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Loans and Allowance for Loan Losses (Tables)
 3 Months Ended
Mar. 31, 2017
Loans and Leases Receivable Disclosure [Abstract]  
Schedule of summary of loans, by major class within the Company's loan portfolio
    March 31,     December 31,  
(in thousands)   2017     2016  
Commercial, financial, and agricultural   $ 182,493     $ 182,881  
Real estate construction - residential     20,299       18,907  
Real estate construction - commercial     70,143       55,653  
Real estate mortgage - residential     263,882       259,900  
Real estate mortgage - commercial     442,266       426,470  
Installment and other consumer     31,099       30,218  
Total loans   $ 1,010,182     $ 974,029  
Schedule of summary of the allowance for loan losses
    Three Months Ended March 31, 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     (384 )     (59 )     166       (276 )     945       72       (114 )     350  
Deductions:                                                                
Loans charged off     28       0       0       20       14       51       0       113  
Less recoveries on loans     (19 )     (50 )     0       (36 )     (7 )     (27 )     0       (139 )
Net loan charge-offs (recoveries)     9       (50 )     0       (16 )     7       24       0       (26 )
Balance at end of period   $ 2,360     $ 99     $ 579     $ 2,125     $ 4,731     $ 322     $ 46     $ 10,262  

 

    Three Months Ended March 31, 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     (12 )     (15 )     33       32       276       (6 )     (58 )     250  
Deductions:                                                                
Loans charged off     103       0       1       206       82       56       0       448  
Less recoveries on loans     (97 )     0       (11 )     (8 )     (61 )     (48 )     0       (225 )
Net loan charge-offs (recoveries)     6       0       (10 )     198       21       8       0       223  
Balance at end of period   $ 2,135     $ 44     $ 687     $ 2,273     $ 3,190     $ 259     $ 43     $ 8,631  

 

The following table provides the balance in the allowance for loan losses at March 31, 2017 and December 31, 2016, and the related loan balance by impairment methodology.

 

    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  
March 31, 2017                                                                
Allowance for loan losses:                                                                
Individually evaluated for impairment   $ 446     $ 0     $ 7     $ 354     $ 284     $ 12     $ 0     $ 1,103  
Collectively evaluated for impairment     1,914       99       572       1,771       4,447       310       46       9,159  
Total   $ 2,360     $ 99     $ 579     $ 2,125     $ 4,731     $ 322     $ 46     $ 10,262  
Loans outstanding:                                                                
Individually evaluated for impairment   $ 1,655     $ 0     $ 49     $ 5,575     $ 1,986     $ 59     $ 0     $ 9,324  
Collectively evaluated for impairment     180,838       20,299       70,094       258,307       440,280       31,040       0       1,000,858  
Total   $ 182,493     $ 20,299     $ 70,143     $ 263,882     $ 442,266     $ 31,099     $ 0     $ 1,010,182  
                                                                 
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
    March 31,     December 31,  
(in thousands)   2017     2016  
Non-accrual loans   $ 3,526     $ 3,429  
Performing TDRs     5,798       5,715  
Total impaired loans   $ 9,324     $ 9,144  
 
          Unpaid        
    Recorded     Principal     Specific  
(in thousands)   Investment     Balance     Reserves  
March 31, 2017                        
With no related allowance recorded:                        
Commercial, financial and agricultural   $ 406     $ 561     $ 0  
Real estate - residential     811       822       0  
Real estate - commercial     394       394       0  
Total   $ 1,611     $ 1,777     $ 0  
With an allowance recorded:                        
Commercial, financial and agricultural   $ 1,249     $ 1,279     $ 446  
Real estate - construction commercial     49       55       7  
Real estate - residential     4,764       4,823       354  
Real estate - commercial     1,592       1,802       284  
Installment and other consumer     59       86       12  
Total   $ 7,713     $ 8,045     $ 1,103  
Total impaired loans   $ 9,324     $ 9,822     $ 1,103  

 

          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 March 31,  
    2017     2016  
          Interest           Interest  
    Average     Recognized     Average     Recognized  
    Recorded     For the     Recorded     For the  
(in thousands)   Investment     Period Ended     Investment     Period Ended  
With no related allowance recorded:                                
Commercial, financial and agricultural   $ 555     $ 1     $ 1,520     $ 15  
Real estate - construction commercial     0       0       118       0  
Real estate - residential     807       4       1,513       39  
Real estate - commercial     589       2       2,622       42  
Installment and other consumer     40       0       0       0  
Total   $ 1,991     $ 7     $ 5,773     $ 96  
With an allowance recorded:                                
Commercial, financial and agricultural   $ 1,192     $ 11     $ 984     $ 12  
Real estate - construction commercial     50       0       65       0  
Real estate - residential     4,511       43       4,553       120  
Real estate - commercial     1,494       15       764       0  
Installment and other consumer     51       0       135       0  
Total   $ 7,298     $ 69     $ 6,501     $ 132  
Total impaired loans   $ 9,289     $ 76     $ 12,274     $ 228  
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  
March 31, 2017                                        
Commercial, Financial, and Agricultural   $ 181,368     $ 220     $ 0     $ 905     $ 182,493  
Real Estate Construction - Residential     20,299       0       0       0       20,299  
Real Estate Construction - Commercial     69,997       97       0       49       70,143  
Real Estate Mortgage - Residential     259,360       2,484       22       2,016       263,882  
Real Estate Mortgage - Commercial     440,489       1,280       0       497       442,266  
Installment and Other Consumer     30,877       154       9       59       31,099  
Total   $ 1,002,390     $ 4,235     $ 31     $ 3,526     $ 1,010,182  
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 March 31, 2017                                                        
Watch   $ 6,647     $ 1,221     $ 1,666     $ 19,571     $ 48,984     $ 0     $ 78,089  
Substandard     689       640       97       2,546       425       22       4,419  
Performing TDRs     750       0       0       3,559       1,489       0       5,798  
Non-accrual     905       0       49       2,016       497       59       3,526  
Total   $ 8,991     $ 1,861     $ 1,812     $ 27,692     $ 51,395     $ 81     $ 91,832  
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 March 31,  
    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     $ 131       0     $ 0     $ 0  
Real estate mortgage - residential     0       0       0       1       78       78  
Real estate mortgage - commercial     1       56       56       0       0       0  
Total     2     $ 187     $ 187       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.