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LOANS, NET (Tables)

6 Months Ended

Jun. 30, 2016

Receivables [Abstract]

Schedule of composition of the loan portfolio

(Dollars in Thousands)		June 30, 2016			December 31, 2015
Commercial, Financial and Agricultural		$	207,105		$	179,816
Real Estate – Construction			46,930			46,484
Real Estate – Commercial Mortgage			485,329			499,813
Real Estate – Residential(1)			291,192			290,585
Real Estate – Home Equity			235,394			233,901
Consumer			254,524			241,676
	Loans, Net of Unearned Income	$	1,520,474		$	1,492,275

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

	June 30, 2016						December 31, 2015
(Dollars in Thousands)	Nonaccrual			90 + Days			Nonaccrual			90 + Days
Commercial, Financial and Agricultural	$	163		$	-		$	96		$	-
Real Estate – Construction		123			-			97			-
Real Estate – Commercial Mortgage		4,308			-			4,191			-
Real Estate – Residential		2,701			-			4,739			-
Real Estate – Home Equity		864			-			1,017			-
Consumer		55			-			165			-
Total Nonaccrual Loans	$	8,214		$	-		$	10,305		$	-

Schedule of aging of past due loans by class of loans

	30-59			60-89			90 +			Total			Total			Total
(Dollars in Thousands)	DPD			DPD			DPD			Past Due			Current			Loans
June 30, 2016
Commercial, Financial and Agricultural	$	99		$	197		$	-		$	296		$	206,646		$	207,105
Real Estate – Construction		-			-			-			-			46,807			46,930
Real Estate – Commercial Mortgage		679			161			-			840			480,181			485,329
Real Estate – Residential		565			438			-			1,003			287,488			291,192
Real Estate – Home Equity		424			46			-			470			234,060			235,394
Consumer		997			266			-			1,263			253,206			254,524
Total Past Due Loans	$	2,764		$	1,108		$	-		$	3,872		$	1,508,388		$	1,520,474
December 31, 2015
Commercial, Financial and Agricultural	$	153		$	18		$	-		$	171		$	179,549		$	179,816
Real Estate – Construction		690			-			-			690			45,697			46,484
Real Estate – Commercial Mortgage		754			1,229			-			1,983			493,639			499,813
Real Estate – Residential		567			347			-			914			284,932			290,585
Real Estate – Home Equity		787			97			-			884			232,000			233,901
Consumer		735			398			-			1,133			240,378			241,676
Total Past Due Loans	$	3,686		$	2,089		$	-		$	5,775		$	1,476,195		$	1,492,275

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

		Commercial,						Real Estate
		Financial,			Real Estate			Commercial			Real Estate			Real Estate
(Dollars in Thousands)		Agricultural			Construction			Mortgage			Residential			Home Equity			Consumer			Total
Three Months Ended
June 30, 2016
Beginning Balance		$	883		$	101		$	4,349		$	4,137		$	2,435		$	1,708		$	13,613
	Provision for Loan Losses		420			25			(197)			(676)			21			310			(97)
	Charge-Offs		(304)			-			-			(205)			(146)			(438)			(1,093)
	Recoveries		49			-			237			579			81			308			1,254
	Net Charge-Offs		(255)			-			237			374			(65)			(130)			161
Ending Balance		$	1,048		$	126		$	4,389		$	3,835		$	2,391		$	1,888		$	13,677
Six Months Ended
June 30, 2016
Beginning Balance		$	905		$	101		$	4,498		$	4,409		$	2,473		$	1,567		$	13,953
	Provision for Loan Losses		396			25			(153)			(706)			139			654			355
	Charge-Offs		(341)			-			(274)			(683)			(361)			(877)			(2,536)
	Recoveries		88			-			318			815			140			544			1,905
	Net Charge-Offs		(253)			-			44			132			(221)			(333)			(631)
Ending Balance		$	1,048		$	126		$	4,389		$	3,835		$	2,391		$	1,888		$	13,677
Three Months Ended
June 30, 2015
Beginning Balance		$	903		$	574		$	4,501		$	6,195		$	2,547		$	1,370		$	16,090
	Provision for Loan Losses		171			(214)			5			(257)			410			260			375
	Charge-Offs		(239)			-			(285)			(484)			(454)			(351)			(1,813)
	Recoveries		82			-			54			200			33			215			584
	Net Charge-Offs		(157)			-			(231)			(284)			(421)			(136)			(1,229)
Ending Balance		$	917		$	360		$	4,275		$	5,654		$	2,536		$	1,494		$	15,236
Six Months Ended
June 30, 2015
Beginning Balance		$	784		$	843		$	5,287		$	6,520		$	2,882		$	1,223		$	17,539
	Provision for Loan Losses		525			(483)			93			(325)			233			625			668
	Charge-Offs		(529)			-			(1,189)			(789)			(636)			(927)			(4,070)
	Recoveries		137			-			84			248			57			573			1,099
	Net Charge-Offs		(392)			-			(1,105)			(541)			(579)			(354)			(2,971)
Ending Balance		$	917		$	360		$	4,275		$	5,654		$	2,536		$	1,494		$	15,236

