Loans and Allowance for Loan Losses (Tables)

12 Months Ended

Dec. 31, 2015

Loans and Leases Receivable Disclosure [Abstract]

Schedule of summary of loans, by major class within the Company's loan portfolio

(in thousands)	2015		2014
Commercial, financial, and agricultural	$	149,091	$	154,834
Real estate construction - residential		16,895		18,103
Real estate construction - commercial		33,943		48,822
Real estate mortgage - residential		256,086		247,117
Real estate mortgage - commercial		385,869		372,321
Installment and other consumer		23,196		20,016
Total loans	$	865,080	$	861,213

Schedule of loans to directors and executive officers

(in thousands)
Balance at December 31, 2014	$	4,940
New loans		286
Amounts collected		(499	)
Balance at December 31, 2015	$	4,727

Schedule of summary of the allowance for loan losses

	Commercial,			Real Estate			Real Estate			Real Estate			Real Estate			Installment
	Financial, &			Construction -			Construction -			Mortgage -			Mortgage -			Loans to			Un-
(in thousands)	Agricultural			Residential			Commercial			Residential			Commercial			Individuals			allocated		Total
Balance at December 31, 2012	$	1,937		$	732		$	1,711		$	3,387		$	6,834		$	239		$	2	$	14,842
Additions:
Provision for loan losses		992			318			(452	)		273			622			272			5		2,030
Deductions:
Loans charged off		895			119			633			812			1,301			420			0		4,180
Less recoveries on loans		(340	)		0			(5	)		(111	)		(368	)		(203	)		0		(1,027	)
Net loans charged off		555			119			628			701			933			217			0		3,153
Balance at December 31, 2013	$	2,374		$	931		$	631		$	2,959		$	6,523		$	294		$	7	$	13,719
Additions:
Provision for loan losses		371			(592	)		326			(226	)		(107	)		195			33		0
Deductions:
Loans charged off		1,285			349			491			408			2,890			405			0		5,828
Less recoveries on loans		(319	)		(181	)		0			(202	)		(320	)		(186	)		0		(1,208	)
Net loans charged off		966			168			491			206			2,570			219			0		4,620
Balance at December 31, 2014	$	1,779		$	171		$	466		$	2,527		$	3,846		$	270		$	40	$	9,099
Additions:
Provision for loan losses		833			(434	)		193			153			(713	)		157			61		250
Deductions:
Loans charged off		1,131			0			15			379			363			302			0		2,190
Less recoveries on loans		(672	)		(322	)		0			(138	)		(165	)		(148	)		0		(1,445	)
Net loans charged off		459			(322	)		15			241			198			154			0		745
Balance at December 31, 2015	$	2,153		$	59		$	644		$	2,439		$	2,935		$	273		$	101	$	8,604

	Commercial,		Real Estate		Real Estate		Real Estate		Real Estate		Installment
	Financial, and		Construction -		Construction -		Mortgage -		Mortgage -		Loans to		Un-
(in thousands)	Agricultural		Residential		Commercial		Residential		Commercial		Individuals		allocated		Total

December 31, 2015

Allowance for loan losses:
Individually evaluated for impairment	$	285	$	0	$	15	$	955	$	266	$	19	$	0	$	1,540
Collectively evaluated for impairment		1,868		59		629		1,484		2,669		254		101		7,064
Total	$	2,153	$	59	$	644	$	2,439	$	2,935	$	273	$	101	$	8,604
Loans outstanding:
Individually evaluated for impairment	$	1,005	$	0	$	102	$	5,936	$	3,081	$	144	$	0	$	10,268
Collectively evaluated for impairment		148,086		16,895		33,841		250,150		382,788		23,052		0		854,812
Total	$	149,091	$	16,895	$	33,943	$	256,086	$	385,869	$	23,196	$	0	$	865,080

December 31, 2014

Allowance for loan losses:
Individually evaluated for impairment	$	134	$	0	$	0	$	1,343	$	246	$	26	$	0	$	1,749
Collectively evaluated for impairment		1,645		171		466		1,184		3,600		244		40		7,350
Total	$	1,779	$	171	$	466	$	2,527	$	3,846	$	270	$	40	$	9,099
Loans outstanding:
Individually evaluated for impairment	$	7,541	$	1,750	$	2,096	$	7,878	$	16,464	$	234	$	0	$	35,963
Collectively evaluated for impairment		147,293		16,353		46,726		239,239		355,857		19,782		0		825,250
Total	$	154,834	$	18,103	$	48,822	$	247,117	$	372,321	$	20,016	$	0	$	861,213

Schedule of impaired loans

*(in thousands)*	2015		2014
Non-accrual loans	$	4,418	$	18,243
Performing TDRs		5,850		17,720
Total impaired loans	$	10,268	$	35,963

			Unpaid
	Recorded		Principal		Specific
(in thousands)	Investment		Balance		Reserves

December 31, 2015
With no related allowance recorded:
Commercial, financial and agricultural	$	448	$	450	$	0
Real estate - residential		1,645		1,712		0
Real estate - commercial		2,446		2,572		0
Total	$	4,539	$	4,734	$	0
With an allowance recorded:
Commercial, financial and agricultural	$	557	$	572	$	285
Real estate - construction commercial		102		115		15
Real estate - residential		4,291		4,320		955
Real estate - commercial		635		884		266
Consumer		144		182		19
Total	$	5,729	$	6,073	$	1,540
Total impaired loans	$	10,268	$	10,807	$	1,540

