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Loans and Allowance for Loan Losses (Tables)

12 Months Ended

Dec. 31, 2016

Loans and Leases Receivable Disclosure [Abstract]

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

(in thousands)			2016						2015
Commercial, financial, and agricultural				$	182,881					$	149,091
Real estate construction - residential					18,907						16,895
Real estate construction - commercial					55,653						33,943
Real estate mortgage - residential					259,900						256,086
Real estate mortgage - commercial					426,470						385,869
Installment and other consumer					30,218						23,196
Total loans				$	974,029					$	865,080

Schedule of loans to directors and executive officers

(in thousands)
Balance at December 31, 2015				$	3,376
New loans					64
Amounts collected					(167)
Balance at December 31, 2016				$	3,273

Schedule of summary of the allowance for loan losses

(in thousands)			Commercial,  Financial, &  Agricultural						Real Estate  Construction -  Residential						Real Estate  Construction -  Commercial						Real Estate  Mortgage -  Residential						Real Estate  Mortgage -  Commercial						Installment  Loans to  Individuals						Un-  allocated						Total
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
Additions:
Provision for loan losses					690						49						(732)						381						865						113						59						1,425
Deductions:
Loans charged off					389						0						1						495						147						258						0						1,290
Less recoveries on loans					(299)						0						(502)						(60)						(140)						(146)						0						(1,147)
Net loans charged off					90						0						(501)						435						7						112						0						143
Balance at December 31, 2016				$	2,753					$	108					$	413					$	2,385					$	3,793					$	274					$	160					$	9,886

(in thousands)			Commercial,  Financial, and  Agricultural						Real Estate  Construction -  Residential						Real Estate  Construction -  Commercial						Real Estate  Mortgage -  Residential						Real Estate  Mortgage -  Commercial						Installment  Loans to  Individuals						Un-  allocated						Total
December 31, 2016
Allowance for loan losses:
Individually evaluated for impairment				$	469					$	0					$	7					$	319					$	277					$	8					$	0					$	1,080
Collectively evaluated for impairment					2,284						108						406						2,066						3,516						266						160						8,806
Total				$	2,753					$	108					$	413					$	2,385					$	3,793					$	274					$	160					$	9,886
Loans outstanding:
Individually evaluated for impairment				$	1,617					$	0					$	49					$	5,471					$	1,918					$	89					$	0					$	9,144
Collectively evaluated for impairment					181,264						18,907						55,604						254,429						424,552						30,129						0						964,885
Total				$	182,881					$	18,907					$	55,653					$	259,900					$	426,470					$	30,218					$	0					$	974,029
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

(in thousands)			2016						2015
Non-accrual loans				$	3,429					$	4,418
Performing TDRs					5,715						5,850
Total impaired loans				$	9,144					$	10,268

(in thousands)			Recorded  Investment						Unpaid  Principal  Balance						Specific  Reserves
December 31, 2016
With no related allowance recorded:
Commercial, financial and agricultural				$	564					$	706					$	0
Real estate - residential					1,550						1,557						0
Total				$	2,114					$	2,263					$	0
With an allowance recorded:
Commercial, financial and agricultural				$	1,053					$	1,078					$	469
Real estate - construction commercial					49						56						7
Real estate - residential					3,921						3,990						319
Real estate - commercial					1,918						1,988						277
Consumer					89						116						8
Total				$	7,030					$	7,228					$	1,080
Total impaired loans				$	9,144					$	9,491					$	1,080

(in thousands)			Recorded  Investment						Unpaid  Principal  Balance						Specific  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

			2016												2015
(in thousands)			Average  Recorded  Investment						Interest  Recognized  For the  Period  Ended						Average  Recorded  Investment						Interest  Recognized  For the  Period  Ended
With no related allowance recorded:
Commercial, financial and agricultural				$	669					$	13					$	2,949					$	39
Real estate - construction residential					0						0						536						0
Real estate - construction commercial					0						0						1,105						0
Real estate - residential					1,713						52						2,331						37
Real estate - commercial					353						0						5,169						119
Consumer					0						0						7						1
Total				$	2,735					$	65					$	12,097					$	196
With an allowance recorded:
Commercial, financial and agricultural				$	899					$	23					$	1,356					$	22
Real estate - construction commercial					51						0						52						0
Real estate - residential					3,553						114						4,625						110
Real estate - commercial					1,842						83						1,161						0
Consumer					109						0						183						0
Total				$	6,454					$	220					$	7,377					$	132
Total impaired loans				$	9,189					$	285					$	19,474					$	328

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, 2016
Commercial, Financial, and Agricultural				$	181,609					$	290					$	0					$	982					$	182,881
Real Estate Construction - Residential					18,681						226						0						0						18,907
Real Estate Construction - Commercial					55,603						0						0						50						55,653
Real Estate Mortgage - Residential					254,758						3,200						54						1,888						259,900
Real Estate Mortgage - Commercial					425,260						790						0						420						426,470
Installment and Other Consumer					29,920						198						11						89						30,218
Total				$	965,831					$	4,704					$	65					$	3,429					$	974,029
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 December 31, 2016
Watch				$	10,295					$	665					$	1,113					$	16,577					$	44,611					$	0					$	73,261
Substandard					798						640						0						2,159						426						24						4,047
Performing TDRs					635						0						0						3,582						1,498						0						5,715
Non-accrual					982						0						50						1,888						420						89						3,429
Total				$	12,710					$	1,305					$	1,163					$	24,206					$	46,955					$	113					$	86,452
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

			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					0					$	0					$	0						2					$	250					$	229
Real estate mortgage - residential					7						536						536						1						519						374
Real estate mortgage - commercial					0						0						0						4						1,273						1,249
Total					7					$	536					$	536						7					$	2,042					$	1,852

(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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- Definition

Tabular disclosure of loans to directors and executive officers or to entities in which such individuals had a beneficial interest of the Company.

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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

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-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
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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.

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-Publisher FASB
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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.

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Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables.

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Tabular disclosure of financing receivables and troubled debt restructurings.

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