0001552781-16-001915.txt : 20160811 0001552781-16-001915.hdr.sgml : 20160811 20160811171416 ACCESSION NUMBER: 0001552781-16-001915 CONFORMED SUBMISSION TYPE: 10-Q PUBLIC DOCUMENT COUNT: 62 CONFORMED PERIOD OF REPORT: 20160630 FILED AS OF DATE: 20160811 DATE AS OF CHANGE: 20160811 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIRST COMMUNITY CORP /SC/ CENTRAL INDEX KEY: 0000932781 STANDARD INDUSTRIAL CLASSIFICATION: NATIONAL COMMERCIAL BANKS [6021] IRS NUMBER: 571010751 STATE OF INCORPORATION: SC FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 10-Q SEC ACT: 1934 Act SEC FILE NUMBER: 000-28344 FILM NUMBER: 161825437 BUSINESS ADDRESS: STREET 1: 5455 SUNSET BLVD CITY: LEXINGTON STATE: SC ZIP: 29072 BUSINESS PHONE: 8032538875 10-Q 1 e00449_fcco-10q.htm

 

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

 

FORM 10-Q

 

 

(Mark One)
xQuarterly report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 for the quarterly period ended June 30, 2016
  
o     Transition report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 for the transition period from ____ to _____

 

Commission File No. 000-28344

 

FIRST COMMUNITY CORPORATION
(Exact name of registrant as specified in its charter)
 
South Carolina 57-1010751

(State or other jurisdiction of incorporation

or organization)

 (I.R.S. Employer Identification No.)

 

5455 Sunset Boulevard, Lexington, South Carolina 29072

(Address of principal executive offices) (Zip Code)

 

(803) 951-2265

(Registrant’s telephone number, including area code)

 

(Former name, former address and former fiscal year, if changed since last report)

 

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).          x     Yes      o No

 

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company. See the definitions of “large accelerated filer,” “accelerated filer,” and “smaller reporting company” in Rule 12b-2 of the Exchange Act.

 

Large accelerated filer o Accelerated filer o Non-accelerated filer o Smaller reporting company x

 

Indicate by check mark whether the registrant is shell company (as defined in Rule 12b-2 of the Exchange Act).   Yes   o     No   x

 

Indicate the number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practicable date: On August 11, 2016, 6,699,030 shares of the issuer’s common stock, par value $1.00 per share, were issued and outstanding.

 
 

TABLE OF CONTENTS

 

PART I - FINANCIAL INFORMATION  
Item 1.  Financial Statements 3
Consolidated Balance Sheets 3
Consolidated Statements of Income 4
Consolidated Statements of Comprehensive Income 6
Consolidated Statements of Changes in Shareholders’ Equity 7
Consolidated Statements of Cash Flows 8
Notes to Consolidated Financial Statements 9
Item 2.  Management’s Discussion and Analysis of Financial Condition and Results of Operations 40
Item 3.  Quantitative and Qualitative Disclosures About Market Risk   57
Item 4.  Controls and Procedures 57
   
PART II – OTHER INFORMATION  
Item 1.  Legal Proceedings 58
Item 1A. Risk Factors 58
Item 2.  Unregistered Sales of Equity Securities and Use of Proceeds 58
Item 3.  Defaults Upon Senior Securities 58
Item 4.  Mine Safety Disclosures 58
Item 5.  Other Information 58
Item 6.  Exhibits 58
 
SIGNATURES 59
INDEX TO EXHIBITS  
EX-31.1 RULE 13A-14(A) CERTIFICATION OF PRINCIPAL EXECUTIVE OFFICER  
EX-31.2 RULE 13A-14(A) CERTIFICATION OF PRINCIPAL FINANCIAL OFFICER  
EX-32 SECTION 1350 CERTIFICATIONS  

2
 

PART I - FINANCIAL INFORMATION

Item 1. Financial Statements

 

FIRST COMMUNITY CORPORATION
CONSOLIDATED BALANCE SHEETS
 
   June 30,     
(Dollars in thousands, except par value)  2016   December 31, 
   (Unaudited)   2015 
ASSETS          
Cash and due from banks  $12,285   $10,973 
Interest-bearing bank balances   9,412    11,375 
Federal funds sold and securities purchased under agreements to resell   598    593 
Investment securities - held-to-maturity   17,283    17,371 
Investment securities - available for sale   267,315    264,687 
Other investments, at cost   2,168    1,783 
Loans held for sale   7,707    2,962 
Loans   511,303    489,191 
Less,  allowance for loan losses   4,877    4,596 
    Net loans   506,426    484,595 
Property, furniture and equipment - net   30,129    29,929 
Land held for sale   1,080    1,080 
Bank owned life insurance   20,603    20,301 
Other real estate owned   1,355    2,458 
Intangible assets   1,257    1,419 
Goodwill   5,078    5,078 
Other assets   6,141    8,130 
Total assets  $888,837   $862,734 
LIABILITIES          
Deposits:          
Non-interest bearing  $170,976   $156,247 
Interest bearing   558,647    559,904 
Total deposits   729,623    716,151 
Securities sold under agreements to repurchase   21,112    21,033 
Federal Home Loan Bank advances   32,445    24,788 
Junior subordinated debt   14,964    14,964 
Other liabilities   6,482    6,760 
Total liabilities   804,626    783,696 
            SHAREHOLDERS’ EQUITY          
Preferred stock, par value $1.00 per share, 10,000,000 shares authorized; none issued and outstanding   —    — 
Common stock, par value $1.00 per share; 10,000,000 shares authorized; issued and outstanding 6,699,030 at June 30, 2016 6,690,551 at December 31, 2015   6,699    6,690 
Common stock warrants issued   46    46 
           
Nonvested restricted stock   (405)   (297)
Additional paid in capital   75,863    75,761 
           
Accumulated deficit   (1,835)   (3,992)
Accumulated other comprehensive income   3,843    830 
    Total shareholders equity   84,211    79,038 
    Total liabilities and shareholders’ equity  $888,837   $862,734 

 

See Notes to Consolidated Financial Statements

3
 
FIRST COMMUNITY CORPORATION
CONSOLIDATED STATEMENTS OF INCOME
 
   Six   Six 
   Months Ended   Months Ended 
   June 30,   June 30, 
   2016   2015 
(Dollars in thousands, except per share amounts)  (Unaudited)   (Unaudited) 
Interest income:          
  Loans, including fees  $11,605   $11,578 
  Taxable securities   1,959    1,911 
  Non taxable securities   983    786 
  Federal funds sold and securities purchased under resale agreements   32    14 
  Other   17    43 
       Total interest income   14,596    14,332 
Interest expense:          
  Deposits   893    861 
  Federal funds sold and securities sold under agreement to repurchase   20    15 
  Other borrowed money   669    804 
      Total interest expense   1,582    1,680 
Net interest income   13,014    12,652 
Provision for loan losses   357    797 
Net interest income after provision for loan losses   12,657    11,855 
Non-interest income:          
  Deposit service charges   687    693 
  Mortgage banking income   1,578    1,715 
  Investment advisory fees and non-deposit commissions   588    703 
  Gain on sale of securities   123    271 
  Gain (loss) on sale of other assets   (81)   5 
  Loss on early extinguishment of debt   —    (103)
  Other   1,458    1,262 
      Total non-interest income   4,353    4,546 
Non-interest expense:          
  Salaries and employee benefits   7,584    7,223 
  Occupancy   1,070    985 
  Equipment   866    796 
  Marketing and public relations   289    554 
  FDIC assessments   276    276 
  Other real estate expense   72    308 
  Amortization of intangibles   163    201 
  Other   2,355    2,146 
      Total non-interest expense   12,675    12,489 
Net income before tax   4,335    3,912 
Income taxes   1,122    1,065 
Net income  $3,213   $2,847 
           
Basic earnings per common share  $0.49   $0.44 
Diluted earnings per common share  $0.47   $0.43 

 

See Notes to Consolidated Financial Statements

4
 

FIRST COMMUNITY CORPORATION
CONSOLIDATED STATEMENTS OF INCOME
 
   Three   Three 
   Months Ended   Months Ended 
   June 30,   June 30, 
   2016   2015 
(Dollars in thousands, except per share amounts)  (Unaudited)   (Unaudited) 
Interest income:          
  Loans, including fees  $5,924   $5,704 
  Taxable securities   1,011    909 
  Non taxable securities   498    406 
  Federal funds sold and securities purchased under resale agreements   18    8 
  Other   8    22 
       Total interest income   7,459    7,049 
Interest expense:          
  Deposits   445    435 
  Federal funds sold and securities sold under agreement to repurchase   10    7 
  Other borrowed money   327    403 
      Total interest expense   782    845 
Net interest income   6,677    6,204 
Provision for loan losses   217    391 
Net interest income after provision for loan losses   6,460    5,813 
Non-interest income:          
  Deposit service charges   340    346 
  Mortgage banking income   913    980 
  Investment advisory fees and non-deposit commissions   297    407 
  Gain on sale of securities   64    167 
  Gain (loss) on sale of other assets   (84)   1 
  Other   734    664 
      Total non-interest income   2,264    2,565 
Non-interest expense:          
  Salaries and employee benefits   3,833    3,658 
  Occupancy   511    500 
  Equipment   437    394 
  Marketing and public relations   195    328 
  FDIC assessment   138    138 
  Other real estate expense   21    154 
  Amortization of intangibles   80    98 
  Other   1,118    1,119 
      Total non-interest expense   6,333    6,389 
Net income before tax   2,391    1,989 
Income taxes   646    546 
Net income  $1,745   $1,443 
           
Basic earnings per common share  $0.27   $0.22 
Diluted earnings per common share  $0.26   $0.22 

 

See Notes to Consolidated Financial Statements

5
 

FIRST COMMUNITY CORPORATION

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME

(Unaudited)

 

 
(Dollars in thousands)  Six months ended June 30, 
   2016   2015 
         
Net income  $3,213   $2,847 
           
Other comprehensive income:          
Unrealized gain (loss) during the period on available-for-sale securities, net of tax of $1,594 and $32, respectively   3,095    (179)
           
Less: Reclassification adjustment for gain included in net income, net of tax benefit of $41 and $131, respectively   (82)   (140)
           
Other comprehensive income (loss)   3,013    (319)
Comprehensive income  $6,226   $2,528 
         
(Dollars in thousands)  Three months ended June 30, 
   2016   2015 
         
Net income  $1,745   $1,443 
           
Other comprehensive income (loss):          
Unrealized gain (loss) during the period on available-for-sale securities, net of tax $649 and $567, respectively.   1,259    (1,101)
           
Less: Reclassification adjustment for gain included in net income, net of tax of $21 and $56 respectively.   (43)   (111)
Other comprehensive income (loss)   1,216    (1,212)
Comprehensive income  $2,961   $231 

 

See Notes to Consolidated Financial Statements 

6
 
FIRST COMMUNITY CORPORATION
Consolidated Statements of Changes in Shareholders’ Equity
Six Months ended June 30, 2016 and June 30, 2015
(Unaudited)
 
(Dollars and shares in thousands)          Accumulated     
           Common   Additional   Nonvested       Other     
   Shares   Common   Stock   Paid-in   Restricted   Accumulated   Comprehensive     
   Issued   Stock   Warrants   Capital   Stock   Deficit   Income   Total 
                                 
Balance December 31, 2014   6,664   $6,664   $48   $75,504   $(673)  $(8,286)  $1,271   $74,528 
Net income                            2,847         2,847 
Other comprehensive loss net of tax of $164                                 (319)   (319)
Issuance of restricted stock   13    13         137    (150)             — 
Restricted shares surrendered   (8)   (8)        (90)                  (98)
Amortization compensation restricted stock                       268              268 
Exercise of stock warrants   2    2    (2)                       — 
Dividends: Common ($0.14 per share)                            (913)        (913)
Dividend reinvestment plan   8    8         90                   98 
Balance, June 30, 2015   6,679   $6,679   $46   $75,641   $(555)  $(6,352)  $952   $76,411 
                                         
Balance December 31, 2015   6,690   $6,690   $46   $75,761   $(297)  $(3,992)  $830   $79,038 
Net income                            3,213         3,213 
Other comprehensive income net of tax of $1,552                                 3,013    3,013 
Issuance of restricted stock   22    22         275    (297)             — 
Amortization compensation restricted stock                       189              189 
Shares retired   (26)   (26)        (327)                  (353)
Issuance of common stock   1    1         13                   14 
Dividends: Common ($0.16 per share)                            (1,056)        (1,056)
Dividend reinvestment plan   12    12         141                   153 
Balance, June 30, 2016   6,699   $6,699   $46   $75,863   $(405)  $(1,835)  $3,843   $84,211 

 

See Notes to Consolidated Financial Statements 

7
 

FIRST COMMUNITY CORPORATION
CONSOLIDATED STATEMENTS OF CASH FLOWS
(Unaudited)
 
   Six months ended June 30, 
(Dollars in thousands)  2016   2015 
Cash flows from operating activities:          
 Net income  $3,213   $2,847 
 Adjustments to reconcile net income to net cash provided in operating activities:          
       Depreciation   657    613 
       Premium amortization   1,953    2,009 
       Provision for loan losses   357    797 
       Writedowns of other real estate owned   10    162 
       Loss (gain) on sale of other real estate owned   81    (5)
       Sale of loans held-for-sale   40,653    51,243 
       Originations of loans held-for-sale   (45,397)   (53,781)
       Amortization of intangibles   163    201 
       Accretion on acquired loans   (741)   (607)
       Gain on sale of securities   (123)   (271)
       Writedown of land held for sale   —    100 
       Loss on early extinguishment of debt   —    103 
       Decrease in other assets   158    1,098 
       Decrease in other liabilities   (277)   (1,220)
           Net cash provided from operating activities   705    3,289 
Cash flows from investing activities:          
 Purchase of investment securities available-for-sale and other investments   (31,005)   (21,341)
 Purchase of investment securities held-to-maturity   —    (6,065)
 Maturity of investment securities available-for-sale   16,903    19,127 
 Proceeds from sale of securities available-for-sale   14,126    17,061 
 Proceeds from sale of other investments   —    793 
 Increase in loans   (21,817)   (30,421)
 Proceeds from sale of other real estate owned   1,357    388 
 Purchase of property and equipment   (858)   (1,820)
         Net cash used in investing activities   (21,294)   (22,278)
Cash flows from financing activities:          
 Increase in deposit accounts   13,472    14,532 
 Increase in securities sold under agreements to repurchase   79    2,077 
 Advances from the Federal Home Loan Bank   50,500    29,500 
 Repayment of advances from Federal Home Loan Bank   (42,866)   (22,863)
 Restricted shares surrendered   (353)   (98)
 Issuance of common stock   14    — 
 Dividends paid: Common Stock   (1,056)   (913)
 Dividend reinvestment plan   153    98 
        Net cash provided from financing activities   19,943    22,333 
Net increase (decrease) in cash and cash equivalents   (646)   3,344 
Cash and cash equivalents at beginning of period   22,941    22,532 
Cash and cash equivalents at end of period  $22,295   $25,876 
Supplemental disclosure:          
 Cash paid during the period for:          
   Interest  $1,614   $1,754 
   Income taxes  $650   $1,460 
   Non-cash investing and financing activities:          
   Unrealized gain (loss) on securities  $3,013   $(319)
   Transfer of loans to foreclosed property  $347   $122 

 

See Notes to Consolidated Financial Statements 

8
 

Notes to Consolidated Financial Statements (Unaudited)

 

Note 1 - Basis of Presentation

 

In the opinion of management, the accompanying unaudited consolidated balance sheets, and the consolidated statements of income, comprehensive income, changes in shareholders’ equity, and the cash flows of First Community Corporation (the “Company”), present fairly in all material respects the Company’s financial position at June 30, 2016 and December 31, 2015, and the Company’s results of operations and cash flows for the three and six months ended June 30, 2016 and 2015. The results of operations for the three and six months ended June 30, 2016 are not necessarily indicative of the results that may be expected for the year ending December 31, 2016.

 

In the opinion of management, all adjustments necessary to fairly present the consolidated financial position and consolidated results of operations have been made. All such adjustments are of a normal, recurring nature. All significant intercompany accounts and transactions have been eliminated in consolidation. The consolidated financial statements and notes thereto are presented in accordance with the instructions for Form 10-Q. The information included in the Company’s 2015 Annual Report on Form 10-K should be referred to in connection with these unaudited interim financial statements.    

9
 

Note 2 – Earnings Per Common Share

 

The following reconciles the numerator and denominator of the basic and diluted earnings per common share computation:

 

(In thousands except average market price)

 

   Six months   Three months 
   Ended June 30,   Ended June 30, 
   2016   2015   2016   2015 
                     
Numerator (Net income)  $3,213   $2,847   $1,745   $1,443 
Denominator                    
Weighted average common shares outstanding for:                    
Basic earnings per share   6,554    6,534    6,584    6,539 
Dilutive securities:                    
Deferred compensation   38    50    38    50 
Warrants/Restricted stock – Treasury stock method   141    94    147    109 
Diluted earnings per share   6,733    6,678    6,769    6,698 
The average market price used in calculating assumed number of shares  $14.00   $12.12   $14.00   $12.12 

  

In the fourth quarter of 2011, we issued $2.5 million in 8.75% subordinated notes maturing December 16, 2019. On November 15, 2012, the subordinated notes were redeemed in full at par. Warrants for 107,500 shares of common stock at $5.90 per share were issued in connection with the issuance of the subordinated notes. At June 30, 2016 there were 97,180 warrants outstanding. These warrants expire on December 16, 2019 and are included in dilutive securities in the table above.

 

The Company has issued a total of 138,000 restricted shares under the terms of its compensation plans and employment agreements. The employee shares cliff vest over a three year period, and the non-employee director shares vest one year after issuance. The unrecognized compensation cost at June 30, 2016 for non-vested shares amounts to $405 thousand.

 

In 2006, the Company established a Non-Employee Director Deferred Compensation Plan, whereby a director may elect to defer all or any part of their annual retainer and monthly meeting fees payable with respect to service on the board of directors or a committee of the board. Units of common stock are credited to the director’s account at the time compensation is earned and are included in dilutive securities in the table above. At June 30, 2016 there were 99,050 units issued under the Plan. The accrued liability at June 30, 2016 amounted to $922.5 thousand and is included in “Other liabilities” on the balance sheet. 

10
 

Note 3—Investment Securities

 

The amortized cost and estimated fair values of investment securities at June 30, 2016 and December 31, 2015 are summarized below:

AVAILABLE-FOR-SALE:

(Dollars in thousands)  Amortized
Cost		   Gross
Unrealized
Gains		   Gross
Unrealized
Losses		   Fair Value 
June 30, 2016:                    
US Treasury securities  $1,542   $35   $—   $1,577 
Government sponsored enterprises    954    78    —    1,032 
Mortgage-backed securities    149,415    2,168    315    151,268 
Small Business Administration pools    55,223    476    348    55,351 
State and local government    52,595    3,663    —    56,258 
Corporate and other securities    1,882    —    53    1,829 
   $261,611   $6,420   $716   $267,315 
December 31, 2015:                    
US Treasury securities  $1,547   $—   $25   $1,522 
Government sponsored enterprises    950    42    —    992 
Mortgage-backed securities    146,935    498    1,172    146,261 
Small Business Administration pools    57,474    355    501    57,328 
State and local government    55,294    2,037    36    57,295 
Corporate and other securities    1,349    —    60    1,289 
   $263,549   $2,932   $1,794   $264,687 

 

HELD-TO-MATURITY:

(Dollars in thousands)  Amortized
Cost		   Gross
Unrealized
Gains		   Gross
Unrealized
Losses		   Fair Value 
June 30, 2016:                    
State and local government   $17,283   $817   $—   $18,100 
   $17,283   $817   $—   $18,100 
December 31, 2015:                    
State and local government   $17,371   $211   $27   $17,555 
   $17,371   $211   $27   $17,555 

 

During the six months ended June 30, 2016 and 2015, the Company received proceeds of $14.1 million and $17.1 million, respectively, from the sale of investment securities available-for-sale. For the six months ended June 30, 2016, gross realized gains totaled $123 thousand and there were no gross realized losses. For the six months ended June 30, 2015, gross realized gains totaled $271 thousand and there were no gross realized losses. During the three months ended June 30, 2016 and 2015, the Company received proceeds of $2.2 million and $10.1 million, respectively, from the sale of investment securities available-for-sale.  For the three months ended June 30, 2016, gross realized gains totaled $64 thousand and there were no gross realized losses. For the three months ended June 30, 2015, gross realized gains totaled $167 thousand and there were no gross realized losses.

 

At June 30, 2016, corporate and other securities available-for-sale included the following at fair value: mutual funds at $826.1 thousand, foreign debt of $60.2 thousand, and preferred stock in the amount of $950.0 thousand. At December 31, 2015, corporate and other securities available-for-sale included the following at fair value: mutual funds at $839.2 thousand, foreign debt of $60.3 thousand, and corporate preferred stock in the amount of $416.8 thousand.

 

Other investments, at cost, include Federal Home Loan Bank (“FHLB”) stock in the amount of $2.2 million and $1.8 million at June 30, 2016 and December 31, 2015, respectively.

11
 

The following tables show gross unrealized losses and fair values, aggregated by investment category and length of time that individual securities have been in a continuous loss position, at June 30, 2016 and December 31, 2015. There were no held-to-maturity securities with gross unrealized losses at June 30, 2016.

 

   Less than 12 months   12 months or more   Total 
June 30, 2016
(Dollars in thousands)		  Fair Value   Unrealized
Loss		   Fair Value   Unrealized
Loss		   Fair Value   Unrealized
Loss		 
Available-for-sale securities:                              
Government Sponsored Enterprise mortgage-backed securities   $13,693   $109   $15,017   $201   $28,710   $310 
Small Business Administration pools    6,708    16    24,810    331    31,518    347 
Non-agency mortgage-backed securities    159    2    250    4    409    6 
Corporate bonds and other    —    —    818    53    818    53 
Total   $20,560   $127   $40,895   $589   $61,455   $716 

 

   Less than 12 months   12 months or more   Total 
December 31, 2015
(Dollars in thousands)		  Fair Value   Unrealized
Loss		   Fair Value   Unrealized
Loss		   Fair Value   Unrealized
Loss		 
Available-for-sale securities:                              
US Treasury  $1,522   $25   $—   $—   $1,522   $25 
Government Sponsored Enterprise mortgage-backed securities    69,112    731    17,593    439    86,705    1,170 
Small Business Administration pools    13,386    153    25,709    348    39,095    501 
Non-agency mortgage-backed securities    —    —    186    2    186    2 
State and local government   1,461    8    1,362    28    2,823    36 
Corporate bonds and other    —    —    812    60    812    60 
Total   $85,481   $917   $45,662   $877   $131,143   $1,794 

 

   Less than 12 months   12 months or more   Total 
December 31, 2015
(Dollars in thousands)		  Fair Value   Unrealized
Loss		   Fair Value   Unrealized
Loss		   Fair Value   Unrealized
Loss		 
Held-to-maturity securities:                              
State and local government  $3,473   $24   $444   $3   $3,917   $27 
Total   $3,473   $24   $444   $3   $3,917   $27 

12
 

Note 3—Investment Securities - continued

Government Sponsored Enterprise, Mortgage-Backed Securities: The Company owned mortgage-backed securities (“MBSs”), including collateralized mortgage obligations (“CMOs”), issued by government sponsored enterprises (“GSEs”) with an amortized cost of $148.9 million and $146.9 million and approximate fair value of $150.8 million and $146.3 million at June 30, 2016 and December 31, 2015, respectively. As of June 30, 2016 and December 31, 2015, all of the MBSs issued by GSEs were classified as “Available for Sale.” Unrealized losses on certain of these investments are not considered to be “other than temporary,” and we have the intent and ability to hold these until they mature or recover the current book value. The contractual cash flows of the investments are guaranteed by the GSE. Accordingly, it is expected that the securities would not be settled at a price less than the amortized cost of the Company’s investment. Because the Company does not intend to sell these securities and it is more likely than not the Company will not be required sell these securities before a recovery of its amortized cost, which may be maturity, the Company does not consider the investments to be other-than-temporarily impaired at June 30, 2016. 

Non-agency Mortgage-Backed Securities: The Company held private label mortgage-backed securities (“PLMBSs”), including CMOs, at June 30, 2016 with an amortized cost of $480.4 thousand and approximate fair value of $475.7 thousand. The Company held PLMBSs, including CMOs, at December 31, 2015 with an amortized cost of $554.8 thousand and approximate fair value of $556.3 thousand. Management monitors each of these securities on a quarterly basis to identify any deterioration in the credit quality, collateral values and credit support underlying the investments. 

 

State and Local Governments and Other: Management monitors these securities on a quarterly basis to identify any deterioration in the credit quality. Included in the monitoring is a review of the credit rating, a financial analysis and certain demographic data on the underlying issuer. The Company does not consider these securities to be other-than-temporarily impaired at June 30, 2016. 

 

The following sets forth the amortized cost and fair value of investment securities at June 30, 2016 by contractual maturity. Expected maturities differ from contractual maturities because borrowers may have the right to call or prepay the obligations with or without prepayment penalties. MBSs are based on average life at estimated prepayment speeds.

 

   Available-for-sale   Held-to-maturity 
(Dollars in thousands)  Amortized
Cost		   Fair
Value		   Amortized
Cost		   Fair
Value		 
Due in one year or less   $8,059   $8,075   $—   $— 
Due after one year through five years    143,234    145,584    4,994    5,147 
Due after five years through ten years    100,893    104,248    12,289    12,953 
Due after ten years    9,425    9,408    —    — 
   $261,611   $267,315   $17,283   $18,100 

 

13
 

Note 4—Loans

 

Loans summarized by category as of June 30, 2016, December 31, 2015 and June 30, 2015 are as follows:

   June 30,   December 31,   June 30, 
(Dollars in thousands)  2016   2015   2015 
Commercial, financial and agricultural   $39,480   $37,809   $37,915 
Real estate:               
  Construction    42,253    35,829    30,392 
  Mortgage-residential   50,500    49,077    49,341 
  Mortgage-commercial   339,276    326,978    315,373 
Consumer:               
  Home equity    31,608    30,906    32,264 
  Other    8,186    8,592    8,731 
Total  $511,303   $489,191   $474,016 
14
 

Note 4—Loans-continued

 

The detailed activity in the allowance for loan losses and the recorded investment in loans receivable as of and for the six months ended June 30, 2016 and 2015 and for the year ended December 31, 2015 is as follows:

 

(Dollars in thousands)                     
           Real estate   Real estate                 
       Real estate   Mortgage   Mortgage   Consumer   Consumer         
   Commercial   Construction   Residential   Commercial   Home equity   Other   Unallocated   Total 
June 30, 2016                                        
Allowance for loan losses:                                        
Beginning balance December 31, 2015  $75   $51   $223   $2,036   $127   $37   $2,047   $4,596 
  Charge-offs   —    —    (1)   (58)   (8)   (33)   —    (100)
  Recoveries   3    —    5    8    2    6    —    24 
  Provisions   (7)   8    (20)   363    (28)   13    28    357 
Ending balance June 30, 2016  $71   $59   $207   $2,349   $93   $23   $2,075   $4,877 
                                         
Ending balances:                                        
  Individually evaluated for impairment  $—   $—   $—   $3   $—   $—   $—   $3 
                                         
  Collectively evaluated for impairment   71    59    207    2,346    93    23    2,075    4,874 
                                         
June 30, 2016 Loans receivable:                                        
Ending balance-total  $39,480   $42,253   $50,500   $339,276   $31,608   $8,186   $—   $511,303 
                                         
Ending balances:                                        
  Individually evaluated for impairment   1    —    718    5,353    30    —    —    6,102 
                                         
  Collectively evaluated for impairment  $39,479   $42,253   $49,782   $333,923   $31,578   $8,186   $—   $505,201 
15
 

Note 4—Loans-continued

(Dollars in thousands)                   
           Real estate   Real estate                 
       Real estate   Mortgage   Mortgage   Consumer   Consumer         
   Commercial   Construction   Residential   Commercial   Home equity   Other   Unallocated   Total 
June 30, 2015                                        
Allowance for loan losses:                                        
Beginning balance December 31, 2014  $67   $45   $179   $1,572   $134   $44   $2,091   $4,132 
  Charge-offs   (56)   —    (26)   (625)   —    (27)   —    (734)
  Recoveries   3    —    2    5    2    74    —    86 
  Provisions   207    79    24    822    (17)   (31)   (287)   797 
Ending balance June 30, 2015  $221   $124   $179   $1,774   $119   $60   $1,804   $4,281 
                                         
Ending balances:                                        
  Individually evaluated for impairment  $—   $—   $3   $1   $—   $—   $—   $4 
                                         
  Collectively evaluated for impairment   221    124    176    1,773    119    60    1,804    4,277 
                                         
June 30, 2015 Loans receivable:                                        
Ending balance-total  $37,915   $30,392   $49,341   $315,373   $32,264   $8,731   $—   $474,016 
                                         
Ending balances:                                        
  Individually evaluated for impairment   13    —    997    5,924    89    —    —    7,023 
                                         
  Collectively evaluated for impairment  $37,902   $30,392   $48,344   $309,449   $32,175   $8,731   $—   $466,993 
16
 

Note 4—Loans-continued

(Dollars in thousands)                     
           Real estate   Real estate                 
       Real estate   Mortgage   Mortgage   Consumer   Consumer         
   Commercial   Construction   Residential   Commercial   Home equity   Other   Unallocated   Total 
December 31, 2015                                        
Allowance for loan losses:                                        
Beginning balance December 31, 2014  $67   $45   $179   $1,572   $134   $44   $2,091   $4,132 
  Charge-offs   (69)   —    (50)   (626)   —    (62)   —    (807)
  Recoveries   6    —    7    33    3    84    —    133 
  Provisions   71    6    87    1,057    (10)   (29)   (44)   1,138 
Ending balance December 31, 2015  $75   $51   $223   $2,036   $127   $37   $2,047   $4,596 
                                         
Ending balances:                                        
  Individually evaluated for impairment  $—   $—   $3   $—   $—   $—   $—   $3 
                                         
  Collectively evaluated for impairment   75    51    220    2,036    127    37    2,047    4,593 
                                         
December 31, 2015 Loans receivable:                                        
Ending balance-total  $37,809   $35,829   $49,077   $326,978   $30,906   $8,592   $—   $489,191 
                                         
Ending balances:                                        
  Individually evaluated for impairment   9    —    848    5,620    —    —    —    6,477 
                                         
  Collectively evaluated for impairment  $37,800   $35,829   $48,229   $321,358   $30,906   $8,592   $—   $482,714 

Loans outstanding and available lines of credit to bank directors, executive officers and their related business interests totaled $8.8 million and $8.4 million at June 30, 2016 and 2015, respectively. Repayments on these loans during the six months ended June 30, 2016 were $378.9 thousand and there were no new loans made. During the six months ended June 30, 2015, repayments on these loans totaled $1.2 million and loans made totaled $1.7 million. Related party loans are made on substantially the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with unrelated persons and generally do not involve more than the normal risk of collectability.

17
 

Note 4—Loans-continued 

The detailed activity in the allowance for loan losses as of and for the three months ended June 30, 2016 and the three months ended June 30, 2015 is as follows:

(Dollars in thousands)                         
           Real estate   Real estate                 
       Real estate   Mortgage   Mortgage   Consumer   Consumer         
   Commercial   Construction   Residential   Commercial   Home equity   Other   Unallocated   Total 
2016                                        
Allowance for loan losses:                                        
Beginning balance March 31, 2016  $73   $57   $237   $2,001   $87   $26   $2,206   $4,687 
  Charge-offs   —    —    (1)   (13)   (8)   (15)   —    (37)
  Recoveries   1    —    3    2    1    3    —    10 
  Provisions   (3)   2    (32)   359    13    9    (131)   217 
Ending balance June 30, 2016  $71   $59   $207   $2,349   $93   $23   $2,075   $4,877 

 

(Dollars in thousands)                         
           Real estate   Real estate                 
       Real estate   Mortgage   Mortgage   Consumer   Consumer         
   Commercial   Construction   Residential   Commercial   Home equity   Other   Unallocated   Total 
2015                                        
Allowance for loan losses:                                        
Beginning balance March 31, 2015  $210   $134   $243   $1,580   $121   $58   $1,906   $4,252 
  Charge-offs   —    —    (26)   (334)   —    (16)   —    (376)
  Recoveries   1    —    1    1    1    10    —    14 
  Provisions   10    (10)   (39)   527    (3)   8    (102)   391 
Ending balance June 30, 2015  $221   $124   $179   $1,774   $119   $60   $1,804   $4,281 

  

The following table presents at June 30, 2016 and December 31, 2015 loans individually evaluated and considered impaired under Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”) 310 “Accounting by Creditors for Impairment of a Loan.” Impairment includes performing troubled debt restructurings (“TDRs”).

 

(Dollars in thousands)  June 30,   December 31, 
   2016   2015 
Total loans considered impaired   $6,102   $6,477 
Loans considered impaired for which there is a related allowance for loan loss:          
Outstanding loan balance    48    49 
Related allowance    3    3 
Loans considered impaired and previously written down to fair value    6,054    6,428 
Average impaired loans    9,729    9,518 

18
 

Note 4—Loans-continued

 

The following tables are by loan category and present at June 30, 2016, December 31, 2015 and June 30, 2015 loans individually evaluated and considered impaired under FASB ASC 310 “Accounting by Creditors for Impairment of a Loan.” Impairment includes performing TDRs.

 

(Dollars in thousands)              Six months ended   Three months ended 
       Unpaid       Average   Interest   Average   Interest 
June 30, 2016  Recorded   Principal   Related   Recorded   Income   Recorded   Income 
   Investment   Balance   Allowance   Investment   Recognized   Investment   Recognized 
With no allowance recorded:                                   
  Commercial  $1   $1   $—   $6   $—   $3   $— 
  Real estate:                                   
    Construction   —    —    —    —    —    —    — 
    Mortgage-residential   670    687    —    794    1    837    1 
    Mortgage-commercial   5, 353    7,855    —    8,851    50    8,796    24 
  Consumer:                                   
    Home Equity   30    30    —    30    —    30    — 
    Other   —    —    —    —    —    —    — 
                                    
With an allowance recorded:                                   
  Commercial   —    —    —    —    —    —    — 
  Real estate:                                   
    Construction   —    —    —    —    —    —    — 
    Mortgage-residential   48    48    3    48    1    48    1 
    Mortgage-commercial   —    —    —    —    —    —    — 
  Consumer:                                   
    Home Equity   —    —    —    —    —    —    — 
    Other   —    —    —    —    —    —    — 
                                    
Total:                                   
  Commercial  $1   $1   $—   $6   $—   $3   $— 
  Real estate:                                   
    Construction   —    —    —    —    —    —    — 
    Mortgage-residential   718    735    3    842    1    837    1 
    Mortgage-commercial   5, 353    7,855    —    8,851    50    8,796    24 
  Consumer:                                   
    Home Equity   30    30    —    30    —    30    — 
    Other   —    —    —    —    —    —    — 
   $6,102   $8,621   $3   $9,729   $51   $9,666   $25 
19
 

Note 4—Loans-continued

(Dollars in thousands)              Six months ended   Three months ended 
       Unpaid       Average   Interest   Average   Interest 
June 30, 2015  Recorded   Principal   Related   Recorded   Income   Recorded   Income 
   Investment   Balance   Allowance   Investment   Recognized   Investment   Recognized 
With no allowance recorded:                                   
  Commercial  $13   $13   $—   $15   $1   $14   $— 
  Real estate:                                   
    Construction   —    —    —    —    —    —    — 
    Mortgage-residential   946    1,201    —    1,207    14    1,204    8 
    Mortgage-commercial   5,890    8,327    —    8,428    165    8,073    79 
  Consumer:                                   
    Home Equity   89    95    —    96    2    97    1 
    Other   —    —    —    —    —    —    — 
                                    
With an allowance recorded:                                   
  Commercial   —    —    —    —    —    —    — 
  Real estate:                                   
    Construction   —    —    —    —    —    —    — 
    Mortgage-residential   51    51    3    52    2    51    — 
    Mortgage-commercial   34    34    1    34    1    346    — 
  Consumer:                                   
    Home Equity   —    —    —    —    —    —    — 
    Other   —    —    —    —    —    —    — 
                                    
Total:                                   
  Commercial  $13   $13   $—   $15   $1   $14   $— 
  Real estate:                                   
    Construction   —    —    —    —    —    —    — 
    Mortgage-residential   997    1,252    3    1,259    16    1,255    8 
    Mortgage-commercial   5,924    8,361    1    8,462    166    8,419    79 
  Consumer:                                   
    Home Equity   89    95    —    96    2    97    1 
    Other   —    —    —    —    —    —    — 
   $7,023   $9,721   $4   $9,832   $185   $9,785   $88 
20
 

Note 4—Loans-continued

(Dollars in thousands)                    
December 31, 2015      Unpaid       Average   Interest 
   Recorded   Principal   Related   Recorded   Income 
   Investment   Balance   Allowance   Investment   Recognized 
With no allowance recorded:                         
  Commercial  $9   $9   $—   $13   $— 
  Real estate:                         
    Construction   —    —    —    —    — 
    Mortgage-residential   799    874    —    1,082    1 
    Mortgage-commercial   5,620    7,548    —    8,372    60 
  Consumer:                         
    Home Equity   —    —    —    —    — 
    Other   —    —    —    —    — 
                          
With an allowance recorded:                         
  Commercial   —    —    —    —    — 
  Real estate:                         
    Construction   —    —    —    —    — 
    Mortgage-residential   49    49    3    51    3 
    Mortgage-commercial   —    —    —    —    — 
  Consumer:                         
    Home Equity   —    —    —    —    — 
    Other   —    —    —    —    — 
                          
Total:                         
  Commercial   9    9    —    13    — 
  Real estate:                         
    Construction   —    —    —    —    — 
    Mortgage-residential   848    923    3    1,133    4 
    Mortgage-commercial   5,620    7,548    —    8,372    60 
  Consumer:                         
    Home Equity   —    —    —    —    — 
    Other   —    —    —    —    — 
   $6,477   $8,480   $3   $9,518   $64 

  

The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt, including: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. The Company analyzes loans individually by classifying the loans as to credit risk. This analysis is performed on a monthly basis. The Company uses the following definitions for risk ratings:

 

Special Mention. Loans classified as special mention have a potential weakness that deserves management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of the institution’s credit position at some future date. Special mention assets are not adversely classified and do not expose an institution to sufficient risk to warrant adverse classification.

