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LOANS, NET (Tables)

12 Months Ended

Dec. 31, 2018

Receivables [Abstract]

Schedule of composition of the loan portfolio

(Dollars in Thousands)		2018			2017
Commercial, Financial and Agricultural		$	233,689		$	218,166
Real Estate – Construction			89,527			77,966
Real Estate – Commercial Mortgage			602,061			535,707
Real Estate – Residential(1)			342,215			311,906
Real Estate – Home Equity			210,111			229,513
Consumer(2)			296,622			280,234
	Loans, Net of Unearned Income	$	1,774,225		$	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

	2018						2017
(Dollars in Thousands)	Nonaccrual			90 + Days			Nonaccrual			90 + Days
Commercial, Financial and Agricultural	$	267		$	-		$	629		$	-
Real Estate – Construction		722			-			297			-
Real Estate – Commercial Mortgage		2,860			-			2,370			-
Real Estate – Residential		2,119			-			1,938			-
Real Estate – Home Equity		584			-			1,748			-
Consumer		320			-			177			36
Total Nonaccrual Loans	$	6,872		$	-		$	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)
2018
Commercial, Financial and Agricultural	$	104		$	58		$	-		$	162		$	233,260		$	233,689
Real Estate – Construction		489			-			-			489			88,316			89,527
Real Estate – Commercial Mortgage		124			-			-			124			599,077			602,061
Real Estate – Residential		745			627			-			1,372			338,724			342,215
Real Estate – Home Equity		512			124			-			636			208,891			210,111
Consumer		1,661			313			-			1,974			294,328			296,622
Total Past Due Loans	$	3,635		$	1,122		$	-		$	4,757		$	1,762,596		$	1,774,225
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 of $6.9 million for 2018 and $7.2 million for 2017.

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
2018
Beginning Balance	$	1,191		$	122		$	4,346		$	3,206		$	2,506		$	1,936		$	13,307
Provision for Loan Losses		428			139			(223)			331			137			2,109			2,921
Charge-Offs		(644)			(7)			(315)			(780)			(533)			(2,395)			(4,674)
Recoveries		459			26			373			643			191			964			2,656
Net Charge-Offs		(185)			19			58			(137)			(342)			(1,431)			(2,018)
Ending Balance	$	1,434		$	280		$	4,181		$	3,400		$	2,301		$	2,614		$	14,210
2017
Beginning Balance	$	1,198		$	168		$	4,315		$	3,445		$	2,297		$	2,008		$	13,431
Provision for Loan Losses		1,037			(96)			542			(444)			180			996			2,215
Charge-Offs		(1,357)			-			(685)			(411)			(190)			(2,193)			(4,836)
Recoveries		313			50			174			616			219			1,125			2,497
Net Charge-Offs		(1,044)			50			(511)			205			29			(1,068)			(2,339)
Ending Balance	$	1,191		$	122		$	4,346		$	3,206		$	2,506		$	1,936		$	13,307
2016
Beginning Balance	$	905		$	101		$	4,498		$	4,409		$	2,473		$	1,567		$	13,953
Provision for Loan Losses		817			67			(242)			(1,296)			(135)			1,608			819
Charge-Offs		(861)			-			(349)			(899)			(450)			(2,127)			(4,686)
Recoveries		337			-			408			1,231			409			960			3,345
Net Charge-Offs		(524)			-			59			332			(41)			(1,167)			(1,341)
Ending Balance	$	1,198		$	168		$	4,315		$	3,445		$	2,297		$	2,008		$	13,431

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
2018
Period-end amount
Allocated to:
	Loans Individually
	Evaluated for Impairment	$	118		$	52		$	1,026		$	919		$	289		$	1		$	2,405
	Loans Collectively
	Evaluated for Impairment		1,316			228			3,155			2,481			2,012			2,613			11,805
Ending Balance		$	1,434		$	280		$	4,181		$	3,400		$	2,301		$	2,614		$	14,210
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
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

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
2018
Individually Evaluated
for Impairment		$	873		$	781		$	12,650		$	10,593		$	2,210		$	88		$	27,195
Collectively Evaluated
for Impairment			232,816			88,746			589,411			331,622			207,901			296,534			1,747,030
Total		$	233,689		$	89,527		$	602,061		$	342,215		$	210,111		$	296,622		$	1,774,225
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
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

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
2018
Commercial, Financial and Agricultural	$	873		$	101		$	772		$	118
Real Estate – Construction		781			459			322			52
Real Estate – Commercial Mortgage		12,650			2,384			10,266			1,026
Real Estate – Residential		10,593			1,482			9,111			919
Real Estate – Home Equity		2,210			855			1,355			289
Consumer		88			49			39			1
Total	$	27,195		$	5,330		$	21,865		$	2,405
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

	2018						2017						2016
	Average			Total			Average			Total			Average			Total
	Recorded			Interest			Recorded			Interest			Recorded			Interest
(Dollars in Thousands)	Investment			Income			Investment			Income			Investment			Income
Commercial, Financial and Agricultural	$	1,123		$	87		$	1,117		$	48		$	886		$	49
Real Estate – Construction		729			3			339			4			69			1
Real Estate – Commercial Mortgage		17,463			653			21,682			911			21,376			920
Real Estate – Residential		11,890			550			14,261			683			17,314			786
Real Estate – Home Equity		2,714			98			3,290			108			3,076			115
Consumer		99			7			141			8			207			9
Total	$	34,018		$	1,398		$	40,830		$	1,762		$	42,928		$	1,880

Schedule of risk category of loans by segment

		Commercial,
		Financial,									Total
(Dollars in Thousands)		Agriculture			Real Estate			Consumer			Loans
2018
Pass		$	232,417		$	1,211,451		$	295,888		$	1,739,756
Special Mention			479			11,048			54			11,581
Substandard			793			21,415			680			22,888
Doubtful			-			-			-			-
Total Loans		$	233,689		$	1,243,914		$	296,622		$	1,774,225
2017
Pass		$	209,230		$	1,112,477		$	279,515		$	1,601,222
Special Mention			7,879			13,324			65			21,268
Substandard			1,057			29,291			654			31,002
Doubtful			-			-			-			-
Total Loans		$	218,166		$	1,155,092		$	280,234		$	1,653,492

Schedule of troubled debt restructurings loans

		2018						2017
(Dollars in Thousands)		Accruing			Nonaccruing			Accruing			Nonaccruing
Commercial, Financial and Agricultural		$	873		$	-		$	822		$	-
Real Estate – Construction			59			-			64			-
Real Estate – Commercial Mortgage			9,910			1,239			17,058			1,636
Real Estate – Residential			9,234			1,222			11,666			503
Real Estate – Home Equity			1,920			179			2,441			186
Consumer			88			-			113			-
Total TDRs		$	22,084		$	2,640		$	32,164		$	2,325

Schedule of loans classified as troubled debt in which modifications made

		2018					2017					2016
		Number					Number					Number
		of		Recorded			of		Recorded			of		Recorded
(Dollars in Thousands)		Contracts		Investment(1)			Contracts		Investment(1)			Contracts		Investment(1)
Commercial, Financial and Agricultural		1		$	230		1		$	22		-		$	-
Real Estate – Construction		-			-		1			65		-			-
Real Estate – Commercial Mortgage		1			228		1			70		3			5,012
Real Estate – Residential		2			108		2			283		6			590
Real Estate – Home Equity		2			110		4			203		5			206
Consumer		-			-		-			-		-			-
Total TDRs		6		$	676		9		$	643		14		$	5,808
(1) Recorded investment reflects charge-offs and additional funds advanced at time of restructure, if applicable.

		2018					2017					2016
		Number		Post-Modified			Number		Post-Modified			Number		Post-Modified
		of		Recorded			of		Recorded			of		Recorded
(Dollars in Thousands)		Contracts		Investment			Contracts		Investment			Contracts		Investment
Extended amortization		2		$	303		1		$	70		3		$	4,703
Interest rate adjustment		1			33		3			302		-			-
Extended amortization and
interest rate adjustment		1			27		4			249		11			1,105
Principal Moratorium		2			313		-			-		-			-
Other		-			-		1			22		-			-
Total TDRs		6		$	676		9		$	643		14		$	5,808

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