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LOANS, NET (Tables)
6 Months Ended
Jun. 30, 2019
Receivables [Abstract]  
Schedule of composition of the loan portfolio
(Dollars in Thousands)June 30, 2019  December 31, 2018
Commercial, Financial and Agricultural$265,001  $233,689
Real Estate – Construction  101,372    89,527
Real Estate – Commercial Mortgage  614,618    602,061
Real Estate – Residential(1)   362,974    342,215
Real Estate – Home Equity  201,579    210,111
Consumer(2)   289,638    296,622
Loans, Net of Unearned Income$1,835,182  $1,774,225
Schedule of recorded investment in nonaccrual loans and loans past due over 90 days and still on accrual by class of loans
June 30, 2019  December 31, 2018
(Dollars in Thousands)Nonaccrual  90 + DaysNonaccrual90 + Days
Commercial, Financial and Agricultural$187$-$267$-
Real Estate – Construction  381-722-
Real Estate – Commercial Mortgage  2,107-2,860-
Real Estate – Residential  1,166-2,119-
Real Estate – Home Equity  1,569-584-
Consumer  212-320-
Total Nonaccrual Loans$5,622$-$6,872$-
Schedule of aging of past due loans by class of loans
30-59 60-89 90 + TotalTotalTotal
(Dollars in Thousands)DPDDPDDPDPast DueCurrentLoans(1)
June 30, 2019
Commercial, Financial and Agricultural$493$393$-$886$263,928$265,001
Real Estate – Construction  ----100,991101,372
Real Estate – Commercial Mortgage  723276-999611,512614,618
Real Estate – Residential  377882-1,259360,549362,974
Real Estate – Home Equity  25695-351199,659201,579
Consumer  1,613335-1,948287,478289,638
Total Loans$3,462$1,981$-$5,443$1,824,117$1,835,182
December 31, 2018
Commercial, Financial and Agricultural$104$58$-$162$233,260$233,689
Real Estate – Construction  489--48988,31689,527
Real Estate – Commercial Mortgage  124--124599,077602,061
Real Estate – Residential  745627-1,372338,724342,215
Real Estate – Home Equity  512124-636208,891210,111
Consumer  1,661313-1,974294,328296,622
Total Loans$3,635$1,122$-$4,757$1,762,596$1,774,225
(1) Total Loans include nonaccrual loans of $5.6 million and $6.9 million at June 30, 2019 and December 31, 2018, respectively.
Schedule of activity in the allowance for loan losses by portfolio class
Commercial,Real Estate
Financial, Real EstateCommercial Real EstateReal Estate
(Dollars in Thousands)AgriculturalConstructionMortgageResidentialHome EquityConsumerTotal
Three Months Ended
June 30, 2019
Beginning Balance$1,630$381$3,993$3,186$2,261$2,669$14,120
Provision for Loan Losses195140(204)(134)107542646
Charge-Offs(235)--(65)(45)(520)(865)
Recoveries 58-10022360251692
Net Charge-Offs(177)-10015815(269)(173)
Ending Balance$1,648$521$3,889$3,210$2,383$2,942$14,593
Six Months Ended
June 30, 2019
Beginning Balance$1,434$280$4,181$3,400$2,301$2,614$14,210
Provision for Loan Losses412241(307)(128)871,1081,413
Charge-Offs(330)-(155)(329)(97)(1,315)(2,226)
Recoveries132-170267925351,196
Net Charge-Offs(198)-15(62)(5)(780)(1,030)
Ending Balance$1,648$521$3,889$3,210$2,383$2,942$14,593
Three Months Ended
June 30, 2018
Beginning Balance$1,131$244$4,053$3,363$2,319$2,148$13,258
Provision for Loan Losses13739364(107)110272815
Charge-Offs(141)--(456)(157)(509)(1,263)
Recoveries 87-1534622283753
Net Charge-Offs(54)-15(110)(135)(226)(510)
Ending Balance$1,214$283$4,432$3,146$2,294$2,194$13,563
Six Months Ended
June 30, 2018
Beginning Balance$1,191$122$4,346$3,206$2,506$1,936$13,307
Provision for Loan Losses9316723873209691,560
Charge-Offs(323)(7)(290)(563)(315)(1,204)(2,702)
Recoveries2531138430834931,398
Net Charge-Offs(70)(6)(152)(133)(232)(711)(1,304)
