LOANS, NET (Tables)

12 Months Ended

Dec. 31, 2017

Receivables [Abstract]

Schedule of composition of the loan portfolio

(Dollars in Thousands)		2017		2016
Commercial, Financial and Agricultural		$	218,166	$	216,404
Real Estate – Construction			77,966		58,443
Real Estate – Commercial Mortgage			535,707		503,978
Real Estate – Residential(1)			311,906		281,509
Real Estate – Home Equity			229,513		236,512
Consumer(2)			280,234		264,443
	Loans, Net of Unearned Income	$	1,653,492	$	1,561,289

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

	2017				2016
(Dollars in Thousands)	Nonaccrual		90 + Days		Nonaccrual		90 + Days
Commercial, Financial and Agricultural	$	629	$	-	$	468	$	-
Real Estate – Construction		297		-		311		-
Real Estate – Commercial Mortgage		2,370		-		3,410		-
Real Estate – Residential		1,938		-		2,330		-
Real Estate – Home Equity		1,748		-		1,774		-
Consumer		177		36		240		-
Total Nonaccrual Loans	$	7,159	$	36	$	8,533	$	-

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
2017
Commercial, Financial and Agricultural	$	87	$	55	$	-	$	142	$	217,395	$	218,166
Real Estate – Construction		811		-		-		811		76,858		77,966
Real Estate – Commercial Mortgage		437		195		-		632		532,705		535,707
Real Estate – Residential		701		446		-		1,147		308,821		311,906
Real Estate – Home Equity		80		2		-		82		227,683		229,513
Consumer		1,316		413		36		1,765		278,292		280,234
Total Past Due Loans	$	3,432	$	1,111	$	36	$	4,579	$	1,641,754	$	1,653,492
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

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
2017
Beginning Balance		$	1,198	$	168	$	4,315	$	3,445	$	2,297	$	2,008	$	13,431
	Provision for Loan Losses		1,037		(96)		542		(444)		180		996		2,215
	Charge-Offs		(1,357)		-		(685)		(411)		(190)		(2,193)		(4,836)
	Recoveries		313		50		174		616		219		1,125		2,497
	Net Charge-Offs		(1,044)		50		(511)		205		29		(1,068)		(2,339)
Ending Balance		$	1,191	$	122	$	4,346	$	3,206	$	2,506	$	1,936	$	13,307
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

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
2017
Period-end amount
Allocated to:
	Loans Individually
	Evaluated for Impairment	$	215	$	1	$	2,165	$	1,220	$	515	$	1	$	4,117
	Loans Collectively
	Evaluated for Impairment		976		121		2,181		1,986		1,991		1,935		9,190
Ending Balance		$	1,191	$	122	$	4,346	$	3,206	$	2,506	$	1,936	$	13,307
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

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
2017
Individually Evaluated for
Impairment	$	1,378	$	361	$	19,280	$	12,871	$	3,332	$	113	$	37,335
Collectively Evaluated for
Impairment		216,788		77,605		516,427		299,035		226,181		280,121		1,616,157
Total	$	218,166	$	77,966	$	535,707	$	311,906	$	229,513	$	280,234	$	1,653,492
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

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
2017
Commercial, Financial and Agricultural	$	1,378	$	118	$	1,260	$	215
Real Estate – Construction		361		297		64		1
Real Estate – Commercial Mortgage		19,280		1,763		17,517		2,165
Real Estate – Residential		12,871		1,516		11,355		1,220
Real Estate – Home Equity		3,332		1,157		2,175		515
Consumer		113		45		68		1
Total	$	37,335	$	4,896	$	32,439	$	4,117
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

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

	2017				2016				2015
	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	$	1,117	$	48	$	886	$	49	$	1,002	$	46
Real Estate – Construction		339		4		69		1		335		-
Real Estate – Commercial Mortgage		21,682		911		21,376		920		27,644		1,093
Real Estate – Residential		14,261		683		17,314		786		19,105		842
Real Estate – Home Equity		3,290		108		3,076		115		3,001		86
Consumer		141		8		207		9		201		7
Total	$	40,830	$	1,762	$	42,928	$	1,880	$	51,288	$	2,074

Schedule of risk category of loans by segment

	Commercial,						Total
	Financial,						Criticized
(Dollars in Thousands)	Agriculture		Real Estate		Consumer		Loans
2017
Special Mention	$	7,879	$	13,324	$	65	$	21,268
Substandard		1,057		29,291		654		31,002
Doubtful		-		-		-		-
Total Criticized Loans	$	8,936	$	42,615	$	719	$	52,270
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

Schedule of troubled debt restructurings loans

	2017				2016
(Dollars in Thousands)	Accruing		Nonaccruing		Accruing		Nonaccruing
Commercial, Financial and Agricultural	$	822	$	-	$	772	$	40
Real Estate – Construction		64		-		-		-
Real Estate – Commercial Mortgage		17,058		1,636		20,673		1,259
Real Estate – Residential		11,666		503		13,969		444
Real Estate – Home Equity		2,441		186		2,647		-
Consumer		113		-		172		-
Total TDRs	$	32,164	$	2,325	$	38,233	$	1,743

Schedule of loans classified as troubled debt in which modifications made

	2017			2016			2015
	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	$	22	-	$	-	1	$	40
Real Estate – Construction	1		65	-		-	-		-
Real Estate – Commercial Mortgage	1		70	3		5,012	4		631
Real Estate – Residential	2		283	6		590	14		1,531
Real Estate – Home Equity	4		203	5		206	21		1,005
Consumer	-		-	-		-	3		110
Total TDRs	9	$	643	14	$	5,808	43	$	3,317
(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

	2017			2016			2015
	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	1	$	70	3	$	4,703	16	$	973
Interest rate adjustment	3		302	-		-	5		284
Extended amortization and
interest rate adjustment	4		249	11		1,105	22		2,060
Other	1		22	-		-	-		-
Total TDRs	9	$	643	14	$	5,808	43	$	3,317