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LOANS, NET (Tables)

3 Months Ended

Mar. 31, 2019

Receivables [Abstract]

Schedule of composition of the loan portfolio

(Dollars in Thousands)		March 31, 2019			December 31, 2018
Commercial, Financial and Agricultural		$	238,942		$	233,689
Real Estate – Construction			87,123			89,527
Real Estate – Commercial Mortgage			615,129			602,061
Real Estate – Residential(1)			349,004			342,215
Real Estate – Home Equity			209,194			210,111
Consumer(2)			297,713			296,622
	Loans, Net of Unearned Income	$	1,797,105		$	1,774,225

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

	March 31, 2019						December 31, 2018
(Dollars in Thousands)	Nonaccrual			90 + Days			Nonaccrual			90 + Days
Commercial, Financial and Agricultural	$	223		$	-		$	267		$	-
Real Estate – Construction		323			-			722			-
Real Estate – Commercial Mortgage		1,976			-			2,860			-
Real Estate – Residential		1,341			-			2,119			-
Real Estate – Home Equity		1,033			-			584			-
Consumer		151			-			320			-
Total Nonaccrual Loans	$	5,047		$	-		$	6,872		$	-

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)
March 31, 2019
Commercial, Financial and Agricultural	$	509		$	128		$	-		$	637		$	238,082		$	238,942
Real Estate – Construction		59			-			-			59			86,741			87,123
Real Estate – Commercial Mortgage		1,235			340			-			1,575			611,578			615,129
Real Estate – Residential		560			100			-			660			347,003			349,004
Real Estate – Home Equity		415			48			-			463			207,698			209,194
Consumer		1,065			223			-			1,288			296,274			297,713
Total Past Due Loans	$	3,843		$	839		$	-		$	4,682		$	1,787,376		$	1,797,105
December 31, 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
(1) Total Loans include nonaccrual loans of $5.0 million and $6.9 million at March 31, 2019 and December 31, 2018, respectively.

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, 2019
Beginning Balance		$	1,434		$	280		$	4,181		$	3,400		$	2,301		$	2,614		$	14,210
	Provision for Loan Losses		217			101			(103)			6			(20)			566			767
	Charge-Offs		(95)			-			(155)			(264)			(52)			(795)			(1,361)
	Recoveries		74			-			70			44			32			284			504
	Net Charge-Offs		(21)			-			(85)			(220)			(20)			(511)			(857)
Ending Balance		$	1,630		$	381		$	3,993		$	3,186		$	2,261		$	2,669		$	14,120
Three Months Ended
March 31, 2018
Beginning Balance		$	1,191		$	122		$	4,346		$	3,206		$	2,506		$	1,936		$	13,307
	Provision for Loan Losses		(44)			128			(126)			180			(90)			697			745
	Charge-Offs		(182)			(7)			(290)			(107)			(158)			(695)			(1,439)
	Recoveries		166			1			123			84			61			210			645
	Net Charge-Offs		(16)			(6)			(167)			(23)			(97)			(485)			(794)
Ending Balance		$	1,131		$	244		$	4,053		$	3,363		$	2,319		$	2,148		$	13,258

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, 2019
Period-end amount
Allocated to:
Loans Individually
Evaluated for Impairment	$	186		$	152		$	827		$	625		$	310		$	2		$	2,102
Loans Collectively
Evaluated for Impairment		1,444			229			3,166			2,561			1,951			2,667			12,018
Ending Balance	$	1,630		$	381		$	3,993		$	3,186		$	2,261		$	2,669		$	14,120
December 31, 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
March 31, 2018
Period-end amount
Allocated to:
Loans Individually
Evaluated for Impairment	$	182		$	114		$	1,779		$	1,412		$	389		$	1		$	3,877
Loans Collectively
Evaluated for Impairment		949			130			2,274			1,951			1,930			2,147			9,381
Ending Balance	$	1,131		$	244		$	4,053		$	3,363		$	2,319		$	2,148		$	13,258

