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Loans and Allowance for Loan Losses (Tables) | 9 Months Ended
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Sep. 30, 2017
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) |  | 2017 |  |  | 2016 |
Commercial, financial, and agricultural |  | $ | 184,868 |  |  | $ | 182,881 |
Real estate construction - residential |  |  | 22,723 |  |  |  | 18,907 |
Real estate construction - commercial |  |  | 91,102 |  |  |  | 55,653 |
Real estate mortgage - residential |  |  | 250,736 |  |  |  | 259,900 |
Real estate mortgage - commercial |  |  | 461,988 |  |  |  | 426,470 |
Installment and other consumer |  |  | 33,630 |  |  |  | 30,218 |
Total loans |  | $ | 1,045,047 |  |  | $ | 974,029 |
Schedule of summary of the allowance for loan losses |
|  | Three Months Ended September 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 |  | $ | 2,578 |  |  | $ | 70 |  |  | $ | 615 |  |  | $ | 1,854 |  |  | $ | 4,882 |  |  | $ | 376 |  |  | $ | 170 |  |  | $ | 10,545 |
Additions: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Provision for loan losses |  |  | 853 |  |  |  | 64 |  |  |  | 91 |  |  |  | 100 |  |  |  | (426 | ) |  |  | 32 |  |  |  | (159 | ) |  |  | 555 |
Deductions: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans charged off |  |  | 37 |  |  |  | 0 |  |  |  | 0 |  |  |  | 68 |  |  |  | 4 |  |  |  | 56 |  |  |  | 0 |  |  |  | 165 |
Less recoveries on loans |  |  | (12 | ) |  |  | (12 | ) |  |  | 0 |  |  |  | (11 | ) |  |  | (5 | ) |  |  | (25 | ) |  |  | 0 |  |  |  | (65 | )
Net loan charge-offs (recoveries) |  |  | 25 |  |  |  | (12 | ) |  |  | 0 |  |  |  | 57 |  |  |  | (1 | ) |  |  | 31 |  |  |  | 0 |  |  |  | 100 |
Balance at end of period |  | $ | 3,406 |  |  | $ | 146 |  |  | $ | 706 |  |  | $ | 1,897 |  |  | $ | 4,457 |  |  | $ | 377 |  |  | $ | 11 |  |  | $ | 11,000 |
|  | Nine Months Ended September 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 |  |  | 695 |  |  |  | (49 | ) |  |  | 293 |  |  |  | (407 | ) |  |  | 658 |  |  |  | 194 |  |  |  | (149 | ) |  |  | 1,235 |
Deductions: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans charged off |  |  | 97 |  |  |  | 0 |  |  |  | 0 |  |  |  | 149 |  |  |  | 20 |  |  |  | 167 |  |  |  | 0 |  |  |  | 433 |
Less recoveries on loans |  |  | (55 | ) |  |  | (87 | ) |  |  | 0 |  |  |  | (68 | ) |  |  | (26 | ) |  |  | (76 | ) |  |  | 0 |  |  |  | (312 | )
Net loan charge-offs (recoveries) |  |  | 42 |  |  |  | (87 | ) |  |  | 0 |  |  |  | 81 |  |  |  | (6 | ) |  |  | 91 |  |  |  | 0 |  |  |  | 121 |
Balance at end of period |  | $ | 3,406 |  |  | $ | 146 |  |  | $ | 706 |  |  | $ | 1,897 |  |  | $ | 4,457 |  |  | $ | 377 |  |  | $ | 11 |  |  | $ | 11,000 |
|  | 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 |
|  | 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 |
September 30, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 929 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 528 |  |  | $ | 258 |  |  | $ | 23 |  |  | $ | 0 |  |  | $ | 1,738 |
Collectively evaluated for impairment |  |  | 2,477 |  |  |  | 146 |  |  |  | 706 |  |  |  | 1,369 |  |  |  | 4,199 |  |  |  | 354 |  |  |  | 11 |  |  |  | 9,262 |
