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Loans and Allowance for Loan Losses (Tables) | 6 Months Ended
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Jun. 30, 2018
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) |  | 2018 |  |  | 2017 |
Commercial, financial, and agricultural |  | $ | 200,628 |  |  | $ | 192,238 |
Real estate construction - residential |  |  | 28,285 |  |  |  | 26,492 |
Real estate construction - commercial |  |  | 106,406 |  |  |  | 98,340 |
Real estate mortgage - residential |  |  | 246,415 |  |  |  | 246,754 |
Real estate mortgage - commercial |  |  | 479,571 |  |  |  | 472,455 |
Installment and other consumer |  |  | 32,890 |  |  |  | 32,153 |
Total loans |  | $ | 1,094,195 |  |  | $ | 1,068,432 |
Schedule of summary of the allowance for loan losses |
|  | Three Months Ended June 30, 2018 |
|  | 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 |  | $ | 3,261 |  |  | $ | 240 |  |  | $ | 895 |  |  | $ | 2,057 |  |  | $ | 4,008 |  |  | $ | 352 |  |  | $ | 134 |  |  | $ | 10,947 |
Additions: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Provision for loan losses |  |  | 865 |  |  |  | (52 | ) |  |  | 10 |  |  |  | 48 |  |  |  | (388 | ) |  |  | 90 |  |  |  | (123 | ) |  |  | 450 |
Deductions: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans charged off |  |  | 193 |  |  |  | 0 |  |  |  | 0 |  |  |  | 12 |  |  |  | 15 |  |  |  | 49 |  |  |  | 0 |  |  |  | 269 |
Less recoveries on loans |  |  | (10 | ) |  |  | (13 | ) |  |  | 0 |  |  |  | (16 | ) |  |  | (25 | ) |  |  | (20 | ) |  |  | 0 |  |  |  | (84 | )
Net loan charge-offs (recoveries) |  |  | 183 |  |  |  | (13 | ) |  |  | 0 |  |  |  | (4 | ) |  |  | (10 | ) |  |  | 29 |  |  |  | 0 |  |  |  | 185 |
Balance at end of period |  | $ | 3,943 |  |  | $ | 201 |  |  | $ | 905 |  |  | $ | 2,109 |  |  | $ | 3,630 |  |  | $ | 413 |  |  | $ | 11 |  |  | $ | 11,212 |
|  | Six Months Ended June 30, 2018 |
|  | 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 |  | $ | 3,325 |  |  | $ | 170 |  |  | $ | 807 |  |  | $ | 1,689 |  |  | $ | 4,437 |  |  |  | 345 |  |  | $ | 79 |  |  | $ | 10,852 |
Additions: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Provision for loan losses |  |  | 898 |  |  |  | 54 |  |  |  | 128 |  |  |  | 416 |  |  |  | (809 | ) |  |  | 131 |  |  |  | (68 | ) |  |  | 750 |
Deductions: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans charged off |  |  | 303 |  |  |  | 48 |  |  |  | 30 |  |  |  | 32 |  |  |  | 29 |  |  |  | 106 |  |  |  | 0 |  |  |  | 548 |
Less recoveries on loans |  |  | (23 | ) |  |  | (25 | ) |  |  | 0 |  |  |  | (36 | ) |  |  | (31 | ) |  |  | (43 | ) |  |  | 0 |  |  |  | (158 | )
Net loan charge-offs (recoveries) |  |  | 280 |  |  |  | 23 |  |  |  | 30 |  |  |  | (4 | ) |  |  | (2 | ) |  |  | 63 |  |  |  | 0 |  |  |  | 390 |
Balance at end of period |  | $ | 3,943 |  |  | $ | 201 |  |  | $ | 905 |  |  | $ | 2,109 |  |  | $ | 3,630 |  |  | $ | 413 |  |  | $ | 11 |  |  | $ | 11,212 |
|  | 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 |
Schedule of allowance for loan losses by impairment |
|  | 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, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 410 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 668 |  |  | $ | 185 |  |  | $ | 19 |  |  | $ | 0 |  |  | $ | 1,282 |
Collectively evaluated for impairment |  |  | 3,533 |  |  |  | 201 |  |  |  | 905 |  |  |  | 1,441 |  |  |  | 3,445 |  |  |  | 394 |  |  |  | 11 |  |  |  | 9,930 |
