XML 36 R26.htm IDEA: XBRL DOCUMENT v3.7.0.1

Note 4 - Credit Quality (Tables)

3 Months Ended

Mar. 31, 2017

Notes Tables

Financing Receivable Credit Quality Indicators [Table Text Block]

		March 31, 2017
						Special
(Amounts in thousands)		Pass				Mention				Substandard				Doubtful				Loss				Total
Non-covered loans
Commercial loans
Construction, development, and other land		$	59,923			$	745			$	402			$	-			$	-			$	61,070
Commercial and industrial			82,879				2,125				3,366				-				-				88,370
Multi-family residential			135,915				7,178				754				-				-				143,847
Single family non-owner occupied			132,231				5,545				5,532				-				-				143,308
Non-farm, non-residential			565,814				9,912				8,136				202				-				584,064
Agricultural			5,739				266				128				-				-				6,133
Farmland			26,976				828				1,437				-				-				29,241
Consumer real estate loans
Home equity lines			102,487				851				1,479				-				-				104,817
Single family owner occupied			473,505				4,260				22,629				-				-				500,394
Owner occupied construction			44,704				-				235				407				-				45,346
Consumer and other loans
Consumer loans			73,460				3				171				-				-				73,634
Other			4,147				-				-				-				-				4,147
Total non-covered loans			1,707,780				31,713				44,269				609				-				1,784,371
Covered loans
Commercial loans
Construction, development, and other land			2,585				359				1,393				-				-				4,337
Commercial and industrial			625				-				12				-				-				637
Multi-family residential			1				-				3				-				-				4
Single family non-owner occupied			863				31				86				-				-				980
Non-farm, non-residential			4,948				516				556				-				-				6,020
Agricultural			25				-				-				-				-				25
Farmland			125				-				261				-				-				386
Consumer real estate loans
Home equity lines			13,627				18,589				727				-				-				32,943
Single family owner occupied			4,089				896				1,095				-				-				6,080
Consumer and other loans
Consumer loans			-				-				-				-				-				-
Total covered loans			26,888				20,391				4,133				-				-				51,412
Total loans		$	1,734,668			$	52,104			$	48,402			$	609			$	-			$	1,835,783

		December 31, 2016
						Special
(Amounts in thousands)		Pass				Mention				Substandard				Doubtful				Loss				Total
Non-covered loans
Commercial loans
Construction, development, and other land		$	55,188			$	980			$	780			$	-			$	-			$	56,948
Commercial and industrial			87,581				3,483				1,137				-				3				92,204
Multi-family residential			126,468				6,992				768				-				-				134,228
Single family non-owner occupied			131,934				5,466				5,565				-				-				142,965
Non-farm, non-residential			579,134				10,236				9,102				202				-				598,674
Agricultural			5,839				164				-				-				-				6,003
Farmland			28,887				1,223				1,619				-				-				31,729
Consumer real estate loans
Home equity lines			104,033				871				1,457				-				-				106,361
Single family owner occupied			475,402				4,636				20,381				472				-				500,891
Owner occupied construction			43,833				-				702				-				-				44,535
Consumer and other loans
Consumer loans			77,218				11				216				-				-				77,445
Other			3,971				-				-				-				-				3,971
Total non-covered loans			1,719,488				34,062				41,727				674				3				1,795,954
Covered loans
Commercial loans
Construction, development, and other land			2,768				803				999				-				-				4,570
Commercial and industrial			882				-				13				-				-				895
Multi-family residential			-				-				8				-				-				8
Single family non-owner occupied			796				63				103				-				-				962
Non-farm, non-residential			6,423				537				552				-				-				7,512
Agricultural			25				-				-				-				-				25
Farmland			132				-				265				-				-				397
Consumer real estate loans
Home equity lines			14,283				20,763				771				-				-				35,817
Single family owner occupied			4,601				928				1,200				-				-				6,729
Consumer and other loans
Consumer loans			79				-				-				-				-				79
Total covered loans			29,989				23,094				3,911				-				-				56,994
Total loans		$	1,749,477			$	57,156			$	45,638			$	674			$	3			$	1,852,948

