded Investment				Post-Modified Recorded Investment				Number of Contracts				Pre-Modified Recorded Investment				Post-Modified Recorded Investment
Commercial, Financial and Agricultural			—			$	—			$	—				1			$	51			$	54
Real Estate – Construction			—				—				—				—				—				—
Real Estate - Commercial Mortgage			1				303				1,125				3				947				1,769
Real Estate – Residential			2				201				182				8				1,308				1,390
Real Estate - Home Equity			5				453				438				8				701				686
Consumer			—				—				—				1				34				33
Total TDRs			8			$	957			$	1,745				21			$	3,041			$	3,932

Schedule of loans modified as TDRs within the previous 12 months and subsequently defaulted

For the three and nine months ended September 30, 2014, loans modified as TDRs within the previous 12 months that have subsequently defaulted during the periods indicated are presented in the table below.

		Three Months Ended September 30,								Nine Months Ended September 30,
		2014								2014
(Dollars in Thousands)		Number of Contracts				Post-Modified Recorded Investment(1)				Number of Contracts				Post-Modified Recorded Investment(1)
Commercial, Financial and Agricultural			—			$	—				—			$	—
Real Estate – Construction			—				—				—				—
Real Estate - Commercial Mortgage			—				—				—				—
Real Estate – Residential			3				334				4				451
Real Estate - Home Equity			—				—				1				153
Consumer			—				—				—				—
Total TDRs			3			$	334				5			$	604

⁽¹⁾ Recorded investment reflects charge-offs and additional funds advanced at time of restructure, if applicable.

Schedule of loans modified as TDRs information

The following table provides information on how TDRs were modified during the periods indicated.

		Three Months Ended September 30,								Nine Months Ended September 30,
		2015								2015
(Dollars in Thousands)		Number of Contracts				Recorded Investment(1)				Number of Contracts				Recorded Investment(1)
Extended amortization			1			$	49				2			$	167
Interest rate adjustment			—				—				1				156
Extended amortization and interest rate adjustment			1				50				6				931
Total TDRs			2			$	99				9			$	1,254

		Three Months Ended September 30,								Nine Months Ended September 30,
		2014								2014
(Dollars in Thousands)		Number of Contracts				Recorded Investment(1)				Number of Contracts				Recorded Investment(1)
Extended amortization			2			$	158				8			$	1,736
Interest rate adjustment			—				—				1				156
Extended amortization and interest rate adjustment			2				231				5				488
Other			4				1,356				7				1,552
Total TDRs			8			$	1,745				21			$	3,932

⁽¹⁾ Recorded investment reflects charge-offs and additional funds advanced at time of restructure, if applicable.

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- Definition

Tabular disclosure of the activity in the total allowance for credit losses related to financing receivables (such as loans or lease receivables) for entities that have an unclassified balance sheet, including the balance in the allowance at the beginning and end of each period, additions charged to operations, direct write-downs charged against the allowance, and recoveries of amounts previously charged off.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef



-Publisher FASB



-Name Accounting Standards Codification



-Topic 310



-SubTopic 10



-Section 50



-Paragraph 11B



-Subparagraph (c)



-URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953423-111524

+ Details

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Namespace Prefix:	us-gaap_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of nonaccrual and past due financing receivables (such as loans and trade receivables), including: (a) the recorded investment in loans and trade receivables, if applicable, on nonaccrual status as of each balance sheet date (b) the recorded investment in loans and trade receivables, if applicable, past due 90 days or more and still accruing.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef



-Publisher FASB



-Name Accounting Standards Codification



-Topic 310



-SubTopic 10



-Section 50



-Paragraph 7



-URI http://asc.fasb.org/extlink&oid=49124121&loc=d3e5111-111524

+ Details

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Namespace Prefix:	us-gaap_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of financing receivables and troubled debt restructurings.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef



-Publisher FASB



-Name Accounting Standards Codification



-Topic 310



-SubTopic 10



-Section 50



-Paragraph 33



-URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953676-111524



Reference 2: http://www.xbrl.org/2003/role/presentationRef



-Publisher FASB



-Name Accounting Standards Codification



-Topic 310



-SubTopic 10



-Section 50



-Paragraph 34



-URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953682-111524

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