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Loans and Allowance for Loan Losses (Tables) | 6 Months Ended
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Jun. 30, 2017
Loans and Leases Receivable Disclosure [Abstract] |
Schedule of summary of loans, by major class within the Company's loan portfolio |
|  | June 30, |  |  | December 31, |
(in thousands) |  | 2017 |  |  | 2016 |
Commercial, financial, and agricultural |  | $ | 187,251 |  |  | $ | 182,881 |
Real estate construction - residential |  |  | 20,037 |  |  |  | 18,907 |
Real estate construction - commercial |  |  | 78,257 |  |  |  | 55,653 |
Real estate mortgage - residential |  |  | 255,426 |  |  |  | 259,900 |
Real estate mortgage - commercial |  |  | 461,062 |  |  |  | 426,470 |
Installment and other consumer |  |  | 32,987 |  |  |  | 30,218 |
Total loans |  | $ | 1,035,020 |  |  | $ | 974,029 |
Schedule of summary of the allowance for loan losses |
|  | Three Months Ended June 30, 2017 |
|  | Commercial, |  |  | Real Estate |  |  | Real Estate |  |  | Real Estate |  |  | Real Estate |  |  | Installment |  |  |  |  |  |  |
|  | Financial, & |  |  | Construction - |  |  | Construction - |  |  | Mortgage - |  |  | Mortgage - |  |  | and Other |  |  | Un- |  |  |  |
(in thousands) |  | Agricultural |  |  | Residential |  |  | Commercial |  |  | Residential |  |  | Commercial |  |  | Consumer |  |  | allocated |  |  | Total |
Balance at beginning of period |  | $ | 2,360 |  |  | $ | 99 |  |  | $ | 579 |  |  | $ | 2,125 |  |  | $ | 4,731 |  |  | $ | 322 |  |  | $ | 46 |  |  | $ | 10,262 |
Additions: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Provision for loan losses |  |  | 226 |  |  |  | (54 | ) |  |  | 36 |  |  |  | (230 | ) |  |  | 139 |  |  |  | 89 |  |  |  | 124 |  |  |  | 330 |
Deductions: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans charged off |  |  | 32 |  |  |  | 0 |  |  |  | 0 |  |  |  | 62 |  |  |  | 2 |  |  |  | 60 |  |  |  | 0 |  |  |  | 156 |
Less recoveries on loans |  |  | (24 | ) |  |  | (25 | ) |  |  | 0 |  |  |  | (21 | ) |  |  | (14 | ) |  |  | (25 | ) |  |  | 0 |  |  |  | (109 | )
Net loan charge-offs (recoveries) |  |  | 8 |  |  |  | (25 | ) |  |  | 0 |  |  |  | 41 |  |  |  | (12 | ) |  |  | 35 |  |  |  | 0 |  |  |  | 47 |
Balance at end of period |  | $ | 2,578 |  |  | $ | 70 |  |  | $ | 615 |  |  | $ | 1,854 |  |  | $ | 4,882 |  |  | $ | 376 |  |  | $ | 170 |  |  | $ | 10,545 |
|  | Six Months Ended June 30, 2017 |
|  | Commercial, |  |  | Real Estate |  |  | Real Estate |  |  | Real Estate |  |  | Real Estate |  |  | Installment |  |  |  |  |  |  |
|  | Financial, & |  |  | Construction - |  |  | Construction - |  |  | Mortgage - |  |  | Mortgage - |  |  | and Other |  |  | Un- |  |  |  |
(in thousands) |  | Agricultural |  |  | Residential |  |  | Commercial |  |  | Residential |  |  | Commercial |  |  | Consumer |  |  | allocated |  |  | Total |
