XML 36 R26.htm IDEA: XBRL DOCUMENT v3.8.0.1

Note 4 - Credit Quality (Tables)

3 Months Ended

Mar. 31, 2018

Notes Tables

Financing Receivable Credit Quality Indicators [Table Text Block]

		March 31, 2018
						Special
(Amounts in thousands)		Pass				Mention				Substandard				Doubtful				Loss				Total
Non-covered loans
Commercial loans
Construction, development, and other land		$	50,157			$	951			$	1,156			$	-			$	-			$	52,264
Commercial and industrial			86,653				3,373				335				-				-				90,361
Multi-family residential			117,038				2,583				1,035				-				-				120,656
Single family non-owner occupied			131,129				6,903				4,195				-				-				142,227
Non-farm, non-residential			596,704				11,750				10,245				173				-				618,872
Agricultural			8,865				198				287				-				-				9,350
Farmland			20,885				205				2,477				-				-				23,567
Consumer real estate loans
Home equity lines			99,123				601				1,752				-				-				101,476
Single family owner occupied			475,892				5,088				25,388				-				-				506,368
Owner occupied construction			29,213				-				305				-				-				29,518
Consumer and other loans
Consumer loans			68,353				6				175				-				-				68,534
Other			4,510				-				-				-				-				4,510
Total non-covered loans			1,688,522				31,658				47,350				173				-				1,767,703
Covered loans
Commercial loans
Construction, development, and other land			-				37				-				-				-				37
Single family non-owner occupied			259				-				18				-				-				277
Non-farm, non-residential			-				-				9				-				-				9
Consumer real estate loans
Home equity lines			10,789				9,714				935				-				-				21,438
Single family owner occupied			2,856				387				402				-				-				3,645
Total covered loans			13,904				10,138				1,364				-				-				25,406
Total loans		$	1,702,426			$	41,796			$	48,714			$	173			$	-			$	1,793,109

		December 31, 2017
						Special
(Amounts in thousands)		Pass				Mention				Substandard				Doubtful				Loss				Total
Non-covered loans
Commercial loans
Construction, development, and other land		$	57,768			$	1,367			$	882			$	-			$	-			$	60,017
Commercial and industrial			87,181				3,721				1,286				-				-				92,188
Multi-family residential			118,509				5,663				1,030				-				-				125,202
Single family non-owner occupied			130,689				7,271				3,710				-				-				141,670
Non-farm, non-residential			596,616				12,493				7,351				173				-				616,633
Agricultural			6,639				294				102				-				-				7,035
Farmland			22,875				210				2,564				-				-				25,649
Consumer real estate loans
Home equity lines			100,833				618				1,754				-				-				103,205
Single family owner occupied			471,382				5,480				25,824				-				-				502,686
Owner occupied construction			38,947				-				231				-				-				39,178
Consumer and other loans
Consumer loans			70,448				13				311				-				-				70,772
Other			5,001				-				-				-				-				5,001
Total non-covered loans			1,706,888				37,130				45,045				173				-				1,789,236
Covered loans
Commercial loans
Construction, development, and other land			1				38				-				-				-				39
Single family non-owner occupied			265				-				19				-				-				284
Non-farm, non-residential			-				-				9				-				-				9
Consumer real estate loans
Home equity lines			11,338				11,685				697				-				-				23,720
Single family owner occupied			2,996				411				489				-				-				3,896
Total covered loans			14,600				12,134				1,214				-				-				27,948
Total loans		$	1,721,488			$	49,264			$	46,259			$	173			$	-			$	1,817,184

Impaired Financing Receivables [Table Text Block]

