Premier Financial Bancorp (PFBI) 10-Q 10 May 16 2016 Q1 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	3 Months Ended
	Mar. 31, 2016	Apr. 29, 2016
Document and Entity Information [Abstract]
Entity Registrant Name	PREMIER FINANCIAL BANCORP INC
Entity Central Index Key	887,919
Current Fiscal Year End Date	--12-31
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Filer Category	Accelerated Filer
Entity Common Stock, Shares Outstanding		9,650,830
Document Fiscal Year Focus	2,016
Document Fiscal Period Focus	Q1
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Mar. 31, 2016

CONSOLIDATED BALANCE SHEETS (UN

CONSOLIDATED BALANCE SHEETS (UNAUDITED) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
ASSETS
Cash and due from banks	$ 35,641	$ 33,888
Interest bearing bank balances	80,838	32,816
Federal funds sold	8,052	5,835
Cash and cash equivalents	124,531	72,539
Securities available for sale	315,698	255,466
Loans	986,643	849,746
Allowance for loan losses	(9,915)	(9,647)
Net loans	976,728	840,099
Federal Home Loan Bank stock, at cost	3,267	3,072
Premises and equipment, net	24,029	19,841
Real estate and other property acquired through foreclosure	13,426	13,040
Interest receivable	3,715	3,162
Goodwill	37,117	33,796
Other intangible assets	3,768	2,180
Other assets	1,203	1,498
Total assets	1,503,482	1,244,693
Deposits
Non-interest bearing	305,512	271,194
Time deposits, $250,000 and over	70,427	64,062
Other interest bearing	908,237	724,940
Total deposits	1,284,176	1,060,196
Securities sold under agreements to repurchase	24,533	21,694
FHLB advances	1,289	0
Other borrowed funds	10,684	11,292
Subordinated debentures	5,313	0
Interest payable	371	321
Other liabilities	4,385	3,958
Total liabilities	1,330,751	1,097,461
Stockholders' equity
Common stock, no par value; 20,000,000 shares authorized; 9,605,830 shares issued and outstanding at March 31, 2016, and 8,179,731 shares issued and outstanding at December 31, 2015	91,561	69,319
Retained earnings	79,132	77,592
Accumulated other comprehensive income	2,038	321
Total stockholders' equity	172,731	147,232
Total liabilities and stockholders' equity	$ 1,503,482	$ 1,244,693

CONSOLIDATED BALANCE SHEETS (U3

CONSOLIDATED BALANCE SHEETS (UNAUDITED) (Parenthetical) - $ / shares	Mar. 31, 2016	Dec. 31, 2015
Stockholders' equity
Common stock, par value (in dollars per share)	$ 0	$ 0
Common stock, shares authorized (in shares)	20,000,000	20,000,000
Common stock, shares issued (in shares)	9,605,830	8,179,731
Common stock, shares outstanding (in shares)	9,605,830	8,179,731

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Interest income
Loans, including fees	$ 12,601	$ 11,665
Securities available for sale
Taxable	1,428	1,257
Tax-exempt	84	55
Federal funds sold and other	97	36
Total interest income	14,210	13,013
Interest expense
Deposits	977	916
Repurchase agreements and other	7	10
FHLB advances and other borrowings	120	123
Subordinated debentures	51	0
Total interest expense	1,155	1,049
Net interest income	13,055	11,964
Provision for loan losses	312	69
Net interest income after provision for loan losses	12,743	11,895
Non-interest income
Service charges on deposit accounts	961	878
Electronic banking income	762	644
Secondary market mortgage income	40	38
Other	174	145
Total non-interest income	1,937	1,705
Non-interest expenses
Salaries and employee benefits	4,991	4,341
Occupancy and equipment expenses	1,512	1,327
Outside data processing	1,321	1,096
Professional fees	150	129
Taxes, other than payroll, property and income	158	196
Write-downs, expenses, sales of other real estate owned, net	239	342
Amortization of intangibles	267	225
FDIC insurance	260	215
Conversion expenses	146	0
Other expenses	1,031	921
Total non-interest expenses	10,075	8,792
Income before income taxes	4,605	4,808
Provision for income taxes	1,626	1,666
Net income	$ 2,979	$ 3,142
Net income per share:
Basic (in dollars per share)	$ 0.32	$ 0.39
Diluted (in dollars per share)	$ 0.32	$ 0.36

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME [Abstract]
Net income	$ 2,979	$ 3,142
Other comprehensive income:
Unrealized gains arising during the period	2,632	1,306
Reclassification of realized amount	(4)	0
Net change in unrealized gain on securities	2,628	1,306
Less tax impact	(911)	(444)
Other comprehensive income	1,717	862
Comprehensive income	$ 4,696	$ 4,004

