LOANS, NET (Tables)

12 Months Ended

Dec. 31, 2016

Receivables [Abstract]

Schedule of composition of the loan portfolio

(Dollars in Thousands)		2016		2015
Commercial, Financial and Agricultural		$	216,404	$	179,816
Real Estate – Construction			58,443		46,484
Real Estate – Commercial Mortgage			503,978		499,813
Real Estate – Residential(1)			281,509		290,585
Real Estate – Home Equity			236,512		233,901
Consumer			264,443		241,676
	Loans, Net of Unearned Income	$	1,561,289	$	1,492,275

Schedule of recorded investment in nonaccrual loans and loans past due over 90 days and still on accrual by class of loans

	2016				2015
(Dollars in Thousands)	Nonaccrual		90 + Days		Nonaccrual		90 + Days
Commercial, Financial and Agricultural	$	468	$	-	$	96	$	-
Real Estate – Construction		311		-		97		-
Real Estate – Commercial Mortgage		3,410		-		4,191		-
Real Estate – Residential		2,330		-		4,739		-
Real Estate – Home Equity		1,774		-		1,017		-
Consumer		240		-		165		-
Total Nonaccrual Loans	$	8,533	$	-	$	10,305	$	-

Schedule of aging of past due loans by class of loans

	30-59		60-89		90 +		Total		Total		Total
(Dollars in Thousands)	DPD		DPD		DPD		Past Due		Current		Loans
2016
Commercial, Financial and Agricultural	$	209	$	48	$	-	$	257	$	215,679	$	216,404
Real Estate – Construction		949		282		-		1,231		56,901		58,443
Real Estate – Commercial Mortgage		835		1		-		836		499,732		503,978
Real Estate – Residential		1,199		490		-		1,689		277,490		281,509
Real Estate – Home Equity		577		51		-		628		234,110		236,512
Consumer		1,516		281		-		1,797		262,406		264,443
Total Past Due Loans	$	5,285	$	1,153	$	-	$	6,438	$	1,546,318	$	1,561,289
2015
Commercial, Financial and Agricultural	$	153	$	18	$	-	$	171	$	179,549	$	179,816
Real Estate – Construction		690		-		-		690		45,697		46,484
Real Estate – Commercial Mortgage		754		1,229		-		1,983		493,639		499,813
Real Estate – Residential		567		347		-		914		284,932		290,585
Real Estate – Home Equity		787		97		-		884		232,000		233,901
Consumer		735		398		-		1,133		240,378		241,676
Total Past Due Loans	$	3,686	$	2,089	$	-	$	5,775	$	1,476,195	$	1,492,275

Schedule of activity in the allowance for loan losses by portfolio class

		Commercial,				Real Estate
		Financial,		Real Estate		Commercial		Real Estate		Real Estate
(Dollars in Thousands)		Agricultural		Construction		Mortgage		Residential		Home Equity		Consumer		Total
2016
Beginning Balance		$	905	$	101	$	4,498	$	4,409	$	2,473	$	1,567	$	13,953
	Provision for Loan Losses		817		67		(242)		(1,296)		(135)		1,608		819
	Charge-Offs		(861)		-		(349)		(899)		(450)		(2,127)		(4,686)
	Recoveries		337		-		408		1,231		409		960		3,345
	Net Charge-Offs		(524)		-		59		332		(41)		(1,167)		(1,341)
Ending Balance		$	1,198	$	168	$	4,315	$	3,445	$	2,297	$	2,008	$	13,431
2015
Beginning Balance		$	784	$	843	$	5,287	$	6,520	$	2,882	$	1,223	$	17,539
	Provision for Loan Losses		911		(742)		278		(964)		858		1,253		1,594
	Charge-Offs		(1,029)		-		(1,250)		(1,852)		(1,403)		(1,901)		(7,435)
	Recoveries		239		-		183		705		136		992		2,255
	Net Charge-Offs		(790)		-		(1,067)		(1,147)		(1,267)		(909)		(5,180)
Ending Balance		$	905	$	101	$	4,498	$	4,409	$	2,473	$	1,567	$	13,953
2014
Beginning Balance		$	699	$	1,580	$	7,710	$	9,073	$	3,051	$	982	$	23,095
	Provision for Loan Losses		742		(718)		897		(1,145)		1,069		1,060		1,905
	Charge-Offs		(871)		(28)		(3,788)		(2,160)		(1,379)		(1,820)		(10,046)
	Recoveries		214		9		468		752		141		1,001		2,585
	Net Charge-Offs		(657)		(19)		(3,320)		(1,408)		(1,238)		(819)		(7,461)
Ending Balance		$	784	$	843	$	5,287	$	6,520	$	2,882	$	1,223	$	17,539

Schedule of allowance for loan losses by portfolio class and disaggregated on the basis of the impairment methodology

		Commercial,				Real Estate
		Financial,		Real Estate		Commercial		Real Estate		Real Estate
(Dollars in Thousands)		Agricultural		Construction		Mortgage		Residential		Home Equity		Consumer		Total
2016
Period-end amount
Allocated to:
	Loans Individually
	Evaluated for Impairment	$	80	$	-	$	2,038	$	1,561	$	335	$	6	$	4,020
	Loans Collectively
	Evaluated for Impairment		1,118		168		2,277		1,884		1,962		2,002		9,411
Ending Balance		$	1,198	$	168	$	4,315	$	3,445	$	2,297	$	2,008	$	13,431
2015
Period-end amount
Allocated to:
	Loans Individually
	Evaluated for Impairment	$	77	$	-	$	2,049	$	2,118	$	384	$	18	$	4,646
	Loans Collectively
	Evaluated for Impairment		828		101		2,449		2,291		2,089		1,549		9,307
Ending Balance		$	905	$	101	$	4,498	$	4,409	$	2,473	$	1,567	$	13,953
2014
Period-end amount
Allocated to:
	Loans Individually
	Evaluated for Impairment	$	293	$	-	$	2,733	$	2,113	$	638	$	5	$	5,782
	Loans Collectively
	Evaluated for Impairment		491		843		2,554		4,407		2,244		1,218		11,757
Ending Balance		$	784	$	843	$	5,287	$	6,520	$	2,882	$	1,223	$	17,539

Schedule of allowance for loan losses by portfolio class

	Commercial,				Real Estate
	Financial,		Real Estate		Commercial		Real Estate		Real Estate
(Dollars in Thousands)	Agricultural		Construction		Mortgage		Residential		Home Equity		Consumer		Total
2016
Individually Evaluated for
Impairment	$	1,042	$	247	$	23,855	$	15,596	$	3,375	$	174	$	44,289
Collectively Evaluated for
Impairment		215,362		58,196		480,123		265,913		233,137		264,269		1,517,000
Total	$	216,404	$	58,443	$	503,978	$	281,509	$	236,512	$	264,443	$	1,561,289
2015
Individually Evaluated for
Impairment	$	834	$	97	$	20,847	$	18,569	$	3,144	$	261	$	43,752
Collectively Evaluated for
Impairment		178,982		46,387		478,966		272,016		230,757		241,415		1,448,523
Total	$	179,816	$	46,484	$	499,813	$	290,585	$	233,901	$	241,676	$	1,492,275
2014
Individually Evaluated for
Impairment	$	1,040	$	401	$	32,242	$	20,120	$	3,074	$	216	$	57,093
Collectively Evaluated for
Impairment		135,885		41,195		477,878		275,849		226,498		216,976		1,374,281
Total	$	136,925	$	41,596	$	510,120	$	295,969	$	229,572	$	217,192	$	1,431,374

Schedule of loans individually evaluated for impairment by class of loans

	Unpaid		Recorded		Recorded
	Principal		Investment		Investment		Related
(Dollars in Thousands)	Balance		With No Allowance		With Allowance		Allowance
2016
Commercial, Financial and Agricultural	$	1,042	$	565	$	477	$	80
Real Estate – Construction		247		-		247		-
Real Estate – Commercial Mortgage		23,855		8,954		14,901		2,038
Real Estate – Residential		15,596		2,509		13,087		1,561
Real Estate – Home Equity		3,375		1,871		1,504		335
Consumer		174		65		109		6
Total	$	44,289	$	13,964	$	30,325	$	4,020
2015
Commercial, Financial and Agricultural	$	834	$	279	$	555	$	77
Real Estate – Construction		97		97		-		-
Real Estate – Commercial Mortgage		20,847		3,265		17,582		2,049
Real Estate – Residential		18,569		2,941		15,628		2,118
Real Estate – Home Equity		3,144		1,101		2,043		384
Consumer		261		79		182		18
Total	$	43,752	$	7,762	$	35,990	$	4,646

Schedule of Average recorded investment and interest income recognized by class of impaired loans

	2016				2015				2014
	Average		Total		Average		Total		Average		Total
	Recorded		Interest		Recorded		Interest		Recorded		Interest
(Dollars in Thousands)	Investment		Income		Investment		Income		Investment		Income
Commercial, Financial and Agricultural	$	886	$	49	$	1,002	$	46	$	1,440	$	62
Real Estate – Construction		69		1		335		-		637		4
Real Estate – Commercial Mortgage		21,376		920		27,644		1,093		41,435		1,725
Real Estate – Residential		17,314		786		19,105		842		21,122		1,070
Real Estate – Home Equity		3,076		115		3,001		86		3,000		72
Consumer		207		9		201		7		294		9
Total	$	42,928	$	1,880	$	51,288	$	2,074	$	67,928	$	2,942

Schedule of risk category of loans by segment

	Commercial,						Total
	Financial,						Criticized
(Dollars in Thousands)	Agriculture		Real Estate		Consumer		Loans
2016
Special Mention	$	3,300	$	23,183	$	216	$	26,699
Substandard		1,158		39,800		549		41,507
Doubtful		-		-		-		-
Total Criticized Loans	$	4,458	$	62,983	$	765	$	68,206
2015
Special Mention	$	5,938	$	27,838	$	69	$	33,845
Substandard		1,307		51,425		819		53,551
Doubtful		-		-		-		-
Total Criticized Loans	$	7,245	$	79,263	$	888	$	87,396

Schedule of troubled debt restructurings loans

	2016				2015
(Dollars in Thousands)	Accruing		Nonaccruing		Accruing		Nonaccruing
Commercial, Financial and Agricultural	$	772	$	40	$	897	$	-
Real Estate – Construction		-		-		-		-
Real Estate – Commercial Mortgage		20,673		1,259		16,621		1,070
Real Estate – Residential		13,969		444		14,979		1,582
Real Estate – Home Equity		2,647		-		2,914		-
Consumer		172		-		223		35
Total TDRs	$	38,233	$	1,743	$	35,634	$	2,687

Schedule of loans classified as troubled debt in which modifications made

	2016			2015			2014
	Number			Number			Number
	of	Recorded		of	Recorded		of	Recorded
(Dollars in Thousands)	Contracts	Investment(1)		Contracts	Investment(1)		Contracts	Investment(1)
Commercial, Financial and Agricultural	-	$	-	1	$	40	3	$	320
Real Estate – Construction	-		-	-		-	-		-
Real Estate – Commercial Mortgage	3		5,012	4		631	3		1,769
Real Estate – Residential	6		590	14		1,531	11		1,972
Real Estate – Home Equity	5		206	21		1,005	10		883
Consumer	-		-	3		110	1		34
Total TDRs	14	$	5,808	43	$	3,317	28	$	4,978
(1) Recorded investment reflects charge-offs and additional funds advanced at time of restructure, if applicable.

Schedule of loans classified as troubled debt subsequently defaulted

	2016			2015			2014
	Number	Post-Modified		Number	Post-Modified		Number	Post-Modified
	of	Recorded		of	Recorded		of	Recorded
(Dollars in Thousands)	Contracts	Investment		Contracts	Investment		Contracts	Investment
Extended amortization	3	$	4,703	16	$	973	10	$	1,894
Interest rate adjustment	-		-	5		284	1		156
Extended amortization and
Interest rate adjustment	11		1,105	22		2,060	8		1,179
Other	-		-	-		-	9		1,749
Total TDRs	14	$	5,808	43	$	3,317	28	$	4,978

	2016			2015			2014
	Number			Number			Number
	of	Recorded		of	Recorded		of	Recorded
(Dollars in Thousands)	Contracts	Investment(1)		Contracts	Investment(1)		Contracts	Investment(1)
Commercial, Financial and Agricultural	-	$	-	-	$	-	-	$	-
Real Estate – Construction	-		-	-		-	-		-
Real Estate – Commercial Mortgage	-		-	-		-	1		60
Real Estate – Residential	-		-	-		-	2		177
Real Estate – Home Equity	-		-	-		-	1		153
Total TDRs	-	$	-	-	$	-	4	$	390
(1) Recorded investment reflects charge-offs and additional funds advanced at time of restructure, if applicable.