 

Substandard. Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected.

 

Doubtful. Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with 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.

 

Loans not meeting the criteria above that are analyzed individually as part of the above described process are considered as pass rated loans. As of June 30, 2016 and December 31, 2015, and based on the most recent analysis performed, the risk category of loans by class of loans is shown in the table below. As of June 30, 2016 and December 31, 2015, no loans were classified as doubtful.

21
 

Note 4—Loans-continued 

(Dollars in thousands)                    
June 30, 2016      Special             
   Pass   Mention   Substandard   Doubtful   Total 
Commercial, financial & agricultural   $39,247   $232   $1   $—   $39,480 
Real estate:                         
   Construction    41,912    341    —    —    42,253 
   Mortgage – residential    48,742    776    982    —    50,500 
   Mortgage – commercial    320,094    11,775    7,407    —    339,276 
Consumer:                         
  Home Equity    31,274    173    161    —    31,608 
  Other    8,185    —    1    —    8,186 
Total   $489,454   $13,297   $8,552   $—   $511,303 

 

(Dollars in thousands)                    
December 31, 2015      Special             
   Pass   Mention   Substandard   Doubtful   Total 
Commercial, financial & agricultural   $37,501   $299   $9   $—   $37,809 
Real estate:                         
   Construction    35,374    455    —    —    35,829 
   Mortgage – residential    46,580    1,378    1,119    —    49,077 
   Mortgage – commercial    310,367    7,555    9,056    —    326,978 
Consumer:                         
  Home Equity    30,587    180    139    —    30,906 
  Other    8,587    1    4    —    8,592 
Total   $468,996   $9,868   $10,327   $—   $489,191 

 

At June 30, 2016 and December 31, 2015, non-accrual loans totaled $4.5 million and $4.8 million, respectively.

 

TDRs that are still accruing and included in impaired loans at June 30, 2016 and December 31, 2015 amounted to $1.6 million and $1.6 million, respectively. TDRs in non-accrual status at June 30, 2016 and December 31, 2015 amounted to $1.5 million and $1.8 million, respectively.

 

Loans greater than 90 days delinquent and still accruing interest were $38.1 thousand as of June 30, 2016. There were no loans greater than 90 days delinquent and still accruing interest as of December 31, 2015.

22
 


Note 4—Loans-continued

 

We account for acquisitions under FASB ASC Topic 805, Business Combinations, which requires the use of the acquisition method of accounting. All identifiable assets acquired, including loans, are recorded at fair value. No allowance for loan losses related to the acquired loans is recorded on the acquisition date because the fair value of the loans acquired incorporates assumptions regarding credit risk.

 

Acquired credit-impaired loans are accounted for under the accounting guidance for loans and debt securities acquired with deteriorated credit quality, found in FASB ASC Topic 310-30, Receivables—Loans and Debt Securities Acquired with Deteriorated Credit Quality, and initially measured at fair value, which includes estimated future credit losses expected to be incurred over the life of the loans. Loans acquired in business combinations with evidence of credit deterioration are considered impaired. Loans acquired through business combinations that do not meet the specific criteria of FASB ASC Topic 310-30, but for which a discount is attributable, at least in part to credit quality, are also accounted for under this guidance. Certain acquired loans, including performing loans and revolving lines of credit (consumer and commercial), are accounted for in accordance with FASB ASC Topic 310-20, where the discount is accreted through earnings based on estimated cash flows over the estimated life of the loan.

 

Purchase credit impaired (“PCI”) loans acquired totaled $4.2 million at estimated fair value, and acquired performing loans totaling $102.3 million at estimated fair value were not credit impaired. The gross contractual amount receivable for PCI loans and acquired performing loans was approximately $5.7 million and $116.0 million, respectively, as of the acquisition date. For the acquired performing loans, the best estimate at acquisition date of contractual cash flows not expected to be collected is $825 thousand. Determining the fair value of PCI loans at acquisition required the Company to estimate cash flows expected to result from those loans and to discount those cash flows at appropriate rates of interest. For such loans, the excess of cash flows expected to be collected at acquisition over the estimated fair value is recognized as interest income over the remaining lives of the loans and is called the accretable yield. The difference between contractually required payments at acquisition and the cash flows expected to be collected at acquisition reflects the impact of estimated credit losses and is called the nonaccretable difference. In accordance with GAAP, there was no carry-over of previously established allowance for credit losses from the acquired company.

 

In conjunction with the acquisition of Savannah River Financial Corporation of Augusta, Georgia, the bank holding

company for Savannah River Banking Company (“Savannah River”), on February 1, 2014, the acquired PCI loan portfolio was accounted for at fair value as follows: 

 

(Dollars in thousands)  February 1, 2014 
     
Contractual principal and interest at acquisition  $5,717 
Nonaccretable difference   (1,205)
Expected cash flows at acquisition   4,512 
Accretable yield   (272)
Basis in PCI loans at acquisition – estimated fair value  $4,240 
23
 

Note 4—Loans-continued

 

A summary of changes in the accretable yield for PCI loans for the three and six months ended June 30, 2016 and 2015 follows (in thousands): 

 

   Three Months
Ended
June 30, 2016		   Six Months
Ended
June 30, 2016		 
         
Accretable yield, beginning of period  $50   $92 
           
Accretion   (91)   (133)
Reclassification of nonaccretable difference due to improvement in
    expected cash flows		   94    94 
Accretable yield, end of period  $53   $53 

 

   Three Months
Ended
June 30, 2015		   Six Months
Ended
June 30, 2015		 
         
Accretable yield, beginning of period  $28   $75 
           
Accretion   (34)   (471)
Reclassification of nonaccretable difference due to improvement in
    expected cash flows		   141    531 
Accretable yield, end of period  $135   $135 
24
 

Note 4—Loans-continued

The following tables are by loan category and present loans past due and on non-accrual status as of June 30, 2016 and December 31, 2015:

(Dollars in thousands)
 
June 30, 2016		  30-59
Days
Past Due		   60-89
Days Past
Due		   Greater than
90 Days
and
Accruing		   Nonaccrual   Total
Past Due		   Current   Total Loans 
Commercial  $163   $—   $—   $1   $164   $39,316   $39,480 
Real estate:                                   
  Construction   288    —    —    —    288    41,965    42,253 
  Mortgage-residential   319    —    —    670    989    49,511    50,500 
  Mortgage-commercial   413    455    —    3,801    4,669    334,607    339,276 
Consumer:                                   
  Home equity   62    70    31    30    193    31,415    31,608 
  Other   40    2    7    —    49    8,137    8,186 
Total  $1,285   $527   $38   $4,502   $6,352   $504,951   $511,303 

 

(Dollars in thousands)
 
December 31, 2015		  30-59
Days
Past Due		   60-89
Days Past
Due		   Greater than
90 Days
and
Accruing		   Nonaccrual   Total
Past Due		   Current   Total Loans 
Commercial  $5   $—   $—   $9   $14   $37,795   $37,809 
Real estate:                                   
  Construction   —    —    —    —    —    35,829    35,829 
  Mortgage-residential   126    195    —    799    1,120    47,957    49,077 
  Mortgage-commercial   1,180    290    —    4,031    5,501    321,477    326,978 
Consumer:                                   
  Home equity   135    —    —    —    135    30,771    30,906 
  Other   4    4    —    —    8    8,584    8,592 
Total  $1,450   $489   $—   $4,839   $6,778   $482,413   $489,191 
25
 

Note 4—Loans-continued

The Company reviews TDRs in accordance with applicable regulatory and accounting guidance

 

There were no loans determined to be TDRs that were restructured during the three and six month periods ended June 30, 2015 or the three month period ended June 30, 2016.

 

The following table, by loan category, presents one loan determined to be a TDR during the six month period ended June 30, 2016. The loan was modified to extend the term of the loan due to financial hardship of the borrower. The loan was subsequently paid off in June 2016.

 

Troubled Debt Restructurings  For the six months ended June 30, 2016 
(Dollars in thousands)  Number
of
Contracts		   Pre-Modification
Outstanding
Recorded
Investment		   Post-Modification
Outstanding
Recorded
Investment		 
Accrual               
  Mortgage-Commercial   1   $413   $413 
Total Accrual   1   $413   $413 
                
Total TDRs   1   $413   $413 

  

During the three and six month periods ended June 30, 2016 and 2015, there were no loans determined to be TDRs in the previous twelve months that had payment defaults. Defaulted loans are those loans that are greater than 89 days past due.

 

In the determination of the allowance for loan losses, all TDRs are reviewed to ensure that one of the three proper valuation methods (fair market value of the collateral, present value of cash flows, or observable market price) is adhered to. All non-accrual loans are written down to their corresponding collateral value. All troubled TDR accruing loans that have a loan balance that exceeds the present value of cash flows will have a specific allocation. All nonaccrual loans are considered impaired. Under ASC 310-10, a loan is impaired when it is probable that the Company will be unable to collect all amounts due including both principal and interest according to the contractual terms of the loan agreement. 

26
 

Note 5 - Recently Issued Accounting Pronouncements

 

 

In May 2014, the FASB issued guidance to change the recognition of revenue from contracts with customers. The core principle of the new guidance is that an entity should recognize revenue to reflect the transfer of goods and services to customers in an amount equal to the consideration the entity receives or expects to receive. The guidance will be effective for the Company for reporting periods beginning after December 15, 2017. The Company will apply the guidance using a modified retrospective approach. The Company does not expect these amendments to have a material effect on its financial statements.

 

In January 2015, the FASB issued guidance to eliminate from U.S. GAAP the concept of an extraordinary item, which is an event or transaction that is both (1) unusual in nature and (2) infrequently occurring. Under the new guidance, an entity will no longer (1) segregate an extraordinary item from the results of ordinary operations; (2) separately present an extraordinary item on its income statement, net of tax, after income from continuing operations; or (3) disclose income taxes and earnings-per-share data applicable to an extraordinary item. The amendments became effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015. The Company does not expect these amendments to have a material effect on its financial statements.

 

In February 2015, the FASB issued guidance which amends the consolidation requirements and significantly changes the consolidation analysis required under U.S. GAAP. Although the amendments are expected to result in the deconsolidation of many entities, the Company will need to reevaluate all its previous consolidation conclusions. The amendments became effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015. The Company does not expect these amendments to have a material effect on its financial statements.

 

In April 2015, the FASB issued guidance which changes the presentation of debt issuance costs. The amendments became effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015. The Company does not expect these amendments to have a material effect on its financial statements.

 

In April 2015, the FASB issued guidance which provides a practical expedient that permits the Company to measure defined benefit plan assets and obligations using the month-end that is closest to the Company’s fiscal year-end. The amendments became effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015. The Company does not expect these amendments to have a material effect on its financial statements.

 

In April 2015, the FASB issued guidance which provides guidance to customers about whether a cloud computing arrangement includes a software license. The amendments became effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015. The Company does not expect these amendments to have a material effect on its financial statements.

 

In May 2015, the FASB issued guidance which removes the requirement to categorize within the fair value hierarchy all investments for which fair value is measured using the net asset value per share practical expedient. The amendments became effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015. The Company does not expect these amendments to have a material effect on its financial statements.

 

In August 2015, the FASB deferred the effective date of ASU 2014-09, Revenue from Contracts with Customers. As a result of the deferral, the guidance in ASU 2014-09 will be effective for the Company for reporting periods beginning after December 15, 2017. The Company will apply the guidance using a modified retrospective approach. The Company does not expect these amendments to have a material effect on its financial statements.

 

In August 2015, the FASB issued amendments to the Interest topic of the Accounting Standards Codification to clarify the SEC staff’s position on presenting and measuring debt issuance costs incurred in connection with line-of-credit arrangements. The amendments were effective upon issuance. The Company does not expect these amendments to have a material effect on its financial statements.

27
 

Note 5 - Recently Issued Accounting Pronouncements-continued 

 

In September 2015, the FASB amended the Business Combinations topic of the Accounting Standards Codification to simplify the accounting for adjustments made to provisional amounts recognized in a business combination by eliminating the requirement to retrospectively account for those adjustments. The amendments became effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015. All entities are required to apply the amendments prospectively to adjustments to provisional amounts that occur after the effective date. The Company does not expect these amendments to have a material effect on its financial statements.

 

In November 2015, the FASB amended the Income Taxes topic of the Accounting Standards Codification to simplify the presentation of deferred income taxes by requiring that deferred tax liabilities and assets be classified as noncurrent in a classified statement of financial position. The amendments will be effective for financial statements issued for annual periods beginning after December 15, 2016, and interim periods within those annual periods. The Company will apply the guidance prospectively. The Company does not expect these amendments to have a material effect on its financial statements.

 

In January 2016, the FASB amended the Financial Instruments topic of the Accounting Standards Codification to address certain aspects of recognition, measurement, presentation, and disclosure of financial instruments. The amendments will be effective for fiscal years beginning after December 15, 2017, including interim periods within those fiscal years. The Company will apply the guidance by means of a cumulative-effect adjustment to the balance sheet as of the beginning of the fiscal year of adoption. The amendments related to equity securities without readily determinable fair values will be applied prospectively to equity investments that exist as of the date of adoption of the amendments. The Company does not expect these amendments to have a material effect on its financial statements.

 

In February 2016, the FASB amended the Leases topic of the Accounting Standards Codification to revise certain aspects of recognition, measurement, presentation, and disclosure of leasing transactions. The amendments will be effective for fiscal years beginning after December 15, 2018, including interim periods within those fiscal years.- The Company is currently evaluating the effect that implementation of the new standard will have on its financial position, results of operations, and cash flows.

 

In March 2016, the FASB amended the Liabilities topic of the Accounting Standards Codification to address the current and potential future diversity in practice related to the derecognition of a prepaid stored-value product liability. The amendments will be effective for financial statements issued for fiscal years beginning after December 15, 2017, including interim periods within those fiscal years. The Company will apply the guidance using a modified retrospective transition method by means of a cumulative-effect adjustment to retained earnings as of the beginning of the fiscal year in which the guidance is effective to each period presented. The Company does not expect these amendments to have a material effect on its financial statements.

 

In March 2016, the FASB amended the Derivatives and Hedging topic of the Accounting Standards Codification to clarify that a change in the counterparty to a derivative instrument that has been designated as the hedging instrument does not, in and of itself, require dedesignation of that hedging relationship provided that all other hedge accounting criteria continue to be met. The amendments will be effective for financial statements issued for fiscal years beginning after December 15, 2016, including interim periods within those fiscal years. The Company will apply the guidance prospectively to each period presented. The Company does not expect these amendments to have a material effect on its financial statements.

 

In March 2016, the FASB amended the Investments—Equity Method and Joint Ventures topic of the Accounting Standards Codification to eliminate the requirement to retroactively adopt the equity method of accounting. The amendments are effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2016. The Company will apply the guidance prospectively upon their effective date to increases in the level of ownership interest or degree of influence that result in the adoption of the equity method. The Company does not expect these amendments to have a material effect on its financial statements.

28
 

Note 5 - Recently Issued Accounting Pronouncements-continued

  

In March 2016, the FASB amended the Revenue from Contracts with Customers topic of the Accounting Standards Codification to clarify the implementation guidance on principal versus agent considerations and address how an entity should assess whether it is the principal or the agent in contracts that include three or more parties. The amendments will be effective for the Company for reporting periods beginning after December 15, 2017. The Company does not expect these amendments to have a material effect on its financial statements.

 

In March 2016, the FASB issued guidance to simplify several aspects of the accounting for share-based payment award transactions including the income tax consequences, the classification of awards as either equity or liabilities, and the classification on the statement of cash flows. Additionally, the guidance simplifies two areas specific to entities other than public business entities allowing them to apply a practical expedient to estimate the expected term for all awards with performance or service conditions that have certain characteristics and also allowing them to make a one-time election to switch from measuring all liability-classified awards at fair value to measuring them at intrinsic value. The amendments will be effective for the Company for annual periods beginning after December 15, 2016 and interim periods within those annual periods. The Company does not expect these amendments to have a material effect on its financial statements.

 

In April 2016, the FASB amended the Revenue from Contracts with Customers topic of the Accounting Standards Codification to clarify guidance related to identifying performance obligations and accounting for licenses of intellectual property. The amendments will be effective for the Company for reporting periods beginning after December 15, 2017. The Company does not expect these amendments to have a material effect on its financial statements.

 

In May 2016, the FASB amended the Revenue from Contracts with Customers topic of the Accounting Standards Codification to clarify guidance related to collectability, noncash consideration, presentation of sales tax, and transition. The amendments will be effective for the Company for reporting periods beginning after December 15, 2017. The Company does not expect these amendments to have a material effect on its financial statements.

 

In June 2016, the FASB issued guidance to change the accounting for credit losses and modify the impairment model for certain debt securities. The amendments will be effective for the Company for reporting periods beginning after December 15, 2019. The Company is currently evaluating the effect that implementation of the new standard will have on its financial position, results of operations, and cash flows.

 

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 financial position, results of operations or cash flows.

29
 

Note 6– Fair Value of Financial Instruments

 

The Company adopted FASB ASC Fair Value Measurement Topic 820, which defines fair value, establishes a framework for measuring fair value, and expands disclosures about fair value measurements. ASC 820 defines fair value as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. ASC 820 also establishes a fair value hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The standard describes three levels of inputs that may be used to measure fair value:

 

Level l

Quoted prices in active markets for identical assets or liabilities.

 

Level 2

Observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities.

 

Level 3 Unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities. Level 3 assets and liabilities include financial instruments whose value is determined using pricing models, discounted cash flow methodologies, or similar techniques, as well as instruments for which the determination of fair value requires significant management judgment or estimation.

 

FASB ASC 825-10-50 “Disclosure about Fair Value of Financial Instruments”, requires the Company to disclose estimated fair values for its financial instruments. Fair value estimates, methods, and assumptions are set forth below.

 

Cash and Short Term Investments - The carrying amount of these financial instruments (cash and due from banks, interest-bearing bank balances, federal funds sold and securities purchased under agreements to resell) approximates fair value. All mature within 90 days and do not present unanticipated credit concerns and are classified as Level 1.

 

Investment Securities - Measurement is on a recurring basis based upon quoted market prices, if available. If quoted market prices are not available, fair values are measured using independent pricing models or other model-based valuation techniques such as the present value of future cash flows, adjusted for prepayment assumptions, projected credit losses, and liquidity. Level 1 securities include those traded on an active exchange, such as the New York Stock Exchange, or by dealers or brokers in active over-the-counter markets. Level 2 securities include MBSs issued both by government sponsored enterprises and PLMBSs. Generally these fair values are priced from established pricing models. Level 3 securities include corporate debt obligations and asset–backed securities that are less liquid or for which there is an inactive market.

 

Loans Held for Sale - The Company originates fixed rate residential loans on a servicing released basis in the secondary market. Loans closed but not yet settled with an investor, are carried in the Company’s loans held for sale portfolio. These loans are fixed rate residential loans that have been originated in the Company’s name and have closed. Virtually all of these loans have commitments to be purchased by investors at a locked in price with the investors on the same day that the loan was locked in with the company’s customers. Therefore, these loans present very little market risk for the Company and are classified as Level 2. The carrying amount of these loans approximates fair value.

 

Loans - The fair value of loans are estimated by discounting the future cash flows using the current rates at which similar loans would be made to borrowers with similar credit ratings and for the same remaining maturities and are classified as Level 2. As discount rates are based on current loan rates as well as management estimates, the fair values presented may not be indicative of the value negotiated in an actual sale. Loans which are deemed to be impaired are primarily valued on a nonrecurring basis at the fair value of the underlying real estate collateral. Such fair values are obtained using independent appraisals, which the Company considers to be Level 3 inputs.

30
 

Note 6 – Fair Value of Financial Instruments - continued

 

Other Real Estate Owned (OREO) - OREO is carried at the lower of carrying value or fair value on a non-recurring basis. Fair value is based upon independent appraisals or management’s estimation of the collateral and is considered a Level 3 measurement.

 

Accrued Interest Receivable - The fair value approximates the carrying value and is classified as Level 1.

 

Deposits - The fair value of demand deposits, savings accounts, and money market accounts is the amount payable on demand at the reporting date. The fair value of fixed-maturity certificates of deposits is estimated by discounting the future cash flows using rates currently offered for deposits of similar remaining maturities. Deposits are classified as Level 2.

 

Federal Home Loan Bank Advances - Fair value is estimated based on discounted cash flows using current market rates for borrowings with similar terms and are classified as Level 2.

 

Short Term Borrowings - The carrying value of short term borrowings (securities sold under agreements to repurchase and demand notes to the Treasury) approximates fair value. These are classified as Level 2.

 

Junior Subordinated Debentures - The fair values of junior subordinated debentures is estimated by using discounted cash flow analyses based on incremental borrowing rates for similar types of instruments. These are classified as Level 2.

 

Accrued Interest Payable -The fair value approximates the carrying value and is classified as Level 1.

 

Commitments to Extend Credit - The fair value of these commitments is immaterial because their underlying interest rates approximate market.

31
 

Note 6 – Fair Value of Financial Instruments - continued

 

The carrying amount and estimated fair value by classification level of the Company’s financial instruments as of June 30, 2016 and December 31, 2015 are as follows:

 

   June 30, 2016 
       Fair Value 
(Dollars in thousands)  Carrying
Amount		   Total   Level 1   Level 2   Level 3 
Financial Assets:                         
 Cash and short term investments   $22,295   $22,295   $22,295   $—   $— 
 Held-to-maturity securities   17,283    18,100    —    18,100    — 
 Available-for-sale securities    267,315    267,315    818    265,547    950 
 Other investments, at cost    2,168    2,168    —    —    2,168 
 Loans held for sale    7,707    7,707    —    7,707    — 
 Net loans receivable    506,426    505,415    —    499,316    6,099 
 Accrued interest    2,934    2,934    2,934    —    — 
Financial liabilities:                         
 Non-interest bearing demand   $170,976   $170,976   $—   $170,976   $— 
 NOW and money market accounts    318,875    318,875    —    318,875    — 
 Savings    63,887    63,887    —    63,887    — 
 Time deposits    175,885    176,141    —    176,141    — 
 Total deposits    729,623    729,879    —    729,879    — 
 Federal Home Loan Bank Advances    32,445    33,993    —    33,993    — 
 Short term borrowings    21,112    21,112    —    21,112    — 
 Junior subordinated debentures    14,964    14,961    —    14,961    — 
 Accrued interest payable    621    621    621    —    — 

 

   December 31, 2015 
       Fair Value 
(Dollars in thousands)  Carrying
Amount		   Total   Level 1   Level 2   Level 3 
Financial Assets:                         
 Cash and short term investments   $22,941   $22,941   $22,941   $—   $— 
 Held-to-maturity securities   17,371    17,555    —    17,555    — 
 Available-for-sale securities    264,687    264,687    812    263,458    417 
 Other investments, at cost    1,783    1,783    —    —    1,783 
 Loans held for sale    2,962    2,962    —    2,962    — 
 Net loans receivable    484,595    484,669    —    478,195    6,474 
 Accrued interest    2,877    2,877    2,877    —    — 
Financial liabilities:                         
 Non-interest bearing demand deposits   $156,247   $156,247   $—   $156,247   $— 
 NOW and money market accounts    318,308    318,308    —    318,308    — 
 Savings    60,699    60,699    —    60,699    — 
 Time deposits    180,897    181,325    —    181,325    — 
 Total deposits    716,151    716,579    —    716,579    — 
 Federal Home Loan Bank Advances    24,788    25,841    —    25,841    — 
 Short term borrowings    21,033    21,033    —    21,033    — 
 Junior subordinated debentures    14,964    14,954    —    14,954    — 
 Accrued interest payable    652    652    652    —    — 
32
 

Note 6 – Fair Value of Financial Instruments - continued

 

The following tables summarize quantitative disclosures about the fair value for each category of assets carried at fair value as of June 30, 2016 and December 31, 2015 that are measured on a recurring basis. There were no liabilities carried at fair value as of June 30, 2016 or December 31, 2015 that are measured on a recurring basis.

 

(Dollars in thousands)

Description  June 30,
2016		   Quoted
Prices in
Active
Markets for
Identical
Assets
(Level 1)		   Significant
Other
Observable
Inputs
(Level 2)		   Significant
Unobservable
Inputs
(Level 3)		 
Available for sale securities                    
US Treasury  $1,577   $—   $1,577   $— 
Government sponsored enterprises    1,032    —    1,032   $— 
Mortgage-backed securities    151,268    —    151,268    — 
Small Business Administration securities    55,351    —    55,351    — 
State and local government    56,258    —    56,258    — 
Corporate and other securities    1,829    818    61    950 
               Total   $267,315   $818   $265,547   $950 

  

(Dollars in thousands)

Description  December 31,
2015		  

Quoted
Prices in
Active
Markets for
Identical
Assets
(Level 1)

  

Significant
Other
Observable
Inputs
(Level 2)

  

Significant
Unobservable
Inputs
(Level 3)

 
Available for sale securities                    
US Treasury Securities  $1,522   $—   $1,522   $— 
Government sponsored enterprises   992    —    992    — 
Mortgage-backed securities   146,261    —    146,261    — 
Small Business Administration securities   57,328    —    57,328    — 
State and local government   57,295    —    57,295    — 
Corporate and other securities   1,289    812    60    417 
               Total  $264,687   $812   $263,458   $417 
33
 

Note 6 – Fair Value of Financial Instruments – continued

 

The following table reconciles the changes in Level 3 financial instruments for the six months ended June 30, 2016 and 2015 that are measured on a recurring basis. 

 

   June 30, 
   2016   2015 
(Dollars in thousands)  Corporate
Preferred
Stock		   Corporate
Preferred
Stock		 
Beginning Balance  $417   $417 
Total gains or losses (realized/unrealized) Included in earnings   —    — 
           
Included in other comprehensive income   —    — 
           
Purchases, issuances, and settlements   950    — 
Maturities, sales, payoffs   (417)     
           
Transfers in and/or out of Level 3   —    — 
Ending Balance  $950   $417 

 

The following table reconciles the changes in Level 3 financial instruments for the three months ended June 30, 2016 and June 30, 2015 that are measured on a recurring basis. 

 

   June 30, 
   2016   2015 
(Dollars in thousands)  Corporate
Preferred
Stock		   Corporate
Preferred
Stock		 
Beginning Balance  $417   $417 
Total gains or losses (realized/unrealized) Included in earnings   —    — 
           
Included in other comprehensive income   —    — 
           
Purchases, issuances, and settlements   950    — 
Maturities, sales, payoffs   (417)     
           
Transfers in and/or out of Level 3   —    — 
Ending Balance  $950   $417 
34
 

Note 6 – Fair Value of Financial Instruments – continued 

 

The following tables summarize quantitative disclosures about the fair value for each category of assets carried at fair value as of June 30, 2016 and December 31, 2015 that are measured on a non-recurring basis.

 

(Dollars in thousands)                
Description  June 30,
2016		   Quoted Prices
in Active
Markets for
Identical Assets
(Level 1)		   Significant
Other
Observable
Inputs
(Level 2)		   Significant
Unobservable
Inputs
(Level 3)		 
Impaired loans:                    
  Commercial & Industrial   $1   $—   $—   $1 
  Real estate:                    
    Mortgage-residential    715    —    —    715 
    Mortgage-commercial    5,353    —    —    5,353 
  Consumer:                    
    Home equity    30    —    —    30 
    Other    —    —    —    — 
      Total impaired    6,099    —    —    6,099 
Other real estate owned:                    
  Construction    —    —    —    — 
  Mortgage-residential    336    —    —    336 
  Mortgage-commercial    1,019    —    —    1,019 
      Total other real estate owned    1,355    —    —    1,355 
Total   $7,454   $—   $—   $7,454 
35
 

Note 6 – Fair Value of Financial Instruments - continued

 

(Dollars in thousands)                
Description  December 31,
2015		   Quoted Prices
in Active
Markets for
Identical Assets
(Level 1)		   Significant
Other
Observable
Inputs
(Level 2)		   Significant
Unobservable
Inputs
(Level 3)		 
Impaired loans:                    
  Commercial  $9   $—   $—   $9 
  Real estate:                    
    Mortgage-residential   845    —    —    845 
    Mortgage-commercial   5,620    —    —    5,620 
  Consumer:                   
    Home equity   —    —    —    — 
    Other   —    —    —    — 
      Total impaired   6,474    —    —    6,474 
Other real estate owned:                    
  Construction   276    —    —    276 
  Mortgage-residential   191    —    —    191 
  Mortgage-commercial   1,991    —    —    1,991 
  Total other real estate owned   2,458    —    —    2,458 
Total  $8,932   $

—

   $

—

   $8,932 

  

The Company has a large percentage of loans with real estate serving as collateral. Loans which are deemed to be impaired are primarily valued on a nonrecurring basis at the fair value of the underlying real estate collateral. Such fair values are obtained using independent appraisals, which the Company considers to be Level 3 inputs. Third party appraisals are generally obtained when a loan is identified as being impaired or at the time it is transferred to OREO. This internal process consists of evaluating the underlying collateral to independently obtained comparable properties. With respect to less complex or smaller credits, an internal evaluation may be performed. The independent and internal evaluations are generally updated annually. Factors considered in determining the fair value include geographic sales trends, the value of comparable surrounding properties as well as the condition of the property. The aggregate amount of impaired loans was $6.1 million and $6.5 million as of June 30, 2016 and December 31, 2015, respectively.

36
 

Note 6 – Fair Value of Financial Instruments - continued

For Level 3 assets and liabilities measured at fair value on a recurring or non-recurring basis as of June 30, 2016 and December 31, 2015, the significant unobservable inputs used in the fair value measurements were as follows:

(Dollars in thousands) Fair Value as of
June 30, 2016		 Valuation Technique Significant
Observable Inputs		 Significant
Unobservable Inputs
Preferred stock $   950 Estimation based on comparable non-listed securities Comparable transactions n/a
OREO $1,355 Appraisal Value/Comparison Sales/Other estimates Appraisals and or sales of comparable properties Appraisals discounted 6% to 16% for sales commissions and other holding cost
Impaired loans $6,099 Appraisal Value Appraisals and or sales of comparable properties Appraisals discounted 6% to 16% for sales commissions and other holding cost
         
(Dollars in thousands) Fair Value as of
December 31, 2015		 Valuation Technique Significant
Observable Inputs		 Significant
Unobservable Inputs
Preferred stock $   417 Estimation based on comparable non-listed securities Comparable transactions n/a
OREO $2,458 Appraisal Value/Comparison Sales/Other estimates Appraisals and or sales of comparable properties Appraisals discounted 6% to 16% for sales commissions and other holding cost
Impaired loans $6,474 Appraisal Value Appraisals and or sales of comparable properties Appraisals discounted 6% to 16% for sales commissions and other holding cost

  

Note 7 — Deposits

 

The Company’s total deposits are comprised of the following at the dates indicated: 

 

   June 30,   December 31, 
(Dollars in thousands)  2016      2015 
Non-interest bearing demand deposits  $170,976   $156,247 
NOW and money market accounts   318,875    318,308 
Savings   63,887    60,699 
Time deposits   175,885    180,897 
  Total deposits  $729,623   $716,151 

 

As of June 30, 2016 and December 31, 2015, the Company had time deposits greater than $250,000 of $22.1 million and $21.2 million, respectively. 

37
 

Note 8 – Reportable Segments

 

The Company’s reportable segments represent the distinct product lines the Company offers and are viewed separately for strategic planning by management. The Company has four reportable segments:

 

·Commercial and retail banking: The Company’s primary business is to provide deposit and lending products and services to its commercial and retail customers.
·Mortgage banking: This segment provides mortgage origination services for loans that will be sold to investors in the secondary market.
·Investment advisory and non-deposit: This segment provides investment advisory services and non-deposit products.
·Corporate: This segment includes the parent company financial information, including interest on parent company debt and dividend income received from First Community Bank (the “Bank”).

 

The following tables present selected financial information for the Company’s reportable business segments for the three and six months ended June 30, 2016 and 2015:

 

                         
Six months ended June 30, 2016  Commercial       Investment             
(Dollars in thousands)  and Retail   Mortgage   advisory and             
   Banking   Banking   non-deposit   Corporate   Eliminations   Consolidated 
                               
Dividend and Interest Income  $14,396   $82   $—   $1,414   $(1,296)  $14,596 
Interest expense   1,343    —    —    239         1,582 
Net interest income  $13,053   $82   $—   $1,175   $—   $13,014 
Provision for loan losses   357    —    —    —    —    357 
Noninterest income   2,187    1,578    588    —    —    4,353 
Noninterest expense   10,722    1,155    517    281    —    12,675 
Net income before taxes  $4,161   $505   $71   $894   $—   $4,335 
Income tax (provision) benefit   (1,233)   —    —    111         (1,122)
Net income (loss)  $2,928   $505   $71   $1,005   $—   $3,213 
                         
Three months ended June 30, 2016  Commercial       Investment             
(Dollars in thousands)  and Retail   Mortgage   advisory and             
   Banking   Banking   non-deposit   Corporate   Eliminations   Consolidated 
                         
Dividend and Interest Income  $7,389   $55   $—   $679   $(664)   7,459 
Interest expense   664    —    —    118         782 
Net interest income  $6,725   $55   $—   $561   $—   $6,677 
Provision for loan losses   217    —    —    —    —    217 
Noninterest income   1,054    913    297    —    —    2,264 
Noninterest expense   5,317    623    260    133    —    6,333 
Net income before taxes  $2,245   $345   $37   $428   $—   $2,391 
Income tax (provision) benefit   (709)   —    —    63    —    (646)
Net income  $1,536   $345   $37   $491   $—   $1,745 

38
 

Note 8 – Reportable Segments - continued

 

Six months ended June 30, 2015  Commercial       Investment             
(Dollars in thousands)  and Retail   Mortgage   advisory and             
   Banking   Banking   non-deposit   Corporate   Eliminations   Consolidated 
                         
Dividend and Interest Income  $14,194   $109   $—   $1,127   $(1,098)  $14,332 
Interest expense   1,460    —    —    220         1,680 
Net interest income  $12,734   $109   $—   $907   $—   $12,652 
Provision for loan losses   797    —    —    —    —    797 
Noninterest income   2,128    1,715    703    —    —    4,546 
Noninterest expense   10,223    1,317    506    443    —    12,489 
Net income before taxes  $3,842   $507   $197   $464   $—   $3,912 
Income tax (provision) benefit   (1,248)   —    —    183    —    (1,065)
Net income  $2,594   $507   $197   $647   $—   $2,847 
                         
Three months ended June 30, 2015  Commercial       Investment             
(Dollars in thousands)  and Retail   Mortgage   advisory and             
   Banking   Banking   non-deposit   Corporate   Eliminations   Consolidated 
                               
Dividend and Interest Income  $6,970   $64   $—   $547   $(532)   7,049 
Interest expense   736    —    —    109         845 
Net interest income  $6,234   $64   $—   $438   $—   $6,204 
Provision for loan losses   391    —    —    —    —    391 
Noninterest income   1,290    981    294    —    —    2,565 
Noninterest expense   5,256    740    220    173    —    6,389 
Net income before taxes  $1,877   $305   $74   $265   $—   $1,989 
Income tax (provision) benefit   (622)   —    —    76    —    (546)
Net income  $1,255   $305   $74   $341   $—   $1,443 
                         
   Commercial       Investment             
(Dollars in thousands)  and Retail   Mortgage   advisory and             
   Banking   Banking   non-deposit   Corporate   Eliminations   Consolidated 
                               
Total Assets as of June 30, 2016  $877,142   $9,594   $37   $95,445   $(93,381)  $888,837 
                               
Total Assets as of December 31, 2015  $855,888   $4,355   $34   $93,296   $(90,839)  $862,734 

Note 8 – Subsequent Events

 

Subsequent events are events or transactions that occur after the balance sheet date but before financial statements are issued. Recognized subsequent events are events or transactions that provide additional evidence about conditions that existed at the date of the balance sheet, including the estimates inherent in the process of preparing financial statements.  Nonrecognized subsequent events are events that provide evidence about conditions that did not exist at the date of the balance sheet but arose after that date.  Management has reviewed events occurring through the date the financial statements were available to be issued and no subsequent events occurred requiring accrual or disclosure.

39
 

Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations.

