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Loans and Allowance for Loan Losses (Tables) | 9 Months Ended
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Sep. 30, 2016
Loans and Leases Receivable Disclosure [Abstract] |
Schedule of summary of loans, by major class within the Company's loan portfolio |
|  | September 30, |  |  | December 31, |
(in thousands) |  | 2016 |  |  | 2015 |
Commercial, financial, and agricultural |  | $ | 172,274 |  |  | $ | 149,091 |
Real estate construction - residential |  |  | 17,066 |  |  |  | 16,895 |
Real estate construction - commercial |  |  | 48,743 |  |  |  | 33,943 |
Real estate mortgage - residential |  |  | 256,786 |  |  |  | 256,086 |
Real estate mortgage - commercial |  |  | 423,779 |  |  |  | 385,869 |
Installment and other consumer |  |  | 29,123 |  |  |  | 23,196 |
Total loans |  | $ | 947,771 |  |  | $ | 865,080 |
Schedule of summary of the allowance for loan losses |
|  | Three Months Ended September 30, 2016 |
|  | 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 beginning of period |  | $ | 2,996 |  |  | $ | 63 |  |  | $ | 249 |  |  | $ | 2,293 |  |  | $ | 3,411 |  |  | $ | 284 |  |  | $ | 96 |  |  | $ | 9,392 |
Additions: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Provision for loan losses |  |  | (94 | ) |  |  | (4 | ) |  |  | 44 |  |  |  | (152 | ) |  |  | 450 |  |  |  | 50 |  |  |  | 6 |  |  |  | 300 |
Deductions: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans charged off |  |  | 157 |  |  |  | 0 |  |  |  | 0 |  |  |  | 92 |  |  |  | 27 |  |  |  | 86 |  |  |  | 0 |  |  |  | 362 |
Less recoveries on loans |  |  | (26 | ) |  |  | 0 |  |  |  | 0 |  |  |  | (31 | ) |  |  | (36 | ) |  |  | (47 | ) |  |  | 0 |  |  |  | (140 | )
Net loans charged off |  |  | 131 |  |  |  | 0 |  |  |  | 0 |  |  |  | 61 |  |  |  | (9 | ) |  |  | 39 |  |  |  | 0 |  |  |  | 222 |
Balance at end of period |  | $ | 2,771 |  |  | $ | 59 |  |  | $ | 293 |  |  | $ | 2,080 |  |  | $ | 3,870 |  |  | $ | 295 |  |  | $ | 102 |  |  | $ | 9,470 |
|  | Nine Months Ended September 30, 2016 |
|  | 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 beginning of period |  | $ | 2,153 |  |  | $ | 59 |  |  | $ | 644 |  |  | $ | 2,439 |  |  | $ | 2,935 |  |  | $ | 273 |  |  | $ | 101 |  |  | $ | 8,604 |
Additions: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Provision for loan losses |  |  | 710 |  |  |  | 0 |  |  |  | (852 | ) |  |  | 66 |  |  |  | 944 |  |  |  | 106 |  |  |  | 1 |  |  |  | 975 |
Deductions: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans charged off |  |  | 295 |  |  |  | 0 |  |  |  | 1 |  |  |  | 474 |  |  |  | 137 |  |  |  | 209 |  |  |  | 0 |  |  |  | 1,116 |
Less recoveries on loans |  |  | (203 | ) |  |  | 0 |  |  |  | (502 | ) |  |  | (49 | ) |  |  | (128 | ) |  |  | (125 | ) |  |  | 0 |  |  |  | (1,007 | )
Net loans charged off |  |  | 92 |  |  |  | 0 |  |  |  | (501 | ) |  |  | 425 |  |  |  | 9 |  |  |  | 84 |  |  |  | 0 |  |  |  | 109 |
Balance at end of period |  | $ | 2,771 |  |  | $ | 59 |  |  | $ | 293 |  |  | $ | 2,080 |  |  | $ | 3,870 |  |  | $ | 295 |  |  | $ | 102 |  |  | $ | 9,470 |
|  | Three Months Ended September 30, 2015 |
|  | 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 beginning of period |  | $ | 3,124 |  |  | $ | 17 |  |  | $ | 414 |  |  | $ | 2,332 |  |  | $ | 3,870 |  |  | $ | 185 |  |  | $ | 44 |  |  | $ | 9,986 |
Additions: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Provision for loan losses |  |  | 439 |  |  |  | (27 | ) |  |  | 137 |  |  |  | (233 | ) |  |  | (503 | ) |  |  | 66 |  |  |  | 121 |  |  |  | 0 |