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

		Commercial,						Real Estate
		Financial,			Real Estate			Commercial			Real Estate			Real Estate
(Dollars in Thousands)		Agricultural			Construction			Mortgage			Residential			Home Equity			Consumer			Total
June 30, 2016
Period-end amount
Allocated to:
	Loans Individually
	Evaluated for Impairment	$	69		$	-		$	1,953		$	1,868		$	318		$	9		$	4,217
	Loans Collectively
	Evaluated for Impairment		979			126			2,436			1,967			2,073			1,879			9,460
Ending Balance		$	1,048		$	126		$	4,389		$	3,835		$	2,391		$	1,888		$	13,677
December 31, 2015
Period-end amount
Allocated to:
	Loans Individually
	Evaluated for Impairment	$	77		$	-		$	2,049		$	2,118		$	384		$	18		$	4,646
	Loans Collectively
	Evaluated for Impairment		828			101			2,449			2,291			2,089			1,549			9,307
Ending Balance		$	905		$	101		$	4,498		$	4,409		$	2,473		$	1,567		$	13,953
June 30, 2015
Period-end amount
Allocated to:
	Loans Individually
	Evaluated for Impairment	$	288		$	-		$	2,070		$	1,980		$	453		$	12		$	4,803
	Loans Collectively
	Evaluated for Impairment		629			360			2,205			3,674			2,083			1,482			10,433
Ending Balance		$	917		$	360		$	4,275		$	5,654		$	2,536		$	1,494		$	15,236

Schedule of allowance for loan losses by portfolio class

		Commercial,						Real Estate
		Financial,			Real Estate			Commercial			Real Estate			Real Estate
(Dollars in Thousands)		Agricultural			Construction			Mortgage			Residential			Home Equity			Consumer			Total
June 30, 2016
Individually Evaluated for
Impairment		$	793		$	-		$	20,589		$	17,725		$	2,872		$	206		$	42,185
Collectively Evaluated for
Impairment			206,312			46,930			464,740			273,467			232,522			254,318			1,478,289
Total		$	207,105		$	46,930		$	485,329		$	291,192		$	235,394		$	254,524		$	1,520,474
December 31, 2015
Individually Evaluated for
Impairment		$	834		$	97		$	20,847		$	18,569		$	3,144		$	261		$	43,752
Collectively Evaluated for
Impairment			178,982			46,387			478,966			272,016			230,757			241,415			1,448,523
Total		$	179,816		$	46,484		$	499,813		$	290,585		$	233,901		$	241,676		$	1,492,275
June 30, 2015
Individually Evaluated for
Impairment		$	1,072		$	311		$	29,746		$	18,918		$	2,960		$	171		$	53,178
Collectively Evaluated for
Impairment			150,044			43,905			481,216			277,463			227,428			241,031			1,421,087
Total		$	151,116		$	44,216		$	510,962		$	296,381		$	230,388		$	241,202		$	1,474,265

Schedule of loans individually evaluated for impairment by class of loans

		Unpaid			Recorded			Recorded
		Principal			Investment			Investment			Related
(Dollars in Thousands)		Balance			With No Allowance			With Allowance			Allowance
June 30, 2016
Commercial, Financial and Agricultural		$	793		$	268		$	525		$	69
Real Estate – Construction			-			-			-			-
Real Estate – Commercial Mortgage			20,589			4,064			16,525			1,953
Real Estate – Residential			17,725			2,769			14,956			1,868
Real Estate – Home Equity			2,872			831			2,041			318
Consumer			206			45			161			9
Total		$	42,185		$	7,977		$	34,208		$	4,217
December 31, 2015
Commercial, Financial and Agricultural		$	834		$	279		$	555		$	77
Real Estate – Construction			97			97			-			-
Real Estate – Commercial Mortgage			20,847			3,265			17,582			2,049
Real Estate – Residential			18,569			2,941			15,628			2,118
Real Estate – Home Equity			3,144			1,101			2,043			384
Consumer			261			79			182			18
Total		$	43,752		$	7,762		$	35,990		$	4,646

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

		Three Months Ended June 30,												Six Months Ended June 30,
		2016						2015						2016						2015
		Average			Total			Average			Total			Average			Total			Average			Total
		Recorded			Interest			Recorded			Interest			Recorded			Interest			Recorded			Interest
(Dollars in Thousands)		Investment			Income			Investment			Income			Investment			Income			Investment			Income
Commercial, Financial and
Agricultural		$	802		$	12		$	1,162		$	11		$	813		$	25		$	1,121		$	22
Real Estate – Construction			-			-			356			-			32			-			371			-
Real Estate – Commercial Mortgage			20,694			216			30,480			310			20,745			455			31,067			571
Real Estate – Residential			17,973			196			19,379			214			18,172			405			19,626			411
Real Estate – Home Equity			3,042			29			3,042			23			3,076			56			3,053			43
Consumer			206			2			183			2			224			4			194			4
Total		$	42,717		$	455		$	54,602		$	560		$	43,062		$	945		$	55,432		$	1,051