 

This report contains statements which constitute “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934. Forward-looking statements may relate to, among other matters, the financial condition, results of operations, plans, objectives, future performance, and business of our Company. Forward-looking statements are based on many assumptions and estimates and are not guarantees of future performance. Our actual results may differ materially from those anticipated in any forward-looking statements, as they will depend on many factors about which we are unsure, including many factors which are beyond our control. The words “may,” “would,” “could,” “should,” “will,” “expect,” “anticipate,” “predict,” “project,” “potential,” “continue,” “assume,” “believe,” “intend,” “plan,” “forecast,” “goal,” and “estimate,” as well as similar expressions, are meant to identify such forward-looking statements. Potential risks and uncertainties that could cause our actual results to differ materially from those anticipated in our forward-looking statements include, without limitation, those described under the heading “Risk Factors” in our Annual Report on Form 10-K for the year ended December 31, 2015 as filed with the Securities and Exchange Commission (the “SEC”) and the following:

·credit losses as a result of, among other potential factors, declining real estate values, increasing interest rates, increasing unemployment, changes in customer payment behavior or other factors;
·the amount of our loan portfolio collateralized by real estate and weaknesses in the real estate market;
·restrictions or conditions imposed by our regulators on our operations;
·the adequacy of the level of our allowance for loan losses and the amount of loan loss provisions required in future periods;
·examinations by our regulatory authorities, including the possibility that the regulatory authorities may, among other things, require us to increase our allowance for loan losses or write-down assets;
·reduced earnings due to higher other-than-temporary impairment charges resulting from additional decline in the value of our securities portfolio, specifically as a result of increasing default rates, and loss severities on the underlying real estate collateral;
·increases in competitive pressure in the banking and financial services industries;
·changes in the interest rate environment which could reduce anticipated or actual margins;
·changes in political conditions or the legislative or regulatory environment, including governmental initiatives affecting the financial services industry;
·general economic conditions resulting in, among other things, a deterioration in credit quality;
·changes occurring in business conditions and inflation;
·changes in access to funding or increased regulatory requirements with regard to funding;
·increased cybersecurity risk, including potential business disruptions or financial losses;
·changes in deposit flows;
·changes in technology;
·our current and future products, services, applications and functionality and plans to promote them;
·changes in monetary and tax policies;
·changes in accounting standards, policies, estimates, and practices;
40
 
·our assumptions and estimates used in applying critical accounting policies, which may prove unreliable, inaccurate or not predictive of actual results;
·the rate of delinquencies and amounts of loans charged-off;
·the rate of loan growth in recent years and the lack of seasoning of a portion of our loan portfolio;
·our ability to maintain appropriate levels of capital, including levels of capital required under the capital rules implementing Basel III;
·our ability to attract and retain key personnel;
·our ability to retain our existing clients, including our deposit relationships;
·adverse changes in asset quality and resulting credit risk-related losses and expenses;
·loss of consumer confidence and economic disruptions resulting from terrorist activities;
·disruptions due to flooding, severe weather or other natural disasters; and
·other risks and uncertainties detailed from time to time in our filings with the SEC.

Because of these and other risks and uncertainties, our actual future results may be materially different from the results indicated by any forward-looking statements. For additional information with respect to factors that could cause actual results to differ from the expectations stated in the forward-looking statements, see “Risk Factors” under Part I, Item 1A of our 2015 Annual Report on Form 10-K as filed with the SEC. In addition, our past results of operations do not necessarily indicate our future results. Therefore, we caution you not to place undue reliance on our forward-looking information and statements.

All forward-looking statements in this report are based on information available to us as of the date of this report. Although we believe that the expectations reflected in our forward-looking statements are reasonable, we cannot guarantee you that these expectations will be achieved. We undertake no obligation to publicly update or otherwise revise any forward-looking statements, whether as a result of new information, future events, or otherwise.

Overview

The following discussion describes our results of operations for the six months and three months ended June 30, 2016 as compared to the six month and three month periods ended June 30, 2015 and also analyzes our financial condition as of June 30, 2016 as compared to December 31, 2015. Like most community banks, we derive most of our income from interest we receive on our loans and investments. Our primary source of funds for making these loans and investments is our deposits, on which we pay interest. Consequently, one of the key measures of our success is our amount of net interest income, or the difference between the income on our interest-earning assets, such as loans and investments, and the expense on our interest-bearing liabilities, such as deposits. Another key measure is the spread between the yield we earn on these interest-earning assets and the rate we pay on our interest-bearing liabilities.

There are risks inherent in all loans, so we maintain an allowance for loan losses to absorb probable losses on existing loans that may become uncollectible. We establish and maintain this allowance by charging a provision for loan losses against our operating earnings. In the following section we have included a discussion of this process, as well as several tables describing our allowance for loan losses and the allocation of this allowance among our various categories of loans.

In addition to earning interest on our loans and investments, we earn income through fees and other expenses we charge to our customers. We describe the various components of this non-interest income, as well as our non-interest expense, in the following discussion.

The following discussion and analysis identifies significant factors that have affected our financial position and operating results during the periods included in the accompanying financial statements. We encourage you to read this discussion and analysis in conjunction with the financial statements and the related notes and the other statistical information also included in this report.

41
 

Critical Accounting Policies

We have adopted various accounting policies that govern the application of accounting principles generally accepted in the United States and with general practices within the banking industry in the preparation of our financial statements. Our significant accounting policies are described in the footnotes to our unaudited consolidated financial statements as of June 30, 2016 and our notes included in the consolidated financial statements in our 2015 Annual Report on Form 10-K as filed with the SEC.

 

Certain accounting policies involve significant judgments and assumptions by us that have a material impact on the carrying value of certain assets and liabilities. We consider these accounting policies to be critical accounting policies. The judgment and assumptions we use are based on historical experience and other factors, which we believe to be reasonable under the circumstances. Because of the nature of the judgment and assumptions we make, actual results could differ from these judgments and estimates that could have a material impact on the carrying values of our assets and liabilities and our results of operations.

 

Allowance for Loan Losses

 

We believe the allowance for loan losses is the critical accounting policy that requires the most significant judgment and estimates used in preparation of our consolidated financial statements. Some of the more critical judgments supporting the amount of our allowance for loan losses include judgments about the credit worthiness of borrowers, the estimated value of the underlying collateral, the assumptions about cash flow, determination of loss factors for estimating credit losses, the impact of current events, and conditions, and other factors impacting the level of probable inherent losses. Under different conditions or using different assumptions, the actual amount of credit losses incurred by us may be different from management’s estimates provided in our consolidated financial statements. Refer to the portion of this discussion that addresses our allowance for loan losses for a more complete discussion of our processes and methodology for determining our allowance for loan losses.

 

Goodwill and Other Intangibles

 

Goodwill represents the excess of the purchase price over the sum of the estimated fair values of the tangible and identifiable intangible assets acquired less the estimated fair value of the liabilities assumed. Goodwill has an indefinite useful life and is evaluated for impairment annually or more frequently if events and circumstances indicate that the asset might be impaired. An impairment loss is recognized to the extent that the carrying amount exceeds the asset’s fair value. Qualitative factors are assessed to first determine if it is more likely than not (more than 50%) that the carrying value of goodwill is less than fair value. These qualitative factors include but are not limited to overall deterioration in general economic conditions, industry and market conditions, and overall financial performance. If determined that it is more likely than not that there has been a deterioration in the fair value of the carrying value than the first of a two-step process would be performed. The first step, used to identify potential impairment, involves comparing each reporting unit’s estimated fair value to its carrying value, including goodwill. If the estimated fair value of a reporting unit exceeds its carrying value, goodwill is considered not to be impaired. If the carrying value exceeds estimated fair value, there is an indication of potential impairment and the second step is performed to measure the amount of impairment.

 

If required, the second step involves calculating an implied fair value of goodwill for each reporting unit for which the first step indicated impairment. The implied fair value of goodwill is determined in a manner similar to the amount of goodwill calculated in a business combination, by measuring the excess of the estimated fair value of the reporting unit, as determined in the first step, over the aggregate estimated fair values of the individual assets, liabilities and identifiable intangibles as if the reporting unit was being acquired in a business combination. If the implied fair value of goodwill exceeds the carrying value of goodwill assigned to the reporting unit, there is no impairment. If the carrying value of goodwill assigned to a reporting unit exceeds the implied fair value of the goodwill, an impairment charge is recorded for the excess. An impairment loss cannot exceed the carrying value of goodwill assigned to a reporting unit, and the loss establishes a new basis in the goodwill. Subsequent reversal of goodwill impairment losses is not permitted. Management has determined that the Company has four reporting units (See Note 8 to the Consolidated Financial Statements).

42
 

Core deposit intangibles consist of costs that resulted from the acquisition of deposits from Savannah River and First South. Core deposit intangibles represent the estimated value of long-term deposit relationships acquired in this transaction. These costs are amortized over the estimated useful lives of the deposit accounts acquired on a method that we believe reasonably approximates the anticipated benefit stream from the accounts. The estimated useful lives are periodically reviewed for reasonableness.

 

Income Taxes and Deferred Tax Assets and Liabilities

 

Income taxes are provided for the tax effects of the transactions reported in our consolidated financial statements and consist of taxes currently due plus deferred taxes related to differences between the tax basis and accounting basis of certain assets and liabilities, including available-for-sale securities, allowance for loan losses, write downs of OREO properties, accumulated depreciation, net operating loss carry forwards, accretion income, deferred compensation, intangible assets, and pension plan and post-retirement benefits. The deferred tax assets and liabilities represent the future tax return consequences of those differences, which will either be taxable or deductible when the assets and liabilities are recovered or settled. Deferred tax assets and liabilities are reflected at income tax rates applicable to the period in which the deferred tax assets or liabilities are expected to be realized or settled. A valuation allowance is recorded when it is “more likely than not” that a deferred tax asset will not be realized. As changes in tax laws or rates are enacted, deferred tax assets and liabilities are adjusted through the provision for income taxes. We file a consolidated federal income tax return for the Bank. At June 30, 2016 and December 31, 2015, we were in a net deferred tax asset position.

43
 

Other-Than-Temporary Impairment

 

We evaluate securities for other-than-temporary impairment at least on a quarterly basis. Consideration is given to (1) the length of time and the extent to which the fair value has been less than cost, (2) the financial condition and near-term prospects of the issuer, (3) the outlook for receiving the contractual cash flows of the investments, (4) the anticipated outlook for changes in the general level of interest rates, and (5) our intent and ability to retain our investment in the issuer for a period of time sufficient to allow for any anticipated recovery in fair value or for a debt security whether it is more-likely-than-not that the Company will be required to sell the debt security prior to recovering its fair value (See Note 3 to the Consolidated Financial Statements).

 

Business Combinations, Method of Accounting for Loans Acquired

 

We account for acquisitions under FASB ASC Topic 805, Business Combinations, which requires the use of the acquisition method of accounting. All identifiable assets acquired, including loans, are recorded at fair value. No allowance for loan losses related to the acquired loans is recorded on the acquisition date because the fair value of the loans acquired incorporates assumptions regarding credit risk.

 

Acquired credit-impaired loans are accounted for under the accounting guidance for loans and debt securities acquired with deteriorated credit quality, found in FASB ASC Topic 310-30, Receivables—Loans and Debt Securities Acquired with Deteriorated Credit Quality. and initially measured at fair value, which includes estimated future credit losses expected to be incurred over the life of the loans. Loans acquired in business combinations with evidence of credit deterioration are considered impaired. Loans acquired through business combinations that do not meet the specific criteria of FASB ASC Topic 310-30, but for which a discount is attributable, at least in part to credit quality, are also accounted for under this guidance. Certain acquired loans, including performing loans and revolving lines of credit (consumer and commercial), are accounted for in accordance with FASB ASC Topic 310-20, where the discount is accreted through earnings based on estimated cash flows over the estimated life of the loan. 

 

Comparison of Results of Operations for Six Months Ended June 30, 2016 to the Six Months Ended June 30, 2015

 

Net Income

 

Our net income for the six months ended June 30, 2016 was $3.2 million or $0.47 diluted earnings per common share, as compared to $2.8 million or $0.43 diluted earnings per common share for the six months ended June 30, 2015. Net interest income increased $802 thousand for the six months ended June 30, 2016 as compared to the same period 2015. This increase is a result of an increase in average earning assets, which increased by $44.7 million in the first half of 2016 as compared to the same period in 2015. Average earning assets were $756.0 million during the six months ended June 30, 2015 as compared to $800.6 million during the six months ended June 30, 2016. The net interest margin on a tax equivalent basis decreased to 3.67% during the first half of 2016 as compared to 3.82% during the first six months of 2015. Non-interest income decreased by $193 thousand in the first six months of 2016 compared to the first six months of 2015. This was primarily attributable to a decrease in mortgage banking income and investment advisory fees and non-deposit commissions of $137 thousand and $115 thousand, respectively, in the six months ended June 30, 2016 as compared to the same period in 2015. Non-interest expense in the six months ended June 30, 2016 increased $186 thousand as compared to the same period in 2015.

Net Interest Income

 

Please refer to the table at the end of this Item 2 for the yield and rate data for interest-bearing balance sheet components during the six-month periods ended June 30, 2016 and 2015, along with average balances and the related interest income and interest expense amounts.

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Net interest income was $13.0 million for the six months ended June 30, 2016 as compared to $12.7 million for the six months ended June 30, 2015. The $362 thousand increase in net interest income was attributable to an increase in average earning assets of $44.7 million partially offset by a decrease of 9 basis points in the taxable equivalent net interest margin between the two periods. Our net interest margin on a tax equivalent basis decreased 9 basis points, from 3.47% at June 30, 2015 to 3.38% at June 30, 2016. The net interest margin was positively impacted during the first six months of 2015 as a result of two pay-offs on purchased credit impaired loans. These two payoffs accounted for approximately 9 basis points in our taxable equivalent net-interest margin for the six months ended June 30, 2015. During the first six months of 2016, the net interest margin was positively impacted by an investment that had been purchased at a discount and was called at par during the second quarter of 2016. The $82 thousand remaining discount recognized in interest income accounted for approximately 2 basis points of the taxable equivalent net interest margin for the six months ended June 30, 2016. The yield on earning assets decreased by 15 basis points in the first half of 2016 as compared to the same period in 2015. Average loans comprised 62.6% of average earning assets in the first six months of 2016 as compared to 61.1% in the same period of 2015. The yield on our loan portfolio decreased 39 basis points in the six month-period ended June 30, 2016 to 4.66% as compared to 5.06% during the same period in 2015. As previously noted, the yield on loans was positively impacted by recognizing the discount on two purchased impaired loans that paid off in the six months ended June 30, 2015. The yield on our investment portfolio increased from 1.97% for the six month ended June 30, 2015 to 2.09% for the same period in 2016. The previously mentioned $82 thousand discount recognized on a called bond accounted for approximately 6 basis points of the investment yield increase between the two periods. The cost of interest-bearing liabilities during the first six months of 2016 was 0.51% as compared to 0.56% in the same period of 2015, reflecting a 5 basis point decrease. The continued focus and resulting shift in our deposit funding mix has continued to allow us to lower our overall cost of funds. Interest-bearing transaction accounts, money market accounts and savings deposits, which are typically our lower costing funds, represent 61.3% of our average interest bearing liabilities during the first six months of 2016 as compared to 57.9% in the same period of 2015.

Provision and Allowance for Loan Losses

At June 30, 2016 and December 31, 2015, the allowance for loan losses was $4.9 million and $4.6 million, respectively. This represented 0.95% of total loans and 0.94% of loans at June 30, 2016 and December 31, 2015, respectively. No allowance for loan losses related to the Savannah River acquired loans was recorded on the acquisition date because the fair value of the loans acquired incorporates assumptions regarding credit risk. Loans acquired were recorded at the acquisition date fair value, which was based on expected cash flows and included an estimation of expected future loan losses for the purchased credit-impaired loans, including principal and interest. There have been no material adjustments to our original assumptions since the acquisition date. At June 30, 2016 and December 31, 2015, the allowance for loan losses plus the fair value adjustment related to credit as a percentage of total loans (excluding loans held for sale) was 1.03% and 1.15%, respectively. Our provision for loan losses was $357 thousand for the six months ended June 30, 2016 as compared to $797 thousand for the six months ended June 30, 2015. This provision is made based on our assessment of general loan loss risk and asset quality. The allowance for loan losses represents an amount which we believe will be adequate to absorb probable losses on existing loans that may become uncollectible. Our judgment as to the adequacy of the allowance for loan losses is based on a number of assumptions about future events, which we believe to be reasonable, but which may or may not prove to be accurate. Our determination of the allowance for loan losses is based on evaluations of the collectability of loans, including consideration of factors such as the balance of impaired loans, the quality, mix, and size of our overall loan portfolio, the experience ability and depth of lending personnel, economic conditions (local and national) that may affect the borrower’s ability to repay, the amount and quality of collateral securing the loans, our historical loan loss experience, and a review of specific problem loans. We also consider subjective issues such as changes in the lending policies and procedures, changes in the local/national economy, changes in volume or type of credits, changes in volume/severity of problem loans, quality of loan review and board of director oversight, and concentrations of credit. Periodically, we adjust the amount of the allowance based on changing circumstances. We charge recognized losses to the allowance and add subsequent recoveries back to the allowance for loan losses.

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We perform an analysis quarterly to assess the risk within the loan portfolio. The portfolio is segregated into similar risk components for which historical loss ratios are calculated and adjusted for identified changes in current portfolio characteristics. Historical loss ratios are calculated by product type and by regulatory credit risk classification (See Note 4 – Loans). The annualized weighted average loss ratios over the last 36 months for loans classified substandard, special mention and pass have been approximately 5.81%, 3.19% and 0.07%, respectively. The allowance consists of an allocated and unallocated allowance. The allocated portion is determined by types and ratings of loans within the portfolio. The unallocated portion of the allowance is established for losses that exist in the remainder of the portfolio and compensates for uncertainty in estimating the loan losses. The allocated portion of the allowance is based on historical loss experience as well as certain qualitative factors as explained above. The qualitative factors have been established based on certain assumptions made as a result of the current economic conditions and are adjusted as conditions change to be directionally consistent with these changes. The unallocated portion of the allowance is composed of factors based on management’s evaluation of various conditions that are not directly measured in the estimation of probable losses through the experience formula or specific allowances. The unallocated allowance of the portfolio is primarily identified through discussions with senior credit management and through consideration of various portfolio specifics and other uncertainties outside of our markets that could impact the risk inherent in the portfolio. These include factors such as uncertainty as to a sustainable economic recovery, ongoing global economic conditions and sustained levels of high national unemployment. Given these uncertainties in economic conditions and particularly real estate valuations, we do not believe it would be prudent to reduce substantially the overall level of our allowance at this time. As economic conditions show sustainable improvement, we believe the unallocated portion of the allowance should decrease as a percentage of the total allowance.

 

Our loan portfolio consists of a large percentage of real estate secured loans. Real estate values continue to be adversely impacted as a result of the economic downturn that began in late 2007. Impaired values of the underlying real estate collateral as well as continued slowdown in both residential and commercial real estate sales impacts our ability to sell collateral upon foreclosure, and there is a risk that this trend will continue.  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 real estate values decline, it is also more likely that we would be required to increase our allowance for loan losses.  If during a period of reduced real estate values we are required to liquidate the property collateralizing a loan to satisfy the debt or to increase the allowance for loan losses, it could materially reduce our profitability and adversely affect our financial condition.  

 

Non-performing assets were $5.9 million (0.66% of total assets) at June 30, 2016 as compared to $7.5 million (0.86% of total assets) and $7.3 million (0.85% of total assets) at March 31, 2016 and December 31, 2015, respectively. While we believe our amount of non-performing assets compares favorably to current industry results (both nationally and locally), we continue to be concerned about the impact of this economic environment on our customer base of local businesses and professionals. There were 43 loans, totaling $4.5 million, included in non-performing status (non-accrual loans and loans past due 90 days and still accruing) at June 30, 2016. The largest non-performing loan is a $975 thousand first mortgage on developed lots to be sold for residential use. The average balance of the remaining 42 loans is approximately $106.0 thousand and the majority of these loans are secured by first mortgage liens. At the time the loans are placed in non-accrual status, we typically obtain an updated appraisal and, if the loan balance exceeds fair value, write the balance down to the fair value. At June 30, 2016, we had one loan delinquent more than 90 days in the amount of $38 thousand and still accruing interest. At June 30, 2016, we had loans totaling $1.8 million that were delinquent 30 days to 89 days which represented 0.35% of total loans.

 

Our management continuously monitors non-performing, classified and past due loans to identify deterioration regarding the condition of these loans. We have identified one loan relationship in the amount of $1.1 million that is current as to principal and interest and not included in non-performing assets that could represent a potential problem loan. This balance is included as substandard loans in Note 4 of the financial statements.

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The following table summarizes the activity related to our allowance for loan losses for the periods indicated:

 

Allowance for Loan Losses

(Dollars in thousands)  Six Months Ended
June 30,		 
   2016   2015 
Average loans (including loans held for sale) outstanding  $500,854   $461,848 
Loans outstanding at period end  $511,303   $474,016 
Non-performing assets:          
     Nonaccrual loans  $4,502   $5,349 
     Loans 90 days past due still accruing   38    — 
     Repossessed-other   —    — 
     Foreclosed real estate and other assets   1,355    2,523 
Total non-performing assets  $5,895   $7,872 
           
Beginning balance of allowance  $4,596   $4,132 
Loans charged-off:          
  1-4 family residential mortgage   1    26 
  Non-residential real estate   58    625 
  Home equity   8    — 
  Commercial   —    56 
  Installment & credit card   33    27 
     Total loans charged-off   100    734 
Recoveries:          
  1-4 family residential mortgage   5    2 
  Non-residential real estate   8    5 
  Home equity   2    2 
  Commercial   3    3 
  Installment & credit card   6    74 
     Total recoveries   24    86 
Net loan charge offs   76    648 
Provision for loan losses   357    797 
Balance at period end  $4,877   $4,281 
           
Net charge-offs to average loans   0.02%   0.14%
Allowance as percent of total loans   0.95%   0.90%
Non-performing assets as % of total assets   0.66%   0.94%
Allowance as % of non-performing loans   107.42%   80.03%
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The following allocation of the allowance to specific components is not necessarily indicative of future losses or future allocations. The entire allowance is available to absorb losses in the portfolio.

 

Composition of the Allowance for Loan Losses

 

(Dollars in thousands)  June 30,  2016   December 31, 2015 
       % of
loans in		       % of 
loans in		 
   Amount   Category   Amount   Category 
Commercial, Financial and Agricultural  $71    7.7%  $75    7.7%
Real Estate – Construction   59    8.2%   51    7.3%
Real Estate Mortgage:                    
  Commercial   2,349    66.4%   2,036    66.9%
  Residential   207    9.9%   223    10.0%
Consumer:                    
  Home Equity   93    6.2%   127    6.3%
  Other   23    1.6%   37    1.8%
Unallocated   2,075          N/A    2,047    N/A 
Total  $4,877    100.0%  $4,596    100.0%

  

Accrual of interest is discontinued on loans when management believes, after considering economic and business conditions and collection efforts that a borrower’s financial condition is such that the collection of interest is doubtful. A delinquent loan is generally placed in nonaccrual status when it becomes 90 days or more past due. At the time a loan is placed in nonaccrual status, all interest, which has been accrued on the loan but remains unpaid is reversed and deducted from earnings as a reduction of reported interest income. No additional interest is accrued on the loan balance until the collection of both principal and interest becomes reasonably certain.

 

Non-interest Income and Non-interest Expense

 

Non-interest income during the first half of 2016 was $4.4 million as compared to $4.5 million during the same period in 2015. Mortgage banking income decreased $137 thousand during the first six months of 2016 compared to the same period in 2015, resulting primarily from the resignation of one mortgage loan producer in the first quarter of 2016. Investment advisory fees and non-deposit commissions decreased by $115 thousand in the first half of 2016 as compared to the same period in 2015. During the second quarter of 2015, we had one transaction that is non-recurring that accounted for substantially all of the difference between the two periods. Management continues to focus on increasing this recurring source of revenue by increasing total assets under management. During the first half of 2015, we sold investment securities for a net gain of $271 thousand as compared to a gain on the sale of investment securities of $123 thousand in the same period of 2016. These gains in 2015 were partially offset by prepayment penalties in the amount of $103 thousand resulting from early payoff of $2.7 million of FHLB advances. There were no prepayment penalties in the first six months of 2016. Non-interest income other increased by $196 thousand in the first six months of 2016 as compared to the same period in 2015. This increase resulted from increased ATM/debit card income of $78 thousand in first six months of 2016 as compared to the same period in 2015. In addition, income recognized on bank owned life insurance increased by $97 thousand in the 2016 period as compared to 2015. At the end of 2015 the Bank purchased additional bank owned life insurance which accounts for the increased income.

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Total non-interest expense increased by $186 thousand, or 1.5%, during the first six months of 2016 as compared to the same period in 2015. Salary and benefit expense increased $361 thousand from $7.2 million in the first half of 2015 to $7.6 million in the first half of 2016. This increase is primarily a result of the normal salary adjustments, the addition of the new Greenville loan production office staff in the first quarter of 2016, as well as increased medical benefit premiums. At June 30, 2015, we had 183 full time equivalent employees as compared to 187 at June 30, 2016. Occupancy expense increased $85 thousand in the first half of 2016 as compared to the first half of 2015. The increase in occupancy expense primarily relates to repair costs associated with the fourth quarter 2015 flooding and rain that were not previously identified and determined not to be covered by insurance in the approximate amount of $50 thousand as well as occupancy cost of $15 thousand associated with opening the Greenville loan production office. Marketing and public relations expense decreased from $554 thousand in the first half of 2015 to $289 thousand in the first half of 2016. The timing of a media campaigns impact the recognition of marketing expense and, in 2015, more of these costs were primarily incurred in the first half of the year. It is expected that we will have higher media costs in the third and fourth quarters of 2016. Other real estate expense decreased $236 thousand in the first half of 2016 as compared to the same period in 2015. This reflects the overall decrease in the level of our repossessed real estate assets between the two periods. Non-interest expense “Other” increased by $209 thousand in the first half of 2016 as compared to the same period in 2015. This increase is a primarily a result increased ATM/debit card activity charges of $194 thousand during the first half of 2016 as compared to the same period in 2015. We incurred $64 thousand in costs associated with the mass reissue of our debit cards to implement the new EMV (chip) card in the first half of 2016. We have also had significantly higher levels of attempted fraud activity on our card base in the first half of 2016 as compared to the same period in 2015. There is a direct cost assessed by our processor for each card that is compromised or had attempted fraud activity. The higher level of fraud cases in the first half of 2016 accounted for approximately $51.3 thousand of the ATM/debit card charges. We believe the “chip” card technology will ultimately reduce the level of fraud activity and losses on debit cards. Also included in the increase of “Other” non-interest expense were costs of approximately $23 thousand related to converting our current bill pay system to another vendor. This conversion was completed in the second quarter of 2016.

 

The following is a summary of the components of other non-interest expense for the periods indicated:

 

(In thousands)  Six months ended 
   June 30, 
   2016   2015 
ATM/Debit card cost  $474   $284 
Supplies   72    66 
Telephone   172    183 
Courier   47    44 
Correspondent services   106    109 
Dues   55    54 
Subscriptions   75    68 
Loan closing costs/fees   91    50 
Insurance   139    137 
Loss on limited partnership interest   75    86 
Postage   92    95 
Legal and Professional fees   300    286 
Director fees   211    198 
Shareholder expense   79    64 
Other Miscellaneous   367    422 
   $2,355   $2,146 

  

Income Tax Expense

 

Our effective tax rate was 25.8% and 27.2% in the first half of 2016 and 2015, respectively. As a result of our current level of tax exempt securities in our investment portfolio, our effective tax rate is expected to remain at 26.0% to 27.0% throughout the remainder of 2016.

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Comparison of Results of Operations for Three Months Ended June 30, 2016 to the Three Months Ended June 30, 2015:

 

Net Income

 

Our net income for the three months ended June 30, 2016 was $1.7 million, or $0.26 diluted earnings per common share, as compared to $1.4 million, or $0.22 diluted earnings per common share, for the three months ended June 30, 2015. The increase in net income between the two periods is primarily due to a $473 thousand increase in net interest income and a lower provision for loan losses of $174 thousand in the three months ended June 30, 2016 as compared to the same period of 2015. These increases were partially offset by a $301 thousand decrease in non-interest income categories.

Net Interest Income

 

Please refer to the table “Yields on Average Earning Assets and Rates on Average Interest-Bearing Liabilities” appearing at the end of this Item for the yield and rate data for interest-bearing balance sheet components during the three-month periods ended June 30, 2016 and 2015, along with average balances and the related interest income and interest expense amounts.

 

Net interest income increased by $473 thousand for the three months ended June 30, 2016 to $6.7 million as compared to $6.2 million in the same period in 2015. Our taxable equivalent net interest margin in the second quarter of 2016 was 3.43% compared to 3.34% in the same period of 2015. As noted previously, we recognized approximately $82 thousand in discount in interest income on an investment that was called at par during the second quarter of 2016. Absent this discount our taxable equivalent net interest margin would have been approximately 3.38%. The yield on average earning assets increased to 3.71% (3.67% adjusted for the previously mentioned discount) the second quarter of 2016 from 3.69% in the second quarter of 2015. The extended period of historically low interest rates continues to put pressure on our net interest margin. We believe we can continue to offset some of this margin pressure by continuing to remix our balance sheet asset mix out of investments into the loan portfolio. Average earning assets were $808.7 million during the second quarter of 2016 as compared to $766.0 million during the second quarter of 2015. Average loans were $509.5 million (63.0% of earning assets) in the second quarter of 2016 as compared to $472.6 million (61.7% of earning assets) for the second quarter of 2015. The cost of interest bearing liabilities also decreased to 0.51% in the second quarter of 2016 as compared to 0.56% in the second quarter of 2015. Interest-bearing transaction accounts, money market accounts and savings deposits, which are typically our lower costing funds, represent 61.4% of our average interest bearing liabilities during the second quarter of 2016 as compared to 58.6% in the same period of 2016. Due to the continued historically low interest rate environment, the cost of these funds has remained very stable over the last several years. The current cost of these funds do not provide significant ability to offset further interest rate declines or a flattening of the yield curve.

 

Provision for Loan Losses

The provision for loan losses for the three months ended June 30, 2016 was $217 thousand as compared to $391 thousand for the three months ended June 30, 2015. As previously discussed, the provision is made based on our assessment of general loan loss risk and asset quality, historical loss experience and various other qualitative factors.

Non-interest Income and Non-interest Expense

 

For the three months ended June 30, 2016, we had non-interest income of $2.3 million as compared to non-interest income of $2.6 million in the same period of 2015. Mortgage banking income decreased slightly by $67 thousand during the second quarter of 2016, as compared to the same period in 2015. Investment advisory fees and non-deposit commissions decreased $110 thousand in the second quarter of 2016 as compared to the same period in 2015. As noted previously, we had a large transaction in the second quarter of 2015 that accounted for this decrease. Management continues to focus on increasing this recurring source of revenue by increasing total assets under management. Gains on the sale of securities in the second quarter of 2016 and 2015 amounted to $64 thousand and $167 thousand, respectively. Total proceeds from the sales in the second quarter of 2016 and 2015 amounted to approximately $2.6 million and $10.1 million, respectively. These proceeds partially funded loan growth during the two quarters.

 

Non-interest income other increased by $70 thousand in the second quarter of 2016 as compared to the same period in 2015. As previously noted, this increase primarily resulted from increased ATM/debit card income as well as increased income recognized on bank owned life insurance.

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Total non-interest expense decreased slightly by $56 thousand in the second quarter of 2016, compared to the same period of 2015. Salaries and benefits increased $175 thousand in the second quarter of 2016 as compared to the same period in 2015. This increase is primarily a result of normal salary adjustments and the addition of the four employees that were added as a result of the expansion of the loan production office in Greenville, South Carolina. Marketing and public relations expense decreased $133 thousand in the second quarter of 2016 as compared to the same period in 2015. As noted in the six month results, the timing of our media marketing campaign was designed to be concentrated more in the first half of the year for 2015 and later in the year during 2016. The increase in salaries and benefits were partially offset by a $133 thousand decrease in other real estate owned expenses

 

Financial Position

 

Assets totaled $888.8 million at June 30, 2016 as compared to $862.7 million at December 31, 2015, an increase of $26.1 million. Loans increased by approximately $22.1 million during the six months ended June 30, 2016. Loans (excluding loans held for sale) at June 30, 2016 were $511.3 million as compared to $489.2 million at December 31, 2015. Total loan production was $66.1 million during the first half of 2016. At June 30, 2016 and December 31, 2015, loans (excluding loans held for sale) accounted for 62.7% and 62.1% of earning assets, respectively. The loan-to-deposit ratio at June 30, 2016 was 71.1% as compared to 68.7% at December 31, 2015. Investment securities increased to $286.8 million at June 30, 2016 from $283.8 million at December 31, 2015. Deposits increased $13.4 million at June 30, 2016 as compared to December 31, 2015. Pure deposits (deposits less time deposits) represented 75.9% of total deposits as of June 30, 2016 as compared to 74.7% at December 31, 2015. We continue to focus on growing our pure deposits as a percentage of total deposits in order to better manage our overall cost of funds. Deposits were $729.6 million at June 30, 2016 as compared to $716.2 million at December 31, 2015. FHLB advances increased $7.7 million from December 31, 2015 to June 30, 2016. This increase represented overnight advances that have been paid off subsequent to June 30, 2016. One of our goals as a community bank has been, and continues to be, to grow our assets through quality loan growth by providing credit to small and mid-size businesses and individuals within the markets we serve. Loan production and portfolio growth rates, although improving, continue to be impacted by the current economic cycle as borrowers are less inclined to leverage their corporate and personal balance sheets. We remain committed to meeting the credit needs of our local markets.

 

The following table shows the composition of the loan portfolio by category at June 30, 2016 and December 31, 2015:

 

(In thousands)  June 30,   December 31, 
   2016   2015 
   Amount   Percent   Amount   Percent 
                 
Commercial, financial & agricultural  $39,480    7.7%  $37,809    7.7%
Real estate:                    
   Construction   42,253    8.2%   35,829    7.3%
   Mortgage – residential   50,500    9.9%   49,077    10.0%
   Mortgage – commercial   339,276    66.4%   326,978    66.9%
Consumer:                    
   Home Equity   31,608    6.2%   30,906    6.3%
   Other   8,186    1.6%   8,592    1.8%
Total gross loans   511,303    100.0%   489,191    100.0%
Allowance for loan losses   (4,877)        (4,596)     
     Total net loans  $506,426        $484,595      

  

In the context of this discussion, a real estate mortgage loan is defined as any loan, other than loans for construction purposes and advances on home equity lines of credit, secured by real estate, regardless of the purpose of the loan. Advances on home equity lines of credit are included in consumer loans. We follow the common practice of financial institutions in our market areas of obtaining a security interest in real estate whenever possible, in addition to any other available collateral. This collateral is taken to reinforce the likelihood of the ultimate repayment of the loan and tends to increase the magnitude of the real estate loan components. Generally we limit the loan-to-value ratio to 80%.

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Market Risk Management

 

The effective management of market risk is essential to achieving our strategic financial objectives. Our most significant market risk is interest rate risk. We have established an Asset/Liability Management Committee (“ALCO”) to monitor and manage interest rate risk. The ALCO monitors and manages the pricing and maturity of assets and liabilities in order to diminish the potential adverse impact that changes in interest rates could have on net interest income. The ALCO has established policy guidelines and strategies with respect to interest rate risk exposure and liquidity.

A monitoring technique employed by the ALCO is the measurement of interest sensitivity “gap,” which is the positive or negative dollar difference between assets and liabilities that are subject to interest rate repricing within a given period of time. Simulation modeling is performed to assess the impact varying interest rates and balance sheet mix assumptions will have on net interest income. We model the impact on net interest income for several different changes, to include a flattening, steepening and parallel shift in the yield curve. For each of these scenarios, we model the impact on net interest income in an increasing and decreasing rate environment of 100 and 200 basis points. Policies have been established in an effort to maintain the maximum anticipated negative impact of these modeled changes in net interest income at no more than 10% and 15% respectively, in a 100 and 200 basis point change in interest rates over a twelve month period. Interest rate sensitivity can be managed by repricing assets or liabilities, selling securities available-for-sale, replacing an asset or liability at maturity or by adjusting the interest rate during the life of an asset or liability. Managing the amount of assets and liabilities repricing in the same time interval helps to hedge the risk and minimize the impact on net interest income of rising or falling interest rates.

 

We are currently asset sensitive within one year. However, neither the “gap” analysis nor asset/liability simulation modeling is a precise indicator of our interest sensitivity position due to the many factors that affect net interest income, including changes in the volume and mix of earning assets and interest-bearing liabilities.

 

Net Interest Income Sensitivity 

 

Change in short term interest rates   Hypothetical
percentage change in
net interest income
     June 30,
2016		  

March 31,
2016

 December 31,
2015
+200bp     +2.13 %   +1.68%   1.61 %  
+100bp     +1.26 %   +1.18%   0.89 %  
Flat     —     —   —    
-100bp     -3.66 %   -4.08%   -3.55 %  
-200bp     -4.60 %   -6.27%   -9.19 %  

  

The decrease in net interest income in a down 200 basis point environment primarily results from the current level of interest rates being paid on our interest bearing transaction accounts as well as money market accounts. The interest rates on these accounts are at a level where they cannot be repriced in proportion to the change in interest rates. At the current historically low interest rate levels, we believe that a downward shift of 200 basis points across the entire yield curve is unlikely.

We also perform a valuation analysis projecting future cash flows from assets and liabilities to determine the Present Value of Equity (“PVE”) over a range of changes in market interest rates. The sensitivity of PVE to changes in interest rates is a measure of the sensitivity of earnings over a longer time horizon. At June 30, 2016, March 31, 2016 and December 31 2015, the PVE exposure in a plus 200 basis point increase in market interest rates was estimated to be +5.73% ,+3.49% and -0.07%, respectively.