Balance at beginning of period |  | $ | 2,753 |  |  | $ | 108 |  |  | $ | 413 |  |  | $ | 2,385 |  |  | $ | 3,793 |  |  |  | 274 |  |  | $ | 160 |  |  | $ | 9,886 |
Additions: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Provision for loan losses |  |  | (157 | ) |  |  | (113 | ) |  |  | 202 |  |  |  | (507 | ) |  |  | 1,084 |  |  |  | 161 |  |  |  | 10 |  |  |  | 680 |
Deductions: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans charged off |  |  | 60 |  |  |  | 0 |  |  |  | 0 |  |  |  | 81 |  |  |  | 16 |  |  |  | 111 |  |  |  | 0 |  |  |  | 268 |
Less recoveries on loans |  |  | (42 | ) |  |  | (75 | ) |  |  | 0 |  |  |  | (57 | ) |  |  | (21 | ) |  |  | (52 | ) |  |  | 0 |  |  |  | (247 | )
Net loan charge-offs (recoveries) |  |  | 18 |  |  |  | (75 | ) |  |  | 0 |  |  |  | 24 |  |  |  | (5 | ) |  |  | 59 |  |  |  | 0 |  |  |  | 21 |
Balance at end of period |  | $ | 2,578 |  |  | $ | 70 |  |  | $ | 615 |  |  | $ | 1,854 |  |  | $ | 4,882 |  |  | $ | 376 |  |  | $ | 170 |  |  | $ | 10,545 |
|  | Three Months Ended June 30, 2016 |
|  | Commercial, |  |  | Real Estate |  |  | Real Estate |  |  | Real Estate |  |  | Real Estate |  |  | Installment |  |  |  |  |  |  |
|  | Financial, & |  |  | Construction - |  |  | Construction - |  |  | Mortgage - |  |  | Mortgage - |  |  | and Other |  |  | Un- |  |  |  |
(in thousands) |  | Agricultural |  |  | Residential |  |  | Commercial |  |  | Residential |  |  | Commercial |  |  | Consumer |  |  | allocated |  |  | Total |
Balance at beginning of period |  | $ | 2,135 |  |  | $ | 44 |  |  | $ | 687 |  |  | $ | 2,273 |  |  | $ | 3,190 |  |  | $ | 259 |  |  | $ | 43 |  |  | $ | 8,631 |
Additions: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Provision for loan losses |  |  | 817 |  |  |  | 19 |  |  |  | (929 | ) |  |  | 186 |  |  |  | 218 |  |  |  | 61 |  |  |  | 53 |  |  |  | 425 |
Deductions: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans charged off |  |  | 36 |  |  |  | 0 |  |  |  | 0 |  |  |  | 175 |  |  |  | 28 |  |  |  | 67 |  |  |  | 0 |  |  |  | 306 |
Less recoveries on loans |  |  | (80 | ) |  |  | 0 |  |  |  | (491 | ) |  |  | (9 | ) |  |  | (31 | ) |  |  | (31 | ) |  |  | 0 |  |  |  | (642 | )
Net loan charge-offs (recoveries) |  |  | (44 | ) |  |  | 0 |  |  |  | (491 | ) |  |  | 166 |  |  |  | (3 | ) |  |  | 36 |  |  |  | 0 |  |  |  | (336 | )
Balance at end of period |  | $ | 2,996 |  |  | $ | 63 |  |  | $ | 249 |  |  | $ | 2,293 |  |  | $ | 3,411 |  |  | $ | 284 |  |  | $ | 96 |  |  | $ | 9,392 |
|  | Six Months Ended June 30, 2016 |
|  | Commercial, |  |  | Real Estate |  |  | Real Estate |  |  | Real Estate |  |  | Real Estate |  |  | Installment |  |  |  |  |  |  |
|  | Financial, & |  |  | Construction - |  |  | Construction - |  |  | Mortgage - |  |  | Mortgage - |  |  | and Other |  |  | Un- |  |  |  |