Total |  | $ | 3,406 |  |  | $ | 146 |  |  | $ | 706 |  |  | $ | 1,897 |  |  | $ | 4,457 |  |  | $ | 377 |  |  | $ | 11 |  |  | $ | 11,000 |
Loans outstanding: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 3,522 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 5,173 |  |  | $ | 2,023 |  |  | $ | 168 |  |  | $ | 0 |  |  | $ | 10,886 |
Collectively evaluated for impairment |  |  | 181,346 |  |  |  | 22,723 |  |  |  | 91,102 |  |  |  | 245,563 |  |  |  | 459,965 |  |  |  | 33,462 |  |  |  | 0 |  |  |  | 1,034,161 |
Total |  | $ | 184,868 |  |  | $ | 22,723 |  |  | $ | 91,102 |  |  | $ | 250,736 |  |  | $ | 461,988 |  |  | $ | 33,630 |  |  | $ | 0 |  |  | $ | 1,045,047 |
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 |
|  | September 30, |  |  | December 31, |
(in thousands) |  | 2017 |  |  | 2016 |
Non-accrual loans |  | $ | 6,210 |  |  | $ | 3,429 |
Performing TDRs |  |  | 4,676 |  |  |  | 5,715 |
Total impaired loans |  | $ | 10,886 |  |  | $ | 9,144 |
|  |  |  |  | Unpaid |  |  |  |
|  | Recorded |  |  | Principal |  |  | Specific |
(in thousands) |  | Investment |  |  | Balance |  |  | Reserves |
September 30, 2017 |  |  |  |  |  |  |  |  |  |  |  |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural |  | $ | 1,442 |  |  | $ | 1,473 |  |  | $ | 0 |
Real estate - residential |  |  | 1,024 |  |  |  | 1,049 |  |  |  | 0 |
Real estate - commercial |  |  | 366 |  |  |  | 529 |  |  |  | 0 |
Total |  | $ | 2,832 |  |  | $ | 3,051 |  |  | $ | 0 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural |  | $ | 2,080 |  |  | $ | 2,288 |  |  | $ | 929 |
Real estate - residential |  |  | 4,149 |  |  |  | 4,220 |  |  |  | 528 |
Real estate - commercial |  |  | 1,657 |  |  |  | 1,887 |  |  |  | 258 |
Installment and other consumer |  |  | 168 |  |  |  | 185 |  |  |  | 23 |
Total |  | $ | 8,054 |  |  | $ | 8,580 |  |  | $ | 1,738 |
Total impaired loans |  | $ | 10,886 |  |  | $ | 11,631 |  |  | $ | 1,738 |
|  |  |  |  | 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 September 30, |  |  | Nine Months Ended September 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 |  | $ | 481 |  |  | $ | 0 |  |  | $ | 460 |  |  | $ | -9 |  |  | $ | 478 |  |  | $ | 0 |  |  | $ | 491 |  |  | $ | 18 |
Real estate - residential |  |  | 341 |  |  |  | 0 |  |  |  | 2,050 |  |  |  | 27 |  |  |  | 1,412 |  |  |  | 0 |  |  |  | 1,640 |  |  |  | 63 |
Real estate - commercial |  |  | 77 |  |  |  | 3 |  |  |  | 1,167 |  |  |  | 17 |  |  |  | 221 |  |  |  | 9 |  |  |  | 1,769 |  |  |  | 17 |
Installment and other consumer |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 22 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total |  | $ | 899 |  |  | $ | 3 |  |  | $ | 3,677 |  |  | $ | 35 |  |  | $ | 2,133 |  |  | $ | 9 |  |  | $ | 3,900 |  |  | $ | 98 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural |  | $ | 694 |  |  | $ | 8 |  |  | $ | 1,398 |  |  | $ | -13 |  |  | $ | 1,667 |  |  | $ | 24 |  |  | $ | 924 |  |  | $ | 9 |
Real estate - construction commercial |  |  | 0 |  |  |  | 0 |  |  |  | 51 |  |  |  | 0 |  |  |  | 37 |  |  |  | 0 |  |  |  | 64 |  |  |  | 0 |
Real estate - residential |  |  | 1,383 |  |  |  | 33 |  |  |  | 2,992 |  |  |  | 20 |  |  |  | 4,090 |  |  |  | 121 |  |  |  | 3,741 |  |  |  | 78 |