Ending Balance$1,214$283$4,432$3,146$2,294$2,194$13,563
Schedule of allowance for loan losses by portfolio class and disaggregated on the basis of the impairment methodology
Commercial,Real Estate
Financial, Real EstateCommercial Real EstateReal Estate
(Dollars in ThousandsAgriculturalConstructionMortgageResidentialHome EquityConsumerTotal
June 30, 2019
Period-end amount
Allocated to:
Loans Individually
Evaluated for Impairment$95$254$637$585$360$2$1,933
Loans Collectively
Evaluated for Impairment1,5532673,2522,6252,0232,94012,660
Ending Balance$1,648$521$3,889$3,210$2,383$2,942$14,593
December 31, 2018
Period-end amount
Allocated to:
Loans Individually
Evaluated for Impairment$118$52$1,026$919$289$1$2,405
Loans Collectively
Evaluated for Impairment1,3162283,1552,4812,0122,61311,805
Ending Balance$1,434$280$4,181$3,400$2,301$2,614$14,210
June 30, 2018
Period-end amount
Allocated to:
Loans Individually
Evaluated for Impairment$195$113$1,735$1,030$365$1$3,439
Loans Collectively
Evaluated for Impairment1,0191702,6972,1161,9292,19310,124
Ending Balance$1,214$283$4,432$3,146$2,294$2,194$13,563
Schedule of allowance for loan losses by portfolio class
Commercial,Real Estate
Financial, Real EstateCommercial Real EstateReal Estate
(Dollars in Thousands)AgriculturalConstructionMortgageResidentialHome EquityConsumerTotal
June 30, 2019
Individually Evaluated for
Impairment$1,261$381$13,239$9,366$2,324$80$26,651
Collectively Evaluated for
Impairment263,740100,991601,379353,608199,255289,5581,808,531
Total$265,001$101,372$614,618$362,974$201,579$289,638$1,835,182
December 31, 2018
Individually Evaluated for
Impairment$873$781$12,650$10,593$2,210$88$27,195
Collectively Evaluated for
Impairment232,81688,746589,411331,622207,901296,5341,747,030
Total$233,689$89,527$602,061$342,215$210,111$296,622$1,774,225
June 30, 2018
Individually Evaluated for
Impairment$1,093$671$18,368$11,416$2,589$95$34,232
Collectively Evaluated for
Impairment221,31387,498557,625320,528216,262287,0171,690,243
Total$222,406$88,169$575,993$331,944$218,851$287,112$1,724,475
Schedule of loans individually evaluated for impairment by class of loans
UnpaidRecorded Recorded
Principal Investment Investment Related
(Dollars in Thousands)BalanceWith No AllowanceWith AllowanceAllowance
June 30, 2019
Commercial, Financial and Agricultural$1,261$723$538$95
Real Estate – Construction381-381254
Real Estate – Commercial Mortgage13,2395,4897,750637
Real Estate – Residential9,3663,0606,306585
Real Estate – Home Equity2,3246961,628360
Consumer8044362
Total$26,651$10,012$16,639$1,933
December 31, 2018
Commercial, Financial and Agricultural$873$101$772$118
Real Estate – Construction78145932252
Real Estate – Commercial Mortgage12,6502,38410,2661,026
Real Estate – Residential10,5931,4829,111919
Real Estate – Home Equity2,2108551,355289
Consumer8849391
Total$27,195$5,330$21,865$2,405
Schedule of Average recorded investment and interest income recognized by class of impaired loans
Three Months Ended June 30,Six Months Ended June 30,
  2019  2018  20192018
AverageTotalAverageTotalAverageTotalAverageTotal
Recorded InterestRecordedInterestRecorded InterestRecordedInterest
 (Dollars in Thousands)Investment Income InvestmentIncomeInvestment Income InvestmentIncome
Commercial, Financial and
Agricultural$1,024$21$1,188$22  $974$32$1,251$50
Real Estate – Construction  381-  6711    515-  5681
Real Estate – Commercial Mortgage12,57414518,40616812,59926818,697344
Real Estate – Residential  9,148127  12,310136    9,629253  12,497284
Real Estate – Home Equity  2,47718  2,89424    2,38844  3,04051
Consumer  822  1022    844  1064
Total$25,686$313$35,571$353  $26,189$601$36,159$734
Schedule of risk category of loans by segment
Commercial,
Financial,Total
(Dollars in Thousands)AgricultureReal EstateConsumerLoans
June 30, 2019
Pass$263,033$1,242,619$289,012$1,794,664
Special Mention46513,5994914,113
Substandard  1,503  24,325  577  26,405
Doubtful  -  -  -  -
Total Loans$265,001$1,280,543$289,638$1,835,182
December 31, 2018
Pass$232,417$1,211,451$295,888$1,739,756
Special Mention47911,0485411,581
Substandard  793  21,415  680  22,888
Doubtful  -  -  -  -
Total Loans$233,689$1,243,914$296,622$1,774,225
Schedule of troubled debt restructurings loans
June 30, 2019December 31, 2018
(Dollars in Thousands)Accruing NonaccruingAccruing  Nonaccruing
Commercial, Financial and Agricultural$630$-$873$-
Real Estate – Construction-58  59-
Real Estate – Commercial Mortgage8,620862  9,9101,239
Real Estate – Residential7,973444  9,2341,222
Real Estate – Home Equity1,434177  1,920179
Consumer80-  88-
Total TDRs$18,737$1,541$ 22,084$2,640
Schedule of loans classified as TDRs
  Three Months Ended June 30,  Six Months Ended June 30,
20192019
Pre-Post-Pre-Post-
NumberModifiedModified  NumberModifiedModified
ofRecordedRecordedofRecordedRecorded
(Dollars in Thousands)ContractsInvestmentInvestmentContractsInvestmentInvestment
Commercial, Financial and Agricultural-$-$-  -  $-  $-
Real Estate – Construction---  -    -    -
Real Estate Commercial Mortgage15861  1    58    61
Real Estate Residential---  1    46    74
Real Estate – Home Equity---  1    30    31
Consumer---  -    -    -
Total TDRs1$58 $61  3  $134  $166
  Three Months Ended June 30,  Six Months Ended June 30,
20182018
Pre-Post-Pre-Post-
NumberModifiedModified  Number  Modified  Modified
ofRecordedRecordedofRecordedRecorded
(Dollars in Thousands)ContractsInvestmentInvestmentContractsInvestmentInvestment
Commercial, Financial and Agricultural-$-$-  1  $498  $230
Real Estate – Construction---  -    -    -
Real Estate Commercial Mortgage---  1    227    227
Real Estate Residential13333  1    33    33
Real Estate – Home Equity12727  1    27    27
Consumer---  -    -    -
Total TDRs2$60 $60  4  $785  $517
Schedule of loans modified as TDRs within the previous 12 months and subsequently defaulted
  Three Months Ended June 30,  Six Months Ended June 30,
20182018
NumberPost-Modified  Number  Post-Modified 
ofRecordedofRecorded
(Dollars in Thousands)ContractsInvestment(1)ContractsInvestment(1)
Commercial, Financial and Agricultural-$-  -  $- 
Real Estate – Construction--  -    - 
Real Estate Commercial Mortgage164  1    64 
Real Estate Residential--  -    - 
Real Estate – Home Equity--  -    - 
Consumer--  -    - 
Total TDRs1$64  1  $64 
Schedule of loans modified as TDRs information
  Three Months Ended June 30,  Six Months Ended June 30,
20192019
Number ofRecordedNumber ofRecorded
(Dollars in Thousands)ContractsInvestment(1)ContractsInvestment(1)
Extended amortization-$-  -  $-
Interest rate adjustment--  -    -
Extended amortization and interest rate adjustment161  3    166
Total TDRs1$61  3  $166

  Three Months Ended June 30,  Six Months Ended June 30,
20182018
Number ofRecordedNumber ofRecorded
(Dollars in Thousands)ContractsInvestment(1)ContractsInvestment(1)
Extended amortization-$-  1  $227
Interest rate adjustment133  1    33
Extended amortization and interest rate adjustment127  1    27
Principal moratorium--  1    230
Total TDRs2$60  4  $517