		March 31, 2018												December 31, 2017
						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		$	976			$	1,160			$	-			$	727			$	988			$	-
Commercial and industrial			152				930				-				315				1,142				-
Multi-family residential			663				1,172				-				499				1,010				-
Single family non-owner occupied			2,406				3,642				-				2,042				3,521				-
Non-farm, non-residential			5,714				8,338				-				3,022				5,955				-
Agricultural			287				293				-				102				107				-
Farmland			897				959				-				395				414				-
Consumer real estate loans
Home equity lines			1,743				1,928				-				1,621				1,770				-
Single family owner occupied			15,191				17,558				-				16,633				18,964				-
Owner occupied construction			230				230				-				231				231				-
Consumer and other loans
Consumer loans			75				77				-				141				144				-
Total impaired loans with no allowance			28,334				36,287				-				25,728				34,246				-
Impaired loans with a related allowance
Commercial loans
Construction, development, and other land			-				-				-				-				-				-
Commercial and industrial			-				-				-				343				343				270
Single family non-owner occupied			444				444				60				446				446				62
Non-farm, non-residential			1,378				1,378				591				262				263				15
Farmland			410				418				105				936				974				233
Consumer real estate loans
Home equity lines			73				73				73				-				-				-
Single family owner occupied			5,543				5,543				2,065				5,586				5,606				1,978
Total impaired loans with an allowance			7,848				7,856				2,894				7,573				7,632				2,558
Total impaired loans (1)		$	36,182			$	44,143			$	2,894			$	33,301			$	41,878			$	2,558

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

		Three Months Ended March 31,
		2018								2017
(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		$	13			$	1,116			$	-			$	11
Commercial and industrial			1				585				2				330
Multi-family residential			10				799				-				356
Single family non-owner occupied			23				2,960				43				3,326
Non-farm, non-residential			39				7,109				4				2,725
Agricultural			-				283				-				126
Farmland			9				438				-				1,006
Consumer real estate loans
Home equity lines			7				1,806				15				1,042
Single family owner occupied			107				15,586				87				12,203
Owner occupied construction			3				227				3				233
Consumer and other loans
Consumer loans			1				76				-				50
Total impaired loans with no related allowance			213				30,985				154				21,408
Impaired loans with a related allowance:
Commercial loans
Construction, development, and other land			-				-				-				428
Commercial and industrial			-				-				15				312
Single family non-owner occupied			7				439				8				343
Non-farm, non-residential			-				166				10				1,154
Farmland			-				404				-				-
Consumer real estate loans
Home equity lines			-				72				-				417
Single family owner occupied			32				5,474				35				6,373
Owner occupied construction			-				-				-				-
Total impaired loans with a related allowance			39				6,555				68				9,027
Total impaired loans		$	252			$	37,540			$	222			$	30,435

Impaired Financing Receivables, Summarized Information [Table Text Block]

		Three Months Ended March 31,
		2018				2017
(Amounts in thousands)
Interest income recognized		$	-			$	10
Average recorded investment			-				1,075

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

		March 31, 2018												December 31, 2017
(Amounts in thousands)		Non-covered				Covered				Total				Non-covered				Covered				Total
Commercial loans
Construction, development, and other land		$	382			$	-			$	382			$	-			$	-			$	-
Commercial and industrial			124				-				124				211				-				211
Multi-family residential			663				-				663				498				-				498
Single family non-owner occupied			974				18				992				851				19				870
Non-farm, non-residential			4,839				-				4,839				2,448				-				2,448
Agricultural			287				-				287				102				-				102
Farmland			785				-				785				805				-				805
Consumer real estate loans
Home equity lines			826				563				1,389				882				306				1,188
Single family owner occupied			12,741				15				12,756				13,108				17				13,125
Owner occupied construction			-				-				-				-				-				-
Consumer and other loans
Consumer loans			29				-				29				92				-				92
Total nonaccrual loans		$	21,650			$	596			$	22,246			$	18,997			$	342			$	19,339

Past Due Financing Receivables [Table Text Block]