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Liquidity and Capital Resources

 

We believe our liquidity remains adequate to meet operating and loan funding requirements. Interest-bearing bank balances, federal funds sold, and investment securities available-for-sale represent 31.2% of total assets at June 30, 2016. We believe that our existing stable base of core deposits along with continued growth in this deposit base will enable us to meet our long-term and short-term liquidity needs successfully. These needs include the ability to respond to short-term demand for funds caused by the withdrawal of deposits, maturity of repurchase agreements, extensions of credit and the payment of operating expenses. Other sources of liquidity, in addition to deposit gathering activities, include maturing loans and investments, purchase of federal funds from other financial institutions and selling securities under agreements to repurchase. We monitor closely the level of large certificates of deposits in amounts of $100 thousand or more as they tend to be more sensitive to interest rate changes and, thus, less reliable sources of funding for liquidity purposes. At June 30, 2016, the amount of certificates of deposits of $100 thousand or more represented 10.9% of total deposits and the amount of certificates of deposits of $250 thousand or more represented 3.0% of deposits. The majority of these deposits are issued to local customers many of whom have other product relationships with the Bank.

 

Through the operations of our Bank, we have made contractual commitments to extend credit in the ordinary course of our business activities. These commitments are legally binding agreements to lend money to our customers at predetermined interest rates for a specified period of time. At June 30, 2016, we had issued commitments to extend credit of $74.7 million, including $30.7 million in unused home equity lines of credit, through various types of lending arrangements. We evaluate each customer’s credit worthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by us upon extension of credit, is based on our credit evaluation of the borrower. Collateral varies but may include accounts receivable, inventory, property, plant and equipment, commercial and residential real estate. We manage the credit risk on these commitments by subjecting them to normal underwriting and risk management processes.

 

Other than as described elsewhere in this report, we are not aware of any trends, events or uncertainties that we expect to result in a significant adverse effect on our liquidity position. However, no assurances can be given in this regard, as rapid growth, deterioration in loan quality, and poor earnings, or a combination of these factors, could change the liquidity position in a relatively short period of time.

 

The Company has generally maintained a high level of liquidity and adequate capital, which along with continued retained earnings, we believe will be sufficient to fund the operations of the Bank for at least the next 12 months. Shareholders’ equity was 9.5% and 9.2% of total assets at June 30, 2016 and December 31, 2015, respectively. The Bank maintains federal funds purchased lines in the total amount of $20.0 million with two financial institutions, although these were not utilized in the first half of 2016. Specific investment securities would be pledged if and when we were to utilize this line. The FHLB of Atlanta has approved a line of credit of up to 25% of the Bank’s assets, which when utilized is collateralized by a pledge against specific investment securities and/or eligible loans. We regularly review the liquidity position of the Company and have implemented internal policies establishing guidelines for sources of asset based liquidity and evaluate and monitor the total amount of purchased funds used to support the balance sheet and funding from noncore sources. We believe that our existing stable base of core deposits along with continued growth in this deposit base will enable us to meet our long term liquidity needs successfully.

 

Regulatory capital rules released by the federal bank regulatory agencies in July 2013 to implement capital standards, referred to as Basel III and developed by an international body known as the Basel Committee on Banking Supervision, impose higher minimum capital requirements for bank holding companies and banks. The rules apply to all national and state banks and savings associations regardless of size and bank holding companies and savings and loan holding companies with $500 million or more in total consolidated assets. More stringent requirements are imposed on “advanced approaches” banking organizations ‒ which are organizations with $250 billion or more in total consolidated assets, with $10 billion or more in total foreign exposures, or that have opted in to the Basel II capital regime. The new regulatory capital rules became effective for the Company and the Bank on January 1, 2015 (subject to a phase-in period for certain provisions), and all of the requirements in the rules will be fully phased in by January 1, 2019.

 

The final rule includes certain new and higher risk-based capital and leverage requirements than those previously in place. Specifically, the following minimum capital requirements apply to us:

 

·a new Common Equity Tier 1 risk-based capital ratio of 4.5%;
·a Tier 1 risk-based capital ratio of 6% (increased from the former 4% requirement);
·a total risk-based capital ratio of 8% (unchanged from former requirements); and
·a leverage ratio of 4% (also unchanged from the former requirement).

 

53
 

Under the rules, Tier 1 capital is redefined to include two components: Common Equity Tier 1 capital and additional Tier 1 capital. The new and highest form of capital, Common Equity Tier 1 capital, consists solely of common stock (plus related surplus), retained earnings, accumulated other comprehensive income, and limited amounts of minority interests that are in the form of common stock. Additional Tier 1 capital includes other perpetual instruments historically included in Tier 1 capital, such as noncumulative perpetual preferred stock. The rules permit bank holding companies with less than $15 billion in total consolidated assets to continue to include trust preferred securities and cumulative perpetual preferred stock issued before May 19, 2010 in Tier 1 capital, but not in Common Equity Tier 1 capital, subject to certain restrictions. Tier 2 capital consists of instruments that currently qualify in Tier 2 capital plus instruments that the rules have disqualified from Tier 1 capital treatment. Cumulative perpetual preferred stock, formerly includable in Tier 1 capital, is now included only in Tier 2 capital. Accumulated other comprehensive income (“AOCI”) is presumptively included in Common Equity Tier 1 capital and often would operate to reduce this category of capital. The rules provided a one-time opportunity at the end of the first quarter of 2015 for covered banking organizations to opt out of much of this treatment of AOCI. We elected to opt out from the inclusion of AOCI in Common Equity Tier 1 capital.

 

In addition, in order to avoid restrictions on capital distributions or discretionary bonus payments to executives, a covered banking organization must maintain a “capital conservation buffer” on top of its minimum risk-based capital requirements. This buffer must consist solely of Tier 1 Common Equity, but the buffer applies to all three measurements (Common Equity Tier 1, Tier 1 capital and total capital). The capital conservation buffer will be phased in incrementally over time, becoming fully effective on January 1, 2019, and will consist of an additional amount of common equity equal to 2.5% of risk-weighted assets. As of January 1, 2016, we are required to hold a capital conservation buffer of 0.625%, increasing by that amount each successive year until 2019.

 

In general, the rules have had the effect of increasing capital requirements by increasing the risk weights on certain assets, including high volatility commercial real estate, certain loans past due 90 days or more or in nonaccrual status, mortgage servicing rights not includable in Common Equity Tier 1 capital, equity exposures, and claims on securities firms, that are used in the denominator of the three risk-based capital ratios.

 

The Bank’s risk-based capital ratios of leverage ratio, Tier 1, and total capital were 9.8%, 14.6%, and 15.5%, respectively, at June 30, 2016 as compared to 9.7%, 14.7%, and 15.5%, respectively, at December 31, 2015. The Bank’s CET1 ratio at June 30, 2016 was 14.6% and 14.7% at December 31, 2015. The Company’s risk-based capital ratios of leverage ratio, Tier 1, and total capital were 10.2%, 15.3%, and 16.1%, respectively at June 30, 2016 as compared to 10.2%, 15.4% and 16.2%, respectively at December 31, 2015. The Company’s CET1 ratio at June 30, 2016 and December 31, 2015 was 12.8% and 12.9%, respectively. Our management anticipates that the Bank and the Company will remain a well-capitalized institution for at least the next 12 months.

 

Since the Company is a bank holding company, its ability to declare and pay dividends is dependent on certain federal and state regulatory considerations, including the guidelines of the Federal Reserve Board. The Federal Reserve Board has issued a policy statement regarding the payment of dividends by bank holding companies. In general, the Federal Reserve Board’s policies provide that dividends should be paid only out of current earnings and only if the prospective rate of earnings retention by the bank holding company appears consistent with the organization’s capital needs, asset quality and overall financial condition. The Federal Reserve Board’s policies also require that a bank holding company serve as a source of financial strength to its subsidiary banks by standing ready to use available resources to provide adequate capital funds to those banks during periods of financial stress or adversity and by maintaining the financial flexibility and capital-raising capacity to obtain additional resources for assisting its subsidiary banks where necessary. In addition, under the prompt corrective action regulations, the ability of a bank holding company to pay dividends may be restricted if a subsidiary bank becomes undercapitalized. These regulatory policies could affect the ability of the Company to pay dividends or otherwise engage in capital distributions.

 

In addition, since the Company is a legal entity separate and distinct from the Bank and does not conduct stand-alone operations, its ability to pay dividends depends on the ability of the Bank to pay dividends to it, which is also subject to regulatory restrictions. As a South Carolina chartered bank, the Bank is subject to limitations on the amount of dividends that it is permitted to pay. Unless otherwise instructed by the South Carolina Board of Financial Institutions, the Bank is generally permitted under South Carolina State banking regulations to pay cash dividends of up to 100% of net income in any calendar year without obtaining the prior approval of the South Carolina Board of Financial Institutions. The FDIC also has the authority under federal law to enjoin a bank from engaging in what in its opinion constitutes an unsafe or unsound practice in conducting its business, including the payment of a dividend under certain circumstances.  

54
 
FIRST COMMUNITY CORPORATION
Yields on Average Earning Assets and Rates
on Average Interest-Bearing Liabilities
                     
   Six months ended June 30, 2016   Six months ended June 30, 2015 
   Average   Interest   Yield/   Average   Interest   Yield/ 
   Balance   Earned/Paid   Rate   Balance   Earned/Paid   Rate 
Assets                              
Earning assets                              
Loans  $500,854   $11,605    4.66%  $461,848   $11,578    5.06%
Securities:   283,185    2,942    2.09%   276,529    2,697    1.97%
Federal funds sold and securities purchased under agreements to resell   16,544    49    0.60%   17,488    57    0.66%
Total earning assets   800,583    14,596    3.67%   755,865    14,332    3.82%
Cash and due from banks   10,655              8,329           
Premises and equipment   30,160              29,411           
Other assets   36,245              32,630           
Allowance for loan losses   (4,708)             (4,290)          
Total assets  $872,935             $821,945           
Liabilities                              
Interest-bearing liabilities                              
Interest-bearing transaction accounts  $152,096    89    0.12%  $135,278    78    0.12%
Money market accounts   165,213    218    0.27%   156,903    203    0.26%
Savings deposits   63,039    36    0.11%   55,977    32    0.12%
Time deposits   177,806    550    0.62%   190,722    548    0.58%
Other borrowings   62,690    689    2.21%   62,890    819    2.63%
Total interest-bearing liabilities   620,844    1,582    0.51%   601,770    1,680    0.56%
Demand deposits   164,369              138,476           
Other liabilities   6,418              5,558           
Shareholders’ equity   81,304              76,141           
Total liabilities and shareholders’ equity  $872,935             $821,945           
                               
Cost of funds, including demand deposits             0.41%             0.46%
Net interest spread             3.16%             3.26%
Net interest income/margin       $13,014    3.27%       $12,652    3.38%
Net interest income/margin FTE basis  $432   $13,446    3.38%  $365   $13,017    3.47%

55
 

FIRST COMMUNITY CORPORATION
Yields on Average Earning Assets and Rates
on Average Interest-Bearing Liabilities
                         
   Three months ended June 30, 2016   Three months ended June 30, 2015 
   Average   Interest   Yield/   Average   Interest   Yield/ 
   Balance   Earned/Paid   Rate   Balance   Earned/Paid   Rate 
Assets                              
Earning assets                              
Loans  $509,489   $5,924    4.68%  $472,591   $5,704    4.84%
Securities:   282,453    1,509    2.15%   275,759    1,315    1.91%
Federal funds sold and securities purchased   16,805    26    0.62%   17,649    30    0.68%
Total earning assets   808,747    7,459    3.71%   765,999    7,049    3.69%
Cash and due from banks   10,756              8,883           
Premises and equipment   30,224              29,741           
Other assets   35,423              32,002           
Allowance for loan losses   (4,768)             (4,341)          
Total assets  $880,382             $832,284           
                               
Liabilities                              
Interest-bearing liabilities                              
Interest-bearing transaction accounts  $153,734   $43    0.11%  $137,534   $39    0.11%
Money market accounts   164,795    109    0.27%   160,963    107    0.27%
Savings deposits   63,742    18    0.11%   56,808    16    0.11%
Time deposits   176,871    275    0.63%   188,162    273    0.58%
Other borrowings   63,434    337    2.14%   62,804    410    2.62%
Total interest-bearing liabilities   622,576    782    0.51%   606,271    845    0.56%
Demand deposits   169,261              144,181           
Other liabilities   6,269              4,923           
Shareholders’ equity   82,276              76,909           
Total liabilities and shareholders’ equity  $880,382             $832,284           
                               
Cost of funds, including demand deposits             0.40%             0.45%
Net interest spread             3.20%             3.13%
Net interest income/margin       $6,677    3.32%       $6,204    3.25%
Net interest income/margin FTE basis  $212   $6,889    3.43%  $183   $6,387    3.34%
56
 

Item 3. Quantitative and Qualitative Disclosures About Market Risk.

 

There have been no material changes in our quantitative and qualitative disclosures about market risk as of June 30, 2016 from that presented in our 2015 Annual Report on Form 10-K. See the “Market Risk Management” subsection in Item 2, Management’s Discussion and Analysis of Financial Condition and Results of Operations, for quantitative and qualitative disclosures about market risk, which information is incorporated herein by reference.

 

Item 4. Controls and Procedures.

 

Evaluation of Disclosure Controls and Procedures

 

Management, including our Chief Executive Officer and Chief Financial Officer, has evaluated the effectiveness of our disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) as of the end of the period covered by this report. Based upon that evaluation, our Chief Executive Officer and Chief Financial Officer concluded that our disclosure controls and procedures were effective to ensure that information required to be disclosed in the reports we file and submit under the Exchange Act is (i) recorded, processed, summarized and reported as and when required and (ii) accumulated and communicated to our management, including our Chief Executive Officer and the Chief Financial Officer, as appropriate to allow timely decisions regarding required disclosure.

 

Changes in Internal Control over Financial Reporting

 

There has been no change in the Company’s internal control over financial reporting during the three months ended June 30, 2016 that has materially affected, or is reasonably likely to materially affect, the Company’s internal control over financial reporting.

57
 

PART II -

OTHER INFORMATION

 

Item 1. Legal Proceedings.

 

We are a party to claims and lawsuits arising in the course of normal business activities. Management is not aware of any material pending legal proceedings against the Company which, if determined adversely, the Company believes would have a material adverse impact on the Company’s financial position, results of operations or cash flows.

 

Item 1A. Risk Factors.

 

Not Applicable.

 

Item 2. Unregistered Sales of Equity Securities and Use of Proceeds.

 

Not Applicable.

 

Item 3. Defaults Upon Senior Securities.

 

Not Applicable.

 

Item 4. Mine Safety Disclosures.

 

Not Applicable.

 

Item 5. Other Information.

 

None.

 

Item 6. Exhibits.

 

Exhibit Description
  
10.1Amendment No. 1 to the First Community Corporation 2011 Stock Incentive Plan (incorporated by reference to Exhibit 10.1 of our Current Report on Form 8-K filed on April 22, 2016).

 

10.2Form of Restricted Stock Unit Agreement (incorporated by reference to Exhibit 10.2 of our Current Report on Form 8-K filed on April 22, 2016).

 

31.1Rule 13a-14(a) Certification of the Principal Executive Officer.

 

31.2Rule 13a-14(a) Certification of the Principal Financial Officer.

 

32Section 1350 Certifications.

 

101The following materials from the Company’s Quarterly Report on Form 10-Q for the quarter ended June 30, 2016, formatted in eXtensible Business Reporting Language (XBRL); (i) Consolidated Balance Sheets at June 30, 2016 and December 31, 2015, (ii) Consolidated Statements of Income for the three and six months ended June 30, 2016 and 2015, (iii) Consolidated Statements of Comprehensive Income for the three and six months ended June 30, 2016 and 2015 (iv) Consolidated Statements of Changes in Shareholders’ Equity for the six months ended June 30, 2016 and 2015, (v) Consolidated Statements of Cash Flows for the six months ended June 30, 2016 and 2015, and (vi) Notes to Consolidated Financial Statements.


58
 

SIGNATURES

 

Pursuant to the requirements 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.

 

  FIRST COMMUNITY CORPORATION  
  (REGISTRANT)  
       
Date: August 11, 2016 By:  /s/ Michael C. Crapps  
    Michael C. Crapps  
    President and Chief Executive Officer  
       
Date: August 11, 2016 By:  /s/ Joseph G. Sawyer  
    Joseph G. Sawyer  
    Executive Vice President, Principal Financial Officer  

 

59
 

INDEX TO EXHIBITS

 

Exhibit
Number		Description
  
10.1Amendment No. 1 to the First Community Corporation 2011 Stock Incentive Plan (incorporated by reference to Exhibit 10.1 of our Current Report on Form 8-K filed on April 22, 2016).

 

10.2Form of Restricted Stock Unit Agreement (incorporated by reference to Exhibit 10.2 of our Current Report on Form 8-K filed on April 22, 2016).

 

31.1Rule 13a-14(a) Certification of the Principal Executive Officer.

 

31.2Rule 13a-14(a) Certification of the Principal Financial Officer.

 

32Section 1350 Certifications.

 

101The following materials from the Company’s Quarterly Report on Form 10-Q for the quarter ended June 30, 2016, formatted in eXtensible Business Reporting Language (XBRL); (i) Consolidated Balance Sheets at June 30, 2016 and December 31, 2015, (ii) Consolidated Statements of Income for the three and six months ended June 30, 2016 and 2015, (iii) Consolidated Statements of Comprehensive Income for the three and six months ended June 30, 2016 and 2015 (iv) Consolidated Statements of Changes in Shareholders’ Equity for the six months ended June 30, 2016 and 2015, (v) Consolidated Statements of Cash Flows for the six months ended June 30, 2016 and 2015, and (vi) Notes to Consolidated Financial Statements.
 
 EX-31.1 2 e00449_ex31-1.htm

Exhibit 31.1

Rule 13a-14(a) Certification of the Principal Executive Officer.

 

I, Michael C. Crapps, certify that:

 

1.I have reviewed this quarterly report on Form 10-Q of First Community Corporation;

 

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 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 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 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 the 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.

 

Date: August 11, 2016

 

    /s/ Michael C. Crapps  
  Michael C. Crapps, President
and Chief Executive Officer		  
  (Principal Executive Officer)  
 
 EX-31.2 3 e00449_ex31-2.htm

Exhibit 31.2

Rule 13a-14(a) Certification of the Principal Financial Officer.

 

I, Joseph G. Sawyer, certify that:

 

1.I have reviewed this quarterly report on Form 10-Q of First Community Corporation;

 

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 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 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 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 the 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.

 

Date: August 11, 2016

 

    /s/ Joseph G. Sawyer  
  Joseph G. Sawyer, Chief Financial Officer  
  (Principal Financial and Accounting Officer)  
 
 EX-32 4 e00449_ex32.htm

Exhibit 32

 

CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350,

AS ADOPTED PURSUANT TO

SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

 

The undersigned, the Chief Executive Officer and the Chief Financial Officer of First Community Corporation (the “Company”), each certify that, to his knowledge on the date of this certification:

 

 

1.The quarterly report of the Company for the period ended June 30, 2016 as filed with the Securities and Exchange Commission on this date (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.

 

 

  /s/ Michael C. Crapps  
  Michael C. Crapps  
  Chief Executive Officer  
 

August 11, 2016

  
     
  /s/ Joseph G. Sawyer  
  Joseph G. Sawyer  
  Chief Financial Officer  
 

August 11, 2016

  
 
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background-color: rgb(204, 238, 255)"> <td style="text-align: left; text-indent: -8.65pt; padding-left: 8.65pt">&#160;&#160;Real estate:</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#160;</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#160;</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#160;</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#160;</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#160;</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#160;</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#160;</td> <td style="text-align: left">&#160;</td></tr> <tr style="vertical-align: bottom; 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padding-left: 8.65pt">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#160;</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#160;</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#160;</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#160;</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#160;</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#160;</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#160;</td> <td style="text-align: left">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255)"> <td style="text-indent: -8.65pt; padding-left: 8.65pt">Total:</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#160;</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#160;</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#160;</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#160;</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#160;</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#160;</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#160;</td> <td style="text-align: left">&#160;</td></tr> <tr style="vertical-align: bottom; 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background-color: rgb(204, 238, 255)"> <td style="text-align: left; text-indent: -8.65pt; padding-left: 8.65pt">&#160;&#160;Real estate:</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#160;</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#160;</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#160;</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#160;</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#160;</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#160;</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#160;</td> <td style="text-align: left">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="text-indent: -8.65pt; padding-left: 8.65pt">&#160;&#160;&#160;&#160;Construction</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#151;</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#151;</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#151;</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#151;</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#151;</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#151;</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#151;</td> <td style="text-align: left">&#160;</td></tr> <tr style="vertical-align: bottom; 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background-color: rgb(204, 238, 255)"> <td style="text-align: left; text-indent: -8.65pt; padding-left: 8.65pt">With an allowance recorded:</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#160;</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#160;</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#160;</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#160;</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#160;</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#160;</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#160;</td> <td style="text-align: left">&#160;</td></tr> <tr style="vertical-align: bottom; 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background-color: rgb(204, 238, 255)"> <td style="text-indent: -8.65pt; padding-left: 8.65pt">&#160;&#160;&#160;&#160;Mortgage-residential</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">51</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">51</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">3</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">52</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">2</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">51</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#151;</td> <td style="text-align: left">&#160;</td></tr> <tr style="vertical-align: bottom; 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background-color: white"> <td style="text-indent: -8.65pt; padding-left: 8.65pt">&#160;&#160;&#160;&#160;Other</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#151;</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#151;</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#151;</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#151;</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#151;</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#151;</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#151;</td> <td style="text-align: left">&#160;</td></tr> <tr style="vertical-align: bottom"> <td style="text-indent: -8.65pt; padding-left: 8.65pt">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#160;</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#160;</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#160;</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#160;</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#160;</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#160;</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#160;</td> <td style="text-align: left">&#160;</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255)"> <td style="text-indent: -8.65pt; padding-left: 8.65pt">Total:</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#160;</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#160;</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#160;</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#160;</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#160;</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#160;</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#160;</td> <td style="text-align: left">&#160;</td></tr> <tr style="vertical-align: bottom; 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background-color: white"> <td style="text-indent: -8.65pt; padding-left: 8.65pt">&#160;&#160;&#160;&#160;Construction</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#151;</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#151;</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#151;</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#151;</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#151;</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#151;</td> <td style="text-align: left">&#160;</td> <td>&#160;</td> <td style="text-align: left">&#160;</td> <td style="text-align: right">&#151;</td> <td style="text-align: left">&#160;</td></tr> <tr style="vertical-align: bottom; 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to resell Investment securities-held-to-maturity Investment securities-available-for-sale Other investments, at cost Loans held for sale Loans Less, allowance for loan losses Net loans Property, furniture and equipment - net Land held for sale Bank owned life insurance Other real estate owned Intangible assets Goodwill Other assets Total assets LIABILITIES Deposits: Non-interest bearing demand Interest bearing Total deposits Securities sold under agreements to repurchase Federal Home Loan Bank advances Junior subordinated debt Other liabilities Total liabilities SHAREHOLDERS' EQUITY Preferred stock, par value $1.00 per share, 10,000,000 shares authorized; none issued and outstanding Common stock, par value $1.00 per share; 10,000,000 shares authorized; issued and outstanding 6,699,030 at June 30, 2016 6,690,551 at December 31, 2015 Common stock warrants issued Nonvested restricted stock Additional paid in capital Accumulated Deficit Accumulated other comprehensive income Total 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owned Sale of loans held-for-sale Origination of loans held-for-sale Accretion on acquired loans Gain on sale of securities Writedown of land held for sale Loss on early extinguishment of debt Decrease in other assets Decrease in other liabilities Net cash provided from operating activities Cash flows from investing activities: Purchase of investment securities available-for-sale and other investments Purchase of investment securities held-to-maturity Maturity of investment securities available-for-sale Proceeds from sale of securities available-for-sale Proceeds from sale of other investments Increase in loans Proceeds from sale of other real estate owned Purchase of property and equipment Net cash used in investing activities Cash flows from financing activities: Increase in deposit accounts Increase in securities sold under agreements to repurchase Advances from the Federal Home Loan Bank Repayment of advances from the Federal Home Loan Bank Restricted shares surrendered Issuance of 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Schedule of reconciliation of the numerator and denominator of the basic and diluted earnings per common share computation Schedule of amortized cost and estimated fair values of available-for-sale Schedule of amortized cost and estimated fair values of held-to-maturity securities Schedule of gross unrealized losses and fair values, aggregated by investment category and length of time that individual securities have been in a continuous loss position Schedule of the amortized cost and fair value of investment securities by expected maturity Schedule of OTTI losses on available-for-sale securities Schedule of analysis of amounts relating to credit losses on debt securities recognized in earnings Summary of loans by category Schedule of activity in the allowance for loan losses and the recorded investment in loans receivable Schedule of loans individually evaluated and considered impaired Schedule of loan category and loans individually evaluated and considered impaired Schedule of loan 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for reportable business segments Numerator (Net income) Denominator Weighted average common shares outstanding for: Basic earnings per share (in shares) Dilutive securities: Deferred compensation (in shares) Warrants/Restricted stock -Treasury stock method (in shares) Diluted earnings per share (in shares) The average market price used in calculating assumed number of shares (in dollars per share) Warrants issued (in shares) Debt issued Warrants outstanding Restricted shares issued (in shares) Unrecognized compensation cost Schedule of Available-for-sale Securities [Table] Schedule of Available-for-sale Securities [Line Items] Legal Entity [Axis] Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value Trading Securities [Table] Schedule of Trading Securities and Other Trading Assets [Line Items] Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value Available-for-sale securities Less Than 12 Months, Fair Value Less Than 12 Months, Unrealized Losses 12 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ten years Total Amortized Cost Fair Value Number of securities with OTTI Fair Value of securities with OTTI Impairment charges recognized in earnings, credit component Estimated credit losses FHLB Stock Federal reserve stock Proceeds from sale of investment securities available-for-sale Gross realized gains Gross realized losses Tax provision applicable to net realized gain Securities pledged amortized cost Securities pledged fair value Number of securities with an OTTI wherein loss related to credit was recognized in earnings Schedule of Accounts, Notes, Loans and Financing Receivable [Table] Accounts, Notes, Loans and Financing Receivable [Line Items] Activity in the allowance for loan losses Balance at the beginning of the period Charge-offs Recoveries Provisions Balance at end of the period Allowance for loan losses Individually evaluated for impairment Collectively evaluated for impairment Loans receivable: Ending balance-total Individually evaluated for impairment Collectively evaluated for impairment Loans Details 3 Total loans considered impaired at year end Loans considered impaired for which there is a related allowance for loan loss: Outstanding loan balance Related allowance Loans considered impaired and previously written down to fair value Average impaired loans Amount of interest earned during period of impairment With no allowance recorded: Recorded Investment Unpaid Principal Balance Average Recorded Investment Interest Income Recognized With an allowance recorded: Recorded Investment Unpaid Principal Balance Average Recorded Investment Interest Income Recognized Total: Recorded Investment Unpaid Principal Balance Average Recorded Investment Interest Income Recognized Loans Details 6 Contractual principal and interest at acquisition Nonaccretable difference Expected cash flows at acquisition Accretable yield Basis in PCI loans at acquisition - estimated fair value Loans Details 7 Accretable yield, beginning of period Accretion Reclassification of 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or losses (realized/unrealized) Included in earnings Included in other comprehensive income Purchases, issuances, and settlements Maturities, sales, payoffs Transfers in and/or out of Level 3 Balance at the end of the period Total impaired loans Total other real estate owned Fair Value Inputs, Assets, Quantitative Information [Table] Fair Value Inputs, Assets, Quantitative Information [Line Items] Preferred stock OREO Rate (as a percent) Non-interest bearing demand deposits Total deposits Time deposits greater than $250 thousand Dividend and Interest Income Interest expense Net interest income Noninterest income Noninterest expense Net income before taxes Income tax (provision) benefit Net income (loss) Total assets Federal Home Loan Bank and Federal Reserve Bank Stocks Other Comprehensive Income Unrealized Holding Gain on Securities Arising During Period Tax Amortization of Compensation on Restricted Stock. Excercise of Stock Warrants. Excercise of Stock Warrants in Shares. Write Downs of Other Real Estate Owned It represents as a writedown of land held for sale. It represents as a restricted shares surrendered. Stock Issued During Period, Value, Dividend Reinvestment Plan, Cash Flow Impact Cash Paid (Abstract) Schedule of Other than Temporary Impairment of Investments Recognized in Earnings and Other Comprehensive Income (Loss) [Table Text Block] Allowance for Credit Losses on Financing Receivables and Recorded Investment in Loans Receivable by Loan Category [Table Text Block] Impaired Financing Receivables with and without Allocated Allowance [Table Text Block] Schedule of PCI Loan Portfolio at Fair Value. Schedule for Changes in Accretable Yield for PCI loans. Troubled Debt Restructurings that Subsequently Defaulted [Table Text Block] It represents as a tax on other comphrehensive loss. 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Document and Entity Information - shares
 6 Months Ended
Jun. 30, 2016
Aug. 11, 2016
Document And Entity Information    
Entity Registrant Name FIRST COMMUNITY CORP /SC/  
Entity Central Index Key 0000932781  
Document Type 10-Q  
Document Period End Date Jun. 30, 2016  
Amendment Flag false  
Current Fiscal Year End Date --12-31  
Entity a Well-known Seasoned Issuer No  
Entity a Voluntary Filer No  
Entity's Reporting Status Current Yes  
Entity Filer Category Smaller Reporting Company  
Entity Common Stock, Shares Outstanding   6,699,030
Document Fiscal Period Focus Q2  
Document Fiscal Year Focus 2016  
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CONSOLIDATED BALANCE SHEETS (Unaudited) - USD ($)
$ in Thousands
Jun. 30, 2016
Dec. 31, 2015
ASSETS    
Cash and due from banks $ 12,285 $ 10,973
Interest-bearing bank balances 9,412 11,375
Federal funds sold and securities purchased under agreements to resell 598 593
Investment securities-held-to-maturity 17,283 17,371
Investment securities-available-for-sale 267,315 264,687
Other investments, at cost 2,168 1,783
Loans held for sale 7,707 2,962
Loans 511,303 489,191
Less, allowance for loan losses 4,877 4,596
Net loans 506,426 484,595
Property, furniture and equipment - net 30,129 29,929
Land held for sale 1,080 1,080
Bank owned life insurance 20,603 20,301
Other real estate owned 1,355 2,458
Intangible assets 1,257 1,419
Goodwill 5,078 5,078
Other assets 6,141 8,130
Total assets 888,837 862,734
Deposits:    
Non-interest bearing demand 170,976 156,247
Interest bearing 558,647 559,904
Total deposits 729,623 716,151
Securities sold under agreements to repurchase 21,112 21,033
Federal Home Loan Bank advances 32,445 24,788
Junior subordinated debt 14,964 14,964
Other liabilities 6,482 6,760
Total liabilities 804,626 783,696
SHAREHOLDERS' EQUITY    
Preferred stock, par value $1.00 per share, 10,000,000 shares authorized; none issued and outstanding
Common stock, par value $1.00 per share; 10,000,000 shares authorized; issued and outstanding 6,699,030 at June 30, 2016 6,690,551 at December 31, 2015 6,699 6,690
Common stock warrants issued 46 46
Nonvested restricted stock (405) (297)
Additional paid in capital 75,863 75,761
Accumulated Deficit (1,835) (3,992)
Accumulated other comprehensive income 3,843 830
Total shareholders' equity 84,211 79,038
Total liabilities and shareholders' equity $ 888,837 $ 862,734
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CONSOLIDATED BALANCE SHEETS (Parenthetical) - $ / shares
Jun. 30, 2016
Dec. 31, 2015
Consolidated Balance Sheets    
Preferred stock, par value (in dollars per share) $ 1.00 $ 1.00
Preferred stock, shares authorized 10,000,000 10,000,000
Preferred stock, shares issued 0 0
Preferred stock, shares outstanding 0 0
Common stock, par value (in dollars per share) $ 1.00 $ 1.00
Common stock, shares authorized 10,000,000 10,000,000
Common stock, shares issued 6,699,030 6,690,551
Common stock, shares outstanding 6,699,030 6,690,551
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CONSOLIDATED STATEMENTS OF INCOME (Unaudited) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2016
Jun. 30, 2015
Jun. 30, 2016
Jun. 30, 2015
Interest income:        
Loans, including fees $ 5,924 $ 5,704 $ 11,605 $ 11,578
Taxable securities 1,011 909 1,959 1,911
Non taxable securities 498 406 983 786
Federal funds sold and securities purchased under resale agreements 18 8 32 14
Other 8 22 17 43
Total interest income 7,459 7,049 14,596 14,332
Interest expense:        
Deposits 445 435 893 861
Federal funds sold and securities sold under agreement to repurchase 10 7 20 15
Other borrowed money 327 403 669 804
Total interest expense 782 845 1,582 1,680
Net interest income 6,677 6,204 13,014 12,652
Provision for loan losses 217 391 357 797
Net interest income after provision for loan losses 6,460 5,813 12,657 11,855
Non-interest income:        
Deposit service charges 340 346 687 693
Mortgage banking income 913 980 1,578 1,715
Investment advisory fees and non-deposit commissions 297 407 588 703
Gain on sale of securities 64 167 123 271
Gain (loss) on sale of other assets (84) 1 (81) 5
Loss on early extinguishment of debt (103)
Other 734 664 1,458 1,262
Total non-interest income 2,264 2,565 4,353 4,546
Non-interest expense:        
Salaries and employee benefits 3,833 3,658 7,584 7,223
Occupancy 511 500 1,070 985
Equipment 437 394 866 796
Marketing and public relations 195 328 289 554
FDIC assessments 138 138 276 276
Other real estate expense 21 154 72 308
Amortization of intangibles 80 98 163 201
Other 1,118 1,119 2,355 2,146
Total non-interest expense 6,333 6,389 12,675 12,489
Net income before tax 2,391 1,989 4,335 3,912
Income taxes 646 546 1,122 1,065
Net income $ 1,745 $ 1,443 $ 3,213 $ 2,847
Basic earnings per common share (in dollars per share) $ 0.27 $ 0.22 $ 0.49 $ 0.44
Diluted earnings per common share (in dollars per share) $ 0.26 $ 0.22 $ 0.47 $ 0.43
XML 15 R5.htm IDEA: XBRL DOCUMENT v3.5.0.2
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2016
Jun. 30, 2015
Jun. 30, 2016
Jun. 30, 2015
Consolidated Statements Of Comprehensive Income        
Net income $ 1,745 $ 1,443 $ 3,213 $ 2,847
Other comprehensive income:        
Unrealized gain (loss) during the period on available-for-sale securities, net of tax of $1,594 and $32, respectively 1,259 (1,101) 3,095 (179)
Less: Reclassification adjustment for gain included in net income, net of tax benefit of $41 and $131, respectively (43) (111) (82) (140)
Other comprehensive income (loss) 1,216 (1,212) 3,013 (319)
Comprehensive income $ 2,961 $ 231 $ 6,226 $ 2,528
XML 16 R6.htm IDEA: XBRL DOCUMENT v3.5.0.2
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Parenthetical) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2016
Jun. 30, 2015
Jun. 30, 2016
Jun. 30, 2015
Consolidated Statements Of Comprehensive Income        
Unrealized gain during the period on available-for-sale securities, taxes $ 649 $ 567 $ 1,594 $ 32
Reclassification adjustment for gain included in net income, taxes $ 21 $ 56 $ 41 $ 131
XML 17 R7.htm IDEA: XBRL DOCUMENT v3.5.0.2
Consolidated Statements of Changes in Shareholders' Equity (Unaudited) - USD ($)
$ in Thousands
Common Stock [Member]
Common Stock Warrants [Member]
Additional Paid-In Capital [Member]
Nonvested Restricted Stock [Memver]
Accumulated Deficit [Member]
Accumulated Other Comprehensive Income [Member]
Total
Beginning Balance at Dec. 31, 2014 $ 6,664 $ 48 $ 75,504 $ (673) $ (8,286) $ 1,271 $ 74,528
Beginning Balance, in shares at Dec. 31, 2014 6,664            
Net income         2,847   2,847
Other comprehensive loss net of tax of $164 and $1,552           (319) (319)
Issuance of restricted stock $ 13   137 (150)    
Issuance of restricted stock, in shares 13            
Amortization compensation restricted stock       268     268
Exercise of stock warrants $ 2 (2)        
Exercise of stock warrants, in shares 2            
Issuance of common stock            
Dividends: Common ($0.14 and $0.16 per share)         (913)   (913)
Dividend reinvestment plan $ 8   90       98
Dividend reinvestment plan, in shares 8            
Ending Balance at Jun. 30, 2015 $ 6,679 46 75,641 (555) (6,352) 952 76,411
Ending Balance, in shares at Jun. 30, 2015 6,679            
Beginning Balance at Dec. 31, 2015 $ 6,690 46 75,761 (297) (3,992) 830 79,038
Beginning Balance, in shares at Dec. 31, 2015 6,690            
Net income         3,213   3,213
Other comprehensive loss net of tax of $164 and $1,552           3,013 3,013
Issuance of restricted stock $ 22   275 (297)    
Issuance of restricted stock, in shares 22           138,000
Amortization compensation restricted stock       189     $ 189
Shares retired $ (26)   (327)       (353)
Shares retired (in shares) (26)            
Issuance of common stock $ 1   13       (14)
Issuance of common stock (in shares) 1            
Dividends: Common ($0.14 and $0.16 per share)         (1,056)   (1,056)
Dividend reinvestment plan $ 12   141       153
Dividend reinvestment plan, in shares 12            
Ending Balance at Jun. 30, 2016 $ 6,699 $ 46 $ 75,863 $ (405) $ (1,835) $ 3,843 $ 84,211
Ending Balance, in shares at Jun. 30, 2016 6,699            
XML 18 R8.htm IDEA: XBRL DOCUMENT v3.5.0.2
Consolidated Statements of Changes in Shareholders' Equity (Parenthetical) - USD ($)
$ in Thousands
 6 Months Ended
Jun. 30, 2016
Jun. 30, 2015
Statement of Stockholders' Equity [Abstract]    
Tax on Other Comphrehensive loss $ 1,552 $ 164
Common Stock, dividends $ 0.16 $ 0.14
XML 19 R9.htm IDEA: XBRL DOCUMENT v3.5.0.2
Consolidated Statements of Cash Flows - USD ($)
 3 Months Ended 6 Months Ended 12 Months Ended
Jun. 30, 2016
Jun. 30, 2015
Jun. 30, 2016
Jun. 30, 2015
Dec. 31, 2015
Cash flows from operating activities:          
Net income $ 1,745,000 $ 1,443,000 $ 3,213,000 $ 2,847,000  
Adjustments to reconcile net income to net cash provided in operating activities:          
Depreciation     657,000 613,000  
Premium amortization     1,953,000 2,009,000  
Provision for loan losses 217,000 391,000 357,000 797,000 $ 1,138,000
Writedowns of other real estate owned     10,000 162,000  
Loss (gain) on sale of other real estate owned     81,000 (5,000)  
Sale of loans held-for-sale     40,653,000 51,243,000  
Origination of loans held-for-sale     (45,397,000) (53,781,000)  
Amortization of intangibles 80,000 98,000 163,000 201,000  
Accretion on acquired loans     (741,000) (607,000)  
Gain on sale of securities (64,000) (167,000) (123,000) (271,000)  
Writedown of land held for sale     100,000  
Loss on early extinguishment of debt 103,000  
Decrease in other assets     158,000 1,098,000  
Decrease in other liabilities     (277,000) (1,220,000)  
Net cash provided from operating activities     705,000 3,289,000  
Cash flows from investing activities:          
Purchase of investment securities available-for-sale and other investments     (31,005,000) (21,341,000)  
Purchase of investment securities held-to-maturity     (6,065,000)  
Maturity of investment securities available-for-sale     16,903,000 19,127,000  
Proceeds from sale of securities available-for-sale 2,200,000 10,100,000 14,126,000 17,061,000  
Proceeds from sale of other investments     793,000  
Increase in loans     (21,817,000) (30,421,000)  
Proceeds from sale of other real estate owned     1,357,000 388,000  
Purchase of property and equipment     (858,000) (1,820,000)  
Net cash used in investing activities     (21,294,000) (22,278,000)  
Cash flows from financing activities:          
Increase in deposit accounts     13,472,000 14,532,000  
Increase in securities sold under agreements to repurchase     79,000 2,077,000  
Advances from the Federal Home Loan Bank     50,500,000 29,500,000  
Repayment of advances from the Federal Home Loan Bank     (42,866,000) (22,863,000)  
Restricted shares surrendered     (353,000) (98,000)  
Issuance of common stock     14,000  
Dividends paid: Common Stock     (1,056,000) (913,000)  
Dividend reinvestment plan     153,000 98,000  
Net cash provided from financing activities     19,943,000 22,333,000  
Net increase in cash and cash equivalents     (646,000) 3,344,000  
Cash and cash equivalents at beginning of year     22,941,000 22,532,000 22,532,000
Cash and cash equivalents at end of year $ 22,295,000 $ 25,876,000 22,295,000 25,876,000 $ 22,941,000
Cash paid during the period for:          
Interest     1,614,000 1,754,000  
Income taxes     650,000 1,460,000  
Non-cash investing and financing activities:          
Unrealized gain (loss) on securities     3,013,000 (319,000)  
Transfer of loans to foreclosed property     $ 347,000 $ 122,000  
XML 20 R10.htm IDEA: XBRL DOCUMENT v3.5.0.2
Basis of Presentation
 6 Months Ended
Jun. 30, 2016
Organization, Consolidation and Presentation of Financial Statements [Abstract]  
Basis of Presentation

Note 1 - Basis of Presentation

 

In the opinion of management, the accompanying unaudited consolidated balance sheets, and the consolidated statements of income, comprehensive income, changes in shareholders’ equity, and the cash flows of First Community Corporation (the “Company”), present fairly in all material respects the Company’s financial position at June 30, 2016 and December 31, 2015, and the Company’s results of operations and cash flows for the three and six months ended June 30, 2016 and 2015. The results of operations for the three and six months ended June 30, 2016 are not necessarily indicative of the results that may be expected for the year ending December 31, 2016.

