XML 65 R56.htm IDEA: XBRL DOCUMENT
v3.23.2

Note 6 - Allowance for Credit Losses - Changes in Allowance for Loan Losses (Details) - USD ($) $ in Thousands | 3 Months Ended | 6 Months Ended
--- | --- | ---
Jun. 30, 2023 | Jun. 30, 2022 | Jun. 30, 2023 | Jun. 30, 2022
Balance, Loans | $ 30,789 | $ 28,981 | $ 30,556 | [1] | $ 27,858
Balance, Allowance for credit losses - loan commitments | 964 | 776 | 1,196 |  | 678
Total allowance for credit losses beginning of year | 31,753 | 29,757 | 31,752 |  | 28,536
Provision for credit losses - loans | 4,105 | 510 | 6,079 |  | 2,471
Provision for credit losses - loan commitments | 0 | 180 | (232) |  | 278
Total provision for credit losses - loans and loan commitments | 4,105 | 690 | 5,847 |  | 2,749
Charge-offs | (1,993) | (1,469) | (4,563) |  | (2,771)
Recoveries | 1,265 | 1,727 | 2,094 |  | 2,191
Net recoveries (charge-offs) | (728) | 258 | (2,469) |  | (580)
Balance, Allowance for credit losses - loans | 36,177 | 29,749 | 36,177 |  | 29,749
Balance, Allowance for credit losses - loan commitments | 964 | 956 | 964 |  | 956
Ending balance | 37,141 | 30,705 | 37,141 |  | 30,705
Financial Asset Acquired with Credit Deterioration [Member] | Surrey [Member] |  |  |  |  |
Balance, Loans | 2,011 |  | 2,011 |  |
Commercial Portfolio Segment [Member] |  |  |  |  |
Balance, Loans | 17,269 | 15,896 | 17,213 |  | 14,775
Balance, Allowance for credit losses - loan commitments | 786 | 663 | 1,018 |  | 576
Total allowance for credit losses beginning of year | 18,055 | 16,559 | 18,231 |  | 15,351
Provision for credit losses - loans | 2,349 | (808) | 2,386 |  | 300
Provision for credit losses - loan commitments | 0 | 191 | (232) |  | 278
Total provision for credit losses - loans and loan commitments | 2,349 | (617) | 2,154 |  | 578
Charge-offs | (133) | (151) | (306) |  | (408)
Recoveries | 578 | 1,182 | 770 |  | 1,452
Net recoveries (charge-offs) | 445 | 1,031 | 464 |  | 1,044
Balance, Allowance for credit losses - loans | 21,515 | 16,119 | 21,515 |  | 16,119
Balance, Allowance for credit losses - loan commitments | 786 | 854 | 786 |  | 854
Ending balance | 22,301 | 16,973 | 22,301 |  | 16,973
Commercial Portfolio Segment [Member] | Financial Asset Acquired with Credit Deterioration [Member] | Surrey [Member] |  |  |  |  |
Balance, Loans | 1,452 |  | 1,452 |  |
Consumer Real Estate Portfolio Segment [Member] |  |  |  |  |
Balance, Loans | 8,995 | 9,764 | 8,931 |  | 9,972
Balance, Allowance for credit losses - loan commitments | 150 | 94 | 156 |  | 88
Total allowance for credit losses beginning of year | 9,145 | 9,858 | 9,087 |  | 10,060
Provision for credit losses - loans | 380 | 48 | 483 |  | (193)
Provision for credit losses - loan commitments | 0 | (6) | (6) |  | 0
Total provision for credit losses - loans and loan commitments | 380 | 42 | 477 |  | (193)
Charge-offs | (225) | (88) | (323) |  | (94)
Recoveries | 277 | 325 | 336 |  | 364
Net recoveries (charge-offs) | 52 | 237 | 13 |  | 270
Balance, Allowance for credit losses - loans | 9,956 | 10,049 | 9,956 |  | 10,049
Balance, Allowance for credit losses - loan commitments | 150 | 88 | 150 |  | 88
Ending balance | 10,106 | 10,137 | 10,106 |  | 10,137
Consumer Real Estate Portfolio Segment [Member] | Financial Asset Acquired with Credit Deterioration [Member] | Surrey [Member] |  |  |  |  |
Balance, Loans | 529 |  | 529 |  |
Consumer and Other Portfolio Segment [Member] |  |  |  |  |
Balance, Loans | 4,525 | 3,321 | 4,412 |  | 3,111
Balance, Allowance for credit losses - loan commitments | 28 | 19 | 22 |  | 14
Total allowance for credit losses beginning of year | 4,553 | 3,340 | 4,434 |  | 3,125
Provision for credit losses - loans | 1,376 | 1,270 | 3,210 |  | 2,364
Provision for credit losses - loan commitments | 0 | (5) | 6 |  | 0
Total provision for credit losses - loans and loan commitments | 1,376 | 1,265 | 3,216 |  | 2,364
Charge-offs | (1,635) | (1,230) | (3,934) |  | (2,269)
Recoveries | 410 | 220 | 988 |  | 375
Net recoveries (charge-offs) | (1,225) | (1,010) | (2,946) |  | (1,894)
Balance, Allowance for credit losses - loans | 4,706 | 3,581 | 4,706 |  | 3,581
Balance, Allowance for credit losses - loan commitments | 28 | 14 | 28 |  | 14
Ending balance | 4,734 | $ 3,595 | 4,734 |  | $ 3,595
Consumer and Other Portfolio Segment [Member] | Financial Asset Acquired with Credit Deterioration [Member] | Surrey [Member] |  |  |  |  |
Balance, Loans | $ 30 |  | $ 30 |  |
[1] | Derived from audited financial statements