Total |  | $ | 3,943 |  |  | $ | 201 |  |  | $ | 905 |  |  | $ | 2,109 |  |  | $ | 3,630 |  |  | $ | 413 |  |  | $ | 11 |  |  | $ | 11,212 |
Loans outstanding: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 2,887 |  |  | $ | 0 |  |  | $ | 169 |  |  | $ | 5,186 |  |  | $ | 1,705 |  |  | $ | 304 |  |  | $ | 0 |  |  | $ | 10,251 |
Collectively evaluated for impairment |  |  | 197,741 |  |  |  | 28,285 |  |  |  | 106,237 |  |  |  | 241,229 |  |  |  | 477,866 |  |  |  | 32,586 |  |  |  | 0 |  |  |  | 1,083,944 |
Total |  | $ | 200,628 |  |  | $ | 28,285 |  |  | $ | 106,406 |  |  | $ | 246,415 |  |  | $ | 479,571 |  |  | $ | 32,890 |  |  | $ | 0 |  |  | $ | 1,094,195 |
December 31, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 500 |  |  | $ | 0 |  |  | $ | 48 |  |  | $ | 521 |  |  | $ | 243 |  |  | $ | 21 |  |  | $ | 0 |  |  | $ | 1,333 |
Collectively evaluated for impairment |  |  | 2,825 |  |  |  | 170 |  |  |  | 759 |  |  |  | 1,168 |  |  |  | 4,194 |  |  |  | 324 |  |  |  | 79 |  |  |  | 9,519 |
Total |  | $ | 3,325 |  |  | $ | 170 |  |  | $ | 807 |  |  | $ | 1,689 |  |  | $ | 4,437 |  |  | $ | 345 |  |  | $ | 79 |  |  | $ | 10,852 |
Loans outstanding: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 3,007 |  |  | $ | 0 |  |  | $ | 97 |  |  | $ | 5,072 |  |  | $ | 2,004 |  |  | $ | 176 |  |  | $ | 0 |  |  | $ | 10,356 |
Collectively evaluated for impairment |  |  | 189,231 |  |  |  | 26,492 |  |  |  | 98,243 |  |  |  | 241,682 |  |  |  | 470,451 |  |  |  | 31,977 |  |  |  | 0 |  |  |  | 1,058,076 |
Total |  | $ | 192,238 |  |  | $ | 26,492 |  |  | $ | 98,340 |  |  | $ | 246,754 |  |  | $ | 472,455 |  |  | $ | 32,153 |  |  | $ | 0 |  |  | $ | 1,068,432 |
Schedule of impaired loans |
|  | June 30, |  |  | December 31, |
(in thousands) |  | 2018 |  |  | 2017 |
Non-accrual loans |  | $ | 6,311 |  |  | $ | 5,672 |
Performing TDRs |  |  | 3,940 |  |  |  | 4,684 |
Total impaired loans |  | $ | 10,251 |  |  | $ | 10,356 |
|  |  |  |  | Unpaid |  |  |  |
|  | Recorded |  |  | Principal |  |  | Specific |
(in thousands) |  | Investment |  |  | Balance |  |  | Reserves |
June 30, 2018 |  |  |  |  |  |  |  |  |  |  |  |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural |  | $ | 1,282 |  |  | $ | 1,351 |  |  | $ | 0 |
Real estate - construction residential |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Real estate - construction commercial |  |  | 169 |  |  |  | 188 |  |  |  | 0 |
Real estate - residential |  |  | 993 |  |  |  | 1,048 |  |  |  | 0 |
Real estate - commercial |  |  | 753 |  |  |  | 753 |  |  |  | 0 |
Consumer |  |  | 137 |  |  |  | 137 |  |  |  | 0 |
Total |  | $ | 3,334 |  |  | $ | 3,477 |  |  | $ | 0 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural |  | $ | 1,605 |  |  | $ | 1,927 |  |  | $ | 410 |
Real estate - construction residential |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Real estate - residential |  |  | 4,193 |  |  |  | 4,287 |  |  |  | 668 |
Real estate - commercial |  |  | 952 |  |  |  | 1,078 |  |  |  | 185 |
Installment and other consumer |  |  | 167 |  |  |  | 189 |  |  |  | 19 |
Total |  | $ | 6,917 |  |  | $ | 7,481 |  |  | $ | 1,282 |
Total impaired loans |  | $ | 10,251 |  |  | $ | 10,958 |  |  | $ | 1,282 |
|  |  |  |  | Unpaid |  |  |  |
|  | Recorded |  |  | Principal |  |  | Specific |
(in thousands) |  | Investment |  |  | Balance |  |  | Reserves |
December 31, 2017 |  |  |  |  |  |  |  |  |  |  |  |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural |  | $ | 1,393 |  |  | $ | 1,445 |  |  | $ | 0 |
Real estate - residential |  |  | 674 |  |  |  | 688 |  |  |  | 0 |
Real estate - commercial |  |  | 366 |  |  |  | 395 |  |  |  | 0 |
Total |  | $ | 2,433 |  |  | $ | 2,528 |  |  | $ | 0 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural |  | $ | 1,614 |  |  | $ | 1,834 |  |  | $ | 500 |
Real estate - construction commercial |  |  | 97 |  |  |  | 97 |  |  |  | 48 |
Real estate - residential |  |  | 4,398 |  |  |  | 4,500 |  |  |  | 521 |
Real estate - commercial |  |  | 1,638 |  |  |  | 1,743 |  |  |  | 243 |
Consumer |  |  | 176 |  |  |  | 196 |  |  |  | 21 |
Total |  | $ | 7,923 |  |  | $ | 8,370 |  |  | $ | 1,333 |
Total impaired loans |  | $ | 10,356 |  |  | $ | 10,898 |  |  | $ | 1,333 |
|  | Three Months Ended June 30, |  |  | Six Months Ended June 30, |
|  | 2018 |  |  | 2017 |  |  | 2018 |  |  | 2017 |
|  |  |  |  | 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 |  | $ | 1,153 |  |  | $ | 0 |  |  | $ | 464 |  |  | $ | -1 |  |  | $ | 1,302 |  |  | $ | 1 |  |  | $ | 519 |  |  | $ | 0 |
Real estate - construction commercial |  |  | 113 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 42 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Real estate - residential |  |  | 933 |  |  |  | 3 |  |  |  | 852 |  |  |  | 3 |  |  |  | 900 |  |  |  | 6 |  |  |  | 912 |  |  |  | 7 |
Real estate - commercial |  |  | 116 |  |  |  | 10 |  |  |  | 395 |  |  |  | -2 |  |  |  | 237 |  |  |  | 19 |  |  |  | 500 |  |  |  | 0 |
Installment and other consumer |  |  | 137 |  |  |  | 0 |  |  |  | 2 |  |  |  | 0 |  |  |  | 34 |  |  |  | 0 |  |  |  | 31 |  |  |  | 0 |
Total |  | $ | 2,452 |  |  | $ | 13 |  |  | $ | 1,713 |  |  | $ | 0 |  |  | $ | 2,515 |  |  | $ | 26 |  |  | $ | 1,962 |  |  | $ | 7 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural |  | $ | 1,621 |  |  | $ | 8 |  |  | $ | 1,214 |  |  | $ | 8 |  |  | $ | 1,737 |  |  | $ | 15 |  |  | $ | 1,199 |  |  | $ | 19 |
Real estate - construction residential |  |  | 20 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 15 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Real estate - construction commercial |  |  | 0 |  |  |  | 0 |  |  |  | 48 |  |  |  | 0 |  |  |  | 24 |  |  |  | 0 |  |  |  | 49 |  |  |  | 0 |
Real estate - residential |  |  | 4,118 |  |  |  | 14 |  |  |  | 4,790 |  |  |  | 42 |  |  |  | 4,247 |  |  |  | 47 |  |  |  | 4,595 |  |  |  | 87 |
Real estate - commercial |  |  | 1,732 |  |  |  | 5 |  |  |  | 1,604 |  |  |  | 14 |  |  |  | 1,691 |  |  |  | 10 |  |  |  | 1,505 |  |  |  | 29 |
Installment and other consumer |  |  | 172 |  |  |  | 1 |  |  |  | 51 |  |  |  | 0 |  |  |  | 167 |  |  |  | 1 |  |  |  | 48 |  |  |  | 0 |
Total |  | $ | 7,663 |  |  | $ | 28 |  |  | $ | 7,707 |  |  | $ | 64 |  |  | $ | 7,881 |  |  | $ | 73 |  |  | $ | 7,396 |  |  | $ | 135 |
Total impaired loans |  | $ | 10,115 |  |  | $ | 41 |  |  | $ | 9,420 |  |  | $ | 64 |  |  | $ | 10,396 |  |  | $ | 99 |  |  | $ | 9,358 |  |  | $ | 142 |
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, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, Financial, and Agricultural |  | $ | 197,928 |  |  | $ | 271 |  |  | $ | 0 |  |  | $ | 2,429 |  |  | $ | 200,628 |
Real Estate Construction - Residential |  |  | 28,285 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 28,285 |
Real Estate Construction - Commercial |  |  | 106,237 |  |  |  | 0 |  |  |  | 0 |  |  |  | 169 |  |  |  | 106,406 |