 

In the opinion of management, all adjustments necessary to fairly present the consolidated financial position and consolidated results of operations have been made. All such adjustments are of a normal, recurring nature. All significant intercompany accounts and transactions have been eliminated in consolidation. The consolidated financial statements and notes thereto are presented in accordance with the instructions for Form 10-Q. The information included in the Company’s 2015 Annual Report on Form 10-K should be referred to in connection with these unaudited interim financial statements.
XML 21 R11.htm IDEA: XBRL DOCUMENT v3.5.0.2
Earnings Per Common Share
 6 Months Ended
Jun. 30, 2016
Earnings Per Share [Abstract]  
Earnings Per Common Share

Note 2 – Earnings Per Common Share

 

The following reconciles the numerator and denominator of the basic and diluted earnings per common share computation:

 

(In thousands except average market price)

    Six months     Three months  
    Ended June 30,     Ended June 30,  
    2016     2015     2016     2015  
                                 
Numerator (Net income)   $ 3,213     $ 2,847     $ 1,745     $ 1,443  
Denominator                                
Weighted average common shares outstanding for:                                
Basic earnings per share     6,554       6,534       6,584       6,539  
Dilutive securities:                                
Deferred compensation     38       50       38       50  
Warrants/Restricted stock – Treasury           stock method     141       94       147       109  
Diluted earnings per share     6,733       6,678       6,769       6,698  
The average market price used in calculating assumed number of shares   $ 14.00     $ 12.12     $ 14.00     $ 12.12  

  

In the fourth quarter of 2011, we issued $2.5 million in 8.75% subordinated notes maturing December 16, 2019. On November 15, 2012, the subordinated notes were redeemed in full at par. Warrants for 107,500 shares of common stock at $5.90 per share were issued in connection with the issuance of the subordinated notes. At June 30, 2016 there were 97,180 warrants outstanding. These warrants expire on December 16, 2019 and are included in dilutive securities in the table above.

 

The Company has issued a total of 138,000 restricted shares under the terms of its compensation plans and employment agreements. The employee shares cliff vest over a three year period, and the non-employee director shares vest one year after issuance. The unrecognized compensation cost at June 30, 2016 for non-vested shares amounts to $405 thousand.

 

In 2006, the Company established a Non-Employee Director Deferred Compensation Plan, whereby a director may elect to defer all or any part of their annual retainer and monthly meeting fees payable with respect to service on the board of directors or a committee of the board. Units of common stock are credited to the director’s account at the time compensation is earned and are included in dilutive securities in the table above. At June 30, 2016 there were 99,050 units issued under the Plan. The accrued liability at June 30, 2016 amounted to $922.5 thousand and is included in “Other liabilities” on the balance sheet.
XML 22 R12.htm IDEA: XBRL DOCUMENT v3.5.0.2
Investment Securities
 6 Months Ended
Jun. 30, 2016
Investments, Debt and Equity Securities [Abstract]  
Investment Securities

Note 3—Investment Securities

 

The amortized cost and estimated fair values of investment securities at June 30, 2016 and December 31, 2015 are summarized below:

AVAILABLE-FOR-SALE:

(Dollars in thousands)   Amortized
Cost		     Gross
Unrealized
Gains		     Gross
Unrealized
Losses		     Fair Value  
June 30, 2016:                                
US Treasury securities   $ 1,542     $ 35     $ —     $ 1,577  
Government sponsored enterprises     954       78       —       1,032  
Mortgage-backed securities     149,415       2,168       315       151,268  
Small Business Administration pools     55,223       476       348       55,351  
State and local government     52,595       3,663       —       56,258  
Corporate and other securities     1,882       —       53       1,829  
    $ 261,611     $ 6,420     $ 716     $ 267,315  
December 31, 2015:                                
US Treasury securities   $ 1,547     $ —     $ 25     $ 1,522  
Government sponsored enterprises     950       42       —       992  
Mortgage-backed securities     146,935       498       1,172       146,261  
Small Business Administration pools     57,474       355       501       57,328  
State and local government     55,294       2,037       36       57,295  
Corporate and other securities     1,349       —       60       1,289  
    $ 263,549     $ 2,932     $ 1,794     $ 264,687  

 

HELD-TO-MATURITY:

(Dollars in thousands)   Amortized
Cost		     Gross
Unrealized
Gains		     Gross
Unrealized
Losses		     Fair Value  
June 30, 2016:                                
State and local government   $ 17,283     $ 817     $ —     $ 18,100  
    $ 17,283     $ 817     $ —     $ 18,100  
December 31, 2015:                                
State and local government   $ 17,371     $ 211     $ 27     $ 17,555  
    $ 17,371     $ 211     $ 27     $ 17,555  

 

During the six months ended June 30, 2016 and 2015, the Company received proceeds of $14.1 million and $17.1 million, respectively, from the sale of investment securities available-for-sale. For the six months ended June 30, 2016, gross realized gains totaled $123 thousand and there were no gross realized losses. For the six months ended June 30, 2015, gross realized gains totaled $271 thousand and there were no gross realized losses. During the three months ended June 30, 2016 and 2015, the Company received proceeds of $2.2 million and $10.1 million, respectively, from the sale of investment securities available-for-sale.  For the three months ended June 30, 2016, gross realized gains totaled $64 thousand and there were no gross realized losses. For the three months ended June 30, 2015, gross realized gains totaled $167 thousand and there were no gross realized losses.

 

At June 30, 2016, corporate and other securities available-for-sale included the following at fair value: mutual funds at $826.1 thousand, foreign debt of $60.2 thousand, and preferred stock in the amount of $950.0 thousand. At December 31, 2015, corporate and other securities available-for-sale included the following at fair value: mutual funds at $839.2 thousand, foreign debt of $60.3 thousand, and corporate preferred stock in the amount of $416.8 thousand.

 

Other investments, at cost, include Federal Home Loan Bank (“FHLB”) stock in the amount of $2.2 million and $1.8 million at June 30, 2016 and December 31, 2015, respectively.

 

The following tables show gross unrealized losses and fair values, aggregated by investment category and length of time that individual securities have been in a continuous loss position, at June 30, 2016 and December 31, 2015. There were no held-to-maturity securities with gross unrealized losses at June 30, 2016.

 

    Less than 12 months     12 months or more     Total  
June 30, 2016
(Dollars in thousands)		   Fair Value     Unrealized
Loss		     Fair Value     Unrealized
Loss		     Fair Value     Unrealized
Loss		  
Available-for-sale securities:                                                
Government Sponsored Enterprise mortgage-backed securities   $ 13,693     $ 109     $ 15,017     $ 201     $ 28,710     $ 310  
Small Business Administration pools     6,708       16       24,810       331       31,518       347  
Non-agency mortgage-backed securities     159       2       250       4       409       6  
Corporate bonds and other     —       —       818       53       818       53  
Total   $ 20,560     $ 127     $ 40,895     $ 589     $ 61,455     $ 716  

 

    Less than 12 months     12 months or more     Total  
December 31, 2015
(Dollars in thousands)		   Fair Value     Unrealized
Loss		     Fair Value     Unrealized
Loss		     Fair Value     Unrealized
Loss		  
Available-for-sale securities:                                                
US Treasury   $ 1,522     $ 25     $ —     $ —     $ 1,522     $ 25  
Government Sponsored Enterprise mortgage-backed securities     69,112       731       17,593       439       86,705       1,170  
Small Business Administration pools     13,386       153       25,709       348       39,095       501  
Non-agency mortgage-backed securities     —       —       186       2       186       2  
State and local government     1,461       8       1,362       28       2,823       36  
Corporate bonds and other     —       —       812       60       812       60  
Total   $ 85,481     $ 917     $ 45,662     $ 877     $ 131,143     $ 1,794  

 

    Less than 12 months     12 months or more     Total  
December 31, 2015
(Dollars in thousands)		   Fair Value     Unrealized
Loss		     Fair Value     Unrealized
Loss		     Fair Value     Unrealized
Loss		  
Held-to-maturity securities:                                                
State and local government   $ 3,473     $ 24     $ 444     $ 3     $ 3,917     $ 27  
Total   $ 3,473     $ 24     $ 444     $ 3     $ 3,917     $ 27  

Government Sponsored Enterprise, Mortgage-Backed Securities: The Company owned mortgage-backed securities (“MBSs”), including collateralized mortgage obligations (“CMOs”), issued by government sponsored enterprises (“GSEs”) with an amortized cost of $148.9 million and $146.9 million and approximate fair value of $150.8 million and $146.3 million at June 30, 2016 and December 31, 2015, respectively. As of June 30, 2016 and December 31, 2015, all of the MBSs issued by GSEs were classified as “Available for Sale.” Unrealized losses on certain of these investments are not considered to be “other than temporary,” and we have the intent and ability to hold these until they mature or recover the current book value. The contractual cash flows of the investments are guaranteed by the GSE. Accordingly, it is expected that the securities would not be settled at a price less than the amortized cost of the Company’s investment. Because the Company does not intend to sell these securities and it is more likely than not the Company will not be required sell these securities before a recovery of its amortized cost, which may be maturity, the Company does not consider the investments to be other-than-temporarily impaired at June 30, 2016. 

Non-agency Mortgage-Backed Securities: The Company held private label mortgage-backed securities (“PLMBSs”), including CMOs, at June 30, 2016 with an amortized cost of $480.4 thousand and approximate fair value of $475.7 thousand. The Company held PLMBSs, including CMOs, at December 31, 2015 with an amortized cost of $554.8 thousand and approximate fair value of $556.3 thousand. Management monitors each of these securities on a quarterly basis to identify any deterioration in the credit quality, collateral values and credit support underlying the investments. 

 

State and Local Governments and Other: Management monitors these securities on a quarterly basis to identify any deterioration in the credit quality. Included in the monitoring is a review of the credit rating, a financial analysis and certain demographic data on the underlying issuer. The Company does not consider these securities to be other-than-temporarily impaired at June 30, 2016. 

 

The following sets forth the amortized cost and fair value of investment securities at June 30, 2016 by contractual maturity. Expected maturities differ from contractual maturities because borrowers may have the right to call or prepay the obligations with or without prepayment penalties. MBSs are based on average life at estimated prepayment speeds.

 

    Available-for-sale     Held-to-maturity  
(Dollars in thousands)   Amortized
Cost		     Fair
Value		     Amortized
Cost		     Fair
Value		  
Due in one year or less   $ 8,059     $ 8,075     $ —     $ —  
Due after one year through five years     143,234       145,584       4,994       5,147  
Due after five years through ten years     100,893       104,248       12,289       12,953  
Due after ten years     9,425       9,408       —       —  
    $ 261,611     $ 267,315     $ 17,283     $ 18,100  

 
XML 23 R13.htm IDEA: XBRL DOCUMENT v3.5.0.2
Loans
 6 Months Ended
Jun. 30, 2016
Receivables [Abstract]  
Loans

Note 4—Loans

 

Loans summarized by category as of June 30, 2016, December 31, 2015 and June 30, 2015 are as follows:

    June 30,     December 31,     June 30,  
(Dollars in thousands)   2016     2015     2015  
Commercial, financial and agricultural   $ 39,480     $ 37,809     $ 37,915  
Real estate:                        
  Construction     42,253       35,829       30,392  
  Mortgage-residential     50,500       49,077       49,341  
  Mortgage-commercial     339,276       326,978       315,373  
Consumer:                        
  Home equity     31,608       30,906       32,264  
  Other     8,186       8,592       8,731  
Total   $ 511,303     $ 489,191     $ 474,016  

 

The detailed activity in the allowance for loan losses and the recorded investment in loans receivable as of and for the six months ended June 30, 2016 and 2015 and for the year ended December 31, 2015 is as follows:

 

(Dollars in thousands)                                
                Real estate     Real estate                          
          Real estate     Mortgage     Mortgage     Consumer     Consumer              
    Commercial     Construction     Residential     Commercial     Home equity     Other     Unallocated     Total  
June 30, 2016                                                                
Allowance for loan losses:                                                                
Beginning balance
December 31, 2015		   $ 75     $ 51     $ 223     $ 2,036     $ 127     $ 37     $ 2,047     $ 4,596  
  Charge-offs     —       —       (1 )     (58 )     (8 )     (33 )     —       (100 )
  Recoveries     3       —       5       8       2       6       —       24  
  Provisions     (7 )     8       (20 )     363       (28 )     13       28       357  
Ending balance
June 30, 2016		   $ 71     $ 59     $ 207     $ 2,349     $ 93     $ 23     $ 2,075     $ 4,877  
                                                                 
Ending balances:                                                                
  Individually evaluated for impairment   $ —     $ —     $ —     $ 3     $ —     $ —     $ —     $ 3  
                                                                 
  Collectively evaluated for impairment     71       59       207       2,346       93       23       2,075       4,874  
                                                                 
June 30, 2016
Loans receivable:		                                                                
Ending balance-total   $ 39,480     $ 42,253     $ 50,500     $ 339,276     $ 31,608     $ 8,186     $ —     $ 511,303  
                                                                 
Ending balances:                                                                
  Individually evaluated for impairment     1       —       718       5,353       30       —       —       6,102  
                                                                 
  Collectively evaluated for impairment   $ 39,479     $ 42,253     $ 49,782     $ 333,923     $ 31,578     $ 8,186     $ —     $ 505,201  

 

(Dollars in thousands)                            
                Real estate     Real estate                          
          Real estate     Mortgage     Mortgage     Consumer     Consumer              
    Commercial     Construction     Residential     Commercial     Home equity     Other     Unallocated     Total  
June 30, 2015                                                                
Allowance for loan losses:                                                                
Beginning balance
December 31, 2014		   $ 67     $ 45     $ 179     $ 1,572     $ 134     $ 44     $ 2,091     $ 4,132  
  Charge-offs     (56 )     —       (26 )     (625 )     —       (27 )     —       (734 )
  Recoveries     3       —       2       5       2       74       —       86  
  Provisions     207       79       24       822       (17 )     (31 )     (287 )     797  
Ending balance
June 30, 2015		   $ 221     $ 124     $ 179     $ 1,774     $ 119     $ 60     $ 1,804     $ 4,281  
                                                                 
Ending balances:                                                                
  Individually evaluated for impairment   $ —     $ —     $ 3     $ 1     $ —     $ —     $ —     $ 4  
                                                                 
  Collectively evaluated for impairment     221       124       176       1,773       119       60       1,804       4,277  
                                                                 
June 30, 2015
Loans receivable:		                                                                
Ending balance-total   $ 37,915     $ 30,392     $ 49,341     $ 315,373     $ 32,264     $ 8,731     $ —     $ 474,016  
                                                                 
Ending balances:                                                                
  Individually evaluated for impairment     13       —       997       5,924       89       —       —       7,023  
                                                                 
  Collectively evaluated for impairment   $ 37,902     $ 30,392     $ 48,344     $ 309,449     $ 32,175     $ 8,731     $ —     $ 466,993

 

(

 

Dollars in thousands)

                                
                Real estate     Real estate                          
          Real estate     Mortgage     Mortgage     Consumer     Consumer              
    Commercial     Construction     Residential     Commercial     Home equity     Other     Unallocated     Total  
December 31, 2015                                                                
Allowance for loan losses:                                                                
Beginning balance
December 31, 2014		   $ 67     $ 45     $ 179     $ 1,572     $ 134     $ 44     $ 2,091     $ 4,132  
  Charge-offs     (69 )     —       (50 )     (626 )     —       (62 )     —       (807 )
  Recoveries     6       —       7       33       3       84       —       133  
  Provisions     71       6       87       1,057       (10 )     (29 )     (44 )     1,138  
Ending balance
December 31, 2015		   $ 75     $ 51     $ 223     $ 2,036     $ 127     $ 37     $ 2,047     $ 4,596  
                                                                 
Ending balances:                                                                
  Individually evaluated for impairment   $ —     $ —     $ 3     $ —     $ —     $ —     $ —     $ 3  
                                                                 
  Collectively evaluated for impairment     75       51       220       2,036       127       37       2,047       4,593  
                                                                 
December 31, 2015
Loans receivable:		                                                                
Ending balance-total   $ 37,809     $ 35,829     $ 49,077     $ 326,978     $ 30,906     $ 8,592     $ —     $ 489,191  
                                                                 
Ending balances:                                                                
  Individually evaluated for impairment     9       —       848       5,620       —       —       —       6,477  
                                                                 
  Collectively evaluated for impairment   $ 37,800     $ 35,829     $ 48,229     $ 321,358     $ 30,906     $ 8,592     $ —     $ 482,714  

Loans outstanding and available lines of credit to bank directors, executive officers and their related business interests totaled

Loans outstanding and available lines of credit to bank directors, executive officers and their related business interests totaled $8.8 million and $8.4 million at June 30, 2016 and 2015, respectively. Repayments on these loans during the six months ended June 30, 2016 were $378.9 thousand and there were no new loans made. During the six months ended June 30, 2015, repayments on these loans totaled $1.2 million and loans made totaled $1.7 million. Related party loans are made on substantially the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with unrelated persons and generally do not involve more than the normal risk of collectability.

The detailed activity in the allowance for loan losses as of and for the three months ended June 30, 2016 and the three months ended June 30, 2015 is as follows:

(Dollars in thousands)                                      
                Real estate     Real estate                          
          Real estate     Mortgage     Mortgage     Consumer     Consumer              
    Commercial     Construction     Residential     Commercial     Home equity     Other     Unallocated     Total  
2016                                                                
Allowance for loan losses:                                                                
Beginning balance
March 31, 2016		   $ 73     $ 57     $ 237     $ 2,001     $ 87     $ 26     $ 2,206     $ 4,687  
  Charge-offs     —       —       (1 )     (13 )     (8 )     (15 )     —       (37 )
  Recoveries     1       —       3       2       1       3       —       10  
  Provisions     (3 )     2       (32 )     359       13       9       (131 )     217  
Ending balance
June 30, 2016		   $ 71     $ 59     $ 207     $ 2,349     $ 93     $ 23     $ 2,075     $ 4,877  

 

(Dollars in thousands)                                      
                Real estate     Real estate                          
          Real estate     Mortgage     Mortgage     Consumer     Consumer              
    Commercial     Construction     Residential     Commercial     Home equity     Other     Unallocated     Total  
2015                                                                
Allowance for loan losses:                                                                
Beginning balance
March 31, 2015		   $ 210     $ 134     $ 243     $ 1,580     $ 121     $ 58     $ 1,906     $ 4,252  
  Charge-offs     —       —       (26 )     (334 )     —       (16 )     —       (376 )
  Recoveries     1       —       1       1       1       10       —       14  
  Provisions     10       (10 )     (39 )     527       (3 )     8       (102 )     391  
Ending balance
June 30, 2015		   $ 221     $ 124     $ 179     $ 1,774     $ 119     $ 60     $ 1,804     $ 4,281  

  

The following table presents at June 30, 2016 and December 31, 2015 loans individually evaluated and considered impaired under Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”) 310 “Accounting by Creditors for Impairment of a Loan.” Impairment includes performing troubled debt restructurings (“TDRs”).

 

(Dollars in thousands)   June 30,     December 31,  
    2016     2015  
Total loans considered impaired   $ 6,102     $ 6,477  
Loans considered impaired for which there is a related allowance for loan loss:                
Outstanding loan balance     48       49  
Related allowance     3       3  
Loans considered impaired and previously written down to fair value     6,054       6,428  
Average impaired loans     9,729       9,518  

 

 

The following tables are by loan category and present at June 30, 2016, December 31, 2015 and June 30, 2015 loans individually evaluated and considered impaired under FASB ASC 310 “Accounting by Creditors for Impairment of a Loan.” Impairment includes performing TDRs.

 

(Dollars in thousands)                     Six months ended     Three months ended  
          Unpaid           Average     Interest     Average     Interest  
June 30, 2016   Recorded     Principal     Related     Recorded     Income     Recorded     Income  
    Investment     Balance     Allowance     Investment     Recognized     Investment     Recognized  
With no allowance recorded:                                                        
  Commercial   $ 1     $ 1     $ —     $ 6     $ —     $ 3     $ —  
  Real estate:                                                        
    Construction     —       —       —       —       —       —       —  
    Mortgage-residential     670       687       —       794       1       837       1  
    Mortgage-commercial     5, 353       7,855       —       8,851       50       8,796       24  
  Consumer:                                                        
    Home Equity     30       30       —       30       —       30       —  
    Other     —       —       —       —       —       —       —  
                                                         
With an allowance recorded:                                                        
  Commercial     —       —       —       —       —       —       —  
  Real estate:                                                        
    Construction     —       —       —       —       —       —       —  
    Mortgage-residential     48       48       3       48       1       48       1  
    Mortgage-commercial     —       —       —       —       —       —       —  
  Consumer:                                                        
    Home Equity     —       —       —       —       —       —       —  
    Other     —       —       —       —       —       —       —  
                                                         
Total:                                                        
  Commercial   $ 1     $ 1     $ —     $ 6     $ —     $ 3     $ —  
  Real estate:                                                        
    Construction     —       —       —       —       —       —       —  
    Mortgage-residential     718       735       3       842       1       837       1  
    Mortgage-commercial     5, 353       7,855       —       8,851       50       8,796       24  
  Consumer:                                                        
    Home Equity     30       30       —       30       —       30       —  
    Other     —       —       —       —       —       —       —  
    $ 6,102     $ 8,621     $ 3     $ 9,729     $ 51     $ 9,666     $ 25

 

(Dollars in thousands)                     Six months ended     Three months ended  
          Unpaid           Average     Interest     Average     Interest  
June 30, 2015   Recorded     Principal     Related     Recorded     Income     Recorded     Income  
    Investment     Balance     Allowance     Investment     Recognized     Investment     Recognized  
With no allowance recorded:                                                        
  Commercial   $ 13     $ 13     $ —     $ 15     $ 1     $ 14     $ —  
  Real estate:                                                        
    Construction     —       —       —       —       —       —       —  
    Mortgage-residential     946       1,201       —       1,207       14       1,204       8  
    Mortgage-commercial     5,890       8,327       —       8,428       165       8,073       79  
  Consumer:                                                        
    Home Equity     89       95       —       96       2       97       1  
    Other     —       —       —       —       —       —       —  
                                                         
With an allowance recorded:                                                        
  Commercial     —       —       —       —       —       —       —  
  Real estate:                                                        
    Construction     —       —       —       —       —       —       —  
    Mortgage-residential     51       51       3       52       2       51       —  
    Mortgage-commercial     34       34       1       34       1       346       —  
  Consumer:                                                        
    Home Equity     —       —       —       —       —       —       —  
    Other     —       —       —       —       —       —       —  
                                                         
Total:                                                        
  Commercial   $ 13     $ 13     $ —     $ 15     $ 1     $ 14     $ —  
  Real estate:                                                        
    Construction     —       —       —       —       —       —       —  
    Mortgage-residential     997       1,252       3       1,259       16       1,255       8  
    Mortgage-commercial     5,924       8,361       1       8,462       166       8,419       79  
  Consumer:                                                        
    Home Equity     89       95       —       96       2       97       1  
    Other     —       —       —       —       —       —       —  
    $ 7,023     $ 9,721     $ 4     $ 9,832     $ 185     $ 9,785     $ 88  

 

(Dollars in thousands)                              
December 31, 2015         Unpaid           Average     Interest  
    Recorded     Principal     Related     Recorded     Income  
    Investment     Balance     Allowance     Investment     Recognized  
With no allowance recorded:                                        
  Commercial   $ 9     $ 9     $ —     $ 13     $ —  
  Real estate:                                        
    Construction     —       —       —       —       —  
    Mortgage-residential     799       874       —       1,082       1  
    Mortgage-commercial     5,620       7,548       —       8,372       60  
  Consumer:                                        
    Home Equity     —       —       —       —       —  
    Other     —       —       —       —       —  
                                         
With an allowance recorded:                                        
  Commercial     —       —       —       —       —  
  Real estate:                                        
    Construction     —       —       —       —       —  
    Mortgage-residential     49       49       3       51       3  
    Mortgage-commercial     —       —       —       —       —  
  Consumer:                                        
    Home Equity     —       —       —       —       —  
    Other     —       —       —       —       —  
                                         
Total:                                        
  Commercial     9       9       —       13       —  
  Real estate:                                        
    Construction     —       —       —       —       —  
    Mortgage-residential     848       923       3       1,133       4  
    Mortgage-commercial     5,620       7,548       —       8,372       60  
  Consumer:                                        
    Home Equity     —       —       —       —       —  
    Other     —       —       —       —       —  
    $ 6,477     $ 8,480     $ 3     $ 9,518     $ 64  

  

The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt, including: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. The Company analyzes loans individually by classifying the loans as to credit risk. This analysis is performed on a monthly basis. The Company uses the following definitions for risk ratings:

 

Special Mention. Loans classified as special mention have a potential weakness that deserves management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of the institution’s credit position at some future date. Special mention assets are not adversely classified and do not expose an institution to sufficient risk to warrant adverse classification.

 

Substandard. Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected.

 

Doubtful. Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with 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.

 

Loans not meeting the criteria above that are analyzed individually as part of the above described process are considered as pass rated loans. As of June 30, 2016 and December 31, 2015, and based on the most recent analysis performed, the risk category of loans by class of loans is shown in the table below. As of June 30, 2016 and December 31, 2015, no loans were classified as doubtful.

 

(Dollars in thousands)                              
June 30, 2016         Special                    
    Pass     Mention     Substandard     Doubtful     Total  
Commercial, financial & agricultural   $ 39,247     $ 232     $ 1     $ —     $ 39,480  
Real estate:                                        
   Construction     41,912       341       —       —       42,253  
   Mortgage – residential     48,742       776       982       —       50,500  
   Mortgage – commercial     320,094       11,775       7,407       —       339,276  
Consumer:                                        
  Home Equity     31,274       173       161       —       31,608  
  Other     8,185       —       1       —       8,186  
Total   $ 489,454     $ 13,297     $ 8,552     $ —     $ 511,303  

 

(Dollars in thousands)                              
December 31, 2015         Special                    
    Pass     Mention     Substandard     Doubtful     Total  
Commercial, financial & agricultural   $ 37,501     $ 299     $ 9     $ —     $ 37,809  
Real estate:                                        
   Construction     35,374       455       —       —       35,829  
   Mortgage – residential     46,580       1,378       1,119       —       49,077  
   Mortgage – commercial     310,367       7,555       9,056       —       326,978  
Consumer:                                        
  Home Equity     30,587       180       139       —       30,906  
  Other     8,587       1       4       —       8,592  
Total   $ 468,996     $ 9,868     $ 10,327     $ —     $ 489,191  

 

At June 30, 2016 and December 31, 2015, non-accrual loans totaled $4.5 million and $4.8 million, respectively.

 

TDRs that are still accruing and included in impaired loans at June 30, 2016 and December 31, 2015 amounted to $1.6 million and $1.6 million, respectively. TDRs in non-accrual status at June 30, 2016 and December 31, 2015 amounted to $1.5 million and $1.8 million, respectively.

 

Loans greater than 90 days delinquent and still accruing interest were $38.1 thousand as of June 30, 2016. There were no loans greater than 90 days delinquent and still accruing interest as of December 31, 2015.

 

We account for acquisitions under FASB ASC Topic 805, Business Combinations, which requires the use of the acquisition method of accounting. All identifiable assets acquired, including loans, are recorded at fair value. No allowance for loan losses related to the acquired loans is recorded on the acquisition date because the fair value of the loans acquired incorporates assumptions regarding credit risk.

 

Acquired credit-impaired loans are accounted for under the accounting guidance for loans and debt securities acquired with deteriorated credit quality, found in FASB ASC Topic 310-30, Receivables—Loans and Debt Securities Acquired with Deteriorated Credit Quality, and initially measured at fair value, which includes estimated future credit losses expected to be incurred over the life of the loans. Loans acquired in business combinations with evidence of credit deterioration are considered impaired. Loans acquired through business combinations that do not meet the specific criteria of FASB ASC Topic 310-30, but for which a discount is attributable, at least in part to credit quality, are also accounted for under this guidance. Certain acquired loans, including performing loans and revolving lines of credit (consumer and commercial), are accounted for in accordance with FASB ASC Topic 310-20, where the discount is accreted through earnings based on estimated cash flows over the estimated life of the loan.

 

Purchase credit impaired (“PCI”) loans acquired totaled $4.2 million at estimated fair value, and acquired performing loans totaling $102.3 million at estimated fair value were not credit impaired. The gross contractual amount receivable for PCI loans and acquired performing loans was approximately $5.7 million and $116.0 million, respectively, as of the acquisition date. For the acquired performing loans, the best estimate at acquisition date of contractual cash flows not expected to be collected is $825 thousand. Determining the fair value of PCI loans at acquisition required the Company to estimate cash flows expected to result from those loans and to discount those cash flows at appropriate rates of interest. For such loans, the excess of cash flows expected to be collected at acquisition over the estimated fair value is recognized as interest income over the remaining lives of the loans and is called the accretable yield. The difference between contractually required payments at acquisition and the cash flows expected to be collected at acquisition reflects the impact of estimated credit losses and is called the nonaccretable difference. In accordance with GAAP, there was no carry-over of previously established allowance for credit losses from the acquired company.

 

In conjunction with the acquisition of Savannah River Financial Corporation of Augusta, Georgia, the bank holding

company for Savannah River Banking Company (“Savannah River”), on February 1, 2014, the acquired PCI loan portfolio was accounted for at fair value as follows: 

 

(Dollars in thousands)   February 1, 2014  
       
Contractual principal and interest at acquisition   $ 5,717  
Nonaccretable difference     (1,205 )
Expected cash flows at acquisition     4,512  
Accretable yield     (272 )
Basis in PCI loans at acquisition – estimated fair value   $ 4,240  

A summary of changes in the accretable yield for PCI loans for the three and six months ended June 30, 2016 and 2015 follows (in thousands): 

  

    Three Months
Ended
June 30, 2016		     Six Months
Ended
June 30, 2016		  
             
Accretable yield, beginning of period   $ 50     $ 92  
                 
Accretion     (91 )     (133 )
Reclassification of nonaccretable difference due to improvement in
    expected cash flows		     94       94  
Accretable yield, end of period   $ 53     $ 53  

 

    Three Months
Ended
June 30, 2015		     Six Months
Ended
June 30, 2015		  
             
Accretable yield, beginning of period   $ 28     $ 75  
                 
Accretion     (34 )     (471 )
Reclassification of nonaccretable difference due to improvement in
    expected cash flows		     141       531  
Accretable yield, end of period   $ 135     $ 135

 

The following tables are by loan category and present loans past due and on non-accrual status as of June 30, 2016 and December 31, 2015:

(Dollars in thousands)
 
June 30, 2016		   30-59
Days
Past Due		     60-89
Days Past
Due		     Greater than
90 Days
and
Accruing		     Nonaccrual     Total
Past Due		     Current     Total Loans  
Commercial   $ 163     $ —     $ —     $ 1     $ 164     $ 39,316     $ 39,480  
Real estate:                                                        
  Construction     288       —       —       —       288       41,965       42,253  
  Mortgage-residential     319       —       —       670       989       49,511       50,500  
  Mortgage-commercial     413       455       —       3,801       4,669       334,607       339,276  
Consumer:                                                        
  Home equity     62       70       31       30       193       31,415       31,608  
  Other     40       2       7       —       49       8,137       8,186  
Total   $ 1,285     $ 527     $ 38     $ 4,502     $ 6,352     $ 504,951     $ 511,303  

 

(Dollars in thousands)
 
December 31, 2015		   30-59
Days
Past Due		     60-89
Days Past
Due		     Greater than
90 Days
and
Accruing		     Nonaccrual     Total
Past Due		     Current     Total Loans  
Commercial   $ 5     $ —     $ —     $ 9     $ 14     $ 37,795     $ 37,809  
Real estate:                                                        
  Construction     —       —       —       —       —       35,829       35,829  
  Mortgage-residential     126       195       —       799       1,120       47,957       49,077  
  Mortgage-commercial     1,180       290       —       4,031       5,501       321,477       326,978  
Consumer:                                                        
  Home equity     135       —       —       —       135       30,771       30,906  
  Other     4       4       —       —       8       8,584       8,592  
Total   $ 1,450     $ 489     $ —     $ 4,839     $ 6,778     $ 482,413     $ 489,191

 

The Company reviews TDRs in accordance with applicable regulatory and accounting guidance

 

There were no loans determined to be TDRs that were restructured during the three and six month periods ended June 30, 2015 or the three month period ended June 30, 2016.

 

The following table, by loan category, presents one loan determined to be a TDR during the six month period ended June 30, 2016. The loan was modified to extend the term of the loan due to financial hardship of the borrower. The loan was subsequently paid off in June 2016.

 

Troubled Debt Restructurings   For the six months ended June 30, 2016  
(Dollars in thousands)   Number
of
Contracts		     Pre-Modification
Outstanding
Recorded
Investment		     Post-Modification
Outstanding
Recorded
Investment		  
Accrual                        
  Mortgage-Commercial     1     $ 413     $ 413  
Total Accrual     1     $ 413     $ 413  
                         
Total TDRs     1     $ 413     $ 413  

  

During the three and six month periods ended June 30, 2016 and 2015, there were no loans determined to be TDRs in the previous twelve months that had payment defaults. Defaulted loans are those loans that are greater than 89 days past due.

 

In the determination of the allowance for loan losses, all TDRs are reviewed to ensure that one of the three proper valuation methods (fair market value of the collateral, present value of cash flows, or observable market price) is adhered to. All non-accrual loans are written down to their corresponding collateral value. All troubled TDR accruing loans that have a loan balance that exceeds the present value of cash flows will have a specific allocation. All nonaccrual loans are considered impaired. Under ASC 310-10, a loan is impaired when it is probable that the Company will be unable to collect all amounts due including both principal and interest according to the contractual terms of the loan agreement. 
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Recently Issued Accounting Pronouncements
 6 Months Ended
Jun. 30, 2016
Accounting Changes and Error Corrections [Abstract]  
Recently Issued Accounting Pronouncements

Note 5 - Recently Issued Accounting Pronouncements

 

In May 2014, the FASB issued guidance to change the recognition of revenue from contracts with customers. The core principle of the new guidance is that an entity should recognize revenue to reflect the transfer of goods and services to customers in an amount equal to the consideration the entity receives or expects to receive. The guidance will be effective for the Company for reporting periods beginning after December 15, 2017. The Company will apply the guidance using a modified retrospective approach. The Company does not expect these amendments to have a material effect on its financial statements.

 

In January 2015, the FASB issued guidance to eliminate from U.S. GAAP the concept of an extraordinary item, which is an event or transaction that is both (1) unusual in nature and (2) infrequently occurring. Under the new guidance, an entity will no longer (1) segregate an extraordinary item from the results of ordinary operations; (2) separately present an extraordinary item on its income statement, net of tax, after income from continuing operations; or (3) disclose income taxes and earnings-per-share data applicable to an extraordinary item. The amendments became effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015. The Company does not expect these amendments to have a material effect on its financial statements.

 

In February 2015, the FASB issued guidance which amends the consolidation requirements and significantly changes the consolidation analysis required under U.S. GAAP. Although the amendments are expected to result in the deconsolidation of many entities, the Company will need to reevaluate all its previous consolidation conclusions. The amendments became effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015. The Company does not expect these amendments to have a material effect on its financial statements.

 

In April 2015, the FASB issued guidance which changes the presentation of debt issuance costs. The amendments became effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015. The Company does not expect these amendments to have a material effect on its financial statements.

 

In April 2015, the FASB issued guidance which provides a practical expedient that permits the Company to measure defined benefit plan assets and obligations using the month-end that is closest to the Company’s fiscal year-end. The amendments became effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015. The Company does not expect these amendments to have a material effect on its financial statements.

 

In April 2015, the FASB issued guidance which provides guidance to customers about whether a cloud computing arrangement includes a software license. The amendments became effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015. The Company does not expect these amendments to have a material effect on its financial statements.

 

In May 2015, the FASB issued guidance which removes the requirement to categorize within the fair value hierarchy all investments for which fair value is measured using the net asset value per share practical expedient. The amendments became effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015. The Company does not expect these amendments to have a material effect on its financial statements.

 

In August 2015, the FASB deferred the effective date of ASU 2014-09, Revenue from Contracts with Customers. As a result of the deferral, the guidance in ASU 2014-09 will be effective for the Company for reporting periods beginning after December 15, 2017. The Company will apply the guidance using a modified retrospective approach. The Company does not expect these amendments to have a material effect on its financial statements.

 

In August 2015, the FASB issued amendments to the Interest topic of the Accounting Standards Codification to clarify the SEC staff’s position on presenting and measuring debt issuance costs incurred in connection with line-of-credit arrangements. The amendments were effective upon issuance. The Company does not expect these amendments to have a material effect on its financial statements.

 

In September 2015, the FASB amended the Business Combinations topic of the Accounting Standards Codification to simplify the accounting for adjustments made to provisional amounts recognized in a business combination by eliminating the requirement to retrospectively account for those adjustments. The amendments became effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015. All entities are required to apply the amendments prospectively to adjustments to provisional amounts that occur after the effective date. The Company does not expect these amendments to have a material effect on its financial statements.

 

In November 2015, the FASB amended the Income Taxes topic of the Accounting Standards Codification to simplify the presentation of deferred income taxes by requiring that deferred tax liabilities and assets be classified as noncurrent in a classified statement of financial position. The amendments will be effective for financial statements issued for annual periods beginning after December 15, 2016, and interim periods within those annual periods. The Company will apply the guidance prospectively. The Company does not expect these amendments to have a material effect on its financial statements.

 

In January 2016, the FASB amended the Financial Instruments topic of the Accounting Standards Codification to address certain aspects of recognition, measurement, presentation, and disclosure of financial instruments. The amendments will be effective for fiscal years beginning after December 15, 2017, including interim periods within those fiscal years. The Company will apply the guidance by means of a cumulative-effect adjustment to the balance sheet as of the beginning of the fiscal year of adoption. The amendments related to equity securities without readily determinable fair values will be applied prospectively to equity investments that exist as of the date of adoption of the amendments. The Company does not expect these amendments to have a material effect on its financial statements.

 

In February 2016, the FASB amended the Leases topic of the Accounting Standards Codification to revise certain aspects of recognition, measurement, presentation, and disclosure of leasing transactions. The amendments will be effective for fiscal years beginning after December 15, 2018, including interim periods within those fiscal years.- The Company is currently evaluating the effect that implementation of the new standard will have on its financial position, results of operations, and cash flows.

 

In March 2016, the FASB amended the Liabilities topic of the Accounting Standards Codification to address the current and potential future diversity in practice related to the derecognition of a prepaid stored-value product liability. The amendments will be effective for financial statements issued for fiscal years beginning after December 15, 2017, including interim periods within those fiscal years. The Company will apply the guidance using a modified retrospective transition method by means of a cumulative-effect adjustment to retained earnings as of the beginning of the fiscal year in which the guidance is effective to each period presented. The Company does not expect these amendments to have a material effect on its financial statements.

 

In March 2016, the FASB amended the Derivatives and Hedging topic of the Accounting Standards Codification to clarify that a change in the counterparty to a derivative instrument that has been designated as the hedging instrument does not, in and of itself, require dedesignation of that hedging relationship provided that all other hedge accounting criteria continue to be met. The amendments will be effective for financial statements issued for fiscal years beginning after December 15, 2016, including interim periods within those fiscal years. The Company will apply the guidance prospectively to each period presented. The Company does not expect these amendments to have a material effect on its financial statements.

 

In March 2016, the FASB amended the Investments—Equity Method and Joint Ventures topic of the Accounting Standards Codification to eliminate the requirement to retroactively adopt the equity method of accounting. The amendments are effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2016. The Company will apply the guidance prospectively upon their effective date to increases in the level of ownership interest or degree of influence that result in the adoption of the equity method. The Company does not expect these amendments to have a material effect on its financial statements.

  

In March 2016, the FASB amended the Revenue from Contracts with Customers topic of the Accounting Standards Codification to clarify the implementation guidance on principal versus agent considerations and address how an entity should assess whether it is the principal or the agent in contracts that include three or more parties. The amendments will be effective for the Company for reporting periods beginning after December 15, 2017. The Company does not expect these amendments to have a material effect on its financial statements.

 

In March 2016, the FASB issued guidance to simplify several aspects of the accounting for share-based payment award transactions including the income tax consequences, the classification of awards as either equity or liabilities, and the classification on the statement of cash flows. Additionally, the guidance simplifies two areas specific to entities other than public business entities allowing them to apply a practical expedient to estimate the expected term for all awards with performance or service conditions that have certain characteristics and also allowing them to make a one-time election to switch from measuring all liability-classified awards at fair value to measuring them at intrinsic value. The amendments will be effective for the Company for annual periods beginning after December 15, 2016 and interim periods within those annual periods. The Company does not expect these amendments to have a material effect on its financial statements.

 

In April 2016, the FASB amended the Revenue from Contracts with Customers topic of the Accounting Standards Codification to clarify guidance related to identifying performance obligations and accounting for licenses of intellectual property. The amendments will be effective for the Company for reporting periods beginning after December 15, 2017. The Company does not expect these amendments to have a material effect on its financial statements.

 

In May 2016, the FASB amended the Revenue from Contracts with Customers topic of the Accounting Standards Codification to clarify guidance related to collectability, noncash consideration, presentation of sales tax, and transition. The amendments will be effective for the Company for reporting periods beginning after December 15, 2017. The Company does not expect these amendments to have a material effect on its financial statements.

 

In June 2016, the FASB issued guidance to change the accounting for credit losses and modify the impairment model for certain debt securities. The amendments will be effective for the Company for reporting periods beginning after December 15, 2019. The Company is currently evaluating the effect that implementation of the new standard will have on its financial position, results of operations, and cash flows.

 

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 financial position, results of operations or cash flows.
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Fair Value of Financial Instruments
 6 Months Ended
Jun. 30, 2016
Fair Value Disclosures [Abstract]  
Fair Value of Financial Instruments

Note 6– Fair Value of Financial Instruments

 

The Company adopted FASB ASC Fair Value Measurement Topic 820, which defines fair value, establishes a framework for measuring fair value, and expands disclosures about fair value measurements. ASC 820 defines fair value as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. ASC 820 also establishes a fair value hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The standard describes three levels of inputs that may be used to measure fair value:

 

Level l

Quoted prices in active markets for identical assets or liabilities.

 

Level 2

Observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities.

 

Level 3 Unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities. Level 3 assets and liabilities include financial instruments whose value is determined using pricing models, discounted cash flow methodologies, or similar techniques, as well as instruments for which the determination of fair value requires significant management judgment or estimation.

 

FASB ASC 825-10-50 “Disclosure about Fair Value of Financial Instruments”, requires the Company to disclose estimated fair values for its financial instruments. Fair value estimates, methods, and assumptions are set forth below.

 

Cash and Short Term Investments - The carrying amount of these financial instruments (cash and due from banks, interest-bearing bank balances, federal funds sold and securities purchased under agreements to resell) approximates fair value. All mature within 90 days and do not present unanticipated credit concerns and are classified as Level 1.

 

Investment Securities - Measurement is on a recurring basis based upon quoted market prices, if available. If quoted market prices are not available, fair values are measured using independent pricing models or other model-based valuation techniques such as the present value of future cash flows, adjusted for prepayment assumptions, projected credit losses, and liquidity. Level 1 securities include those traded on an active exchange, such as the New York Stock Exchange, or by dealers or brokers in active over-the-counter markets. Level 2 securities include MBSs issued both by government sponsored enterprises and PLMBSs. Generally these fair values are priced from established pricing models. Level 3 securities include corporate debt obligations and asset–backed securities that are less liquid or for which there is an inactive market.

 

Loans Held for Sale - The Company originates fixed rate residential loans on a servicing released basis in the secondary market. Loans closed but not yet settled with an investor, are carried in the Company’s loans held for sale portfolio. These loans are fixed rate residential loans that have been originated in the Company’s name and have closed. Virtually all of these loans have commitments to be purchased by investors at a locked in price with the investors on the same day that the loan was locked in with the company’s customers. Therefore, these loans present very little market risk for the Company and are classified as Level 2. The carrying amount of these loans approximates fair value.

 

Loans - The fair value of loans are estimated by discounting the future cash flows using the current rates at which similar loans would be made to borrowers with similar credit ratings and for the same remaining maturities and are classified as Level 2. As discount rates are based on current loan rates as well as management estimates, the fair values presented may not be indicative of the value negotiated in an actual sale. Loans which are deemed to be impaired are primarily valued on a nonrecurring basis at the fair value of the underlying real estate collateral. Such fair values are obtained using independent appraisals, which the Company considers to be Level 3 inputs.

 

Other Real Estate Owned (OREO) - OREO is carried at the lower of carrying value or fair value on a non-recurring basis. Fair value is based upon independent appraisals or management’s estimation of the collateral and is considered a Level 3 measurement.

 

Accrued Interest Receivable - The fair value approximates the carrying value and is classified as Level 1.

 

Deposits - The fair value of demand deposits, savings accounts, and money market accounts is the amount payable on demand at the reporting date. The fair value of fixed-maturity certificates of deposits is estimated by discounting the future cash flows using rates currently offered for deposits of similar remaining maturities. Deposits are classified as Level 2.

 

Federal Home Loan Bank Advances - Fair value is estimated based on discounted cash flows using current market rates for borrowings with similar terms and are classified as Level 2.

 

Short Term Borrowings - The carrying value of short term borrowings (securities sold under agreements to repurchase and demand notes to the Treasury) approximates fair value. These are classified as Level 2.

 

Junior Subordinated Debentures - The fair values of junior subordinated debentures is estimated by using discounted cash flow analyses based on incremental borrowing rates for similar types of instruments. These are classified as Level 2.

 

Accrued Interest Payable -The fair value approximates the carrying value and is classified as Level 1.

 

Commitments to Extend Credit - The fair value of these commitments is immaterial because their underlying interest rates approximate market.

 

The carrying amount and estimated fair value by classification level of the Company’s financial instruments as of June 30, 2016 and December 31, 2015 are as follows:

 

    June 30, 2016  
          Fair Value  
(Dollars in thousands)   Carrying
Amount		     Total     Level 1     Level 2     Level 3  
Financial Assets:                                        
 Cash and short term investments   $ 22,295     $ 22,295     $ 22,295     $ —     $ —  
 Held-to-maturity securities     17,283       18,100       —       18,100       —  
 Available-for-sale securities     267,315       267,315       818       265,547       950  
 Other investments, at cost     2,168       2,168       —       —       2,168  
 Loans held for sale     7,707       7,707       —       7,707       —  
 Net loans receivable     506,426       505,415       —       499,316       6,099  
 Accrued interest     2,934       2,934       2,934       —       —  
Financial liabilities:                                        
 Non-interest bearing demand   $ 170,976     $ 170,976     $ —     $ 170,976     $ —  
 NOW and money market accounts     318,875       318,875       —       318,875       —  
 Savings     63,887       63,887       —       63,887       —  
 Time deposits     175,885       176,141       —       176,141       —  
 Total deposits     729,623       729,879       —       729,879       —  
 Federal Home Loan Bank Advances     32,445       33,993       —       33,993       —  
 Short term borrowings     21,112       21,112       —       21,112       —  
 Junior subordinated debentures     14,964       14,961       —       14,961       —  
 Accrued interest payable     621       621       621       —       —  

 

    December 31, 2015  
          Fair Value  
(Dollars in thousands)   Carrying
Amount		     Total     Level 1     Level 2     Level 3  
Financial Assets:                                        
 Cash and short term investments   $ 22,941     $ 22,941     $ 22,941     $ —     $ —  
 Held-to-maturity securities     17,371       17,555       —       17,555       —  
 Available-for-sale securities     264,687       264,687       812       263,458       417  
 Other investments, at cost     1,783       1,783       —       —       1,783  
 Loans held for sale     2,962       2,962       —       2,962       —  
 Net loans receivable     484,595       484,669       —       478,195       6,474  
 Accrued interest     2,877       2,877       2,877       —       —  
Financial liabilities:                                        
 Non-interest bearing demand deposits   $ 156,247     $ 156,247     $ —     $ 156,247     $ —  
 NOW and money market accounts     318,308       318,308       —       318,308       —  
 Savings     60,699       60,699       —       60,699       —  
 Time deposits     180,897       181,325       —       181,325       —  
 Total deposits     716,151       716,579       —       716,579       —  
 Federal Home Loan Bank Advances     24,788       25,841       —       25,841       —  
 Short term borrowings     21,033       21,033       —       21,033       —  
 Junior subordinated debentures     14,964       14,954       —       14,954       —  
 Accrued interest payable     652       652       652       —       —  

 

The following tables summarize quantitative disclosures about the fair value for each category of assets carried at fair value as of June 30, 2016 and December 31, 2015 that are measured on a recurring basis. There were no liabilities carried at fair value as of June 30, 2016 or December 31, 2015 that are measured on a recurring basis.

 

(Dollars in thousands)

Description   June 30,
2016		     Quoted
Prices in
Active
Markets for
Identical
Assets
(Level 1)		     Significant
Other
Observable
Inputs
(Level 2)		     Significant
Unobservable
Inputs
(Level 3)		  
Available for sale securities                                
US Treasury   $ 1,577     $ —     $ 1,577     $ —  
Government sponsored enterprises     1,032       —       1,032     $ —  
Mortgage-backed securities     151,268       —       151,268       —  
Small Business Administration securities     55,351       —       55,351       —  
State and local government     56,258       —       56,258       —  
Corporate and other securities     1,829       818       61       950  
               Total   $ 267,315     $ 818     $ 265,547     $ 950  

  

(Dollars in thousands)

Description   December 31,
2015		    

 

Quoted
Prices in
Active
Markets for
Identical
Assets
(Level 1)

     Significant
Other
Observable
Inputs
(Level 2)		     Significant
Unobservable
Inputs
(Level 3)		  
Available for sale securities                                
US Treasury Securities   $ 1,522     $ —     $ 1,522     $ —  
Government sponsored enterprises     992       —       992       —  
Mortgage-backed securities     146,261       —       146,261       —  
Small Business Administration securities     57,328       —       57,328       —  
State and local government     57,295       —       57,295       —  
Corporate and other securities     1,289       812       60       417  
               Total   $ 264,687     $ 812     $ 263,458     $ 417  

 

The following table reconciles the changes in Level 3 financial instruments for the six months ended June 30, 2016 and 2015 that are measured on a recurring basis. 

 

    June 30,  
    2016     2015  
(Dollars in thousands)   Corporate
Preferred
Stock		     Corporate
Preferred
Stock		  
Beginning Balance   $ 417     $ 417  
Total gains or losses (realized/unrealized) Included in earnings     —       —  
Included in other comprehensive income     —       —  
Purchases, issuances, and settlements     950       —  
Maturities, sales, payoffs     (417 )        
Transfers in and/or out of Level 3     —       —  
Ending Balance   $ 950     $ 417  

 

The following table reconciles the changes in Level 3 financial instruments for the three months ended June 30, 2016 and June 30, 2015 that are measured on a recurring basis. 

 

    June 30,  
    2016     2015  
(Dollars in thousands)   Corporate
Preferred
Stock		     Corporate
Preferred
Stock		  
Beginning Balance   $ 417     $ 417  
Total gains or losses (realized/unrealized) Included in earnings     —       —  
 Included in other comprehensive income     —       —  
 Purchases, issuances, and settlements     950       —  
Maturities, sales, payoffs     (417 )        
Transfers in and/or out of Level 3     —       —  
Ending Balance   $ 950     $ 417  

  

The following tables summarize quantitative disclosures about the fair value for each category of assets carried at fair value as of June 30, 2016 and December 31, 2015 that are measured on a non-recurring basis.

 

(Dollars in thousands)                        
Description   June 30,
2016		     Quoted Prices
in Active
Markets for
Identical Assets
(Level 1)		     Significant
Other
Observable
Inputs
(Level 2)		     Significant
Unobservable
Inputs
(Level 3)		  
Impaired loans:                                
  Commercial & Industrial   $ 1     $ —     $ —     $ 1  
  Real estate:                                
    Mortgage-residential     715       —       —       715  
    Mortgage-commercial     5,353       —       —       5,353  
  Consumer:                                
    Home equity     30       —       —       30  
    Other     —       —       —       —  
      Total impaired     6,099       —       —       6,099  
Other real estate owned:                                
  Construction     —       —       —       —  
  Mortgage-residential     336       —       —       336  
  Mortgage-commercial     1,019       —       —       1,019  
      Total other real estate owned     1,355       —       —       1,355  
Total   $ 7,454     $ —     $ —     $ 7,454  

 

(Dollars in thousands)                        
Description   December 31,
2015		     Quoted Prices
in Active
Markets for
Identical Assets
(Level 1)		     Significant
Other
Observable
Inputs
(Level 2)		     Significant
Unobservable
Inputs
(Level 3)		  
Impaired loans:                                
  Commercial   $ 9     $ —     $ —     $ 9  
  Real estate:                                
    Mortgage-residential     845       —       —       845  
    Mortgage-commercial     5,620       —       —       5,620  
  Consumer:                                
    Home equity     —       —       —       —  
    Other     —       —       —       —  
      Total impaired     6,474       —       —       6,474  
Other real estate owned:                                
  Construction     276       —       —       276  
  Mortgage-residential     191       —       —       191  
  Mortgage-commercial     1,991       —       —       1,991  
  Total other real estate owned     2,458       —       —       2,458  
Total   $ 8,932     $ —     $ —     $ 8,932  

  

The Company has a large percentage of loans with real estate serving as collateral. Loans which are deemed to be impaired are primarily valued on a nonrecurring basis at the fair value of the underlying real estate collateral. Such fair values are obtained using independent appraisals, which the Company considers to be Level 3 inputs. Third party appraisals are generally obtained when a loan is identified as being impaired or at the time it is transferred to OREO. This internal process consists of evaluating the underlying collateral to independently obtained comparable properties. With respect to less complex or smaller credits, an internal evaluation may be performed. The independent and internal evaluations are generally updated annually. Factors considered in determining the fair value include geographic sales trends, the value of comparable surrounding properties as well as the condition of the property. The aggregate amount of impaired loans was $6.1 million and $6.5 million as of June 30, 2016 and December 31, 2015, respectively.

For Level 3 assets and liabilities measured at fair value on a recurring or non-recurring basis as of June 30, 2016 and December 31, 2015, the significant unobservable inputs used in the fair value measurements were as follows:

(Dollars in thousands) Fair Value as of
June 30, 2016		 Valuation Technique Significant
Observable Inputs		 Significant
Unobservable Inputs
Preferred stock $950 Estimation based on comparable non-listed securities Comparable transactions n/a
OREO $1,355 Appraisal Value/Comparison Sales/Other estimates Appraisals and or sales of comparable properties Appraisals discounted 6% to 16% for sales commissions and other holding cost
Impaired loans $6,099 Appraisal Value Appraisals and or sales of comparable properties Appraisals discounted 6% to 16% for sales commissions and other holding cost
         
(Dollars in thousands) Fair Value as of
December 31, 2015		 Valuation Technique Significant
Observable Inputs		 Significant
Unobservable Inputs
Preferred stock $417 Estimation based on comparable non-listed securities Comparable transactions n/a
OREO $2,458 Appraisal Value/Comparison Sales/Other estimates Appraisals and or sales of comparable properties Appraisals discounted 6% to 16% for sales commissions and other holding cost
Impaired loans $6,474 Appraisal Value Appraisals and or sales of comparable properties Appraisals discounted 6% to 16% for sales commissions and other holding cost
XML 26 R16.htm IDEA: XBRL DOCUMENT v3.5.0.2
Deposits
 6 Months Ended
Jun. 30, 2016
Banking and Thrift [Abstract]  
Deposits

Note 7 — Deposits

 

The Company’s total deposits are comprised of the following at the dates indicated: 

 

    June 30,     December 31,  
(Dollars in thousands)   2016        2015  
Non-interest bearing demand deposits   $ 170,976     $ 156,247  
NOW and money market accounts     318,875       318,308  
Savings     63,887       60,699  
Time deposits     175,885       180,897  
  Total deposits   $ 729,623     $ 716,151  

 

As of June 30, 2016 and December 31, 2015, the Company had time deposits greater than $250,000 of $22.1 million and $21.2 million, respectively. 
XML 27 R17.htm IDEA: XBRL DOCUMENT v3.5.0.2
Reportable Segments
 6 Months Ended
Jun. 30, 2016
Reportable Segments  
Reportable Segments

Note 8 – Reportable Segments

 

The Company’s reportable segments represent the distinct product lines the Company offers and are viewed separately for strategic planning by management. The Company has four reportable segments:

 

  · Commercial and retail banking: The Company’s primary business is to provide deposit and lending products and services to its commercial and retail customers.
  · Mortgage banking: This segment provides mortgage origination services for loans that will be sold to investors in the secondary market.
  · Investment advisory and non-deposit: This segment provides investment advisory services and non-deposit products.
  · Corporate: This segment includes the parent company financial information, including interest on parent company debt and dividend income received from First Community Bank (the “Bank”).

 

The following tables present selected financial information for the Company’s reportable business segments for the three and six months ended June 30, 2016 and 2015:

 

                                     
Six months ended June 30, 2016   Commercial           Investment                    
(Dollars in thousands)   and Retail     Mortgage     advisory and                    
    Banking     Banking     non-deposit     Corporate     Eliminations     Consolidated  
                                                 
Dividend and Interest Income   $ 14,396     $ 82     $ —     $ 1,414     $ (1,296 )   $ 14,596  
Interest expense     1,343       —       —       239               1,582  
Net interest income   $ 13,053     $ 82     $ —     $ 1,175     $ —     $ 13,014  
Provision for loan losses     357       —       —       —       —       357  
Noninterest income     2,187       1,578       588       —       —       4,353  
Noninterest expense     10,722       1,155       517       281       —       12,675  
Net income before taxes   $ 4,161     $ 505     $ 71     $ 894     $ —     $ 4,335  
Income tax (provision) benefit     (1,233 )     —       —       111               (1,122 )
Net income (loss)   $ 2,928     $ 505     $ 71     $ 1,005     $ —     $ 3,213  
                                     
Three months ended June 30, 2016   Commercial           Investment                    
(Dollars in thousands)   and Retail     Mortgage     advisory and                    
    Banking     Banking     non-deposit     Corporate     Eliminations     Consolidated  
                                     
Dividend and Interest Income   $ 7,389     $ 55     $ —     $ 679     $ (664 )     7,459  
Interest expense     664       —       —       118               782  
Net interest income   $ 6,725     $ 55     $ —     $ 561     $ —     $ 6,677  
Provision for loan losses     217       —       —       —       —       217  
Noninterest income     1,054       913       297       —       —       2,264  
Noninterest expense     5,317       623       260       133       —       6,333  
Net income before taxes   $ 2,245     $ 345     $ 37     $ 428     $ —     $ 2,391  
Income tax (provision) benefit     (709 )     —       —       63       —       (646 )
Net income   $ 1,536     $ 345     $ 37     $ 491     $ —     $ 1,745  

 

Six months ended June 30, 2015   Commercial           Investment                    
(Dollars in thousands)   and Retail     Mortgage     advisory and                    
    Banking     Banking     non-deposit     Corporate     Eliminations     Consolidated  
                                     
Dividend and Interest Income   $ 14,194     $ 109     $ —     $ 1,127     $ (1,098 )   $ 14,332  
Interest expense     1,460       —       —       220               1,680  
Net interest income   $ 12,734     $ 109     $ —     $ 907     $ —     $ 12,652  
Provision for loan losses     797       —       —       —       —       797  
Noninterest income     2,128       1,715       703       —       —       4,546  
Noninterest expense     10,223       1,317       506       443       —       12,489  
Net income before taxes   $ 3,842     $ 507     $ 197     $ 464     $ —     $ 3,912  
Income tax (provision) benefit     (1,248 )     —       —       183       —       (1,065 )
Net income   $ 2,594     $ 507     $ 197     $ 647     $ —     $ 2,847  
                                     
Three months ended June 30, 2015   Commercial           Investment                    
(Dollars in thousands)   and Retail     Mortgage     advisory and                    
    Banking     Banking     non-deposit     Corporate     Eliminations     Consolidated  
                                                 
Dividend and Interest Income   $ 6,970     $ 64     $ —     $ 547     $ (532 )     7,049  
Interest expense     736       —       —       109               845  
Net interest income   $ 6,234     $ 64     $ —     $ 438     $ —     $ 6,204  
Provision for loan losses     391       —       —       —       —       391  
Noninterest income     1,290       981       294       —       —       2,565  
Noninterest expense     5,256       740       220       173       —       6,389  
Net income before taxes   $ 1,877     $ 305     $ 74     $ 265     $ —     $ 1,989  
Income tax (provision) benefit     (622 )     —       —       76       —       (546 )
Net income   $ 1,255     $ 305     $ 74     $ 341     $ —     $ 1,443  
                                     
    Commercial           Investment                    
(Dollars in thousands)   and Retail     Mortgage     advisory and                    
    Banking     Banking     non-deposit     Corporate     Eliminations     Consolidated  
                                                 
Total Assets as of June 30, 2016   $ 877,142     $ 9,594     $ 37     $ 95,445     $ (93,381 )   $ 888,837  
                                                 
Total Assets as of December 31, 2015   $ 855,888     $ 4,355     $ 34     $ 93,296     $ (90,839 )   $ 862,734  
XML 28 R18.htm IDEA: XBRL DOCUMENT v3.5.0.2
Subsequent Events
 6 Months Ended
Jun. 30, 2016
Subsequent Events [Abstract]  
Subsequent Events

Note 8 – Subsequent Events

 

Subsequent events are events or transactions that occur after the balance sheet date but before financial statements are issued. Recognized subsequent events are events or transactions that provide additional evidence about conditions that existed at the date of the balance sheet, including the estimates inherent in the process of preparing financial statements.  Nonrecognized subsequent events are events that provide evidence about conditions that did not exist at the date of the balance sheet but arose after that date.  Management has reviewed events occurring through the date the financial statements were available to be issued and no subsequent events occurred requiring accrual or disclosure.
XML 29 R19.htm IDEA: XBRL DOCUMENT v3.5.0.2
Earnings Per Common Share (Tables)
 6 Months Ended
Jun. 30, 2016
Earnings Per Share [Abstract]  
Schedule of reconciliation of the numerator and denominator of the basic and diluted earnings per common share computation

The following reconciles the numerator and denominator of the basic and diluted earnings per common share computation:

 

(In thousands except average market price)

    Six months     Three months  
    Ended June 30,     Ended June 30,  
    2016     2015     2016     2015  
                                 
Numerator (Net income)   $ 3,213     $ 2,847     $ 1,745     $ 1,443  
Denominator                                
Weighted average common shares outstanding for:                                
Basic earnings per share     6,554       6,534       6,584       6,539  
Dilutive securities:                                
Deferred compensation     38       50       38       50  
Warrants/Restricted stock – Treasury           stock method     141       94       147       109  
Diluted earnings per share     6,733       6,678       6,769       6,698  
The average market price used in calculating assumed number of shares   $ 14.00     $ 12.12     $ 14.00     $ 12.12  
XML 30 R20.htm IDEA: XBRL DOCUMENT v3.5.0.2
Investment Securities (Tables)
 6 Months Ended
Jun. 30, 2016
Investments, Debt and Equity Securities [Abstract]  
Schedule of amortized cost and estimated fair values of available-for-sale

The amortized cost and estimated fair values of investment securities at June 30, 2016 and December 31, 2015 are summarized below:

AVAILABLE-FOR-SALE:

(Dollars in thousands)   Amortized
Cost		     Gross
Unrealized
Gains		     Gross
Unrealized
Losses		     Fair Value  
June 30, 2016:                                
US Treasury securities   $ 1,542     $ 35     $ —     $ 1,577  
Government sponsored enterprises     954       78       —       1,032  
Mortgage-backed securities     149,415       2,168       315       151,268  
Small Business Administration pools     55,223       476       348       55,351  
State and local government     52,595       3,663       —       56,258  
Corporate and other securities     1,882       —       53       1,829  
    $ 261,611     $ 6,420     $ 716     $ 267,315  
December 31, 2015:                                
US Treasury securities   $ 1,547     $ —     $ 25     $ 1,522  
Government sponsored enterprises     950       42       —       992  
Mortgage-backed securities     146,935       498       1,172       146,261  
Small Business Administration pools     57,474       355       501       57,328  
State and local government     55,294       2,037       36       57,295  
Corporate and other securities     1,349       —       60       1,289  
    $ 263,549     $ 2,932     $ 1,794     $ 264,687
Schedule of amortized cost and estimated fair values of held-to-maturity securities

HELD-TO-MATURITY:

(Dollars in thousands)   Amortized
Cost		     Gross
Unrealized
Gains		     Gross
Unrealized
Losses		     Fair Value  
June 30, 2016:                                
State and local government   $ 17,283     $ 817     $ —     $ 18,100  
    $ 17,283     $ 817     $ —     $ 18,100  
December 31, 2015:                                
State and local government   $ 17,371     $ 211     $ 27     $ 17,555  
    $ 17,371     $ 211     $ 27     $ 17,555  
Schedule of gross unrealized losses and fair values, aggregated by investment category and length of time that individual securities have been in a continuous loss position

The following tables show gross unrealized losses and fair values, aggregated by investment category and length of time that individual securities have been in a continuous loss position, at June 30, 2016 and December 31, 2015. There were no held-to-maturity securities with gross unrealized losses at June 30, 2016.

 

    Less than 12 months     12 months or more     Total  
June 30, 2016
(Dollars in thousands)		   Fair Value     Unrealized
Loss		     Fair Value     Unrealized
Loss		     Fair Value     Unrealized
Loss		  
Available-for-sale securities:                                                
Government Sponsored Enterprise mortgage-backed securities   $ 13,693     $ 109     $ 15,017     $ 201     $ 28,710     $ 310  
Small Business Administration pools     6,708       16       24,810       331       31,518       347  
Non-agency mortgage-backed securities     159       2       250       4       409       6  
Corporate bonds and other     —       —       818       53       818       53  
Total   $ 20,560     $ 127     $ 40,895     $ 589     $ 61,455     $ 716  

 

    Less than 12 months     12 months or more     Total  
December 31, 2015
(Dollars in thousands)		   Fair Value     Unrealized
Loss		     Fair Value     Unrealized
Loss		     Fair Value     Unrealized
Loss		  
Available-for-sale securities:                                                
US Treasury   $ 1,522     $ 25     $ —     $ —     $ 1,522     $ 25  
Government Sponsored Enterprise mortgage-backed securities     69,112       731       17,593       439       86,705       1,170  
Small Business Administration pools     13,386       153       25,709       348       39,095       501  
Non-agency mortgage-backed securities     —       —       186       2       186       2  
State and local government     1,461       8       1,362       28       2,823       36  
Corporate bonds and other     —       —       812       60       812       60  
Total   $ 85,481     $ 917     $ 45,662     $ 877     $ 131,143     $ 1,794  

 

    Less than 12 months     12 months or more     Total  
December 31, 2015
(Dollars in thousands)		   Fair Value     Unrealized
Loss		     Fair Value     Unrealized
Loss		     Fair Value     Unrealized
Loss		  
Held-to-maturity securities:                                                
State and local government   $ 3,473     $ 24     $ 444     $ 3     $ 3,917     $ 27  
Total   $ 3,473     $ 24     $ 444     $ 3     $ 3,917     $ 27  
Schedule of the amortized cost and fair value of investment securities by expected maturity

The following sets forth the amortized cost and fair value of investment securities at June 30, 2016 by contractual maturity. Expected maturities differ from contractual maturities because borrowers may have the right to call or prepay the obligations with or without prepayment penalties. MBSs are based on average life at estimated prepayment speeds.

