XML 37 R27.htm IDEA: XBRL DOCUMENT
v3.10.0.1

Note 5 - Allowance for Loan Losses (Tables) | 6 Months Ended
--- | ---
Jun. 30, 2018
Notes Tables |
Allowance for Credit Losses on Financing Receivables [Table Text Block] |
|  | Three Months Ended June 30, 2018 |
(Amounts in thousands) |  | Commercial |  |  | Consumer Real Estate |  |  | Consumer and Other |  |  | Total Allowance |
Total allowance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 11,778 |  |  | $ | 6,963 |  |  | $ | 759 |  |  | $ | 19,500 |
(Recovery of) provision for loan losses charged to operations |  |  | (684 | ) |  |  | 906 |  |  |  | 273 |  |  |  | 495 |
Charge-offs |  |  | (328 | ) |  |  | (124 | ) |  |  | (298 | ) |  |  | (750 | )
Recoveries |  |  | 136 |  |  |  | 122 |  |  |  | 80 |  |  |  | 338 |
Net charge-offs |  |  | (192 | ) |  |  | (2 | ) |  |  | (218 | ) |  |  | (412 | )
Ending balance |  | $ | 10,902 |  |  | $ | 7,867 |  |  | $ | 814 |  |  | $ | 19,583 |
|  | Six Months Ended June 30, 2018 |
(Amounts in thousands) |  | Commercial |  |  | Consumer Real Estate |  |  | Consumer and Other |  |  | Total Allowance |
Total allowance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 11,672 |  |  | $ | 6,810 |  |  | $ | 794 |  |  | $ | 19,276 |
(Recovery of) provision for loan losses charged to operations |  |  | (725 | ) |  |  | 1,143 |  |  |  | 572 |  |  |  | 990 |
Charge-offs |  |  | (469 | ) |  |  | (255 | ) |  |  | (724 | ) |  |  | (1,448 | )
Recoveries |  |  | 424 |  |  |  | 169 |  |  |  | 172 |  |  |  | 765 |
Net charge-offs |  |  | (45 | ) |  |  | (86 | ) |  |  | (552 | ) |  |  | (683 | )
Ending balance |  | $ | 10,902 |  |  | $ | 7,867 |  |  | $ | 814 |  |  | $ | 19,583 |
|  | Three Months Ended June 30, 2017 |
(Amounts in thousands) |  | Commercial |  |  | Consumer Real Estate |  |  | Consumer and Other |  |  | Total Allowance |
Allowance, excluding PCI |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 11,972 |  |  | $ | 5,734 |  |  | $ | 740 |  |  | $ | 18,446 |
Provision for loan losses charged to operations |  |  | 379 |  |  |  | 240 |  |  |  | 319 |  |  |  | 938 |
Charge-offs |  |  | (257 | ) |  |  | (321 | ) |  |  | (324 | ) |  |  | (902 | )
Recoveries |  |  | 189 |  |  |  | 149 |  |  |  | 58 |  |  |  | 396 |
Net charge-offs |  |  | (68 | ) |  |  | (172 | ) |  |  | (266 | ) |  |  | (506 | )
Ending balance |  | $ | 12,283 |  |  | $ | 5,802 |  |  | $ | 793 |  |  | $ | 18,878 |
PCI allowance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | - |  |  | $ | 12 |  |  | $ | - |  |  | $ | 12 |
Recovery of loan losses |  |  | - |  |  |  | (4 | ) |  |  | - |  |  |  | (4 | )
Benefit attributable to the FDIC indemnification asset |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Recovery of loan losses charged to operations |  |  | - |  |  |  | (4 | ) |  |  | - |  |  |  | (4 | )
Recovery of loan losses recorded through the FDIC indemnification asset |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Ending balance |  | $ | - |  |  | $ | 8 |  |  | $ | - |  |  | $ | 8 |
Total allowance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 11,972 |  |  | $ | 5,746 |  |  | $ | 740 |  |  | $ | 18,458 |
Provision for loan losses |  |  | 379 |  |  |  | 236 |  |  |  | 319 |  |  |  | 934 |
Benefit attributable to the FDIC indemnification asset |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Provision for loan losses charged to operations |  |  | 379 |  |  |  | 236 |  |  |  | 319 |  |  |  | 934 |
Recovery of loan losses recorded through the FDIC indemnification asset |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Charge-offs |  |  | (257 | ) |  |  | (321 | ) |  |  | (324 | ) |  |  | (902 | )
Recoveries |  |  | 189 |  |  |  | 149 |  |  |  | 58 |  |  |  | 396 |
Net charge-offs |  |  | (68 | ) |  |  | (172 | ) |  |  | (266 | ) |  |  | (506 | )
Ending balance |  | $ | 12,283 |  |  | $ | 5,810 |  |  | $ | 793 |  |  | $ | 18,886 |
|  | Six Months Ended June 30, 2017 |
(Amounts in thousands) |  | Commercial |  |  | Consumer Real Estate |  |  | Consumer and Other |  |  | Total Allowance |
Allowance, excluding PCI |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 11,690 |  |  | $ | 5,487 |  |  | $ | 759 |  |  | $ | 17,936 |
Provision for loan losses charged to operations |  |  | 464 |  |  |  | 486 |  |  |  | 480 |  |  |  | 1,430 |
Charge-offs |  |  | (286 | ) |  |  | (398 | ) |  |  | (575 | ) |  |  | (1,259 | )
Recoveries |  |  | 415 |  |  |  | 227 |  |  |  | 129 |  |  |  | 771 |
Net recoveries (charge-offs) |  |  | 129 |  |  |  | (171 | ) |  |  | (446 | ) |  |  | (488 | )
Ending balance |  | $ | 12,283 |  |  | $ | 5,802 |  |  | $ | 793 |  |  | $ | 18,878 |
PCI allowance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | - |  |  | $ | 12 |  |  | $ | - |  |  | $ | 12 |
Recovery of loan losses |  |  | - |  |  |  | (4 | ) |  |  | - |  |  |  | (4 | )
Benefit attributable to the FDIC indemnification asset |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Recovery of loan losses charged to operations |  |  | - |  |  |  | (4 | ) |  |  | - |  |  |  | (4 | )
Recovery of loan losses recorded through the FDIC indemnification asset |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Ending balance |  | $ | - |  |  | $ | 8 |  |  | $ | - |  |  | $ | 8 |
Total allowance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 11,690 |  |  | $ | 5,499 |  |  | $ | 759 |  |  | $ | 17,948 |
Provision for loan losses |  |  | 464 |  |  |  | 482 |  |  |  | 480 |  |  |  | 1,426 |
Benefit attributable to the FDIC indemnification asset |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Provision for loan losses charged to operations |  |  | 464 |  |  |  | 482 |  |  |  | 480 |  |  |  | 1,426 |
Recovery of loan losses recorded through the FDIC indemnification asset |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Charge-offs |  |  | (286 | ) |  |  | (398 | ) |  |  | (575 | ) |  |  | (1,259 | )
Recoveries |  |  | 415 |  |  |  | 227 |  |  |  | 129 |  |  |  | 771 |
Net recoveries (charge-offs) |  |  | 129 |  |  |  | (171 | ) |  |  | (446 | ) |  |  | (488 | )
Ending balance |  | $ | 12,283 |  |  | $ | 5,810 |  |  | $ | 793 |  |  | $ | 18,886 |
Allowance for Credit Losses and Recorded Investment in Loans by Segment and Class [Table Text Block] |
|  | June 30, 2018 |
(Amounts in thousands) |  | Loans Individually Evaluated for Impairment (1) |  |  | Allowance for Loans Individually Evaluated |  |  | Loans Collectively Evaluated for Impairment |  |  | Allowance for Loans Collectively Evaluated |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, development, and other land |  | $ | - |  |  | $ | - |  |  | $ | 57,375 |  |  | $ | 369 |
Commercial and industrial |  |  | - |  |  |  | - |  |  |  | 96,602 |  |  |  | 538 |
Multi-family residential |  |  | - |  |  |  | - |  |  |  | 110,067 |  |  |  | 997 |
Single family non-owner occupied |  |  | - |  |  |  | - |  |  |  | 139,813 |  |  |  | 1,416 |
Non-farm, non-residential |  |  | 1,378 |  |  |  | 473 |  |  |  | 618,953 |  |  |  | 6,783 |
Agricultural |  |  | - |  |  |  | - |  |  |  | 8,895 |  |  |  | 100 |
Farmland |  |  | 929 |  |  |  | 105 |  |  |  | 21,126 |  |  |  | 121 |
Total commercial loans |  |  | 2,307 |  |  |  | 578 |  |  |  | 1,052,831 |  |  |  | 10,324 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 67 |  |  |  | 67 |  |  |  | 111,616 |  |  |  | 680 |
Single family owner occupied |  |  | 7,043 |  |  |  | 2,434 |  |  |  | 512,818 |  |  |  | 4,525 |
Owner occupied construction |  |  | - |  |  |  | - |  |  |  | 22,647 |  |  |  | 161 |
Total consumer real estate loans |  |  | 7,110 |  |  |  | 2,501 |  |  |  | 647,081 |  |  |  | 5,366 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | - |  |  |  | - |  |  |  | 68,885 |  |  |  | 814 |
Other |  |  | - |  |  |  | - |  |  |  | 4,636 |  |  |  | - |
Total consumer and other loans |  |  | - |  |  |  | - |  |  |  | 73,521 |  |  |  | 814 |
Total loans, excluding PCI loans |  | $ | 9,417 |  |  | $ | 3,079 |  |  | $ | 1,773,433 |  |  | $ | 16,504 |
|  | December 31, 2017 |
(Amounts in thousands) |  | Loans Individually Evaluated for Impairment (1) |  |  | Allowance for Loans Individually Evaluated |  |  | Loans Collectively Evaluated for Impairment |  |  | Allowance for Loans Collectively Evaluated |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, development, and other land |  | $ | - |  |  | $ | - |  |  | $ | 59,386 |  |  | $ | 830 |
Commercial and industrial |  |  | 343 |  |  |  | 270 |  |  |  | 91,845 |  |  |  | 492 |
Multi-family residential |  |  | - |  |  |  | - |  |  |  | 125,202 |  |  |  | 1,094 |
Single family non-owner occupied |  |  | 770 |  |  |  | 62 |  |  |  | 139,093 |  |  |  | 1,914 |
Non-farm, non-residential |  |  | 1,367 |  |  |  | 15 |  |  |  | 611,477 |  |  |  | 6,582 |
Agricultural |  |  | - |  |  |  | - |  |  |  | 7,035 |  |  |  | 51 |
Farmland |  |  | 1,219 |  |  |  | 233 |  |  |  | 24,430 |  |  |  | 129 |
Total commercial loans |  |  | 3,699 |  |  |  | 580 |  |  |  | 1,058,468 |  |  |  | 11,092 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | - |  |  |  | - |  |  |  | 115,807 |  |  |  | 803 |
Single family owner occupied |  |  | 9,471 |  |  |  | 1,978 |  |  |  | 496,348 |  |  |  | 3,732 |
Owner occupied construction |  |  | - |  |  |  | - |  |  |  | 39,178 |  |  |  | 297 |
Total consumer real estate loans |  |  | 9,471 |  |  |  | 1,978 |  |  |  | 651,333 |  |  |  | 4,832 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | - |  |  |  | - |  |  |  | 70,772 |  |  |  | 794 |
Other |  |  | - |  |  |  | - |  |  |  | 5,001 |  |  |  | - |
Total consumer and other loans |  |  | - |  |  |  | - |  |  |  | 75,773 |  |  |  | 794 |
Total loans, excluding PCI loans |  | $ | 13,170 |  |  | $ | 2,558 |  |  | $ | 1,785,574 |  |  | $ | 16,718 |
Schedule of Information Related to Purchased Credit Impaired Loans [Table Text Block] |
|  | June 30, 2018 |  |  | December 31, 2017 |
(Amounts in thousands) |  | Recorded Investment |  |  | Allowance for Loan Pools With Impairment |  |  | Recorded Investment |  |  | Allowance for Loan Pools With Impairment |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Waccamaw commercial |  | $ | 1,330 |  |  | $ | - |  |  | $ | 64 |  |  | $ | - |
Peoples commercial |  |  | 4,479 |  |  |  | - |  |  |  | 4,279 |  |  |  | - |
Other |  |  | 923 |  |  |  | - |  |  |  | 986 |  |  |  | - |
Total commercial loans |  |  | 6,732 |  |  |  | - |  |  |  | 5,329 |  |  |  | - |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Waccamaw serviced home equity lines |  |  | 7,662 |  |  |  | - |  |  |  | 11,118 |  |  |  | - |
Waccamaw residential |  |  | 823 |  |  |  | - |  |  |  | 994 |  |  |  | - |
Peoples residential |  |  | 964 |  |  |  | - |  |  |  | 999 |  |  |  | - |
Total consumer real estate loans |  |  | 9,449 |  |  |  | - |  |  |  | 13,111 |  |  |  | - |
Total PCI loans |  | $ | 16,181 |  |  | $ | - |  |  | $ | 18,440 |  |  | $ | - |

X
- Definition Tabular disclosure of allowance for credit losses and recorded investment in loans by segment and class. + References No definition available. + Details
Name: | fcbc_AllowanceForCreditLossesAndRecordedInvestmentInLoansBySegmentAndClassTableTextBlock
Namespace Prefix: | fcbc_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of information related to purchased credit impaired loans. + References No definition available. + Details
Name: | fcbc_ScheduleOfInformationRelatedToPurchasedCreditImpairedLoansTableTextBlock
Namespace Prefix: | fcbc_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account. + 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 -URI http://asc.fasb.org/extlink&oid=84173941&loc=SL6953423-111524 + Details
Name: | us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock
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