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LOANS, NET (Tables)

9 Months Ended

Sep. 30, 2018

Receivables [Abstract]

Schedule of composition of the loan portfolio

(Dollars in Thousands)		September 30, 2018			December 31, 2017
Commercial, Financial and Agricultural		$	239,044		$	218,166
Real Estate – Construction			87,672			77,966
Real Estate – Commercial Mortgage			596,391			535,707
Real Estate – Residential(1)			342,063			311,906
Real Estate – Home Equity			212,942			229,513
Consumer(2)			295,642			280,234
	Loans, Net of Unearned Income	$	1,773,754		$	1,653,492

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

	September 30, 2018						December 31, 2017
(Dollars in Thousands)	Nonaccrual			90 + Days			Nonaccrual			90 + Days
Commercial, Financial and Agricultural	$	338		$	-		$	629		$	-
Real Estate – Construction		1,098			-			297			-
Real Estate – Commercial Mortgage		2,316			126			2,370			-
Real Estate – Residential		2,140			-			1,938			-
Real Estate – Home Equity		902			-			1,748			-
Consumer		73			-			177			36
Total Nonaccrual Loans	$	6,867		$	126		$	7,159		$	36

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, 2018
Commercial, Financial and Agricultural	$	71		$	65		$	-		$	136		$	238,570		$	239,044
Real Estate – Construction		-			-			-			-			86,574			87,672
Real Estate – Commercial Mortgage		280			176			126			582			593,493			596,391
Real Estate – Residential		613			727			-			1,340			338,583			342,063
Real Estate – Home Equity		354			76			-			430			211,610			212,942
Consumer		1,059			263			-			1,322			294,247			295,642
Total Past Due Loans	$	2,377		$	1,307		$	126		$	3,810		$	1,763,077		$	1,773,754
December 31, 2017
Commercial, Financial and Agricultural	$	87		$	55		$	-		$	142		$	217,395		$	218,166
Real Estate – Construction		811			-			-			811			76,858			77,966
Real Estate – Commercial Mortgage		437			195			-			632			532,705			535,707
Real Estate – Residential		701			446			-			1,147			308,821			311,906
Real Estate – Home Equity		80			2			-			82			227,683			229,513
Consumer		1,316			413			36			1,765			278,292			280,234
Total Past Due Loans	$	3,432		$	1,111		$	36		$	4,579		$	1,641,754		$	1,653,492
(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, 2018
Beginning Balance		$	1,214		$	283		$	4,432		$	3,146		$	2,294		$	2,194		$	13,563
	Provision for Loan Losses		388			86			(30)			50			120			290			904
	Charge-Offs		(268)			-			(25)			(106)			(112)			(463)			(974)
	Recoveries		78			-			222			107			47			272			726
	Net Charge-Offs		(190)			-			197			1			(65)			(191)			(248)
Ending Balance		$	1,412		$	369		$	4,599		$	3,197		$	2,349		$	2,293		$	14,219
Nine Months Ended
September 30, 2018
Beginning Balance		$	1,191		$	122		$	4,346		$	3,206		$	2,506		$	1,936		$	13,307
	Provision for Loan Losses		481			253			208			123			140			1,259			2,464
	Charge-Offs		(591)			(7)			(315)			(669)			(427)			(1,667)			(3,676)
	Recoveries		331			1			360			537			130			765			2,124
	Net Charge-Offs		(260)			(6)			45			(132)			(297)			(902)			(1,552)
Ending Balance		$	1,412		$	369		$	4,599		$	3,197		$	2,349		$	2,293		$	14,219
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

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, 2018
Period-end amount
Allocated to:
Loans Individually
Evaluated for Impairment	$	185		$	181		$	1,719		$	954		$	357		$	1		$	3,397
Loans Collectively
Evaluated for Impairment		1,227			188			2,880			2,243			1,992			2,292			10,822
Ending Balance	$	1,412		$	369		$	4,599		$	3,197		$	2,349		$	2,293		$	14,219
December 31, 2017
Period-end amount
Allocated to:
Loans Individually
Evaluated for Impairment	$	215		$	1		$	2,165		$	1,220		$	515		$	1		$	4,117
Loans Collectively
Evaluated for Impairment		976			121			2,181			1,986			1,991			1,935			9,190
Ending Balance	$	1,191		$	122		$	4,346		$	3,206		$	2,506		$	1,936		$	13,307
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

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, 2018
Individually Evaluated for
Impairment		$	987		$	1,159		$	18,572		$	11,369		$	2,241		$	90		$	34,418
Collectively Evaluated for
Impairment			238,057			86,513			577,819			330,694			210,701			295,552			1,739,336
Total		$	239,044		$	87,672		$	596,391		$	342,063		$	212,942		$	295,642		$	1,773,754
December 31, 2017
Individually Evaluated for
Impairment		$	1,378		$	361		$	19,280		$	12,871		$	3,332		$	113		$	37,335
Collectively Evaluated for
Impairment			216,788			77,605			516,427			299,035			226,181			280,121			1,616,157
Total		$	218,166		$	77,966		$	535,707		$	311,906		$	229,513		$	280,234		$	1,653,492
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

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, 2018
Commercial, Financial and Agricultural		$	987		$	105		$	882		$	185
Real Estate – Construction			1,159			61			1,098			181
Real Estate – Commercial Mortgage			18,572			2,071			16,501			1,719
Real Estate – Residential			11,369			1,914			9,455			954
Real Estate – Home Equity			2,241			719			1,522			357
Consumer			90			51			39			1
Total		$	34,418		$	4,921		$	29,497		$	3,397
December 31, 2017
Commercial, Financial and Agricultural		$	1,378		$	118		$	1,260		$	215
Real Estate – Construction			361			297			64			1
Real Estate – Commercial Mortgage			19,280			1,763			17,517			2,165
Real Estate – Residential			12,871			1,516			11,355			1,220
Real Estate – Home Equity			3,332			1,157			2,175			515
Consumer			113			45			68			1
Total		$	37,335		$	4,896		$	32,439		$	4,117

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

		Three Months Ended September 30,												Nine Months Ended September 30,
		2018						2017						2018						2017
		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		$	1,040		$	19		$	963		$	12		$	1,185		$	69		$	1,051		$	35
Real Estate – Construction			915			2			363			-			716			3			334			2
Real Estate – Commercial Mortgage			18,470			167			21,109			219			18,666			511			22,283			662
Real Estate – Residential			11,393			133			14,068			162			12,215			417			14,608			516
Real Estate – Home Equity			2,415			23			3,114			28			2,840			74			3,280			81
Consumer			92			2			136			2			102			6			148			6
Total		$	34,325		$	346		$	39,753		$	423		$	35,724		$	1,080		$	41,704		$	1,302

Schedule of risk category of loans by segment

		Commercial,
		Financial,									Total Criticized
(Dollars in Thousands)		Agriculture			Real Estate			Consumer			Loans
September 30, 2018
Special Mention		$	357		$	12,674		$	56		$	13,087
Substandard			594			26,058			386			27,038
Doubtful			-			-			-			-
Total Criticized Loans		$	951		$	38,732		$	442		$	40,125
December 31, 2017
Special Mention		$	7,879		$	13,324		$	65		$	21,268
Substandard			1,057			29,291			654			31,002
Doubtful			-			-			-			-
Total Criticized Loans		$	8,936		$	42,615		$	719		$	52,270

Schedule of troubled debt restructurings loans

		September 30, 2018						December 31, 2017
(Dollars in Thousands)		Accruing			Nonaccruing			Accruing			Nonaccruing
Commercial, Financial and Agricultural		$	650		$	219		$	822		$	-
Real Estate – Construction			61			-			64			-
Real Estate – Commercial Mortgage			15,847			1,226			17,058			1,636
Real Estate – Residential			9,980			1,120			11,666			503
Real Estate – Home Equity			2,033			97			2,441			186
Consumer			90			-			113			-
Total TDRs		$	28,661		$	2,662		$	32,164		$	2,325

Schedule of loans classified as TDRs

		Three Months Ended September 30,								Nine Months Ended September 30,
		2018								2018
				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		$	498		$	230
Real Estate – Construction		-			-			-		-			-			-
Real Estate – Commercial Mortgage		-			-			-		1			227			228
Real Estate – Residential		1			72			76		2			105			108
Real Estate – Home Equity		-			-			-		1			27			27
Consumer		-			-			-		-			-			-
Total TDRs		1		$	72		$	76		5		$	857		$	593
		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

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

		Three Months Ended September 30,					Nine Months Ended September 30,
		2018					2018
		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		-			-		1			64
Real Estate – Residential		-			-		-			-
Real Estate – Home Equity		-			-		-			-
Consumer		-			-		-			-
Total TDRs		-		$	-		1		$	64

		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		-			-			-			-

Schedule of loans modified as TDRs information

		Three Months Ended September 30,					Nine Months Ended September 30,
		2018					2018
		Number of		Recorded			Number of		Recorded
(Dollars in Thousands)		Contracts		Investment(1)			Contracts		Investment(1)
Extended amortization		1		$	76		2		$	303
Interest rate adjustment		-			-		1			33
Extended amortization and interest rate adjustment		-			-		1			27
Principal moratorium		-			-		1			230
Total TDRs		1		$	76		5		$	593

		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

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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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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

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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

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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

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