Real estate - commercial |  |  | 597 |  |  |  | 17 |  |  |  | 811 |  |  |  | 14 |  |  |  | 1,772 |  |  |  | 46 |  |  |  | 717 |  |  |  | 61 |
Installment and other consumer |  |  | 56 |  |  |  | 0 |  |  |  | 118 |  |  |  | -1 |  |  |  | 70 |  |  |  | 0 |  |  |  | 123 |  |  |  | 0 |
Total |  | $ | 2,730 |  |  | $ | 58 |  |  | $ | 5,370 |  |  | $ | 20 |  |  | $ | 7,636 |  |  | $ | 191 |  |  | $ | 5,569 |  |  | $ | 148 |
Total impaired loans |  | $ | 3,629 |  |  | $ | 61 |  |  | $ | 9,047 |  |  | $ | 55 |  |  | $ | 9,769 |  |  | $ | 200 |  |  | $ | 9,469 |  |  | $ | 246 |
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, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, Financial, and Agricultural |  | $ | 181,781 |  |  | $ | 82 |  |  | $ | 0 |  |  | $ | 3,005 |  |  | $ | 184,868 |
Real Estate Construction - Residential |  |  | 22,723 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 22,723 |
Real Estate Construction - Commercial |  |  | 91,005 |  |  |  | 97 |  |  |  | 0 |  |  |  | 0 |  |  |  | 91,102 |
Real Estate Mortgage - Residential |  |  | 247,462 |  |  |  | 1,063 |  |  |  | 117 |  |  |  | 2,094 |  |  |  | 250,736 |
Real Estate Mortgage - Commercial |  |  | 460,339 |  |  |  | 706 |  |  |  | 0 |  |  |  | 943 |  |  |  | 461,988 |
Installment and Other Consumer |  |  | 33,224 |  |  |  | 177 |  |  |  | 61 |  |  |  | 168 |  |  |  | 33,630 |
Total |  | $ | 1,036,534 |  |  | $ | 2,125 |  |  | $ | 178 |  |  | $ | 6,210 |  |  | $ | 1,045,047 |
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 September 30, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Watch |  | $ | 9,830 |  |  | $ | 1,236 |  |  | $ | 1,281 |  |  | $ | 10,330 |  |  | $ | 48,773 |  |  | $ | 0 |  |  | $ | 71,450 |
Substandard |  |  | 900 |  |  |  | 462 |  |  |  | 97 |  |  |  | 2,296 |  |  |  | 728 |  |  |  | 20 |  |  |  | 4,503 |
Performing TDRs |  |  | 517 |  |  |  | 0 |  |  |  | 0 |  |  |  | 3,080 |  |  |  | 1,079 |  |  |  | 0 |  |  |  | 4,676 |
Non-accrual |  |  | 3,005 |  |  |  | 0 |  |  |  | 0 |  |  |  | 2,094 |  |  |  | 943 |  |  |  | 168 |  |  |  | 6,210 |
Total |  | $ | 14,252 |  |  | $ | 1,698 |  |  | $ | 1,378 |  |  | $ | 17,800 |  |  | $ | 51,523 |  |  | $ | 188 |  |  | $ | 86,839 |
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 |
|  | Three Months Ended September 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 |  |  | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  |  | 2 |  |  | $ | 32 |  |  | $ | 32 |
Real estate mortgage - residential |  |  | 1 |  |  |  | 14 |  |  |  | 14 |  |  |  | 4 |  |  |  | 298 |  |  |  | 296 |
Total |  |  | 1 |  |  | $ | 14 |  |  | $ | 14 |  |  |  | 6 |  |  | $ | 330 |  |  | $ | 328 |
|  | Nine Months Ended September 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 |  |  |  | 2 |  |  | $ | 32 |  |  | $ | 32 |
Real estate mortgage - residential |  |  | 1 |  |  |  | 14 |  |  |  | 14 |  |  |  | 5 |  |  |  | 376 |  |  |  | 374 |
Real estate mortgage - commercial |  |  | 1 |  |  |  | 56 |  |  |  | 52 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total |  |  | 3 |  |  | $ | 201 |  |  | $ | 196 |  |  |  | 7 |  |  | $ | 408 |  |  | $ | 406 |
(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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