Impaired Financing Receivables [Table Text Block]

		March 31, 2017												December 31, 2016
						Unpaid												Unpaid
		Recorded				Principal				Related				Recorded				Principal				Related
(Amounts in thousands)		Investment				Balance				Allowance				Investment				Balance				Allowance
Impaired loans with no related allowance
Commercial loans
Construction, development, and other land		$	11			$	11			$	-			$	33			$	35			$	-
Commercial and industrial			327				345				-				346				383				-
Multi-family residential			355				436				-				294				369				-
Single family non-owner occupied			3,323				3,515				-				3,084				3,334				-
Non-farm, non-residential			2,746				3,461				-				3,829				4,534				-
Agricultural			128				128				-				-				-				-
Farmland			1,013				1,048				-				1,161				1,188				-
Consumer real estate loans
Home equity lines			1,037				1,098				-				913				968				-
Single family owner occupied			12,264				13,136				-				11,779				12,630				-
Owner occupied construction			236				236				-				573				589				-
Consumer and other loans
Consumer loans			47				49				-				62				103				-
Total impaired loans with no allowance			21,487				23,463				-				22,074				24,133				-
Impaired loans with a related allowance
Commercial loans
Construction, development, and other land			434				434				10				-				-				-
Commercial and industrial			2,393				2,393				235				-				-				-
Single family non-owner occupied			347				347				65				351				351				31
Non-farm, non-residential			1,169				1,169				158				-				-				-
Farmland			-				-				-				430				430				18
Consumer real estate loans
Home equity lines			419				422				21				-				-				-
Single family owner occupied			6,446				6,509				781				4,118				4,174				770
Total impaired loans with an allowance			11,208				11,274				1,270				4,899				4,955				819
Total impaired loans (1)		$	32,695			$	34,737			$	1,270			$	26,973			$	29,088			$	819

Schedule of Impaired Financing Receivable, Average Recorded Investment and Interest Income Recognized [Table Text Block]

		Three Months Ended March 31,
		2017								2016
(Amounts in thousands)		Interest Income Recognized				Average Recorded Investment				Interest Income Recognized				Average Recorded Investment
Impaired loans with no related allowance:
Commercial loans
Construction, development, and other land		$	-			$	11			$	-			$	169
Commercial and industrial			2				330				-				147
Multi-family residential			-				356				-				68
Single family non-owner occupied			43				3,326				16				2,018
Non-farm, non-residential			4				2,725				71				11,735
Agricultural			-				126				-				-
Farmland			-				1,006				-				145
Consumer real estate loans
Home equity lines			15				1,042				7				1,346
Single family owner occupied			87				12,203				54				11,070
Owner occupied construction			3				233				3				241
Consumer and other loans
Consumer loans			-				50				-				35
Total impaired loans with no related allowance			154				21,408				151				26,974
Impaired loans with a related allowance:
Commercial loans
Construction, development, and other land			-				428				-				-
Commercial and industrial			15				312				-				-
Single family non-owner occupied			8				343				7				358
Non-farm, non-residential			10				1,154				88				5,358
Consumer real estate loans
Home equity lines			-				417				-				-
Single family owner occupied			35				6,373				38				4,961
Owner occupied construction			-				-				-				346
Total impaired loans with a related allowance			68				9,027				133				11,023
Total impaired loans		$	222			$	30,435			$	284			$	37,997

Impaired Financing Receivables, Summarized Information [Table Text Block]

		March 31, 2017				December 31, 2016
(Amounts in thousands, except impaired loan pools)
Unpaid principal balance		$	1,068			$	1,086
Recorded investment			1,064				1,085
Allowance for loan losses related to PCI loan pools			12				12
Impaired PCI loan pools			1				1

		Three Months Ended March 31,
		2017				2016
(Amounts in thousands)
Interest income recognized		$	10			$	83
Average recorded investment			1,075				2,791