Deductions: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans charged off |  |  | 591 |  |  |  | 0 |  |  |  | 0 |  |  |  | 87 |  |  |  | 126 |  |  |  | 80 |  |  |  | 0 |  |  |  | 884 |
Less recoveries on loans |  |  | (28 | ) |  |  | (28 | ) |  |  | 0 |  |  |  | (45 | ) |  |  | (5 | ) |  |  | (38 | ) |  |  | 0 |  |  |  | (144 | )
Net loans charged off |  |  | 563 |  |  |  | (28 | ) |  |  | 0 |  |  |  | 42 |  |  |  | 121 |  |  |  | 42 |  |  |  | 0 |  |  |  | 740 |
Balance at end of period |  | $ | 3,000 |  |  | $ | 18 |  |  | $ | 551 |  |  | $ | 2,057 |  |  | $ | 3,246 |  |  | $ | 209 |  |  | $ | 165 |  |  | $ | 9,246 |
|  | Nine Months Ended September 30, 2015 |
|  | 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 beginning of period |  | $ | 1,779 |  |  | $ | 171 |  |  | $ | 466 |  |  | $ | 2,527 |  |  | $ | 3,846 |  |  | $ | 270 |  |  | $ | 40 |  |  | $ | 9,099 |
Additions: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Provision for loan losses |  |  | 1,319 |  |  |  | (475 | ) |  |  | 90 |  |  |  | (277 | ) |  |  | (598 | ) |  |  | 66 |  |  |  | 125 |  |  |  | 250 |
Deductions: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans charged off |  |  | 741 |  |  |  | 0 |  |  |  | 5 |  |  |  | 298 |  |  |  | 159 |  |  |  | 241 |  |  |  | 0 |  |  |  | 1,444 |
Less recoveries on loans |  |  | (643 | ) |  |  | (322 | ) |  |  | 0 |  |  |  | (105 | ) |  |  | (157 | ) |  |  | (114 | ) |  |  | 0 |  |  |  | (1,341 | )
Net loans (recovered) charged off |  |  | 98 |  |  |  | (322 | ) |  |  | 5 |  |  |  | 193 |  |  |  | 2 |  |  |  | 127 |  |  |  | 0 |  |  |  | 103 |
Balance at end of period |  | $ | 3,000 |  |  | $ | 18 |  |  | $ | 551 |  |  | $ | 2,057 |  |  | $ | 3,246 |  |  | $ | 209 |  |  | $ | 165 |  |  | $ | 9,246 |
The following table provides the balance in the allowance for loan losses at September 30, 2016 and December 31, 2015, and the related loan balance by impairment methodology.
|  | 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 |
September 30, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 632 |  |  | $ | 0 |  |  | $ | 8 |  |  | $ | 386 |  |  | $ | 262 |  |  | $ | 14 |  |  | $ | 0 |  |  | $ | 1,302 |
Collectively evaluated for impairment |  |  | 2,139 |  |  |  | 59 |  |  |  | 285 |  |  |  | 1,694 |  |  |  | 3,608 |  |  |  | 281 |  |  |  | 102 |  |  |  | 8,168 |
Total |  | $ | 2,771 |  |  | $ | 59 |  |  | $ | 293 |  |  | $ | 2,080 |  |  | $ | 3,870 |  |  | $ | 295 |  |  | $ | 102 |  |  | $ | 9,470 |
Loans outstanding: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 1,811 |  |  | $ | 0 |  |  | $ | 51 |  |  | $ | 5,195 |  |  | $ | 2,068 |  |  | $ | 117 |  |  | $ | 0 |  |  | $ | 9,242 |
Collectively evaluated for impairment |  |  | 170,463 |  |  |  | 17,066 |  |  |  | 48,692 |  |  |  | 251,591 |  |  |  | 421,711 |  |  |  | 29,006 |  |  |  | 0 |  |  |  | 938,529 |
Total |  | $ | 172,274 |  |  | $ | 17,066 |  |  | $ | 48,743 |  |  | $ | 256,786 |  |  | $ | 423,779 |  |  | $ | 29,123 |  |  | $ | 0 |  |  | $ | 947,771 |
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 |
Schedule of impaired loans |
|  | September 30, |  |  | December 31, |
(in thousands) |  | 2016 |  |  | 2015 |
Non-accrual loans |  | $ | 3,587 |  |  | $ | 4,418 |
Performing TDRs |  |  | 5,655 |  |  |  | 5,850 |
Total impaired loans |  | $ | 9,242 |  |  | $ | 10,268 |
|  |  |  |  | Unpaid |  |  |  |
|  | Recorded |  |  | Principal |  |  | Specific |
(in thousands) |  | Investment |  |  | Balance |  |  | Reserves |
September 30, 2016 |  |  |  |  |  |  |  |  |  |  |  |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural |  | $ | 787 |  |  | $ | 927 |  |  | $ | 0 |
Real estate - residential |  |  | 1,345 |  |  |  | 1,346 |  |  |  | 0 |