Schedule of risk category of loans by segment

		Commercial,
		Financial,									Total Criticized
(Dollars in Thousands)		Agriculture			Real Estate			Consumer			Loans
June 30, 2016
Special Mention		$	3,023		$	29,868		$	71		$	32,962
Substandard			1,553			42,952			553			45,058
Doubtful			-			-			-			-
Total Criticized Loans		$	4,576		$	72,820		$	624		$	78,020
December 31, 2015
Special Mention		$	5,938		$	27,838		$	69		$	33,845
Substandard			1,307			51,425			819			53,551
Doubtful			-			-			-			-
Total Criticized Loans		$	7,245		$	79,263		$	888		$	87,396

Schedule of troubled debt restructurings loans

		June 30, 2016						December 31, 2015
(Dollars in Thousands)		Accruing			Nonaccruing			Accruing			Nonaccruing
Commercial, Financial and Agricultural		$	857		$	-		$	897		$	-
Real Estate – Construction			-			-			-			-
Real Estate – Commercial Mortgage			16,444			1,328			16,621			1,070
Real Estate – Residential			15,297			685			14,979			1,582
Real Estate – Home Equity			2,734			-			2,914			-
Consumer			194			-			223			35
Total TDRs		$	35,526		$	2,013		$	35,634		$	2,687

Schedule of loans classified as TDRs

		Three Months Ended June 30,								Six Months Ended June 30,
		2016								2016
				Pre-			Post-					Pre-			Post-
		Number		Modified			Modified			Number		Modified			Modified
		of		Recorded			Recorded			of		Recorded			Recorded
(Dollars in Thousands)		Contracts		Investment			Investment			Contracts		Investment			Investment
Commercial, Financial and Agricultural		-		$	-		$	-		-		$	-		$	-
Real Estate – Construction		-			-			-		-			-			-
Real Estate – Commercial Mortgage		-			-			-		1			332			332
Real Estate – Residential		1			90			90		6			589			590
Real Estate – Home Equity		-			-			-		4			188			189
Consumer		-			-			-		-			-			-
Total TDRs		1		$	90		$	90		11		$	1,109		$	1,111
		Three Months Ended June 30,								Six Months Ended June 30,
		2015								2015
				Pre-			Post-					Pre-			Post-
		Number		Modified			Modified			Number		Modified			Modified
		of		Recorded			Recorded			of		Recorded			Recorded
(Dollars in Thousands)		Contracts		Investment			Investment			Contracts		Investment			Investment
Commercial, Financial and Agricultural		-		$	-		$	-		-		$	-		$	-
Real Estate – Construction		-			-			-		-			-			-
Real Estate – Commercial Mortgage		1			58			58		2			515			515
Real Estate – Residential		1			204			204		5			668			641
Real Estate – Home Equity		-			-			-		-			-			-
Consumer		-			-			-		-			-			-
Total TDRs		2		$	262		$	262		7		$	1,183		$	1,156

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

		Three Months Ended June 30,					Six Months Ended June 30,
		2016					2016
		Number		Post-Modified			Number		Post-Modified
		of		Recorded			of		Recorded
(Dollars in Thousands)		Contracts		Investment(1)			Contracts		Investment(1)
Commercial, Financial and Agricultural		-		$	-		-		$	-
Real Estate – Construction		-			-		-			-
Real Estate – Commercial Mortgage		-			-		-			-
Real Estate – Residential		1			98		1			98
Real Estate – Home Equity		-			-		1			3
Consumer		-			-		1			35
Total TDRs		1		$	98		3		$	136

Schedule of loans modified as TDRs information

		Three Months Ended June 30,					Six Months Ended June 30,
		2016					2016
		Number of		Recorded			Number of		Recorded
(Dollars in Thousands)		Contracts		Investment(1)			Contracts		Investment(1)
Extended amortization		1		$	90		1		$	90
Interest rate adjustment		-			-		-			-
Extended amortization and interest rate adjustment		-			-		10			1,021
Total TDRs		1		$	90		11		$	1,111

		Three Months Ended June 30,					Six Months Ended June 30,
		2015					2015
		Number of		Recorded			Number of		Recorded
(Dollars in Thousands)		Contracts		Investment(1)			Contracts		Investment(1)
Extended amortization		-		$	-		1		$	118
Interest rate adjustment		-			-		1			156
Extended amortization and interest rate adjustment		2			262		5			882
Total TDRs		2		$	262		7		$	1,156

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Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables.

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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.

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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=66008989&loc=d3e5111-111524

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Recorded Investment
-URI http://asc.fasb.org/extlink&oid=65880944

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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=66008989&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=66008989&loc=SL6953682-111524

+ Details

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