(in thousands) |  | Agricultural |  |  | Residential |  |  | Commercial |  |  | Residential |  |  | Commercial |  |  | Consumer |  |  | allocated |  |  | Total |
Balance at beginning of period |  | $ | 2,153 |  |  | $ | 59 |  |  | $ | 644 |  |  | $ | 2,439 |  |  | $ | 2,935 |  |  | $ | 273 |  |  | $ | 101 |  |  | $ | 8,604 |
Additions: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Provision for loan losses |  |  | 804 |  |  |  | 4 |  |  |  | (896 | ) |  |  | 218 |  |  |  | 495 |  |  |  | 55 |  |  |  | (5 | ) |  |  | 675 |
Deductions: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans charged off |  |  | 138 |  |  |  | 0 |  |  |  | 1 |  |  |  | 381 |  |  |  | 111 |  |  |  | 123 |  |  |  | 0 |  |  |  | 754 |
Less recoveries on loans |  |  | (177 | ) |  |  | 0 |  |  |  | (502 | ) |  |  | (17 | ) |  |  | (92 | ) |  |  | (79 | ) |  |  | 0 |  |  |  | (867 | )
Net loan charge-offs (recoveries) |  |  | (39 | ) |  |  | 0 |  |  |  | (501 | ) |  |  | 364 |  |  |  | 19 |  |  |  | 44 |  |  |  | 0 |  |  |  | (113 | )
Balance at end of period |  | $ | 2,996 |  |  | $ | 63 |  |  | $ | 249 |  |  | $ | 2,293 |  |  | $ | 3,411 |  |  | $ | 284 |  |  | $ | 96 |  |  | $ | 9,392 |
|  | Commercial, |  |  | Real Estate |  |  | Real Estate |  |  | Real Estate |  |  | Real Estate |  |  | Installment |  |  |  |  |  |  |
|  | Financial, and |  |  | Construction - |  |  | Construction - |  |  | Mortgage - |  |  | Mortgage - |  |  | and Other |  |  | Un- |  |  |  |
(in thousands) |  | Agricultural |  |  | Residential |  |  | Commercial |  |  | Residential |  |  | Commercial |  |  | Consumer |  |  | allocated |  |  | Total |
June 30, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 393 |  |  | $ | 0 |  |  | $ | 7 |  |  | $ | 450 |  |  | $ | 264 |  |  | $ | 11 |  |  | $ | 0 |  |  | $ | 1,125 |
Collectively evaluated for impairment |  |  | 2,185 |  |  |  | 70 |  |  |  | 608 |  |  |  | 1,404 |  |  |  | 4,618 |  |  |  | 365 |  |  |  | 170 |  |  |  | 9,420 |
Total |  | $ | 2,578 |  |  | $ | 70 |  |  | $ | 615 |  |  | $ | 1,854 |  |  | $ | 4,882 |  |  | $ | 376 |  |  | $ | 170 |  |  | $ | 10,545 |
Loans outstanding: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 1,787 |  |  | $ | 0 |  |  | $ | 48 |  |  | $ | 5,787 |  |  | $ | 2,046 |  |  | $ | 52 |  |  | $ | 0 |  |  | $ | 9,720 |
Collectively evaluated for impairment |  |  | 185,464 |  |  |  | 20,037 |  |  |  | 78,209 |  |  |  | 249,639 |  |  |  | 459,016 |  |  |  | 32,935 |  |  |  | 0 |  |  |  | 1,025,300 |
Total |  | $ | 187,251 |  |  | $ | 20,037 |  |  | $ | 78,257 |  |  | $ | 255,426 |  |  | $ | 461,062 |  |  | $ | 32,987 |  |  | $ | 0 |  |  | $ | 1,035,020 |
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 |
Schedule of impaired loans |
|  | June 30, |  |  | December 31, |
(in thousands) |  | 2017 |  |  | 2016 |
Non-accrual loans |  | $ | 4,434 |  |  | $ | 3,429 |
Performing TDRs |  |  | 5,286 |  |  |  | 5,715 |
Total impaired loans |  | $ | 9,720 |  |  | $ | 9,144 |