Total |  | $ | 2,132 |  |  | $ | 2,273 |  |  | $ | 0 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural |  | $ | 1,024 |  |  | $ | 1,059 |  |  | $ | 632 |
Real estate - construction commercial |  |  | 51 |  |  |  | 56 |  |  |  | 8 |
Real estate - residential |  |  | 3,850 |  |  |  | 3,914 |  |  |  | 386 |
Real estate - commercial |  |  | 2,068 |  |  |  | 2,404 |  |  |  | 262 |
Consumer |  |  | 117 |  |  |  | 147 |  |  |  | 14 |
Total |  | $ | 7,110 |  |  | $ | 7,580 |  |  | $ | 1,302 |
Total impaired loans |  | $ | 9,242 |  |  | $ | 9,853 |  |  | $ | 1,302 |
|  |  |  |  | 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 |
|  | Three Months Ended September 30, |  |  | Nine Months Ended September 30, |
|  | 2016 |  |  | 2015 |  |  | 2016 |  |  | 2015 |
|  |  |  |  | Interest |  |  |  |  |  | Interest |  |  |  |  |  | Interest |  |  |  |  |  | Interest |
|  | Average |  |  | Recognized |  |  | Average |  |  | Recognized |  |  | Average |  |  | Recognized |  |  | Average |  |  | Recognized |
|  | Recorded |  |  | For the |  |  | Recorded |  |  | For the |  |  | Recorded |  |  | For the |  |  | Recorded |  |  | For the |
(in thousands) |  | Investment |  |  | Period Ended |  |  | Investment |  |  | Period Ended |  |  | Investment |  |  | Period Ended |  |  | Investment |  |  | Period Ended |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural |  | $ | 460 |  |  | $ | (9 | ) |  | $ | 3,416 |  |  | $ | 6 |  |  | $ | 491 |  |  | $ | 18 |  |  | $ | 4,033 |  |  | $ | 33 |
Real estate - construction residential |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 1,101 |  |  |  | 0 |
Real estate - construction commercial |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 2,002 |  |  |  | 0 |
Real estate - residential |  |  | 2,050 |  |  |  | 27 |  |  |  | 2,326 |  |  |  | 5 |  |  |  | 1,640 |  |  |  | 63 |  |  |  | 2,924 |  |  |  | 26 |
Real estate - commercial |  |  | 1,167 |  |  |  | 17 |  |  |  | 2,958 |  |  |  | 17 |  |  |  | 1,769 |  |  |  | 17 |  |  |  | 8,978 |  |  |  | 103 |
Consumer |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 10 |  |  |  | 1 |
Total |  | $ | 3,677 |  |  | $ | 35 |  |  | $ | 8,700 |  |  | $ | 28 |  |  | $ | 3,900 |  |  | $ | 98 |  |  | $ | 19,048 |  |  | $ | 163 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural |  | $ | 1,398 |  |  | $ | (13 | ) |  | $ | 787 |  |  | $ | 5 |  |  | $ | 924 |  |  | $ | 9 |  |  | $ | 1,389 |  |  | $ | 18 |
Real estate - construction residential |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Real estate - construction commercial |  |  | 51 |  |  |  | 0 |  |  |  | 55 |  |  |  | 0 |  |  |  | 64 |  |  |  | 0 |  |  |  | 28 |  |  |  | 0 |
Real estate - residential |  |  | 2,992 |  |  |  | 20 |  |  |  | 4,850 |  |  |  | 30 |  |  |  | 3,741 |  |  |  | 78 |  |  |  | 4,713 |  |  |  | 80 |
Real estate - commercial |  |  | 811 |  |  |  | 14 |  |  |  | 1,228 |  |  |  | 0 |  |  |  | 717 |  |  |  | 61 |  |  |  | 1,216 |  |  |  | 0 |
Consumer |  |  | 118 |  |  |  | (1 | ) |  |  | 162 |  |  |  | 0 |  |  |  | 123 |  |  |  | 0 |  |  |  | 209 |  |  |  | 0 |
Total |  | $ | 5,370 |  |  | $ | 20 |  |  | $ | 7,082 |  |  | $ | 35 |  |  | $ | 5,569 |  |  | $ | 148 |  |  | $ | 7,555 |  |  | $ | 98 |
Total impaired loans |  | $ | 9,047 |  |  | $ | 55 |  |  | $ | 15,782 |  |  | $ | 63 |  |  | $ | 9,469 |  |  | $ | 246 |  |  | $ | 26,603 |  |  | $ | 261 |
Schedule of aging information for the Company's past due and non-accrual loans |
|  | Current or |  |  |  |  |  | 90 Days |  |  |  |  |  |  |
|  | Less Than |  |  |  |  |  | Past Due |  |  |  |  |  |  |
|  | 30 Days |  |  | 30 - 89 Days |  |  | And Still |  |  |  |  |  |  |