Schedule of Financing Receivables, Non Accrual Status [Table Text Block]

		March 31, 2017												December 31, 2016
(Amounts in thousands)		Non-covered				Covered				Total				Non-covered				Covered				Total
Commercial loans
Construction, development, and other land		$	185			$	452			$	637			$	72			$	32			$	104
Commercial and industrial			206				12				218				332				13				345
Multi-family residential			355				-				355				294				-				294
Single family non-owner occupied			1,194				23				1,217				1,242				24				1,266
Non-farm, non-residential			3,468				28				3,496				3,295				30				3,325
Agricultural			128				-				128				-				-				-
Farmland			1,432				-				1,432				1,591				-				1,591
Consumer real estate loans
Home equity lines			833				298				1,131				705				400				1,105
Single family owner occupied			10,691				105				10,796				7,924				109				8,033
Owner occupied construction			-				-				-				336				-				336
Consumer and other loans
Consumer loans			45				-				45				63				-				63
Total nonaccrual loans		$	18,537			$	918			$	19,455			$	15,854			$	608			$	16,462

Past Due Financing Receivables [Table Text Block]

		March 31, 2017
		30 - 59 Days				60 - 89 Days				90+ Days				Total				Current				Total
(Amounts in thousands)		Past Due				Past Due				Past Due				Past Due				Loans				Loans
Non-covered loans
Commercial loans
Construction, development, and other land		$	4			$	-			$	-			$	4			$	61,066			$	61,070
Commercial and industrial			23				497				147				667				87,703				88,370
Multi-family residential			399				-				69				468				143,379				143,847
Single family non-owner occupied			571				186				571				1,328				141,980				143,308
Non-farm, non-residential			481				732				1,816				3,029				581,035				584,064
Agricultural			-				-				128				128				6,005				6,133
Farmland			148				-				343				491				28,750				29,241
Consumer real estate loans
Home equity lines			160				84				326				570				104,247				104,817
Single family owner occupied			4,100				1,984				4,974				11,058				489,336				500,394
Owner occupied construction			102				280				-				382				44,964				45,346
Consumer and other loans
Consumer loans			146				23				33				202				73,432				73,634
Other			114				35				-				149				3,998				4,147
Total non-covered loans			6,248				3,821				8,407				18,476				1,765,895				1,784,371
Covered loans
Commercial loans
Construction, development, and other land			440				-				452				892				3,445				4,337
Commercial and industrial			-				-				-				-				637				637
Multi-family residential			-				-				-				-				4				4
Single family non-owner occupied			23				-				-				23				957				980
Non-farm, non-residential			-				-				-				-				6,020				6,020
Agricultural			-				-				-				-				25				25
Farmland			-				-				-				-				386				386
Consumer real estate loans
Home equity lines			64				50				45				159				32,784				32,943
Single family owner occupied			217				25				39				281				5,799				6,080
Owner occupied construction			-				-				-				-				-				-
Consumer and other loans
Consumer loans			-				-				-				-				-				-
Total covered loans			744				75				536				1,355				50,057				51,412
Total loans		$	6,992			$	3,896			$	8,943			$	19,831			$	1,815,952			$	1,835,783

