XML 32 R20.htm IDEA: XBRL DOCUMENT v3.5.0.2

LOANS, NET (Tables)

9 Months Ended

Sep. 30, 2016

Receivables [Abstract]

Schedule of composition of the loan portfolio

(Dollars in Thousands)		September 30, 2016			December 31, 2015
Commercial, Financial and Agricultural		$	223,278		$	179,816
Real Estate – Construction			54,107			46,484
Real Estate – Commercial Mortgage			497,775			499,813
Real Estate – Residential(1)			287,068			290,585
Real Estate – Home Equity			235,433			233,901
Consumer			259,851			241,676
	Loans, Net of Unearned Income	$	1,557,512		$	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

	September 30, 2016						December 31, 2015
(Dollars in Thousands)	Nonaccrual			90 + Days			Nonaccrual			90 + Days
Commercial, Financial and Agricultural	$	362		$	-		$	96		$	-
Real Estate – Construction		121			-			97			-
Real Estate – Commercial Mortgage		4,736			-			4,191			-
Real Estate – Residential		2,254			-			4,739			-
Real Estate – Home Equity		958			-			1,017			-
Consumer		183			-			165			-
Total Nonaccrual Loans	$	8,614		$	-		$	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
September 30, 2016
Commercial, Financial and Agricultural	$	59		$	307		$	-		$	366		$	222,550		$	223,278
Real Estate – Construction		-			-			-			-			53,986			54,107
Real Estate – Commercial Mortgage		1,581			148			-			1,729			491,310			497,775
Real Estate – Residential		472			448			-			920			283,894			287,068
Real Estate – Home Equity		446			697			-			1,143			233,332			235,433
Consumer		1,231			278			-			1,509			258,159			259,851
Total Past Due Loans	$	3,789		$	1,878		$	-		$	5,667		$	1,543,231		$	1,557,512
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
September 30, 2016
Beginning Balance		$	1,048		$	126		$	4,389		$	3,835		$	2,391		$	1,888		$	13,677
	Provision for Loan Losses		163			(3)			224			(324)			(307)			247			-
	Charge-Offs		(143)			-			(5)			(96)			(51)			(479)			(774)
	Recoveries		199			-			45			139			237			221			841
	Net Charge-Offs		56			-			40			43			186			(258)			67
Ending Balance		$	1,267		$	123		$	4,653		$	3,554		$	2,270		$	1,877		$	13,744
Nine Months Ended
September 30, 2016
Beginning Balance		$	905		$	101		$	4,498		$	4,409		$	2,473		$	1,567		$	13,953
	Provision for Loan Losses		559			22			71			(1,030)			(168)			901			355
	Charge-Offs		(484)			-			(279)			(779)			(412)			(1,356)			(3,310)
	Recoveries		287			-			363			954			377			765			2,746
	Net Charge-Offs		(197)			-			84			175			(35)			(591)			(564)
Ending Balance		$	1,267		$	123		$	4,653		$	3,554		$	2,270		$	1,877		$	13,744
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

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
September 30, 2016
Period-end amount
Allocated to:
	Loans Individually
	Evaluated for Impairment	$	132		$	-		$	2,124		$	1,669		$	276		$	7		$	4,208
	Loans Collectively
	Evaluated for Impairment		1,135			123			2,529			1,885			1,994			1,870			9,536
Ending Balance		$	1,267		$	123		$	4,653		$	3,554		$	2,270		$	1,877		$	13,744
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
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

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
September 30, 2016
Individually Evaluated for
Impairment		$	949		$	-		$	20,794		$	16,457		$	2,776		$	186		$	41,162
Collectively Evaluated for
Impairment			222,329			54,107			476,981			270,611			232,657			259,665			1,516,350
Total		$	223,278		$	54,107		$	497,775		$	287,068		$	235,433		$	259,851		$	1,557,512
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
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

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
September 30, 2016
Commercial, Financial and Agricultural		$	949		$	217		$	732		$	132
Real Estate – Construction			-			-			-			-
Real Estate – Commercial Mortgage			20,794			4,452			16,342			2,124
Real Estate – Residential			16,457			1,863			14,594			1,669
Real Estate – Home Equity			2,776			1,314			1,462			276
Consumer			186			54			132			7
Total		$	41,162		$	7,900		$	33,262		$	4,208
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 September 30,												Nine Months Ended September 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		$	871		$	12		$	942		$	12		$	847		$	37		$	1,044		$	34
Real Estate – Construction			-			-			389			-			24			-			395			-
Real Estate – Commercial Mortgage			20,692			203			26,959			250			20,757			658			29,343			821
Real Estate – Residential			17,091			197			18,499			215			17,743			602			19,239			626
Real Estate – Home Equity			2,824			29			2,831			20			3,001			84			2,965			64
Consumer			196			2			166			2			215			7			186			6
Total		$	41,674		$	443		$	49,786		$	499		$	42,587		$	1,388		$	53,172		$	1,551

Schedule of risk category of loans by segment

		Commercial,
		Financial,									Total Criticized
(Dollars in Thousands)		Agriculture			Real Estate			Consumer			Loans
September 30, 2016
Special Mention		$	4,185		$	24,893		$	196		$	29,274
Substandard			1,607			41,080			541			43,228
Doubtful			-			-			-			-
Total Criticized Loans		$	5,792		$	65,973		$	737		$	72,502
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

		September 30, 2016						December 31, 2015
(Dollars in Thousands)		Accruing			Nonaccruing			Accruing			Nonaccruing
Commercial, Financial and Agricultural		$	792		$	42		$	897		$	-
Real Estate – Construction			-			-			-			-
Real Estate – Commercial Mortgage			16,259			1,253			16,621			1,070
Real Estate – Residential			15,140			507			14,979			1,582
Real Estate – Home Equity			2,672			-			2,914			-
Consumer			183			-			223			35
Total TDRs		$	35,046		$	1,802		$	35,634		$	2,687

Schedule of loans classified as TDRs

		Three Months Ended September 30,								Nine Months Ended September 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		-			-			-		6			589			590
Real Estate – Home Equity		1			17			17		5			205			206
Consumer		-			-			-		-			-			-
Total TDRs		1		$	17		$	17		12		$	1,126		$	1,128
		Three Months Ended September 30,								Nine Months Ended September 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		-			-			-		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

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

		Three Months Ended September 30,					Nine Months Ended September 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
Real Estate – Home Equity		-			-		1			3
Consumer		-			-		1			35
Total TDRs		-		$	-		3		$	136

Schedule of loans modified as TDRs information

		Three Months Ended September 30,					Nine Months Ended September 30,
		2016					2016
		Number of		Recorded			Number of		Recorded
(Dollars in Thousands)		Contracts		Investment(1)			Contracts		Investment(1)
Extended amortization		1		$	17		2		$	107
Interest rate adjustment		-			-		-			-
Extended amortization and interest rate adjustment		-			-		10			1,021
Total TDRs		1		$	17		12		$	1,128

		Three Months Ended September 30,					Nine Months Ended September 30,
		2015					2015
		Number of		Recorded			Number of		Recorded
(Dollars in Thousands)		Contracts		Investment(1)			Contracts		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

X

- Definition

This element refers to allowance for credit losses on financing receivables by portfolio class.

+ References

No definition available.

+ Details

Name:	ccbg_AllowanceForCreditLossesOnFinancingReceivablesByPortfolioClassTableTextBlock
Namespace Prefix:	ccbg_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

This element refers to average recorded investment and interest income of impairedl loans.

+ References

No definition available.

+ Details

Name:	ccbg_AverageRecordedInvestmentAndInterestIncomeOfImpairedlLoansTableTextBlock
Namespace Prefix:	ccbg_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

This element refers to defaulted recorded investment on financing receivables.

+ References

No definition available.

+ Details

Name:	ccbg_DefaultedRecordedInvestmentOnFinancingReceivablesTableTextBlock
Namespace Prefix:	ccbg_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

This element refers to modified recorded investment on financing receivables.

+ References

No definition available.

+ Details

Name:	ccbg_ModifiedRecordedInvestmentOnFinancingReceivablesTableTextBlock
Namespace Prefix:	ccbg_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of financing receivables and troubled debt restructurings.

+ References

No definition available.

+ Details

Name:	ccbg_ModifiedTroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock
Namespace Prefix:	ccbg_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 11B
-URI http://asc.fasb.org/extlink&oid=66008989&loc=SL6953423-111524

+ Details

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

X

- Definition

Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 55
-Paragraph 19
-URI http://asc.fasb.org/extlink&oid=32702940&loc=SL6953803-111525

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 29
-URI http://asc.fasb.org/extlink&oid=66008989&loc=SL6953659-111524

+ Details

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

X

- Definition

Tabular disclosure of impaired financing receivables.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 15
-URI http://asc.fasb.org/extlink&oid=66008989&loc=d3e5212-111524

+ Details

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

X

- Definition

Tabular disclosure of financing receivables that are past due but not impaired, financing receivables that are 90 days past due and still accruing, and financing receivables on nonaccrual status.

+ 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
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 7A
-URI http://asc.fasb.org/extlink&oid=66008989&loc=SL6953401-111524

+ Details

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

X

- References

No definition available.

+ Details

Name:	us-gaap_ReceivablesAbstract
Namespace Prefix:	us-gaap_
Data Type:	xbrli:stringItemType
Balance Type:	na
Period Type:	duration

X

- Definition

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.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.3,4)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

+ Details

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

X

- 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=66008989&loc=SL6953423-111524

+ Details

Name:	us-gaap_ScheduleOfCreditLossesRelatedToFinancingReceivablesCurrentAndNoncurrentTableTextBlock
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=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

+ Details

Name:	us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock
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=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

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