0001093672-15-000015.txt : 20150325 0001093672-15-000015.hdr.sgml : 20150325 20150325085144 ACCESSION NUMBER: 0001093672-15-000015 CONFORMED SUBMISSION TYPE: 10-K PUBLIC DOCUMENT COUNT: 17 CONFORMED PERIOD OF REPORT: 20141231 FILED AS OF DATE: 20150325 DATE AS OF CHANGE: 20150325 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: 15723326 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 form10kfordec312014.htm FORM 10-K FOR DEC 31, 2014 form10kfordec312014.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, 2014
 
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 this Form 10-K.  o  
 
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.  $68,996,228 based on the closing price of such common stock on June 30, 2014, which was $16.00 per share.
 
Indicate the number of shares outstanding of each of the registrant's classes of common stock, as of the latest practicable date.
5,612,588 shares of common stock, outstanding at February 28, 2015.
 
 
 
 
 
 
DOCUMENTS INCORPORATED BY REFERENCE

Portions of the Annual Report of Peoples Bancorp of North Carolina, Inc. for the year ended December 31, 2014 (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 2015 Annual Meeting of Shareholders of Peoples Bancorp of North Carolina, Inc. to be held on May 7, 2015 (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 2015
   
Annual Meeting,
 
2014 Form
Proxy Statement
 
10-K
and Annual Report
 
Page
Page
PART I
    
Item 1 - Business
4 - 12
N/A
Item 1A - Risk Factors
12 - 19
N/A
Item 1B - Unresolved Staff Comments
19
N/A
Item 2 - Properties
20
N/A
Item 3 - Legal Proceedings
20
N/A
Item 4 - Mine Safety Disclosures
21
N/A
     
PART II
    
Item 5 - Market for Registrant's Common Equity, Related Stockholder
    
            Matters and Issuer Purchases of Equity Securities
21 - 23
N/A
Item 6 - Selected Financial Data
23
A-3
Item 7 - Management's Discussion and Analysis of Financial Condition and
    
            Results of Operations
24
A-4 - A-25
Item 7A - Quantitative and Qualitative Disclosures About Market Risk
24
A-24 - A-25
Item 8 - Financial Statements and Supplementary Data
24
A-26 - A-62
Item 9 - Changes in and Disagreements with Accountants on Accounting
    
            and Financial Disclosure
24
N/A
Item 9A - Controls and Procedures
24
N/A
Item 9B - Other Information
25
N/A
     
PART III
    
Item 10 - Directors and Executive Officers and Corporate Governance
25
A-63
Item 11 - Executive Compensation
25
17 - 25
Item 12 - Security Ownership of Certain Beneficial Owners and Management
    
              and Related Stockholder Matters
25 - 26
4 - 6
Item 13 - Certain Relationships and Related Transactions
    
              and Director Independence
26
25 - 26
Item 14 - Principal Accountant Fees and Services
26
26 - 27
     
PART IV
    
Item 15 - Exhibits and Financial Statement Schedules
27 - 30
N/A
     
Signatures
31
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 21 banking offices, as of December 31, 2014, located in Lincolnton, Newton, Denver, Catawba, Conover, Maiden, Claremont, Hiddenite, Hickory, Charlotte, Monroe, Cornelius, Mooresville and Raleigh, North Carolina.  The Bank also operates loan production offices in Denver and Durham, North Carolina.  At December 31, 2014, the Company had total assets of $1.0 billion, net loans of $640.8 million, deposits of $814.7 million, total securities of $285.1 million, and shareholders’ equity of $98.7 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 and fixed 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-25 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, 2014, the Company employed 280 full-time employees and 37 part-time employees, which equated to 305 full-time equivalent employees.

Subsidiaries

The Bank is a subsidiary of the Company.  At December 31, 2014, the Bank had 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 March 2015, the Bank established a new wholly owned subsidiary, PB Real Estate Holdings, LLC, which will acquire, manage and dispose of real property, other collateral and other assets obtained in the ordinary course of collecting debts previously contracted.
 
 
4
 

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 CBRES, a wholly owned subsidiary, 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, one Banco office in Wake County and one Banco loan production office in Durham 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, 2014 comparative data, the Bank had 25.08% of the deposits in Catawba County, placing it second in deposit size among a total of 12 banks with branch offices in Catawba County; 9.98% of the deposits in Lincoln County, placing it fifth in deposit size among a total of 10 banks with branch offices in Lincoln County; and 12.87% of the deposits in Alexander County, placing it fifth in deposit size among a total of seven banks with branch offices in Alexander County.
 
 
5
 

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.

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 certain statutes and rules and regulations that affect or will affect the Company, the Bank and any subsidiaries.  This summary is qualified in its entirety by reference to the particular statute and regulatory provisions referred to below and is not intended to be an exhaustive description of the statutes or regulations applicable to the business of 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 mitigate the risk of failure, bank holding companies are 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 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.
 
 
6
 

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.

The Dodd-Frank Act broadened the base for FDIC assessments for deposit insurance and 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 the Company.
 
Capital Adequacy. The Company and the Bank must comply with the Federal Reserve’s established capital adequacy standards. The Federal Reserve has promulgated two basic measures of capital adequacy for bank holding companies: a risk-based measure and a leverage measure. A bank holding company must satisfy all applicable capital standards to be considered in compliance.
 
The risk-based capital standards are designed to make regulatory capital requirements more sensitive to differences in risk profile among banks and bank holding companies, account for off-balance-sheet exposure and minimize disincentives for holding liquid assets.
 
Assets and off-balance-sheet items are assigned to broad risk categories, each with appropriate weights. The resulting capital ratios represent capital as a percentage of total risk-weighted assets and off-balance-sheet items. The minimum guideline for the ratio of total capital to risk-weighted assets is 8%. At least half of total capital must be comprised of Tier I Capital, which is common stock, undivided profits, minority interests in the equity accounts of consolidated subsidiaries and noncumulative perpetual preferred stock, less goodwill and certain other intangible assets. The remainder may consist of Tier II Capital, which is subordinated debt, other preferred stock and a limited amount of loan loss reserves.
 
At December 31, 2014, the Bank’s total risk-based capital ratio and its Tier I risk-based capital ratio were 16.06% and 14.78% respectively. Neither the Company nor the Bank has been advised by any federal banking agency of any additional specific minimum capital ratio requirement applicable to it.
 
In addition, the Federal Reserve has established minimum leverage ratio guidelines for bank holding companies. These guidelines provide for a minimum ratio of Tier I Capital to average assets, less goodwill and certain other intangible assets, of 3% for bank holding companies that meet specified criteria. All other bank holding companies generally are required to maintain a minimum leverage ratio of 4%. The Company’s ratio at December 31, 2014, was 10.74%. The guidelines also provide that bank holding companies experiencing internal growth or making acquisitions will be expected to maintain strong capital positions substantially above the minimum supervisory levels without significant reliance on intangible assets. Furthermore, the Federal Reserve has indicated that it will consider a “tangible Tier I Capital leverage ratio” and other indications of capital strength in evaluating proposals for expansion or new activities. The Federal Reserve has not advised the Company of any additional specific minimum leverage ratio or tangible Tier I Capital leverage ratio applicable to it.
 
Failure to meet capital guidelines could subject a bank to a variety of enforcement remedies, including issuance of a capital directive, the termination of deposit insurance by the FDIC, a prohibition on taking brokered deposits and certain other restrictions on its business. As described below, the federal bank regulatory agencies can impose substantial additional restrictions upon FDIC-insured depository institutions that fail to meet applicable capital requirements.
 
 
7
 
 
The Federal Deposit Insurance Act (the “FDI Act”) requires the federal regulatory agencies to take “prompt corrective action” if a depository institution does not meet minimum capital requirements. The FDI Act establishes five capital tiers: “well capitalized,” “adequately capitalized,” “undercapitalized,” “significantly undercapitalized” and “critically undercapitalized.” A depository institution’s capital tier will depend upon how its capital levels compare to various relevant capital measures and certain other factors, as established by regulation.
 
The federal bank regulatory agencies have adopted regulations establishing relevant capital measures and relevant capital levels applicable to FDIC-insured banks. The relevant capital measures are the Total Risk-Based Capital ratio, Tier I Risk-Based Capital ratio and the leverage ratio. Under the regulations, an FDIC-insured bank will be:
 
·  
“well capitalized” if it has a Total Risk-Based Capital ratio of 10% or greater, a Tier I Risk-Based Capital ratio of 6% or greater and a leverage ratio of 5% or greater and is not subject to any order or written directive by the appropriate regulatory authority to meet and maintain a specific capital level for any capital measure;
 
·  
“adequately capitalized” if it has a Total Risk-Based Capital ratio of 8% or greater, a Tier I Risk-Based Capital ratio of 4% or greater and a leverage ratio of 4% or greater (3% in certain circumstances) and is not “well capitalized;”
 
·  
“undercapitalized” if it has a Total Risk-Based Capital ratio of less than 8%, a Tier I Risk-Based Capital ratio of less than 4% or a leverage ratio of less than 4% (3% in certain circumstances);
 
·  
“significantly undercapitalized” if it has a Total Risk-Based Capital ratio of less than 6%, a Tier I Risk-Based Capital ratio of less than 3% or a leverage ratio of less than 3%; and
 
·  
“critically undercapitalized” if its tangible equity is equal to or less than 2% of average quarterly tangible assets.
 
An institution may be downgraded to, or deemed to be in, a capital category that is lower than is indicated by its capital ratios if it is determined to be in an unsafe or unsound condition or if it receives an unsatisfactory examination rating with respect to certain matters. At December 31, 2014, the Bank was deemed to be “well capitalized.”
 
The FDI Act generally prohibits an FDIC-insured bank from making a capital distribution (including payment of a dividend) or paying any management fee to its holding company if the bank would thereafter be “undercapitalized.” “Undercapitalized” banks are subject to growth limitations and are required to submit a capital restoration plan. The federal regulators may not accept a capital plan without determining, among other things, that the plan is based on realistic assumptions and is likely to succeed in restoring the bank’s capital. In addition, for a capital restoration plan to be acceptable, the bank’s parent holding company must guarantee that the institution will comply with such capital restoration plan. The aggregate liability of the parent holding company is limited to the lesser of: (i) an amount equal to 5% of the bank’s total assets at the time it became “undercapitalized;” and (ii) the amount which is necessary (or would have been necessary) to bring the institution into compliance with all capital standards applicable with respect to such institution as of the time it fails to comply with the plan. If a bank fails to submit an acceptable plan, it is treated as if it is “significantly undercapitalized.”
 
“Significantly undercapitalized” insured banks may be subject to a number of requirements and restrictions, including orders to sell sufficient voting stock to become “adequately capitalized,” requirements to reduce total assets and the cessation of receipt of deposits from correspondent banks. “Critically undercapitalized” institutions are subject to the appointment of a receiver or conservator. A bank that is not “well capitalized” is also subject to certain limitations relating to brokered deposits.
 
The regulatory capital framework under which the Company and the Bank operate is changing in significant respects as a result of the Dodd-Frank Act, which was enacted in July 2010, and other regulations, including the separate regulatory capital requirements put forth by the Basel Committee on Banking Supervision, commonly known “Basel III.” Prior to January 1, 2015, the Company and the Bank were governed by a set of capital rules that the Federal Reserve have had in place since 1988, with some subsequent amendments and revisions.
 
On July 2, 2013, the Federal Reserve approved a final rule that establishes an integrated regulatory capital framework that addresses shortcomings in certain capital requirements. The rule, which became effective on January 1, 2015, implements in the United States the Basel III regulatory capital reforms from the Basel Committee on Banking Supervision and certain changes required by the Dodd-Frank Act.
 
 
8
 
 
The major provisions of the new rule applicable to the Company and the Bank are:
 
·  
The new rule implements higher minimum capital requirements, includes a new common equity tier1 capital requirement, and establishes criteria that instruments must meet in order to be considered common equity Tier I capital, additional Tier I capital, or Tier II capital. These enhancements will both improve the quality and increase the quantity of capital required to be held by banking organizations, better equipping the U.S. banking system to deal with adverse economic conditions. The new minimum capital to risk-weighted assets (RWA) requirements are a common equity Tier I capital ratio of 4.5% and a Tier I capital ratio of 6.0%, which is an increase from 4.0%, and a total capital ratio that remains at 8.0%. The minimum leverage ratio (Tier I capital to total assets) is 4.0%. The new rule maintains the general structure of the current prompt corrective action framework while incorporating these increased minimum requirements.
 
·  
The new rule improves the quality of capital by implementing changes to the definition of capital. Among the most important changes are stricter eligibility criteria for regulatory capital instruments that would disallow the inclusion of instruments such as trust preferred securities in Tier I capital going forward, and new constraints on the inclusion of minority interests, mortgage-servicing assets (MSAs), deferred tax assets (DTAs), and certain investments in the capital of unconsolidated financial institutions. In addition, the new rule requires that most regulatory capital deductions be made from common equity Tier I capital.
 
·  
Under the new rule, in order to avoid limitations on capital distributions, including dividend payments and certain discretionary bonus payments to executive officers, a banking organization must hold a capital conservation buffer composed of common equity Tier I capital above its minimum risk-based capital requirements. This buffer will help to ensure that banking organizations conserve capital when it is most needed, allowing them to better weather periods of economic stress. The buffer is measured relative to RWA. Phase-in of the capital conservation buffer requirements will begin on January 1, 2016. Initially, the minimum capital conservation buffer will be 0.625%, rising to 2.5% on January 1, 2019. A banking organization that fails to satisfy the minimum capital conservation buffer requirements will be subject to increasingly stringent limits on capital distributions or discretionary bonus payments. When the new rule is fully phased in, the minimum capital requirements plus the capital conservation buffer will exceed the well-capitalized thresholds under the prompt corrective action framework.
 
·  
The new rule also increases the risk weights for past-due loans, certain commercial real estate loans, and some equity exposures, and makes selected other changes in risk weights and credit conversion factors.
 
Dividend and Repurchase Limitations.  Federal regulations provide that the Company must obtain Federal Reserve approval prior to repurchasing its common stock for consideration 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 a “well capitalized” bank holding company; (ii) received a one or two rating in its last examination; and (iii) is not the subject of any unresolved supervisory issues.

The ability of the Company to pay dividends or repurchase shares may be dependent upon the Company's receipt of dividends from the Bank.  North Carolina commercial banks, such as the bank, are subject to legal limitations on the amounts of dividends they are permitted to pay.  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).
 
Deposit Insurance. The assessment paid by each Deposit Insurance Fund member institution is based on its relative risks of default as measured by regulatory capital ratios and other factors. Specifically, the assessment rate is based on the institution’s capitalization risk category and supervisory subgroup category. An institution’s capitalization risk category is based on the FDIC’s determination of whether the institution is well capitalized, adequately capitalized or less than adequately capitalized.

An institution’s supervisory subgroup category is based on the FDIC’s assessment of the financial condition of the institution and the probability that FDIC intervention or other corrective action will be required. The FDIC may terminate insurance of deposits upon a finding that an institution has engaged in unsafe and unsound practices, is in an unsafe or unsound condition to continue operations, or has violated any applicable law, regulation, rule, order or condition imposed by the FDIC.
 
 
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The Dodd-Frank Act expands the base for FDIC insurance assessments, requiring that assessments be based on the average consolidated total assets less tangible equity capital of a financial institution. On February 7, 2011, the FDIC approved a final rule to implement the foregoing provision of the Dodd-Frank Act. Among other things, the final rule revises the assessment rate schedule to provide assessments ranging from 5 to 35 basis points, with the initial assessment rates subject to adjustments which could increase or decrease the total base assessment rates. The FDIC has three possible adjustments to an institution’s initial base assessment rate: (i) a decrease of up to five basis points (or 50% of the initial base assessment rate) for long-term unsecured debt, including senior unsecured debt and subordinated debt; (ii) an increase for holding long-term unsecured or subordinated debt issued by other insured depository institutions known as the Depository Institution Debt Adjustment and (iii) for institutions not well rated and well capitalized, an increase not to exceed 10 basis points for brokered deposits in excess of 10 percent of domestic deposits.
 
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, 2014, 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 January 2014.
 
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 or financial holding company or savings bank holding company without prior approval of the Federal Reserve.  Similarly, Federal Reserve approval (or, in certain cases, non-objection) must be obtained prior to any person acquiring control of the Company.  Control is deemed to exist if, among other things, a person acquires 10% or more 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.
 
 
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Loans to One Borrower. The Bank is subject to the loans-to-one-borrower limits imposed by North Carolina law, 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, 2014, this limit was $17.1 million.    This limit is increased by an additional 10% of the Bank’s total equity capital, or $28.6 million as of December 31, 2014, 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.

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.
 
Sarbanes-Oxley Act of 2002.  The Sarbanes-Oxley Act of 2002 mandates for public companies a variety of reforms intended to address corporate and accounting fraud and provides for the establishment of the Public Company Accounting Oversight Board (the “PCAOB”) which enforces auditing, quality control and independence standards for firms that audit SEC-reporting companies. The Sarbanes-Oxley Act imposes higher standards for auditor independence and restricts the provision of consulting services by auditing firms to companies they audit and requires that certain audit partners be rotated periodically. It also requires chief executive officers and chief financial officers, or their equivalents, to certify the accuracy of periodic reports filed with the SEC, subject to civil and criminal penalties if they knowingly or willfully violate this certification requirement, and increases the oversight and authority of audit committees of publicly traded companies.
 
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 federal banking agencies 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 and establish operational and managerial, asset quality, earnings and stock valuation standards for insured depository institutions, as well as compensation standards.
 
 
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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, equal credit and 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.
 
If any of the following risks actually occur, the Company’s financial condition and results of operations could be materially and adversely affected.  If this were to happen, the value of the Company’s common stock could decline significantly, and you could lose all or part of your investment.

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, 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.
 
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, additional regulations are expected to be issued in 2015 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.
 
 
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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 the Company’s net income and profitability.
The Company is generally unable to control the amount of premiums that the Bank is required to pay for FDIC insurance. If there are bank or financial institution failures that exceed the FDIC’s 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, 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 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.

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 four executives averaging over 21 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.
 
 
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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).

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.
 
 
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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.

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. While we have policies and procedures designed to prevent or limit the effect of these possible events, there can be no assurance that any such failure, interruption or security breach will not occur or, if any does occur, that it can be sufficiently remediated.

There have been increasing efforts on the part of third parties, including through cyber-attacks, to breach data security at financial institutions or with respect to financial transactions. There have been several recent instances involving financial services and consumer-based companies reporting the unauthorized disclosure of client or customer information or the destruction or theft of corporate data. In addition, because the techniques used to cause such security breaches change frequently, often are not recognized until launched against a target and may originate from less regulated and remote areas around the world, we may be unable to proactively address these techniques or to implement adequate preventative measures. The ability of our customers to bank remotely, including online and through mobile devices, requires secure transmission of confidential information and increases the risk of data security breaches.
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.
 
 
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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.

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, 2014, commercial real estate loans comprised approximately 35% 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, 2014, commercial loans comprised approximately 12% of the Bank’s total loan portfolio.
 
 
 
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·  
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, 2014, construction and land development loans comprised approximately 9% 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, 2014, single-family residential loans comprised approximately 39% of the Bank’s total loan portfolio, including Banco de la Gente single-family residential stated income loans which were approximately 7% 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.

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.
 
 
17
 

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 became 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 will 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.

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.  These factors may also adversely affect the Company’s ability to raise capital in the open market if needed.  In addition, the Company cannot say with any certainty that a more active and liquid trading market for its common stock will develop.
 
 
18
 
 
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.
 
We may need additional access to capital, which it may be unable to obtain on attractive terms or at all.
We may need to incur additional debt or equity financing in the future to make strategic acquisitions or investments, for future growth or to fund losses or additional provision for loan losses in the future. Our ability to raise additional capital, if needed, will depend in part on conditions in the capital markets at that time, which are outside our control, and on our financial performance. Accordingly, we may be unable to raise additional capital, if and when needed, on terms acceptable to it, or at all. If we cannot raise additional capital when needed, our ability to further expand our operations through internal growth and acquisitions could be materially impaired and our stock price negatively affected.
 
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.
 
 
19
 

ITEM 2.            PROPERTIES

At December 31, 2014, the Company and the Bank conducted their business from the headquarters office in Newton, North Carolina, its Banco administrative office and its 21 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 loan production offices in Denver and Durham, North Carolina.  The following table sets forth certain information regarding the Bank’s properties at December 31, 2014.
 
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, North Carolina  28217
 
1074 River Highway
Mooresville, North Carolina 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
 
6350 South Boulevard
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, North Carolina  28110
 
9624-I Bailey Road
Cornelius, North Carolina  28031
 
4011 Capital Boulevard
Raleigh, North Carolina  27604
 
2000 Avondale Drive
Durham,  North Carolina  27704
 
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 Court has not acted on that request.  The Bank has filed, briefed and argued to the Court a motion for summary judgment.  The Court has not ruled on that motion.  The Bank continues to believe 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.
 
20
 
 
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 13, 2015, the Company had 696 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 closing market price for the Company’s common stock was $18.74 on March 13, 2015.

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
2014
Low Bid
  
High Bid
  
Per Share
 
First Quarter
 $ 14.18     16.40     0.04  
                     
 
Second Quarter
 $ 15.30     17.50     0.04  
                     
 
Third Quarter
 $ 16.00     17.01     0.04  
                     
 
Fourth Quarter
 $ 16.65     18.50     0.06  
                     
                 
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  
 
 
 
 
21
 
 
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, 2014.


COMPARISON OF SIX-YEAR CUMULATIVE TOTAL RETURNS
Performance Report for
Peoples Bancorp of North Carolina, Inc.
 
 
Stock Performance Graph for Dec 31, 2014
 
 
 
 
 
 
 
22
 
 
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   Maximum Number 
              Purchased as   (or Approximate 
              Part of   Dollar Value) of
    Total         Publicly   Shares that May
    Number of     Average     Announced   Yet Be Purchased
    Shares     Price Paid   Plans or   Under the Plans or
                           Period   Purchased     per Share   Programs (2)   Programs (3)
                   
January 1 - 31, 2014
   788   (1) $ 15.40   -      $ -   
                       
February 1 - 28, 2014
   291   (1)   15.72   -      $ -   
                       
March 1 - 31, 2014
   -          -      -      $ -   
                       
April 1 - 30, 2014
   551   (1)   17.50   -      $ -   
                       
May 1 - 31, 2014
   321   (1)   17.48   -      $ -   
                       
June 1 - 30, 2014
   382   (1)   17.00   -      $ -   
                       
July 1 - 31, 2014
   569   (1)   16.98   -      $ -   
                       
August 1 - 31, 2014
   588   (1)   16.71   -      $ -   
                       
September 1 - 30, 2014
   -          -      -      $ 2,000,000
                       
October 1 - 31, 2014
   909   (1)   17.28   -      $ 2,000,000
                       
November 1 - 30, 2014
   353   (1)   18.20   -      $ 2,000,000
                       
December 1 - 31, 2014
   4,537   (2)   18.15   4,537   $ 1,917,648
                       
 Total
   9,289     $ 17.49   4,537      
                       
(1) The Company purchased 4,752 shares on the open market in the year ended December 31, 2014 for its deferred compensation plan. All purchases were funded by participant contributions to the plan.
                       
(2) Reflects shares purchased under the Stock Repurchase Plan authorized by the Company's Board of Directors in September 2014.
                       
(3) Reflects dollar value of shares that may yet be purchased under the Stock Repurchase Plan authorized by the Company's Board of Directors in September 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-25 of the Annual Report, which section is included in this Form 10-K as Exhibit (13).
 
 
23
 
 
 
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-24 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-26 through A-62 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, 2014 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, 2014.  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 in 2013.  Based on our assessment and those criteria, management believes that the Company maintained effective internal control over financial reporting as of December 31, 2014.
 
   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.
 
 
24
 

 
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.

 
 
 
25
 
 
 
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
 77,365   $ 17.99   282,635
Equity compensation plans not approved by security holders
 -     -   -
Total
 77,365   $ 17.99   282,635
             
(1) 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 vest five years after issuance.
             
(2) Includes 26,795 restricted stock units granted on May 23, 2013 under the 2009 Omnibus Plan.  These restricted stock grants vest on May 23, 2017.
             
(3) Includes 21,056 restricted stock units granted on February 20, 2014 under the 2009 Omnibus Plan.  These restricted stock grants vest on February 20, 2017.
             
(4) The exercise price used for the grants of restricted stock units under the 2009 Omnibus Plan is $17.99, the closing price for the Company’s stock on December 31, 2014.
             
(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.

 
 
26
 
 
 
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, 2014 and 2013
       
   
( c)
Consolidated Statements of Earnings for the Years Ended December 31, 2014, 2013 and
     
2012
       
   
(d)
Consolidated Statements of Comprehensive Income (Loss) for the Years Ended
     
December 31, 2014, 2013 and 2012
       
   
(e)
Consolidated Statements of Changes in Shareholders' Equity for the Years Ended
     
December 31, 2014, 2013 and 2012
       
   
(f)
Consolidated Statements of Cash Flows for the Years Ended December 31, 2014, 2013
     
and 2012
       
   
(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 (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
 
 
 
27
 
 
 
  Exhibit (10(b) Employment Agreement between Peoples Bank and Joseph F. Beaman, Jr.
    incorporated by reference to Exhibit (10)(b) to the Form 10-K filed with the
    Securities and Exchange Commission on March 30, 2000
     
 
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)(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)(c)(iv) Employment Agreement dated January 22, 2015 between the Registrant and
    William D. Cable, Sr., incorporated by reference to Exhibit (10)(c) to the Form 8-K
    filed with the Securities and Exchange Commission on February 9, 2015
 
 
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
     
  Exhibit (10)(d)(iv) Employment Agreement dated January 22, 2015 between the Registrant and
    Lance A. Sellers, incorporated by reference to Exhibit (10)(a) to the Form 8-K
    filed with the Securities and Exchange Commission on February 9, 2015
     
 
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)(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)(f)(iv) Employment Agreement dated January 22, 2015 between the Registrant and
    A. Joseph Lampron, Jr., incorporated by reference to Exhibit (10(b) to the Form 8-K
    filed with the Securities and Exchange Commission on February 9, 2015
     
 
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
     
 
 
 
28
 
 
 
  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
     
 
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 (11)
Statement regarding computation of per share earnings
     
 
Exhibit (12)
Statement regarding computation of ratios
     
 
Exhibit (13)
2014 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
 
 
 
29
 
 
 
  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, 2014, 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.
 
 
 
 
30
 
 
 
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 25, 2015
 
 
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 25, 2015
Lance A. Sellers
  
(Principal Executive Officer)
    
         
/s/ James S. Abernethy
  
Director
  
March 25, 2015
James S. Abernethy
        
         
/s/ Robert C. Abernethy
  
Chairman of the Board and Director
  
March 25, 2015
Robert C. Abernethy
        
         
/s/ Douglas S. Howard
  
Director
  
March 25, 2015
Douglas S. Howard
        
         
/s/ A. Joseph Lampron, Jr.
  
Executive Vice President and Chief
  
March 25, 2015
A. Joseph Lampron, Jr.
  
Financial Officer (Principal Financial
    
   
and Principal Accounting Officer)
    
         
/s/ John W. Lineberger, Jr.
  
Director
  
March 25, 2015
John W. Lineberger, Jr.
  
 
    
         
/s/ Gary E. Matthews
  
Director
  
March 25, 2015
Gary E. Matthews
        
         
/s/ Billy L. Price, Jr., M.D.
  
Director
  
March 25, 2015
Billy L. Price, Jr., M.D.
        
         
/s/ Larry E. Robinson
  
Director
  
March 25, 2015
Larry E. Robinson
        
         
/s/ William Gregory Terry
  
Director
  
March 25, 2015
William Gregory Terry
        
         
/s/ Dan Ray Timmerman, Sr.
  
Director
  
March 25, 2015
Dan Ray Timmerman, Sr.
        
         
/s/ Benjamin I. Zachary
  
Director
  
March 25, 2015
Benjamin I. Zachary
        

 
 
31
 
 
 EX-11 2 exhibit11.htm EXHIBIT (11) exhibit11.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 exhibit12.htm EXHIBIT (12) exhibit12.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 exhibit13.htm EXHIBIT (13) exhibit13.htm
EXHIBIT (13)

The Annual Report to Security Holders is Appendix A to the Proxy Statement for the 2015 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 21 banking offices, as of December 31, 2014, located in Lincolnton, Newton, Denver, Catawba, Conover, Maiden, Claremont, Hiddenite, Hickory, Charlotte, Monroe, Cornelius, Mooresville and Raleigh, North Carolina.  The Bank also operates loan production offices in Denver and Durham, North Carolina.  At December 31, 2014, the Company had total assets of $1.0 billion, net loans of $640.8 million, deposits of $814.7 million, total securities of $285.1 million, and shareholders’ equity of $98.7 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 and fixed 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-25 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”).

At December 31, 2014, the Company employed 280 full-time employees and 37 part-time employees, which equated to 305 full-time equivalent employees.

Subsidiaries
The Bank is a subsidiary of the Company.  At December 31, 2014, the Bank had 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 March 2015, the Bank established a new wholly owned subsidiary, PB Real Estate Holdings, LLC, which will acquire, manage and dispose of real property, other collateral and other assets obtained in the ordinary course of collecting debts previously contracted.

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.

 
A-1
 

 
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 CBRES, a wholly owned subsidiary, 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
  
                     
 
2014
  
2013
  
2012
  
2011
  
2010
  
Summary of Operations
                    
Interest income
 $ 38,420   36,696   39,245   45,259   47,680  
Interest expense
   4,287   5,353   7,696   10,946   14,348  
Net interest earnings
   34,133   31,343   31,549   34,313   33,332  
Provision for loan losses
   (699 ) 2,584   4,924   12,632   16,438  
Net interest earnings after provision
                      
for loan losses
   34,832   28,759   26,625   21,681   16,894  
Non-interest income
   12,164   12,652   12,537   14,513   13,884  
Non-interest expense
   35,671   32,841   31,782   29,572   28,948  
Earnings before taxes
   11,325   8,570   7,380   6,622   1,830  
Income taxes
   1,937   1,879   1,587   1,463   (11 )
Net earnings
   9,388   6,691   5,793   5,159   1,841  
Dividends and accretion of preferred stock
   -     656   1,010   1,393   1,394  
Net earnings available to common
                      
shareholders
 $ 9,388   6,035   4,783   3,766   447  
                       
Selected Year-End Balances
                      
Assets
 $ 1,040,494   1,034,684   1,013,516   1,067,063   1,067,652  
Available for sale securities
   281,099   297,890   297,823   321,388   272,449  
Loans, net
   640,809   607,459   605,551   653,893   710,667  
Mortgage loans held for sale
   1,375   497   6,922   5,146   3,814  
Interest-earning assets
   956,900   925,736   931,738   1,004,131   1,010,983  
Deposits
   814,700   799,361   781,525   827,111   838,712  
Interest-bearing liabilities
   717,991   715,111   745,139   820,452   850,233  
Shareholders' equity
 $ 98,665   83,719   97,747   103,027   96,858  
Shares outstanding
   5,612,588   5,613,495   5,613,495   5,544,160   5,541,413  
                       
Selected Average Balances
                      
Assets
 $ 1,036,486   1,023,609   1,029,612   1,074,250   1,078,136  
Available for sale securities
   287,371   293,770   289,010   295,413   219,797  
Loans
   631,025   614,532   648,595   697,527   757,532  
Interest-earning assets
   949,537   950,451   965,994   1,015,451   999,054  
Deposits
   808,399   787,640   786,976   835,550   840,343  
Interest-bearing liabilities
   731,786   741,228   770,546   836,382   849,870  
Shareholders' equity
 $ 95,759   100,241   103,805   102,568   101,529  
Shares outstanding
   5,615,666   5,613,495   5,559,401   5,542,548   5,539,308  
                       
Profitability Ratios
                      
Return on average total assets
   0.91%   0.65%   0.56%   0.48%   0.17%  
Return on average shareholders' equity
   9.69%   6.67%   5.58%   5.03%   1.81%  
Dividend payout ratio*
   10.88%   11.17%   20.96%   11.78%   100.11%  
                       
Liquidity and Capital Ratios (averages)
                      
Loan to deposit
   78.06%   78.02%   82.42%   83.48%   90.15%  
Shareholders' equity to total assets
   9.24%   9.79%   10.08%   9.55%   9.42%  
                       
Per share of Common Stock
                      
Basic net income
 $ 1.67   1.08   0.86   0.68   0.08  
Diluted net income
 $ 1.66   1.07   0.86   0.68   0.08  
Cash dividends
 $ 0.18   0.12   0.18   0.08   0.08  
Book value
 $ 17.58   14.91   15.18   14.06   12.96  
                       
*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-26  through A-62.

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, 2014, 2013 and 2012.  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, Wake and Durham 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 more favorable in 2013 and 2014, 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 still well below pre-crisis levels, the primary indicators of economic activity for our markets continue to point to uncertain business conditions.

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 and continues to be 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. The Company expects growth to be achieved in its local markets and through expansion opportunities in contiguous or nearby markets.  While the Company would be willing to consider growth by acquisition in certain circumstances, it does not consider the acquisition of another company to be necessary for its continued ability to provide a reasonable return to its shareholders.  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 and experience of our Bank officers and managers.
 
 
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 2012, 2013 and 2014 earnings and will continue to have a negative impact on the Bank’s net interest income in future periods, if the Federal Funds Rate is not increased.

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 UST sold all of the Company’s Series A preferred stock in a public auction in June 2012.  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.  Remaining Series A preferred shares were redeemable at any time at par.  Also, during 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 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 was 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 2015 but will continue to look for growth opportunities in nearby markets and may expand if considered a worthwhile opportunity.

Summary of Significant and Critical 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 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 2014 Annual Report to Shareholders which is Appendix A to the Proxy Statement for the May 7, 2015 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”).
 
 
A-5
 

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 has an overall interest rate risk management strategy that has incorporated 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, 2014 or 2013.
 
  In November 2014, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) No. 2014-16, (Topic 815):  Determining Whether the Host Contract in a Hybrid Financial Instrument Issued in the Form of a Share Is More Akin to Debt or to Equity.  ASU No. 2014-16 provides more direction for determining whether embedded features, such as a conversion option embedded in a share of preferred stock, need to be accounted for separately from their host shares.  ASU No. 2014-16 is effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2015.  The adoption of this guidance is not expected to have a material impact on the Company’s results of operations, financial position or disclosures.

In November 2014, FASB issued ASU No. 2014-17, (Topic 805):  Pushdown Accounting (a consensus of the FASB Emerging Issues Task Force).  ASU No. 2014-17 gives acquired entities the option to apply pushdown accounting in their separate financial statements when an acquirer obtains control of them.  ASU No. 2014-17 was effective upon issuance for current and future reporting periods and any open reporting periods for which financial statements have not yet been issued.  The adoption of this guidance is not expected to have a material impact on the Company’s results of operations, financial position or disclosures.

In January 2015, FASB issued ASU No. 2015-01, (Subtopic 225-20):  Simplifying Income Statement Presentation by Eliminating the Concept of Extraordinary Items.  ASU No. 2015-01 eliminates the concept of extraordinary items from GAAP.  ASU No. 2015-01 is effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2015 .  The adoption of this guidance is not expected to have a material impact on the Company’s results of operations, financial position or disclosures.

In February 2015, FASB issued ASU No. 2015-02, (Topic 810):  Amendments to the Consolidation Analysis.  ASU No. 2015-02 provides amendments to respond to stakeholders’ concerns about the current accounting for consolidation of certain legal entities.  Stakeholders expressed concerns that GAAP might require a reporting entity to consolidate another legal entity in situations in which the reporting entity’s contractual rights do not give it the ability to act primarily on its own behalf, the reporting entity does not hold a majority of the legal entity’s voting rights, or the reporting entity is not exposed to a majority of the legal entity’s economic benefits or obligations.  ASU No. 2015-02 is effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2015.  The adoption of this guidance is not expected to have a material impact on the Company’s results of operations, financial position or disclosures.
 
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.
 
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.
 
 
A-6
 

Results of Operations
Summary.  The Company reported earnings of $9.4 million or $1.67 basic net earnings per share and $1.66 diluted net earnings per share for the year ended December 31, 2014, as compared to $6.7 million or $1.19 basic and diluted net earnings per share, before adjustment for preferred stock dividends and accretion, for the year ended December 31, 2013.  Net earnings available to common shareholders were $9.4 million or $1.67 basic net earnings per common share and $1.66 diluted net earnings per common share for the year ended December 31, 2014, as compared to $6.0 million or $1.08 basic net earnings per common share and $1.07 diluted net earnings per common share, for the year ended December 31, 2013.  The increase in year-to-date earnings is primarily attributable to an increase in net interest income and a decrease in the provision for loan losses, which were partially offset by an increase in non-interest expense and a decrease in non-interest income, as discussed below.

Net earnings available to common shareholders for 2013 represented an increase of 26% as compared to net earnings available to common shareholders for the year ended December 31, 2012 of $4.8 million or $0.86 basic and diluted net earnings per common share.  The increase in 2013 net earnings was 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.

The return on average assets in 2014 was 0.91%, compared to 0.65% in 2013 and 0.56% in 2012. The return on average shareholders’ equity was 9.69% in 2014 compared to 6.67% in 2013 and 5.58% in 2012.

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.

Net interest income for 2014 was $34.1 million compared to $31.3 million in 2013. This increase was primarily due to an increase in interest income resulting from an increase in the yield on investment securities and an increase in the average outstanding principal balance of loans combined with a decrease in interest expense resulting primarily from a reduction in the cost of funds.  Net interest income decreased in 2013 from $31.5 million in 2012.

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, 2014, 2013 and 2012.  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 total average 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 a tax equivalent basis using an effective tax rate of 37.96% for securities that are both federal and state tax exempt and an effective tax rate of 31.96% for federal 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.
 
 
A-7
 
 

Table 1- Average Balance Table
            
                                   
 
December 31, 2014
  
December 31, 2013
  
December 31, 2012
(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
 $ 631,025     30,305   4.80%   614,532     30,194   4.91%   648,595   32,758   5.05%
Investments - taxable
   120,038     2,840   2.37%   141,143     1,544   1.09%   188,625   2,901   1.54%
Investments - nontaxable*
   172,662     7,561   4.38%   158,535     7,070   4.46%   106,796   5,198   4.87%
Other
   25,812     65   0.25%   36,241     85   0.23%   21,977   51   0.23%
                                         
Total interest-earning assets
   949,537     40,771   4.29%   950,451     38,893   4.09%   965,993   40,908   4.23%
                                         
Cash and due from banks
   47,614             36,080             24,760        
Other assets
   52,245             51,239             55,618        
Allowance for loan losses
   (12,905 )           (14,161 )           (16,760 )      
                                         
Total assets
 $ 1,036,491             1,023,609             1,029,611        
                                         
                                         
Interest-bearing liabilities:
                                        
                                         
NOW, MMDA & savings deposits
 $ 392,822     499   0.13%   376,457     732   0.19%   351,748   1,180   0.34%
Time deposits
   208,194     1,188   0.57%   230,880     1,650   0.71%   282,218   3,205   1.14%
FHLB / FRB borrowings
   63,712     2,166   3.40%   69,740     2,518   3.61%   70,350   2,744   3.90%
Trust preferred securities
   20,619     389   1.89%   20,619     398   1.93%   20,619   438   2.12%
Other
   46,439     45   0.10%   43,532     55   0.13%   45,611   129   0.28%
                                         
Total interest-bearing liabilities
   731,786     4,287   0.59%   741,228     5,353   0.72%   770,546   7,696   1.00%
                                         
Demand deposits
   207,383             180,303             153,009        
Other liabilities
   4,771             4,860             4,746        
Shareholders' equity
   96,877             100,241             103,805        
                                         
Total liabilities and shareholder's equity
 $ 1,040,817             1,026,632             1,032,106        
                                         
Net interest spread
       $ 36,484   3.70%       $ 33,540   3.37%       33,212   3.23%
                                         
Net yield on interest-earning assets
             3.84%             3.53%           3.44%
                                         
Taxable equivalent adjustment
                                        
        Investment securities
       $ 2,351           $ 2,197           1,663    
                                         
Net interest income
       $ 34,133           $ 31,343           31,549    
                                         
* Includes U.S. Government agency securities that are non-taxable for state income tax purposes of $26.0 million in 2014, $20.2 million in 2013 and $5.3 million in 2012. Tax rates of 6.00%, 6.90% and 6.90% were used to calculate the tax equivalent yield on these securities in 2014, 2013 and 2012, respectively.
  
  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.
 
 
A-8
 
 

Table 2 - Rate/Volume Variance Analysis-Tax Equivalent Basis
          
                         
 
December 31, 2014
  
December 31, 2013
(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
 $ 801   (690 ) 111   $ (1,697 ) (867 ) (2,564 )
                             
Investments - taxable
   (365 ) 1,661   1,296     (625 ) (732 ) (1,357 )
Investments - nontaxable
   624   (133 ) 491     2,413   (541 ) 1,872  
Other
   (26 ) 5   (21 )   33   1   34  
Total interest income
   1,034   843   1,877     124   (2,139 ) (2,015 )
                             
Interest expense:
                            
NOW, MMDA & savings deposits
   26   (259 ) (233 )   65   (513 ) (448 )
Time deposits
   (146 ) (316 ) (462 )   (475 ) (1,080 ) (1,555 )
FHLB / FRB Borrowings
   (212 ) (140 ) (352 )   (23 ) (203 ) (226 )
Trust Preferred Securities
   -   (9 ) (9 )   -   (40 ) (40 )
Other
   3   (13 ) (10 )   (4 ) (70 ) (74 )
Total interest expense
   (329 ) (737 ) (1,066 )   (437 ) (1,906 ) (2,343 )
Net interest income
 $ 1,363   1,580   2,943   $ 561   (233 ) 328  
 
Net interest income on a tax equivalent basis totaled $36.5 million in 2014 as compared to $33.5 million in 2013.  The interest rate spread, which represents the rate earned on interest-earning assets less the rate paid on interest-bearing liabilities, was 3.70% in 2014, an increase from the 2013 net interest spread of 3.37%.  The net yield on interest-earning assets in 2014 increased to 3.84% from the 2013 net yield on interest-earning assets of 3.53%.

Tax equivalent interest income increased $1.9 million or 5% in 2014 primarily due to an increase in interest income resulting from an increase in the yield on investment securities and an increase in the average outstanding principal balance of loans.  The yield on interest-earning assets increased to 4.29% in 2014 from 4.09% in 2013.  The average outstanding principal balance of loans increased $16.5 million to $631.0 million in 2014 compared to $614.5 million in 2013.

Interest expense decreased $1.1 million or 20% in 2014 compared to 2013.  The increase in interest expense is primarily due to a decrease in the average rate paid on interest-bearing liabilities.  The cost of funds decreased to 0.59% in 2014 from 0.72% in 2013.  The 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.  Average interest-bearing liabilities decreased by $9.4 million to $731.8 million in 2014 compared to $741.2 million in 2013.  The decrease in average interest-bearing liabilities in 2014 was primarily attributable to a $22.7 million decrease in certificates of deposit, which was partially offset by a $16.4 million increase in interest-bearing checking and savings accounts.

In 2013 net interest income on a tax equivalent basis increased to $33.5 million from $33.2 million in 2012.  The interest rate spread 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%.

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 for the year ended December 31, 2014 was a credit of $699,000, as compared to an expense of $2.6 million for the year ended December 31, 2013.  The decrease in the provision for loan losses is primarily attributable to a $1.8 million decrease in net charge-offs during the year ended December 31, 2014 compared to the year ended December 31, 2013 and a $3.1 million reduction in non-accrual loans from December 31, 2013 to December 31, 2014.  The credit to provision for loan losses for the year ended December 31, 2014 resulted from, and was considered appropriate as part of, management’s assessment and estimate of the risks in the total loan portfolio and determination of the total allowance for loan losses.  The primary factors contributing to the
 
 
A-9
 
 
decrease in the allowance for loan losses at December 31, 2014 to $11.0 million from $13.5 million at December 31, 2013 were the continuing positive trends in indicators of potential losses on loans, primarily non-accrual loans and the reduction in net charge-offs since 2010, as shown in table 3 below:
 
Table 3 - Net Charge-off Analysis
                  
                                 
   
Net charge-offs
  
Net charge-offs as a percent of average loans
outstanding
   
Years ended December 31,
  
Years ended December 31,
(Dollars in thousands)
  
2014
  
2013
  
2012
  
2011
  
2010
  
2014
2013
2012
2011
2010
Real estate loans
                                
Construction and land development
 $ 456   400   4,201   6,923   10,135   0.78% 0.58% 4.99% 6.40% 6.84%
Single-family residential
   237   1,613   814   2,049   2,853   0.12% 0.82% 0.39% 0.91% 1.21%
Single-family residential -
                                
Banco de la Gente stated income
   174   132   668   675   425   0.36% 0.26% 1.25% 1.23% 0.77%
Commercial
   119   395   563   1,247   753   0.05% 0.20% 0.27% 0.59% 0.35%
Multifamily and farmland
   -     -     -     -     -     0.00% 0.00% 0.00% 0.00% 0.00%
Total real estate loans
   986   2,540   6,246   10,894   14,166   0.18% 0.48% 1.12% 1.80% 2.14%
    -     -     -     -     -              
Loans not secured by real estate
                                
Commercial loans
   376   458   451   193   1,668   0.53% 0.73% 0.75% 0.34% 2.61%
Farm loans
   -     -     -     -     -     0.00% 0.00% 0.00% 0.00% 0.00%
Consumer loans (1)
   358   508   408   434   524   3.63% 5.27% 4.00% 4.05% 4.40%
All other loans
   -     -     -     -     -     0.00% 0.00% 0.00% 0.00% 0.00%
Total loans
 $ 1,720   3,506   7,105   11,521   16,358   0.27% 0.57% 1.10% 1.65% 2.16%
                                 
Provision for loan losses for the period
 $ (699 ) 2,584   4,924   12,632   16,438            
                                 
Allowance for loan losses at end of period
 $ 11,082   13,501   14,423   16,604   15,493            
                                 
Total loans at end of period
 $ 651,891   620,960   619,974   670,497   726,160            
                                 
Non-accrual loans at end of period
 $ 10,728   13,836   17,630   21,785   40,062            
                                 
Allowance for loan losses as a percent of
                            
total loans outstanding at end of period
   1.70%   2.17%   2.33%   2.48%   2.13%            
                                 
Non-accrual loans as a percent of
                                
total loans outstanding at end of period
   1.65%   2.23%   2.84%   3.25%   5.52%            
                                 
(1) The loss ratio for Consumer loans is elevated because overdraft charge-offs related to DDA and NOW accounts are reported in Consumer Loan charge-offs and recoveries. The net overdraft charge-offs are not considered material and are therefore not shown separately.
 
Another factor considered in taking a credit to provision expense in the year ended December 31, 2014 was the continuing decline in the construction and land development portfolio.  This portfolio has experienced the highest percentage of loss from 2010 through 2012 as shown in the table above.  The balance outstanding declined to $57.6 million at December 31, 2014 from $63.7 million at December 31, 2013, continuing the decline in this portfolio from the maximum balance of $213.7 million at December 31, 2008.   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.

Non-Interest Income.  Non-interest income was $12.2 million for the year ended December 31, 2014, compared to $12.7 million for the year ended December 31, 2013.  The decrease in non-interest income is primarily attributable to a $348,000 decrease in gains on the sale of securities, a $424,000 decrease in mortgage banking income and a $59,000 decrease in miscellaneous non-interest income, and was partially offset by a $303,000 increase in service charges and fees for the year ended December 31, 2014, as compared to the year ended December 31, 2013.

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.  The increase in non-interest income 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.

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 2014, 2013 or 2012.

Net losses on other real estate and repossessed assets were $622,000, $581,000 and $1.1 million for the years ended December 31, 2014, 2013 and 2012, respectively.  The increased level of net losses on other real estate and repossessed assets during 2012 was primarily attributable to increased write-downs on foreclosed property during the year ended December 31, 2012.  Management determined that the market value of these assets had decreased significantly and charges were appropriate in 2012.
 
 
A-10
 

Table 4 presents a summary of non-interest income for the years ended December 31, 2014, 2013 and 2012.
 
Table 4 - Non-Interest Income
            
             
(Dollars in thousands)
2014
  
2013
  
2012
  
Service charges
 $ 4,961   4,566   4,764  
Other service charges and fees
   1,080   1,172   1,940  
Gain on sale of securities
   266   614   1,218  
Mortgage banking income
   804   1,228   1,229  
Insurance and brokerage commissions
   701   661   517  
Loss on sale and write-down of other real estate
   (622 ) (581 ) (1,136 )
Visa debit card income
   3,170   2,990   2,092  
Net appraisal management fee income
   525   718   737  
Miscellaneous
   1,279   1,284   1,176  
Total non-interest income
 $ 12,164   12,652   12,537  
                                                                                                                                  
Non-Interest Expense.  Non-interest expense was $35.7 million for the year ended December 31, 2014, as compared to $32.8 million for the year ended December 31, 2013.  The increase in non-interest expense included: (1) a $679,000 increase in salaries and benefits expense resulting primarily from an increase in the number of full-time equivalent employees, salary increases and an increase in incentive expense, (2) a $712,000 increase in occupancy expense primarily due to a $205,000 increase in building maintenance expense and a $529,000 increase in depreciation expense and (3) a $1.4 million increase in non-interest expenses other than salary, employee benefits and occupancy expenses primarily due to a $710,000 increase in amortization expense associated with North Carolina income tax credits and a $339,000 increase in prepayment penalties on Federal Home Loan Bank ("FHLB") borrowings during the year ended December 31, 2014, as compared to the year ended December 31, 2013.   Non-interest expense was $32.8 million for 2013 compared to $31.8 million for 2012.  The increase in non-interest expense is primarily due to the $530,000 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 an increase in salaries, 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.

Table 5 presents a summary of non-interest expense for the years ended December 31, 2014, 2013 and 2012.
 
Table 5 - Non-Interest Expense
            
             
(Dollars in thousands)
2014
  
2013
  
2012
  
Salaries and employee benefits
 $ 17,530   16,851   16,426  
Occupancy expense
   6,251   5,539   5,236  
Office supplies
   448   498   369  
FDIC deposit insurance
   739   864   894  
Visa debit card expense
   905   823   729  
Professional services
   798   632   560  
Postage
   280   230   284  
Telephone
   574   570   554  
Director fees and expense
   237   246   266  
Advertising
   804   685   695  
Consulting fees
   609   468   499  
Taxes and licenses
   301   307   325  
Foreclosure/OREO expense
   317   356   677  
Internet banking expense
   644   568   593  
FHLB advance prepayment penalty
   869   530   -  
Other operating expense
   4,365   3,674   3,675  
Total non-interest expense
 $ 35,671   32,841   31,782  
 
Income Taxes.  The Company reported income tax expense of $1.9 million, $1.9 million and $1.6 million for the years ended December 31, 2014, 2013 and 2012, respectively.  The Company’s effective tax rates were 17.10%, 21.93% and 21.50% in 2014, 2013 and 2012, respectively.  The lower effective tax rate for 2014 is primarily due to North Carolina income tax credits purchased during 2014.
 
 
A-11
 

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, 2014, such unfunded commitments to extend credit were $168.7 million, while commitments in the form of standby letters of credit totaled $3.9 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, 2014, the Company’s core deposits totaled $708.1 million, or 87% 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 5.90% as of December 31, 2014.
 
At December 31, 2014, the Bank had a significant amount of deposits in amounts greater than $250,000.  Brokered deposits, of $11.0 million at December 31, 2014, are comprised of certificates of deposit participated through the Certificate of Deposit Account Registry Service (“CDARS”) on behalf of local customers.  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.”
 
The Bank has a line of credit with the FHLB equal to 20% of the Bank’s total assets, with an outstanding balance of $50.0 million at December 31, 2014.  At December 31, 2014, the carrying value of loans pledged as collateral totaled approximately $126.0 million.  The remaining availability under the line of credit with the FHLB was $27.7 million at December 31, 2014.  The Bank had no borrowings from the FRB at December 31, 2014.  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, 2014, the carrying value of loans pledged as collateral to the FRB totaled approximately $340.5 million.

The Bank also had the ability to borrow up to $54.5 million for the purchase of overnight federal funds from five correspondent financial institutions as of December 31, 2014.

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 31.76%, 35.65% and 35.14% at December 31, 2014, 2013 and 2012, respectively.  The minimum required liquidity ratio as defined in the Bank’s Asset/Liability and Interest Rate Risk Management Policy for on balance sheet liquidity was 10% at December 31, 2014, 2013 and 2012.

As disclosed in the Company’s Consolidated Statements of Cash Flows included elsewhere herein, net cash provided by operating activities was approximately $14.4 million during 2014.  Net cash used in investing activities was $11.9 million during 2014 and net cash used in financing activities was $10.2 million during 2014.

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 6 presents an interest rate sensitivity analysis for the interest-earning assets and interest-bearing liabilities for the year ended December 31, 2014.
 
 
A-12
 
 

Table 6 - 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
 $ 298,701   12,737   91   311,529   340,362   651,891
Mortgage loans held for  sale
   1,375   -   -   1,375   -   1,375
Investment securities available for sale
   -   6,367   17,090   23,457   257,642   281,099
Interest-bearing deposit accounts
   17,885   -   -   17,885   -   17,885
Other interest-earning assets
   -   -   -   -   4,650   4,650
Total interest-earning assets
   317,961   19,104   17,181   354,246   602,654   956,900
                         
Interest-bearing liabilities:
                        
NOW, savings, and money market deposits
   407,504   -   -   407,504   -   407,504
Time deposits
   24,102   25,806   81,093   131,001   65,437   196,438
FHLB borrowings
   -   50,000   -   50,000   -   50,000
Securities sold under
                        
agreement to repurchase
   48,430   -   -   48,430   -   48,430
Trust preferred securities
   -   20,619   -   20,619   -   20,619
Total interest-bearing liabilities
   480,036   96,425   81,093   657,554   65,437   722,991
                         
Interest-sensitive gap
 $ (162,075 ) (77,321 ) (63,912 ) (303,308 ) 537,217   233,909
                         
Cumulative interest-sensitive gap
 $ (162,075 ) (239,396 ) (303,308 ) (303,308 ) 233,909    
                         
Interest-earning assets as a percentage of interest-bearing liabilities
                
    66.24%   19.81%   21.19%   53.87%   920.97%    
 
 
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 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 AFS 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, 2014 totaled $956.9 million, exceeding rate sensitive liabilities of $723.0 million by $233.9 million.

Included in the rate sensitive assets are $288.6 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, 2014, the Bank had $195.1 million in loans with interest rate floors.  The floors were in effect on $192.8 million of these loans pursuant to the terms of the promissory notes on these loans.   The weighted average rate on these loans is 0.93% 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, 2014.

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.
 
 
A-13
 

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, 2014, the market value of AFS securities totaled $281.1 million, compared to $297.9 million and $297.8 million at December 31, 2013 and 2012, respectively.  Table 7 presents the fair value of the AFS securities held at December 31, 2014, 2013 and 2012.

Table 7 - Summary of Investment Portfolio
          
           
(Dollars in thousands)
2014
  
2013
  
2012
U. S. Government sponsored enterprises
 $ 34,048   22,143   18,837
State and political subdivisions
   152,246   145,368   125,658
Mortgage-backed securities
   90,210   123,977   148,024
Corporate bonds
   2,467   3,463   2,586
Trust preferred securities
   750   1,250   1,250
Equity securities
   1,378   1,689   1,468
Total securities
 $ 281,099   297,890   297,823
 
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 $287.4 million in 2014, $293.8 million in 2013 and $289.0 million in 2012.  Table 8 presents the amortized cost of AFS securities held by the Company by maturity category at December 31, 2014.   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 of 37.96% for securities that are both federal and state tax exempt and an effective tax rate of 31.96% for federal tax exempt securities.

Table 8 - 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
 $ 1,236   1.45%   4,425   2.48%   18,875   2.51%   9,512   2.34%   34,048   2.86%
State and political subdivisions
   2,583   3.18%   36,674   3.12%   101,510   3.23%   11,479   3.43%   152,246   3.41%
Mortgage-backed securities
   19,134   2.53%   41,971   2.69%   15,000   2.66%   14,105   2.94%   90,210   2.23%
Corporate bonds
   504   1.45%   949   1.43%   1,014   1.24%   -   -   2,467   2.32%
Trust preferred securities
   -   -   -   -   500   4.30%   250   8.11%   750   5.57%
Equity securities
   -   -   -   -   -   -   1,378   0.00%   1,378   0.00%
Total securities
 $ 23,457   2.43%   84,019   2.73%   136,899   2.72%   36,724   2.84%   281,099   2.73%
 
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, Wake and Durham 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, 2014, the Bank had $106.4 million in residential mortgage loans, $89.2 million in home equity loans and $298.5 million in commercial mortgage loans, which include $240.4 million using commercial property as collateral and $58.1 million using residential property as collateral.   Residential mortgage loans include $59.4 million made to customers in the Bank’s traditional banking offices and $47.0 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.
 
 
A-14
 

At December 31, 2014, the Bank had $57.6 million in construction and land development loans.  Table 9 presents a breakout of these loans.

Table 9 - Construction and Land Development Loans
          
           
(Dollars in thousands)
Number of
Loans
  
Balance
Outstanding
  
Non-accrual
Balance
Land acquisition and development - commercial purposes
 61   $ 11,460   36
Land acquisition and development - residential purposes
 275     33,870   3,818
1 to 4 family residential construction
 56     9,637   -
Commercial construction
 6     2,650   -
Total acquisition, development and construction
 398   $ 57,617   3,854
 
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 eight county service area, with no geographic concentration.  At December 31, 2014, there were 23 mortgage loans originated in the traditional banking offices with an aggregate outstanding balance of $2.5 million that were 30 days or more past due and 18 loans with an aggregate outstanding balance of $1.5 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, 2014, 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, 2014, there were 87 loans with an aggregate outstanding balance of $8.5 million 30 days or more past due and 21 loans with an aggregate outstanding balance of $1.5 million in non-accrual.  Total losses on this portfolio, since the first loans were originated in 2004, have amounted to approximately $3.7 million through December 31, 2014.

The composition of the Bank’s loan portfolio is presented in Table 10.
 
Table 10 - Loan Portfolio
                                  
                                       
 
2014
  
2013
  
2012
  
2011
  
2010
(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
 $ 57,617   8.84%   63,742   10.27%   73,176   11.80%   93,812   13.99%   124,048   17.08%
Single-family residential
   206,417   31.66%   195,975   31.56%   195,003   31.45%   212,993   31.77%   232,294   31.99%
Single-family residential- Banco de la
                                        
Gente stated income
   47,015   7.21%   49,463   7.97%   52,019   8.39%   54,058   8.06%   55,013   7.58%
Commercial
   228,558   35.06%   209,287   33.70%   200,633   32.36%   214,415   31.98%   213,487   29.40%
Multifamily and farmland
   12,400   1.90%   11,801   1.90%   8,951   1.44%   4,793   0.71%   6,456   0.89%
Total real estate loans
   552,007   84.68%   530,268   85.39%   529,782   85.45%   580,071   86.51%   631,298   86.94%
                                         
Loans not secured by real estate
                                        
Commercial loans
   76,262   11.71%   68,047   10.97%   64,295   10.38%   60,646   9.05%   60,994   8.40%
Farm loans
   7   0.00%   19   0.00%   11   0.00%   -   0.00%   -   0.00%
Consumer loans
   10,060   1.54%   9,593   1.54%   10,148   1.64%   10,490   1.56%   11,500   1.58%
All other loans
   13,555   2.08%   13,033   2.10%   15,738   2.54%   19,290   2.88%   22,368   3.08%
Total loans
   651,891   100.00%   620,960   100.00%   619,974   100.00%   670,497   100.00%   726,160   100.00%
                                         
Less: Allowance for loan losses
   11,082       13,501       14,423       16,604       15,493    
                                         
Net loans
 $ 640,809       607,459       605,551       653,893       710,667    
 
As of December 31, 2014, gross loans outstanding were $651.9 million, compared to $621.0 million at December 31, 2013.  Loans originated or renewed during the year ended December 31, 2014, amounting to approximately $195.0 million, were offset by paydowns and payoffs of existing loans.  Average loans represented 66% and 65% of total earning assets for the years ended December 31, 2014 and 2013, respectively.  The Bank had $1.4 million and $497,000 in mortgage loans held for sale as of December 31, 2014 and 2013, respectively.
 
 
A-15
 

TDR loans amounted to $15.0 million and $21.9 million at December 31, 2014 and 2013, 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 $1.4 million and $355,000 in performing loans classified as TDR loans at December 31, 2014 and 2013, respectively.

Table 11 identifies the maturities of all loans as of December 31, 2014 and addresses the sensitivity of these loans to changes in interest rates.

Table 11 - 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
 $ 47,732   7,815   2,070   57,617
Single-family residential
   101,734   58,069   46,614   206,417
Single-family residential- Banco de la Gente
                
stated income
   19,215   -   27,800   47,015
Commercial
   103,449   72,907   52,202   228,558
Multifamily and farmland
   3,747   4,584   4,069   12,400
Total real estate loans
   275,877   143,375   132,755   552,007
                 
Loans not secured by real estate
                
Commercial loans
   47,603   18,394   10,265   76,262
Farm loans
   1   6   -   7
Consumer loans
   4,272   5,262   526   10,060
All other loans
   9,164   2,833   1,558   13,555
Total loans
 $ 336,917   169,870   145,104   651,891
                 
Total fixed rate loans
 $ 25,388   141,605   145,104   312,097
Total floating rate loans
   311,529   28,265   -   339,794
                 
Total loans
 $ 336,917   169,870   145,104   651,891
 
                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, 2014, outstanding loan commitments totaled $172.6 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 collectability 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
 
 
A-16
 
 
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.

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, and loans in process of litigation or liquidation.  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 provision for loan losses charged or credited to earnings is based upon management’s judgment of the amount necessary to maintain the allowance at a level appropriate to absorb probable incurred losses in the loan portfolio at the balance sheet date.  The amount each quarter is dependent upon many factors, including growth and changes in the composition of the loan portfolio, net charge-offs, delinquencies, management’s assessment of loan portfolio quality, the value of collateral, and other macro-economic factors and trends.  The evaluation of these factors is performed quarterly by management through an analysis of the appropriateness of 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, three, four or five 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.
 
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, 2014 as compared to the year ended December 31, 2013.   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.
 
 
A-17
 
 
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.  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.  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.

Net charge-offs for 2014 and 2013 were $1.7 million and $3.5 million, respectively.  The ratio of net charge-offs to average total loans was 0.27% in 2014, 0.57% in 2013 and 1.10% in 2012.  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 2009 through 2013 as compared to historical periods prior to 2009.  The year ended December 31, 2014 saw a return of net charge-offs to pre-crisis levels.  Management expects this to continue in 2015. The allowance for loan losses was $11.1 million or 1.7% of total loans outstanding at December 31, 2014.  For December 31, 2013 and 2012, the allowance for loan losses amounted to $13.5 million or 2.17% of total loans outstanding and $14.4 million, or 2.33% of total loans outstanding, respectively.

Table 12 presents the percentage of loans assigned to each risk grade at December 31, 2014 and 2013.

Table 12 - Loan Risk Grade Analysis
      
 
Percentage of Loans
 
By Risk Grade
Risk Grade
2014
  
2013
Risk Grade 1 (Excellent Quality)
2.18%
  
2.40%
Risk Grade 2 (High Quality)
22.30%
  
18.82%
Risk Grade 3 (Good Quality)
50.76%
  
49.49%
Risk Grade 4 (Management Attention)
16.54%
  
18.69%
Risk Grade 5 (Watch)
4.62%
  
5.05%
Risk Grade 6 (Substandard)
3.30%
  
5.25%
Risk Grade 7 (Doubtful)
0.00%
  
0.00%
Risk Grade 8 (Loss)
0.00%
  
0.00%
 
 
 
A-18
 
 
Table 13 presents an analysis of the allowance for loan losses, including charge-off activity.

Table 13 - Analysis of Allowance for Loan Losses
                  
                   
(Dollars in thousands)
2014
  
2013
  
2012
  
2011
  
2010
Allowance for loan losses at beginning
 $ 13,501   $ 14,423   16,604   15,493   15,413
                       
Loans charged off:
                      
Commercial
   430     502   555   314   1,730
Real estate - mortgage
   789     2,441   2,491   4,196   4,194
Real estate - construction
   884     777   4,728   7,164   10,224
Consumer
   534     652   557   586   763
Total loans charged off
   2,637     4,372   8,331   12,260   16,911
                       
Recoveries of losses previously charged off:
                      
Commercial
   54     44   104   121   62
Real estate - mortgage
   259     302   446   225   162
Real estate - construction
   428     377   528   241   89
Consumer
   176     143   148   152   240
Total recoveries
   917     866   1,226   739   553
Net loans charged off
   1,720     3,506   7,105   11,521   16,358
                       
Provision for loan losses
   (699 )   2,584   4,924   12,632   16,438
                       
Allowance for loan losses at end of year
 $ 11,082   $ 13,501   14,423   16,604   15,493
                       
Loans charged off net of recoveries, as
                      
a percent of average loans outstanding
   0.27%     0.57%   1.10%   1.65%   2.16%
                       
Allowance for loan losses as a percent
                      
of total loans outstanding at end of year
   1.70%     2.17%   2.33%   2.48%   2.13%
 
Non-performing Assets.  Non-performing assets declined to $12.7 million or 1.2% of total assets at December 31, 2014, compared to $16.4 million or 1.6% of total assets at December 31, 2013.  The decline in non-performing assets is due to a $3.1 million decrease in non-accrual loans and a $882,000 decrease in loans 90 days past due and still accruing, and was partially offset by a $337,000 increase in other real estate owned.  Non-performing loans include $3.9 million in construction and land development loans, $6.6 million in commercial and residential mortgage loans and $251,000 in other loans at December 31, 2014, as compared to $6.5 million in construction and land development loans, $7.9 million in commercial and residential mortgage loans and $277,000 in other loans at December 31, 2013.  The Bank had no loans 90 days past due and still accruing as of December 31, 2014.  The Bank had loans 90 days past due and still accruing totaling $882,000 as of December 31, 2013.  Other real estate owned totaled $2.0 million and $1.7 million as of December 31, 2014 and 2013, respectively. The Bank had no repossessed assets as of December 31, 2014 and 2013.

At December 31, 2014, the Bank had non-performing loans, defined as non-accrual and accruing loans past due more than 90 days, of $10.7 million or 1.65% of total loans.  Non-performing loans at December 31, 2013 were $14.7 million, or 2.37% 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.    Management does expect the trend of declining levels of non-accrual loans to continue in 2015.

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-19
 

A summary of non-performing assets at December 31 for each of the years presented is shown in Table 14.

Table 14 - Non-performing Assets
                  
                   
(Dollars in thousands)
2014
  
2013
  
2012
  
2011
  
2010
Non-accrual loans
 $ 10,728   $ 13,836   $ 17,630   21,785   40,062
Loans 90 days or more past due and still accruing
   -     882     2,403   2,709   210
Total non-performing loans
   10,728     14,718     20,033   24,494   40,272
All other real estate owned
   2,016     1,679     6,254   7,576   6,673
Repossessed assets
   -     -     10   -   -
Total non-performing assets
 $ 12,744   $ 16,397   $ 26,297   32,070   46,945
                         
As a percent of total loans at year end
                        
Non-accrual loans
   1.65%     2.23%     2.84%   3.25%   5.52%
Loans 90 days or more past due and still accruing
   0.00%     0.14%     0.39%   0.40%   0.03%
                         
Total non-performing assets
                        
as a percent of total assets at year end
   1.22%     1.58%     2.60%   3.01%   4.40%
                         
Total non-performing loans
                        
 as a percent of total loans at year-end
   1.65%     2.37%     3.23%   3.65%   5.55%
 
         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, 2014, total deposits were $814.7 million, compared to $799.4 million at December 31, 2013.  Core deposits, which include demand deposits, savings accounts and non-brokered certificates of deposits of denominations less than $250,000, amounted to $755.8 million at December 31, 2014, compared to $735.1 million at December 31, 2013.

Time deposits in amounts of $250,000 or more totaled $47.9 million and $49.2 million at December 31, 2014 and 2013, respectively.  At December 31, 2014, brokered deposits amounted to $11.4 million as compared to $15.1 million at December 31, 2013.  CDARS balances included in brokered deposits amounted to $11.0 million and $15.1 million as of December 31, 2014 and 2013, 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, 2014 have a weighted average rate of 0.13% with a weighted average original term of 11 months.

Table 15 is a summary of the maturity distribution of time deposits in amounts of $100,000 or more as of December 31, 2014.

Table 15 - Maturities of Time Deposits over $100,000
  
   
(Dollars in thousands)
2014
Three months or less
 $ 28,149
Over three months through six months
   14,427
Over six months through twelve months
   27,023
Over twelve months
   36,854
Total
 $ 106,453
 
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, 2014 and 2013, FHLB borrowings totaled $50.0 million and $65.0 million, respectively.  Average FHLB borrowings for 2014 and 2013 were $63.7 million and $69.7 million, respectively. The maximum amount of outstanding FHLB borrowings was $65.0 million in 2014 and $70.0 million in 2013. The FHLB borrowings outstanding at December 31, 2014 had interest rates ranging from 1.79% to 3.64% and 2018 maturity dates.  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, 2014 and 2013.  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, 2014, the carrying value of loans pledged as collateral totaled approximately $340.5 million.
 
 
A-20
 
 
Securities sold under agreements to repurchase amounted to $48.1 million and $45.4 million as of December 31, 2014 and 2013, respectively.

Junior subordinated debentures amounted to $20.6 million as of December 31, 2014 and 2013.

Contractual Obligations and Off-Balance Sheet Arrangements.  The Company’s contractual obligations and other commitments as of December 31, 2014 are summarized in Table 16 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.

Table 16 - 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
 $ -   -   50,000   -   50,000
Junior subordinated debentures
   -   -   -   20,619   20,619
Operating lease obligations
   600   1,140   991   1,854   4,585
Total
 $ 600   1,140   50,991   22,473   75,204
                     
Other Commitments
                    
Commitments to extend credit
 $ 71,687   16,928   18,109   62,009   168,733
Standby letters of credit
                    
and financial guarantees written
   3,911   -   -   -   3,911
Total
 $ 75,598   16,928   18,109   62,009   172,644
 
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-12 and in Notes 1, 10 and 15 to the Consolidated Financial Statements.

Capital Resources.  Shareholders’ equity was $98.7 million, or 9.5% of total assets, as of December 31, 2014, compared to $83.7 million, or 8.1% of total assets, as of December 31, 2013.  The increase in shareholders' equity is primarily due to an increase in retained earnings and an increase in accumulated other comprehensive income resulting from an increase 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 was 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.

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 9.35%, 9.79% and 10.08% for 2014, 2013 and 2012, respectively.   The return on average shareholders’ equity was 9.69% at December 31, 2014 as compared to 6.67% and 5.58% at December 31, 2013 and December 31, 2012, respectively.  Total cash dividends paid on common stock amounted to $1.0 million, $677,000 and $1.0 million during 2014, 2013 and 2012, respectively.  The Company did not pay any dividends on preferred stock during 2014.

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.
 
 
A-21
 
 
In September 2014, the Company’s Board of Directors authorized a stock repurchase program, pursuant to which up to $2 million will be allocated to repurchase the Company’s common stock.  Any purchases under the Company’s stock repurchase program may be made periodically as permitted by securities laws and other legal requirements in the open market or in privately negotiated transactions.  The timing and amount of any repurchase of shares will be determined by the Company’s management, based on its evaluation of market conditions and other factors.  The repurchase program may be suspended at any time or from time-to-time without prior notice.  The Company has repurchased $82,000, or 4,537 shares, of its common stock under this program as of December 31, 2014.

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, 2014, 2013 and 2012 includes $20.0 million in trust preferred securities. The Company’s Tier 1 capital ratio was 15.33%, 14.83% and 16.04% at December 31, 2014, 2013 and 2012, 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 16.62%, 16.14% and 17.34% at December 31, 2014, 2013 and 2012, 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 10.74%, 10.08% and 11.12% at December 31, 2014, 2013 and 2012, respectively.

The Bank’s Tier 1 risk-based capital ratio was 14.78%, 14.43% and 15.54% at December 31, 2014, 2013 and 2012, respectively.  The total risk-based capital ratio for the Bank was 16.06%, 15.73% and 16.84% at December 31, 2014, 2013 and 2012, respectively.   The Bank’s Tier 1 leverage capital ratio was 10.33%, 9.79% and 10.76% at December 31, 2014, 2013 and 2012, 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, 2014, 2014 and 2012.

On July 2, 2014, 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 became effective on January 1, 2015.

The Company’s key equity ratios as of December 31, 2014, 2013 and 2012 are presented in Table 17.
 
Table 17 - Equity Ratios
          
           
 
2014
  
2013
  
2012
Return on average assets
 0.91%   0.65%   0.56%
Return on average equity
 9.69%   6.67%   5.58%
Dividend payout ratio *
 10.76%   11.17%   20.96%
Average equity to average assets
 9.35%   9.79%   10.08%
           
* As a percentage of net earnings available to common shareholders.
          
 
 
 
A-22
 
 
Quarterly Financial Data.  The Company’s consolidated quarterly operating results for the years ended December 31, 2014 and 2013 are presented in Table 18.

Table 18 - Quarterly Financial Data
                        
                               
 
2014
  
2013
(Dollars in thousands, except per share amounts)
First
  
Second
  
Third
  
Fourth
  
First
  
Second
  
Third
  
Fourth
Total interest income
 $ 9,545   9,576   9,583   9,716   $ 9,103   8,909   9,188   9,496
Total interest expense
   1,111   1,085   1,076   1,015     1,463   1,372   1,285   1,233
Net interest income
   8,434   8,491   8,507   8,701     7,640   7,537   7,903   8,263
                                   
Provision for loan losses
   (349 ) 67   256   (673 )   1,053   773   337   421
Other income
   2,841   3,110   3,207   3,006     3,427   3,309   3,111   2,805
Other expense
   8,123   8,067   8,541   10,940     7,738   7,979   7,889   9,235
Income before income taxes
   3,501   3,467   2,917   1,440     2,276   2,094   2,788   1,412
                                   
Income taxes
   923   916   475   (377 )   518   461   870   30
Net earnings
   2,578   2,551   2,442   1,817     1,758   1,633   1,918   1,382
                                   
Dividends and accretion of preferred stock
   -   -   -   -     157   156   156   187
Net earnings available
                                  
to common shareholders
 $ 2,578   2,551   2,442   1,817   $ 1,601   1,477   1,762   1,195
                                   
                                   
Basic earnings per common share
   0.46   0.45   0.43   0.33   $ 0.29   0.26   0.31   0.22
Diluted earnings per common share
 $ 0.46   0.45   0.43   0.32   $ 0.29   0.26   0.31   0.21
 
 
 
A-23
 
 
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, 2014, 2013 and 2012, 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 19 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, 2014. 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, 2014.  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 19 - Market Risk Table
                  
                         
(Dollars in thousands)
Principal/Notional Amount Maturing in Year Ended December 31,
Loans Receivable
2015
  
2016
  
2017
  
2018 &
2019
  
Thereafter
  
Total
Fair Value
Fixed rate
 $ 56,228   44,450   37,221   78,116   96,082   312,097 304,914
Average interest rate
   5.1%1   4.96%   4.84%   4.88%   5.62%      
Variable rate
 $ 70,230   37,628   36,583   74,705   120,648   339,794 339,794
Average interest rate
   4.64%   4.49%   4.45%   4.20%   4.07%      
                        651,891 644,708
Investment Securities
                          
Interest bearing cash
 $ 17,885   -   -   -   -   17,885 17,885
Average interest rate
   0.28%   -   -   -   -      
Securities available for sale
 $ 23,770   9,909   15,729   44,552   187,139   281,099 281,099
Average interest rate
   4.35%   4.75%   4.11%   4.51%   4.52%      
Nonmarketable equity securities
 $ -   -   -   -   4,031   4,031 4,031
Average interest rate
   -   -   -   -   3.50%      
                           
Debt Obligations
                          
Deposits
 $ 130,291   37,655   17,138   11,353   618,263   814,700 813,288
Average interest rate
   0.39%   0.74%   0.80%   0.93%   0.08%      
Advances from FHLB
 $ -   -   -   50,000   -   50,000 49,598
Average interest rate
   -   -   -   3.33%   -      
Securities sold under agreement to repurchase
 $ 48,430   -   -   -   -   48,430 48,430
Average interest rate
   0.10%   -   -   -   -      
Junior subordinated debentures
 $ -   -   -   -   20,619   20,619 20,619
Average interest rate
   -   -   -   -   1.82%      

 
 
A-24
 
 
Table 20 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 20 - Interest Rate Risk
    
     
(Dollars in thousands)
    
 
Estimated Resulting Theoretical Net
Interest Income
Hypothetical rate change (ramp over 12 months)
 Amount
% Change
+3%
 $                    36,617
1.86%
+2%
 $                    36,666
2.00%
+1%
 $                    36,073
0.35%
0%
 $                    35,947
0.00%
-1%
 $                    35,015
-2.59%
-2%
 $                    33,952
-5.55%
-3%
 $                    33,625
-6.46%
     
     
     
 
Estimated Resulting Theoretical
Market Value of Equity
Hypothetical rate change (immediate shock)
 Amount
% Change
+3%
 $                  115,085
0.33%
+2%
 $                  121,703
6.10%
+1%
 $                  119,739
4.39%
0%
 $                  114,707
0.00%
-1%
 $                    99,895
-12.91%
-2%
 $                    86,340
-24.73%
-3%
 $                    93,108
-18.83%
 
 
 
A-25
 
 
 
PEOPLES BANCORP OF NORTH CAROLINA, INC. AND SUBSIDIARIES
Consolidated Financial Statements
December 31, 2014, 2013 and 2012
       
       
INDEX
   
PAGE(S)
  
       
       
Report of Independent Registered Public Accounting Firm on the Consolidated Financial Statements
A-27
  
       
Financial Statements
    
 
Consolidated Balance Sheets at December 31, 2014 and 2013
A-28
  
       
 
Consolidated Statements of Earnings for the years ended December 31, 2014, 2013 and 2012
A-29
  
       
 
Consolidated Statements of Comprehensive Income (Loss) for the years ended December 31, 2014,
  
 
2013 and 2012
A-30
  
       
 
Consolidated Statements of Changes in Shareholders' Equity for the years ended December 31,
    
 
2014, 2013 and 2012
A-31
  
       
 
Consolidated Statements of Cash Flows for the years ended December 31, 2014, 2013 and 2012
A-32 - A-33
  
       
 
Notes to Consolidated Financial Statements
A-34 - A-62
  
 


 
A-26
 
 
 
 

 
 
A-27
 

 
PEOPLES BANCORP OF NORTH CAROLINA, INC. AND SUBSIDIARIES
         
Consolidated Balance Sheets
         
December 31, 2014 and 2013
         
(Dollars in thousands)
Assets
2014
  
2013
  
         
         
Cash and due from banks, including reserve requirements
 $ 51,213     49,902  
of $12,569 and $11,472
            
Interest-bearing deposits
   17,885     26,871  
Cash and cash equivalents
   69,098     76,773  
             
Investment securities available for sale
   281,099     297,890  
Other investments
   4,031     4,990  
Total securities
   285,130     302,880  
             
Mortgage loans held for sale
   1,375     497  
             
Loans
   651,891     620,960  
Less allowance for loan losses
   (11,082 )   (13,501 )
Net loans
   640,809     607,459  
             
Premises and equipment, net
   17,000     16,358  
Cash surrender value of life insurance
   14,125     13,706  
Other real estate
   2,016     1,679  
Accrued interest receivable and other assets
   10,941     15,332  
Total assets
 $ 1,040,494     1,034,684  
             
Liabilities and Shareholders' Equity
            
             
Deposits:
            
Non-interest bearing demand
 $ 210,758     195,265  
NOW, MMDA & savings
   407,504     386,893  
Time, $250,000 or more
   47,872     49,168  
Other time
   148,566     168,035  
Total deposits
   814,700     799,361  
             
Securities sold under agreements to repurchase
   48,430     45,396  
FHLB borrowings
   50,000     65,000  
Junior subordinated debentures
   20,619     20,619  
Accrued interest payable and other liabilities
   8,080     20,589  
Total liabilities
   941,829     950,965  
             
Commitments
            
             
Shareholders' equity:
            
             
Series A preferred stock, $1,000 stated value; authorized
            
5,000,000 shares; no shares issued
            
and outstanding
   -        -     
Common stock, no par value; authorized
            
20,000,000 shares; issued and outstanding
            
5,612,588 shares in 2014 and  5,613,495 shares in 2013
   48,088     48,133  
Retained earnings
   45,124     36,758  
Accumulated other comprehensive income (loss)
   5,453     (1,172 )
Total shareholders' equity
   98,665     83,719  
             
Total liabilities and shareholders' equity
 $ 1,040,494     1,034,684  
             
See accompanying Notes to Consolidated Financial Statements.
            

 
 
A-28
 
 
 
PEOPLES BANCORP OF NORTH CAROLINA, INC. AND SUBSIDIARIES
             
Consolidated Statements of Earnings
             
For the Years Ended December 31, 2014, 2013 and 2012
             
(Dollars in thousands, except per share amounts)
             
 
2014
  
2013
  
2012
  
             
             
Interest income:
            
Interest and fees on loans
 $ 30,305   30,194   32,758  
Interest on due from banks
   65   85   51  
Interest on investment securities:
              
U.S. Government sponsored enterprises
   2,995   1,639   2,746  
States and political subdivisions
   4,677   4,427   3,403  
Other
   378   351   287  
Total interest income
   38,420   36,696   39,245  
               
Interest expense:
              
NOW, MMDA & savings deposits
   499   732   1,180  
Time deposits
   1,188   1,650   3,205  
FHLB borrowings
   2,166   2,518   2,744  
Junior subordinated debentures
   389   398   438  
Other
   45   55   129  
Total interest expense
   4,287   5,353   7,696  
               
Net interest income
   34,133   31,343   31,549  
               
(Reduction of) provision for loan losses
   (699 ) 2,584   4,924  
               
Net interest income after provision for loan losses
   34,832   28,759   26,625  
               
Non-interest income:
              
Service charges
   4,961   4,566   4,764  
Other service charges and fees
   1,080   1,172   1,940  
Gain on sale of securities
   266   614   1,218  
Mortgage banking income
   804   1,228   1,229  
Insurance and brokerage commissions
   701   661   517  
Loss on sales and write-downs of
              
other real estate
   (622 ) (581 ) (1,136 )
Miscellaneous
   4,974   4,992   4,005  
Total non-interest income
   12,164   12,652   12,537  
               
Non-interest expense:
              
Salaries and employee benefits
   17,530   16,851   16,426  
Occupancy
   6,251   5,539   5,236  
Other
   11,890   10,451   10,120  
Total non-interest expense
   35,671   32,841   31,782  
               
Earnings before income taxes
   11,325   8,570   7,380  
               
Income tax expense
   1,937   1,879   1,587  
               
Net earnings
   9,388   6,691   5,793  
               
Dividends and accretion of preferred stock
   -      656   1,010  
               
Net earnings available to common shareholders
 $ 9,388   6,035   4,783  
               
Basic net earnings per common share
 $ 1.67   1.08   0.86  
Diluted net earnings per common share
 $ 1.66   1.07   0.86  
Cash dividends declared per common share
 $ 0.18   0.12   0.18  
               
               
See accompanying Notes to Consolidated Financial Statements.
          
 
 
 
A-29
 
 
 
PEOPLES BANCORP OF NORTH CAROLINA, INC. AND SUBSIDIARIES
             
Consolidated Statements of Comprehensive Income (Loss)
             
For the Years Ended December 31, 2014, 2013 and 2012
             
(Dollars in thousands)
             
 
2014
  
2013
  
2012
  
             
             
Net earnings
 $ 9,388   6,691   5,793  
               
Other comprehensive income (loss):
              
Unrealized holding gains (losses) on securities
              
available for sale
   11,117   (10,498 ) 5,371  
Reclassification adjustment for gains on
              
securities available for sale
              
included in net earnings
   (266 ) (614 ) (1,218 )
               
Total other comprehensive income (loss),
              
before income taxes
   10,851   (11,112 ) 4,153  
               
Income tax (benefit) expense related to other
              
comprehensive (loss) income:
              
               
Unrealized holding gains (losses) on securities
              
available for sale
   4,330   (4,089 ) 2,091  
Reclassification adjustment for gains on
              
securities available for sale
              
included in net earnings
   (104 ) (239 ) (474 )
               
Total income tax expense (benefit) related to
              
other comprehensive income (loss)
   4,226   (4,328 ) 1,617  
               
Total other comprehensive income (loss),
              
net of tax
   6,625   (6,784 ) 2,536  
               
Total comprehensive income (loss)
 $ 16,013   (93 ) 8,329  
               
See accompanying Notes to Consolidated Financial Statements.
          
 
 
 
A-30
 

 
PEOPLES BANCORP OF NORTH CAROLINA, INC. AND SUBSIDIARIES
                             
Consolidated Statements of Changes in Shareholders' Equity
                             
For the Years Ended December 31, 2014, 2013 and 2012
                             
(Dollars in thousands)
                             
                     
Accumulated
      
                     
Other
      
 
Stock Shares
  
Stock Amount
  
Retained
  
Comprehensive
      
 
Preferred
  
Common
  
Preferred
  
Common
  
Earnings
  
Income
  
Total
  
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  
                               
Accretion of Series A
                              
preferred stock
 (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  
                               
Common stock
                              
repurchase
 -   (4,537 )   -   (82 )  -   -   (82 )
Cash dividends declared on
                              
common stock
 -   -     -   -   (1,022 ) -   (1,022 )
Stock options exercised
 -   3,630     -   37   -   -   38  
Net earnings
 -   -     -   -   9,388   -   9,388  
Change in accumulated other
                              
comprehensive income,
                              
net of tax
 -   -     -   -   -   6,625   6,625  
Balance, December 31, 2014
 -   5,612,588   $ -   48,088   45,124   5,453   98,665  
                               
See accompanying Notes to Consolidated Financial Statements.
                  
 
 
 
A-31
 
 
 
PEOPLES BANCORP OF NORTH CAROLINA, INC. AND SUBSIDIARIES
             
Consolidated Statements of Cash Flows
             
For the Years Ended December 31, 2014, 2013 and 2012
             
(Dollars in thousands)
             
 
2014
  
2013
  
2012
  
             
             
Cash flows from operating activities:
            
Net earnings
 $ 9,388   6,691   5,793  
Adjustments to reconcile net earnings to
              
net cash provided by operating activities:
              
Depreciation, amortization and accretion
   6,889   8,453   8,876  
Provision for loan losses
   (699 ) 2,584   4,924  
Deferred income taxes
   178   534   (213 )
Gain on sale of investment securities
   (266 ) (614 ) (1,218 )
(Gain) loss on sale of other real estate
   (5 ) (14 ) 98  
Write-down of other real estate
   627   595   1,038  
Restricted stock expense
   389   173   42  
Change in:
              
Mortgage loans held for sale
   (878 ) 6,425   (1,776 )
Cash surrender value of life insurance
   (419 ) (432 ) (438 )
Other assets
   (778 ) 1,508   (441 )
Other liabilities
   15   (982 ) 2,342  
               
Net cash provided by operating activities
   14,441   24,921   19,027  
               
Cash flows from investing activities:
              
Purchases of investment securities available for sale
   (32,851 ) (98,129 ) (88,304 )
Proceeds from calls, maturities and paydowns of investment securities
              
available for sale
   36,148   63,597   63,225  
Proceeds from sales of investment securities available for sale
   20,202   17,463   47,076  
Purchases of other investments
   -     -     (493 )
FHLB stock redemption
   959   609   606  
Net change in loans
   (36,692 ) (6,137 ) 38,170  
Purchases of premises and equipment
   (3,120 ) (2,434 ) (917 )
Proceeds from sale of other real estate and repossessions
   3,456   5,797   5,434  
               
Net cash (used) provided by investing activities
   (11,898 ) (19,234 ) 64,797  
               
Cash flows from financing activities:
              
Net change in deposits
   15,339   17,836   (45,586 )
Net change in securities sold under agreement to repurchase
   3,034   10,818   (5,022 )
Proceeds from FHLB borrowings
   -     15,001   25,400  
Repayments of FHLB borrowings
   (15,000 ) (20,001 ) (25,400 )
Proceeds from FRB borrowings
   1   1   2  
Repayments of FRB borrowings
   (1 ) (1 ) (2 )
Preferred stock and warrant repurchase
   (12,524 ) -     (12,122 )
Stock options exercised
   37   -     539  
Common stock repurchased
   (82 ) -     -  
Cash dividends paid on Series A preferred stock
   -     (734 ) (1,023 )
Cash dividends paid on common stock
   (1,022 ) (677 ) (1,003 )
               
Net cash (used) provided by financing activities
   (10,218 ) 22,243   (64,217 )
               
Net change in cash and cash equivalents
   (7,675 ) 27,930   19,607  
               
Cash and cash equivalents at beginning of period
   76,773   48,843   29,236  
               
Cash and cash equivalents at end of period
 $ 69,098   76,773   48,843  
 
 
 
A-32
 
 
 
PEOPLES BANCORP OF NORTH CAROLINA, INC. AND SUBSIDIARIES
             
Consolidated Statements of Cash Flows, continued
             
For the Years Ended December 31, 2014, 2013 and 2012
             
(Dollars in thousands)
             
             
 
2014
  
2013
  
2012
  
             
             
Supplemental disclosures of cash flow information:
            
Cash paid during the year for:
            
Interest
 $ 4,388   5,452   7,822  
Income taxes
 $ 1,939   2,256   2,013  
               
Noncash investing and financing activities:
              
Change in unrealized (loss) gain on investment securities
              
 available for sale, net
 $ 6,625   (6,784 ) 2,536  
Change in unrealized gain on derivative financial
              
 instruments, net
 $ -     -     -    
Transfer of loans to other real estate and repossessions
 $ 4,415   2,353   6,323  
Financed portion of sale of other real estate
 $ 374   708   1,076  
Accretion of Series A preferred stock
 $ -     -     70  
Discount on preferred stock repurchased
 $ -     -     835  
    Accrued redemption of Series A Preferred Stock $ -     12,632   -    
               
               
See accompanying Notes to Consolidated Financial Statements.
              
 
 
 
A-33
 
 
PEOPLES BANCORP OF NORTH CAROLINA, INC. AND SUBSIDIARIES

Notes to Consolidated Financial Statements
 
(1)
Summary of Significant Accounting Policiees
   
  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, Wake and Durham 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.
 
In March 2015, the Bank established a new wholly owned subsidiary, PB Real Estate Holdings, LLC, which will acquire, manage and dispose of real property, other collateral and other assets obtained in the ordinary course of collecting debts previously contracted.

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, 2014 and 2013, the Company classified all of its investment securities as available for sale.
 
 
A-34
 

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.

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 collectability 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-35
 
 
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, and loans in process of litigation or liquidation.  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 provision for loan losses charged or credited to earnings is based upon management’s judgment of the amount necessary to maintain the allowance at a level appropriate to absorb probable incurred losses in the loan portfolio at the balance sheet date.  The amount each quarter is dependent upon many factors, including growth and changes in the composition of the loan portfolio, net charge-offs, delinquencies, management’s assessment of loan portfolio quality, the value of collateral, and other macro-economic factors and trends.  The evaluation of these factors is performed quarterly by management through an analysis of the appropriateness of 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, three, four or five 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.

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, 2014 as compared to the year ended December 31, 2013.   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.  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. Although management uses the best information available to make evaluations, significant future additions to the allowance
 
 
A-36
 
 
may be necessary based on changes in economic and other conditions, thus adversely affecting the operating results of the Company.

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 $2.1 million, $2.4 million and $3.1 million at December 31, 2014, 2013 and 2012, 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.  

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.
 
 
A-37
 
 
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.   As of December 31, 2014, there were no outstanding options under the 1999 Plan.  A summary of the stock option activity for the year ended December 31, 2014 is presented below:
 
 
A-38
 
 

Stock Option Activity
For the Year Ended December 31, 2014
                 
 
Shares
  
Weighted
Average Option
Price Per Share
  
Weighted Average
Remaining
Contractual Term (in
years)
    
Aggregate
Intrinsic
Value
(Dollars in
thousands)
Outstanding, December 31, 2013
 3,630   $ 10.31          
                   
Granted during the period
 -     $ -          
Expired during the period
 -     $ -          
Forfeited during the period
 -     $ -          
Exercised during the period
 (3,630 ) $ 10.31          
                   
Outstanding, December 31, 2014
 -     $ -  
                          
   $ 
               -    
                   
Exercisable, December 31, 2014
  -     $ -  
                             
   $ 
                -    
 
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 recognized compensation expense on the restricted stock units over the period of time the restrictions were 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 in each period reflected the changes in the Company’s stock price during such period.  As of December 31, 2014, 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 282,635 shares are currently reserved for possible issuance under the 2009 Plan.   All stock-based rights under the 2009 Plan must be granted or awarded by May 7, 2019 (or ten years from the 2009 Plan effective date).

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, of which 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 granted 21,056 restricted stock units under the 2009 Plan at a grant date fair value of $15.70 per share during the first quarter of 2014.  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, four years from the grant date for the 2013 grants and three years from the grant date for the 2014 grants).  The amount of expense recorded each period reflects the changes in the Company’s stock price during such period.  As of December 31, 2014, the total unrecognized compensation expense related to the restricted stock unit grants under the 2009 Plan was $770,000.

The Company recognized compensation expense for restricted stock units granted under the 2009 Plan of $389,000, $173,000 and $42,000 for the years ended December 31, 2014, 2013 and 2012, respectively.

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, 2014, 2013 and 2012 are as follows:
 
 
A-39
 
 

For the year ended December 31, 2014:
Net Earnings
Available to
Common
Shareholders
(Dollars in
thousands)
  
Common
Shares
  
Per Share
Amount
Basic earnings per common share
 $ 9,388   5,615,666   $ 1.67
Effect of dilutive securities:
              
Stock options
   -     26,326      
Diluted earnings per common share
 $ 9,388   5,641,992   $ 1.66
               
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
 
Recent Accounting Pronouncements
In November 2014, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) No. 2014-16, (Topic 815):  Determining Whether the Host Contract in a Hybrid Financial Instrument Issued in the Form of a Share Is More Akin to Debt or to Equity.  ASU No. 2014-16 provides more direction for determining whether embedded features, such as a conversion option embedded in a share of preferred stock, need to be accounted for separately from their host shares.  ASU No. 2014-16 is effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2015.  The adoption of this guidance is not expected to have a material impact on the Company’s results of operations, financial position or disclosures.

In November 2014, FASB issued ASU No. 2014-17, (Topic 805):  Pushdown Accounting (a consensus of the FASB Emerging Issues Task Force).  ASU No. 2014-17 gives acquired entities the option to apply pushdown accounting in their separate financial statements when an acquirer obtains control of them.  ASU No. 2014-17 was effective upon issuance for current and future reporting periods and any open reporting periods for which financial statements have not yet been issued.  The adoption of this guidance is not expected to have a material impact on the Company’s results of operations, financial position or disclosures.

In January 2015, FASB issued ASU No. 2015-01, (Subtopic 225-20):  Simplifying Income Statement Presentation by Eliminating the Concept of Extraordinary Items.  ASU No. 2015-01 eliminates the concept of extraordinary items from GAAP.  ASU No. 2015-01 is effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2015.  The adoption of this guidance is not expected to have a material impact on the Company’s results of operations, financial position or disclosures.

In February 2015, FASB issued ASU No. 2015-02, (Topic 810):  Amendments to the Consolidation Analysis.  ASU No. 2015-02 provides amendments to respond to stakeholders’ concerns about the current accounting for consolidation of certain legal entities.  Stakeholders expressed concerns that GAAP might require a reporting entity to consolidate another legal entity in situations in which the reporting entity’s contractual rights do not give it the ability to act primarily on its own behalf, the reporting entity does not hold a majority of the legal entity’s
 
 
A-40
 
 
voting rights, or the reporting entity is not exposed to a majority of the legal entity’s economic benefits or obligations.  ASU No. 2015-02 is effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2015.  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 2012 and 2013 consolidated financial statements have been reclassified to conform to the 2014 presentation.

(2)
    Investment Securities

Investment securities available for sale at December 31, 2014 and 2013 are as follows:

(Dollars in thousands)
              
 
December 31, 2014
 
Amortized
Cost
  
Gross
Unrealized
Gains
  
Gross
Unrealized
Losses
  
Estimated
Fair Value
Mortgage-backed securities
 $ 88,496   1,766   52   90,210
U.S. Government
                
sponsored enterprises
   33,766   418   136   34,048
State and political subdivisions
   145,938   6,534   226   152,246
Corporate bonds
   2,469   16   18   2,467
Trust preferred securities
   750   -     -     750
Equity securities
   748   630   -     1,378
Total
 $ 272,167   9,364   432   281,099
                 
(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
 
The current fair value and associated unrealized losses on investments in debt securities with unrealized losses at December 31, 2014 and 2013 are summarized in the tables below, with the length of time the individual securities have been in a continuous loss position.
 
 
A-41
 
 
(Dollars in thousands)
                      
 
December 31, 2014
 
Less than 12 Months
  
12 Months or More
  
Total
 
Fair Value
  
Unrealized
Losses
  
Fair Value
  
Unrealized
Losses
  
Fair Value
  
Unrealized
Losses
Mortgage-backed securities
 $ 436   1   2,963   51   3,399   52
U.S. Government
                        
sponsored enterprises
   2,996   4   9,850   132   12,846   136
State and political subdivisions
   567   1   14,998   225   15,565   226
Corporate bonds
   -     -     525   18   525   18
Total
 $ 3,999   6   28,336   426   32,335   432
                         
(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   1,984   70
Total
 $ 129,742   5,639   12,463   356   141,694   5,995
 
At December 31, 2014, unrealized losses in the investment securities portfolio relating to debt securities totaled $432,000.  The unrealized losses on these debt securities arose due to changing interest rates and are considered to be temporary.  From the December 31, 2014 tables above, 20 out of 176 securities issued by state and political subdivisions contained unrealized losses, eight out of 80 securities issued by U.S. Government sponsored enterprises, including mortgage-backed securities, contained unrealized losses, and one out of four 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 2014, 2013 or 2012.
 
The amortized cost and estimated fair value of investment securities available for sale at December 31, 2014, 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, 2014
      
(Dollars in thousands)
      
 
Amortized
Cost
  
Estimated
Fair Value
Due within one year
 $ 4,308   4,323
Due from one to five years
   40,564   42,548
Due from five to ten years
   117,452   121,399
Due after ten years
   20,599   21,241
Mortgage-backed securities
   88,496   90,210
Equity securities
   748   1,378
Total
 $ 272,167   281,099
 
Proceeds from sales of securities available for sale during 2014 were $20.2 million and resulted in gross gains of $291,000 and gross losses of $25,000.  During 2013, proceeds from sales of securities available for sale 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.
 
 
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Securities with a fair value of approximately $89.9 million and $86.0 million at December 31, 2014 and 2013, 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, 2014 and 2013.

(Dollars in thousands)
              
 
December 31, 2014
 
Fair Value
Measurements
  
Level 1
Valuation
  
Level 2
Valuation
  
Level 3
Valuation
Mortgage-backed securities
 $ 90,210   -   90,210   -
U.S. Government
                
sponsored enterprises
 $ 34,048   -   34,048   -
State and political subdivisions
 $ 152,246   -   152,246   -
Corporate bonds
 $ 2,467   -   2,467   -
Trust preferred securities
 $ 750   -   -   750
Equity securities
 $ 1,378   1,378   -   -
                 
                 
(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   -   -
 
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, 2014.
 
(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 and calls)
   (500 )
Transfers in and/or (out) of Level 3
   -  
Balance, end of period
 $ 750  
       
Change in unrealized gain/(loss) for assets still held in Level 3
 $ -  
 
 
 
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 (3)
    Loans

Major classifications of loans at December 31, 2014 and 2013 are summarized as follows:
 
(Dollars in thousands)
      
 
December 31, 2014
  
December 31, 2013
Real estate loans:
      
Construction and land development
 $ 57,617   63,742
Single-family residential
   206,417   195,975
Single-family residential -
        
Banco de la Gente stated income
   47,015   49,463
Commercial
   228,558   209,287
Multifamily and farmland
   12,400   11,801
Total real estate loans
   552,007   530,268
         
Loans not secured by real estate:
        
Commercial loans
   76,262   68,047
Farm loans
   7   19
Consumer loans
   10,060   9,593
All other loans
   13,555   13,033
         
Total loans
   651,891   620,960
         
Less allowance for loan losses
   11,082   13,501
         
Total net loans
 $ 640,809   607,459
 
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, Wake and Durham 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, 2014, construction and land development loans comprised approximately 9% 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, 2014, single-family residential loans comprised approximately 39% of the Bank’s total loan portfolio, including Banco de la Gente single-family residential stated income loans which were approximately 7% 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, 2014, commercial real estate loans comprised approximately 35% 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, 2014, commercial loans comprised approximately 12% of the Bank’s total loan portfolio.
 
 
 
A-44
 
 
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, 2014 and 2013:

December 31, 2014
                
(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
 $ 294   3,540   3,834   53,783   57,617   -  
Single-family residential
   5,988   268   6,256   200,161   206,417   -  
Single-family residential -
                        
Banco de la Gente stated income
   8,998   610   9,608   37,407   47,015   -  
Commercial
   3,205   366   3,571   224,987   228,558   -  
Multifamily and farmland
   85   -     85   12,315   12,400   -  
Total real estate loans
   18,570   4,784   23,354   528,653   552,007   -  
                         
Loans not secured by real estate:
                        
Commercial loans
   241   49   290   75,972   76,262   -  
Farm loans
   -     -     -     7   7   -  
Consumer loans
   184   -     184   9,876   10,060   -  
All other loans
   -     -     -     13,555   13,555   -  
Total loans
 $ 18,995   4,833   23,828   628,063   651,891   -  
                         
                         
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
 
 
The following table presents the Bank’s non-accrual loans as of December 31, 2014 and 2013:

(Dollars in thousands)
      
 
December 31, 2014
  
December 31, 2013
Real estate loans:
      
Construction and land development
 $ 3,854   6,546
Single-family residential
   2,370   2,980
Single-family residential -
        
Banco de la Gente stated income
   1,545   1,990
Commercial
   2,598   2,043
Multifamily and farmland
   110   -  
Total real estate loans
   10,477   13,559
         
Loans not secured by real estate:
        
Commercial loans
   176   250
Consumer loans
   75   27
Total
 $ 10,728   13,836
 
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.  Various factors, including the assumptions and techniques utilized by the appraiser, are considered by management in determining the impairment of a loan.  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 $25.6 million and $27.6 million at December 31, 2014 and December 31, 2013, respectively.  Interest income recognized on accruing impaired loans was $1.3 million for the years ended December 31, 2014 and 2013.  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, 2014 and 2013:

December 31, 2014
                    
(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
 $ 5,481   3,639   555   4,194   31   5,248
Single-family residential
   6,717   933   5,540   6,473   154   7,430
Single-family residential -
                        
Banco de la Gente stated income
   21,243   -     20,649   20,649   1,191   19,964
Commercial
   4,752   1,485   2,866   4,351   272   4,399
Multifamily and farmland
   111   -   110   110   1   154
Total impaired real estate loans
   38,304   6,057   29,720   35,777   1,649   37,195
                         
Loans not secured by real estate:
                        
Commercial loans
   218   -     201   201   4   641
Consumer loans
   318   -     313   313   5   309
Total impaired loans
 $ 38,840   6,057   30,234   36,291   1,658   38,145
 
 
 
A-46
 
 
 
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
 
The fair value measurements for impaired loans and other real estate on a non-recurring basis at December 31, 2014 and 2013 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, 2014
  
Level 1
Valuation
  
Level 2
Valuation
  
Level 3
Valuation
  
Total Gains/(Losses) for
the Year Ended
December 31, 2014
Impaired loans
 $ 34,633   -   -   34,633   (1,444 )
Other real estate
 $ 2,016   -   -   2,016   (622 )
                       
(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
 
 
Changes in the allowance for loan losses for the year ended December 31, 2014 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
 $ 3,218   3,123   1,863   2,219   37   1,069   -   245   1,727   13,501  
Charge-offs
   (884 ) (309 ) (190 ) (290 ) -   (430 ) -   (534 ) -   (2,637 )
Recoveries
   428   72   16   171   -   54   -   176   -   917  
Provision
   23   (320 ) (79 ) (198 ) (30 ) 405   -   346   (846 ) (699 )
Ending balance
 $ 2,785   2,566   1,610   1,902   7   1,098   -   233   881   11,082  
                                           
                                           
Ending balance: individually
                                          
evaluated for impairment
 $ -   82   1,155   260   -   -   -   -   -   1,497  
Ending balance: collectively
                                          
evaluated for impairment
   2,785   2,484   455   1,642   7   1,098   -   233   881   9,585  
Ending balance
 $ 2,785   2,566   1,610   1,902   7   1,098   -   233   881   11,082  
                                           
Loans:
                                          
Ending balance
 $ 57,617   206,417   47,015   228,558   12,400   76,262   7   23,615   -   651,891  
                                           
Ending balance: individually
                                          
evaluated for impairment
 $ 3,639   2,298   18,884   3,345   -   -   -   -   -   28,166  
Ending balance: collectively
                                          
evaluated for impairment
 $ 53,978   204,119   28,131   225,213   12,400   76,262   7   23,615   -   623,725  
 
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  
 
 
A-48
 
 
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  
                                           
Allowance for loan losses:
                                          
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  
 
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.  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, 2014 and 2013.

December 31, 2014                                    
(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
 $ -   15,099   -   -   -   924   -   1,232   -   17,255
2- High Quality
   6,741   74,367   -   39,888   241   18,730   -   3,576   1,860   145,403
3- Good Quality
   24,641   74,453   21,022   142,141   8,376   44,649   7   4,549   8,055   327,893
4- Management Attention
   13,013   30,954   12,721   36,433   1,001   11,312   -   566   3,640   109,640
5- Watch
   9,294   5,749   5,799   6,153   2,672   383   -   46   -   30,096
6- Substandard
   3,928   5,795   7,473   3,943   110   264   -   87   -   21,600
7- Doubtful
   -   -   -   -   -   -   -   -   -   -
8- Loss
   -   -   -   -   -   -   -   4   -   4
Total
 $ 57,617   206,417   47,015   228,558   12,400   76,262   7   10,060   13,555   651,891
                                         
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
 
Total TDR loans amounted to $15.0 million and $21.9 million at December 31, 2014 and 2013, 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 $1.4 million and $355,000 in performing loans classified as TDR loans at December 31, 2014 and 2013, respectively.

The following tables present an analysis of loan modifications during the years ended December 31, 2014 and 2013:

Year ended December 31, 2014
          
(Dollars in thousands)
          
 
Number of
Contracts
  
Pre-Modification
Outstanding
Recorded
Investment
  
Post-Modification Outstanding
Recorded
Investment
Real estate loans:
          
Construction and land development
 1   $ 291   266
Single-family residential
 2     849   845
Single-family residential -
            
Banco de la Gente stated income
 3     281   278
Total real estate TDR loans
 6     1,421   1,389
             
Total TDR loans
 6   $ 1,421   1,389
 
 
 
A-50
 
 
 
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
 
(4)
    Premises and Equipment

Major classifications of premises and equipment at December 31, 2014 and 2013 are summarized as follows:

(Dollars in thousands)
      
 
2014
  
2013
       
Land
 $ 3,681   3,667
Buildings and improvements
   15,864   15,126
Furniture and equipment
   18,442   16,239
         
Total premises and equipment
   37,987   35,032
         
Less accumulated depreciation
   20,987   18,674
         
Total net premises and equipment
 $ 17,000   16,358
 
The Company recognized approximately $2.5 million in depreciation expense for the year ended December 31, 2014.  Depreciation expense was approximately $1.9 million for the years ended December 31, 2013 and 2012.

(5)
    Time Deposits

At December 31, 2014, the scheduled maturities of time deposits are as follows:

(Dollars in thousands)
  
   
2015
 $ 131,001
2016
   37,065
2017
   17,029
2018
   8,336
2019 and thereafter
   3,007
     
Total
 $ 196,438
 
At December 31, 2014 and 2013, the Company had approximately $11.4 million and $15.1 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 $11.0 million and $15.1 million as of December 31, 2014 and 2013, respectively.  The weighted average rate of brokered deposits as of December 31, 2014 and 2013 was 0.13% and 0.14%, respectively.

(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, 2014.  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, 2014, the carrying value of loans pledged as collateral totaled approximately $126.0 million.
 
Borrowings from the FHLB outstanding at December 31, 2014 and 2013 consist of the following:
 
 
A-51
 
 
December 31, 2014        
(Dollars in thousands)
        
         
Maturity Date
Call Date
Rate
Rate Type
Amount
October 17, 2018
 N/A 3.398%
Adjustable Rate Hybrid
   5,000
           
October 17, 2018
 N/A 3.638%
Adjustable Rate Hybrid
   15,000
           
October 17, 2018
 N/A 3.413%
Adjustable Rate Hybrid
   5,000
           
October 17, 2018
 N/A 3.468%
Adjustable Rate Hybrid
   5,000
           
May 8, 2018
 N/A 1.792%
Floating to Fixed
   5,000
           
May 8, 2018
 N/A 3.432%
Floating to Fixed
   15,000
           
        $ 50,000
 
December 31, 2013
        
(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 $3.2 million and $4.1 million of FHLB stock, included in other investments, at December 31, 2014 and 2013, respectively.

As of December 31, 2014 and 2013, 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, 2014, the carrying value of loans pledged as collateral totaled approximately $340.5 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
 
 
A-52
 
 
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.

(8)
    Income Taxes

The provision for income taxes is summarized as follows:
 
(Dollars in thousands)
            
 
2014
  
2013
  
2012
  
Current
 $ 1,759   1,345   1,800  
Deferred
   178   534   (213 )
Total
 $ 1,937   1,879   1,587  
 
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)
            
 
2014
  
2013
  
2012
  
Pre-tax income at statutory rate (34%)
 $ 3,851   2,914   2,509  
Differences:
              
Tax exempt interest income
   (1,630 ) (1,481 ) (1,168 )
Nondeductible interest and other expense
   119   141   52  
Cash surrender value of life insurance
   (143 ) (147 ) (149 )
State taxes, net of federal benefits
   (283 ) 428   324  
Other, net
   23   24   19  
Total
 $ 1,937   1,879   1,587  
 
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, 2014 and 2014.
 
(Dollars in thousands)
      
 
2014
  
2013
Deferred tax assets:
      
Allowance for loan losses
 $ 4,134   5,205
Accrued retirement expense
   1,529   1,489
Other real estate
   206   218
Federal credit carryforward
   342   79
    State credit carryforward   734   -  
    Other   176   334
Unrealized loss on available for sale securities
   -   747
Total gross deferred tax assets
   7,121   8,072
         
Deferred tax liabilities:
        
Deferred loan fees
   433   581
Premises and equipment
   652   530
Unrealized gain on available for sale securities
   3,479   -  
Total gross deferred tax liabilities
   4,564   1,111
Net deferred tax asset
 $ 2,557   6,961
 
 
A-53
 
 
(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 2014:
 
(Dollars in thousands)
    
     
Beginning balance
 $ 4,340  
New loans
   6,903  
Repayments
   (6,483 )
       
Ending balance
 $ 4,760  
 
At December 31, 2014 and 2013, the Bank had deposit relationships with related parties of approximately $15.1 million and $17.6 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, 2014 are as follows:

(Dollars in thousands)
  
   
Year ending December 31,
  
2015
   600
2016
   603
2017
   537
2018
   501
2019
   490
Thereafter
   1,854
Total minimum obligation
 $ 4,585
 
Total rent expense was approximately $691,000, $672,000 and $643,000 for the years ended December 31, 2014, 2013 and 2012, 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
 
2014
  
2013
Financial instruments whose contract amount represent credit risk:
      
       
Commitments to extend credit
 $ 168,733   146,243
         
Standby letters of credit and financial guarantees written
 $ 3,911   4,361
 
 
Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any
 
 
A-54
 
 
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 $172.6 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 $54.5 million available for the purchase of overnight federal funds from five correspondent financial institutions as of December 31, 2014.
 
(11)
    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 3.50% of annual compensation in 2012 and 4.00% of annual compensation in 2013 and 2014.  The Company’s contribution pursuant to this formula was approximately $439,000, $430,000 and $345,000 for the years 2014, 2013 and 2012, 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. Prior to January 1, 2015, the vesting schedule for the 401(k) plan began at 20 percent after two years of employment and graduated 20 percent each year until reaching 100 percent after six years of employment.  Effective January 1, 2015, contributions to the 401(k) plan are vested immediately.

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 $422,000, $395,000 and $546,000 for the years 2014, 2013 and 2012, 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 for the year ended December 31, 2012.   The Company did not incur any postretirement medical benefits expense in 2014 and 2013 due to an excess accrual balance.

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)
        
 
2014
  
2013
  
         
Benefit obligation at beginning of period
 $ 3,581   3,382  
Service cost
   348   336  
Interest cost
   67   65  
Benefits paid
   (184 ) (142 )
Reversal of excess accrual
   -   (60 )
           
Benefit obligation at end of period
 $ 3,812   3,581  
 
The amounts recognized in the Company’s Consolidated Balance Sheet as of December 31, 2014 and 2013 are shown in the following two tables:
 
 
A-55
 
 
(Dollars in thousands)
      
 
2014
  
2013
       
Benefit obligation
 $ 3,812   3,581
Fair value of plan assets
   -     -  
 
(Dollars in thousands)
        
 
2014
  
2013
  
         
Funded status
 $ (3,812 ) (3,581 )
Unrecognized prior service cost/benefit
   -     -    
Unrecognized net actuarial loss
   -     -    
           
Net amount recognized
 $ (3,812 ) (3,581 )
           
Unfunded accrued liability
 $ (3,812 ) (3,581 )
Intangible assets
   -     -    
           
Net amount recognized
 $ (3,812 ) (3,581 )
 
Net periodic benefit cost of the Company’s postretirement benefit plans for the years ended December 31, 2014, 2013 and 2012 consisted of the following:

(Dollars in thousands)
          
 
2014
  
2013
       2012
           
Service cost
 $ 348   336   430 
Interest cost
   67   65   89
             
Net periodic cost
 $ 415   401   519
             
Weighted average discount rate assumption used to
            
determine benefit obligation
   5.47%   5.46%   5.43%
 
The Company paid benefits under the two postretirement plans totaling $184,000 and $142,000 during the years ended December 31, 2014 and 2013, 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,
  
2015
 $ 232
2016
 $ 244
2017
 $ 262
2018
 $ 275
2019
 $ 310
Thereafter
 $ 8,345
     
 
(12)
    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.
 
 
A-56
 
 
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, 2014, that the Company and the Bank meet all capital adequacy requirements to which they are subject.

As of December 31, 2014, 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 are 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, 2014:
                      
                       
Total Capital (to Risk-Weighted Assets)
                      
Consolidated
 $ 122,732   16.62%   59,085   8.00%   N/A   N/A
Bank
 $ 118,356   16.06%   58,974   8.00%   73,717   10.00%
Tier 1 Capital (to Risk-Weighted Assets)
                        
Consolidated
 $ 113,211   15.33%   29,542   4.00%   N/A   N/A
Bank
 $ 108,934   14.78%   29,487   4.00%   44,230   6.00%
Tier 1 Capital (to Average Assets)
                        
Consolidated
 $ 113,211   10.74%   42,181   4.00%   N/A   N/A
Bank
 $ 108,934   10.33%   42,164   4.00%   52,706   5.00%
                         
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%
 
(13)
    Shareholders’ Equity
 
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 was 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 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.
 
 
A-57
 
 
In September 2014, the Company’s Board of Directors authorized a stock repurchase program, pursuant to which up to $2 million will be allocated to repurchase the Company’s common stock.  Any purchases under the Company’s stock repurchase program may be made periodically as permitted by securities laws and other legal requirements in the open market or in privately negotiated transactions.  The timing and amount of any repurchase of shares will be determined by the Company’s management, based on its evaluation of market conditions and other factors.  The repurchase program may be suspended at any time or from time-to-time without prior notice.  The Company has repurchased and retired $82,000, or 4,537 shares, of its common stock under this program as of December 31, 2014.

(14)
    Other Operating Income and Expense

Miscellaneous non-interest income for the years ended December 31, 2014, 2013 and 2012 included the following items that exceeded one percent of total revenues at some point during the following three-year period:
 
(Dollars in thousands)
          
 
2014
  
2013
  
2012
Visa debit card income
 $ 3,170   2,990   2,092
Net appraisal management fee income
 $ 525   718   737
Insurance and brokerage commissions
 $ 701   661   517
 
Other non-interest expense for the years ended December 31, 2014, 2013 and 2012 included the following items that exceeded one percent of total revenues at some point during the following three-year period:

(Dollars in thousands)
          
 
2014
  
2013
  
2012
Advertising
 $ 804   685   695
FDIC insurance
 $ 739   864   894
Visa debit card expense
 $ 905   823   729
Telephone
 $ 574   570   554
Foreclosure/OREO expense
 $ 317   356   677
Internet banking expense
 $ 644   568   593
FHLB advance prepayment penalty
 $ 869   530   -  
Consulting
 $ 609   468   499
NC Tax Credit Amortization
 $ 870   160   -  
 
(15)
    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.
 
 
 
A-58
 
 
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.
 
 
A-59
 
 
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, 2014 and 2013 are as follows:
 
(Dollars in thousands)
                  
     
Fair Value Measurements at December 31, 2014
 
Carrying
Amount
  
Level 1
  
Level 2
  
Level 3
  
Total
Assets:
                  
Cash and cash equivalents
 $ 69,098   69,098   -   -   69,098
Investment securities available for sale
 $ 281,099   1,378   278,971   750   281,099
Other investments
 $ 4,031   -   -   4,031   4,031
Mortgage loans held for sale
 $ 1,375   -   -   1,375   1,375
Loans, net
 $ 640,809   -   -   644,708   644,708
Cash surrender value of life insurance
 $ 14,125   -   14,125   -   14,125
                     
Liabilities:
                    
Deposits
 $ 814,700   -   -   813,288   813,288
Securities sold under agreements
                    
to repurchase
 $ 48,430   -   48,430   -   48,430
FHLB borrowings
 $ 50,000   -   49,598   -   49,598
Junior subordinated debentures
 $ 20,619   -   20,619   -   20,619
                     
                     
(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
 
 
A-60
 
 
(16)           Peoples Bancorp of North Carolina, Inc. (Parent Company Only) Condensed Financial Statements
 
Balance Sheets
       
December 31, 2014 and 2013
(Dollars in thousands)
       
Assets
2014
  
2013
       
Cash
 $ 745   12,879
Interest-bearing time deposit
   1,000   -  
Investment in subsidiaries
   116,076   102,113
Investment securities available for sale
   1,235   1,721
Other assets
   245   273
         
Total assets
 $ 119,301   116,986
         
Liabilities and Shareholders' Equity
        
         
Junior subordinated debentures
 $ 20,619   20,619
Liabilities
   17   12,648
Shareholders' equity
   98,665   83,719
         
Total liabilities and shareholders' equity
 $ 119,301   116,986
 
 
Statements of Earnings
             
For the Years Ended December 31, 2014, 2013 and 2012
(Dollars in thousands)
             
Revenues:
2014
  
2013
  
2012
  
             
Interest and dividend income
 $ 2,718   13,576   113  
               
Total revenues
   2,718   13,576   113  
               
Expenses:
              
               
Interest
   389   398   438  
Other operating expenses
   527   159   476  
               
Total expenses
   916   557   914  
               
Income/(Loss) before income tax benefit and equity in
              
undistributed earnings of subsidiaries
   1,802   13,019   (801 )
               
Income tax benefit
   239   84   166  
               
Income/(Loss) before equity in undistributed
              
earnings of subsidiaries
   2,041   13,103   (635 )
               
Equity in undistributed earnings (loss) of subsidiaries
   7,347   (6,412 ) 6,428  
               
Net earnings
 $ 9,388   6,691   5,793  
 
 
 
A-61
 
 
 
Statements of Cash Flows
             
For the Years Ended December 31, 2014, 2013 and 2012
(Dollars in thousands)
             
 
2014
  
2013
  
2012
  
Cash flows from operating activities:
            
             
Net earnings
 $ 9,388   6,691   5,793  
Adjustments to reconcile net earnings to net
              
cash used by operating activities:
              
Equity in undistributed earnings of subsidiaries
   (7,347 ) 6,412   (6,428 )
Impairment of investment securities
   -     -     -    
Change in:
              
Other assets
   28   (73 ) -    
Accrued income
   (5 ) -     11  
Accrued expense
   1   27   41  
Other liabilities
   (108 ) 108   -    
               
Net cash provided (used) by operating activities
   1,957   13,165   (583 )
               
Cash flows from investing activities:
              
               
Proceeds from maturities of investment securities available for sale
   500   1   -  
Net change in interest-bearing time deposit
   (1,000 ) 800   14,200  
               
Net cash provided by investing activities
   (500 )  801   14,200  
               
Cash flows from financing activities:
              
               
Cash dividends paid on Series A preferred stock
   -     (734 ) (1,023 )
Cash dividends paid on common stock
   (1,022 ) (677 ) (1,003 )
Preferred stock and warrant repurchase
   (12,524 ) -     (12,122 )
Stock repurchase
   (82 ) -     -    
Proceeds from exercise of stock options
   37   -     539  
               
Net cash used by financing activities
   (13,591 ) (1,411 ) (13,609 )
               
Net change in cash
   (12,134 ) 12,555   8  
               
Cash at beginning of year
   12,879   324   316  
               
Cash at end of year
 $ 745   12,879   324  
               
Noncash investing and financing activities:
              
Change in unrealized gain on investment securities
              
 available for sale, net
 $ 8   77   (46 )
    Accrued redemption of Series A Preferred Stock   -      12,632   -     
 
 
 
A-62
 
 
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
Practitioner of Internal Medicine, BL Price Medical Consultants, PLLC

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-63
 
 
 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 25, 2015, 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, 2014. 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, LLC
 
 
 
Atlanta, Georgia
March 25, 2015
 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 25, 2015
  
 /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 25, 2015
  
 /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, 2014, 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 25, 2015
  
 /s/ Lance A. Sellers
Date
  
Lance A. Sellers
   
Chief Executive Officer
     
     
     
March 25, 2015
  
 /s/ A. Joseph Lampron, Jr.
Date
  
A. Joseph Lampron, Jr.
   
Chief Financial Officer
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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. 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Peoples Bancorp of North Carolina, Inc. (Parent Company Only) Condensed Financial Statements (Details) link:presentationLink link:calculationLink link:definitionLink EX-101.CAL 14 pebk-20141231_cal.xml PEOPLES BANCORP OF NORTH CAROLINA, INC. TAXONOMY EXTENSION CALCULATION LINKBASE EX-101.DEF 15 pebk-20141231_def.xml PEOPLES BANCORP OF NORTH CAROLINA, INC. TAXONOMY EXTENSION DEFINITION LINKBASE EX-101.LAB 16 pebk-20141231_lab.xml PEOPLES BANCORP OF NORTH CAROLINA, INC. TAXONOMY EXTENSION LABEL LINKBASE Level 1 Class of Financing Receivable [Axis] Level 2 Level 3 Total gains (losses) for the year ended Mortgage-backed securities Major Types of Debt and Equity Securities [Axis] U.S. Government sponsored enterprises State and political subdivisions Corporate bonds Trust preferred securities Equity securities Total Construction and land development Internal Credit Assessment [Axis] Single-family residential Single-family residential - Banco de la Gente stated income Commercial Multifamily and Farmland Total real estate loans Commercial loans (not secured by real estate) Farm loans (not secured by real estate) Consumer loans (not secured by real estate) All other loans (not secured by real estate) Consumer And All Other Loans Unallocated Excellent Quality High Quality Good Quality Management Attention Watch Substandard Low Substandard Doubtful Loss Carrying Amount Measurement Basis [Axis] Level 1 Level 2 Level 3 Estimated Fair Value Construction and land development Total real estate TDR loans Total TDR Loans Single-family residential- Banco de la Gente stated income Single-family residential Commercial loans TDR (not secured by real estate) Preferred Stock Equity Components [Axis] Common Stock Retained Earnings Accumulated Other Comprehensive Income Commitments to extend credit Financial Instrument [Axis] Standby letters of credit and financial guarantees written Total capital (to Risk-Weighted Assets) Regulatory Asset [Axis] Consolidated Business Segments [Axis] Bank Tier 1 Capital (to Risk- Weighted Assets) Tier 1 Capital (Average Assets) Parent Company Legal Entity [Axis] Total TDR loans Document And Entity Information Entity Registrant Name Entity Central Index Key Document Type Document Period End Date Amendment Flag Current Fiscal Year End Date Is Entity a Well-known Seasoned Issuer? Is Entity a Voluntary Filer? Is Entity's Reporting Status Current? Entity Filer Category Entity Public Float Entity Common Stock, Shares Outstanding Document Fiscal Period Focus Document Fiscal Year Focus Statement of Financial Position [Abstract] Assets Cash and due from banks, including reserve requirements of $12,569 and $11,472 Interest-bearing deposits Cash and cash equivalents Investment securities available for sale Other investments Total securities Mortgage loans held for sale Loans Less allowance for loan losses Net loans Premises and equipment, net Cash surrender value of life insurance Other real estate Accrued interest receivable and other assets Total assets Liabilities and Shareholders' Equity Deposits: Non-interest bearing demand NOW, MMDA & savings Time, $250,000 or more Other time Total deposits Securities sold under agreements to repurchase FHLB borrowings Junior subordinated debentures Accrued interest payable and other liabilities Total liabilities Commitments Shareholders' equity: Series A preferred stock, $1,000 stated value; authorized 5,000,000 shares; no shares issued and outstanding Common stock, no par value; authorized 20,000,000 shares; issued and outstanding 5,612,588 shares in 2014 and 5,613,495 shares in 2013 Retained earnings Accumulated other comprehensive income (loss) Total shareholders' equity Total liabilities and shareholders' equity Cash and due from banks, reserve requirements Series A preferred stock, stated value (in dollars per share) Series A preferred stock, shares authorized (in shares) Series A preferred stock, shares issued (in shares) Series A preferred stock, shares outstanding (in shares) Common stock, par value (in dollars per share) Common stock, shares authorized (in shares) Common stock, shares issued (in shares) Common stock, shares outstanding (in shares) Income Statement [Abstract] Interest income: Interest and fees on loans Interest on due from banks Interest on investment securities: U.S. Government sponsored enterprises States and political subdivisions Other Total interest income Interest expense: NOW, MMDA & savings deposits Time deposits FHLB borrowings Junior subordinated debentures Other Total interest expense Net interest income (Reduction of) provision for loan losses Net interest income after provision for loan losses Non-interest income: Service charges Other service charges and fees Gain on sale of securities Mortgage banking income Insurance and brokerage commissions Loss on sales and write-downs of other real estate Miscellaneous Total non-interest income Non-interest expense: Salaries and employee benefits Occupancy Other Total non-interest expense Earnings before income taxes Income tax expense Net earnings Dividends and accretion of preferred stock Net earnings available to common shareholders Basic net earnings per common share Diluted net earnings per common share Cash dividends declared per common share Consolidated Statements Of Comprehensive Income Loss Net earnings Other comprehensive income (loss): Unrealized holding gains 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maturities and paydowns of investment securities available for sale Proceeds from sales of investment securities available for sale Purchases of other investments FHLB stock redemption Net change in loans Purchases of premises and equipment Proceeds from sale of other real estate and repossessions Net cash (used) provided by investing activities Cash flows from financing activities: Net change in deposits Net change in securities sold under agreement to repurchase Proceeds from FHLB borrowings Repayments of FHLB borrowings Proceeds from FRB borrowings Repayments of FRB borrowings Preferred stock and warrant repurchase Stock options exercised Common stock repurchased Cash dividends paid on Series A preferred stock Cash dividends paid on common stock Net cash (used) provided by financing activities Net change in cash and cash equivalents Cash and cash equivalents at beginning of period Cash and cash equivalents at end of period Supplemental disclosures of cash flow information: Cash paid during the year for: Interest Income taxes Noncash investing and financing activities: Change in unrealized (loss) gain on investment securities available for sale, net Change in unrealized gain on derivative financial instruments, net Transfer of loans to other real estate and repossessions Financed portion of sale of other real estate Accretion of Series A preferred stock Discount on preferred stock repurchased Accrued redemption of Series A Preferred Stock Accounting Policies [Abstract] 1. Summary of Significant Accounting Policies Investments, Debt and Equity Securities [Abstract] Investment Securities Receivables [Abstract] Loans Property, Plant and Equipment [Abstract] Premises and Equipment Banking and Thrift [Abstract] Time Deposits Federal Home Loan Bank and Federal Reserve Bank Borrowings Brokers and Dealers [Abstract] Junior Subordinated Debentures Income Tax Disclosure [Abstract] Income Taxes Related Party Transactions [Abstract] Related Party Transactions Commitments and Contingencies Disclosure [Abstract] Commitments and Contingencies Compensation and Retirement Disclosure [Abstract] Employee and Director Benefit Programs Regulatory Matters Equity [Abstract] Shareholders' Equity Other Income and Expenses [Abstract] Other Operating Income and Expense Fair Value Disclosures [Abstract] Fair Value of Financial Instruments Condensed Financial Information of Parent Company Only Disclosure [Abstract] Peoples Bancorp of North Carolina, Inc. (Parent Company Only) Condensed Financial Statements Organization Principles of Consolidation Basis of Presentation Cash and Cash Equivalents Investment Securities Other Investments Mortgage Loans Held for Sale Loans Allowance for Loan Losses Mortgage Banking Activities Premises and Equipment Other Real Estate Income Taxes Derivative Financial Instruments and Hedging Activities Advertising Costs Stock-Based Compensation Net Earnings Per Share Recent Accounting Pronouncements Reclassification Summary Of Significant Accounting Policies Tables Stock Option Activity Reconciliations of the amounts used in the computation of both basic earnings per common share and diluted earnings per common share Investment Securities Tables Investment securities available for sale Current fair value and associated unrealized losses on investments in debt securities with unrealized losses Amortized cost and estimated fair value of investment securities available for sale by contractual maturity Available for sale securities measured at fair value on a recurring basis Fair value measurements of investment securities available for sale using Level 3 significant unobservable inputs Loans Tables Major classifications of loans Age analysis of past due loans, by loan type Non-accrual loans Impaired loans Fair value measurements for impaired loans and other real estate on a non-recurring basis Changes in the allowance for loan losses Credit risk profile of each loan type based on internally assigned risk grade Analysis of TDR loans by loan type Summary of premises and equipment Scheduled maturities of time deposits Borrowings from the FHLB outstanding Components of Income Tax Expense (Benefit) Schedule of Effective Income Tax Rate Reconciliation Schedule of Deferred Tax Assets and Liabilities Summary of activity for related party loans Future Minimum Rental Payments for Operating Leases Financial instruments with credit risk Change in accumulated benefit obligation Amounts recognized in the 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, 2014 Exercisable, December 31, 2014 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, 2014 Weighted Average Exercise Price Exercisable, December 31, 2014 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, 2014 Aggregate Intrinsic Value Options Outstanding, Intrinsic Value, December 31, 2014 Options Exercisable, Intrinsic Value, December 31, 2014 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 Compensation expense for restricted stock units 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 and calls) 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 for sale securities Loss on sales of available for 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 2015 2016 2017 2018 2019 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 value 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 Federal credit carryforward State credit carryforward 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 2015 2016 2017 2018 2019 Thereafter Total minimum obligation Commitments and contingencies Commitments And Contingencies Details Narrative Rent expense Overnight federal funds 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 Unrecognized prior service cost/benefit Unrecognized net actuarial loss Net amount recognized Unfunded accrued liability Intangible assets Net amounts recognized 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 2015 2016 2017 2018 2019 Thereafter Employee And Director Benefit Programs Details Narrative Employee contributions, percentage 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 Consulting NC Tax Credit Amortization 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 Total assets Liabilities Shareholders' equity Revenues: Interest and dividend income 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 (loss) of subsidiaries Equity in undistributed earnings of subsidiaries Impairment of investment securities Accrued income Accrued expense Other liabilities Net cash provided (used by) operating activities 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 Stock repurchase Restricted stock payout Proceeds from exercise of stock options Cash at beginning of year Cash at end of year Change in 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1. Summary of Significant Accounting Policies (Details) (USD $)
In Thousands, except Share data, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Number of Options  
Number of Options Outstanding, Beginning 3,630us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber
Number of Options Granted 0us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod
Number of Options Expired 0us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExpirationsInPeriod
Number of Options Forfeited 0us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod
Number of Options Exercised (3,630)PEBK_NumberOfOptionsExercised
Number of Options Outstanding, Ending 0us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber
Exercisable, December 31, 2014 0us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber
Weighted Average Exercise Price  
Weighted Average Exercise Price Outstanding, Beginning $ 10.31us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice
Weighted Average Exercise Price Granted $ 0.00us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice
Weighted Average Exercise Price Expired $ 0.00us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExpirationsInPeriodWeightedAverageExercisePrice
Weighted Average Exercise Price Forfeited $ 0.00us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice
Weighted Average Exercise Price Exercised $ 10.31us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice
Weighted Average Exercise Price Outstanding, Ending $ 0.00us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice
Weighted Average Exercise Price Exercisable, December 31, 2014 $ 0.00us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice
Weighted Average Remaining Contractual Life (in years)  
Weighted Average Remaining Contractual Term (in years) Outstanding 0 years
Weighted Average Remaining Contractual Term (in years) Exercisable, December 31, 2014 0 years
Aggregate Intrinsic Value  
Options Outstanding, Intrinsic Value, December 31, 2014 $ 0us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue
Options Exercisable, Intrinsic Value, December 31, 2014 $ 0us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1

XML 19 R54.htm IDEA: XBRL DOCUMENT v2.4.1.9
3. Loans, Credit Risk (Details) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Credit risk profile      
Total Loans $ 651,891us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome $ 620,960us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome $ 619,974us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
Excellent Quality      
Credit risk profile      
Total Loans 17,255us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ExcellentQualityMember		 16,678us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ExcellentQualityMember		  
High Quality      
Credit risk profile      
Total Loans 145,403us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_HighQualityMember		 116,889us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_HighQualityMember		  
Good Quality      
Credit risk profile      
Total Loans 327,893us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_GoodQualityMember		 306,756us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_GoodQualityMember		  
Management Attention      
Credit risk profile      
Total Loans 109,640us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ManagementAttentionMember		 116,514us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ManagementAttentionMember		  
Watch      
Credit risk profile      
Total Loans 30,096us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_WatchMember		 31,383us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_WatchMember		  
Substandard      
Credit risk profile      
Total Loans 21,600us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SubstandardMember		 32,735us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SubstandardMember		  
Doubtful      
Credit risk profile      
Total Loans 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_DoubtfulMember		 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_DoubtfulMember		  
Loss      
Credit risk profile      
Total Loans 4us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_LossMember		 5us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_LossMember		  
Construction and land development      
Credit risk profile      
Total Loans 57,617us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ConstructionAndLandDevelopmentMember		 63,742us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ConstructionAndLandDevelopmentMember		  
Single-family residential      
Credit risk profile      
Total Loans 206,417us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_ResidentialRealEstateMember		 195,975us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_ResidentialRealEstateMember		  
Single-family residential - Banco de la Gente stated income      
Credit risk profile      
Total Loans 47,015us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_BancoDeLaGenteMember		 49,463us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_BancoDeLaGenteMember		  
Commercial      
Credit risk profile      
Total Loans 228,558us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_CommercialRealEstateMember		 209,287us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_CommercialRealEstateMember		  
Multifamily and Farmland      
Credit risk profile      
Total Loans 12,400us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_MultifamilyAndFarmlandMember		 11,801us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_MultifamilyAndFarmlandMember		  
Commercial loans (not secured by real estate)      
Credit risk profile      
Total Loans 76,262us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_CommercialLoanMember		 68,047us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_CommercialLoanMember		  
Farm loans (not secured by real estate)      
Credit risk profile      
Total Loans 7us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember		 19us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember		  
Consumer loans (not secured by real estate)      
Credit risk profile      
Total Loans 10,060us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_ConsumerLoanMember		 9,593us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_ConsumerLoanMember		  
All other loans (not secured by real estate)      
Credit risk profile      
Total Loans 13,555us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_AllOtherLoansMember		 13,033us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_AllOtherLoansMember		  
Construction and land development      
Credit risk profile      
Total Loans 57,617us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConstructionAndLandDevelopmentMember		 63,742us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConstructionAndLandDevelopmentMember		 73,176us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConstructionAndLandDevelopmentMember
Construction and land development | Excellent Quality      
Credit risk profile      
Total Loans 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConstructionAndLandDevelopmentMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ExcellentQualityMember		 7us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConstructionAndLandDevelopmentMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ExcellentQualityMember		  
Construction and land development | High Quality      
Credit risk profile      
Total Loans 6,741us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConstructionAndLandDevelopmentMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_HighQualityMember		 7,852us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConstructionAndLandDevelopmentMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_HighQualityMember		  
Construction and land development | Good Quality      
Credit risk profile      
Total Loans 24,641us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConstructionAndLandDevelopmentMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_GoodQualityMember		 22,899us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConstructionAndLandDevelopmentMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_GoodQualityMember		  
Construction and land development | Management Attention      
Credit risk profile      
Total Loans 13,013us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConstructionAndLandDevelopmentMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ManagementAttentionMember		 14,464us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConstructionAndLandDevelopmentMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ManagementAttentionMember		  
Construction and land development | Watch      
Credit risk profile      
Total Loans 9,294us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConstructionAndLandDevelopmentMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_WatchMember		 8,163us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConstructionAndLandDevelopmentMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_WatchMember		  
Construction and land development | Substandard      
Credit risk profile      
Total Loans 3,928us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConstructionAndLandDevelopmentMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SubstandardMember		 10,357us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConstructionAndLandDevelopmentMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SubstandardMember		  
Construction and land development | Doubtful      
Credit risk profile      
Total Loans 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConstructionAndLandDevelopmentMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_DoubtfulMember		 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConstructionAndLandDevelopmentMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_DoubtfulMember		  
Construction and land development | Loss      
Credit risk profile      
Total Loans 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConstructionAndLandDevelopmentMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_LossMember		 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConstructionAndLandDevelopmentMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_LossMember		  
Single-family residential      
Credit risk profile      
Total Loans 206,417us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialRealEstateMember		 195,975us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialRealEstateMember		 195,003us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialRealEstateMember
Single-family residential | Excellent Quality      
Credit risk profile      
Total Loans 15,099us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialRealEstateMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ExcellentQualityMember		 15,036us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialRealEstateMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ExcellentQualityMember		  
Single-family residential | High Quality      
Credit risk profile      
Total Loans 74,367us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialRealEstateMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_HighQualityMember		 60,882us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialRealEstateMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_HighQualityMember		  
Single-family residential | Good Quality      
Credit risk profile      
Total Loans 74,453us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialRealEstateMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_GoodQualityMember		 73,118us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialRealEstateMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_GoodQualityMember		  
Single-family residential | Management Attention      
Credit risk profile      
Total Loans 30,954us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialRealEstateMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ManagementAttentionMember		 34,090us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialRealEstateMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ManagementAttentionMember		  
Single-family residential | Watch      
Credit risk profile      
Total Loans 5,749us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialRealEstateMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_WatchMember		 6,806us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialRealEstateMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_WatchMember		  
Single-family residential | Substandard      
Credit risk profile      
Total Loans 5,795us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialRealEstateMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SubstandardMember		 6,043us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialRealEstateMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SubstandardMember		  
Single-family residential | Doubtful      
Credit risk profile      
Total Loans 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialRealEstateMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_DoubtfulMember		 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialRealEstateMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_DoubtfulMember		  
Single-family residential | Loss      
Credit risk profile      
Total Loans 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialRealEstateMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_LossMember		 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialRealEstateMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_LossMember		  
Single-family residential - Banco de la Gente stated income      
Credit risk profile      
Total Loans 47,015us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_BancoDeLaGenteMember		 49,463us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_BancoDeLaGenteMember		 52,019us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_BancoDeLaGenteMember
Single-family residential - Banco de la Gente stated income | Excellent Quality      
Credit risk profile      
Total Loans 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_BancoDeLaGenteMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ExcellentQualityMember		 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_BancoDeLaGenteMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ExcellentQualityMember		  
Single-family residential - Banco de la Gente stated income | High Quality      
Credit risk profile      
Total Loans 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_BancoDeLaGenteMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_HighQualityMember		 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_BancoDeLaGenteMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_HighQualityMember		  
Single-family residential - Banco de la Gente stated income | Good Quality      
Credit risk profile      
Total Loans 21,022us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_BancoDeLaGenteMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_GoodQualityMember		 22,255us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_BancoDeLaGenteMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_GoodQualityMember		  
Single-family residential - Banco de la Gente stated income | Management Attention      
Credit risk profile      
Total Loans 12,721us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_BancoDeLaGenteMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ManagementAttentionMember		 8,369us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_BancoDeLaGenteMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ManagementAttentionMember		  
Single-family residential - Banco de la Gente stated income | Watch      
Credit risk profile      
Total Loans 5,799us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_BancoDeLaGenteMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_WatchMember		 8,113us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_BancoDeLaGenteMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_WatchMember		  
Single-family residential - Banco de la Gente stated income | Substandard      
Credit risk profile      
Total Loans 7,473us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_BancoDeLaGenteMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SubstandardMember		 10,726us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_BancoDeLaGenteMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SubstandardMember		  
Single-family residential - Banco de la Gente stated income | Doubtful      
Credit risk profile      
Total Loans 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_BancoDeLaGenteMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_DoubtfulMember		 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_BancoDeLaGenteMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_DoubtfulMember		  
Single-family residential - Banco de la Gente stated income | Loss      
Credit risk profile      
Total Loans 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_BancoDeLaGenteMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_LossMember		 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_BancoDeLaGenteMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_LossMember		  
Commercial      
Credit risk profile      
Total Loans 228,558us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateMember		 209,287us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateMember		 200,633us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateMember
Commercial | Excellent Quality      
Credit risk profile      
Total Loans 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ExcellentQualityMember		 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ExcellentQualityMember		  
Commercial | High Quality      
Credit risk profile      
Total Loans 39,888us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_HighQualityMember		 33,340us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_HighQualityMember		  
Commercial | Good Quality      
Credit risk profile      
Total Loans 142,141us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_GoodQualityMember		 123,604us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_GoodQualityMember		  
Commercial | Management Attention      
Credit risk profile      
Total Loans 36,433us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ManagementAttentionMember		 42,914us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ManagementAttentionMember		  
Commercial | Watch      
Credit risk profile      
Total Loans 6,153us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_WatchMember		 5,190us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_WatchMember		  
Commercial | Substandard      
Credit risk profile      
Total Loans 3,943us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SubstandardMember		 4,239us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SubstandardMember		  
Commercial | Doubtful      
Credit risk profile      
Total Loans 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_DoubtfulMember		 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_DoubtfulMember		  
Commercial | Loss      
Credit risk profile      
Total Loans 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_LossMember		 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_LossMember		  
Multifamily and Farmland      
Credit risk profile      
Total Loans 12,400us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_MultifamilyAndFarmlandMember		 11,801us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_MultifamilyAndFarmlandMember		 8,951us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_MultifamilyAndFarmlandMember
Multifamily and Farmland | Excellent Quality      
Credit risk profile      
Total Loans 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_MultifamilyAndFarmlandMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ExcellentQualityMember		 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_MultifamilyAndFarmlandMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ExcellentQualityMember		  
Multifamily and Farmland | High Quality      
Credit risk profile      
Total Loans 241us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_MultifamilyAndFarmlandMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_HighQualityMember		 715us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_MultifamilyAndFarmlandMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_HighQualityMember		  
Multifamily and Farmland | Good Quality      
Credit risk profile      
Total Loans 8,376us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_MultifamilyAndFarmlandMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_GoodQualityMember		 7,882us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_MultifamilyAndFarmlandMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_GoodQualityMember		  
Multifamily and Farmland | Management Attention      
Credit risk profile      
Total Loans 1,001us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_MultifamilyAndFarmlandMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ManagementAttentionMember		 286us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_MultifamilyAndFarmlandMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ManagementAttentionMember		  
Multifamily and Farmland | Watch      
Credit risk profile      
Total Loans 2,672us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_MultifamilyAndFarmlandMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_WatchMember		 2,741us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_MultifamilyAndFarmlandMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_WatchMember		  
Multifamily and Farmland | Substandard      
Credit risk profile      
Total Loans 110us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_MultifamilyAndFarmlandMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SubstandardMember		 177us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_MultifamilyAndFarmlandMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SubstandardMember		  
Multifamily and Farmland | Doubtful      
Credit risk profile      
Total Loans 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_MultifamilyAndFarmlandMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_DoubtfulMember		 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_MultifamilyAndFarmlandMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_DoubtfulMember		  
Multifamily and Farmland | Loss      
Credit risk profile      
Total Loans 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_MultifamilyAndFarmlandMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_LossMember		 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_MultifamilyAndFarmlandMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_LossMember		  
Commercial loans (not secured by real estate)      
Credit risk profile      
Total Loans 76,262us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialLoanMember		 68,047us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialLoanMember		 64,295us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialLoanMember
Commercial loans (not secured by real estate) | Excellent Quality      
Credit risk profile      
Total Loans 924us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialLoanMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ExcellentQualityMember		 365us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialLoanMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ExcellentQualityMember		  
Commercial loans (not secured by real estate) | High Quality      
Credit risk profile      
Total Loans 18,730us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialLoanMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_HighQualityMember		 8,442us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialLoanMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_HighQualityMember		  
Commercial loans (not secured by real estate) | Good Quality      
Credit risk profile      
Total Loans 44,649us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialLoanMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_GoodQualityMember		 44,353us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialLoanMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_GoodQualityMember		  
Commercial loans (not secured by real estate) | Management Attention      
Credit risk profile      
Total Loans 11,312us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialLoanMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ManagementAttentionMember		 13,704us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialLoanMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ManagementAttentionMember		  
Commercial loans (not secured by real estate) | Watch      
Credit risk profile      
Total Loans 383us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialLoanMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_WatchMember		 320us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialLoanMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_WatchMember		  
Commercial loans (not secured by real estate) | Substandard      
Credit risk profile      
Total Loans 264us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialLoanMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SubstandardMember		 863us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialLoanMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SubstandardMember		  
Commercial loans (not secured by real estate) | Doubtful      
Credit risk profile      
Total Loans 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialLoanMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_DoubtfulMember		 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialLoanMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_DoubtfulMember		  
Commercial loans (not secured by real estate) | Loss      
Credit risk profile      
Total Loans 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialLoanMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_LossMember		 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialLoanMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_LossMember		  
Farm loans (not secured by real estate)      
Credit risk profile      
Total Loans 7us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember		 19us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember		 11us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember
Farm loans (not secured by real estate) | Excellent Quality      
Credit risk profile      
Total Loans 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ExcellentQualityMember		 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ExcellentQualityMember		  
Farm loans (not secured by real estate) | High Quality      
Credit risk profile      
Total Loans 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_HighQualityMember		 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_HighQualityMember		  
Farm loans (not secured by real estate) | Good Quality      
Credit risk profile      
Total Loans 7us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_GoodQualityMember		 19us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_GoodQualityMember		  
Farm loans (not secured by real estate) | Management Attention      
Credit risk profile      
Total Loans 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ManagementAttentionMember		 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ManagementAttentionMember		  
Farm loans (not secured by real estate) | Watch      
Credit risk profile      
Total Loans 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_WatchMember		 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_WatchMember		  
Farm loans (not secured by real estate) | Substandard      
Credit risk profile      
Total Loans 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SubstandardMember		 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SubstandardMember		  
Farm loans (not secured by real estate) | Doubtful      
Credit risk profile      
Total Loans 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_DoubtfulMember		 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_DoubtfulMember		  
Farm loans (not secured by real estate) | Loss      
Credit risk profile      
Total Loans 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_LossMember		 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_LossMember		  
Consumer loans (not secured by real estate)      
Credit risk profile      
Total Loans 10,060us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerLoanMember		 9,593us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerLoanMember		  
Consumer loans (not secured by real estate) | Excellent Quality      
Credit risk profile      
Total Loans 1,232us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerLoanMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ExcellentQualityMember		 1,270us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerLoanMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ExcellentQualityMember		  
Consumer loans (not secured by real estate) | High Quality      
Credit risk profile      
Total Loans 3,576us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerLoanMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_HighQualityMember		 3,519us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerLoanMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_HighQualityMember		  
Consumer loans (not secured by real estate) | Good Quality      
Credit risk profile      
Total Loans 4,549us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerLoanMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_GoodQualityMember		 4,061us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerLoanMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_GoodQualityMember		  
Consumer loans (not secured by real estate) | Management Attention      
Credit risk profile      
Total Loans 566us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerLoanMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ManagementAttentionMember		 358us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerLoanMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ManagementAttentionMember		  
Consumer loans (not secured by real estate) | Watch      
Credit risk profile      
Total Loans 46us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerLoanMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_WatchMember		 50us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerLoanMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_WatchMember		  
Consumer loans (not secured by real estate) | Substandard      
Credit risk profile      
Total Loans 87us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerLoanMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SubstandardMember		 330us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerLoanMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SubstandardMember		  
Consumer loans (not secured by real estate) | Doubtful      
Credit risk profile      
Total Loans 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerLoanMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_DoubtfulMember		 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerLoanMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_DoubtfulMember		  
Consumer loans (not secured by real estate) | Loss      
Credit risk profile      
Total Loans 4us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerLoanMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_LossMember		 5us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerLoanMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_LossMember		  
All other loans (not secured by real estate)      
Credit risk profile      
Total Loans 13,555us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_AllOtherLoansMember		 13,033us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_AllOtherLoansMember		  
All other loans (not secured by real estate) | Excellent Quality      
Credit risk profile      
Total Loans 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_AllOtherLoansMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ExcellentQualityMember		 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_AllOtherLoansMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ExcellentQualityMember		  
All other loans (not secured by real estate) | High Quality      
Credit risk profile      
Total Loans 1,860us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_AllOtherLoansMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_HighQualityMember		 2,139us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_AllOtherLoansMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_HighQualityMember		  
All other loans (not secured by real estate) | Good Quality      
Credit risk profile      
Total Loans 8,055us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_AllOtherLoansMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_GoodQualityMember		 8,565us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_AllOtherLoansMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_GoodQualityMember		  
All other loans (not secured by real estate) | Management Attention      
Credit risk profile      
Total Loans 3,640us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_AllOtherLoansMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ManagementAttentionMember		 2,329us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_AllOtherLoansMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ManagementAttentionMember		  
All other loans (not secured by real estate) | Watch      
Credit risk profile      
Total Loans 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_AllOtherLoansMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_WatchMember		 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_AllOtherLoansMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_WatchMember		  
All other loans (not secured by real estate) | Substandard      
Credit risk profile      
Total Loans 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_AllOtherLoansMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SubstandardMember		 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_AllOtherLoansMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SubstandardMember		  
All other loans (not secured by real estate) | Doubtful      
Credit risk profile      
Total Loans 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_AllOtherLoansMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_DoubtfulMember		 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_AllOtherLoansMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_DoubtfulMember		  
All other loans (not secured by real estate) | Loss      
Credit risk profile      
Total Loans $ 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_AllOtherLoansMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_LossMember		 $ 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_AllOtherLoansMember
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_LossMember		  
XML 20 R48.htm IDEA: XBRL DOCUMENT v2.4.1.9
3. Loans (Details) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Major classifications        
Total Loans $ 651,891us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome $ 620,960us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome $ 619,974us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome  
Less allowance for loan losses 11,082us-gaap_LoansAndLeasesReceivableAllowance 13,501us-gaap_LoansAndLeasesReceivableAllowance 14,423us-gaap_LoansAndLeasesReceivableAllowance 16,604us-gaap_LoansAndLeasesReceivableAllowance
Net loans 640,809us-gaap_LoansAndLeasesReceivableNetReportedAmount 607,459us-gaap_LoansAndLeasesReceivableNetReportedAmount    
Construction and land development        
Major classifications        
Total Loans 57,617us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConstructionAndLandDevelopmentMember		 63,742us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConstructionAndLandDevelopmentMember		 73,176us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConstructionAndLandDevelopmentMember		  
Less allowance for loan losses 2,785us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConstructionAndLandDevelopmentMember		 3,218us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConstructionAndLandDevelopmentMember		 4,399us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConstructionAndLandDevelopmentMember		 7,182us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConstructionAndLandDevelopmentMember
Single-family residential        
Major classifications        
Total Loans 206,417us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialRealEstateMember		 195,975us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialRealEstateMember		 195,003us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialRealEstateMember		  
Less allowance for loan losses 2,566us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialRealEstateMember		 3,123us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialRealEstateMember		 3,231us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialRealEstateMember		 3,253us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialRealEstateMember
Single-family residential - Banco de la Gente stated income        
Major classifications        
Total Loans 47,015us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_BancoDeLaGenteMember		 49,463us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_BancoDeLaGenteMember		 52,019us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_BancoDeLaGenteMember		  
Less allowance for loan losses 1,610us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_BancoDeLaGenteMember		 1,863us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_BancoDeLaGenteMember		 1,998us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_BancoDeLaGenteMember		 2,104us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_BancoDeLaGenteMember
Commercial        
Major classifications        
Total Loans 228,558us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateMember		 209,287us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateMember		 200,633us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateMember		  
Less allowance for loan losses 1,902us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateMember		 2,219us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateMember		 2,049us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateMember		 1,731us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateMember
Multifamily and Farmland        
Major classifications        
Total Loans 12,400us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_MultifamilyAndFarmlandMember		 11,801us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_MultifamilyAndFarmlandMember		 8,951us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_MultifamilyAndFarmlandMember		  
Less allowance for loan losses 7us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_MultifamilyAndFarmlandMember		 37us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_MultifamilyAndFarmlandMember		 28us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_MultifamilyAndFarmlandMember		 13us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_MultifamilyAndFarmlandMember
Total real estate loans        
Major classifications        
Total Loans 552,007us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_RealEstateMember		 530,268us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_RealEstateMember		    
Commercial loans (not secured by real estate)        
Major classifications        
Total Loans 76,262us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialLoanMember		 68,047us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialLoanMember		 64,295us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialLoanMember		  
Less allowance for loan losses 1,098us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialLoanMember		 1,069us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialLoanMember		 1,088us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialLoanMember		 1,029us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialLoanMember
Farm loans (not secured by real estate)        
Major classifications        
Total Loans 7us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember		 19us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember		 11us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember		  
Less allowance for loan losses 0us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember		 0us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember		 0us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember		 0us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember
Consumer loans (not secured by real estate)        
Major classifications        
Total Loans 10,060us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerLoanMember		 9,593us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerLoanMember		    
All other loans (not secured by real estate)        
Major classifications        
Total Loans $ 13,555us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_AllOtherLoansMember		 $ 13,033us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_AllOtherLoansMember		    
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XML 23 R55.htm IDEA: XBRL DOCUMENT v2.4.1.9
3. Loans, TDR Loan Modifications (Details) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
TDR Loans    
Post-Modification Outstanding Recorded Investment $ 15,000us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2 $ 21,900us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2
Construction and land development    
TDR Loans    
Number of Contracts 1us-gaap_FinancingReceivableModificationsNumberOfContracts2
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ConstructionAndLandDevelopmentTDRMember		 2us-gaap_FinancingReceivableModificationsNumberOfContracts2
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ConstructionAndLandDevelopmentTDRMember
Pre-Modification Outstanding Recorded Investment 291us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ConstructionAndLandDevelopmentTDRMember		 841us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ConstructionAndLandDevelopmentTDRMember
Post-Modification Outstanding Recorded Investment 266us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ConstructionAndLandDevelopmentTDRMember		 824us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ConstructionAndLandDevelopmentTDRMember
Single-family residential    
TDR Loans    
Number of Contracts 2us-gaap_FinancingReceivableModificationsNumberOfContracts2
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_SingleFamilyResidentialTDRMember		  
Pre-Modification Outstanding Recorded Investment 849us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_SingleFamilyResidentialTDRMember		  
Post-Modification Outstanding Recorded Investment 845us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_SingleFamilyResidentialTDRMember		  
Single-family residential- Banco de la Gente stated income    
TDR Loans    
Number of Contracts 3us-gaap_FinancingReceivableModificationsNumberOfContracts2
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_SingleFamilyResidentialBancoGenteMember		 7us-gaap_FinancingReceivableModificationsNumberOfContracts2
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_SingleFamilyResidentialBancoGenteMember
Pre-Modification Outstanding Recorded Investment 281us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_SingleFamilyResidentialBancoGenteMember		 796us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_SingleFamilyResidentialBancoGenteMember
Post-Modification Outstanding Recorded Investment 278us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_SingleFamilyResidentialBancoGenteMember		 788us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_SingleFamilyResidentialBancoGenteMember
Total real estate TDR loans    
TDR Loans    
Number of Contracts 6us-gaap_FinancingReceivableModificationsNumberOfContracts2
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_TdrTotalRealEstateMember		 9us-gaap_FinancingReceivableModificationsNumberOfContracts2
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_TdrTotalRealEstateMember
Pre-Modification Outstanding Recorded Investment 1,421us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_TdrTotalRealEstateMember		 1,637us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_TdrTotalRealEstateMember
Post-Modification Outstanding Recorded Investment 1,389us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_TdrTotalRealEstateMember		 1,612us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_TdrTotalRealEstateMember
Total TDR Loans    
TDR Loans    
Number of Contracts 6us-gaap_FinancingReceivableModificationsNumberOfContracts2
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_TdrTotalMember		 9us-gaap_FinancingReceivableModificationsNumberOfContracts2
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_TdrTotalMember
Pre-Modification Outstanding Recorded Investment 1,421us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_TdrTotalMember		 1,637us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_TdrTotalMember
Post-Modification Outstanding Recorded Investment $ 1,389us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_TdrTotalMember		 $ 1,612us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_TdrTotalMember
XML 24 R78.htm IDEA: XBRL DOCUMENT v2.4.1.9
16. Peoples Bancorp of North Carolina, Inc. (Parent Company Only) Condensed Financial Statements (Details) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Assets      
Interest-bearing time deposit $ 17,885us-gaap_InterestBearingDepositsInBanks $ 26,871us-gaap_InterestBearingDepositsInBanks  
Investment securities available for sale 281,099us-gaap_AvailableForSaleSecurities 297,890us-gaap_AvailableForSaleSecurities  
Total assets 1,040,494us-gaap_Assets 1,034,684us-gaap_Assets  
Liabilities and Shareholders' Equity      
Junior subordinated debentures 20,619us-gaap_SubordinatedDebt 20,619us-gaap_SubordinatedDebt  
Liabilities 941,829us-gaap_Liabilities 950,965us-gaap_Liabilities  
Shareholders' equity 98,665us-gaap_StockholdersEquity 83,719us-gaap_StockholdersEquity  
Total liabilities and shareholders' equity 1,040,494us-gaap_LiabilitiesAndStockholdersEquity 1,034,684us-gaap_LiabilitiesAndStockholdersEquity  
Revenues:      
Interest and dividend income 38,420us-gaap_InterestAndDividendIncomeOperating 36,696us-gaap_InterestAndDividendIncomeOperating 39,245us-gaap_InterestAndDividendIncomeOperating
Expenses:      
Interest 4,287us-gaap_InterestExpense 5,353us-gaap_InterestExpense 7,696us-gaap_InterestExpense
Income/(Loss) before income tax benefit and equity in undistributed earnings of subsidiaries 11,325us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments 8,570us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments 7,380us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments
Income tax benefit 1,937us-gaap_IncomeTaxExpenseBenefit 1,879us-gaap_IncomeTaxExpenseBenefit 1,587us-gaap_IncomeTaxExpenseBenefit
Net earnings 9,388us-gaap_NetIncomeLoss 6,691us-gaap_NetIncomeLoss 5,793us-gaap_NetIncomeLoss
Cash flows from operating activities:      
Net earnings 9,388us-gaap_NetIncomeLoss 6,691us-gaap_NetIncomeLoss 5,793us-gaap_NetIncomeLoss
Change in:      
Other assets (778)us-gaap_IncreaseDecreaseInOtherOperatingAssets 1,508us-gaap_IncreaseDecreaseInOtherOperatingAssets (441)us-gaap_IncreaseDecreaseInOtherOperatingAssets
Net cash provided (used by) operating activities 14,441us-gaap_NetCashProvidedByUsedInOperatingActivities 24,921us-gaap_NetCashProvidedByUsedInOperatingActivities 19,027us-gaap_NetCashProvidedByUsedInOperatingActivities
Cash flows from investing activities:      
Purchases of investment securities available for sale (32,851)us-gaap_PaymentsToAcquireAvailableForSaleSecurities (98,129)us-gaap_PaymentsToAcquireAvailableForSaleSecurities (88,304)us-gaap_PaymentsToAcquireAvailableForSaleSecurities
Proceeds from maturities of investment securities available for sale 36,148us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities 63,597us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities 63,225us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities
Net cash (used) provided by investing activities (11,898)us-gaap_NetCashProvidedByUsedInInvestingActivities (19,234)us-gaap_NetCashProvidedByUsedInInvestingActivities 64,797us-gaap_NetCashProvidedByUsedInInvestingActivities
Cash flows from financing activities:      
Cash dividends paid on Series A preferred stock   (734)us-gaap_DividendsPreferredStockCash (1,023)us-gaap_DividendsPreferredStockCash
Proceeds from exercise of stock options 37us-gaap_ProceedsFromStockOptionsExercised 0us-gaap_ProceedsFromStockOptionsExercised 539us-gaap_ProceedsFromStockOptionsExercised
Net cash (used) provided by financing activities (10,218)us-gaap_NetCashProvidedByUsedInFinancingActivities 22,243us-gaap_NetCashProvidedByUsedInFinancingActivities (64,217)us-gaap_NetCashProvidedByUsedInFinancingActivities
Net change in cash and cash equivalents (7,675)us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease 27,930us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease 19,607us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease
Noncash investing and financing activities:      
Change in unrealized gain on investment securities available for sale, net 6,625us-gaap_AvailableForSaleSecuritiesChangeInNetUnrealizedHoldingGainLoss (6,784)us-gaap_AvailableForSaleSecuritiesChangeInNetUnrealizedHoldingGainLoss 2,536us-gaap_AvailableForSaleSecuritiesChangeInNetUnrealizedHoldingGainLoss
Accrued redemption of Series A Preferred Stock 0PEBK_AccruedRedemptionOfSeriesPreferredStock 12,632PEBK_AccruedRedemptionOfSeriesPreferredStock 0PEBK_AccruedRedemptionOfSeriesPreferredStock
Parent Company      
Assets      
Cash 745us-gaap_Cash
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 12,879us-gaap_Cash
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 324us-gaap_Cash
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember
Interest-bearing time deposit 1,000us-gaap_InterestBearingDepositsInBanks
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 0us-gaap_InterestBearingDepositsInBanks
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		  
Investment in subsidiaries 116,076us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 102,113us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		  
Investment securities available for sale 1,235us-gaap_AvailableForSaleSecurities
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 1,721us-gaap_AvailableForSaleSecurities
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		  
Other assets 245us-gaap_OtherAssets
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 273us-gaap_OtherAssets
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		  
Total assets 119,301us-gaap_Assets
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 116,986us-gaap_Assets
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		  
Liabilities and Shareholders' Equity      
Junior subordinated debentures 20,619us-gaap_SubordinatedDebt
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 20,619us-gaap_SubordinatedDebt
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		  
Liabilities 17us-gaap_Liabilities
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 12,648us-gaap_Liabilities
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		  
Shareholders' equity 98,665us-gaap_StockholdersEquity
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 83,719us-gaap_StockholdersEquity
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		  
Total liabilities and shareholders' equity 119,301us-gaap_LiabilitiesAndStockholdersEquity
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 116,986us-gaap_LiabilitiesAndStockholdersEquity
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		  
Revenues:      
Interest and dividend income 2,718us-gaap_InterestAndDividendIncomeOperating
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 13,576us-gaap_InterestAndDividendIncomeOperating
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 113us-gaap_InterestAndDividendIncomeOperating
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember
Total revenues 2,718us-gaap_Revenues
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 13,576us-gaap_Revenues
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 113us-gaap_Revenues
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember
Expenses:      
Interest 389us-gaap_InterestExpense
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 398us-gaap_InterestExpense
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 438us-gaap_InterestExpense
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember
Other operating expenses 527us-gaap_OtherExpenses
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 159us-gaap_OtherExpenses
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 476us-gaap_OtherExpenses
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember
Total expenses 916us-gaap_OperatingExpenses
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 557us-gaap_OperatingExpenses
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 914us-gaap_OperatingExpenses
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember
Income/(Loss) before income tax benefit and equity in undistributed earnings of subsidiaries 1,802us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 13,019us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 (801)us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember
Income tax benefit 239us-gaap_IncomeTaxExpenseBenefit
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 84us-gaap_IncomeTaxExpenseBenefit
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 166us-gaap_IncomeTaxExpenseBenefit
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember
Income/(Loss) before equity in undistributed earnings of subsidiaries 2,041PEBK_IncomeLossBeforeEquityInUndistributedEarningsOfSubsidiaries
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 13,103PEBK_IncomeLossBeforeEquityInUndistributedEarningsOfSubsidiaries
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 (635)PEBK_IncomeLossBeforeEquityInUndistributedEarningsOfSubsidiaries
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember
Equity in undistributed earnings (loss) of subsidiaries 7,347PEBK_EquityInUndistributedEarningsOfSubsidiaries
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 (6,412)PEBK_EquityInUndistributedEarningsOfSubsidiaries
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 6,428PEBK_EquityInUndistributedEarningsOfSubsidiaries
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember
Net earnings 9,388us-gaap_NetIncomeLoss
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 6,691us-gaap_NetIncomeLoss
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 5,793us-gaap_NetIncomeLoss
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember
Cash flows from operating activities:      
Net earnings 9,388us-gaap_NetIncomeLoss
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 6,691us-gaap_NetIncomeLoss
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 5,793us-gaap_NetIncomeLoss
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember
Adjustments to reconcile net earnings to net cash provided by operating activities:      
Equity in undistributed earnings of subsidiaries (7,347)PEBK_EquityInUndistributedEarningsOfSubsidiaries
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 6,412PEBK_EquityInUndistributedEarningsOfSubsidiaries
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 (6,428)PEBK_EquityInUndistributedEarningsOfSubsidiaries
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember
Change in:      
Other assets 28us-gaap_IncreaseDecreaseInOtherOperatingAssets
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 (73)us-gaap_IncreaseDecreaseInOtherOperatingAssets
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 0us-gaap_IncreaseDecreaseInOtherOperatingAssets
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember
Accrued income (5)us-gaap_IncreaseDecreaseInDeferredRevenue
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 0us-gaap_IncreaseDecreaseInDeferredRevenue
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 11us-gaap_IncreaseDecreaseInDeferredRevenue
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember
Accrued expense 1us-gaap_IncreaseDecreaseInAccruedLiabilities
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 27us-gaap_IncreaseDecreaseInAccruedLiabilities
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 41us-gaap_IncreaseDecreaseInAccruedLiabilities
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember
Other liabilities (108)us-gaap_IncreaseDecreaseInOtherAccruedLiabilities
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 108us-gaap_IncreaseDecreaseInOtherAccruedLiabilities
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 0us-gaap_IncreaseDecreaseInOtherAccruedLiabilities
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember
Net cash provided (used by) operating activities 1,957us-gaap_NetCashProvidedByUsedInOperatingActivities
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 13,165us-gaap_NetCashProvidedByUsedInOperatingActivities
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 (583)us-gaap_NetCashProvidedByUsedInOperatingActivities
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember
Cash flows from investing activities:      
Proceeds from maturities of investment securities available for sale 500us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 1us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 0us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember
Net change in interest-bearing time deposit (1,000)us-gaap_ProceedsFromPaymentsForInInterestBearingDepositsInBanks
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 800us-gaap_ProceedsFromPaymentsForInInterestBearingDepositsInBanks
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 14,200us-gaap_ProceedsFromPaymentsForInInterestBearingDepositsInBanks
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember
Net cash (used) provided by investing activities (500)us-gaap_NetCashProvidedByUsedInInvestingActivities
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 801us-gaap_NetCashProvidedByUsedInInvestingActivities
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 14,200us-gaap_NetCashProvidedByUsedInInvestingActivities
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember
Cash flows from financing activities:      
Cash dividends paid on Series A preferred stock 0us-gaap_DividendsPreferredStockCash
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 (734)us-gaap_DividendsPreferredStockCash
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 (1,023)us-gaap_DividendsPreferredStockCash
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember
Cash dividends paid on common stock (1,022)us-gaap_DividendsCash
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 (677)us-gaap_DividendsCash
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 (1,003)us-gaap_DividendsCash
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember
Preferred stock and warrant repurchase (12,524)us-gaap_PaymentsForRepurchaseOfRedeemablePreferredStock
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 0us-gaap_PaymentsForRepurchaseOfRedeemablePreferredStock
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 (12,122)us-gaap_PaymentsForRepurchaseOfRedeemablePreferredStock
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember
Stock repurchase (82)us-gaap_PaymentsForRepurchaseOfCommonStock
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 0us-gaap_PaymentsForRepurchaseOfCommonStock
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 0us-gaap_PaymentsForRepurchaseOfCommonStock
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember
Proceeds from exercise of stock options 37us-gaap_ProceedsFromStockOptionsExercised
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 0us-gaap_ProceedsFromStockOptionsExercised
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 539us-gaap_ProceedsFromStockOptionsExercised
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember
Net cash (used) provided by financing activities (13,591)us-gaap_NetCashProvidedByUsedInFinancingActivities
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 (1,411)us-gaap_NetCashProvidedByUsedInFinancingActivities
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 (13,609)us-gaap_NetCashProvidedByUsedInFinancingActivities
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember
Net change in cash and cash equivalents (12,134)us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 12,555us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 8us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember
Cash at beginning of year 12,879us-gaap_Cash
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 324us-gaap_Cash
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 316us-gaap_Cash
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember
Cash at end of year 745us-gaap_Cash
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 12,879us-gaap_Cash
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 324us-gaap_Cash
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember
Noncash investing and financing activities:      
Change in unrealized gain on investment securities available for sale, net 8us-gaap_AvailableForSaleSecuritiesChangeInNetUnrealizedHoldingGainLoss
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 77us-gaap_AvailableForSaleSecuritiesChangeInNetUnrealizedHoldingGainLoss
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 (46)us-gaap_AvailableForSaleSecuritiesChangeInNetUnrealizedHoldingGainLoss
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember
Accrued redemption of Series A Preferred Stock $ 0PEBK_AccruedRedemptionOfSeriesPreferredStock
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 $ 12,632PEBK_AccruedRedemptionOfSeriesPreferredStock
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 $ 0PEBK_AccruedRedemptionOfSeriesPreferredStock
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember
XML 25 R46.htm IDEA: XBRL DOCUMENT v2.4.1.9
2. Investment securities, Fair Value Level 3 Valuation (Details) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Investment Securities Available for Sale Level 3 Valuation  
Balance, beginning of period $ 1,250us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue
Change in book value 0us-gaap_AssetAtFairValueChangesInFairValueResultingFromChangesInAssumptions
Change in gain/(loss) realized and unrealized 0us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1
Purchases/(sales and calls) (500)us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchasesSalesIssuancesSettlements
Transfers in and/or (out) of Level 3 0us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersNet
Balance, end of period 750us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue
Change in unrealized gain/(loss) for assets still held in Level 3 $ 0us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisChangeInUnrealizedGainLoss
XML 26 R33.htm IDEA: XBRL DOCUMENT v2.4.1.9
10. Commitments and Contingencies (Tables)
 12 Months Ended
Dec. 31, 2014
Commitments and Contingencies Disclosure [Abstract]  
Future Minimum Rental Payments for Operating Leases
(Dollars in thousands)   
    
Year ending December 31   
 2015    600 
 2016    603 
 2017    537 
 2018    501 
 2019    490 
 Thereafter    1,854 
 Total minimum obligation   $4,585 

 

 
Financial instruments with credit risk
(Dollars in thousands)      
    Contractual Amount 
    2014    2013 
Financial instruments whose contract amount represent credit risk:          
           
Commitments to extend credit  $168,733    146,243 
           
Standby letters of credit and financial guarantees written  $3,911    4,361 

 

 
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11. Employee and Director Benefit Programs (Details 3) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2014
Employee And Director Benefit Programs Details 3  
2015 $ 232us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths
2016 244us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo
2017 262us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree
2018 275us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour
2019 310us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive
Thereafter $ 8,345us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter
XML 29 R57.htm IDEA: XBRL DOCUMENT v2.4.1.9
4. Premises and Equipment (Details) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2014
Dec. 31, 2013
Premises And Equipment Details    
Land $ 3,681us-gaap_Land $ 3,667us-gaap_Land
Buildings and improvements 15,864us-gaap_BuildingsAndImprovementsGross 15,126us-gaap_BuildingsAndImprovementsGross
Furniture and equipment 18,442us-gaap_FurnitureAndFixturesGross 16,239us-gaap_FurnitureAndFixturesGross
Total premises and equipment 37,987us-gaap_PropertyPlantAndEquipmentGross 35,032us-gaap_PropertyPlantAndEquipmentGross
Less accumulated depreciation 20,987us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment 18,674us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment
Total net premises and equipment $ 17,000us-gaap_PropertyPlantAndEquipmentNet $ 16,358us-gaap_PropertyPlantAndEquipmentNet
XML 30 R76.htm IDEA: XBRL DOCUMENT v2.4.1.9
14. Other Operating Income and Expense (Details) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Other Operating Income And Expense Details      
Visa debit card income $ 3,170us-gaap_FeesAndCommissionsDebitCards $ 2,990us-gaap_FeesAndCommissionsDebitCards $ 2,092us-gaap_FeesAndCommissionsDebitCards
Net appraisal management fee income 525PEBK_NetAppraisalManagementFeeIncome 718PEBK_NetAppraisalManagementFeeIncome 737PEBK_NetAppraisalManagementFeeIncome
Insurance and brokerage commissions 701us-gaap_InsuranceCommissionsAndFees 661us-gaap_InsuranceCommissionsAndFees 517us-gaap_InsuranceCommissionsAndFees
Advertising 804us-gaap_AdvertisingExpense 685us-gaap_AdvertisingExpense 695us-gaap_AdvertisingExpense
FDIC insurance 739us-gaap_FederalDepositInsuranceCorporationPremiumExpense 864us-gaap_FederalDepositInsuranceCorporationPremiumExpense 894us-gaap_FederalDepositInsuranceCorporationPremiumExpense
Visa debit card expense 905PEBK_VisaDebitCardExpense 823PEBK_VisaDebitCardExpense 729PEBK_VisaDebitCardExpense
Telephone 574us-gaap_UtilitiesCosts 570us-gaap_UtilitiesCosts 554us-gaap_UtilitiesCosts
Foreclosure/OREO expense 317us-gaap_ForeclosedRealEstateExpense 356us-gaap_ForeclosedRealEstateExpense 677us-gaap_ForeclosedRealEstateExpense
Internet banking expense 644PEBK_InternetBankingExpense 568PEBK_InternetBankingExpense 593PEBK_InternetBankingExpense
FHLB advance prepayment penalty 869us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresRepaymentAndPenalties 530us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresRepaymentAndPenalties 0us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresRepaymentAndPenalties
Consulting 609PEBK_Consulting 468PEBK_Consulting 499PEBK_Consulting
NC Tax Credit Amortization $ 870PEBK_NcTaxCreditAmortization $ 160PEBK_NcTaxCreditAmortization $ 0PEBK_NcTaxCreditAmortization
XML 31 R77.htm IDEA: XBRL DOCUMENT v2.4.1.9
15. Fair Value of Financial Instruments (Details) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2014
Dec. 31, 2013
Assets:    
Investment securities available for sale $ 281,099us-gaap_AvailableForSaleSecurities $ 297,890us-gaap_AvailableForSaleSecurities
Carrying Amount    
Assets:    
Cash and cash equivalents 69,098us-gaap_CashAndCashEquivalentsFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= PEBK_FairValueMeasurementsCarryingValueMember		 76,773us-gaap_CashAndCashEquivalentsFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= PEBK_FairValueMeasurementsCarryingValueMember
Investment securities available for sale 281,099us-gaap_AvailableForSaleSecurities
/ us-gaap_FairValueByMeasurementBasisAxis
= PEBK_FairValueMeasurementsCarryingValueMember		 297,890us-gaap_AvailableForSaleSecurities
/ us-gaap_FairValueByMeasurementBasisAxis
= PEBK_FairValueMeasurementsCarryingValueMember
Other investments 4,031us-gaap_OtherAssetsFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= PEBK_FairValueMeasurementsCarryingValueMember		 4,990us-gaap_OtherAssetsFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= PEBK_FairValueMeasurementsCarryingValueMember
Mortgage loans held for sale 1,375us-gaap_MortgagesHeldForSaleFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= PEBK_FairValueMeasurementsCarryingValueMember		 497us-gaap_MortgagesHeldForSaleFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= PEBK_FairValueMeasurementsCarryingValueMember
Loans, net 640,809us-gaap_LoansReceivableFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= PEBK_FairValueMeasurementsCarryingValueMember		 607,459us-gaap_LoansReceivableFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= PEBK_FairValueMeasurementsCarryingValueMember
Cash surrender value of life insurance 14,125us-gaap_CashSurrenderValueFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= PEBK_FairValueMeasurementsCarryingValueMember		 13,706us-gaap_CashSurrenderValueFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= PEBK_FairValueMeasurementsCarryingValueMember
Liabilities:    
Deposits 814,700us-gaap_DepositsFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= PEBK_FairValueMeasurementsCarryingValueMember		 799,361us-gaap_DepositsFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= PEBK_FairValueMeasurementsCarryingValueMember
Securities sold under agreements to repurchase 48,430us-gaap_SecuritiesLoanedOrSoldUnderAgreementsToRepurchaseFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= PEBK_FairValueMeasurementsCarryingValueMember		 45,396us-gaap_SecuritiesLoanedOrSoldUnderAgreementsToRepurchaseFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= PEBK_FairValueMeasurementsCarryingValueMember
FHLB borrowings 50,000us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= PEBK_FairValueMeasurementsCarryingValueMember		 65,000us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= PEBK_FairValueMeasurementsCarryingValueMember
Junior subordinated debentures 20,619us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisSubordinatedDebtObligations
/ us-gaap_FairValueByMeasurementBasisAxis
= PEBK_FairValueMeasurementsCarryingValueMember		 20,619us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisSubordinatedDebtObligations
/ us-gaap_FairValueByMeasurementBasisAxis
= PEBK_FairValueMeasurementsCarryingValueMember
Level 1    
Assets:    
Cash and cash equivalents 69,098us-gaap_CashAndCashEquivalentsFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel1Member		 76,773us-gaap_CashAndCashEquivalentsFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel1Member
Investment securities available for sale 1,378us-gaap_AvailableForSaleSecurities
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel1Member		 1,689us-gaap_AvailableForSaleSecurities
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel1Member
Other investments 0us-gaap_OtherAssetsFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel1Member		 0us-gaap_OtherAssetsFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel1Member
Mortgage loans held for sale 0us-gaap_MortgagesHeldForSaleFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel1Member		 0us-gaap_MortgagesHeldForSaleFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel1Member
Loans, net 0us-gaap_LoansReceivableFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel1Member		 0us-gaap_LoansReceivableFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel1Member
Cash surrender value of life insurance 0us-gaap_CashSurrenderValueFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel1Member		 0us-gaap_CashSurrenderValueFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel1Member
Liabilities:    
Deposits 0us-gaap_DepositsFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel1Member		 0us-gaap_DepositsFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel1Member
Securities sold under agreements to repurchase 0us-gaap_SecuritiesLoanedOrSoldUnderAgreementsToRepurchaseFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel1Member		 0us-gaap_SecuritiesLoanedOrSoldUnderAgreementsToRepurchaseFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel1Member
FHLB borrowings 0us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel1Member		 0us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel1Member
Junior subordinated debentures 0us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisSubordinatedDebtObligations
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel1Member		 0us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisSubordinatedDebtObligations
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel1Member
Level 2    
Assets:    
Cash and cash equivalents 0us-gaap_CashAndCashEquivalentsFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel2Member		 0us-gaap_CashAndCashEquivalentsFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel2Member
Investment securities available for sale 278,971us-gaap_AvailableForSaleSecurities
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel2Member		 294,951us-gaap_AvailableForSaleSecurities
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel2Member
Other investments 0us-gaap_OtherAssetsFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel2Member		 0us-gaap_OtherAssetsFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel2Member
Mortgage loans held for sale 0us-gaap_MortgagesHeldForSaleFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel2Member		 0us-gaap_MortgagesHeldForSaleFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel2Member
Loans, net 0us-gaap_LoansReceivableFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel2Member		 0us-gaap_LoansReceivableFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel2Member
Cash surrender value of life insurance 14,125us-gaap_CashSurrenderValueFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel2Member		 13,706us-gaap_CashSurrenderValueFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel2Member
Liabilities:    
Deposits 0us-gaap_DepositsFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel2Member		 0us-gaap_DepositsFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel2Member
Securities sold under agreements to repurchase 48,430us-gaap_SecuritiesLoanedOrSoldUnderAgreementsToRepurchaseFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel2Member		 45,396us-gaap_SecuritiesLoanedOrSoldUnderAgreementsToRepurchaseFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel2Member
FHLB borrowings 49,598us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel2Member		 65,891us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel2Member
Junior subordinated debentures 20,619us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisSubordinatedDebtObligations
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel2Member		 20,619us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisSubordinatedDebtObligations
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel2Member
Level 3    
Assets:    
Cash and cash equivalents 0us-gaap_CashAndCashEquivalentsFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel3Member		 0us-gaap_CashAndCashEquivalentsFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel3Member
Investment securities available for sale 750us-gaap_AvailableForSaleSecurities
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel3Member		 1,250us-gaap_AvailableForSaleSecurities
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel3Member
Other investments 4,031us-gaap_OtherAssetsFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel3Member		 4,990us-gaap_OtherAssetsFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel3Member
Mortgage loans held for sale 1,375us-gaap_MortgagesHeldForSaleFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel3Member		 497us-gaap_MortgagesHeldForSaleFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel3Member
Loans, net 644,708us-gaap_LoansReceivableFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel3Member		 612,132us-gaap_LoansReceivableFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel3Member
Cash surrender value of life insurance 0us-gaap_CashSurrenderValueFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel3Member		 0us-gaap_CashSurrenderValueFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel3Member
Liabilities:    
Deposits 813,288us-gaap_DepositsFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel3Member		 798,460us-gaap_DepositsFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel3Member
Securities sold under agreements to repurchase 0us-gaap_SecuritiesLoanedOrSoldUnderAgreementsToRepurchaseFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel3Member		 0us-gaap_SecuritiesLoanedOrSoldUnderAgreementsToRepurchaseFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel3Member
FHLB borrowings 0us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel3Member		 0us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel3Member
Junior subordinated debentures 0us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisSubordinatedDebtObligations
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel3Member		 0us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisSubordinatedDebtObligations
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_FairValueInputsLevel3Member
Estimated Fair Value    
Assets:    
Cash and cash equivalents 69,098us-gaap_CashAndCashEquivalentsFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 76,773us-gaap_CashAndCashEquivalentsFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember
Investment securities available for sale 281,099us-gaap_AvailableForSaleSecurities
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 297,890us-gaap_AvailableForSaleSecurities
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember
Other investments 4,031us-gaap_OtherAssetsFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 4,990us-gaap_OtherAssetsFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember
Mortgage loans held for sale 1,375us-gaap_MortgagesHeldForSaleFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 497us-gaap_MortgagesHeldForSaleFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember
Loans, net 644,708us-gaap_LoansReceivableFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 612,132us-gaap_LoansReceivableFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember
Cash surrender value of life insurance 14,125us-gaap_CashSurrenderValueFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 13,706us-gaap_CashSurrenderValueFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember
Liabilities:    
Deposits 813,288us-gaap_DepositsFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 798,460us-gaap_DepositsFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember
Securities sold under agreements to repurchase 48,430us-gaap_SecuritiesLoanedOrSoldUnderAgreementsToRepurchaseFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 45,396us-gaap_SecuritiesLoanedOrSoldUnderAgreementsToRepurchaseFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember
FHLB borrowings 49,598us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 65,891us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember
Junior subordinated debentures $ 20,619us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisSubordinatedDebtObligations
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 $ 20,619us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisSubordinatedDebtObligations
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember
XML 32 R71.htm IDEA: XBRL DOCUMENT v2.4.1.9
11. Employee and Director Benefit Programs (Details 1) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Employee And Director Benefit Programs Details 1      
Benefit obligation $ 3,812us-gaap_DefinedBenefitPlanAccumulatedBenefitObligation $ 3,581us-gaap_DefinedBenefitPlanAccumulatedBenefitObligation $ 3,382us-gaap_DefinedBenefitPlanAccumulatedBenefitObligation
Fair value of plan assets 0us-gaap_DefinedBenefitPlanFairValueOfPlanAssets 0us-gaap_DefinedBenefitPlanFairValueOfPlanAssets  
Funded status (3,812)us-gaap_DefinedBenefitPlanFundedStatusOfPlan (3,581)us-gaap_DefinedBenefitPlanFundedStatusOfPlan  
Unrecognized prior service cost/benefit 0us-gaap_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit 0us-gaap_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit  
Unrecognized net actuarial loss 0us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax 0us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax  
Net amount recognized (3,812)us-gaap_DefinedBenefitPlanAmountsRecognizedInBalanceSheet (3,581)us-gaap_DefinedBenefitPlanAmountsRecognizedInBalanceSheet  
Unfunded accrued liability (3,812)us-gaap_DefinedBenefitPlanBeforeAdoptionOfSFAS158RecognitionProvisionsNetTransitionObligationsAssetsNotYetRecognized (3,581)us-gaap_DefinedBenefitPlanBeforeAdoptionOfSFAS158RecognitionProvisionsNetTransitionObligationsAssetsNotYetRecognized  
Intangible assets 0PEBK_DefinedBenefitPlanInangibleAssets 0PEBK_DefinedBenefitPlanInangibleAssets  
Net amounts recognized $ (3,812)us-gaap_DefinedBenefitPlanAmountsRecognizedInBalanceSheet $ (3,581)us-gaap_DefinedBenefitPlanAmountsRecognizedInBalanceSheet  
XML 33 R25.htm IDEA: XBRL DOCUMENT v2.4.1.9
1. Summary of Significant Accounting Policies (Tables)
 12 Months Ended
Dec. 31, 2014
Summary Of Significant Accounting Policies Tables  
Stock Option Activity
Stock Option Activity
For the Year Ended December 31, 2014
                 
  Shares  

Weighted 

Average Option

Price Per Share

  

Weighted Average

Remaining

Contractual Term (in

years)

    

Aggregate

Intrinsic

Value

(Dollars in

thousands)

Outstanding, December 31, 2013 3,630   $ 10.31          
                   
Granted during the period -     $ -          
Expired during the period -     $ -          
Forfeited during the period -     $ -          
Exercised during the period (3,630 ) $ 10.31          
                   
Outstanding, December 31, 2014 -     $ -       $                 -    
                   
Exercisable, December 31, 2014  -     $ -       $                  -    

 
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, 2014:

Net Earnings

Available to

Common

Shareholders

(Dollars in

thousands)

  

Common

Shares

  

Per Share

Amount

Basic earnings per common share $ 9,388   5,615,666   $ 1.67
Effect of dilutive securities:              
Stock options   -     26,326      
Diluted earnings per common share $ 9,388   5,641,992   $ 1.66
               
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

 
XML 34 R50.htm IDEA: XBRL DOCUMENT v2.4.1.9
3. Loans, Nonaccrual (Details) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2014
Dec. 31, 2013
Non-accrual loans    
Non-accrual loans $ 10,728us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest $ 13,836us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest
Construction and land development    
Non-accrual loans    
Non-accrual loans 3,854us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ConstructionAndLandDevelopmentMember		 6,546us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ConstructionAndLandDevelopmentMember
Single-family residential    
Non-accrual loans    
Non-accrual loans 2,370us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_ResidentialRealEstateMember		 2,980us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_ResidentialRealEstateMember
Single-family residential - Banco de la Gente stated income    
Non-accrual loans    
Non-accrual loans 1,545us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_BancoDeLaGenteMember		 1,990us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_BancoDeLaGenteMember
Commercial    
Non-accrual loans    
Non-accrual loans 2,598us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_CommercialRealEstateMember		 2,043us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_CommercialRealEstateMember
Multifamily and Farmland    
Non-accrual loans    
Non-accrual loans 110us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_MultifamilyAndFarmlandMember		 0us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_MultifamilyAndFarmlandMember
Total real estate loans    
Non-accrual loans    
Non-accrual loans 10,477us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_RealEstateMember		 13,559us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_RealEstateMember
Commercial loans (not secured by real estate)    
Non-accrual loans    
Non-accrual loans 176us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_CommercialLoanMember		 250us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_CommercialLoanMember
Consumer loans (not secured by real estate)    
Non-accrual loans    
Non-accrual loans $ 75us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_ConsumerLoanMember		 $ 27us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_ConsumerLoanMember
XML 35 R42.htm IDEA: XBRL DOCUMENT v2.4.1.9
2. Investment Securities (Details) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Investment securities available for sale    
Amortized Cost $ 272,167us-gaap_AvailableForSaleSecuritiesAmortizedCost $ 299,809us-gaap_AvailableForSaleSecuritiesAmortizedCost
Estimated Fair Value 281,099us-gaap_AvailableForSaleSecurities 297,890us-gaap_AvailableForSaleSecurities
Mortgage-backed securities    
Investment securities available for sale    
Amortized Cost 88,496us-gaap_AvailableForSaleSecuritiesAmortizedCost
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_MortgageBackedSecuritiesMember		 123,706us-gaap_AvailableForSaleSecuritiesAmortizedCost
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_MortgageBackedSecuritiesMember
Gross Unrealized Gains 1,766us-gaap_AvailableForSaleSecuritiesGrossUnrealizedGains
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_MortgageBackedSecuritiesMember		 1,040us-gaap_AvailableForSaleSecuritiesGrossUnrealizedGains
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_MortgageBackedSecuritiesMember
Gross Unrealized Losses 52us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLoss
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_MortgageBackedSecuritiesMember		 769us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLoss
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_MortgageBackedSecuritiesMember
Estimated Fair Value 90,210us-gaap_AvailableForSaleSecurities
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_MortgageBackedSecuritiesMember		 123,977us-gaap_AvailableForSaleSecurities
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_MortgageBackedSecuritiesMember
U.S. Government sponsored enterprises    
Investment securities available for sale    
Amortized Cost 33,766us-gaap_AvailableForSaleSecuritiesAmortizedCost
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember		 22,115us-gaap_AvailableForSaleSecuritiesAmortizedCost
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember
Gross Unrealized Gains 418us-gaap_AvailableForSaleSecuritiesGrossUnrealizedGains
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember		 97us-gaap_AvailableForSaleSecuritiesGrossUnrealizedGains
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember
Gross Unrealized Losses 136us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLoss
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember		 69us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLoss
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember
Estimated Fair Value 34,048us-gaap_AvailableForSaleSecurities
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember		 22,143us-gaap_AvailableForSaleSecurities
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember
State and political subdivisions    
Investment securities available for sale    
Amortized Cost 145,938us-gaap_AvailableForSaleSecuritiesAmortizedCost
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember		 148,468us-gaap_AvailableForSaleSecuritiesAmortizedCost
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember
Gross Unrealized Gains 6,534us-gaap_AvailableForSaleSecuritiesGrossUnrealizedGains
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember		 1,987us-gaap_AvailableForSaleSecuritiesGrossUnrealizedGains
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember
Gross Unrealized Losses 226us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLoss
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember		 5,087us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLoss
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember
Estimated Fair Value 152,246us-gaap_AvailableForSaleSecurities
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember		 145,368us-gaap_AvailableForSaleSecurities
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember
Corporate bonds    
Investment securities available for sale    
Amortized Cost 2,469us-gaap_AvailableForSaleSecuritiesAmortizedCost
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateBondSecuritiesMember		 3,522us-gaap_AvailableForSaleSecuritiesAmortizedCost
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateBondSecuritiesMember
Gross Unrealized Gains 16us-gaap_AvailableForSaleSecuritiesGrossUnrealizedGains
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateBondSecuritiesMember		 11us-gaap_AvailableForSaleSecuritiesGrossUnrealizedGains
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateBondSecuritiesMember
Gross Unrealized Losses 18us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLoss
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateBondSecuritiesMember		 70us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLoss
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateBondSecuritiesMember
Estimated Fair Value 2,467us-gaap_AvailableForSaleSecurities
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateBondSecuritiesMember		 3,463us-gaap_AvailableForSaleSecurities
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateBondSecuritiesMember
Trust preferred securities    
Investment securities available for sale    
Amortized Cost 750us-gaap_AvailableForSaleSecuritiesAmortizedCost
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember		 1,250us-gaap_AvailableForSaleSecuritiesAmortizedCost
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember
Gross Unrealized Gains 0us-gaap_AvailableForSaleSecuritiesGrossUnrealizedGains
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember		 0us-gaap_AvailableForSaleSecuritiesGrossUnrealizedGains
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember
Gross Unrealized Losses 0us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLoss
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember		 0us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLoss
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember
Estimated Fair Value 750us-gaap_AvailableForSaleSecurities
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember		 1,250us-gaap_AvailableForSaleSecurities
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember
Equity securities    
Investment securities available for sale    
Amortized Cost 748us-gaap_AvailableForSaleSecuritiesAmortizedCost
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_EquitySecuritiesMember		 748us-gaap_AvailableForSaleSecuritiesAmortizedCost
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_EquitySecuritiesMember
Gross Unrealized Gains 630us-gaap_AvailableForSaleSecuritiesGrossUnrealizedGains
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_EquitySecuritiesMember		 941us-gaap_AvailableForSaleSecuritiesGrossUnrealizedGains
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_EquitySecuritiesMember
Gross Unrealized Losses 0us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLoss
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_EquitySecuritiesMember		 0us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLoss
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_EquitySecuritiesMember
Estimated Fair Value 1,378us-gaap_AvailableForSaleSecurities
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_EquitySecuritiesMember		 1,689us-gaap_AvailableForSaleSecurities
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_EquitySecuritiesMember
Total    
Investment securities available for sale    
Amortized Cost 272,167us-gaap_AvailableForSaleSecuritiesAmortizedCost
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_AvailableforsaleSecuritiesMember		 299,809us-gaap_AvailableForSaleSecuritiesAmortizedCost
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_AvailableforsaleSecuritiesMember
Gross Unrealized Gains 9,364us-gaap_AvailableForSaleSecuritiesGrossUnrealizedGains
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_AvailableforsaleSecuritiesMember		 4,076us-gaap_AvailableForSaleSecuritiesGrossUnrealizedGains
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_AvailableforsaleSecuritiesMember
Gross Unrealized Losses 432us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLoss
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_AvailableforsaleSecuritiesMember		 5,995us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLoss
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_AvailableforsaleSecuritiesMember
Estimated Fair Value $ 281,099us-gaap_AvailableForSaleSecurities
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_AvailableforsaleSecuritiesMember		 $ 297,890us-gaap_AvailableForSaleSecurities
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_AvailableforsaleSecuritiesMember
XML 36 R75.htm IDEA: XBRL DOCUMENT v2.4.1.9
12. Regulatory Matters (Details) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2014
Dec. 31, 2013
Total capital (to Risk-Weighted Assets) | Consolidated    
Actual, amount $ 122,732us-gaap_Capital
/ us-gaap_RegulatoryAssetAxis
= PEBK_TotalCapitalMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_ConsolidatedAmountMember		 $ 114,185us-gaap_Capital
/ us-gaap_RegulatoryAssetAxis
= PEBK_TotalCapitalMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_ConsolidatedAmountMember
Actual, ratio 16.62%us-gaap_CapitalToRiskWeightedAssets
/ us-gaap_RegulatoryAssetAxis
= PEBK_TotalCapitalMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_ConsolidatedAmountMember		 16.14%us-gaap_CapitalToRiskWeightedAssets
/ us-gaap_RegulatoryAssetAxis
= PEBK_TotalCapitalMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_ConsolidatedAmountMember
For Capital Adequacy Purposes, amount 59,085us-gaap_CapitalRequiredForCapitalAdequacy
/ us-gaap_RegulatoryAssetAxis
= PEBK_TotalCapitalMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_ConsolidatedAmountMember		 56,582us-gaap_CapitalRequiredForCapitalAdequacy
/ us-gaap_RegulatoryAssetAxis
= PEBK_TotalCapitalMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_ConsolidatedAmountMember
For Capital Adequacy Purposes, ratio 8.00%us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets
/ us-gaap_RegulatoryAssetAxis
= PEBK_TotalCapitalMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_ConsolidatedAmountMember		 8.00%us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets
/ us-gaap_RegulatoryAssetAxis
= PEBK_TotalCapitalMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_ConsolidatedAmountMember
To Be Well Capitalized Under Prompt Corrective Action Provisions, amount 0us-gaap_CapitalRequiredToBeWellCapitalized
/ us-gaap_RegulatoryAssetAxis
= PEBK_TotalCapitalMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_ConsolidatedAmountMember		 0us-gaap_CapitalRequiredToBeWellCapitalized
/ us-gaap_RegulatoryAssetAxis
= PEBK_TotalCapitalMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_ConsolidatedAmountMember
To Be Well Capitalized Under Prompt Corrective Action Provisions, ratio 0.00%us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets
/ us-gaap_RegulatoryAssetAxis
= PEBK_TotalCapitalMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_ConsolidatedAmountMember		 0.00%us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets
/ us-gaap_RegulatoryAssetAxis
= PEBK_TotalCapitalMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_ConsolidatedAmountMember
Total capital (to Risk-Weighted Assets) | Bank    
Actual, amount 118,356us-gaap_Capital
/ us-gaap_RegulatoryAssetAxis
= PEBK_TotalCapitalMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_BankAmountMember		 110,935us-gaap_Capital
/ us-gaap_RegulatoryAssetAxis
= PEBK_TotalCapitalMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_BankAmountMember
Actual, ratio 16.06%us-gaap_CapitalToRiskWeightedAssets
/ us-gaap_RegulatoryAssetAxis
= PEBK_TotalCapitalMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_BankAmountMember		 15.73%us-gaap_CapitalToRiskWeightedAssets
/ us-gaap_RegulatoryAssetAxis
= PEBK_TotalCapitalMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_BankAmountMember
For Capital Adequacy Purposes, amount 58,974us-gaap_CapitalRequiredForCapitalAdequacy
/ us-gaap_RegulatoryAssetAxis
= PEBK_TotalCapitalMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_BankAmountMember		 56,412us-gaap_CapitalRequiredForCapitalAdequacy
/ us-gaap_RegulatoryAssetAxis
= PEBK_TotalCapitalMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_BankAmountMember
For Capital Adequacy Purposes, ratio 8.00%us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets
/ us-gaap_RegulatoryAssetAxis
= PEBK_TotalCapitalMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_BankAmountMember		 8.00%us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets
/ us-gaap_RegulatoryAssetAxis
= PEBK_TotalCapitalMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_BankAmountMember
To Be Well Capitalized Under Prompt Corrective Action Provisions, amount 73,717us-gaap_CapitalRequiredToBeWellCapitalized
/ us-gaap_RegulatoryAssetAxis
= PEBK_TotalCapitalMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_BankAmountMember		 70,515us-gaap_CapitalRequiredToBeWellCapitalized
/ us-gaap_RegulatoryAssetAxis
= PEBK_TotalCapitalMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_BankAmountMember
To Be Well Capitalized Under Prompt Corrective Action Provisions, ratio 10.00%us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets
/ us-gaap_RegulatoryAssetAxis
= PEBK_TotalCapitalMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_BankAmountMember		 10.00%us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets
/ us-gaap_RegulatoryAssetAxis
= PEBK_TotalCapitalMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_BankAmountMember
Tier 1 Capital (to Risk- Weighted Assets) | Consolidated    
Actual, amount 113,211us-gaap_Capital
/ us-gaap_RegulatoryAssetAxis
= PEBK_CapitalRiskWeighedAssetsMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_ConsolidatedAmountMember		 104,890us-gaap_Capital
/ us-gaap_RegulatoryAssetAxis
= PEBK_CapitalRiskWeighedAssetsMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_ConsolidatedAmountMember
Actual, ratio 15.33%us-gaap_CapitalToRiskWeightedAssets
/ us-gaap_RegulatoryAssetAxis
= PEBK_CapitalRiskWeighedAssetsMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_ConsolidatedAmountMember		 14.83%us-gaap_CapitalToRiskWeightedAssets
/ us-gaap_RegulatoryAssetAxis
= PEBK_CapitalRiskWeighedAssetsMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_ConsolidatedAmountMember
For Capital Adequacy Purposes, amount 29,542us-gaap_CapitalRequiredForCapitalAdequacy
/ us-gaap_RegulatoryAssetAxis
= PEBK_CapitalRiskWeighedAssetsMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_ConsolidatedAmountMember		 28,291us-gaap_CapitalRequiredForCapitalAdequacy
/ us-gaap_RegulatoryAssetAxis
= PEBK_CapitalRiskWeighedAssetsMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_ConsolidatedAmountMember
For Capital Adequacy Purposes, ratio 4.00%us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets
/ us-gaap_RegulatoryAssetAxis
= PEBK_CapitalRiskWeighedAssetsMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_ConsolidatedAmountMember		 4.00%us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets
/ us-gaap_RegulatoryAssetAxis
= PEBK_CapitalRiskWeighedAssetsMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_ConsolidatedAmountMember
To Be Well Capitalized Under Prompt Corrective Action Provisions, amount 0us-gaap_CapitalRequiredToBeWellCapitalized
/ us-gaap_RegulatoryAssetAxis
= PEBK_CapitalRiskWeighedAssetsMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_ConsolidatedAmountMember		 0us-gaap_CapitalRequiredToBeWellCapitalized
/ us-gaap_RegulatoryAssetAxis
= PEBK_CapitalRiskWeighedAssetsMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_ConsolidatedAmountMember
To Be Well Capitalized Under Prompt Corrective Action Provisions, ratio 0.00%us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets
/ us-gaap_RegulatoryAssetAxis
= PEBK_CapitalRiskWeighedAssetsMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_ConsolidatedAmountMember		 0.00%us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets
/ us-gaap_RegulatoryAssetAxis
= PEBK_CapitalRiskWeighedAssetsMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_ConsolidatedAmountMember
Tier 1 Capital (to Risk- Weighted Assets) | Bank    
Actual, amount 108,934us-gaap_Capital
/ us-gaap_RegulatoryAssetAxis
= PEBK_CapitalRiskWeighedAssetsMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_BankAmountMember		 101,733us-gaap_Capital
/ us-gaap_RegulatoryAssetAxis
= PEBK_CapitalRiskWeighedAssetsMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_BankAmountMember
Actual, ratio 14.78%us-gaap_CapitalToRiskWeightedAssets
/ us-gaap_RegulatoryAssetAxis
= PEBK_CapitalRiskWeighedAssetsMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_BankAmountMember		 14.43%us-gaap_CapitalToRiskWeightedAssets
/ us-gaap_RegulatoryAssetAxis
= PEBK_CapitalRiskWeighedAssetsMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_BankAmountMember
For Capital Adequacy Purposes, amount 29,487us-gaap_CapitalRequiredForCapitalAdequacy
/ us-gaap_RegulatoryAssetAxis
= PEBK_CapitalRiskWeighedAssetsMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_BankAmountMember		 28,206us-gaap_CapitalRequiredForCapitalAdequacy
/ us-gaap_RegulatoryAssetAxis
= PEBK_CapitalRiskWeighedAssetsMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_BankAmountMember
For Capital Adequacy Purposes, ratio 4.00%us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets
/ us-gaap_RegulatoryAssetAxis
= PEBK_CapitalRiskWeighedAssetsMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_BankAmountMember		 4.00%us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets
/ us-gaap_RegulatoryAssetAxis
= PEBK_CapitalRiskWeighedAssetsMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_BankAmountMember
To Be Well Capitalized Under Prompt Corrective Action Provisions, amount 44,230us-gaap_CapitalRequiredToBeWellCapitalized
/ us-gaap_RegulatoryAssetAxis
= PEBK_CapitalRiskWeighedAssetsMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_BankAmountMember		 42,309us-gaap_CapitalRequiredToBeWellCapitalized
/ us-gaap_RegulatoryAssetAxis
= PEBK_CapitalRiskWeighedAssetsMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_BankAmountMember
To Be Well Capitalized Under Prompt Corrective Action Provisions, ratio 6.00%us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets
/ us-gaap_RegulatoryAssetAxis
= PEBK_CapitalRiskWeighedAssetsMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_BankAmountMember		 6.00%us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets
/ us-gaap_RegulatoryAssetAxis
= PEBK_CapitalRiskWeighedAssetsMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_BankAmountMember
Tier 1 Capital (Average Assets) | Consolidated    
Actual, amount 113,211us-gaap_Capital
/ us-gaap_RegulatoryAssetAxis
= PEBK_CapitalAverageAssetsMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_ConsolidatedAmountMember		 104,890us-gaap_Capital
/ us-gaap_RegulatoryAssetAxis
= PEBK_CapitalAverageAssetsMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_ConsolidatedAmountMember
Actual, ratio 10.74%us-gaap_CapitalToRiskWeightedAssets
/ us-gaap_RegulatoryAssetAxis
= PEBK_CapitalAverageAssetsMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_ConsolidatedAmountMember		 10.08%us-gaap_CapitalToRiskWeightedAssets
/ us-gaap_RegulatoryAssetAxis
= PEBK_CapitalAverageAssetsMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_ConsolidatedAmountMember
For Capital Adequacy Purposes, amount 42,181us-gaap_CapitalRequiredForCapitalAdequacy
/ us-gaap_RegulatoryAssetAxis
= PEBK_CapitalAverageAssetsMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_ConsolidatedAmountMember		 41,622us-gaap_CapitalRequiredForCapitalAdequacy
/ us-gaap_RegulatoryAssetAxis
= PEBK_CapitalAverageAssetsMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_ConsolidatedAmountMember
For Capital Adequacy Purposes, ratio 4.00%us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets
/ us-gaap_RegulatoryAssetAxis
= PEBK_CapitalAverageAssetsMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_ConsolidatedAmountMember		 4.00%us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets
/ us-gaap_RegulatoryAssetAxis
= PEBK_CapitalAverageAssetsMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_ConsolidatedAmountMember
To Be Well Capitalized Under Prompt Corrective Action Provisions, amount 0us-gaap_CapitalRequiredToBeWellCapitalized
/ us-gaap_RegulatoryAssetAxis
= PEBK_CapitalAverageAssetsMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_ConsolidatedAmountMember		 0us-gaap_CapitalRequiredToBeWellCapitalized
/ us-gaap_RegulatoryAssetAxis
= PEBK_CapitalAverageAssetsMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_ConsolidatedAmountMember
To Be Well Capitalized Under Prompt Corrective Action Provisions, ratio 0.00%us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets
/ us-gaap_RegulatoryAssetAxis
= PEBK_CapitalAverageAssetsMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_ConsolidatedAmountMember		 0.00%us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets
/ us-gaap_RegulatoryAssetAxis
= PEBK_CapitalAverageAssetsMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_ConsolidatedAmountMember
Tier 1 Capital (Average Assets) | Bank    
Actual, amount 108,934us-gaap_Capital
/ us-gaap_RegulatoryAssetAxis
= PEBK_CapitalAverageAssetsMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_BankAmountMember		 101,733us-gaap_Capital
/ us-gaap_RegulatoryAssetAxis
= PEBK_CapitalAverageAssetsMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_BankAmountMember
Actual, ratio 10.33%us-gaap_CapitalToRiskWeightedAssets
/ us-gaap_RegulatoryAssetAxis
= PEBK_CapitalAverageAssetsMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_BankAmountMember		 9.79%us-gaap_CapitalToRiskWeightedAssets
/ us-gaap_RegulatoryAssetAxis
= PEBK_CapitalAverageAssetsMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_BankAmountMember
For Capital Adequacy Purposes, amount 42,164us-gaap_CapitalRequiredForCapitalAdequacy
/ us-gaap_RegulatoryAssetAxis
= PEBK_CapitalAverageAssetsMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_BankAmountMember		 41,584us-gaap_CapitalRequiredForCapitalAdequacy
/ us-gaap_RegulatoryAssetAxis
= PEBK_CapitalAverageAssetsMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_BankAmountMember
For Capital Adequacy Purposes, ratio 4.00%us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets
/ us-gaap_RegulatoryAssetAxis
= PEBK_CapitalAverageAssetsMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_BankAmountMember		 4.00%us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets
/ us-gaap_RegulatoryAssetAxis
= PEBK_CapitalAverageAssetsMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_BankAmountMember
To Be Well Capitalized Under Prompt Corrective Action Provisions, amount $ 52,706us-gaap_CapitalRequiredToBeWellCapitalized
/ us-gaap_RegulatoryAssetAxis
= PEBK_CapitalAverageAssetsMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_BankAmountMember		 $ 51,981us-gaap_CapitalRequiredToBeWellCapitalized
/ us-gaap_RegulatoryAssetAxis
= PEBK_CapitalAverageAssetsMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_BankAmountMember
To Be Well Capitalized Under Prompt Corrective Action Provisions, ratio 5.00%us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets
/ us-gaap_RegulatoryAssetAxis
= PEBK_CapitalAverageAssetsMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_BankAmountMember		 5.00%us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets
/ us-gaap_RegulatoryAssetAxis
= PEBK_CapitalAverageAssetsMember
/ us-gaap_StatementBusinessSegmentsAxis
= PEBK_BankAmountMember
XML 37 R37.htm IDEA: XBRL DOCUMENT v2.4.1.9
15. Fair Value of Financial Instruments (Tables)
 12 Months Ended
Dec. 31, 2014
Fair Value Disclosures [Abstract]  
Carrying amount and estimated fair value of the Company's financial instruments

The carrying amount and estimated fair value of the Company’s financial instruments at December 31, 2014 and 2013 are as follows:

 

 

(Dollars in thousands)                  
      Fair Value Measurements at December 31, 2014
 

Carrying

Amount

   Level 1   Level 2   Level 3   Total
Assets:                  
Cash and cash equivalents $ 69,098   69,098   -   -   69,098
Investment securities available for sale $ 281,099   1,378   278,971   750   281,099
Other investments $ 4,031   -   -   4,031   4,031
Mortgage loans held for sale $ 1,375   -   -   1,375   1,375
Loans, net $ 640,809   -   -   644,708   644,708
Cash surrender value of life insurance $ 14,125   -   14,125   -   14,125
                     
Liabilities:                    
Deposits $ 814,700   -   -   813,288   813,288
Securities sold under agreements                    
to repurchase $ 48,430   -   48,430   -   48,430
FHLB borrowings $ 50,000   -   49,598   -   49,598
Junior subordinated debentures $ 20,619   -   20,619   -   20,619
                     
                     
(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

 

 
XML 38 R52.htm IDEA: XBRL DOCUMENT v2.4.1.9
3. Loans Impaired, Fair Value Measurements (Details) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2014
Dec. 31, 2013
Impaired loans $ 34,633PEBK_ImpairedLoans $ 39,780PEBK_ImpairedLoans
Other real estate 2,016us-gaap_OtherRealEstate 1,679us-gaap_OtherRealEstate
Level 1    
Impaired loans 0PEBK_ImpairedLoans
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_LevelOneValuationMember		 0PEBK_ImpairedLoans
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_LevelOneValuationMember
Other real estate 0us-gaap_OtherRealEstate
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_LevelOneValuationMember		 0us-gaap_OtherRealEstate
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_LevelOneValuationMember
Level 2    
Impaired loans 0PEBK_ImpairedLoans
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_LevelTwoValuationMember		 0PEBK_ImpairedLoans
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_LevelTwoValuationMember
Other real estate 0us-gaap_OtherRealEstate
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_LevelTwoValuationMember		 0us-gaap_OtherRealEstate
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_LevelTwoValuationMember
Level 3    
Impaired loans 34,633PEBK_ImpairedLoans
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_LevelThreeValuationMember		 39,780PEBK_ImpairedLoans
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_LevelThreeValuationMember
Other real estate 2,016us-gaap_OtherRealEstate
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_LevelThreeValuationMember		 1,679us-gaap_OtherRealEstate
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_LevelThreeValuationMember
Total gains (losses) for the year ended    
Impaired loans (1,444)PEBK_ImpairedLoans
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_TotalGainsLossesMember		 (3,207)PEBK_ImpairedLoans
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_TotalGainsLossesMember
Other real estate $ (622)us-gaap_OtherRealEstate
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_TotalGainsLossesMember		 $ (581)us-gaap_OtherRealEstate
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_TotalGainsLossesMember
XML 39 R67.htm IDEA: XBRL DOCUMENT v2.4.1.9
10. Commitments and Contingencies (Details) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2014
Commitments And Contingencies Details  
2015 $ 600us-gaap_OperatingLeasesFutureMinimumPaymentsNextRollingTwelveMonths
2016 603us-gaap_OperatingLeasesFutureMinimumPaymentsDueInRollingYearTwo
2017 537us-gaap_OperatingLeasesFutureMinimumPaymentsDueInRollingYearThree
2018 501us-gaap_OperatingLeasesFutureMinimumPaymentsDueInRollingYearFour
2019 490us-gaap_OperatingLeasesFutureMinimumPaymentsDueInRollingYearFive
Thereafter 1,854us-gaap_OperatingLeasesFutureMinimumPaymentsDueInRollingAfterYearFive
Total minimum obligation $ 4,585us-gaap_OperatingLeasesFutureMinimumPaymentsDue
XML 40 R61.htm IDEA: XBRL DOCUMENT v2.4.1.9
6. Federal Home Loan Bank and Federal Reserve Bank Borrowings (Details Narrative) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2014
Dec. 31, 2013
Federal Home Loan Bank And Federal Reserve Bank Borrowings Details Narrative    
Loans pledged as collateral to the FHLB $ 126,000us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresCollateralPledged1  
FLHB stock owned 3,200us-gaap_FederalHomeLoanBankStock 4,100us-gaap_FederalHomeLoanBankStock
Carrying value of loans pledged as collateral to the FRB $ 340,500PEBK_CarryingValueOfLoansPledgedAsCollateralToFrb  
XML 41 R47.htm IDEA: XBRL DOCUMENT v2.4.1.9
2. Investment Securities (Details Narrative) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Investment Securities Details Narrative      
Unrealized losses in the investment securites portfolio relating to debt securities $ 432PEBK_UnrealizedLossesInInvestmentSecuritesPortfolioRelatingToDebtSecurities    
Proceeds from sales of investment securities available for sale 20,202us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities 17,463us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities 47,076us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities
Gains on sales of available for sale securities 291us-gaap_AvailableForSaleSecuritiesGrossRealizedGains 738us-gaap_AvailableForSaleSecuritiesGrossRealizedGains 1,300us-gaap_AvailableForSaleSecuritiesGrossRealizedGains
Loss on sales of available for sale securities 25us-gaap_AvailableForSaleSecuritiesGrossRealizedLosses 124us-gaap_AvailableForSaleSecuritiesGrossRealizedLosses 103us-gaap_AvailableForSaleSecuritiesGrossRealizedLosses
Securities pledged to secure public deposits $ 89,900us-gaap_DepositLiabilitiesCollateralIssuedFinancialInstruments $ 86,000us-gaap_DepositLiabilitiesCollateralIssuedFinancialInstruments  
XML 42 R9.htm IDEA: XBRL DOCUMENT v2.4.1.9
2. Investment Securities
 12 Months Ended
Dec. 31, 2014
Investments, Debt and Equity Securities [Abstract]  
Investment Securities

Investment securities available for sale at December 31, 2014 and 2013 are as follows:

 

(Dollars in thousands)              
  December 31, 2014
 

Amortized

Cost

  

Gross

Unrealized

Gains

  

Gross

Unrealized

Losses

  

Estimated

Fair Value

Mortgage-backed securities $ 88,496   1,766   52   90,210
U.S. Government                
sponsored enterprises   33,766   418   136   34,048
State and political subdivisions   145,938   6,534   226   152,246
Corporate bonds   2,469   16   18   2,467
Trust preferred securities   750   -     -     750
Equity securities   748   630   -     1,378
Total $ 272,167   9,364   432   281,099
                 
(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

 

The current fair value and associated unrealized losses on investments in debt securities with unrealized losses at December 31, 2014 and 2013 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, 2014
  Less than 12 Months   12 Months or More   Total
  Fair Value  

Unrealized

Losses

   Fair Value  

Unrealized

Losses

   Fair Value  

Unrealized

Losses

Mortgage-backed securities $ 436   1   2,963   51   3,399   52
U.S. Government                        
sponsored enterprises   2,996   4   9,850   132   12,846   136
State and political subdivisions   567   1   14,998   225   15,565   226
Corporate bonds   -     -     525   18   525   18
Total $ 3,999   6   28,336   426   32,335   432
                         
(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

 

At December 31, 2014, unrealized losses in the investment securities portfolio relating to debt securities totaled $432,000.  The unrealized losses on these debt securities arose due to changing interest rates and are considered to be temporary.  From the December 31, 2014 tables above, 20 out of 176 securities issued by state and political subdivisions contained unrealized losses, eight out of 80 securities issued by U.S. Government sponsored enterprises, including mortgage-backed securities, contained unrealized losses, and one out of four 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 2014, 2013 or 2012.
 

The amortized cost and estimated fair value of investment securities available for sale at December 31, 2014, 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, 2014      
(Dollars in thousands)      
   Amortized
Cost		  Estimated
Fair Value
Due within one year  $4,308    4,323 
Due from one to five years   40,564    42,548 
Due from five to ten years   117,452    121,399 
Due after ten years   20,599    21,241 
Mortgage-backed securities   88,496    90,210 
Equity securities   748    1,378 
Total  $272,167    281,099 

 

Proceeds from sales of securities available for sale during 2014 were $20.2 million and resulted in gross gains of $291,000 and gross losses of $25,000.  During 2013, proceeds from sales of securities available for sale 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.

 

Securities with a fair value of approximately $89.9 million and $86.0 million at December 31, 2014 and 2013, 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, 2014 and 2013.

 

(Dollars in thousands)              
  December 31, 2014
 

Fair Value

Measurements

  

Level 1

Valuation

  

Level 2

Valuation

  

Level 3

Valuation

Mortgage-backed securities $ 90,210   -   90,210   -
U.S. Government                
sponsored enterprises $ 34,048   -   34,048   -
State and political subdivisions $ 152,246   -   152,246   -
Corporate bonds $ 2,467   -   2,467   -
Trust preferred securities $ 750   -   -   750
Equity securities $ 1,378   1,378   -   -
                 
                 
(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   -   -

 

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, 2014.

  

 

(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 and calls)   (500 )
Transfers in and/or (out) of Level 3   -  
Balance, end of period $ 750  
       
Change in unrealized gain/(loss) for assets still held in Level 3 $ -  

 

 
XML 43 R62.htm IDEA: XBRL DOCUMENT v2.4.1.9
8. Income Taxes (Details) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Income Taxes Details      
Current $ 1,759us-gaap_CurrentIncomeTaxExpenseBenefit $ 1,345us-gaap_CurrentIncomeTaxExpenseBenefit $ 1,800us-gaap_CurrentIncomeTaxExpenseBenefit
Deferred 178us-gaap_DeferredIncomeTaxExpenseBenefit 534us-gaap_DeferredIncomeTaxExpenseBenefit (213)us-gaap_DeferredIncomeTaxExpenseBenefit
Total $ 1,937us-gaap_IncomeTaxExpenseBenefit $ 1,879us-gaap_IncomeTaxExpenseBenefit $ 1,587us-gaap_IncomeTaxExpenseBenefit
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M,3,R,5\T8C9F7V(P,65?-#,U,#`U93,T83!A+U=O'0O:'1M;#L@8VAA7!E(&-O;G1E;G0],T0G=&5X="]H=&UL.R!C:&%R M2!0=7)P;W-EF5D(%5N9&5R(%!R M;VUP="!#;W)R96-T:79E($%C=&EO;B!0F5D(%5N9&5R(%!R;VUP="!#;W)R96-T:79E($%C=&EO M;B!0F5D(%5N9&5R(%!R;VUP M="!#;W)R96-T:79E($%C=&EO;B!02!0=7)P;W-E2!0=7)P;W-EF5D(%5N9&5R(%!R;VUP="!#;W)R96-T M:79E($%C=&EO;B!03X-"CPO:'1M;#X-"@T*+2TM+2TM/5]. M97AT4&%R=%]E8F0X.38U85\Q,S(Q7S1B-F9?8C`Q95\T,S4P,#5E,S1A,&$- M"D-O;G1E;G0M3&]C871I;VXZ(&9I;&4Z+R\O0SHO96)D.#DV-6%?,3,R,5\T M8C9F7V(P,65?-#,U,#`U93,T83!A+U=O'0O:'1M;#L@8VAA7!E(&-O;G1E;G0],T0G=&5X="]H=&UL.R!C:&%R'!E;G-E($1E M=&%I;',\+W-T'!E;G-E/"]T9#X- M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XS,3<\"!#F%T:6]N/"]T9#X-"B`@("`@("`@ M/'1D(&-L87-S/3-$;G5M<#XD(#@W,#QS<&%N/CPO3X-"CPO M:'1M;#X-"@T*+2TM+2TM/5].97AT4&%R=%]E8F0X.38U85\Q,S(Q7S1B-F9? M8C`Q95\T,S4P,#5E,S1A,&$-"D-O;G1E;G0M3&]C871I;VXZ(&9I;&4Z+R\O M0SHO96)D.#DV-6%?,3,R,5\T8C9F7V(P,65?-#,U,#`U93,T83!A+U=O'0O:'1M;#L@ M8VAA'0^/'-P86X^/"]S M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S'0^/'-P86X^/"]S M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$'0^/'-P M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S'0^/'-P M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S M/3-$'0^/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@ M("`@(#QT9"!C;&%S'0^/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@ M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$'0^/'-P86X^ M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S'0^/'-P86X^ M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$ M'0^/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@ M("`@(#QT9"!C;&%S'0^/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@ M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$'0^/'-P86X^/"]S<&%N/CPO M=&0^#0H@("`@("`@(#QT9"!C;&%S'0^/'-P86X^/"]S<&%N/CPO M=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$'0^/'-P M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S'0^/'-P M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S M/3-$3X-"CPO:'1M;#X-"@T*+2TM+2TM/5].97AT4&%R=%]E8F0X.38U M85\Q,S(Q7S1B-F9?8C`Q95\T,S4P,#5E,S1A,&$-"D-O;G1E;G0M3&]C871I M;VXZ(&9I;&4Z+R\O0SHO96)D.#DV-6%?,3,R,5\T8C9F7V(P,65?-#,U,#`U M93,T83!A+U=O'0O:'1M;#L@8VAA2D@ M0V]N9&5N'0^/'-P M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S M/3-$'0^/'-P M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S M/3-$'0^/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C M;&%S'0^/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C M;&%S'0^/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T* M("`@("`@/'1R(&-L87-S/3-$2!I;B!U;F1I"!B M96YE9FET/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ+#DS-SQS M<&%N/CPO2D@;W!E3PO=&0^#0H@("`@("`@(#QT9"!C;&%S'0^ M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S'0^ M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S'0^ M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L M87-S/3-$'0^/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C M;&%S'0^/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C M;&%S'0^/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T* M("`@("`@/'1R(&-L87-S/3-$'0^/'-P86X^/"]S<&%N/CPO=&0^#0H@ M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$'0^/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@ M("`@/'1R(&-L87-S/3-$'0^/'-P86X^/"]S<&%N/CPO=&0^#0H@ M("`@("`@(#QT9"!C;&%S'0^/'-P86X^/"]S<&%N/CPO=&0^#0H@ M("`@("`@(#QT9"!C;&%S'0^/'-P86X^/"]S<&%N/CPO=&0^#0H@ M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$'!E;G-E M'!E;G-E2!I;B!U;F1I2!O<&5R871I;F<@86-T:79I=&EE M'0^/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@ M("`@(#QT9"!C;&%S'0^/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@ M("`@(#QT9"!C;&%S'0^/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@ M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$2!I;G9E2!F:6YA;F-I;F<@86-T:79I=&EEF5D(&=A:6X@;VX@:6YV97-T M;65N="!S96-U3X-"CPO:'1M;#X-"@T*+2TM+2TM/5].97AT4&%R=%]E8F0X.38U85\Q,S(Q M7S1B-F9?8C`Q95\T,S4P,#5E,S1A,&$-"D-O;G1E;G0M3&]C871I;VXZ(&9I M;&4Z+R\O0SHO96)D.#DV-6%?,3,R,5\T8C9F7V(P,65?-#,U,#`U93,T83!A M+U=O&UL#0I#;VYT96YT+51R86YS9F5R+45N M8V]D:6YG.B!Q=6]T960M<')I;G1A8FQE#0I#;VYT96YT+51Y<&4Z('1E>'0O M:'1M;#L@8VAA&UL;G,Z;STS1")U M'1087)T7V5B9#@Y-C5A7S$S,C%?-&(V9E]B,#%E7S0S-3`P +-64S-&$P82TM#0H` ` end XML 45 R43.htm IDEA: XBRL DOCUMENT v2.4.1.9
2. Investment securities, Continuous Unrealized Loss Position (Details) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Investment securities with continuous unrealized loss position    
Less than 12 Months, Fair Value $ 3,999us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue $ 129,742us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue
Less than 12 Months, Unrealized Losses 6us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses 5,639us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses
12 Months or More, Fair Value 28,336us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue 12,463us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue
12 Months or More, Unrealized Losses 426us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses 356us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses
Total, Fair Value 32,335us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue 142,205us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue
Total, Unrealized Losses 432us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses 5,995us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses
Mortgage-backed securities    
Investment securities with continuous unrealized loss position    
Less than 12 Months, Fair Value 436us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_MortgageBackedSecuritiesMember		 40,857us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_MortgageBackedSecuritiesMember
Less than 12 Months, Unrealized Losses 1us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_MortgageBackedSecuritiesMember		 691us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_MortgageBackedSecuritiesMember
12 Months or More, Fair Value 2,963us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_MortgageBackedSecuritiesMember		 10,128us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_MortgageBackedSecuritiesMember
12 Months or More, Unrealized Losses 51us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_MortgageBackedSecuritiesMember		 78us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_MortgageBackedSecuritiesMember
Total, Fair Value 3,399us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_MortgageBackedSecuritiesMember		 50,985us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_MortgageBackedSecuritiesMember
Total, Unrealized Losses 52us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_MortgageBackedSecuritiesMember		 769us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_MortgageBackedSecuritiesMember
U.S. Government sponsored enterprises    
Investment securities with continuous unrealized loss position    
Less than 12 Months, Fair Value 2,996us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember		 9,714us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember
Less than 12 Months, Unrealized Losses 4us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember		 69us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember
12 Months or More, Fair Value 9,850us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember		 0us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember
12 Months or More, Unrealized Losses 132us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember		 0us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember
Total, Fair Value 12,846us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember		 9,714us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember
Total, Unrealized Losses 136us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember		 69us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember
State and political subdivisions    
Investment securities with continuous unrealized loss position    
Less than 12 Months, Fair Value 567us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember		 77,187us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember
Less than 12 Months, Unrealized Losses 1us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember		 4,863us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember
12 Months or More, Fair Value 14,998us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember		 1,824us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember
12 Months or More, Unrealized Losses 225us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember		 224us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember
Total, Fair Value 15,565us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember		 79,011us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember
Total, Unrealized Losses 226us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember		 5,087us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember
Corporate bonds    
Investment securities with continuous unrealized loss position    
Less than 12 Months, Fair Value 0us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateBondSecuritiesMember		 1,984us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateBondSecuritiesMember
Less than 12 Months, Unrealized Losses 0us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateBondSecuritiesMember		 16us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateBondSecuritiesMember
12 Months or More, Fair Value 525us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateBondSecuritiesMember		 511us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateBondSecuritiesMember
12 Months or More, Unrealized Losses 18us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateBondSecuritiesMember		 54us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateBondSecuritiesMember
Total, Fair Value 525us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateBondSecuritiesMember		 2,495us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateBondSecuritiesMember
Total, Unrealized Losses $ 18us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateBondSecuritiesMember		 $ 70us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateBondSecuritiesMember

XML 46 R29.htm IDEA: XBRL DOCUMENT v2.4.1.9
5. Time Deposits (Tables)
 12 Months Ended
Dec. 31, 2014
Banking and Thrift [Abstract]  
Scheduled maturities of time deposits

At December 31, 2014, the scheduled maturities of time deposits are as follows:

 

(Dollars in thousands)   
    
 2015   $131,001 
 2016    37,065 
 2017    17,029 
 2018    8,336 
 2019 and thereafter    3,007 
        
 Total   $196,438 

 
XML 47 R28.htm IDEA: XBRL DOCUMENT v2.4.1.9
4. Premises and Equipment (Tables)
 12 Months Ended
Dec. 31, 2014
Property, Plant and Equipment [Abstract]  
Summary of premises and equipment

Major classifications of premises and equipment at December 31, 2014 and 2013 are summarized as follows:

 

(Dollars in thousands)      
  2014   2013
       
Land $ 3,681   3,667
Buildings and improvements   15,864   15,126
Furniture and equipment   18,442   16,239
         
Total premises and equipment   37,987   35,032
         
Less accumulated depreciation   20,987   18,674
         
Total net premises and equipment $ 17,000   16,358
XML 48 R56.htm IDEA: XBRL DOCUMENT v2.4.1.9
3. Loans (Details Narrative) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Loans Details Narrative    
Percentage of construction and land development loans in Bank's loan portfolio 9.00%PEBK_PercentageOfConstructionAndLandDevelopmentInBanksLoanPortfolio  
Percentage of single-family residential loans in Bank's loan portfolio 39.00%PEBK_PercentageOfSinglefamilyResidentialLoansInBanksLoanPortfolio  
Percentage of Single-family residential - Banco de la Gente stated income loans in Bank's loan portfolio 7.00%PEBK_PercentageOfBancoDeLaGenteSinglefamilyResidentialLoansInBanksLoanPortfolio  
Percentage of commercial real estate loans in Bank's loan portfolio 35.00%PEBK_PercentageOfCommercialRealEstateLoansInBanksLoanPortfolio  
Percentage of commercial loans in Bank's loan portfolio 12.00%PEBK_PercentageOfCommericalLoansInBanksLoanPortfolio  
Accruing impaired loans $ 25,600us-gaap_LoansAndLeasesReceivableImpairedNonperformingAccrualOfInterest $ 27,600us-gaap_LoansAndLeasesReceivableImpairedNonperformingAccrualOfInterest
Interest income recognized on accruing impaired loans 1,300us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod 1,300us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod
TDR loan amounts 15,000us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2 21,900us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2
Amount of performing TDR loans included $ 1,400PEBK_AmountOfPerformingTdrLoansIncluded $ 355PEBK_AmountOfPerformingTdrLoansIncluded
XML 49 R44.htm IDEA: XBRL DOCUMENT v2.4.1.9
2. Investment securities, Contractual Maturity (Details) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2014
Dec. 31, 2013
Amortized Cost    
Due within one year $ 4,308us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost  
Due from one to five years 40,564us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost  
Due from five to ten years 117,452us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost  
Due after ten years 20,599us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost  
Mortgage-backed securities 88,496PEBK_Available-For-SaleSecuritiesDebtMaturitiesMortgage-BackedSecuritiesAmortizedCost  
Equity securities 748PEBK_Available-For-SaleSecuritiesDebtMaturitiesEquitySecuritiesAmortizedCost  
Total 272,167us-gaap_AvailableForSaleSecuritiesAmortizedCost 299,809us-gaap_AvailableForSaleSecuritiesAmortizedCost
Estimated Fair Value    
Due within one year 4,323us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue  
Due from one to five years 42,548us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue  
Due from five to ten years 121,399us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue  
Due after ten years 21,241us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue  
Mortgage-backed securities 90,210PEBK_Available-For-SaleSecuritiesDebtMaturitiesMortgage-BackedSecuritiesFairValue  
Equity securities 1,378PEBK_Available-For-SaleSecuritiesDebtMaturitiesEquitySecuritiesFairValue  
Total $ 281,099us-gaap_AvailableForSaleSecuritiesDebtSecurities  
XML 50 R30.htm IDEA: XBRL DOCUMENT v2.4.1.9
6. Federal Home Loan Bank and Federal Reserve Bank Borrowings (Tables)
 12 Months Ended
Dec. 31, 2014
Banking and Thrift [Abstract]  
Borrowings from the FHLB outstanding

Borrowings from the FHLB outstanding at December 31, 2014 and 2013 consist of the following:

 

December 31, 2014        
(Dollars in thousands)        
         
Maturity Date Call Date Rate Rate Type Amount
October 17, 2018 N/A 3.398% Adjustable Rate Hybrid   5,000
           
October 17, 2018 N/A 3.638% Adjustable Rate Hybrid   15,000
           
October 17, 2018 N/A 3.413% Adjustable Rate Hybrid   5,000
           
October 17, 2018 N/A 3.468% Adjustable Rate Hybrid   5,000
           
May 8, 2018 N/A 1.792% Floating to Fixed   5,000
           
May 8, 2018 N/A 3.432% Floating to Fixed   15,000
           
        $ 50,000

 

 

 

December 31, 2013        
(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 51 R31.htm IDEA: XBRL DOCUMENT v2.4.1.9
8. Income Taxes (Tables)
 12 Months Ended
Dec. 31, 2014
Income Tax Disclosure [Abstract]  
Components of Income Tax Expense (Benefit)

The provision for income taxes is summarized as follows: 

 

 

(Dollars in thousands)            
  2014   2013   2012  
Current $ 1,759   1,345   1,800  
Deferred   178   534   (213 )
Total $ 1,937   1,879   1,587  

 

 

 
Schedule of Effective Income Tax Rate Reconciliation

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)            
  2014   2013   2012  
Pre-tax income at statutory rate (34%) $ 3,851   2,914   2,509  
Differences:              
Tax exempt interest income   (1,630 ) (1,481 ) (1,168 )
Nondeductible interest and other expense   119   141   52  
Cash surrender value of life insurance   (143 ) (147 ) (149 )
State taxes, net of federal benefits   (283 ) 428   324  
Other, net   23   24   19  
Total $ 1,937   1,879   1,587  

 
Schedule of Deferred Tax Assets and Liabilities
(Dollars in thousands)      
  2014   2013
Deferred tax assets:      
Allowance for loan losses $ 4,134   5,205
Accrued retirement expense   1,529   1,489
Other real estate   206   218
Federal credit carryforward   342   79
    State credit carryforward   734   -  
    Other   176   334
Unrealized loss on available for sale securities   -   747
Total gross deferred tax assets   7,121   8,072
         
Deferred tax liabilities:        
Deferred loan fees   433   581
Premises and equipment   652   530
Unrealized gain on available for sale securities   3,479   -  
Total gross deferred tax liabilities   4,564   1,111
Net deferred tax asset $ 2,557   6,961

 

 
XML 52 R8.htm IDEA: XBRL DOCUMENT v2.4.1.9
1. Summary of Significant Accounting Policies
 12 Months Ended
Dec. 31, 2014
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, Wake and Durham 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.

 

In March 2015, the Bank established a new wholly owned subsidiary, PB Real Estate Holdings, LLC, which will acquire, manage and dispose of real property, other collateral and other assets obtained in the ordinary course of collecting debts previously contracted.

 

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, 2014 and 2013, 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.

 

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 collectability 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.

 

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, and loans in process of litigation or liquidation.  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 provision for loan losses charged or credited to earnings is based upon management’s judgment of the amount necessary to maintain the allowance at a level appropriate to absorb probable incurred losses in the loan portfolio at the balance sheet date.  The amount each quarter is dependent upon many factors, including growth and changes in the composition of the loan portfolio, net charge-offs, delinquencies, management’s assessment of loan portfolio quality, the value of collateral, and other macro-economic factors and trends.  The evaluation of these factors is performed quarterly by management through an analysis of the appropriateness of 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, three, four or five 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.

 

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, 2014 as compared to the year ended December 31, 2013.   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.  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. 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.

 

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 $2.1 million, $2.4 million and $3.1 million at December 31, 2014, 2013 and 2012, 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.  

 

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.   As of December 31, 2014, there were no outstanding options under the 1999 Plan.  A summary of the stock option activity for the year ended December 31, 2014 is presented below:

 

Stock Option Activity
For the Year Ended December 31, 2014
                 
  Shares  

Weighted

Average Option

Price Per Share

  

Weighted Average

Remaining

Contractual Term (in

years)

    

Aggregate

Intrinsic

Value

(Dollars in

thousands)

Outstanding, December 31, 2013 3,630   $ 10.31          
                   
Granted during the period -     $ -          
Expired during the period -     $ -          
Forfeited during the period -     $ -          
Exercised during the period (3,630 ) $ 10.31          
                   
Outstanding, December 31, 2014 -     $ -       $                 -    
                   
Exercisable, December 31, 2014  -     $ -       $                  -    

 

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 recognized compensation expense on the restricted stock units over the period of time the restrictions were 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 in each period reflected the changes in the Company’s stock price during such period.  As of December 31, 2014, 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 282,635 shares are currently reserved for possible issuance under the 2009 Plan.   All stock-based rights under the 2009 Plan must be granted or awarded by May 7, 2019 (or ten years from the 2009 Plan effective date).

 

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, of which 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 granted 21,056 restricted stock units under the 2009 Plan at a grant date fair value of $15.70 per share during the first quarter of 2014.  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, four years from the grant date for the 2013 grants and three years from the grant date for the 2014 grants).  The amount of expense recorded each period reflects the changes in the Company’s stock price during such period.  As of December 31, 2014, the total unrecognized compensation expense related to the restricted stock unit grants under the 2009 Plan was $770,000.

 

The Company recognized compensation expense for restricted stock units granted under the 2009 Plan of $389,000, $173,000 and $42,000 for the years ended December 31, 2014, 2013 and 2012, respectively.

 

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, 2014, 2013 and 2012 are as follows:

 

For the year ended December 31, 2014:

Net Earnings

Available to

Common

Shareholders

(Dollars in

thousands)

  

Common

Shares

  

Per Share

Amount

Basic earnings per common share $ 9,388   5,615,666   $ 1.67
Effect of dilutive securities:              
Stock options   -     26,326      
Diluted earnings per common share $ 9,388   5,641,992   $ 1.66
               
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

  

Recent Accounting Pronouncements

In November 2014, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) No. 2014-16, (Topic 815):  Determining Whether the Host Contract in a Hybrid Financial Instrument Issued in the Form of a Share Is More Akin to Debt or to Equity.  ASU No. 2014-16 provides more direction for determining whether embedded features, such as a conversion option embedded in a share of preferred stock, need to be accounted for separately from their host shares.  ASU No. 2014-16 is effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2015.  The adoption of this guidance is not expected to have a material impact on the Company’s results of operations, financial position or disclosures.

 

In November 2014, FASB issued ASU No. 2014-17, (Topic 805):  Pushdown Accounting (a consensus of the FASB Emerging Issues Task Force).  ASU No. 2014-17 gives acquired entities the option to apply pushdown accounting in their separate financial statements when an acquirer obtains control of them.  ASU No. 2014-17 was effective upon issuance for current and future reporting periods and any open reporting periods for which financial statements have not yet been issued.  The adoption of this guidance is not expected to have a material impact on the Company’s results of operations, financial position or disclosures.

 

In January 2015, FASB issued ASU No. 2015-01, (Subtopic 225-20):  Simplifying Income Statement Presentation by Eliminating the Concept of Extraordinary Items.  ASU No. 2015-01 eliminates the concept of extraordinary items from GAAP.  ASU No. 2015-01 is effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2015.  The adoption of this guidance is not expected to have a material impact on the Company’s results of operations, financial position or disclosures.

 

In February 2015, FASB issued ASU No. 2015-02, (Topic 810):  Amendments to the Consolidation Analysis.  ASU No. 2015-02 provides amendments to respond to stakeholders’ concerns about the current accounting for consolidation of certain legal entities.  Stakeholders expressed concerns that GAAP might require a reporting entity to consolidate another legal entity in situations in which the reporting entity’s contractual rights do not give it the ability to act primarily on its own behalf, the reporting entity does not hold a majority of the legal entity’s voting rights, or the reporting entity is not exposed to a majority of the legal entity’s economic benefits or obligations.  ASU No. 2015-02 is effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2015.  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 2012 and 2013 consolidated financial statements have been reclassified to conform to the 2014 presentation.

 
XML 53 R32.htm IDEA: XBRL DOCUMENT v2.4.1.9
9. Related Party Transactions (Tables)
 12 Months Ended
Dec. 31, 2014
Related Party Transactions [Abstract]  
Summary of activity for related party loans
(Dollars in thousands)    
     
Beginning balance $ 4,340  
New loans   6,903  
Repayments   (6,483 )
       
Ending balance $ 4,760  

 

 
XML 54 R40.htm IDEA: XBRL DOCUMENT v2.4.1.9
1. Summary of Significant Accounting Policies (Details 1) (USD $)
In Thousands, except Share data, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Net Earnings Available to Common Shareholders      
Basic earnings $ 9,388us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic $ 6,035us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic $ 4,783us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic
Effect of dilutive securities: Stock options 0us-gaap_AmountOfDilutiveSecuritiesStockOptionsAndRestrictiveStockUnits 0us-gaap_AmountOfDilutiveSecuritiesStockOptionsAndRestrictiveStockUnits 0us-gaap_AmountOfDilutiveSecuritiesStockOptionsAndRestrictiveStockUnits
Diluted earnings $ 9,388us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted $ 6,035us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted $ 4,783us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted
Common Shares      
Basic earnings per common share (in shares) 5,615,666us-gaap_WeightedAverageNumberOfSharesOutstandingBasic 5,613,495us-gaap_WeightedAverageNumberOfSharesOutstandingBasic 5,559,401us-gaap_WeightedAverageNumberOfSharesOutstandingBasic
Effect of dilutive securities: Stock options (in shares) 26,326us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements 9,725us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements 3,206us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
Diluted earnings per common share (in shares) 5,641,992us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding 5,623,220us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding 5,562,607us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding
Per Share Amount      
Basic earnings per common share (in dollars per share) $ 1.67us-gaap_EarningsPerShareBasic $ 1.08us-gaap_EarningsPerShareBasic $ 0.86us-gaap_EarningsPerShareBasic
Diluted earnings per common share (in dollars per share) $ 1.66us-gaap_EarningsPerShareDiluted $ 1.07us-gaap_EarningsPerShareDiluted $ 0.86us-gaap_EarningsPerShareDiluted
XML 55 R53.htm IDEA: XBRL DOCUMENT v2.4.1.9
3. Loans, Allowance for Loan Losses (Details) (USD $) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Allowance for loan losses      
Beginning balance $ 13,501us-gaap_LoansAndLeasesReceivableAllowance $ 14,423us-gaap_LoansAndLeasesReceivableAllowance $ 16,604us-gaap_LoansAndLeasesReceivableAllowance
Charge-offs (2,637)us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs (4,372)us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs (8,331)us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
Recoveries 917us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery 866us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery 1,226us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
Provision (699)us-gaap_ProvisionForLoanLeaseAndOtherLosses 2,584us-gaap_ProvisionForLoanLeaseAndOtherLosses 4,924us-gaap_ProvisionForLoanLeaseAndOtherLosses
Ending balance 11,082us-gaap_LoansAndLeasesReceivableAllowance 13,501us-gaap_LoansAndLeasesReceivableAllowance 14,423us-gaap_LoansAndLeasesReceivableAllowance
Ending balance: individually evaluated for impairments 1,497us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1 1,478us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1 1,362us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
Ending balance: collectively evaluated for impairments 9,585us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment 12,023us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment 13,061us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
Ending balance 11,082us-gaap_LoansAndLeasesReceivableOtherAllowance 13,501us-gaap_LoansAndLeasesReceivableOtherAllowance 14,423us-gaap_LoansAndLeasesReceivableOtherAllowance
Loans      
Ending balance 651,891us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome 620,960us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome 619,974us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
Ending balance: individually evaluated for impairment 28,166us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment 33,666us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment 40,785us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment
Ending balance: collectively evaluated for impairment 623,725us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment 587,294us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment 579,189us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment
Construction and land development      
Allowance for loan losses      
Beginning balance 3,218us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConstructionAndLandDevelopmentMember		 4,399us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConstructionAndLandDevelopmentMember		 7,182us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConstructionAndLandDevelopmentMember
Charge-offs (884)us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConstructionAndLandDevelopmentMember		 (777)us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConstructionAndLandDevelopmentMember		 (4,728)us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConstructionAndLandDevelopmentMember
Recoveries 428us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConstructionAndLandDevelopmentMember		 377us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConstructionAndLandDevelopmentMember		 528us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConstructionAndLandDevelopmentMember
Provision 23us-gaap_ProvisionForLoanLeaseAndOtherLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConstructionAndLandDevelopmentMember		 (781)us-gaap_ProvisionForLoanLeaseAndOtherLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConstructionAndLandDevelopmentMember		 1,417us-gaap_ProvisionForLoanLeaseAndOtherLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConstructionAndLandDevelopmentMember
Ending balance 2,785us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConstructionAndLandDevelopmentMember		 3,218us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConstructionAndLandDevelopmentMember		 4,399us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConstructionAndLandDevelopmentMember
Ending balance: individually evaluated for impairments 0us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConstructionAndLandDevelopmentMember		 0us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConstructionAndLandDevelopmentMember		 24us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConstructionAndLandDevelopmentMember
Ending balance: collectively evaluated for impairments 2,785us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConstructionAndLandDevelopmentMember		 3,218us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConstructionAndLandDevelopmentMember		 4,375us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConstructionAndLandDevelopmentMember
Ending balance 2,785us-gaap_LoansAndLeasesReceivableOtherAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConstructionAndLandDevelopmentMember		 3,218us-gaap_LoansAndLeasesReceivableOtherAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConstructionAndLandDevelopmentMember		 4,399us-gaap_LoansAndLeasesReceivableOtherAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConstructionAndLandDevelopmentMember
Loans      
Ending balance 57,617us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConstructionAndLandDevelopmentMember		 63,742us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConstructionAndLandDevelopmentMember		 73,176us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConstructionAndLandDevelopmentMember
Ending balance: individually evaluated for impairment 3,639us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConstructionAndLandDevelopmentMember		 6,293us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConstructionAndLandDevelopmentMember		 11,961us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConstructionAndLandDevelopmentMember
Ending balance: collectively evaluated for impairment 53,978us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConstructionAndLandDevelopmentMember		 57,449us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConstructionAndLandDevelopmentMember		 61,215us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConstructionAndLandDevelopmentMember
Single-family residential      
Allowance for loan losses      
Beginning balance 3,123us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialRealEstateMember		 3,231us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialRealEstateMember		 3,253us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialRealEstateMember
Charge-offs (309)us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialRealEstateMember		 (1,724)us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialRealEstateMember		 (886)us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialRealEstateMember
Recoveries 72us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialRealEstateMember		 111us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialRealEstateMember		 72us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialRealEstateMember
Provision (320)us-gaap_ProvisionForLoanLeaseAndOtherLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialRealEstateMember		 1,505us-gaap_ProvisionForLoanLeaseAndOtherLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialRealEstateMember		 792us-gaap_ProvisionForLoanLeaseAndOtherLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialRealEstateMember
Ending balance 2,566us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialRealEstateMember		 3,123us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialRealEstateMember		 3,231us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialRealEstateMember
Ending balance: individually evaluated for impairments 82us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialRealEstateMember		 39us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialRealEstateMember		 84us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialRealEstateMember
Ending balance: collectively evaluated for impairments 2,484us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialRealEstateMember		 3,084us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialRealEstateMember		 3,147us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialRealEstateMember
Ending balance 2,566us-gaap_LoansAndLeasesReceivableOtherAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialRealEstateMember		 3,123us-gaap_LoansAndLeasesReceivableOtherAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialRealEstateMember		 3,231us-gaap_LoansAndLeasesReceivableOtherAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialRealEstateMember
Loans      
Ending balance 206,417us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialRealEstateMember		 195,975us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialRealEstateMember		 195,003us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialRealEstateMember
Ending balance: individually evaluated for impairment 2,298us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialRealEstateMember		 3,127us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialRealEstateMember		 3,885us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialRealEstateMember
Ending balance: collectively evaluated for impairment 204,119us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialRealEstateMember		 192,848us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialRealEstateMember		 191,118us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialRealEstateMember
Single-family residential - Banco de la Gente stated income      
Allowance for loan losses      
Beginning balance 1,863us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_BancoDeLaGenteMember		 1,998us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_BancoDeLaGenteMember		 2,104us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_BancoDeLaGenteMember
Charge-offs (190)us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_BancoDeLaGenteMember		 (272)us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_BancoDeLaGenteMember		 (668)us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_BancoDeLaGenteMember
Recoveries 16us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_BancoDeLaGenteMember		 141us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_BancoDeLaGenteMember		 0us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_BancoDeLaGenteMember
Provision (79)us-gaap_ProvisionForLoanLeaseAndOtherLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_BancoDeLaGenteMember		 (4)us-gaap_ProvisionForLoanLeaseAndOtherLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_BancoDeLaGenteMember		 562us-gaap_ProvisionForLoanLeaseAndOtherLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_BancoDeLaGenteMember
Ending balance 1,610us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_BancoDeLaGenteMember		 1,863us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_BancoDeLaGenteMember		 1,998us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_BancoDeLaGenteMember
Ending balance: individually evaluated for impairments 1,155us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_BancoDeLaGenteMember		 1,268us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_BancoDeLaGenteMember		 1,254us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_BancoDeLaGenteMember
Ending balance: collectively evaluated for impairments 455us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_BancoDeLaGenteMember		 595us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_BancoDeLaGenteMember		 744us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_BancoDeLaGenteMember
Ending balance 1,610us-gaap_LoansAndLeasesReceivableOtherAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_BancoDeLaGenteMember		 1,863us-gaap_LoansAndLeasesReceivableOtherAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_BancoDeLaGenteMember		 1,998us-gaap_LoansAndLeasesReceivableOtherAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_BancoDeLaGenteMember
Loans      
Ending balance 47,015us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_BancoDeLaGenteMember		 49,463us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_BancoDeLaGenteMember		 52,019us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_BancoDeLaGenteMember
Ending balance: individually evaluated for impairment 18,884us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_BancoDeLaGenteMember		 19,958us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_BancoDeLaGenteMember		 20,024us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_BancoDeLaGenteMember
Ending balance: collectively evaluated for impairment 28,131us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_BancoDeLaGenteMember		 29,505us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_BancoDeLaGenteMember		 31,995us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_BancoDeLaGenteMember
Commercial      
Allowance for loan losses      
Beginning balance 2,219us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateMember		 2,049us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateMember		 1,731us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateMember
Charge-offs (290)us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateMember		 (445)us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateMember		 (937)us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateMember
Recoveries 171us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateMember		 50us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateMember		 374us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateMember
Provision (198)us-gaap_ProvisionForLoanLeaseAndOtherLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateMember		 565us-gaap_ProvisionForLoanLeaseAndOtherLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateMember		 881us-gaap_ProvisionForLoanLeaseAndOtherLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateMember
Ending balance 1,902us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateMember		 2,219us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateMember		 2,049us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateMember
Ending balance: individually evaluated for impairments 260us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateMember		 171us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateMember		 0us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateMember
Ending balance: collectively evaluated for impairments 1,642us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateMember		 2,048us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateMember		 2,049us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateMember
Ending balance 1,902us-gaap_LoansAndLeasesReceivableOtherAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateMember		 2,219us-gaap_LoansAndLeasesReceivableOtherAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateMember		 2,049us-gaap_LoansAndLeasesReceivableOtherAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateMember
Loans      
Ending balance 228,558us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateMember		 209,287us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateMember		 200,633us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateMember
Ending balance: individually evaluated for impairment 3,345us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateMember		 3,767us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateMember		 4,569us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateMember
Ending balance: collectively evaluated for impairment 225,213us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateMember		 205,520us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateMember		 196,064us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateMember
Multifamily and Farmland      
Allowance for loan losses      
Beginning balance 37us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_MultifamilyAndFarmlandMember		 28us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_MultifamilyAndFarmlandMember		 13us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_MultifamilyAndFarmlandMember
Charge-offs 0us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_MultifamilyAndFarmlandMember		 0us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_MultifamilyAndFarmlandMember		 0us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_MultifamilyAndFarmlandMember
Recoveries 0us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_MultifamilyAndFarmlandMember		 0us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_MultifamilyAndFarmlandMember		 0us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_MultifamilyAndFarmlandMember
Provision (30)us-gaap_ProvisionForLoanLeaseAndOtherLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_MultifamilyAndFarmlandMember		 9us-gaap_ProvisionForLoanLeaseAndOtherLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_MultifamilyAndFarmlandMember		 15us-gaap_ProvisionForLoanLeaseAndOtherLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_MultifamilyAndFarmlandMember
Ending balance 7us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_MultifamilyAndFarmlandMember		 37us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_MultifamilyAndFarmlandMember		 28us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_MultifamilyAndFarmlandMember
Ending balance: individually evaluated for impairments 0us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_MultifamilyAndFarmlandMember		 0us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_MultifamilyAndFarmlandMember		 0us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_MultifamilyAndFarmlandMember
Ending balance: collectively evaluated for impairments 7us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_MultifamilyAndFarmlandMember		 37us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_MultifamilyAndFarmlandMember		 28us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_MultifamilyAndFarmlandMember
Ending balance 7us-gaap_LoansAndLeasesReceivableOtherAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_MultifamilyAndFarmlandMember		 37us-gaap_LoansAndLeasesReceivableOtherAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_MultifamilyAndFarmlandMember		 28us-gaap_LoansAndLeasesReceivableOtherAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_MultifamilyAndFarmlandMember
Loans      
Ending balance 12,400us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_MultifamilyAndFarmlandMember		 11,801us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_MultifamilyAndFarmlandMember		 8,951us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_MultifamilyAndFarmlandMember
Ending balance: individually evaluated for impairment 0us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_MultifamilyAndFarmlandMember		 0us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_MultifamilyAndFarmlandMember		 0us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_MultifamilyAndFarmlandMember
Ending balance: collectively evaluated for impairment 12,400us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_MultifamilyAndFarmlandMember		 11,801us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_MultifamilyAndFarmlandMember		 8,951us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_MultifamilyAndFarmlandMember
Commercial loans (not secured by real estate)      
Allowance for loan losses      
Beginning balance 1,069us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialLoanMember		 1,088us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialLoanMember		 1,029us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialLoanMember
Charge-offs (430)us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialLoanMember		 (502)us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialLoanMember		 (555)us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialLoanMember
Recoveries 54us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialLoanMember		 44us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialLoanMember		 104us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialLoanMember
Provision 405us-gaap_ProvisionForLoanLeaseAndOtherLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialLoanMember		 439us-gaap_ProvisionForLoanLeaseAndOtherLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialLoanMember		 510us-gaap_ProvisionForLoanLeaseAndOtherLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialLoanMember
Ending balance 1,098us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialLoanMember		 1,069us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialLoanMember		 1,088us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialLoanMember
Ending balance: individually evaluated for impairments 0us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialLoanMember		 0us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialLoanMember		 0us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialLoanMember
Ending balance: collectively evaluated for impairments 1,098us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialLoanMember		 1,069us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialLoanMember		 1,088us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialLoanMember
Ending balance 1,098us-gaap_LoansAndLeasesReceivableOtherAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialLoanMember		 1,069us-gaap_LoansAndLeasesReceivableOtherAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialLoanMember		 1,088us-gaap_LoansAndLeasesReceivableOtherAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialLoanMember
Loans      
Ending balance 76,262us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialLoanMember		 68,047us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialLoanMember		 64,295us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialLoanMember
Ending balance: individually evaluated for impairment 0us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialLoanMember		 256us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialLoanMember		 346us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialLoanMember
Ending balance: collectively evaluated for impairment 76,262us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialLoanMember		 67,791us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialLoanMember		 63,949us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialLoanMember
Farm loans (not secured by real estate)      
Allowance for loan losses      
Beginning balance 0us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember		 0us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember		 0us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember
Charge-offs 0us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember		 0us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember		 0us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember
Recoveries 0us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember		 0us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember		 0us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember
Provision 0us-gaap_ProvisionForLoanLeaseAndOtherLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember		 0us-gaap_ProvisionForLoanLeaseAndOtherLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember		 0us-gaap_ProvisionForLoanLeaseAndOtherLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember
Ending balance 0us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember		 0us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember		 0us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember
Ending balance: individually evaluated for impairments 0us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember		 0us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember		 0us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember
Ending balance: collectively evaluated for impairments 0us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember		 0us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember		 0us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember
Ending balance 0us-gaap_LoansAndLeasesReceivableOtherAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember		 0us-gaap_LoansAndLeasesReceivableOtherAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember		 0us-gaap_LoansAndLeasesReceivableOtherAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember
Loans      
Ending balance 7us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember		 19us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember		 11us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember
Ending balance: individually evaluated for impairment 0us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember		 0us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember		 0us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember
Ending balance: collectively evaluated for impairment 7us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember		 19us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember		 11us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember
Consumer And All Other Loans      
Allowance for loan losses      
Beginning balance 245us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConsumerAndAllOtherLoansMember		 245us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConsumerAndAllOtherLoansMember		 255us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConsumerAndAllOtherLoansMember
Charge-offs (534)us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConsumerAndAllOtherLoansMember		 (652)us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConsumerAndAllOtherLoansMember		 (557)us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConsumerAndAllOtherLoansMember
Recoveries 176us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConsumerAndAllOtherLoansMember		 143us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConsumerAndAllOtherLoansMember		 148us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConsumerAndAllOtherLoansMember
Provision 346us-gaap_ProvisionForLoanLeaseAndOtherLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConsumerAndAllOtherLoansMember		 509us-gaap_ProvisionForLoanLeaseAndOtherLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConsumerAndAllOtherLoansMember		 399us-gaap_ProvisionForLoanLeaseAndOtherLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConsumerAndAllOtherLoansMember
Ending balance 233us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConsumerAndAllOtherLoansMember		 245us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConsumerAndAllOtherLoansMember		 245us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConsumerAndAllOtherLoansMember
Ending balance: individually evaluated for impairments 0us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConsumerAndAllOtherLoansMember		 0us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConsumerAndAllOtherLoansMember		 0us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConsumerAndAllOtherLoansMember
Ending balance: collectively evaluated for impairments 233us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConsumerAndAllOtherLoansMember		 245us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConsumerAndAllOtherLoansMember		 245us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConsumerAndAllOtherLoansMember
Ending balance 233us-gaap_LoansAndLeasesReceivableOtherAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConsumerAndAllOtherLoansMember		 245us-gaap_LoansAndLeasesReceivableOtherAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConsumerAndAllOtherLoansMember		 245us-gaap_LoansAndLeasesReceivableOtherAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConsumerAndAllOtherLoansMember
Loans      
Ending balance 23,615us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConsumerAndAllOtherLoansMember		 22,626us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConsumerAndAllOtherLoansMember		 25,886us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConsumerAndAllOtherLoansMember
Ending balance: individually evaluated for impairment 0us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConsumerAndAllOtherLoansMember		 265us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConsumerAndAllOtherLoansMember		 0us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConsumerAndAllOtherLoansMember
Ending balance: collectively evaluated for impairment 23,615us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConsumerAndAllOtherLoansMember		 22,361us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConsumerAndAllOtherLoansMember		 25,886us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_ConsumerAndAllOtherLoansMember
Unallocated      
Allowance for loan losses      
Beginning balance 1,727us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_UnallocatedMember		 1,385us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_UnallocatedMember		 1,037us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_UnallocatedMember
Charge-offs 0us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_UnallocatedMember		 0us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_UnallocatedMember		 0us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_UnallocatedMember
Recoveries 0us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_UnallocatedMember		 0us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_UnallocatedMember		 0us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_UnallocatedMember
Provision (846)us-gaap_ProvisionForLoanLeaseAndOtherLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_UnallocatedMember		 342us-gaap_ProvisionForLoanLeaseAndOtherLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_UnallocatedMember		 348us-gaap_ProvisionForLoanLeaseAndOtherLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_UnallocatedMember
Ending balance 881us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_UnallocatedMember		 1,727us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_UnallocatedMember		 1,385us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_UnallocatedMember
Ending balance: individually evaluated for impairments 0us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_UnallocatedMember		 0us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_UnallocatedMember		 0us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_UnallocatedMember
Ending balance: collectively evaluated for impairments 881us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_UnallocatedMember		 1,727us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_UnallocatedMember		 1,385us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_UnallocatedMember
Ending balance 881us-gaap_LoansAndLeasesReceivableOtherAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_UnallocatedMember		 1,727us-gaap_LoansAndLeasesReceivableOtherAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_UnallocatedMember		 1,385us-gaap_LoansAndLeasesReceivableOtherAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_UnallocatedMember
Loans      
Ending balance 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_UnallocatedMember		 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_UnallocatedMember		 0us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_UnallocatedMember
Ending balance: individually evaluated for impairment 0us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_UnallocatedMember		 0us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_UnallocatedMember		 0us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_UnallocatedMember
Ending balance: collectively evaluated for impairment $ 0us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_UnallocatedMember		 $ 0us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_UnallocatedMember		 $ 0us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= PEBK_UnallocatedMember
XML 56 R72.htm IDEA: XBRL DOCUMENT v2.4.1.9
11. Employee and Director Benefit Programs (Details 2) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Employee And Director Benefit Programs Details 2      
Service cost $ 348us-gaap_DefinedBenefitPlanServiceCost $ 336us-gaap_DefinedBenefitPlanServiceCost $ 430us-gaap_DefinedBenefitPlanServiceCost
Interest cost 67us-gaap_DefinedBenefitPlanInterestCost 65us-gaap_DefinedBenefitPlanInterestCost 89us-gaap_DefinedBenefitPlanInterestCost
Net periodic cost $ 415us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost $ 401us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost $ 519us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost
Weighted average discount rate assumption used to determine benefit obligation 5.47%us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate 5.46%us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate 5.43%us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate
XML 57 R2.htm IDEA: XBRL DOCUMENT v2.4.1.9
Consolidated Balance Sheets (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2014
Dec. 31, 2013
Assets    
Cash and due from banks, including reserve requirements of $12,569 and $11,472 $ 51,213us-gaap_CashAndDueFromBanks $ 49,902us-gaap_CashAndDueFromBanks
Interest-bearing deposits 17,885us-gaap_InterestBearingDepositsInBanks 26,871us-gaap_InterestBearingDepositsInBanks
Cash and cash equivalents 69,098us-gaap_CashAndCashEquivalentsAtCarryingValue 76,773us-gaap_CashAndCashEquivalentsAtCarryingValue
Investment securities available for sale 281,099us-gaap_AvailableForSaleSecurities 297,890us-gaap_AvailableForSaleSecurities
Other investments 4,031us-gaap_OtherInvestments 4,990us-gaap_OtherInvestments
Total securities 285,130us-gaap_MarketableSecurities 302,880us-gaap_MarketableSecurities
Mortgage loans held for sale 1,375us-gaap_LoansHeldForSaleMortgages 497us-gaap_LoansHeldForSaleMortgages
Loans 651,891us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome 620,960us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
Less allowance for loan losses (11,082)us-gaap_LoansAndLeasesReceivableAllowance (13,501)us-gaap_LoansAndLeasesReceivableAllowance
Net loans 640,809us-gaap_LoansAndLeasesReceivableNetReportedAmount 607,459us-gaap_LoansAndLeasesReceivableNetReportedAmount
Premises and equipment, net 17,000us-gaap_PropertyPlantAndEquipmentNet 16,358us-gaap_PropertyPlantAndEquipmentNet
Cash surrender value of life insurance 14,125us-gaap_CashSurrenderValueOfLifeInsurance 13,706us-gaap_CashSurrenderValueOfLifeInsurance
Other real estate 2,016us-gaap_OtherRealEstate 1,679us-gaap_OtherRealEstate
Accrued interest receivable and other assets 10,941PEBK_AccruedInterestReceivableAndOtherAssets 15,332PEBK_AccruedInterestReceivableAndOtherAssets
Total assets 1,040,494us-gaap_Assets 1,034,684us-gaap_Assets
Deposits:    
Non-interest bearing demand 210,758us-gaap_NoninterestBearingDepositLiabilities 195,265us-gaap_NoninterestBearingDepositLiabilities
NOW, MMDA & savings 407,504us-gaap_DepositsMoneyMarketDepositsAndNegotiableOrderOfWithdrawalNOW 386,893us-gaap_DepositsMoneyMarketDepositsAndNegotiableOrderOfWithdrawalNOW
Time, $250,000 or more 47,872us-gaap_TimeDeposits100000OrMore 49,168us-gaap_TimeDeposits100000OrMore
Other time 148,566us-gaap_TimeDepositsLessThan100000 168,035us-gaap_TimeDepositsLessThan100000
Total deposits 814,700us-gaap_Deposits 799,361us-gaap_Deposits
Securities sold under agreements to repurchase 48,430us-gaap_SecuritiesSoldUnderAgreementsToRepurchase 45,396us-gaap_SecuritiesSoldUnderAgreementsToRepurchase
FHLB borrowings 50,000us-gaap_FederalHomeLoanBankAdvancesLongTerm 65,000us-gaap_FederalHomeLoanBankAdvancesLongTerm
Junior subordinated debentures 20,619us-gaap_SubordinatedDebt 20,619us-gaap_SubordinatedDebt
Accrued interest payable and other liabilities 8,080us-gaap_AccruedLiabilitiesAndOtherLiabilities 20,589us-gaap_AccruedLiabilitiesAndOtherLiabilities
Total liabilities 941,829us-gaap_Liabilities 950,965us-gaap_Liabilities
Commitments      
Shareholders' equity:    
Series A preferred stock, $1,000 stated value; authorized 5,000,000 shares; no shares issued and outstanding 0us-gaap_PreferredStockValue 0us-gaap_PreferredStockValue
Common stock, no par value; authorized 20,000,000 shares; issued and outstanding 5,612,588 shares in 2014 and 5,613,495 shares in 2013 48,088us-gaap_CommonStockValue 48,133us-gaap_CommonStockValue
Retained earnings 45,124us-gaap_RetainedEarningsAccumulatedDeficit 36,758us-gaap_RetainedEarningsAccumulatedDeficit
Accumulated other comprehensive income (loss) 5,453us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax (1,172)us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax
Total shareholders' equity 98,665us-gaap_StockholdersEquity 83,719us-gaap_StockholdersEquity
Total liabilities and shareholders' equity $ 1,040,494us-gaap_LiabilitiesAndStockholdersEquity $ 1,034,684us-gaap_LiabilitiesAndStockholdersEquity
XML 58 R45.htm IDEA: XBRL DOCUMENT v2.4.1.9
2. Investment securities, Fair Value Measurements (Details) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2014
Dec. 31, 2013
Estimated Fair Value $ 281,099us-gaap_AvailableForSaleSecurities $ 297,890us-gaap_AvailableForSaleSecurities
Mortgage-backed securities    
Estimated Fair Value 90,210us-gaap_AvailableForSaleSecurities
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_MortgageBackedSecuritiesMember		 123,977us-gaap_AvailableForSaleSecurities
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_MortgageBackedSecuritiesMember
Level 1 valuation 0PEBK_AvailableforsaleSecuritiesLevelOneValuation
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_MortgageBackedSecuritiesMember		 0PEBK_AvailableforsaleSecuritiesLevelOneValuation
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_MortgageBackedSecuritiesMember
Level 2 valuation 90,210PEBK_AvailableforsaleSecuritiesLevelTwoValuation
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_MortgageBackedSecuritiesMember		 123,977PEBK_AvailableforsaleSecuritiesLevelTwoValuation
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_MortgageBackedSecuritiesMember
Level 3 valuation 0PEBK_AvailableforsaleSecuritiesLevelThreeValuation
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_MortgageBackedSecuritiesMember		 0PEBK_AvailableforsaleSecuritiesLevelThreeValuation
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_MortgageBackedSecuritiesMember
U.S. Government sponsored enterprises    
Estimated Fair Value 34,048us-gaap_AvailableForSaleSecurities
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember		 22,143us-gaap_AvailableForSaleSecurities
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember
Level 1 valuation 0PEBK_AvailableforsaleSecuritiesLevelOneValuation
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember		 0PEBK_AvailableforsaleSecuritiesLevelOneValuation
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember
Level 2 valuation 34,048PEBK_AvailableforsaleSecuritiesLevelTwoValuation
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember		 22,143PEBK_AvailableforsaleSecuritiesLevelTwoValuation
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember
Level 3 valuation 0PEBK_AvailableforsaleSecuritiesLevelThreeValuation
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember		 0PEBK_AvailableforsaleSecuritiesLevelThreeValuation
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember
State and political subdivisions    
Estimated Fair Value 152,246us-gaap_AvailableForSaleSecurities
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember		 145,368us-gaap_AvailableForSaleSecurities
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember
Level 1 valuation 0PEBK_AvailableforsaleSecuritiesLevelOneValuation
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember		 0PEBK_AvailableforsaleSecuritiesLevelOneValuation
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember
Level 2 valuation 152,246PEBK_AvailableforsaleSecuritiesLevelTwoValuation
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember		 145,368PEBK_AvailableforsaleSecuritiesLevelTwoValuation
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember
Level 3 valuation 0PEBK_AvailableforsaleSecuritiesLevelThreeValuation
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember		 0PEBK_AvailableforsaleSecuritiesLevelThreeValuation
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember
Corporate bonds    
Estimated Fair Value 2,467us-gaap_AvailableForSaleSecurities
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateBondSecuritiesMember		 3,463us-gaap_AvailableForSaleSecurities
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateBondSecuritiesMember
Level 1 valuation 0PEBK_AvailableforsaleSecuritiesLevelOneValuation
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateBondSecuritiesMember		 0PEBK_AvailableforsaleSecuritiesLevelOneValuation
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateBondSecuritiesMember
Level 2 valuation 2,467PEBK_AvailableforsaleSecuritiesLevelTwoValuation
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateBondSecuritiesMember		 3,463PEBK_AvailableforsaleSecuritiesLevelTwoValuation
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateBondSecuritiesMember
Level 3 valuation 0PEBK_AvailableforsaleSecuritiesLevelThreeValuation
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateBondSecuritiesMember		 0PEBK_AvailableforsaleSecuritiesLevelThreeValuation
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateBondSecuritiesMember
Trust preferred securities    
Estimated Fair Value 750us-gaap_AvailableForSaleSecurities
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember		 1,250us-gaap_AvailableForSaleSecurities
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember
Level 1 valuation 0PEBK_AvailableforsaleSecuritiesLevelOneValuation
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember		 0PEBK_AvailableforsaleSecuritiesLevelOneValuation
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember
Level 2 valuation 0PEBK_AvailableforsaleSecuritiesLevelTwoValuation
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember		 0PEBK_AvailableforsaleSecuritiesLevelTwoValuation
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember
Level 3 valuation 750PEBK_AvailableforsaleSecuritiesLevelThreeValuation
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember		 1,250PEBK_AvailableforsaleSecuritiesLevelThreeValuation
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember
Equity securities    
Estimated Fair Value 1,378us-gaap_AvailableForSaleSecurities
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_EquitySecuritiesMember		 1,689us-gaap_AvailableForSaleSecurities
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_EquitySecuritiesMember
Level 1 valuation 1,378PEBK_AvailableforsaleSecuritiesLevelOneValuation
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_EquitySecuritiesMember		 1,689PEBK_AvailableforsaleSecuritiesLevelOneValuation
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_EquitySecuritiesMember
Level 2 valuation 0PEBK_AvailableforsaleSecuritiesLevelTwoValuation
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_EquitySecuritiesMember		 0PEBK_AvailableforsaleSecuritiesLevelTwoValuation
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_EquitySecuritiesMember
Level 3 valuation $ 0PEBK_AvailableforsaleSecuritiesLevelThreeValuation
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_EquitySecuritiesMember		 $ 0PEBK_AvailableforsaleSecuritiesLevelThreeValuation
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_EquitySecuritiesMember
XML 59 R6.htm IDEA: XBRL DOCUMENT v2.4.1.9
Consolidated Statements of Changes in Shareholders' Equity (USD $)
In Thousands, except Share data
Preferred Stock
Common Stock
Retained Earnings
Accumulated Other Comprehensive Income
Total
Beginning Balance, Amount at Dec. 31, 2011 $ 24,758us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_PreferredStockMember		 $ 48,298us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_CommonStockMember		 $ 26,895us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_RetainedEarningsMember		 $ 3,076us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AccumulatedOtherComprehensiveIncomeMember		 $ 103,027us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest
Beginning Balance, Shares at Dec. 31, 2011 25,054us-gaap_SharesOutstanding
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_PreferredStockMember		 5,544,160us-gaap_SharesOutstanding
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_CommonStockMember		      
Accretion of Series A preferred stock 70us-gaap_PreferredStockAccretionOfRedemptionDiscount
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_PreferredStockMember		    (70)us-gaap_PreferredStockAccretionOfRedemptionDiscount
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_RetainedEarningsMember		      
Preferred stock and warrant repurchase, Shares (12,530)PEBK_PreferredStockAndWarrantRepurchaseShares
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_PreferredStockMember		         
Preferred stock and warrant repurchase, Amount (12,304)PEBK_PreferredStockAndWarrantRepurchaseAmount
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_PreferredStockMember		 (704)PEBK_PreferredStockAndWarrantRepurchaseAmount
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_CommonStockMember		 886PEBK_PreferredStockAndWarrantRepurchaseAmount
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_RetainedEarningsMember		    (12,122)PEBK_PreferredStockAndWarrantRepurchaseAmount
Cash dividends declared on Series A preferred stock       (1,023)us-gaap_DividendsPreferredStockCash
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_RetainedEarningsMember		    (1,023)us-gaap_DividendsPreferredStockCash
Cash dividends declared on common stock       (1,003)us-gaap_DividendsCommonStockCash
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_RetainedEarningsMember		    (1,003)us-gaap_DividendsCommonStockCash
Stock options exercised, Shares    69,335us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_CommonStockMember		      
Stock options exercised, Amount    539us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_CommonStockMember		       539us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised
Net earnings       5,793us-gaap_ProfitLoss
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_RetainedEarningsMember		    5,793us-gaap_ProfitLoss
Change in accumulated other comprehensive income, net of tax          2,536us-gaap_OtherComprehensiveIncomeLossNetOfTax
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AccumulatedOtherComprehensiveIncomeMember		 2,536us-gaap_OtherComprehensiveIncomeLossNetOfTax
Ending Balance, Amount at Dec. 31, 2012 12,524us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_PreferredStockMember		 48,133us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_CommonStockMember		 31,478us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_RetainedEarningsMember		 5,612us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AccumulatedOtherComprehensiveIncomeMember		 97,747us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest
Ending Balance, Shares at Dec. 31, 2012 12,524us-gaap_SharesOutstanding
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_PreferredStockMember		 5,613,495us-gaap_SharesOutstanding
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_CommonStockMember		      
Accretion of Series A preferred stock, shares (12,524)PEBK_PreferredStockAccretionOfRedemptionDiscountShares
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_PreferredStockMember		         
Accretion of Series A preferred stock (12,524)us-gaap_PreferredStockAccretionOfRedemptionDiscount
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_PreferredStockMember		          (12,524)us-gaap_PreferredStockAccretionOfRedemptionDiscount
Cash dividends declared on Series A preferred stock       (734)us-gaap_DividendsPreferredStockCash
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_RetainedEarningsMember		    (734)us-gaap_DividendsPreferredStockCash
Cash dividends declared on common stock       (677)us-gaap_DividendsCommonStockCash
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_RetainedEarningsMember		    (677)us-gaap_DividendsCommonStockCash
Net earnings       6,691us-gaap_ProfitLoss
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_RetainedEarningsMember		    6,691us-gaap_ProfitLoss
Change in accumulated other comprehensive income, net of tax          (6,784)us-gaap_OtherComprehensiveIncomeLossNetOfTax
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AccumulatedOtherComprehensiveIncomeMember		 (6,784)us-gaap_OtherComprehensiveIncomeLossNetOfTax
Ending Balance, Amount at Dec. 31, 2013    48,133us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_CommonStockMember		 36,758us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_RetainedEarningsMember		 (1,172)us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AccumulatedOtherComprehensiveIncomeMember		 83,719us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest
Ending Balance, Shares at Dec. 31, 2013    5,613,495us-gaap_SharesOutstanding
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_CommonStockMember		      
Common stock repurchase, shares    (4,537)us-gaap_StockRepurchasedAndRetiredDuringPeriodShares
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_CommonStockMember		      
Common stock repurchase    (82)us-gaap_StockRepurchasedAndRetiredDuringPeriodValue
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_CommonStockMember		       (82)us-gaap_StockRepurchasedAndRetiredDuringPeriodValue
Cash dividends declared on common stock       (1,022)us-gaap_DividendsCommonStockCash
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_RetainedEarningsMember		    (1,022)us-gaap_DividendsCommonStockCash
Stock options exercised, Shares    3,630us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_CommonStockMember		      
Stock options exercised, Amount    37us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_CommonStockMember		       37us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised
Net earnings       9,388us-gaap_ProfitLoss
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_RetainedEarningsMember		    9,388us-gaap_ProfitLoss
Change in accumulated other comprehensive income, net of tax          6,625us-gaap_OtherComprehensiveIncomeLossNetOfTax
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AccumulatedOtherComprehensiveIncomeMember		 6,625us-gaap_OtherComprehensiveIncomeLossNetOfTax
Ending Balance, Amount at Dec. 31, 2014    $ 48,088us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_CommonStockMember		 $ 45,124us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_RetainedEarningsMember		 $ 5,453us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AccumulatedOtherComprehensiveIncomeMember		 $ 98,665us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest
Ending Balance, Shares at Dec. 31, 2014    5,612,588us-gaap_SharesOutstanding
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_CommonStockMember		      
XML 60 R59.htm IDEA: XBRL DOCUMENT v2.4.1.9
5. Time Deposits (Details) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2014
Time Deposits Details  
2015 $ 131,001us-gaap_TimeDepositMaturitiesYearOne
2016 37,065us-gaap_TimeDepositMaturitiesYearTwo
2017 17,029us-gaap_TimeDepositMaturitiesYearThree
2018 8,336us-gaap_TimeDepositMaturitiesYearFour
2019 and thereafter 3,007us-gaap_TimeDepositMaturitiesAfterYearFive
Total $ 196,438us-gaap_TimeDeposits
XML 61 R35.htm IDEA: XBRL DOCUMENT v2.4.1.9
12. Regulatory Matters (Tables)
 12 Months Ended
Dec. 31, 2014
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, 2014:                      
                       
Total Capital (to Risk-Weighted Assets)                      
Consolidated $ 122,732   16.62%   59,085   8.00%   N/A   N/A
Bank $ 118,356   16.06%   58,974   8.00%   73,717   10.00%
Tier 1 Capital (to Risk-Weighted Assets)                        
Consolidated $ 113,211   15.33%   29,542   4.00%   N/A   N/A
Bank $ 108,934   14.78%   29,487   4.00%   44,230   6.00%
Tier 1 Capital (to Average Assets)                        
Consolidated $ 113,211   10.74%   42,181   4.00%   N/A   N/A
Bank $ 108,934   10.33%   42,164   4.00%   52,706   5.00%
                         
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%

 

 
XML 62 R65.htm IDEA: XBRL DOCUMENT v2.4.1.9
9. Related Party Transactions (Details) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Related Party Transactions Details  
Beginning balance $ 4,340us-gaap_DueToRelatedPartiesCurrentAndNoncurrent
New loans 6,903us-gaap_ProceedsFromRelatedPartyDebt
Repayments (6,483)us-gaap_RepaymentsOfRelatedPartyDebt
Ending balance $ 4,760us-gaap_DueToRelatedPartiesCurrentAndNoncurrent
XML 63 R22.htm IDEA: XBRL DOCUMENT v2.4.1.9
15. Fair Value of Financial Instruments
 12 Months Ended
Dec. 31, 2014
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, 2014 and 2013 are as follows:

  

(Dollars in thousands)                  
      Fair Value Measurements at December 31, 2014
 

Carrying

Amount

   Level 1   Level 2   Level 3   Total
Assets:                  
Cash and cash equivalents $ 69,098   69,098   -   -   69,098
Investment securities available for sale $ 281,099   1,378   278,971   750   281,099
Other investments $ 4,031   -   -   4,031   4,031
Mortgage loans held for sale $ 1,375   -   -   1,375   1,375
Loans, net $ 640,809   -   -   644,708   644,708
Cash surrender value of life insurance $ 14,125   -   14,125   -   14,125
                     
Liabilities:                    
Deposits $ 814,700   -   -   813,288   813,288
Securities sold under agreements                    
to repurchase $ 48,430   -   48,430   -   48,430
FHLB borrowings $ 50,000   -   49,598   -   49,598
Junior subordinated debentures $ 20,619   -   20,619   -   20,619
                     
                     
(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

 

 
XML 64 R36.htm IDEA: XBRL DOCUMENT v2.4.1.9
14. Other Operating Income and Expense (Tables)
 12 Months Ended
Dec. 31, 2014
Other Income and Expenses [Abstract]  
Other operating income and expense

Miscellaneous non-interest income for the years ended December 31, 2014, 2013 and 2012 included the following items that exceeded one percent of total revenues at some point during the following three-year period:

 

 

(Dollars in thousands)          
  2014   2013   2012
Visa debit card income $ 3,170   2,990   2,092
Net appraisal management fee income $ 525   718   737
Insurance and brokerage commissions $ 701   661   517

 

 

Other non-interest expense for the years ended December 31, 2014, 2013 and 2012 included the following items that exceeded one percent of total revenues at some point during the following three-year period:

 

(Dollars in thousands)          
  2014   2013   2012
Advertising $ 804   685   695
FDIC insurance $ 739   864   894
Visa debit card expense $ 905   823   729
Telephone $ 574   570   554
Foreclosure/OREO expense $ 317   356   677
Internet banking expense $ 644   568   593
FHLB advance prepayment penalty $ 869   530   -  
Consulting $ 609   468   499
NC Tax Credit Amortization $ 870   160   -  

 

 
XML 65 R24.htm IDEA: XBRL DOCUMENT v2.4.1.9
1. Summary of Significant Accounting Policies (Policies)
 12 Months Ended
Dec. 31, 2014
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, Wake and Durham 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.

 

In March 2015, the Bank established a new wholly owned subsidiary, PB Real Estate Holdings, LLC, which will acquire, manage and dispose of real property, other collateral and other assets obtained in the ordinary course of collecting debts previously contracted.

 
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, 2014 and 2013, 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.

 

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 collectability 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.

 

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, and loans in process of litigation or liquidation.  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 provision for loan losses charged or credited to earnings is based upon management’s judgment of the amount necessary to maintain the allowance at a level appropriate to absorb probable incurred losses in the loan portfolio at the balance sheet date.  The amount each quarter is dependent upon many factors, including growth and changes in the composition of the loan portfolio, net charge-offs, delinquencies, management’s assessment of loan portfolio quality, the value of collateral, and other macro-economic factors and trends.  The evaluation of these factors is performed quarterly by management through an analysis of the appropriateness of 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, three, four or five 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.

 

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, 2014 as compared to the year ended December 31, 2013.   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.  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. 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.

 
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 $2.1 million, $2.4 million and $3.1 million at December 31, 2014, 2013 and 2012, 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.  
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.   As of December 31, 2014, there were no outstanding options under the 1999 Plan.  A summary of the stock option activity for the year ended December 31, 2014 is presented below:

 

 Stock Option Activity
For the Year Ended December 31, 2014
                 
  Shares  

Weighted

Average Option

Price Per Share

  

Weighted Average

Remaining

Contractual Term (in

years)

    

Aggregate

Intrinsic

Value

(Dollars in

thousands)

Outstanding, December 31, 2013 3,630   $ 10.31          
                   
Granted during the period -     $ -          
Expired during the period -     $ -          
Forfeited during the period -     $ -          
Exercised during the period (3,630 ) $ 10.31          
                   
Outstanding, December 31, 2014 -     $ -       $                 -    
                   
Exercisable, December 31, 2014  -     $ -       $                  -    

 

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 recognized compensation expense on the restricted stock units over the period of time the restrictions were 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 in each period reflected the changes in the Company’s stock price during such period.  As of December 31, 2014, 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 282,635 shares are currently reserved for possible issuance under the 2009 Plan.   All stock-based rights under the 2009 Plan must be granted or awarded by May 7, 2019 (or ten years from the 2009 Plan effective date).

 

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, of which 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 granted 21,056 restricted stock units under the 2009 Plan at a grant date fair value of $15.70 per share during the first quarter of 2014.  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, four years from the grant date for the 2013 grants and three years from the grant date for the 2014 grants).  The amount of expense recorded each period reflects the changes in the Company’s stock price during such period.  As of December 31, 2014, the total unrecognized compensation expense related to the restricted stock unit grants under the 2009 Plan was $770,000.

 

The Company recognized compensation expense for restricted stock units granted under the 2009 Plan of $389,000, $173,000 and $42,000 for the years ended December 31, 2014, 2013 and 2012, respectively.

 
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, 2014, 2013 and 2012 are as follows:

 

For the year ended December 31, 2014:

Net Earnings

Available to

Common

Shareholders

(Dollars in

thousands)

  

Common

Shares

  

Per Share

Amount

Basic earnings per common share $ 9,388   5,615,666   $ 1.67
Effect of dilutive securities:              
Stock options   -     26,326      
Diluted earnings per common share $ 9,388   5,641,992   $ 1.66
               
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

 
Recent Accounting Pronouncements

In November 2014, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) No. 2014-16, (Topic 815):  Determining Whether the Host Contract in a Hybrid Financial Instrument Issued in the Form of a Share Is More Akin to Debt or to Equity.  ASU No. 2014-16 provides more direction for determining whether embedded features, such as a conversion option embedded in a share of preferred stock, need to be accounted for separately from their host shares.  ASU No. 2014-16 is effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2015.  The adoption of this guidance is not expected to have a material impact on the Company’s results of operations, financial position or disclosures.

 

In November 2014, FASB issued ASU No. 2014-17, (Topic 805):  Pushdown Accounting (a consensus of the FASB Emerging Issues Task Force).  ASU No. 2014-17 gives acquired entities the option to apply pushdown accounting in their separate financial statements when an acquirer obtains control of them.  ASU No. 2014-17 was effective upon issuance for current and future reporting periods and any open reporting periods for which financial statements have not yet been issued.  The adoption of this guidance is not expected to have a material impact on the Company’s results of operations, financial position or disclosures.

 

In January 2015, FASB issued ASU No. 2015-01, (Subtopic 225-20):  Simplifying Income Statement Presentation by Eliminating the Concept of Extraordinary Items.  ASU No. 2015-01 eliminates the concept of extraordinary items from GAAP.  ASU No. 2015-01 is effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2015.  The adoption of this guidance is not expected to have a material impact on the Company’s results of operations, financial position or disclosures.

 

In February 2015, FASB issued ASU No. 2015-02, (Topic 810):  Amendments to the Consolidation Analysis.  ASU No. 2015-02 provides amendments to respond to stakeholders’ concerns about the current accounting for consolidation of certain legal entities.  Stakeholders expressed concerns that GAAP might require a reporting entity to consolidate another legal entity in situations in which the reporting entity’s contractual rights do not give it the ability to act primarily on its own behalf, the reporting entity does not hold a majority of the legal entity’s voting rights, or the reporting entity is not exposed to a majority of the legal entity’s economic benefits or obligations.  ASU No. 2015-02 is effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2015.  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 2012 and 2013 consolidated financial statements have been reclassified to conform to the 2014 presentation.
XML 66 R68.htm IDEA: XBRL DOCUMENT v2.4.1.9
10. Commitments and Contingencies (Details 1) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2014
Dec. 31, 2013
Commitments and contingencies      
Commitments to extend credit    
Commitments and contingencies 168,733us-gaap_CommitmentsAndContingencies
/ us-gaap_FinancialInstrumentAxis
= us-gaap_CommitmentsToExtendCreditMember		 146,243us-gaap_CommitmentsAndContingencies
/ us-gaap_FinancialInstrumentAxis
= us-gaap_CommitmentsToExtendCreditMember
Standby letters of credit and financial guarantees written    
Commitments and contingencies $ 3,911us-gaap_CommitmentsAndContingencies
/ us-gaap_FinancialInstrumentAxis
= us-gaap_StandbyLettersOfCreditMember		 $ 4,361us-gaap_CommitmentsAndContingencies
/ us-gaap_FinancialInstrumentAxis
= us-gaap_StandbyLettersOfCreditMember
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Consolidated Statements of Cash Flows (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Cash flows from operating activities:      
Net earnings $ 9,388us-gaap_NetIncomeLoss $ 6,691us-gaap_NetIncomeLoss $ 5,793us-gaap_NetIncomeLoss
Adjustments to reconcile net earnings to net cash provided by operating activities:      
Depreciation, amortization and accretion 6,889us-gaap_DepreciationAmortizationAndAccretionNet 8,453us-gaap_DepreciationAmortizationAndAccretionNet 8,876us-gaap_DepreciationAmortizationAndAccretionNet
Provision for loan losses (699)us-gaap_ProvisionForLoanAndLeaseLosses 2,584us-gaap_ProvisionForLoanAndLeaseLosses 4,924us-gaap_ProvisionForLoanAndLeaseLosses
Deferred income taxes 178us-gaap_IncreaseDecreaseInDeferredIncomeTaxes 534us-gaap_IncreaseDecreaseInDeferredIncomeTaxes (213)us-gaap_IncreaseDecreaseInDeferredIncomeTaxes
Gain on sale of investment securities (266)us-gaap_GainLossOnSaleOfInvestments (614)us-gaap_GainLossOnSaleOfInvestments (1,218)us-gaap_GainLossOnSaleOfInvestments
(Gain) loss on sale of other real estate (5)us-gaap_GainsLossesOnSalesOfOtherRealEstate (14)us-gaap_GainsLossesOnSalesOfOtherRealEstate 98us-gaap_GainsLossesOnSalesOfOtherRealEstate
Write-down of other real estate 627us-gaap_ImpairmentOfRealEstate 595us-gaap_ImpairmentOfRealEstate 1,038us-gaap_ImpairmentOfRealEstate
Restricted stock expense 389us-gaap_RestrictedStockExpense 173us-gaap_RestrictedStockExpense 42us-gaap_RestrictedStockExpense
Change in:      
Mortgage loans held for sale (878)us-gaap_IncreaseDecreaseInLoansHeldForSale 6,425us-gaap_IncreaseDecreaseInLoansHeldForSale (1,776)us-gaap_IncreaseDecreaseInLoansHeldForSale
Cash surrender value of life insurance (419)us-gaap_LifeInsuranceCorporateOrBankOwnedChangeInValue (432)us-gaap_LifeInsuranceCorporateOrBankOwnedChangeInValue (438)us-gaap_LifeInsuranceCorporateOrBankOwnedChangeInValue
Other assets (778)us-gaap_IncreaseDecreaseInOtherOperatingAssets 1,508us-gaap_IncreaseDecreaseInOtherOperatingAssets (441)us-gaap_IncreaseDecreaseInOtherOperatingAssets
Other liabilities 15us-gaap_IncreaseDecreaseInOtherOperatingLiabilities (982)us-gaap_IncreaseDecreaseInOtherOperatingLiabilities 2,342us-gaap_IncreaseDecreaseInOtherOperatingLiabilities
Net cash provided by operating activities 14,441us-gaap_NetCashProvidedByUsedInOperatingActivities 24,921us-gaap_NetCashProvidedByUsedInOperatingActivities 19,027us-gaap_NetCashProvidedByUsedInOperatingActivities
Cash flows from investing activities:      
Purchases of investment securities available for sale (32,851)us-gaap_PaymentsToAcquireAvailableForSaleSecurities (98,129)us-gaap_PaymentsToAcquireAvailableForSaleSecurities (88,304)us-gaap_PaymentsToAcquireAvailableForSaleSecurities
Proceeds from calls, maturities and paydowns of investment securities available for sale 36,148us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities 63,597us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities 63,225us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities
Proceeds from sales of investment securities available for sale 20,202us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities 17,463us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities 47,076us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities
Purchases of other investments 0us-gaap_PaymentsToAcquireOtherInvestments 0us-gaap_PaymentsToAcquireOtherInvestments (493)us-gaap_PaymentsToAcquireOtherInvestments
FHLB stock redemption 959us-gaap_ProceedsFromSaleOfFederalReserveStock 609us-gaap_ProceedsFromSaleOfFederalReserveStock 606us-gaap_ProceedsFromSaleOfFederalReserveStock
Net change in loans (36,692)us-gaap_PaymentsForProceedsFromLoansAndLeases (6,137)us-gaap_PaymentsForProceedsFromLoansAndLeases 38,170us-gaap_PaymentsForProceedsFromLoansAndLeases
Purchases of premises and equipment (3,120)us-gaap_PaymentsToAcquirePropertyPlantAndEquipment (2,434)us-gaap_PaymentsToAcquirePropertyPlantAndEquipment (917)us-gaap_PaymentsToAcquirePropertyPlantAndEquipment
Proceeds from sale of other real estate and repossessions 3,456us-gaap_ProceedsFromSaleOfOtherRealEstate 5,797us-gaap_ProceedsFromSaleOfOtherRealEstate 5,434us-gaap_ProceedsFromSaleOfOtherRealEstate
Net cash (used) provided by investing activities (11,898)us-gaap_NetCashProvidedByUsedInInvestingActivities (19,234)us-gaap_NetCashProvidedByUsedInInvestingActivities 64,797us-gaap_NetCashProvidedByUsedInInvestingActivities
Cash flows from financing activities:      
Net change in deposits 15,339us-gaap_IncreaseDecreaseInDeposits 17,836us-gaap_IncreaseDecreaseInDeposits (45,586)us-gaap_IncreaseDecreaseInDeposits
Net change in securities sold under agreement to repurchase 3,034us-gaap_ProceedsFromPaymentsForInSecuritiesSoldUnderAgreementsToRepurchase 10,818us-gaap_ProceedsFromPaymentsForInSecuritiesSoldUnderAgreementsToRepurchase (5,022)us-gaap_ProceedsFromPaymentsForInSecuritiesSoldUnderAgreementsToRepurchase
Proceeds from FHLB borrowings 0us-gaap_ProceedsFromFederalHomeLoanBankBorrowings 15,001us-gaap_ProceedsFromFederalHomeLoanBankBorrowings 25,400us-gaap_ProceedsFromFederalHomeLoanBankBorrowings
Repayments of FHLB borrowings (15,000)us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings (20,001)us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings (25,400)us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings
Proceeds from FRB borrowings 1PEBK_ProceedsFromFrbBorrowings 1PEBK_ProceedsFromFrbBorrowings 2PEBK_ProceedsFromFrbBorrowings
Repayments of FRB borrowings (1)PEBK_RepaymentsOfFrbBorrowings (1)PEBK_RepaymentsOfFrbBorrowings (2)PEBK_RepaymentsOfFrbBorrowings
Preferred stock and warrant repurchase (12,524)PEBK_WarrantRepurchases 0PEBK_WarrantRepurchases (12,122)PEBK_WarrantRepurchases
Stock options exercised 37us-gaap_ProceedsFromStockOptionsExercised 0us-gaap_ProceedsFromStockOptionsExercised 539us-gaap_ProceedsFromStockOptionsExercised
Common stock repurchased (82)us-gaap_StockRepurchasedDuringPeriodValue 0us-gaap_StockRepurchasedDuringPeriodValue 0us-gaap_StockRepurchasedDuringPeriodValue
Cash dividends paid on Series A preferred stock 0us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock (734)us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock (1,023)us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock
Cash dividends paid on common stock (1,022)us-gaap_PaymentsOfDividendsCommonStock (677)us-gaap_PaymentsOfDividendsCommonStock (1,003)us-gaap_PaymentsOfDividendsCommonStock
Net cash (used) provided by financing activities (10,218)us-gaap_NetCashProvidedByUsedInFinancingActivities 22,243us-gaap_NetCashProvidedByUsedInFinancingActivities (64,217)us-gaap_NetCashProvidedByUsedInFinancingActivities
Net change in cash and cash equivalents (7,675)us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease 27,930us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease 19,607us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease
Cash and cash equivalents at beginning of period 76,773us-gaap_CashAndCashEquivalentsAtCarryingValue 48,843us-gaap_CashAndCashEquivalentsAtCarryingValue 29,236us-gaap_CashAndCashEquivalentsAtCarryingValue
Cash and cash equivalents at end of period 69,098us-gaap_CashAndCashEquivalentsAtCarryingValue 76,773us-gaap_CashAndCashEquivalentsAtCarryingValue 48,843us-gaap_CashAndCashEquivalentsAtCarryingValue
Cash paid during the year for:      
Interest 4,388us-gaap_InterestPaid 5,452us-gaap_InterestPaid 7,822us-gaap_InterestPaid
Income taxes 1,939us-gaap_IncomeTaxesPaidNet 2,256us-gaap_IncomeTaxesPaidNet 2,013us-gaap_IncomeTaxesPaidNet
Noncash investing and financing activities:      
Change in unrealized (loss) gain on investment securities available for sale, net 6,625us-gaap_AvailableForSaleSecuritiesChangeInNetUnrealizedHoldingGainLoss (6,784)us-gaap_AvailableForSaleSecuritiesChangeInNetUnrealizedHoldingGainLoss 2,536us-gaap_AvailableForSaleSecuritiesChangeInNetUnrealizedHoldingGainLoss
Transfer of loans to other real estate and repossessions 4,415us-gaap_TransferOfOtherRealEstate 2,353us-gaap_TransferOfOtherRealEstate 6,323us-gaap_TransferOfOtherRealEstate
Financed portion of sale of other real estate 374us-gaap_MortgageLoanRelatedToPropertySales1 708us-gaap_MortgageLoanRelatedToPropertySales1 1,076us-gaap_MortgageLoanRelatedToPropertySales1
Accretion of Series A preferred stock 0us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments 0us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments 70us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments
Discount on preferred stock repurchased 0PEBK_DiscountOnPreferredStockRepurchased 0PEBK_DiscountOnPreferredStockRepurchased 835PEBK_DiscountOnPreferredStockRepurchased
Accrued redemption of Series A Preferred Stock $ 0PEBK_AccruedRedemptionOfSeriesPreferredStock $ 12,632PEBK_AccruedRedemptionOfSeriesPreferredStock $ 0PEBK_AccruedRedemptionOfSeriesPreferredStock
XML 69 R3.htm IDEA: XBRL DOCUMENT v2.4.1.9
Consolidated Balance Sheets (Parenthetical) (USD $)
In Thousands, except Share data, unless otherwise specified
Dec. 31, 2014
Dec. 31, 2013
Assets    
Cash and due from banks, reserve requirements $ 12,569PEBK_CashReservesRequirements $ 11,472PEBK_CashReservesRequirements
Shareholders' equity:    
Series A preferred stock, stated value (in dollars per share) $ 1,000us-gaap_PreferredStockParOrStatedValuePerShare $ 1,000us-gaap_PreferredStockParOrStatedValuePerShare
Series A preferred stock, shares authorized (in shares) 5,000,000us-gaap_PreferredStockSharesAuthorized 5,000,000us-gaap_PreferredStockSharesAuthorized
Series A preferred stock, shares issued (in shares) 0us-gaap_PreferredStockSharesIssued 0us-gaap_PreferredStockSharesIssued
Series A preferred stock, shares outstanding (in shares) 0us-gaap_PreferredStockSharesOutstanding 0us-gaap_PreferredStockSharesOutstanding
Common stock, par value (in dollars per share) $ 0.00us-gaap_CommonStockNoParValue $ 0.00us-gaap_CommonStockNoParValue
Common stock, shares authorized (in shares) 20,000,000us-gaap_CommonStockSharesAuthorized 20,000,000us-gaap_CommonStockSharesAuthorized
Common stock, shares issued (in shares) 5,612,588us-gaap_CommonStockSharesIssued 5,613,495us-gaap_CommonStockSharesIssued
Common stock, shares outstanding (in shares) 5,612,588us-gaap_CommonStockSharesOutstanding 5,613,495us-gaap_CommonStockSharesOutstanding
XML 70 R17.htm IDEA: XBRL DOCUMENT v2.4.1.9
10. Commitments and Contingencies
 12 Months Ended
Dec. 31, 2014
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, 2014 are as follows:

 

(Dollars in thousands)  
   
Year ending December 31,  
2015   600
2016   603
2017   537
2018   501
2019   490
Thereafter   1,854
Total minimum obligation $ 4,585

  

Total rent expense was approximately $691,000, $672,000 and $643,000 for the years ended December 31, 2014, 2013 and 2012, 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
  2014   2013
Financial instruments whose contract amount represent credit risk:      
       
Commitments to extend credit $ 168,733   146,243
         
Standby letters of credit and financial guarantees written $ 3,911   4,361

 

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 $172.6 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 $54.5 million available for the purchase of overnight federal funds from five correspondent financial institutions as of December 31, 2014.

 
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Document and Entity Information (USD $)
 12 Months Ended
Dec. 31, 2014
Feb. 28, 2015
Jun. 30, 2014
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, 2014    
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     $ 68,996,228dei_EntityPublicFloat
Entity Common Stock, Shares Outstanding   5,612,588dei_EntityCommonStockSharesOutstanding  
Document Fiscal Period Focus FY    
Document Fiscal Year Focus 2014    
XML 73 R18.htm IDEA: XBRL DOCUMENT v2.4.1.9
11. Employee and Director Benefit Programs
 12 Months Ended
Dec. 31, 2014
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 3.50% of annual compensation in 2012 and 4.00% of annual compensation in 2013 and 2014.  The Company’s contribution pursuant to this formula was approximately $439,000, $430,000 and $345,000 for the years 2014, 2013 and 2012, 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. Prior to January 1, 2015, the vesting schedule for the 401(k) plan began at 20 percent after two years of employment and graduated 20 percent each year until reaching 100 percent after six years of employment.  Effective January 1, 2015, contributions to the 401(k) plan are vested immediately.

 

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 $422,000, $395,000 and $546,000 for the years 2014, 2013 and 2012, 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 for the year ended December 31, 2012.   The Company did not incur any postretirement medical benefits expense in 2014 and 2013 due to an excess accrual balance.

 

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)        
  2014   2013  
         
Benefit obligation at beginning of period $ 3,581   3,382  
Service cost   348   336  
Interest cost   67   65  
Benefits paid   (184 ) (142 )
Reversal of excess accrual   -   (60 )
           
Benefit obligation at end of period $ 3,812   3,581  

 

The amounts recognized in the Company’s Consolidated Balance Sheet as of December 31, 2014 and 2013 are shown in the following two tables:

 

(Dollars in thousands)      
  2014   2013
       
Benefit obligation $ 3,812   3,581
Fair value of plan assets   -     -  

 

(Dollars in thousands)        
  2014   2013  
         
Funded status $ (3,812 ) (3,581 )
Unrecognized prior service cost/benefit   -     -    
Unrecognized net actuarial loss   -     -    
           
Net amount recognized $ (3,812 ) (3,581 )
           
Unfunded accrued liability $ (3,812 ) (3,581 )
Intangible assets   -     -    
           
Net amount recognized $ (3,812 ) (3,581 )

 

Net periodic benefit cost of the Company’s postretirement benefit plans for the years ended December 31, 2014, 2013 and 2012 consisted of the following:

 

(Dollars in thousands)          
  2014   2013       2012
           
Service cost $ 348   336   430 
Interest cost   67   65   89
             
Net periodic cost $ 415   401   519
             
Weighted average discount rate assumption used to            
determine benefit obligation   5.47%   5.46%   5.43%

 

The Company paid benefits under the two postretirement plans totaling $184,000 and $142,000 during the years ended December 31, 2014 and 2013, 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,  
2015 $ 232
2016 $ 244
2017 $ 262
2018 $ 275
2019 $ 310
Thereafter $ 8,345
     

 
XML 74 R4.htm IDEA: XBRL DOCUMENT v2.4.1.9
Consolidated Statements of Earnings (USD $)
In Thousands, except Per Share data, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Interest income:      
Interest and fees on loans $ 30,305us-gaap_InterestAndFeeIncomeLoansAndLeases $ 30,194us-gaap_InterestAndFeeIncomeLoansAndLeases $ 32,758us-gaap_InterestAndFeeIncomeLoansAndLeases
Interest on due from banks 65us-gaap_InterestIncomeDepositsWithFinancialInstitutions 85us-gaap_InterestIncomeDepositsWithFinancialInstitutions 51us-gaap_InterestIncomeDepositsWithFinancialInstitutions
Interest on investment securities:      
U.S. Government sponsored enterprises 2,995us-gaap_InterestIncomeSecuritiesUSTreasuryAndOtherUSGovernment 1,639us-gaap_InterestIncomeSecuritiesUSTreasuryAndOtherUSGovernment 2,746us-gaap_InterestIncomeSecuritiesUSTreasuryAndOtherUSGovernment
States and political subdivisions 4,677us-gaap_InterestIncomeSecuritiesStateAndMunicipal 4,427us-gaap_InterestIncomeSecuritiesStateAndMunicipal 3,403us-gaap_InterestIncomeSecuritiesStateAndMunicipal
Other 378us-gaap_OtherInterestAndDividendIncome 351us-gaap_OtherInterestAndDividendIncome 287us-gaap_OtherInterestAndDividendIncome
Total interest income 38,420us-gaap_InterestAndDividendIncomeOperating 36,696us-gaap_InterestAndDividendIncomeOperating 39,245us-gaap_InterestAndDividendIncomeOperating
Interest expense:      
NOW, MMDA & savings deposits 499us-gaap_InterestExpenseNOWAccountsMoneyMarketAccountsAndSavingsDeposits 732us-gaap_InterestExpenseNOWAccountsMoneyMarketAccountsAndSavingsDeposits 1,180us-gaap_InterestExpenseNOWAccountsMoneyMarketAccountsAndSavingsDeposits
Time deposits 1,188us-gaap_InterestExpenseTimeDeposits 1,650us-gaap_InterestExpenseTimeDeposits 3,205us-gaap_InterestExpenseTimeDeposits
FHLB borrowings 2,166us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm 2,518us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm 2,744us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm
Junior subordinated debentures 389us-gaap_InterestExpenseJuniorSubordinatedDebentures 398us-gaap_InterestExpenseJuniorSubordinatedDebentures 438us-gaap_InterestExpenseJuniorSubordinatedDebentures
Other 45us-gaap_InterestExpenseOther 55us-gaap_InterestExpenseOther 129us-gaap_InterestExpenseOther
Total interest expense 4,287us-gaap_InterestExpense 5,353us-gaap_InterestExpense 7,696us-gaap_InterestExpense
Net interest income 34,133us-gaap_InterestIncomeExpenseNet 31,343us-gaap_InterestIncomeExpenseNet 31,549us-gaap_InterestIncomeExpenseNet
(Reduction of) provision for loan losses (699)us-gaap_ProvisionForLoanAndLeaseLosses 2,584us-gaap_ProvisionForLoanAndLeaseLosses 4,924us-gaap_ProvisionForLoanAndLeaseLosses
Net interest income after provision for loan losses 34,832us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss 28,759us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss 26,625us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss
Non-interest income:      
Service charges 4,961us-gaap_FeesAndCommissionsDepositorAccounts 4,566us-gaap_FeesAndCommissionsDepositorAccounts 4,764us-gaap_FeesAndCommissionsDepositorAccounts
Other service charges and fees 1,080us-gaap_FeesAndCommissionsOther 1,172us-gaap_FeesAndCommissionsOther 1,940us-gaap_FeesAndCommissionsOther
Gain on sale of securities 266us-gaap_GainLossOnSaleOfSecuritiesNet 614us-gaap_GainLossOnSaleOfSecuritiesNet 1,218us-gaap_GainLossOnSaleOfSecuritiesNet
Mortgage banking income 804us-gaap_FeesAndCommissionsMortgageBanking 1,228us-gaap_FeesAndCommissionsMortgageBanking 1,229us-gaap_FeesAndCommissionsMortgageBanking
Insurance and brokerage commissions 701us-gaap_InsuranceCommissionsAndFees 661us-gaap_InsuranceCommissionsAndFees 517us-gaap_InsuranceCommissionsAndFees
Loss on sales and write-downs of other real estate (622)PEBK_GainLossOnSaleAndWrite-DownOfOtherRealEstateAndRepossessedAssets (581)PEBK_GainLossOnSaleAndWrite-DownOfOtherRealEstateAndRepossessedAssets (1,136)PEBK_GainLossOnSaleAndWrite-DownOfOtherRealEstateAndRepossessedAssets
Miscellaneous 4,974us-gaap_NoninterestIncomeOtherOperatingIncome 4,992us-gaap_NoninterestIncomeOtherOperatingIncome 4,005us-gaap_NoninterestIncomeOtherOperatingIncome
Total non-interest income 12,164us-gaap_NoninterestIncome 12,652us-gaap_NoninterestIncome 12,537us-gaap_NoninterestIncome
Non-interest expense:      
Salaries and employee benefits 17,530us-gaap_LaborAndRelatedExpense 16,851us-gaap_LaborAndRelatedExpense 16,426us-gaap_LaborAndRelatedExpense
Occupancy 6,251us-gaap_OccupancyNet 5,539us-gaap_OccupancyNet 5,236us-gaap_OccupancyNet
Other 11,890us-gaap_OtherNoninterestExpense 10,451us-gaap_OtherNoninterestExpense 10,120us-gaap_OtherNoninterestExpense
Total non-interest expense 35,671us-gaap_NoninterestExpense 32,841us-gaap_NoninterestExpense 31,782us-gaap_NoninterestExpense
Earnings before income taxes 11,325us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments 8,570us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments 7,380us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments
Income tax expense 1,937us-gaap_IncomeTaxExpenseBenefit 1,879us-gaap_IncomeTaxExpenseBenefit 1,587us-gaap_IncomeTaxExpenseBenefit
Net earnings 9,388us-gaap_NetIncomeLoss 6,691us-gaap_NetIncomeLoss 5,793us-gaap_NetIncomeLoss
Dividends and accretion of preferred stock 0us-gaap_PreferredStockDividendsAndOtherAdjustments 656us-gaap_PreferredStockDividendsAndOtherAdjustments 1,010us-gaap_PreferredStockDividendsAndOtherAdjustments
Net earnings available to common shareholders $ 9,388us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic $ 6,035us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic $ 4,783us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic
Basic net earnings per common share $ 1.67us-gaap_EarningsPerShareBasic $ 1.08us-gaap_EarningsPerShareBasic $ 0.86us-gaap_EarningsPerShareBasic
Diluted net earnings per common share $ 1.66us-gaap_EarningsPerShareDiluted $ 1.07us-gaap_EarningsPerShareDiluted $ 0.86us-gaap_EarningsPerShareDiluted
Cash dividends declared per common share $ 0.18us-gaap_CommonStockDividendsPerShareDeclared $ 0.12us-gaap_CommonStockDividendsPerShareDeclared $ 0.18us-gaap_CommonStockDividendsPerShareDeclared
XML 75 R12.htm IDEA: XBRL DOCUMENT v2.4.1.9
5. Time Deposits
 12 Months Ended
Dec. 31, 2014
Banking and Thrift [Abstract]  
Time Deposits

At December 31, 2014, the scheduled maturities of time deposits are as follows:

 

(Dollars in thousands)  
   
2015 $ 131,001
2016   37,065
2017   17,029
2018   8,336
2019 and thereafter   3,007
     
Total $ 196,438

 

 

At December 31, 2014 and 2013, the Company had approximately $11.4 million and $15.1 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 $11.0 million and $15.1 million as of December 31, 2014 and 2013, respectively.  The weighted average rate of brokered deposits as of December 31, 2014 and 2013 was 0.13% and 0.14%, respectively.

 
XML 76 R11.htm IDEA: XBRL DOCUMENT v2.4.1.9
4. Premises and Equipment
 12 Months Ended
Dec. 31, 2014
Property, Plant and Equipment [Abstract]  
Premises and Equipment

Major classifications of premises and equipment at December 31, 2014 and 2013 are summarized as follows:

 

(Dollars in thousands)      
  2014   2013
       
Land $ 3,681   3,667
Buildings and improvements   15,864   15,126
Furniture and equipment   18,442   16,239
         
Total premises and equipment   37,987   35,032
         
Less accumulated depreciation   20,987   18,674
         
Total net premises and equipment $ 17,000   16,358

 

The Company recognized approximately $2.5 million in depreciation expense for the year ended December 31, 2014.  Depreciation expense was approximately $1.9 million for the years ended December 31, 2013 and 2012.

 
XML 77 R23.htm IDEA: XBRL DOCUMENT v2.4.1.9
16. Peoples Bancorp of North Carolina, Inc. (Parent Company Only) Condensed Financial Statements
 12 Months Ended
Dec. 31, 2014
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, 2014 and 2013
(Dollars in thousands)
       
Assets 2014   2013
       
Cash $ 745   12,879
Interest-bearing time deposit   1,000   -  
Investment in subsidiaries   116,076   102,113
Investment securities available for sale   1,235   1,721
Other assets   245   273
         
Total assets $ 119,301   116,986
         
Liabilities and Shareholders' Equity        
         
Junior subordinated debentures $ 20,619   20,619
Liabilities   17   12,648
Shareholders' equity   98,665   83,719
         
Total liabilities and shareholders' equity $ 119,301   116,986

 

Statements of Earnings
             
For the Years Ended December 31, 2014, 2013 and 2012
(Dollars in thousands)
             
Revenues: 2014   2013   2012  
             
Interest and dividend income $ 2,718   13,576   113  
               
 Total revenues   2,718   13,576   113  
               
Expenses:              
               
Interest   389   398   438  
Other operating expenses   527   159   476  
               
Total expenses   916   557   914  
               
Income/(Loss) before income tax benefit and equity in              
undistributed earnings of subsidiaries   1,802   13,019   (801 )
               
Income tax benefit   239   84   166  
               
Income/(Loss) before equity in undistributed              
earnings of subsidiaries   2,041   13,103   (635 )
               
Equity in undistributed earnings (loss) of subsidiaries   7,347   (6,412 ) 6,428  
               
Net earnings $ 9,388   6,691   5,793  

  

Statements of Cash Flows
             
For the Years Ended December 31, 2014, 2013 and 2012
(Dollars in thousands)
             
  2014   2013   2012  
Cash flows from operating activities:            
             
Net earnings $ 9,388   6,691   5,793  
Adjustments to reconcile net earnings to net              
cash used by operating activities:              
Equity in undistributed earnings of subsidiaries   (7,347 ) 6,412   (6,428 )
Impairment of investment securities   -     -     -    
Change in:              
Other assets   28   (73 ) -    
Accrued income   (5 ) -     11  
Accrued expense   1   27   41  
Other liabilities   (108 ) 108   -    
               
Net cash provided (used) by operating activities   1,957   13,165   (583 )
               
Cash flows from investing activities:              
               
    Proceeds from maturities of investment securities available for sale   500   1   -  
Net change in interest-bearing time deposit   (1,000 ) 800   14,200  
               
Net cash provided by investing activities   (500 )  801   14,200  
               
Cash flows from financing activities:              
               
Cash dividends paid on Series A preferred stock   -     (734 ) (1,023 )
Cash dividends paid on common stock   (1,022 ) (677 ) (1,003 )
Preferred stock and warrant repurchase   (12,524 ) -     (12,122 )
Stock repurchase   (82 ) -     -    
   Proceeds from exercise of stock options   37   -     539  
               
Net cash used by financing activities   (13,591 ) (1,411 ) (13,609 )
               
Net change in cash   (12,134 ) 12,555   8  
               
Cash at beginning of year   12,879   324   316  
               
Cash at end of year $ 745   12,879   324  
               
Noncash investing and financing activities:              
Change in unrealized gain on investment securities              
 available for sale, net $ 8   77   (46 )
    Accrued redemption of Series A Preferred Stock   -      12,632   -     

 
XML 78 R19.htm IDEA: XBRL DOCUMENT v2.4.1.9
12. Regulatory Matters
 12 Months Ended
Dec. 31, 2014
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, 2014, that the Company and the Bank meet all capital adequacy requirements to which they are subject.

 

As of December 31, 2014, 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 are 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, 2014:                      
                       
Total Capital (to Risk-Weighted Assets)                      
Consolidated $ 122,732   16.62%   59,085   8.00%   N/A   N/A
Bank $ 118,356   16.06%   58,974   8.00%   73,717   10.00%
Tier 1 Capital (to Risk-Weighted Assets)                        
    Consolidated $ 113,211   15.33%   29,542   4.00%   N/A   N/A
Bank $ 108,934   14.78%   29,487   4.00%   44,230   6.00%
Tier 1 Capital (to Average Assets)                        
Consolidated $ 113,211   10.74%   42,181   4.00%   N/A   N/A
Bank $ 108,934   10.33%   42,164   4.00%   52,706   5.00%
                         
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%

 
XML 79 R15.htm IDEA: XBRL DOCUMENT v2.4.1.9
8. Income Taxes
 12 Months Ended
Dec. 31, 2014
Income Tax Disclosure [Abstract]  
Income Taxes

The provision for income taxes is summarized as follows:

 

(Dollars in thousands)            
  2014   2013   2012  
Current $ 1,759   1,345   1,800  
Deferred   178   534   (213 )
Total $ 1,937   1,879   1,587  

 

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)            
  2014   2013   2012  
Pre-tax income at statutory rate (34%) $ 3,851   2,914   2,509  
Differences:              
Tax exempt interest income   (1,630 ) (1,481 ) (1,168 )
    Nondeductible interest and other expense   119   141   52  
Cash surrender value of life insurance   (143 ) (147 ) (149 )
State taxes, net of federal benefits   (283 ) 428   324  
Other, net   23   24   19  
Total $ 1,937   1,879   1,587  


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, 2014 and 2014.

 

(Dollars in thousands)      
  2014   2013
Deferred tax assets:      
Allowance for loan losses $ 4,134   5,205
   Accrued retirement expense   1,529   1,489
   Other real estate   206   218
Federal credit carryforward   342   79
    State credit carryforward   734   -  
    Other   176   334
Unrealized loss on available for sale securities   -   747
Total gross deferred tax assets   7,121   8,072
         
Deferred tax liabilities:        
Deferred loan fees   433   581
Premises and equipment   652   530
Unrealized gain on available for sale securities   3,479   -  
Total gross deferred tax liabilities   4,564   1,111
Net deferred tax asset $ 2,557   6,961

 
XML 80 R60.htm IDEA: XBRL DOCUMENT v2.4.1.9
5. Time Deposits (Details Narrative) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2014
Dec. 31, 2013
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 $ 11,400PEBK_TimeDepositsPurchasedThroughThirdPartyBrokersIncludingCertificatesOfDepositParticipatedThroughCertificateOfDepositAccountRegistryServiceOnBehalfOfLocalCustomers $ 15,100PEBK_TimeDepositsPurchasedThroughThirdPartyBrokersIncludingCertificatesOfDepositParticipatedThroughCertificateOfDepositAccountRegistryServiceOnBehalfOfLocalCustomers
CDARS balances $ 11,000us-gaap_CertificatesOfDepositAtCarryingValue $ 15,100us-gaap_CertificatesOfDepositAtCarryingValue
Weighted average rate of brokered deposits 0.13%us-gaap_WeightedAverageRateDomesticDepositBrokered 0.14%us-gaap_WeightedAverageRateDomesticDepositBrokered
XML 81 R13.htm IDEA: XBRL DOCUMENT v2.4.1.9
6. Federal Home Loan Bank and Federal Reserve Bank Borrowings
 12 Months Ended
Dec. 31, 2014
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, 2014.  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, 2014, the carrying value of loans pledged as collateral totaled approximately $126.0 million.

 

Borrowings from the FHLB outstanding at December 31, 2014 and 2013 consist of the following:

 

December 31, 2014        
(Dollars in thousands)        
         
Maturity Date Call Date Rate Rate Type Amount
October 17, 2018 N/A 3.398% Adjustable Rate Hybrid   5,000
           
October 17, 2018 N/A 3.638% Adjustable Rate Hybrid   15,000
           
October 17, 2018 N/A 3.413% Adjustable Rate Hybrid   5,000
           
October 17, 2018 N/A 3.468% Adjustable Rate Hybrid   5,000
           
May 8, 2018 N/A 1.792% Floating to Fixed   5,000
           
May 8, 2018 N/A 3.432% Floating to Fixed   15,000
           
        $ 50,000

  

December 31, 2013        
(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 $3.2 million and $4.1 million of FHLB stock, included in other investments, at December 31, 2014 and 2013, respectively.

 

As of December 31, 2014 and 2013, 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, 2014, the carrying value of loans pledged as collateral totaled approximately $340.5 million.

 
XML 82 R14.htm IDEA: XBRL DOCUMENT v2.4.1.9
7. Junior Subordinated Debentures
 12 Months Ended
Dec. 31, 2014
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 83 R16.htm IDEA: XBRL DOCUMENT v2.4.1.9
9. Related Party Transactions
 12 Months Ended
Dec. 31, 2014
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 2014:

 

(Dollars in thousands)    
     
Beginning balance $ 4,340  
New loans   6,903  
Repayments   (6,483 )
       
Ending balance $ 4,760  

 

At December 31, 2014 and 2013, the Bank had deposit relationships with related parties of approximately $15.1 million and $17.6 million, respectively.

 
XML 84 R64.htm IDEA: XBRL DOCUMENT v2.4.1.9
8. Income Taxes (Details 2) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2014
Dec. 31, 2013
Deferred tax assets:    
Allowance for loan losses $ 4,134us-gaap_DeferredTaxAssetsValuationAllowance $ 5,205us-gaap_DeferredTaxAssetsValuationAllowance
Accrued retirement expense 1,529us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAssetRetirementObligations 1,489us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAssetRetirementObligations
Other real estate 206us-gaap_DeferredTaxAssetsInvestments 218us-gaap_DeferredTaxAssetsInvestments
Federal credit carryforward 342PEBK_FederalCreditCarryforward 79PEBK_FederalCreditCarryforward
State credit carryforward 734us-gaap_DeferredTaxAssetsOperatingLossCarryforwardsStateAndLocal 0us-gaap_DeferredTaxAssetsOperatingLossCarryforwardsStateAndLocal
Other 176us-gaap_DeferredTaxAssetsOther 334us-gaap_DeferredTaxAssetsOther
Unrealized loss on available for sale securities 0us-gaap_DeferredTaxAssetsUnrealizedLossesOnAvailableforSaleSecuritiesGross 747us-gaap_DeferredTaxAssetsUnrealizedLossesOnAvailableforSaleSecuritiesGross
Total gross deferred tax assets 7,121us-gaap_DeferredTaxAssetsGross 8,072us-gaap_DeferredTaxAssetsGross
Deferred tax liabilities:    
Deferred loan fees 433us-gaap_DeferredTaxLiabilitiesTaxDeferredIncome 581us-gaap_DeferredTaxLiabilitiesTaxDeferredIncome
Premises and equipment 652us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment 530us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment
Unrealized gain on available for sale securities 3,479us-gaap_DeferredTaxLiabilitiesUnrealizedGainsOnTradingSecurities 0us-gaap_DeferredTaxLiabilitiesUnrealizedGainsOnTradingSecurities
Total gross deferred tax liabilities 4,564us-gaap_DeferredIncomeTaxLiabilities 1,111us-gaap_DeferredIncomeTaxLiabilities
Net deferred tax asset $ 2,557us-gaap_DeferredTaxAssetsLiabilitiesNet $ 6,961us-gaap_DeferredTaxAssetsLiabilitiesNet
XML 85 R66.htm IDEA: XBRL DOCUMENT v2.4.1.9
9. Related Party Transactions (Details Narrative) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2014
Dec. 31, 2013
Related Party Transactions Details Narrative    
Related party deposits $ 15,100us-gaap_RelatedPartyDepositLiabilities $ 17,600us-gaap_RelatedPartyDepositLiabilities
XML 86 R63.htm IDEA: XBRL DOCUMENT v2.4.1.9
8. Income Taxes (Details 1) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Income Taxes Details 1      
Pre-tax income at statutory rate (34%) $ 3,851us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate $ 2,914us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate $ 2,509us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate
Differences:      
Tax exempt interest income (1,630)us-gaap_IncomeTaxReconciliationTaxExemptIncome (1,481)us-gaap_IncomeTaxReconciliationTaxExemptIncome (1,168)us-gaap_IncomeTaxReconciliationTaxExemptIncome
Nondeductible interest and other expense 119us-gaap_IncomeTaxReconciliationNondeductibleExpenseOther 141us-gaap_IncomeTaxReconciliationNondeductibleExpenseOther 52us-gaap_IncomeTaxReconciliationNondeductibleExpenseOther
Cash surrender value of life insurance (143)us-gaap_IncomeTaxReconciliationNondeductibleExpenseLifeInsurance (147)us-gaap_IncomeTaxReconciliationNondeductibleExpenseLifeInsurance (149)us-gaap_IncomeTaxReconciliationNondeductibleExpenseLifeInsurance
State taxes, net of federal benefits (283)us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes 428us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes 324us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes
Other, net 23us-gaap_IncomeTaxReconciliationOtherAdjustments 24us-gaap_IncomeTaxReconciliationOtherAdjustments 19us-gaap_IncomeTaxReconciliationOtherAdjustments
Total $ 1,937us-gaap_IncomeTaxExpenseBenefit $ 1,879us-gaap_IncomeTaxExpenseBenefit $ 1,587us-gaap_IncomeTaxExpenseBenefit
XML 87 R34.htm IDEA: XBRL DOCUMENT v2.4.1.9
11. Employee and Director Benefit Programs (Tables)
 12 Months Ended
Dec. 31, 2014
Compensation and Retirement Disclosure [Abstract]  
Change in accumulated benefit obligation
(Dollars in thousands)        
  2014   2013  
         
Benefit obligation at beginning of period $ 3,581   3,382  
Service cost   348   336  
Interest cost   67   65  
Benefits paid   (184 ) (142 )
Reversal of excess accrual   -   (60 )
           
Benefit obligation at end of period $ 3,812   3,581  

 

 
Amounts recognized in the Consolidated Balance Sheet
(Dollars in thousands)      
  2014   2013
       
Benefit obligation $ 3,812   3,581
Fair value of plan assets   -     -  

 

 

 

(Dollars in thousands)        
  2014   2013  
         
Funded status $ (3,812 ) (3,581 )
Unrecognized prior service cost/benefit   -     -    
Unrecognized net actuarial loss   -     -    
           
Net amount recognized $ (3,812 ) (3,581 )
           
Unfunded accrued liability $ (3,812 ) (3,581 )
Intangible assets   -     -    
           
Net amount recognized $ (3,812 ) (3,581 )

 

 
Schedule of Net Benefit Costs

 

(Dollars in thousands)          
  2014   2013       2012
           
Service cost $ 348   336   430 
Interest cost   67   65   89
             
Net periodic cost $ 415   401   519
             
Weighted average discount rate assumption used to            
determine benefit obligation   5.47%   5.46%   5.43%

 

 

 
Schedule of Expected Benefit Payments
(Dollars in thousands)   
    
Year ending December 31,   
 2015   $232 
 2016   $244 
 2017   $262 
 2018   $275 
 2019   $310 
 Thereafter   $8,345 
        

 

 
XML 88 R51.htm IDEA: XBRL DOCUMENT v2.4.1.9
3. Loans, Impaired (Details) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Impaired loans    
Unpaid Contractual Principal Balance $ 38,840us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance $ 46,305us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance
Recorded Investment With No Allowance 6,057us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment 11,287us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment
Recorded Investment With Allowance 30,234us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment 30,168us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment
Recorded Investment in Impaired Loans 36,291us-gaap_ImpairedFinancingReceivableRecordedInvestment 41,455us-gaap_ImpairedFinancingReceivableRecordedInvestment
Related Allowance 1,658us-gaap_ImpairedFinancingReceivableRelatedAllowance 1,675us-gaap_ImpairedFinancingReceivableRelatedAllowance
Average Outstanding Impaired Loans 38,145us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment 42,818us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment
Construction and land development    
Impaired loans    
Unpaid Contractual Principal Balance 5,481us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ConstructionAndLandDevelopmentMember		 9,861us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ConstructionAndLandDevelopmentMember
Recorded Investment With No Allowance 3,639us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ConstructionAndLandDevelopmentMember		 6,293us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ConstructionAndLandDevelopmentMember
Recorded Investment With Allowance 555us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ConstructionAndLandDevelopmentMember		 868us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ConstructionAndLandDevelopmentMember
Recorded Investment in Impaired Loans 4,194us-gaap_ImpairedFinancingReceivableRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ConstructionAndLandDevelopmentMember		 7,161us-gaap_ImpairedFinancingReceivableRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ConstructionAndLandDevelopmentMember
Related Allowance 31us-gaap_ImpairedFinancingReceivableRelatedAllowance
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ConstructionAndLandDevelopmentMember		 53us-gaap_ImpairedFinancingReceivableRelatedAllowance
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ConstructionAndLandDevelopmentMember
Average Outstanding Impaired Loans 5,248us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ConstructionAndLandDevelopmentMember		 8,289us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ConstructionAndLandDevelopmentMember
Single-family residential    
Impaired loans    
Unpaid Contractual Principal Balance 6,717us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_ResidentialRealEstateMember		 7,853us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_ResidentialRealEstateMember
Recorded Investment With No Allowance 933us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_ResidentialRealEstateMember		 1,428us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_ResidentialRealEstateMember
Recorded Investment With Allowance 5,540us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_ResidentialRealEstateMember		 5,633us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_ResidentialRealEstateMember
Recorded Investment in Impaired Loans 6,473us-gaap_ImpairedFinancingReceivableRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_ResidentialRealEstateMember		 7,061us-gaap_ImpairedFinancingReceivableRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_ResidentialRealEstateMember
Related Allowance 154us-gaap_ImpairedFinancingReceivableRelatedAllowance
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_ResidentialRealEstateMember		 123us-gaap_ImpairedFinancingReceivableRelatedAllowance
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_ResidentialRealEstateMember
Average Outstanding Impaired Loans 7,430us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_ResidentialRealEstateMember		 7,859us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_ResidentialRealEstateMember
Single-family residential - Banco de la Gente stated income    
Impaired loans    
Unpaid Contractual Principal Balance 21,243us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_BancoDeLaGenteMember		 22,034us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_BancoDeLaGenteMember
Recorded Investment With No Allowance 0us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_BancoDeLaGenteMember		 0us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_BancoDeLaGenteMember
Recorded Investment With Allowance 20,649us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_BancoDeLaGenteMember		 21,242us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_BancoDeLaGenteMember
Recorded Investment in Impaired Loans 20,649us-gaap_ImpairedFinancingReceivableRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_BancoDeLaGenteMember		 21,242us-gaap_ImpairedFinancingReceivableRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_BancoDeLaGenteMember
Related Allowance 1,191us-gaap_ImpairedFinancingReceivableRelatedAllowance
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_BancoDeLaGenteMember		 1,300us-gaap_ImpairedFinancingReceivableRelatedAllowance
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_BancoDeLaGenteMember
Average Outstanding Impaired Loans 19,964us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_BancoDeLaGenteMember		 21,242us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_BancoDeLaGenteMember
Commercial    
Impaired loans    
Unpaid Contractual Principal Balance 4,752us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_CommercialRealEstateMember		 5,079us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_CommercialRealEstateMember
Recorded Investment With No Allowance 1,485us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_CommercialRealEstateMember		 3,045us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_CommercialRealEstateMember
Recorded Investment With Allowance 2,866us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_CommercialRealEstateMember		 1,489us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_CommercialRealEstateMember
Recorded Investment in Impaired Loans 4,351us-gaap_ImpairedFinancingReceivableRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_CommercialRealEstateMember		 4,534us-gaap_ImpairedFinancingReceivableRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_CommercialRealEstateMember
Related Allowance 272us-gaap_ImpairedFinancingReceivableRelatedAllowance
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_CommercialRealEstateMember		 182us-gaap_ImpairedFinancingReceivableRelatedAllowance
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_CommercialRealEstateMember
Average Outstanding Impaired Loans 4,399us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_CommercialRealEstateMember		 4,171us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_CommercialRealEstateMember
Multifamily and Farmland    
Impaired loans    
Unpaid Contractual Principal Balance 111us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_MultifamilyAndFarmlandMember		 177us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_MultifamilyAndFarmlandMember
Recorded Investment With No Allowance 0us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_MultifamilyAndFarmlandMember		 0us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_MultifamilyAndFarmlandMember
Recorded Investment With Allowance 110us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_MultifamilyAndFarmlandMember		 177us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_MultifamilyAndFarmlandMember
Recorded Investment in Impaired Loans 110us-gaap_ImpairedFinancingReceivableRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_MultifamilyAndFarmlandMember		 177us-gaap_ImpairedFinancingReceivableRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_MultifamilyAndFarmlandMember
Related Allowance 1us-gaap_ImpairedFinancingReceivableRelatedAllowance
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_MultifamilyAndFarmlandMember		 1us-gaap_ImpairedFinancingReceivableRelatedAllowance
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_MultifamilyAndFarmlandMember
Average Outstanding Impaired Loans 154us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_MultifamilyAndFarmlandMember		 184us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_MultifamilyAndFarmlandMember
Total real estate loans    
Impaired loans    
Unpaid Contractual Principal Balance 38,304us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_RealEstateMember		 45,004us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_RealEstateMember
Recorded Investment With No Allowance 6,057us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_RealEstateMember		 10,766us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_RealEstateMember
Recorded Investment With Allowance 29,720us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_RealEstateMember		 29,409us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_RealEstateMember
Recorded Investment in Impaired Loans 35,777us-gaap_ImpairedFinancingReceivableRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_RealEstateMember		 40,175us-gaap_ImpairedFinancingReceivableRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_RealEstateMember
Related Allowance 1,649us-gaap_ImpairedFinancingReceivableRelatedAllowance
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_RealEstateMember		 1,659us-gaap_ImpairedFinancingReceivableRelatedAllowance
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_RealEstateMember
Average Outstanding Impaired Loans 37,195us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_RealEstateMember		 41,745us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_RealEstateMember
Commercial loans (not secured by real estate)    
Impaired loans    
Unpaid Contractual Principal Balance 218us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_CommercialLoanMember		 999us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_CommercialLoanMember
Recorded Investment With No Allowance 0us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_CommercialLoanMember		 257us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_CommercialLoanMember
Recorded Investment With Allowance 201us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_CommercialLoanMember		 724us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_CommercialLoanMember
Recorded Investment in Impaired Loans 201us-gaap_ImpairedFinancingReceivableRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_CommercialLoanMember		 981us-gaap_ImpairedFinancingReceivableRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_CommercialLoanMember
Related Allowance 4us-gaap_ImpairedFinancingReceivableRelatedAllowance
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_CommercialLoanMember		 15us-gaap_ImpairedFinancingReceivableRelatedAllowance
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_CommercialLoanMember
Average Outstanding Impaired Loans 641us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_CommercialLoanMember		 826us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_CommercialLoanMember
Consumer loans (not secured by real estate)    
Impaired loans    
Unpaid Contractual Principal Balance 318us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_ConsumerLoanMember		 302us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_ConsumerLoanMember
Recorded Investment With No Allowance 0us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_ConsumerLoanMember		 264us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_ConsumerLoanMember
Recorded Investment With Allowance 313us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_ConsumerLoanMember		 35us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_ConsumerLoanMember
Recorded Investment in Impaired Loans 313us-gaap_ImpairedFinancingReceivableRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_ConsumerLoanMember		 299us-gaap_ImpairedFinancingReceivableRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_ConsumerLoanMember
Related Allowance 5us-gaap_ImpairedFinancingReceivableRelatedAllowance
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_ConsumerLoanMember		 1us-gaap_ImpairedFinancingReceivableRelatedAllowance
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_ConsumerLoanMember
Average Outstanding Impaired Loans $ 309us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_ConsumerLoanMember		 $ 247us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_ConsumerLoanMember
XML 89 R21.htm IDEA: XBRL DOCUMENT v2.4.1.9
14. Other Operating Income and Expense
 12 Months Ended
Dec. 31, 2014
Other Income and Expenses [Abstract]  
Other Operating Income and Expense

Miscellaneous non-interest income for the years ended December 31, 2014, 2013 and 2012 included the following items that exceeded one percent of total revenues at some point during the following three-year period:

 

 

(Dollars in thousands)          
  2014   2013   2012
Visa debit card income $ 3,170   2,990   2,092
Net appraisal management fee income $ 525   718   737
Insurance and brokerage commissions $ 701   661   517

 

 

Other non-interest expense for the years ended December 31, 2014, 2013 and 2012 included the following items that exceeded one percent of total revenues at some point during the following three-year period:

 

(Dollars in thousands)          
  2014   2013   2012
Advertising $ 804   685   695
FDIC insurance $ 739   864   894
Visa debit card expense $ 905   823   729
Telephone $ 574   570   554
Foreclosure/OREO expense $ 317   356   677
Internet banking expense $ 644   568   593
FHLB advance prepayment penalty $ 869   530   -  
Consulting $ 609   468   499
NC Tax Credit Amortization $ 870   160   -  
XML 90 R26.htm IDEA: XBRL DOCUMENT v2.4.1.9
2. Investment Securities (Tables)
 12 Months Ended
Dec. 31, 2014
Investment Securities Tables  
Investment securities available for sale
(Dollars in thousands)              
  December 31, 2014
 

Amortized

Cost

  

Gross

Unrealized

Gains

  

Gross

Unrealized

Losses

  

Estimated

Fair Value

Mortgage-backed securities $ 88,496   1,766   52   90,210
U.S. Government                
sponsored enterprises   33,766   418   136   34,048
State and political subdivisions   145,938   6,534   226   152,246
Corporate bonds   2,469   16   18   2,467
Trust preferred securities   750   -     -     750
Equity securities   748   630   -     1,378
Total $ 272,167   9,364   432   281,099
                 
(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

 
Current fair value and associated unrealized losses on investments in debt securities with unrealized losses
(Dollars in thousands)                      
  December 31, 2014
  Less than 12 Months   12 Months or More   Total
  Fair Value  

Unrealized

Losses

   Fair Value  

Unrealized

Losses

   Fair Value  

Unrealized

Losses

Mortgage-backed securities $ 436   1   2,963   51   3,399   52
U.S. Government                        
sponsored enterprises   2,996   4   9,850   132   12,846   136
State and political subdivisions   567   1   14,998   225   15,565   226
Corporate bonds   -     -     525   18   525   18
Total $ 3,999   6   28,336   426   32,335   432
                         
(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

 
Amortized cost and estimated fair value of investment securities available for sale by contractual maturity
       
(Dollars in thousands)      
   Amortized
Cost		  Estimated
Fair Value
Due within one year  $4,308    4,323 
Due from one to five years   40,564    42,548 
Due from five to ten years   117,452    121,399 
Due after ten years   20,599    21,241 
Mortgage-backed securities   88,496    90,210 
Equity securities   748    1,378 
Total  $272,167    281,099 

 

 
Available for sale securities measured at fair value on a recurring basis
(Dollars in thousands)              
  December 31, 2014
 

Fair Value

Measurements

  

Level 1

Valuation

  

Level 2

Valuation

  

Level 3

Valuation

Mortgage-backed securities $ 90,210   -   90,210   -
U.S. Government                
sponsored enterprises $ 34,048   -   34,048   -
State and political subdivisions $ 152,246   -   152,246   -
Corporate bonds $ 2,467   -   2,467   -
Trust preferred securities $ 750   -   -   750
Equity securities $ 1,378   1,378   -   -
                 
                 
(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   -   -

 

 
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 and calls)   (500 )
Transfers in and/or (out) of Level 3   -  
Balance, end of period $ 750  
       
Change in unrealized gain/(loss) for assets still held in Level 3 $ -  

 

 
XML 91 R49.htm IDEA: XBRL DOCUMENT v2.4.1.9
3. Loans, Past Due (Details) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Past due loans      
Loans 30-89 Days Past Due $ 18,995PEBK_FinancingReceivableRecordedInvestment30To89DaysPastDue $ 20,192PEBK_FinancingReceivableRecordedInvestment30To89DaysPastDue  
Loans 90 or More Days Past Due 4,833us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue 9,451us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue  
Total Past Due Loans 23,828us-gaap_FinancingReceivableRecordedInvestmentPastDue 29,643us-gaap_FinancingReceivableRecordedInvestmentPastDue  
Total Current Loans 628,063us-gaap_FinancingReceivableRecordedInvestmentCurrent 591,317us-gaap_FinancingReceivableRecordedInvestmentCurrent  
Total loans 651,891us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome 620,960us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome 619,974us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
Accruing Loans 90 or More Days Past Due 0us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing 882us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing  
Construction and land development      
Past due loans      
Loans 30-89 Days Past Due 294PEBK_FinancingReceivableRecordedInvestment30To89DaysPastDue
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ConstructionAndLandDevelopmentMember		 3,416PEBK_FinancingReceivableRecordedInvestment30To89DaysPastDue
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ConstructionAndLandDevelopmentMember		  
Loans 90 or More Days Past Due 3,540us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ConstructionAndLandDevelopmentMember		 5,426us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ConstructionAndLandDevelopmentMember		  
Total Past Due Loans 3,834us-gaap_FinancingReceivableRecordedInvestmentPastDue
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ConstructionAndLandDevelopmentMember		 8,842us-gaap_FinancingReceivableRecordedInvestmentPastDue
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ConstructionAndLandDevelopmentMember		  
Total Current Loans 53,783us-gaap_FinancingReceivableRecordedInvestmentCurrent
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ConstructionAndLandDevelopmentMember		 54,900us-gaap_FinancingReceivableRecordedInvestmentCurrent
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ConstructionAndLandDevelopmentMember		  
Total loans 57,617us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ConstructionAndLandDevelopmentMember		 63,742us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ConstructionAndLandDevelopmentMember		  
Accruing Loans 90 or More Days Past Due 0us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ConstructionAndLandDevelopmentMember		 0us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_ConstructionAndLandDevelopmentMember		  
Single-family residential      
Past due loans      
Loans 30-89 Days Past Due 5,988PEBK_FinancingReceivableRecordedInvestment30To89DaysPastDue
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_ResidentialRealEstateMember		 4,518PEBK_FinancingReceivableRecordedInvestment30To89DaysPastDue
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_ResidentialRealEstateMember		  
Loans 90 or More Days Past Due 268us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_ResidentialRealEstateMember		 1,555us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_ResidentialRealEstateMember		  
Total Past Due Loans 6,256us-gaap_FinancingReceivableRecordedInvestmentPastDue
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_ResidentialRealEstateMember		 6,073us-gaap_FinancingReceivableRecordedInvestmentPastDue
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_ResidentialRealEstateMember		  
Total Current Loans 200,161us-gaap_FinancingReceivableRecordedInvestmentCurrent
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_ResidentialRealEstateMember		 189,902us-gaap_FinancingReceivableRecordedInvestmentCurrent
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_ResidentialRealEstateMember		  
Total loans 206,417us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_ResidentialRealEstateMember		 195,975us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_ResidentialRealEstateMember		  
Accruing Loans 90 or More Days Past Due 0us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_ResidentialRealEstateMember		 0us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_ResidentialRealEstateMember		  
Single-family residential - Banco de la Gente stated income      
Past due loans      
Loans 30-89 Days Past Due 8,998PEBK_FinancingReceivableRecordedInvestment30To89DaysPastDue
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_BancoDeLaGenteMember		 9,833PEBK_FinancingReceivableRecordedInvestment30To89DaysPastDue
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_BancoDeLaGenteMember		  
Loans 90 or More Days Past Due 610us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_BancoDeLaGenteMember		 1,952us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_BancoDeLaGenteMember		  
Total Past Due Loans 9,608us-gaap_FinancingReceivableRecordedInvestmentPastDue
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_BancoDeLaGenteMember		 11,785us-gaap_FinancingReceivableRecordedInvestmentPastDue
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_BancoDeLaGenteMember		  
Total Current Loans 37,407us-gaap_FinancingReceivableRecordedInvestmentCurrent
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_BancoDeLaGenteMember		 37,678us-gaap_FinancingReceivableRecordedInvestmentCurrent
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_BancoDeLaGenteMember		  
Total loans 47,015us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_BancoDeLaGenteMember		 49,463us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_BancoDeLaGenteMember		  
Accruing Loans 90 or More Days Past Due 0us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_BancoDeLaGenteMember		 881us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_BancoDeLaGenteMember		  
Commercial      
Past due loans      
Loans 30-89 Days Past Due 3,205PEBK_FinancingReceivableRecordedInvestment30To89DaysPastDue
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_CommercialRealEstateMember		 1,643PEBK_FinancingReceivableRecordedInvestment30To89DaysPastDue
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_CommercialRealEstateMember		  
Loans 90 or More Days Past Due 366us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_CommercialRealEstateMember		 486us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_CommercialRealEstateMember		  
Total Past Due Loans 3,571us-gaap_FinancingReceivableRecordedInvestmentPastDue
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_CommercialRealEstateMember		 2,129us-gaap_FinancingReceivableRecordedInvestmentPastDue
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_CommercialRealEstateMember		  
Total Current Loans 224,987us-gaap_FinancingReceivableRecordedInvestmentCurrent
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_CommercialRealEstateMember		 207,158us-gaap_FinancingReceivableRecordedInvestmentCurrent
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_CommercialRealEstateMember		  
Total loans 228,558us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_CommercialRealEstateMember		 209,287us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_CommercialRealEstateMember		  
Accruing Loans 90 or More Days Past Due 0us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_CommercialRealEstateMember		 0us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_CommercialRealEstateMember		  
Multifamily and Farmland      
Past due loans      
Loans 30-89 Days Past Due 85PEBK_FinancingReceivableRecordedInvestment30To89DaysPastDue
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_MultifamilyAndFarmlandMember		 177PEBK_FinancingReceivableRecordedInvestment30To89DaysPastDue
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_MultifamilyAndFarmlandMember		  
Loans 90 or More Days Past Due 0us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_MultifamilyAndFarmlandMember		 0us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_MultifamilyAndFarmlandMember		  
Total Past Due Loans 85us-gaap_FinancingReceivableRecordedInvestmentPastDue
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_MultifamilyAndFarmlandMember		 177us-gaap_FinancingReceivableRecordedInvestmentPastDue
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_MultifamilyAndFarmlandMember		  
Total Current Loans 12,315us-gaap_FinancingReceivableRecordedInvestmentCurrent
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_MultifamilyAndFarmlandMember		 11,624us-gaap_FinancingReceivableRecordedInvestmentCurrent
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_MultifamilyAndFarmlandMember		  
Total loans 12,400us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_MultifamilyAndFarmlandMember		 11,801us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_MultifamilyAndFarmlandMember		  
Accruing Loans 90 or More Days Past Due 0us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_MultifamilyAndFarmlandMember		 0us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_MultifamilyAndFarmlandMember		  
Total real estate loans      
Past due loans      
Loans 30-89 Days Past Due 18,570PEBK_FinancingReceivableRecordedInvestment30To89DaysPastDue
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_RealEstateMember		 19,587PEBK_FinancingReceivableRecordedInvestment30To89DaysPastDue
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_RealEstateMember		  
Loans 90 or More Days Past Due 4,784us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_RealEstateMember		 9,419us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_RealEstateMember		  
Total Past Due Loans 23,354us-gaap_FinancingReceivableRecordedInvestmentPastDue
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_RealEstateMember		 29,006us-gaap_FinancingReceivableRecordedInvestmentPastDue
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_RealEstateMember		  
Total Current Loans 528,653us-gaap_FinancingReceivableRecordedInvestmentCurrent
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_RealEstateMember		 501,262us-gaap_FinancingReceivableRecordedInvestmentCurrent
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_RealEstateMember		  
Total loans 552,007us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_RealEstateMember		 530,268us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_RealEstateMember		  
Accruing Loans 90 or More Days Past Due 0us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_RealEstateMember		 881us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_RealEstateMember		  
Commercial loans (not secured by real estate)      
Past due loans      
Loans 30-89 Days Past Due 241PEBK_FinancingReceivableRecordedInvestment30To89DaysPastDue
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_CommercialLoanMember		 424PEBK_FinancingReceivableRecordedInvestment30To89DaysPastDue
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_CommercialLoanMember		  
Loans 90 or More Days Past Due 49us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_CommercialLoanMember		 29us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_CommercialLoanMember		  
Total Past Due Loans 290us-gaap_FinancingReceivableRecordedInvestmentPastDue
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_CommercialLoanMember		 453us-gaap_FinancingReceivableRecordedInvestmentPastDue
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_CommercialLoanMember		  
Total Current Loans 75,972us-gaap_FinancingReceivableRecordedInvestmentCurrent
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_CommercialLoanMember		 67,594us-gaap_FinancingReceivableRecordedInvestmentCurrent
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_CommercialLoanMember		  
Total loans 76,262us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_CommercialLoanMember		 68,047us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_CommercialLoanMember		  
Accruing Loans 90 or More Days Past Due 0us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_CommercialLoanMember		 0us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_CommercialLoanMember		  
Farm loans (not secured by real estate)      
Past due loans      
Loans 30-89 Days Past Due 0PEBK_FinancingReceivableRecordedInvestment30To89DaysPastDue
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember		 0PEBK_FinancingReceivableRecordedInvestment30To89DaysPastDue
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember		  
Loans 90 or More Days Past Due 0us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember		 0us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember		  
Total Past Due Loans 0us-gaap_FinancingReceivableRecordedInvestmentPastDue
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember		 0us-gaap_FinancingReceivableRecordedInvestmentPastDue
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember		  
Total Current Loans 7us-gaap_FinancingReceivableRecordedInvestmentCurrent
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember		 19us-gaap_FinancingReceivableRecordedInvestmentCurrent
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember		  
Total loans 7us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember		 19us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember		  
Accruing Loans 90 or More Days Past Due 0us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember		 0us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_FarmLoansNotSecuredByRealEstateMember		  
Consumer loans (not secured by real estate)      
Past due loans      
Loans 30-89 Days Past Due 184PEBK_FinancingReceivableRecordedInvestment30To89DaysPastDue
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_ConsumerLoanMember		 181PEBK_FinancingReceivableRecordedInvestment30To89DaysPastDue
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_ConsumerLoanMember		  
Loans 90 or More Days Past Due 0us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_ConsumerLoanMember		 3us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_ConsumerLoanMember		  
Total Past Due Loans 184us-gaap_FinancingReceivableRecordedInvestmentPastDue
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_ConsumerLoanMember		 184us-gaap_FinancingReceivableRecordedInvestmentPastDue
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_ConsumerLoanMember		  
Total Current Loans 9,876us-gaap_FinancingReceivableRecordedInvestmentCurrent
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_ConsumerLoanMember		 9,409us-gaap_FinancingReceivableRecordedInvestmentCurrent
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_ConsumerLoanMember		  
Total loans 10,060us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_ConsumerLoanMember		 9,593us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_ConsumerLoanMember		  
Accruing Loans 90 or More Days Past Due 0us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_ConsumerLoanMember		 1us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_ConsumerLoanMember		  
All other loans (not secured by real estate)      
Past due loans      
Loans 30-89 Days Past Due 0PEBK_FinancingReceivableRecordedInvestment30To89DaysPastDue
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_AllOtherLoansMember		 0PEBK_FinancingReceivableRecordedInvestment30To89DaysPastDue
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_AllOtherLoansMember		  
Loans 90 or More Days Past Due 0us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_AllOtherLoansMember		 0us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_AllOtherLoansMember		  
Total Past Due Loans 0us-gaap_FinancingReceivableRecordedInvestmentPastDue
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_AllOtherLoansMember		 0us-gaap_FinancingReceivableRecordedInvestmentPastDue
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_AllOtherLoansMember		  
Total Current Loans 13,555us-gaap_FinancingReceivableRecordedInvestmentCurrent
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_AllOtherLoansMember		 13,033us-gaap_FinancingReceivableRecordedInvestmentCurrent
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_AllOtherLoansMember		  
Total loans 13,555us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_AllOtherLoansMember		 13,033us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_AllOtherLoansMember		  
Accruing Loans 90 or More Days Past Due $ 0us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_AllOtherLoansMember		 $ 0us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
/ us-gaap_InternalCreditAssessmentAxis
= PEBK_AllOtherLoansMember		  
XML 92 R41.htm IDEA: XBRL DOCUMENT v2.4.1.9
1. Summary of Significant Accounting Policies (Details Narrative) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Summary Of Significant Accounting Policies Details Narrative      
Unpaid principal balances of mortgage loans serviced for others $ 2,100PEBK_UnpaidPrincipalBalancesOfMortgageLoansServicedForOthers $ 2,400PEBK_UnpaidPrincipalBalancesOfMortgageLoansServicedForOthers $ 3,100PEBK_UnpaidPrincipalBalancesOfMortgageLoansServicedForOthers
Compensation expense for restricted stock units 389us-gaap_ShareBasedCompensation 173us-gaap_ShareBasedCompensation 42us-gaap_ShareBasedCompensation
Unrecognized compensation expense $ 770us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions    
XML 93 R5.htm IDEA: XBRL DOCUMENT v2.4.1.9
Consolidated Statements of Comprehensive Income (Loss) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Consolidated Statements Of Comprehensive Income Loss      
Net earnings $ 9,388us-gaap_NetIncomeLoss $ 6,691us-gaap_NetIncomeLoss $ 5,793us-gaap_NetIncomeLoss
Other comprehensive income (loss):      
Unrealized holding gains (losses) on securities available for sale 11,117us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax (10,498)us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax 5,371us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax
Reclassification adjustment for gains on securities available for sale included in net earnings (266)us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax (614)us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax (1,218)us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax
Total other comprehensive income (loss), before income taxes 10,851us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent (11,112)us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent 4,153us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent
Income tax (benefit) expense related to other comprehensive (loss) income:      
Unrealized holding gains (losses) on securities available for sale 4,330us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax (4,089)us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax 2,091us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax
Reclassification adjustment for gains on securities available for sale included in net earnings (104)us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax (239)us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax (474)us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax
Total income tax expense (benefit) related to other comprehensive income (loss) 4,226us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1 (4,328)us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1 1,617us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1
Total other comprehensive income (loss), net of tax 6,625us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent (6,784)us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent 2,536us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
Total comprehensive income (loss) $ 16,013us-gaap_ComprehensiveIncomeNetOfTax $ (93)us-gaap_ComprehensiveIncomeNetOfTax $ 8,329us-gaap_ComprehensiveIncomeNetOfTax
XML 94 R10.htm IDEA: XBRL DOCUMENT v2.4.1.9
3. Loans
 12 Months Ended
Dec. 31, 2014
Receivables [Abstract]  
Loans

Major classifications of loans at December 31, 2014 and 2013 are summarized as follows:

 

(Dollars in thousands)      
  December 31, 2014   December 31, 2013
Real estate loans:      
Construction and land development $ 57,617   63,742
Single-family residential   206,417   195,975
Single-family residential -        
Banco de la Gente stated income   47,015   49,463
Commercial   228,558   209,287
Multifamily and farmland   12,400   11,801
Total real estate loans   552,007   530,268
         
Loans not secured by real estate:        
Commercial loans   76,262   68,047
Farm loans   7   19
Consumer loans   10,060   9,593
 All other loans   13,555   13,033
         
Total loans   651,891   620,960
         
Less allowance for loan losses   11,082   13,501
         
Total net loans $ 640,809   607,459

 

 

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, Wake and Durham 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, 2014, construction and land development loans comprised approximately 9% 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, 2014, single-family residential loans comprised approximately 39% of the Bank’s total loan portfolio, including Banco de la Gente single-family residential stated income loans which were approximately 7% 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, 2014, commercial real estate loans comprised approximately 35% 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, 2014, commercial loans comprised approximately 12% 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, 2014 and 2013:

 

December 31, 2014                
(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 $ 294   3,540   3,834   53,783   57,617   -  
    Single-family residential   5,988   268   6,256   200,161   206,417   -  
Single-family residential -                        
Banco de la Gente stated income   8,998   610   9,608   37,407   47,015   -  
Commercial   3,205   366   3,571   224,987   228,558   -  
Multifamily and farmland   85   -     85   12,315   12,400   -  
Total real estate loans   18,570   4,784   23,354   528,653   552,007   -  
                         
Loans not secured by real estate:                        
Commercial loans   241   49   290   75,972   76,262   -  
Farm loans   -     -     -     7   7   -  
Consumer loans   184   -     184   9,876   10,060   -  
All other loans   -     -     -     13,555   13,555   -  
Total loans $ 18,995   4,833   23,828   628,063   651,891   -  
                         
                         
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

 

The following table presents the Bank’s non-accrual loans as of December 31, 2014 and 2013:

 

(Dollars in thousands)      
  December 31, 2014   December 31, 2013
Real estate loans:      
Construction and land development $ 3,854   6,546
    Single-family residential   2,370   2,980
Single-family residential -        
Banco de la Gente stated income   1,545   1,990
Commercial   2,598   2,043
Multifamily and farmland   110   -  
Total real estate loans   10,477   13,559
         
Loans not secured by real estate:        
Commercial loans   176   250
Consumer loans   75   27
Total $ 10,728   13,836

 

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.  Various factors, including the assumptions and techniques utilized by the appraiser, are considered by management in determining the impairment of a loan.  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 $25.6 million and $27.6 million at December 31, 2014 and December 31, 2013, respectively.  Interest income recognized on accruing impaired loans was $1.3 million for the years ended December 31, 2014 and 2013.  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, 2014 and 2013:

 

December 31, 2014                    
(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 $ 5,481   3,639   555   4,194   31   5,248
Single-family residential   6,717   933   5,540   6,473   154   7,430
Single-family residential -                        
Banco de la Gente stated income   21,243                   -   20,649   20,649   1,191   19,964
Commercial   4,752   1,485   2,866   4,351   272   4,399
Multifamily and farmland   111               -   110   110   1   154
Total impaired real estate loans   38,304   6,057   29,720   35,777   1,649   37,195
                         
Loans not secured by real estate:                        
Commercial loans   218                -   201   201   4   641
Consumer loans   318                -   313   313   5   309
Total impaired loans $ 38,840   6,057   30,234   36,291   1,658   38,145

 

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

 

The fair value measurements for impaired loans and other real estate on a non-recurring basis at December 31, 2014 and 2013 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, 2014

  

Level 1

Valuation

  

Level 2

Valuation

  

Level 3

Valuation

  

Total Gains/(Losses) for

the Year Ended

December 31, 2014

Impaired loans $ 34,633   -   -   34,633   (1,444 )
Other real estate $ 2,016   -   -   2,016   (622 )
                       
(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 )

 

Changes in the allowance for loan losses for the year ended December 31, 2014 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 $ 3,218   3,123   1,863   2,219   37   1,069   -   245   1,727   13,501  
Charge-offs   (884 ) (309 ) (190 ) (290 ) -   (430 ) -   (534 ) -   (2,637 )
Recoveries   428   72   16   171   -   54   -   176   -   917  
Provision   23   (320 ) (79 ) (198 ) (30 ) 405   -   346   (846 ) (699 )
Ending balance $ 2,785   2,566   1,610   1,902   7   1,098   -   233   881   11,082  
                                           
                                           
Ending balance: individually                                          
evaluated for impairment $ -   82   1,155   260   -   -   -   -   -   1,497  
Ending balance: collectively                                          
evaluated for impairment   2,785   2,484   455   1,642   7   1,098   -   233   881   9,585  
Ending balance $ 2,785   2,566   1,610   1,902   7   1,098   -   233   881   11,082  
                                           
Loans:                                          
Ending balance $ 57,617   206,417   47,015   228,558   12,400   76,262   7   23,615   -   651,891  
                                           
Ending balance: individually                                          
evaluated for impairment $ 3,639   2,298   18,884   3,345   -   -   -   -   -   28,166  
Ending balance: collectively                                          
evaluated for impairment $ 53,978   204,119   28,131   225,213   12,400   76,262   7   23,615   -   623,725  

 

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  
                                           
Allowance for loan losses:                                          
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  

 

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.  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, 2014 and 2013.

 

December 31, 2014                                    
(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 $ -   15,099   -   -   -   924   -   1,232   -   17,255
2- High Quality   6,741   74,367   -   39,888   241   18,730   -   3,576   1,860   145,403
3- Good Quality   24,641   74,453   21,022   142,141   8,376   44,649   7   4,549   8,055   327,893
4- Management Attention   13,013   30,954   12,721   36,433   1,001   11,312   -   566   3,640   109,640
5- Watch   9,294   5,749   5,799   6,153   2,672   383   -   46   -   30,096
6- Substandard   3,928   5,795   7,473   3,943   110   264   -   87   -   21,600
7- Doubtful   -   -   -   -   -   -   -   -   -   -
8- Loss   -   -   -   -   -   -   -   4   -   4
Total $ 57,617   206,417   47,015   228,558   12,400   76,262   7   10,060   13,555   651,891
                                         
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

 

Total TDR loans amounted to $15.0 million and $21.9 million at December 31, 2014 and 2013, 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 $1.4 million and $355,000 in performing loans classified as TDR loans at December 31, 2014 and 2013, respectively.

 

The following tables present an analysis of loan modifications during the years ended December 31, 2014 and 2013:

 

Year ended December 31, 2014          
(Dollars in thousands)          
 

Number of

Contracts

  

Pre-Modification

Outstanding

Recorded

Investment

  

Post-Modification

Outstanding

Recorded

Investment

Real estate loans:          
Construction and land development 1   $ 291   266
Single-family residential 2     849   845
Single-family residential -            
Banco de la Gente stated income 3     281   278
Total real estate TDR loans 6     1,421   1,389
             
Total TDR loans 6   $ 1,421   1,389

 

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

 
XML 95 R58.htm IDEA: XBRL DOCUMENT v2.4.1.9
4. Premises and Equipment (Details Narrative) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Premises And Equipment Details Narrative      
Depreciation expense $ 2,500us-gaap_Depreciation $ 1,900us-gaap_Depreciation $ 1,900us-gaap_Depreciation
XML 96 R69.htm IDEA: XBRL DOCUMENT v2.4.1.9
10. Commitments and Contingencies (Details Narrative) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Commitments And Contingencies Details Narrative      
Rent expense $ 691us-gaap_OperatingLeasesRentExpenseNet $ 672us-gaap_OperatingLeasesRentExpenseNet $ 643us-gaap_OperatingLeasesRentExpenseNet
Overnight federal funds $ 54,500PEBK_OvernightFederalFunds    
XML 97 R27.htm IDEA: XBRL DOCUMENT v2.4.1.9
3. Loans (Tables)
 12 Months Ended
Dec. 31, 2014
Loans Tables  
Major classifications of loans

Major classifications of loans at December 31, 2014 and 2013 are summarized as follows:

 

 

(Dollars in thousands)      
  December 31, 2014   December 31, 2013
Real estate loans:      
Construction and land development $ 57,617   63,742
Single-family residential   206,417   195,975
Single-family residential -        
Banco de la Gente stated income   47,015   49,463
Commercial   228,558   209,287
Multifamily and farmland   12,400   11,801
Total real estate loans   552,007   530,268
         
Loans not secured by real estate:        
Commercial loans   76,262   68,047
Farm loans   7   19
Consumer loans   10,060   9,593
All other loans   13,555   13,033
         
Total loans   651,891   620,960
         
Less allowance for loan losses   11,082   13,501
         
Total net loans $ 640,809   607,459

 

 
Age analysis of past due loans, by loan type

The following tables present an age analysis of past due loans, by loan type, as of December 31, 2014 and 2013:

 

December 31, 2014                
(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 $ 294   3,540   3,834   53,783   57,617   -  
Single-family residential   5,988   268   6,256   200,161   206,417   -  
Single-family residential -                        
Banco de la Gente stated income   8,998   610   9,608   37,407   47,015   -  
Commercial   3,205   366   3,571   224,987   228,558   -  
Multifamily and farmland   85   -     85   12,315   12,400   -  
Total real estate loans   18,570   4,784   23,354   528,653   552,007   -  
                         
Loans not secured by real estate:                        
Commercial loans   241   49   290   75,972   76,262   -  
Farm loans   -     -     -     7   7   -  
Consumer loans   184   -     184   9,876   10,060   -  
All other loans   -     -     -     13,555   13,555   -  
Total loans $ 18,995   4,833   23,828   628,063   651,891   -  
                         
                         
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

 
Non-accrual loans

The following table presents the Bank’s non-accrual loans as of December 31, 2014 and 2013:

(Dollars in thousands)      
  December 31, 2014   December 31, 2013
Real estate loans:      
Construction and land development $ 3,854   6,546
Single-family residential   2,370   2,980
Single-family residential -        
Banco de la Gente stated income   1,545   1,990
Commercial   2,598   2,043
Multifamily and farmland   110   -  
Total real estate loans   10,477   13,559
         
Loans not secured by real estate:        
Commercial loans   176   250
Consumer loans   75   27
Total $ 10,728   13,836

 
Impaired loans

The following tables present the Bank’s impaired loans as of December 31, 2014 and 2013:

 

December 31, 2014                    
(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 $ 5,481   3,639   555   4,194   31   5,248
Single-family residential   6,717   933   5,540   6,473   154   7,430
Single-family residential -                        
Banco de la Gente stated income   21,243   -   20,649   20,649   1,191   19,964
Commercial   4,752   1,485   2,866   4,351   272   4,399
Multifamily and farmland   111   -   110   110   1   154
Total impaired real estate loans   38,304   6,057   29,720   35,777   1,649   37,195
                         
Loans not secured by real estate:                        
Commercial loans   218   -   201   201   4   641
Consumer loans   318   -   313   313   5   309
Total impaired loans $ 38,840   6,057   30,234   36,291   1,658   38,145

 

  

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

 

 
Fair value measurements for impaired loans and other real estate on a non-recurring basis
(Dollars in thousands)                  
 

Fair Value

Measurements

December 31, 2014

  

Level 1

Valuation

  

Level 2

Valuation

  

Level 3

Valuation

  

Total Gains/(Losses) for

the Year Ended

December 31, 2014

Impaired loans $ 34,633   -   -   34,633   (1,444 )
Other real estate $ 2,016   -   -   2,016   (622 )
                       
(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 )

 

 
Changes in the allowance for loan losses

Changes in the allowance for loan losses for the year ended December 31, 2014 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 $ 3,218   3,123   1,863   2,219   37   1,069   -   245   1,727   13,501  
Charge-offs   (884 ) (309 ) (190 ) (290 ) -   (430 ) -   (534 ) -   (2,637 )
Recoveries   428   72   16   171   -   54   -   176   -   917  
Provision   23   (320 ) (79 ) (198 ) (30 ) 405   -   346   (846 ) (699 )
Ending balance $ 2,785   2,566   1,610   1,902   7   1,098   -   233   881   11,082  
                                           
                                           
Ending balance: individually                                          
evaluated for impairment $ -   82   1,155   260   -   -   -   -   -   1,497  
Ending balance: collectively                                          
evaluated for impairment   2,785   2,484   455   1,642   7   1,098   -   233   881   9,585  
Ending balance $ 2,785   2,566   1,610   1,902   7   1,098   -   233   881   11,082  
                                           
Loans:                                          
Ending balance $ 57,617   206,417   47,015   228,558   12,400   76,262   7   23,615   -   651,891  
                                           
Ending balance: individually                                          
evaluated for impairment $ 3,639   2,298   18,884   3,345   -   -   -   -   -   28,166  
Ending balance: collectively                                          
evaluated for impairment $ 53,978   204,119   28,131   225,213   12,400   76,262   7   23,615   -   623,725  

 

 

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  
                                           
Allowance for loan losses:                                          
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  

 

 
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, 2014 and 2013.

 

December 31, 2014                                    
(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 $ -   15,099   -   -   -   924   -   1,232   -   17,255
2- High Quality   6,741   74,367   -   39,888   241   18,730   -   3,576   1,860   145,403
3- Good Quality   24,641   74,453   21,022   142,141   8,376   44,649   7   4,549   8,055   327,893
4- Management Attention   13,013   30,954   12,721   36,433   1,001   11,312   -   566   3,640   109,640
5- Watch   9,294   5,749   5,799   6,153   2,672   383   -   46   -   30,096
6- Substandard   3,928   5,795   7,473   3,943   110   264   -   87   -   21,600
7- Doubtful   -   -   -   -   -   -   -   -   -   -
8- Loss   -   -   -   -   -   -   -   4   -   4
Total $ 57,617   206,417   47,015   228,558   12,400   76,262   7   10,060   13,555   651,891
                                         
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

 

 
Analysis of TDR loans by loan type

The following tables present an analysis of loan modifications during the years ended December 31, 2014 and 2013:

 

Year ended December 31, 2014          
(Dollars in thousands)          
 

Number of

Contracts

  

Pre-Modification

Outstanding

Recorded

Investment

  

Post-Modification

Outstanding

Recorded

Investment

Real estate loans:          
Construction and land development 1   $ 291   266
Single-family residential 2     849   845
Single-family residential -            
Banco de la Gente stated income 3     281   278
Total real estate TDR loans 6     1,421   1,389
             
Total TDR loans 6   $ 1,421   1,389

 

 

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

 

 
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11. Employee and Director Benefit Programs (Details Narrative) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Employee And Director Benefit Programs Details Narrative      
Employee contributions, percentage 4.00%us-gaap_DefinedContributionPlanEmployerMatchingContributionPercentOfMatch 4.00%us-gaap_DefinedContributionPlanEmployerMatchingContributionPercentOfMatch 3.50%us-gaap_DefinedContributionPlanEmployerMatchingContributionPercentOfMatch
Defined Benefit Plan, Contributions by Employer $ 439us-gaap_DefinedBenefitPlanContributionsByEmployer $ 430us-gaap_DefinedBenefitPlanContributionsByEmployer $ 345us-gaap_DefinedBenefitPlanContributionsByEmployer
Expenses incurred for benefits relating to the postretirement benefit 422us-gaap_PensionAndOtherPostretirementBenefitExpense 395us-gaap_PensionAndOtherPostretirementBenefitExpense 546us-gaap_PensionAndOtherPostretirementBenefitExpense
Postretirement medical benefits expense, including amortization of the transition obligation     24us-gaap_OtherPostretirementBenefitExpense
Benefits paid $ 184us-gaap_PaymentsForPostemploymentBenefits $ 142us-gaap_PaymentsForPostemploymentBenefits  
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16. Peoples Bancorp of North Carolina, Inc. (Parent Company Only) Condensed Financial Statements (Tables)
 12 Months Ended
Dec. 31, 2014
Condensed Financial Information of Parent Company Only Disclosure [Abstract]  
Balance Sheets
Balance Sheets
       
December 31, 2014 and 2013
(Dollars in thousands)
       
Assets 2014   2013
       
Cash $ 745   12,879
Interest-bearing time deposit   1,000   -  
Investment in subsidiaries   116,076   102,113
Investment securities available for sale   1,235   1,721
Other assets   245   273
         
Total assets $ 119,301   116,986
         
Liabilities and Shareholders' Equity        
         
Junior subordinated debentures $ 20,619   20,619
Liabilities   17   12,648
Shareholders' equity   98,665   83,719
         
Total liabilities and shareholders' equity $ 119,301   116,986

 

 
Statements of Earnings
Statements of Earnings
             
For the Years Ended December 31, 2014, 2013 and 2012
(Dollars in thousands)
             
Revenues: 2014   2013   2012  
             
Interest and dividend income $ 2,718   13,576   113  
               
Total revenues   2,718   13,576   113  
               
Expenses:              
               
Interest   389   398   438  
Other operating expenses   527   159   476  
               
Total expenses   916   557   914  
               
Income/(Loss) before income tax benefit and equity in              
undistributed earnings of subsidiaries   1,802   13,019   (801 )
               
Income tax benefit   239   84   166  
               
Income/(Loss) before equity in undistributed              
earnings of subsidiaries   2,041   13,103   (635 )
               
Equity in undistributed earnings (loss) of subsidiaries   7,347   (6,412 ) 6,428  
               
Net earnings $ 9,388   6,691   5,793  

 

 
Statements of Cash Flows

Statements of Cash Flows
             
For the Years Ended December 31, 2014, 2013 and 2012
(Dollars in thousands)
             
  2014   2013   2012  
Cash flows from operating activities:            
             
Net earnings $ 9,388   6,691   5,793  
Adjustments to reconcile net earnings to net              
cash used by operating activities:              
Equity in undistributed earnings of subsidiaries   (7,347 ) 6,412   (6,428 )
Impairment of investment securities   -     -     -    
Change in:              
Other assets   28   (73 ) -    
Accrued income   (5 ) -     11  
Accrued expense   1   27   41  
Other liabilities   (108 ) 108   -    
               
Net cash provided (used) by operating activities   1,957   13,165   (583 )
               
Cash flows from investing activities:              
               
    Proceeds from maturities of investment securities available for sale   500   1   -  
Net change in interest-bearing time deposit   (1,000 ) 800   14,200  
               
Net cash provided by investing activities   (500 )  801   14,200  
               
Cash flows from financing activities:              
               
Cash dividends paid on Series A preferred stock   -     (734 ) (1,023 )
Cash dividends paid on common stock   (1,022 ) (677 ) (1,003 )
Preferred stock and warrant repurchase   (12,524 ) -     (12,122 )
Stock repurchase   (82 ) -     -    
Proceeds from exercise of stock options   37   -     539  
               
Net cash used by financing activities   (13,591 ) (1,411 ) (13,609 )
               
Net change in cash   (12,134 ) 12,555   8  
               
Cash at beginning of year   12,879   324   316  
               
Cash at end of year $ 745   12,879   324  
               
Noncash investing and financing activities:              
Change in unrealized gain on investment securities              
 available for sale, net $ 8   77   (46 )
    Accrued redemption of Series A Preferred Stock   -      12,632   -     

 
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13. Shareholders' Equity
 12 Months Ended
Dec. 31, 2014
Equity [Abstract]  
Shareholders' Equity

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 was 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 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.

 

In September 2014, the Company’s Board of Directors authorized a stock repurchase program, pursuant to which up to $2 million will be allocated to repurchase the Company’s common stock.  Any purchases under the Company’s stock repurchase program may be made periodically as permitted by securities laws and other legal requirements in the open market or in privately negotiated transactions.  The timing and amount of any repurchase of shares will be determined by the Company’s management, based on its evaluation of market conditions and other factors.  The repurchase program may be suspended at any time or from time-to-time without prior notice.  The Company has repurchased and retired $82,000, or 4,537 shares, of its common stock under this program as of December 31, 2014.

 

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11. Employee and Director Benefit Programs (Details) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Employee And Director Benefit Programs Details      
Benefit obligation at beginning of period $ 3,581us-gaap_DefinedBenefitPlanAccumulatedBenefitObligation $ 3,382us-gaap_DefinedBenefitPlanAccumulatedBenefitObligation  
Service cost 348us-gaap_DefinedBenefitPlanServiceCost 336us-gaap_DefinedBenefitPlanServiceCost 430us-gaap_DefinedBenefitPlanServiceCost
Interest cost 67us-gaap_DefinedBenefitPlanInterestCost 65us-gaap_DefinedBenefitPlanInterestCost 89us-gaap_DefinedBenefitPlanInterestCost
Benefits paid (184)us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets (142)us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets  
Reversal of excess accrual 0us-gaap_DefinedBenefitPlanCurtailments (60)us-gaap_DefinedBenefitPlanCurtailments  
Benefit obligation at end of period $ 3,812us-gaap_DefinedBenefitPlanAccumulatedBenefitObligation $ 3,581us-gaap_DefinedBenefitPlanAccumulatedBenefitObligation $ 3,382us-gaap_DefinedBenefitPlanAccumulatedBenefitObligation