 

    Available-for-sale     Held-to-maturity  
(Dollars in thousands)   Amortized
Cost		     Fair
Value		     Amortized
Cost		     Fair
Value		  
Due in one year or less   $ 8,059     $ 8,075     $ —     $ —  
Due after one year through five years     143,234       145,584       4,994       5,147  
Due after five years through ten years     100,893       104,248       12,289       12,953  
Due after ten years     9,425       9,408       —       —  
    $ 261,611     $ 267,315     $ 17,283     $ 18,100  
XML 31 R21.htm IDEA: XBRL DOCUMENT v3.5.0.2
Loans (Tables)
 6 Months Ended
Jun. 30, 2016
Receivables [Abstract]  
Summary of loans by category

Loans summarized by category as of June 30, 2016, December 31, 2015 and June 30, 2015 are as follows:

    June 30,     December 31,     June 30,  
(Dollars in thousands)   2016     2015     2015  
Commercial, financial and agricultural   $ 39,480     $ 37,809     $ 37,915  
Real estate:                        
  Construction     42,253       35,829       30,392  
  Mortgage-residential     50,500       49,077       49,341  
  Mortgage-commercial     339,276       326,978       315,373  
Consumer:                        
  Home equity     31,608       30,906       32,264  
  Other     8,186       8,592       8,731  
Total   $ 511,303     $ 489,191     $ 474,016
Schedule of activity in the allowance for loan losses and the recorded investment in loans receivable

The detailed activity in the allowance for loan losses and the recorded investment in loans receivable as of and for the six months ended June 30, 2016 and 2015 and for the year ended December 31, 2015 is as follows:

 

(Dollars in thousands)                                
                Real estate     Real estate                          
          Real estate     Mortgage     Mortgage     Consumer     Consumer              
    Commercial     Construction     Residential     Commercial     Home equity     Other     Unallocated     Total  
June 30, 2016                                                                
Allowance for loan losses:                                                                
Beginning balance
December 31, 2015		   $ 75     $ 51     $ 223     $ 2,036     $ 127     $ 37     $ 2,047     $ 4,596  
  Charge-offs     —       —       (1 )     (58 )     (8 )     (33 )     —       (100 )
  Recoveries     3       —       5       8       2       6       —       24  
  Provisions     (7 )     8       (20 )     363       (28 )     13       28       357  
Ending balance
June 30, 2016		   $ 71     $ 59     $ 207     $ 2,349     $ 93     $ 23     $ 2,075     $ 4,877  
                                                                 
Ending balances:                                                                
  Individually evaluated for impairment   $ —     $ —     $ —     $ 3     $ —     $ —     $ —     $ 3  
                                                                 
  Collectively evaluated for impairment     71       59       207       2,346       93       23       2,075       4,874  
                                                                 
June 30, 2016
Loans receivable:		                                                                
Ending balance-total   $ 39,480     $ 42,253     $ 50,500     $ 339,276     $ 31,608     $ 8,186     $ —     $ 511,303  
                                                                 
Ending balances:                                                                
  Individually evaluated for impairment     1       —       718       5,353       30       —       —       6,102  
                                                                 
  Collectively evaluated for impairment   $ 39,479     $ 42,253     $ 49,782     $ 333,923     $ 31,578     $ 8,186     $ —     $ 505,201  

Note 4—Loans-continued

(Dollars in thousands)                            
                Real estate     Real estate                          
          Real estate     Mortgage     Mortgage     Consumer     Consumer              
    Commercial     Construction     Residential     Commercial     Home equity     Other     Unallocated     Total  
June 30, 2015                                                                
Allowance for loan losses:                                                                
Beginning balance
December 31, 2014		   $ 67     $ 45     $ 179     $ 1,572     $ 134     $ 44     $ 2,091     $ 4,132  
  Charge-offs     (56 )     —       (26 )     (625 )     —       (27 )     —       (734 )
  Recoveries     3       —       2       5       2       74       —       86  
  Provisions     207       79       24       822       (17 )     (31 )     (287 )     797  
Ending balance
June 30, 2015		   $ 221     $ 124     $ 179     $ 1,774     $ 119     $ 60     $ 1,804     $ 4,281  
                                                                 
Ending balances:                                                                
  Individually evaluated for impairment   $ —     $ —     $ 3     $ 1     $ —     $ —     $ —     $ 4  
                                                                 
  Collectively evaluated for impairment     221       124       176       1,773       119       60       1,804       4,277  
                                                                 
June 30, 2015
Loans receivable:		                                                                
Ending balance-total   $ 37,915     $ 30,392     $ 49,341     $ 315,373     $ 32,264     $ 8,731     $ —     $ 474,016  
                                                                 
Ending balances:                                                                
  Individually evaluated for impairment     13       —       997       5,924       89       —       —       7,023  
                                                                 
  Collectively evaluated for impairment   $ 37,902     $ 30,392     $ 48,344     $ 309,449     $ 32,175     $ 8,731     $ —     $ 466,993  

Note 4—Loans-continued

(Dollars in thousands)                                
                Real estate     Real estate                          
          Real estate     Mortgage     Mortgage     Consumer     Consumer              
    Commercial     Construction     Residential     Commercial     Home equity     Other     Unallocated     Total  
December 31, 2015                                                                
Allowance for loan losses:                                                                
Beginning balance
December 31, 2014		   $ 67     $ 45     $ 179     $ 1,572     $ 134     $ 44     $ 2,091     $ 4,132  
  Charge-offs     (69 )     —       (50 )     (626 )     —       (62 )     —       (807 )
  Recoveries     6       —       7       33       3       84       —       133  
  Provisions     71       6       87       1,057       (10 )     (29 )     (44 )     1,138  
Ending balance
December 31, 2015		   $ 75     $ 51     $ 223     $ 2,036     $ 127     $ 37     $ 2,047     $ 4,596  
                                                                 
Ending balances:                                                                
  Individually evaluated for impairment   $ —     $ —     $ 3     $ —     $ —     $ —     $ —     $ 3  
                                                                 
  Collectively evaluated for impairment     75       51       220       2,036       127       37       2,047       4,593  
                                                                 
December 31, 2015
Loans receivable:		                                                                
Ending balance-total   $ 37,809     $ 35,829     $ 49,077     $ 326,978     $ 30,906     $ 8,592     $ —     $ 489,191  
                                                                 
Ending balances:                                                                
  Individually evaluated for impairment     9       —       848       5,620       —       —       —       6,477  
                                                                 
  Collectively evaluated for impairment   $ 37,800     $ 35,829     $ 48,229     $ 321,358     $ 30,906     $ 8,592     $ —     $ 482,714  

The detailed activity in the allowance for loan losses as of and for the three months ended June 30, 2016 and the three months ended June 30, 2015 is as follows:

(Dollars in thousands)                                      
                Real estate     Real estate                          
          Real estate     Mortgage     Mortgage     Consumer     Consumer              
    Commercial     Construction     Residential     Commercial     Home equity     Other     Unallocated     Total  
2016                                                                
Allowance for loan losses:                                                                
Beginning balance
March 31, 2016		   $ 73     $ 57     $ 237     $ 2,001     $ 87     $ 26     $ 2,206     $ 4,687  
  Charge-offs     —       —       (1 )     (13 )     (8 )     (15 )     —       (37 )
  Recoveries     1       —       3       2       1       3       —       10  
  Provisions     (3 )     2       (32 )     359       13       9       (131 )     217  
Ending balance
June 30, 2016		   $ 71     $ 59     $ 207     $ 2,349     $ 93     $ 23     $ 2,075     $ 4,877  

 

(Dollars in thousands)                                      
                Real estate     Real estate                          
          Real estate     Mortgage     Mortgage     Consumer     Consumer              
    Commercial     Construction     Residential     Commercial     Home equity     Other     Unallocated     Total  
2015                                                                
Allowance for loan losses:                                                                
Beginning balance
March 31, 2015		   $ 210     $ 134     $ 243     $ 1,580     $ 121     $ 58     $ 1,906     $ 4,252  
  Charge-offs     —       —       (26 )     (334 )     —       (16 )     —       (376 )
  Recoveries     1       —       1       1       1       10       —       14  
  Provisions     10       (10 )     (39 )     527       (3 )     8       (102 )     391  
Ending balance
June 30, 2015		   $ 221     $ 124     $ 179     $ 1,774     $ 119     $ 60     $ 1,804     $ 4,281  
Schedule of loans individually evaluated and considered impaired

The following table presents at June 30, 2016 and December 31, 2015 loans individually evaluated and considered impaired under Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”) 310 “Accounting by Creditors for Impairment of a Loan.” Impairment includes performing troubled debt restructurings (“TDRs”).

 

(Dollars in thousands)   June 30,     December 31,  
    2016     2015  
Total loans considered impaired   $ 6,102     $ 6,477  
Loans considered impaired for which there is a related allowance for loan loss:                
Outstanding loan balance     48       49  
Related allowance     3       3  
Loans considered impaired and previously written down to fair value     6,054       6,428  
Average impaired loans     9,729       9,518
Schedule of loan category and loans individually evaluated and considered impaired

The following tables are by loan category and present at June 30, 2016, December 31, 2015 and June 30, 2015 loans individually evaluated and considered impaired under FASB ASC 310 “Accounting by Creditors for Impairment of a Loan.” Impairment includes performing TDRs.

 

(Dollars in thousands)                     Six months ended     Three months ended  
          Unpaid           Average     Interest     Average     Interest  
June 30, 2016   Recorded     Principal     Related     Recorded     Income     Recorded     Income  
    Investment     Balance     Allowance     Investment     Recognized     Investment     Recognized  
With no allowance recorded:                                                        
  Commercial   $ 1     $ 1     $ —     $ 6     $ —     $ 3     $ —  
  Real estate:                                                        
    Construction     —       —       —       —       —       —       —  
    Mortgage-residential     670       687       —       794       1       837       1  
    Mortgage-commercial     5, 353       7,855       —       8,851       50       8,796       24  
  Consumer:                                                        
    Home Equity     30       30       —       30       —       30       —  
    Other     —       —       —       —       —       —       —  
                                                         
With an allowance recorded:                                                        
  Commercial     —       —       —       —       —       —       —  
  Real estate:                                                        
    Construction     —       —       —       —       —       —       —  
    Mortgage-residential     48       48       3       48       1       48       1  
    Mortgage-commercial     —       —       —       —       —       —       —  
  Consumer:                                                        
    Home Equity     —       —       —       —       —       —       —  
    Other     —       —       —       —       —       —       —  
                                                         
Total:                                                        
  Commercial   $ 1     $ 1     $ —     $ 6     $ —     $ 3     $ —  
  Real estate:                                                        
    Construction     —       —       —       —       —       —       —  
    Mortgage-residential     718       735       3       842       1       837       1  
    Mortgage-commercial     5, 353       7,855       —       8,851       50       8,796       24  
  Consumer:                                                        
    Home Equity     30       30       —       30       —       30       —  
    Other     —       —       —       —       —       —       —  
    $ 6,102     $ 8,621     $ 3     $ 9,729     $ 51     $ 9,666     $ 25  

(Dollars in thousands)                     Six months ended     Three months ended  
          Unpaid           Average     Interest     Average     Interest  
June 30, 2015   Recorded     Principal     Related     Recorded     Income     Recorded     Income  
    Investment     Balance     Allowance     Investment     Recognized     Investment     Recognized  
With no allowance recorded:                                                        
  Commercial   $ 13     $ 13     $ —     $ 15     $ 1     $ 14     $ —  
  Real estate:                                                        
    Construction     —       —       —       —       —       —       —  
    Mortgage-residential     946       1,201       —       1,207       14       1,204       8  
    Mortgage-commercial     5,890       8,327       —       8,428       165       8,073       79  
  Consumer:                                                        
    Home Equity     89       95       —       96       2       97       1  
    Other     —       —       —       —       —       —       —  
                                                         
With an allowance recorded:                                                        
  Commercial     —       —       —       —       —       —       —  
  Real estate:                                                        
    Construction     —       —       —       —       —       —       —  
    Mortgage-residential     51       51       3       52       2       51       —  
    Mortgage-commercial     34       34       1       34       1       346       —  
  Consumer:                                                        
    Home Equity     —       —       —       —       —       —       —  
    Other     —       —       —       —       —       —       —  
                                                         
Total:                                                        
  Commercial   $ 13     $ 13     $ —     $ 15     $ 1     $ 14     $ —  
  Real estate:                                                        
    Construction     —       —       —       —       —       —       —  
    Mortgage-residential     997       1,252       3       1,259       16       1,255       8  
    Mortgage-commercial     5,924       8,361       1       8,462       166       8,419       79  
  Consumer:                                                        
    Home Equity     89       95       —       96       2       97       1  
    Other     —       —       —       —       —       —       —  
    $ 7,023     $ 9,721     $ 4     $ 9,832     $ 185     $ 9,785     $ 88  

(Dollars in thousands)                              
December 31, 2015         Unpaid           Average     Interest  
    Recorded     Principal     Related     Recorded     Income  
    Investment     Balance     Allowance     Investment     Recognized  
With no allowance recorded:                                        
  Commercial   $ 9     $ 9     $ —     $ 13     $ —  
  Real estate:                                        
    Construction     —       —       —       —       —  
    Mortgage-residential     799       874       —       1,082       1  
    Mortgage-commercial     5,620       7,548       —       8,372       60  
  Consumer:                                        
    Home Equity     —       —       —       —       —  
    Other     —       —       —       —       —  
                                         
With an allowance recorded:                                        
  Commercial     —       —       —       —       —  
  Real estate:                                        
    Construction     —       —       —       —       —  
    Mortgage-residential     49       49       3       51       3  
    Mortgage-commercial     —       —       —       —       —  
  Consumer:                                        
    Home Equity     —       —       —       —       —  
    Other     —       —       —       —       —  
                                         
Total:                                        
  Commercial     9       9       —       13       —  
  Real estate:                                        
    Construction     —       —       —       —       —  
    Mortgage-residential     848       923       3       1,133       4  
    Mortgage-commercial     5,620       7,548       —       8,372       60  
  Consumer:                                        
    Home Equity     —       —       —       —       —  
    Other     —       —       —       —       —  
    $ 6,477     $ 8,480     $ 3     $ 9,518     $ 64
Schedule of loan category and loan by risk categories
(Dollars in thousands)                              
June 30, 2016         Special                    
    Pass     Mention     Substandard     Doubtful     Total  
Commercial, financial & agricultural   $ 39,247     $ 232     $ 1     $ —     $ 39,480  
Real estate:                                        
   Construction     41,912       341       —       —       42,253  
   Mortgage – residential     48,742       776       982       —       50,500  
   Mortgage – commercial     320,094       11,775       7,407       —       339,276  
Consumer:                                        
  Home Equity     31,274       173       161       —       31,608  
  Other     8,185       —       1       —       8,186  
Total   $ 489,454     $ 13,297     $ 8,552     $ —     $ 511,303  

 

(Dollars in thousands)                              
December 31, 2015         Special                    
    Pass     Mention     Substandard     Doubtful     Total  
Commercial, financial & agricultural   $ 37,501     $ 299     $ 9     $ —     $ 37,809  
Real estate:                                        
   Construction     35,374       455       —       —       35,829  
   Mortgage – residential     46,580       1,378       1,119       —       49,077  
   Mortgage – commercial     310,367       7,555       9,056       —       326,978  
Consumer:                                        
  Home Equity     30,587       180       139       —       30,906  
  Other     8,587       1       4       —       8,592  
Total   $ 468,996     $ 9,868     $ 10,327     $ —     $ 489,191
Schedule of PCI Loan portfolio at fair value

In conjunction with the acquisition of Savannah River Financial Corporation of Augusta, Georgia, the bank holding

company for Savannah River Banking Company (“Savannah River”), on February 1, 2014, the acquired PCI loan portfolio was accounted for at fair value as follows: 

 

(Dollars in thousands)   February 1, 2014  
       
Contractual principal and interest at acquisition   $ 5,717  
Nonaccretable difference     (1,205 )
Expected cash flows at acquisition     4,512  
Accretable yield     (272 )
Basis in PCI loans at acquisition – estimated fair value   $ 4,240  
Schedule for changes in the accretable yield for PCI loans

A summary of changes in the accretable yield for PCI loans for the three and six months ended June 30, 2016 and 2015 follows (in thousands): 

 

    Three Months
Ended
June 30, 2016		     Six Months
Ended
June 30, 2016		  
             
Accretable yield, beginning of period   $ 50     $ 92  
                 
Accretion     (91 )     (133 )
Reclassification of nonaccretable difference due to improvement in
    expected cash flows		     94       94  
Accretable yield, end of period   $ 53     $ 53  

 

    Three Months
Ended
June 30, 2015		     Six Months
Ended
June 30, 2015		  
             
Accretable yield, beginning of period   $ 28     $ 75  
                 
Accretion     (34 )     (471 )
Reclassification of nonaccretable difference due to improvement in
    expected cash flows		     141       531  
Accretable yield, end of period   $ 135     $ 135
Schedule of loan category and present loans past due and on non-accrual status

The following tables are by loan category and present loans past due and on non-accrual status as of June 30, 2016 and December 31, 2015:

(Dollars in thousands)
 
June 30, 2016		   30-59
Days
Past Due		     60-89
Days Past
Due		     Greater than
90 Days
and
Accruing		     Nonaccrual     Total
Past Due		     Current     Total Loans  
Commercial   $ 163     $ —     $ —     $ 1     $ 164     $ 39,316     $ 39,480  
Real estate:                                                        
  Construction     288       —       —       —       288       41,965       42,253  
  Mortgage-residential     319       —       —       670       989       49,511       50,500  
  Mortgage-commercial     413       455       —       3,801       4,669       334,607       339,276  
Consumer:                                                        
  Home equity     62       70       31       30       193       31,415       31,608  
  Other     40       2       7       —       49       8,137       8,186  
Total   $ 1,285     $ 527     $ 38     $ 4,502     $ 6,352     $ 504,951     $ 511,303  

 

(Dollars in thousands)
 
December 31, 2015		   30-59
Days
Past Due		     60-89
Days Past
Due		     Greater than
90 Days
and
Accruing		     Nonaccrual     Total
Past Due		     Current     Total Loans  
Commercial   $ 5     $ —     $ —     $ 9     $ 14     $ 37,795     $ 37,809  
Real estate:                                                        
  Construction     —       —       —       —       —       35,829       35,829  
  Mortgage-residential     126       195       —       799       1,120       47,957       49,077  
  Mortgage-commercial     1,180       290       —       4,031       5,501       321,477       326,978  
Consumer:                                                        
  Home equity     135       —       —       —       135       30,771       30,906  
  Other     4       4       —       —       8       8,584       8,592  
Total   $ 1,450     $ 489     $ —     $ 4,839     $ 6,778     $ 482,413     $ 489,191  
Schedule by loan category, present loans determined to be TDRs

The following table, by loan category, presents one loan determined to be a TDR during the six month period ended June 30, 2016. The loan was modified to extend the term of the loan due to financial hardship of the borrower. The loan was subsequently paid off in June 2016.

 

Troubled Debt Restructurings   For the six months ended June 30, 2016  
(Dollars in thousands)   Number
of
Contracts		     Pre-Modification
Outstanding
Recorded
Investment		     Post-Modification
Outstanding
Recorded
Investment		  
Accrual                        
  Mortgage-Commercial     1     $ 413     $ 413  
Total Accrual     1     $ 413     $ 413  
                         
Total TDRs     1     $ 413     $ 413
XML 32 R22.htm IDEA: XBRL DOCUMENT v3.5.0.2
Fair Value of Financial Instruments (Tables)
 6 Months Ended
Jun. 30, 2016
Fair Value Disclosures [Abstract]  
Schedule of carrying amount and estimated fair value by classification Level of the Company's financial instruments

The carrying amount and estimated fair value by classification level of the Company’s financial instruments as of June 30, 2016 and December 31, 2015 are as follows:

 

    June 30, 2016  
          Fair Value  
(Dollars in thousands)   Carrying
Amount		     Total     Level 1     Level 2     Level 3  
Financial Assets:                                        
 Cash and short term investments   $ 22,295     $ 22,295     $ 22,295     $ —     $ —  
 Held-to-maturity securities     17,283       18,100       —       18,100       —  
 Available-for-sale securities     267,315       267,315       818       265,547       950  
 Other investments, at cost     2,168       2,168       —       —       2,168  
 Loans held for sale     7,707       7,707       —       7,707       —  
 Net loans receivable     506,426       505,415       —       499,316       6,099  
 Accrued interest     2,934       2,934       2,934       —       —  
Financial liabilities:                                        
 Non-interest bearing demand   $ 170,976     $ 170,976     $ —     $ 170,976     $ —  
 NOW and money market accounts     318,875       318,875       —       318,875       —  
 Savings     63,887       63,887       —       63,887       —  
 Time deposits     175,885       176,141       —       176,141       —  
 Total deposits     729,623       729,879       —       729,879       —  
 Federal Home Loan Bank Advances     32,445       33,993       —       33,993       —  
 Short term borrowings     21,112       21,112       —       21,112       —  
 Junior subordinated debentures     14,964       14,961       —       14,961       —  
 Accrued interest payable     621       621       621       —       —  

 

    December 31, 2015  
          Fair Value  
(Dollars in thousands)   Carrying
Amount		     Total     Level 1     Level 2     Level 3  
Financial Assets:                                        
 Cash and short term investments   $ 22,941     $ 22,941     $ 22,941     $ —     $ —  
 Held-to-maturity securities     17,371       17,555       —       17,555       —  
 Available-for-sale securities     264,687       264,687       812       263,458       417  
 Other investments, at cost     1,783       1,783       —       —       1,783  
 Loans held for sale     2,962       2,962       —       2,962       —  
 Net loans receivable     484,595       484,669       —       478,195       6,474  
 Accrued interest     2,877       2,877       2,877       —       —  
Financial liabilities:                                        
 Non-interest bearing demand deposits   $ 156,247     $ 156,247     $ —     $ 156,247     $ —  
 NOW and money market accounts     318,308       318,308       —       318,308       —  
 Savings     60,699       60,699       —       60,699       —  
 Time deposits     180,897       181,325       —       181,325       —  
 Total deposits     716,151       716,579       —       716,579       —  
 Federal Home Loan Bank Advances     24,788       25,841       —       25,841       —  
 Short term borrowings     21,033       21,033       —       21,033       —  
 Junior subordinated debentures     14,964       14,954       —       14,954       —  
 Accrued interest payable     652       652       652       —       —
Schedule of fair value for each category of assets carried at fair value that are measured on a recurring basis

The following tables summarize quantitative disclosures about the fair value for each category of assets carried at fair value as of June 30, 2016 and December 31, 2015 that are measured on a recurring basis. There were no liabilities carried at fair value as of June 30, 2016 or December 31, 2015 that are measured on a recurring basis.

 

(Dollars in thousands)

Description   June 30,
2016		     Quoted
Prices in
Active
Markets for
Identical
Assets
(Level 1)		     Significant
Other
Observable
Inputs
(Level 2)		     Significant
Unobservable
Inputs
(Level 3)		  
Available for sale securities                                
US Treasury   $ 1,577     $ —     $ 1,577     $ —  
Government sponsored enterprises     1,032       —       1,032     $ —  
Mortgage-backed securities     151,268       —       151,268       —  
Small Business Administration securities     55,351       —       55,351       —  
State and local government     56,258       —       56,258       —  
Corporate and other securities     1,829       818       61       950  
               Total   $ 267,315     $ 818     $ 265,547     $ 950  

  

(Dollars in thousands)

Description   December 31,
2015		    

 

Quoted
Prices in
Active
Markets for
Identical
Assets
(Level 1)

     Significant
Other
Observable
Inputs
(Level 2)		     Significant
Unobservable
Inputs
(Level 3)		  
Available for sale securities                                
US Treasury Securities   $ 1,522     $ —     $ 1,522     $ —  
Government sponsored enterprises     992       —       992       —  
Mortgage-backed securities     146,261       —       146,261       —  
Small Business Administration securities     57,328       —       57,328       —  
State and local government     57,295       —       57,295       —  
Corporate and other securities     1,289       812       60       417  
               Total   $ 264,687     $ 812     $ 263,458     $ 417
Schedule reconciling the changes in Level 3 financial instruments measured on a recurring basis

The following table reconciles the changes in Level 3 financial instruments for the six months ended June 30, 2016 and 2015 that are measured on a recurring basis. 

 

    June 30,  
    2016     2015  
(Dollars in thousands)   Corporate
Preferred
Stock		     Corporate
Preferred
Stock		  
Beginning Balance   $ 417     $ 417  
Total gains or losses (realized/unrealized) Included in earnings     —       —  
Included in other comprehensive income     —       —  
Purchases, issuances, and settlements     950       —  
Maturities, sales, payoffs     (417 )        
Transfers in and/or out of Level 3     —       —  
Ending Balance   $ 950     $ 417  

 

The following table reconciles the changes in Level 3 financial instruments for the three months ended June 30, 2016 and June 30, 2015 that are measured on a recurring basis. 

 

    June 30,  
    2016     2015  
(Dollars in thousands)   Corporate
Preferred
Stock		     Corporate
Preferred
Stock		  
Beginning Balance   $ 417     $ 417  
Total gains or losses (realized/unrealized) Included in earnings     —       —  
 Included in other comprehensive income     —       —  
 Purchases, issuances, and settlements     950       —  
Maturities, sales, payoffs     (417 )        
Transfers in and/or out of Level 3     —       —  
Ending Balance   $ 950     $ 417
Schedule of the fair value for each category of assets carried at fair value that are measured on a non-recurring basis

The following tables summarize quantitative disclosures about the fair value for each category of assets carried at fair value as of June 30, 2016 and December 31, 2015 that are measured on a non-recurring basis.

 

(Dollars in thousands)                        
Description   June 30,
2016		     Quoted Prices
in Active
Markets for
Identical Assets
(Level 1)		     Significant
Other
Observable
Inputs
(Level 2)		     Significant
Unobservable
Inputs
(Level 3)		  
Impaired loans:                                
  Commercial & Industrial   $ 1     $ —     $ —     $ 1  
  Real estate:                                
    Mortgage-residential     715       —       —       715  
    Mortgage-commercial     5,353       —       —       5,353  
  Consumer:                                
    Home equity     30       —       —       30  
    Other     —       —       —       —  
      Total impaired     6,099       —       —       6,099  
Other real estate owned:                                
  Construction     —       —       —       —  
  Mortgage-residential     336       —       —       336  
  Mortgage-commercial     1,019       —       —       1,019  
      Total other real estate owned     1,355       —       —       1,355  
Total   $ 7,454     $ —     $ —     $ 7,454  

 

(Dollars in thousands)                        
Description   December 31,
2015		     Quoted Prices
in Active
Markets for
Identical Assets
(Level 1)		     Significant
Other
Observable
Inputs
(Level 2)		     Significant
Unobservable
Inputs
(Level 3)		  
Impaired loans:                                
  Commercial   $ 9     $ —     $ —     $ 9  
  Real estate:                                
    Mortgage-residential     845       —       —       845  
    Mortgage-commercial     5,620       —       —       5,620  
  Consumer:                                
    Home equity     —       —       —       —  
    Other     —       —       —       —  
      Total impaired     6,474       —       —       6,474  
Other real estate owned:                                
  Construction     276       —       —       276  
  Mortgage-residential     191       —       —       191  
  Mortgage-commercial     1,991       —       —       1,991  
  Total other real estate owned     2,458       —       —       2,458  
Total   $ 8,932     $ —     $ —     $ 8,932  
Schedule of significant unobservable inputs used in the fair value measurements

For Level 3 assets and liabilities measured at fair value on a recurring or non-recurring basis as of June 30, 2016 and December 31, 2015, the significant unobservable inputs used in the fair value measurements were as follows:

 

(Dollars in thousands) Fair Value as of
June 30, 2016		 Valuation Technique Significant
Observable Inputs		 Significant
Unobservable Inputs
Preferred stock $950 Estimation based on comparable non-listed securities Comparable transactions n/a
OREO $1,355 Appraisal Value/Comparison Sales/Other estimates Appraisals and or sales of comparable properties Appraisals discounted 6% to 16% for sales commissions and other holding cost
Impaired loans $6,099 Appraisal Value Appraisals and or sales of comparable properties Appraisals discounted 6% to 16% for sales commissions and other holding cost
         
(Dollars in thousands) Fair Value as of
December 31, 2015		 Valuation Technique Significant
Observable Inputs		 Significant
Unobservable Inputs
Preferred stock $417 Estimation based on comparable non-listed securities Comparable transactions n/a
OREO $2,458 Appraisal Value/Comparison Sales/Other estimates Appraisals and or sales of comparable properties Appraisals discounted 6% to 16% for sales commissions and other holding cost
Impaired loans $6,474 Appraisal Value Appraisals and or sales of comparable properties Appraisals discounted 6% to 16% for sales commissions and other holding cost
XML 33 R23.htm IDEA: XBRL DOCUMENT v3.5.0.2
Reportable Segments (Tables)
 6 Months Ended
Jun. 30, 2016
Reportable Segments Tables  
Schedule of financial information for reportable business segments

The following tables present selected financial information for the Company’s reportable business segments for the three and six months ended June 30, 2016 and 2015:

 

                                     
Six months ended June 30, 2016   Commercial           Investment                    
(Dollars in thousands)   and Retail     Mortgage     advisory and                    
    Banking     Banking     non-deposit     Corporate     Eliminations     Consolidated  
                                                 
Dividend and Interest Income   $ 14,396     $ 82     $ —     $ 1,414     $ (1,296 )   $ 14,596  
Interest expense     1,343       —       —       239               1,582  
Net interest income   $ 13,053     $ 82     $ —     $ 1,175     $ —     $ 13,014  
Provision for loan losses     357       —       —       —       —       357  
Noninterest income     2,187       1,578       588       —       —       4,353  
Noninterest expense     10,722       1,155       517       281       —       12,675  
Net income before taxes   $ 4,161     $ 505     $ 71     $ 894     $ —     $ 4,335  
Income tax (provision) benefit     (1,233 )     —       —       111               (1,122 )
Net income (loss)   $ 2,928     $ 505     $ 71     $ 1,005     $ —     $ 3,213  
                                     
Three months ended June 30, 2016   Commercial           Investment                    
(Dollars in thousands)   and Retail     Mortgage     advisory and                    
    Banking     Banking     non-deposit     Corporate     Eliminations     Consolidated  
                                     
Dividend and Interest Income   $ 7,389     $ 55     $ —     $ 679     $ (664 )     7,459  
Interest expense     664       —       —       118               782  
Net interest income   $ 6,725     $ 55     $ —     $ 561     $ —     $ 6,677  
Provision for loan losses     217       —       —       —       —       217  
Noninterest income     1,054       913       297       —       —       2,264  
Noninterest expense     5,317       623       260       133       —       6,333  
Net income before taxes   $ 2,245     $ 345     $ 37     $ 428     $ —     $ 2,391  
Income tax (provision) benefit     (709 )     —       —       63       —       (646 )
Net income   $ 1,536     $ 345     $ 37     $ 491     $ —     $ 1,745  

 

Six months ended June 30, 2015   Commercial           Investment                    
(Dollars in thousands)   and Retail     Mortgage     advisory and                    
    Banking     Banking     non-deposit     Corporate     Eliminations     Consolidated  
                                     
Dividend and Interest Income   $ 14,194     $ 109     $ —     $ 1,127     $ (1,098 )   $ 14,332  
Interest expense     1,460       —       —       220               1,680  
Net interest income   $ 12,734     $ 109     $ —     $ 907     $ —     $ 12,652  
Provision for loan losses     797       —       —       —       —       797  
Noninterest income     2,128       1,715       703       —       —       4,546  
Noninterest expense     10,223       1,317       506       443       —       12,489  
Net income before taxes   $ 3,842     $ 507     $ 197     $ 464     $ —     $ 3,912  
Income tax (provision) benefit     (1,248 )     —       —       183       —       (1,065 )
Net income   $ 2,594     $ 507     $ 197     $ 647     $ —     $ 2,847  
                                     
Three months ended June 30, 2015   Commercial           Investment                    
(Dollars in thousands)   and Retail     Mortgage     advisory and                    
    Banking     Banking     non-deposit     Corporate     Eliminations     Consolidated  
                                                 
Dividend and Interest Income   $ 6,970     $ 64     $ —     $ 547     $ (532 )     7,049  
Interest expense     736       —       —       109               845  
Net interest income   $ 6,234     $ 64     $ —     $ 438     $ —     $ 6,204  
Provision for loan losses     391       —       —       —       —       391  
Noninterest income     1,290       981       294       —       —       2,565  
Noninterest expense     5,256       740       220       173       —       6,389  
Net income before taxes   $ 1,877     $ 305     $ 74     $ 265     $ —     $ 1,989  
Income tax (provision) benefit     (622 )     —       —       76       —       (546 )
Net income   $ 1,255     $ 305     $ 74     $ 341     $ —     $ 1,443  
                                     
    Commercial           Investment                    
(Dollars in thousands)   and Retail     Mortgage     advisory and                    
    Banking     Banking     non-deposit     Corporate     Eliminations     Consolidated  
                                                 
Total Assets as of June 30, 2016   $ 877,142     $ 9,594     $ 37     $ 95,445     $ (93,381 )   $ 888,837  
                                                 
Total Assets as of December 31, 2015   $ 855,888     $ 4,355     $ 34     $ 93,296     $ (90,839 )   $ 862,734  
XML 34 R24.htm IDEA: XBRL DOCUMENT v3.5.0.2
EARNINGS PER SHARE (Details) - USD ($)
$ / shares in Units, $ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2016
Jun. 30, 2015
Jun. 30, 2016
Jun. 30, 2015
Earnings Per Share [Abstract]        
Numerator (Net income) $ 1,745 $ 1,443 $ 3,213 $ 2,847
Weighted average common shares outstanding for:        
Basic earnings per share (in shares) 6,584 6,539 6,554 6,534
Dilutive securities:        
Deferred compensation (in shares) 38 50 38 50
Warrants/Restricted stock -Treasury stock method (in shares) 147 109 141 94
Diluted earnings per share (in shares) 6,769 6,698 6,733 6,678
The average market price used in calculating assumed number of shares (in dollars per share) $ 14.00 $ 12.12 $ 14.00 $ 12.12
XML 35 R25.htm IDEA: XBRL DOCUMENT v3.5.0.2
EARNINGS PER SHARE (Details Narrative) - USD ($)
$ in Thousands
 6 Months Ended
Dec. 16, 2013
Jun. 30, 2016
Dec. 31, 2015
Warrants outstanding   97,180  
Restricted shares issued (in shares)   138,000  
Unrecognized compensation cost   $ 405 $ 297
Junior Subordinated Debt [Member]      
Debt issued $ 2,500    
Warrant [Member]      
Warrants issued (in shares) 107,500    
XML 36 R26.htm IDEA: XBRL DOCUMENT v3.5.0.2
INVESTMENT SECURITIES (Details) - USD ($)
$ in Thousands
 6 Months Ended 12 Months Ended
Jun. 30, 2016
Dec. 31, 2015
Schedule of Available-for-sale Securities [Line Items]    
Amortized Cost $ 261,611 $ 263,549
Gross Unrealized Gains 6,420 2,932
Gross Unrealized Losses 716 1,794
Fair Value 267,315 264,687
US Treasury Securities [Member]    
Schedule of Available-for-sale Securities [Line Items]    
Amortized Cost 1,542 1,547
Gross Unrealized Gains 35
Gross Unrealized Losses 25
Fair Value 1,577 1,522
Government sponsored enterprises [Member]    
Schedule of Available-for-sale Securities [Line Items]    
Amortized Cost 954 950
Gross Unrealized Gains 78 42
Gross Unrealized Losses
Fair Value 1,032 992
Government Sponsored Enterprise mortgage-backed securities [Member]    
Schedule of Available-for-sale Securities [Line Items]    
Amortized Cost 149,415 146,935
Gross Unrealized Gains 2,168 498
Gross Unrealized Losses 315 1,172
Fair Value 151,268 146,261
Small Business Administration pools [Member]    
Schedule of Available-for-sale Securities [Line Items]    
Amortized Cost 55,223 57,474
Gross Unrealized Gains 476 355
Gross Unrealized Losses 348 501
Fair Value 55,351 57,328
State and local government [Member]    
Schedule of Available-for-sale Securities [Line Items]    
Amortized Cost 52,595 55,294
Gross Unrealized Gains 3,663 2,037
Gross Unrealized Losses 36
Fair Value 56,258 57,295
Corporate and other securities [Member]    
Schedule of Available-for-sale Securities [Line Items]    
Amortized Cost 1,882 1,349
Gross Unrealized Gains
Gross Unrealized Losses 53 60
Fair Value $ 1,829 $ 1,289
XML 37 R27.htm IDEA: XBRL DOCUMENT v3.5.0.2
INVESTMENT SECURITIES (Details 2) - USD ($)
$ in Thousands
 6 Months Ended 12 Months Ended
Jun. 30, 2016
Dec. 31, 2015
Schedule of Trading Securities and Other Trading Assets [Line Items]    
Amortized Cost $ 17,283 $ 17,371
Gross Unrealized Gains 817 211
Gross Unrealized Losses 27
Fair Value 18,100 17,555
State and local government [Member]    
Schedule of Trading Securities and Other Trading Assets [Line Items]    
Amortized Cost 17,283 17,371
Gross Unrealized Gains 817 211
Gross Unrealized Losses 27
Fair Value $ 18,100 $ 17,555
XML 38 R28.htm IDEA: XBRL DOCUMENT v3.5.0.2
INVESTMENT SECURITIES (Details 3) - USD ($)
$ in Thousands
 6 Months Ended 12 Months Ended
Jun. 30, 2016
Dec. 31, 2015
Available-for-sale securities    
Less Than 12 Months, Fair Value $ 20,560 $ 85,481
Less Than 12 Months, Unrealized Losses 127 917
12 Months Or Longer, Fair Value 40,895 45,662
12 Months Or Longer, Unrealized Losses 589 877
Total Fair Value 61,455 131,143
Total Unrealized Losses 716 1,794
Held-to-maturity debt securities    
Less Than 12 Months, Fair Value   3,473
Less Than 12 Months, Unrealized Losses   24
12 Months Or Longer, Fair Value   444
12 Months Or Longer, Unrealized Losses   3
Total Fair Value   3,917
Total Unrealized Losses   27
US Treasury Securities [Member]    
Available-for-sale securities    
Less Than 12 Months, Fair Value   1,522
Less Than 12 Months, Unrealized Losses   25
12 Months Or Longer, Fair Value  
12 Months Or Longer, Unrealized Losses  
Total Fair Value   1,522
Total Unrealized Losses   25
Government Sponsored Enterprise mortgage-backed securities [Member]    
Available-for-sale securities    
Less Than 12 Months, Fair Value 13,693 69,112
Less Than 12 Months, Unrealized Losses 109 731
12 Months Or Longer, Fair Value 15,017 17,593
12 Months Or Longer, Unrealized Losses 201 439
Total Fair Value 28,710 86,705
Total Unrealized Losses 310 1,170
Small Business Administration pools [Member]    
Available-for-sale securities    
Less Than 12 Months, Fair Value 6,708 13,386
Less Than 12 Months, Unrealized Losses 16 153
12 Months Or Longer, Fair Value 24,810 25,709
12 Months Or Longer, Unrealized Losses 331 348
Total Fair Value 31,518 39,095
Total Unrealized Losses 347 501
Non-agency mortgage-backed securities [Member]    
Available-for-sale securities    
Less Than 12 Months, Fair Value 159
Less Than 12 Months, Unrealized Losses 2
12 Months Or Longer, Fair Value 250 186
12 Months Or Longer, Unrealized Losses 4 2
Total Fair Value 409 186
Total Unrealized Losses 6 2
State and local government [Member]    
Available-for-sale securities    
Less Than 12 Months, Fair Value   1,461
Less Than 12 Months, Unrealized Losses   8
12 Months Or Longer, Fair Value   1,362
12 Months Or Longer, Unrealized Losses   28
Total Fair Value   2,823
Total Unrealized Losses   36
Held-to-maturity debt securities    
Less Than 12 Months, Fair Value   3,473
Less Than 12 Months, Unrealized Losses   24
12 Months Or Longer, Fair Value   444
12 Months Or Longer, Unrealized Losses   3
Total Fair Value   3,917
Total Unrealized Losses   27
Corporate and other securities [Member]    
Available-for-sale securities    
Less Than 12 Months, Fair Value
Less Than 12 Months, Unrealized Losses
12 Months Or Longer, Fair Value 818 812
12 Months Or Longer, Unrealized Losses 53 60
Total Fair Value 818 812
Total Unrealized Losses $ 53 $ 60
XML 39 R29.htm IDEA: XBRL DOCUMENT v3.5.0.2
INVESTMENT SECURITIES (Details 4) - USD ($)
$ in Thousands
Jun. 30, 2016
Dec. 31, 2015
Available-for-sale, Amortized Cost    
Due in one year or less $ 8,059  
Due after one year through five years 143,234  
Due after five years through ten years 100,893  
Due after ten years 9,425  
Total 261,611  
Available-for-sale, Fair Value    
Due in one year or less 8,075  
Due after one year through five years 145,584  
Due after five years through ten years 104,248  
Due after ten years 9,408  
Total 267,315  
Held To Maturity Securities, Amortized Cost    
Due in one year or less  
Due after one year through five years 4,994  
Due after five years through ten years 12,289  
Due after ten years  
Total 17,283 $ 17,371
Held To Maturity Securities, Fair value    
Due in one year or less  
Due after one year through five years 5,147  
Due after five years through ten years 12,953  
Due after ten years  
Total $ 18,100 $ 17,555
XML 40 R30.htm IDEA: XBRL DOCUMENT v3.5.0.2
INVESTMENT SECURITIES (Details Narrative) - USD ($)
 3 Months Ended 6 Months Ended
Jun. 30, 2016
Jun. 30, 2015
Jun. 30, 2016
Jun. 30, 2015
Dec. 31, 2015
Amortized Cost $ 261,611,000   $ 261,611,000    
Fair Value 267,315,000   267,315,000    
FHLB Stock 2,200,000   2,200,000   $ 1,800,000
Proceeds from sale of investment securities available-for-sale 2,200,000 $ 10,100,000 14,126,000 $ 17,061,000  
Gross realized gains 64,000 167,000 123,000 271,000  
Gross realized losses 0 $ 0 0 $ 0  
Mutual Funds [Member]          
Fair Value 826,100   826,100   839,200
Foreign Corporate Debt Securities [Member]          
Fair Value 60,200   60,200   60,300
Corporate Preferred Stock [Member]          
Fair Value $ 950,000   $ 950,000   $ 416,800
XML 41 R31.htm IDEA: XBRL DOCUMENT v3.5.0.2
LOANS (Details) - USD ($)
$ in Thousands
Jun. 30, 2016
Dec. 31, 2015
Jun. 30, 2015
Accounts, Notes, Loans and Financing Receivable [Line Items]      
Loans $ 511,303 $ 489,191 $ 474,016
Commercial Financial and Agricultural Loans [Member]      
Accounts, Notes, Loans and Financing Receivable [Line Items]      
Loans 39,480 37,809 37,915
Real Estate Construction Loans [Member]      
Accounts, Notes, Loans and Financing Receivable [Line Items]      
Loans 42,253 35,829 30,392
Real estate Mortgage-residential [Member]      
Accounts, Notes, Loans and Financing Receivable [Line Items]      
Loans 50,500 49,077 49,341
Real estate Mortgage-commercial [Member]      
Accounts, Notes, Loans and Financing Receivable [Line Items]      
Loans 339,276 326,978 315,373
Consumer Home Equity Line of Credit [Member]      
Accounts, Notes, Loans and Financing Receivable [Line Items]      
Loans 31,608 30,906 32,264
Consumer Other Financing Receivable [Member]      
Accounts, Notes, Loans and Financing Receivable [Line Items]      
Loans $ 8,186 $ 8,592 $ 8,731
XML 42 R32.htm IDEA: XBRL DOCUMENT v3.5.0.2
LOANS (Details 2) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended 12 Months Ended
Jun. 30, 2016
Jun. 30, 2015
Jun. 30, 2016
Jun. 30, 2015
Dec. 31, 2015
Activity in the allowance for loan losses          
Balance at the beginning of the period $ 4,687 $ 4,252 $ 4,596 $ 4,132 $ 4,132
Charge-offs (37) (376) (100)   (807)
Recoveries 10 14 24   133
Provisions 217 391 357 797 1,138
Balance at end of the period 4,877 4,281 4,877 4,281 4,596
Allowance for loan losses          
Individually evaluated for impairment 3   3   3
Collectively evaluated for impairment 4,874   4,874   4,593
Loans receivable:          
Ending balance-total 511,303 474,016 511,303 474,016 489,191
Individually evaluated for impairment 6,102   6,102   6,477
Collectively evaluated for impairment 505,201   505,201   482,714
Commercial Financial and Agricultural Loans [Member]          
Activity in the allowance for loan losses          
Balance at the beginning of the period 73 210 75 67 67
Charge-offs   (69)
Recoveries 1 1 3   6
Provisions (3) 10 (7)   71
Balance at end of the period 71 221 71 221 75
Allowance for loan losses          
Individually evaluated for impairment    
Collectively evaluated for impairment 71   71   75
Loans receivable:          
Ending balance-total 39,480 37,915 39,480 37,915 37,809
Individually evaluated for impairment 1   1   9
Collectively evaluated for impairment 39,479   39,479   37,800
Real Estate Construction Loans [Member]          
Activity in the allowance for loan losses          
Balance at the beginning of the period 57 134 51 45 45
Charge-offs  
Recoveries  
Provisions 2 (10) 8   6
Balance at end of the period 59 124 59 124 51
Allowance for loan losses          
Individually evaluated for impairment    
Collectively evaluated for impairment 59   59   51
Loans receivable:          
Ending balance-total 42,253 30,392 42,253 30,392 35,829
Individually evaluated for impairment    
Collectively evaluated for impairment 42,253   42,253   35,829
Real estate Mortgage-residential [Member]          
Activity in the allowance for loan losses          
Balance at the beginning of the period 237 243 223 179 179
Charge-offs (1) (26) (1)   (50)
Recoveries 3 1 5   7
Provisions (32) (39) (20)   87
Balance at end of the period 207 179 207 179 223
Allowance for loan losses          
Individually evaluated for impairment     3
Collectively evaluated for impairment 207   207   220
Loans receivable:          
Ending balance-total 50,500 49,341 50,500 49,341 49,077
Individually evaluated for impairment 718   718   848
Collectively evaluated for impairment 49,782   49,782   48,229
Real estate Mortgage-commercial [Member]          
Activity in the allowance for loan losses          
Balance at the beginning of the period 2,001 1,580 2,036 1,572 1,572
Charge-offs (13) (334) (58)   (626)
Recoveries 2 1 8   33
Provisions 359 527 363   1,057
Balance at end of the period 2,349 1,774 2,349 1,774 2,036
Allowance for loan losses          
Individually evaluated for impairment 3   3  
Collectively evaluated for impairment 2,346   2,346   2,036
Loans receivable:          
Ending balance-total 339,276 315,373 339,276 315,373 326,978
Individually evaluated for impairment 5,353   5,353   5,620
Collectively evaluated for impairment 333,923   333,923   321,358
Consumer Home Equity Line of Credit [Member]          
Activity in the allowance for loan losses          
Balance at the beginning of the period 87 121 127 134 134
Charge-offs (8) (8)  
Recoveries 1 1 2   3
Provisions 13 (3) (28)   (10)
Balance at end of the period 93 119 93 119 127
Allowance for loan losses          
Individually evaluated for impairment    
Collectively evaluated for impairment 93   93   127
Loans receivable:          
Ending balance-total 31,608 32,264 31,608 32,264 30,906
Individually evaluated for impairment 30   30  
Collectively evaluated for impairment 31,578   31,578   30,906
Consumer Other Financing Receivable [Member]          
Activity in the allowance for loan losses          
Balance at the beginning of the period 26 58 37 44 44
Charge-offs (15) (16) (33)   (62)
Recoveries 3 10 6   84
Provisions 9 8 13   (29)
Balance at end of the period 23 60 23 60 37
Allowance for loan losses          
Individually evaluated for impairment    
Collectively evaluated for impairment 23   23   37
Loans receivable:          
Ending balance-total 8,186 8,731 8,186 8,731 8,592
Individually evaluated for impairment    
Collectively evaluated for impairment 8,186   8,186   8,592
Unallocated Financing Receivables [Member]          
Activity in the allowance for loan losses          
Balance at the beginning of the period 2,206 1,906 2,047 2,091 2,091
Charge-offs  
Recoveries  
Provisions (131) (102) 28   (44)
Balance at end of the period 2,075 $ 1,804 2,075 $ 1,804 2,047
Allowance for loan losses          
Individually evaluated for impairment    
Collectively evaluated for impairment 2,075   2,075   2,047
Loans receivable:          
Ending balance-total    
Individually evaluated for impairment    
Collectively evaluated for impairment    
XML 43 R33.htm IDEA: XBRL DOCUMENT v3.5.0.2
LOANS (Details 3) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended 12 Months Ended
Jun. 30, 2016
Jun. 30, 2015
Jun. 30, 2016
Jun. 30, 2015
Dec. 31, 2015
Loans Details 3          
Total loans considered impaired at year end $ 6,102 $ 7,023 $ 6,102 $ 7,023 $ 6,477
Loans considered impaired for which there is a related allowance for loan loss:          
Outstanding loan balance 48   48   49
Related allowance 3 4 3 4 3
Loans considered impaired and previously written down to fair value 6,054   6,054   6,428
Average impaired loans 9,666 9,785 9,729 9,832 $ 9,518
Amount of interest earned during period of impairment $ 25 $ 88 $ 51 $ 185  
XML 44 R34.htm IDEA: XBRL DOCUMENT v3.5.0.2
LOANS (Details 4) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended 12 Months Ended
Jun. 30, 2016
Jun. 30, 2015
Jun. 30, 2016
Jun. 30, 2015
Dec. 31, 2015
With no allowance recorded:          
Recorded Investment $ 6,054   $ 6,054   $ 6,428
With an allowance recorded:          
Recorded Investment 48   48   49
Related allowance 3 $ 4 3 $ 4 3
Total:          
Recorded Investment 6,102 7,023 6,102 7,023 6,477
Unpaid Principal Balance 8,621 9,721 8,621 9,721 8,480
Average Recorded Investment 9,666 9,785 9,729 9,832 9,518
Interest Income Recognized 25 88 51 185  
Commercial Financial and Agricultural Loans [Member]          
With no allowance recorded:          
Recorded Investment 1 13 1 13 9
Unpaid Principal Balance 1 13 1 13 9
Average Recorded Investment 3 14 6 15 13
Interest Income Recognized 1
With an allowance recorded:          
Recorded Investment
Unpaid Principal Balance
Related allowance
Average Recorded Investment
Interest Income Recognized
Total:          
Recorded Investment 1 13 1 13 9
Unpaid Principal Balance 1 13 1 13 9
Average Recorded Investment 3 14 6 15 13
Interest Income Recognized 1
Real Estate Construction Loans [Member]          
With no allowance recorded:          
Recorded Investment
Unpaid Principal Balance
Average Recorded Investment
Interest Income Recognized
With an allowance recorded:          
Recorded Investment
Unpaid Principal Balance
Related allowance
Average Recorded Investment
Interest Income Recognized
Total:          
Recorded Investment
Unpaid Principal Balance
Average Recorded Investment
Interest Income Recognized
Real estate Mortgage-residential [Member]          
With no allowance recorded:          
Recorded Investment 670 946 670 946 799
Unpaid Principal Balance 687 1,201 687 1,201 874
Average Recorded Investment 837 1,204 794 1,207 1,082
Interest Income Recognized 1 8 1 14 1
With an allowance recorded:          
Recorded Investment 48 51 48 51 49
Unpaid Principal Balance 48 51 48 51 49
Related allowance 3 3 3 3 3
Average Recorded Investment 48 51 48 52 51
Interest Income Recognized 1 1 2 3
Total:          
Recorded Investment 718 997 718 997 848
Unpaid Principal Balance 735 1,252 735 1,252 923
Average Recorded Investment 837 1,255 842 1,259 1,133
Interest Income Recognized 1 8 1 16 4
Real estate Mortgage-commercial [Member]          
With no allowance recorded:          
Recorded Investment 5,353 5,890 5,353 5,890 5,620
Unpaid Principal Balance 7,855 8,327 7,855 8,327 7,548
Average Recorded Investment 8,796 8,073 8,851 8,428 8,372
Interest Income Recognized 24 79 50 165 60
With an allowance recorded:          
Recorded Investment 34 34
Unpaid Principal Balance 34 34
Related allowance 1 1
Average Recorded Investment 346 34
Interest Income Recognized 1
Total:          
Recorded Investment 5,353 5,924 5,353 5,924 5,620
Unpaid Principal Balance 7,855 8,361 7,855 8,361 7,548
Average Recorded Investment 8,796 8,419 8,851 8,462 8,372
Interest Income Recognized 24 79 50 166 60
Consumer Home Equity Line of Credit [Member]          
With no allowance recorded:          
Recorded Investment 30 89 30 89
Unpaid Principal Balance 30 95 30 95
Average Recorded Investment 30 97 30 96
Interest Income Recognized 1 2
With an allowance recorded:          
Recorded Investment
Unpaid Principal Balance
Related allowance
Average Recorded Investment
Interest Income Recognized
Total:          
Recorded Investment 30 89 30 89
Unpaid Principal Balance 30 95 30 95
Average Recorded Investment 30 97 30 96
Interest Income Recognized 1 2
Consumer Other Financing Receivable [Member]          
With no allowance recorded:          
Recorded Investment
Unpaid Principal Balance
Average Recorded Investment
Interest Income Recognized
With an allowance recorded:          
Recorded Investment
Unpaid Principal Balance
Related allowance
Average Recorded Investment
Interest Income Recognized
Total:          
Recorded Investment
Unpaid Principal Balance
Average Recorded Investment
Interest Income Recognized
XML 45 R35.htm IDEA: XBRL DOCUMENT v3.5.0.2
LOANS (Details 5) - USD ($)
$ in Thousands
Jun. 30, 2016
Dec. 31, 2015
Jun. 30, 2015
Loans $ 511,303 $ 489,191 $ 474,016
Commercial Financial and Agricultural Loans [Member]      
Loans 39,480 37,809 37,915
Real Estate Construction Loans [Member]      
Loans 42,253 35,829 30,392
Real estate Mortgage-residential [Member]      
Loans 50,500 49,077 49,341
Consumer Other Financing Receivable [Member]      
Loans 339,276 326,978  
Consumer Home Equity Line of Credit [Member]      
Loans 31,608 30,906 32,264
Consumer Other Financing Receivable [Member]      
Loans 8,186 8,592 8,731
Real estate Mortgage-commercial [Member]      
Loans 339,276 326,978 $ 315,373
Pass [Member]      
Loans 489,454 468,996  
Pass [Member] | Commercial Financial and Agricultural Loans [Member]      
Loans 39,247 37,501  
Pass [Member] | Real Estate Construction Loans [Member]      
Loans 41,912 35,374  
Pass [Member] | Real estate Mortgage-residential [Member]      
Loans 48,742 46,580  
Pass [Member] | Consumer Other Financing Receivable [Member]      
Loans 8,185 8,587  
Pass [Member] | Consumer Home Equity Line of Credit [Member]      
Loans 31,274 30,587  
Pass [Member] | Real estate Mortgage-commercial [Member]      
Loans 320,094 310,367  
Special Mention [Member]      
Loans 13,297 9,868  
Special Mention [Member] | Commercial Financial and Agricultural Loans [Member]      
Loans 232 299  
Special Mention [Member] | Real Estate Construction Loans [Member]      
Loans 341 455  
Special Mention [Member] | Real estate Mortgage-residential [Member]      
Loans 776 1,378  
Special Mention [Member] | Consumer Other Financing Receivable [Member]      
Loans 1  
Special Mention [Member] | Consumer Home Equity Line of Credit [Member]      
Loans 173 180  
Special Mention [Member] | Real estate Mortgage-commercial [Member]      
Loans 11,775 7,555  
Substandard [Member]      
Loans 8,552 10,327  
Substandard [Member] | Commercial Financial and Agricultural Loans [Member]      
Loans 1 9  
Substandard [Member] | Real Estate Construction Loans [Member]      
Loans  
Substandard [Member] | Real estate Mortgage-residential [Member]      
Loans 982 1,119  
Substandard [Member] | Consumer Other Financing Receivable [Member]      
Loans 1 4  
Substandard [Member] | Consumer Home Equity Line of Credit [Member]      
Loans 161 139  
Substandard [Member] | Real estate Mortgage-commercial [Member]      
Loans 7,407 9,056  
Doubtful [Member]      
Loans  
Doubtful [Member] | Commercial Financial and Agricultural Loans [Member]      
Loans  
Doubtful [Member] | Real Estate Construction Loans [Member]      
Loans  
Doubtful [Member] | Real estate Mortgage-residential [Member]      
Loans  
Doubtful [Member] | Consumer Other Financing Receivable [Member]      
Loans  
Doubtful [Member] | Consumer Home Equity Line of Credit [Member]      
Loans  
Doubtful [Member] | Real estate Mortgage-commercial [Member]      
Loans  
XML 46 R36.htm IDEA: XBRL DOCUMENT v3.5.0.2
LOANS (Details 6)
$ in Thousands
Feb. 01, 2014
USD ($)
Loans Details 6  
Contractual principal and interest at acquisition $ 5,717
Nonaccretable difference (1,205)
Expected cash flows at acquisition 4,512
Accretable yield (272)
Basis in PCI loans at acquisition - estimated fair value $ 4,240
XML 47 R37.htm IDEA: XBRL DOCUMENT v3.5.0.2
LOANS (Details 7) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2016
Jun. 30, 2015
Jun. 30, 2016
Jun. 30, 2015
Loans Details 6        
Accretable yield, beginning of period $ 50 $ 28 $ 92 $ 75
Accretion (91) (34) (133) (471)
Reclassification of nonaccretable difference due to improvement in expected cash flows 94 141 94 531
Accretable yield, end of period $ 53 $ 135 $ 53 $ 135
XML 48 R38.htm IDEA: XBRL DOCUMENT v3.5.0.2
LOANS (Details 8) - USD ($)
$ in Thousands
Jun. 30, 2016
Dec. 31, 2015
Jun. 30, 2015
Financing Receivable, Recorded Investment, Past Due [Line Items]      
30-59 Days Past Due $ 1,285 $ 1,450  
60-89 Days Past Due 527 489  
Greater than 90 Days and Accruing 38  
Nonaccrual 4,502 4,839  
Total Past Due 6,352 6,778  
Current 504,951 482,413  
Total Loans 511,303 489,191 $ 474,016
Commercial Loan [Member]      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
30-59 Days Past Due 163 5  
60-89 Days Past Due  
Greater than 90 Days and Accruing  
Nonaccrual 1 9  
Total Past Due 164 14  
Current 39,316 37,795  
Total Loans 39,480 37,809  
Real Estate Construction Loans [Member]      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
30-59 Days Past Due 288  
60-89 Days Past Due  
Greater than 90 Days and Accruing  
Nonaccrual  
Total Past Due 288  
Current 41,965 35,829  
Total Loans 42,253 35,829 30,392
Real estate Mortgage-residential [Member]      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
30-59 Days Past Due 319 126  
60-89 Days Past Due 195  
Greater than 90 Days and Accruing  
Nonaccrual 670 799  
Total Past Due 989 1,120  
Current 49,511 47,957  
Total Loans 50,500 49,077 49,341
Consumer Other Financing Receivable [Member]      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
30-59 Days Past Due 413 1,180  
60-89 Days Past Due 455 290  
Greater than 90 Days and Accruing  
Nonaccrual 3,801 4,031  
Total Past Due 4,669 5,501  
Current 334,607 321,477  
Total Loans 339,276 326,978  
Consumer Home Equity Line of Credit [Member]      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
30-59 Days Past Due 62 135  
60-89 Days Past Due 70  
Greater than 90 Days and Accruing 31  
Nonaccrual 30  
Total Past Due 193 135  
Current 31,415 30,771  
Total Loans 31,608 30,906 32,264
Consumer Other Financing Receivable [Member]      
Financing Receivable, Recorded Investment, Past Due [Line Items]      
30-59 Days Past Due 40 4  
60-89 Days Past Due 2 4  
Greater than 90 Days and Accruing 7  
Nonaccrual  
Total Past Due 49 8  
Current 8,137 8,584  
Total Loans $ 8,186 $ 8,592 $ 8,731
XML 49 R39.htm IDEA: XBRL DOCUMENT v3.5.0.2
LOANS (Details 9) - Nonaccrual Status [Member]
$ in Thousands
 6 Months Ended
Jun. 30, 2016
USD ($)
Number
Financing Receivable, Modifications [Line Items]  
Number of Contracts | Number 1
Pre-Modification Outstanding Recorded Investment $ 413
Post-Modification Outstanding Recorded Investment $ 413
Real estate Mortgage-commercial [Member]  
Financing Receivable, Modifications [Line Items]  
Number of Contracts | Number 1
Pre-Modification Outstanding Recorded Investment $ 413
Post-Modification Outstanding Recorded Investment $ 413
XML 50 R40.htm IDEA: XBRL DOCUMENT v3.5.0.2
LOANS (Details Narrative) - USD ($)
 6 Months Ended
Jun. 30, 2016
Jun. 30, 2015
Dec. 31, 2015
Receivables [Abstract]      
Loans outstanding to bank directors, executive officers and their related business interests $ 8,800,000 $ 8,400,000  
Loans to bank directors, executive officers and their related business interests repaid during the period 378,900 1,200,000  
Loans made to bank directors, executive officers and their related business interests during the period   $ 1,700,000  
Troubled debt restructurings $ 1,600,000   $ 1,600,000
XML 51 R41.htm IDEA: XBRL DOCUMENT v3.5.0.2
FAIR VALUE MEASUREMENT (Details) - USD ($)
$ in Thousands
Jun. 30, 2016
Dec. 31, 2015
Financial Assets:    
Held-to-maturity securities $ 18,100 $ 17,555
Investment securities available-for-sale 267,315 264,687
Other investments, at cost 2,168 1,783
Financial liabilities:    
Non-interest bearing demand 170,976 156,247
NOW and money market accounts 318,875 318,308
Savings 63,887 60,699
Time deposits 175,885 180,897
Carrying (Reported) Amount, Fair Value Disclosure [Member]    
Financial Assets:    
Cash and short term investments 22,295 22,941
Held-to-maturity securities 17,283 17,371
Investment securities available-for-sale 267,315 264,687
Other investments, at cost 2,168 1,783
Loans held for sale 7,707 2,962
Net loans receivable 506,426 484,595
Accrued interest 2,934 2,877
Financial liabilities:    
Non-interest bearing demand 170,976 156,247
NOW and money market accounts 318,875 318,308
Savings 63,887 60,699
Time deposits 175,885 180,897
Total deposits 729,623 716,151
Federal Home Loan Bank Advances 32,445 24,788
Short term borrowings 21,112 21,033
Junior subordinated debentures 14,964 14,964
Accrued interest payable 621 652
Estimate of Fair Value, Fair Value Disclosure [Member]    
Financial Assets:    
Cash and short term investments 22,295 22,941
Held-to-maturity securities 18,100 17,555
Investment securities available-for-sale 267,315 264,687
Other investments, at cost 2,168 1,783
Loans held for sale 7,707 2,962
Net loans receivable 505,415 484,669
Accrued interest 2,934 2,877
Financial liabilities:    
Non-interest bearing demand 170,976 156,247
NOW and money market accounts 318,875 318,308
Savings 63,887 60,699
Time deposits 176,141 181,325
Total deposits 729,879 716,579
Federal Home Loan Bank Advances 33,993 25,841
Short term borrowings 21,112 21,033
Junior subordinated debentures 14,961 14,954
Accrued interest payable 621 652
Fair Value, Inputs, Level 1 [Member]    
Financial Assets:    
Cash and short term investments 22,295 22,941
Held-to-maturity securities
Investment securities available-for-sale 818 812
Other investments, at cost
Loans held for sale
Net loans receivable
Accrued interest 2,934 2,877
Financial liabilities:    
Non-interest bearing demand
NOW and money market accounts
Savings
Time deposits
Total deposits
Federal Home Loan Bank Advances
Short term borrowings
Junior subordinated debentures
Accrued interest payable 621 652
Fair Value, Inputs, Level 2 [Member]    
Financial Assets:    
Cash and short term investments
Held-to-maturity securities 18,100 17,555
Investment securities available-for-sale 265,547 263,458
Other investments, at cost
Loans held for sale 7,707 2,962
Net loans receivable 499,316 478,195
Accrued interest
Financial liabilities:    
Non-interest bearing demand 170,976 156,247
NOW and money market accounts 318,875 318,308
Savings 63,887 60,699
Time deposits 176,141 181,325
Total deposits 729,879 716,579
Federal Home Loan Bank Advances 33,993 25,841
Short term borrowings 21,112 21,033
Junior subordinated debentures 14,961 14,954
Accrued interest payable
Fair Value, Inputs, Level 3 [Member]    
Financial Assets:    
Cash and short term investments
Held-to-maturity securities
Investment securities available-for-sale 950 417
Other investments, at cost 2,168 1,783
Loans held for sale
Net loans receivable 6,099 6,474
Accrued interest
Financial liabilities:    
Non-interest bearing demand
NOW and money market accounts
Savings
Time deposits
Total deposits
Federal Home Loan Bank Advances
Short term borrowings
Junior subordinated debentures
Accrued interest payable
XML 52 R42.htm IDEA: XBRL DOCUMENT v3.5.0.2
FAIR VALUE MEASUREMENT (Details 2) - USD ($)
$ in Thousands
Jun. 30, 2016
Dec. 31, 2015
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Investment securities available-for-sale $ 267,315 $ 264,687
US Treasury Securities [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Investment securities available-for-sale 1,577 1,522
Government sponsored enterprises [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Investment securities available-for-sale 1,032 992
Small Business Administration pools [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Investment securities available-for-sale 55,351 57,328
State and local government [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Investment securities available-for-sale 56,258 57,295
Corporate and other securities [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Investment securities available-for-sale 1,829 1,289
Fair Value, Measurements, Recurring [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Investment securities available-for-sale 267,315 264,687
Estimate of Fair Value, Fair Value Disclosure [Member] | Fair Value, Measurements, Recurring [Member] | US Treasury Securities [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Investment securities available-for-sale 1,577 1,522
Estimate of Fair Value, Fair Value Disclosure [Member] | Fair Value, Measurements, Recurring [Member] | Government sponsored enterprises [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Investment securities available-for-sale 1,032 992
Estimate of Fair Value, Fair Value Disclosure [Member] | Fair Value, Measurements, Recurring [Member] | Mortgage-backed securities [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Investment securities available-for-sale 151,268 146,261
Estimate of Fair Value, Fair Value Disclosure [Member] | Fair Value, Measurements, Recurring [Member] | Small Business Administration pools [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Investment securities available-for-sale 55,351 57,328
Estimate of Fair Value, Fair Value Disclosure [Member] | Fair Value, Measurements, Recurring [Member] | State and local government [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Investment securities available-for-sale 56,258 57,295
Estimate of Fair Value, Fair Value Disclosure [Member] | Fair Value, Measurements, Recurring [Member] | Corporate and other securities [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Investment securities available-for-sale 1,829 1,289
Fair Value, Inputs, Level 1 [Member] | Fair Value, Measurements, Recurring [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Investment securities available-for-sale 818 812
Fair Value, Inputs, Level 1 [Member] | Fair Value, Measurements, Recurring [Member] | Corporate and other securities [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Investment securities available-for-sale 818 812
Fair Value, Inputs, Level 2 [Member] | Fair Value, Measurements, Recurring [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Investment securities available-for-sale 265,547 263,458
Fair Value, Inputs, Level 2 [Member] | Fair Value, Measurements, Recurring [Member] | US Treasury Securities [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Investment securities available-for-sale 1,577 1,522
Fair Value, Inputs, Level 2 [Member] | Fair Value, Measurements, Recurring [Member] | Government sponsored enterprises [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Investment securities available-for-sale 1,032 992
Fair Value, Inputs, Level 2 [Member] | Fair Value, Measurements, Recurring [Member] | Mortgage-backed securities [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Investment securities available-for-sale 151,268 146,261
Fair Value, Inputs, Level 2 [Member] | Fair Value, Measurements, Recurring [Member] | Small Business Administration pools [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Investment securities available-for-sale 55,351 57,328
Fair Value, Inputs, Level 2 [Member] | Fair Value, Measurements, Recurring [Member] | State and local government [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Investment securities available-for-sale 56,258 57,295
Fair Value, Inputs, Level 2 [Member] | Fair Value, Measurements, Recurring [Member] | Corporate and other securities [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Investment securities available-for-sale 61 60
Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Recurring [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Investment securities available-for-sale 950 417
Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Recurring [Member] | Corporate and other securities [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Investment securities available-for-sale $ 950 $ 417
XML 53 R43.htm IDEA: XBRL DOCUMENT v3.5.0.2
FAIR VALUE MEASUREMENT (Details 3) - Corporate Preferred Stock [Member] - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2016
Jun. 30, 2015
Jun. 30, 2016
Jun. 30, 2015
Reconciliation of changes in level 3 financial instruments        
Beginning Balance $ 417 $ 417 $ 417 $ 417
Total gains or losses (realized/unrealized) Included in earnings
Included in other comprehensive income
Purchases, issuances, and settlements 950 950
Maturities, sales, payoffs (417)   (417)  
Transfers in and/or out of Level 3
Balance at the end of the period $ 950 $ 417 $ 950 $ 417
XML 54 R44.htm IDEA: XBRL DOCUMENT v3.5.0.2
FAIR VALUE MEASUREMENT (Details 4) - USD ($)
$ in Thousands
Jun. 30, 2016
Dec. 31, 2015
Jun. 30, 2015
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Total impaired loans $ 6,102 $ 6,477 $ 7,023
Total other real estate owned 1,355 2,458  
Estimate of Fair Value, Fair Value Disclosure [Member] | Fair Value, Measurements, Nonrecurring [Member]      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Total impaired loans 6,099 6,474  
Total other real estate owned 1,355 2,458  
Total 7,454 8,932  
Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Nonrecurring [Member]      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Total impaired loans 6,099 6,474  
Total other real estate owned 1,355 2,458  
Total 7,454 8,932  
Commercial and Industrial Loans Receivable [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | Fair Value, Measurements, Nonrecurring [Member]      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Total impaired loans 1 9  
Commercial and Industrial Loans Receivable [Member] | Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Nonrecurring [Member]      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Total impaired loans 1 9  
Real Estate Construction Loans [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | Fair Value, Measurements, Nonrecurring [Member]      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Total other real estate owned 276  
Real Estate Construction Loans [Member] | Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Nonrecurring [Member]      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Total other real estate owned 276  
Real estate Mortgage-residential [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | Fair Value, Measurements, Nonrecurring [Member]      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Total impaired loans 715 845  
Total other real estate owned 336 191  
Real estate Mortgage-residential [Member] | Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Nonrecurring [Member]      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Total impaired loans 715 845  
Total other real estate owned 336 191  
Real estate Mortgage-commercial [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | Fair Value, Measurements, Nonrecurring [Member]      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Total impaired loans 5,353 5,620  
Total other real estate owned 1,019 1,991  
Real estate Mortgage-commercial [Member] | Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Nonrecurring [Member]      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Total impaired loans 5,353 5,620  
Total other real estate owned 1,019 1,991  
Consumer Home Equity Line of Credit [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | Fair Value, Measurements, Nonrecurring [Member]      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Total impaired loans 30  
Consumer Home Equity Line of Credit [Member] | Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Nonrecurring [Member]      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Total impaired loans 30  
Consumer Other Financing Receivable [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | Fair Value, Measurements, Nonrecurring [Member]      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Total impaired loans  
Consumer Other Financing Receivable [Member] | Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Nonrecurring [Member]      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Total impaired loans  
XML 55 R45.htm IDEA: XBRL DOCUMENT v3.5.0.2
FAIR VALUE MEASUREMENT (Details 5) - USD ($)
$ in Thousands
 6 Months Ended 12 Months Ended
Jun. 30, 2016
Dec. 31, 2015
Jun. 30, 2015
Fair Value Inputs, Assets, Quantitative Information [Line Items]      
OREO $ 1,355 $ 2,458  
Total impaired loans 6,102 6,477 $ 7,023
Other Real Estate Owned [Member] | Fair Value, Inputs, Level 3 [Member] | Appraisal Value Comparison Sales Other Estimates Valuation Technique [Member]      
Fair Value Inputs, Assets, Quantitative Information [Line Items]      
OREO $ 1,355 $ 2,458  
Other Real Estate Owned [Member] | Fair Value, Inputs, Level 3 [Member] | Minimum [Member] | Appraisal Value Comparison Sales Other Estimates Valuation Technique [Member]      
Fair Value Inputs, Assets, Quantitative Information [Line Items]      
Rate (as a percent) 6.00% 6.00%  
Other Real Estate Owned [Member] | Fair Value, Inputs, Level 3 [Member] | Maximum [Member] | Appraisal Value Comparison Sales Other Estimates Valuation Technique [Member]      
Fair Value Inputs, Assets, Quantitative Information [Line Items]      
Rate (as a percent) 16.00% 16.00%  
Impaired Loans [Member] | Fair Value, Inputs, Level 3 [Member] | Appraisal Value Discounted Cash Flows Valuation Technique [Member]      
Fair Value Inputs, Assets, Quantitative Information [Line Items]      
Total impaired loans $ 6,099 $ 6,474  
Impaired Loans [Member] | Fair Value, Inputs, Level 3 [Member] | Minimum [Member] | Appraisal Value Discounted Cash Flows Valuation Technique [Member]      
Fair Value Inputs, Assets, Quantitative Information [Line Items]      
Rate (as a percent) 6.00% 6.00%  
Impaired Loans [Member] | Fair Value, Inputs, Level 3 [Member] | Maximum [Member] | Appraisal Value Discounted Cash Flows Valuation Technique [Member]      
Fair Value Inputs, Assets, Quantitative Information [Line Items]      
Rate (as a percent) 16.00% 16.00%  
Preferred Stock [Member] | Fair Value, Inputs, Level 3 [Member] | Estimation Based on Comparable Non Listed Securities Valuation Technique [Member]      
Fair Value Inputs, Assets, Quantitative Information [Line Items]      
Preferred stock $ 950 $ 417  
XML 56 R46.htm IDEA: XBRL DOCUMENT v3.5.0.2
DEPOSITS (Details) - USD ($)
$ in Thousands
Jun. 30, 2016
Dec. 31, 2015
Banking and Thrift [Abstract]    
Non-interest bearing demand deposits $ 170,976 $ 156,247
NOW and money market accounts 318,875 318,308
Savings 63,887 60,699
Time deposits 175,885 180,897
Total deposits 729,623 716,151
Time deposits greater than $250 thousand $ 22,100 $ 21,200
XML 57 R47.htm IDEA: XBRL DOCUMENT v3.5.0.2
Reportable Segments (Details) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended 12 Months Ended
Jun. 30, 2016
Jun. 30, 2015
Jun. 30, 2016
Jun. 30, 2015
Dec. 31, 2015
Dividend and Interest Income $ 7,459 $ 7,049 $ 14,596 $ 14,332  
Interest expense 782 845 1,582 1,680  
Net interest income 6,677 6,204 13,014 12,652  
Provision for loan losses 217 391 357 797 $ 1,138
Noninterest income 2,264 2,565 4,353 4,546  
Noninterest expense 6,333 6,389 12,675 12,489  
Net income before taxes 2,391 1,989 4,335 3,912  
Income tax (provision) benefit 646 546 1,122 1,065  
Net income (loss) 1,745 1,443 3,213 2,847  
Total assets 888,837   888,837   862,734
Commercial And Retail Banking [Member]          
Dividend and Interest Income 7,389 6,970 14,396 14,194  
Interest expense 664 736 1,343 1,460  
Net interest income 6,725 6,234 13,053 12,734  
Provision for loan losses 217 391 357 797  
Noninterest income 1,054 1,290 2,187 2,128  
Noninterest expense 5,317 5,256 10,722 10,223  
Net income before taxes 2,245 1,877 4,161 3,842  
Income tax (provision) benefit (709) (622) (1,233) (1,248)  
Net income (loss) 1,536 1,255 2,928 2,594  
Total assets 877,142   877,142   855,888
Mortgage Banking [Member]          
Dividend and Interest Income 55 64 82 109  
Interest expense  
Net interest income 55 64 82 109  
Provision for loan losses  
Noninterest income 913 981 1,578 1,715  
Noninterest expense 623 740 1,155 1,317  
Net income before taxes 345 305 505 507  
Income tax (provision) benefit  
Net income (loss) 345 305 505 507  
Total assets 9,594   9,594   4,355
Investment Advisory And Non Deposit [Member]          
Dividend and Interest Income  
Interest expense  
Net interest income  
Provision for loan losses  
Noninterest income 297 294 588 703  
Noninterest expense 260 220 517 506  
Net income before taxes 37 74 71 197  
Income tax (provision) benefit  
Net income (loss) 37 74 71 197  
Total assets 37   37   34
Corporate [Member]          
Dividend and Interest Income 679 547 1,414 1,127  
Interest expense 118 109 239 220  
Net interest income 561 438 1,175 907  
Provision for loan losses  
Noninterest income  
Noninterest expense 133 173 281 443  
Net income before taxes 428 265 894 464  
Income tax (provision) benefit 63 76 111 183  
Net income (loss) 491 341 1,005 647  
Total assets 95,445   95,445   93,296
Eliminations [Member]          
Dividend and Interest Income (664) (532) (1,296) (1,098)  
Net interest income  
Provision for loan losses  
Noninterest income  
Noninterest expense  
Net income before taxes  
Income tax (provision) benefit    
Net income (loss)  
Total assets $ (93,381)   $ (93,381)   $ (90,839)
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