			Unpaid
	Recorded		Principal		Specific
(in thousands)	Investment		Balance		Reserves

December 31, 2014
With no related allowance recorded:
Commercial, financial and agricultural	$	6,021	$	6,232	$	0
Real estate - construction residential		1,750		2,259		0
Real estate - construction commercial		2,096		2,319		0
Real estate - residential		3,213		3,270		0
Real estate - commercial		15,409		18,950		0
Consumer		36		36		0
Total	$	28,525	$	33,066	$	0
With an allowance recorded:
Commercial, financial and agricultural	$	1,520	$	1,528	$	134
Real estate - residential		4,665		3,546		1,343
Real estate - commercial		1,055		1,171		246
Consumer		198		237		26
Total	$	7,438	$	6,482	$	1,749
Total impaired loans	$	35,963	$	39,548	$	1,749

	2015				2014
			Interest				Interest
	Average		Recognized		Average		Recognized
	Recorded		For the		Recorded		For the
(in thousands)	Investment		Period Ended		Investment		Period Ended
With no related allowance recorded:
Commercial, financial and agricultural	$	2,949	$	39	$	3,141	$	94
Real estate - construction residential		536		0		610		2
Real estate - construction commercial		1,105		0		5,950		0
Real estate - residential		2,331		37		3,517		46
Real estate - commercial		5,169		119		13,703		400
Consumer		7		1		11		0
Total	$	12,097	$	196	$	26,932	$	542
With an allowance recorded:
Commercial, financial and agricultural	$	1,356	$	22	$	1,773	$	19
Real estate - construction residential		0		0		1,697		0
Real estate - construction commercial		52		0		42		0
Real estate - residential		4,625		110		5,118		129
Real estate - commercial		1,161		0		3,810		11
Consumer		183		0		312		0
Total	$	7,377	$	132	$	12,752	$	159
Total impaired loans	$	19,474	$	328	$	39,684	$	701

Schedule of aging information for the Company's past due and non-accrual loans

(in thousands)	Current or Less Than 30 Days Past Due			30-89 Days Past Due			90 Days Past Due And Still Accruing			Non-Accrual			Total
December 31, 2015
Commercial, Financial, and Agricultural		$	148,597		$	185		$	1		$	308		$	149,091
Real Estate Construction - Residential			16,830			0			0			0			16,830
Real Estate Construction - Commercial			33,472			65			0			102			33,639
Real Estate Mortgage - Residential			251,253			2,511			0			2,322			256,086
Real Estate Mortgage - Commercial			384,053			643			0			1,542			386,238
Installment and Other Consumer			22,840			207			5			144			23,196
Total		$	857,045		$	3,611		$	6		$	4,418		$	865,080
December 31, 2014
Commercial, Financial, and Agricultural		$	149,366		$	189		$	0		$	5,279		$	154,834
Real Estate Construction - Residential			16,352			0			0			1,751			18,103
Real Estate Construction - Commercial			46,670			0			56			2,096			48,822
Real Estate Mortgage - Residential			239,469			3,229			0			4,419			247,117
Real Estate Mortgage - Commercial			366,653			1,203			0			4,465			372,321
Installment and Other Consumer			19,551			230			2			233			20,016
Total		$	838,061		$	4,851		$	58		$	18,243		$	861,213

Schedule of risk categories by class

(in thousands)	Commercial, Financial, & Agricultural		Real Estate Construction - Residential		Real Estate Construction - Commercial		Real Estate Mortgage - Residential		Real Estate Mortgage - Commercial		Installment and other Consumer		Total

At December 31, 2015
Watch	$	8,663	$	1,267	$	1,296	$	22,191	$	24,303	$	186	$	57,906
Substandard		421		0		37		3,737		1,485		36		5,716
Performing TDRs		697		0		0		3,615		1,538		0		5,850
Non-accrual		308		0		102		2,322		1,542		144		4,418
Total	$	10,089	$	1,267	$	1,435	$	31,865	$	28,868	$	366	$	73,890

At December 31, 2014
Watch	$	13,651	$	1,103	$	4,757	$	27,172	$	18,191	$	199	$	65,073
Substandard		926		90		1,211		3,124		4,102		139		9,592
Performing TDRs		2,262		0		0		3,459		11,999		0		17,720
Non-accrual		5,279		1,751		2,096		4,419		4,465		233		18,243
Total	$	22,118	$	2,944	$	8,064	$	38,174	$	38,757	$	571	$	110,628

Schedule of summary of loans that were modified as TDRs

	2015						2014
	Recorded Investment (1)						Recorded Investment (1)
(in thousands)	Number of Contracts		Pre- Modification		Post- Modification		Number of Contracts		Pre- Modification		Post- Modification
Troubled Debt Restructurings
Commercial, financial and agricultural		2	$	250	$	229		3	$	244	$	208
Real estate mortgage - residential		1		519		374		1		1,256		1,170
Real estate mortgage - commercial		4		1,273		1,249		0		0		0
Total		7	$	2,042	$	1,852		4	$	1,500	$	1,378

(1) The amounts reported post-modification are inclusive of all partial pay-downs and charge-offs, and no portion of the debt was forgiven. Loans modified as a TDR that were fully paid down, charged-off, or foreclosed upon during the period ended are not reported.