X
- Definition Amount of allowance for credit loss on financing receivable and loan commitments. + References No definition available. + Details
Name: | fcbc_FinancingReceivableAllowanceForCreditLossLoansAndLoanCommitments
Namespace Prefix: | fcbc_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- Definition Amount of credit loss expense (reversal of expense) for financing receivable before loan commitments recovery. + References No definition available. + Details
Name: | fcbc_FinancingReceivableCreditLossExpenseReversalBeforeLoanCommitmentsRecovery
Namespace Prefix: | fcbc_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Amount of credit loss expense (reversal of expense) for financing receivable and loan commitments. + References No definition available. + Details
Name: | fcbc_FinancingReceivableCreditLossExpenseReversalLoansAndLoanCommitments
Namespace Prefix: | fcbc_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Amount, after recovery, of writeoff of financing receivable, charged against allowance for credit loss. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Publisher FASB -URI https://asc.fasb.org//1943274/2147479319/326-20-50-13 Reference 2: http://www.xbrl.org/2003/role/exampleRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 55 -Paragraph 79 -Publisher FASB -URI https://asc.fasb.org//1943274/2147479294/326-20-55-79 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Name Regulation S-K (SK) -Number 229 -Section 1405 -Paragraph (a) -Subparagraph (4) -Publisher SEC + Details
Name: | us-gaap_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Amount of allowance for credit loss on financing receivable. Excludes allowance for financing receivable covered under loss sharing agreement. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 210 -SubTopic 10 -Name Accounting Standards Codification -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02(4)) -Publisher FASB -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Name Regulation S-K (SK) -Number 229 -Section 1405 -Paragraph (a) -Subparagraph (1) -Publisher SEC Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Name Regulation S-K (SK) -Number 229 -Section 1405 -Paragraph (a) -Subparagraph (3) -Publisher SEC Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Name Regulation S-K (SK) -Number 229 -Section 1405 -Paragraph (c) -Publisher SEC Reference 5: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 45 -Paragraph 1 -Publisher FASB -URI https://asc.fasb.org//1943274/2147479344/326-20-45-1 Reference 6: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 942 -SubTopic 210 -Name Accounting Standards Codification -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-03(7)(2)) -Publisher FASB -URI https://asc.fasb.org//1943274/2147479853/942-210-S99-1 Reference 7: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Section 50 -Paragraph 11B -Subparagraph (c)(1) -SubTopic 10 -Topic 310 -Publisher FASB -URI https://asc.fasb.org//1943274/2147481962/310-10-50-11B Reference 8: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (a) -Publisher FASB -URI https://asc.fasb.org//1943274/2147479319/326-20-50-13 Reference 9: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (f) -Publisher FASB -URI https://asc.fasb.org//1943274/2147479319/326-20-50-13 + Details
Name: | us-gaap_FinancingReceivableAllowanceForCreditLosses
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- Definition Amount of increase in allowance for credit loss on financing receivable from recovery. + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 55 -Paragraph 79 -Publisher FASB -URI https://asc.fasb.org//1943274/2147479294/326-20-55-79 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (e) -Publisher FASB -URI https://asc.fasb.org//1943274/2147479319/326-20-50-13 Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Section 50 -Paragraph 11B -Subparagraph (c)(4) -SubTopic 10 -Topic 310 -Publisher FASB -URI https://asc.fasb.org//1943274/2147481962/310-10-50-11B + Details
Name: | us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | duration

X
- Definition Amount of writeoff of financing receivable, charged against allowance for credit loss. + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 55 -Paragraph 79 -Publisher FASB -URI https://asc.fasb.org//1943274/2147479294/326-20-55-79 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 6 -Publisher FASB -URI https://asc.fasb.org//1943274/2147479319/326-20-50-6 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (d) -Publisher FASB -URI https://asc.fasb.org//1943274/2147479319/326-20-50-13 Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Section 50 -Paragraph 11B -Subparagraph (c)(3) -SubTopic 10 -Topic 310 -Publisher FASB -URI https://asc.fasb.org//1943274/2147481962/310-10-50-11B + Details
Name: | us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Amount of expected credit loss for credit exposure on off-balance-sheet commitment, including but not limited to, loan commitment, standby letter of credit, financial guarantee not accounted for as insurance. Excludes off-balance sheet credit exposure accounted for as insurance and instrument accounted for under derivatives and hedging. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 45 -Paragraph 2 -Publisher FASB -URI https://asc.fasb.org//1943274/2147479344/326-20-45-2 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 460 -SubTopic 10 -Name Accounting Standards Codification -Section 45 -Paragraph 1 -Publisher FASB -URI https://asc.fasb.org//1943274/2147482454/460-10-45-1 + Details
Name: | us-gaap_OffBalanceSheetCreditLossLiability
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- Definition Amount of expense (reversal of expense) for expected credit loss for off-balance sheet credit exposure. Excludes off-balance sheet credit exposure accounted for as insurance and instrument accounted for under derivatives and hedging. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org//1943274/2147479319/326-20-50-13 + Details
Name: | us-gaap_OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Details
Name: | us-gaap_CreditLossStatusAxis=us-gaap_FinancialAssetAcquiredWithCreditDeteriorationMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_BusinessAcquisitionAxis=fcbc_SurreyMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialPortfolioSegmentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=fcbc_ConsumerRealEstatePortfolioSegmentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=fcbc_ConsumerAndOtherPortfolioSegmentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |