XML 53 R22.htm IDEA: XBRL DOCUMENT
v3.20.1

LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Tables) | 3 Months Ended
--- | ---
Mar. 31, 2020
Loans Held For Investment And Allowance For Credit Losses [Abstract] |
Schedule of composition of the loan portfolio |
(Dollars in Thousands) | March 31, 2020 |  | December 31, 2019
Commercial, Financial and Agricultural | $ | 249,020 |  | $ | 255,365
Real Estate – Construction |  | 122,595 |  |  | 115,018
Real Estate – Commercial Mortgage |  | 656,084 |  |  | 625,556
Real Estate – Residential(1) |  | 360,730 |  |  | 361,450
Real Estate – Home Equity |  | 196,443 |  |  | 197,360
Consumer(2) |  | 277,515 |  |  | 281,180
| Loans, Net of Unearned Income | $ | 1,862,387 |  | $ | 1,835,929
(1) Includes loans in process with outstanding balances of $7.3 million and $8.3 million at March 31, 2020 and December 31, 2019, respective ly. (2) Includes overdraft balances of $1.5 million and $1.6 million at March 31, 2020 and December 31, 2019, 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, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance | $ | 1,675 |  | $ | 370 |  | $ | 3,416 |  | $ | 3,128 |  | $ | 2,224 |  | $ | 3,092 |  | $ | 13,905
| Impact of Adopting ASC 326 |  | 488 |  |  | 302 |  |  | 1,458 |  |  | 1,243 |  |  | 374 |  |  | (596) |  |  | 3,269
| Provision for Credit Losses |  | 406 |  |  | 567 |  |  | 774 |  |  | 1,704 |  |  | 101 |  |  | 1,438 |  |  | 4,990
| Charge-Offs |  | (362) |  |  | - |  |  | (11) |  |  | (110) |  |  | (31) |  |  | (1,566) |  |  | (2,080)
| Recoveries |  | 40 |  |  | - |  |  | 191 |  |  | 40 |  |  | 33 |  |  | 695 |  |  | 999
| Net Charge-Offs |  | (322) |  |  | - |  |  | 180 |  |  | (70) |  |  | 2 |  |  | (871) |  |  | (1,081)
Ending Balance | $ | 2,247 |  | $ | 1,239 |  | $ | 5,828 |  | $ | 6,005 |  | $ | 2,701 |  | $ | 3,063 |  | $ | 21,083
Three Months Ended |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
March 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance | $ | 1,434 |  | $ | 280 |  | $ | 4,181 |  | $ | 3,400 |  | $ | 2,301 |  | $ | 2,614 |  | $ | 14,210
| Provision for Credit 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
Schedule of recorded investment in nonaccrual loans and loans past due over 90 days and still on accrual by class of loans |
| March 31, 2020 |  | December 31, 2019
|  |  |  | Nonaccrual |  |  |  |  |  |  |  | Nonaccrual |  |  |
| Total |  | With No |  | 90 + Days |  | Total |  | With No |  | 90 + Days
(Dollars in Thousands) | Nonaccrual |  | ACL |  | Still Accruing |  | Nonaccrual |  | ACL |  | Still Accruing
Commercial, Financial and Agricultural | $ | 358 |  | $ | - |  | $ | - |  | $ | 446 |  | $ | - |  | $ | -
Real Estate – Commercial Mortgage |  | 1,332 |  |  | 676 |  |  | - |  |  | 1,434 |  |  | 958 |  |  | -
Real Estate – Residential |  | 2,214 |  |  | 1,656 |  |  | - |  |  | 1,392 |  |  | 227 |  |  | -
Real Estate – Home Equity |  | 692 |  |  | - |  |  | - |  |  | 797 |  |  | - |  |  | -
Consumer |  | 278 |  |  | - |  |  | - |  |  | 403 |  |  | - |  |  | -
Total Nonaccrual Loans | $ | 4,874 |  | $ | 2,332 |  | $ | - |  | $ | 4,472 |  | $ | 1,185 |  | $ | -
Amortized cost basis of collateral-dependent loans |
| March 31, 2020
| Real Estate |  | Non Real Estate
(Dollars in Thousands) | Secured |  | Secured
Commercial, Financial and Agricultural | $ | 46 |  | $ | -
Real Estate - Commercial Mortgage |  | 4,481 |  |  | -
Real Estate - Residential |  | 2,373 |  |  | -
Real Estate - Home Equity |  | 489 |  |  | -
Consumer |  | - |  |  | -
Total | $ | 7,389 |  | $ | -
Schedule of aging of the recorded investment in accruing 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, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, Financial and Agricultural | $ | 495 |  | $ | 454 |  | $ | - |  | $ | 949 |  | $ | 247,713 |  | $ | 249,020
Real Estate – Construction |  | 530 |  |  | - |  |  | - |  |  | 530 |  |  | 122,065 |  |  | 122,595
Real Estate – Commercial Mortgage |  | 233 |  |  | 631 |  |  | - |  |  | 864 |  |  | 653,888 |  |  | 656,084
Real Estate – Residential |  | 562 |  |  | - |  |  | - |  |  | 562 |  |  | 357,954 |  |  | 360,730
Real Estate – Home Equity |  | 459 |  |  | - |  |  | - |  |  | 459 |  |  | 195,292 |  |  | 196,443
Consumer |  | 1,557 |  |  | 156 |  |  | - |  |  | 1,713 |  |  | 275,524 |  |  | 277,515
Total Loans | $ | 3,836 |  | $ | 1,241 |  | $ | - |  | $ | 5,077 |  | $ | 1,852,436 |  | $ | 1,862,387
December 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, Financial and Agricultural | $ | 489 |  | $ | 191 |  | $ | - |  | $ | 680 |  | $ | 254,239 |  | $ | 255,365
Real Estate – Construction |  | 300 |  |  | 10 |  |  | - |  |  | 310 |  |  | 114,708 |  |  | 115,018
Real Estate – Commercial Mortgage |  | 148 |  |  | 84 |  |  | - |  |  | 232 |  |  | 623,890 |  |  | 625,556
Real Estate – Residential |  | 629 |  |  | 196 |  |  | - |  |  | 825 |  |  | 359,233 |  |  | 361,450
Real Estate – Home Equity |  | 155 |  |  | 20 |  |  | - |  |  | 175 |  |  | 196,388 |  |  | 197,360
Consumer |  | 2,000 |  |  | 649 |  |  | - |  |  | 2,649 |  |  | 278,128 |  |  | 281,180
Total Loans | $ | 3,721 |  | $ | 1,150 |  | $ | - |  | $ | 4,871 |  | $ | 1,826,586 |  | $ | 1,835,929
(1) Total Loans include nonaccrual loans of $4.9 million and $4.5 million at March 31, 2020 and December 31, 2019, respectively.
Summary of gross loans held for investment by years of origination |
The following table summarizes gross loans held for investment by years of origination and internally assigned credit risk ratings (refer to Credit Risk Management section for detail on risk rating system).
| Term Loans by Origination Year |  | Revolving |  |  |
(Dollars in Thousands) | 2020 |  | 2019 |  | 2018 |  | 2017 |  | 2016 |  | Prior |  | Loans |  | Total
As of March 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, Financial, Agriculture: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 15,540 |  | $ | 59,938 |  | $ | 56,515 |  | $ | 22,991 |  | $ | 19,601 |  | $ | 16,357 |  | $ | 57,074 |  | $ | 248,016
Special Mention |  | - |  |  | 4 |  |  | 61 |  |  | 17 |  |  | - |  |  | 65 |  |  | - |  |  | 147
Substandard |  | - |  |  | - |  |  | 456 |  |  | 310 |  |  | 59 |  |  | 27 |  |  | 5 |  |  | 857
Total | $ | 15,540 |  | $ | 59,942 |  | $ | 57,032 |  | $ | 23,318 |  | $ | 19,660 |  | $ | 16,449 |  | $ | 57,079 |  | $ | 249,020
Real Estate - Construction: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 10,866 |  | $ | 73,609 |  | $ | 24,500 |  | $ | 9,548 |  | $ | - |  | $ | 104 |  | $ | 3,968 |  | $ | 122,595
Total | $ | 10,866 |  | $ | 73,609 |  | $ | 24,500 |  | $ | 9,548 |  | $ | - |  | $ | 104 |  | $ | 3,968 |  | $ | 122,595
Real Estate - Commercial Mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 48,981 |  | $ | 126,785 |  | $ | 145,264 |  | $ | 107,176 |  | $ | 54,565 |  | $ | 121,379 |  | $ | 25,938 |  | $ | 630,088
Special Mention |  | 6,782 |  |  | 199 |  |  | 5,139 |  |  | 216 |  |  | - |  |  | 6,819 |  |  | - |  |  | 19,155
Substandard |  | 155 |  |  | 434 |  |  | 305 |  |  | 2,384 |  |  | 32 |  |  | 3,037 |  |  | 494 |  |  | 6,841
Total | $ | 55,918 |  | $ | 127,418 |  | $ | 150,708 |  | $ | 109,776 |  | $ | 54,597 |  | $ | 131,235 |  | $ | 26,432 |  | $ | 656,084
Real Estate - Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 24,620 |  | $ | 91,383 |  | $ | 67,070 |  | $ | 52,706 |  | $ | 25,740 |  | $ | 83,396 |  | $ | 8,215 |  | $ | 353,130
Special Mention |  | 143 |  |  | 27 |  |  | 128 |  |  | 180 |  |  | 96 |  |  | 350 |  |  | - |  |  | 924
Substandard |  | - |  |  | 1,134 |  |  | 1,123 |  |  | 566 |  |  | 727 |  |  | 3,126 |  |  | - |  |  | 6,676
Total | $ | 24,763 |  | $ | 92,544 |  | $ | 68,321 |  | $ | 53,452 |  | $ | 26,563 |  | $ | 86,872 |  | $ | 8,215 |  | $ | 360,730
Real Estate - Home Equity: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | $ | 72 |  | $ | 405 |  | $ | 278 |  | $ | 867 |  | $ | 206 |  | $ | 3,001 |  | $ | 190,922 |  | $ | 195,751
Nonperforming |  | - |  |  | - |  |  | 25 |  |  | - |  |  | - |  |  | 49 |  |  | 618 |  |  | 692
Total | $ | 72 |  | $ | 405 |  | $ | 303 |  | $ | 867 |  | $ | 206 |  | $ | 3,050 |  | $ | 191,540 |  | $ | 196,443
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | $ | 26,670 |  | $ | 98,981 |  | $ | 76,080 |  | $ | 40,469 |  | $ | 20,286 |  | $ | 9,047 |  | $ | 5,704 |  | $ | 277,237
Nonperforming |  | - |  |  | 59 |  |  | 23 |  |  | 103 |  |  | 54 |  |  | 28 |  |  | 11 |  |  | 278
Total | $ | 26,670 |  | $ | 99,040 |  | $ | 76,103 |  | $ | 40,572 |  | $ | 20,340 |  | $ | 9,075 |  | $ | 5,715 |  | $ | 277,515

X
- Definition Schedule of amortized cost basis of collateral-dependent loans. + References No definition available. + Details
Name: | ccbg_ScheduleOfAmortizedCostBasisOfCollateralDependentLoansTableTextBlock
Namespace Prefix: | ccbg_
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/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 5 -URI http://asc.fasb.org/extlink&oid=119407570&loc=SL82919230-210447 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 29 -URI http://asc.fasb.org/extlink&oid=118936363&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 aging analysis for financing receivable. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 14 -URI http://asc.fasb.org/extlink&oid=119407570&loc=SL82919253-210447 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7A -URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953401-111524 Reference 3: http://www.xbrl.org/2003/role/exampleRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 55 -Paragraph 80 -URI http://asc.fasb.org/extlink&oid=118955255&loc=SL82922355-210448 Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7 -URI http://asc.fasb.org/extlink&oid=118936363&loc=d3e5111-111524 + 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://fasb.org/us-gaap/role/ref/legacyRef -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 allowance for credit loss of financing receivable, classified as current. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (c) -URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953423-111524 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 13 -URI http://asc.fasb.org/extlink&oid=119407570&loc=SL82919249-210447 + Details
Name: | us-gaap_ScheduleOfCreditLossesForFinancingReceivablesCurrentTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivable on nonaccrual status. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7 -URI http://asc.fasb.org/extlink&oid=118936363&loc=d3e5111-111524 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 16 -URI http://asc.fasb.org/extlink&oid=119407570&loc=SL82919258-210447 + Details
Name: | us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration