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LOANS, NET (Tables)

3 Months Ended

Mar. 31, 2017

Receivables [Abstract]

Schedule of composition of the loan portfolio

(Dollars in Thousands)		March 31, 2017			December 31, 2016
Commercial, Financial and Agricultural		$	214,595		$	216,404
Real Estate – Construction			59,938			58,443
Real Estate – Commercial Mortgage			503,868			503,978
Real Estate – Residential(1)			304,992			281,509
Real Estate – Home Equity			231,300			236,512
Consumer			270,266			264,443
	Loans, Net of Unearned Income	$	1,584,959		$	1,561,289

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

	March 31, 2017						December 31, 2016
(Dollars in Thousands)	Nonaccrual			90 + Days			Nonaccrual			90 + Days
Commercial, Financial and Agricultural	$	538		$	-		$	468		$	-
Real Estate – Construction		363			-			311			-
Real Estate – Commercial Mortgage		3,970			-			3,410			-
Real Estate – Residential		1,724			-			2,330			-
Real Estate – Home Equity		1,587			-			1,774			-
Consumer		116			-			240			-
Total Nonaccrual Loans	$	8,298		$	-		$	8,533		$	-

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
March 31, 2017
Commercial, Financial and Agricultural	$	205		$	32		$	-		$	237		$	213,820		$	214,595
Real Estate – Construction		-			-			-			-			59,575			59,938
Real Estate – Commercial Mortgage		69			177			-			246			499,652			503,868
Real Estate – Residential		1,094			67			-			1,161			302,107			304,992
Real Estate – Home Equity		263			15			-			278			229,435			231,300
Consumer		1,123			218			-			1,341			268,809			270,266
Total Past Due Loans	$	2,754		$	509		$	-		$	3,263		$	1,573,398		$	1,584,959
December 31, 2016
Commercial, Financial and Agricultural	$	209		$	48		$	-		$	257		$	215,679		$	216,404
Real Estate – Construction		949			282			-			1,231			56,901			58,443
Real Estate – Commercial Mortgage		835			1			-			836			499,732			503,978
Real Estate – Residential		1,199			490			-			1,689			277,490			281,509
Real Estate – Home Equity		577			51			-			628			234,110			236,512
Consumer		1,516			281			-			1,797			262,406			264,443
Total Past Due Loans	$	5,285		$	1,153		$	-		$	6,438		$	1,546,318		$	1,561,289

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
March 31, 2017
Beginning Balance		$	1,198		$	168		$	4,315		$	3,445		$	2,297		$	2,008		$	13,431
	Provision for Loan Losses		(36)			(68)			(187)			(166)			288			479			310
	Charge-Offs		(93)			-			(71)			(116)			(92)			(624)			(996)
	Recoveries		81			-			23			213			29			244			590
	Net Charge-Offs		(12)			-			(48)			97			(63)			(380)			(406)
Ending Balance		$	1,150		$	100		$	4,080		$	3,376		$	2,522		$	2,107		$	13,335
Three Months Ended
March 31, 2016
Beginning Balance		$	905		$	101		$	4,498		$	4,409		$	2,473		$	1,567		$	13,953
	Provision for Loan Losses		(24)			-			44			(30)			118			344			452
	Charge-Offs		(37)			-			(274)			(478)			(215)			(439)			(1,443)
	Recoveries		39			-			81			236			59			236			651
	Net Charge-Offs		2			-			(193)			(242)			(156)			(203)			(792)
Ending Balance		$	883		$	101		$	4,349		$	4,137		$	2,435		$	1,708		$	13,613

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
March 31, 2017
Period-end amount
Allocated to:
Loans Individually
Evaluated for Impairment	$	94		$	2		$	2,027		$	1,486		$	445		$	4		$	4,058
Loans Collectively
Evaluated for Impairment		1,056			98			2,053			1,890			2,077			2,103			9,277
Ending Balance	$	1,150		$	100		$	4,080		$	3,376		$	2,522		$	2,107		$	13,335
December 31, 2016
Period-end amount
Allocated to:
Loans Individually
Evaluated for Impairment	$	80		$	-		$	2,038		$	1,561		$	335		$	6		$	4,020
Loans Collectively
Evaluated for Impairment		1,118			168			2,277			1,884			1,962			2,002			9,411
Ending Balance	$	1,198		$	168		$	4,315		$	3,445		$	2,297		$	2,008		$	13,431
March 31, 2016
Period-end amount
Allocated to:
Loans Individually
Evaluated for Impairment	$	72		$	-		$	1,936		$	1,954		$	389		$	4		$	4,355
Loans Collectively
Evaluated for Impairment		811			101			2,413			2,183			2,046			1,704			9,258
Ending Balance	$	883		$	101		$	4,349		$	4,137		$	2,435		$	1,708		$	13,613

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
March 31, 2017
Individually Evaluated for
Impairment		$	1,238		$	362		$	23,061		$	14,699		$	3,514		$	145		$	43,019
Collectively Evaluated for
Impairment			213,357			59,576			480,807			290,293			227,786			270,121			1,541,940
Total		$	214,595		$	59,938		$	503,868		$	304,992		$	231,300		$	270,266		$	1,584,959
December 31, 2016
Individually Evaluated for
Impairment		$	1,042		$	247		$	23,855		$	15,596		$	3,375		$	174		$	44,289
Collectively Evaluated for
Impairment			215,362			58,196			480,123			265,913			233,137			264,269			1,517,000
Total		$	216,404		$	58,443		$	503,978		$	281,509		$	236,512		$	264,443		$	1,561,289
March 31, 2016
Individually Evaluated for
Impairment		$	812		$	-		$	20,798		$	18,221		$	3,211		$	206		$	43,248
Collectively Evaluated for
Impairment			182,869			42,537			482,461			277,849			230,917			246,954			1,463,587
Total		$	183,681		$	42,537		$	503,259		$	296,070		$	234,128		$	247,160		$	1,506,835

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
March 31, 2017
Commercial, Financial and Agricultural		$	1,238		$	355		$	883		$	94
Real Estate – Construction			362			298			64			2
Real Estate – Commercial Mortgage			23,061			8,189			14,872			2,027
Real Estate – Residential			14,699			2,609			12,090			1,486
Real Estate – Home Equity			3,514			1,549			1,965			445
Consumer			145			54			91			4
Total		$	43,019		$	13,054		$	29,965		$	4,058
December 31, 2016
Commercial, Financial and Agricultural		$	1,042		$	565		$	477		$	80
Real Estate – Construction			247			-			247			-
Real Estate – Commercial Mortgage			23,855			8,954			14,901			2,038
Real Estate – Residential			15,596			2,509			13,087			1,561
Real Estate – Home Equity			3,375			1,871			1,504			335
Consumer			174			65			109			6
Total		$	44,289		$	13,964		$	30,325		$	4,020

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

		Three Months Ended March 31,
		2017						2016
		Average			Total			Average			Total
		Recorded			Interest			Recorded			Interest
(Dollars in Thousands)		Investment			Income			Investment			Income
Commercial, Financial and Agricultural		$	1,140		$	12		$	823		$	13
Real Estate – Construction			305			-			49			-
Real Estate – Commercial Mortgage			23,458			223			20,822			239
Real Estate – Residential			15,147			180			18,395			209
Real Estate – Home Equity			3,445			27			3,178			27
Consumer			159			2			234			2
Total		$	43,654		$	444		$	43,501		$	490

Schedule of risk category of loans by segment

		Commercial,
		Financial,									Total Criticized
(Dollars in Thousands)		Agriculture			Real Estate			Consumer			Loans
March 31, 2017
Special Mention		$	4,189		$	18,940		$	187		$	23,316
Substandard			1,393			39,224			361			40,978
Doubtful			-			-			-			-
Total Criticized Loans		$	5,582		$	58,164		$	548		$	64,294
December 31, 2016
Special Mention		$	3,300		$	23,183		$	216		$	26,699
Substandard			1,158			39,800			549			41,507
Doubtful			-			-			-			-
Total Criticized Loans		$	4,458		$	62,983		$	765		$	68,206

Schedule of troubled debt restructurings loans

		March 31, 2017						December 31, 2016
(Dollars in Thousands)		Accruing			Nonaccruing			Accruing			Nonaccruing
Commercial, Financial and Agricultural		$	870		$	-		$	772		$	40
Real Estate – Construction			-			65			-			-
Real Estate – Commercial Mortgage			19,296			1,948			20,673			1,259
Real Estate – Residential			13,648			420			13,969			444
Real Estate – Home Equity			2,597			78			2,647			-
Consumer			144			-			172			-
Total TDRs		$	36,555		$	2,511		$	38,233		$	1,743

Schedule of loans classified as TDRs

		Three Months Ended March 31,								Three Months Ended March 31,
		2017								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		1			64			65		-			-			-
Real Estate – Commercial Mortgage		-			-			-		1			332			332
Real Estate – Residential		-			-			-		5			499			500
Real Estate – Home Equity		1			56			55		4			188			189
Consumer		-			-			-		-			-			-
Total TDRs		2		$	120		$	120		10		$	1,019		$	1,021

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

		Three Months Ended March 31,						Three Months Ended March 31,
		2017						2016
		Number		Post-Modified				Number		Post-Modified
		of		Recorded				of		Recorded
(Dollars in Thousands)		Contracts		Investment				Contracts		Investment
Commercial, Financial and Agricultural		-		$	-			-		$	-
Real Estate – Construction		-			-			-			-
Real Estate – Commercial Mortgage		-			-			-			-
Real Estate – Residential		-			-			-			-
Real Estate – Home Equity		-			-			1			3
Consumer		-			-			1			35
Total TDRs		-		$	-			2		$	38

Schedule of loans modified as TDRs information

		Three Months Ended March 31,					Three Months Ended March 31,
		2017					2016
		Number of		Recorded			Number of		Recorded
(Dollars in Thousands)		Contracts		Investment(1)			Contracts		Investment(1)
Extended amortization		-		$	-		-		$	-
Interest rate adjustment		2			120		-			-
Extended amortization and interest rate adjustment		-			-		10			1,021
Other		-			-		-			-
Total TDRs		2		$	120		10		$	1,021

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