		March 31, 2018
		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		$	7			$	11			$	382			$	400			$	51,864			$	52,264
Commercial and industrial			55				77				43				175				90,186				90,361
Multi-family residential			-				240				360				600				120,056				120,656
Single family non-owner occupied			753				440				323				1,516				140,711				142,227
Non-farm, non-residential			1,243				243				4,282				5,768				613,104				618,872
Agricultural			229				-				185				414				8,936				9,350
Farmland			965				-				410				1,375				22,192				23,567
Consumer real estate loans
Home equity lines			653				42				412				1,107				100,369				101,476
Single family owner occupied			3,580				3,037				7,084				13,701				492,667				506,368
Owner occupied construction			96				64				-				160				29,358				29,518
Consumer and other loans
Consumer loans			426				53				-				479				68,055				68,534
Other			-				-				-				-				4,510				4,510
Total non-covered loans			8,007				4,207				13,481				25,695				1,742,008				1,767,703
Covered loans
Commercial loans
Construction, development, and other land			-				-				-				-				37				37
Single family non-owner occupied			18				-				-				18				259				277
Non-farm, non-residential			-				-				-				-				9				9
Consumer real estate loans
Home equity lines			540				5				302				847				20,591				21,438
Single family owner occupied			65				-				-				65				3,580				3,645
Total covered loans			623				5				302				930				24,476				25,406
Total loans		$	8,630			$	4,212			$	13,783			$	26,625			$	1,766,484			$	1,793,109

		December 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		$	20			$	365			$	-			$	385			$	59,632			$	60,017
Commercial and industrial			232				40				142				414				91,774				92,188
Multi-family residential			544				-				185				729				124,473				125,202
Single family non-owner occupied			223				302				331				856				140,814				141,670
Non-farm, non-residential			2,433				383				1,536				4,352				612,281				616,633
Agricultural			123				-				-				123				6,912				7,035
Farmland			113				-				692				805				24,844				25,649
Consumer real estate loans
Home equity lines			226				198				485				909				102,296				103,205
Single family owner occupied			6,959				2,418				8,186				17,563				485,123				502,686
Owner occupied construction			326				79				-				405				38,773				39,178
Consumer and other loans
Consumer loans			439				97				17				553				70,219				70,772
Other			-				-				-				-				5,001				5,001
Total non-covered loans			11,638				3,882				11,574				27,094				1,762,142				1,789,236
Covered loans
Commercial loans
Construction, development, and other land			-				-				-				-				39				39
Single family non-owner occupied			-				-				-				-				284				284
Non-farm, non-residential			-				-				-				-				9				9
Consumer real estate loans
Home equity lines			402				-				173				575				23,145				23,720
Single family owner occupied			70				-				-				70				3,826				3,896
Total covered loans			472				-				173				645				27,303				27,948
Total loans		$	12,110			$	3,882			$	11,747			$	27,739			$	1,789,445			$	1,817,184

Trouble Debt Restructuring Accrual Status [Table Text Block]

		March 31, 2018												December 31, 2017
(Amounts in thousands)		Nonaccrual (1)				Accruing				Total				Nonaccrual (1)				Accruing				Total
Commercial loans
Single family non-owner occupied		$	348			$	521			$	869			$	364			$	528			$	892
Non-farm, non-residential			-				291				291				-				295				295
Consumer real estate loans
Home equity lines			-				138				138				-				145				145
Single family owner occupied			1,658				6,081				7,739				1,565				6,496				8,061
Owner occupied construction			-				230				230				-				233				233
Consumer and other loans
Consumer loans			-				36				36				-				37				37
Total TDRs		$	2,006			$	7,297			$	9,303			$	1,929			$	7,734			$	9,663
Allowance for loan losses related to TDRs										$	648											$	642

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

		Three Months Ended March 31,
		2018				2017
(Amounts in thousands)
Interest income recognized		$	70			$	84

Other Real Estate Owned [Table Text Block]

		March 31, 2018				December 31, 2017
(Amounts in thousands)
Non-covered OREO		$	4,620			$	2,409
Covered OREO			70				105
Total OREO		$	4,690			$	2,514
Non-covered OREO secured by residential real estate		$	2,812			$	2,209
Residential real estate loans in the foreclosure process (1)			8,221				9,921

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://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=84173941&loc=SL6953659-111524

Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef
-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

+ 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://fasb.org/us-gaap/role/ref/legacyRef
-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://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=84173941&loc=SL6953401-111524

Reference 2: 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=84173941&loc=d3e5111-111524

+ 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://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=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