|  |  |  |  | Unpaid |  |  |  |
|  | Recorded |  |  | Principal |  |  | Specific |
(in thousands) |  | Investment |  |  | Balance |  |  | Reserves |
June 30, 2017 |  |  |  |  |  |  |  |  |  |  |  |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural |  | $ | 587 |  |  | $ | 751 |  |  | $ | 0 |
Real estate - residential |  |  | 795 |  |  |  | 813 |  |  |  | 0 |
Real estate - commercial |  |  | 366 |  |  |  | 395 |  |  |  | 0 |
Total |  | $ | 1,748 |  |  | $ | 1,959 |  |  | $ | 0 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural |  | $ | 1,200 |  |  | $ | 1,234 |  |  | $ | 393 |
Real estate - construction commercial |  |  | 48 |  |  |  | 55 |  |  |  | 7 |
Real estate - residential |  |  | 4,992 |  |  |  | 5,062 |  |  |  | 450 |
Real estate - commercial |  |  | 1,680 |  |  |  | 1,767 |  |  |  | 264 |
Installment and other consumer |  |  | 52 |  |  |  | 69 |  |  |  | 11 |
Total |  | $ | 7,972 |  |  | $ | 8,187 |  |  | $ | 1,125 |
Total impaired loans |  | $ | 9,720 |  |  | $ | 10,146 |  |  | $ | 1,125 |
|  |  |  |  | Unpaid |  |  |  |
|  | Recorded |  |  | Principal |  |  | Specific |
(in thousands) |  | Investment |  |  | Balance |  |  | 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 |
Installment and other consumer |  |  | 89 |  |  |  | 116 |  |  |  | 8 |
Total |  | $ | 7,030 |  |  | $ | 7,228 |  |  | $ | 1,080 |
Total impaired loans |  | $ | 9,144 |  |  | $ | 9,491 |  |  | $ | 1,080 |
|  | Three Months Ended June 30, |  |  | Six Months Ended June 30, |
|  | 2017 |  |  | 2016 |  |  | 2017 |  |  | 2016 |
|  |  |  |  | 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 |  | $ | 464 |  |  | $ | (1 | ) |  | $ | 385 |  |  | $ | 19 |  |  | $ | 519 |  |  | $ | 0 |  |  | $ | 1,014 |  |  | $ | 29 |
Real estate - residential |  |  | 852 |  |  |  | 3 |  |  |  | 1,593 |  |  |  | 100 |  |  |  | 912 |  |  |  | 7 |  |  |  | 1,738 |  |  |  | 197 |
Real estate - commercial |  |  | 395 |  |  |  | (2 | ) |  |  | 2,109 |  |  |  | 63 |  |  |  | 500 |  |  |  | 0 |  |  |  | 2,280 |  |  |  | 120 |
Installment and other consumer |  |  | 2 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 31 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total |  | $ | 1,713 |  |  | $ | 0 |  |  | $ | 4,087 |  |  | $ | 182 |  |  | $ | 1,962 |  |  | $ | 7 |  |  | $ | 5,032 |  |  | $ | 346 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural |  | $ | 1,214 |  |  | $ | 8 |  |  | $ | 866 |  |  | $ | 108 |  |  | $ | 1,199 |  |  | $ | 19 |  |  | $ | 860 |  |  | $ | 135 |
Real estate - construction commercial |  |  | 48 |  |  |  | 0 |  |  |  | 52 |  |  |  | 0 |  |  |  | 49 |  |  |  | 0 |  |  |  | 64 |  |  |  | 2 |
Real estate - residential |  |  | 4,790 |  |  |  | 42 |  |  |  | 3,442 |  |  |  | 62 |  |  |  | 4,595 |  |  |  | 87 |  |  |  | 3,977 |  |  |  | 141 |
Real estate - commercial |  |  | 1,604 |  |  |  | 14 |  |  |  | 260 |  |  |  | 13 |  |  |  | 1,505 |  |  |  | 29 |  |  |  | 560 |  |  |  | 20 |
