0001093672-14-000010.txt : 20140321 0001093672-14-000010.hdr.sgml : 20140321 20140321091516 ACCESSION NUMBER: 0001093672-14-000010 CONFORMED SUBMISSION TYPE: 10-K PUBLIC DOCUMENT COUNT: 17 CONFORMED PERIOD OF REPORT: 20131231 FILED AS OF DATE: 20140321 DATE AS OF CHANGE: 20140321 FILER: COMPANY DATA: COMPANY CONFORMED NAME: PEOPLES BANCORP OF NORTH CAROLINA INC CENTRAL INDEX KEY: 0001093672 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 562132396 STATE OF INCORPORATION: NC FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 10-K SEC ACT: 1934 Act SEC FILE NUMBER: 000-27205 FILM NUMBER: 14708462 BUSINESS ADDRESS: STREET 1: 518 WEST C STREET CITY: NEWTON STATE: NC ZIP: 28658-4007 BUSINESS PHONE: 8284645620 MAIL ADDRESS: STREET 1: PO BOX 467 CITY: NEWTON STATE: NC ZIP: 28658-0467 10-K 1 form10kfordec312013.htm FORM 10-K FOR DEC 31, 2013 form10kfordec312013.htm
 
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
     
FORM 10-K
 
ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(D)
OF THE SECURITIES EXCHANGE ACT OF 1934
 
For the fiscal year ended:    December 31, 2013
 
Peoples Bancorp of North Carolina, Inc.
(Exact Name of Registrant as Specified in Its Charter)
 
North Carolina
(State or Other Jurisdiction of Incorporation)
 
000-27205
56-2132396
(Commission File No.)
(IRS Employer Identification No.)
 
518 West C Street, Newton, North Carolina
28658
(Address of Principal Executive Offices)
(Zip Code)
 
(828) 464-5620
(Registrant’s Telephone Number, Including Area Code)
Securities Registered Pursuant to Section 12(b) of the Act:  None
Securities Registered Pursuant to Section 12(g) of the Act:
Common Stock, no par value
(title of class)
 
Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.
 
Yes
   o  
No
   x  
 
Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.
 
Yes
   o  
No
   x  
Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.
 
Yes
   x  
No
   o  
Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (§ 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files). 
 
Yes
   x  
No
   o  
Indicate by check mark if disclosure of delinquent filers in response to Item 405 of Regulation S-K is not contained herein, and will not be contained, to the best of registrant's knowledge, in definitive proxy or information statements incorporated by reference in Part III of this Form 10-K or any amendment to the Form 10-K.    x
 
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer or a smaller reporting company.
Large Accelerate Filer
   o  
Accelerated Filer
 o  
Non-Accelerated Filer
 o  
Smaller Reporting Company
x
  
 
Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).
 
Yes
   o  
No
   x  
State the aggregate market value of the voting and non-voting common equity held by non-affiliates computed by reference to the price at which the common equity was last sold, or the average bid and asked prices of such common equity, as of the last business day of the registrant’s most recently completed second fiscal quarter.  $55,780,675 based on the closing price of such common stock on June 30, 2013, which was $12.90 per share.
 
Indicate the number of shares outstanding of each of the registrant's classes of common stock, as of the latest practicable date.
5,613,495 shares of common stock, outstanding at February 28, 2014.
 
 
 
 
 
 
DOCUMENTS INCORPORATED BY REFERENCE

Portions of the Annual Report of Peoples Bancorp of North Carolina, Inc. for the year ended December 31, 2013 (the “Annual Report”), which will be included as Appendix A to the Proxy Statement for the 2014 Annual Meeting of Shareholders, are incorporated by reference into Part I and Part II and included as Exhibit 13 to the Form 10-K.

Portions of the Proxy Statement for the 2014 Annual Meeting of Shareholders of Peoples Bancorp of North Carolina, Inc. to be held on May 1, 2014 (the “Proxy Statement”), are incorporated by reference into Part III.


 







This report contains certain forward-looking statements with respect to the financial condition, results of operations and business of Peoples Bancorp of North Carolina, Inc. (the “Company”).  These forward-looking statements involve risks and uncertainties and are based on the beliefs and assumptions of management of the Company and on the information available to management at the time that these disclosures were prepared. These statements can be identified by the use of words like “expect,” “anticipate,” “estimate” and “believe,” variations of these words and other similar expressions.  Readers should not place undue reliance on forward-looking statements as a number of important factors could cause actual results to differ materially from those in the forward-looking statements.  Factors that could cause actual results to differ materially include, but are not limited to, (1) competition in the markets served by Peoples Bank, (2) changes in the interest rate environment, (3) general national, regional or local economic conditions may be less favorable than expected, resulting in, among other things, a deterioration in credit quality and the possible impairment of collectibility of loans, (4) legislative or regulatory changes, including changes in accounting standards, (5) significant changes in the federal and state legal and regulatory environment and tax laws, (6) the impact of changes in monetary and fiscal policies, laws, rules and regulations and (7) other risks and factors identified in the Company’s other filings with the Securities and Exchange Commission.  The Company undertakes no obligation to update any forward-looking statements.


 
2
 
 
 
PEOPLES BANCORP OF NORTH CAROLINA, INC.
FORM 10-K CROSS REFERENCE INDEX
     
   
Notice of 2014
   
Annual Meeting,
 
2013 Form
Proxy Statement
 
10-K
and Annual Report
 
Page
Page
PART I
    
Item 1 - Business
4 - 11
N/A
Item 1A - Risk Factors
11 - 18
N/A
Item 1B - Unresolved Staff Comments
18
N/A
Item 2 - Properties
19
N/A
Item 3 - Legal Proceedings
19
N/A
Item 4 - Mine Safety Disclosures
20
N/A
     
PART II
    
Item 5 - Market for Registrant's Common Equity, Related Stockholder
    
              Matters and Issuer Purchases of Equity Securities
20 - 22
N/A
Item 6 - Selected Financial Data
22
A-3
Item 7 - Management's Discussion and Analysis of Financial Condition and
    
              Results of Operations
22
A-4 - A-26
Item 7A - Quantitative and Qualitative Disclosures About Market Risk
23
A-25 - A-26
Item 8 - Financial Statements and Supplementary Data
23
A-27 - A-64
Item 9 - Changes in and Disagreements with Accountants on Accounting
    
            and Financial Disclosure
23
N/A
Item 9A - Controls and Procedures
23
N/A
Item 9B - Other Information
24
N/A
     
PART III
    
Item 10 - Directors and Executive Officers and Corporate Governance
24
A-65
Item 11 - Executive Compensation
24
20 - 27
Item 12 - Security Ownership of Certain Beneficial Owners and Management
    
              and Related Stockholder Matters
24 - 25
7 - 9
Item 13 - Certain Relationships and Related Transactions
    
              and Director Independence
25
27 - 28
Item 14 - Principal Accountant Fees and Services
25
28 - 29
     
PART IV
    
Item 15 - Exhibits and Financial Statement Schedules
26 - 29
N/A
     
Signatures
30
N/A
 
 
 
3
 
 
PART I

ITEM 1.        BUSINESS

General

Peoples Bancorp of North Carolina, Inc. (the “Company”), was formed in 1999 to serve as the holding company for Peoples Bank (the “Bank”).  The Company is a bank holding company registered with the Board of Governors of the Federal Reserve System (the “Federal Reserve”) under the Bank Holding Company Act of 1956, as amended (the “BHCA”).  The Company’s principal source of income is dividends declared and paid by the Bank on its capital stock, if any.  The Company has no operations and conducts no business of its own other than owning the Bank and Community Bank Real Estate Solutions, LLC (“CBRES”).  Accordingly, the discussion of the business which follows concerns the business conducted by the Bank, unless otherwise indicated.

The Bank, founded in 1912, is a state-chartered commercial bank serving the citizens and business interests of the Catawba Valley and surrounding communities through 22 banking offices, as of December 31, 2013, located in Lincolnton, Newton, Denver, Catawba, Conover, Maiden, Claremont, Hiddenite, Hickory, Charlotte, Monroe, Cornelius, Mooresville and Raleigh, North Carolina.  The Bank closed its Gateway office, which served as a satellite location of the Mooresville office, on February 14, 2014. The Bank also operates a loan production office in Denver, North Carolina.  At December 31, 2013, the Company had total assets of $1.0 billion, net loans of $607.5 million, deposits of $799.4 million, total securities of $302.9 million, and shareholders’ equity of $83.7 million.

The Bank operates four offices focused on the Latino population under the name Banco de la Gente (“Banco”).  These offices are operated as a division of the Bank.  Banco offers normal and customary banking services as are offered in the Bank’s other branches such as the taking of deposits and the making of loans and therefore is not considered a reportable segment of the Company.

The Bank has a diversified loan portfolio, with no foreign loans and few agricultural loans.  Real estate loans are predominately variable rate commercial property loans, which include residential development loans to commercial customers.  Commercial loans are spread throughout a variety of industries with no one particular industry or group of related industries accounting for a significant portion of the commercial loan portfolio.  The majority of the Bank’s deposit and loan customers are individuals and small to medium-sized businesses located in the Bank’s market area.  The Bank’s loan portfolio also includes Individual Taxpayer Identification Number (ITIN) mortgage loans generated thorough the Bank’s Banco offices.  Additional discussion of the Bank’s loan portfolio and sources of funds for loans can be found in “Management’s Discussion and Analysis of Financial Condition and Results of Operations” on pages A-4 through A-26 of the Annual Report, which is included in this Form 10-K as Exhibit (13).

The operations of the Bank and depository institutions in general are significantly influenced by general economic conditions and by related monetary and fiscal policies of depository institution regulatory agencies, including the Federal Reserve, the Federal Deposit Insurance Corporation (the “FDIC”) and the North Carolina Commissioner of Banks (the “Commissioner”).

The Company’s fiscal year ends December 31.  This Form 10-K is also being used as the Bank’s Annual Disclosure Statement under FDIC Regulations.  This Form 10-K has not been reviewed, or confirmed for accuracy or relevance by the FDIC.

At December 31, 2013, the Company employed 257 full-time employees and 34 part-time employees, which equated to 279 full-time equivalent employees.

Subsidiaries

The Bank is a subsidiary of the Company.  The Bank has two subsidiaries, Peoples Investment Services, Inc. and Real Estate Advisory Services, Inc.  Through a relationship with Raymond James Financial Services, Inc., Peoples Investment Services, Inc. provides the Bank’s customers access to investment counseling and non-deposit investment products such as stocks, bonds, mutual funds, tax deferred annuities, and related brokerage services.  Real Estate Advisory Services, Inc. provides real estate appraisal and real estate brokerage services.
 
 
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In June 2006, the Company formed a wholly owned Delaware statutory trust, PEBK Capital Trust II (“PEBK Trust II”), which issued $20.0 million of guaranteed preferred beneficial interests in the Company’s junior subordinated deferrable interest debentures.  All of the common securities of PEBK Trust II are owned by the Company.  The proceeds from the issuance of the common securities and the trust preferred securities were used by PEBK Trust II to purchase $20.6 million of junior subordinated debentures of the Company, which pay a floating rate equal to three-month LIBOR plus 163 basis points.  The proceeds received by the Company from the sale of the junior subordinated debentures were used in December 2006 to repay the trust preferred securities issued in December 2001 by PEBK Capital Trust, a wholly owned Delaware statutory trust of the Company, and for general purposes.  The debentures represent the sole asset of PEBK Trust II.  PEBK Trust II is not included in the consolidated financial statements.

The trust preferred securities issued by PEBK Trust II accrue and pay quarterly at a floating rate of three-month LIBOR plus 163 basis points.  The Company has guaranteed distributions and other payments due on the trust preferred securities to the extent PEBK Trust II does not have funds with which to make the distributions and other payments.  The net combined effect of the trust preferred securities transaction is that the Company is obligated to make the distributions and other payments required on the trust preferred securities.

These trust preferred securities are mandatorily redeemable upon maturity of the debentures on June 28, 2036, or upon earlier redemption as provided in the indenture.  The Company has the right to redeem the debentures purchased by PEBK Trust II, in whole or in part, which became effective on June 28, 2011.  As specified in the indenture, if the debentures are redeemed prior to maturity, the redemption price will be the principal amount plus any accrued but unpaid interest.

The Company established a new subsidiary, CBRES, in 2009. CBRES serves as a “clearing-house” for appraisal services for community banks.  Other banks are able to contract with CBRES to find and engage appropriate appraisal companies in the area where the property is located.  This type of service ensures that the appraisal process remains independent from the financing process within the bank.

Market Area

The Bank’s primary market consists of the communities in an approximate 50-mile radius around its headquarters office in Newton, North Carolina.  This area includes Catawba County, Alexander County, Lincoln County, Iredell County and portions of northeast Gaston County.  The Bank is located only 40 miles north of Charlotte, North Carolina and the Bank’s primary market area is and will continue to be significantly affected by its close proximity to this major metropolitan area.  The Bank has two Banco offices in Mecklenburg County, one Banco office in Union County and one Banco office in Wake County specifically designed to serve the growing Latino market.

Employment in the Bank’s primary market area is diversified among manufacturing, retail and wholesale trade, technology, services and utilities.  Catawba County’s largest employers include Catawba County Schools, Frye Regional Medical Center, Catawba Valley Medical Center, Merchant Distributors, Inc (wholesale food distributor), Catawba County, CommScope, Inc. (manufacturer of fiber optic cable and accessories), Corning Cable Systems (manufacturer of fiber optic cable and accessories), Ethan Allen (furniture manufacturer), HSM (manufacturing) and Advance Pierre Foods (restaurants and bakeries).

Competition

The Bank has operated in the Catawba Valley region for over 100 years and is the only financial institution headquartered in Newton.  Nevertheless, the Bank faces strong competition both in attracting deposits and making loans. Its most direct competition for deposits has historically come from other commercial banks, credit unions and brokerage firms located in its primary market area, including large financial institutions.  One national money center commercial bank is headquartered in Charlotte, North Carolina.  Based upon June 30, 2013 comparative data, the Bank had 23.38% of the deposits in Catawba County, placing it second in deposit size among a total of 12 banks with branch offices in Catawba County; 9.45% of the deposits in Lincoln County, placing it sixth in deposit size among a total of 10 banks with branch offices in Lincoln County; and 13.14% of the deposits in Alexander County, placing it fifth in deposit size among a total of seven banks with branch offices in Alexander County.

The Bank also faces additional significant competition for investors’ funds from short-term money market securities and other corporate and government securities.  The Bank’s core deposit base has grown principally due to economic growth in the Bank’s market area coupled with the implementation of new and competitive deposit products. The ability of the Bank to attract and retain deposits depends on its ability to generally provide a rate of return, liquidity and risk comparable to that offered by competing investment opportunities.
 
 
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The Bank experiences strong competition for loans from commercial banks and mortgage banking companies.  The Bank competes for loans primarily through the interest rates and loan fees it charges and the efficiency and quality of services it provides to borrowers.  Competition is increasing as a result of the continuing reduction of restrictions on the interstate operations of financial institutions.

  Supervision and Regulation

Bank holding companies and commercial banks are extensively regulated under both federal and state law.  The following is a brief summary of all material statutes and rules and regulations that affect or will affect the Company, the Bank and any subsidiaries.  Supervision, regulation and examination of the Company and the Bank by the regulatory agencies are intended primarily for the protection of depositors rather than shareholders of the Company.  Statutes and regulations which contain wide-ranging proposals for altering the structures, regulations and competitive relationship of financial institutions are introduced regularly.  The Company cannot predict whether or in what form any proposed statute or regulation will be adopted or the extent to which the business of the Company and the Bank may be affected by such statute or regulation.

General.  There are a number of obligations and restrictions imposed on bank holding companies and their depository institution subsidiaries by law and regulatory policy that are designed to minimize potential loss to the depositors of such depository institutions and the FDIC insurance funds in the event the depository institution becomes in danger of default or in default.  For example, to avoid receivership of an insured depository institution subsidiary, a bank holding company is required to guarantee the compliance of any insured depository institution subsidiary that may become “undercapitalized” with the terms of the capital restoration plan filed by such subsidiary with its appropriate federal banking agency up to the lesser of (i) an amount equal to 5% of the bank’s total assets at the time the bank became undercapitalized or (ii) the amount which is necessary (or would have been necessary) to bring the bank into compliance with all acceptable capital standards as of the time the bank fails to comply with such capital restoration plan. The Company, as a registered bank holding company, is subject to the regulation of the Federal Reserve.  Under a policy of the Federal Reserve with respect to bank holding company operations, a bank holding company is required to serve as a source of financial strength to its subsidiary depository institutions and to commit resources to support such institutions in circumstances where it might not do so absent such policy.  The Federal Reserve under the BHCA also has the authority to require a bank holding company to terminate any activity or to relinquish control of a nonbank subsidiary (other than a nonbank subsidiary of a bank) upon the Federal Reserve’s determination that such activity or control constitutes a serious risk to the financial soundness and stability of any bank subsidiary of the bank holding company.

In addition, insured depository institutions under common control are required to reimburse the FDIC for any loss suffered by its deposit insurance funds as a result of the default of a commonly controlled insured depository institution or for any assistance provided by the FDIC to a commonly controlled insured depository institution in danger of default.  The FDIC may decline to enforce the cross-guarantee provisions if it determines that a waiver is in the best interest of the deposit insurance funds.  The FDIC’s claim for damages is superior to claims of stockholders of the insured depository institution or its holding company but is subordinate to claims of depositors, secured creditors and holders of subordinated debt (other than affiliates) of the commonly controlled insured depository institutions.

As a result of the Company’s ownership of the Bank, the Company is also registered under the bank holding company laws of North Carolina.  Accordingly, the Company is also subject to regulation and supervision by the Commissioner.

Dodd-Frank Wall Street Reform and Consumer Protection Act (the “Dodd-Frank Act”). The Dodd-Frank Act significantly changed bank regulation and has affected the lending, investment, trading and operating activities of depository institutions and their holding companies.

The Dodd-Frank Act also created a new Consumer Financial Protection Bureau with extensive powers to supervise and enforce consumer protection laws. The Consumer Financial Protection Bureau has broad rule-making authority for a wide range of consumer protection laws that apply to all banks and savings institutions, including the authority to prohibit “unfair, deceptive or abusive” acts and practices. The Consumer Financial Protection Bureau also has examination and enforcement authority over all banks and savings institutions with more than $10 billion in assets. Banks and savings institutions with $10 billion or less in assets, such as the Bank, will continue to be examined by their applicable federal bank regulators. The Dodd-Frank Act also gave state attorneys general the ability to enforce applicable federal consumer protection laws.
 
 
6
 
 
The Dodd-Frank Act broadened the base for FDIC assessments for deposit insurance, permanently increased the maximum amount of deposit insurance to $250,000 per depositor. The legislation also, among other things, requires originators of certain securitized loans to retain a portion of the credit risk, stipulates regulatory rate-setting for certain debit card interchange fees, repealed restrictions on the payment of interest on commercial demand deposits and contains a number of reforms related to mortgage originations. The Dodd-Frank Act increased the ability of shareholders to influence boards of directors by requiring companies to give shareholders a non-binding vote on executive compensation and so-called “golden parachute” payments. The legislation also directed the Federal Reserve to promulgate rules prohibiting excessive compensation paid to company executives, regardless of whether the company is publicly traded or not. Many of the provisions of the Dodd-Frank Act are subject to delayed effective dates or require the implementing regulations and, therefore, their impact on our operations cannot be fully determined at this time. However, it is likely that the Dodd-Frank Act will increase the regulatory burden, compliance costs and interest expense for the Bank and Company.
 
Capital Adequacy Guidelines for Holding Companies.  The Federal Reserve has adopted capital adequacy guidelines for bank holding companies and banks that are members of the Federal Reserve System and have consolidated assets of $150 million or more.  Bank holding companies subject to the Federal Reserve’s capital adequacy guidelines are required to comply with the Federal Reserve’s risk-based capital guidelines. Under these regulations, the minimum ratio of total capital to risk-weighted assets is 8%.  At least half of the total capital is required to be “Tier I capital,” principally consisting of common stockholders’ equity, noncumulative perpetual preferred stock, and a limited amount of cumulative perpetual preferred stock, less certain goodwill items.  The remainder (“Tier II capital”) may consist of a limited amount of subordinated debt, certain hybrid capital instruments and other debt securities, perpetual preferred stock, and a limited amount of the general loan loss allowance.  In addition to the risk-based capital guidelines, the Federal Reserve has adopted a minimum Tier I capital (leverage) ratio, under which a bank holding company must maintain a minimum level of Tier I capital to average total consolidated assets of at least 3% in the case of a bank holding company which has the highest regulatory examination rating and is not contemplating significant growth or expansion.  All other bank holding companies are expected to maintain a Tier I capital (leverage) ratio of at least 1% to 2% above the stated minimum.  The Company exceeded all applicable capital adequacy guidelines as of December 31, 2013.  At December 31, 2013, the Company’s Tier I risk-based capital and total risk-based capital were 14.83% and 16.14%, respectively.
 
In July 2013, the Federal Reserve approved a new rule that implements the “Basel III” regulatory capital reforms and changes required by the Dodd-Frank Act. The final rule includes new risk-based capital and leverage ratios, which are effective January 1, 2015, and revise the definition of what constitutes “capital” for purposes of calculating those ratios. See “Capital Requirements for the Bank”, below.
 
Capital Requirements for the Bank.  As a North Carolina chartered, FDIC-insured commercial bank which is not a member of the Federal Reserve System, the Bank is subject to capital requirements imposed by the FDIC.  Under the FDIC's regulations, state nonmember banks that (a) receive the highest rating during the examination process and (b) are not anticipating or experiencing any significant growth, are required to maintain a minimum leverage ratio of 3% of total consolidated assets; all other banks are required to maintain a minimum ratio of 1% or 2% above the stated minimum, with a minimum leverage ratio of not less than 4%.  The Bank exceeded all applicable capital adequacy guidelines as of December 31, 2013.  At December 31, 2013, the Bank’s Tier I risk-based capital and total risk-based capital were 14.43% and 15.73%, respectively.
 
In July 2013, the Federal Reserve and the FDIC approved revisions to their capital adequacy guidelines and prompt corrective action rules that implement the revised standards of the Basel Committee on Banking Supervision, commonly called Basel III, and address relevant provisions of the Dodd-Frank Act. “Basel III” refers to two consultative documents released by the Basel Committee on Banking Supervision in December 2009, the rules text released in December 2010, and loss absorbency rules issued in January 2011, which include significant changes to bank capital, leverage and liquidity requirements.
 
 
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The rules include new risk-based capital and leverage ratios, which are effective January 1, 2015, and revise the definition of what constitutes “capital” for purposes of calculating those ratios. The new minimum capital level requirements applicable to the Company and the Bank will be: (i) a new common equity Tier 1 capital ratio of 4.5%; (ii) a Tier 1 capital ratio of 6% (increased from 4%); (iii) a total capital ratio of 8% (unchanged from current rules); and (iv) a Tier 1 leverage ratio of 4% for all institutions. The rules eliminate the inclusion of certain instruments, such as trust preferred securities, from Tier 1 capital. Instruments issued prior to May 19, 2010 will be grandfathered for companies with consolidated assets of $15 billion or less. The rules also establish a “capital conservation buffer” of 2.5% above the new regulatory minimum capital requirements, which must consist entirely of common equity Tier 1 capital and would result in the following minimum ratios: (i) a common equity Tier 1 capital ratio of 7.0%, (ii) a Tier 1 capital ratio of 8.5%, and (iii) a total capital ratio of 10.5%. The new capital conservation buffer requirement will be phased in beginning in January 2016 at 0.625% of risk-weighted assets and would increase by that amount each year until fully implemented in January 2019. An institution would be subject to limitations on paying dividends, engaging in share repurchases, and paying discretionary bonuses if its capital level falls below the buffer amount. These limitations would establish a maximum percentage of eligible retained income that could be utilized for such actions.
 
Dividend and Repurchase Limitations.  The Company must obtain Federal Reserve approval prior to repurchasing its common stock in excess of 10% of its net worth during any twelve-month period unless the Company (i) both before and after the redemption satisfies capital requirements for “well capitalized” state member banks; (ii) received a one or two rating in its last examination; and (iii) is not the subject of any unresolved supervisory issues.

Neither the Commissioner nor the FDIC have promulgated any regulations specifically limiting the right of the Company to pay dividends and repurchase shares.  However, the ability of the Company to pay dividends or repurchase shares may be dependent upon the Company’s receipt of dividends from the Bank.

Dividends may be paid by the Bank from undivided profits, which are determined by deducting and charging certain items against actual profits.  An insured depository institution, such as the Bank, is prohibited from making capital distributions, including the payment of dividends, if, after making such distribution, the institution would become “undercapitalized” (as such term is defined in the applicable law and regulations).

Deposit Insurance.  The Bank’s deposits are insured up to applicable limits by the Deposit Insurance Fund (“DIF”) of the FDIC. The Bank’s deposits, therefore, are subject to FDIC deposit insurance assessment.
 
On November 12, 2009, the FDIC amended its regulations requiring certain insured institutions to prepay their estimated quarterly risk-based assessments for the fourth quarter of 2009, and for all of 2010, 2011, and 2012. The Bank’s prepaid assessment for these periods was $5.0 million and was paid on December 30, 2009, along with its regular quarterly risk-based deposit insurance assessment for the third quarter of 2009. The prepayment has been treated as a prepaid expense on the books of the Bank, and recognized as an expense in the period for which the assessment is effective.  The FDIC issued refunds of any unused prepaid assessment credits in June 2013.  The Bank received a prepaid assessment refund of $1.2 million.

The Dodd-Frank Act permanently increases the maximum deposit insurance amount for banks, savings institutions and credit unions to $250,000 per depositor, and extended unlimited deposit insurance to non-interest bearing transaction accounts through December 31, 2012.  The Dodd-Frank Act also broadens the base for FDIC insurance assessments.  Assessments will now be based on the average consolidated total assets less tangible equity capital of a financial institution.  The Dodd-Frank Act requires the FDIC to increase the reserve ratio of the DIF from 1.15% to 1.35% of insured deposits by 2020 and eliminates the requirement that the FDIC pay dividends to insured depository institutions when the reserve ratio exceeds certain thresholds.  
 
Federal Home Loan Bank System.  The Federal Home Loan Bank (“FHLB”) system provides a central credit facility for member institutions. As a member of the FHLB of Atlanta, the Bank is required to own capital stock in the FHLB of Atlanta in an amount at least equal to 0.20% (or 20 basis points) of the Bank’s total assets at the end of each calendar year, plus 4.5% of its outstanding advances (borrowings) from the FHLB of Atlanta under the new activity-based stock ownership requirement.  On December 31, 2013, the Bank was in compliance with this requirement.

Community Reinvestment.  Under the Community Reinvestment Act (“CRA”), as implemented by regulations of the FDIC, an insured institution has a continuing and affirmative obligation consistent with its safe and sound operation to help meet the credit needs of its entire community, including low and moderate income neighborhoods. The CRA does not establish specific lending requirements or programs for financial institutions, nor does it limit an institution’s discretion to develop, consistent with the CRA, the types of products and services that it believes are best suited to its particular community. The CRA requires the federal banking regulators, in connection with their examinations of insured institutions, to assess the institutions’ records of meeting the credit needs of their communities, using the ratings of  “outstanding,” “satisfactory,” “needs to improve,” or “substantial noncompliance,” and to take that record into account in its evaluation of certain applications by those institutions. All institutions are required to make public disclosure of their CRA performance ratings. The Bank received a “satisfactory” rating in its last CRA examination, which was conducted during July 2010.
 
 
8
 
 
Prompt Corrective Action. The FDIC has broad powers to take corrective action to resolve the problems of insured depository institutions.  The extent of these powers will depend upon whether the institution in question is “well capitalized,” “adequately capitalized,” “undercapitalized,” “significantly undercapitalized,” or “critically undercapitalized.”  Under the regulations, an institution is considered: (A) “well capitalized” if it has (i) a total risk-based capital ratio of 10% or greater, (ii) a Tier I risk-based capital ratio of 6% or greater, (iii) a leverage ratio of 5% or greater and (iv) is not subject to any order or written directive to meet and maintain a specific capital level for any capital measure; (B) “adequately capitalized” if it has (i) a total risk-based capital ratio of 8% or greater, (ii) a Tier I risk-based capital ratio of 4% or greater and (iii) a leverage ratio of 4% or greater (or 3% or greater in the case of an institution with the highest examination rating); (C) “undercapitalized” if it has (i) a total risk-based capital ratio of less than 8%, (ii) a Tier I risk-based capital ratio of less than 4% or (iii) a leverage ratio of less than 4% (or 3% in the case of an institution with the highest examination rating); (D) “significantly undercapitalized” if it has (i) a total risk-based capital ratio of less than 6%, or (ii) a Tier I risk-based capital ratio of less than 3% or (iii) a leverage ratio of less than 3%; and (E) “critically undercapitalized” if the institution has a ratio of tangible equity to total assets equal to or less than 2%.  At December 31, 2013, the Bank has requisite capital levels to qualify as “well capitalized”.

Changes in Control.  The BHCA prohibits the Company from acquiring direct or indirect control of more than 5% of the outstanding voting stock or substantially all of the assets of any bank or savings bank or merging or consolidating with another bank holding company or savings bank holding company without prior approval of the Federal Reserve.  Similarly, Federal Reserve approval (or, in certain cases, non-disapproval) must be obtained prior to any person acquiring control of the Company.  Control is conclusively presumed to exist if, among other things, a person acquires more than 25% of any class of voting stock of the Company or controls in any manner the election of a majority of the directors of the Company.  Control is presumed to exist if a person acquires more than 10% of any class of voting stock and the stock is registered under Section 12 of the Securities Exchange Act of 1934, as amended from time to time (the “Exchange Act”), or the acquiror will be the largest shareholder after the acquisition.

Federal Securities Law.  The Company has registered its common stock with the Securities and Exchange Commission (“SEC”) pursuant to Section 12(g) of the Exchange Act.  As a result of such registration, the proxy and tender offer rules, insider trading reporting requirements, annual and periodic reporting and other requirements of the Exchange Act are applicable to the Company.

Transactions with Affiliates. Under current federal law, depository institutions are subject to the restrictions contained in Section 22(h) of the Federal Reserve Act with respect to loans to directors, executive officers and principal shareholders.  Under Section 22(h), loans to directors, executive officers and shareholders who own more than 10% of a depository institution (18% in the case of institutions located in an area with less than 30,000 in population), and certain affiliated entities of any of the foregoing, may not exceed, together with all other outstanding loans to such person and affiliated entities, the institution’s loans-to-one-borrower limit (as discussed below).  Section 22(h) also prohibits loans above amounts prescribed by the appropriate federal banking agency to directors, executive officers and shareholders who own more than 10% of an institution, and their respective affiliates, unless such loans are approved in advance by a majority of the board of directors of the institution.  Any “interested” director may not participate in the voting.  The FDIC has prescribed the loan amount (which includes all other outstanding loans to such person), as to which such prior board of director approval is required, as being the greater of $25,000 or 5% of capital and surplus (up to $500,000).  Further, pursuant to Section 22(h), the Federal Reserve requires that loans to directors, executive officers, and principal shareholders be made on terms substantially the same as offered in comparable transactions with non-executive employees of the Bank.  The FDIC has imposed additional limits on the amount a bank can loan to an executive officer.  

Loans to One Borrower. The Bank is subject to the Commissioner’s loans-to-one-borrower limits which are substantially the same as those applicable to national banks.  Under these limits, no loans and extensions of credit to any borrower outstanding at one time and not fully secured by readily marketable collateral shall exceed 15% of the Bank’s total equity capital.  At December 31, 2013, this limit was $15.1 million.    This limit is increased by an additional 10% of the Bank’s total equity capital, or $25.1 million as of December 31, 2013, for loans and extensions of credit that are fully secured by readily marketable collateral.

Gramm-Leach-Bliley Act.  The federal Gramm-Leach-Bliley Act (the “GLB Act”) dramatically changed various federal laws governing the banking, securities and insurance industries.  The GLB Act expanded opportunities for banks and bank holding companies to provide services and engage in other revenue-generating activities that previously were prohibited.  In doing so, it increased competition in the financial services industry, presenting greater opportunities for our larger competitors, which were more able to expand their service and products than smaller, community-oriented financial institutions, such as the Bank.
 
 
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USA Patriot Act of 2001.  The Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act (the “Patriot Act”) was enacted in response to the terrorist attacks that occurred in New York, Pennsylvania and Washington, D.C. on September 11, 2001.  The Patriot Act was intended to strengthen the ability of U.S. law enforcement and the intelligence community to work cohesively to combat terrorism on a variety of fronts.  The impact of the Patriot Act on financial institutions of all kinds has been significant and wide ranging.  The Patriot Act contains sweeping anti-money laundering and financial transparency laws and requires various regulations, including standards for verifying customer identification at account opening, and rules to promote cooperation among financial institutions, regulators, and law enforcement entities in identifying parties that may be involved in terrorism or money laundering.

Interstate Banking and Branching.  The BHCA was amended by the Interstate Banking Act.  The Interstate Banking Act provides that adequately capitalized and managed financial and bank holding companies are permitted to acquire banks in any state.

State law prohibiting interstate banking or discriminating against out-of-state banks are preempted.  States are not permitted to enact laws opting out of this provision; however, states are allowed to adopt a minimum age restriction requiring that target banks located within the state be in existence for a period of years, up to a maximum of five years, before a bank may be subject to the Interstate Banking Act.  The Interstate Banking Act, as amended by the Dodd-Frank Act, establishes deposit caps which prohibit acquisitions that result in the acquiring company controlling 30% or more of the deposits of insured banks and thrift institutions held in the state in which the target maintains a breach or 10% or more of the deposits nationwide.  States have the authority to waive the 30% deposit cap.  State-level deposit caps are not preempted as long as they do not discriminate against out-of-state companies, and the federal deposit caps apply only to initial entry acquisitions.

Under the Dodd-Frank Act, national banks and state banks are able to establish branches in any state if that state would permit the establishment of the branch by a state bank chartered in that state.  North Carolina law permits a state bank to establish a branch of the bank anywhere in the state.  Accordingly, under the Dodd-Frank Act, a bank with its headquarters outside the State of North Carolina may establish branches anywhere within North Carolina.

Sarbanes-Oxley Act of 2002.  The Sarbanes-Oxley Act of 2002 is federal legislation issued to address accounting, corporate governance and disclosure issues. The impact of the Sarbanes-Oxley Act has been wide-ranging as it applied to all public companies and imposed significant new requirements for public company governance and disclosure requirements.

In general, the Sarbanes-Oxley Act mandated important corporate governance and financial reporting requirements intended to enhance the accuracy and transparency of public companies’ reported financial results.  It established new responsibilities for corporate chief executive officers, chief financial officers and audit committees in the financial reporting process and created a new regulatory body to oversee auditors of public companies.  It backed these requirements with SEC enforcement tools, increased criminal penalties for federal mail, wire and securities fraud, and created new criminal penalties for document and record destruction in connection with federal investigations.  It also increased the opportunity for more private litigation by lengthening the statute of limitations for securities fraud claims and provided federal corporate whistleblower protection.

The economic and operational effects of this legislation on public companies, including us, have been significant in terms of the time, resources and costs associated with complying with the law.

Government Monetary Policies and Economic Controls.  Our earnings and growth, as well as the earnings and growth of the banking industry, are affected by the credit policies of monetary authorities, including the Federal Reserve. An important function of the Federal Reserve is to regulate the national supply of bank credit in order to combat recession and curb inflationary pressures. Among the instruments of monetary policy used by the Federal Reserve to implement these objectives are open market operations in U.S. government securities, changes in reserve requirements against member bank deposits, and changes in the Federal Reserve discount rate. These means are used in varying combinations to influence overall growth of bank loans, investments, and deposits, and may also affect interest rates charged on loans or paid for deposits. The monetary policies of the Federal Reserve authorities have had a significant effect on the operating results of commercial banks in the past and are expected to continue to have such an effect in the future.
 
 
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In view of changing conditions in the national economy and in money markets, as well as the effect of credit policies by monetary and fiscal authorities, including the Federal Reserve, no prediction can be made as to possible future changes in interest rates, deposit levels, and loan demand, or their effect on our business and earnings or on the financial condition of our various customers.
 
Limits on Rates Paid on Deposits and Brokered Deposits.  FDIC regulations limit the ability of insured depository institutions to accept, renew or roll-over deposits by offering rates of interest which are significantly higher than the prevailing rates of interest on deposits offered by other insured depository institutions having the same type of charter in such depository institution’s normal market area.  Under these regulations, “well capitalized” depository institutions may accept, renew or roll-over such deposits without restriction, “adequately capitalized” depository institutions may accept, renew or roll-over such deposits with a waiver from the FDIC (subject to certain restrictions on payments of rates) and “undercapitalized” depository institutions may not accept, renew, or roll-over such deposits. Definitions of “well capitalized,” “adequately capitalized” and “undercapitalized” are the same as the definitions adopted by the FDIC to implement the prompt corrective action provisions discussed above.
 
Other.  Additional regulations require annual examinations of all insured depository institutions by the appropriate federal banking agency, with some exceptions for small, well-capitalized institutions and state chartered institutions examined by state regulators.  Additional regulations also establish operational and managerial, asset quality, earnings and stock valuation standards for insured depository institutions, as well as compensation standards.

The Bank is subject to examination by the FDIC and the Commissioner.  In addition, the Bank is subject to various other state and federal laws and regulations, including state usury laws, laws relating to fiduciaries, consumer credit and equal credit, fair credit reporting laws and laws relating to branch banking.  The Bank, as an insured North Carolina commercial bank, is prohibited from engaging as a principal in activities that are not permitted for national banks, unless (i) the FDIC determines that the activity would pose no significant risk to the appropriate deposit insurance fund and (ii) the Bank is, and continues to be, in compliance with all applicable capital standards.
 
Future Requirements. Statutes and regulations, which contain wide-ranging proposals for altering the structures, regulations and competitive relationships of financial institutions, are introduced regularly.  Neither the Company nor the Bank can predict whether or what form any proposed statute or regulation will be adopted or the extent to which the business of the Company or the Bank may be affected by such statute or regulation.

ITEM 1A.       RISK FACTORS

The following are potential risks that management considers material and that could affect the future operating results and financial condition of the Bank and the Company.  The risks are not listed in any particular order of importance, and there is the potential that there are other risks that have either not been identified or that management believed to be immaterial but which could in fact adversely affect the Bank’s operating results and financial condition.

Our business has been and may continue to be adversely affected by current conditions in the financial markets and economic conditions generally.
The global, U.S. and North Carolina economies, have not fully recovered from disruptions in the capital and credit markets that first occurred during 2008. Since 2008, dramatic declines in the housing market, with falling home prices and increasing foreclosures and unemployment, have resulted in significant write-downs of asset values by financial institutions, including government-sponsored entities and major commercial and investment banks. A sustained weakness or weakening in business and economic conditions generally or specifically in the principal markets in which we do business could have one or more of the following adverse effects on our business: 

 
•
a decrease in the demand for loans or other products and services offered by us;
 
•
a decrease in the value of our loans or other assets secured by consumer or commercial real estate;
 
•
a decrease in deposit balances due to overall reductions in the accounts of customers;
 
•
an impairment of certain intangible assets or investment securities;
 
•
a decreased ability to raise additional capital on terms acceptable to us or at all; or
 
•
an increase in the number of borrowers who become delinquent, file for protection under bankruptcy laws or default on their loans or other obligations to us. An increase in the number of delinquencies, bankruptcies or defaults could result in a higher level of nonperforming assets, net charge-offs and provision for credit losses, which would reduce our earnings.
 
Until the local economy fully recovers, we expect our business, financial condition and results of operations to continue to be negatively impacted.
 
 
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Financial reform legislation enacted by Congress and resulting regulations have increased, and are expected to continue to increase our costs of operations.
Congress enacted the Dodd-Frank Act in 2010. This law has significantly changed the structure of the bank regulatory system and affects the lending, deposit, investment, trading and operating activities of financial institutions and their holding companies. The Dodd-Frank Act requires various federal agencies to adopt a broad range of new implementing rules and regulations, and to prepare numerous studies and reports for Congress. The federal agencies are given significant discretion in drafting the implementing rules and regulations.  Although some of these regulations have been promulgated, many additional regulations are expected to be issued in 2014 and thereafter. Consequently, many of the details and much of the impact of the Dodd-Frank Act may not be known for many years.

Certain provisions of the Dodd-Frank Act are having an effect on us. For example, a provision eliminates the federal prohibitions on paying interest on demand deposits, thus allowing businesses to have interest-bearing checking accounts. Although not currently quantifiable, this significant change to existing law could have an adverse effect on our interest expense.
 
The Dodd-Frank Act requires publicly traded companies to give stockholders a non-binding vote on executive compensation and so-called “golden parachute” payments, and authorizes the SEC to promulgate rules that would allow stockholders to nominate their own candidates using a company’s proxy materials. The legislation also directs the Federal Reserve to promulgate rules prohibiting excessive compensation paid to bank holding company executives, regardless of whether the company is publicly traded or not.
 
The Dodd-Frank Act created the Consumer Financial Protection Bureau with broad powers to supervise and enforce consumer protection laws. The Bureau has broad rule-making authority for a wide range of consumer protection laws that apply to all banks and savings institutions, including the authority to prohibit “unfair, deceptive or abusive” acts and practices. It also has examination and enforcement authority over all banks and savings institutions with more than $10 billion in assets. Banks and savings institutions with $10 billion or less in assets will be examined by their applicable bank regulators. The Dodd-Frank Act also weakens the federal preemption rules that have been applicable for national banks and federal savings associations, and gives state attorneys general the ability to enforce federal consumer protection laws.
 
It is difficult to quantify what specific impact the Dodd-Frank Act and related regulations have had on the Company to date and what impact yet to be written regulations will have on us in the future. However, it is expected that at a minimum they will increase our operating and compliance costs and could increase our interest expense.
 
Increases in FDIC insurance premiums may adversely affect our net income and profitability.
Since 2008, higher levels of bank failures have dramatically increased resolution costs of the FDIC and depleted the DIF. In order to maintain a strong funding position and restore reserve ratios of the DIF, the FDIC has increased assessment rates of insured institutions. In addition, on November 12, 2009, the FDIC adopted a rule requiring banks to prepay three years’ worth of estimated deposit insurance premiums by December 31, 2009.  The Company is generally unable to control the amount of premiums that the Bank is required to pay for FDIC insurance. If there are additional bank or financial institution failures, or the cost of resolving prior failures exceeds expectations, the Bank may be required to pay higher FDIC premiums than those currently in force. Any future increases or required prepayments of FDIC insurance premiums may adversely impact the Company’s earnings and financial condition.
 
Market developments may adversely affect our industry, business and results of operations.
Significant declines in the housing market, with falling home prices and increasing foreclosures and unemployment, have resulted in significant write-downs of asset values by many financial institutions, including government-sponsored entities and major commercial and investment banks. These write-downs, initially of mortgage-backed securities but spreading to credit default swaps and other derivative securities, caused many financial institutions to seek additional capital, to merge with larger and stronger institutions and, in some cases, to fail. As a consequence, the Company has experienced significant challenges, its credit quality deteriorated and its net income and results of operations were adversely impacted. Reflecting concern about the stability of the financial markets generally and the strength of counterparties, many lenders and institutional investors have reduced, and in some cases, ceased to provide funding to borrowers including other financial institutions. Although to date the Company and the Bank remain “well capitalized,” we are part of the financial system and a systemic lack of available credit, a lack of confidence in the financial sector, increased volatility in the financial markets and/or reduced business activity could materially adversely affect our business, financial condition and results of operations.
 
 
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Loss of key personnel could adversely impact results.
The success of the Bank has been and will continue to be greatly influenced by the ability to retain the services of existing senior management.  The Bank has benefited from consistency within its senior management team, with its top five executives averaging over 20 years of service with the Bank.  The Company has entered into employment contracts with each of these top management officials.  Nevertheless, the unexpected loss of the services of any of the key management personnel, or the inability to recruit and retain qualified personnel in the future, could have an adverse impact on the business and financial results of the Bank.

A significant amount of the Bank’s business is concentrated in lending which is secured by property located in the Catawba Valley and surrounding areas.
In addition to the financial strength and cash flow characteristics of the borrower in each case, the Bank often secures its loans with real estate collateral. The real estate collateral in each case provides an alternate source of repayment in the event of default by the borrower and may deteriorate in value during the time the credit is extended. If the Bank is required to liquidate the collateral securing a loan during a period of reduced real estate values, as is currently the case, to satisfy the debt, the Bank’s earnings and capital could be adversely affected.

Additionally, with most of the Bank’s loans concentrated in the Catawba Valley and surrounding areas, a decline in local economic conditions could adversely affect the values of the Bank’s real estate collateral. Consequently, a decline in local economic conditions may have a greater effect on the Bank’s earnings and capital than on the earnings and capital of larger financial institutions whose real estate loan portfolios are geographically diverse.

Our allowance for loan losses may be insufficient and could therefore reduce earnings.
The risk of credit losses on loans varies with, among other things, general economic conditions, the creditworthiness of the borrower over the term of the loan and, in the case of a collateralized loan, the value and marketability of the collateral for the loan. Management maintains an allowance for loan losses based upon, among other things, historical experience, an evaluation of economic conditions and regular reviews of delinquencies and loan portfolio quality. Management believes it has established the allowance in accordance with U.S. Generally Accepted Accounting Principles (“GAAP”) and in consideration of the current economic environment. Although management uses the best information available to make evaluations, significant future additions to the allowance may be necessary based on changes in economic and other conditions, thus adversely affecting the operating results of the Company. If management’s assumptions and judgments prove to be incorrect and the allowance for loan losses is inadequate to absorb future losses, or if the bank regulatory authorities require the Bank to increase the allowance for loan losses as a part of their examination process, the Bank’s earnings and capital could be significantly and adversely affected.  For further discussion related to our process for determining the appropriate level of the allowance for loan losses, see “Allowance for Loan Losses” within “Item 7. Management’s Discussion and Analysis of Financial Condition and Results and Operation” of this Annual Report, which is included in this Form 10-K as Exhibit (13).

Changes in interest rates affect profitability and assets.
Changes in prevailing interest rates may hurt the Bank’s business. The Bank derives its income primarily from the difference or “spread” between the interest earned on loans, securities and other interest-earning assets, and interest paid on deposits, borrowings and other interest-bearing liabilities. In general, the larger the spread, the more the Bank earns. When market rates of interest change, the interest the Bank receives on its assets and the interest the Bank pays on its liabilities will fluctuate. This can cause decreases in the “spread” and can adversely affect the Bank’s income. Changes in market interest rates could reduce the value of the Bank’s financial assets. Fixed-rate investments, mortgage-backed and related securities and mortgage loans generally decrease in value as interest rates rise. In addition, interest rates affect how much money the Bank lends. For example, when interest rates rise, the cost of borrowing increases and the loan originations tend to decrease. If the Bank is unsuccessful in managing the effects of changes in interest rates, the financial condition and results of operations could suffer.

We measure interest rate risk under various rate scenarios using specific criteria and assumptions. A summary of this process, along with the results of our net interest income simulations, is presented within “Item 7A. Quantitative and Qualitative Disclosures About Market Risk” of this Annual Report which is included in this Form 10-K as Exhibit (13).
 
 
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The Bank faces strong competition from other banks and financial institutions which can hurt its business.
The financial services industry is highly competitive.  The Bank competes against commercial banks, savings banks, savings and loan associations, credit unions, mortgage banks, brokerage firms, investment advisory firms, insurance companies and other financial institutions. Many of these entities are larger organizations with significantly greater financial, management and other resources than the Bank has.  Moreover, one national money center commercial bank is headquartered in Charlotte, North Carolina, only 40 miles from the Bank’s primary market area.

While management believes it can and does successfully compete with other financial institutions in our market, we may face a competitive disadvantage as a result of our smaller size and lack of geographic diversification.

Changes in technology may impact the Bank’s business.
The Bank uses various technologies in its business and the banking industry is undergoing rapid technological changes.  The effective use of technology increases efficiency and enables financial institutions to reduce costs.  The Bank’s future success will depend in part on its ability to address the needs of its customers by using technology to provide products and services that will satisfy customer demands for convenience as well as create additional efficiencies in the Bank’s operations.  The Bank’s competitors may have substantially greater resources to invest in technological improvements.

We may be subject to examinations by taxing authorities which could adversely affect our results of operations.
In the normal course of business, we may be subject to examinations from federal and state taxing authorities regarding the amount of taxes due in connection with investments we have made and the businesses in which we are engaged. Recently, federal and state taxing authorities have become increasingly aggressive in challenging tax positions taken by financial institutions. The challenges made by taxing authorities may result in adjustments to the timing or amount of taxable income or deductions or the allocation of income among tax jurisdictions. If any such challenges are made and are not resolved in our favor, they could have an adverse effect on our financial condition and results of operations.

Changes in our accounting policies or in accounting standards could materially affect how we report our financial results and condition.
Our accounting policies are fundamental to understanding our financial results and condition. Some of these policies require use of estimates and assumptions that may affect the value of our assets or liabilities and financial results. Some of our accounting policies are critical because they require management to make difficult, subjective and complex judgments about matters that are inherently uncertain and because it is likely that materially different amounts would be reported under different conditions or using different assumptions.

From time to time the Financial Accounting Standards Board (“FASB”) and the SEC change the financial accounting and reporting standards or the interpretation of those standards that govern the preparation of our external financial statements. These changes are beyond our control, can be hard to predict and could materially impact how we report our results of operations and financial condition. We could be required to apply a new or revised standard retroactively, resulting in our restating prior period financial statements in material amounts.

Our internal controls may be ineffective.
Management regularly reviews and updates our internal controls, disclosure controls and procedures, and corporate governance policies and procedures. Any system of controls, however well designed and operated, is based in part on certain assumptions and can provide only reasonable, not absolute, assurances that the objectives of the system are met. Any failure or circumvention of our controls and procedures or failure to comply with regulations related to controls and procedures could have a material adverse effect on our business, results of operations, and financial condition.
 
Impairment of investment securities or deferred tax assets could require charges to earnings, which could result in a negative impact on our results of operations.
In assessing the impairment of investment securities, management considers the length of time and extent to which the fair value has been less than cost, the financial condition and near-term prospects of the issues, and the intent and ability of the Company to retain its investment in the issuer for a period of time sufficient to allow for any anticipated recovery of fair value in the near term. In assessing the future ability of the Company to realize the deferred tax assets, management considers whether it is more likely than not that some portion or all of the deferred tax assets will not be realized. The ultimate realization of deferred tax assets is dependent upon the generation of future taxable income during the periods in which those temporary differences become deductible. The impact of each of these impairment matters could have a material adverse effect on our business, results of operations, and financial condition.
 
 
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We rely on other companies to provide key components of our business infrastructure.
Third party vendors provide key components of our business infrastructure such as internet connections, network access and core application processing. While we have selected these third party vendors carefully, we do not control their actions. Any problems caused by these third parties, including as a result of their not providing us their services for any reason or their performing their services poorly, could adversely affect our ability to deliver products and services to our customers and otherwise to conduct our business. Replacing these third party vendors could also entail significant delay and expense.

Our information systems may experience an interruption or breach in security.
We rely heavily on communications and information systems to conduct our business. Any failure, interruption, or breach in security or operational integrity of these systems could result in failures or disruptions in our customer relationship management, general ledger, deposit, loan, and other systems. We have policies and procedures designed with the intention to prevent or limit the effect of the failure, interruption, or security breach of our information systems. The occurrence of any failures, interruptions, or security breaches of our information systems could damage our reputation, result in a loss of customer business, subject us to additional regulatory scrutiny, or expose us to civil litigation and possible financial liability, any of which could have a material adverse effect on our financial condition, results of operations and business.

Liquidity is essential to our businesses.
Our liquidity could be impaired by an inability to access the capital markets or unforeseen outflows of cash. This situation may arise due to circumstances that we may be unable to control, such as a general market disruption or an operational problem that affects third parties or us. Our credit ratings are important to our liquidity. A reduction in our credit ratings could adversely affect our liquidity and competitive position, increase our borrowing costs, limit our access to the capital markets or trigger unfavorable contractual obligations.

Negative publicity could damage our reputation
Reputation risk, or the risk to our earnings and capital from negative public opinion, is inherent in our business. Negative public opinion could adversely affect our ability to keep and attract customers and expose us to adverse legal and regulatory consequences. Negative public opinion could result from our actual or alleged conduct in any number of activities, including lending practices, corporate governance, regulatory compliance, mergers and acquisitions, and disclosure, sharing or inadequate protection of customer information, and from actions taken by government regulators and community organizations in response to that conduct.

Financial services companies depend on the accuracy and completeness of information about customers and counterparties.
In deciding whether to extend credit or enter into other transactions, we may rely on information furnished by or on behalf of customers and counterparties, including financial statements, credit reports, and other financial information. We may also rely on representations of those customers, counterparties, or other third parties, such as independent auditors, as to the accuracy and completeness of that information. Reliance on inaccurate or misleading financial statements, financial advisors and consultants, credit reports, or other financial information could cause us to enter into unfavorable transactions, which could have a material adverse effect on our financial condition and results of operations.

If our non-performing assets increase, our earnings will suffer.
Our non-performing assets adversely affect our net income in various ways.  We do not record interest income on non-accrual loans or real estate owned.  We must reserve for probable losses, which is established through a current period charge to the provision for loan losses as well as from time to time, as appropriate, the write down of the value of properties in our other real estate owned portfolio to reflect changing market values.  Additionally, there are legal fees associated with the resolution of problem assets as well as carrying costs such as taxes, insurance and maintenance related to our other real estate owned.  Further, the resolution of non-performing assets requires the active involvement of management, which can distract them from more profitable activity.  Finally, if our estimate for the recorded allowance for loan losses proves to be incorrect and our allowance is inadequate, we will have to increase the allowance accordingly.
 
 
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Our loan portfolio includes loans with a higher risk of loss.
We originate commercial real estate loans, commercial loans, construction and land development loans, and residential mortgage loans primarily within our market area.  Commercial real estate, commercial, and construction and land development loans tend to involve larger loan balances to a single borrower or groups of related borrowers and are most susceptible to a risk of loss during a downturn in the business cycle.  These loans also have historically had greater credit risk than other loans for the following reasons:

·  
Commercial Real Estate Loans.  Repayment is dependent on income being generated in amounts sufficient to cover operating expenses and debt service.  These loans also involve greater risk because they are generally not fully amortizing over a loan period, but rather have a balloon payment due at maturity.  A borrower’s ability to make a balloon payment typically will depend on being able to either refinance the loan or timely sell the underlying property.  As of December 31, 2013, commercial real estate loans comprised approximately 34% of the Bank’s total loan portfolio.

·  
Commercial Loans.  Repayment is generally dependent upon the successful operation of the borrower’s business.  In addition, the collateral securing the loans may depreciate over time, be difficult to appraise, be illiquid, or fluctuate in value based on the success of the business.  As of December 31, 2013, commercial loans comprised approximately 11% of the Bank’s total loan portfolio.

·  
Construction and land development loans. The risk of loss is largely dependent on our initial estimate of whether the property’s value at completion equals or exceeds the cost of property construction and the availability of take-out financing.  During the construction phase, a number of factors can result in delays or cost overruns.  If our estimate is inaccurate or if actual construction costs exceed estimates, the value of the property securing our loan may be insufficient to ensure full repayment when completed through a permanent loan, sale of the property, or by seizure of collateral.  As of December 31, 2013, construction and land development loans comprised approximately 10% of the Bank’s total loan portfolio.

·  
Single-family residential loans.  Declining home sales volumes, decreased real estate values and higher than normal levels of unemployment could contribute to losses on these loans.  As of December 31, 2013, single-family residential loans comprised approximately 40% of the Bank’s total loan portfolio, including Banco de la Gente single-family residential stated income loans which were approximately 8% of the Bank’s total loan portfolio.

Because we engage in lending secured by real estate and may be forced to foreclose on the collateral property and own the underlying real estate, we may be subject to the increased costs associated with the ownership of real property, which could result in reduced net income.
Since we originate loans secured by real estate, we may have to foreclose on the collateral property to protect our investment and may thereafter own and operate such property, in which case we are exposed to the risks inherent in the ownership of real estate.

The amount that we, as a mortgagee, may realize after a default is dependent upon factors outside of our control, including, but not limited to:
·  
general or local economic conditions;
·  
environmental cleanup liability;
·  
neighborhood values;
·  
interest rates;
·  
real estate tax rates;
·  
operating expenses of the mortgaged properties;
·  
supply of and demand for rental units or properties;
·  
ability to obtain and maintain adequate occupancy of the properties;
·  
zoning laws;
·  
governmental rules, regulations and fiscal policies; and
·  
acts of God.

Certain expenditures associated with the ownership of real estate, principally real estate taxes and maintenance costs, may adversely affect the income from the real estate.  Therefore, the cost of operating real property may exceed the rental income earned from such property, and we may have to advance funds in order to protect our investment or we may be required to dispose of the real property at a loss.
 
 
16
 
 
We are subject to extensive regulation and oversight, and, depending upon the findings and determinations of our regulatory authorities, we may be required to make adjustments to our business, operations or financial position and could become subject to formal or informal regulatory action.
We are subject to extensive regulation and supervision, including examination by federal and state banking regulators. Federal and state regulators have the ability to impose substantial sanctions, restrictions and requirements on us if they determine, upon conclusion of their examination or otherwise, violations of laws with which we must comply or weaknesses or failures with respect to general standards of safety and soundness, including, for example, in respect of any financial concerns that the regulators may identify and desire for us to address. Such enforcement may be formal or informal and can include directors’ resolutions, memoranda of understanding, consent orders, civil money penalties and termination of deposit insurance and bank closure. Enforcement actions may be taken regardless of the capital levels of the institutions, and regardless of prior examination findings. In particular, institutions that are not sufficiently capitalized in accordance with regulatory standards may also face capital directives or prompt corrective actions. Enforcement actions may require certain corrective steps (including staff additions or changes), impose limits on activities (such as lending, deposit taking, acquisitions, paying dividends or branching), prescribe lending parameters (such as loan types, volumes and terms) and require additional capital to be raised, any of which could adversely affect our financial condition and results of operations. The imposition of regulatory sanctions, including monetary penalties, may have a material impact on our financial condition and results of operations and/or damage our reputation. In addition, compliance with any such action could distract management’s attention from our operations, cause us to incur significant expenses, restrict us from engaging in potentially profitable activities and limit our ability to raise capital.
 
We will become subject to more stringent capital requirements, which may adversely impact our return on equity, require us to raise additional capital, or constrain us from paying dividends or repurchasing shares.
 
 In July 2013, the Federal Reserve and the FDIC approved new rules that will substantially amend the regulatory risk-based capital rules applicable to the Bank. The final rule implements the “Basel III” regulatory capital reforms and changes required by the Dodd-Frank Act.
 
The final rule includes new minimum risk-based capital and leverage ratios, which will be effective for the Bank and the Company on January 1, 2015, and revises the definition of what constitutes “capital” for purposes of calculating those ratios.  The new minimum capital requirements will be: (i) a new common equity tier 1 capital ratio of 4.5%; (ii) a tier 1 to risk-based assets capital ratio of 6% (increased from 4%); (iii) a total capital ratio of 8% (unchanged from current rules); and (iv) a tier 1 leverage ratio of 4%. These rules also establish a “capital conservation buffer” of 2.5%, and will result in the following minimum ratios: (i) a common equity tier 1 capital ratio of 7.0%, (ii) a tier 1 to risk-based assets capital ratio of 8.5%, and (iii) a total capital ratio of 10.5%. The new capital conservation buffer requirement would be phased in beginning in January 2016 at 0.625% of risk-weighted assets and would increase each year until fully implemented in January 2019. An institution will be subject to limitations on paying dividends, engaging in share repurchases, and paying discretionary bonuses if its capital level falls below the buffer amount. These limitations will establish a maximum percentage of eligible retained income that can be utilized for such actions.
 
The application of more stringent capital requirements for the Bank could, among other things, result in lower returns on equity, require the raising of additional capital, and result in regulatory actions constraining us from paying dividends or repurchasing shares if we were to be unable to comply with such requirements.
 
The trading volume in our common stock is less than that of larger public companies which can cause price volatility.
 
The trading history of our common stock has been characterized by relatively low trading volume. The value of a shareholder’s investment may be subject to sudden decreases due to the volatility of the price of our common stock, which trades on the NASDAQ Global Market.
 
The market price of our common stock may be volatile and subject to fluctuations in response to numerous factors, including, but not limited to, the factors discussed in other risk factors and the following:

·  
actual or anticipated fluctuation in our operating results;
·  
changes in interest rates;
·  
changes in the legal or regulatory environment in which we operate;
·  
press releases, announcements or publicity relating to us or our competitors or relating to trends in our industry;
·  
changes in expectations as to our future financial performance, including financial estimates or recommendations by securities analysts and investors;
·  
future sales of our common stock;
·  
changes in economic conditions in our market, general conditions in the U.S. economy, financial markets or the banking industry; and
·  
other developments affecting our competitors or us.
 
 
 
17
 
 
These factors may adversely affect the trading price of our common stock, regardless of our actual operating performance, and could prevent a shareholder from selling common stock at or above the current market price.  In addition, the Company cannot say with any certainty that a more active and liquid trading market for its common stock will develop.

Our stock price can be volatile.
 Stock price volatility may make it more difficult for you to resell your common stock when you want and at prices you find attractive.  Our stock price can fluctuate significantly in response to a variety of factors including, among other things:
·  
actual or anticipated variations in quarterly results of operations;
·  
recommendations by securities analysts;
·  
operating results and stock price performance of other companies that investors deem comparable to us;
·  
news reports relating to trends, concerns, and other issues in the financial services industry;
·  
perceptions in the marketplace regarding us and/or our competitors;
·  
new technology used or services offered by competitors;
·  
significant acquisitions or business combinations, strategic partnerships, joint ventures, or capital commitments by or involving us or our competitors; and
·  
changes in government regulations.

Our common stock is not FDIC insured.
 The Company’s common stock is not a savings or deposit account or other obligation of any bank and is not insured by the FDIC or any other governmental agency and is subject to investment risk, including the possible loss of principal.  Investment in our common stock is inherently risky for the reasons described in this “Risk Factors” section and elsewhere in this report and is subject to the same market forces that affect the price of common stock in any company.  As a result, holders of our common stock may lose some or all of their investment.

We may reduce or eliminate dividends on our common stock.
Although we have historically paid a quarterly cash dividend to the holders of our common stock, holders of our common stock are not entitled to receive dividends.  Downturns in the domestic and global economies could cause our Board of Directors to consider, among other things, reducing or eliminating dividends paid on our common stock.  This could adversely affect the market price of our common stock.  Furthermore, as a bank holding company, our ability to pay dividends is subject to the guidelines of the Federal Reserve regarding capital adequacy and dividends before declaring or paying any dividends.  Dividends also may be limited as a result of safety and soundness considerations.

Our articles of incorporation, as amended, amended and restated bylaws, and certain banking laws may have an anti-takeover effect.
Provisions of our articles of incorporation, as amended, amended and restated bylaws, and federal banking laws, including regulatory approval requirements, could make it more difficult for a third party to acquire us, even if doing so would be perceived to be beneficial to our shareholders.   The combination of these provisions may prohibit a non-negotiated merger or other business combination, which, in turn, could adversely affect the market price of our common stock.

ITEM 1B.       UNRESOLVED STAFF COMMENTS

Not applicable.
 
 
 
18
 
 
ITEM 2.          PROPERTIES

At December 31, 2013, the Company and the Bank conducted their business from the headquarters office in Newton, North Carolina, its Banco administrative office and its 22 other branch offices in Lincolnton, Hickory, Newton, Catawba, Conover, Claremont, Maiden, Denver, Triangle, Hiddenite, Charlotte, Monroe, Cornelius, Mooresville and Raleigh, North Carolina.  The Bank also operates a loan production office in Denver, North Carolina.  The following table sets forth certain information regarding the Bank’s properties at December 31, 2013.
 
 
Owned
Corporate Office
518 West C Street
Newton, North Carolina  28658
 
420 West A Street
Newton, North Carolina 28658
 
2619 North Main Avenue
Newton, North Carolina  28658
 
213 1st Street, West
Conover, North Carolina  28613
 
3261 East Main Street
Claremont, North Carolina  28610
 
6125 Highway 16 South
Denver, North Carolina  28037
 
5153 N.C. Highway 90E
Hiddenite, North Carolina  28636
 
200 Island Ford Road
Maiden, North Carolina  28650
 
3310 Springs Road NE
Hickory, North Carolina  28601
 
142 South Highway 16
Denver, North Carolina  28037
 
106 North Main Street
Catawba, North Carolina 28609
 
2050 Catawba Valley Boulevard
Hickory, North Carolina  28601
 
800 E. Arrowood Road
Charlotte, NC  28217
 
1074 River Highway
Mooresville, NC, 28117
 
 
Leased
1333 2nd Street NE
Hickory, North Carolina  28601
 
1910 East Main Street
Lincolnton, North Carolina  28092
 
760 Highway 27 West
Lincolnton, North Carolina 28092
 
102 Leonard Avenue
Newton, North Carolina 28658
 
6300 South Boulevard
Suite 100
Charlotte, North Carolina 28217
 
4451 Central Avenue
Suite A
Charlotte, North Carolina  28205
 
3752/3754 Highway 16 North
Denver, North Carolina  28037
 
501 West Roosevelt Boulevard
Monroe, NC  28110
 
9624-I Bailey Road
Cornelius, North Carolina  28031
 
4011 Capital Boulevard
Raleigh, NC  27604
 
125-E Trade Court  (closed 2/14/14)
Mooresville, NC 28117
 
ITEM 3.
LEGAL PROCEEDINGS

 On April 2, 2013, the Bank received notice that a lawsuit was filed against it in the General Court of Justice, Superior Court Division, Lincoln County, North Carolina. The complaint alleges (i) breach of contract and the covenants of good faith and fair dealing by the Bank, (ii) conversion, (iii) unjust enrichment and (iv) violations of the North Carolina Unfair and Deceptive Trade Practices Act in its assessment and collection of overdraft fees. It seeks the refund of overdraft fees, treble damages, attorneys’ fees and injunctive relief. The Plaintiff seeks to have the lawsuit certified as a class action.  The Bank believes that the allegations in the complaint are without merit and intends to vigorously defend the lawsuit, including the request that the lawsuit be certified as a class action.  On June 6, 2013, the Bank filed a motion for judgment on the pleadings, which was heard in the North Carolina Business Court on October 1, 2013.  The Court has not ruled on that motion as of March 20, 2014.
 
 
19
 
 
 
ITEM 4.
MINE SAFETY DISCLOSURES

Not applicable.
 
PART II

ITEM 5.
MARKET FOR REGISTRANT'S COMMON EQUITY, RELATED STOCKHOLDER MATTERS AND ISSUER PURCHASES OF EQUITY SECURITIES

The Company’s common stock is listed on the NASDAQ Global Market, under the symbol “PEBK.”  Market makers for the Company’s shares include Scott and Stringfellow, Inc. and Sterne Agee & Leach.

Although the payment of dividends by the Company is subject to certain requirements and limitations of North Carolina corporate law, neither the Commissioner nor the FDIC have promulgated any regulations specifically limiting the right of the Company to pay dividends and repurchase shares.  However, the ability of the Company to pay dividends and repurchase shares may be dependent upon, among other things, the Company’s receipt of dividends from the Bank.  The Bank’s ability to pay dividends is limited.  North Carolina commercial banks, such as the Bank, are subject to legal limitations on the amount of dividends they are permitted to pay.   Dividends may be paid by the Bank from undivided profits, which are determined by deducting and charging certain items against actual profits, including any contributions to surplus required by North Carolina law.   Also, an insured depository institution, such as the Bank, is prohibited from making capital distributions, including the payment of dividends, if, after making such distribution, the institution would become “undercapitalized” (as such term is defined in the applicable law and regulations).   Based on its current financial condition, the Bank does not expect that this provision will have any impact on the Bank’s ability to pay dividends.  See Supervision and Regulation under Item 1 Business.

As of March 18, 2014, the Company had 714 shareholders of record, not including the number of persons or entities whose stock is held in nominee or street name through various brokerage firms or banks.   The market price for the Company’s common stock was $15.50 on March 18, 2014.

The following table presents certain market and dividend information for the last two fiscal years.  Over-the-counter quotations reflect inter-dealer prices, without retail mark-up, mark down or commission and may not necessarily represent actual transactions.
 
           
Cash Dividend
2013
  
Low Bid
High Bid
Per Share
 
First Quarter
 $ 9.20   9.45   0.03
               
 
Second Quarter
 $ 11.21   11.23   0.03
               
 
Third Quarter
 $ 12.01   14.05   0.03
               
 
Fourth Quarter
 $ 12.39   15.00   0.03
               
               
             
Cash Dividend
2012
  
Low Bid
High Bid
Per Share
 
First Quarter
 $ 5.16   8.76   0.07
               
 
Second Quarter
 $ 7.01   9.00   0.02
               
 
Third Quarter
 $ 7.88   10.44   0.02
               
 
Fourth Quarter
 $ 8.59   10.50   0.07
 
 
 
20
 
 
STOCK PERFORMANCE GRAPH

The following graph compares the Company’s cumulative shareholder return on its common stock with a NASDAQ index and with a southeastern bank index.  The graph was prepared by SNL Securities, L.C., Charlottesville, Virginia, using data as of December 31, 2013.


COMPARISON OF SIX-YEAR CUMULATIVE TOTAL RETURNS
Performance Report for
Peoples Bancorp of North Carolina, Inc.
 
 
Stock Performance Graph
 
Source :  SNL Financial LC, Charlottesville, VA  
 © 2014  
www.snl.com  
 
 
 
21
 
 
The information required by Item 201(d) concerning securities authorized for issuance under equity compensation plans is set forth in Item 12 hereof.

ISSUER PURCHASES OF EQUITY SECURITIES
          
                   
              Total    
              Number of    
              Shares    
              Purchased as    
              Part of   Maximum Number
    Total         Publicly   of Shares that May
    Number of     Average   Announced   Yet Be Purchased
    Shares     Price Paid   Plans or   Under the Plans or
                           Period   Purchased     per Share   Programs   Programs
                   
January 1 - 31, 2013
   -     $ -   -   -
                     
February 1 - 28, 2013
   1,255   (1)   10.59   -   -
                     
March 1 - 31, 2013
   890   (1)   11.65   -   -
                     
April 1 - 30, 2013
   -       -   -   -
                     
May 1 - 31, 2013
   1,000   (1)   11.84   -   -
                     
June 1 - 30, 2013
   -       -   -   -
                     
July 1 - 31, 2013
   631   (1)   13.71   -   -
                     
August 1 - 31, 2013
   583   (1)   13.51   -   -
                     
September 1 - 30, 2013
   -       -   -   -
                     
October 1 - 31, 2013
   346   (1)   12.99   -   -
                     
November 1 - 30, 2013
   575   (1)   13.10   -   -
                     
December 1 - 31, 2013
   13,850   (1), (2)   905.63   -   -
                     
 Total
   19,130     $ 659.02   -   -
                     
(1) The Company purchased 6,606 shares on the open market in the year ended December 31, 2013 for its deferred compensation plan. All purchases were funded by participant contributions to the plan.
(2) The Company received regulatory approval in December 2013 to repurchase and redeem the remaining 12,524 outstanding shares of its Series A preferred stock. The repurchase and redemption, which was completed on January 17, 2014, is reflected on the Company’s Consolidated Balance Sheets as of December 31, 2013. “Accrued interest payable and other liabilities” at December 31, 2013 includes $12.6 million for the payment to preferred shareholders of principal and accrued dividends on January 17, 2014.
 
ITEM 6.
SELECTED FINANCIAL DATA

The information required by this Item is set forth in the table captioned "Selected Financial Data" on page A-3 of the Annual Report, which Annual Report is included in this Form 10-K as Exhibit (13).
 

ITEM 7.
MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS

The information required by this Item is set forth in the section captioned “Management’s Discussion and Analysis of Financial Condition and Results of Operations” on pages A-4 through A-26 of the Annual Report, which section is included in this Form 10-K as Exhibit (13).
 
 
22
 
 

ITEM 7A.
QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

The information required by this Item is set forth in the section captioned “Quantitative and Qualitative Disclosures About Market Risk” on page A-25 of the Annual Report, which Annual Report is included in this Form 10-K as Exhibit (13).
 
ITEM 8.
FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA
 
The consolidated financial statements of the Company and supplementary data are set forth on pages A-27 through A-64 of the Annual Report, which Annual Report is included in this Form 10-K as Exhibit (13).
 
ITEM 9.
CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND FINANCIAL DISCLOSURE
 
Not applicable.
 
ITEM 9A.
CONTROLS AND PROCEDURES
 
Evaluation of Disclosure Controls and Procedures
The Company’s management, under the supervision and with the participation of the Chief Executive Officer and the Chief Financial Officer of the Company, has concluded, based on their evaluation as of the end of the period covered by this Report, that the Company’s disclosure controls and procedures (as defined in Rule 13A-15(e) promulgated under the Exchange Act) are effective to ensure that information required to be disclosed by the Company in the reports filed or submitted by it under the  Exchange Act  is recorded, processed, summarized and reported within the time periods specified in the applicable rules and forms and include controls and procedures designed to ensure that information required to be disclosed by the Company in such reports is accumulated and communicated to the Company’s management including the Chief Executive Officer and the Chief Financial Officer of the Company as appropriate to allow timely decisions regarding required disclosure.

Changes in Internal Controls over Financial Reporting
There have been no changes in internal control over financial reporting during the quarter ended December 31, 2013 that have materially affected, or are reasonably likely to materially affect, the Company’s internal control over financial reporting.

Management’s Annual Report on Internal Controls over Financial Reporting
The Company’s management is responsible for establishing and maintaining adequate internal control over financial reporting.  Internal control over financial reporting is defined in Rule 13a-15(f) promulgated under the Securities Exchange Act of 1934.  The Company’s internal control over financial reporting is a process designed to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with accounting principles generally accepted in the United States of America.  Internal control over financial reporting includes those policies and procedures that (1) pertain to the maintenance of records that in reasonable detail accurately and fairly reflect the transactions and dispositions of the assets of the company, (2) provide reasonable assurance that transactions are recorded as necessary to permit preparation of financial statements in accordance with accounting principles generally accepted in the United States of America, and that receipts and expenditures of the company are being made only in accordance with authorizations of management and directors of the Company and (3) provide reasonable assurance regarding prevention or timely detection of unauthorized acquisition, use or disposition of the company’s assets that could have a material effect on the financial statements.

Because of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements.  Projections of any evaluation of effectiveness to future periods are subject to the risk that controls may become inadequate because of changes in conditions, or that the degree of compliance with the policies or procedures may deteriorate.

Management assessed the effectiveness of the Company’s internal control over financial reporting as of December 31, 2013.  In making this assessment, management used the criteria established in “Internal Control – Integrated Framework” issued by the Committee of Sponsoring Organizations of the Treadway Commission.  Based on our assessment and those criteria, management believes that the Company maintained effective internal control over financial reporting as of December 31, 2013.

This annual report does not include an attestation report of the Company’s registered independent public accounting firm regarding internal control over financial reporting.  Management’s report was not subject to attestation by the Company’s registered independent public accounting firm pursuant to rules that permit the Company to provide only management’s report in this annual report.
 
 
23
 
 
 
ITEM 9B.
OTHER INFORMATION

None

PART III
 
ITEM 10.
DIRECTORS AND EXECUTIVE OFFICERS AND CORPORATE GOVERNANCE
 
The information required by this Item regarding directors and executive officers of the Company is set forth under the sections captioned “Director Nominees”, “Our Board of Directors and Its Committees”; “Executive Committee”, “Governance Committee”, “Audit and Risk Management Committee”, “Compensation Committee”, “Board Leadership Structure and Risk Oversight” contained in the Proxy Statement, which sections are incorporated herein by reference.

The information required by this Item regarding compliance with Section 16(a) of the Exchange Act is set forth under the section captioned “Section 16(a) Beneficial Ownership Reporting Compliance” contained in the Proxy Statement, which section is incorporated herein by reference.

The information required by this Item regarding identification of members of the Company’s Audit Committee is set forth under the section captioned “Audit and Risk Management Committee” contained in the Proxy Statement, which section is incorporated herein by reference.

The Company has adopted a Code of Ethics that applies to the Company’s employees, including the principal executive officer and principal financial officer.  The Company has also adopted a written charter for the Audit Committee, which is reviewed annually, and amended as needed, by the Committee. These documents are available on the Bank’s website (www.peoplesbanknc.com) under “Investor Relations.”
 
ITEM 11.
EXECUTIVE COMPENSATION
 
The information required by this Item is set forth under the section captioned “Management Compensation” contained in the Proxy Statement, which section is incorporated herein by reference.
 
ITEM 12.
SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT AND RELATED STOCKHOLDER MATTERS

For the information required by the Item see the section captioned “Security Ownership of Certain Beneficial Owners and Management” contained in the Proxy Statement, which section is incorporated herein by reference.

The following table presents the number of shares of Company common stock to be issued upon the exercise of outstanding options, warrants and rights; the weighted-average price of the outstanding options, warrants and rights and the number of options, warrants and rights remaining that may be issued under the Company’s Omnibus Plan described under the section captioned “Omnibus Stock Option and Long Term Incentive Plan” contained in the Proxy Statement .
 
 
24
 
 
 
Plan Category
  
Number of securities to
be issued upon exercise
of outstanding option, warrants and rights (1),
(2), (3)
  
Weighted-average
exercise price of
outstanding options,
warrants and rights
(4)
  
Number of securities remaining available for future issuance under equity compensation plans
(excluding securities reflected in
column (a)) (5)
   
(a)
  
(b)
  
(c)
Equity compensation plans approved by security holders
   59,939   $ 13.95   303,691
Equity compensation plans not approved by security holders
   -     -   -
Total
   59,939   $ 13.95   303,691
               
(1) Includes 3,630 stock options issued on May 6, 2004 under the 1999 Omnibus Stock Option and Long Term Incentive Plan (the "1999 Omnibus Plan"), which are fully vested as of December 31, 2013.
               
(2) Includes 24,159 restricted stock units granted on March 22, 2012 and 5,355 restricted stock units granted on July 26, 2012 under the February 19, 2009 Omnibus Stock Ownership and Long Term Incentive Plan (the "2009 Omnibus Plan"). These restricted stock grants cliff vest five years after issuance.
               
(3) Includes 26,795 restricted stock units granted on May 23, 2013 under the 2009 Omnibus Plan (the "2009 Omnibus Plan"). These restricted stock grants cliff vest on March 22, 2017.
               
(4) The exercise price for the grant of stock options under the 1999 Omnibus Plan on May 6, 2004 is $10.31. Exercise price and shares have been adjusted for the 10% stock dividends paid March 16, 2005 and June 16, 2006 and the three-for-two stock split paid June 15, 2007. The exercise price used for the grants of restricted stock units under the 2009 Omnibus Plan is $14.18, the closing price for the Company’s stock on December 31, 2013.
               
(5) Reflects shares currently reserved for possible issuance under the 2009 Omnibus Plan.
 
ITEM 13.
CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS AND DIRECTOR INDEPENDENCE
 
See the section captioned “Indebtedness of and Transactions with Management and Directors” contained in the Proxy Statement, which section is incorporated herein by reference.
 
ITEM 14.
PRINCIPAL ACCOUNTANT FEES AND SERVICES

See the section captioned “Proposal 2 - Ratification of Selection of Independent Auditor” contained in the Proxy Statement, which section is incorporated herein by reference.
 
 
25
 
 
 
PART IV
       
ITEM 15.
EXHIBITS AND FINANCIAL STATEMENT SCHEDULES
       
15(a)1.
  
Consolidated Financial Statements (contained in the Annual Report attached hereto as Exhibit (13)
   
and incorporated herein by reference)
       
   
(a)
Report of Independent Registered Public Accounting Firm
       
   
(b)
Consolidated Balance Sheets as of December 31, 2013 and 2012
       
   
( c)
Consolidated Statements of Earnings for the Years Ended December 31, 2013, 2012 and
     
2011
       
   
(d)
Consolidated Statements of Comprehensive Income (Loss) for the Years Ended
     
December 31, 2013, 2012 and 2011
       
   
(e)
Consolidated Statements of Changes in Shareholders' Equity for the Years Ended
     
December 31, 2013, 2012 and 2011
       
   
(f)
Consolidated Statements of Cash Flows for the Years Ended December 31, 2013, 2012
     
and 2011
       
   
(g)
Notes to Consolidated Financial Statements
       
15(a)2.
  
Consolidated Financial Statement Schedules
       
   
All schedules have been omitted, as the required information is either inapplicable or included in
   
the Notes to Consolidated Financial Statements.
       
15(a)3.
  
Exhibits
  
 
 
Exhibit (3)(1)
Articles of Amendment dated December 19, 2008, regarding the Series A
   
Preferred Stock, incorporated by reference to Exhibit (3)(1) to the Form 8-K filed
   
with the Securities and Exchange Commission on December 29, 2008
     
 
Exhibit (3)(2)
Articles of Amendment dated February 26, 2010, incorporated by reference to
   
Exhibit (3)(2) to the Form 10-K filed with the Securities and Exchange
   
Commission on March 25, 2010
     
 
Exhibit (3)(i)
Articles of Incorporation of the Registrant, incorporated by reference to
   
Exhibit (3)(i) to the Form 8-A filed with the Securities and Exchange
   
Commission on September 2, 1999
     
 
Exhibit (3)(ii)
Amended and Restated Bylaws of the Registrant, incorporated by reference to
   
Exhibit (3)(ii) to the Form 10-K filed with the Securities and Exchange
   
Commission on March 25, 2010
     
 
Exhibit (4)
Specimen Stock Certificate, incorporated by reference to Exhibit (4) to the Form
   
8-A filed with the Securities and Exchange Commission on September 2, 1999
     
 
Exhibit (4)(1)
Form of Certificate for the Series A Preferred Stock, incorporated by reference to
   
Exhibit (4)(1) to the Form 8-K filed with the Securities and Exchange
   
Commission on December 29, 2008
 
 
 
26
 
 
 
 
Exhibit (4)(2)
Warrant dated December 23, 2008, for the purchase of shares of Common Stock,
   
incorporated by reference to Exhibit (4)(2) to the Form 8-K filed with the
   
Securities and Exchange Commission on December 29, 2008
     
 
Exhibit (10)(1)
Letter Agreement dated December 23, 2008 between the Registrant and the
   
United States Department of the Treasury, incorporated by reference to Exhibit
   
(10)(1) to the Form 8-K filed with the Securities and Exchange Commission on
   
December 29, 2008
     
 
Exhibit (10)(a)(iii)
Amended and Restated Executive Salary Continuation Agreement between
   
Peoples Bank and Tony W. Wolfe dated December 18, 2008, incorporated by
   
reference to Exhibit (10)(a)(iii) to the Form 8-K filed with the Securities and
   
Exchange Commission on December 29, 2008
     
 
Exhibit (10)(b)(i)
Employment Letter Agreement dated December 23, 2008 between the Registrant
   
and Joseph F. Beaman, Jr., incorporated by reference to Exhibit (10(b)(i) to the
   
Form 8-K filed with the Securities and Exchange Commission on December 29,
   
2008
     
 
Exhibit (10)(b)(ii)
Amendment to Employment Agreement between Peoples Bank and Joseph F.
   
Beaman, Jr. dated December 18, 2008, incorporated by reference to Exhibit
   
(10)(b)(ii) to the Form 8-K filed with the Securities and Exchange Commission
   
on December 29, 2008
     
 
Exhibit (10)(b)(iii)
Amended and Restated Executive Salary Continuation Agreement between
   
Peoples Bank and Joseph F. Beaman, Jr. dated December 18, 2008, incorporated
   
by reference to Exhibit (10)(b)(iii) to the Form 8-K filed with the Securities and
   
Exchange Commission on December 29, 2008
     
 
Exhibit (10)(c)(i)
Employment Letter Agreement dated December 23, 2008 between the Registrant
   
and William D. Cable, Sr., incorporated by reference to Exhibit (10(c)(i) to the
   
Form 8-K filed with the Securities and Exchange Commission on December 29,
   
2008
     
 
Exhibit (10)(c)(ii)
Amendment to Employment Agreement between Peoples Bank and William D.
   
Cable, Sr. dated December 18, 2008, incorporated by reference to Exhibit
   
(10)(c)(ii) to the Form 8-K filed with the Securities and Exchange Commission
   
on December 29, 2008
     
 
Exhibit (10)(c)(iii)
Amended and Restated Executive Salary Continuation Agreement between
   
Peoples Bank and William D. Cable, Sr. dated December 18, 2008, incorporated
   
by reference to Exhibit (10)(c)(iii) to the Form 8-K filed with the Securities and
   
Exchange Commission on December 29, 2008
     
 
Exhibit (10)(d)(i)
Employment Letter Agreement dated December 23, 2008 between the Registrant
   
and Lance A. Sellers, incorporated by reference to Exhibit (10(d)(i) to the Form
   
8-K filed with the Securities and Exchange Commission on December 29, 2008
     
 
Exhibit (10)(d)(ii)
Amendment to Employment Agreement between Peoples Bank and Lance A.
   
Sellers dated December 18, 2008, incorporated by reference to Exhibit (10)(d)(ii)
   
to the Form 8-K filed with the Securities and Exchange Commission on
   
December 29, 2008
     
 
Exhibit (10)(d)(iii)
Amended and Restated Executive Salary Continuation Agreement between
   
Peoples Bank and Lance A. Sellers dated December 18, 2008, incorporated by
   
reference to Exhibit (10)(d)(iii) to the Form 8-K filed with the Securities and
   
Exchange Commission on December 29, 2008
 
 
 
27
 
 
 
 
Exhibit (10)(e)
Peoples Bancorp of North Carolina, Inc. Omnibus Stock Ownership and Long
   
Term Incentive Plan incorporated by reference to Exhibit (10)(f) to the Form 10-K
   
filed with the Securities and Exchange Commission on March 30, 2000
     
 
Exhibit (10)(e)(i)
Amendment No. 1 to the Peoples Bancorp of North Carolina, Inc. Omnibus Stock
   
Ownership and Long Term Incentive Plan incorporated by reference to Exhibit
   
(10)(e)(i) to the Form 10-K filed with the Securities and Exchange Commission
   
on March 15, 2007
     
 
Exhibit (10)(f)(i)
Employment Letter Agreement dated December 23, 2008 between the Registrant
   
and A. Joseph Lampron, Jr., incorporated by reference to Exhibit (10(f)(i) to the
   
Form 8-K filed with the Securities and Exchange Commission on December 29,
   
2008
     
 
Exhibit (10)(f)(ii)
Amendment to Employment Agreement between Peoples Bank and A. Joseph
   
Lampron, Jr. dated March 18, 2010 incorporated by reference to Exhibit
   
(10)(f)(ii) to the Form 10-K filed with the Securities  and Exchange Commission
   
on March 25, 2010
     
 
Exhibit (10)(f)(iii)
Amended and Restated Executive Salary Continuation Agreement between
   
Peoples Bank and A. Joseph Lampron, Jr. dated December 18, 2008, incorporated
   
by reference to Exhibit (10)(f)(iii) to the Form 8-K filed with the Securities and
   
Exchange Commission on December 29, 2008
     
 
Exhibit (10)(g)
Peoples Bank Directors' and Officers' Deferral Plan, incorporated by reference
   
to Exhibit (10)(h) to the Form 10-K filed with the Securities and Exchange
   
Commission on March 28, 2002
     
 
Exhibit (10)(h)
Rabbi Trust for the Peoples Bank Directors' and Officers' Deferral Plan,
   
incorporated by reference to Exhibit (10)(i) to the Form 10-K filed with the
   
Securities and Exchange Commission on March 28, 2002
     
 
Exhibit (10)(i)
Description of Service Recognition Program maintained by Peoples Bank,
   
incorporated by reference to Exhibit (10)(i) to the Form 10-K filed with the
   
Securities and Exchange Commission on March 27, 2003
     
 
Exhibit (10)(j)
Capital Securities Purchase Agreement dated as of June 26, 2006, by and among
   
the Registrant, PEBK Capital Trust II and Bear, Sterns Securities Corp.,
   
incorporated by reference to Exhibit (10)(j) to the Form 10-Q filed with the
   
Securities and Exchange Commission on November 13, 2006
     
 
Exhibit (10)(k)
Amended and Restated Trust Agreement of PEBK Capital Trust II, dated as of
   
June 28, 2006, incorporated by reference to Exhibit (10)(k) to the Form 10-Q filed
   
with the Securities and Exchange Commission on November 13, 2006
     
 
Exhibit (10)(l)
Guarantee Agreement of the Registrant dated as of June 28, 2006, incorporated
   
by reference to Exhibit (10)(l) to the Form 10-Q filed with the Securities and
   
Exchange Commission on November 13, 2006
     
 
Exhibit (10)(m)
Indenture, dated as of June 28, 2006, by and between the Registrant and LaSalle
   
Bank National Association, as Trustee, relating to Junior Subordinated Debt
   
Securities Due September 15, 2036, incorporated by reference to Exhibit (10)(m)
   
to the Form 10-Q filed with the Securities and Exchange Commission on
   
November 13, 2006
 
 
 
28
 
                                          
                               
 
Exhibit (10)(n)
Form of Amended and Restated Director Supplemental Retirement Agreement
   
between Peoples Bank and Directors Robert C. Abernethy, James S. Abernethy,
   
Douglas S. Howard, John W. Lineberger, Jr., Gary E. Matthews, Dr. Billy L.
   
Price, Jr., Larry E. Robinson, W. Gregory Terry, Dan Ray Timmerman, Sr. and
   
Benjamin I. Zachary, incorporated by reference to Exhibit (10)(n) to the Form
   
8-K filed with the Securities and Exchange Commission on December 29, 2008
     
 
Exhibit (10)(o)
2009 Omnibus Stock Ownership and Long Term Incentive Plan incorporated
   
by reference to Exhibit (10)(o) to the Form 10-K filed with the Securities and
   
Exchange Commission on March 20, 2009
     
 
Exhibit (10)(p)
Underwriting Agreement with Merrill Lynch, Pierce, Fenner & Smith
   
Incorporated and Sandler O'Neill & Partners, L.P., as representatives of the
   
several underwriters listed on Schedule A thereto and the UST incorporated by
   
reference to Exhibit 1.1 to the Form 8-K filed with the Securities and Exchange
   
Commission on June 29, 2012
     
  Exhibit (11) Statement regarding computation of per share earnings 
     
 
Exhibit (12)
Statement regarding computation of ratios
     
 
Exhibit (13)
2013 Annual Report of Peoples Bancorp of North Carolina, Inc.
     
 
Exhibit (14)
Code of Business Conduct and Ethics of Peoples Bancorp of North Carolina,
   
Inc., incorporated by reference to Exhibit (14) to the Form 10-K filed with the
   
Securities and Exchange Commission on March 25, 2005
     
 
Exhibit (21)
Subsidiaries of the Registrant
     
 
Exhibit (23)
Consent of Porter Keadle Moore, LLP
     
 
Exhibit (31)(a)
Certification of principal executive officer pursuant to section 302 of the
   
Sarbanes-Oxley Act of 2002
     
 
Exhibit (31)(b)
Certification of principal financial officer pursuant to section 302 of the
   
Sarbanes-Oxley Act of 2002
     
 
Exhibit (32)
Certification Pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section
   
906 of the Sarbanes-Oxley Act of 2002
     
 
Exhibit (101)
The following materials from the Company's 10-K Report for the annual
   
period ended December 31, 2013, formatted in XBRL: (i) the Condensed Consolidated
   
Balance Sheets, (ii) the Condensed Consolidated Statements of Income, (iii) the
   
Condensed Consolidated Statements of Changes in Shareholders' Equity, (iv) the
   
Condensed Consolidated Statements of Cash Flows, and (v) the Notes to the
   
Condensed Consolidated Financial Statements, tagged as blocks of text.*
     
   
*Furnished, not filed.
 
 
 
29
 
 
 
SIGNATURES
 
Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.
 
   
PEOPLES BANCORP OF NORTH CAROLINA, INC.
   
(Registrant)
       
   
By:
/s/ Lance A. Sellers
   
Lance A. Sellers
   
President and Chief Executive Officer
       
   
Date:  March 21, 2014
 
 
Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed below by the following persons on behalf of the registrant and in the capacities and on the dates indicated:
 
Signature
  
Title
  
Date
         
/s/ Lance A. Sellers
  
President and Chief Executive Officer
  
March 21, 2014
Lance A. Sellers
  
(Principal Executive Officer)
    
         
/s/ James S. Abernethy
  
Director
  
March 21, 2014
James S. Abernethy
        
         
/s/ Robert C. Abernethy
  
Chairman of the Board and Director
  
March 21, 2014
Robert C. Abernethy
        
         
/s/ Douglas S. Howard
  
Director
  
March 21, 2014
Douglas S. Howard
        
         
/s/ A. Joseph Lampron, Jr.
  
Executive Vice President and Chief
  
March 21, 2014
A. Joseph Lampron, Jr.
  
Financial Officer (Principal Financial
    
   
and Principal Accounting Officer)
    
         
/s/ John W. Lineberger, Jr.
  
Director
  
March 21, 2014
John W. Lineberger, Jr.
  
 
    
         
/s/ Gary E. Matthews
  
Director
  
March 21, 2014
Gary E. Matthews
        
         
/s/ Billy L. Price, Jr., M.D.
  
Director
  
March 21, 2014
Billy L. Price, Jr., M.D.
        
         
/s/ Larry E. Robinson
  
Director
  
March 21, 2014
Larry E. Robinson
        
         
/s/ William Gregory Terry
  
Director
  
March 21, 2014
William Gregory Terry
        
         
/s/ Dan Ray Timmerman, Sr.
  
Director
  
March 21, 2014
Dan Ray Timmerman, Sr.
        
         
/s/ Benjamin I. Zachary
  
Director
  
March 21, 2014
Benjamin I. Zachary
        
 
 
 
30
 
 
 EX-11 2 ex11.htm EXHIBIT (11) ex11.htm
EXHIBIT (11)

STATEMENT REGARDING COMPUTATION OF PER SHARE EARNINGS

The computation of earnings per share is contained in Note 1 of the Notes to Consolidated Financial Statements and is incorporated herein by reference.

 EX-12 3 ex12.htm EXHIBIT (12) ex12.htm
EXHIBIT (12)

STATEMENT REGARDING COMPUTATION OF RATIOS

     The averages used in computing the performance ratios provided in Item 6 represent average daily balances.

 EX-13 4 ex13.htm EXHIBIT (13) ex13.htm
 
EXHIBIT (13)

The Annual Report to Security Holders is Appendix A to the Proxy Statement for the 2014 Annual Meeting of Shareholders and is incorporated herein by reference.

 
 
 
 
 
 
 
 
APPENDIX A
 
 
ANNUAL REPORT
OF
PEOPLES BANCORP OF NORTH CAROLINA, INC.
 
 
 
 
 
 
 
PEOPLES BANCORP OF NORTH CAROLINA, INC.

General Description of Business
Peoples Bancorp of North Carolina, Inc. (the “Company”), was formed in 1999 to serve as the holding company for Peoples Bank (the “Bank”).  The Company is a bank holding company registered with the Board of Governors of the Federal Reserve System (the “Federal Reserve”) under the Bank Holding Company Act of 1956, as amended (the “BHCA”).  The Company’s principal source of income is dividends declared and paid by the Bank on its capital stock, if any.  The Company has no operations and conducts no business of its own other than owning the Bank and Community Bank Real Estate Solutions, LLC (“CBRES”).  Accordingly, the discussion of the business which follows concerns the business conducted by the Bank, unless otherwise indicated.
 
The Bank, founded in 1912, is a state-chartered commercial bank serving the citizens and business interests of the Catawba Valley and surrounding communities through 22 banking offices located in Lincolnton, Newton, Denver, Catawba, Conover, Maiden, Claremont, Hiddenite, Hickory, Charlotte, Monroe, Cornelius, Mooresville and Raleigh, North Carolina.  The Bank also operates a loan production office in Denver, North Carolina.  At December 31, 2013, the Company had total assets of $1.0 billion, net loans of $607.5 million, deposits of $799.4 million, total securities of $302.9 million, and shareholders’ equity of $83.7 million.
 
The Bank operates four offices focused on the Latino population under the name Banco de la Gente (“Banco”).  These offices are operated as a division of the Bank.  Banco offers normal and customary banking services as are offered in the Bank’s other branches such as the taking of deposits and the making of loans and therefore is not considered a reportable segment of the Company.
 
The Bank has a diversified loan portfolio, with no foreign loans and few agricultural loans.  Real estate loans are predominately variable rate commercial property loans, which include residential development loans to commercial customers.  Commercial loans are spread throughout a variety of industries with no one particular industry or group of related industries accounting for a significant portion of the commercial loan portfolio.  The majority of the Bank’s deposit and loan customers are individuals and small to medium-sized businesses located in the Bank’s market area.  The Bank’s loan portfolio also includes Individual Taxpayer Identification Number (ITIN) mortgage loans generated thorough the Bank’s Banco offices.  Additional discussion of the Bank’s loan portfolio and sources of funds for loans can be found in “Management’s Discussion and Analysis of Financial Condition and Results of Operations” on pages A-4 through A-26.
 
The operations of the Bank and depository institutions in general are significantly influenced by general economic conditions and by related monetary and fiscal policies of depository institution regulatory agencies, including the Federal Reserve, the Federal Deposit Insurance Corporation (the “FDIC”) and the North Carolina Commissioner of Banks (the “Commissioner”).
 
At December 31, 2013, the Company employed 257 full-time employees and 34 part-time employees, which equated to 279 full-time equivalent employees.

Subsidiaries
The Bank is a subsidiary of the Company.  The Bank has two subsidiaries, Peoples Investment Services, Inc. and Real Estate Advisory Services, Inc.  Through a relationship with Raymond James Financial Services, Inc., Peoples Investment Services, Inc. provides the Bank’s customers access to investment counseling and non-deposit investment products such as stocks, bonds, mutual funds, tax deferred annuities, and related brokerage services.  Real Estate Advisory Services, Inc. provides real estate appraisal and real estate brokerage services.
 
In June 2006, the Company formed a wholly owned Delaware statutory trust, PEBK Capital Trust II (“PEBK Trust II”), which issued $20.0 million of guaranteed preferred beneficial interests in the Company’s junior subordinated deferrable interest debentures.  All of the common securities of PEBK Trust II are owned by the Company.  The proceeds from the issuance of the common securities and the trust preferred securities were used by PEBK Trust II to purchase $20.6 million of junior subordinated debentures of the Company, which pay a floating rate equal to three-month LIBOR plus 163 basis points.  The proceeds received by the Company from the sale of the junior subordinated debentures were used in December 2006 to repay the trust preferred securities issued in December 2001 by PEBK Capital Trust, a wholly owned Delaware statutory trust of the Company, and for general purposes.  The debentures represent the sole asset of PEBK Trust II.  PEBK Trust II is not included in the consolidated financial statements.
 
The trust preferred securities issued by PEBK Trust II accrue and pay quarterly at a floating rate of three-month LIBOR plus 163 basis points.  The Company has guaranteed distributions and other payments due on the trust preferred securities to the extent PEBK Trust II does not have funds with which to make the distributions and other payments.  The net combined effect of the trust preferred securities transaction is that the Company is obligated to make the distributions and other payments required on the trust preferred securities.
 
 
A-1
 

These trust preferred securities are mandatorily redeemable upon maturity of the debentures on June 28, 2036, or upon earlier redemption as provided in the indenture.  The Company has the right to redeem the debentures purchased by PEBK Trust II, in whole or in part, which became effective on June 28, 2011.  As specified in the indenture, if the debentures are redeemed prior to maturity, the redemption price will be the principal amount plus any accrued but unpaid interest.
 
The Company established a new subsidiary, CBRES, in 2009. CBRES serves as a “clearing-house” for appraisal services for community banks.  Other banks are able to contract with CBRES to find and engage appropriate appraisal companies in the area where the property is located.  This type of service ensures that the appraisal process remains independent from the financing process within the bank
 
This report contains certain forward-looking statements with respect to the financial condition, results of operations and business of Peoples Bancorp of North Carolina, Inc. (the “Company”).  These forward-looking statements involve risks and uncertainties and are based on the beliefs and assumptions of management of the Company and on the information available to management at the time that these disclosures were prepared. These statements can be identified by the use of words like “expect,” “anticipate,” “estimate” and “believe,” variations of these words and other similar expressions.  Readers should not place undue reliance on forward-looking statements as a number of important factors could cause actual results to differ materially from those in the forward-looking statements.  Factors that could cause actual results to differ materially include, but are not limited to, (1) competition in the markets served by Peoples Bank, (2) changes in the interest rate environment, (3) general national, regional or local economic conditions may be less favorable than expected, resulting in, among other things, a deterioration in credit quality and the possible impairment of collectibility of loans, (4) legislative or regulatory changes, including changes in accounting standards, (5) significant changes in the federal and state legal and regulatory environment and tax laws, (6) the impact of changes in monetary and fiscal policies, laws, rules and regulations and (7) other risks and factors identified in the Company’s other filings with the Securities and Exchange Commission.  The Company undertakes no obligation to update any forward-looking statements.
 
 
 
A-2
 
 
 
SELECTED FINANCIAL DATA
Dollars in Thousands Except Per Share Amounts
                   
 
2013
  
2012
  
2011
  
2010
  
2009
Summary of Operations
                  
Interest income
 $ 36,696   39,245   45,259   47,680   50,037
Interest expense
   5,353   7,696   10,946   14,348   17,187
Net interest earnings
   31,343   31,549   34,313   33,332   32,850
Provision for loan losses
   2,584   4,924   12,632   16,438   10,535
Net interest earnings after provision
                    
for loan losses
   28,759   26,625   21,681   16,894   22,315
Non-interest income
   12,652   12,537   14,513   13,884   11,823
Non-interest expense
   32,841   31,782   29,572   28,948   29,883
Earnings before taxes
   8,570   7,380   6,622   1,830   4,255
Income taxes
   1,879   1,587   1,463   (11   1,339
Net earnings
   6,691   5,793   5,159   1,841   2,916
Dividends and accretion of preferred stock
   656   1,010   1,393   1,394   1,246
Net earnings available to common
                    
shareholders
 $ 6,035   4,783   3,766   447   1,670
                     
Selected Year-End Balances
                    
Assets
 $ 1,034,684   1,013,516   1,067,063   1,067,652   1,048,494
Available for sale securities
   297,890   297,823   321,388   272,449   195,115
Loans, net
   607,459   605,551   653,893   710,667   762,643
Mortgage loans held for sale
   497   6,922   5,146   3,814   2,840
Interest-earning assets
   925,736   931,738   1,004,131   1,010,983   988,017
Deposits
   799,361   781,525   827,111   838,712   809,343
Interest-bearing liabilities
   715,111   745,139   820,452   850,233   826,838
Shareholders' equity
 $ 83,719   97,747   103,027   96,858   99,223
Shares outstanding
   5,613,495   5,613,495   5,544,160   5,541,413   5,539,056
                     
Selected Average Balances
                    
Assets
 $ 1,023,609   1,029,612   1,074,250   1,078,136   1,016,257
Available for sale securities
   293,770   289,010   295,413   219,797   161,135
Loans
   614,532   648,595   697,527   757,532   782,464
Interest-earning assets
   950,451   965,994   1,015,451   999,054   956,680
Deposits
   787,640   786,976   835,550   840,343   772,075
Interest-bearing liabilities
   741,228   770,546   836,382   849,870   796,260
Shareholders' equity
 $ 100,241   103,805   102,568   101,529   101,162
Shares outstanding
   5,613,495   5,559,401   5,542,548   5,539,308   5,539,056
                     
Profitability Ratios
                    
Return on average total assets
   0.65%   0.56%   0.48%   0.17%   0.29%
Return on average shareholders' equity
   6.67%   5.58%   5.03%   1.81%   2.88%
Dividend payout ratio*
   11.17%   20.96%   11.78%   100.11%   86.22%
                     
Liquidity and Capital Ratios (averages)
                    
Loan to deposit
   78.02%   82.42%   83.48%   90.15%   101.35%
Shareholders' equity to total assets
   9.79%   10.08%   9.55%   9.42%   9.95%
                     
Per share of Common Stock
                    
Basic net income
 $ 1.08   0.86   0.68   0.08   0.30
Diluted net income
 $ 1.07   0.86   0.68   0.08   0.30
Cash dividends
 $ 0.12   0.18   0.08   0.08   0.26
Book value
 $ 14.91   15.18   14.06   12.96   13.39
                     
*As a percentage of net earnings available to common shareholders.
        
 
 
 
A-3
 
 
MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION
AND RESULTS OF OPERATIONS

The following is a discussion of our financial position and results of operations and should be read in conjunction with the information set forth under Item 1A Risk Factors and the Company’s consolidated financial statements and notes thereto on pages A-27 through A-64.

Introduction
Management’s discussion and analysis of earnings and related data are presented to assist in understanding the consolidated financial condition and results of operations of the Company, for the years ended December 31, 2013, 2012 and 2011.  The Company is a registered bank holding company operating under the supervision of the Federal Reserve Board (the "FRB") and the parent company of Peoples Bank (the “Bank”). The Bank is a North Carolina-chartered bank, with offices in Catawba, Lincoln, Alexander, Mecklenburg, Iredell, Union and Wake counties, operating under the banking laws of North Carolina and the rules and regulations of the Federal Deposit Insurance Corporation (the “FDIC”).

Overview
Our business consists principally of attracting deposits from the general public and investing these funds in commercial loans, real estate mortgage loans, real estate construction loans and consumer loans. Our profitability depends primarily on our net interest income, which is the difference between the income we receive on our loan and investment securities portfolios and our cost of funds, which consists of interest paid on deposits and borrowed funds. Net interest income also is affected by the relative amounts of our interest-earning assets and interest-bearing liabilities. When interest-earning assets approximate or exceed interest-bearing liabilities, a positive interest rate spread will generate net interest income. Our profitability is also affected by the level of other income and operating expenses. Other income consists primarily of miscellaneous fees related to our loans and deposits, mortgage banking income and commissions from sales of annuities and mutual funds. Operating expenses consist of compensation and benefits, occupancy related expenses, federal deposit and other insurance premiums, data processing, advertising and other expenses.

Our operations are influenced significantly by local economic conditions and by policies of financial institution regulatory authorities. The earnings on our assets are influenced by the effects of, and changes in, trade, monetary and fiscal policies and laws, including interest rate policies of the Board of Governors of the Federal Reserve System (the “Federal Reserve”), inflation, interest rates, market and monetary fluctuations.  Lending activities are affected by the demand for commercial and other types of loans, which in turn is affected by the interest rates at which such financing may be offered.  Our cost of funds is influenced by interest rates on competing investments and by rates offered on similar investments by competing financial institutions in our market area, as well as general market interest rates. These factors can cause fluctuations in our net interest income and other income. In addition, local economic conditions can impact the credit risk of our loan portfolio, in that (1) local employers may be required to eliminate employment positions of individual borrowers, and (2) small businesses and commercial borrowers may experience a downturn in their operating performance and become unable to make timely payments on their loans. Management evaluates these factors in estimating the allowance for loan losses and changes in these economic factors could result in increases or decreases to the provision for loan losses.

The unfavorable economic conditions experienced from 2008 to 2010 moderated in 2011 and 2012.  Economic conditions were much more positive in 2013, although still far below the pre-crisis levels of 2006 and 2007.  With the unemployment rate continuing to be higher than historical norms and home prices well below pre-crisis levels, the primary indicators of economic activity for our markets continue to point to challenging business conditions that will slow our return to pre-crisis levels of earnings.  This is also reflected in our local markets, as the unemployment rate in our primary markets remains above the national and state unemployment rates.

Although we are unable to control the external factors that influence our business, by maintaining high levels of balance sheet liquidity, managing our interest rate exposures and by actively monitoring asset quality, we seek to minimize the potentially adverse risks of unforeseen and unfavorable economic trends.

Our business emphasis has been to operate as a well-capitalized, profitable and independent community-oriented financial institution dedicated to providing quality customer service. We are committed to meeting the financial needs of the communities in which we operate. We believe that we can be more effective in serving our customers than many of our non-local competitors because of our ability to quickly and effectively provide senior management responses to customer needs and inquiries. Our ability to provide these services is enhanced by the stability of our senior management team.
 
 
A-4
 
 
The Federal Reserve has maintained the Federal Funds Rate at 0.25% since December 31, 2008.  This has had a negative impact on 2011, 2012 and 2013 earnings and will continue to have a negative impact on the Bank’s net interest income in the future periods.  The negative impact from the Federal Funds Rate has been partially offset by the increase in earnings realized on interest rate contracts, including interest rate swaps and interest rate floors, utilized by the Bank.  Additional information regarding the Bank’s interest rate contracts is provided below in the section entitled “Asset Liability and Interest Rate Risk Management.”

On December 23, 2008, the Company entered into a Securities Purchase Agreement (“Purchase Agreement”) with the U.S. Department of the Treasury ("UST") pursuant to the Capital Purchase Program ("CPP") under the Troubled Asset Relief Program ("TARP").  Under the Purchase Agreement, the Company agreed to issue and sell 25,054 shares of Series A preferred stock and a Warrant to purchase 357,234 shares of the Company’s common stock.  Proceeds from this issuance of Series A preferred shares were allocated between preferred stock and the Warrant based on their relative fair values at the time of the sale.  Of the $25.1 million in proceeds, $24.4 million was allocated to the Series A preferred stock and $704,000 was allocated to the Warrant.  The discount recorded on the Series A preferred stock that resulted from allocating a portion of the proceeds to the Warrant was being accreted directly to retained earnings over a five-year period applying a level yield.

The Series A preferred stock qualified as Tier 1 capital and paid cumulative dividends at a rate of 5% per annum for the first five years (i.e., through December 23, 2013) and 9% per annum thereafter.  The Series A preferred stock was redeemable at the stated amount of $1,000 per share plus any accrued and unpaid dividends.  Under the terms of the original Purchase Agreement, the Company could not redeem the Series A preferred shares until December 23, 2011 unless the total amount of the issuance, $25.1 million, was replaced with the same amount of other forms of capital that would qualify as Tier 1 capital. However, with the enactment of the American Recovery and Reinvestment Act of 2009 (“ARRA”), the Company could redeem the Series A preferred shares at any time, if approved by the Company’s primary regulator.  The Series A preferred stock was non-voting except for class voting rights on matters that would adversely affect the rights of the holders of the Series A preferred stock.

The UST sold all of its Series A preferred stock in a public auction in June 2012, and, as a result, the Company is no longer subject to the executive compensation and corporate governance standards imposed by TARP.  The Company purchased 12,530 shares of the 25,054 outstanding shares of Series A preferred stock from the UST.  The shares were purchased for $933.36 per share, for a total purchase price of $11,778,576, including $83,575 accrued and unpaid dividends on the Series A preferred stock.  The Company retired the 12,530 shares purchased.  The $834,999 difference between the $12,530,000 face value of the Series A preferred stock retired and the $11,695,001 purchase price of the Series A preferred stock retired was credited to retained earnings effective June 30, 2012.  Remaining Series A preferred shares were redeemable at any time at par.

During the third quarter of 2012, the Company completed its repurchase of the Warrant to purchase 357,234 shares of the Company’s common stock.  The Company repurchased the Warrant for a total price of $425,000.  The exercise price of the Warrant was $10.52 per common share and was exercisable at anytime on or before December 18, 2018.  The Company is no longer accreting the discount associated with the Warrant, as the discount remaining at the time of repurchase was included in the cost of the Warrant.  As of December 31, 2013, the Company had accreted a total of $478,000 of the discount related to the Series A preferred stock.

The Company received regulatory approval in December 2013 to repurchase and redeem the remaining 12,524 outstanding shares of its Series A preferred stock.  The repurchase and redemption was completed on January 17, 2014 and is reflected on the Company’s Consolidated Balance Sheets as of December 31, 2013.   “Accrued interest payable and other liabilities” at December 31, 2013 includes $12.6 million for the payment to preferred shareholders of principal and accrued dividends on January 17, 2014.

The Company does not have specific plans for additional offices in 2014 but will continue to look for growth opportunities in nearby markets and may expand if considered a worthwhile opportunity.

Summary of Significant Accounting Policies
The consolidated financial statements include the financial statements of the Company and its wholly owned subsidiaries, the Bank and Community Bank Real Estate Solutions, LLC ("CBRES"), along with the Bank’s wholly owned subsidiaries, Peoples Investment Services, Inc. and Real Estate Advisory Services, Inc. ("REAS").  All significant intercompany balances and transactions have been eliminated in consolidation.

The Company’s accounting policies are fundamental to understanding management’s discussion and analysis of results of operations and financial condition.  Many of the Company’s accounting policies require significant judgment regarding valuation of assets and liabilities and/or significant interpretation of specific accounting guidance.  The following is a summary of some of the more subjective and complex accounting policies of the Company.  A more
 
 
A-5
 
 
complete description of the Company’s significant accounting policies can be found in Note 1 of the Notes to Consolidated Financial Statements in the Company’s 2013 Annual Report to Shareholders which is Appendix A to the Proxy Statement for the May 1, 2014 Annual Meeting of Shareholders.

Many of the Company’s assets and liabilities are recorded using various techniques that require significant judgment as to recoverability.  The collectability of loans is reflected through the Company’s estimate of the allowance for loan losses.  The Company performs periodic and systematic detailed reviews of its lending portfolio to assess overall collectability.  In addition, certain assets and liabilities are reflected at their estimated fair value in the consolidated financial statements.  Such amounts are based on either quoted market prices or estimated values derived from dealer quotes used by the Company, market comparisons or internally generated modeling techniques.  The Company’s internal models generally involve present value of cash flow techniques.  The various techniques are discussed in greater detail elsewhere in this management’s discussion and analysis and the Notes to Consolidated Financial Statements.

There are other complex accounting standards that require the Company to employ significant judgment in interpreting and applying certain of the principles prescribed by those standards.  These judgments include, but are not limited to, the determination of whether a financial instrument or other contract meets the definition of a derivative in accordance with U.S. Generally Accepted Accounting Principles (“GAAP”).

The disclosure requirements for derivatives and hedging activities are intended to provide users of financial statements with an enhanced understanding of: (a) how and why an entity uses derivative instruments, (b) how derivative instruments and related hedged items are accounted for and (c) how derivative instruments and related hedged items affect an entity’s financial position, financial performance, and cash flows. The disclosure requirements include qualitative disclosures about objectives and strategies for using derivatives, quantitative disclosures about the fair value of and gains and losses on derivative instruments, and disclosures about credit-risk-related contingent features in derivative instruments.

The Company records all material derivatives on the balance sheet at fair value.  The accounting for changes in the fair value of derivatives depends on the intended use of the derivative, whether the Company has elected to designate a derivative in a hedging relationship and apply hedge accounting, and whether the hedging relationship has satisfied the criteria necessary to apply hedge accounting. Derivatives designated and qualifying as a hedge of the exposure to changes in the fair value of an asset, liability, or firm commitment attributable to a particular risk, such as interest rate risk, are considered fair value hedges. Derivatives designated and qualifying as a hedge of the exposure to variability in expected future cash flows, or other types of forecasted transactions, are considered cash flow hedges. Hedge accounting generally provides for the matching of the timing of gain or loss recognition on the hedging instrument with the recognition of the changes in the fair value of the hedged asset or liability that are attributable to the hedged risk in a fair value hedge or the earnings effect of the hedged forecasted transactions in a cash flow hedge.  The Company may enter into derivative contracts that are intended to economically hedge certain of its risks, even though hedge accounting does not apply or the Company elects not to apply hedge accounting.

The Company has an overall interest rate risk management strategy that incorporates the use of derivative instruments to minimize significant unplanned fluctuations in earnings that are caused by interest rate volatility.  By using derivative instruments, the Company is exposed to credit and market risk.  If the counterparty fails to perform, credit risk is equal to the extent of the fair-value gain in the derivative.  The Company minimizes the credit risk in derivative instruments by entering into transactions with high-quality counterparties that are reviewed periodically by the Company. 

The Company’s objectives in using interest rate derivatives are to add stability to interest income and expense and to manage its exposure to interest rate movements. To accomplish this objective, the Company primarily uses interest rate swaps and floors as part of its interest rate risk management strategy.  For hedges of the Company’s variable-rate loan assets, interest rate swaps designated as cash flow hedges involve the receipt of fixed-rate amounts from a counterparty in exchange for the Company making variable-rate payments over the life of the agreements without exchange of the underlying notional amount.  For hedges of the Company’s variable-rate loan assets, the interest rate floors designated as a cash flow hedge involves the receipt of variable-rate amounts from a counterparty if interest rates fall below the strike rate on the contract in exchange for an up front premium.  The Company had an interest rate swap contract that expired in June 2011.  The Company did not have any interest rate derivatives outstanding as of December 31, 2013 or 2012.

The effective portion of changes in the fair value of derivatives designated and that qualify as cash flow hedges is recorded in “Accumulated Other Comprehensive Income” and is subsequently reclassified into earnings in the period that the hedged forecasted transaction affects earnings.  The ineffective portion of the change in fair value of the derivatives is recognized directly in earnings.
 
 
A-6
 

GAAP establishes a framework for measuring fair value and expands disclosures about fair value measurements. There is a three-level fair value hierarchy for fair value measurements.  Level 1 inputs are quoted prices in active markets for identical assets or liabilities that a company has the ability to access at the measurement date. Level 2 inputs are inputs other than quoted prices included within Level 1 that are observable for the asset or liability, either directly or indirectly. Level 3 inputs are unobservable inputs for the asset or liability.  The table below presents the balance of securities available for sale ("AFS"), which are measured at fair value on a recurring basis by level within the fair value hierarchy as of December 31, 2013 and 2012.

(Dollars in thousands)
              
 
December 31, 2013
 
Fair Value Measurements
Level 1
Valuation
  
Level 2
Valuation
  
Level 3
Valuation
Mortgage-backed securities
 $ 123,977   -   123,977   -
U.S. Government
                
sponsored enterprises
 $ 22,143   -   22,143   -
State and political subdivisions
 $ 145,368   -   145,368   -
Corporate bonds
 $ 3,463   -   3,463   -
Trust preferred securities
 $ 1,250   -   -   1,250
Equity securities
 $ 1,689   1,689   -   -
 
 
(Dollars in thousands)
              
 
December 31, 2012
 
Fair Value Measurements
Level 1
Valuation
  
Level 2
Valuation
  
Level 3
Valuation
Mortgage-backed securities
 $ 148,024   -   148,024   -
U.S. Government
                
sponsored enterprises
 $ 18,837   -   18,837   -
State and political subdivisions
 $ 125,658   -   125,658   -
Corporate bonds
 $ 2,586   -   2,586   -
Trust preferred securities
 $ 1,250   -   -   1,250
Equity securities
 $ 1,468   1,468   -   -
 
Fair values of investment securities AFS are determined by obtaining quoted prices on nationally recognized securities exchanges when available.  If quoted prices are not available, fair value is determined using matrix pricing, which is a mathematical technique used widely in the industry to value debt securities without relying exclusively on quoted prices for the specific securities but rather by relying on the securities’ relationship to other benchmark quoted securities.

The following is an analysis of fair value measurements of investment securities AFS using Level 3, significant unobservable inputs, for the year ended December 31, 2013.
 
(Dollars in thousands)
  
 
Investment Securities Available for Sale
 
Level 3 Valuation
Balance, beginning of period
 $ 1,250
Change in book value
   -
Change in gain/(loss) realized and unrealized
   -
Purchases/(sales)
   -
Transfers in and/or (out) of Level 3
   -
Balance, end of period
 $ 1,250
     
Change in unrealized gain/(loss) for assets still held in Level 3
 $ -
 
The fair value measurements for impaired loans and other real estate on a non-recurring basis at December 31, 2013 and 2012 are presented below.  The fair value measurement process uses certified appraisals and other market-based information; however, in many cases, it also requires significant input based on management’s knowledge of and judgment about current market conditions, specific issues relating to the collateral, and other matters.  As a result, all fair value measurements for impaired loans and other real estate are considered Level 3.
 
 
A-7
 
 
 
(Dollars in thousands)
                    
 
Fair Value
Measurements
December 31, 2013
  
Level 1
Valuation
  
Level 2
Valuation
  
Level 3
Valuation
  
Total Gains/(Losses) for
the Year Ended
December 31, 2013
Impaired loans
 $ 39,780   -   -   39,780   (3,207 )
Other real estate
 $ 1,679   -   -   1,679   (581 )
                       
(Dollars in thousands)
                      
 
Fair Value
Measurements
December 31, 2012
  
Level 1
Valuation
  
Level 2
Valuation
  
Level 3
Valuation
  
Total Gains/(Losses) for
the Year Ended
December 31, 2012
Impaired loans
 $ 46,738   -   -   46,738   (6,875 )
Other real estate
 $ 6,254   -   -   6,254   (1,136 )
 
At each reporting period, the Bank determines which loans are impaired.  Accordingly, the Bank’s impaired loans are reported at their estimated fair value on a non-recurring basis.  An allowance for each impaired loan that is collateral-dependent is calculated based on the fair value of its collateral.  The fair value of the collateral is based on appraisals performed by REAS, a subsidiary of the Bank.  REAS is staffed by certified appraisers that also perform appraisals for other companies.  Factors including the assumptions and techniques utilized by the appraiser are considered by management.  If the recorded investment in the impaired loan exceeds the measure of fair value of the collateral, a valuation allowance is recorded as a component of the allowance for loan losses.  An allowance for each impaired loan that is non-collateral dependent is calculated based on the present value of projected cash flows.  If the recorded investment in the impaired loan exceeds the present value of projected cash flows, a valuation allowance is recorded as a component of the allowance for loan losses.  Impaired loans under $250,000 are not individually evaluated for impairment, with the exception of the Bank’s troubled debt restructured (“TDR”) loans in the residential mortgage loan portfolio, which are individually evaluated for impairment.  Accruing impaired loans were $27.6 million and $30.6 million at December 31, 2013 and 2012, respectively.  Interest income recognized on accruing impaired loans was $1.3 million and $1.5 million for the years ended December 31, 2013 and 2012, respectively.  No interest income is recognized on non-accrual impaired loans subsequent to their classification as non-accrual.

The following tables present the Bank’s impaired loans as of December 31, 2013 and 2012:
 
December 31, 2013
                
(Dollars in thousands)
                
                       
 
Unpaid
Contractual Principal
Balance
  
Recorded Investment
With No Allowance
  
Recorded Investment
With
Allowance
  
Recorded Investment
in Impaired
Loans
  
Related Allowance
  
Average Outstanding Impaired
Loans
Real estate loans
                      
Construction and land development
 $ 9,861   6,293   868   7,161   53   8,289
Single-family residential
   7,853   1,428   5,633   7,061   123   7,859
Single-family residential -
                        
Banco de la Gente stated income
   22,034   -     21,242   21,242   1,300   21,242
Commercial
   5,079   3,045   1,489   4,534   182   4,171
Multifamily and farmland
   177   -     177   177   1   184
Total impaired real estate loans
   45,004   10,766   29,409   40,175   1,659   41,745
                         
Loans not secured by real estate
                        
Commercial loans
   999   257   724   981   15   826
Consumer loans
   302   264   35   299   1   247
Total impaired loans
 $ 46,305   11,287   30,168   41,455   1,675   42,818
 
 
 
A-8
 
 
 
December 31, 2012
                
(Dollars in thousands)
                
 
Unpaid
Contractual Principal
Balance
  
Recorded Investment
With No Allowance
  
Recorded Investment
With
Allowance
  
Recorded Investment
 in Impaired
Loans
  
Related Allowance
  
Average Outstanding Impaired
Loans
Real estate loans
                      
Construction and land development
 $ 17,738   11,795   680   12,475   61   12,810
Single-family residential
   9,099   766   7,799   8,565   177   7,590
Single-family residential -
                        
Banco de la Gente stated income
   21,806   -     21,000   21,000   1,278   21,158
Commercial
   5,830   4,569   467   5,036   6   5,433
Multifamily and farmland
   193   -     193   193   1   200
Total impaired real estate loans
   54,666   17,130   30,139   47,269   1,523   47,191
                         
Loans not secured by real estate
                        
Commercial loans
   983   347   592   939   12   1,125
Consumer loans
   68   -    66   66   1   41
Total impaired loans
 $ 55,717   17,477   30,797   48,274   1,536   48,357
 
In January 2014, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) No. 2014-04, (Subtopic 310-40): Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure.  ASU No. 2014-04 provides additional guidance to clarify when an in substance repossession or foreclosure occurs, that is, when a creditor should be considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan such that the loan should be derecognized and the real estate property recognized.  ASU No. 2014-04 is effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2014.  The adoption of this guidance is not expected to have a material impact on the Company’s results of operations, financial position or disclosures.

Other accounting standards that have been issued or proposed by the FASB or other standards-setting bodies are not expected to have a material impact on the Company’s results of operations, financial position or disclosures.

Management of the Company has made a number of estimates and assumptions relating to reporting of assets and liabilities and the disclosure of contingent assets and liabilities to prepare the accompanying consolidated financial statements in conformity with GAAP.  Actual results could differ from those estimates.
 
Results of Operations
Summary.  The Company reported earnings of $6.7 million in 2013, or $1.19 basic and diluted net earnings per share, before adjustment for preferred stock dividends and accretion, as compared to $5.8 million, or $1.04 basic and diluted net earnings per share, before adjustment for preferred stock dividends and accretion, for the year ended December 31, 2012.  After adjusting for dividends and accretion on preferred stock, net earnings available to common shareholders for the year ended December 31, 2013 were $6.0 million, or $1.08 basic net earnings per common share and $1.07 diluted net earnings per common share, as compared to $4.8 million, or $0.86 basic and diluted net earnings per common share, for the year ended December 31, 2012.  The increase in year-to-date earnings is primarily attributable to a decrease in the provision for loan losses and an increase in non-interest income, which were partially offset by a decrease in net interest income and an increase in non-interest expense, as discussed below.

Net earnings for 2012 represented an increase of 27% as compared to 2011 net earnings of $3.8 million, or $0.68 basic and diluted net earnings per common share.  The increase in 2012 net earnings was primarily attributable to a decrease in the provision for loan losses, which was partially offset by aggregate decreases in net interest income and non-interest income and aggregate increases in non-interest expense.

The return on average assets in 2013 was 0.65%, compared to 0.56% in 2012 and 0.48% in 2011. The return on average shareholders’ equity was 6.67% in 2013 compared to 5.58% in 2012 and 5.03% in 2011.

Net Interest Income.  Net interest income, the major component of the Company’s net income, is the amount by which interest and fees generated by interest-earning assets exceed the total cost of funds used to carry them.  Net interest income is affected by changes in the volume and mix of interest-earning assets and interest-bearing liabilities, as well as changes in the yields earned and rates paid.  Net interest margin is calculated by dividing tax-equivalent net interest income by average interest-earning assets, and represents the Company’s net yield on its interest-earning assets.
 
 
A-9
 
 
Net interest income for 2013 was $31.3 million compared to $31.5 million in 2012.  This decrease is primarily attributable to a decrease in interest income resulting from decreases in the year-to-date average balances outstanding on loans and the yield on earning assets, which were partially offset by a decrease in interest expense due to a reduction in the cost of funds and a reduction in interest bearing liabilities.  Net interest income decreased in 2012 from $34.3 million in 2011.

Table 1 sets forth for each category of interest-earning assets and interest-bearing liabilities, the average amounts outstanding, the interest incurred on such amounts and the average rate earned or incurred for the years ended December 31, 2013, 2012 and 2011. The table also sets forth the average rate earned on total interest-earning assets, the average rate paid on total interest-bearing liabilities, and the net yield on average total interest-earning assets for the same periods.  Yield information does not give effect to changes in fair value that are reflected as a component of shareholders’ equity.  Yields and interest income on tax-exempt investments have been adjusted to tax equivalent basis using an effective tax rate of 38.55% for securities that are both federal and state tax exempt, an effective tax rate of 31.65% for federal tax exempt securities and an effective tax rate of 6.90% for state tax exempt securities.  Non-accrual loans and the interest income that was recorded on these loans, if any, are included in the yield calculations for loans in all periods reported.

Table 1- Average Balance Table
                  
                                   
 
December 31, 2013
  
December 31, 2012
  
December 31, 2011
(Dollars in thousands)
Average
Balance
  
Interest
  
Yield /
Rate
  
Average Balance
  
Interest
  
Yield /
Rate
  
Average Balance
  
Interest
  
Yield /
Rate
Interest-earning assets:
                                  
Interest and fees on loans
 $ 614,532   30,194   4.91%   648,595   32,758   5.05%   697,527   36,374   5.21%
Investments - taxable
   141,143   1,544   1.09%   188,625   2,901   1.54%   173,766   4,688   2.70%
Investments - nontaxable*
   158,535   7,070   4.46%   106,796   5,198   4.87%   128,543   5,865   4.56%
Other
   36,241   85   0.23%   21,977   51   0.23%   15,615   33   0.21%
                                     
Total interest-earning assets
   950,451   38,893   4.09%   965,993   40,908   4.23%   1,015,451   46,960   4.62%
                                     
Cash and due from banks
   36,080           24,760           23,844        
Other assets
   51,239           55,618           50,829        
Allowance for loan losses
   (14,161 )         (16,760 )         (15,874 )      
                                     
Total assets
 $ 1,023,609           1,029,611           1,074,250        
                                     
                                     
Interest-bearing liabilities:
                                    
                                     
NOW, MMDA & savings deposits
 $ 376,457   732   0.19%   351,748   1,180   0.34%   344,860   2,263   0.66%
Time deposits
   230,880   1,650   0.71%   282,218   3,205   1.14%   357,094   5,035   1.41%
FHLB / FRB borrowings
   69,740   2,518   3.61%   70,350   2,744   3.90%   70,027   2,956   4.22%
Trust preferred securities
   20,619   398   1.93%   20,619   438   2.12%   20,619   407   1.97%
Other
   43,532   55   0.13%   45,611   129   0.28%   43,782   285   0.65%
                                     
Total interest-bearing liabilities
   741,228   5,353   0.72%   770,546   7,696   1.00%   836,382   10,946   1.31%
                                     
Demand deposits
   180,303           153,009           133,596        
Other liabilities
   4,860           4,746           4,174        
Shareholders' equity
   100,241           103,805           102,568        
                                     
Total liabilities and shareholder's equity
 $ 1,026,632           1,032,106           1,076,720        
                                     
Net interest spread
       33,540   3.37%       33,212   3.23%       36,014   3.31%
                                     
Net yield on interest-earning assets
           3.53%           3.44%           3.55%
                                     
Taxable equivalent adjustment
                                    
        Investment securities
       2,197           1,663           1,701    
                                     
Net interest income
       31,343           31,549           34,313    
                                     
*Includes U.S. government agency securities that are non-taxable for state income tax purposes of $20.2 million in 2013, $5.3 million in 2012 and $39.0 million in 2011. An effective tax rate of 6.90% was used to calculate the tax equivalent yield on these securities.
 
       Changes in interest income and interest expense can result from variances in both volume and rates.  Table 2 describes the impact on the Company’s tax equivalent net interest income resulting from changes in average balances and average rates for the periods indicated.  The changes in interest due to both volume and rate have been allocated to volume and rate changes in proportion to the relationship of the absolute dollar amounts of the changes in each.
 
 
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Table 2 - Rate/Volume Variance Analysis-Tax Equivalent Basis
            
                         
 
December 31, 2013
  
December 31, 2012
  
(Dollars in thousands)
Changes
in average
volume
  
Changes in average
rates
  
Total
Increase (Decrease)
  
Changes
in average
volume
  
Changes in average
rates
  
Total
Increase (Decrease)
  
Interest income:
                        
Loans: Net of unearned income
 $ (1,697 ) (867 ) (2,564 ) (2,512 ) (1,104 ) (3,616 )
                           
Investments - taxable
   (625 ) (732 ) (1,357 ) 315   (2,102 ) (1,787 )
Investments - nontaxable
   2,413   (541 ) 1,872   (1,025 ) 358   (667 )
Other
   33   1   34   15   3   18  
Total interest income
   124   (2,139 ) (2,015 ) (3,207 ) (2,845 ) (6,052 )
                           
Interest expense:
                          
NOW, MMDA & savings deposits
   65   (513 ) (448 ) 34   (1,117 ) (1,083 )
Time deposits
   (475 ) (1,080 ) (1,555 ) (953 ) (877 ) (1,830 )
FHLB / FRB Borrowings
   (23 ) (203 ) (226 ) 13   (225 ) (212 )
Trust Preferred Securities
   -   (40 ) (40 ) -   31   31  
Other
   (4 ) (70 ) (74 ) 9   (165 ) (156 )
Total interest expense
   (437 ) (1,906 ) (2,343 ) (897 ) (2,353 ) (3,250 )
Net interest income
 $ 561   (233 ) 328   (2,310 ) (492 ) (2,802 )
 
Net interest income on a tax equivalent basis totaled $31.3 million in 2013 as compared to $31.5 million in 2012.  The interest rate spread, which represents the rate earned on interest-earning assets less the rate paid on interest-bearing liabilities, was 3.37% in 2013, an increase from the 2012 net interest spread of 3.23%.  The net yield on interest-earning assets in 2013 increased to 3.53% from the 2012 net yield on interest-earning assets of 3.44%.

Tax equivalent interest income decreased $2.0 million or 5% in 2013 primarily due to decreases in the year-to-date average balances outstanding on loans and the yield on earning assets.  The yield on interest-earning assets decreased to 4.09% in 2013 from 4.23% in 2012.  Average interest-earning assets decreased $15.5 million primarily as the result of a $34.1 million decrease in the average outstanding balance of loans, which was partially offset by a $14.2 million decrease in other interest-earning assets.  Other interest-earning assets including federal funds sold were $36.2 million in 2013 and $22.0 million in 2012.

Interest expense decreased $2.3 million or 30% in 2013 primarily due to a decrease in the average rate paid on interest-bearing liabilities.  The cost of funds decreased to 0.72% in 2013 from 1.00% in 2012.  This decrease in the cost of funds was primarily attributable to decreases in the average rate paid on interest-bearing deposit accounts and a reduction in interest-bearing liabilities.  The $29.3 million decrease in average interest-bearing liabilities in 2013 was primarily attributable to a $51.3 million decrease in certificates of deposit, which was partially offset by a $24.7 million increase in interest-bearing checking and savings accounts.

In 2012 net interest income on a tax equivalent basis decreased to $31.5 million from $34.3 million in 2011.  The interest rate spread was 3.23% in 2012, a decrease from the 2011 net interest spread of 3.31%.  The net yield on interest-earning assets in 2012 decreased to 3.44% from the 2011 net yield on interest-earning assets of 3.55%.

Provision for Loan Losses.  Provisions for loan losses are charged to income in order to bring the total allowance for loan losses to a level deemed appropriate by management of the Company based on factors such as management’s judgment as to losses within the Bank’s loan portfolio, including the valuation of impaired loans, loan growth, net charge-offs, changes in the composition of the loan portfolio, delinquencies and management’s assessment of the quality of the loan portfolio and general economic climate.

The provision for loan losses was $2.6 million, $4.9 million, and $12.6 million for the years ended December 31, 2013, 2012 and 2011, respectively.  The decrease in the provision for loan losses is primarily attributable to a $3.6 million decrease in net charge-offs during the year ended December 31, 2013, compared to the year ended December 31, 2012 and a $3.8 million reduction in non-accrual loans from December 31, 2012 to December 31, 2013.  Please see the section below entitled “Allowance for Loan Losses” for a more complete discussion of the Bank’s policy for addressing potential loan losses.
 
 
A-11
 
 
Non-Interest Income.  Non-interest income was $12.7 million for the year ended December 31, 2013, compared to $12.5 million for the year ended December 31, 2012.  This increase is primarily attributable to a $554,000 reduction in losses and write-downs on other real estate owned properties and a $144,000 increase in income from the Bank’s subsidiary, Peoples Investment Services, Inc., and was partially offset by a $604,000 decrease in the gain on sale of securities for the year ended December 31, 2013, as compared to the year ended December 31, 2012.

Non-interest income totaled $12.5 million for the year ended December 31, 2012, compared to $14.5 million for the year ended December 31, 2011.  This decrease is primarily attributable to a $3.2 million decrease in the gains on sale of securities, which was partially offset by a $472,000 increase in mortgage banking income and a $362,000 increase in income from CBRES, for the year ended December 31, 2012, as compared to the year ended December 31, 2011.

 The Company periodically evaluates its investments for any impairment which would be deemed other-than-temporary.   No investment impairments were deemed other-than-temporary in 2013 or 2012.  As part of its evaluation in 2011, the Company determined that the fair value of one equity security was less than the original cost of the investment and that the decline in fair value was not temporary in nature.  As a result, the Company wrote down its investment by $144,000. The remaining fair value of the investment at December 31, 2011 was approximately $264,000.

Net losses on other real estate and repossessed assets were $581,000, $1.1 million and $1.3 million for 2013, 2012 and 2011, respectively.  The increased level of net losses on other real estate and repossessed assets during 2012 and 2011 were primarily attributable to increased write-downs on foreclosed property during the years ended December 31, 2012 and 2011.  Management determined that the market value of these assets had decreased significantly and charges were appropriate in 2012 and 2011.

Table 3 presents a summary of non-interest income for the years ended December 31, 2013, 2012 and 2011.

Table 3 - Non-Interest Income
            
             
(Dollars in thousands)
2013
  
2012
  
2011
  
Service charges
 $ 4,566   4,764   5,106  
Other service charges and fees
   1,172   1,940   2,090  
Other than temporary impairment losses
   -   -   (144 )
Gain on sale of securities
   614   1,218   4,406  
Mortgage banking income
   1,228   1,229   757  
Insurance and brokerage commissions
   661   517   471  
Loss on sale and write-down of other real estate
   (581 ) (1,136 ) (1,322 )
Visa debit card income
   2,990   2,092   1,783  
Net appraisal management fee income
   718   737   375  
Miscellaneous
   1,284   1,176   991  
Total non-interest income
 $ 12,652   12,537   14,513  
 
Non-Interest Expense.  Non-interest expense was $32.8 million for the year ended December 31, 2013, as compared to $31.8 million for the year ended December 31, 2012.  This increase is primarily due to the $530,000 Federal Home Loan Bank ("FHLB") prepayment penalty paid during the fourth quarter of 2013 and a $425,000 increase in salaries and employee benefits expense, which was primarily due to salary increases, an increase in the number of full-time equivalent employees and an increase in sales incentive expense during the year ended December 31, 2013, as compared to the year ended December 31, 2012.  Non-interest expense was $31.8 million for 2012 compared to $29.6 million for 2011.
 
 
A-12
 
 
Table 4 presents a summary of non-interest expense for the years ended December 31, 2013, 2012 and 2011.

Table 4 - Non-Interest Expense
          
           
(Dollars in thousands)
2013
  
2012
  
2011
Salaries and employee benefits
 $ 16,851   16,426   14,766
Occupancy expense
   5,539   5,236   5,339
Office supplies
   498   369   403
FDIC deposit insurance
   864   894   1,061
Visa debit card expense
   823   729   658
Professional services
   632   560   428
Postage
   230   284   326
Telephone
   570   554   605
Director fees and expense
   246   266   223
Advertising
   685   695   660
Consulting fees
   468   499   316
Taxes and licenses
   307   325   289
Foreclosure/OREO expense
   356   677   904
Internet banking expense
   568   593   509
FHLB advance prepayment penalty
   530   -   -
Other operating expense
   3,674   3,675   3,085
Total non-interest expense
 $ 32,841   31,782   29,572
 
Income Taxes.  The Company reported income tax expense of $1.9 million, $1.6 million and $1.5 million for the years ended December 31, 2013, 2012 and 2011, respectively.  The Company’s effective tax rates were 21.93%, 21.50% and 22.09% in 2013, 2012 and 2011, respectively.  The 2013, 2012 and 2011 effective tax rates are lower than historical levels due to increases in tax exempt investment income, which had a greater impact on the effective tax rate at the reduced level of earnings before income taxes as experienced in 2013, 2012 and 2011.

Liquidity. The objectives of the Company’s liquidity policy are to provide for the availability of adequate funds to meet the needs of loan demand, deposit withdrawals, maturing liabilities and to satisfy regulatory requirements.  Both deposit and loan customer cash needs can fluctuate significantly depending upon business cycles, economic conditions and yields and returns available from alternative investment opportunities.  In addition, the Company’s liquidity is affected by off-balance sheet commitments to lend in the form of unfunded commitments to extend credit and standby letters of credit.  As of December 31, 2013, such unfunded commitments to extend credit were $146.2 million, while commitments in the form of standby letters of credit totaled $4.4 million.

The Company uses several funding sources to meet its liquidity requirements.  The primary funding source is core deposits, which includes demand deposits, savings accounts and non-brokered certificates of deposits of denominations less than $100,000.  The Company considers these to be a stable portion of the Company’s liability mix and the result of on-going consumer and commercial banking relationships.  As of December 31, 2013, the Company’s core deposits totaled $683.9 million, or 86% of total deposits.

The other sources of funding for the Company are through large denomination certificates of deposit, including brokered deposits, federal funds purchased, securities under agreement to repurchase and FHLB borrowings.  The Bank is also able to borrow from the FRB on a short-term basis.  The Bank’s policies include the ability to access wholesale funding up to 40% of total assets.  The Bank’s wholesale funding includes FHLB borrowings, FRB borrowings, brokered deposits and internet certificates of deposit.  The Company’s ratio of wholesale funding to total assets was 7.83% as of December 31, 2013.

At December 31, 2013, the Bank had a significant amount of deposits in amounts greater than $100,000, including brokered deposits of $15.1 million, which have an average original term of eight months.  Brokered deposits include certificates of deposit participated through the Certificate of Deposit Account Registry Service (“CDARS”) on behalf of local customers.  CDARS balances totaled $15.1 million as of December 31, 2013.  The balance and cost of brokered deposits are more susceptible to changes in the interest rate environment than other deposits.   Access to the brokered deposit market could be restricted if the Bank were to fall below the well capitalized level.  For additional information, please see the section below entitled “Deposits.”
 
 
A-13
 
 
The Bank has a line of credit with the FHLB equal to 20% of the Bank’s total assets, with an outstanding balance of $65.0 million at December 31, 2013.  At December 31, 2013, the carrying value of loans pledged as collateral totaled approximately $132.9 million.  As additional collateral, the Bank has pledged securities to the FHLB.  At December 31, 2013, the market value of securities pledged to the FHLB totaled $17.3 million.  The remaining availability under the line of credit with the FHLB was $21.6 million at December 31, 2013.  The Bank had no borrowings from the FRB at December 31, 2013.  The FRB borrowings are collateralized by a blanket assignment on all qualifying loans that the Bank owns which are not pledged to the FHLB.  At December 31, 2013, the carrying value of loans pledged as collateral to the FRB totaled approximately $315.2 million.
 
The Bank also had the ability to borrow up to $62.5 million for the purchase of overnight federal funds from six correspondent financial institutions as of December 31, 2013.

The liquidity ratio for the Bank, which is defined as net cash, interest-bearing deposits with banks, federal funds sold and certain investment securities, as a percentage of net deposits and short-term liabilities was 35.65% at December 31, 2013, 35.14% at December 31, 2012 and 32.19% at December 31, 2011.  The minimum required liquidity ratio as defined in the Bank’s Asset/Liability and Interest Rate Risk Management Policy for on balance sheet liquidity is 10%.

As disclosed in the Company’s Consolidated Statements of Cash Flows included elsewhere herein, net cash provided by operating activities was approximately $37.4 million during 2013.  Net cash used in investing activities of $19.2 million consisted primarily of purchases of AFS investments totaling $98.1 million, which were partially offset by maturities, calls and sales of AFS investments, which totaled $63.6 million.  Net cash provided by financing activities amounted to $9.7 million, primarily due to a $17.8 million net increase in deposits and a $10.8 million increase in securities sold under agreements to repurchase, which were partially offset by a $12.5 million decrease in preferred stock.

Asset Liability and Interest Rate Risk Management.  The objective of the Company’s Asset Liability and Interest Rate Risk strategies is to identify and manage the sensitivity of net interest income to changing interest rates and to minimize the interest rate risk between interest-earning assets and interest-bearing liabilities at various maturities.  This is done in conjunction with the need to maintain adequate liquidity and the overall goal of maximizing net interest income. Table 5 presents an interest rate sensitivity analysis for the interest-earning assets and interest-bearing liabilities for the year ended December 31, 2013.

Table 5 - Interest Sensitivity Analysis
                
                       
(Dollars in thousands)
Immediate
  
1-3
months
  
4-12
months
  
Total
Within One
Year
  
Over One
Year & Non-sensitive
  
Total
Interest-earning assets:
                      
Loans
 $ 279,708   11,565   17,016   308,289   312,671   620,960
Mortgage loans held for  sale
   497   -   -   497   -   497
Investment securities available for sale
   -   11,297   24,204   35,501   262,389   297,890
Interest-bearing deposit accounts
   26,871   -   -   26,871   -   26,871
Other interest-earning assets
   -   -   -   -   5,609   5,609
Total interest-earning assets
   307,076   22,862   41,220   371,158   580,669   951,827
                         
Interest-bearing liabilities:
                        
NOW, savings, and money market deposits
   386,893   -   -   386,893   -   386,893
Time deposits
   18,667   33,563   74,806   127,036   90,167   217,203
FHLB borrowings
   -   -   -   -   65,000   65,000
Securities sold under
                        
agreement to repurchase
   45,396   -   -   45,396   -   45,396
Trust preferred securities
   -   20,619   -   20,619   -   20,619
Total interest-bearing liabilities
   450,956   54,182   74,806   579,944   155,167   735,111
                         
Interest-sensitive gap
 $ (143,880 ) (31,320 ) (33,586 ) (208,786 ) 425,502   216,716
                         
Cumulative interest-sensitive gap
 $ (143,880 ) (175,200 ) (208,786 ) (208,786 ) 216,716    
                         
Interest-earning assets as a percentage of interest-bearing liabilities
                
    68.09%   42.19%   55.10%   64.00%   374.22%    
 
The Company manages its exposure to fluctuations in interest rates through policies established by the Asset/Liability Committee (“ALCO”) of the Bank.  The ALCO meets quarterly and has the responsibility for approving asset/liability management policies, formulating and implementing strategies to improve balance sheet positioning and/or earnings and reviewing the interest rate sensitivity of the Company.  ALCO tries to minimize interest rate risk between interest-earning assets and interest-bearing liabilities by attempting to minimize wide fluctuations in net interest income
 
 
A-14
 
 
due to interest rate movements.  The ability to control these fluctuations has a direct impact on the profitability of the Company. Management monitors this activity on a regular basis through analysis of its portfolios to determine the difference between rate sensitive assets and rate sensitive liabilities.

The Company’s rate sensitive assets are those earning interest at variable rates and those with contractual maturities within one year.  Rate sensitive assets therefore include both loans and available-for-sale securities.  Rate sensitive liabilities include interest-bearing checking accounts, money market deposit accounts, savings accounts, time deposits and borrowed funds.  Rate sensitive assets at December 31, 2013 totaled $951.8 million, exceeding rate sensitive liabilities of $735.1 million by $216.7 million.

Included in the rate sensitive assets are $290.4 million in variable rate loans indexed to prime rate subject to immediate repricing upon changes by the Federal Open Market Committee (“FOMC”).  The Bank utilizes interest rate floors on certain variable rate loans to protect against further downward movements in the prime rate.  At December 31, 2013, the Bank had $203.1 million in loans with interest rate floors.  The floors were in effect on $200.6 million of these loans pursuant to the terms of the promissory notes on these loans.   The weighted average rate on these loans is 1.05% higher than the indexed rate on the promissory notes without interest rate floors.

The Company has an overall interest rate risk management strategy that incorporates the use of derivative instruments to minimize significant unplanned fluctuations in earnings that are caused by interest rate volatility.  By using derivative instruments, the Company is exposed to credit and market risk.  If the counterparty fails to perform, credit risk is equal to the extent of the fair-value gain in the derivative.  The Company minimizes the credit risk in derivative instruments by entering into transactions with high-quality counterparties that are reviewed periodically by the Company. The Company did not have any interest rate derivatives outstanding as of December 31, 2013.

An analysis of the Company’s financial condition and growth can be made by examining the changes and trends in interest-earning assets and interest-bearing liabilities.  A discussion of these changes and trends follows.

Analysis of Financial Condition
Investment Securities.  The composition of the investment securities portfolio reflects the Company’s investment strategy of maintaining an appropriate level of liquidity while providing a relatively stable source of income.  The investment portfolio also provides a balance to interest rate risk and credit risk in other categories of the balance sheet while providing a vehicle for the investment of available funds, furnishing liquidity, and supplying securities to pledge as required collateral for certain deposits.

All of the Company’s investment securities are held in the AFS category. At December 31, 2013, the market value of AFS securities totaled $297.9 million, compared to $297.8 million and $321.4 million at December 31, 2012 and 2011, respectively.  Table 6 presents the market value of the AFS securities held at December 31, 2013, 2012 and 2011.

Table 6 - Summary of Investment Portfolio
          
           
(Dollars in thousands)
2013
  
2012
  
2011
U. S. Government sponsored enterprises
 $ 22,143   18,837   7,694
State and political subdivisions
   145,368   125,658   97,097
Mortgage-backed securities
   123,977   148,024   213,693
Corporate bonds
   3,463   2,586   543
Trust preferred securities
   1,250   1,250   1,250
Equity securities
   1,689   1,468   1,111
Total securities
 $ 297,890   297,823   321,388
 
The Company’s investment portfolio consists of U.S. Government sponsored enterprise securities, municipal securities, U.S. Government sponsored enterprise mortgage-backed securities, corporate bonds, trust preferred securities and equity securities.  AFS securities averaged $293.8 million in 2013, $289.0 million in 2012 and $295.4 million in 2011.  Table 7 presents the amortized cost of AFS securities held by the Company by maturity category at December 31, 2013.   Yield information does not give effect to changes in fair value that are reflected as a component of shareholders’ equity.  Yields are calculated on a tax equivalent basis.  Yields and interest income on tax-exempt investments have been adjusted to a tax equivalent basis using an effective tax rate 38.55% for securities that are both federal and state tax exempt, an effective tax rate of 31.65% for federal tax exempt securities and an effective tax rate of 6.90% for state tax exempt securities.
 
 
A-15
 
 

Table 7 - Maturity Distribution and Weighted Average Yield on Investments
                
                                       
         
After One Year
  
After 5 Years
                
 
One Year or Less
  
Through 5 Years
  
Through 10 Years
  
After 10 Years
  
Totals
(Dollars in thousands)
Amount
  
Yield
  
Amount
  
Yield
  
Amount
  
Yield
  
Amount
  
Yield
  
Amount
  
Yield
Book value:
                                      
U.S. Government
                                      
sponsored enterprises
 $ 1,525   0.68%   4,920   2.07%   7,513   2.70%   8,185   2.33%   22,143   2.86%
State and political subdivisions
   2,523   3.35%   23,715   3.40%   107,371   3.03%   11,759   3.78%   145,368   3.41%
Mortgage-backed securities
   31,453   2.34%   57,370   2.49%   17,731   2.53%   17,423   2.67%   123,977   2.23%
Corporate bonds
   -   -   2,468   2.79%   995   1.24%   -   -   3,463   2.32%
Trust preferred securities
   -   -   -   -   1,000   4.34%   250   5.26%   1,250   4.89%
Equity securities
   -   -   -   -   -   -   1,689   0.00%   1,689   0.00%
Total securities
 $ 35,501   2.23%   88,473   2.61%   134,610   2.65%   39,306   2.84%   297,890   2.62%
 
    Loans.  The loan portfolio is the largest category of the Company’s earning assets and is comprised of commercial loans, real estate mortgage loans, real estate construction loans and consumer loans. The Bank grants loans and extensions of credit primarily within the Catawba Valley region of North Carolina, which encompasses Catawba, Alexander, Iredell and Lincoln counties and also in Mecklenburg, Union and Wake counties in North Carolina.

Although the Bank has a diversified loan portfolio, a substantial portion of the loan portfolio is collateralized by real estate, which is dependent upon the real estate market.  Real estate mortgage loans include both commercial and residential mortgage loans.  At December 31, 2013, the Bank had $105.6 million in residential mortgage loans, $85.5 million in home equity loans and $275.1 million in commercial mortgage loans, which include $220.5 million using commercial property as collateral and $54.6 million using residential property as collateral.   Residential mortgage loans include $56.1 million made to customers in the Bank’s traditional banking offices and $49.5 million in mortgage loans originated in the Bank’s Latino banking operations.  All residential mortgage loans are originated as fully amortizing loans, with no negative amortization.

At December 31, 2013, the Bank had $63.7 million in construction and land development loans.  Table 8 presents a breakout of these loans.

Table 8 - Construction and Land Development Loans
        
           
(Dollars in thousands)
Number of
Loans
  
Balance Outstanding
  
Non-accrual Balance
Land acquisition and development - commercial purposes
 64   $ 14,993   844
Land acquisition and development - residential purposes
 292     40,673   5,702
1 to 4 family residential construction
 30     4,663   -
Commercial construction
 6     3,413   -
Total acquisition, development and construction
 392   $ 63,742   6,546
 
The mortgage loans originated in the traditional banking offices are generally 15 to 30 year fixed rate loans with attributes that  prevent the loans from being sellable in the secondary market.  These factors may include higher loan-to-value ratio, limited documentation on income, non-conforming appraisal or non-conforming property type.  These loans are generally made to existing Bank customers and have been originated throughout the Bank’s seven county service area, with no geographic concentration.  At December 31, 2013, there were 27 mortgage loans originated in the traditional banking offices with an outstanding balance of $2.3 million that were 30 days or more past due and 10 loans with an outstanding balance of $1.6 million in non-accrual.

Banco de la Gente single family residential stated income loans originated from 2005 to 2009 were primarily adjustable rate mortgage loans that adjust annually after the end of the first five years of the loan.  The loans are tied to the one-year T-Bill index and, if they were to adjust at December 31, 2013, would have a reduction in the interest rate on the loan.  The underwriting on these loans includes both full income verification and no income verification, with loan-to-value ratios of up to 95% without private mortgage insurance.  A majority of these loans would be considered subprime loans, as they were underwritten using stated income rather than fully documented income verification.  No other loans in the Bank’s portfolio would be considered subprime.  The majority of these loans have been originated within the Charlotte, North Carolina metro area (Mecklenburg County).  At this time, Charlotte has experienced a decline in values within the residential real estate market.  At December 31, 2013, there were 107 loans with an outstanding balance of $11.1 million 30 days or more past due and 28 loans with an outstanding balance of $2.0 million in non-accrual.  Total losses on this portfolio, since the first loans were originated in 2004, have amounted to approximately $3.5 million through December 31, 2013.
 
 
A-16
 
 
The composition of the Bank’s loan portfolio is presented in Table 9.

Table 9 - Loan Portfolio
                          
                                       
 
2013
  
2012
  
2011
  
2010
  
2009
(Dollars in thousands)
Amount
  
% of Loans
  
Amount
  
% of Loans
  
Amount
  
% of Loans
  
Amount
  
% of Loans
  
Amount
  
% of Loans
Real estate loans
                                      
Construction and land development
 $ 63,742   10.27%   73,176   11.80%   93,812   13.99%   124,048   17.08%   169,680   21.81%
Single-family residential
   195,975   31.56%   195,003   31.45%   212,993   31.77%   232,294   31.99%   226,651   29.13%
Single-family residential- Banco de la
                                        
Gente stated income
   49,463   7.97%   52,019   8.39%   54,058   8.06%   55,013   7.58%   55,035   7.07%
Commercial
   209,287   33.70%   200,633   32.36%   214,415   31.98%   213,487   29.40%   224,975   28.92%
Multifamily and farmland
   11,801   1.90%   8,951   1.44%   4,793   0.71%   6,456   0.89%   6,302   0.81%
Total real estate loans
   530,268   85.39%   529,782   85.45   580,071   86.51%   631,298   86.94%   682,643   87.74%
                                         
Loans not secured by real estate                                        
Commercial loans
  68,047   10.97%   64,295   10.38%   60,646   9.05%   60,994   8.40%   67,487   8.67%
Farm loans
  19   0.00%   11   0.00%   -   0.00%   -   0.00%   -   0.00%
Consumer loans
  9,593   1.54%   10,148   1.64%   10,490   1.56%   11,500   1.58%   12,943   1.66%
All other loans
  13,033   2.10%   15,738   2.54%   19,290   2.88%   22,368   3.08%   14,983   1.93%
Total loans
   620,960   100.00%   619,974   100.00%   670,497   100.00%   726,160   100.00%   778,056   100.00%
                                         
Less: Allowance for loan losses
   13,501       14,423       16,604       15,493       15,413    
                                         
Net loans
 $ 607,459       605,551       653,893       710,667       762,643    
 
    As of December 31, 2013, gross loans outstanding were $621.0 million, compared to $620.0 million at December 31, 2012.  Loans originated or renewed during the year ended December 31, 2013, amounting to approximately $138.3 million, were offset by paydowns and payoffs of existing loans.  Included in the loans originated during the year ended December 31, 2013 were $10.0 million in participation loans.  These included a $6.0 million participation in a church loan with another North Carolina bank, which was originated during the third quarter of 2013 and $4.0 million in a multinational commercial loan, which was originated during the second quarter of 2013.   While it is management’s intention to grow loans in its local market, the Bank is open to opportunities to lend in other markets.  The Bank underwrites all participation loans to the same standards as loans in its own market.  Average loans represented 65% and 67% of total earning assets for the years ended December 31, 2013 and 2012, respectively.  The Bank had $497,000 and $6.9 million in mortgage loans held for sale as of December 31, 2013 and 2012, respectively.

Total TDR loans amounted to $21.9 million and $23.9 million at December 31, 2013 and 2012, respectively.  The terms of these loans have been renegotiated to provide a reduction in principal or interest as a result of the deteriorating financial position of the borrower.  There were $335,000 and $2.0 million in performing loans classified as TDR loans at December 31, 2013 and 2012, respectively.

Table 10 identifies the maturities of all loans as of December 31, 2013 and addresses the sensitivity of these loans to changes in interest rates.
 
 
A-17
 
 
 
Table 10 - Maturity and Repricing Data for Loans
            
               
(Dollars in thousands)
Within one
year or less
  
After one year through five
years
  
After five
years
  
Total loans
Real estate loans
              
    Construction and land development
 $ 51,841   8,966   2,935   63,742
    Single-family residential
   94,874   55,242   45,531   195,647
    Single-family residential- Banco de la Gente
                
    stated income
   20,074   -   29,389   49,463
    Commercial
   97,261   72,666   39,360   209,287
    Multifamily and farmland
   3,799   5,274   2,728   11,801
            Total real estate loans
   268,177   142,148   119,943   530,268
                 
Loans not secured by real estate                
Commercial loans
  49,702   13,041   5,304   68,047
Farm loans
  10   9   -   19
Consumer loans
  3,998   4,942   654   9,593
All other loans
  9,088   2,294   1,651   13,033
Total loans
 $ 330,974   162,434   127,552   620,960
                 
Total fixed rate loans
 $ 22,686   141,309   127,552   291,547
Total floating rate loans
   308,289   21,124   -   329,413
                 
Total loans
 $ 330,974   162,434   127,552   620,960
 
In the normal course of business, there are various commitments outstanding to extend credit that are not reflected in the financial statements. At December 31, 2013, outstanding loan commitments totaled $146.2 million.  Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the commitment contract.  Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee.  Since many of the commitments may expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements.  Additional information regarding commitments is provided below in the section entitled “Contractual Obligations and Off-Balance Sheet Arrangements” and in Note 10 to the Consolidated Financial Statements.

Allowance for Loan Losses.  The allowance for loan losses reflects management’s assessment and estimate of the risks associated with extending credit and its evaluation of the quality of the loan portfolio.  The Bank periodically analyzes the loan portfolio in an effort to review asset quality and to establish an allowance for loan losses that management believes will be adequate in light of anticipated risks and loan losses.  In assessing the adequacy of the allowance, size, quality and risk of loans in the portfolio are reviewed. Other factors considered are:

·  
the Bank’s loan loss experience;
·  
the amount of past due and non-performing loans;
·  
specific known risks;
·  
the status and amount of other past due and non-performing assets;
·  
underlying estimated values of collateral securing loans;
·  
current and anticipated economic conditions; and
·  
other factors which management believes affect the allowance for potential credit losses.

Management uses several measures to assess and monitor the credit risks in the loan portfolio, including a loan grading system that begins upon loan origination and continues until the loan is collected or collectibility becomes doubtful. Upon loan origination, the Bank’s originating loan officer evaluates the quality of the loan and assigns one of eight risk grades. The loan officer monitors the loan’s performance and credit quality and makes changes to the credit grade as conditions warrant. When originated or renewed, all loans over a certain dollar amount receive in-depth reviews and risk assessments by the Bank’s Credit Administration. Before making any changes in these risk grades, management considers assessments as determined by the third party credit review firm (as described below), regulatory examiners and the Bank’s Credit Administration. Any issues regarding the risk assessments are addressed by the Bank’s senior credit administrators and factored into management’s decision to originate or renew the loan. The Bank’s Board of Directors reviews, on a monthly basis, an analysis of the Bank’s reserves relative to the range of reserves estimated by the Bank’s Credit Administration.
 
 
A-18
 
 
As an additional measure, the Bank engages an independent third party to review the underwriting, documentation and risk grading analyses. This independent third party reviews and evaluates loan relationships greater than $1.0 million, excluding loans in default, loans in process of litigation or liquidation and loans that have been reviewed by regulatory examiners within six months prior to the independent third party review.  The third party’s evaluation and report is shared with management and the Bank’s Board of Directors.

Management considers certain commercial loans with weak credit risk grades to be individually impaired and measures such impairment based upon available cash flows and the value of the collateral. Allowance or reserve levels are estimated for all other graded loans in the portfolio based on their assigned credit risk grade, type of loan and other matters related to credit risk.

Management uses the information developed from the procedures described above in evaluating and grading the loan portfolio. This continual grading process is used to monitor the credit quality of the loan portfolio and to assist management in estimating the allowance for loan losses.

The allowance for loan losses is comprised of three components: specific reserves, general reserves and unallocated reserves.  After a loan has been identified as impaired, management measures impairment.  When the measure of the impaired loan is less than the recorded investment in the loan, the amount of the impairment is recorded as a specific reserve. These specific reserves are determined on an individual loan basis based on management’s current evaluation of the Bank’s loss exposure for each credit, given the appraised value of any underlying collateral. Loans for which specific reserves are provided are excluded from the general allowance calculations as described below.

The general allowance reflects reserves established under GAAP for collective loan impairment.  These reserves are based upon historical net charge-offs using the greater of the last two or three years’ loss experience.  This charge-off experience may be adjusted to reflect the effects of current conditions.  The Bank considers information derived from its loan risk ratings and external data related to industry and general economic trends in establishing reserves.

The unallocated allowance is determined through management’s assessment of probable losses that are in the portfolio but are not adequately captured by the other two components of the allowance, including consideration of current economic and business conditions and regulatory requirements. The unallocated allowance also reflects management’s acknowledgement of the imprecision and subjectivity that underlie the modeling of credit risk.  Due to the subjectivity involved in determining the overall allowance, including the unallocated portion, the unallocated portion may fluctuate from period to period based on management’s evaluation of the factors affecting the assumptions used in calculating the allowance.

Management considers the allowance for loan losses adequate to cover the estimated losses inherent in the Bank’s loan portfolio as of the date of the financial statements. Management believes it has established the allowance in accordance with GAAP and in consideration of the current economic environment. Although management uses the best information available to make evaluations, significant future additions to the allowance may be necessary based on changes in economic and other conditions, thus adversely affecting the operating results of the Company.

There were no significant changes in the estimation methods or fundamental assumptions used in the evaluation of the allowance for loan losses for the year ended December 31, 2013 as compared to the year ended December 31, 2012.   Revisions, estimates and assumptions may be made in any period in which the supporting factors indicate that loss levels may vary from the previous estimates.

Effective December 31, 2012, stated income mortgage loans from the Banco de la Gente division of the Bank were analyzed separately from other single family residential loans in the Bank’s loan portfolio.  These loans are first mortgage loans made to the Latino market, primarily in Mecklenburg and surrounding counties.  These loans are non-traditional mortgages in that the customer normally did not have a credit history, so all credit information was accumulated by the loan officers.  These loans were made as stated income loans rather than full documentation loans because the customer may not have had complete documentation on the income supporting the loan.

Various regulatory agencies, as an integral part of their examination process, periodically review the Bank’s allowance for loan losses. Such agencies may require adjustments to the allowance based on their judgments of information available to them at the time of their examinations.  Management believes it has established the allowance for credit losses pursuant to GAAP, and has taken into account the views of its regulators and the current economic environment.

 
A-19
 
 
Net charge-offs for 2013 were $3.5 million.  The ratio of net charge-offs to average total loans was 0.57% in 2013, 1.10% in 2012 and 1.65% in 2011.  The Bank strives to proactively work with its customers to identify potential problems.  If found, the Bank works to quickly recognize identifiable losses and to establish a plan, with the borrower, if possible, to have the loans paid off.  This process increased the levels of charge-offs and provision for loan losses in 2010 through 2013 as compared to historical periods prior to 2009.  Management expects the ratio of net charge-offs to average total loans to remain at a level above historical norms in 2014 due to current economic conditions and the higher than normal levels of non-performing and past due loans.   The allowance for loan losses was $13.5 million or 2.17% of total loans outstanding at December 31, 2013.  For December 31, 2012 and 2011, the allowance for loan losses amounted to $14.4 million or 2.33% of total loans outstanding and $16.6 million, or 2.48% of total loans outstanding, respectively.

Table 11 presents the percentage of loans assigned to each risk grade at December 31, 2013 and 2012.

Table 11 - Loan Risk Grade Analysis
        
 
Percentage of Loans
  
 
By Risk Grade
  
Risk Grade
2013
  
2012
  
Risk Grade 1 (Excellent Quality)
2.40%
  
2.93%
  
Risk Grade 2 (High Quality)
18.82%
  
16.94%
  
Risk Grade 3 (Good Quality)
49.49%
  
47.74%
  
Risk Grade 4 (Management Attention)
18.69%
  
20.70%
  
Risk Grade 5 (Watch)
5.05%
  
5.07%
  
Risk Grade 6 (Substandard)
5.25%
  
6.26%
  
Risk Grade 7 (Doubtful)
0.00%
  
0.00%
  
Risk Grade 8 (Loss)
0.00%
  
0.00%
 
 
Table 12 presents an analysis of the allowance for loan losses, including charge-off activity.
 
Table 12 - Analysis of Allowance for Loan Losses
            
                     
(Dollars in thousands)
2013
  
2012
  
2011
  
2010
  
2009
  
Allowance for loan losses at beginning
 $ 14,423   16,604   15,493   15,413   11,025  
                       
Loans charged off:
                      
Commercial
   502   555   314   1,730   697  
Real estate - mortgage
   2,441   2,491   4,196   4,194   3,384  
Real estate - construction
   777   4,728   7,164   10,224   1,754  
Consumer
   652   557   586   763   835  
Total loans charged off
   4,372   8,331   12,260   16,911   6,670  
                       
Recoveries of losses previously charged off:
                      
Commercial
   44   104   121   62   111  
Real estate - mortgage
   302   446   225   162   161  
Real estate - construction
   377   528   241   89   36  
Consumer
   143   148   152   240   215  
Total recoveries
   866   1,226   739   553   523  
Net loans charged off
   3,506   7,105   11,521   16,358   6,147  
                       
Provision for loan losses
   2,584   4,924   12,632   16,438   10,535  
                       
Allowance for loan losses at end of year
 $ 13,501   14,423   16,604   15,493   15,413  
                       
Loans charged off net of recoveries, as
                      
a percent of average loans outstanding
   0.57%   1.10%   1.65%   2.16%   0.79%  
                       
Allowance for loan losses as a percent
                      
of total loans outstanding at end of year
   2.17%   2.33%   2.48%   2.13%   1.98%  
 
Non-performing Assets.  Non-performing assets totaled $16.4 million at December 31, 2013 or 1.58% of total assets, compared to $26.3 million at December 31, 2012, or 2.60% of total assets.  Non-accrual loans were $13.8 million at December 31, 2013 and $17.6 million at December 31, 2012.  As a percentage of total loans outstanding, non-accrual loans were 2.23% at December 31, 2013 compared to 2.84% at December 31, 2012.  Non-accrual loans include $6.5 million in construction and land development loans, $7.0 million in commercial and residential mortgage loans and $277,000 in other loans at December 31, 2013, as compared to $9.2 million in construction and land development loans,
 
 
A-20
 
 
$8.0 million in commercial and residential mortgage loans and $391,000 in other loans at December 31, 2012.  The Bank had loans 90 days past due and still accruing totaling $882,000 and $2.4 million as of December 31, 2013 and December 31, 2012, respectively.  Other real estate owned totaled $1.7 million as of December 31, 2013 as compared to $6.3 million at December 31, 2012. The Bank had no repossessed assets as of December 31, 2013. The Bank had repossessed assets amounting to $10,000 as of December 31, 2012.

At December 31, 2013, the Bank had non-performing loans, defined as non-accrual and accruing loans past due more than 90 days, of $14.7 million or 2.37% of total loans.  Non-performing loans at December 31, 2012 were $20.0 million, or 3.23% of total loans.

Management continually monitors the loan portfolio to ensure that all loans potentially having a material adverse impact on future operating results, liquidity or capital resources have been classified as non-performing.  Should economic conditions deteriorate, the inability of distressed customers to service their existing debt could cause higher levels of non-performing loans.  While 2013 did see improvement in many leading economic indicators, management believes that the economy in 2014 will not improve to a point such that non-performing loans would return to historically low levels.

It is the general policy of the Bank to stop accruing interest income when a loan is placed on non-accrual status and any interest previously accrued but not collected is reversed against current income.  Generally a loan is placed on non-accrual status when it is over 90 days past due and there is reasonable doubt that all principal will be collected.

A summary of non-performing assets at December 31 for each of the years presented is shown in Table 13.

Table 13 - Non-performing Assets
          
                   
(Dollars in thousands)
2013
  
2012
  
2011
  
2010
  
2009
Non-accrual loans
 $ 13,836   $ 17,630   21,785   40,062   22,789
Loans 90 days or more past due and still accruing
   882     2,403   2,709   210   1,977
Total non-performing loans
   14,718     20,033   24,494   40,272   24,766
All other real estate owned
   1,679     6,254   7,576   6,673   3,997
Repossessed assets
   -     10   -   -   -
Total non-performing assets
 $ 16,397   $ 26,297   32,070   46,945   28,763
                       
As a percent of total loans at year end
                      
Non-accrual loans
   2.23%     2.84%   3.25%   5.5%2   2.93%
Loans 90 days or more past due and still accruing
   0.14%     0.39%   0.40%   0.03%   0.25%
Total non-performing assets
   2.64%     4.24%   4.78%   6.46%   3.70%
                       
Total non-performing assets
                      
as a percent of total assets at year end
   1.58%     2.60%   3.01%   4.40%   2.74%
                       
Total non-performing loans
                      
 as a percent of total loans at year-end
   2.37%     3.23%   3.65%   5.55%   3.18%
 
           Deposits.  The Company primarily uses deposits to fund its loan and investment portfolios. The Company offers a variety of deposit accounts to individuals and businesses. Deposit accounts include checking, savings, money market and time deposits. As of December 31, 2013, total deposits were $799.4 million, compared to $781.5 million at December 31, 2012.  Core deposits, which include demand deposits, savings accounts and non-brokered certificates of deposits of denominations less than $100,000, amounted to $683.9 million at December 31, 2013, compared to $646.4 million at December 31, 2012.

Time deposits in amounts of $100,000 or more totaled $115.3 million and $134.7 million at December 31, 2013 and 2012, respectively.  At December 31, 2013, brokered deposits amounted to $15.1 million as compared to $21.4 million at December 31, 2012.  CDARS balances included in brokered deposits amounted to $15.1 million and $20.1 million as of December 31, 2013 and 2012, respectively.  Brokered deposits are generally considered to be more susceptible to withdrawal as a result of interest rate changes and to be a less stable source of funds, as compared to deposits from the local market.  Brokered deposits outstanding as of December 31, 2013 have a weighted average rate of 0.14% with a weighted average original term of eight months.
 
 
A-21
 
 
Table 14 is a summary of the maturity distribution of time deposits in amounts of $100,000 or more as of December 31, 2013.

Table 14 - Maturities of Time Deposits over $100,000
  
   
   
   
(Dollars in thousands)
2013
Three months or less
 $ 28,418
Over three months through six months
   14,488
Over six months through twelve months
   18,670
Over twelve months
   53,692
Total
 $ 115,268
 
Borrowed Funds. The Company has access to various short-term borrowings, including the purchase of federal funds and borrowing arrangements from the FHLB and other financial institutions.  At December 31, 2013 and 2012, FHLB borrowings totaled $65.0 million and $70.0 million, respectively. Average FHLB borrowings for 2013 and 2012 were $69.7 million and $70.4 million, respectively. The maximum amount of outstanding FHLB borrowings was $70.0 million in 2013 and $82.5 million in 2012. The FHLB borrowings outstanding at December 31, 2013 had interest rates ranging from 1.80% to 4.26% and maturity dates ranging from 2014 to 2019.  Additional information regarding FHLB borrowings is provided in Note 6 to the Consolidated Financial Statements.

The Bank had no borrowings from the FRB at December 31, 2013 and 2012.  FRB borrowings are collateralized by a blanket assignment on all qualifying loans that the Bank owns which are not pledged to the FHLB.  At December 31, 2013, the carrying value of loans pledged as collateral totaled approximately $315.2 million.

Securities sold under agreements to repurchase amounted to $45.4 million and $34.6 million as of December 31, 2013 and 2012, respectively.

Junior Subordinated Debentures (related to Trust Preferred Securities).  In June 2006, the Company formed a wholly owned Delaware statutory trust, PEBK Capital Trust II (“PEBK Trust II”), which issued $20.0 million of guaranteed preferred beneficial interests in the Company’s junior subordinated deferrable interest debentures.  All of the common securities of PEBK Trust II are owned by the Company.  The proceeds from the issuance of the common securities and the trust preferred securities were used by PEBK Trust II to purchase $20.6 million of junior subordinated debentures of the Company, which pay a floating rate equal to three-month LIBOR plus 163 basis points.  The proceeds received by the Company from the sale of the junior subordinated debentures were used to repay in December 2006 the trust preferred securities issued in December 2001 by PEBK Capital Trust, a wholly owned Delaware statutory trust of the Company, and for general purposes.  The debentures represent the sole asset of PEBK Trust II.  PEBK Trust II is not included in the Consolidated Financial Statements.

The trust preferred securities issued by PEBK Trust II accrue and pay quarterly at a floating rate of three-month LIBOR plus 163 basis points.  The Company has guaranteed distributions and other payments due on the trust preferred securities to the extent PEBK Trust II does not have funds with which to make the distributions and other payments.  The net combined effect of the trust preferred securities transaction is that the Company is obligated to make the distributions and other payments required on the trust preferred securities.

These trust preferred securities are mandatorily redeemable upon maturity of the debentures on June 28, 2036, or upon earlier redemption as provided in the indenture.  The Company has the right to redeem the debentures purchased by PEBK Trust II, in whole or in part, which became effective on June 28, 2011.  As specified in the indenture, if the debentures are redeemed prior to maturity, the redemption price will be the principal amount and any accrued but unpaid interest.

Contractual Obligations and Off-Balance Sheet Arrangements.  The Company’s contractual obligations and other commitments as of December 31, 2013 are summarized in Table 15 below.  The Company’s contractual obligations include the repayment of principal and interest related to FHLB advances and junior subordinated debentures, as well as certain payments under current lease agreements.  Other commitments include commitments to extend credit.  Because not all of these commitments to extend credit will be drawn upon, the actual cash requirements are likely to be significantly less than the amounts reported for other commitments below.
 
 
A-22
 
 

Table 15 - Contractual Obligations and Other Commitments
                
                   
(Dollars in thousands)
Within One
Year
One to
Three Years
Three to
Five Years
Five Years
or More
Total
Contractual Cash Obligations
                  
Long-term borrowings
 $ 5,000   5,000   50,000   5,000   65,000
Junior subordinated debentures
   -   -   -   20,619   20,619
Operating lease obligations
   549   1,036   905   1,253   3,743
Total
 $ 5,549   6,036   50,905   26,872   89,362
                     
Other Commitments
                    
Commitments to extend credit
 $ 64,157   7,950   10,825   63,311   146,243
Standby letters of credit
                    
and financial guarantees written
   4,361   -   -   -   4,361
Total
 $ 68,518   7,950   10,825   63,311   150,604
 
The Company enters into derivative contracts to manage various financial risks.  A derivative is a financial instrument that derives its cash flows, and therefore its value, by reference to an underlying instrument, index or referenced interest rate.  Derivative contracts are carried at fair value on the consolidated balance sheet with the fair value representing the net present value of expected future cash receipts or payments based on market interest rates as of the balance sheet date.  Derivative contracts are written in amounts referred to as notional amounts, which only provide the basis for calculating payments between counterparties and are not a measure of financial risk.  Therefore, the derivative amounts recorded on the balance sheet do not represent the amounts that may ultimately be paid under these contracts.  Further discussions of derivative instruments are included above in the section entitled “Asset Liability and Interest Rate Risk Management” beginning on page A-14 and in Notes 1, 10, 11 and 16 to the Consolidated Financial Statements.

Capital Resources.  Shareholders’ equity was $83.7 million as of December 31, 2013, compared to $97.7 million as of December 31, 2012.  This decrease reflects the Company’s repurchase and redemption of its Series A preferred stock combined with a reduction in accumulated other comprehensive income resulting from a decrease in the unrealized gain on investment securities.  Management expects the repurchase of the Company’s preferred stock, which has a liquidation preference of $12,524,000, to be approximately $0.18 accretive to the Company’s diluted earnings per common share in 2014 based on current interest rates.

During 2012, the Company purchased 12,530 shares of the Company’s 25,054 outstanding shares of Series A preferred stock from the UST.  The shares were purchased for $933.36 per share, for a total purchase price of $11,778,576, including $83,575 accrued and unpaid dividends on the Series A preferred stock.  The Company retired the 12,530 shares purchased.  The $834,999 difference between the $12,530,000 face value of the Series A preferred stock retired and the $11,695,001 purchase price of the Series A preferred stock retired was credited to retained earnings effective June 30, 2012.

During 2012, the Company completed its repurchase of the Warrant to purchase 357,234 shares of the Company’s common stock that was issued to the UST.  The Company repurchased the Warrant for a total price of $425,000.

Average shareholders’ equity as a percentage of total average assets is one measure used to determine capital strength.   Average shareholders’ equity as a percentage of total average assets was 9.79%, 10.08% and 9.55% for 2013, 2012 and 2011, respectively.   The return on average shareholders’ equity was 6.67% at December 31, 2013 as compared to 5.58% and 5.03% as of December 31, 2012 and December 31, 2011, respectively.  Total cash dividends paid on common stock amounted to $677,000, $1.0 million and $443,000 during 2013, 2012 and 2011, respectively.  The Company paid dividends totaling $656,000, $1.0 million and $1.3 million on preferred stock during 2013, 2012 and 2011, respectively.

The Board of Directors, at its discretion, can issue shares of preferred stock up to a maximum of 5,000,000 shares.  The Board is authorized to determine the number of shares, voting powers, designations, preferences, limitations and relative rights.

Under regulatory capital guidelines, financial institutions are currently required to maintain a total risk-based capital ratio of 8.0% or greater, with a Tier 1 risk-based capital ratio of 4.0% or greater.  Tier 1 capital is generally defined as shareholders’ equity and trust preferred securities less all intangible assets and goodwill.  Tier 1 capital at December 31, 2013, 2012 and 2011 includes $20.0 million in trust preferred securities. The Company’s Tier 1 capital
 
 
A-23
 
 
ratio was 14.83%, 16.04% and 16.10% at December 31, 2013, 2012 and 2011, respectively.  Total risk-based capital is defined as Tier 1 capital plus supplementary capital.  Supplementary capital, or Tier 2 capital, consists of the Company’s allowance for loan losses, not exceeding 1.25% of the Company’s risk-weighted assets. Total risk-based capital ratio is therefore defined as the ratio of total capital (Tier 1 capital and Tier 2 capital) to risk-weighted assets.  The Company’s total risk-based capital ratio was 16.14%, 17.34% and17.38% at December 31, 2013, 2012 and 2011, respectively.  In addition to the Tier 1 and total risk-based capital requirements, financial institutions are also required to maintain a leverage ratio of Tier 1 capital to total average assets of 4.0% or greater.  The Company’s Tier 1 leverage capital ratio was 10.08%, 11.12% and11.06% at December 31, 2013, 2012 and 2011, respectively.

The Bank’s Tier 1 risk-based capital ratio was 14.43%, 15.54% and 13.76% at December 31, 2013, 2012 and 2011, respectively.  The total risk-based capital ratio for the Bank was 15.73%, 16.84% and 15.04% at December 31, 2013, 2012 and 2011, respectively.   The Bank’s Tier 1 leverage capital ratio was 9.79%, 10.76% and 9.44% at December 31, 2013, 2012 and 2011, respectively.

A bank is considered to be “well capitalized” if it has a total risk-based capital ratio of 10.0 % or greater, a Tier 1 risk-based capital ratio of 6.0% or greater, and has a leverage ratio of 5.0% or greater.  Based upon these guidelines, the Bank was considered to be “well capitalized” at December 31, 2013, 2012 and 2011.

On July 2, 2013, the Federal Reserve Board approved its final rule on the Basel III capital standards, which implement changes to the regulatory capital framework for banking organizations.  Capital levels at the Company and the Bank currently exceed the new capital requirements, which will be effective on January 1, 2015.

The Company’s key equity ratios as of December 31, 2013, 2012 and 2011 are presented in Table 16.

Table 16 - Equity Ratios
      
       
 
2013
2012
2011
Return on average assets
 0.65% 0.56% 0.48%
Return on average equity
 6.67% 5.58% 5.03%
Dividend payout ratio *
 11.17% 20.96% 11.78%
Average equity to average assets
 9.79% 10.08% 9.55%
       
* As a percentage of net earnings available to common shareholders.
      
 
Quarterly Financial Data.  The Company’s consolidated quarterly operating results for the years ended December 31, 2013 and 2012 are presented in Table 17.

Table 17 - Quarterly Financial Data
                    
                               
 
2013
  
2012
(Dollars in thousands, except per share amounts)
First
Second
Third
Fourth
First
Second
Third
Fourth
Total interest income
 $ 9,103   8,909   9,188   9,496   $ 10,362   9,835   9,655   9,393
Total interest expense
   1,463   1,372   1,285   1,233     2,218   1,987   1,842   1,649
Net interest income
   7,640   7,537   7,903   8,263     8,144   7,848   7,813   7,744
                                   
Provision for loan losses
   1,053   773   337   421     2,049   1,603   761   511
Other income
   3,427   3,309   3,111   2,805     3,380   3,593   2,886   2,678
Other expense
   7,738   7,979   7,889   9,235     7,271   7,843   8,156   8,512
Income before income taxes
   2,276   2,094   2,788   1,412     2,204   1,995   1,782   1,399
                                   
Income taxes
   518   461   870   30     545   486   369   187
Net earnings
   1,758   1,633   1,918   1,382     1,659   1,509   1,413   1,212
                                   
Dividends and accretion of preferred stock
   157   156   156   187     348   348   157   157
Net earnings available
                                  
to common shareholders
 $ 1,601   1,477   1,762   1,195   $ 1,311   1,161   1,256   1,055
                                   
                                   
Basic earnings per common share
   0.29   0.26   0.31   0.22   $ 0.24   0.21   0.23   0.18
Diluted earnings per common share
 $ 0.29   0.26   0.31   0.21   $ 0.24   0.21   0.23   0.18
 
 
 
A-24
 
 
QUANTATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

Market risk reflects the risk of economic loss resulting from adverse changes in market prices and interest rates.  This risk of loss can be reflected in either diminished current market values or reduced potential net interest income in future periods.

The Company’s market risk arises primarily from interest rate risk inherent in its lending and deposit taking activities. The structure of the Company’s loan and deposit portfolios is such that a significant decline (increase) in interest rates may adversely (positively) impact net market values and interest income. Management seeks to manage the risk through the utilization of its investment securities and off-balance sheet derivative instruments. During the years ended December 31, 2013, 2012 and 2011, the Company used interest rate contracts to manage market risk as discussed above in the section entitled “Asset Liability and Interest Rate Risk Management.”

Table 18 presents in tabular form the contractual balances and the estimated fair value of the Company’s on-balance sheet financial instruments at their expected maturity dates for the period ended December 31, 2013. The expected maturity categories take into consideration historical prepayment experience as well as management’s expectations based on the interest rate environment at December 31, 2013.  For core deposits without contractual maturity (i.e. interest-bearing checking, savings, and money market accounts), the table presents principal cash flows based on management’s judgment concerning their most likely runoff or repricing behaviors.
 
Table 18 - Market Risk Table
                  
                           
(Dollars in thousands)
Principal/Notional Amount Maturing in Year Ended December 31,
Loans Receivable
2014
  
2015
  
2016
  
2017 &
2018
  
Thereafter
  
Total
  
Fair Value
Fixed rate
 $ 48,336   43,370   31,685   77,813   95,200   296,404   301,077
Average interest rate
   4.65%   5.42%   5.34%   4.93%   5.33%        
Variable rate
 $ 96,463   39,557   27,156   53,135   108,742   325,053   325,053
Average interest rate
   4.69%   4.78%   4.61%   4.39%   4.35%        
                        621,457   626,130
Investment Securities
   .                        
Interest bearing cash
 $ 26,871   -   -   -   -   26,871   26,871
Average interest rate
   0.26%   -   -   -   -        
Securities available for sale
 $ 35,501   11,966   10,428   24,563   215,432   297,890   297,890
Average interest rate
   4.65%   4.85%   4.93%   4.55%   4.70%        
Nonmarketable equity securities
 $ -   -   -   -   4,990   4,990   4,990
Average interest rate
   -   -   -   -   2.37%        
                             
Debt Obligations
                            
Deposits
 $ 127,062   48,673   22,497   19,001   582,128   799,361   798,460
Average interest rate
   0.41%   0.92%   1.04%   1.04%   0.11%        
Advances from FHLB
 $ 5,000   -   5,000   50,000   5,000   65,000   65,891
Average interest rate
   2.23%   -   3.73%   3.34%   4.26%        
Securities sold under agreement to repurchase
 $ 45,396                   45,396   45,396
Average interest rate
   0.10%                        
Junior subordinated debentures
 $ -   -   -   -   20,619   20,619   20,619
Average interest rate
   -   -   -   -   1.82%        
 
 
 
A-25
 
 
Table 19 presents the simulated impact to net interest income under varying interest rate scenarios and the theoretical impact of rate changes over a twelve-month period referred to as “rate ramps.”  The table shows the estimated theoretical impact on the Company’s tax equivalent net interest income from hypothetical rate changes of plus and minus 1%, 2% and 3% as compared to the estimated theoretical impact of rates remaining unchanged.  The table also shows the simulated impact to market value of equity under varying interest rate scenarios and the theoretical impact of immediate and sustained rate changes referred to as “rate shocks” of plus and minus 1%, 2% and 3% as compared to the theoretical impact of rates remaining unchanged.  The prospective effects of the hypothetical interest rate changes are based upon various assumptions, including relative and estimated levels of key interest rates.  This type of modeling has limited usefulness because it does not allow for the strategies management would utilize in response to sudden and sustained rate changes.  Also, management does not believe that rate changes of the magnitude presented are likely in the forecast period presented.
 
Table 19 - Interest Rate Risk
      
           
(Dollars in thousands)
      
   
Estimated Resulting Theoretical Net
Interest Income
  
Hypothetical rate change (ramp over 12 months)
  
Amount
  
% Change
  
  +3%   $ 33,917   1.51%  
  +2%   $ 34,124   2.12%  
  +1%   $ 33,655   0.72%  
  0%   $ 33,414   0.00%  
  -1%   $ 32,680   -2.20%  
  -2%   $ 31,648   -5.29%  
  -3%   $ 30,972   -7.31%  
               
               
               
     
Estimated Resulting Theoretical
Market Value of Equity
  
Hypothetical rate change (immediate shock)
  
Amount
  
% Change
  
  +3%   $ 95,388   -14.13%  
  +2%   $ 109,439   -1.49%  
  +1%   $ 113,431   2.11%  
  0%   $ 111,089   0.00%  
  -1%   $ 99,619   -10.33%  
  -2%   $ 88,628   -20.22%  
  -3%   $ 79,381   -28.54%  
 
 
 
A-26
 
 
 
PEOPLES BANCORP OF NORTH CAROLINA, INC. AND SUBSIDIARIES
Consolidated Financial Statements
December 31, 2013, 2012 and 2011
     
     
INDEX
   
PAGE(S)
     
     
Report of Independent Registered Public Accounting Firm on the Consolidated Financial Statements
A-28
     
Financial Statements
  
 
Consolidated Balance Sheets at December 31, 2013 and 2012
A-29
     
 
Consolidated Statements of Earnings for the years ended December 31, 2013, 2012 and 2011
A-30
     
 
Consolidated Statements of Comprehensive Income (Loss) for the years ended December 31, 2013, 2012 and 2011
A-31
     
 
Consolidated Statements of Changes in Shareholders' Equity for the years ended December 31, 2013, 2012 and 2011
 A-32
     
 
Consolidated Statements of Cash Flows for the years ended December 31, 2013, 2012 and 2011
A-33 - A-34
     
 
Notes to Consolidated Financial Statements
A-35 - A-64
     
     

 
 
A-27
 

 
Opinion for Peoples Bank 2013 Audit YE
 
 
A-28
 
 
 
PEOPLES BANCORP OF NORTH CAROLINA, INC. AND SUBSIDIARIES
           
Consolidated Balance Sheets
           
December 31, 2013 and 2012
           
(Dollars in thousands)
Assets
2013
    
2012
  
           
           
Cash and due from banks, including reserve requirements
 $ 49,902     32,617  
of $11,472 at 12/31/13 and $9,625 at 12/31/12
            
Interest-bearing deposits
   26,871     16,226  
Cash and cash equivalents
   76,773     48,843  
             
Investment securities available for sale
   297,890     297,823  
Other investments
   4,990     5,599  
Total securities
   302,880     303,422  
             
Mortgage loans held for sale
   497     6,922  
             
Loans
   620,960     619,974  
Less allowance for loan losses
   (13,501 )   (14,423 )
Net loans
   607,459     605,551  
             
Premises and equipment, net
   16,358     15,874  
Cash surrender value of life insurance
   13,706     13,273  
Other real estate
   1,679     6,254  
Accrued interest receivable and other assets
   15,332     13,377  
Total assets
 $ 1,034,684     1,013,516  
             
Liabilities and Shareholders' Equity
            
             
Deposits:
            
Non-interest bearing demand
 $ 195,265     161,582  
NOW, MMDA & savings
   386,893     371,719  
Time, $100,000 or more
   115,268     134,733  
Other time
   101,935     113,491  
Total deposits
   799,361     781,525  
             
Securities sold under agreements to repurchase
   45,396     34,578  
FHLB borrowings
   65,000     70,000  
Junior subordinated debentures
   20,619     20,619  
Accrued interest payable and other liabilities
   20,589     9,047  
Total liabilities
   950,965     915,769  
             
Commitments
            
             
Shareholders' equity:
            
             
Series A preferred stock, $1,000 stated value; authorized
            
5,000,000 shares; issued and outstanding
            
12,524 shares in 2012
   -       12,524  
Common stock, no par value; authorized
            
20,000,000 shares; issued and outstanding
            
5,613,495 shares in 2013 and 2012
   48,133     48,133  
Retained earnings
   36,758     31,478  
Accumulated other comprehensive (loss) income
   (1,172 )   5,612  
Total shareholders' equity
   83,719     97,747  
             
Total liabilities and shareholders' equity
 $ 1,034,684     1,013,516  
             
See accompanying Notes to Consolidated Financial Statements.
            
 
 
 
A-29
 
 
 
PEOPLES BANCORP OF NORTH CAROLINA, INC. AND SUBSIDIARIES
             
Consolidated Statements of Earnings
             
For the Years Ended December 31, 2013, 2012 and 2011
             
(Dollars in thousands, except per share amounts)
             
 
2013
  
2012
  
2011
  
             
             
Interest income:
            
Interest and fees on loans
 $ 30,194   32,758   36,374  
Interest on due from banks
   85   51   33  
Interest on investment securities:
              
U.S. Government sponsored enterprises
   1,639   2,746   5,414  
States and political subdivisions
   4,427   3,403   3,180  
Other
   351   287   258  
Total interest income
   36,696   39,245   45,259  
               
Interest expense:
              
NOW, MMDA & savings deposits
   732   1,180   2,263  
Time deposits
   1,650   3,205   5,035  
FHLB borrowings
   2,518   2,744   2,956  
Junior subordinated debentures
   398   438   407  
Other
   55   129   285  
Total interest expense
   5,353   7,696   10,946  
               
Net interest income
   31,343   31,549   34,313  
               
Provision for loan losses
   2,584   4,924   12,632  
               
Net interest income after provision for loan losses
   28,759   26,625   21,681  
               
Non-interest income:
              
Service charges
   4,566   4,764   5,106  
Other service charges and fees
   1,172   1,940   2,090  
Other than temporary impairment losses
   -     -     (144 )
Gain on sale of securities
   614   1,218   4,406  
Mortgage banking income
   1,228   1,229   757  
Insurance and brokerage commissions
   661   517   471  
Loss on sale and write-down of
              
other real estate
   (581 ) (1,136 ) (1,322 )
Miscellaneous
   4,992   4,005   3,149  
Total non-interest income
   12,652   12,537   14,513  
               
Non-interest expense:
              
Salaries and employee benefits
   16,851   16,426   14,766  
Occupancy
   5,539   5,236   5,339  
Other
   10,451   10,120   9,467  
Total non-interest expense
   32,841   31,782   29,572  
               
Earnings before income taxes
   8,570   7,380   6,622  
               
Income tax expense
   1,879   1,587   1,463  
               
Net earnings
   6,691   5,793   5,159  
               
Dividends and accretion of preferred stock
   656   1,010   1,393  
               
Net earnings available to common shareholders
 $ 6,035   4,783   3,766  
               
Basic net earnings per common share
 $ 1.08   0.86   0.68  
Diluted net earnings per common share
 $ 1.07   0.86   0.68  
Cash dividends declared per common share
 $ 0.12   0.18   0.08  
               
               
See accompanying Notes to Consolidated Financial Statements.
          
 
 
 
A-30
 
 

PEOPLES BANCORP OF NORTH CAROLINA, INC. AND SUBSIDIARIES
             
Consolidated Statements of Comprehensive Income (Loss)
             
For the Years Ended December 31, 2013, 2012 and 2011
             
(Dollars in thousands)
             
 
2013
  
2012
  
2011
  
             
             
Net earnings
 $ 6,691   5,793   5,159  
               
Other comprehensive (loss) income:
              
Unrealized holding (losses) gains on securities
              
available for sale
   (10,498 ) 5,371   9,316  
Reclassification adjustment for other than temporary
              
impairment losses included in net earnings
   -     -     144  
Reclassification adjustment for gains on
              
securities available for sale
              
included in net earnings
   (614 ) (1,218 ) (4,406 )
Unrealized holding losses on derivative
              
financial instruments qualifying as cash flow
              
hedges
   -     -     (648 )
               
Total other comprehensive (loss) income,
              
before income taxes
   (11,112 ) 4,153   4,406  
               
Income tax (benefit) expense related to other
              
comprehensive (loss) income:
              
               
Unrealized holding (losses) gains on securities
              
available for sale
   (4,089 ) 2,091   3,629  
Reclassification adjustment for gains on
              
securities available for sale
              
included in net earnings
   (239 ) (474 ) (1,660 )
Unrealized holding losses on derivative
              
financial instruments qualifying as cash flow
              
hedges
   -     -     (252 )
               
Total income tax (benefit) expense related to
              
other comprehensive (loss) income
   (4,328 ) 1,617   1,717  
               
Total other comprehensive (loss) income,
              
net of tax
   (6,784 ) 2,536   2,689  
               
Total comprehensive (loss) income
 $ (93 ) 8,329   7,848  
               
See accompanying Notes to Consolidated Financial Statements.
          
 
 
 
A-31
 
 
 
PEOPLES BANCORP OF NORTH CAROLINA, INC. AND SUBSIDIARIES
                             
Consolidated Statements of Changes in Shareholders' Equity
                             
For the Years Ended December 31, 2013, 2012 and 2011
                             
(Dollars in thousands)
                             
                      Accumulated    
                     
Other
    
     Stock Shares       Stock Amount       Retained Comprehensive    
  Preferred   Common     Preferred   Common   Earnings   Income Total  
Balance, December 31, 2010
 25,054   5,541,413   $ 24,617   48,281   23,573   387   96,858  
                               
Accretion of Series A
                              
preferred stock
 -   -     141   -   (141 ) -   -  
Cash dividends declared on
                              
Series A preferred stock
 -   -     -   -   (1,253 ) -   (1,253 )
Cash dividends declared on
                              
common stock
 -   -     -   -   (443 ) -   (443 )
Restricted stock payout
 -   2,747     -   17   -   -   17  
Net earnings
 -   -     -   -   5,159   -   5,159  
Change in accumulated other
                              
comprehensive income,
                              
net of tax
 -   -     -   -   -   2,689   2,689  
Balance, December 31, 2011
 25,054   5,544,160   $ 24,758   48,298   26,895   3,076   103,027  
                               
Accretion of Series A
                              
preferred stock
 -   -     70   -   (70 ) -   -  
Preferred stock and
                              
warrant repurchase
 (12,530 ) -     (12,304 ) (704 ) 886   -   (12,122 )
Cash dividends declared on
                              
Series A preferred stock
 -   -     -   -   (1,023 ) -   (1,023 )
Cash dividends declared on
                              
common stock
 -   -     -   -   (1,003 ) -   (1,003 )
Stock options exercised
 -   69,335     -   539   -   -   539  
Net earnings
 -   -     -   -   5,793   -   5,793  
Change in accumulated other
                              
comprehensive income,
                              
net of tax
 -   -     -   -   -   2,536   2,536  
Balance, December 31, 2012
 12,524   5,613,495   $ 12,524   48,133   31,478   5,612   97,747  
                               
Preferred stock
                              
repurchase
 (12,524 ) -     (12,524 ) -   -   -   (12,524 )
Cash dividends declared on
                              
Series A preferred stock
 -   -     -   -   (734 ) -   (734 )
Cash dividends declared on
                              
common stock
 -   -     -   -   (677 ) -   (677 )
Net earnings
 -   -     -   -   6,691   -   6,691  
Change in accumulated other
                              
comprehensive income,
                              
net of tax
 -   -     -   -   -   (6,784 ) (6,784 )
Balance, December 31, 2013
 -   5,613,495   $ -   48,133   36,758   (1,172 ) 83,719  
                               
See accompanying Notes to Consolidated Financial Statements.
                  
 
 
 
A-32
 

 
PEOPLES BANCORP OF NORTH CAROLINA, INC. AND SUBSIDIARIES
             
Consolidated Statements of Cash Flows
             
For the Years Ended December 31, 2013, 2012 and 2011
             
(Dollars in thousands)
  
             
 
2013
  
2012
  
2011
  
             
             
Cash flows from operating activities:
            
Net earnings
 $ 6,691   5,793   5,159  
Adjustments to reconcile net earnings to
              
net cash provided by operating activities:
              
Depreciation, amortization and accretion
   8,453   8,876   6,226  
Provision for loan losses
   2,584   4,924   12,632  
Deferred income taxes
   534   (213 ) (678 )
Gain on sale of investment securities
   (614 ) (1,218 ) (4,406 )
Write-down of investment securities
   -     -     144  
(Gain) loss on sale of other real estate
   (14 ) 98   272  
Write-down of other real estate
   595   1,038   1,050  
Restricted stock expense
   173   42   7  
Change in:
              
Mortgage loans held for sale
   6,425   (1,776 ) (1,332 )
Cash surrender value of life insurance
   (432 ) (438 ) (296 )
Other assets
   1,508   (441 ) 2,644  
Other liabilities
   11,542   2,342   930  
               
Net cash provided by operating activities
   37,445   19,027   22,352  
               
Cash flows from investing activities:
              
Net change in certificates of deposit
   -     -     735  
Purchases of investment securities available for sale
   (98,129 ) (88,304 ) (208,863 )
Proceeds from calls, maturities and paydowns of investment securities
              
available for sale
   63,597   63,225   54,041  
Proceeds from sales of investment securities available for sale
   17,463   47,076   110,978  
Purchases of other investments
   -   (493 ) (215 )
FHLB stock redemption
   609   606   290  
Net change in loans
   (6,137 ) 38,170   38,561  
Purchases of premises and equipment
   (2,434 ) (917 ) (1,601 )
Purchases of bank owned life insurance
   -     -     (5,000 )
Proceeds from sale of other real estate and repossessions
   5,797   5,434   3,355  
               
Net cash (used) provided by investing activities
   (19,234 ) 64,797   (7,719 )
               
Cash flows from financing activities:
              
Net change in deposits
   17,836   (45,586 ) (11,601 )
Net change in demand notes payable to U.S. Treasury
   -     -   (1,600 )
Net change in securities sold under agreement to repurchase
   10,818   (5,022 ) 5,506  
Proceeds from FHLB borrowings
   15,001   25,400   40,000  
Repayments of FHLB borrowings
   (20,001 ) (25,400 ) (40,000 )
Proceeds from FRB borrowings
   1   2   1  
Repayments of FRB borrowings
   (1 ) (2 ) (1 )
Preferred stock and warrant repurchase
   (12,524 ) (12,122 ) -    
Restricted stock payout
   -     -     17  
Stock options exercised
   -     539   -    
Cash dividends paid on Series A preferred stock
   (734 ) (1,023 ) (1,253 )
Cash dividends paid on common stock
   (677 ) (1,003 ) (443 )
               
Net cash provided (used) by financing activities
   9,719   (64,217 ) (9,374 )
               
Net change in cash and cash equivalents
   27,930   19,607   5,259  
               
Cash and cash equivalents at beginning of period
   48,843   29,236   23,977  
               
Cash and cash equivalents at end of period
 $ 76,773   48,843   29,236  
 
 
 
A-33
 
 
 
PEOPLES BANCORP OF NORTH CAROLINA, INC. AND SUBSIDIARIES
             
Consolidated Statements of Cash Flows, continued
             
For the Years Ended December 31, 2013, 2012 and 2011
             
(Dollars in thousands)
             
             
 
2013
  
2012
  
2011
  
             
             
Supplemental disclosures of cash flow information:
            
Cash paid during the year for:
            
Interest
 $ 5,452   7,822   10,900  
Income taxes
 $ 2,256   2,013   283  
               
Noncash investing and financing activities:
              
Change in unrealized (loss) gain on investment securities
              
 available for sale, net
 $ (6,784 ) 2,536   (3,087 )
Change in unrealized gain on derivative financial
              
 instruments, net
 $ -     -     398  
Transfer of loans to other real estate and repossessions
 $ 2,353   6,323   10,787  
Financed portion of sale of other real estate
 $ 708   1,076   5,208  
Accretion of Series A preferred stock
 $ -     70   141  
Discount on preferred stock repurchased
 $ -     835   -    
               
               
See accompanying Notes to Consolidated Financial Statements.
              
 
 
 
A-34
 
 
PEOPLES BANCORP OF NORTH CAROLINA, INC. AND SUBSIDIARIES

Notes to Consolidated Financial Statements

(1)
    Summary of Significant Accounting Policies

Organization
Peoples Bancorp of North Carolina, Inc. (“Bancorp”) received regulatory approval to operate as a bank holding company on July 22, 1999, and became effective August 31, 1999.  Bancorp is primarily regulated by the Board of Governors of the Federal Reserve System, and serves as the one-bank holding company for Peoples Bank (the “Bank”).

The Bank commenced business in 1912 upon receipt of its banking charter from the North Carolina State Banking Commission (the “SBC”). The Bank is primarily regulated by the SBC and the Federal Deposit Insurance Corporation (the “FDIC”) and undergoes periodic examinations by these regulatory agencies. The Bank, whose main office is in Newton, North Carolina, provides a full range of commercial and consumer banking services primarily in Catawba, Alexander, Lincoln, Mecklenburg, Iredell, Union and Wake counties in North Carolina.

Peoples Investment Services, Inc. is a wholly-owned subsidiary of the Bank and began operations in 1996 to provide investment and trust services through agreements with an outside party.

Real Estate Advisory Services, Inc. (“REAS”) is a wholly-owned subsidiary of the Bank and began operations in 1997 to provide real estate appraisal and property management services to individuals and commercial customers of the Bank.

Community Bank Real Estate Solutions, LLC is a wholly-owned subsidiary of Bancorp and began operations in 2009 as a “clearing house” for appraisal services for community banks.  Other banks are able to contract with Community Bank Real Estate Solutions, LLC to find and engage appropriate appraisal companies in the area where the property is located.

Principles of Consolidation
The consolidated financial statements include the financial statements of Bancorp and its wholly-owned subsidiaries, the Bank and Community Bank Real Estate Solutions, LLC, along with the Bank’s wholly-owned subsidiaries, Peoples Investment Services, Inc. and REAS (collectively called the “Company”).  All significant intercompany balances and transactions have been eliminated in consolidation.

Basis of Presentation
The accounting principles followed by the Company, and the methods of applying these principles, conform with accounting principles generally accepted in the United States of America (“GAAP”) and with general practices in the banking industry. In preparing the financial statements in conformity with GAAP, management is required to make estimates and assumptions that affect the reported amounts in the financial statements. Actual results could differ significantly from these estimates. Material estimates common to the banking industry that are particularly susceptible to significant change in the near term include, but are not limited to, the determination of the allowance for loan losses and valuation of real estate acquired in connection with or in lieu of foreclosure on loans.

Cash and Cash Equivalents
Cash, due from banks and interest-bearing deposits are considered cash and cash equivalents for cash flow reporting purposes.

Investment Securities
There are three classifications the Company is able to classify its investment securities: trading, available for sale, or held to maturity. Trading securities are bought and held principally for sale in the near term. Held to maturity securities are those securities for which the Company has the ability and intent to hold until maturity. All other securities not included in trading or held to maturity are classified as available for sale. At December 31, 2013 and 2012, the Company classified all of its investment securities as available for sale.

Available for sale securities are recorded at fair value. Unrealized holding gains and losses, net of the related tax effect, are excluded from earnings and are reported as a separate component of shareholders’ equity until realized.
 
 
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Management evaluates investment securities for other-than-temporary impairment on an annual basis.  A decline in the market value of any investment below cost that is deemed other-than-temporary is charged to earnings for the decline in value deemed to be credit related and a new cost basis in the security is established.  The decline in value attributed to non-credit related factors is recognized in comprehensive income.

Premiums and discounts are amortized or accreted over the life of the related security as an adjustment to the yield.  Realized gains and losses for securities classified as available for sale are included in earnings and are derived using the specific identification method for determining the cost of securities sold.

Other Investments
Other investments include equity securities with no readily determinable fair value.  These investments are carried at cost.

Mortgage Loans Held for Sale
Mortgage loans held for sale are carried at lower of aggregate cost or market value.  The cost of mortgage loans held for sale approximates the market value.

Loans
Loans that management has the intent and ability to hold for the foreseeable future or until maturity are reported at the principal amount outstanding, net of the allowance for loan losses. Interest on loans is calculated by using the simple interest method on daily balances of the principal amount outstanding.   The recognition of certain loan origination fee income and certain loan origination costs is deferred when such loans are originated and amortized over the life of the loan.

A loan is impaired when, based on current information and events, it is probable that all amounts due according to the contractual terms of the loan will not be collected.  Impaired loans are measured based on the present value of expected future cash flows, discounted at the loan’s effective interest rate, or at the loan’s observable market price, or the fair value of the collateral if the loan is collateral dependent.

Accrual of interest is discontinued on a loan when management believes, after considering economic conditions and collection efforts, that the borrower’s financial condition is such that collection of interest is doubtful. Interest previously accrued but not collected is reversed against current period earnings.

Allowance for Loan Losses
The allowance for loan losses reflects management’s assessment and estimate of the risks associated with extending credit and its evaluation of the quality of the loan portfolio.  The Bank periodically analyzes the loan portfolio in an effort to review asset quality and to establish an allowance for loan losses that management believes will be adequate in light of anticipated risks and loan losses.  In assessing the adequacy of the allowance, size, quality and risk of loans in the portfolio are reviewed. Other factors considered are:

·  
the Bank’s loan loss experience;
·  
the amount of past due and non-performing loans;
·  
specific known risks;
·  
the status and amount of other past due and non-performing assets;
·  
underlying estimated values of collateral securing loans;
·  
current and anticipated economic conditions; and
·  
other factors which management believes affect the allowance for potential credit losses.

The allowance for loan losses is comprised of three components: specific reserves, general reserves and unallocated reserves.  After a loan has been identified as impaired, management measures impairment.  When the measure of the impaired loan is less than the recorded investment in the loan, the amount of the impairment is recorded as a specific reserve. These specific reserves are determined on an individual loan basis based on management’s current evaluation of the Bank’s loss exposure for each credit, given the appraised value of any underlying collateral or the present value of projected cash flows for non-collateral dependent loans.  Loans for which specific reserves are provided are excluded from the general allowance calculations as described below.

The general allowance reflects reserves established under GAAP for collective loan impairment.  These reserves are based upon historical net charge-offs using the greater of the loss experience for the last two, three, four or five year periods.  This charge-off experience may be adjusted to reflect the effects of current conditions.  The Bank considers information derived from its loan risk ratings and external data related to industry and general economic trends in establishing reserves.
 
 
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The unallocated allowance is determined through management’s assessment of probable losses that are in the portfolio but are not adequately captured by the other two components of the allowance, including consideration of current economic and business conditions and regulatory requirements. The unallocated allowance also reflects management’s acknowledgement of the imprecision and subjectivity that underlie the modeling of credit risk.  Due to the subjectivity involved in determining the overall allowance, including the unallocated portion, this unallocated portion may fluctuate from period to period based on management’s evaluation of the factors affecting the assumptions used in calculating the allowance.

Management considers the allowance for loan losses adequate to cover the estimated losses inherent in the Bank’s loan portfolio as of the date of the financial statements. Management believes it has established the allowance in accordance with GAAP and in consideration of the current economic environment. Although management uses the best information available to make evaluations, significant future additions to the allowance may be necessary based on changes in economic and other conditions, thus adversely affecting the operating results of the Company.

There were no significant changes in the estimation methods or fundamental assumptions used in the evaluation of the allowance for loan losses for the year ended December 31, 2013 as compared to the year ended December 31, 2012.   Revisions, estimates and assumptions may be made in any period in which the supporting factors indicate that loss levels may vary from the previous estimates.

Effective December 31, 2012, stated income mortgage loans from the Banco de la Gente division of the Bank were analyzed separately from other single family residential loans in the Bank’s loan portfolio.  These loans are first mortgage loans made to the Latino market, primarily in Mecklenburg and surrounding counties.  These loans are non-traditional mortgages in that the customer normally did not have a credit history, so all credit information was accumulated by the loan officers.  These loans were made as stated income loans rather than full documentation loans because the customer may not have had complete documentation on the income supporting the loan.

Various regulatory agencies, as an integral part of their examination process, periodically review the Bank’s allowance for loan losses. Such agencies may require adjustments to the allowance based on their judgments of information available to them at the time of their examinations.  Also, an independent loan review process further assists with evaluating credit quality and assessing potential performance issues.

Mortgage Banking Activities
Mortgage banking income represents net gains from the sale of mortgage loans and fees received from borrowers and loan investors related to the Bank’s origination of single-family residential mortgage loans.

Mortgage loans serviced for others are not included in the accompanying balance sheets. The unpaid principal balances of mortgage loans serviced for others was approximately $2.4 million, $3.1 million and $4.0 million at December 31, 2013, 2012 and 2011, respectively.

The Bank originates certain fixed rate mortgage loans and commits these loans for sale.  The commitments to originate fixed rate mortgage loans and the commitments to sell these loans to a third party are both derivative contracts.  The fair value of these derivative contracts is immaterial and has no effect on the recorded amounts in the financial statements.

Premises and Equipment
Premises and equipment are stated at cost less accumulated depreciation. Depreciation is computed primarily using the straight-line method over the estimated useful lives of the assets. When assets are retired or otherwise disposed, the cost and related accumulated depreciation are removed from the accounts, and any gain or loss is reflected in earnings for the period. The cost of maintenance and repairs that do not improve or extend the useful life of the respective asset is charged to earnings as incurred, whereas significant renewals and improvements are capitalized. The range of estimated useful lives for premises and equipment are generally as follows:
 
Buildings and improvements    10 - 50 years
Furniture and equipment    3 - 10 years
 
Other Real Estate
Foreclosed assets include all assets received in full or partial satisfaction of a loan.  Foreclosed assets are reported at fair value less estimated selling costs.  Any write-downs at the time of foreclosure are charged to the allowance for loan losses.  Subsequent to foreclosure, valuations are periodically performed by management, and a valuation allowance is established if fair value declines below carrying value.  Costs relating to the development and
 
 
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improvement of the property are capitalized.  Revenues and expenses from operations are included in other expenses.  Changes in the valuation allowance are included in loss on sale and write-down of other real estate.  The balance of other real estate was $1.7 million and $6.3 million at December 31, 2013 and 2012, respectively.

Income Taxes
Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Additionally, the recognition of future tax benefits, such as net operating loss carryforwards, is required to the extent that the realization of such benefits is more likely than not to occur. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which the assets and liabilities are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income tax expense in the period that includes the enactment date.

In the event the future tax consequences of differences between the financial reporting bases and the tax bases of the Company’s assets and liabilities results in a deferred tax asset, an evaluation of the probability of being able to realize the future benefits indicated by such asset is required. A valuation allowance is provided for the portion of the deferred tax asset when it is more likely than not that some portion or all of the deferred tax asset will not be realized. In assessing the realizability of a deferred tax asset, management considers the scheduled reversals of deferred tax liabilities, projected future taxable income, and tax planning strategies.

Tax effects from an uncertain tax position can be recognized in the financial statements only when it is more likely than not that the tax position will be sustained upon examination by the appropriate taxing authority that would have full knowledge of all relevant information.  A tax position that meets the more likely than not recognition threshold is measured at the largest amount of benefit that is greater than fifty percent likely of being realized upon ultimate settlement.  Previously recognized tax positions that no longer meet the more likely than not recognition threshold should be derecognized in the first subsequent financial reporting period in which that threshold is no longer met.  The Company assessed the impact of this guidance and determined that it did not have a material impact on the Company’s financial position, results of operations or disclosures.

Derivative Financial Instruments and Hedging Activities
In the normal course of business, the Company enters into derivative contracts to manage interest rate risk by modifying the characteristics of the related balance sheet instruments in order to reduce the adverse effect of changes in interest rates. All material derivative financial instruments are recorded at fair value in the financial statements.  The fair value of derivative contracts related to the origination of fixed rate mortgage loans and the commitments to sell these loans to a third party is immaterial and has no effect on the recorded amounts in the financial statements.

The disclosure requirements for derivatives and hedging activities have the intent to provide users of financial statements with an enhanced understanding of: (a) how and why an entity uses derivative instruments, (b) how derivative instruments and related hedged items are accounted for and (c) how derivative instruments and related hedged items affect an entity’s financial position, financial performance, and cash flows.  The disclosure requirements include qualitative disclosures about objectives and strategies for using derivatives, quantitative disclosures about the fair value of and gains and losses on derivative instruments, and disclosures about credit-risk-related contingent features in derivative instruments.

On the date a derivative contract is entered into, the Company designates the derivative as a fair value hedge, a cash flow hedge, or a trading instrument. Changes in the fair value of instruments used as fair value hedges are accounted for in the earnings of the period simultaneous with accounting for the fair value change of the item being hedged. Changes in the fair value of the effective portion of cash flow hedges are accounted for in other comprehensive income rather than earnings. Changes in fair value of instruments that are not intended as a hedge are accounted for in the earnings of the period of the change.

If a derivative instrument designated as a fair value hedge is terminated or the hedge designation removed, the difference between a hedged item’s then carrying amount and its face amount is recognized into income over the original hedge period. Likewise, if a derivative instrument designated as a cash flow hedge is terminated or the hedge designation removed, related amounts accumulated in other accumulated comprehensive income are reclassified into earnings over the original hedge period during which the hedged item affects income.
 
The accounting for changes in the fair value of derivatives depends on the intended use of the derivative, whether the Company has elected to designate a derivative in a hedging relationship and apply hedge accounting and whether the hedging relationship has satisfied the criteria necessary to apply hedge accounting. Derivatives designated and qualifying as a hedge of the exposure to changes in the fair value of an asset, liability, or firm commitment attributable to a particular risk, such as interest rate risk, are considered fair value hedges.
 
 
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Derivatives designated and qualifying as a hedge of the exposure to variability in expected future cash flows, or other types of forecasted transactions, are considered cash flow hedges. Hedge accounting generally provides for the matching of the timing of gain or loss recognition on the hedging instrument with the recognition of the changes in the fair value of the hedged asset or liability that are attributable to the hedged risk in a fair value hedge or the earnings effect of the hedged forecasted transactions in a cash flow hedge.  The Company may enter into derivative contracts that are intended to economically hedge certain of its risks, even though hedge accounting does not apply or the Company elects not to apply hedge accounting.

The Company formally documents all hedging relationships, including an assessment that the derivative instruments are expected to be highly effective in offsetting the changes in fair values or cash flows of the hedged items.

Advertising Costs
Advertising costs are expensed as incurred.

Stock-Based Compensation
The Company has an Omnibus Stock Ownership and Long Term Incentive Plan (the “1999 Plan”) whereby certain stock-based rights, such as stock options, restricted stock and restricted stock units were granted to eligible directors and employees.  The 1999 Plan expired on May 13, 2009 but still governs the rights and obligations of the parties for grants made thereunder.

Under the 1999 Plan, the Company granted incentive stock options to certain eligible employees in order that they may purchase Company stock at a price equal to the fair market value on the date of the grant.  The options granted in 1999 vested over a five-year period.  Options granted subsequent to 1999 vested over a three-year period.  All options expire ten years after issuance.   A summary of the stock option activity in the 1999 Plan is presented below:

Stock Option Activity
For the Years Ended December 31, 2013, 2012 and 2011
                 
 
Shares
  
Weighted
Average Option
Price Per Share
  
Weighted Average Remaining
Contractual Term (in
years)
    
Aggregate
Intrinsic
Value
(Dollars in
thousands)
Outstanding, December 31, 2010
 150,071   $ 8.32          
                   
Granted during the period
 -     $ -            
Expired during the period
 (71,054 ) $ 8.71          
Forfeited during the period
 -     $ -            
Exercised during the period
 -     $ -            
                   
Outstanding, December 31, 2011
 79,017   $ 7.97          
                   
Granted during the period
 -   $ -            
Expired during the period
 -   $ -            
Forfeited during the period
 (6,052 ) $ 8.89          
Exercised during the period
 (69,335 ) $ 7.77          
                   
Outstanding, December 31, 2012
 3,630   $ 10.31          
                   
Granted during the period
 -     $ -            
Expired during the period
 -     $ -            
Forfeited during the period
 -     $ -            
Exercised during the period
 -     $ -            
                   
Outstanding, December 31, 2013
 3,630   $ 10.31  
                            0.35
   $ 
       14.05
                   
Exercisable, December 31, 2013
 3,630   $ 10.31  
                            0.35
   $ 
     14.05
 
 
 
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Options outstanding at December 31, 2013 are exercisable at $10.31.  Such options have a weighted average remaining contractual life of less than one year.  No options were granted during the years ended December 31, 2013, 2012 and 2011.  No options were exercised during the years ended December 31, 2013 and 2011.  69,335 options were exercised during the year ended December 31, 2012.

In addition, under the 1999 Plan, the Company granted 3,000 restricted stock units in 2007 at a grant date fair value of $17.40 per share. The Company granted 1,750 restricted stock units at a grant date fair value of $12.80 per share during the third quarter of 2008 and 2,000 restricted stock units at a grant date fair value of $11.37 per share during the fourth quarter of 2008. The Company recognizes compensation expense on the restricted stock units over the period of time the restrictions are in place (three years from the grant date for the grants of restricted stock units to date under the 1999 Plan).  The amount of expense recorded each period reflects the changes in the Company’s stock price during the period.  As of December 31, 2013, there was no unrecognized compensation expense related to the 2007 and 2008 restricted stock unit grants granted under the 1999 Plan.

The Company also has an Omnibus Stock Ownership and Long Term Incentive Plan that was approved by shareholders on May 7, 2009 (the “2009 Plan”) whereby certain stock-based rights, such as stock options, restricted stock, restricted stock units, performance units, stock appreciation rights or book value shares, may be granted to eligible directors and employees.  A total of 303,691 shares are currently reserved for possible issuance under the 2009 Plan.   All rights must be granted or awarded within ten years from the May 7, 2009 effective date of the 2009 Plan.

The Company granted 29,514 restricted stock units under the 2009 Plan at a grant date fair value of $7.90 per share during the first quarter of 2012.  5,355 restricted stock units were forfeited by the executive officers of the Company as required by the agreement with the U.S. Department of the Treasury (“UST”) in conjunction with the Company’s participation in the Capital Purchase Program (“CPP”) under the Troubled Asset Relief Program (“TARP”).  In July 2012, the Company granted 5,355 restricted stock units at a grant date fair value of $8.25 per share. The Company granted 26,795 restricted stock units under the 2009 Plan at a grant date fair value of $11.90 per share during the second quarter of 2013.  The Company recognizes compensation expense on the restricted stock units over the period of time the restrictions are in place (five years from the grant date for the 2012 grants and four years from the grant date for the 2013 grants).  The amount of expense recorded each period reflects the changes in the Company’s stock price during the period.  As of December 31, 2013, the total unrecognized compensation expense related to the restricted stock unit grants under the 2009 Plan was $584,000.

The Company recognized compensation expense for restricted stock awards granted under the 2009 Plan of $173,000 and $42,000 for the years ended December 31, 2013 and 2012, respectively.  The Company recognized compensation expense for restricted stock awards granted under the 1999 Plan of $7,000 for the year ended December 31, 2011.

Net Earnings Per Share
Net earnings per common share is based on the weighted average number of common shares outstanding during the period while the effects of potential common shares outstanding during the period are included in diluted earnings per common share. The average market price during the year is used to compute equivalent shares.

The reconciliations of the amounts used in the computation of both “basic earnings per common share” and “diluted earnings per common share” for the years ended December 31, 2013, 2012 and 2011 are as follows:

For the year ended December 31, 2013:
Net Earnings Available to Common Shareholders (Dollars in thousands)
  
Common
Shares
  
Per Share Amount
Basic earnings per common share
 $ 6,035   5,613,495   $ 1.08
Effect of dilutive securities:
              
Stock options
   -     9,725      
Diluted earnings per common share
 $ 6,035   5,623,220   $ 1.07
 
 
 
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  Net Earnings Available to Common Shareholders (Dollars in thousands)   Common Shares   Per Share Amount
Basic earnings per common share
 $ 4,783   5,559,401   $ 0.86
Effect of dilutive securities:
              
Stock options
   -     3,206      
Diluted earnings per common share
 $ 4,783   5,562,607   $ 0.86
               
  Net Earnings Available to Common Shareholders (Dollars in thousands)   Common Shares   Per Share Amount
Basic earnings per common share
 $ 3,766   5,542,548   $ 0.68
Effect of dilutive securities:
              
Stock options
   -     1,301      
Diluted earnings per common share
 $ 3,766   5,543,849   $ 0.68
 
Recent Accounting Pronouncements
In January 2014, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) No. 2014-04, (Subtopic 310-40): Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure.  ASU No. 2014-04 provides additional guidance to clarify when an in substance repossession or foreclosure occurs, that is, when a creditor should be considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan such that the loan should be derecognized and the real estate property recognized.  ASU No. 2014-04 is effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2014.  The adoption of this guidance is not expected to have a material impact on the Company’s results of operations, financial position or disclosures.

Other accounting standards that have been issued or proposed by FASB or other standards-setting bodies are not expected to have a material impact on the Company’s results of operations, financial position or disclosures.

Reclassification
Certain amounts in the 2011 and 2012 consolidated financial statements have been reclassified to conform to the 2013 presentation.

(2)
    Investment Securities

Investment securities available for sale at December 31, 2013 and 2012 are as follows:

(Dollars in thousands)
              
 
December 31, 2013
 
Amortized
Cost
  
Gross
Unrealized
Gains
  
Gross
Unrealized
Losses
  
Estimated Fair Value
Mortgage-backed securities
 $ 123,706   1,040   769   123,977
U.S. Government
                
sponsored enterprises
   22,115   97   69   22,143
State and political subdivisions
   148,468   1,987   5,087   145,368
Corporate bonds
   3,522   11   70   3,463
Trust preferred securities
   1,250   -     -     1,250
Equity securities
   748   941   -     1,689
Total
 $ 299,809   4,076   5,995   297,890
 
 
 
A-41
 
 
 
(Dollars in thousands)
              
 
December 31, 2012
 
Amortized
Cost
  
Gross
Unrealized
Gains
  
Gross
Unrealized
Losses
  
Estimated Fair Value
Mortgage-backed securities
 $ 146,755   1,875   606   148,024
U.S. Government
                
sponsored enterprises
   18,714   203   80   18,837
State and political subdivisions
   118,591   7,171   104   125,658
Corporate bonds
   2,571   19   4   2,586
Trust preferred securities
   1,250   -     -     1,250
Equity securities
   748   720   -     1,468
Total
 $ 288,629   9,988   794   297,823
 
The current fair value and associated unrealized losses on investments in debt securities with unrealized losses at December 31, 2013 and 2012 are summarized in the tables below, with the length of time the individual securities have been in a continuous loss position.
 
(Dollars in thousands)
            
 
December 31, 2013
 
Less than 12 Months
  
12 Months or More
  
Total
 
Fair Value
  
Unrealized
Losses
  
Fair Value
  
Unrealized
Losses
  
Fair Value
  
Unrealized
Losses
Mortgage-backed securities
 $ 40,857   691   10,128   78   50,985   769
U.S. Government
                        
sponsored enterprises
   9,714   69   -     -     9,714   69
State and political subdivisions
   77,187   4,863   1,824   224   79,011   5,087
Corporate bonds
   1,984   16   511   54   2,495   70
Total
 $ 129,742   5,639   12,463   356   142,205   5,995
                         
(Dollars in thousands)
                        
 
December 31, 2012
 
Less than 12 Months
  
12 Months or More
  
Total
 
Fair Value
  
Unrealized
Losses
  
Fair Value
  
Unrealized
Losses
  
Fair Value
  
Unrealized
Losses
Mortgage-backed securities
 $ 48,126   468   12,913   138   61,039   606
U.S. Government
                        
sponsored enterprises
   3,402   80   -     -     3,402   80
State and political subdivisions
   9,490   104   -     -     9,490   104
Corporate bonds
   1,035   4   -     -     1,035   4
Total
 $ 62,053   656   12,913   138   74,966   794
 
At December 31, 2013, unrealized losses in the investment securities portfolio relating to debt securities totaled $5.9 million.  The unrealized losses on these debt securities arose due to changing interest rates and are considered to be temporary.  From the December 31, 2013 tables above, 80 out of 179 securities issued by state and political subdivisions contained unrealized losses, 28 out of 95 securities issued by U.S. Government sponsored enterprises, including mortgage-backed securities, contained unrealized losses, and three out of five securities issued by corporations contained unrealized losses.  These unrealized losses are considered temporary because of acceptable financial condition and results of operations on each security and the repayment sources of principal and interest on U.S. Government sponsored enterprises, including mortgage-backed securities, are government backed.

The Company periodically evaluates its investments for any impairment which would be deemed other-than-temporary.   No investment impairments were deemed other-than-temporary in 2013 or 2012.  As part of its evaluation in 2011, the Company determined that the fair value of one equity security was less than the original cost of the investment and that the decline in fair value was not temporary in nature.  As a result, the Company wrote down its investment by $144,000.  The remaining fair value of the investment at December 31, 2011 was approximately $264,000.
 
 
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The amortized cost and estimated fair value of investment securities available for sale at December 31, 2013, by contractual maturity, are shown below. Expected maturities of mortgage-backed securities will differ from contractual maturities because borrowers have the right to call or prepay obligations with or without call or prepayment penalties.

December 31, 2013
      
(Dollars in thousands)
      
 
Amortized
Cost
  
Estimated Fair
Value
Due within one year
 $ 4,019   4,048
Due from one to five years
   31,725   32,103
Due from five to ten years
   119,313   115,878
Due after ten years
   20,298   20,195
Mortgage-backed securities
   123,706   123,977
Equity securities
   748   1,689
Total
 $ 299,809   297,890
 
Proceeds from sales of securities available for sale during 2013 were $17.5 million and resulted in gross gains of $738,000 and gross losses of $124,000.  During 2012, the proceeds from sales of securities available for sale were $47.1 million and resulted in gross gains of $1.3 million and gross losses of $103,000.  During 2011, the proceeds from sales of securities available for sale were $111.0 million and resulted in gross gains of $4.4 million and gross losses of $9,000.

Securities with a fair value of approximately $86.0 million and $73.9 million at December 31, 2013 and 2012, respectively, were pledged to secure public deposits, Federal Home Loan Bank of Atlanta (“FHLB”) borrowings and for other purposes as required by law.

GAAP establishes a framework for measuring fair value and expands disclosures about fair value measurements. There is a three-level fair value hierarchy for fair value measurements.  Level 1 inputs are quoted prices in active markets for identical assets or liabilities that a company has the ability to access at the measurement date. Level 2 inputs are inputs other than quoted prices included within Level 1 that are observable for the asset or liability, either directly or indirectly. Level 3 inputs are unobservable inputs for the asset or liability.  The table below presents the balance of securities available for sale, which are measured at fair value on a recurring basis by level within the fair value hierarchy as of December 31, 2013 and 2012.

(Dollars in thousands)
              
 
December 31, 2013
 
Fair Value Measurements
  
Level 1
Valuation
  
Level 2
Valuation
  
Level 3
Valuation
Mortgage-backed securities
 $ 123,977   -   123,977   -
U.S. Government
                
sponsored enterprises
 $ 22,143   -   22,143   -
State and political subdivisions
 $ 145,368   -   145,368   -
Corporate bonds
 $ 3,463   -   3,463   -
Trust preferred securities
 $ 1,250   -   -   1,250
Equity securities
 $ 1,689   1,689   -   -
 
 
(Dollars in thousands)
              
 
December 31, 2012
 
Fair Value Measurements
  
Level 1
Valuation
  
Level 2
Valuation
  
Level 3
Valuation
Mortgage-backed securities
 $ 148,024   -   148,024   -
U.S. Government
                
sponsored enterprises
 $ 18,837   -   18,837   -
State and political subdivisions
 $ 125,658   -   125,658   -
Corporate bonds
 $ 2,586   -   2,586   -
Trust preferred securities
 $ 1,250   -   -   1,250
Equity securities
 $ 1,468   1,468   -   -
 
 
 
A-43
 
 
Fair values of investment securities available for sale are determined by obtaining quoted prices on nationally recognized securities exchanges when available.  If quoted prices are not available, fair value is determined using matrix pricing, which is a mathematical technique used widely in the industry to value debt securities without relying exclusively on quoted prices for the specific securities but rather by relying on the securities’ relationship to other benchmark quoted securities.

The following is an analysis of fair value measurements of investment securities available for sale using Level 3, significant unobservable inputs, for the year ended December 31, 2013.

(Dollars in thousands)
  
 
Investment Securities Available for Sale
 
Level 3 Valuation
Balance, beginning of period
 $ 1,250
Change in book value
   -
Change in gain/(loss) realized and unrealized
   -
Purchases/(sales)
   -
Transfers in and/or (out) of Level 3
   -
Balance, end of period
 $ 1,250
     
Change in unrealized gain/(loss) for assets still held in Level 3
 $ -
 
 (3)
    Loans

Major classifications of loans at December 31, 2013 and 2012 are summarized as follows:
 
(Dollars in thousands)
      
 
December 31, 2013
  
December 31, 2012
Real estate loans
      
Construction and land development
 $ 63,742   73,176
Single-family residential
   195,975   195,003
Single-family residential -
        
Banco de la Gente stated income
   49,463   52,019
Commercial
   209,287   200,633
Multifamily and farmland
   11,801   8,951
Total real estate loans
   530,268   529,782
         
Loans not secured by real estate
        
Commercial loans
   68,047   64,295
Farm loans
   19   11
Consumer loans
   9,593   10,148
All other loans
   13,033   15,738
         
Total loans
   620,960   619,974
         
Less allowance for loan losses
   13,501   14,423
         
Total net loans
 $ 607,459   605,551
 
The Bank grants loans and extensions of credit primarily within the Catawba Valley region of North Carolina, which encompasses Catawba, Alexander, Iredell and Lincoln counties and also in Mecklenburg, Union and Wake counties of North Carolina.  Although the Bank has a diversified loan portfolio, a substantial portion of the loan portfolio is collateralized by improved and unimproved real estate, the value of which is dependent upon the real estate market.  Risk characteristics of the major components of the Bank’s loan portfolio are discussed below:
 
 
A-44
 

 
·  
Construction and land development loans – The risk of loss is largely dependent on the initial estimate of whether the property’s value at completion equals or exceeds the cost of property construction and the availability of take-out financing.  During the construction phase, a number of factors can result in delays or cost overruns.  If the estimate is inaccurate or if actual construction costs exceed estimates, the value of the property securing the loan may be insufficient to ensure full repayment when completed through a permanent loan, sale of the property, or by seizure of collateral.  As of December 31, 2013, construction and land development loans comprised approximately 10% of the Bank’s total loan portfolio.
 
·  
Single-family residential loans – Declining home sales volumes, decreased real estate values and higher than normal levels of unemployment could contribute to losses on these loans.  As of December 31, 2013, single-family residential loans comprised approximately 40% of the Bank’s total loan portfolio, including Banco de la Gente single-family residential stated income loans which were approximately 8% of the Bank’s total loan portfolio.

·  
Commercial real estate loans – Repayment is dependent on income being generated in amounts sufficient to cover operating expenses and debt service.  These loans also involve greater risk because they are generally not fully amortizing over a loan period, but rather have a balloon payment due at maturity.  A borrower’s ability to make a balloon payment typically will depend on being able to either refinance the loan or timely sell the underlying property.  As of December 31, 2013, commercial real estate loans comprised approximately 34% of the Bank’s total loan portfolio.

·  
Commercial loans – Repayment is generally dependent upon the successful operation of the borrower’s business.   In addition, the collateral securing the loans may depreciate over time, be difficult to appraise, be illiquid, or fluctuate in value based on the success of the business.  As of December 31, 2013, commercial loans comprised approximately 11% of the Bank’s total loan portfolio.

Loans are considered past due if the required principal and interest payments have not been received as of the date such payments were due. Loans are placed on non-accrual status when, in management’s opinion, the borrower may be unable to meet payment obligations as they become due, as well as when required by regulatory provisions. Loans may be placed on non-accrual status regardless of whether or not such loans are considered past due. When interest accrual is discontinued, all unpaid accrued interest is reversed. Interest income is subsequently recognized only to the extent cash payments are received in excess of principal due. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured.

The following tables present an age analysis of past due loans, by loan type, as of December 31, 2013 and 2012:

December 31, 2013
                
(Dollars in thousands)
                
 
Loans 30-89
Days Past
Due
  
Loans 90 or
More Days
Past Due
  
Total
Past Due
Loans
  
Total
Current
Loans
  
Total
Loans
  
Accruing
Loans 90 or
More Days
Past Due
Real estate loans
                      
Construction and land development
 $ 3,416   5,426   8,842   54,900   63,742   -  
Single-family residential
   4,518   1,555   6,073   189,902   195,975   -  
Single-family residential -
                        
Banco de la Gente stated income
   9,833   1,952   11,785   37,678   49,463   881
Commercial
   1,643   486   2,129   207,158   209,287   -  
Multifamily and farmland
   177   -     177   11,624   11,801   -  
Total real estate loans
   19,587   9,419   29,006   501,262   530,268   881
                         
Loans not secured by real estate
                        
Commercial loans
   424   29   453   67,594   68,047   -  
Farm loans
   -     -     -     19   19   -  
Consumer loans
   181   3   184   9,409   9,593   1
All other loans
   -     -     -     13,033   13,033   -  
Total loans
 $ 20,192   9,451   29,643   591,317   620,960   882
 
 
 
A-45
 
 
 
December 31, 2012
                
(Dollars in thousands)
                
 
Loans 30-89
Days Past
Due
  
Loans 90 or
More Days
Past Due
  
Total
Past Due
Loans
  
Total
Current
Loans
  
Total
Loans
  
Accruing
Loans 90 or
More Days
Past Due
Real estate loans
                      
Construction and land development
 $ 1,280   6,858   8,138   65,038   73,176   -  
Single-family residential
   4,316   1,548   5,864   189,139   195,003   -  
Single-family residential -
                        
Banco de la Gente stated income
   11,077   3,659   14,736   37,283   52,019   2,378
Commercial
   1,720   1,170   2,890   197,743   200,633   -  
Multifamily and farmland
   7   -     7   8,944   8,951   -  
Total real estate loans
   18,400   13,235   31,635   498,147   529,782   2,378
                         
Loans not secured by real estate
                        
Commercial loans
   888   66   954   63,341   64,295   23
Farm loans
   -     -     -     11   11   -  
Consumer loans
   250   10   260   9,888   10,148   2
All other loans
   -     -     -     15,738   15,738   -  
Total loans
 $ 19,538   13,311   32,849   587,125   619,974   2,403
 
The following table presents the Bank’s non-accrual loans as of December 31, 2013 and 2012:

(Dollars in thousands)
      
 
December 31, 2013
  
December 31, 2012
Real estate loans
      
Construction and land development
 $ 6,546   9,253
Single-family residential
   2,980   2,491
Single-family residential -
        
Banco de la Gente stated income
   1,990   2,232
Commercial
   2,043   3,263
Total real estate loans
   13,559   17,239
         
Loans not secured by real estate
        
Commercial loans
   250   344
Consumer loans
   27   47
Total
 $ 13,836   17,630
 
At each reporting period, the Bank determines which loans are impaired.  Accordingly, the Bank’s impaired loans are reported at their estimated fair value on a non-recurring basis.  An allowance for each impaired loan that is collateral-dependent is calculated based on the fair value of its collateral.  The fair value of the collateral is based on appraisals performed by REAS, a subsidiary of the Bank.  REAS is staffed by certified appraisers that also perform appraisals for other companies.  Factors including the assumptions and techniques utilized by the appraiser are considered by management.  If the recorded investment in the impaired loan exceeds the measure of fair value of the collateral, a valuation allowance is recorded as a component of the allowance for loan losses.  An allowance for each impaired loan that is non-collateral dependent is calculated based on the present value of projected cash flows.  If the recorded investment in the impaired loan exceeds the present value of projected cash flows, a valuation allowance is recorded as a component of the allowance for loan losses.  Impaired loans under $250,000 are not individually evaluated for impairment, with the exception of the Bank’s troubled debt restructured (“TDR”) loans in the residential mortgage loan portfolio, which are individually evaluated for impairment.  Accruing impaired loans were $27.6 million and $30.6 million at December 31, 2013 and 2012, respectively.  Interest income recognized on accruing impaired loans was $1.3 million and $1.5 million for the years ended December 31, 2013 and 2012, respectively.  No interest income is recognized on non-accrual impaired loans subsequent to their classification as non-accrual.
 
 
 
 
A-46
 
 
The following tables present the Bank’s impaired loans as of December 31, 2013 and 2012:

(Dollars in thousands)
                      
                       
 
Unpaid
Contractual Principal
Balance
  
Recorded Investment
With No Allowance
  
Recorded Investment
With
Allowance
  
Recorded Investment
in Impaired
Loans
  
Related Allowance
  
Average Outstanding Impaired
Loans
Real estate loans
                      
Construction and land development
 $ 9,861   6,293   868   7,161   53   8,289
Single-family residential
   7,853   1,428   5,633   7,061   123   7,859
Single-family residential -
                        
Banco de la Gente stated income
   22,034   -     21,242   21,242   1,300   21,242
Commercial
   5,079   3,045   1,489   4,534   182   4,171
Multifamily and farmland
   177   -     177   177   1   184
Total impaired real estate loans
   45,004   10,766   29,409   40,175   1,659   41,745
                         
Loans not secured by real estate
                        
Commercial loans
   999   257   724   981   15   826
Consumer loans
   302   264   35   299   1   247
Total impaired loans
 $ 46,305   11,287   30,168   41,455   1,675   42,818
                         
                         
December 31, 2012
                        
(Dollars in thousands)
                        
 
Unpaid
Contractual Principal
Balance
  
Recorded Investment
With No Allowance
  
Recorded Investment
With
Allowance
  
Recorded Investment
in Impaired
Loans
  
Related Allowance
  
Average Outstanding Impaired
Loans
Real estate loans
                        
Construction and land development
 $ 17,738   11,795   680   12,475   61   12,810
Single-family residential
   9,099   766   7,799   8,565   177   7,590
Single-family residential -
                        
Banco de la Gente stated income
   21,806   -     21,000   21,000   1,278   21,158
Commercial
   5,830   4,569   467   5,036   6   5,433
Multifamily and farmland
   193   -     193   193   1   200
Total impaired real estate loans
   54,666   17,130   30,139   47,269   1,523   47,191
                         
Loans not secured by real estate
                        
Commercial loans
   983   347   592   939   12   1,125
Consumer loans
   68   -     66   66   1   41
Total impaired loans
 $ 55,717   17,477   30,797   48,274   1,536   48,357
 
The fair value measurements for impaired loans and other real estate on a non-recurring basis at December 31, 2013 and 2012 are presented below.  The fair value measurement process uses certified appraisals and other market-based information; however, in many cases, it also requires significant input based on management’s knowledge of and judgment about current market conditions, specific issues relating to the collateral, and other matters.  As a result, all fair value measurements for impaired loans and other real estate are considered Level 3.
 
(Dollars in thousands)
                  
 
Fair Value Measurements December 31, 2013
  
Level 1
Valuation
  
Level 2
Valuation
  
Level 3
Valuation
  
Total Gains/(Losses) for
the Year Ended
December 31, 2013
Impaired loans
 $ 39,780   -   -   39,780   (3,207 )
Other real estate
 $ 1,679   -   -   1,679   (581 )
 
 
 
A-47
 
 
 
(Dollars in thousands)
                  
 
Fair Value Measurements December 31, 2012
  
Level 1
Valuation
  
Level 2
Valuation
  
Level 3
Valuation
  
Total Gains/(Losses) for
the Year Ended
December 31, 2012
Impaired loans
 $ 46,738   -   -   46,738   (6,875 )
Other real estate
 $ 6,254   -   -   6,254   (1,136 )
 
Changes in the allowance for loan losses for the year ended December 31, 2013 were as follows:
 
(Dollars in thousands)
                          
 
Real Estate Loans
                      
 
Construction and Land Development
  
Single-
Family Residential
  
Single-
Family Residential - Banco de la Gente
Stated Income
  
Commercial
  
Multifamily and
Farmland
  
Commercial
  
Farm
  
Consumer and All Other
  
Unallocated
  
Total
  
Allowance for loan losses:
                                        
Beginning balance
 $ 4,399   3,231   1,998   2,049   28   1,088   -   245   1,385   14,423  
Charge-offs
   (777 ) (1,724 ) (272 ) (445 ) -   (502 ) -   (652 ) -   (4,372 )
Recoveries
   377   111   141   50   -   44   -   143   -   866  
Provision
   (781 ) 1,505   (4 ) 565   9   439   -   509   342   2,584  
Ending balance
 $ 3,218   3,123   1,863   2,219   37   1,069   -   245   1,727   13,501  
                                           
                                           
Ending balance: individually
                                        
evaluated for impairment
 $ -   39   1,268   171   -   -   -   -   -   1,478  
Ending balance: collectively
                                        
evaluated for impairment
   3,218   3,084   595   2,048   37   1,069   -   245   1,727   12,023  
Ending balance
 $ 3,218   3,123   1,863   2,219   37   1,069   -   245   1,727   13,501  
                                           
Loans:
                                          
Ending balance
 $ 63,742   195,975   49,463   209,287   11,801   68,047   19   22,626   -   620,960  
                                           
Ending balance: individually
                                        
evaluated for impairment
 $ 6,293   3,127   19,958   3,767   -   256   -   265   -   33,666  
Ending balance: collectively
                                        
evaluated for impairment
 $ 57,449   192,848   29,505   205,520   11,801   67,791   19   22,361   -   587,294  
 
Changes in the allowance for loan losses for the year ended December 31, 2012 were as follows:
 
(Dollars in thousands)
                            
 
Real Estate Loans
                      
 
Construction and Land Development
  
Single-
Family Residential
  
Single-
Family Residential - Banco de la Gente
Stated Income
  
Commercial
  
Multifamily and
Farmland
  
Commercial
  
Farm
  
Consumer and All Other
  
Unallocated
  
Total
  
Allowance for loan losses:
                                        
Beginning balance
 $ 7,182   3,253   2,104   1,731   13   1,029   -   255   1,037   16,604  
Charge-offs
   (4,728 ) (886 ) (668 ) (937 ) -   (555 ) -   (557 ) -   (8,331 )
Recoveries
   528   72   -   374   -   104   -   148   -   1,226  
Provision
   1,417   792   562   881   15   510   -   399   348   4,924  
Ending balance
 $ 4,399   3,231   1,998   2,049   28   1,088   -   245   1,385   14,423  
                                           
Ending balance: individually
                                          
evaluated for impairment
 $ 24   84   1,254   -   -   -   -   -   -   1,362  
Ending balance: collectively
                                          
evaluated for impairment
   4,375   3,147   744   2,049   28   1,088   -   245   1,385   13,061  
Ending balance
 $ 4,399   3,231   1,998   2,049   28   1,088   -   245   1,385   14,423  
                                           
Loans:
                                          
Ending balance
 $ 73,176   195,003   52,019   200,633   8,951   64,295   11   25,886   -   619,974  
                                           
Ending balance: individually
                                          
evaluated for impairment
 $ 11,961   3,885   20,024   4,569   -   346   -   -   -   40,785  
Ending balance: collectively
                                          
evaluated for impairment
 $ 61,215   191,118   31,995   196,064   8,951   63,949   11   25,886   -   579,189  
 
 
 
A-48
 
 
Changes in the allowance for loan losses for the year ended December 31, 2011 were as follows:

(Dollars in thousands)
                      
 
Real Estate Loans
                  
 
Construction and Land Development
  
Single-
Family Residential
  
Single-
Family Residential - Banco de la Gente
Stated
Income
  
Commercial
  
Multifamily and
Farmland
  
Commercial
  
Consumer
and All
Other
  
Unallocated
  
Total
  
Allowance for loan losses:
                                    
Beginning balance
 $ 5,774   3,992   2,105   1,409   17   1,174   430   592   15,493  
   Charge-offs   (7,164 ) (2,233 ) (692 ) (1,271 ) -   (314 ) (586 ) -   (12,260 )
   Recoveries   241   184   17   24   -   121   152   -   739  
   Provision   8,331   1,310   674   1,569   (4 ) 48   259   445   12,632  
Ending balance
 $ 7,182   3,253   2,104   1,731   13   1,029   255   1,037   16,604  
                                       
Ending balance: individually
                                    
evaluated for impairment
 $ 1,250   46   1,243   -   -   -   -   -   2,539  
Ending balance: collectively
                                    
 evaluated for impairment
 5,932   3,207   861   1,731   13   1,029   255   1,037   14,065  
Ending balance
 $ 7,182   3,253   2,104   1,731   13   1,029   255   1,037   16,604  
                                       
Loans:
                                      
Ending balance
 $ 93,812   212,993   54,058   214,415   4,793   60,646   29,780   -   670,497  
                                       
Ending balance: individually
                                    
evaluated for impairment
 $ 20,280   2,352   18,309   3,845   -   -   -   -   44,786  
Ending balance: collectively
                                    
 evaluated for impairment
 $ 73,532   210,641   35,749   210,570   4,793   60,646   29,780   -   625,711  
 
The Company utilizes an internal risk grading matrix to assign a risk grade to each of its loans.  Loans are graded on a scale of 1 to 8.  These risk grades are evaluated on an ongoing basis.  The Low Substandard risk grade was removed from the Company’s internal risk grading matrix during the first quarter of 2013.  No loans were classified Low Substandard at December 31, 2012.  A description of the general characteristics of the eight risk grades is as follows:

·  
Risk Grade 1 – Excellent Quality: Loans are well above average quality and a minimal amount of credit risk exists.  CD or cash secured loans or properly margined actively traded stock or bond secured loans would fall in this grade.
·  
Risk Grade 2 – High Quality: Loans are of good quality with risk levels well within the Company’s range of acceptability.  The organization or individual is established with a history of successful performance though somewhat susceptible to economic changes.
·  
Risk Grade 3 – Good Quality: Loans of average quality with risk levels within the Company’s range of acceptability but higher than normal. This may be a new organization or an existing organization in a transitional phase (e.g. expansion, acquisition, market change).
·  
Risk Grade 4 – Management Attention: These loans have higher risk and servicing needs but still are acceptable. Evidence of marginal performance or deteriorating trends is observed.  These are not problem credits presently, but may be in the future if the borrower is unable to change its present course.
·  
Risk Grade 5 – Watch: These loans are currently performing satisfactorily, but there has been some recent past due history on repayment and there are potential weaknesses that may, if not corrected, weaken the asset or inadequately protect the Company’s position at some future date.
·  
Risk Grade 6 – Substandard: A Substandard loan is inadequately protected by the current sound net worth and paying capacity of the obligor or the collateral pledged (if there is any).  There is a well-defined weakness or weaknesses that jeopardize the liquidation of the debt.  There is a distinct possibility that the Company will sustain some loss if the deficiencies are not corrected.
·  
Risk Grade 7 – Doubtful: Loans classified as Doubtful have all the weaknesses inherent in loans classified Substandard, plus the added characteristic that the weaknesses make collection or liquidation in full on the basis of currently existing facts, conditions, and values highly questionable and improbable. Doubtful is a temporary grade where a loss is expected but is presently not quantified with any degree of accuracy. Once the loss position is determined, the amount is charged off.
·  
Risk Grade 8 – Loss: Loans classified as Loss are considered uncollectable and of such little value that their continuance as bankable assets is not warranted.  This classification does not mean that the asset has absolutely no recovery or salvage value, but rather that it is not practical or desirable to defer writing off this worthless loan even though partial recovery may be realized in the future.  Loss is a temporary grade until the appropriate authority is obtained to charge the loan off.
 
 
 
A-49
 
 
The following tables present the credit risk profile of each loan type based on internally assigned risk grades as of December 31, 2013 and 2012.

December 31, 2013
                                
(Dollars in thousands)
                            
 
Real Estate Loans
                    
 
Construction and Land Development
  
Single-
Family Residential
  
Single-
Family Residential - Banco de la Gente
Stated Income
  
Commercial
  
Multifamily and
Farmland
  
Commercial
  
Farm
  
Consumer
  
All Other
  
Total
                                       
1- Excellent Quality
 $ 7   15,036   -   -   -   365   -   1,270   -   16,678
2- High Quality
   7,852   60,882   -   33,340   715   8,442   -   3,519   2,139   116,889
3- Good Quality
   22,899   73,118   22,255   123,604   7,882   44,353   19   4,061   8,565   306,756
4- Management Attention
   14,464   34,090   8,369   42,914   286   13,704   -   358   2,329   116,514
5- Watch
   8,163   6,806   8,113   5,190   2,741   320   -   50   -   31,383
6- Substandard
   10,357   6,043   10,726   4,239   177   863   -   330   -   32,735
7- Doubtful
   -   -   -   -   -   -   -   -   -   -
8- Loss
   -   -   -   -   -   -   -   5   -   5
Total
 $ 63,742   195,975   49,463   209,287   11,801   68,047   19   9,593   13,033   620,960
                                         
                                         
                                         
December 31, 2012
                              
(Dollars in thousands)
                          
 
Real Estate Loans
                    
 
Construction and Land Development
  
Single-
Family Residential
  
Single-
Family Residential - Banco de la Gente
Stated Income
  
Commercial
  
Multifamily and
Farmland
  
Commercial
  
Farm
  
Consumer
  
All Other
  
Total
                                         
1- Excellent Quality
 $ 11   24,662   -   -   -   672   -   1,239   -   26,584
2- High Quality
   4,947   56,829   -   27,511   32   9,260   -   4,122   2,317   105,018
3- Good Quality
   24,952   62,018   24,724   114,001   4,975   40,814   11   4,186   13,416   289,097
4- Management Attention
   18,891   35,727   11,366   47,603   3,039   11,844   -   392   5   128,867
5- Watch
   9,580   9,504   3,597   6,911   712   976   -   134   -   31,414
6- Substandard
   14,795   6,263   12,332   4,607   193   729   -   70   -   38,989
7- Low Substandard
   -   -   -   -   -   -   -   -   -   -
8- Doubtful
   -   -   -   -   -   -   -   -   -   -
9- Loss
   -   -   -   -   -   -   -   5   -   5
Total
 $ 73,176   195,003   52,019   200,633   8,951   64,295   11   10,148   15,738   619,974
 
Total TDR loans amounted to $21.9 million and $23.9 million at December 31, 2013 and 2012, respectively.  The terms of these loans have been renegotiated to provide a reduction in principal or interest as a result of the deteriorating financial position of the borrower.  There were $335,000 and $2.0 million in performing loans classified as TDR loans at December 31, 2013 and 2012, respectively.
 
 
A-50
 
 
The following table presents an analysis of TDR loans by loan type as of December 31, 2013.
 
December 31, 2013
          
(Dollars in thousands)
          
 
Number of Contracts
  
Pre-Modification Outstanding Recorded
Investment
  
Post-Modification Outstanding Recorded
Investment
Real estate loans
          
Construction and land development
 15   $ 10,222   6,528
Single-family residential
 20     1,281   1,754
Single-family residential -
            
Banco de la Gente stated income
 91     10,038   8,605
Commercial
 10     3,775   4,272
Multifamily and farmland
 1     322   177
Total real estate TDR loans
 137     25,638   21,336
             
Loans not secured by real estate
            
Commercial loans
 7     519   344
Consumer loans
 3     284   266
Total TDR loans
 147   $ 26,441   21,946
 
The following table presents an analysis of 2013 loan modifications included in the December 31, 2013 TDR table above.

Year ended December 31, 2013
          
(Dollars in thousands)
          
 
Number of Contracts
  
Pre-Modification Outstanding Recorded
Investment
  
Post-Modification Outstanding Recorded
Investment
Real estate loans
          
Construction and land development
 2   $ 841   824
Single-family residential -
            
Banco de la Gente stated income
 7     796   788
Total real estate TDR loans
 9     1,637   1,612
             
Total TDR loans
 9   $ 1,637   1,612
 
The following table presents an analysis of TDR loans by loan type as of December 31, 2012.
 
December 31, 2012
          
(Dollars in thousands)
          
 
Number of Contracts
  
Pre-Modification Outstanding Recorded
Investment
  
Post-Modification Outstanding Recorded
Investment
Real estate loans
          
Construction and land development
 11   $ 10,465   6,633
Single-family residential
 33     3,014   4,084
Single-family residential -
            
Banco de la Gente stated income
 122     13,459   12,170
Commercial
 4     1,457   682
Multifamily and farmland
 -       -     -  
Total real estate TDR loans
 170     28,395   23,569
             
Loans not secured by real estate
            
Commercial loans
 9     511   368
Consumer loans
 1     2   -  
Total TDR loans
 180   $ 28,908   23,937
 
 
 
A-51
 
 
The following table presents an analysis of 2012 loan modifications included in the December 31, 2012 TDR table above.
 
Year ended December 31, 2012
          
(Dollars in thousands)
          
 
Number of Contracts
  
Pre-Modification Outstanding Recorded
Investment
  
Post-Modification Outstanding Recorded
Investment
Real estate loans
          
Single-family residential
 5   $ 674   673
Single-family residential -
            
Banco de la Gente stated income
 20     2,046   1,992
Total real estate TDR loans
 25     2,720   2,665
             
Loans not secured by real estate
            
Commercial loans
 1     14   13
Total TDR loans
 26   $ 2,734   2,678
 
(4)
    Premises and Equipment

Major classifications of premises and equipment are summarized as follows:
 
(Dollars in thousands)
      
 
2013
  
2012
       
Land
 $ 3,667   3,657
Buildings and improvements
   15,126   14,815
Furniture and equipment
   16,239   17,660
         
Total premises and equipment
   35,032   36,132
         
Less accumulated depreciation
   18,674   20,258
         
Total net premises and equipment
 $ 16,358   15,874
 
Depreciation expense was approximately $1.9 million for the years ended December 31, 2013 and 2012.  The Company recognized approximately $2.0 million in depreciation expense for the year ended December 31, 2011.

(5)
    Time Deposits

At December 31, 2013, the scheduled maturities of time deposits are as follows:

(Dollars in thousands)
  
   
2014
 $ 127,036
2015
   48,913
2016
   22,318
2017
   10,155
2018 and thereafter
   8,781
     
Total
 $ 217,203
 
At December 31, 2013 and 2012, the Company had approximately $15.1 million and $21.4 million, respectively, in time deposits purchased through third party brokers, including certificates of deposit participated through the Certificate of Deposit Account Registry Service (“CDARS”) on behalf of local customers.  CDARS balances totaled $15.1 million and $20.1 million as of December 31, 2013 and 2012, respectively.  The weighted average rate of brokered deposits as of December 31, 2013 and 2012 was 0.14% and 0.29%, respectively.
 
 
A-52
 
 
(6)
    Federal Home Loan Bank and Federal Reserve Bank Borrowings

The Bank has borrowings from the FHLB with monthly or quarterly interest payments at December 31, 2013.  The FHLB borrowings are collateralized by a blanket assignment on all residential first mortgage loans, home equity lines of credit and loans secured by multi-family real estate that the Bank owns.  At December 31, 2013, the carrying value of loans pledged as collateral totaled approximately $132.9 million.  As additional collateral, the Bank has pledged securities to the FHLB.  At December 31, 2013, the market value of securities pledged to the FHLB totaled $17.3 million.

Borrowings from the FHLB outstanding at December 31, 2013 consist of the following:
 
(Dollars in thousands)
      
         
Maturity Date
Call Date
Rate
Rate Type
Amount
         
March 25, 2019
 N/A 4.260%
Convertible
   5,000
           
November 12, 2014
 N/A 2.230%
Fixed Rate Hybrid
   5,000
           
October 17, 2016
 N/A 3.734%
Adjustable Rate Hybrid
   5,000
           
October 17, 2018
 N/A 3.414%
Adjustable Rate Hybrid
   5,000
           
October 17, 2018
 N/A 3.654%
Adjustable Rate Hybrid
   15,000
           
October 17, 2018
 N/A 3.429%
Adjustable Rate Hybrid
   5,000
           
October 17, 2018
 N/A 3.484%
Adjustable Rate Hybrid
   5,000
           
May 8, 2018
 N/A 1.799%
Floating to Fixed
   5,000
           
May 8, 2018
 N/A 3.439%
Floating to Fixed
   15,000
           
        $ 65,000
 
The Bank is required to purchase and hold certain amounts of FHLB stock in order to obtain FHLB borrowings. No ready market exists for the FHLB stock, and it has no quoted market value. The stock is redeemable at $100 per share subject to certain limitations set by the FHLB. The Bank owned $4.1 million and $4.7 million of FHLB stock at December 31, 2013 and 2012, respectively.

As of December 31, 2013 and 2012, the Bank had no borrowings from the Federal Reserve Bank (“FRB”).  FRB borrowings are collateralized by a blanket assignment on all qualifying loans that the Bank owns which are not pledged to the FHLB.  At December 31, 2013, the carrying value of loans pledged as collateral totaled approximately $315.2 million.

(7)
    Junior Subordinated Debentures

In June 2006, the Company formed a second wholly-owned Delaware statutory trust, PEBK Capital Trust II (“PEBK Trust II”), which issued $20.0 million of guaranteed preferred beneficial interests in the Company’s junior subordinated deferrable interest debentures.  All of the common securities of PEBK Trust II are owned by the Company.  The proceeds from the issuance of the common securities and the trust preferred securities were used by PEBK Trust II to purchase $20.6 million of junior subordinated debentures of the Company.  The proceeds received by the Company from the sale of the junior subordinated debentures were used to repay in December 2006 the trust preferred securities issued in December 2001 by PEBK Capital Trust, a wholly-owned Delaware statutory trust of the Company, and for general purposes.  The debentures represent the sole assets of PEBK Trust II.  PEBK Trust II is not included in the consolidated financial statements.

The trust preferred securities issued by PEBK Trust II accrue and pay interest quarterly at a floating rate of three-month LIBOR plus 163 basis points.  The Company has guaranteed distributions and other payments due on the trust preferred securities to the extent PEBK Trust II does not have funds with which to make the distributions and other payments.  The net combined effect of all the documents entered into in connection with the trust preferred securities is that the Company is liable to make the distributions and other payments required on the trust preferred securities.
 
 
A-53
 
 
These trust preferred securities are mandatorily redeemable upon maturity of the debentures on June 28, 2036, or upon earlier redemption as provided in the indenture.  The Company has the right to redeem the debentures purchased by PEBK Trust II, in whole or in part, which became effective on June 28, 2011.  As specified in the indenture, if the debentures are redeemed prior to maturity, the redemption price will be the principal amount plus any accrued but unpaid interest.

(8)
    Income Taxes

The provision for income taxes is summarized as follows:

(Dollars in thousands)
            
 
2013
  
2012
  
2011
  
Current
 $ 1,345   1,800   2,141  
Deferred
   534   (213 ) (678 )
Total
 $ 1,879   1,587   1,463  
 
The differences between the provision for income taxes and the amount computed by applying the statutory federal income tax rate to earnings before income taxes are as follows:

(Dollars in thousands)
            
 
2013
  
2012
  
2011
  
Pre-tax income at statutory rate (34%)
 $ 2,914   2,509   2,251  
Differences:
              
Tax exempt interest income
   (1,481 ) (1,168 ) (1,052 )
Nondeductible interest and other expense
   141   52   62  
Cash surrender value of life insurance
   (147 ) (149 ) (101 )
State taxes, net of federal benefits
   428   324   233  
Nondeductible capital losses
   -     -     49  
Other, net
   24   19   21  
Total
 $ 1,879   1,587   1,463  
 
The following summarizes the tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities.  The net deferred tax asset is included as a component of other assets at December 31, 2013 and 2012.

(Dollars in thousands)
      
 
2013
  
2012
Deferred tax assets:
      
Allowance for loan losses
 $ 5,205   5,560
Accrued retirement expense
   1,489   1,409
Other real estate
   218   628
Other
   413   362
Unrealized loss on available for sale securities
   747   -  
Total gross deferred tax assets
   8,072   7,959
         
Deferred tax liabilities:
        
Deferred loan fees
   581   794
Premises and equipment
   530   417
Unrealized gain on available for sale securities
   -     3,581
Total gross deferred tax liabilities
   1,111   4,792
Net deferred tax asset
 $ 6,961   3,167
 
(9)           Related Party Transactions

The Company conducts transactions with its directors and executive officers, including companies in which they have beneficial interests, in the normal course of business. It is the policy of the  Bank that loan transactions with directors and officers are made on substantially the same terms as those prevailing at the time made for comparable loans to other persons. The following is a summary of activity for related party loans for 2013:
 
 
A-54
 
 
 
(Dollars in thousands)
    
     
Beginning balance
 $ 5,385  
New loans
   3,409  
Repayments
   (4,454 )
       
Ending balance
 $ 4,340  
 
At December 31, 2013 and 2012, the Bank had deposit relationships with related parties of approximately $17.6 million and $13.9 million, respectively.

(10)
    Commitments and Contingencies

The Company leases various office spaces for banking and operational facilities and equipment under operating lease arrangements. Future minimum lease payments required for all operating leases having a remaining term in excess of one year at December 31, 2013 are as follows:

(Dollars in thousands)
  
   
Year ending December 31,
  
2014
 $ 549
2015
   517
2016
   519
2017
   469
2018
   436
Thereafter
   1,253
Total minimum obligation
 $ 3,743
 
Total rent expense was approximately $672,000, $643,000 and $735,000 for the years ended December 31, 2013, 2012 and 2011, respectively.

The Bank is party to financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of its customers.  These financial instruments include commitments to extend credit, standby letters of credit and financial guarantees.  Those instruments involve, to varying degrees, elements of credit risk in excess of the amount recognized in the balance sheet.  The contract amounts of those instruments reflect the extent of involvement the Bank has in particular classes of financial instruments.

The exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit and standby letters of credit and financial guarantees written is represented by the contractual amount of those instruments. The Bank uses the same credit policies in making commitments and conditional obligations as it does for on-balance-sheet instruments.

In most cases, the  Bank requires collateral or other security to support financial instruments with credit risk.

(Dollars in thousands)
      
 
Contractual Amount
 
2013
  
2012
Financial instruments whose contract amount represent credit risk:
      
       
Commitments to extend credit
 $ 146,243   133,919
         
Standby letters of credit and financial guarantees written
 $ 4,361   3,297
 
Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract.  Commitments generally have fixed expiration dates and because they may expire without being drawn upon, the total commitment amount of $150.6 million does not necessarily represent future cash requirements.
 
 
A-55
 
 
Standby letters of credit and financial guarantees written are conditional commitments issued by the Bank to guarantee the performance of a customer to a third party. Those guarantees are primarily issued to businesses in the Bank’s delineated market area. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to customers. The Bank holds real estate, equipment, automobiles and customer deposits as collateral supporting those commitments for which collateral is deemed necessary.

In the normal course of business, the Company is a party (both as plaintiff and defendant) to a number of lawsuits. In the opinion of management and counsel, none of these cases should have a material adverse effect on the financial position of the  Company.

Bancorp and the Bank have employment agreements with certain key employees. The agreements, among other things, include salary, bonus, incentive stock option, and change in control provisions.

The Company has $62.5 million available for the purchase of overnight federal funds from six correspondent financial institutions as of December 31, 2013.

(11)
    Derivative Financial Instruments and Hedging Transactions

Accounting Policy for Derivative Instruments and Hedging Activities
The disclosure requirements for derivatives and hedging activities have the intent to provide users of financial statements with an enhanced understanding of: (a) how and why an entity uses derivative instruments, (b) how derivative instruments and related hedged items are accounted for and (c) how derivative instruments and related hedged items affect an entity’s financial position, financial performance, and cash flows.  The disclosure requirements include qualitative disclosures about objectives and strategies for using derivatives, quantitative disclosures about the fair value of and gains and losses on derivative instruments, and disclosures about credit-risk-related contingent features in derivative instruments.

The Company records all derivatives on the balance sheet at fair value.  The accounting for changes in the fair value of derivatives depends on the intended use of the derivative, whether the Company has elected to designate a derivative in a hedging relationship and apply hedge accounting and whether the hedging relationship has satisfied the criteria necessary to apply hedge accounting. Derivatives designated and qualifying as a hedge of the exposure to changes in the fair value of an asset, liability, or firm commitment attributable to a particular risk, such as interest rate risk, are considered fair value hedges. Derivatives designated and qualifying as a hedge of the exposure to variability in expected future cash flows, or other types of forecasted transactions, are considered cash flow hedges. Hedge accounting generally provides for the matching of the timing of gain or loss recognition on the hedging instrument with the recognition of the changes in the fair value of the hedged asset or liability that are attributable to the hedged risk in a fair value hedge or the earnings effect of the hedged forecasted transactions in a cash flow hedge.  The Company may enter into derivative contracts that are intended to economically hedge certain of its risks, even though hedge accounting does not apply or the Company elects not to apply hedge accounting.

Risk Management Objective of Using Derivatives
The Company has an overall interest rate risk management strategy that incorporates the use of derivative instruments to minimize significant unplanned fluctuations in earnings that are caused by interest rate volatility.  By using derivative instruments, the Company is exposed to credit and market risk.  If the counterparty fails to perform, credit risk is equal to the extent of the fair value gain in the derivative.  The Company minimizes the credit risk in derivative instruments by entering into transactions with high-quality counterparties that are reviewed periodically by the Company.  The Company did not have any interest rate derivatives outstanding as of December 31, 2013 or 2012.

Cash Flow Hedges of Interest Rate Risk
The Company’s objectives in using interest rate derivatives are to add stability to interest income and expense and to manage its exposure to interest rate movements. To accomplish this objective, the Company primarily uses interest rate swaps and floors as part of its interest rate risk management strategy.  For hedges of the Company’s variable-rate loan assets, interest rate swaps designated as cash flow hedges involve the receipt of fixed-rate amounts from a counterparty in exchange for the Company making variable-rate payments over the life of the agreements without exchange of the underlying notional amount.  For hedges of the Company’s variable-rate loan assets, the interest rate floors designated as a cash flow hedge involves the receipt of variable-rate amounts from a counterparty if interest rates fall below the strike rate on the contract in exchange for an up front premium.  The Company had an interest rate swap contract that expired in June 2011.  The Company did not have any interest rate derivatives outstanding as of December 31, 2013 or 2012.
 
 
A-56
 
 
The effective portion of changes in the fair value of derivatives designated and that qualify as cash flow hedges is recorded in “Accumulated Other Comprehensive Income” and is subsequently reclassified into earnings in the period that the hedged forecasted transaction affects earnings.  The ineffective portion of the change in fair value of the derivatives is recognized directly in earnings.

(12)
    Employee and Director Benefit Programs

The Company has a profit sharing and 401(k) plan for the benefit of substantially all employees subject to certain minimum age and service requirements. Under the 401(k) plan, the Company matched employee contributions to a maximum of 4.00% of annual compensation in 2013, 3.50% of annual compensation in 2012 and 2.50% of annual compensation in 2011.  The Company’s contribution pursuant to this formula was approximately $430,000, $345,000 and $219,000 for the years 2013, 2012 and 2011, respectively.  Investments of the 401(k) plan are determined by a committee comprised of senior management .  No investments in Company stock have been made by the 401(k) plan. The vesting schedule for the 401(k) plan begins at 20 percent after two years of employment and graduates 20 percent each year until reaching 100 percent after six years of employment.

In December 2001, the Company initiated a postretirement benefit plan to provide retirement benefits to key officers and its Board of Directors and to provide death benefits for their designated beneficiaries.  Under the postretirement benefit plan, the Company purchased life insurance contracts on the lives of the key officers and each director.  The increase in cash surrender value of the contracts constitutes the Company’s contribution to the postretirement benefit plan each year.  Postretirement benefit plan participants are to be paid annual benefits for a specified number of years commencing upon retirement. Expenses incurred for benefits relating to the postretirement benefit plan were approximately $395,000, $546,000 and $355,000 for the years 2013, 2012 and 2011, respectively.

The Company is currently paying medical benefits for certain retired employees. Postretirement medical benefits expense, including amortization of the transition obligation, as applicable, was approximately $24,000 and $23,000 for the years ended December 31, 2012 and 2011, respectively.   The Company did not incur any postretirement medical benefits expense due to an over accrual reversal in 2013.

The following table sets forth the change in the accumulated benefit obligation for the Company’s two postretirement benefit plans described above:

(Dollars in thousands)
        
 
2013
  
2012
  
         
Benefit obligation at beginning of period
 $ 3,382   2,923  
Service cost
   336   430  
Interest cost
   65   89  
Benefits paid
   (142 ) (60 )
Reversal of excess accrual
   (60 ) -    
           
Benefit obligation at end of period
 $ 3,581   3,382  
 
The amounts recognized in the Company’s Consolidated Balance Sheet as of December 31, 2013 and 2012 are shown in the following two tables:

(Dollars in thousands)
      
 
2013
  
2012
       
Benefit obligation
 $ 3,581   3,382
Fair value of plan assets
   -     -  
 
 
 
A-57
 
 
 
(Dollars in thousands)
        
 
2013
  
2012
  
         
Funded status
 $ (3,581 ) (3,382 )
Unrecognized prior service cost/benefit
   -     -    
Unrecognized net actuarial loss
   -     -    
           
Net amount recognized
 $ (3,581 ) (3,382 )
           
Unfunded accrued liability
 $ (3,581 ) (3,382 )
Intangible assets
   -     -    
           
Net amount recognized
 $ (3,581 ) (3,382 )
 
Net periodic benefit cost of the Company’s post retirement benefit plans for the years ended December 31, 2013 and 2012 consisted of the following:

(Dollars in thousands)
      
 
2013
  
2012
       
Service cost
 $ 336   430
Interest cost
   65   89
         
Net periodic cost
 $ 401   519
         
Weighted average discount rate assumption used to
        
determine benefit obligation
   5.46%   5.43%
 
The Company paid benefits under the two postretirement plans totaling $142,000 and $60,000 during the years ended December 31, 2013 and 2012, respectively.  Information about the expected benefit payments for the Company’s two postretirement benefit plans is as follows:

(Dollars in thousands)
  
   
Year ending December 31,
  
2014
 $ 205
2015
 $ 234
2016
 $ 233
2017
 $ 262
2018
 $ 275
Thereafter
 $ 8,648
 
(13)
    Regulatory Matters

The Company is subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company must meet specific capital guidelines that involve quantitative measures of the assets, liabilities and certain off-balance-sheet items as calculated under regulatory accounting practices. The capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors.

Quantitative measures established by regulation to ensure capital adequacy require the Company to maintain minimum amounts and ratios of capital in relation to both on- and off-balance sheet items at various risk weights. Total capital consists of two tiers of capital. Tier 1 Capital includes common shareholders’ equity and trust preferred securities less adjustments for intangible assets. Tier 2 Capital consists of the allowance for loan losses, up to 1.25% of risk-weighted assets and other adjustments.  Management believes, as of December 31, 2013, that the Company and the Bank meet all capital adequacy requirements to which they are subject.
 
 
A-58
 
 
As of December 31, 2013, the most recent notification from the FDIC categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized the Bank must maintain minimum total risk-based, Tier 1 risk-based and Tier 1 leverage ratios as set forth in the table below. There have been no conditions or events since that notification that management believes have changed the Bank’s category.

On July 2, 2013, the FRB approved its final rule on the Basel III capital standards, which implement changes to the regulatory capital framework for banking organizations.  Capital levels at the Company and the Bank currently exceed the new capital requirements, which will be effective on January 1, 2015.

The Company’s and the Bank’s actual capital amounts and ratios are presented below:
 
(Dollars in thousands)
                
 
Actual
  
For Capital
Adequacy Purposes
  
To Be Well
Capitalized Under
Prompt Corrective
Action Provisions
                       
 
Amount
  
Ratio
  
Amount
  
Ratio
  
Amount
  
Ratio
                       
As of December 31, 2013:
                      
                       
Total Capital (to Risk-Weighted Assets)
                      
Consolidated
 $ 114,185   16.14%   56,582   8.00%   N/A   N/A
Bank
 $ 110,935   15.73%   56,412   8.00%   70,515   10.00%
Tier 1 Capital (to Risk-Weighted Assets)
                        
Consolidated
 $ 104,890   14.83%   28,291   4.00%   N/A   N/A
Bank
 $ 101,733   14.43%   28,206   4.00%   42,309   6.00%
Tier 1 Capital (to Average Assets)
                        
Consolidated
 $ 104,890   10.08%   41,622   4.00%   N/A   N/A
Bank
 $ 101,733   9.79%   41,584   4.00%   51,981   5.00%
                         
As of December 31, 2012:
                        
                         
Total Capital (to Risk-Weighted Assets)
                        
Consolidated
 $ 121,246   17.34%   55,928   8.00%   N/A   N/A
Bank
 $ 117,453   16.84%   55,784   8.00%   69,730   10.00%
Tier 1 Capital (to Risk-Weighted Assets)
                        
Consolidated
 $ 112,135   16.04%   27,964   4.00%   N/A   N/A
Bank
 $ 108,379   15.54%   27,892   4.00%   41,838   6.00%
Tier 1 Capital (to Average Assets)
                        
Consolidated
 $ 112,135   11.12%   40,342   4.00%   N/A   N/A
Bank
 $ 108,379   10.76%   40,302   4.00%   50,377   5.00%
 
(14)
    Shareholders’ Equity

Shareholders’ equity was $83.7 million as of December 31, 2013, compared to $97.7 million as of December 31, 2012.  This decrease reflects the Company’s repurchase and redemption of its Series A preferred stock combined with a reduction in accumulated other comprehensive income resulting from a decrease in the unrealized gain on investment securities.  The Company received regulatory approval in December 2013 to repurchase and redeem the remaining 12,524 outstanding shares of its Series A preferred stock.  The repurchase and redemption was completed on January 17, 2014 and is reflected on the Company’s Consolidated Balance Sheets as of December 31, 2013.   “Accrued interest payable and other liabilities” at December 31, 2013 includes $12.6 million for the payment to preferred shareholders of principal and accrued dividends on January 17, 2014.

During 2012, the Company purchased 12,530 shares of the Company’s 25,054 outstanding shares of Series A preferred stock from the UST.  The shares were purchased for $933.36 per share, for a total purchase price of $11,778,576, including $83,575 accrued and unpaid dividends on the Series A preferred stock.  The Company retired the 12,530 shares purchased.  The $834,999 difference between the $12,530,000 face value of the Series A preferred stock retired and the $11,695,001 purchase price of the Series A preferred stock retired was credited to retained earnings effective June 30, 2012.
 
 
A-59
 
 
During 2012, the Company completed its repurchase of the Warrant to purchase 357,234 shares of the Company’s common stock that was issued to the UST.  The Company repurchased the Warrant for a total price of $425,000.

The Board of Directors, at its discretion, can issue shares of preferred stock up to a maximum of 5,000,000 shares. The Board of Directors is authorized to determine the number of shares, voting powers, designations, preferences, limitations and relative rights.
 
(15)
    Other Operating Income and Expense

Other operating income for the years ended December 31, 2013, 2012 and 2011 included the following items that exceeded one percent of total revenues at some point during the following three-year period:

(Dollars in thousands)
          
 
2013
  
2012
  
2011
Visa debit card income
 $ 2,990   2,092   1,783
Net appraisal management fee income
 $ 718   737   375
Insurance and brokerage commissions
 $ 661   517   471
 
Other operating expense for the years ended December 31, 2013, 2012 and 2011 included the following items that exceeded one percent of total revenues at some point during the following three-year period:

(Dollars in thousands)
          
 
2013
  
2012
  
2011
Advertising
 $ 685   695   660
FDIC insurance
 $ 864   894   1,061
Visa debit card expense
 $ 823   729   658
Telephone
 $ 570   554   605
Foreclosure/OREO expense
 $ 356   677   904
Internet banking expense
 $ 568   593   509
FHLB advance prepayment penalty
 $ 530   -     -   
 
(16)
    Fair Value of Financial Instruments

The Company is required to disclose fair value information about financial instruments, whether or not recognized on the face of the balance sheet, for which it is practicable to estimate that value. The assumptions used in the estimation of the fair value of the Company’s financial instruments are detailed below. Where quoted prices are not available, fair values are based on estimates using discounted cash flows and other valuation techniques. The use of discounted cash flows can be significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. The following disclosures should not be considered a surrogate of the liquidation value of the Company, but rather a good faith estimate of the increase or decrease in the value of financial instruments held by the Company since purchase, origination, or issuance.

The Company groups assets and liabilities at fair value in three levels, based on the markets in which the assets and liabilities are traded and the reliability of the assumptions used to determine fair value.  These levels are:

·  
Level 1 – Valuation is based upon quoted prices for identical instruments traded in active markets.
·  
Level 2 – Valuation is based upon quoted prices for similar instruments in active markets, quoted prices for identical or similar instruments in markets that are not active, and model-based valuation techniques for which all significant assumptions are observable in the market.
·  
Level 3 – Valuation is generated from model-based techniques that use at least one significant assumption not observable in the market.  These unobservable assumptions reflect estimates of assumptions that market participants would use in pricing the asset or liability.  Valuation techniques include use of option pricing models, discounted cash flow models and similar techniques.

Cash and Cash Equivalents
For cash, due from banks and interest-bearing deposits, the carrying amount is a reasonable estimate of fair value.  Cash and cash equivalents are reported in the Level 1 fair value category.
 
 
A-60
 
 
Investment Securities Available for Sale
Fair values of investment securities available for sale are determined by obtaining quoted prices on nationally recognized securities exchanges when available.  If quoted prices are not available, fair value is determined using matrix pricing, which is a mathematical technique used widely in the industry to value debt securities without relying exclusively on quoted prices for the specific securities but rather by relying on the securities’ relationship to other benchmark quoted securities.  Fair values for investment securities with quoted market prices are reported in the Level 1 fair value category.  Fair value measurements obtained from independent pricing services are reported in the Level 2 fair value category. All other fair value measurements are reported in the Level 3 fair value category.

Other Investments
For other investments, the carrying value is a reasonable estimate of fair value.  Other investments are reported in the Level 3 fair value category.

Mortgage Loans Held for Sale
Mortgage loans held for sale are carried at lower of aggregate cost or market value.  The cost of mortgage loans held for sale approximates the market value.  Mortgage loans held for sale are reported in the Level 3 fair value category.

Loans
The fair value of fixed rate loans is estimated by discounting the future cash flows using the current rates at which similar loans would be made to borrowers with similar credit ratings. For variable rate loans, the carrying amount is a reasonable estimate of fair value.  Loans are reported in the Level 3 fair value category, as the pricing of loans is more subjective than the pricing of other financial instruments.

Cash Surrender Value of Life Insurance
For cash surrender value of life insurance, the carrying value is a reasonable estimate of fair value.  Cash surrender value of life insurance is reported in the Level 2 fair value category.

Other Real Estate
The fair value of other real estate is based upon independent market prices, appraised values of the collateral or management’s estimation of the value of the collateral.  Other real estate is reported in the Level 3 fair value category.

Deposits
The fair value of demand deposits, interest-bearing demand deposits and savings is the amount payable on demand at the reporting date. The fair value of certificates of deposit is estimated by discounting the future cash flows using the rates currently offered for deposits of similar remaining maturities.  Deposits are reported in the Level 2 fair value category.

Securities Sold Under Agreements to Repurchase
For securities sold under agreements to repurchase, the carrying value is a reasonable estimate of fair value.  Securities sold under agreements to repurchase are reported in the Level 2 fair value category.

FHLB Borrowings
The fair value of FHLB borrowings is estimated based upon discounted future cash flows using a discount rate comparable to the current market rate for such borrowings.  FHLB borrowings are reported in the Level 2 fair value category.

Junior Subordinated Debentures
Because the Company’s junior subordinated debentures were issued at a floating rate, the carrying amount is a reasonable estimate of fair value.  Junior subordinated debentures are reported in the Level 2 fair value category.

Commitments to Extend Credit and Standby Letters of Credit
Commitments to extend credit and standby letters of credit are generally short-term and at variable interest rates. Therefore, both the carrying value and estimated fair value associated with these instruments are immaterial.
 
 
A-61
 
 
Limitations
Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company’s entire holdings of a particular financial instrument. Because no market exists for a significant portion of the Company’s financial instruments, fair value estimates are based on many judgments. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with precision. Changes in assumptions could significantly affect the estimates.

Fair value estimates are based on existing on and off-balance sheet financial instruments without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments. Significant assets and liabilities that are not considered financial instruments include deferred income taxes and premises and equipment. In addition, the tax ramifications related to the realization of unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in the estimates.

The carrying amount and estimated fair value of the Company’s financial instruments at December 31, 2013 and 2012 are as follows:

(Dollars in thousands)
                  
     
Fair Value Measurements at December 31, 2013
 
Carrying
Amount
  
Level 1
  
Level 2
  
Level 3
  
Total
Assets:
                  
Cash and cash equivalents
 $ 76,773   76,773   -   -   76,773
Investment securities available for sale
   297,890   1,689   294,951   1,250   297,890
Other investments
   4,990   -   -   4,990   4,990
Mortgage loans held for sale
   497   -   -   497   497
Loans, net
   607,459   -   -   612,132   612,132
Cash surrender value of life insurance
   13,706   -   13,706   -   13,706
                     
Liabilities:
                    
Deposits
 $ 799,361   -   798,460   -   798,460
Securities sold under agreements
                    
to repurchase
   45,396   -   45,396   -   45,396
FHLB borrowings
   65,000   -   65,891   -   65,891
Junior subordinated debentures
   20,619   -   20,619   -   20,619
                     
                     
(Dollars in thousands)
                    
       
Fair Value Measurements at December 31, 2012
 
Carrying
Amount
  
Level 1
  
Level 2
  
Level 3
  
Total
Assets:
                    
Cash and cash equivalents
 $ 48,843   48,843   -   -   48,843
Investment securities available for sale
   297,823   1,468   295,105   1,250   297,823
Other investments
   5,599   -   -   5,599   5,599
Mortgage loans held for sale
   6,922   -   -   6,922   6,922
Loans, net
   605,551   -   -   599,996   599,996
Cash surrender value of life insurance
   13,273   -   13,273   -   13,273
                     
Liabilities:
                    
Deposits
 $ 781,525   -   780,662   -   780,662
Securities sold under agreements
                    
to repurchase
   34,578   -   34,578   -   34,578
FHLB borrowings
   70,000   -   76,375   -   76,375
Junior subordinated debentures
   20,619   -   20,619   -   20,619
 
 
 
A-62
 
 
 
(17)
Peoples Bancorp of North Carolina, Inc. (Parent Company Only) Condensed Financial Statements

 
Balance Sheets
       
December 31, 2013 and 2012
(Dollars in thousands)
       
Assets
2013
  
2012
       
Cash
 $ 12,879   324
Interest-bearing time deposit
   -     800
Investment in subsidiaries
   102,113   115,386
Investment securities available for sale
   1,721   1,596
Other assets
   273   260
         
Total assets
 $ 116,986   118,366
         
Liabilities and Shareholders' Equity
        
         
Junior subordinated debentures
 $ 20,619   20,619
Liabilities
   12,648   -  
Shareholders' equity
   83,719   97,747
         
Total liabilities and shareholders' equity
 $ 116,986   118,366
 
 
Statements of Earnings
             
For the Years Ended December 31, 2013, 2012 and 2011
(Dollars in thousands)
             
Revenues:
2013
  
2012
  
2011
  
             
Interest and dividend income
 $ 13,576   113   226  
Impairment of securities
   -     -     (144 )
               
Total revenues
   13,576   113   82  
               
Expenses:
              
               
Interest
   398   438   407  
Other operating expenses
   159   476   190  
               
Total expenses
   557   914   597  
               
Income/(Loss) before income tax benefit and equity in
              
undistributed earnings of subsidiaries
   13,019   (801 ) (515 )
               
Income tax benefit
   84   166   56  
               
Income/(Loss) before equity in undistributed
              
earnings of subsidiaries
   13,103   (635 ) (459 )
               
Equity in undistributed earnings of subsidiaries
   (6,412 ) 6,428   5,618  
               
Net earnings
 $ 6,691   5,793   5,159  
 
 
 
A-63
 
 
 
Statements of Cash Flows
  
             
For the Years Ended December 31, 2013, 2012 and 2011
(Dollars in thousands)
             
 
2013
  
2012
  
2011
  
Cash flows from operating activities:
            
             
Net earnings
 $ 6,691   5,793   5,159  
Adjustments to reconcile net earnings to net
              
cash used by operating activities:
              
Equity in undistributed earnings of subsidiaries
   6,412   (6,428 ) (5,618 )
Impairment of investment securities
   -     -     144  
Change in:
              
Other assets
   (73 ) -     112  
Accrued income
   -     11   (11 )
Accrued expense
   27   41   (216 )
Other liabilities
   12,632   -     -    
               
Net cash provided (used by) operating activities
   25,689   (583 ) (430 )
               
Cash flows from investing activities:
              
               
Proceeds from maturities of investment securities available for sale
   1   -     -    
Net change in interest-bearing time deposit
   800   14,200   2,000  
               
Net cash provided by investing activities
   801   14,200   2,000  
               
Cash flows from financing activities:
              
               
Cash dividends paid on Series A preferred stock
   (734 ) (1,023 ) (1,253 )
Cash dividends paid on common stock
   (677 ) (1,003 ) (443 )
Preferred stock and warrant repurchase
   (12,524 ) (12,122 ) -    
Restricted stock payout
   -     -     17  
Proceeds from exercise of stock options
   -     539   -    
               
Net cash used by financing activities
   (13,935 ) (13,609 ) (1,679 )
               
Net change in cash
   12,555   8   (109 )
               
Cash at beginning of year
   324   316   425  
               
Cash at end of year
 $ 12,879   324   316  
               
Noncash investing and financing activities:
              
Change in unrealized gain on investment securities
              
 available for sale, net
 $ 77   (46 ) (3 )
 
 
 
A-64
 
 
DIRECTORS AND OFFICERS OF THE COMPANY

DIRECTORS

Robert C. Abernethy – Chairman
Chairman of the Board, Peoples Bancorp of North Carolina, Inc. and Peoples Bank;
President, Secretary and Treasurer, Carolina Glove Company, Inc. (glove manufacturer)
Secretary and Assistant Treasurer, Midstate Contractors, Inc. (paving company)

James S. Abernethy
Vice President, Carolina Glove Company, Inc. (glove manufacturer)
President and Assistant Secretary, Midstate Contractors, Inc. (paving company)
Vice President, Secretary and Chairman of the Board of Directors, Alexander Railroad Company

Douglas S. Howard
Vice President, Secretary and Treasurer, Denver Equipment of Charlotte, Inc.

John W. Lineberger, Jr.
President, Lincoln Bonded Warehouse Company (commercial warehousing facility)

Gary E. Matthews
President and Director, Matthews Construction Company, Inc. (general contractor)

Billy L. Price, Jr. MD
Managing Partner and Practitioner of Internal Medicine, Catawba Valley Internal Medicine, PA

Larry E. Robinson
President and Chief Executive Officer, The Blue Ridge Distributing Co., Inc. (beer and wine distributor)
Partner and Chief Operating Officer, United Beverages of North Carolina, LLC (beer distributor)

William Gregory (Greg) Terry
General Manager, Drum & Willis-Reynolds Funeral Homes and Crematory

Dan Ray Timmerman, Sr.
Chairman of the Board and Chief Executive Officer, Timmerman Manufacturing, Inc. (wrought iron furniture, railings and gates manufacturer)

Benjamin I. Zachary
President, Treasurer, General Manager and Director, Alexander Railroad Company



OFFICERS

Lance A. Sellers
President and Chief Executive Officer

A. Joseph Lampron, Jr.
Executive Vice President, Chief Financial Officer and Corporate Treasurer

William D. Cable, Sr.
Executive Vice President, Assistant Corporate Treasurer and Assistant Corporate Secretary

Joseph F. Beaman, Jr.
Executive Vice President and Corporate Secretary
 
 
 
A-65
 
 
 EX-21 5 exhibit21.htm EXHIBIT (21) exhibit21.htm
EXHIBIT (21)

SUBSIDIARIES OF THE REGISTRANT

A list of subsidiaries is contained in Part I, Item 1 Business, Subsidiaries and is incorporated herein by reference.
 EX-23 6 exhibit23.htm EXHIBIT (23) exhibit23.htm
EXHIBIT (23)

CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM



We have issued our report, dated March 21, 2014, accompanying the consolidated financial statements incorporated by reference in the Annual Report of Peoples Bancorp of North Carolina, Inc. on Form 10-K for the year ended December 31, 2013. We hereby consent to the incorporation by reference of said report in the Registration Statement of Peoples Bancorp of North Carolina, Inc. on Form S-3 (File No. 333-43426, effective August 10, 2000), and on Form S-8 (File No. 333-46860, effective September 28, 2000).



 
/s/
Porter Keadle Moore, LLP
  
 



Atlanta, Georgia
March 21, 2014

 EX-31.A 7 exhibit31_a.htm EXHIBIT (31)(A) exhibit31_a.htm
EXHIBIT (31)(a)

CERTIFICATIONS


I, Lance A. Sellers, certify that:

1.  
I have reviewed this annual report on Form 10-K of Peoples Bancorp of North Carolina, Inc.;

2.  
Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

3.  
Based on my knowledge, the financial statements, and other financial information included in this annual report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

4.  
The registrant’s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

a)  
designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this annual report is being prepared;

b)  
designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

c)  
evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

d)  
disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter (the registrant’s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect the registrant’s internal control over financial reporting; and

5.  
The registrant’s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of registrant’s board of directors (or persons performing the equivalent functions):

a)  
all significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information;  and

b)  
any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.
 

 


March 21, 2014
  
 /s/ Lance A. Sellers
  
Date
  
Lance A. Sellers
  
   
President and Chief Executive Officer
  
   
(Principal Executive Officer)
  
 
 EX-31.B 8 exhibit31_b.htm EXHIBIT (31)(B) exhibit31_b.htm
EXHIBIT (31)(b)

CERTIFICATIONS


I, A. Joseph Lampron, Jr., certify that:

1.  
I have reviewed this annual report on Form 10-K of Peoples Bancorp of North Carolina, Inc.;

2.  
Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

3.  
Based on my knowledge, the financial statements, and other financial information included in this annual report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

4.  
The registrant’s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

a)  
designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this annual report is being prepared;

b)  
designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

c)  
evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation ; and

d)  
disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter (the registrant’s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect the registrant’s internal control over financial reporting; and

5.  
The registrant’s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of registrant’s board of directors (or persons performing the equivalent functions):

a)  
all significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information;  and

b)  
any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.

 

 
 
March 21, 2014
  
 /s/ A. Joseph Lampron, Jr.
  
Date
  
A. Joseph Lampron, Jr.
  
   
Executive Vice President and Chief Financial Officer
  
   
(Principal Financial and Principal Accounting Officer)
  

 
 EX-32 9 exhibit32.htm EXHIBIT (32) exhibit32.htm
EXHIBIT (32)

CERTIFICATION PURSUANT TO
18 U.S.C. § 1350,
AS ADOPTED PURSUANT TO
SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the Annual Report of Peoples Bancorp of North Carolina, Inc. (the “Company”) on Form 10-K for the period ending December 31, 2013, as filed with the Securities and Exchange Commission on the date hereof (the “Report”), each of the undersigned certifies, pursuant to 18 U.S.C. § 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that, to the best knowledge of the undersigned:


(1)           The Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and

(2)           The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.
 
 
       
March 21, 2014
  
 /s/ Lance A. Sellers
  
Date
  
Lance A. Sellers
  
   
Chief Executive Officer
  
       
       
       
March 21, 2014
  
 /s/ A. Joseph Lampron, Jr.
  
Date
  
A. Joseph Lampron, Jr.
  
   
Chief Financial Officer
  
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Consolidated Balance Sheet Schedule of Net Benefit Costs Schedule of Expected Benefit Payments Bank's actual capital amounts and ratios Other operating income and expense Carrying amount and estimated fair value of the Company's financial instruments Balance Sheets Statements of Earnings Statements of Cash Flows Summary Of Significant Accounting Policies Details Number of Options Number of Options Outstanding, Beginning Number of Options Granted Number of Options Expired Number of Options Forfeited Number of Options Exercised Number of Options Outstanding, Ending Vested and expected to vest at December 31, 2013 Exercisable, December 31, 2013 Weighted Average Exercise Price Weighted Average Exercise Price Outstanding, Beginning Weighted Average Exercise Price Granted Weighted Average Exercise Price Expired Weighted Average Exercise Price Forfeited Weighted Average Exercise Price Exercised Weighted Average Exercise Price Outstanding, Ending Weighted Average Exercise Price vest at December 31, 2013 Weighted Average Exercise Price Exercisable, December 31, 2013 Weighted Average Remaining Contractual Life (in years) Weighted Average Remaining Contractual Term (in years) Outstanding Weighted Average Remaining Contractual Term (in years) Exercisable, December 31, 2012 Aggregate Intrinsic Value Options Outstanding, Intrinsic Value Options Exercisable, Intrinsic Value Summary Of Significant Accounting Policies Details 1 Net Earnings Available to Common Shareholders Basic earnings Effect of dilutive securities: Stock options Diluted earnings Common Shares Basic earnings per common share (in shares) Effect of dilutive securities: Stock options (in shares) Diluted earnings per common share (in shares) Per Share Amount Basic earnings per common share (in dollars per share) Diluted earnings per common share (in dollars per share) Summary Of Significant Accounting Policies Details Narrative Unpaid principal balances of mortgage loans serviced for others Balance of other real estate Compensation expense for restricted stock awards Unrecognized compensation expense Investment securities available for sale Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value Investment securities with continuous unrealized loss position Less than 12 Months, Fair Value Less than 12 Months, Unrealized Losses 12 Months or More, Fair Value 12 Months or More, Unrealized Losses Total, Fair Value Total, Unrealized Losses Investment Securities Contractual Maturity Details Amortized Cost Due within one year Due from one to five years Due from five to ten years Due after ten years Mortgage-backed securities Equity securities Total Estimated Fair Value Due within one year Due from one to five years Due from five to ten years Due after ten years Mortgage-backed securities Equity securities Total Estimated Fair Value Level 1 valuation Level 2 valuation Level 3 valuation Investment Securities Available for Sale Level 3 Valuation Balance, beginning of period Change in book value Change in gain/(loss) realized and unrealized Purchases/(sales) Transfers in and/or (out) of Level 3 Balance, end of period Change in unrealized gain/(loss) for assets still held in Level 3 Investment Securities Details Narrative Unrealized losses in the investment securites portfolio relating to debt securities Other than temporary write downs Remaining value of impaired investments Gains on sales of available-to-sale securities Loss on sales of available-to-sale securities Securities pledged to secure public deposits Major classifications Total Loans Less allowance for loan losses Net loans Past due loans Loans 30-89 Days Past Due Loans 90 or More Days Past Due Total Past Due Loans Total Current Loans Total loans Accruing Loans 90 or More Days Past Due Non-accrual loans Non-accrual loans Impaired loans Unpaid Contractual Principal Balance Recorded Investment With No Allowance Recorded Investment With Allowance Recorded Investment in Impaired Loans Related Allowance Average Outstanding Impaired Loans Impaired loans Allowance for loan losses Beginning balance Charge-offs Recoveries Provision Ending balance Ending balance: individually evaluated for impairments Ending balance: collectively evaluated for impairments Ending balance Loans Ending balance Ending balance: individually evaluated for impairment Ending balance: collectively evaluated for impairment Credit risk profile TDR Loans Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Loans Details Narrative Percentage of construction and land development loans in Bank's loan portfolio Percentage of single-family residential loans in Bank's loan portfolio Percentage of Single-family residential - Banco de la Gente stated income loans in Bank's loan portfolio Percentage of commercial real estate loans in Bank's loan portfolio Percentage of commercial loans in Bank's loan portfolio Accruing impaired loans Interest income recognized on accruing impaired loans TDR loan amounts Amount of performing TDR loans included Premises And Equipment Details Land Buildings and improvements Furniture and equipment Total premises and equipment Less accumulated depreciation Total net premises and equipment Premises And Equipment Details Narrative Depreciation expense Time Deposits Details 2014 2015 2016 2017 2018 and thereafter Total Time Deposits Details Narrative Time deposits purchased through third party brokers, including certificates of deposit participated through the Certificate of Deposit Account Registry Service ("CDARS") on behalf of local customers CDARS balances Weighted average rate of brokered deposits Federal Home Loan Bank And Federal Reserve Bank Borrowings Details Narrative Loans pledged as collateral to the FHLB Market value of securities pledged to the FHLB FLHB stock owned Carrying values of loans pledged as collateral to the FHLB Carrying value of loans pledged as collateral to the FRB Income Taxes Details Current Deferred Total Income Taxes Details 1 Pre-tax income at statutory rate (34%) Differences: Tax exempt interest income Nondeductible interest and other expense Cash surrender value of life insurance State taxes, net of federal benefits Nondeductible capital losses Other, net Total Income Taxes Details 2 Deferred tax assets: Allowance for loan losses Amortizable intangible assets Accrued retirement expense Other real estate Other Unrealized loss on available for sale securities Total gross deferred tax assets Deferred tax liabilities: Deferred loan fees Premises and equipment Unrealized gain on available for sale securities Total gross deferred tax liabilities Net deferred tax asset Related Party Transactions Details Beginning balance New loans Repayments Ending balance Related Party Transactions Details Narrative Related party deposits Commitments And Contingencies Details 2014 2015 2016 2017 2018 Thereafter Total minimum obligation Commitments and contingencies Commitments And Contingencies Details Narrative Rent expense Employee And Director Benefit Programs Details Benefit obligation at beginning of period Service cost Interest cost Benefits paid Reversal of excess accrual Benefit obligation at end of period Employee And Director Benefit Programs Details 1 Benefit obligation Fair value of plan assets Funded status Net amount recognized Unfunded accrued liability Net amount recognized in balance sheet Employee And Director Benefit Programs Details 2 Net periodic cost Weighted average discount rate assumption used to determine benefit obligation Employee And Director Benefit Programs Details 3 2014 2015 2016 2017 2018 Thereafter Employee And Director Benefit Programs Details Narrative Defined Benefit Plan, Contributions by Employer Expenses incurred for benefits relating to the postretirement benefit Postretirement medical benefits expense, including amortization of the transition obligation Benefits paid Segments [Axis] Actual, amount Actual, ratio For Capital Adequacy Purposes, amount For Capital Adequacy Purposes, ratio To Be Well Capitalized Under Prompt Corrective Action Provisions, amount To Be Well Capitalized Under Prompt Corrective Action Provisions, ratio Other Operating Income And Expense Details Visa debit card income Net appraisal management fee income Advertising FDIC insurance Visa debit card expense Telephone Foreclosure/OREO expense Internet banking expense FHLB advance prepayment penalty Assets: Cash and cash equivalents Other investments Mortgage loans held for sale Loans, net Cash surrender value of life insurance Liabilities: Deposits Securities sold under agreements to repurchase FHLB borrowings Junior subordinated debentures Cash Interest-bearing time deposit Investment in subsidiaries Other assets Liabilities Shareholders' equity Revenues: Interest and dividend income Impairment of securities Total revenues Expenses: Interest Other operating expenses Total expenses Income/(Loss) before income tax benefit and equity in undistributed earnings of subsidiaries Income tax benefit Income/(Loss) before equity in undistributed earnings of subsidiaries Equity in undistributed earnings of subsidiaries Adjustments to reconcile net earnings to net cash used by operating activities: Equity in undistributed earnings of subsidiaries Other assets Accrued income Accrued expense Other liabilities Proceeds from maturities of investment securities available for sale Net change in interest-bearing time deposit Cash dividends paid on Series A preferred stock Cash dividends paid on common stock Preferred stock and warrant repurchase Proceeds from exercise of stock options Cash at beginning of year Cash at end of year Change in unrealized gain on investment securities available for sale, net Accrued interest receivable and other assets Available-for-sale Securities, Debt Maturities, Equity Securities, Amortized Cost Available-for-sale Securities, Debt Maturities, Equity Securities, Fair Value Available-for-sale Securities, Debt Maturities, Mortgage-Backed Securities, Amortized Cost Available-for-sale Securities, Debt Maturities, Mortgage-Backed Securities, Fair Value Cash paid during the year for: [Abstract] Cash reserves requirements Earnings Per Share, Per Share Amount, Reconciliation [Abstract] Financing Receivable Recorded Investment 30 To 89 Days Past Due Gain (Loss) On Sale And Write- Down Of Other Real Estate And Repossessed Assets Loans Receivable [Abstract] Number of options abstract Restricted stock Payout Shares from restricted stock payout Warrant Repurchases Weighted average remaining contractual life in years abstract Fair Value, Inputs, Level 1 [Member] Fair Value, Inputs, Level 2 [Member] Fair Value, Inputs, Level 3 [Member] Cash and Cash Equivalents, at Carrying Value Marketable Securities Assets [Default Label] Deposits [Default Label] Liabilities and Equity Interest Income, Securities, US Treasury and Other US Government Interest Expense, Federal Home Loan Bank and Federal Reserve Bank Advances, Long-term Interest Expense, Junior Subordinated Debentures Interest Expense, Other Interest Expense Interest Income (Expense), Net Interest Income (Expense), after Provision for Loan Loss Noninterest Income Other Noninterest Expense Noninterest Expense Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, before Tax Other Comprehensive Income (Loss), before Tax, Portion Attributable to Parent Other Comprehensive Income (Loss), Unrealized Holding Gain (Loss) on Securities Arising During Period, Tax Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, Tax Other Comprehensive Income (Loss), Unrealized Gain (Loss) on Derivatives Arising During Period, Tax Other Comprehensive Income (Loss), Tax, Portion Attributable to Parent Other Comprehensive Income (Loss), Net of Tax, Portion Attributable to Parent Comprehensive Income (Loss), Net of Tax, Attributable to Parent Shares, Outstanding Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest Net Income (Loss), Including Portion Attributable to Noncontrolling Interest Gain (Loss) on Sale of Investments Gains (Losses) on Sales of Other Real Estate Increase (Decrease) in Loans Held-for-sale Life Insurance, Corporate or Bank Owned, Change in Value Increase (Decrease) in Other Operating Assets Net Cash Provided by (Used in) Operating Activities Payments to Acquire Available-for-sale Securities Payments to Acquire Other Investments Payments to Acquire Federal Reserve Bank Stock Payments for (Proceeds from) Loans and Leases Payments to Acquire Property, Plant, and Equipment Payments to Acquire Life Insurance Policies Net Cash Provided by (Used in) Investing Activities Repayments of Federal Home Loan Bank Borrowings RepaymentsOfFrbBorrowings WarrantRepurchases Payments for Repurchase of Redeemable Preferred Stock Payments of Ordinary Dividends, Preferred Stock and Preference Stock Payments of Ordinary Dividends, Common Stock Net Cash Provided by (Used in) Financing Activities Cash and Cash Equivalents, Period Increase (Decrease) Unrealized Gain (Loss) on Derivatives Accretion (Amortization) of Discounts and Premiums, Investments Loans, Notes, Trade and Other Receivables Disclosure [Text Block] Investment, Policy [Policy Text Block] Trade and Loan Receivables, Nonmortgage Loans Held-for-sale, Policy [Policy Text Block] Property, Plant and Equipment, Policy [Policy Text Block] Income Tax, Policy [Policy Text Block] Available-for-sale Securities [Table Text Block] Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Number Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price Net Income (Loss) Available to Common Stockholders, Diluted Weighted Average Number of Shares Outstanding, Diluted Available-for-sale Securities [Abstract] Available-for-sale Securities, Amortized Cost Basis Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value Available-For-SaleSecuritiesDebtMaturitiesMortgage-BackedSecuritiesAmortizedCost Available-For-SaleSecuritiesDebtMaturitiesEquitySecuritiesAmortizedCost Available-for-sale Securities, Debt Maturities, Amortized Cost Basis Available-for-sale Securities, Debt Maturities, Fair Value, Fiscal Year Maturity [Abstract] Available-for-sale Securities, Debt Maturities, Next Twelve Months, Fair Value Available-for-sale Securities, Debt Maturities, Year Two Through Five, Fair Value Available-for-sale Securities, Debt Maturities, Year Six Through Ten, Fair Value Available-for-sale Securities, Debt Maturities, after Ten Years, Fair Value Available-For-SaleSecuritiesDebtMaturitiesMortgage-BackedSecuritiesFairValue Available-For-SaleSecuritiesDebtMaturitiesEquitySecuritiesFairValue Available-for-sale Securities, Debt Securities Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset Value Financing Receivable, Recorded Investment, Past Due Loans and Leases Receivable, Other Information [Abstract] Loans and Leases Receivable, Nonperforming, Nonaccrual of Interest Impaired Financing Receivable, Unpaid Principal Balance [Abstract] Impaired Financing Receivable, Recorded Investment ImpairedLoans Financing Receivable, Allowance for Credit Losses, Write-downs Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment Loans and Leases Receivable, Other, Allowance LoansReceivableAbstract Financing Receivable, Individually Evaluated for Impairment Financing Receivable, Collectively Evaluated for Impairment Property, Plant and Equipment, Gross Time Deposits [Default Label] Effective Income Tax Rate Reconciliation, Tax Exempt Income, Amount Effective Income Tax Rate Reconciliation, Nondeductible Expense, Life Insurance, Amount Deferred Tax Assets, Valuation Allowance Deferred Tax Assets, Investments Deferred Tax Assets, Other Deferred Tax Assets, Gross Deferred Tax Liabilities, Gross Deferred Tax Assets, Net Due to Related Parties Operating Leases, Future Minimum Payments, Next Rolling Twelve Months Operating Leases, Future Minimum Payments, Due in Rolling Year Two Operating Leases, Future Minimum Payments, Due in Rolling Year Three Operating Leases, Future Minimum Payments, Due in Rolling Year Four Operating Leases, Future Minimum Payments Due Defined Benefit Plan, Funded Status of Plan Defined Benefit Plan, Net Periodic Benefit Cost Defined Benefit Plan, Expected Future Benefit Payments, Next Twelve Months Defined Benefit Plan, Expected Future Benefit Payments, Year Two Defined Benefit Plan, Expected Future Benefit Payments, Year Three Defined Benefit Plan, Expected Future Benefit Payments, Year Four Defined Benefit Plan, Expected Future Benefit Payments, Year Five Defined Benefit Plan, Expected Future Benefit Payments, Five Fiscal Years Thereafter Payments for Postemployment Benefits Other Assets, Fair Value Disclosure Mortgages Held-for-sale, Fair Value Disclosure Cash Surrender Value, Fair Value Disclosure Securities Loaned or Sold under Agreements to Repurchase, Fair Value Disclosure Federal Home Loan Bank Borrowings, Fair Value Disclosure Subordinated Debt Obligations, Fair Value Disclosure Revenues Operating Expenses Increase (Decrease) in Other Accrued Liabilities EX-101.PRE 17 pebk-20131231_pre.xml PEOPLES BANCORP OF NORTH CAROLINA, INC. TAXONOMY EXTENSION PRESENTATION LINKBASE XML 18 R39.htm IDEA: XBRL DOCUMENT v2.4.0.8
17. Peoples Bancorp of North Carolina, Inc. (Parent Company Only) Condensed Financial Statements (Tables)
 12 Months Ended
Dec. 31, 2013
Condensed Financial Information of Parent Company Only Disclosure [Abstract]  
Balance Sheets
Balance Sheets
       
December 31, 2013 and 2012
(Dollars in thousands)
       
Assets 2013   2012
       
Cash $ 12,879   324
Interest-bearing time deposit   -     800
Investment in subsidiaries   102,113   115,386
Investment securities available for sale   1,721   1,596
Other assets   273   260
         
Total assets $ 116,986   118,366
         
Liabilities and Shareholders' Equity        
         
Junior subordinated debentures $ 20,619   20,619
Liabilities   12,648   -  
Shareholders' equity   83,719   97,747
         
Total liabilities and shareholders' equity $ 116,986   118,366
Statements of Earnings
Statements of Earnings
             
For the Years Ended December 31, 2013, 2012 and 2011
(Dollars in thousands)
             
Revenues: 2013   2012   2011  
             
Interest and dividend income $ 13,576   113   226  
Impairment of securities   -     -     (144 )
               
Total revenues   13,576   113   82  
               
Expenses:              
               
Interest   398   438   407  
Other operating expenses   159   476   190  
               
Total expenses   557   914   597  
               
Income/(Loss) before income tax benefit and equity in              
undistributed earnings of subsidiaries   13,019   (801 ) (515 )
               
Income tax benefit   84   166   56  
               
Income/(Loss) before equity in undistributed              
earnings of subsidiaries   13,103   (635 ) (459 )
               
Equity in undistributed earnings of subsidiaries   (6,412 ) 6,428   5,618  
               
Net earnings $ 6,691   5,793   5,159  
Statements of Cash Flows
Statements of Cash Flows  
             
For the Years Ended December 31, 2013, 2012 and 2011
(Dollars in thousands)
             
  2013   2012   2011  
Cash flows from operating activities:            
             
Net earnings $ 6,691   5,793   5,159  
Adjustments to reconcile net earnings to net              
cash used by operating activities:              
Equity in undistributed earnings of subsidiaries   6,412   (6,428 ) (5,618 )
Impairment of investment securities   -     -     144  
Change in:              
Other assets   (73 ) -     112  
Accrued income   -     11   (11 )
Accrued expense   27   41   (216 )
Other liabilities   12,632   -     -    
               
Net cash provided (used by) operating activities   25,689   (583 ) (430 )
               
Cash flows from investing activities:              
               
Proceeds from maturities of investment securities available for sale   1   -     -    
Net change in interest-bearing time deposit   800   14,200   2,000  
               
Net cash provided by investing activities   801   14,200   2,000  
               
Cash flows from financing activities:              
               
Cash dividends paid on Series A preferred stock   (734 ) (1,023 ) (1,253 )
Cash dividends paid on common stock   (677 ) (1,003 ) (443 )
Preferred stock and warrant repurchase   (12,524 ) (12,122 ) -    
Restricted stock payout   -     -     17  
Proceeds from exercise of stock options   -     539   -    
               
Net cash used by financing activities   (13,935 ) (13,609 ) (1,679 )
               
Net change in cash   12,555   8   (109 )
               
Cash at beginning of year   324   316   425  
               
Cash at end of year $ 12,879   324   316  
               
Noncash investing and financing activities:              
Change in unrealized gain on investment securities              
 available for sale, net $ 77   (46 ) (3 )
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3. Loans, Allowance for Loan Losses (Details) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Allowance for loan losses      
Beginning balance $ 14,423 $ 16,604 $ 15,493
Charge-offs (4,372) (8,331) (12,260)
Recoveries 866 1,226 739
Provision 2,584 4,924 12,632
Ending balance 13,501 14,423 16,604
Ending balance: individually evaluated for impairments 1,478 1,362 2,539
Ending balance: collectively evaluated for impairments 12,023 13,061 14,065
Ending balance 13,501 14,423 16,604
Loans      
Ending balance 620,960 619,974 670,497
Ending balance: individually evaluated for impairment 33,666 40,785 44,786
Ending balance: collectively evaluated for impairment 587,294 579,189 625,711
Construction and land development
      
Allowance for loan losses      
Beginning balance 4,399 7,182 5,774
Charge-offs (777) (4,728) (7,164)
Recoveries 377 528 241
Provision (781) 1,417 8,331
Ending balance 3,218 4,399 7,182
Ending balance: individually evaluated for impairments 0 24 1,250
Ending balance: collectively evaluated for impairments 3,218 4,375 5,932
Ending balance 3,218 4,399 7,182
Loans      
Ending balance 63,742 73,176 93,812
Ending balance: individually evaluated for impairment 6,293 11,961 20,280
Ending balance: collectively evaluated for impairment 57,449 61,215 73,532
Single-family residential
      
Allowance for loan losses      
Beginning balance 3,231 3,253 3,992
Charge-offs (1,724) (886) (2,233)
Recoveries 111 72 184
Provision 1,505 792 1,310
Ending balance 3,123 3,231 3,253
Ending balance: individually evaluated for impairments 39 84 46
Ending balance: collectively evaluated for impairments 3,084 3,147 3,207
Ending balance 3,123 3,231 3,253
Loans      
Ending balance 195,975 195,003 212,993
Ending balance: individually evaluated for impairment 3,127 3,885 2,352
Ending balance: collectively evaluated for impairment 192,848 191,118 210,641
Single-family residential - Banco de la Gente stated income
      
Allowance for loan losses      
Beginning balance 1,998 2,104 2,105
Charge-offs (272) (668) (692)
Recoveries 141 0 17
Provision (4) 562 674
Ending balance 1,863 1,998 2,104
Ending balance: individually evaluated for impairments 1,268 1,254 1,243
Ending balance: collectively evaluated for impairments 595 744 861
Ending balance 1,863 1,998 2,104
Loans      
Ending balance 49,463 52,019 54,058
Ending balance: individually evaluated for impairment 19,958 20,024 18,309
Ending balance: collectively evaluated for impairment 29,505 31,995 35,749
Commercial Real Estate
      
Allowance for loan losses      
Beginning balance 2,049 1,731 1,409
Charge-offs (445) (937) (1,271)
Recoveries 50 374 24
Provision 565 881 1,569
Ending balance 2,219 2,049 1,731
Ending balance: individually evaluated for impairments 171 0 0
Ending balance: collectively evaluated for impairments 2,048 2,049 1,731
Ending balance 2,219 2,049 1,731
Loans      
Ending balance 209,287 200,633 214,415
Ending balance: individually evaluated for impairment 3,767 4,569 3,845
Ending balance: collectively evaluated for impairment 205,520 196,064 210,570
Multifamily and Farmland
      
Allowance for loan losses      
Beginning balance 28 13 17
Charge-offs 0 0 0
Recoveries 0 0 0
Provision 9 15 (4)
Ending balance 37 28 13
Ending balance: individually evaluated for impairments 0 0 0
Ending balance: collectively evaluated for impairments 37 28 13
Ending balance 37 28 13
Loans      
Ending balance 11,801 8,951 4,793
Ending balance: individually evaluated for impairment 0 0 0
Ending balance: collectively evaluated for impairment 11,801 8,951 4,793
Commercial loans (not secured by real estate)
      
Allowance for loan losses      
Beginning balance 1,088 1,029 1,174
Charge-offs (502) (555) (314)
Recoveries 44 104 121
Provision 439 510 48
Ending balance 1,069 1,088 1,029
Ending balance: individually evaluated for impairments 0 0 0
Ending balance: collectively evaluated for impairments 1,069 1,088 1,029
Ending balance 1,069 1,088 1,029
Loans      
Ending balance 68,047 64,295 60,646
Ending balance: individually evaluated for impairment 256 346 0
Ending balance: collectively evaluated for impairment 67,791 63,949 60,646
Farm loans (not secured by real estate)
      
Allowance for loan losses      
Beginning balance 0 0 0
Charge-offs 0 0 0
Recoveries 0 0 0
Provision 0 0 0
Ending balance 0 0 0
Ending balance: individually evaluated for impairments 0 0 0
Ending balance: collectively evaluated for impairments 0 0 0
Ending balance 0 0 0
Loans      
Ending balance 19 11 0
Ending balance: individually evaluated for impairment 0 0 0
Ending balance: collectively evaluated for impairment 19 11 0
Consumer And All Other Loans
      
Allowance for loan losses      
Beginning balance 245 255 430
Charge-offs (652) (557) (586)
Recoveries 143 148 152
Provision 509 399 259
Ending balance 245 245 255
Ending balance: individually evaluated for impairments 0 0 0
Ending balance: collectively evaluated for impairments 245 245 255
Ending balance 245 245 255
Loans      
Ending balance 22,626 25,886 29,780
Ending balance: individually evaluated for impairment 265 0 0
Ending balance: collectively evaluated for impairment 22,361 25,886 29,780
Unallocated
      
Allowance for loan losses      
Beginning balance 1,385 1,037 592
Charge-offs 0 0 0
Recoveries 0 0 0
Provision 342 348 445
Ending balance 1,727 1,385 1,037
Ending balance: individually evaluated for impairments 0 0 0
Ending balance: collectively evaluated for impairments 1,727 1,385 1,037
Ending balance 1,727 1,385 1,037
Loans      
Ending balance 0 0 0
Ending balance: individually evaluated for impairment 0 0 0
Ending balance: collectively evaluated for impairment $ 0 $ 0 $ 0
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2. Investment Securities (Details Narrative) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Investment Securities Details Narrative      
Unrealized losses in the investment securites portfolio relating to debt securities $ 5,900    
Other than temporary write downs 0 0 144
Remaining value of impaired investments     264
Proceeds from sales of investment securities available for sale 17,463 47,076 110,978
Gains on sales of available-to-sale securities 738 1,300 4,400
Loss on sales of available-to-sale securities 124 103 9
Securities pledged to secure public deposits $ 86,000 $ 73,900  
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10. Commitments and Contingencies (Details 1) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2013
Dec. 31, 2012
Commitments and contingencies      
Commitments to extend credit
    
Commitments and contingencies 146,243 133,919
Standby letters of credit and financial guarantees written
    
Commitments and contingencies $ 4,361 $ 3,297

XML 23 R55.htm IDEA: XBRL DOCUMENT v2.4.0.8
3. Loans, Credit Risk (Details) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Credit risk profile      
Total Loans $ 620,960 $ 619,974 $ 670,497
Excellent Quality
      
Credit risk profile      
Total Loans 16,678 26,584  
High Quality
      
Credit risk profile      
Total Loans 116,889 105,018  
Good Quality
      
Credit risk profile      
Total Loans 306,756 289,097  
Management Attention
      
Credit risk profile      
Total Loans 116,514 128,867  
Watch
      
Credit risk profile      
Total Loans 31,383 31,414  
Substandard
      
Credit risk profile      
Total Loans 32,735 38,989  
Low Substandard
      
Credit risk profile      
Total Loans 0 0  
Doubtful
      
Credit risk profile      
Total Loans 0 0  
Loss
      
Credit risk profile      
Total Loans 5 5  
Construction and land development
      
Credit risk profile      
Total Loans 63,742 73,176  
Single-family residential
      
Credit risk profile      
Total Loans 195,975 195,003  
Single-family residential - Banco de la Gente stated income
      
Credit risk profile      
Total Loans 49,463 52,019  
Commercial Real Estate
      
Credit risk profile      
Total Loans 209,287 200,633  
Multifamily and Farmland
      
Credit risk profile      
Total Loans 11,801 8,951  
Commercial loans (not secured by real estate)
      
Credit risk profile      
Total Loans 68,047 64,295  
Farm loans (not secured by real estate)
      
Credit risk profile      
Total Loans 19 11  
Consumer loans (not secured by real estate)
      
Credit risk profile      
Total Loans 9,593 10,148  
All other loans (not secured by real estate)
      
Credit risk profile      
Total Loans 13,033 15,738  
Construction and land development
      
Credit risk profile      
Total Loans 63,742 73,176 93,812
Construction and land development | Excellent Quality
      
Credit risk profile      
Total Loans 7 11  
Construction and land development | High Quality
      
Credit risk profile      
Total Loans 7,852 4,947  
Construction and land development | Good Quality
      
Credit risk profile      
Total Loans 22,899 24,952  
Construction and land development | Management Attention
      
Credit risk profile      
Total Loans 14,464 18,891  
Construction and land development | Watch
      
Credit risk profile      
Total Loans 8,163 9,580  
Construction and land development | Substandard
      
Credit risk profile      
Total Loans 10,357 14,795  
Construction and land development | Low Substandard
      
Credit risk profile      
Total Loans 0 0  
Construction and land development | Doubtful
      
Credit risk profile      
Total Loans 0 0  
Construction and land development | Loss
      
Credit risk profile      
Total Loans 0 0  
Single-family residential
      
Credit risk profile      
Total Loans 195,975 195,003 212,993
Single-family residential | Excellent Quality
      
Credit risk profile      
Total Loans 15,036 24,662  
Single-family residential | High Quality
      
Credit risk profile      
Total Loans 60,882 56,829  
Single-family residential | Good Quality
      
Credit risk profile      
Total Loans 73,118 62,018  
Single-family residential | Management Attention
      
Credit risk profile      
Total Loans 34,090 35,727  
Single-family residential | Watch
      
Credit risk profile      
Total Loans 6,806 9,504  
Single-family residential | Substandard
      
Credit risk profile      
Total Loans 6,043 6,263  
Single-family residential | Low Substandard
      
Credit risk profile      
Total Loans 0 0  
Single-family residential | Doubtful
      
Credit risk profile      
Total Loans 0 0  
Single-family residential | Loss
      
Credit risk profile      
Total Loans 0 0  
Single-family residential - Banco de la Gente stated income
      
Credit risk profile      
Total Loans 49,463 52,019 54,058
Single-family residential - Banco de la Gente stated income | Excellent Quality
      
Credit risk profile      
Total Loans 0 0  
Single-family residential - Banco de la Gente stated income | High Quality
      
Credit risk profile      
Total Loans 0 0  
Single-family residential - Banco de la Gente stated income | Good Quality
      
Credit risk profile      
Total Loans 22,255 24,724  
Single-family residential - Banco de la Gente stated income | Management Attention
      
Credit risk profile      
Total Loans 8,369 11,366  
Single-family residential - Banco de la Gente stated income | Watch
      
Credit risk profile      
Total Loans 8,113 3,597  
Single-family residential - Banco de la Gente stated income | Substandard
      
Credit risk profile      
Total Loans 10,726 12,332  
Single-family residential - Banco de la Gente stated income | Low Substandard
      
Credit risk profile      
Total Loans 0 0  
Single-family residential - Banco de la Gente stated income | Doubtful
      
Credit risk profile      
Total Loans 0 0  
Single-family residential - Banco de la Gente stated income | Loss
      
Credit risk profile      
Total Loans 0 0  
Commercial Real Estate
      
Credit risk profile      
Total Loans 209,287 200,633 214,415
Commercial Real Estate | Excellent Quality
      
Credit risk profile      
Total Loans 0 0  
Commercial Real Estate | High Quality
      
Credit risk profile      
Total Loans 33,340 27,511  
Commercial Real Estate | Good Quality
      
Credit risk profile      
Total Loans 123,604 114,001  
Commercial Real Estate | Management Attention
      
Credit risk profile      
Total Loans 42,914 47,603  
Commercial Real Estate | Watch
      
Credit risk profile      
Total Loans 5,190 6,911  
Commercial Real Estate | Substandard
      
Credit risk profile      
Total Loans 4,239 4,607  
Commercial Real Estate | Low Substandard
      
Credit risk profile      
Total Loans 0 0  
Commercial Real Estate | Doubtful
      
Credit risk profile      
Total Loans 0 0  
Commercial Real Estate | Loss
      
Credit risk profile      
Total Loans 0 0  
Multifamily and Farmland
      
Credit risk profile      
Total Loans 11,801 8,951 4,793
Multifamily and Farmland | Excellent Quality
      
Credit risk profile      
Total Loans 0 0  
Multifamily and Farmland | High Quality
      
Credit risk profile      
Total Loans 715 32  
Multifamily and Farmland | Good Quality
      
Credit risk profile      
Total Loans 7,882 4,975  
Multifamily and Farmland | Management Attention
      
Credit risk profile      
Total Loans 286 3,039  
Multifamily and Farmland | Watch
      
Credit risk profile      
Total Loans 2,741 712  
Multifamily and Farmland | Substandard
      
Credit risk profile      
Total Loans 177 193  
Multifamily and Farmland | Low Substandard
      
Credit risk profile      
Total Loans 0 0  
Multifamily and Farmland | Doubtful
      
Credit risk profile      
Total Loans 0 0  
Multifamily and Farmland | Loss
      
Credit risk profile      
Total Loans 0 0  
Commercial loans (not secured by real estate)
      
Credit risk profile      
Total Loans 68,047 64,295 60,646
Commercial loans (not secured by real estate) | Excellent Quality
      
Credit risk profile      
Total Loans 365 672  
Commercial loans (not secured by real estate) | High Quality
      
Credit risk profile      
Total Loans 8,442 9,260  
Commercial loans (not secured by real estate) | Good Quality
      
Credit risk profile      
Total Loans 44,353 40,814  
Commercial loans (not secured by real estate) | Management Attention
      
Credit risk profile      
Total Loans 13,704 11,844  
Commercial loans (not secured by real estate) | Watch
      
Credit risk profile      
Total Loans 320 976  
Commercial loans (not secured by real estate) | Substandard
      
Credit risk profile      
Total Loans 863 729  
Commercial loans (not secured by real estate) | Low Substandard
      
Credit risk profile      
Total Loans 0 0  
Commercial loans (not secured by real estate) | Doubtful
      
Credit risk profile      
Total Loans 0 0  
Commercial loans (not secured by real estate) | Loss
      
Credit risk profile      
Total Loans 0 0  
Farm loans (not secured by real estate)
      
Credit risk profile      
Total Loans 19 11 0
Farm loans (not secured by real estate) | Excellent Quality
      
Credit risk profile      
Total Loans 0 0  
Farm loans (not secured by real estate) | High Quality
      
Credit risk profile      
Total Loans 0 0  
Farm loans (not secured by real estate) | Good Quality
      
Credit risk profile      
Total Loans 19 11  
Farm loans (not secured by real estate) | Management Attention
      
Credit risk profile      
Total Loans 0 0  
Farm loans (not secured by real estate) | Watch
      
Credit risk profile      
Total Loans 0 0  
Farm loans (not secured by real estate) | Substandard
      
Credit risk profile      
Total Loans 0 0  
Farm loans (not secured by real estate) | Low Substandard
      
Credit risk profile      
Total Loans 0 0  
Farm loans (not secured by real estate) | Doubtful
      
Credit risk profile      
Total Loans 0 0  
Farm loans (not secured by real estate) | Loss
      
Credit risk profile      
Total Loans 0 0  
Consumer loans (not secured by real estate)
      
Credit risk profile      
Total Loans 9,593 10,148  
Consumer loans (not secured by real estate) | Excellent Quality
      
Credit risk profile      
Total Loans 1,270 1,239  
Consumer loans (not secured by real estate) | High Quality
      
Credit risk profile      
Total Loans 3,519 4,122  
Consumer loans (not secured by real estate) | Good Quality
      
Credit risk profile      
Total Loans 4,061 4,186  
Consumer loans (not secured by real estate) | Management Attention
      
Credit risk profile      
Total Loans 358 392  
Consumer loans (not secured by real estate) | Watch
      
Credit risk profile      
Total Loans 50 134  
Consumer loans (not secured by real estate) | Substandard
      
Credit risk profile      
Total Loans 330 70  
Consumer loans (not secured by real estate) | Low Substandard
      
Credit risk profile      
Total Loans 0 0  
Consumer loans (not secured by real estate) | Doubtful
      
Credit risk profile      
Total Loans 0 0  
Consumer loans (not secured by real estate) | Loss
      
Credit risk profile      
Total Loans 5 5  
All other loans (not secured by real estate)
      
Credit risk profile      
Total Loans 13,033 15,738  
All other loans (not secured by real estate) | Excellent Quality
      
Credit risk profile      
Total Loans 0 0  
All other loans (not secured by real estate) | High Quality
      
Credit risk profile      
Total Loans 2,139 2,317  
All other loans (not secured by real estate) | Good Quality
      
Credit risk profile      
Total Loans 8,565 13,416  
All other loans (not secured by real estate) | Management Attention
      
Credit risk profile      
Total Loans 2,329 5  
All other loans (not secured by real estate) | Watch
      
Credit risk profile      
Total Loans 0 0  
All other loans (not secured by real estate) | Substandard
      
Credit risk profile      
Total Loans 0 0  
All other loans (not secured by real estate) | Low Substandard
      
Credit risk profile      
Total Loans 0 0  
All other loans (not secured by real estate) | Doubtful
      
Credit risk profile      
Total Loans 0 0  
All other loans (not secured by real estate) | Loss
      
Credit risk profile      
Total Loans $ 0 $ 0  
XML 24 R78.htm IDEA: XBRL DOCUMENT v2.4.0.8
15. Other Operating Income and Expense (Details) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Other Operating Income And Expense Details      
Visa debit card income $ 2,990 $ 2,092 $ 1,783
Net appraisal management fee income 718 737 375
Insurance and brokerage commissions 661 517 471
Advertising 685 695 660
FDIC insurance 864 894 1,061
Visa debit card expense 823 729 658
Telephone 570 554 605
Foreclosure/OREO expense 356 677 904
Internet banking expense 568 593 509
FHLB advance prepayment penalty $ 530 $ 0 $ 0
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2. Investment securities, Fair Value Measurements (Details) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2013
Dec. 31, 2012
Estimated Fair Value $ 297,890 $ 297,823
Mortgage-backed securities
    
Estimated Fair Value 123,977 148,024
Level 1 valuation 0 0
Level 2 valuation 123,977 148,024
Level 3 valuation 0 0
U.S. Government sponsored enterprises
    
Estimated Fair Value 22,143 18,837
Level 1 valuation 0 0
Level 2 valuation 22,143 18,837
Level 3 valuation 0 0
State and political subdivisions
    
Estimated Fair Value 145,368 125,658
Level 1 valuation 0 0
Level 2 valuation 145,368 125,658
Level 3 valuation 0 0
Corporate bonds
    
Estimated Fair Value 3,463 2,586
Level 1 valuation 0 0
Level 2 valuation 3,463 2,586
Level 3 valuation 0 0
Trust preferred securities
    
Estimated Fair Value 1,250 1,250
Level 1 valuation 0 0
Level 2 valuation 0 0
Level 3 valuation 1,250 1,250
Equity securities
    
Estimated Fair Value 1,689 1,468
Level 1 valuation 1,689 1,468
Level 2 valuation 0 0
Level 3 valuation $ 0 $ 0
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9. Related Party Transactions (Tables)
 12 Months Ended
Dec. 31, 2013
Related Party Transactions [Abstract]  
Summary of activity for related party loans
(Dollars in thousands)    
     
Beginning balance $ 5,385  
New loans   3,409  
Repayments   (4,454 )
       
Ending balance $ 4,340  
XML 27 R79.htm IDEA: XBRL DOCUMENT v2.4.0.8
16. Fair Value of Financial Instruments (Details) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2013
Dec. 31, 2012
Assets:    
Investment securities available for sale $ 297,890 $ 297,823
Carrying Amount
    
Assets:    
Cash and cash equivalents 76,773 48,843
Investment securities available for sale 297,890 297,823
Other investments 4,990 5,599
Mortgage loans held for sale 497 6,922
Loans, net 607,459 605,551
Cash surrender value of life insurance 13,706 13,273
Liabilities:    
Deposits 799,361 781,525
Securities sold under agreements to repurchase 45,396 34,578
FHLB borrowings 65,000 70,000
Junior subordinated debentures 20,619 20,619
Level 1
    
Assets:    
Cash and cash equivalents 76,773 48,843
Investment securities available for sale 1,689 1,468
Other investments 0 0
Mortgage loans held for sale 0 0
Loans, net 0 0
Cash surrender value of life insurance 0 0
Liabilities:    
Deposits 0 0
Securities sold under agreements to repurchase 0 0
FHLB borrowings 0 0
Junior subordinated debentures 0 0
Level 2
    
Assets:    
Cash and cash equivalents 0 0
Investment securities available for sale 294,951 295,105
Other investments 0 0
Mortgage loans held for sale 0 0
Loans, net 0 0
Cash surrender value of life insurance 13,706 13,273
Liabilities:    
Deposits 798,460 780,662
Securities sold under agreements to repurchase 45,396 34,578
FHLB borrowings 65,891 76,375
Junior subordinated debentures 20,619 20,619
Level 3
    
Assets:    
Cash and cash equivalents 0 0
Investment securities available for sale 1,250 1,250
Other investments 4,990 5,599
Mortgage loans held for sale 497 6,922
Loans, net 612,132 599,996
Cash surrender value of life insurance 0 0
Liabilities:    
Deposits 0 0
Securities sold under agreements to repurchase 0 0
FHLB borrowings 0 0
Junior subordinated debentures 0 0
Estimated Fair Value
    
Assets:    
Cash and cash equivalents 76,773 48,843
Investment securities available for sale 297,890 297,823
Other investments 4,990 5,599
Mortgage loans held for sale 497 6,922
Loans, net 612,132 599,996
Cash surrender value of life insurance 13,706 13,273
Liabilities:    
Deposits 798,460 780,662
Securities sold under agreements to repurchase 45,396 34,578
FHLB borrowings 65,891 76,375
Junior subordinated debentures $ 20,619 $ 20,619
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12. Employee and Director Benefit Programs (Details 1) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Employee And Director Benefit Programs Details 1      
Benefit obligation $ 3,581 $ 3,382 $ 2,923
Fair value of plan assets 0 0  
Funded status (3,581) (3,382)  
Net amount recognized (3,581) (3,382)  
Unfunded accrued liability (3,581) (3,382)  
Net amount recognized in balance sheet $ (3,581) $ (3,382)  
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3. Loans, TDR Loan Modifications (Details) (USD $)
In Thousands, except Share data, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Construction and land development TDR loans
    
TDR Loans    
Number of Contracts 2  
Pre-Modification Outstanding Recorded Investment $ 841  
Post-Modification Outstanding Recorded Investment 824  
Single-family residential TDR
    
TDR Loans    
Number of Contracts   5
Pre-Modification Outstanding Recorded Investment   674
Post-Modification Outstanding Recorded Investment   673
Single-family residential- Banco de la Gente stated income
    
TDR Loans    
Number of Contracts 7 20
Pre-Modification Outstanding Recorded Investment 796 2,046
Post-Modification Outstanding Recorded Investment 788 1,992
Total real estate TDR loans
    
TDR Loans    
Number of Contracts 9 25
Pre-Modification Outstanding Recorded Investment 1,637 2,720
Post-Modification Outstanding Recorded Investment 1,612 2,665
Commercial loans TDR (not secured by real estate)
    
TDR Loans    
Number of Contracts   1
Pre-Modification Outstanding Recorded Investment   14
Post-Modification Outstanding Recorded Investment   13
Total TDR Loans
    
TDR Loans    
Number of Contracts 9 26
Pre-Modification Outstanding Recorded Investment 1,637 2,734
Post-Modification Outstanding Recorded Investment $ 1,612 $ 2,678
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12. Employee and Director Benefit Programs (Details Narrative) (USD $)
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Employee And Director Benefit Programs Details Narrative      
Defined Benefit Plan, Contributions by Employer $ 430,000 $ 345,000 $ 219,000
Expenses incurred for benefits relating to the postretirement benefit 395,000 546,000 355,000
Postretirement medical benefits expense, including amortization of the transition obligation 0 24,000 23,000
Benefits paid $ 142,000 $ 60,000  
XML 32 R77.htm IDEA: XBRL DOCUMENT v2.4.0.8
13. Regulatory Matters (Details) (USD $)
Dec. 31, 2013
Dec. 31, 2012
Total capital (to Risk-Weighted Assets) | Consolidated
    
Actual, amount $ 114,185 $ 121,246
Actual, ratio 16.14% 17.34%
For Capital Adequacy Purposes, amount 56,582 55,928
For Capital Adequacy Purposes, ratio 8.00% 8.00%
To Be Well Capitalized Under Prompt Corrective Action Provisions, amount      
To Be Well Capitalized Under Prompt Corrective Action Provisions, ratio      
Total capital (to Risk-Weighted Assets) | Bank
    
Actual, amount 110,935 117,453
Actual, ratio 15.73% 16.84%
For Capital Adequacy Purposes, amount 56,412 55,784
For Capital Adequacy Purposes, ratio 8.00% 8.00%
To Be Well Capitalized Under Prompt Corrective Action Provisions, amount 70,515 69,730
To Be Well Capitalized Under Prompt Corrective Action Provisions, ratio 10.00% 10.00%
Tier 1 Capital (to Risk- Weighted Assets) | Consolidated
    
Actual, amount 104,890 112,135
Actual, ratio 14.83% 16.04%
For Capital Adequacy Purposes, amount 28,291 27,964
For Capital Adequacy Purposes, ratio 4.00% 4.00%
To Be Well Capitalized Under Prompt Corrective Action Provisions, amount      
To Be Well Capitalized Under Prompt Corrective Action Provisions, ratio      
Tier 1 Capital (to Risk- Weighted Assets) | Bank
    
Actual, amount 101,733 108,379
Actual, ratio 14.43% 15.54%
For Capital Adequacy Purposes, amount 28,206 27,892
For Capital Adequacy Purposes, ratio 4.00% 4.00%
To Be Well Capitalized Under Prompt Corrective Action Provisions, amount 42,309 41,838
To Be Well Capitalized Under Prompt Corrective Action Provisions, ratio 6.00% 6.00%
Tier 1 Capital (Average Assets) | Consolidated
    
Actual, amount 104,890 112,135
Actual, ratio 10.08% 11.12%
For Capital Adequacy Purposes, amount 41,622 40,342
For Capital Adequacy Purposes, ratio 4.00% 4.00%
To Be Well Capitalized Under Prompt Corrective Action Provisions, amount      
To Be Well Capitalized Under Prompt Corrective Action Provisions, ratio      
Tier 1 Capital (Average Assets) | Bank
    
Actual, amount 101,733 108,379
Actual, ratio 9.79% 10.76%
For Capital Adequacy Purposes, amount 41,584 40,302
For Capital Adequacy Purposes, ratio 4.00% 4.00%
To Be Well Capitalized Under Prompt Corrective Action Provisions, amount $ 51,981 $ 50,377
To Be Well Capitalized Under Prompt Corrective Action Provisions, ratio 5.00% 5.00%
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10. Commitments and Contingencies (Details Narrative) (USD $)
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Commitments And Contingencies Details Narrative      
Rent expense $ 672,000 $ 643,000 $ 735,000
XML 34 R25.htm IDEA: XBRL DOCUMENT v2.4.0.8
1. Summary of Significant Accounting Policies (Policies)
 12 Months Ended
Dec. 31, 2013
Accounting Policies [Abstract]  
Organization

Peoples Bancorp of North Carolina, Inc. (“Bancorp”) received regulatory approval to operate as a bank holding company on July 22, 1999, and became effective August 31, 1999.  Bancorp is primarily regulated by the Board of Governors of the Federal Reserve System, and serves as the one-bank holding company for Peoples Bank (the “Bank”).

 

The Bank commenced business in 1912 upon receipt of its banking charter from the North Carolina State Banking Commission (the “SBC”). The Bank is primarily regulated by the SBC and the Federal Deposit Insurance Corporation (the “FDIC”) and undergoes periodic examinations by these regulatory agencies. The Bank, whose main office is in Newton, North Carolina, provides a full range of commercial and consumer banking services primarily in Catawba, Alexander, Lincoln, Mecklenburg, Iredell, Union and Wake counties in North Carolina.

 

Peoples Investment Services, Inc. is a wholly-owned subsidiary of the Bank and began operations in 1996 to provide investment and trust services through agreements with an outside party.

 

Real Estate Advisory Services, Inc. (“REAS”) is a wholly-owned subsidiary of the Bank and began operations in 1997 to provide real estate appraisal and property management services to individuals and commercial customers of the Bank.

 

Community Bank Real Estate Solutions, LLC is a wholly-owned subsidiary of Bancorp and began operations in 2009 as a “clearing house” for appraisal services for community banks.  Other banks are able to contract with Community Bank Real Estate Solutions, LLC to find and engage appropriate appraisal companies in the area where the property is located.
Principles of Consolidation

The consolidated financial statements include the financial statements of Bancorp and its wholly-owned subsidiaries, the Bank and Community Bank Real Estate Solutions, LLC, along with the Bank’s wholly-owned subsidiaries, Peoples Investment Services, Inc. and REAS (collectively called the “Company”).  All significant intercompany balances and transactions have been eliminated in consolidation.
Basis of Presentation

The accounting principles followed by the Company, and the methods of applying these principles, conform with accounting principles generally accepted in the United States of America (“GAAP”) and with general practices in the banking industry. In preparing the financial statements in conformity with GAAP, management is required to make estimates and assumptions that affect the reported amounts in the financial statements. Actual results could differ significantly from these estimates. Material estimates common to the banking industry that are particularly susceptible to significant change in the near term include, but are not limited to, the determination of the allowance for loan losses and valuation of real estate acquired in connection with or in lieu of foreclosure on loans.

 
Cash and Cash Equivalents

Cash, due from banks and interest-bearing deposits are considered cash and cash equivalents for cash flow reporting purposes.
Investment Securities

There are three classifications the Company is able to classify its investment securities: trading, available for sale, or held to maturity. Trading securities are bought and held principally for sale in the near term. Held to maturity securities are those securities for which the Company has the ability and intent to hold until maturity. All other securities not included in trading or held to maturity are classified as available for sale. At December 31, 2013 and 2012, the Company classified all of its investment securities as available for sale.

 

Available for sale securities are recorded at fair value. Unrealized holding gains and losses, net of the related tax effect, are excluded from earnings and are reported as a separate component of shareholders’ equity until realized.

 

Management evaluates investment securities for other-than-temporary impairment on an annual basis.  A decline in the market value of any investment below cost that is deemed other-than-temporary is charged to earnings for the decline in value deemed to be credit related and a new cost basis in the security is established.  The decline in value attributed to non-credit related factors is recognized in comprehensive income.

 

Premiums and discounts are amortized or accreted over the life of the related security as an adjustment to the yield.  Realized gains and losses for securities classified as available for sale are included in earnings and are derived using the specific identification method for determining the cost of securities sold.
Other Investments

Other investments include equity securities with no readily determinable fair value.  These investments are carried at cost.
Mortgage Loans Held for Sale

Mortgage loans held for sale are carried at lower of aggregate cost or market value.  The cost of mortgage loans held for sale approximates the market value.
Loans

Loans that management has the intent and ability to hold for the foreseeable future or until maturity are reported at the principal amount outstanding, net of the allowance for loan losses. Interest on loans is calculated by using the simple interest method on daily balances of the principal amount outstanding.   The recognition of certain loan origination fee income and certain loan origination costs is deferred when such loans are originated and amortized over the life of the loan.

 

A loan is impaired when, based on current information and events, it is probable that all amounts due according to the contractual terms of the loan will not be collected.  Impaired loans are measured based on the present value of expected future cash flows, discounted at the loan’s effective interest rate, or at the loan’s observable market price, or the fair value of the collateral if the loan is collateral dependent.

 

Accrual of interest is discontinued on a loan when management believes, after considering economic conditions and collection efforts, that the borrower’s financial condition is such that collection of interest is doubtful. Interest previously accrued but not collected is reversed against current period earnings.
Allowance for Loan Losses

The allowance for loan losses reflects management’s assessment and estimate of the risks associated with extending credit and its evaluation of the quality of the loan portfolio.  The Bank periodically analyzes the loan portfolio in an effort to review asset quality and to establish an allowance for loan losses that management believes will be adequate in light of anticipated risks and loan losses.  In assessing the adequacy of the allowance, size, quality and risk of loans in the portfolio are reviewed. Other factors considered are:

 

·   the Bank’s loan loss experience;

 

·   the amount of past due and non-performing loans;

 

·   specific known risks;

 

·   the status and amount of other past due and non-performing assets;

 

·   underlying estimated values of collateral securing loans;

 

·   current and anticipated economic conditions; and

 

·   other factors which management believes affect the allowance for potential credit losses.

 

The allowance for loan losses is comprised of three components: specific reserves, general reserves and unallocated reserves.  After a loan has been identified as impaired, management measures impairment.  When the measure of the impaired loan is less than the recorded investment in the loan, the amount of the impairment is recorded as a specific reserve. These specific reserves are determined on an individual loan basis based on management’s current evaluation of the Bank’s loss exposure for each credit, given the appraised value of any underlying collateral or the present value of projected cash flows for non-collateral dependent loans.  Loans for which specific reserves are provided are excluded from the general allowance calculations as described below.

 

The general allowance reflects reserves established under GAAP for collective loan impairment.  These reserves are based upon historical net charge-offs using the greater of the loss experience for the last two, three, four or five year periods.  This charge-off experience may be adjusted to reflect the effects of current conditions.  The Bank considers information derived from its loan risk ratings and external data related to industry and general economic trends in establishing reserves.

 

The unallocated allowance is determined through management’s assessment of probable losses that are in the portfolio but are not adequately captured by the other two components of the allowance, including consideration of current economic and business conditions and regulatory requirements. The unallocated allowance also reflects management’s acknowledgement of the imprecision and subjectivity that underlie the modeling of credit risk.  Due to the subjectivity involved in determining the overall allowance, including the unallocated portion, this unallocated portion may fluctuate from period to period based on management’s evaluation of the factors affecting the assumptions used in calculating the allowance.

 

Management considers the allowance for loan losses adequate to cover the estimated losses inherent in the Bank’s loan portfolio as of the date of the financial statements. Management believes it has established the allowance in accordance with GAAP and in consideration of the current economic environment. Although management uses the best information available to make evaluations, significant future additions to the allowance may be necessary based on changes in economic and other conditions, thus adversely affecting the operating results of the Company.

 

There were no significant changes in the estimation methods or fundamental assumptions used in the evaluation of the allowance for loan losses for the year ended December 31, 2013 as compared to the year ended December 31, 2012.   Revisions, estimates and assumptions may be made in any period in which the supporting factors indicate that loss levels may vary from the previous estimates.

 

Effective December 31, 2012, stated income mortgage loans from the Banco de la Gente division of the Bank were analyzed separately from other single family residential loans in the Bank’s loan portfolio.  These loans are first mortgage loans made to the Latino market, primarily in Mecklenburg and surrounding counties.  These loans are non-traditional mortgages in that the customer normally did not have a credit history, so all credit information was accumulated by the loan officers.  These loans were made as stated income loans rather than full documentation loans because the customer may not have had complete documentation on the income supporting the loan.

 

Various regulatory agencies, as an integral part of their examination process, periodically review the Bank’s allowance for loan losses. Such agencies may require adjustments to the allowance based on their judgments of information available to them at the time of their examinations.  Also, an independent loan review process further assists with evaluating credit quality and assessing potential performance issues.
Mortgage Banking Activities

Mortgage banking income represents net gains from the sale of mortgage loans and fees received from borrowers and loan investors related to the Bank’s origination of single-family residential mortgage loans.

 

Mortgage loans serviced for others are not included in the accompanying balance sheets. The unpaid principal balances of mortgage loans serviced for others was approximately $2.4 million, $3.1 million and $4.0 million at December 31, 2013, 2012 and 2011, respectively.

 

The Bank originates certain fixed rate mortgage loans and commits these loans for sale.  The commitments to originate fixed rate mortgage loans and the commitments to sell these loans to a third party are both derivative contracts.  The fair value of these derivative contracts is immaterial and has no effect on the recorded amounts in the financial statements.
Premises and Equipment

Premises and equipment are stated at cost less accumulated depreciation. Depreciation is computed primarily using the straight-line method over the estimated useful lives of the assets. When assets are retired or otherwise disposed, the cost and related accumulated depreciation are removed from the accounts, and any gain or loss is reflected in earnings for the period. The cost of maintenance and repairs that do not improve or extend the useful life of the respective asset is charged to earnings as incurred, whereas significant renewals and improvements are capitalized. The range of estimated useful lives for premises and equipment are generally as follows:

 

Buildings and improvements    10 - 50 years
Furniture and equipment    3 - 10 years
Other Real Estate

Foreclosed assets include all assets received in full or partial satisfaction of a loan.  Foreclosed assets are reported at fair value less estimated selling costs.  Any write-downs at the time of foreclosure are charged to the allowance for loan losses.  Subsequent to foreclosure, valuations are periodically performed by management, and a valuation allowance is established if fair value declines below carrying value.  Costs relating to the development and improvement of the property are capitalized.  Revenues and expenses from operations are included in other expenses.  Changes in the valuation allowance are included in loss on sale and write-down of other real estate.  The balance of other real estate was $1.7 million and $6.3 million at December 31, 2013 and 2012, respectively.
Income Taxes

Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Additionally, the recognition of future tax benefits, such as net operating loss carryforwards, is required to the extent that the realization of such benefits is more likely than not to occur. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which the assets and liabilities are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income tax expense in the period that includes the enactment date.

 

In the event the future tax consequences of differences between the financial reporting bases and the tax bases of the Company’s assets and liabilities results in a deferred tax asset, an evaluation of the probability of being able to realize the future benefits indicated by such asset is required. A valuation allowance is provided for the portion of the deferred tax asset when it is more likely than not that some portion or all of the deferred tax asset will not be realized. In assessing the realizability of a deferred tax asset, management considers the scheduled reversals of deferred tax liabilities, projected future taxable income, and tax planning strategies.

 

Tax effects from an uncertain tax position can be recognized in the financial statements only when it is more likely than not that the tax position will be sustained upon examination by the appropriate taxing authority that would have full knowledge of all relevant information.  A tax position that meets the more likely than not recognition threshold is measured at the largest amount of benefit that is greater than fifty percent likely of being realized upon ultimate settlement.  Previously recognized tax positions that no longer meet the more likely than not recognition threshold should be derecognized in the first subsequent financial reporting period in which that threshold is no longer met.  The Company assessed the impact of this guidance and determined that it did not have a material impact on the Company’s financial position, results of operations or disclosures.
Derivative Financial Instruments and Hedging Activities

In the normal course of business, the Company enters into derivative contracts to manage interest rate risk by modifying the characteristics of the related balance sheet instruments in order to reduce the adverse effect of changes in interest rates. All material derivative financial instruments are recorded at fair value in the financial statements.  The fair value of derivative contracts related to the origination of fixed rate mortgage loans and the commitments to sell these loans to a third party is immaterial and has no effect on the recorded amounts in the financial statements.

 

The disclosure requirements for derivatives and hedging activities have the intent to provide users of financial statements with an enhanced understanding of: (a) how and why an entity uses derivative instruments, (b) how derivative instruments and related hedged items are accounted for and (c) how derivative instruments and related hedged items affect an entity’s financial position, financial performance, and cash flows.  The disclosure requirements include qualitative disclosures about objectives and strategies for using derivatives, quantitative disclosures about the fair value of and gains and losses on derivative instruments, and disclosures about credit-risk-related contingent features in derivative instruments.

 

On the date a derivative contract is entered into, the Company designates the derivative as a fair value hedge, a cash flow hedge, or a trading instrument. Changes in the fair value of instruments used as fair value hedges are accounted for in the earnings of the period simultaneous with accounting for the fair value change of the item being hedged. Changes in the fair value of the effective portion of cash flow hedges are accounted for in other comprehensive income rather than earnings. Changes in fair value of instruments that are not intended as a hedge are accounted for in the earnings of the period of the change.

 

If a derivative instrument designated as a fair value hedge is terminated or the hedge designation removed, the difference between a hedged item’s then carrying amount and its face amount is recognized into income over the original hedge period. Likewise, if a derivative instrument designated as a cash flow hedge is terminated or the hedge designation removed, related amounts accumulated in other accumulated comprehensive income are reclassified into earnings over the original hedge period during which the hedged item affects income.

 

The accounting for changes in the fair value of derivatives depends on the intended use of the derivative, whether the Company has elected to designate a derivative in a hedging relationship and apply hedge accounting and whether the hedging relationship has satisfied the criteria necessary to apply hedge accounting. Derivatives designated and qualifying as a hedge of the exposure to changes in the fair value of an asset, liability, or firm commitment attributable to a particular risk, such as interest rate risk, are considered fair value hedges. Derivatives designated and qualifying as a hedge of the exposure to variability in expected future cash flows, or other types of forecasted transactions, are considered cash flow hedges. Hedge accounting generally provides for the matching of the timing of gain or loss recognition on the hedging instrument with the recognition of the changes in the fair value of the hedged asset or liability that are attributable to the hedged risk in a fair value hedge or the earnings effect of the hedged forecasted transactions in a cash flow hedge.  The Company may enter into derivative contracts that are intended to economically hedge certain of its risks, even though hedge accounting does not apply or the Company elects not to apply hedge accounting.

 

The Company formally documents all hedging relationships, including an assessment that the derivative instruments are expected to be highly effective in offsetting the changes in fair values or cash flows of the hedged items.
Advertising Costs

Advertising costs are expensed as incurred.
Stock-Based Compensation

The Company has an Omnibus Stock Ownership and Long Term Incentive Plan (the “1999 Plan”) whereby certain stock-based rights, such as stock options, restricted stock and restricted stock units were granted to eligible directors and employees.  The 1999 Plan expired on May 13, 2009 but still governs the rights and obligations of the parties for grants made thereunder.

 

Under the 1999 Plan, the Company granted incentive stock options to certain eligible employees in order that they may purchase Company stock at a price equal to the fair market value on the date of the grant.  The options granted in 1999 vested over a five-year period.  Options granted subsequent to 1999 vested over a three-year period.  All options expire ten years after issuance.   A summary of the stock option activity in the 1999 Plan is presented below:

 

Stock Option Activity
For the Years Ended December 31, 2013, 2012 and 2011
                 
  Shares  

Weighted

Average Option

Price Per Share

  

Weighted Average Remaining

Contractual Term (in

years)

    

Aggregate

Intrinsic

Value

(Dollars in

thousands)

Outstanding, December 31, 2010 150,071   $ 8.32          
                   
Granted during the period -     $ -            
Expired during the period (71,054 ) $ 8.71          
Forfeited during the period -     $ -            
Exercised during the period -     $ -            
                   
Outstanding, December 31, 2011 79,017   $ 7.97          
                   
Granted during the period -   $ -            
Expired during the period -   $ -            
Forfeited during the period (6,052 ) $ 8.89          
Exercised during the period (69,335 ) $ 7.77          
                   
Outstanding, December 31, 2012 3,630   $ 10.31          
                   
Granted during the period -     $ -            
Expired during the period -     $ -            
Forfeited during the period -     $ -            
Exercised during the period -     $ -            
                   
Outstanding, December 31, 2013 3,630   $ 10.31                               0.35   $         14.05
                   
Exercisable, December 31, 2013 3,630   $ 10.31                               0.35   $       14.05

 

Options outstanding at December 31, 2013 are exercisable at $10.31.  Such options have a weighted average remaining contractual life of less than one year.  No options were granted during the years ended December 31, 2013, 2012 and 2011.  No options were exercised during the years ended December 31, 2013 and 2011.  69,335 options were exercised during the year ended December 31, 2012.

 

In addition, under the 1999 Plan, the Company granted 3,000 restricted stock units in 2007 at a grant date fair value of $17.40 per share. The Company granted 1,750 restricted stock units at a grant date fair value of $12.80 per share during the third quarter of 2008 and 2,000 restricted stock units at a grant date fair value of $11.37 per share during the fourth quarter of 2008. The Company recognizes compensation expense on the restricted stock units over the period of time the restrictions are in place (three years from the grant date for the grants of restricted stock units to date under the 1999 Plan).  The amount of expense recorded each period reflects the changes in the Company’s stock price during the period.  As of December 31, 2013, there was no unrecognized compensation expense related to the 2007 and 2008 restricted stock unit grants granted under the 1999 Plan.

 

The Company also has an Omnibus Stock Ownership and Long Term Incentive Plan that was approved by shareholders on May 7, 2009 (the “2009 Plan”) whereby certain stock-based rights, such as stock options, restricted stock, restricted stock units, performance units, stock appreciation rights or book value shares, may be granted to eligible directors and employees.  A total of 303,691 shares are currently reserved for possible issuance under the 2009 Plan.   All rights must be granted or awarded within ten years from the May 7, 2009 effective date of the 2009 Plan.

 

The Company granted 29,514 restricted stock units under the 2009 Plan at a grant date fair value of $7.90 per share during the first quarter of 2012.  5,355 restricted stock units were forfeited by the executive officers of the Company as required by the agreement with the U.S. Department of the Treasury (“UST”) in conjunction with the Company’s participation in the Capital Purchase Program (“CPP”) under the Troubled Asset Relief Program (“TARP”).  In July 2012, the Company granted 5,355 restricted stock units at a grant date fair value of $8.25 per share. The Company granted 26,795 restricted stock units under the 2009 Plan at a grant date fair value of $11.90 per share during the second quarter of 2013.  The Company recognizes compensation expense on the restricted stock units over the period of time the restrictions are in place (five years from the grant date for the 2012 grants and four years from the grant date for the 2013 grants).  The amount of expense recorded each period reflects the changes in the Company’s stock price during the period.  As of December 31, 2013, the total unrecognized compensation expense related to the restricted stock unit grants under the 2009 Plan was $584,000.

 

The Company recognized compensation expense for restricted stock awards granted under the 2009 Plan of $173,000 and $42,000 for the years ended December 31, 2013 and 2012, respectively.  The Company recognized compensation expense for restricted stock awards granted under the 1999 Plan of $7,000 for the year ended December 31, 2011.
Net Earnings Per Share

Net earnings per common share is based on the weighted average number of common shares outstanding during the period while the effects of potential common shares outstanding during the period are included in diluted earnings per common share. The average market price during the year is used to compute equivalent shares.

 

The reconciliations of the amounts used in the computation of both “basic earnings per common share” and “diluted earnings per common share” for the years ended December 31, 2013, 2012 and 2011 are as follows:

 

For the year ended December 31, 2013: Net Earnings Available to Common Shareholders (Dollars in thousands)  

Common

Shares

   Per Share Amount
Basic earnings per common share $ 6,035   5,613,495   $ 1.08
Effect of dilutive securities:              
Stock options   -     9,725      
Diluted earnings per common share $ 6,035   5,623,220   $ 1.07

 

For the year ended December 31, 2012: Net Earnings Available to Common Shareholders (Dollars in thousands)  

Common

Shares

Per Share

Amount

Basic earnings per common share $ 4,783   5,559,401   $ 0.86
Effect of dilutive securities:              
Stock options   -     3,206      
Diluted earnings per common share $ 4,783   5,562,607   $ 0.86
               
For the year ended December 31, 2011: Net Earnings Available to Common Shareholders (Dollars in thousands)  

Common

Shares

Per Share

Amount

Basic earnings per common share $ 3,766   5,542,548   $ 0.68
Effect of dilutive securities:              
Stock options   -     1,301      
Diluted earnings per common share $ 3,766   5,543,849   $ 0.68
Recent Accounting Pronouncements

In January 2014, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) No. 2014-04, (Subtopic 310-40): Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure.  ASU No. 2014-04 provides additional guidance to clarify when an in substance repossession or foreclosure occurs, that is, when a creditor should be considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan such that the loan should be derecognized and the real estate property recognized.  ASU No. 2014-04 is effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2014.  The adoption of this guidance is not expected to have a material impact on the Company’s results of operations, financial position or disclosures.

 

Other accounting standards that have been issued or proposed by FASB or other standards-setting bodies are not expected to have a material impact on the Company’s results of operations, financial position or disclosures.
Reclassification

Certain amounts in the 2011 and 2012 consolidated financial statements have been reclassified to conform to the 2013 presentation.
XML 35 R50.htm IDEA: XBRL DOCUMENT v2.4.0.8
3. Loans, Past Due (Details) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Past due loans      
Loans 30-89 Days Past Due $ 20,192 $ 19,538  
Loans 90 or More Days Past Due 9,451 13,311  
Total Past Due Loans 29,643 32,849  
Total Current Loans 591,317 587,125  
Total loans 620,960 619,974 670,497
Accruing Loans 90 or More Days Past Due 882 2,403  
Construction and land development
      
Past due loans      
Loans 30-89 Days Past Due 3,416 1,280  
Loans 90 or More Days Past Due 5,426 6,858  
Total Past Due Loans 8,842 8,138  
Total Current Loans 54,900 65,038  
Total loans 63,742 73,176  
Accruing Loans 90 or More Days Past Due 0 0  
Single-family residential
      
Past due loans      
Loans 30-89 Days Past Due 4,518 4,316  
Loans 90 or More Days Past Due 1,555 1,548  
Total Past Due Loans 6,073 5,864  
Total Current Loans 189,902 189,139  
Total loans 195,975 195,003  
Accruing Loans 90 or More Days Past Due 0 0  
Single-family residential - Banco de la Gente stated income
      
Past due loans      
Loans 30-89 Days Past Due 9,833 11,077  
Loans 90 or More Days Past Due 1,952 3,659  
Total Past Due Loans 11,785 14,736  
Total Current Loans 37,678 37,283  
Total loans 49,463 52,019  
Accruing Loans 90 or More Days Past Due 881 2,378  
Commercial Real Estate
      
Past due loans      
Loans 30-89 Days Past Due 1,643 1,720  
Loans 90 or More Days Past Due 486 1,170  
Total Past Due Loans 2,129 2,890  
Total Current Loans 207,158 197,743  
Total loans 209,287 200,633  
Accruing Loans 90 or More Days Past Due 0 0  
Multifamily and Farmland
      
Past due loans      
Loans 30-89 Days Past Due 177 7  
Loans 90 or More Days Past Due 0 0  
Total Past Due Loans 177 7  
Total Current Loans 11,624 8,944  
Total loans 11,801 8,951  
Accruing Loans 90 or More Days Past Due 0 0  
Total real estate loans
      
Past due loans      
Loans 30-89 Days Past Due 19,587 18,400  
Loans 90 or More Days Past Due 9,419 13,235  
Total Past Due Loans 29,006 31,635  
Total Current Loans 501,262 498,147  
Total loans 530,268 529,782  
Accruing Loans 90 or More Days Past Due 881 2,378  
Commercial loans (not secured by real estate)
      
Past due loans      
Loans 30-89 Days Past Due 424 888  
Loans 90 or More Days Past Due 29 66  
Total Past Due Loans 453 954  
Total Current Loans 67,594 63,341  
Total loans 68,047 64,295  
Accruing Loans 90 or More Days Past Due 0 23  
Farm loans (not secured by real estate)
      
Past due loans      
Loans 30-89 Days Past Due 0 0  
Loans 90 or More Days Past Due 0 0  
Total Past Due Loans 0 0  
Total Current Loans 19 11  
Total loans 19 11  
Accruing Loans 90 or More Days Past Due 0 0  
Consumer loans (not secured by real estate)
      
Past due loans      
Loans 30-89 Days Past Due 181 250  
Loans 90 or More Days Past Due 3 10  
Total Past Due Loans 184 260  
Total Current Loans 9,409 9,888  
Total loans 9,593 10,148  
Accruing Loans 90 or More Days Past Due 1 2  
All other loans (not secured by real estate)
      
Past due loans      
Loans 30-89 Days Past Due 0 0  
Loans 90 or More Days Past Due 0 0  
Total Past Due Loans 0 0  
Total Current Loans 13,033 15,738  
Total loans 13,033 15,738  
Accruing Loans 90 or More Days Past Due $ 0 $ 0  
XML 36 R42.htm IDEA: XBRL DOCUMENT v2.4.0.8
1. Summary of Significant Accounting Policies (Details Narrative) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Summary Of Significant Accounting Policies Details Narrative      
Unpaid principal balances of mortgage loans serviced for others $ 2,400 $ 3,100 $ 4,000
Balance of other real estate 1,679 6,254  
Compensation expense for restricted stock awards 173 42 7
Unrecognized compensation expense $ 584    
XML 37 R75.htm IDEA: XBRL DOCUMENT v2.4.0.8
12. Employee and Director Benefit Programs (Details 3) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2013
Employee And Director Benefit Programs Details 3  
2014 $ 205
2015 234
2016 233
2017 262
2018 275
Thereafter $ 8,648
XML 38 R37.htm IDEA: XBRL DOCUMENT v2.4.0.8
15. Other Operating Income and Expense (Tables)
 12 Months Ended
Dec. 31, 2013
Other Income and Expenses [Abstract]  
Other operating income and expense
(Dollars in thousands)          
  2013   2012   2011
Visa debit card income $ 2,990   2,092   1,783
Net appraisal management fee income $ 718   737   375
Insurance and brokerage commissions $ 661   517   471

 

Other operating expense for the years ended December 31, 2013, 2012 and 2011 included the following items that exceeded one percent of total revenues at some point during the following three-year period:

 

(Dollars in thousands)          
  2013   2012   2011
Advertising $ 685   695   660
FDIC insurance $ 864   894   1,061
Visa debit card expense $ 823   729   658
Telephone $ 570   554   605
Foreclosure/OREO expense $ 356   677   904
Internet banking expense $ 568   593   509
FHLB advance prepayment penalty $ 530   -     -   
XML 39 R52.htm IDEA: XBRL DOCUMENT v2.4.0.8
3. Loans, Impaired (Details) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Impaired loans    
Unpaid Contractual Principal Balance $ 46,305 $ 55,717
Recorded Investment With No Allowance 11,287 17,477
Recorded Investment With Allowance 30,168 30,797
Recorded Investment in Impaired Loans 41,455 48,274
Related Allowance 1,675 1,536
Average Outstanding Impaired Loans 42,818 48,357
Construction and land development
    
Impaired loans    
Unpaid Contractual Principal Balance 9,861 17,738
Recorded Investment With No Allowance 6,293 11,795
Recorded Investment With Allowance 868 680
Recorded Investment in Impaired Loans 7,161 12,475
Related Allowance 53 61
Average Outstanding Impaired Loans 8,289 12,810
Single-family residential
    
Impaired loans    
Unpaid Contractual Principal Balance 7,853 9,099
Recorded Investment With No Allowance 1,428 766
Recorded Investment With Allowance 5,633 7,799
Recorded Investment in Impaired Loans 7,061 8,565
Related Allowance 123 177
Average Outstanding Impaired Loans 7,859 7,590
Single-family residential - Banco de la Gente stated income
    
Impaired loans    
Unpaid Contractual Principal Balance 22,034 21,806
Recorded Investment With No Allowance 0 0
Recorded Investment With Allowance 21,242 21,000
Recorded Investment in Impaired Loans 21,242 21,000
Related Allowance 1,300 1,278
Average Outstanding Impaired Loans 21,242 21,158
Commercial Real Estate
    
Impaired loans    
Unpaid Contractual Principal Balance 5,079 5,830
Recorded Investment With No Allowance 3,045 4,569
Recorded Investment With Allowance 1,489 467
Recorded Investment in Impaired Loans 4,534 5,036
Related Allowance 182 6
Average Outstanding Impaired Loans 4,171 5,433
Multifamily and Farmland
    
Impaired loans    
Unpaid Contractual Principal Balance 177 193
Recorded Investment With No Allowance 0 0
Recorded Investment With Allowance 177 193
Recorded Investment in Impaired Loans 177 193
Related Allowance 1 1
Average Outstanding Impaired Loans 184 200
Total real estate loans
    
Impaired loans    
Unpaid Contractual Principal Balance 45,004 54,666
Recorded Investment With No Allowance 10,766 17,130
Recorded Investment With Allowance 29,409 30,139
Recorded Investment in Impaired Loans 40,175 47,269
Related Allowance 1,659 1,523
Average Outstanding Impaired Loans 41,745 47,191
Commercial loans (not secured by real estate)
    
Impaired loans    
Unpaid Contractual Principal Balance 999 983
Recorded Investment With No Allowance 257 347
Recorded Investment With Allowance 724 592
Recorded Investment in Impaired Loans 981 939
Related Allowance 15 12
Average Outstanding Impaired Loans 826 1,125
Consumer loans (not secured by real estate)
    
Impaired loans    
Unpaid Contractual Principal Balance 302 68
Recorded Investment With No Allowance 264 0
Recorded Investment With Allowance 35 66
Recorded Investment in Impaired Loans 299 66
Related Allowance 1 1
Average Outstanding Impaired Loans $ 247 $ 41
XML 40 R67.htm IDEA: XBRL DOCUMENT v2.4.0.8
9. Related Party Transactions (Details) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Related Party Transactions Details  
Beginning balance $ 5,385
New loans 3,409
Repayments (4,454)
Ending balance $ 4,340
XML 41 R61.htm IDEA: XBRL DOCUMENT v2.4.0.8
5. Time Deposits (Details) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2013
Time Deposits Details  
2014 $ 127,036
2015 48,913
2016 22,318
2017 10,155
2018 and thereafter 8,781
Total $ 217,203
XML 42 R47.htm IDEA: XBRL DOCUMENT v2.4.0.8
2. Investment securities, Fair Value Level 3 Valuation (Details) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Investment Securities Available for Sale Level 3 Valuation  
Balance, beginning of period $ 1,250
Change in book value 0
Change in gain/(loss) realized and unrealized 0
Purchases/(sales) 0
Transfers in and/or (out) of Level 3 0
Balance, end of period 1,250
Change in unrealized gain/(loss) for assets still held in Level 3 $ 0
XML 43 R9.htm IDEA: XBRL DOCUMENT v2.4.0.8
2. Investment Securities
 12 Months Ended
Dec. 31, 2013
Investments, Debt and Equity Securities [Abstract]  
Investment Securities

 

Investment securities available for sale at December 31, 2013 and 2012 are as follows:

 

(Dollars in thousands)              
  December 31, 2013
 

Amortized

Cost

  

Gross

Unrealized

Gains

  

Gross

Unrealized

Losses

   Estimated Fair Value
Mortgage-backed securities $ 123,706   1,040   769   123,977
U.S. Government                
sponsored enterprises   22,115   97   69   22,143
State and political subdivisions   148,468   1,987   5,087   145,368
Corporate bonds   3,522   11   70   3,463
Trust preferred securities   1,250   -     -     1,250
Equity securities   748   941   -     1,689
Total $ 299,809   4,076   5,995   297,890

 

(Dollars in thousands)              
  December 31, 2012
 

Amortized

Cost

  

Gross

Unrealized

Gains

  

Gross

Unrealized

Losses

   Estimated Fair Value
Mortgage-backed securities $ 146,755   1,875   606   148,024
U.S. Government                
sponsored enterprises   18,714   203   80   18,837
State and political subdivisions   118,591   7,171   104   125,658
Corporate bonds   2,571   19   4   2,586
Trust preferred securities   1,250   -     -     1,250
Equity securities   748   720   -     1,468
Total $ 288,629   9,988   794   297,823

 

The current fair value and associated unrealized losses on investments in debt securities with unrealized losses at December 31, 2013 and 2012 are summarized in the tables below, with the length of time the individual securities have been in a continuous loss position.

 

(Dollars in thousands)            
  December 31, 2013
  Less than 12 Months   12 Months or More   Total
  Fair Value  

Unrealized

Losses

   Fair Value  

Unrealized

Losses

   Fair Value  

Unrealized

Losses

Mortgage-backed securities $ 40,857   691   10,128   78   50,985   769
U.S. Government                        
sponsored enterprises   9,714   69   -     -     9,714   69
State and political subdivisions   77,187   4,863   1,824   224   79,011   5,087
Corporate bonds   1,984   16   511   54   2,495   70
Total $ 129,742   5,639   12,463   356   142,205   5,995
                         
(Dollars in thousands)                        
  December 31, 2012
  Less than 12 Months   12 Months or More   Total
  Fair Value  

Unrealized

Losses

   Fair Value  

Unrealized

Losses

   Fair Value  

Unrealized

Losses

Mortgage-backed securities $ 48,126   468   12,913   138   61,039   606
U.S. Government                        
sponsored enterprises   3,402   80   -     -     3,402   80
State and political subdivisions   9,490   104   -     -     9,490   104
Corporate bonds   1,035   4   -     -     1,035   4
Total $ 62,053   656   12,913   138   74,966   794

 

At December 31, 2013, unrealized losses in the investment securities portfolio relating to debt securities totaled $5.9 million.  The unrealized losses on these debt securities arose due to changing interest rates and are considered to be temporary.  From the December 31, 2013 tables above, 80 out of 179 securities issued by state and political subdivisions contained unrealized losses, 28 out of 95 securities issued by U.S. Government sponsored enterprises, including mortgage-backed securities, contained unrealized losses, and three out of five securities issued by corporations contained unrealized losses.  These unrealized losses are considered temporary because of acceptable financial condition and results of operations on each security and the repayment sources of principal and interest on U.S. Government sponsored enterprises, including mortgage-backed securities, are government backed.

 

The Company periodically evaluates its investments for any impairment which would be deemed other-than-temporary.   No investment impairments were deemed other-than-temporary in 2013 or 2012.  As part of its evaluation in 2011, the Company determined that the fair value of one equity security was less than the original cost of the investment and that the decline in fair value was not temporary in nature.  As a result, the Company wrote down its investment by $144,000.  The remaining fair value of the investment at December 31, 2011 was approximately $264,000.

 

The amortized cost and estimated fair value of investment securities available for sale at December 31, 2013, by contractual maturity, are shown below. Expected maturities of mortgage-backed securities will differ from contractual maturities because borrowers have the right to call or prepay obligations with or without call or prepayment penalties.

 

December 31, 2013      
(Dollars in thousands)      
  Amortized Cost  

Estimated Fair

Value

Due within one year $ 4,019   4,048
Due from one to five years   31,725   32,103
Due from five to ten years   119,313   115,878
Due after ten years   20,298   20,195
Mortgage-backed securities   123,706   123,977
Equity securities   748   1,689
Total $ 299,809   297,890

 

Proceeds from sales of securities available for sale during 2013 were $17.5 million and resulted in gross gains of $738,000 and gross losses of $124,000.  During 2012, the proceeds from sales of securities available for sale were $47.1 million and resulted in gross gains of $1.3 million and gross losses of $103,000.  During 2011, the proceeds from sales of securities available for sale were $111.0 million and resulted in gross gains of $4.4 million and gross losses of $9,000.

 

Securities with a fair value of approximately $86.0 million and $73.9 million at December 31, 2013 and 2012, respectively, were pledged to secure public deposits, Federal Home Loan Bank of Atlanta (“FHLB”) borrowings and for other purposes as required by law.

 

GAAP establishes a framework for measuring fair value and expands disclosures about fair value measurements. There is a three-level fair value hierarchy for fair value measurements.  Level 1 inputs are quoted prices in active markets for identical assets or liabilities that a company has the ability to access at the measurement date. Level 2 inputs are inputs other than quoted prices included within Level 1 that are observable for the asset or liability, either directly or indirectly. Level 3 inputs are unobservable inputs for the asset or liability.  The table below presents the balance of securities available for sale, which are measured at fair value on a recurring basis by level within the fair value hierarchy as of December 31, 2013 and 2012.

 

(Dollars in thousands)              
  December 31, 2013
  Fair Value Measurements  

Level 1

Valuation

  

Level 2

Valuation

  

Level 3

Valuation

Mortgage-backed securities $ 123,977   -   123,977   -
U.S. Government                
sponsored enterprises $ 22,143   -   22,143   -
State and political subdivisions $ 145,368   -   145,368   -
Corporate bonds $ 3,463   -   3,463   -
Trust preferred securities $ 1,250   -   -   1,250
Equity securities $ 1,689   1,689   -   -

 

(Dollars in thousands)              
  December 31, 2012
  Fair Value Measurements  

Level 1

Valuation

  

Level 2

Valuation

  

Level 3

Valuation

Mortgage-backed securities $ 148,024   -   148,024   -
U.S. Government                
sponsored enterprises $ 18,837   -   18,837   -
State and political subdivisions $ 125,658   -   125,658   -
Corporate bonds $ 2,586   -   2,586   -
Trust preferred securities $ 1,250   -   -   1,250
Equity securities $ 1,468   1,468   -   -

 

Fair values of investment securities available for sale are determined by obtaining quoted prices on nationally recognized securities exchanges when available.  If quoted prices are not available, fair value is determined using matrix pricing, which is a mathematical technique used widely in the industry to value debt securities without relying exclusively on quoted prices for the specific securities but rather by relying on the securities’ relationship to other benchmark quoted securities.

 

The following is an analysis of fair value measurements of investment securities available for sale using Level 3, significant unobservable inputs, for the year ended December 31, 2013.

 

(Dollars in thousands)  
  Investment Securities Available for Sale
  Level 3 Valuation
Balance, beginning of period $ 1,250
Change in book value   -
Change in gain/(loss) realized and unrealized   -
Purchases/(sales)   -
Transfers in and/or (out) of Level 3   -
Balance, end of period $ 1,250
     
Change in unrealized gain/(loss) for assets still held in Level 3 $ -
XML 44 R62.htm IDEA: XBRL DOCUMENT v2.4.0.8
5. Time Deposits (Details Narrative) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2013
Dec. 31, 2012
Time Deposits Details Narrative    
Time deposits purchased through third party brokers, including certificates of deposit participated through the Certificate of Deposit Account Registry Service ("CDARS") on behalf of local customers $ 15,100 $ 21,400
CDARS balances $ 15,100 $ 20,100
Weighted average rate of brokered deposits 0.14% 0.29%
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2. Investment Securities (Details) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Investment securities available for sale    
Estimated Fair Value $ 297,890 $ 297,823
Mortgage-backed securities
    
Investment securities available for sale    
Amortized Cost 123,706 146,755
Gross Unrealized Gains 1,040 1,875
Gross Unrealized Losses 769 606
Estimated Fair Value 123,977 148,024
U.S. Government sponsored enterprises
    
Investment securities available for sale    
Amortized Cost 22,115 18,714
Gross Unrealized Gains 97 203
Gross Unrealized Losses 69 80
Estimated Fair Value 22,143 18,837
State and political subdivisions
    
Investment securities available for sale    
Amortized Cost 148,468 118,591
Gross Unrealized Gains 1,987 7,171
Gross Unrealized Losses 5,087 104
Estimated Fair Value 145,368 125,658
Corporate bonds
    
Investment securities available for sale    
Amortized Cost 3,522 2,571
Gross Unrealized Gains 11 19
Gross Unrealized Losses 70 4
Estimated Fair Value 3,463 2,586
Trust preferred securities
    
Investment securities available for sale    
Amortized Cost 1,250 1,250
Gross Unrealized Gains 0 0
Gross Unrealized Losses 0 0
Estimated Fair Value 1,250 1,250
Equity securities
    
Investment securities available for sale    
Amortized Cost 748 748
Gross Unrealized Gains 941 720
Gross Unrealized Losses 0 0
Estimated Fair Value 1,689 1,468
Total
    
Investment securities available for sale    
Amortized Cost 299,809 288,629
Gross Unrealized Gains 4,076 9,988
Gross Unrealized Losses 5,995 794
Estimated Fair Value $ 297,890 $ 297,823
XML 47 R29.htm IDEA: XBRL DOCUMENT v2.4.0.8
4. Premises and Equipment (Tables)
 12 Months Ended
Dec. 31, 2013
Property, Plant and Equipment [Abstract]  
Summary of premises and equipment
(Dollars in thousands)      
  2013   2012
       
Land $ 3,667   3,657
Buildings and improvements   15,126   14,815
Furniture and equipment   16,239   17,660
         
Total premises and equipment   35,032   36,132
         
Less accumulated depreciation   18,674   20,258
         
Total net premises and equipment $ 16,358   15,874
XML 48 R28.htm IDEA: XBRL DOCUMENT v2.4.0.8
3. Loans (Tables)
 12 Months Ended
Dec. 31, 2013
Loans Tables  
Major classifications of loans
(Dollars in thousands)      
  December 31, 2013   December 31, 2012
Real estate loans      
Construction and land development $ 63,742   73,176
Single-family residential   195,975   195,003
Single-family residential -        
Banco de la Gente stated income   49,463   52,019
Commercial   209,287   200,633
Multifamily and farmland   11,801   8,951
Total real estate loans   530,268   529,782
         
Loans not secured by real estate        
Commercial loans   68,047   64,295
Farm loans   19   11
Consumer loans   9,593   10,148
All other loans   13,033   15,738
         
Total loans   620,960   619,974
         
Less allowance for loan losses   13,501   14,423
         
Total net loans $ 607,459   605,551
Age analysis of past due loans, by loan type

 

December 31, 2013                
(Dollars in thousands)                
 

Loans 30-89

Days Past

Due

  

Loans 90 or

More Days

Past Due

  

Total

Past Due

Loans

  

Total

Current

Loans

  

Total

Loans

  

Accruing

Loans 90 or

More Days

Past Due

Real estate loans                      
Construction and land development $ 3,416   5,426   8,842   54,900   63,742   -  
Single-family residential   4,518   1,555   6,073   189,902   195,975   -  
Single-family residential -                        
Banco de la Gente stated income   9,833   1,952   11,785   37,678   49,463   881
Commercial   1,643   486   2,129   207,158   209,287   -  
Multifamily and farmland   177   -     177   11,624   11,801   -  
Total real estate loans   19,587   9,419   29,006   501,262   530,268   881
                         
Loans not secured by real estate                        
Commercial loans   424   29   453   67,594   68,047   -  
Farm loans   -     -     -     19   19   -  
Consumer loans   181   3   184   9,409   9,593   1
All other loans   -     -     -     13,033   13,033   -  
Total loans $ 20,192   9,451   29,643   591,317   620,960   882

 

December 31, 2012                
(Dollars in thousands)                
 

Loans 30-89

Days Past

Due

  

Loans 90 or

More Days

Past Due

  

Total

Past Due

Loans

  

Total

Current

Loans

  

Total

Loans

  

Accruing

Loans 90 or

More Days

Past Due

Real estate loans                      
Construction and land development $ 1,280   6,858   8,138   65,038   73,176   -  
Single-family residential   4,316   1,548   5,864   189,139   195,003   -  
Single-family residential -                        
Banco de la Gente stated income   11,077   3,659   14,736   37,283   52,019   2,378
Commercial   1,720   1,170   2,890   197,743   200,633   -  
Multifamily and farmland   7   -     7   8,944   8,951   -  
Total real estate loans   18,400   13,235   31,635   498,147   529,782   2,378
                         
Loans not secured by real estate                        
Commercial loans   888   66   954   63,341   64,295   23
Farm loans   -     -     -     11   11   -  
Consumer loans   250   10   260   9,888   10,148   2
All other loans   -     -     -     15,738   15,738   -  
Total loans $ 19,538   13,311   32,849   587,125   619,974   2,403
Non-accrual loans
(Dollars in thousands)      
  December 31, 2013   December 31, 2012
Real estate loans      
Construction and land development $ 6,546   9,253
Single-family residential   2,980   2,491
Single-family residential -        
Banco de la Gente stated income   1,990   2,232
Commercial   2,043   3,263
Total real estate loans   13,559   17,239
         
Loans not secured by real estate        
Commercial loans   250   344
Consumer loans   27   47
Total $ 13,836   17,630
Impaired loans

The following tables present the Bank’s impaired loans as of December 31, 2013 and 2012:

 

(Dollars in thousands)                      
                       
 

Unpaid

Contractual Principal

Balance

  

Recorded Investment

With No Allowance

  

Recorded Investment

With

Allowance

  

Recorded Investment

in Impaired

Loans

   Related Allowance  

Average Outstanding Impaired

Loans

Real estate loans                      
Construction and land development $ 9,861   6,293   868   7,161   53   8,289
Single-family residential   7,853   1,428   5,633   7,061   123   7,859
Single-family residential -                        
Banco de la Gente stated income   22,034   -     21,242   21,242   1,300   21,242
Commercial   5,079   3,045   1,489   4,534   182   4,171
Multifamily and farmland   177   -     177   177   1   184
Total impaired real estate loans   45,004   10,766   29,409   40,175   1,659   41,745
                         
Loans not secured by real estate                        
Commercial loans   999   257   724   981   15   826
Consumer loans   302   264   35   299   1   247
Total impaired loans $ 46,305   11,287   30,168   41,455   1,675   42,818
                         
                         
December 31, 2012                        
(Dollars in thousands)                        
 

Unpaid

Contractual Principal

Balance

  

Recorded Investment

With No Allowance

  

Recorded Investment

With

Allowance

  

Recorded Investment

in Impaired

Loans

   Related Allowance  

Average Outstanding Impaired

Loans

Real estate loans                        
Construction and land development $ 17,738   11,795   680   12,475   61   12,810
Single-family residential   9,099   766   7,799   8,565   177   7,590
Single-family residential -                        
Banco de la Gente stated income   21,806   -     21,000   21,000   1,278   21,158
Commercial   5,830   4,569   467   5,036   6   5,433
Multifamily and farmland   193   -     193   193   1   200
Total impaired real estate loans   54,666   17,130   30,139   47,269   1,523   47,191
                         
Loans not secured by real estate                        
Commercial loans   983   347   592   939   12   1,125
Consumer loans   68   -     66   66   1   41
Total impaired loans $ 55,717   17,477   30,797   48,274   1,536   48,357
Fair value measurements for impaired loans and other real estate on a non-recurring basis

 

(Dollars in thousands)                  
  Fair Value Measurements December 31, 2013  

Level 1

Valuation

  

Level 2

Valuation

  

Level 3

Valuation

  

Total Gains/(Losses) for

the Year Ended

December 31, 2013

Impaired loans $ 39,780   -   -   39,780   (3,207 )
Other real estate $ 1,679   -   -   1,679   (581 )

 

(Dollars in thousands)                  
  Fair Value Measurements December 31, 2012  

Level 1

Valuation

  

Level 2

Valuation

  

Level 3

Valuation

  

Total Gains/(Losses) for

the Year Ended

December 31, 2012

Impaired loans $ 46,738   -   -   46,738   (6,875 )
Other real estate $ 6,254   -   -   6,254   (1,136 )
Changes in the allowance for loan losses

Changes in the allowance for loan losses for the year ended December 31, 2013 were as follows:

 

(Dollars in thousands)                          
  Real Estate Loans                      
  Construction and Land Development  

Single-

Family Residential

  

Single-

Family Residential - Banco de la Gente

Stated Income

   Commercial  

Multifamily and

Farmland

   Commercial   Farm   Consumer and All Other   Unallocated   Total  
Allowance for loan losses:                                        
Beginning balance $ 4,399   3,231   1,998   2,049   28   1,088   -   245   1,385   14,423  
Charge-offs   (777 ) (1,724 ) (272 ) (445 ) -   (502 ) -   (652 ) -   (4,372 )
Recoveries   377   111   141   50   -   44   -   143   -   866  
Provision   (781 ) 1,505   (4 ) 565   9   439   -   509   342   2,584  
Ending balance $ 3,218   3,123   1,863   2,219   37   1,069   -   245   1,727   13,501  
                                           
                                           
Ending balance: individually                                        
evaluated for impairment $ -   39   1,268   171   -   -   -   -   -   1,478  
Ending balance: collectively                                        
evaluated for impairment   3,218   3,084   595   2,048   37   1,069   -   245   1,727   12,023  
Ending balance $ 3,218   3,123   1,863   2,219   37   1,069   -   245   1,727   13,501  
                                           
Loans:                                          
Ending balance $ 63,742   195,975   49,463   209,287   11,801   68,047   19   22,626   -   620,960  
                                           
Ending balance: individually                                        
evaluated for impairment $ 6,293   3,127   19,958   3,767   -   256   -   265   -   33,666  
Ending balance: collectively                                        
evaluated for impairment $ 57,449   192,848   29,505   205,520   11,801   67,791   19   22,361   -   587,294  

 

 

Changes in the allowance for loan losses for the year ended December 31, 2012 were as follows:

 

(Dollars in thousands)                            
  Real Estate Loans                      
  Construction and Land Development  

Single-

Family Residential

  

Single-

Family Residential - Banco de la Gente

Stated Income

   Commercial  

Multifamily and

Farmland

   Commercial   Farm   Consumer and All Other   Unallocated   Total  
Allowance for loan losses:                                        
Beginning balance $ 7,182   3,253   2,104   1,731   13   1,029   -   255   1,037   16,604  
Charge-offs   (4,728 ) (886 ) (668 ) (937 ) -   (555 ) -   (557 ) -   (8,331 )
Recoveries   528   72   -   374   -   104   -   148   -   1,226  
Provision   1,417   792   562   881   15   510   -   399   348   4,924  
Ending balance $ 4,399   3,231   1,998   2,049   28   1,088   -   245   1,385   14,423  
                                           
Ending balance: individually                                          
evaluated for impairment $ 24   84   1,254   -   -   -   -   -   -   1,362  
Ending balance: collectively                                          
evaluated for impairment   4,375   3,147   744   2,049   28   1,088   -   245   1,385   13,061  
Ending balance $ 4,399   3,231   1,998   2,049   28   1,088   -   245   1,385   14,423  
                                           
Loans:                                    
Ending balance $ 73,176   195,003   52,019   200,633   8,951   64,295   11   25,886   -   619,974  
                                           
Ending balance: individually                                          
evaluated for impairment $ 11,961   3,885   20,024   4,569   -   346   -   -   -   40,785  
Ending balance: collectively                                          
evaluated for impairment $ 61,215   191,118   31,995   196,064   8,951   63,949   11   25,886   -   579,189  

  

Changes in the allowance for loan losses for the year ended December 31, 2011 were as follows:

 

(Dollars in thousands)                      
  Real Estate Loans                  
  Construction and Land Development  

Single-

Family Residential

  

Single-

Family Residential - Banco de la Gente

Stated

Income

   Commercial  

Multifamily and

Farmland

   Commercial  

Consumer

and All

Other

   Unallocated   Total  
Allowance for loan losses:                                    
Beginning balance $ 5,774   3,992   2,105   1,409   17   1,174   430   592   15,493  
   Charge-offs   (7,164 ) (2,233 ) (692 ) (1,271 ) -   (314 ) (586 ) -   (12,260 )
   Recoveries   241   184   17   24   -   121   152   -   739  
   Provision   8,331   1,310   674   1,569   (4 ) 48   259   445   12,632  
Ending balance $ 7,182   3,253   2,104   1,731   13   1,029   255   1,037   16,604  
                                       
Ending balance: individually                                    
evaluated for impairment $ 1,250   46   1,243   -   -   -   -   -   2,539  
Ending balance: collectively                                    
 evaluated for impairment 5,932   3,207   861   1,731   13   1,029   255   1,037   14,065  
Ending balance $ 7,182   3,253   2,104   1,731   13   1,029   255   1,037   16,604  
                                       
Loans:                                      
Ending balance $ 93,812   212,993   54,058   214,415   4,793   60,646   29,780   -   670,497  
                                       
Ending balance: individually                                    
evaluated for impairment $ 20,280   2,352   18,309   3,845   -   -   -   -   44,786  
Ending balance: collectively                                    
 evaluated for impairment $ 73,532   210,641   35,749   210,570   4,793   60,646   29,780   -   625,711  
Credit risk profile of each loan type based on internally assigned risk grade

The following tables present the credit risk profile of each loan type based on internally assigned risk grades as of December 31, 2013 and 2012.

 

December 31, 2013                                
(Dollars in thousands)                            
  Real Estate Loans                    
  Construction and Land Development  

Single-

Family Residential

  

Single-

Family Residential - Banco de la Gente

Stated Income

   Commercial  

Multifamily and

Farmland

   Commercial   Farm   Consumer   All Other   Total
                                       
1- Excellent Quality $ 7   15,036   -   -   -   365   -   1,270   -   16,678
2- High Quality   7,852   60,882   -   33,340   715   8,442   -   3,519   2,139   116,889
3- Good Quality   22,899   73,118   22,255   123,604   7,882   44,353   19   4,061   8,565   306,756
4- Management Attention   14,464   34,090   8,369   42,914   286   13,704   -   358   2,329   116,514
5- Watch   8,163   6,806   8,113   5,190   2,741   320   -   50   -   31,383
6- Substandard   10,357   6,043   10,726   4,239   177   863   -   330   -   32,735
7- Doubtful   -   -   -   -   -   -   -   -   -   -
8- Loss   -   -   -   -   -   -   -   5   -   5
Total $ 63,742   195,975   49,463   209,287   11,801   68,047   19   9,593   13,033   620,960
                                         
                                         
                                         
December 31, 2012                              
(Dollars in thousands)                          
  Real Estate Loans                    
  Construction and Land Development  

Single-

Family Residential

  

Single-

Family Residential - Banco de la Gente

Stated Income

   Commercial  

Multifamily and

Farmland

   Commercial   Farm   Consumer   All Other   Total
                                         
1- Excellent Quality $ 11   24,662   -   -   -   672   -   1,239   -   26,584
2- High Quality   4,947   56,829   -   27,511   32   9,260   -   4,122   2,317   105,018
3- Good Quality   24,952   62,018   24,724   114,001   4,975   40,814   11   4,186   13,416   289,097
4- Management Attention   18,891   35,727   11,366   47,603   3,039   11,844   -   392   5   128,867
5- Watch   9,580   9,504   3,597   6,911   712   976   -   134   -   31,414
6- Substandard   14,795   6,263   12,332   4,607   193   729   -   70   -   38,989
7- Low Substandard   -   -   -   -   -   -   -   -   -   -
8- Doubtful   -   -   -   -   -   -   -   -   -   -
9- Loss   -   -   -   -   -   -   -   5   -   5
Total $ 73,176   195,003   52,019   200,633   8,951   64,295   11   10,148   15,738   619,974
Analysis of TDR loans by loan type

The following table presents an analysis of TDR loans by loan type as of December 31, 2013.

 

December 31, 2013          
(Dollars in thousands)          
  Number of Contracts  

Pre-Modification Outstanding Recorded

Investment

  

Post-Modification Outstanding Recorded

Investment

Real estate loans          
Construction and land development 15   $ 10,222   6,528
Single-family residential 20     1,281   1,754
Single-family residential -            
Banco de la Gente stated income 91     10,038   8,605
Commercial 10     3,775   4,272
Multifamily and farmland 1     322   177
Total real estate TDR loans 137     25,638   21,336
             
Loans not secured by real estate            
Commercial loans 7     519   344
Consumer loans 3     284   266
Total TDR loans 147   $ 26,441   21,946

 

The following table presents an analysis of 2013 loan modifications included in the December 31, 2013 TDR table above.

 

Year ended December 31, 2013          
(Dollars in thousands)          
  Number of Contracts  

Pre-Modification Outstanding Recorded

Investment

  

Post-Modification Outstanding Recorded

Investment

Real estate loans          
Construction and land development 2   $ 841   824
Single-family residential -            
Banco de la Gente stated income 7     796   788
Total real estate TDR loans 9     1,637   1,612
             
Total TDR loans 9   $ 1,637   1,612

 

The following table presents an analysis of TDR loans by loan type as of December 31, 2012.
 

December 31, 2012          
(Dollars in thousands)          
  Number of Contracts  

Pre-Modification Outstanding Recorded

Investment

  

Post-Modification Outstanding Recorded

Investment

Real estate loans          
Construction and land development 11   $ 10,465   6,633
Single-family residential 33     3,014   4,084
Single-family residential -            
Banco de la Gente stated income 122     13,459   12,170
Commercial 4     1,457   682
Multifamily and farmland -       -     -  
Total real estate TDR loans 170     28,395   23,569
             
Loans not secured by real estate            
Commercial loans 9     511   368
Consumer loans 1     2   -  
Total TDR loans 180   $ 28,908   23,937

 

The following table presents an analysis of 2012 loan modifications included in the December 31, 2012 TDR table above.

 

Year ended December 31, 2012          
(Dollars in thousands)          
  Number of Contracts  

Pre-Modification Outstanding Recorded

Investment

  

Post-Modification Outstanding Recorded

Investment

Real estate loans          
Single-family residential 5   $ 674   673
Single-family residential -            
Banco de la Gente stated income 20     2,046   1,992
Total real estate TDR loans 25     2,720   2,665
             
Loans not secured by real estate            
Commercial loans 1     14   13
Total TDR loans 26   $ 2,734   2,678
XML 49 R56.htm IDEA: XBRL DOCUMENT v2.4.0.8
3. Loans, TDR (Details) (USD $)
In Thousands, except Share data, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Construction and land development
    
TDR Loans    
Number of Contracts 15 11
Pre-Modification Outstanding Recorded Investment $ 10,222 $ 10,465
Post-Modification Outstanding Recorded Investment 6,528 6,633
Single-family residential
    
TDR Loans    
Number of Contracts 20 33
Pre-Modification Outstanding Recorded Investment 1,281 3,014
Post-Modification Outstanding Recorded Investment 1,754 4,084
Single-family residential - Banco de la Gente stated income
    
TDR Loans    
Number of Contracts 91 122
Pre-Modification Outstanding Recorded Investment 10,038 13,459
Post-Modification Outstanding Recorded Investment 8,605 12,170
Commercial Real Estate
    
TDR Loans    
Number of Contracts 10 4
Pre-Modification Outstanding Recorded Investment 3,775 1,457
Post-Modification Outstanding Recorded Investment 4,272 682
Multifamily and Farmland
    
TDR Loans    
Number of Contracts 1  
Pre-Modification Outstanding Recorded Investment 322 0
Post-Modification Outstanding Recorded Investment 177 0
Total real estate loans
    
TDR Loans    
Number of Contracts 137 170
Pre-Modification Outstanding Recorded Investment 25,638 28,395
Post-Modification Outstanding Recorded Investment 21,336 23,569
Commercial loans (not secured by real estate)
    
TDR Loans    
Number of Contracts 7 9
Pre-Modification Outstanding Recorded Investment 519 511
Post-Modification Outstanding Recorded Investment 344 368
Consumer loans (not secured by real estate)
    
TDR Loans    
Number of Contracts 3 1
Pre-Modification Outstanding Recorded Investment 284 2
Post-Modification Outstanding Recorded Investment 266 0
Total TDR loans
    
TDR Loans    
Number of Contracts 147 180
Pre-Modification Outstanding Recorded Investment 26,441 28,908
Post-Modification Outstanding Recorded Investment $ 21,946 $ 23,937
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    2. Investment securities, Continuous Unrealized Loss Position (Details) (USD $)
    In Thousands, unless otherwise specified
    		 12 Months Ended
    Dec. 31, 2013
    Dec. 31, 2012
    Investment securities with continuous unrealized loss position    
    Less than 12 Months, Fair Value $ 129,742 $ 62,053
    Less than 12 Months, Unrealized Losses 5,639 656
    12 Months or More, Fair Value 12,463 12,913
    12 Months or More, Unrealized Losses 356 138
    Total, Fair Value 142,205 74,966
    Total, Unrealized Losses 5,995 794
    Mortgage-backed securities
    		    
    Investment securities with continuous unrealized loss position    
    Less than 12 Months, Fair Value 40,857 48,126
    Less than 12 Months, Unrealized Losses 691 468
    12 Months or More, Fair Value 10,128 12,913
    12 Months or More, Unrealized Losses 78 138
    Total, Fair Value 50,985 61,039
    Total, Unrealized Losses 769 606
    U.S. Government sponsored enterprises
    		    
    Investment securities with continuous unrealized loss position    
    Less than 12 Months, Fair Value 9,714 3,402
    Less than 12 Months, Unrealized Losses 69 80
    12 Months or More, Fair Value 0 0
    12 Months or More, Unrealized Losses 0 0
    Total, Fair Value 9,714 3,402
    Total, Unrealized Losses 69 80
    State and political subdivisions
    		    
    Investment securities with continuous unrealized loss position    
    Less than 12 Months, Fair Value 77,187 9,490
    Less than 12 Months, Unrealized Losses 4,863 104
    12 Months or More, Fair Value 1,824 0
    12 Months or More, Unrealized Losses 224 0
    Total, Fair Value 79,011 9,490
    Total, Unrealized Losses 5,087 104
    Corporate bonds
    		    
    Investment securities with continuous unrealized loss position    
    Less than 12 Months, Fair Value 1,984 1,035
    Less than 12 Months, Unrealized Losses 16 4
    12 Months or More, Fair Value 511 0
    12 Months or More, Unrealized Losses 54 0
    Total, Fair Value 2,495 1,035
    Total, Unrealized Losses $ 70 $ 4
    XML 52 R30.htm IDEA: XBRL DOCUMENT v2.4.0.8
    5. Time Deposits (Tables)
    		 12 Months Ended
    Dec. 31, 2013
    Banking and Thrift [Abstract]  
    Scheduled maturities of time deposits
    (Dollars in thousands)  
       
    2014 $ 127,036
    2015   48,913
    2016   22,318
    2017   10,155
    2018 and thereafter   8,781
         
    Total $ 217,203
    XML 53 R31.htm IDEA: XBRL DOCUMENT v2.4.0.8
    6. Federal Home Loan Bank and Federal Reserve Bank Borrowings (Tables)
    		 12 Months Ended
    Dec. 31, 2013
    Banking and Thrift [Abstract]  
    Borrowings from the FHLB outstanding
    (Dollars in thousands)      
             
    Maturity Date Call Date Rate Rate Type Amount
             
    March 25, 2019 N/A 4.260% Convertible   5,000
               
    November 12, 2014 N/A 2.230% Fixed Rate Hybrid   5,000
               
    October 17, 2016 N/A 3.734% Adjustable Rate Hybrid   5,000
               
    October 17, 2018 N/A 3.414% Adjustable Rate Hybrid   5,000
               
    October 17, 2018 N/A 3.654% Adjustable Rate Hybrid   15,000
               
    October 17, 2018 N/A 3.429% Adjustable Rate Hybrid   5,000
               
    October 17, 2018 N/A 3.484% Adjustable Rate Hybrid   5,000
               
    May 8, 2018 N/A 1.799% Floating to Fixed   5,000
               
    May 8, 2018 N/A 3.439% Floating to Fixed   15,000
               
            $ 65,000
    XML 54 R8.htm IDEA: XBRL DOCUMENT v2.4.0.8
    1. Summary of Significant Accounting Policies
    		 12 Months Ended
    Dec. 31, 2013
    Accounting Policies [Abstract]  
    1. Summary of Significant Accounting Policies

    Organization

    Peoples Bancorp of North Carolina, Inc. (“Bancorp”) received regulatory approval to operate as a bank holding company on July 22, 1999, and became effective August 31, 1999.  Bancorp is primarily regulated by the Board of Governors of the Federal Reserve System, and serves as the one-bank holding company for Peoples Bank (the “Bank”).

     

    The Bank commenced business in 1912 upon receipt of its banking charter from the North Carolina State Banking Commission (the “SBC”). The Bank is primarily regulated by the SBC and the Federal Deposit Insurance Corporation (the “FDIC”) and undergoes periodic examinations by these regulatory agencies. The Bank, whose main office is in Newton, North Carolina, provides a full range of commercial and consumer banking services primarily in Catawba, Alexander, Lincoln, Mecklenburg, Iredell, Union and Wake counties in North Carolina.

     

    Peoples Investment Services, Inc. is a wholly-owned subsidiary of the Bank and began operations in 1996 to provide investment and trust services through agreements with an outside party.

     

    Real Estate Advisory Services, Inc. (“REAS”) is a wholly-owned subsidiary of the Bank and began operations in 1997 to provide real estate appraisal and property management services to individuals and commercial customers of the Bank.

     

    Community Bank Real Estate Solutions, LLC is a wholly-owned subsidiary of Bancorp and began operations in 2009 as a “clearing house” for appraisal services for community banks.  Other banks are able to contract with Community Bank Real Estate Solutions, LLC to find and engage appropriate appraisal companies in the area where the property is located.

     

    Principles of Consolidation

    The consolidated financial statements include the financial statements of Bancorp and its wholly-owned subsidiaries, the Bank and Community Bank Real Estate Solutions, LLC, along with the Bank’s wholly-owned subsidiaries, Peoples Investment Services, Inc. and REAS (collectively called the “Company”).  All significant intercompany balances and transactions have been eliminated in consolidation.

     

    Basis of Presentation

    The accounting principles followed by the Company, and the methods of applying these principles, conform with accounting principles generally accepted in the United States of America (“GAAP”) and with general practices in the banking industry. In preparing the financial statements in conformity with GAAP, management is required to make estimates and assumptions that affect the reported amounts in the financial statements. Actual results could differ significantly from these estimates. Material estimates common to the banking industry that are particularly susceptible to significant change in the near term include, but are not limited to, the determination of the allowance for loan losses and valuation of real estate acquired in connection with or in lieu of foreclosure on loans.

     

    Cash and Cash Equivalents

    Cash, due from banks and interest-bearing deposits are considered cash and cash equivalents for cash flow reporting purposes.

     

    Investment Securities

    There are three classifications the Company is able to classify its investment securities: trading, available for sale, or held to maturity. Trading securities are bought and held principally for sale in the near term. Held to maturity securities are those securities for which the Company has the ability and intent to hold until maturity. All other securities not included in trading or held to maturity are classified as available for sale. At December 31, 2013 and 2012, the Company classified all of its investment securities as available for sale.

     

    Available for sale securities are recorded at fair value. Unrealized holding gains and losses, net of the related tax effect, are excluded from earnings and are reported as a separate component of shareholders’ equity until realized.

     

    Management evaluates investment securities for other-than-temporary impairment on an annual basis.  A decline in the market value of any investment below cost that is deemed other-than-temporary is charged to earnings for the decline in value deemed to be credit related and a new cost basis in the security is established.  The decline in value attributed to non-credit related factors is recognized in comprehensive income.

     

    Premiums and discounts are amortized or accreted over the life of the related security as an adjustment to the yield.  Realized gains and losses for securities classified as available for sale are included in earnings and are derived using the specific identification method for determining the cost of securities sold.

     

    Other Investments

    Other investments include equity securities with no readily determinable fair value.  These investments are carried at cost.

     

    Mortgage Loans Held for Sale

    Mortgage loans held for sale are carried at lower of aggregate cost or market value.  The cost of mortgage loans held for sale approximates the market value.

     

    Loans

    Loans that management has the intent and ability to hold for the foreseeable future or until maturity are reported at the principal amount outstanding, net of the allowance for loan losses. Interest on loans is calculated by using the simple interest method on daily balances of the principal amount outstanding.   The recognition of certain loan origination fee income and certain loan origination costs is deferred when such loans are originated and amortized over the life of the loan.

     

    A loan is impaired when, based on current information and events, it is probable that all amounts due according to the contractual terms of the loan will not be collected.  Impaired loans are measured based on the present value of expected future cash flows, discounted at the loan’s effective interest rate, or at the loan’s observable market price, or the fair value of the collateral if the loan is collateral dependent.

     

    Accrual of interest is discontinued on a loan when management believes, after considering economic conditions and collection efforts, that the borrower’s financial condition is such that collection of interest is doubtful. Interest previously accrued but not collected is reversed against current period earnings.

     

    Allowance for Loan Losses

    The allowance for loan losses reflects management’s assessment and estimate of the risks associated with extending credit and its evaluation of the quality of the loan portfolio.  The Bank periodically analyzes the loan portfolio in an effort to review asset quality and to establish an allowance for loan losses that management believes will be adequate in light of anticipated risks and loan losses.  In assessing the adequacy of the allowance, size, quality and risk of loans in the portfolio are reviewed. Other factors considered are:

     

    ·   the Bank’s loan loss experience;

     

    ·   the amount of past due and non-performing loans;

     

    ·   specific known risks;

     

    ·   the status and amount of other past due and non-performing assets;

     

    ·   underlying estimated values of collateral securing loans;

     

    ·   current and anticipated economic conditions; and

     

    ·   other factors which management believes affect the allowance for potential credit losses.

     

    The allowance for loan losses is comprised of three components: specific reserves, general reserves and unallocated reserves.  After a loan has been identified as impaired, management measures impairment.  When the measure of the impaired loan is less than the recorded investment in the loan, the amount of the impairment is recorded as a specific reserve. These specific reserves are determined on an individual loan basis based on management’s current evaluation of the Bank’s loss exposure for each credit, given the appraised value of any underlying collateral or the present value of projected cash flows for non-collateral dependent loans.  Loans for which specific reserves are provided are excluded from the general allowance calculations as described below.

     

    The general allowance reflects reserves established under GAAP for collective loan impairment.  These reserves are based upon historical net charge-offs using the greater of the loss experience for the last two, three, four or five year periods.  This charge-off experience may be adjusted to reflect the effects of current conditions.  The Bank considers information derived from its loan risk ratings and external data related to industry and general economic trends in establishing reserves.

     

    The unallocated allowance is determined through management’s assessment of probable losses that are in the portfolio but are not adequately captured by the other two components of the allowance, including consideration of current economic and business conditions and regulatory requirements. The unallocated allowance also reflects management’s acknowledgement of the imprecision and subjectivity that underlie the modeling of credit risk.  Due to the subjectivity involved in determining the overall allowance, including the unallocated portion, this unallocated portion may fluctuate from period to period based on management’s evaluation of the factors affecting the assumptions used in calculating the allowance.

     

    Management considers the allowance for loan losses adequate to cover the estimated losses inherent in the Bank’s loan portfolio as of the date of the financial statements. Management believes it has established the allowance in accordance with GAAP and in consideration of the current economic environment. Although management uses the best information available to make evaluations, significant future additions to the allowance may be necessary based on changes in economic and other conditions, thus adversely affecting the operating results of the Company.

     

    There were no significant changes in the estimation methods or fundamental assumptions used in the evaluation of the allowance for loan losses for the year ended December 31, 2013 as compared to the year ended December 31, 2012.   Revisions, estimates and assumptions may be made in any period in which the supporting factors indicate that loss levels may vary from the previous estimates.

     

    Effective December 31, 2012, stated income mortgage loans from the Banco de la Gente division of the Bank were analyzed separately from other single family residential loans in the Bank’s loan portfolio.  These loans are first mortgage loans made to the Latino market, primarily in Mecklenburg and surrounding counties.  These loans are non-traditional mortgages in that the customer normally did not have a credit history, so all credit information was accumulated by the loan officers.  These loans were made as stated income loans rather than full documentation loans because the customer may not have had complete documentation on the income supporting the loan.

     

    Various regulatory agencies, as an integral part of their examination process, periodically review the Bank’s allowance for loan losses. Such agencies may require adjustments to the allowance based on their judgments of information available to them at the time of their examinations.  Also, an independent loan review process further assists with evaluating credit quality and assessing potential performance issues.

     

    Mortgage Banking Activities

    Mortgage banking income represents net gains from the sale of mortgage loans and fees received from borrowers and loan investors related to the Bank’s origination of single-family residential mortgage loans.

     

    Mortgage loans serviced for others are not included in the accompanying balance sheets. The unpaid principal balances of mortgage loans serviced for others was approximately $2.4 million, $3.1 million and $4.0 million at December 31, 2013, 2012 and 2011, respectively.

     

    The Bank originates certain fixed rate mortgage loans and commits these loans for sale.  The commitments to originate fixed rate mortgage loans and the commitments to sell these loans to a third party are both derivative contracts.  The fair value of these derivative contracts is immaterial and has no effect on the recorded amounts in the financial statements.

     

    Premises and Equipment

    Premises and equipment are stated at cost less accumulated depreciation. Depreciation is computed primarily using the straight-line method over the estimated useful lives of the assets. When assets are retired or otherwise disposed, the cost and related accumulated depreciation are removed from the accounts, and any gain or loss is reflected in earnings for the period. The cost of maintenance and repairs that do not improve or extend the useful life of the respective asset is charged to earnings as incurred, whereas significant renewals and improvements are capitalized. The range of estimated useful lives for premises and equipment are generally as follows:

     

    Buildings and improvements    10 - 50 years
    Furniture and equipment    3 - 10 years

     

    Other Real Estate

    Foreclosed assets include all assets received in full or partial satisfaction of a loan.  Foreclosed assets are reported at fair value less estimated selling costs.  Any write-downs at the time of foreclosure are charged to the allowance for loan losses.  Subsequent to foreclosure, valuations are periodically performed by management, and a valuation allowance is established if fair value declines below carrying value.  Costs relating to the development and improvement of the property are capitalized.  Revenues and expenses from operations are included in other expenses.  Changes in the valuation allowance are included in loss on sale and write-down of other real estate.  The balance of other real estate was $1.7 million and $6.3 million at December 31, 2013 and 2012, respectively.

     

    Income Taxes

    Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Additionally, the recognition of future tax benefits, such as net operating loss carryforwards, is required to the extent that the realization of such benefits is more likely than not to occur. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which the assets and liabilities are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income tax expense in the period that includes the enactment date.

     

    In the event the future tax consequences of differences between the financial reporting bases and the tax bases of the Company’s assets and liabilities results in a deferred tax asset, an evaluation of the probability of being able to realize the future benefits indicated by such asset is required. A valuation allowance is provided for the portion of the deferred tax asset when it is more likely than not that some portion or all of the deferred tax asset will not be realized. In assessing the realizability of a deferred tax asset, management considers the scheduled reversals of deferred tax liabilities, projected future taxable income, and tax planning strategies.

     

    Tax effects from an uncertain tax position can be recognized in the financial statements only when it is more likely than not that the tax position will be sustained upon examination by the appropriate taxing authority that would have full knowledge of all relevant information.  A tax position that meets the more likely than not recognition threshold is measured at the largest amount of benefit that is greater than fifty percent likely of being realized upon ultimate settlement.  Previously recognized tax positions that no longer meet the more likely than not recognition threshold should be derecognized in the first subsequent financial reporting period in which that threshold is no longer met.  The Company assessed the impact of this guidance and determined that it did not have a material impact on the Company’s financial position, results of operations or disclosures.

     

    Derivative Financial Instruments and Hedging Activities

    In the normal course of business, the Company enters into derivative contracts to manage interest rate risk by modifying the characteristics of the related balance sheet instruments in order to reduce the adverse effect of changes in interest rates. All material derivative financial instruments are recorded at fair value in the financial statements.  The fair value of derivative contracts related to the origination of fixed rate mortgage loans and the commitments to sell these loans to a third party is immaterial and has no effect on the recorded amounts in the financial statements.

     

    The disclosure requirements for derivatives and hedging activities have the intent to provide users of financial statements with an enhanced understanding of: (a) how and why an entity uses derivative instruments, (b) how derivative instruments and related hedged items are accounted for and (c) how derivative instruments and related hedged items affect an entity’s financial position, financial performance, and cash flows.  The disclosure requirements include qualitative disclosures about objectives and strategies for using derivatives, quantitative disclosures about the fair value of and gains and losses on derivative instruments, and disclosures about credit-risk-related contingent features in derivative instruments.

     

    On the date a derivative contract is entered into, the Company designates the derivative as a fair value hedge, a cash flow hedge, or a trading instrument. Changes in the fair value of instruments used as fair value hedges are accounted for in the earnings of the period simultaneous with accounting for the fair value change of the item being hedged. Changes in the fair value of the effective portion of cash flow hedges are accounted for in other comprehensive income rather than earnings. Changes in fair value of instruments that are not intended as a hedge are accounted for in the earnings of the period of the change.

     

    If a derivative instrument designated as a fair value hedge is terminated or the hedge designation removed, the difference between a hedged item’s then carrying amount and its face amount is recognized into income over the original hedge period. Likewise, if a derivative instrument designated as a cash flow hedge is terminated or the hedge designation removed, related amounts accumulated in other accumulated comprehensive income are reclassified into earnings over the original hedge period during which the hedged item affects income.

     

    The accounting for changes in the fair value of derivatives depends on the intended use of the derivative, whether the Company has elected to designate a derivative in a hedging relationship and apply hedge accounting and whether the hedging relationship has satisfied the criteria necessary to apply hedge accounting. Derivatives designated and qualifying as a hedge of the exposure to changes in the fair value of an asset, liability, or firm commitment attributable to a particular risk, such as interest rate risk, are considered fair value hedges. Derivatives designated and qualifying as a hedge of the exposure to variability in expected future cash flows, or other types of forecasted transactions, are considered cash flow hedges. Hedge accounting generally provides for the matching of the timing of gain or loss recognition on the hedging instrument with the recognition of the changes in the fair value of the hedged asset or liability that are attributable to the hedged risk in a fair value hedge or the earnings effect of the hedged forecasted transactions in a cash flow hedge.  The Company may enter into derivative contracts that are intended to economically hedge certain of its risks, even though hedge accounting does not apply or the Company elects not to apply hedge accounting.

     

    The Company formally documents all hedging relationships, including an assessment that the derivative instruments are expected to be highly effective in offsetting the changes in fair values or cash flows of the hedged items.

     

    Advertising Costs

    Advertising costs are expensed as incurred.

     

    Stock-Based Compensation

    The Company has an Omnibus Stock Ownership and Long Term Incentive Plan (the “1999 Plan”) whereby certain stock-based rights, such as stock options, restricted stock and restricted stock units were granted to eligible directors and employees.  The 1999 Plan expired on May 13, 2009 but still governs the rights and obligations of the parties for grants made thereunder.

     

    Under the 1999 Plan, the Company granted incentive stock options to certain eligible employees in order that they may purchase Company stock at a price equal to the fair market value on the date of the grant.  The options granted in 1999 vested over a five-year period.  Options granted subsequent to 1999 vested over a three-year period.  All options expire ten years after issuance.   A summary of the stock option activity in the 1999 Plan is presented below:

     

    Stock Option Activity
    For the Years Ended December 31, 2013, 2012 and 2011
                     
      Shares  

    Weighted

    Average Option

    Price Per Share

    		  

    Weighted Average Remaining

    Contractual Term (in

    years)

    		    

    Aggregate

    Intrinsic

    Value

    (Dollars in

    thousands)

    Outstanding, December 31, 2010 150,071   $ 8.32          
                       
    Granted during the period -     $ -            
    Expired during the period (71,054 ) $ 8.71          
    Forfeited during the period -     $ -            
    Exercised during the period -     $ -            
                       
    Outstanding, December 31, 2011 79,017   $ 7.97          
                       
    Granted during the period -   $ -            
    Expired during the period -   $ -            
    Forfeited during the period (6,052 ) $ 8.89          
    Exercised during the period (69,335 ) $ 7.77          
                       
    Outstanding, December 31, 2012 3,630   $ 10.31          
                       
    Granted during the period -     $ -            
    Expired during the period -     $ -            
    Forfeited during the period -     $ -            
    Exercised during the period -     $ -            
                       
    Outstanding, December 31, 2013 3,630   $ 10.31                               0.35   $         14.05
                       
    Exercisable, December 31, 2013 3,630   $ 10.31                               0.35   $       14.05

     

    Options outstanding at December 31, 2013 are exercisable at $10.31.  Such options have a weighted average remaining contractual life of less than one year.  No options were granted during the years ended December 31, 2013, 2012 and 2011.  No options were exercised during the years ended December 31, 2013 and 2011.  69,335 options were exercised during the year ended December 31, 2012.

     

    In addition, under the 1999 Plan, the Company granted 3,000 restricted stock units in 2007 at a grant date fair value of $17.40 per share. The Company granted 1,750 restricted stock units at a grant date fair value of $12.80 per share during the third quarter of 2008 and 2,000 restricted stock units at a grant date fair value of $11.37 per share during the fourth quarter of 2008. The Company recognizes compensation expense on the restricted stock units over the period of time the restrictions are in place (three years from the grant date for the grants of restricted stock units to date under the 1999 Plan).  The amount of expense recorded each period reflects the changes in the Company’s stock price during the period.  As of December 31, 2013, there was no unrecognized compensation expense related to the 2007 and 2008 restricted stock unit grants granted under the 1999 Plan.

     

    The Company also has an Omnibus Stock Ownership and Long Term Incentive Plan that was approved by shareholders on May 7, 2009 (the “2009 Plan”) whereby certain stock-based rights, such as stock options, restricted stock, restricted stock units, performance units, stock appreciation rights or book value shares, may be granted to eligible directors and employees.  A total of 303,691 shares are currently reserved for possible issuance under the 2009 Plan.   All rights must be granted or awarded within ten years from the May 7, 2009 effective date of the 2009 Plan.

     

    The Company granted 29,514 restricted stock units under the 2009 Plan at a grant date fair value of $7.90 per share during the first quarter of 2012.  5,355 restricted stock units were forfeited by the executive officers of the Company as required by the agreement with the U.S. Department of the Treasury (“UST”) in conjunction with the Company’s participation in the Capital Purchase Program (“CPP”) under the Troubled Asset Relief Program (“TARP”).  In July 2012, the Company granted 5,355 restricted stock units at a grant date fair value of $8.25 per share. The Company granted 26,795 restricted stock units under the 2009 Plan at a grant date fair value of $11.90 per share during the second quarter of 2013.  The Company recognizes compensation expense on the restricted stock units over the period of time the restrictions are in place (five years from the grant date for the 2012 grants and four years from the grant date for the 2013 grants).  The amount of expense recorded each period reflects the changes in the Company’s stock price during the period.  As of December 31, 2013, the total unrecognized compensation expense related to the restricted stock unit grants under the 2009 Plan was $584,000.

     

    The Company recognized compensation expense for restricted stock awards granted under the 2009 Plan of $173,000 and $42,000 for the years ended December 31, 2013 and 2012, respectively.  The Company recognized compensation expense for restricted stock awards granted under the 1999 Plan of $7,000 for the year ended December 31, 2011.

     

    Net Earnings Per Share

    Net earnings per common share is based on the weighted average number of common shares outstanding during the period while the effects of potential common shares outstanding during the period are included in diluted earnings per common share. The average market price during the year is used to compute equivalent shares.

     

    The reconciliations of the amounts used in the computation of both “basic earnings per common share” and “diluted earnings per common share” for the years ended December 31, 2013, 2012 and 2011 are as follows:

     

    For the year ended December 31, 2013: Net Earnings Available to Common Shareholders (Dollars in thousands)  

    Common

    Shares

    		   Per Share Amount
    Basic earnings per common share $ 6,035   5,613,495   $ 1.08
    Effect of dilutive securities:              
    Stock options   -     9,725      
    Diluted earnings per common share $ 6,035   5,623,220   $ 1.07

     

    For the year ended December 31, 2012: Net Earnings Available to Common Shareholders (Dollars in thousands)  

    Common

    Shares

    Per Share

    Amount

    Basic earnings per common share $ 4,783   5,559,401   $ 0.86
    Effect of dilutive securities:              
    Stock options   -     3,206      
    Diluted earnings per common share $ 4,783   5,562,607   $ 0.86
                   
    For the year ended December 31, 2011: Net Earnings Available to Common Shareholders (Dollars in thousands)  

    Common

    Shares

    Per Share

    Amount

    Basic earnings per common share $ 3,766   5,542,548   $ 0.68
    Effect of dilutive securities:              
    Stock options   -     1,301      
    Diluted earnings per common share $ 3,766   5,543,849   $ 0.68

     

    Recent Accounting Pronouncements

    In January 2014, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) No. 2014-04, (Subtopic 310-40): Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure.  ASU No. 2014-04 provides additional guidance to clarify when an in substance repossession or foreclosure occurs, that is, when a creditor should be considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan such that the loan should be derecognized and the real estate property recognized.  ASU No. 2014-04 is effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2014.  The adoption of this guidance is not expected to have a material impact on the Company’s results of operations, financial position or disclosures.

     

    Other accounting standards that have been issued or proposed by FASB or other standards-setting bodies are not expected to have a material impact on the Company’s results of operations, financial position or disclosures.

     

    Reclassification

    Certain amounts in the 2011 and 2012 consolidated financial statements have been reclassified to conform to the 2013 presentation.
    XML 55 R32.htm IDEA: XBRL DOCUMENT v2.4.0.8
    8. Income Taxes (Tables)
    		 12 Months Ended
    Dec. 31, 2013
    Income Tax Disclosure [Abstract]  
    Components of Income Tax Expense (Benefit)
    (Dollars in thousands)            
      2013   2012   2011  
    Current $ 1,345   1,800   2,141  
    Deferred   534   (213 ) (678 )
    Total $ 1,879   1,587   1,463  
    Schedule of Effective Income Tax Rate Reconciliation
    (Dollars in thousands)            
      2013   2012   2011  
    Pre-tax income at statutory rate (34%) $ 2,914   2,509   2,251  
    Differences:              
    Tax exempt interest income   (1,481 ) (1,168 ) (1,052 )
    Nondeductible interest and other expense   141   52   62  
    Cash surrender value of life insurance   (147 ) (149 ) (101 )
    State taxes, net of federal benefits   428   324   233  
    Nondeductible capital losses   -     -     49  
    Other, net   24   19   21  
    Total $ 1,879   1,587   1,463  
    Schedule of Deferred Tax Assets and Liabilities
    (Dollars in thousands)      
      2013   2012
    Deferred tax assets:      
    Allowance for loan losses $ 5,205   5,560
    Accrued retirement expense   1,489   1,409
    Other real estate   218   628
    Other   413   362
    Unrealized loss on available for sale securities   747   -  
    Total gross deferred tax assets   8,072   7,959
             
    Deferred tax liabilities:        
    Deferred loan fees   581   794
    Premises and equipment   530   417
    Unrealized gain on available for sale securities   -     3,581
    Total gross deferred tax liabilities   1,111   4,792
    Net deferred tax asset $ 6,961   3,167
    XML 56 R40.htm IDEA: XBRL DOCUMENT v2.4.0.8
    1. Summary of Significant Accounting Policies (Details) (USD $)
    		 12 Months Ended
    Dec. 31, 2013
    Dec. 31, 2012
    Dec. 31, 2011
    Number of Options      
    Number of Options Outstanding, Beginning 3,630 79,017 150,071
    Number of Options Granted 0 0 0
    Number of Options Expired 0 0 (71,054)
    Number of Options Forfeited 0 (6,052) 0
    Number of Options Exercised 0 (69,335) 0
    Number of Options Outstanding, Ending 3,630 3,630 79,017
    Exercisable, December 31, 2013 3,630    
    Weighted Average Exercise Price      
    Weighted Average Exercise Price Outstanding, Beginning $ 10.31 $ 7.97 $ 8.32
    Weighted Average Exercise Price Granted $ 0 $ 0 $ 0
    Weighted Average Exercise Price Expired $ 0 $ 0 $ 8.71
    Weighted Average Exercise Price Forfeited $ 0 $ 8.89 $ 0
    Weighted Average Exercise Price Exercised $ 0 $ 7.77 $ 0
    Weighted Average Exercise Price Outstanding, Ending $ 10.31 $ 10.31 $ 7.97
    Weighted Average Exercise Price Exercisable, December 31, 2013 $ 10.31    
    Weighted Average Remaining Contractual Life (in years)      
    Weighted Average Remaining Contractual Term (in years) Outstanding 4 months 6 days    
    Weighted Average Remaining Contractual Term (in years) Exercisable, December 31, 2012 4 months 6 days    
    Aggregate Intrinsic Value      
    Options Outstanding, Intrinsic Value $ 14,050    
    Options Exercisable, Intrinsic Value $ 14,050    
    XML 57 R53.htm IDEA: XBRL DOCUMENT v2.4.0.8
    3. Loans Impaired, Fair Value Measurements (Details) (USD $)
    In Thousands, unless otherwise specified
    Dec. 31, 2013
    Dec. 31, 2012
    Impaired loans $ 39,780 $ 46,738
    Other real estate 1,679 6,254
    Level 1
    		    
    Impaired loans 0 0
    Other real estate 0 0
    Level 2
    		    
    Impaired loans 0 0
    Other real estate 0 0
    Level 3
    		    
    Impaired loans 39,780 46,738
    Other real estate 1,679 6,254
    Total gains (losses) for the year ended
    		    
    Impaired loans (3,207) (6,875)
    Other real estate $ (581) $ (1,136)
    XML 58 R72.htm IDEA: XBRL DOCUMENT v2.4.0.8
    12. Employee and Director Benefit Programs (Details) (USD $)
    In Thousands, unless otherwise specified
    		 12 Months Ended
    Dec. 31, 2013
    Dec. 31, 2012
    Employee And Director Benefit Programs Details    
    Benefit obligation at beginning of period $ 3,382 $ 2,923
    Service cost 336 430
    Interest cost 65 89
    Benefits paid (142) (60)
    Reversal of excess accrual (60) 0
    Benefit obligation at end of period $ 3,581 $ 3,382
    XML 59 R2.htm IDEA: XBRL DOCUMENT v2.4.0.8
    Consolidated Balance Sheets (USD $)
    In Thousands, unless otherwise specified
    Dec. 31, 2013
    Dec. 31, 2012
    Assets    
    Cash and due from banks, including reserve requirements of of $11,472 at 12/31/13 and $9,625 at 12/31/12 $ 49,902 $ 32,617
    Interest bearing deposits 26,871 16,226
    Cash and cash equivalents 76,773 48,843
    Investment securities available for sale 297,890 297,823
    Other investments 4,990 5,599
    Total securities 302,880 303,422
    Mortgage loans held for sale 497 6,922
    Loans 620,960 619,974
    Less allowance for loan losses (13,501) (14,423)
    Net loans 607,459 605,551
    Premises and equipment, net 16,358 15,874
    Cash surrender value of life insurance 13,706 13,273
    Other real estate 1,679 6,254
    Accrued interest receivable and other assets 15,332 13,377
    Total assets 1,034,684 1,013,516
    Deposits:    
    Non-interest bearing demand 195,265 161,582
    NOW, MMDA & savings 386,893 371,719
    Time, $100,000 or more 115,268 134,733
    Other time 101,935 113,491
    Total deposits 799,361 781,525
    Securities sold under agreements to repurchase 45,396 34,578
    FHLB borrowings 65,000 70,000
    Junior subordinated debentures 20,619 20,619
    Accrued interest payable and other liabilities 20,589 9,047
    Total liabilities 950,965 915,769
    Commitments      
    Shareholders' equity:    
    Series A preferred stock, $1,000 stated value; authorized 5,000,000 shares; issued and outstanding 12,524 shares in 2012 0 12,524
    Common stock, no par value; authorized 20,000,000 shares; issued and outstanding 5,613,495 shares in 2013 and 2012 48,133 48,133
    Retained earnings 36,758 31,478
    Accumulated other comprehensive (loss) income (1,172) 5,612
    Total shareholders' equity 83,719 97,747
    Total liabilities and shareholders' equity $ 1,034,684 $ 1,013,516
    XML 60 R45.htm IDEA: XBRL DOCUMENT v2.4.0.8
    2. Investment securities, Contractual Maturity (Details) (USD $)
    Dec. 31, 2013
    Amortized Cost  
    Due within one year $ 4,019
    Due from one to five years 31,725
    Due from five to ten years 119,313
    Due after ten years 20,298
    Mortgage-backed securities 123,706
    Equity securities 748
    Total 299,809
    Estimated Fair Value  
    Due within one year 4,048
    Due from one to five years 32,103
    Due from five to ten years 115,878
    Due after ten years 20,195
    Mortgage-backed securities 123,977
    Equity securities 1,689
    Total $ 297,890
    XML 61 R6.htm IDEA: XBRL DOCUMENT v2.4.0.8
    Consolidated Statements of Changes in Shareholders' Equity (USD $)
    In Thousands, except Share data
    Preferred Stock
    Common Stock
    Retained Earnings
    Accumulated Other Comprehensive Income / Loss
    Total
    Beginning Balance, Amount at Dec. 31, 2010 $ 24,617 $ 48,281 $ 23,573 $ 387 $ 96,858
    Beginning Balance, Shares at Dec. 31, 2010 25,054 5,541,413      
    Accretion of Series A preferred stock 141   (141)    0
    Cash dividends declared on Series A preferred stock     (1,253)    (1,253)
    Cash dividends declared on common stock     (443)    (443)
    Restricted stock payout, Shares   2,747      
    Restricted stock payout, Amount   17       17
    Net earnings     5,159    5,159
    Change in accumulated other comprehensive income, net of tax       2,689 2,689
    Ending Balance, Amount at Dec. 31, 2011 24,758 48,298 26,895 3,076 103,027
    Ending Balance, Shares at Dec. 31, 2011 25,054 5,544,160      
    Accretion of Series A preferred stock 70   (70)   0
    Preferred stock and warrant repurchase, Shares (12,530)        
    Preferred stock and warrant repurchase, Amount (12,304) (704) 886    (12,122)
    Cash dividends declared on Series A preferred stock     (1,023)    (1,023)
    Cash dividends declared on common stock     (1,003)    (1,003)
    Restricted stock payout, Amount         0
    Stock options exercised, Shares   69,335      
    Stock options exercised, Amount   539       539
    Net earnings     5,793    5,793
    Change in accumulated other comprehensive income, net of tax       2,536 2,536
    Ending Balance, Amount at Dec. 31, 2012 12,524 48,133 31,478 5,612 97,747
    Ending Balance, Shares at Dec. 31, 2012 12,524 5,613,495      
    Preferred stock repurchase, Shares (12,524)        
    Preferred stock repurchase, Amount (12,524)       (12,524)
    Cash dividends declared on Series A preferred stock     (734)   (734)
    Cash dividends declared on common stock     (677)   (677)
    Restricted stock payout, Amount         0
    Net earnings     6,691   6,691
    Change in accumulated other comprehensive income, net of tax       (6,784) (6,784)
    Ending Balance, Amount at Dec. 31, 2013 $ 0 $ 48,133 $ 36,758 $ (1,172) $ 83,719
    Ending Balance, Shares at Dec. 31, 2013 0 5,613,495      
    XML 62 R59.htm IDEA: XBRL DOCUMENT v2.4.0.8
    4. Premises and Equipment (Details) (USD $)
    In Thousands, unless otherwise specified
    Dec. 31, 2013
    Dec. 31, 2012
    Premises And Equipment Details    
    Land $ 3,667 $ 3,657
    Buildings and improvements 15,126 14,815
    Furniture and equipment 16,239 17,660
    Total premises and equipment 35,032 36,132
    Less accumulated depreciation 18,674 20,258
    Total net premises and equipment $ 16,358 $ 15,874
    XML 63 R35.htm IDEA: XBRL DOCUMENT v2.4.0.8
    12. Employee and Director Benefit Programs (Tables)
    		 12 Months Ended
    Dec. 31, 2013
    Compensation and Retirement Disclosure [Abstract]  
    Change in accumulated benefit obligation
    (Dollars in thousands)        
      2013   2012  
             
    Benefit obligation at beginning of period $ 3,382   2,923  
    Service cost   336   430  
    Interest cost   65   89  
    Benefits paid   (142 ) (60 )
    Reversal of excess accrual   (60 ) -    
               
    Benefit obligation at end of period $ 3,581   3,382  
    Amounts recognized in the Consolidated Balance Sheet
    (Dollars in thousands)      
      2013   2012
           
    Benefit obligation $ 3,581   3,382
    Fair value of plan assets   -     -  

     

    (Dollars in thousands)        
      2013   2012  
             
    Funded status $ (3,581 ) (3,382 )
    Unrecognized prior service cost/benefit   -     -    
    Unrecognized net actuarial loss   -     -    
               
    Net amount recognized $ (3,581 ) (3,382 )
               
    Unfunded accrued liability $ (3,581 ) (3,382 )
    Intangible assets   -     -    
               
    Net amount recognized $ (3,581 ) (3,382 )
    Schedule of Net Benefit Costs
    (Dollars in thousands)      
      2013   2012
           
    Service cost $ 336   430
    Interest cost   65   89
             
    Net periodic cost $ 401   519
             
    Weighted average discount rate assumption used to        
    determine benefit obligation   5.46%   5.43%
    Schedule of Expected Benefit Payments
    (Dollars in thousands)  
       
    Year ending December 31,  
    2014 $ 205
    2015 $ 234
    2016 $ 233
    2017 $ 262
    2018 $ 275
    Thereafter $ 8,648
    XML 64 R65.htm IDEA: XBRL DOCUMENT v2.4.0.8
    8. Income Taxes (Details 1) (USD $)
    In Thousands, unless otherwise specified
    		 12 Months Ended
    Dec. 31, 2013
    Dec. 31, 2012
    Dec. 31, 2011
    Income Taxes Details 1      
    Pre-tax income at statutory rate (34%) $ 2,914 $ 2,509 $ 2,251
    Differences:      
    Tax exempt interest income (1,481) (1,168) (1,052)
    Nondeductible interest and other expense 141 52 62
    Cash surrender value of life insurance (147) (149) (101)
    State taxes, net of federal benefits 428 324 233
    Nondeductible capital losses 0 0 49
    Other, net 24 19 21
    Total $ 1,879 $ 1,587 $ 1,463
    XML 65 R22.htm IDEA: XBRL DOCUMENT v2.4.0.8
    15. Other Operating Income and Expense
    		 12 Months Ended
    Dec. 31, 2013
    Other Income and Expenses [Abstract]  
    Other Operating Income and Expense

    Other operating income for the years ended December 31, 2013, 2012 and 2011 included the following items that exceeded one percent of total revenues at some point during the following three-year period:

     

    (Dollars in thousands)          
      2013   2012   2011
    Visa debit card income $ 2,990   2,092   1,783
    Net appraisal management fee income $ 718   737   375
    Insurance and brokerage commissions $ 661   517   471

     

    Other operating expense for the years ended December 31, 2013, 2012 and 2011 included the following items that exceeded one percent of total revenues at some point during the following three-year period:

     

    (Dollars in thousands)          
      2013   2012   2011
    Advertising $ 685   695   660
    FDIC insurance $ 864   894   1,061
    Visa debit card expense $ 823   729   658
    Telephone $ 570   554   605
    Foreclosure/OREO expense $ 356   677   904
    Internet banking expense $ 568   593   509
    FHLB advance prepayment penalty $ 530   -     -   

    XML 66 R36.htm IDEA: XBRL DOCUMENT v2.4.0.8
    13. Regulatory Matters (Tables)
    		 12 Months Ended
    Dec. 31, 2013
    Banking and Thrift [Abstract]  
    Bank's actual capital amounts and ratios
    (Dollars in thousands)                
      Actual  

    For Capital

    Adequacy Purposes

    		  

    To Be Well

    Capitalized Under

    Prompt Corrective

    Action Provisions

                           
      Amount   Ratio   Amount   Ratio   Amount   Ratio
                           
    As of December 31, 2013:                      
                           
    Total Capital (to Risk-Weighted Assets)                      
    Consolidated $ 114,185   16.14%   56,582   8.00%   N/A   N/A
    Bank $ 110,935   15.73%   56,412   8.00%   70,515   10.00%
    Tier 1 Capital (to Risk-Weighted Assets)                        
    Consolidated $ 104,890   14.83%   28,291   4.00%   N/A   N/A
    Bank $ 101,733   14.43%   28,206   4.00%   42,309   6.00%
    Tier 1 Capital (to Average Assets)                        
    Consolidated $ 104,890   10.08%   41,622   4.00%   N/A   N/A
    Bank $ 101,733   9.79%   41,584   4.00%   51,981   5.00%
                             
    As of December 31, 2012:                        
                             
    Total Capital (to Risk-Weighted Assets)                        
    Consolidated $ 121,246   17.34%   55,928   8.00%   N/A   N/A
    Bank $ 117,453   16.84%   55,784   8.00%   69,730   10.00%
    Tier 1 Capital (to Risk-Weighted Assets)                        
    Consolidated $ 112,135   16.04%   27,964   4.00%   N/A   N/A
    Bank $ 108,379   15.54%   27,892   4.00%   41,838   6.00%
    Tier 1 Capital (to Average Assets)                        
    Consolidated $ 112,135   11.12%   40,342   4.00%   N/A   N/A
    Bank $ 108,379   10.76%   40,302   4.00%   50,377   5.00%
    XML 67 R24.htm IDEA: XBRL DOCUMENT v2.4.0.8
    17. Peoples Bancorp of North Carolina, Inc. (Parent Company Only) Condensed Financial Statements
    		 12 Months Ended
    Dec. 31, 2013
    Condensed Financial Information of Parent Company Only Disclosure [Abstract]  
    Peoples Bancorp of North Carolina, Inc. (Parent Company Only) Condensed Financial Statements

    Balance Sheets
           
    December 31, 2013 and 2012
    (Dollars in thousands)
           
    Assets 2013   2012
           
    Cash $ 12,879   324
    Interest-bearing time deposit   -     800
    Investment in subsidiaries   102,113   115,386
    Investment securities available for sale   1,721   1,596
    Other assets   273   260
             
    Total assets $ 116,986   118,366
             
    Liabilities and Shareholders' Equity        
             
    Junior subordinated debentures $ 20,619   20,619
    Liabilities   12,648   -  
    Shareholders' equity   83,719   97,747
             
    Total liabilities and shareholders' equity $ 116,986   118,366

     

    Statements of Earnings
                 
    For the Years Ended December 31, 2013, 2012 and 2011
    (Dollars in thousands)
                 
    Revenues: 2013   2012   2011  
                 
    Interest and dividend income $ 13,576   113   226  
    Impairment of securities   -     -     (144 )
                   
    Total revenues   13,576   113   82  
                   
    Expenses:              
                   
    Interest   398   438   407  
    Other operating expenses   159   476   190  
                   
    Total expenses   557   914   597  
                   
    Income/(Loss) before income tax benefit and equity in              
    undistributed earnings of subsidiaries   13,019   (801 ) (515 )
                   
    Income tax benefit   84   166   56  
                   
    Income/(Loss) before equity in undistributed              
    earnings of subsidiaries   13,103   (635 ) (459 )
                   
    Equity in undistributed earnings of subsidiaries   (6,412 ) 6,428   5,618  
                   
    Net earnings $ 6,691   5,793   5,159  

      

    Statements of Cash Flows  
                 
    For the Years Ended December 31, 2013, 2012 and 2011
    (Dollars in thousands)
                 
      2013   2012   2011  
    Cash flows from operating activities:            
                 
    Net earnings $ 6,691   5,793   5,159  
    Adjustments to reconcile net earnings to net              
    cash used by operating activities:              
    Equity in undistributed earnings of subsidiaries   6,412   (6,428 ) (5,618 )
    Impairment of investment securities   -     -     144  
    Change in:              
    Other assets   (73 ) -     112  
    Accrued income   -     11   (11 )
    Accrued expense   27   41   (216 )
    Other liabilities   12,632   -     -    
                   
    Net cash provided (used by) operating activities   25,689   (583 ) (430 )
                   
    Cash flows from investing activities:              
                   
    Proceeds from maturities of investment securities available for sale   1   -     -    
    Net change in interest-bearing time deposit   800   14,200   2,000  
                   
    Net cash provided by investing activities   801   14,200   2,000  
                   
    Cash flows from financing activities:              
                   
    Cash dividends paid on Series A preferred stock   (734 ) (1,023 ) (1,253 )
    Cash dividends paid on common stock   (677 ) (1,003 ) (443 )
    Preferred stock and warrant repurchase   (12,524 ) (12,122 ) -    
    Restricted stock payout   -     -     17  
    Proceeds from exercise of stock options   -     539   -    
                   
    Net cash used by financing activities   (13,935 ) (13,609 ) (1,679 )
                   
    Net change in cash   12,555   8   (109 )
                   
    Cash at beginning of year   324   316   425  
                   
    Cash at end of year $ 12,879   324   316  
                   
    Noncash investing and financing activities:              
    Change in unrealized gain on investment securities              
     available for sale, net $ 77   (46 ) (3 )

     
    XML 68 R68.htm IDEA: XBRL DOCUMENT v2.4.0.8
    9. Related Party Transactions (Details Narrative) (USD $)
    In Thousands, unless otherwise specified
    Dec. 31, 2013
    Dec. 31, 2012
    Related Party Transactions Details Narrative    
    Related party deposits $ 17,600 $ 13,900
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    Consolidated Statements of Cash Flows (USD $)
    In Thousands, unless otherwise specified
    		 12 Months Ended
    Dec. 31, 2013
    Dec. 31, 2012
    Dec. 31, 2011
    Cash flows from operating activities:      
    Net earnings $ 6,691 $ 5,793 $ 5,159
    Adjustments to reconcile net earnings to net cash provided by operating activities:      
    Depreciation, amortization and accretion 8,453 8,876 6,226
    Provision for loan losses 2,584 4,924 12,632
    Deferred income taxes 534 (213) (678)
    Gain on sale of investment securities (614) (1,218) (4,406)
    Write-down of investment securities 0 0 144
    (Gain)/Loss on sale of other real estate (14) 98 272
    Write-down of other real estate 595 1,038 1,050
    Restricted stock expense 173 42 7
    Change in:      
    Mortgage loans held for sale 6,425 (1,776) (1,332)
    Cash surrender value of life insurance (432) (438) (296)
    Other assets 1,508 (441) 2,644
    Other liabilities 11,542 2,342 930
    Net cash provided (used by) operating activities 37,445 19,027 22,352
    Cash flows from investing activities:      
    Net change in certificates of deposit 0 0 735
    Purchases of investment securities available for sale (98,129) (88,304) (208,863)
    Proceeds from calls, maturities and paydowns of investment securities available for sale 63,597 63,225 54,041
    Proceeds from sales of investment securities available for sale 17,463 47,076 110,978
    Purchases of other investments 0 (493) (215)
    FHLB stock redemption 609 606 290
    Net change in loans (6,137) 38,170 38,561
    Purchases of premises and equipment (2,434) (917) (1,601)
    Purchases of bank owned life insurance 0 0 (5,000)
    Proceeds from sales of other real estate and repossessions 5,797 5,434 3,355
    Net cash (used) provided by investing activities (19,234) 64,797 (7,719)
    Cash flows from financing activities:      
    Net change in deposits 17,836 (45,586) (11,601)
    Net change in demand notes payable to U.S. Treasury 0 0 (1,600)
    Net change in securities sold under agreements to repurchase 10,818 (5,022) 5,506
    Proceeds from FHLB borrowings 15,001 25,400 40,000
    Repayments of FHLB borrowings (20,001) (25,400) (40,000)
    Proceeds from FRB borrowings 1 2 1
    Repayments of FRB borrowings (1) (2) (1)
    Preferred stock and warrant repurchase (12,524) (12,122) 0
    Restricted stock payout 0 0 17
    Stock options exercised 0 539 0
    Cash dividends paid on Series A preferred stock (734) (1,023) (1,253)
    Cash dividends paid on common stock (677) (1,003) (443)
    Net cash provided (used) by financing activities 9,719 (64,217) (9,374)
    Net change in cash and cash equivalents 27,930 19,607 5,259
    Cash and cash equivalents at beginning of period 48,843 29,236 23,977
    Cash and cash equivalents at end of period 76,773 48,843 29,236
    Cash paid during the period for:      
    Interest 5,452 7,822 10,900
    Income taxes 2,256 2,013 283
    Noncash investing and financing activities:      
    Change in unrealized (loss) gain on investment securities available for sale, net (6,784) 2,536 (3,087)
    Change in unrealized gain on derivative financial instruments, net 0 0 398
    Transfers of loans to other real estate and repossessions 2,353 6,323 10,787
    Financed portion of sales of other real estate 708 1,076 5,208
    Accretion of Series A preferred stock 0 70 141
    Discount on preferred stock repurchased $ 0 $ 835 $ 0
    XML 71 R3.htm IDEA: XBRL DOCUMENT v2.4.0.8
    Consolidated Balance Sheets (Parenthetical) (USD $)
    In Thousands, except Share data, unless otherwise specified
    Dec. 31, 2013
    Dec. 31, 2012
    Assets    
    Cash and due from banks, reserve requirements $ 11,472 $ 9,625
    Shareholders' equity:    
    Series A preferred stock, stated value (in dollars per share) $ 1,000 $ 1,000
    Series A preferred stock, shares authorized (in shares) 5,000,000 5,000,000
    Series A preferred stock, shares issued (in shares) 12,524 12,524
    Series A preferred stock, shares outstanding (in shares) 12,524 12,524
    Common stock, par value (in dollars per share) $ 0 $ 0
    Common stock, shares authorized (in shares) 20,000,000 20,000,000
    Common stock, shares issued (in shares) 5,613,495 5,613,495
    Common stock, shares outstanding (in shares) 5,613,495 5,613,495
    XML 72 R17.htm IDEA: XBRL DOCUMENT v2.4.0.8
    10. Commitments and Contingencies
    		 12 Months Ended
    Dec. 31, 2013
    Commitments and Contingencies Disclosure [Abstract]  
    Commitments and Contingencies

    The Company leases various office spaces for banking and operational facilities and equipment under operating lease arrangements. Future minimum lease payments required for all operating leases having a remaining term in excess of one year at December 31, 2013 are as follows:

     

    (Dollars in thousands)  
       
    Year ending December 31,  
    2014 $ 549
    2015   517
    2016   519
    2017   469
    2018   436
    Thereafter   1,253
    Total minimum obligation $ 3,743

     

    Total rent expense was approximately $672,000, $643,000 and $735,000 for the years ended December 31, 2013, 2012 and 2011, respectively.

     

    The Bank is party to financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of its customers.  These financial instruments include commitments to extend credit, standby letters of credit and financial guarantees.  Those instruments involve, to varying degrees, elements of credit risk in excess of the amount recognized in the balance sheet.  The contract amounts of those instruments reflect the extent of involvement the Bank has in particular classes of financial instruments.

     

    The exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit and standby letters of credit and financial guarantees written is represented by the contractual amount of those instruments. The Bank uses the same credit policies in making commitments and conditional obligations as it does for on-balance-sheet instruments.

     

    In most cases, the  Bank requires collateral or other security to support financial instruments with credit risk.

     

    (Dollars in thousands)      
      Contractual Amount
      2013   2012
    Financial instruments whose contract amount represent credit risk:      
           
    Commitments to extend credit $ 146,243   133,919
             
    Standby letters of credit and financial guarantees written $ 4,361   3,297

     

    Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract.  Commitments generally have fixed expiration dates and because they may expire without being drawn upon, the total commitment amount of $150.6 million does not necessarily represent future cash requirements.

     

    Standby letters of credit and financial guarantees written are conditional commitments issued by the Bank to guarantee the performance of a customer to a third party. Those guarantees are primarily issued to businesses in the Bank’s delineated market area. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to customers. The Bank holds real estate, equipment, automobiles and customer deposits as collateral supporting those commitments for which collateral is deemed necessary.

     

    In the normal course of business, the Company is a party (both as plaintiff and defendant) to a number of lawsuits. In the opinion of management and counsel, none of these cases should have a material adverse effect on the financial position of the  Company.

     

    Bancorp and the Bank have employment agreements with certain key employees. The agreements, among other things, include salary, bonus, incentive stock option, and change in control provisions.

     

    The Company has $62.5 million available for the purchase of overnight federal funds from six correspondent financial institutions as of December 31, 2013.
    XML 73 R1.htm IDEA: XBRL DOCUMENT v2.4.0.8
    Document and Entity Information (USD $)
    		 12 Months Ended
    Dec. 31, 2013
    Feb. 28, 2014
    Jun. 30, 2013
    Document And Entity Information      
    Entity Registrant Name PEOPLES BANCORP OF NORTH CAROLINA INC    
    Entity Central Index Key 0001093672    
    Document Type 10-K    
    Document Period End Date Dec. 31, 2013    
    Amendment Flag false    
    Current Fiscal Year End Date --12-31    
    Is Entity a Well-known Seasoned Issuer? No    
    Is Entity a Voluntary Filer? No    
    Is Entity's Reporting Status Current? Yes    
    Entity Filer Category Smaller Reporting Company    
    Entity Public Float     $ 55,780,675
    Entity Common Stock, Shares Outstanding   5,613,495  
    Document Fiscal Period Focus FY    
    Document Fiscal Year Focus 2013    
    XML 74 R18.htm IDEA: XBRL DOCUMENT v2.4.0.8
    11. Derivative Financial Instruments and Hedging Transactions
    		 12 Months Ended
    Dec. 31, 2013
    Notes to Financial Statements  
    Derivative Financial Instruments and Hedging Transactions

    Accounting Policy for Derivative Instruments and Hedging Activities

    The disclosure requirements for derivatives and hedging activities have the intent to provide users of financial statements with an enhanced understanding of: (a) how and why an entity uses derivative instruments, (b) how derivative instruments and related hedged items are accounted for and (c) how derivative instruments and related hedged items affect an entity’s financial position, financial performance, and cash flows.  The disclosure requirements include qualitative disclosures about objectives and strategies for using derivatives, quantitative disclosures about the fair value of and gains and losses on derivative instruments, and disclosures about credit-risk-related contingent features in derivative instruments.

     

    The Company records all derivatives on the balance sheet at fair value.  The accounting for changes in the fair value of derivatives depends on the intended use of the derivative, whether the Company has elected to designate a derivative in a hedging relationship and apply hedge accounting and whether the hedging relationship has satisfied the criteria necessary to apply hedge accounting. Derivatives designated and qualifying as a hedge of the exposure to changes in the fair value of an asset, liability, or firm commitment attributable to a particular risk, such as interest rate risk, are considered fair value hedges. Derivatives designated and qualifying as a hedge of the exposure to variability in expected future cash flows, or other types of forecasted transactions, are considered cash flow hedges. Hedge accounting generally provides for the matching of the timing of gain or loss recognition on the hedging instrument with the recognition of the changes in the fair value of the hedged asset or liability that are attributable to the hedged risk in a fair value hedge or the earnings effect of the hedged forecasted transactions in a cash flow hedge.  The Company may enter into derivative contracts that are intended to economically hedge certain of its risks, even though hedge accounting does not apply or the Company elects not to apply hedge accounting.

     

    Risk Management Objective of Using Derivatives

    The Company has an overall interest rate risk management strategy that incorporates the use of derivative instruments to minimize significant unplanned fluctuations in earnings that are caused by interest rate volatility.  By using derivative instruments, the Company is exposed to credit and market risk.  If the counterparty fails to perform, credit risk is equal to the extent of the fair value gain in the derivative.  The Company minimizes the credit risk in derivative instruments by entering into transactions with high-quality counterparties that are reviewed periodically by the Company.  The Company did not have any interest rate derivatives outstanding as of December 31, 2013 or 2012.

     

    Cash Flow Hedges of Interest Rate Risk

    The Company’s objectives in using interest rate derivatives are to add stability to interest income and expense and to manage its exposure to interest rate movements. To accomplish this objective, the Company primarily uses interest rate swaps and floors as part of its interest rate risk management strategy.  For hedges of the Company’s variable-rate loan assets, interest rate swaps designated as cash flow hedges involve the receipt of fixed-rate amounts from a counterparty in exchange for the Company making variable-rate payments over the life of the agreements without exchange of the underlying notional amount.  For hedges of the Company’s variable-rate loan assets, the interest rate floors designated as a cash flow hedge involves the receipt of variable-rate amounts from a counterparty if interest rates fall below the strike rate on the contract in exchange for an up front premium.  The Company had an interest rate swap contract that expired in June 2011.  The Company did not have any interest rate derivatives outstanding as of December 31, 2013 or 2012.
      

    The effective portion of changes in the fair value of derivatives designated and that qualify as cash flow hedges is recorded in “Accumulated Other Comprehensive Income” and is subsequently reclassified into earnings in the period that the hedged forecasted transaction affects earnings.  The ineffective portion of the change in fair value of the derivatives is recognized directly in earnings.
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    17. Peoples Bancorp of North Carolina, Inc. (Parent Company Only) Condensed Financial Statements (Details) (USD $)
    In Thousands, unless otherwise specified
    		 12 Months Ended
    Dec. 31, 2013
    Dec. 31, 2012
    Dec. 31, 2011
    Assets      
    Interest-bearing time deposit $ 26,871 $ 16,226  
    Investment securities available for sale 297,890 297,823  
    Total assets 1,034,684 1,013,516  
    Liabilities and Shareholders' Equity      
    Junior subordinated debentures 20,619 20,619  
    Liabilities 950,965 915,769  
    Shareholders' equity 83,719 97,747  
    Total liabilities and shareholders' equity 1,034,684 1,013,516  
    Revenues:      
    Interest and dividend income 36,696 39,245 45,259
    Impairment of securities 0 0 (144)
    Expenses:      
    Interest 5,353 7,696 10,946
    Income/(Loss) before income tax benefit and equity in undistributed earnings of subsidiaries 8,570 7,380 6,622
    Income tax benefit 1,879 1,587 1,463
    Net earnings 6,691 5,793 5,159
    Cash flows from operating activities:      
    Net earnings 6,691 5,793 5,159
    Adjustments to reconcile net earnings to net cash used by operating activities:      
    Other than temporary impairment losses 0 0 (144)
    Change in:      
    Other assets (1,508) 441 (2,644)
    Net cash provided (used by) operating activities 37,445 19,027 22,352
    Cash flows from investing activities:      
    Purchases of investment securities available for sale (98,129) (88,304) (208,863)
    Proceeds from maturities of investment securities available for sale 63,597 63,225 54,041
    Net change in interest-bearing time deposit 0 0 735
    Net cash (used) provided by investing activities (19,234) 64,797 (7,719)
    Cash flows from financing activities:      
    Cash dividends paid on Series A preferred stock (734) (1,023) (1,253)
    Restricted stock payout 0 0 17
    Proceeds from exercise of stock options 0 539 0
    Net cash provided (used) by financing activities 9,719 (64,217) (9,374)
    Net change in cash and cash equivalents 27,930 19,607 5,259
    Noncash investing and financing activities:      
    Change in unrealized gain on investment securities available for sale, net 6,784 (2,536) 3,087
    Parent Company
    		      
    Assets      
    Cash 12,879 324 316
    Interest-bearing time deposit 0 800  
    Investment in subsidiaries 102,113 115,386  
    Investment securities available for sale 1,721 1,596  
    Other assets 273 260  
    Total assets 116,986 118,366  
    Liabilities and Shareholders' Equity      
    Junior subordinated debentures 20,619 20,619  
    Liabilities 12,648 0  
    Shareholders' equity 83,719 97,747  
    Total liabilities and shareholders' equity 116,986 118,366  
    Revenues:      
    Interest and dividend income 13,576 113 226
    Impairment of securities 0 0 (144)
    Total revenues 13,576 113 82
    Expenses:      
    Interest 398 438 407
    Other operating expenses 159 476 190
    Total expenses 557 914 597
    Income/(Loss) before income tax benefit and equity in undistributed earnings of subsidiaries 13,019 (801) (515)
    Income tax benefit 84 166 56
    Income/(Loss) before equity in undistributed earnings of subsidiaries 13,103 (635) (459)
    Equity in undistributed earnings of subsidiaries (6,412) 6,428 5,618
    Net earnings 6,691 5,793 5,159
    Cash flows from operating activities:      
    Net earnings 6,691 5,793 5,159
    Adjustments to reconcile net earnings to net cash used by operating activities:      
    Equity in undistributed earnings of subsidiaries 6,412 (6,428) (5,618)
    Other than temporary impairment losses 0 0 (144)
    Change in:      
    Other assets (73) 0 112
    Accrued income 0 11 (11)
    Accrued expense 27 41 (216)
    Other liabilities 12,632 0 0
    Net cash provided (used by) operating activities 25,689 (583) (430)
    Cash flows from investing activities:      
    Proceeds from maturities of investment securities available for sale 1 0 0
    Net change in interest-bearing time deposit 800 14,200 2,000
    Net cash (used) provided by investing activities 801 14,200 2,000
    Cash flows from financing activities:      
    Cash dividends paid on Series A preferred stock (734) (1,023) (1,253)
    Cash dividends paid on common stock (677) (1,003) (443)
    Preferred stock and warrant repurchase (12,524) (12,122) 0
    Restricted stock payout 0 0 17
    Proceeds from exercise of stock options 0 539 0
    Net cash provided (used) by financing activities (13,935) (13,609) (1,679)
    Net change in cash and cash equivalents 12,555 8 (109)
    Cash at beginning of year 324 316 425
    Cash at end of year 12,879 324 316
    Noncash investing and financing activities:      
    Change in unrealized gain on investment securities available for sale, net $ 77 $ (46) $ (3)
    XML 76 R4.htm IDEA: XBRL DOCUMENT v2.4.0.8
    Consolidated Statements of Earnings (USD $)
    In Thousands, except Per Share data, unless otherwise specified
    		 12 Months Ended
    Dec. 31, 2013
    Dec. 31, 2012
    Dec. 31, 2011
    Interest income:      
    Interest and fees on loans $ 30,194 $ 32,758 $ 36,374
    Interest on due from banks 85 51 33
    Interest on investment securities:      
    U.S. Government sponsored enterprises 1,639 2,746 5,414
    States and political subdivisions 4,427 3,403 3,180
    Other 351 287 258
    Total interest income 36,696 39,245 45,259
    Interest expense:      
    NOW, MMDA & savings deposits 732 1,180 2,263
    Time deposits 1,650 3,205 5,035
    FHLB borrowings 2,518 2,744 2,956
    Junior subordinated debentures 398 438 407
    Other 55 129 285
    Total interest expense 5,353 7,696 10,946
    Net interest income 31,343 31,549 34,313
    Provision for loan losses 2,584 4,924 12,632
    Net interest income after provision for loan losses 28,759 26,625 21,681
    Non-interest income:      
    Service charges 4,566 4,764 5,106
    Other service charges and fees 1,172 1,940 2,090
    Other than temporary impairment losses 0 0 (144)
    Gain on sale of securities 614 1,218 4,406
    Mortgage banking income 1,228 1,229 757
    Insurance and brokerage commissions 661 517 471
    Loss on sale and write-down of other real estate (581) (1,136) (1,322)
    Miscellaneous 4,992 4,005 3,149
    Total non-interest income 12,652 12,537 14,513
    Non-interest expense:      
    Salaries and employee benefits 16,851 16,426 14,766
    Occupancy 5,539 5,236 5,339
    Other 10,451 10,120 9,467
    Total non-interest expense 32,841 31,782 29,572
    Earnings before income taxes 8,570 7,380 6,622
    Income tax expense 1,879 1,587 1,463
    Net earnings 6,691 5,793 5,159
    Dividends and accretion on preferred stock 656 1,010 1,393
    Net earnings available to common shareholders $ 6,035 $ 4,783 $ 3,766
    Basic net earnings per common share $ 1.08 $ 0.86 $ 0.68
    Diluted net earnings per common share $ 1.07 $ 0.86 $ 0.68
    Cash dividends declared per common share $ 0.12 $ 0.18 $ 0.08
    XML 77 R12.htm IDEA: XBRL DOCUMENT v2.4.0.8
    5. Time Deposits
    		 12 Months Ended
    Dec. 31, 2013
    Banking and Thrift [Abstract]  
    Time Deposits

    At December 31, 2013, the scheduled maturities of time deposits are as follows:

     

    (Dollars in thousands)  
       
    2014 $ 127,036
    2015   48,913
    2016   22,318
    2017   10,155
    2018 and thereafter   8,781
         
    Total $ 217,203

     

    At December 31, 2013 and 2012, the Company had approximately $15.1 million and $21.4 million, respectively, in time deposits purchased through third party brokers, including certificates of deposit participated through the Certificate of Deposit Account Registry Service (“CDARS”) on behalf of local customers.  CDARS balances totaled $15.1 million and $20.1 million as of December 31, 2013 and 2012, respectively.  The weighted average rate of brokered deposits as of December 31, 2013 and 2012 was 0.14% and 0.29%, respectively.
    XML 78 R11.htm IDEA: XBRL DOCUMENT v2.4.0.8
    4. Premises and Equipment
    		 12 Months Ended
    Dec. 31, 2013
    Property, Plant and Equipment [Abstract]  
    Premises and Equipment

    Major classifications of premises and equipment are summarized as follows:

     

    (Dollars in thousands)      
      2013   2012
           
    Land $ 3,667   3,657
    Buildings and improvements   15,126   14,815
    Furniture and equipment   16,239   17,660
             
    Total premises and equipment   35,032   36,132
             
    Less accumulated depreciation   18,674   20,258
             
    Total net premises and equipment $ 16,358   15,874

     

    Depreciation expense was approximately $1.9 million for the years ended December 31, 2013 and 2012.  The Company recognized approximately $2.0 million in depreciation expense for the year ended December 31, 2011.
    XML 79 R23.htm IDEA: XBRL DOCUMENT v2.4.0.8
    16. Fair Value of Financial Instruments
    		 12 Months Ended
    Dec. 31, 2013
    Fair Value Disclosures [Abstract]  
    Fair Value of Financial Instruments

    The Company is required to disclose fair value information about financial instruments, whether or not recognized on the face of the balance sheet, for which it is practicable to estimate that value. The assumptions used in the estimation of the fair value of the Company’s financial instruments are detailed below. Where quoted prices are not available, fair values are based on estimates using discounted cash flows and other valuation techniques. The use of discounted cash flows can be significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. The following disclosures should not be considered a surrogate of the liquidation value of the Company, but rather a good faith estimate of the increase or decrease in the value of financial instruments held by the Company since purchase, origination, or issuance.

     

    The Company groups assets and liabilities at fair value in three levels, based on the markets in which the assets and liabilities are traded and the reliability of the assumptions used to determine fair value.  These levels are:

     

    ·   Level 1 – Valuation is based upon quoted prices for identical instruments traded in active markets.

     

    ·   Level 2 – Valuation is based upon quoted prices for similar instruments in active markets, quoted prices for identical or similar instruments in markets that are not active, and model-based valuation techniques for which all significant assumptions are observable in the market.

     

    ·   Level 3 – Valuation is generated from model-based techniques that use at least one significant assumption not observable in the market.  These unobservable assumptions reflect estimates of assumptions that market participants would use in pricing the asset or liability.  Valuation techniques include use of option pricing models, discounted cash flow models and similar techniques.

     

    Cash and Cash Equivalents

    For cash, due from banks and interest-bearing deposits, the carrying amount is a reasonable estimate of fair value.  Cash and cash equivalents are reported in the Level 1 fair value category.

     

    Investment Securities Available for Sale

    Fair values of investment securities available for sale are determined by obtaining quoted prices on nationally recognized securities exchanges when available.  If quoted prices are not available, fair value is determined using matrix pricing, which is a mathematical technique used widely in the industry to value debt securities without relying exclusively on quoted prices for the specific securities but rather by relying on the securities’ relationship to other benchmark quoted securities.  Fair values for investment securities with quoted market prices are reported in the Level 1 fair value category.  Fair value measurements obtained from independent pricing services are reported in the Level 2 fair value category. All other fair value measurements are reported in the Level 3 fair value category.

     

    Other Investments

    For other investments, the carrying value is a reasonable estimate of fair value.  Other investments are reported in the Level 3 fair value category.

     

    Mortgage Loans Held for Sale

    Mortgage loans held for sale are carried at lower of aggregate cost or market value.  The cost of mortgage loans held for sale approximates the market value.  Mortgage loans held for sale are reported in the Level 3 fair value category.

     

    Loans

    The fair value of fixed rate loans is estimated by discounting the future cash flows using the current rates at which similar loans would be made to borrowers with similar credit ratings. For variable rate loans, the carrying amount is a reasonable estimate of fair value.  Loans are reported in the Level 3 fair value category, as the pricing of loans is more subjective than the pricing of other financial instruments.

     

    Cash Surrender Value of Life Insurance

    For cash surrender value of life insurance, the carrying value is a reasonable estimate of fair value.  Cash surrender value of life insurance is reported in the Level 2 fair value category.

     

    Other Real Estate

    The fair value of other real estate is based upon independent market prices, appraised values of the collateral or management’s estimation of the value of the collateral.  Other real estate is reported in the Level 3 fair value category.

     

    Deposits

    The fair value of demand deposits, interest-bearing demand deposits and savings is the amount payable on demand at the reporting date. The fair value of certificates of deposit is estimated by discounting the future cash flows using the rates currently offered for deposits of similar remaining maturities.  Deposits are reported in the Level 2 fair value category.

     

    Securities Sold Under Agreements to Repurchase

    For securities sold under agreements to repurchase, the carrying value is a reasonable estimate of fair value.  Securities sold under agreements to repurchase are reported in the Level 2 fair value category.

     

    FHLB Borrowings

    The fair value of FHLB borrowings is estimated based upon discounted future cash flows using a discount rate comparable to the current market rate for such borrowings.  FHLB borrowings are reported in the Level 2 fair value category.

     

    Junior Subordinated Debentures

    Because the Company’s junior subordinated debentures were issued at a floating rate, the carrying amount is a reasonable estimate of fair value.  Junior subordinated debentures are reported in the Level 2 fair value category.

     

    Commitments to Extend Credit and Standby Letters of Credit

    Commitments to extend credit and standby letters of credit are generally short-term and at variable interest rates. Therefore, both the carrying value and estimated fair value associated with these instruments are immaterial.

     

    Limitations

    Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company’s entire holdings of a particular financial instrument. Because no market exists for a significant portion of the Company’s financial instruments, fair value estimates are based on many judgments. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with precision. Changes in assumptions could significantly affect the estimates.

     

    Fair value estimates are based on existing on and off-balance sheet financial instruments without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments. Significant assets and liabilities that are not considered financial instruments include deferred income taxes and premises and equipment. In addition, the tax ramifications related to the realization of unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in the estimates.

     

    The carrying amount and estimated fair value of the Company’s financial instruments at December 31, 2013 and 2012 are as follows:

     

    (Dollars in thousands)                  
          Fair Value Measurements at December 31, 2013
     

    Carrying

    Amount

    		   Level 1   Level 2   Level 3   Total
    Assets:                  
    Cash and cash equivalents $ 76,773   76,773   -   -   76,773
    Investment securities available for sale   297,890   1,689   294,951   1,250   297,890
    Other investments   4,990   -   -   4,990   4,990
    Mortgage loans held for sale   497   -   -   497   497
    Loans, net   607,459   -   -   612,132   612,132
    Cash surrender value of life insurance   13,706   -   13,706   -   13,706
                         
    Liabilities:                    
    Deposits $ 799,361   -   798,460   -   798,460
    Securities sold under agreements                    
    to repurchase   45,396   -   45,396   -   45,396
    FHLB borrowings   65,000   -   65,891   -   65,891
    Junior subordinated debentures   20,619   -   20,619   -   20,619
                         
                         
    (Dollars in thousands)                    
            Fair Value Measurements at December 31, 2012
     

    Carrying

    Amount

    		   Level 1   Level 2   Level 3   Total
    Assets:                    
    Cash and cash equivalents $ 48,843   48,843   -   -   48,843
    Investment securities available for sale   297,823   1,468   295,105   1,250   297,823
    Other investments   5,599   -   -   5,599   5,599
    Mortgage loans held for sale   6,922   -   -   6,922   6,922
    Loans, net   605,551   -   -   599,996   599,996
    Cash surrender value of life insurance   13,273   -   13,273   -   13,273
                         
    Liabilities:                    
    Deposits $ 781,525   -   780,662   -   780,662
    Securities sold under agreements                    
    to repurchase   34,578   -   34,578   -   34,578
    FHLB borrowings   70,000   -   76,375   -   76,375
    Junior subordinated debentures   20,619   -   20,619   -   20,619
    XML 80 R19.htm IDEA: XBRL DOCUMENT v2.4.0.8
    12. Employee and Director Benefit Programs
    		 12 Months Ended
    Dec. 31, 2013
    Compensation and Retirement Disclosure [Abstract]  
    Employee and Director Benefit Programs

    The Company has a profit sharing and 401(k) plan for the benefit of substantially all employees subject to certain minimum age and service requirements. Under the 401(k) plan, the Company matched employee contributions to a maximum of 4.00% of annual compensation in 2013, 3.50% of annual compensation in 2012 and 2.50% of annual compensation in 2011.  The Company’s contribution pursuant to this formula was approximately $430,000, $345,000 and $219,000 for the years 2013, 2012 and 2011, respectively.  Investments of the 401(k) plan are determined by a committee comprised of senior management .  No investments in Company stock have been made by the 401(k) plan. The vesting schedule for the 401(k) plan begins at 20 percent after two years of employment and graduates 20 percent each year until reaching 100 percent after six years of employment.

     

    In December 2001, the Company initiated a postretirement benefit plan to provide retirement benefits to key officers and its Board of Directors and to provide death benefits for their designated beneficiaries.  Under the postretirement benefit plan, the Company purchased life insurance contracts on the lives of the key officers and each director.  The increase in cash surrender value of the contracts constitutes the Company’s contribution to the postretirement benefit plan each year.  Postretirement benefit plan participants are to be paid annual benefits for a specified number of years commencing upon retirement. Expenses incurred for benefits relating to the postretirement benefit plan were approximately $395,000, $546,000 and $355,000 for the years 2013, 2012 and 2011, respectively.

     

    The Company is currently paying medical benefits for certain retired employees. Postretirement medical benefits expense, including amortization of the transition obligation, as applicable, was approximately $24,000 and $23,000 for the years ended December 31, 2012 and 2011, respectively.   The Company did not incur any postretirement medical benefits expense due to an over accrual reversal in 2013.

     

    The following table sets forth the change in the accumulated benefit obligation for the Company’s two postretirement benefit plans described above:

     

    (Dollars in thousands)        
      2013   2012  
             
    Benefit obligation at beginning of period $ 3,382   2,923  
    Service cost   336   430  
    Interest cost   65   89  
    Benefits paid   (142 ) (60 )
    Reversal of excess accrual   (60 ) -    
               
    Benefit obligation at end of period $ 3,581   3,382  

     

    The amounts recognized in the Company’s Consolidated Balance Sheet as of December 31, 2013 and 2012 are shown in the following two tables:

     

    (Dollars in thousands)      
      2013   2012
           
    Benefit obligation $ 3,581   3,382
    Fair value of plan assets   -     -  

     

    (Dollars in thousands)        
      2013   2012  
             
    Funded status $ (3,581 ) (3,382 )
    Unrecognized prior service cost/benefit   -     -    
    Unrecognized net actuarial loss   -     -    
               
    Net amount recognized $ (3,581 ) (3,382 )
               
    Unfunded accrued liability $ (3,581 ) (3,382 )
    Intangible assets   -     -    
               
    Net amount recognized $ (3,581 ) (3,382 )

     

    Net periodic benefit cost of the Company’s post retirement benefit plans for the years ended December 31, 2013 and 2012 consisted of the following:

     

    (Dollars in thousands)      
      2013   2012
           
    Service cost $ 336   430
    Interest cost   65   89
             
    Net periodic cost $ 401   519
             
    Weighted average discount rate assumption used to        
    determine benefit obligation   5.46%   5.43%

     

    The Company paid benefits under the two postretirement plans totaling $142,000 and $60,000 during the years ended December 31, 2013 and 2012, respectively.  Information about the expected benefit payments for the Company’s two postretirement benefit plans is as follows:

     

    (Dollars in thousands)  
       
    Year ending December 31,  
    2014 $ 205
    2015 $ 234
    2016 $ 233
    2017 $ 262
    2018 $ 275
    Thereafter $ 8,648
    XML 81 R15.htm IDEA: XBRL DOCUMENT v2.4.0.8
    8. Income Taxes
    		 12 Months Ended
    Dec. 31, 2013
    Income Tax Disclosure [Abstract]  
    Income Taxes

    The provision for income taxes is summarized as follows:

     

    (Dollars in thousands)            
      2013   2012   2011  
    Current $ 1,345   1,800   2,141  
    Deferred   534   (213 ) (678 )
    Total $ 1,879   1,587   1,463  

     

    The differences between the provision for income taxes and the amount computed by applying the statutory federal income tax rate to earnings before income taxes are as follows:

     

    (Dollars in thousands)            
      2013   2012   2011  
    Pre-tax income at statutory rate (34%) $ 2,914   2,509   2,251  
    Differences:              
    Tax exempt interest income   (1,481 ) (1,168 ) (1,052 )
    Nondeductible interest and other expense   141   52   62  
    Cash surrender value of life insurance   (147 ) (149 ) (101 )
    State taxes, net of federal benefits   428   324   233  
    Nondeductible capital losses   -     -     49  
    Other, net   24   19   21  
    Total $ 1,879   1,587   1,463  

     

    The following summarizes the tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities.  The net deferred tax asset is included as a component of other assets at December 31, 2013 and 2012.

     

    (Dollars in thousands)      
      2013   2012
    Deferred tax assets:      
    Allowance for loan losses $ 5,205   5,560
    Accrued retirement expense   1,489   1,409
    Other real estate   218   628
    Other   413   362
    Unrealized loss on available for sale securities   747   -  
    Total gross deferred tax assets   8,072   7,959
             
    Deferred tax liabilities:        
    Deferred loan fees   581   794
    Premises and equipment   530   417
    Unrealized gain on available for sale securities   -     3,581
    Total gross deferred tax liabilities   1,111   4,792
    Net deferred tax asset $ 6,961   3,167
    XML 82 R60.htm IDEA: XBRL DOCUMENT v2.4.0.8
    4. Premises and Equipment (Details Narrative) (USD $)
    In Thousands, unless otherwise specified
    		 12 Months Ended
    Dec. 31, 2013
    Dec. 31, 2012
    Dec. 31, 2011
    Premises And Equipment Details Narrative      
    Depreciation expense $ 1,900 $ 1,900 $ 2,000
    XML 83 R13.htm IDEA: XBRL DOCUMENT v2.4.0.8
    6. Federal Home Loan Bank and Federal Reserve Bank Borrowings
    		 12 Months Ended
    Dec. 31, 2013
    Banking and Thrift [Abstract]  
    Federal Home Loan Bank and Federal Reserve Bank Borrowings

    The Bank has borrowings from the FHLB with monthly or quarterly interest payments at December 31, 2013.  The FHLB borrowings are collateralized by a blanket assignment on all residential first mortgage loans, home equity lines of credit and loans secured by multi-family real estate that the Bank owns.  At December 31, 2013, the carrying value of loans pledged as collateral totaled approximately $132.9 million.  As additional collateral, the Bank has pledged securities to the FHLB.  At December 31, 2013, the market value of securities pledged to the FHLB totaled $17.3 million.

     

    Borrowings from the FHLB outstanding at December 31, 2013 consist of the following:

     

    (Dollars in thousands)      
             
    Maturity Date Call Date Rate Rate Type Amount
             
    March 25, 2019 N/A 4.260% Convertible   5,000
               
    November 12, 2014 N/A 2.230% Fixed Rate Hybrid   5,000
               
    October 17, 2016 N/A 3.734% Adjustable Rate Hybrid   5,000
               
    October 17, 2018 N/A 3.414% Adjustable Rate Hybrid   5,000
               
    October 17, 2018 N/A 3.654% Adjustable Rate Hybrid   15,000
               
    October 17, 2018 N/A 3.429% Adjustable Rate Hybrid   5,000
               
    October 17, 2018 N/A 3.484% Adjustable Rate Hybrid   5,000
               
    May 8, 2018 N/A 1.799% Floating to Fixed   5,000
               
    May 8, 2018 N/A 3.439% Floating to Fixed   15,000
               
            $ 65,000

     

    The Bank is required to purchase and hold certain amounts of FHLB stock in order to obtain FHLB borrowings. No ready market exists for the FHLB stock, and it has no quoted market value. The stock is redeemable at $100 per share subject to certain limitations set by the FHLB. The Bank owned $4.1 million and $4.7 million of FHLB stock at December 31, 2013 and 2012, respectively.

     

    As of December 31, 2013 and 2012, the Bank had no borrowings from the Federal Reserve Bank (“FRB”).  FRB borrowings are collateralized by a blanket assignment on all qualifying loans that the Bank owns which are not pledged to the FHLB.  At December 31, 2013, the carrying value of loans pledged as collateral totaled approximately $315.2 million.
    XML 84 R14.htm IDEA: XBRL DOCUMENT v2.4.0.8
    7. Junior Subordinated Debentures
    		 12 Months Ended
    Dec. 31, 2013
    Brokers and Dealers [Abstract]  
    Junior Subordinated Debentures

    In June 2006, the Company formed a second wholly-owned Delaware statutory trust, PEBK Capital Trust II (“PEBK Trust II”), which issued $20.0 million of guaranteed preferred beneficial interests in the Company’s junior subordinated deferrable interest debentures.  All of the common securities of PEBK Trust II are owned by the Company.  The proceeds from the issuance of the common securities and the trust preferred securities were used by PEBK Trust II to purchase $20.6 million of junior subordinated debentures of the Company.  The proceeds received by the Company from the sale of the junior subordinated debentures were used to repay in December 2006 the trust preferred securities issued in December 2001 by PEBK Capital Trust, a wholly-owned Delaware statutory trust of the Company, and for general purposes.  The debentures represent the sole assets of PEBK Trust II.  PEBK Trust II is not included in the consolidated financial statements.

     

    The trust preferred securities issued by PEBK Trust II accrue and pay interest quarterly at a floating rate of three-month LIBOR plus 163 basis points.  The Company has guaranteed distributions and other payments due on the trust preferred securities to the extent PEBK Trust II does not have funds with which to make the distributions and other payments.  The net combined effect of all the documents entered into in connection with the trust preferred securities is that the Company is liable to make the distributions and other payments required on the trust preferred securities.

     

    These trust preferred securities are mandatorily redeemable upon maturity of the debentures on June 28, 2036, or upon earlier redemption as provided in the indenture.  The Company has the right to redeem the debentures purchased by PEBK Trust II, in whole or in part, which became effective on June 28, 2011.  As specified in the indenture, if the debentures are redeemed prior to maturity, the redemption price will be the principal amount plus any accrued but unpaid interest.
    XML 85 R16.htm IDEA: XBRL DOCUMENT v2.4.0.8
    9. Related Party Transactions
    		 12 Months Ended
    Dec. 31, 2013
    Related Party Transactions [Abstract]  
    Related Party Transactions

    The Company conducts transactions with its directors and executive officers, including companies in which they have beneficial interests, in the normal course of business. It is the policy of the  Bank that loan transactions with directors and officers are made on substantially the same terms as those prevailing at the time made for comparable loans to other persons. The following is a summary of activity for related party loans for 2013:

     

    (Dollars in thousands)    
         
    Beginning balance $ 5,385  
    New loans   3,409  
    Repayments   (4,454 )
           
    Ending balance $ 4,340  

     

    At December 31, 2013 and 2012, the Bank had deposit relationships with related parties of approximately $17.6 million and $13.9 million, respectively.
    XML 86 R64.htm IDEA: XBRL DOCUMENT v2.4.0.8
    8. Income Taxes (Details) (USD $)
    In Thousands, unless otherwise specified
    		 12 Months Ended
    Dec. 31, 2013
    Dec. 31, 2012
    Dec. 31, 2011
    Income Taxes Details      
    Current $ 1,345 $ 1,800 $ 2,141
    Deferred 534 (213) (678)
    Total $ 1,879 $ 1,587 $ 1,463
    XML 87 R66.htm IDEA: XBRL DOCUMENT v2.4.0.8
    8. Income Taxes (Details 2) (USD $)
    In Thousands, unless otherwise specified
    Dec. 31, 2013
    Dec. 31, 2012
    Deferred tax assets:    
    Allowance for loan losses $ 5,205 $ 5,560
    Accrued retirement expense 1,489 1,409
    Other real estate 218 628
    Other 413 362
    Unrealized loss on available for sale securities 747 0
    Total gross deferred tax assets 8,072 7,959
    Deferred tax liabilities:    
    Deferred loan fees 581 794
    Premises and equipment 530 417
    Unrealized gain on available for sale securities 0 3,581
    Total gross deferred tax liabilities 1,111 4,792
    Net deferred tax asset $ 6,961 $ 3,167
    XML 88 R63.htm IDEA: XBRL DOCUMENT v2.4.0.8
    6. Federal Home Loan Bank and Federal Reserve Bank Borrowings (Details Narrative) (USD $)
    In Thousands, unless otherwise specified
    Dec. 31, 2013
    Dec. 31, 2012
    Federal Home Loan Bank And Federal Reserve Bank Borrowings Details Narrative    
    Loans pledged as collateral to the FHLB $ 132,900  
    Market value of securities pledged to the FHLB 17,300  
    FLHB stock owned 4,100 4,700
    Carrying values of loans pledged as collateral to the FHLB 132,900  
    Carrying value of loans pledged as collateral to the FRB $ 315,200  
    XML 89 R34.htm IDEA: XBRL DOCUMENT v2.4.0.8
    10. Commitments and Contingencies (Tables)
    		 12 Months Ended
    Dec. 31, 2013
    Commitments and Contingencies Disclosure [Abstract]  
    Future Minimum Rental Payments for Operating Leases
    (Dollars in thousands)  
       
    Year ending December 31,  
    2014 $ 549
    2015   517
    2016   519
    2017   469
    2018   436
    Thereafter   1,253
    Total minimum obligation $ 3,743
    Financial instruments with credit risk
    (Dollars in thousands)      
      Contractual Amount
      2013   2012
    Financial instruments whose contract amount represent credit risk:      
           
    Commitments to extend credit $ 146,243   133,919
             
    Standby letters of credit and financial guarantees written $ 4,361   3,297
    XML 90 R51.htm IDEA: XBRL DOCUMENT v2.4.0.8
    3. Loans, Nonaccrual (Details) (USD $)
    In Thousands, unless otherwise specified
    Dec. 31, 2013
    Dec. 31, 2012
    Non-accrual loans    
    Non-accrual loans $ 13,836 $ 17,630
    Construction and land development
    		    
    Non-accrual loans    
    Non-accrual loans 6,546 9,253
    Single-family residential
    		    
    Non-accrual loans    
    Non-accrual loans 2,980 2,491
    Single-family residential - Banco de la Gente stated income
    		    
    Non-accrual loans    
    Non-accrual loans 1,990 2,232
    Commercial Real Estate
    		    
    Non-accrual loans    
    Non-accrual loans 2,043 3,263
    Total real estate loans
    		    
    Non-accrual loans    
    Non-accrual loans 13,559 17,239
    Commercial loans (not secured by real estate)
    		    
    Non-accrual loans    
    Non-accrual loans 250 344
    Consumer loans (not secured by real estate)
    		    
    Non-accrual loans    
    Non-accrual loans $ 27 $ 47
    XML 91 R21.htm IDEA: XBRL DOCUMENT v2.4.0.8
    14. Shareholders' Equity
    		 12 Months Ended
    Dec. 31, 2013
    Equity [Abstract]  
    Shareholders' Equity

    Shareholders’ equity was $83.7 million as of December 31, 2013, compared to $97.7 million as of December 31, 2012.  This decrease reflects the Company’s repurchase and redemption of its Series A preferred stock combined with a reduction in accumulated other comprehensive income resulting from a decrease in the unrealized gain on investment securities.  The Company received regulatory approval in December 2013 to repurchase and redeem the remaining 12,524 outstanding shares of its Series A preferred stock.  The repurchase and redemption was completed on January 17, 2014 and is reflected on the Company’s Consolidated Balance Sheets as of December 31, 2013.   “Accrued interest payable and other liabilities” at December 31, 2013 includes $12.6 million for the payment to preferred shareholders of principal and accrued dividends on January 17, 2014.

     

    During 2012, the Company purchased 12,530 shares of the Company’s 25,054 outstanding shares of Series A preferred stock from the UST.  The shares were purchased for $933.36 per share, for a total purchase price of $11,778,576, including $83,575 accrued and unpaid dividends on the Series A preferred stock.  The Company retired the 12,530 shares purchased.  The $834,999 difference between the $12,530,000 face value of the Series A preferred stock retired and the $11,695,001 purchase price of the Series A preferred stock retired was credited to retained earnings effective June 30, 2012.

     

    During 2012, the Company completed its repurchase of the Warrant to purchase 357,234 shares of the Company’s common stock that was issued to the UST.  The Company repurchased the Warrant for a total price of $425,000.

     

    The Board of Directors, at its discretion, can issue shares of preferred stock up to a maximum of 5,000,000 shares. The Board of Directors is authorized to determine the number of shares, voting powers, designations, preferences, limitations and relative rights.
    XML 92 R26.htm IDEA: XBRL DOCUMENT v2.4.0.8
    1. Summary of Significant Accounting Policies (Tables)
    		 12 Months Ended
    Dec. 31, 2013
    Summary Of Significant Accounting Policies Tables  
    Stock Option Activity
    Stock Option Activity
    For the Years Ended December 31, 2013, 2012 and 2011
                     
      Shares  

    Weighted

    Average Option

    Price Per Share

    		  

    Weighted Average Remaining

    Contractual Term (in

    years)

    		    

    Aggregate

    Intrinsic

    Value

    (Dollars in

    thousands)

    Outstanding, December 31, 2010 150,071   $ 8.32          
                       
    Granted during the period -     $ -            
    Expired during the period (71,054 ) $ 8.71          
    Forfeited during the period -     $ -            
    Exercised during the period -     $ -            
                       
    Outstanding, December 31, 2011 79,017   $ 7.97          
                       
    Granted during the period -   $ -            
    Expired during the period -   $ -            
    Forfeited during the period (6,052 ) $ 8.89          
    Exercised during the period (69,335 ) $ 7.77          
                       
    Outstanding, December 31, 2012 3,630   $ 10.31          
                       
    Granted during the period -     $ -            
    Expired during the period -     $ -            
    Forfeited during the period -     $ -            
    Exercised during the period -     $ -            
                       
    Outstanding, December 31, 2013 3,630   $ 10.31                               0.35   $         14.05
                       
    Exercisable, December 31, 2013 3,630   $ 10.31                               0.35   $       14.05
    Reconciliations of the amounts used in the computation of both basic earnings per common share and diluted earnings per common share

     

    For the year ended December 31, 2013: Net Earnings Available to Common Shareholders (Dollars in thousands)  

    Common

    Shares

    		   Per Share Amount
    Basic earnings per common share $ 6,035   5,613,495   $ 1.08
    Effect of dilutive securities:              
    Stock options   -     9,725      
    Diluted earnings per common share $ 6,035   5,623,220   $ 1.07

     

    For the year ended December 31, 2012: Net Earnings Available to Common Shareholders (Dollars in thousands)  

    Common

    Shares

    Per Share

    Amount

    Basic earnings per common share $ 4,783   5,559,401   $ 0.86
    Effect of dilutive securities:              
    Stock options   -     3,206      
    Diluted earnings per common share $ 4,783   5,562,607   $ 0.86
                   
    For the year ended December 31, 2011: Net Earnings Available to Common Shareholders (Dollars in thousands)  

    Common

    Shares

    Per Share

    Amount

    Basic earnings per common share $ 3,766   5,542,548   $ 0.68
    Effect of dilutive securities:              
    Stock options   -     1,301      
    Diluted earnings per common share $ 3,766   5,543,849   $ 0.68
    XML 93 R49.htm IDEA: XBRL DOCUMENT v2.4.0.8
    3. Loans (Details) (USD $)
    In Thousands, unless otherwise specified
    Dec. 31, 2013
    Dec. 31, 2012
    Dec. 31, 2011
    Dec. 31, 2010
    Major classifications        
    Total Loans $ 620,960 $ 619,974 $ 670,497  
    Less allowance for loan losses 13,501 14,423 16,604 15,493
    Net loans 607,459 605,551    
    Construction and land development
    		        
    Major classifications        
    Total Loans 63,742 73,176 93,812  
    Less allowance for loan losses 3,218 4,399 7,182 5,774
    Single-family residential
    		        
    Major classifications        
    Total Loans 195,975 195,003 212,993  
    Less allowance for loan losses 3,123 3,231 3,253 3,992
    Single-family residential - Banco de la Gente stated income
    		        
    Major classifications        
    Total Loans 49,463 52,019 54,058  
    Less allowance for loan losses 1,863 1,998 2,104 2,105
    Commercial Real Estate
    		        
    Major classifications        
    Total Loans 209,287 200,633 214,415  
    Less allowance for loan losses 2,219 2,049 1,731 1,409
    Multifamily and Farmland
    		        
    Major classifications        
    Total Loans 11,801 8,951 4,793  
    Less allowance for loan losses 37 28 13 17
    Total real estate loans
    		        
    Major classifications        
    Total Loans 530,268 529,782    
    Commercial loans (not secured by real estate)
    		        
    Major classifications        
    Total Loans 68,047 64,295 60,646  
    Less allowance for loan losses 1,069 1,088 1,029 1,174
    Farm loans (not secured by real estate)
    		        
    Major classifications        
    Total Loans 19 11 0  
    Less allowance for loan losses 0 0 0 0
    Consumer loans (not secured by real estate)
    		        
    Major classifications        
    Total Loans 9,593 10,148    
    All other loans (not secured by real estate)
    		        
    Major classifications        
    Total Loans $ 13,033 $ 15,738    
    XML 94 R41.htm IDEA: XBRL DOCUMENT v2.4.0.8
    1. Summary of Significant Accounting Policies (Details 1) (USD $)
    In Thousands, except Share data, unless otherwise specified
    		 12 Months Ended
    Dec. 31, 2013
    Dec. 31, 2012
    Dec. 31, 2011
    Net Earnings Available to Common Shareholders      
    Basic earnings $ 6,035 $ 4,783 $ 3,766
    Effect of dilutive securities: Stock options 0 0 0
    Diluted earnings $ 6,035 $ 4,783 $ 3,766
    Common Shares      
    Basic earnings per common share (in shares) 5,613,495 5,559,401 5,542,548
    Effect of dilutive securities: Stock options (in shares) 9,725 3,206 1,301
    Diluted earnings per common share (in shares) 5,623,220 5,562,607 5,543,849
    Per Share Amount      
    Basic earnings per common share (in dollars per share) $ 1.08 $ 0.86 $ 0.68
    Diluted earnings per common share (in dollars per share) $ 1.07 $ 0.86 $ 0.68
    XML 95 R5.htm IDEA: XBRL DOCUMENT v2.4.0.8
    Consolidated Statements of Comprehensive Income (Loss) (USD $)
    In Thousands, unless otherwise specified
    		 12 Months Ended
    Dec. 31, 2013
    Dec. 31, 2012
    Dec. 31, 2011
    Consolidated Statements Of Comprehensive Income Loss      
    Net earnings $ 6,691 $ 5,793 $ 5,159
    Other comprehensive (loss) income:      
    Unrealized holding (losses) gains on securities available for sale (10,498) 5,371 9,316
    Reclassification adjustment for other than temporary impairment losses included in net earnings 0 0 144
    Reclassification adjustment for gains on securities available for sale included in net earnings (614) (1,218) (4,406)
    Unrealized holding losses on derivative financial instruments qualifying as cash flow hedges 0 0 (648)
    Total other comprehensive (loss) income, before income taxes (11,112) 4,153 4,406
    Income tax (benefit) expense related to other comprehensive (loss) income:      
    Unrealized holding (losses) gains on securities available for sale (4,089) 2,091 3,629
    Reclassification adjustment for gains on securities available for sale included in net earnings (239) (474) (1,660)
    Unrealized holding losses on derivative financial instruments qualifying as cash flow hedges 0 0 (252)
    Total income tax (benefit) expense related to other comprehensive (loss) income (4,328) 1,617 1,717
    Total other comprehensive (loss) income, net of tax (6,784) 2,536 2,689
    Total comprehensive (loss) income $ (93) $ 8,329 $ 7,848
    XML 96 R10.htm IDEA: XBRL DOCUMENT v2.4.0.8
    3. Loans
    		 12 Months Ended
    Dec. 31, 2013
    Receivables [Abstract]  
    Loans

    Major classifications of loans at December 31, 2013 and 2012 are summarized as follows:

     

    (Dollars in thousands)      
      December 31, 2013   December 31, 2012
    Real estate loans      
    Construction and land development $ 63,742   73,176
    Single-family residential   195,975   195,003
    Single-family residential -        
    Banco de la Gente stated income   49,463   52,019
    Commercial   209,287   200,633
    Multifamily and farmland   11,801   8,951
    Total real estate loans   530,268   529,782
             
    Loans not secured by real estate        
    Commercial loans   68,047   64,295
    Farm loans   19   11
    Consumer loans   9,593   10,148
    All other loans   13,033   15,738
             
    Total loans   620,960   619,974
             
    Less allowance for loan losses   13,501   14,423
             
    Total net loans $ 607,459   605,551

      

    The Bank grants loans and extensions of credit primarily within the Catawba Valley region of North Carolina, which encompasses Catawba, Alexander, Iredell and Lincoln counties and also in Mecklenburg, Union and Wake counties of North Carolina.  Although the Bank has a diversified loan portfolio, a substantial portion of the loan portfolio is collateralized by improved and unimproved real estate, the value of which is dependent upon the real estate market.  Risk characteristics of the major components of the Bank’s loan portfolio are discussed below:

     

    ·   Construction and land development loans – The risk of loss is largely dependent on the initial estimate of whether the property’s value at completion equals or exceeds the cost of property construction and the availability of take-out financing.  During the construction phase, a number of factors can result in delays or cost overruns.  If the estimate is inaccurate or if actual construction costs exceed estimates, the value of the property securing the loan may be insufficient to ensure full repayment when completed through a permanent loan, sale of the property, or by seizure of collateral.  As of December 31, 2013, construction and land development loans comprised approximately 10% of the Bank’s total loan portfolio.

     

    ·   Single-family residential loans – Declining home sales volumes, decreased real estate values and higher than normal levels of unemployment could contribute to losses on these loans.  As of December 31, 2013, single-family residential loans comprised approximately 40% of the Bank’s total loan portfolio, including Banco de la Gente single-family residential stated income loans which were approximately 8% of the Bank’s total loan portfolio.

     

    ·   Commercial real estate loans – Repayment is dependent on income being generated in amounts sufficient to cover operating expenses and debt service.  These loans also involve greater risk because they are generally not fully amortizing over a loan period, but rather have a balloon payment due at maturity.  A borrower’s ability to make a balloon payment typically will depend on being able to either refinance the loan or timely sell the underlying property.  As of December 31, 2013, commercial real estate loans comprised approximately 34% of the Bank’s total loan portfolio.

     

    ·   Commercial loans – Repayment is generally dependent upon the successful operation of the borrower’s business.   In addition, the collateral securing the loans may depreciate over time, be difficult to appraise, be illiquid, or fluctuate in value based on the success of the business.  As of December 31, 2013, commercial loans comprised approximately 11% of the Bank’s total loan portfolio.

     

    Loans are considered past due if the required principal and interest payments have not been received as of the date such payments were due. Loans are placed on non-accrual status when, in management’s opinion, the borrower may be unable to meet payment obligations as they become due, as well as when required by regulatory provisions. Loans may be placed on non-accrual status regardless of whether or not such loans are considered past due. When interest accrual is discontinued, all unpaid accrued interest is reversed. Interest income is subsequently recognized only to the extent cash payments are received in excess of principal due. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured.

     

    The following tables present an age analysis of past due loans, by loan type, as of December 31, 2013 and 2012:

     

    December 31, 2013                
    (Dollars in thousands)                
     

    Loans 30-89

    Days Past

    Due

    		  

    Loans 90 or

    More Days

    Past Due

    		  

    Total

    Past Due

    Loans

    		  

    Total

    Current

    Loans

    		  

    Total

    Loans

    		  

    Accruing

    Loans 90 or

    More Days

    Past Due

    Real estate loans                      
    Construction and land development $ 3,416   5,426   8,842   54,900   63,742   -  
    Single-family residential   4,518   1,555   6,073   189,902   195,975   -  
    Single-family residential -                        
    Banco de la Gente stated income   9,833   1,952   11,785   37,678   49,463   881
    Commercial   1,643   486   2,129   207,158   209,287   -  
    Multifamily and farmland   177   -     177   11,624   11,801   -  
    Total real estate loans   19,587   9,419   29,006   501,262   530,268   881
                             
    Loans not secured by real estate                        
    Commercial loans   424   29   453   67,594   68,047   -  
    Farm loans   -     -     -     19   19   -  
    Consumer loans   181   3   184   9,409   9,593   1
    All other loans   -     -     -     13,033   13,033   -  
    Total loans $ 20,192   9,451   29,643   591,317   620,960   882

     

    December 31, 2012                
    (Dollars in thousands)                
     

    Loans 30-89

    Days Past

    Due

    		  

    Loans 90 or

    More Days

    Past Due

    		  

    Total

    Past Due

    Loans

    		  

    Total

    Current

    Loans

    		  

    Total

    Loans

    		  

    Accruing

    Loans 90 or

    More Days

    Past Due

    Real estate loans                      
    Construction and land development $ 1,280   6,858   8,138   65,038   73,176   -  
    Single-family residential   4,316   1,548   5,864   189,139   195,003   -  
    Single-family residential -                        
    Banco de la Gente stated income   11,077   3,659   14,736   37,283   52,019   2,378
    Commercial   1,720   1,170   2,890   197,743   200,633   -  
    Multifamily and farmland   7   -     7   8,944   8,951   -  
    Total real estate loans   18,400   13,235   31,635   498,147   529,782   2,378
                             
    Loans not secured by real estate                        
    Commercial loans   888   66   954   63,341   64,295   23
    Farm loans   -     -     -     11   11   -  
    Consumer loans   250   10   260   9,888   10,148   2
    All other loans   -     -     -     15,738   15,738   -  
    Total loans $ 19,538   13,311   32,849   587,125   619,974   2,403

     

    The following table presents the Bank’s non-accrual loans as of December 31, 2013 and 2012:

     

    (Dollars in thousands)      
      December 31, 2013   December 31, 2012
    Real estate loans      
    Construction and land development $ 6,546   9,253
    Single-family residential   2,980   2,491
    Single-family residential -        
    Banco de la Gente stated income   1,990   2,232
    Commercial   2,043   3,263
    Total real estate loans   13,559   17,239
             
    Loans not secured by real estate        
    Commercial loans   250   344
    Consumer loans   27   47
    Total $ 13,836   17,630

     

    At each reporting period, the Bank determines which loans are impaired.  Accordingly, the Bank’s impaired loans are reported at their estimated fair value on a non-recurring basis.  An allowance for each impaired loan that is collateral-dependent is calculated based on the fair value of its collateral.  The fair value of the collateral is based on appraisals performed by REAS, a subsidiary of the Bank.  REAS is staffed by certified appraisers that also perform appraisals for other companies.  Factors including the assumptions and techniques utilized by the appraiser are considered by management.  If the recorded investment in the impaired loan exceeds the measure of fair value of the collateral, a valuation allowance is recorded as a component of the allowance for loan losses.  An allowance for each impaired loan that is non-collateral dependent is calculated based on the present value of projected cash flows.  If the recorded investment in the impaired loan exceeds the present value of projected cash flows, a valuation allowance is recorded as a component of the allowance for loan losses.  Impaired loans under $250,000 are not individually evaluated for impairment, with the exception of the Bank’s troubled debt restructured (“TDR”) loans in the residential mortgage loan portfolio, which are individually evaluated for impairment.  Accruing impaired loans were $27.6 million and $30.6 million at December 31, 2013 and 2012, respectively.  Interest income recognized on accruing impaired loans was $1.3 million and $1.5 million for the years ended December 31, 2013 and 2012, respectively.  No interest income is recognized on non-accrual impaired loans subsequent to their classification as non-accrual.

     

    The following tables present the Bank’s impaired loans as of December 31, 2013 and 2012:

     

    (Dollars in thousands)                      
                           
     

    Unpaid

    Contractual Principal

    Balance

    		  

    Recorded Investment

    With No Allowance

    		  

    Recorded Investment

    With

    Allowance

    		  

    Recorded Investment

    in Impaired

    Loans

    		   Related Allowance  

    Average Outstanding Impaired

    Loans

    Real estate loans                      
    Construction and land development $ 9,861   6,293   868   7,161   53   8,289
    Single-family residential   7,853   1,428   5,633   7,061   123   7,859
    Single-family residential -                        
    Banco de la Gente stated income   22,034   -     21,242   21,242   1,300   21,242
    Commercial   5,079   3,045   1,489   4,534   182   4,171
    Multifamily and farmland   177   -     177   177   1   184
    Total impaired real estate loans   45,004   10,766   29,409   40,175   1,659   41,745
                             
    Loans not secured by real estate                        
    Commercial loans   999   257   724   981   15   826
    Consumer loans   302   264   35   299   1   247
    Total impaired loans $ 46,305   11,287   30,168   41,455   1,675   42,818
                             
                             
    December 31, 2012                        
    (Dollars in thousands)                        
     

    Unpaid

    Contractual Principal

    Balance

    		  

    Recorded Investment

    With No Allowance

    		  

    Recorded Investment

    With

    Allowance

    		  

    Recorded Investment

    in Impaired

    Loans

    		   Related Allowance  

    Average Outstanding Impaired

    Loans

    Real estate loans                        
    Construction and land development $ 17,738   11,795   680   12,475   61   12,810
    Single-family residential   9,099   766   7,799   8,565   177   7,590
    Single-family residential -                        
    Banco de la Gente stated income   21,806   -     21,000   21,000   1,278   21,158
    Commercial   5,830   4,569   467   5,036   6   5,433
    Multifamily and farmland   193   -     193   193   1   200
    Total impaired real estate loans   54,666   17,130   30,139   47,269   1,523   47,191
                             
    Loans not secured by real estate                        
    Commercial loans   983   347   592   939   12   1,125
    Consumer loans   68   -     66   66   1   41
    Total impaired loans $ 55,717   17,477   30,797   48,274   1,536   48,357

     

    The fair value measurements for impaired loans and other real estate on a non-recurring basis at December 31, 2013 and 2012 are presented below.  The fair value measurement process uses certified appraisals and other market-based information; however, in many cases, it also requires significant input based on management’s knowledge of and judgment about current market conditions, specific issues relating to the collateral, and other matters.  As a result, all fair value measurements for impaired loans and other real estate are considered Level 3.

     

    (Dollars in thousands)                  
      Fair Value Measurements December 31, 2013  

    Level 1

    Valuation

    		  

    Level 2

    Valuation

    		  

    Level 3

    Valuation

    		  

    Total Gains/(Losses) for

    the Year Ended

    December 31, 2013

    Impaired loans $ 39,780   -   -   39,780   (3,207 )
    Other real estate $ 1,679   -   -   1,679   (581 )

     

    (Dollars in thousands)                  
      Fair Value Measurements December 31, 2012  

    Level 1

    Valuation

    		  

    Level 2

    Valuation

    		  

    Level 3

    Valuation

    		  

    Total Gains/(Losses) for

    the Year Ended

    December 31, 2012

    Impaired loans $ 46,738   -   -   46,738   (6,875 )
    Other real estate $ 6,254   -   -   6,254   (1,136 )

     

    Changes in the allowance for loan losses for the year ended December 31, 2013 were as follows:

     

    (Dollars in thousands)                          
      Real Estate Loans                      
      Construction and Land Development  

    Single-

    Family Residential

    		  

    Single-

    Family Residential - Banco de la Gente

    Stated Income

    		   Commercial  

    Multifamily and

    Farmland

    		   Commercial   Farm   Consumer and All Other   Unallocated   Total  
    Allowance for loan losses:                                        
    Beginning balance $ 4,399   3,231   1,998   2,049   28   1,088   -   245   1,385   14,423  
    Charge-offs   (777 ) (1,724 ) (272 ) (445 ) -   (502 ) -   (652 ) -   (4,372 )
    Recoveries   377   111   141   50   -   44   -   143   -   866  
    Provision   (781 ) 1,505   (4 ) 565   9   439   -   509   342   2,584  
    Ending balance $ 3,218   3,123   1,863   2,219   37   1,069   -   245   1,727   13,501  
                                               
                                               
    Ending balance: individually                                        
    evaluated for impairment $ -   39   1,268   171   -   -   -   -   -   1,478  
    Ending balance: collectively                                        
    evaluated for impairment   3,218   3,084   595   2,048   37   1,069   -   245   1,727   12,023  
    Ending balance $ 3,218   3,123   1,863   2,219   37   1,069   -   245   1,727   13,501  
                                               
    Loans:                                          
    Ending balance $ 63,742   195,975   49,463   209,287   11,801   68,047   19   22,626   -   620,960  
                                               
    Ending balance: individually                                        
    evaluated for impairment $ 6,293   3,127   19,958   3,767   -   256   -   265   -   33,666  
    Ending balance: collectively                                        
    evaluated for impairment $ 57,449   192,848   29,505   205,520   11,801   67,791   19   22,361   -   587,294  

     

    Changes in the allowance for loan losses for the year ended December 31, 2012 were as follows:

     

    (Dollars in thousands)                            
      Real Estate Loans                      
      Construction and Land Development  

    Single-

    Family Residential

    		  

    Single-

    Family Residential - Banco de la Gente

    Stated Income

    		   Commercial  

    Multifamily and

    Farmland

    		   Commercial   Farm   Consumer and All Other   Unallocated   Total  
    Allowance for loan losses:                                        
    Beginning balance $ 7,182   3,253   2,104   1,731   13   1,029   -   255   1,037   16,604  
    Charge-offs   (4,728 ) (886 ) (668 ) (937 ) -   (555 ) -   (557 ) -   (8,331 )
    Recoveries   528   72   -   374   -   104   -   148   -   1,226  
    Provision   1,417   792   562   881   15   510   -   399   348   4,924  
    Ending balance $ 4,399   3,231   1,998   2,049   28   1,088   -   245   1,385   14,423  
                                               
    Ending balance: individually                                          
    evaluated for impairment $ 24   84   1,254   -   -   -   -   -   -   1,362  
    Ending balance: collectively                                          
    evaluated for impairment   4,375   3,147   744   2,049   28   1,088   -   245   1,385   13,061  
    Ending balance $ 4,399   3,231   1,998   2,049   28   1,088   -   245   1,385   14,423  
                                               
    Loans:                                    
    Ending balance $ 73,176   195,003   52,019   200,633   8,951   64,295   11   25,886   -   619,974  
                                               
    Ending balance: individually                                          
    evaluated for impairment $ 11,961   3,885   20,024   4,569   -   346   -   -   -   40,785  
    Ending balance: collectively                                          
    evaluated for impairment $ 61,215   191,118   31,995   196,064   8,951   63,949   11   25,886   -   579,189  

     

    Changes in the allowance for loan losses for the year ended December 31, 2011 were as follows:

     

    (Dollars in thousands)                      
      Real Estate Loans                  
      Construction and Land Development  

    Single-

    Family Residential

    		  

    Single-

    Family Residential - Banco de la Gente

    Stated

    Income

    		   Commercial  

    Multifamily and

    Farmland

    		   Commercial  

    Consumer

    and All

    Other

    		   Unallocated   Total  
    Allowance for loan losses:                                    
    Beginning balance $ 5,774   3,992   2,105   1,409   17   1,174   430   592   15,493  
       Charge-offs   (7,164 ) (2,233 ) (692 ) (1,271 ) -   (314 ) (586 ) -   (12,260 )
       Recoveries   241   184   17   24   -   121   152   -   739  
       Provision   8,331   1,310   674   1,569   (4 ) 48   259   445   12,632  
    Ending balance $ 7,182   3,253   2,104   1,731   13   1,029   255   1,037   16,604  
                                           
    Ending balance: individually                                    
    evaluated for impairment $ 1,250   46   1,243   -   -   -   -   -   2,539  
    Ending balance: collectively                                    
     evaluated for impairment 5,932   3,207   861   1,731   13   1,029   255   1,037   14,065  
    Ending balance $ 7,182   3,253   2,104   1,731   13   1,029   255   1,037   16,604  
                                           
    Loans:                                      
    Ending balance $ 93,812   212,993   54,058   214,415   4,793   60,646   29,780   -   670,497  
                                           
    Ending balance: individually                                    
    evaluated for impairment $ 20,280   2,352   18,309   3,845   -   -   -   -   44,786  
    Ending balance: collectively                                    
     evaluated for impairment $ 73,532   210,641   35,749   210,570   4,793   60,646   29,780   -   625,711  

     

     

    The Company utilizes an internal risk grading matrix to assign a risk grade to each of its loans.  Loans are graded on a scale of 1 to 8.  These risk grades are evaluated on an ongoing basis.  The Low Substandard risk grade was removed from the Company’s internal risk grading matrix during the first quarter of 2013.  No loans were classified Low Substandard at December 31, 2012.  A description of the general characteristics of the eight risk grades is as follows:

     

    ·   Risk Grade 1 – Excellent Quality: Loans are well above average quality and a minimal amount of credit risk exists.  CD or cash secured loans or properly margined actively traded stock or bond secured loans would fall in this grade.

     

    ·   Risk Grade 2 – High Quality: Loans are of good quality with risk levels well within the Company’s range of acceptability.  The organization or individual is established with a history of successful performance though somewhat susceptible to economic changes.

     

    ·   Risk Grade 3 – Good Quality: Loans of average quality with risk levels within the Company’s range of acceptability but higher than normal. This may be a new organization or an existing organization in a transitional phase (e.g. expansion, acquisition, market change).

     

    ·   Risk Grade 4 – Management Attention: These loans have higher risk and servicing needs but still are acceptable. Evidence of marginal performance or deteriorating trends is observed.  These are not problem credits presently, but may be in the future if the borrower is unable to change its present course.

     

    ·   Risk Grade 5 – Watch: These loans are currently performing satisfactorily, but there has been some recent past due history on repayment and there are potential weaknesses that may, if not corrected, weaken the asset or inadequately protect the Company’s position at some future date.

     

    ·   Risk Grade 6 – Substandard: A Substandard loan is inadequately protected by the current sound net worth and paying capacity of the obligor or the collateral pledged (if there is any).  There is a well-defined weakness or weaknesses that jeopardize the liquidation of the debt.  There is a distinct possibility that the Company will sustain some loss if the deficiencies are not corrected.

     

    ·   Risk Grade 7 – Doubtful: Loans classified as Doubtful have all the weaknesses inherent in loans classified Substandard, plus the added characteristic that the weaknesses make collection or liquidation in full on the basis of currently existing facts, conditions, and values highly questionable and improbable. Doubtful is a temporary grade where a loss is expected but is presently not quantified with any degree of accuracy. Once the loss position is determined, the amount is charged off.

     

    ·   Risk Grade 8 – Loss: Loans classified as Loss are considered uncollectable and of such little value that their continuance as bankable assets is not warranted.  This classification does not mean that the asset has absolutely no recovery or salvage value, but rather that it is not practical or desirable to defer writing off this worthless loan even though partial recovery may be realized in the future.  Loss is a temporary grade until the appropriate authority is obtained to charge the loan off.

     

    The following tables present the credit risk profile of each loan type based on internally assigned risk grades as of December 31, 2013 and 2012.

     

    December 31, 2013                                
    (Dollars in thousands)                            
      Real Estate Loans                    
      Construction and Land Development  

    Single-

    Family Residential

    		  

    Single-

    Family Residential - Banco de la Gente

    Stated Income

    		   Commercial  

    Multifamily and

    Farmland

    		   Commercial   Farm   Consumer   All Other   Total
                                           
    1- Excellent Quality $ 7   15,036   -   -   -   365   -   1,270   -   16,678
    2- High Quality   7,852   60,882   -   33,340   715   8,442   -   3,519   2,139   116,889
    3- Good Quality   22,899   73,118   22,255   123,604   7,882   44,353   19   4,061   8,565   306,756
    4- Management Attention   14,464   34,090   8,369   42,914   286   13,704   -   358   2,329   116,514
    5- Watch   8,163   6,806   8,113   5,190   2,741   320   -   50   -   31,383
    6- Substandard   10,357   6,043   10,726   4,239   177   863   -   330   -   32,735
    7- Doubtful   -   -   -   -   -   -   -   -   -   -
    8- Loss   -   -   -   -   -   -   -   5   -   5
    Total $ 63,742   195,975   49,463   209,287   11,801   68,047   19   9,593   13,033   620,960
                                             
                                             
                                             
    December 31, 2012                              
    (Dollars in thousands)                          
      Real Estate Loans                    
      Construction and Land Development  

    Single-

    Family Residential

    		  

    Single-

    Family Residential - Banco de la Gente

    Stated Income

    		   Commercial  

    Multifamily and

    Farmland

    		   Commercial   Farm   Consumer   All Other   Total
                                             
    1- Excellent Quality $ 11   24,662   -   -   -   672   -   1,239   -   26,584
    2- High Quality   4,947   56,829   -   27,511   32   9,260   -   4,122   2,317   105,018
    3- Good Quality   24,952   62,018   24,724   114,001   4,975   40,814   11   4,186   13,416   289,097
    4- Management Attention   18,891   35,727   11,366   47,603   3,039   11,844   -   392   5   128,867
    5- Watch   9,580   9,504   3,597   6,911   712   976   -   134   -   31,414
    6- Substandard   14,795   6,263   12,332   4,607   193   729   -   70   -   38,989
    7- Low Substandard   -   -   -   -   -   -   -   -   -   -
    8- Doubtful   -   -   -   -   -   -   -   -   -   -
    9- Loss   -   -   -   -   -   -   -   5   -   5
    Total $ 73,176   195,003   52,019   200,633   8,951   64,295   11   10,148   15,738   619,974

     

    Total TDR loans amounted to $21.9 million and $23.9 million at December 31, 2013 and 2012, respectively.  The terms of these loans have been renegotiated to provide a reduction in principal or interest as a result of the deteriorating financial position of the borrower.  There were $335,000 and $2.0 million in performing loans classified as TDR loans at December 31, 2013 and 2012, respectively.

     

    The following table presents an analysis of TDR loans by loan type as of December 31, 2013.

     

    December 31, 2013          
    (Dollars in thousands)          
      Number of Contracts  

    Pre-Modification Outstanding Recorded

    Investment

    		  

    Post-Modification Outstanding Recorded

    Investment

    Real estate loans          
    Construction and land development 15   $ 10,222   6,528
    Single-family residential 20     1,281   1,754
    Single-family residential -            
    Banco de la Gente stated income 91     10,038   8,605
    Commercial 10     3,775   4,272
    Multifamily and farmland 1     322   177
    Total real estate TDR loans 137     25,638   21,336
                 
    Loans not secured by real estate            
    Commercial loans 7     519   344
    Consumer loans 3     284   266
    Total TDR loans 147   $ 26,441   21,946

     

    The following table presents an analysis of 2013 loan modifications included in the December 31, 2013 TDR table above.

     

    Year ended December 31, 2013          
    (Dollars in thousands)          
      Number of Contracts  

    Pre-Modification Outstanding Recorded

    Investment

    		  

    Post-Modification Outstanding Recorded

    Investment

    Real estate loans          
    Construction and land development 2   $ 841   824
    Single-family residential -            
    Banco de la Gente stated income 7     796   788
    Total real estate TDR loans 9     1,637   1,612
                 
    Total TDR loans 9   $ 1,637   1,612

     

    The following table presents an analysis of TDR loans by loan type as of December 31, 2012.
     

    December 31, 2012          
    (Dollars in thousands)          
      Number of Contracts  

    Pre-Modification Outstanding Recorded

    Investment

    		  

    Post-Modification Outstanding Recorded

    Investment

    Real estate loans          
    Construction and land development 11   $ 10,465   6,633
    Single-family residential 33     3,014   4,084
    Single-family residential -            
    Banco de la Gente stated income 122     13,459   12,170
    Commercial 4     1,457   682
    Multifamily and farmland -       -     -  
    Total real estate TDR loans 170     28,395   23,569
                 
    Loans not secured by real estate            
    Commercial loans 9     511   368
    Consumer loans 1     2   -  
    Total TDR loans 180   $ 28,908   23,937

     

    The following table presents an analysis of 2012 loan modifications included in the December 31, 2012 TDR table above.

     

    Year ended December 31, 2012          
    (Dollars in thousands)          
      Number of Contracts  

    Pre-Modification Outstanding Recorded

    Investment

    		  

    Post-Modification Outstanding Recorded

    Investment

    Real estate loans          
    Single-family residential 5   $ 674   673
    Single-family residential -            
    Banco de la Gente stated income 20     2,046   1,992
    Total real estate TDR loans 25     2,720   2,665
                 
    Loans not secured by real estate            
    Commercial loans 1     14   13
    Total TDR loans 26   $ 2,734   2,678
    XML 97 R58.htm IDEA: XBRL DOCUMENT v2.4.0.8
    3. Loans (Details Narrative) (USD $)
    In Thousands, unless otherwise specified
    		 12 Months Ended
    Dec. 31, 2013
    Dec. 31, 2012
    Loans Details Narrative    
    Percentage of construction and land development loans in Bank's loan portfolio 10.00%  
    Percentage of single-family residential loans in Bank's loan portfolio 40.00%  
    Percentage of Single-family residential - Banco de la Gente stated income loans in Bank's loan portfolio 8.00%  
    Percentage of commercial real estate loans in Bank's loan portfolio 34.00%  
    Percentage of commercial loans in Bank's loan portfolio 11.00%  
    Accruing impaired loans $ 27,600 $ 30,600
    Interest income recognized on accruing impaired loans 1,300 1,500
    Amount of performing TDR loans included $ 335 $ 2,000
    XML 98 R69.htm IDEA: XBRL DOCUMENT v2.4.0.8
    10. Commitments and Contingencies (Details) (USD $)
    In Thousands, unless otherwise specified
    Dec. 31, 2013
    Commitments And Contingencies Details  
    2014 $ 549
    2015 517
    2016 519
    2017 469
    2018 436
    Thereafter 1,253
    Total minimum obligation $ 3,743
    XML 99 R27.htm IDEA: XBRL DOCUMENT v2.4.0.8
    2. Investment Securities (Tables)
    		 12 Months Ended
    Dec. 31, 2013
    Investment Securities Tables  
    Investment securities available for sale

     

    (Dollars in thousands)              
      December 31, 2013
     

    Amortized

    Cost

    		  

    Gross

    Unrealized

    Gains

    		  

    Gross

    Unrealized

    Losses

    		   Estimated Fair Value
    Mortgage-backed securities $ 123,706   1,040   769   123,977
    U.S. Government                
    sponsored enterprises   22,115   97   69   22,143
    State and political subdivisions   148,468   1,987   5,087   145,368
    Corporate bonds   3,522   11   70   3,463
    Trust preferred securities   1,250   -     -     1,250
    Equity securities   748   941   -     1,689
    Total $ 299,809   4,076   5,995   297,890

      

    (Dollars in thousands)              
      December 31, 2012
     

    Amortized

    Cost

    		  

    Gross

    Unrealized

    Gains

    		  

    Gross

    Unrealized

    Losses

    		   Estimated Fair Value
    Mortgage-backed securities $ 146,755   1,875   606   148,024
    U.S. Government                
    sponsored enterprises   18,714   203   80   18,837
    State and political subdivisions   118,591   7,171   104   125,658
    Corporate bonds   2,571   19   4   2,586
    Trust preferred securities   1,250   -     -     1,250
    Equity securities   748   720   -     1,468
    Total $ 288,629   9,988   794   297,823
    Current fair value and associated unrealized losses on investments in debt securities with unrealized losses

     

    (Dollars in thousands)            
      December 31, 2013
      Less than 12 Months   12 Months or More   Total
      Fair Value  

    Unrealized

    Losses

    		   Fair Value  

    Unrealized

    Losses

    		   Fair Value  

    Unrealized

    Losses

    Mortgage-backed securities $ 40,857   691   10,128   78   50,985   769
    U.S. Government                        
    sponsored enterprises   9,714   69   -     -     9,714   69
    State and political subdivisions   77,187   4,863   1,824   224   79,011   5,087
    Corporate bonds   1,984   16   511   54   2,495   70
    Total $ 129,742   5,639   12,463   356   142,205   5,995
                             
    (Dollars in thousands)                        
      December 31, 2012
      Less than 12 Months   12 Months or More   Total
      Fair Value  

    Unrealized

    Losses

    		   Fair Value  

    Unrealized

    Losses

    		   Fair Value  

    Unrealized

    Losses

    Mortgage-backed securities $ 48,126   468   12,913   138   61,039   606
    U.S. Government                        
    sponsored enterprises   3,402   80   -     -     3,402   80
    State and political subdivisions   9,490   104   -     -     9,490   104
    Corporate bonds   1,035   4   -     -     1,035   4
    Total $ 62,053   656   12,913   138   74,966   794
    Amortized cost and estimated fair value of investment securities available for sale by contractual maturity
    December 31, 2013      
    (Dollars in thousands)      
      Amortized Cost  

    Estimated Fair

    Value

    Due within one year $ 4,019   4,048
    Due from one to five years   31,725   32,103
    Due from five to ten years   119,313   115,878
    Due after ten years   20,298   20,195
    Mortgage-backed securities   123,706   123,977
    Equity securities   748   1,689
    Total $ 299,809   297,890
    Available for sale securities measured at fair value on a recurring basis

     

    (Dollars in thousands)              
      December 31, 2013
      Fair Value Measurements  

    Level 1

    Valuation

    		  

    Level 2

    Valuation

    		  

    Level 3

    Valuation

    Mortgage-backed securities $ 123,977   -   123,977   -
    U.S. Government                
    sponsored enterprises $ 22,143   -   22,143   -
    State and political subdivisions $ 145,368   -   145,368   -
    Corporate bonds $ 3,463   -   3,463   -
    Trust preferred securities $ 1,250   -   -   1,250
    Equity securities $ 1,689   1,689   -   -

     

    (Dollars in thousands)              
      December 31, 2012
      Fair Value Measurements  

    Level 1

    Valuation

    		  

    Level 2

    Valuation

    		  

    Level 3

    Valuation

    Mortgage-backed securities $ 148,024   -   148,024   -
    U.S. Government                
    sponsored enterprises $ 18,837   -   18,837   -
    State and political subdivisions $ 125,658   -   125,658   -
    Corporate bonds $ 2,586   -   2,586   -
    Trust preferred securities $ 1,250   -   -   1,250
    Equity securities $ 1,468   1,468   -   -
    Fair value measurements of investment securities available for sale using Level 3 significant unobservable inputs
    (Dollars in thousands)  
      Investment Securities Available for Sale
      Level 3 Valuation
    Balance, beginning of period $ 1,250
    Change in book value   -
    Change in gain/(loss) realized and unrealized   -
    Purchases/(sales)   -
    Transfers in and/or (out) of Level 3   -
    Balance, end of period $ 1,250
         
    Change in unrealized gain/(loss) for assets still held in Level 3 $ -
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    12. Employee and Director Benefit Programs (Details 2) (USD $)
    In Thousands, unless otherwise specified
    		 12 Months Ended
    Dec. 31, 2013
    Dec. 31, 2012
    Employee And Director Benefit Programs Details 2    
    Service cost $ 336 $ 430
    Interest cost 65 89
    Net periodic cost $ 401 $ 519
    Weighted average discount rate assumption used to determine benefit obligation 5.46% 5.43%
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    16. Fair Value of Financial Instruments (Tables)
    		 12 Months Ended
    Dec. 31, 2013
    Fair Value Disclosures [Abstract]  
    Carrying amount and estimated fair value of the Company's financial instruments
    (Dollars in thousands)                  
          Fair Value Measurements at December 31, 2013
     

    Carrying

    Amount

    		   Level 1   Level 2   Level 3   Total
    Assets:                  
    Cash and cash equivalents $ 76,773   76,773   -   -   76,773
    Investment securities available for sale   297,890   1,689   294,951   1,250   297,890
    Other investments   4,990   -   -   4,990   4,990
    Mortgage loans held for sale   497   -   -   497   497
    Loans, net   607,459   -   -   612,132   612,132
    Cash surrender value of life insurance   13,706   -   13,706   -   13,706
                         
    Liabilities:                    
    Deposits $ 799,361   -   798,460   -   798,460
    Securities sold under agreements                    
    to repurchase   45,396   -   45,396   -   45,396
    FHLB borrowings   65,000   -   65,891   -   65,891
    Junior subordinated debentures   20,619   -   20,619   -   20,619
                         
                         
    (Dollars in thousands)                    
            Fair Value Measurements at December 31, 2012
     

    Carrying

    Amount

    		   Level 1   Level 2   Level 3   Total
    Assets:                    
    Cash and cash equivalents $ 48,843   48,843   -   -   48,843
    Investment securities available for sale   297,823   1,468   295,105   1,250   297,823
    Other investments   5,599   -   -   5,599   5,599
    Mortgage loans held for sale   6,922   -   -   6,922   6,922
    Loans, net   605,551   -   -   599,996   599,996
    Cash surrender value of life insurance   13,273   -   13,273   -   13,273
                         
    Liabilities:                    
    Deposits $ 781,525   -   780,662   -   780,662
    Securities sold under agreements                    
    to repurchase   34,578   -   34,578   -   34,578
    FHLB borrowings   70,000   -   76,375   -   76,375
    Junior subordinated debentures   20,619   -   20,619   -   20,619
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    13. Regulatory Matters
    		 12 Months Ended
    Dec. 31, 2013
    Banking and Thrift [Abstract]  
    Regulatory Matters

    The Company is subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company must meet specific capital guidelines that involve quantitative measures of the assets, liabilities and certain off-balance-sheet items as calculated under regulatory accounting practices. The capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors.

     

    Quantitative measures established by regulation to ensure capital adequacy require the Company to maintain minimum amounts and ratios of capital in relation to both on- and off-balance sheet items at various risk weights. Total capital consists of two tiers of capital. Tier 1 Capital includes common shareholders’ equity and trust preferred securities less adjustments for intangible assets. Tier 2 Capital consists of the allowance for loan losses, up to 1.25% of risk-weighted assets and other adjustments.  Management believes, as of December 31, 2013, that the Company and the Bank meet all capital adequacy requirements to which they are subject.

     

    As of December 31, 2013, the most recent notification from the FDIC categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized the Bank must maintain minimum total risk-based, Tier 1 risk-based and Tier 1 leverage ratios as set forth in the table below. There have been no conditions or events since that notification that management believes have changed the Bank’s category.

     

    On July 2, 2013, the FRB approved its final rule on the Basel III capital standards, which implement changes to the regulatory capital framework for banking organizations.  Capital levels at the Company and the Bank currently exceed the new capital requirements, which will be effective on January 1, 2015.

     

    The Company’s and the Bank’s actual capital amounts and ratios are presented below:

     

    (Dollars in thousands)                
      Actual  

    For Capital

    Adequacy Purposes

    		  

    To Be Well

    Capitalized Under

    Prompt Corrective

    Action Provisions

                           
      Amount   Ratio   Amount   Ratio   Amount   Ratio
                           
    As of December 31, 2013:                      
                           
    Total Capital (to Risk-Weighted Assets)                      
    Consolidated $ 114,185   16.14%   56,582   8.00%   N/A   N/A
    Bank $ 110,935   15.73%   56,412   8.00%   70,515   10.00%
    Tier 1 Capital (to Risk-Weighted Assets)                        
    Consolidated $ 104,890   14.83%   28,291   4.00%   N/A   N/A
    Bank $ 101,733   14.43%   28,206   4.00%   42,309   6.00%
    Tier 1 Capital (to Average Assets)                        
    Consolidated $ 104,890   10.08%   41,622   4.00%   N/A   N/A
    Bank $ 101,733   9.79%   41,584   4.00%   51,981   5.00%
                             
    As of December 31, 2012:                        
                             
    Total Capital (to Risk-Weighted Assets)                        
    Consolidated $ 121,246   17.34%   55,928   8.00%   N/A   N/A
    Bank $ 117,453   16.84%   55,784   8.00%   69,730   10.00%
    Tier 1 Capital (to Risk-Weighted Assets)                        
    Consolidated $ 112,135   16.04%   27,964   4.00%   N/A   N/A
    Bank $ 108,379   15.54%   27,892   4.00%   41,838   6.00%
    Tier 1 Capital (to Average Assets)                        
    Consolidated $ 112,135   11.12%   40,342   4.00%   N/A   N/A
    Bank $ 108,379   10.76%   40,302   4.00%   50,377   5.00%

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