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, 2019
Individually Evaluated for
Impairment		$	787		$	382		$	11,908		$	8,930		$	2,630		$	84		$	24,721
Collectively Evaluated for
Impairment			238,155			86,741			603,221			340,074			206,564			297,629			1,772,384
Total		$	238,942		$	87,123		$	615,129		$	349,004		$	209,194		$	297,713		$	1,797,105
December 31, 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
March 31, 2018
Individually Evaluated for
Impairment		$	1,283		$	671		$	18,445		$	13,204		$	3,198		$	109		$	36,910
Collectively Evaluated for
Impairment			197,492			79,565			532,864			308,834			220,796			285,434			1,624,985
Total		$	198,775		$	80,236		$	551,309		$	322,038		$	223,994		$	285,543		$	1,661,895

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, 2019
Commercial, Financial and Agricultural		$	787		$	96		$	691		$	186
Real Estate – Construction			382			59			323			152
Real Estate – Commercial Mortgage			11,908			2,453			9,455			827
Real Estate – Residential			8,930			2,402			6,528			625
Real Estate – Home Equity			2,630			1,057			1,573			310
Consumer			84			47			37			2
Total		$	24,721		$	6,114		$	18,607		$	2,102
December 31, 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

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

		Three Months Ended March 31,
		2019						2018
		Average			Total			Average			Total
		Recorded			Interest			Recorded			Interest
(Dollars in Thousands)		Investment			Income			Investment			Income
Commercial, Financial and Agricultural		$	830		$	11		$	1,330		$	29
Real Estate – Construction			582			-			517			1
Real Estate – Commercial Mortgage			12,279			123			18,862			175
Real Estate – Residential			9,761			127			13,038			148
Real Estate – Home Equity			2,420			26			3,265			26
Consumer			86			2			111			2
Total		$	25,958		$	289		$	37,123		$	381

Schedule of risk category of loans by segment

		Commercial,
		Financial,									Total
(Dollars in Thousands)		Agriculture			Real Estate			Consumer			Loans
March 31, 2019
Pass		$	237,133		$	1,222,160		$	297,255		$	1,756,548
Special Mention			1,109			17,178			51			18,338
Substandard			700			21,112			407			22,219
Doubtful			-			-			-			-
Total Loans		$	238,942		$	1,260,450		$	297,713		$	1,797,105
December 31, 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

Schedule of troubled debt restructurings loans

		March 31, 2019						December 31, 2018
(Dollars in Thousands)		Accruing			Nonaccruing			Accruing			Nonaccruing
Commercial, Financial and Agricultural		$	695		$	-		$	873		$	-
Real Estate – Construction			59			-			59			-
Real Estate – Commercial Mortgage			9,652			674			9,910			1,239
Real Estate – Residential			8,371			535			9,234			1,222
Real Estate – Home Equity			1,930			178			1,920			179
Consumer			84			-			88			-
Total TDRs		$	20,791		$	1,387		$	22,084		$	2,640

Schedule of loans classified as TDRs

		Three Months Ended March 31,					Three Months Ended March 31,
		2019					2018
				Post-					Post-
		Number		Modified			Number		Modified
		of		Recorded			of		Recorded
(Dollars in Thousands)		Contracts		Investment(1)			Contracts		Investment
Commercial, Financial and Agricultural		-		$	-		1		$	230
Real Estate – Construction		-			-		-			-
Real Estate – Commercial Mortgage		-			-		1			228
Real Estate – Residential		1			74		-			-
Real Estate – Home Equity		1			31		-			-
Consumer		-			-		-			-
Total TDRs		2		$	105		2		$	458

Schedule of loans modified as TDRs information

		Three Months Ended March 31,					Three Months Ended March 31,
		2019					2018
		Number of		Recorded			Number of		Recorded
(Dollars in Thousands)		Contracts		Investment			Contracts		Investment(1)
Extended amortization		-		$	-		1		$	228
Interest rate adjustment		-			-		-			-
Extended amortization and interest rate adjustment		2			105		-			-
Principal Moratorium		-			-		1			230
Other		-			-		-			-
Total TDRs		2		$	105		2		$	458

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