Installment and other consumer |  |  | 51 |  |  |  | 0 |  |  |  | 114 |  |  |  | 5 |  |  |  | 48 |  |  |  | 0 |  |  |  | 129 |  |  |  | 9 |
Total |  | $ | 7,707 |  |  | $ | 64 |  |  | $ | 4,734 |  |  | $ | 188 |  |  | $ | 7,396 |  |  | $ | 135 |  |  | $ | 5,590 |  |  | $ | 307 |
Total impaired loans |  | $ | 9,420 |  |  | $ | 64 |  |  | $ | 8,821 |  |  | $ | 370 |  |  | $ | 9,358 |  |  | $ | 142 |  |  | $ | 10,622 |  |  | $ | 653 |
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 |
June 30, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, Financial, and Agricultural |  | $ | 185,050 |  |  | $ | 1,078 |  |  | $ | 0 |  |  | $ | 1,123 |  |  | $ | 187,251 |
Real Estate Construction - Residential |  |  | 20,037 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 20,037 |
Real Estate Construction - Commercial |  |  | 78,209 |  |  |  | 0 |  |  |  | 0 |  |  |  | 48 |  |  |  | 78,257 |
Real Estate Mortgage - Residential |  |  | 252,322 |  |  |  | 600 |  |  |  | 252 |  |  |  | 2,252 |  |  |  | 255,426 |
Real Estate Mortgage - Commercial |  |  | 460,103 |  |  |  | 0 |  |  |  | 0 |  |  |  | 959 |  |  |  | 461,062 |
Installment and Other Consumer |  |  | 32,767 |  |  |  | 131 |  |  |  | 37 |  |  |  | 52 |  |  |  | 32,987 |
Total |  | $ | 1,028,488 |  |  | $ | 1,809 |  |  | $ | 289 |  |  | $ | 4,434 |  |  | $ | 1,035,020 |
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 |
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 June 30, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Watch |  | $ | 9,266 |  |  | $ | 1,107 |  |  | $ | 1,318 |  |  | $ | 16,879 |  |  | $ | 46,861 |  |  | $ | 0 |  |  | $ | 75,431 |
Substandard |  |  | 1,688 |  |  |  | 640 |  |  |  | 97 |  |  |  | 2,258 |  |  |  | 736 |  |  |  | 24 |  |  |  | 5,443 |
Performing TDRs |  |  | 664 |  |  |  | 0 |  |  |  | 0 |  |  |  | 3,535 |  |  |  | 1,087 |  |  |  | 0 |  |  |  | 5,286 |
Non-accrual |  |  | 1,123 |  |  |  | 0 |  |  |  | 48 |  |  |  | 2,252 |  |  |  | 959 |  |  |  | 52 |  |  |  | 4,434 |
Total |  | $ | 12,741 |  |  | $ | 1,747 |  |  | $ | 1,463 |  |  | $ | 24,924 |  |  | $ | 49,643 |  |  | $ | 76 |  |  | $ | 90,594 |
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 |
Schedule of summary of loans that were modified as TDRs |
|  | Six Months Ended June 30, |
|  | 2017 |  |  | 2016 |
|  | 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 |  |  | 1 |  |  | $ | 131 |  |  | $ | 130 |  |  |  | 0 |  |  | $ | 0 |  |  | $ | 0 |
Real estate mortgage - residential |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 1 |  |  |  | 78 |  |  |  | 78 |
Real estate mortgage - commercial |  |  | 1 |  |  |  | 56 |  |  |  | 52 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total |  |  | 2 |  |  | $ | 187 |  |  | $ | 182 |  |  |  | 1 |  |  | $ | 78 |  |  | $ | 78 |
(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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