XML 32 R20.htm IDEA: XBRL DOCUMENT v3.8.0.1

LOANS, NET (Tables)

9 Months Ended

Sep. 30, 2017

Receivables [Abstract]

Schedule of composition of the loan portfolio

(Dollars in Thousands)		September 30, 2017			December 31, 2016
Commercial, Financial and Agricultural		$	215,963		$	216,404
Real Estate – Construction			67,813			58,443
Real Estate – Commercial Mortgage			527,331			503,978
Real Estate – Residential(1)			315,583			281,509
Real Estate – Home Equity			228,499			236,512
Consumer			275,149			264,443
	Loans, Net of Unearned Income	$	1,630,338		$	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

	September 30, 2017						December 31, 2016
(Dollars in Thousands)	Nonaccrual			90 + Days			Nonaccrual			90 + Days
Commercial, Financial and Agricultural	$	41		$	-		$	468		$	-
Real Estate – Construction		362			-			311			-
Real Estate – Commercial Mortgage		2,425			-			3,410			-
Real Estate – Residential		2,350			-			2,330			-
Real Estate – Home Equity		1,108			-			1,774			-
Consumer		272			-			240			-
Total Nonaccrual Loans	$	6,558		$	-		$	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(1)
September 30, 2017
Commercial, Financial and Agricultural	$	249		$	584		$	-		$	833		$	215,089		$	215,963
Real Estate – Construction		-			5			-			5			67,446			67,813
Real Estate – Commercial Mortgage		1,277			168			-			1,445			523,461			527,331
Real Estate – Residential		374			754			-			1,128			312,105			315,583
Real Estate – Home Equity		455			1			-			456			226,935			228,499
Consumer		1,266			554			-			1,820			273,057			275,149
Total Past Due Loans	$	3,621		$	2,066		$	-		$	5,687		$	1,618,093		$	1,630,338
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
(1) Total Loans include nonaccrual loans

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, 2017
Beginning Balance		$	1,095		$	114		$	3,825		$	3,384		$	2,524		$	2,300		$	13,242
	Provision for Loan Losses		208			(26)			286			(32)			(103)			157			490
	Charge-Offs		(276)			-			(94)			(125)			(50)			(455)			(1,000)
	Recoveries		79			50			69			60			84			265			607
	Net Charge-Offs		(197)			50			(25)			(65)			34			(190)			(393)
Ending Balance		$	1,106		$	138		$	4,086		$	3,287		$	2,455		$	2,267		$	13,339
Nine Months Ended
September 30, 2017
Beginning Balance		$	1,198		$	168		$	4,315		$	3,445		$	2,297		$	2,008		$	13,431
	Provision for Loan Losses		401			(80)			264			(348)			148			1,004			1,389
	Charge-Offs		(693)			-			(643)			(285)			(142)			(1,616)			(3,379)
	Recoveries		200			50			150			475			152			871			1,898
	Net Charge-Offs		(493)			50			(493)			190			10			(745)			(1,481)
Ending Balance		$	1,106		$	138		$	4,086		$	3,287		$	2,455		$	2,267		$	13,339
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

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, 2017
Period-end amount
Allocated to:
Loans Individually
Evaluated for Impairment	$	88		$	24		$	1,846		$	1,196		$	454		$	3		$	3,611
Loans Collectively
Evaluated for Impairment		1,018			114			2,240			2,091			2,001			2,264			9,728
Ending Balance	$	1,106		$	138		$	4,086		$	3,287		$	2,455		$	2,267		$	13,339
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
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

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, 2017
Individually Evaluated for
Impairment		$	847		$	363		$	20,716		$	13,258		$	2,915		$	132		$	38,231
Collectively Evaluated for
Impairment			215,116			67,450			506,615			302,325			225,584			275,017			1,592,107
Total		$	215,963		$	67,813		$	527,331		$	315,583		$	228,499		$	275,149		$	1,630,338
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
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

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, 2017
Commercial, Financial and Agricultural		$	847		$	122		$	725		$	88
Real Estate – Construction			363			298			65			24
Real Estate – Commercial Mortgage			20,716			2,141			18,575			1,846
Real Estate – Residential			13,258			1,962			11,296			1,196
Real Estate – Home Equity			2,915			902			2,013			454
Consumer			132			58			74			3
Total		$	38,231		$	5,483		$	32,748		$	3,611
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 September 30,												Nine Months Ended September 30,
		2017						2016						2017						2016
		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		$	963		$	12		$	871		$	12		$	1,051		$	35		$	847		$	37
Real Estate – Construction			363			-			-			-			334			2			24			-
Real Estate – Commercial Mortgage			21,109			219			20,692			203			22,283			662			20,757			658
Real Estate – Residential			14,068			162			17,091			197			14,608			516			17,743			602
Real Estate – Home Equity			3,114			28			2,824			29			3,280			81			3,001			84
Consumer			136			2			196			2			148			6			215			7
Total		$	39,753		$	423		$	41,674		$	443		$	41,704		$	1,302		$	42,587		$	1,388

Schedule of risk category of loans by segment

		Commercial,
		Financial,									Total Criticized
(Dollars in Thousands)		Agriculture			Real Estate			Consumer			Loans
September 30, 2017
Special Mention		$	9,277		$	16,105		$	317		$	25,699
Substandard			1,322			34,367			856			36,545
Doubtful			-			-			-			-
Total Criticized Loans		$	10,599		$	50,472		$	1,173		$	62,244
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

		September 30, 2017						December 31, 2016
(Dollars in Thousands)		Accruing			Nonaccruing			Accruing			Nonaccruing
Commercial, Financial and Agricultural		$	826		$	21		$	772		$	40
Real Estate – Construction			-			65			-			-
Real Estate – Commercial Mortgage			18,460			1,061			20,673			1,259
Real Estate – Residential			11,494			991			13,969			444
Real Estate – Home Equity			2,515			187			2,647			-
Consumer			132			-			172			-
Total TDRs		$	33,427		$	2,325		$	38,233		$	1,743

Schedule of loans classified as TDRs

		Three Months Ended September 30,								Nine Months Ended September 30,
		2017								2017
				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		1		$	32		$	22		1		$	32		$	22
Real Estate – Construction		-			-			-		1			64			65
Real Estate – Commercial Mortgage		1			160			70		1			160			70
Real Estate – Residential		1			101			102		2			316			283
Real Estate – Home Equity		3			149			147		4			205			203
Consumer		-			-			-		-			-			-
Total TDRs		6		$	442		$	341		9		$	777		$	643
		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

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

		Three Months Ended September 30,					Nine Months Ended September 30,
		2017					2017
		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		-			-		-			-
Real Estate – Home Equity		-			-		-			-
Consumer		-			-		-			-
Total TDRs		-		$	-		-		$	-

		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,
		2017					2017
		Number of		Recorded			Number of		Recorded
(Dollars in Thousands)		Contracts		Investment(1)			Contracts		Investment(1)
Extended amortization		1		$	70		1		$	70
Interest rate adjustment		-			-		3			302
Extended amortization and interest rate adjustment		4			249		4			249
Other		1			22		1			22
Total TDRs		6		$	341		9		$	643

		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

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=84173941&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=82894031&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=84173941&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=84173941&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=84173941&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=84173941&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=84173941&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=84173941&loc=d3e5111-111524

+ 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=84173941&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=84173941&loc=SL6953682-111524

+ Details

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