Real Estate Mortgage - Residential |  |  | 242,937 |  |  |  | 695 |  |  |  | 8 |  |  |  | 2,775 |  |  |  | 246,415 |
Real Estate Mortgage - Commercial |  |  | 478,383 |  |  |  | 535 |  |  |  | 0 |  |  |  | 653 |  |  |  | 479,571 |
Installment and Other Consumer |  |  | 32,363 |  |  |  | 208 |  |  |  | 34 |  |  |  | 285 |  |  |  | 32,890 |
Total |  | $ | 1,086,133 |  |  | $ | 1,709 |  |  | $ | 42 |  |  | $ | 6,311 |  |  | $ | 1,094,195 |
December 31, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, Financial, and Agricultural |  | $ | 189,537 |  |  | $ | 192 |  |  | $ | 2 |  |  | $ | 2,507 |  |  | $ | 192,238 |
Real Estate Construction - Residential |  |  | 25,930 |  |  |  | 287 |  |  |  | 275 |  |  |  | 0 |  |  |  | 26,492 |
Real Estate Construction - Commercial |  |  | 98,243 |  |  |  | 0 |  |  |  | 0 |  |  |  | 97 |  |  |  | 98,340 |
Real Estate Mortgage - Residential |  |  | 242,597 |  |  |  | 2,173 |  |  |  | 28 |  |  |  | 1,956 |  |  |  | 246,754 |
Real Estate Mortgage - Commercial |  |  | 471,476 |  |  |  | 43 |  |  |  | 0 |  |  |  | 936 |  |  |  | 472,455 |
Installment and Other Consumer |  |  | 31,715 |  |  |  | 239 |  |  |  | 23 |  |  |  | 176 |  |  |  | 32,153 |
Total |  | $ | 1,059,498 |  |  | $ | 2,934 |  |  | $ | 328 |  |  | $ | 5,672 |  |  | $ | 1,068,432 |
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, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Watch |  | $ | 7,378 |  |  | $ | 598 |  |  | $ | 3,581 |  |  | $ | 8,584 |  |  | $ | 33,482 |  |  | $ | 9 |  |  | $ | 53,632 |
Substandard |  |  | 94 |  |  |  | 0 |  |  |  | 0 |  |  |  | 1,371 |  |  |  | 718 |  |  |  | 6 |  |  |  | 2,189 |
Performing TDRs |  |  | 458 |  |  |  | 0 |  |  |  | 0 |  |  |  | 2,410 |  |  |  | 1,053 |  |  |  | 19 |  |  |  | 3,940 |
Non-accrual |  |  | 2,429 |  |  |  | 0 |  |  |  | 169 |  |  |  | 2,775 |  |  |  | 653 |  |  |  | 285 |  |  |  | 6,311 |
Total |  | $ | 10,359 |  |  | $ | 598 |  |  | $ | 3,750 |  |  | $ | 15,140 |  |  | $ | 35,906 |  |  | $ | 319 |  |  | $ | 66,072 |
At December 31, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Watch |  | $ | 9,868 |  |  | $ | 1,459 |  |  | $ | 1,284 |  |  | $ | 9,978 |  |  | $ | 49,197 |  |  | $ | 0 |  |  | $ | 71,786 |
Substandard |  |  | 658 |  |  |  | 462 |  |  |  | 0 |  |  |  | 2,262 |  |  |  | 723 |  |  |  | 16 |  |  |  | 4,121 |
Performing TDRs |  |  | 500 |  |  |  | 0 |  |  |  | 0 |  |  |  | 3,116 |  |  |  | 1,068 |  |  |  | 0 |  |  |  | 4,684 |
Non-accrual |  |  | 2,507 |  |  |  | 0 |  |  |  | 97 |  |  |  | 1,956 |  |  |  | 936 |  |  |  | 176 |  |  |  | 5,672 |
Total |  | $ | 13,533 |  |  | $ | 1,921 |  |  | $ | 1,381 |  |  | $ | 17,312 |  |  | $ | 51,924 |  |  | $ | 192 |  |  | $ | 86,263 |
Schedule of summary of loans that were modified as TDRs |
|  | Six Months Ended June 30, |
|  | 2018 |  |  | 2017 |
|  | 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 |  |  |  | 1 |  |  | $ | 131 |  |  | $ | 130 |
Real estate mortgage - residential |  |  | 1 |  |  |  | 75 |  |  |  | 75 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Real estate mortgage - commercial |  |  | 1 |  |  |  | 68 |  |  |  | 64 |  |  |  | 1 |  |  |  | 56 |  |  |  | 52 |
Consumer |  |  | 4 |  |  |  | 48 |  |  |  | 47 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total |  |  | 6 |  |  | $ | 191 |  |  | $ | 186 |  |  |  | 2 |  |  | $ | 187 |  |  | $ | 182 |
(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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