(in thousands) |  | Past Due |  |  | Past Due |  |  | Accruing |  |  | Non-Accrual |  |  | Total |
September 30, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, Financial, and Agricultural |  | $ | 170,674 |  |  | $ | 443 |  |  | $ | 0 |  |  | $ | 1,157 |  |  | $ | 172,274 |
Real Estate Construction - Residential |  |  | 16,815 |  |  |  | 251 |  |  |  | 0 |  |  |  | 0 |  |  |  | 17,066 |
Real Estate Construction - Commercial |  |  | 48,692 |  |  |  | 0 |  |  |  | 0 |  |  |  | 51 |  |  |  | 48,743 |
Real Estate Mortgage - Residential |  |  | 253,884 |  |  |  | 1,138 |  |  |  | 60 |  |  |  | 1,704 |  |  |  | 256,786 |
Real Estate Mortgage - Commercial |  |  | 422,409 |  |  |  | 811 |  |  |  | 0 |  |  |  | 559 |  |  |  | 423,779 |
Installment and Other Consumer |  |  | 28,846 |  |  |  | 160 |  |  |  | 1 |  |  |  | 116 |  |  |  | 29,123 |
Total |  | $ | 941,320 |  |  | $ | 2,803 |  |  | $ | 61 |  |  | $ | 3,587 |  |  | $ | 947,771 |
December 31, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, Financial, and Agricultural |  | $ | 148,597 |  |  | $ | 185 |  |  | $ | 1 |  |  | $ | 308 |  |  | $ | 149,091 |
Real Estate Construction - Residential |  |  | 16,895 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 16,895 |
Real Estate Construction - Commercial |  |  | 33,776 |  |  |  | 65 |  |  |  | 0 |  |  |  | 102 |  |  |  | 33,943 |
Real Estate Mortgage - Residential |  |  | 251,253 |  |  |  | 2,511 |  |  |  | 0 |  |  |  | 2,322 |  |  |  | 256,086 |
Real Estate Mortgage - Commercial |  |  | 383,684 |  |  |  | 643 |  |  |  | 0 |  |  |  | 1,542 |  |  |  | 385,869 |
Installment and Other Consumer |  |  | 22,840 |  |  |  | 207 |  |  |  | 5 |  |  |  | 144 |  |  |  | 23,196 |
Total |  | $ | 857,045 |  |  | $ | 3,611 |  |  | $ | 6 |  |  | $ | 4,418 |  |  | $ | 865,080 |
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 September 30, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Watch |  | $ | 9,858 |  |  | $ | 662 |  |  | $ | 1,167 |  |  | $ | 18,078 |  |  | $ | 45,869 |  |  | $ | 0 |  |  | $ | 75,634 |
Substandard |  |  | 140 |  |  |  | 0 |  |  |  | 0 |  |  |  | 1,201 |  |  |  | 462 |  |  |  | 0 |  |  |  | 1,803 |
Performing TDRs |  |  | 654 |  |  |  | 0 |  |  |  | 0 |  |  |  | 3,492 |  |  |  | 1,509 |  |  |  | 0 |  |  |  | 5,655 |
Non-accrual |  |  | 1,157 |  |  |  | 0 |  |  |  | 51 |  |  |  | 1,704 |  |  |  | 559 |  |  |  | 116 |  |  |  | 3,587 |
Total |  | $ | 11,809 |  |  | $ | 662 |  |  | $ | 1,218 |  |  | $ | 24,475 |  |  | $ | 48,399 |  |  | $ | 116 |  |  | $ | 86,679 |
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 |
Schedule of summary of loans that were modified as TDRs |
|  | Three Months Ended September 30, |
|  | 2016 |  |  | 2015 |
|  | 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 |  |  | $ | 32 |  |  | $ | 32 |  |  |  | 0 |  |  | $ | 0 |  |  | $ | 0 |
Real estate mortgage - residential |  |  | 4 |  |  |  | 298 |  |  |  | 296 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total |  |  | 6 |  |  | $ | 330 |  |  | $ | 328 |  |  |  | 0 |  |  | $ | 0 |  |  | $ | 0 |
|  | Nine Months Ended September 30, |
|  | 2016 |  |  | 2015 |
|  | 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 |  |  | $ | 32 |  |  | $ | 32 |  |  |  | 3 |  |  | $ | 250 |  |  | $ | 240 |
Real estate mortgage - residential |  |  | 5 |  |  |  | 376 |  |  |  | 374 |  |  |  | 3 |  |  |  | 510 |  |  |  | 464 |
Real estate mortgage - commercial |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 4 |  |  |  | 1,273 |  |  |  | 1,137 |
Total |  |  | 7 |  |  | $ | 408 |  |  | $ | 406 |  |  |  | 10 |  |  | $ | 2,033 |  |  | $ | 1,841 |
(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.

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