		December 31, 2016
		30 - 59 Days				60 - 89 Days				90+ Days				Total				Current				Total
(Amounts in thousands)		Past Due				Past Due				Past Due				Past Due				Loans				Loans
Non-covered loans
Commercial loans
Construction, development, and other land		$	33			$	5			$	17			$	55			$	56,893			$	56,948
Commercial and industrial			174				30				149				353				91,851				92,204
Multi-family residential			163				-				281				444				133,784				134,228
Single family non-owner occupied			1,302				159				835				2,296				140,669				142,965
Non-farm, non-residential			1,235				332				2,169				3,736				594,938				598,674
Agricultural			-				5				-				5				5,998				6,003
Farmland			224				343				565				1,132				30,597				31,729
Consumer real estate loans
Home equity lines			78				136				658				872				105,489				106,361
Single family owner occupied			4,777				2,408				3,311				10,496				490,395				500,891
Owner occupied construction			342				336				-				678				43,857				44,535
Consumer and other loans
Consumer loans			371				90				15				476				76,969				77,445
Other			-				-				-				-				3,971				3,971
Total non-covered loans			8,699				3,844				8,000				20,543				1,775,411				1,795,954
Covered loans
Commercial loans
Construction, development, and other land			434				-				32				466				4,104				4,570
Commercial and industrial			-				-				-				-				895				895
Multi-family residential			-				-				-				-				8				8
Single family non-owner occupied			24				-				-				24				938				962
Non-farm, non-residential			32				-				-				32				7,480				7,512
Agricultural			-				-				-				-				25				25
Farmland			-				-				-				-				397				397
Consumer real estate loans
Home equity lines			108				146				62				316				35,501				35,817
Single family owner occupied			58				-				39				97				6,632				6,729
Owner occupied construction			-				-				-				-				-				-
Consumer and other loans
Consumer loans			-				-				-				-				79				79
Total covered loans			656				146				133				935				56,059				56,994
Total loans		$	9,355			$	3,990			$	8,133			$	21,478			$	1,831,470			$	1,852,948

Trouble Debt Restructuring Accrual Status [Table Text Block]

		March 31, 2017												December 31, 2016
(Amounts in thousands)		Nonaccrual (1)				Accruing				Total				Nonaccrual (1)				Accruing				Total
Commercial loans
Single family non-owner occupied		$	35			$	880			$	915			$	38			$	892			$	930
Non-farm, non-residential			-				295				295				-				4,160				4,160
Consumer real estate loans
Home equity lines			-				152				152				-				158				158
Single family owner occupied			1,060				7,031				8,091				905				7,503				8,408
Owner occupied construction			333				235				568				341				239				580
Total TDRs		$	1,428			$	8,593			$	10,021			$	1,284			$	12,952			$	14,236
Allowance for loan losses related to TDRs										$	707											$	670

Interest Income Related to Troubled Debt Restructurings [Table Text Block]

		Three Months Ended March 31,
		2017				2016
(Amounts in thousands)
Interest income recognized		$	84			$	78

Other Real Estate Owned [Table Text Block]

		March 31, 2017				December 31, 2016
(Amounts in thousands)
Non-covered OREO		$	4,477			$	5,109
Covered OREO			241				276
Total OREO		$	4,718			$	5,385
Non-covered OREO secured by residential real estate		$	1,681			$	1,746
Residential real estate loans in the foreclosure process (1)			4,062				2,539

X

- Definition

Tabular disclosure of summarized information for impaired financing receivables.

+ References

No definition available.

+ Details

Name:	fcbc_ImpairedFinancingReceivablesSummarizedInformationTableTextBlock
Namespace Prefix:	fcbc_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of interest income related to troubled debt restructurings.

+ References

No definition available.

+ Details

Name:	fcbc_InterestIncomeRelatedToTroubledDebtRestructuringsTableTextBlock
Namespace Prefix:	fcbc_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of other real estate owned.

+ References

No definition available.

+ Details

Name:	fcbc_OtherRealEstateOwnedTableTextBlock
Namespace Prefix:	fcbc_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of impaired financing receivable related to average recorded investment and interest income recognized.

+ References

No definition available.

+ Details

Name:	fcbc_ScheduleOfImpairedFinancingReceivableAverageRecordedInvestmentAndInterestIncomeRecognizedTableTextBlock
Namespace Prefix:	fcbc_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of accrual status related to trouble debt restructuring .

+ References

No definition available.

+ Details

Name:	fcbc_TroubleDebtRestructuringAccrualStatusTableTextBlock
Namespace Prefix:	fcbc_
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

- 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

- References

No definition available.

+ Details

Name:	us-gaap_TableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	xbrli:stringItemType
Balance Type:	na
Period Type:	duration