CONSOLIDATED STATEMENT OF CHANG

CONSOLIDATED STATEMENT OF CHANGES IN STOCKHOLDERS' EQUITY (UNAUDITED) - 3 months ended Mar. 31, 2016 - USD ($) $ in Thousands	Common Stock [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income [Member]	Total
Balances at Dec. 31, 2015	$ 69,319	$ 77,592	$ 321	$ 147,232
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	0	2,979	0	2,979
Other comprehensive income	0	0	1,717	1,717
Cash dividends paid	0	(1,439)	0	(1,439)
Stock issued to acquire subsidiary, net	22,041	0	0	22,041
Stock options exercised	81	0	0	81
Stock based compensation expense	120	0	0	120
Balances at Mar. 31, 2016	$ 91,561	$ 79,132	$ 2,038	$ 172,731

CONSOLIDATED STATEMENTS OF CHAN

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (Parenthetical)	3 Months Ended
	Mar. 31, 2016$ / shares
CONSOLIDATED STATEMENT OF CHANGES IN STOCKHOLDERS' EQUITY [Abstract]
Cash dividends paid (in dollars per share)	$ 0.15

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Cash flows from operating activities
Net income	$ 2,979	$ 3,142
Adjustments to reconcile net income to net cash from operating activities
Depreciation	472	420
Provision for loan losses	312	69
Amortization (accretion), net	577	58
OREO writedowns (gains on sales), net	(11)	177
Stock compensation expense	120	139
Loans originated for sale	0	(1,679)
Secondary market loans sold	0	1,308
Secondary market income	0	(38)
Gain on disposition of securities	(4)	0
Changes in:
Interest receivable	45	114
Other assets	859	544
Interest payable	(37)	(48)
Other liabilities	(1,567)	523
Net cash from operating activities	3,745	4,729
Cash flows from investing activities
Purchases of securities available for sale	0	(8,757)
Proceeds from maturities and calls of securities available for sale	18,389	15,350
Redemption of FRB stock	143	0
Purchase of subsidiaries, net of cash received	16,385	0
Net change in loans	(4,132)	6,587
Purchases of premises and equipment, net	(54)	(180)
Improvements to OREO property	(30)	0
Proceeds from sales of other real estate acquired through foreclosure	71	1,652
Net cash from investing activities	30,772	14,652
Cash flows from financing activities
Net change in deposits	18,823	14,603
Net change in agreements to repurchase securities	671	2,519
Repayment of FHLB Advances	(53)	0
Repayment of other borrowed funds	(608)	(607)
Proceeds from stock option exercises	81	11
Common stock dividends paid	(1,439)	(1,058)
Net cash from financing activities	17,475	15,468
Net change in cash and cash equivalents	51,992	34,849
Cash and cash equivalents at beginning of period	72,539	75,384
Cash and cash equivalents at end of period	124,531	110,233
Supplemental disclosures of cash flow information:
Cash paid during period for interest	1,196	1,097
Cash paid during period for income taxes	205	0
Loans transferred to real estate acquired through foreclosure	$ 416	$ 1,140

BASIS OF PRESENTATION

BASIS OF PRESENTATION	3 Months Ended
	Mar. 31, 2016
BASIS OF PRESENTATION [Abstract]
BASIS OF PRESENTATION	NOTE 1 - BASIS OF PRESENTATION The consolidated financial statements include the accounts of Premier Financial Bancorp, Inc. (the Company) and its wholly owned subsidiaries (the “Banks”): March 31, 2016 Year Total Net Income Subsidiary Location Acquired Assets Qtr Citizens Deposit Bank & Trust Vanceburg, Kentucky 1991 $ 393,226 $ 1,074 Premier Bank, Inc. Huntington, West Virginia 1998 1,103,194 2,422 Parent and Intercompany Eliminations 7,062 (517 ) Consolidated Total $ 1,503,482 $ 2,979 All significant intercompany transactions and balances have been eliminated. Recently Issued Accounting Pronouncements In May 2014, FASB issued Accounting Standards Update 2014-09, Revenue from Contracts with Customers (Topic 606) In January 2016, the FASB issued ASU No. 2016-01, Financial Instruments—Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities. In February 2016, the FASB issued ASU No. 2016-02, Leases (Topic 842). In March 2016, the FASB issued ASU No. 2016-09, Compensation-Stock Compensation: Improvements to Employee Share-Based Payment Accounting

SECURITIES

SECURITIES	3 Months Ended
	Mar. 31, 2016
SECURITIES [Abstract]
SECURITIES	NOTE 2 –SECURITIES Amortized cost and fair value of investment securities, by category, at March 31, 2016 are summarized as follows: 2016 Amortized Cost Unrealized Gains Unrealized Losses Fair Value Available for sale Mortgage-backed securities U. S. sponsored agency MBS - residential $ 161,274 $ 1,512 $ (52 ) $ 162,734 U. S. sponsored agency CMO’s - residential 97,904 1,634 (327 ) 99,211 Total mortgage-backed securities of government sponsored agencies 259,178 3,146 (379 ) 261,945 U. S. government sponsored agency securities 31,311 87 (8 ) 31,390 Obligations of states and political subdivisions 22,121 264 (22 ) 22,363 Total available for sale $ 312,610 $ 3,497 $ (409 ) $ 315,698 Amortized cost and fair value of investment securities, by category, at December 31, 2015 are summarized as follows: 2015 Amortized Cost Unrealized Gains Unrealized Losses Fair Value Available for sale Mortgage-backed securities U. S. sponsored agency MBS - residential $ 132,661 $ 540 $ (854 ) $ 132,347 U. S. sponsored agency CMO’s - residential 104,530 1,330 (738 ) 105,122 Total mortgage-backed securities of government sponsored agencies 237,191 1,870 (1,592 ) 237,469 U. S. government sponsored agency securities 10,401 29 (1 ) 10,429 Obligations of states and political subdivisions 7,387 184 (3 ) 7,568 Total available for sale $ 254,979 $ 2,083 $ (1,596 ) $ 255,466 The amortized cost and fair value of securities at March 31, 2016 by contractual maturity are shown below. Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. Amortized Cost Fair Value Available for sale Due in one year or less $ 5,689 $ 5,698 Due after one year through five years 38,141 38,319 Due after five years through ten years 8,447 8,576 Due after ten years 1,155 1,160 Mortgage-backed securities of government sponsored agencies 259,178 261,945 Total available for sale $ 312,610 $ 315,698 During the first three months of 2016 the Company sold $47,000 of securities and realized a gain of $4,000. There were no sales of securities during the first three months of 2015. Securities with unrealized losses at March 31, 2016 aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position are as follows: Less than 12 Months 12 Months or More Total Description of Securities Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss U.S government sponsored agency securities $ 5,335 $ (8 ) $ - $ - $ 5,335 $ (8 ) U.S government sponsored agency MBS – residential 27,723 (52 ) - - 27,723 (52 ) U.S government sponsored agency CMO – residential 5,419 (33 ) 17,249 (294 ) 22,668 (327 ) Obligations of states and political subdivisions 5,496 (22 ) - - 5,496 (22 ) Total temporarily impaired $ 43,973 $ (115 ) $ 17,249 $ (294 ) $ 61,222 $ (409 ) Securities with unrealized losses at December 31, 2015 aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position are as follows: Less than 12 Months 12 Months or More Total Description of Securities Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss U.S government sponsored agency securities $ 2,016 $ (1 ) $ - $ - $ 2,016 $ (1 ) U.S government sponsored agency MBS – residential 94,311 (854 ) - - 94,311 (854 ) U.S government sponsored agency CMO’s – residential 11,604 (161 ) 19,755 (577 ) 31,359 (738 ) Obligations of states and political subdivisions 571 (3 ) - - 571 (3 ) Total temporarily impaired $ 108,502 $ (1,019 ) $ 19,755 $ (577 ) $ 128,257 $ (1,596 ) The investment portfolio is predominately high credit quality interest-bearing bonds with defined maturity dates backed by the U.S. Government or Government sponsored entities. The unrealized losses at March 31, 2016 and December 31, 2015 are price changes resulting from changes in the interest rate environment and are considered to be temporary declines in the value of the securities. Management does not intend to sell and it is likely that management will not be required to sell the securities prior to their anticipated recovery. Their fair value is expected to recover as the bonds approach their maturity date and/or market conditions improve.

LOANS

LOANS	3 Months Ended
	Mar. 31, 2016
LOANS [Abstract]
LOANS	NOTE 3 - LOANS Major classifications of loans at March 31, 2016 and December 31, 2015 are summarized as follows: 2016 2015 Residential real estate $ 339,969 $ 285,826 Multifamily real estate 56,316 50,452 Commercial real estate: Owner occupied 149,137 119,265 Non owner occupied 197,274 188,918 Commercial and industrial 77,801 68,339 Consumer 32,783 31,445 All other 133,363 105,501 $ 986,643 $ 849,746 As more fully discussed under Note 10 below, the table above includes loans purchased in the acquisition of First National Bankshares Corporation (“Bankshares”). The composition of the major classifications of the loans acquired from Bankshares at March 31, 2016 are summarized as follows: 2016 Residential real estate $ 52,379 Multifamily real estate 3,414 Commercial real estate: Owner occupied 22,616 Non owner occupied 10,809 Commercial and industrial 18,261 Consumer 3,040 All other 20,503 $ 131,022 Activity in the allowance for loan losses by portfolio segment for the three months ended March 31, 2016 was as follows: Loan Class Balance Dec 31, 2015 Provision (credit) or loan losses Loans charged-off Recoveries Balance March 31, 2016 Residential real estate $ 2,501 $ 78 $ 49 $ 9 $ 2,539 Multifamily real estate 821 (76 ) - - 745 Commercial real estate: Owner occupied 1,509 21 - 1 1,531 Non owner occupied 2,070 267 - - 2,337 Commercial and industrial 1,033 (136 ) - 36 933 Consumer 307 (11 ) 44 36 288 All other 1,406 169 60 27 1,542 Total $ 9,647 $ 312 $ 153 $ 109 $ 9,915 Activity in the allowance for loan losses by portfolio segment for the three months ended March 31, 2015 was as follows: Loan Class Balance Dec 31, 2014 Provision (credit) for loan losses Loans charged-off Recoveries Balance March 31, 2015 Residential real estate $ 2,093 $ 154 $ 74 $ 23 $ 2,196 Multifamily real estate 304 (17 ) - - 287 Commercial real estate: Owner occupied 1,501 (11 ) 2 1 1,489 Non owner occupied 2,316 8 - - 2,324 Commercial and industrial 1,444 165 161 2 1,450 Consumer 243 18 54 34 241 All other 2,446 (248 ) 59 44 2,183 Total $ 10,347 $ 69 $ 350 $ 104 $ 10,170 Purchased Impaired Loans The Company holds purchased loans for which there was, at their acquisition date, evidence of deterioration of credit quality since their origination and it was probable, at acquisition, that all contractually required payments would not be collected. The carrying amount of those loans is as follows at March 31, 2016 and December 31, 2015. 2016 2015 Residential real estate $ 2,189 $ - Commercial real estate Owner occupied 2,466 131 Non owner occupied 5,511 5,549 Commercial and industrial 385 80 All other 2,430 - Total carrying amount $ 12,981 $ 5,760 Contractual principal balance $ 17,102 $ 7,251 Carrying amount, net of allowance $ 12,916 $ 5,680 For those purchased loans disclosed above, the Company did not increase the allowance for loan losses for the three-months ended March 31, 2016, nor did it increase the allowance for loan losses for purchased impaired loans during the three-months ended March 31, 2015. For those purchased loans disclosed above, where the Company can reasonably estimate the cash flows expected to be collected on the loans, a portion of the purchase discount is allocated to an accretable yield adjustment based upon the present value of the future estimated cash flows versus the current carrying value of the loan and the accretable yield portion is being recognized as interest income over the remaining life of the loan. Where the Company cannot reasonably estimate the cash flows expected to be collected on the loans, it has continued to account for those loans using the cost recovery method of income recognition. As such, no portion of a purchase discount adjustment has been determined to meet the definition of an accretable yield adjustment on those loans accounted for using the cost recovery method. If, in the future, cash flows from the borrower(s) can be reasonably estimated, a portion of the purchase discount would be allocated to an accretable yield adjustment based upon the present value of the future estimated cash flows versus the current carrying value of the loan and the accretable yield portion would be recognized as interest income over the remaining life of the loan. Until such accretable yield can be calculated, under the cost recovery method of income recognition, all payments will be used to reduce the carrying value of the loan and no income will be recognized on the loan until the carrying value is reduced to zero. Any loan accounted for under the cost recovery method is also still included as a non-accrual loan in the amounts presented in the tables below. The accretable yield, or income expected to be collected, on the purchased loans above is as follows at March 31, 2016 and March 31, 2015. 2016 2015 Balance at January 1 $ 185 $ 204 New loans purchased 1,506 - Accretion of income (40 ) (5 ) Reclassifications from non-accretable difference - - Disposals - - Balance at March 31 $ 1,651 $ 199 As part of the Bankshares acquisition on January 15, 2016, the Company purchased credit impaired loans for which it was probable at acquisition that all contractually required payments would not be collected. The contractually required payments of such loans totaled $10,040,000, while the cash flow expected to be collected at acquisition totaled $9,028,000 and the fair value of the acquired loans totaled $7,522,000. Past Due and Non-performing Loans The following tables present the recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans as of March 31, 2016 and December 31 2015. The recorded investment in non-accrual loans is less than the principal owed on non-accrual loans due to discounts applied to the carrying value of the loan at time of their acquisition and interest payments made by the borrower which have been used to reduce the recorded investment in the loan rather than recognized as interest income. March 31, 2016 Principal Owed on Non-accrual Loans Recorded Investment in Non-accrual Loans Loans Past Due Over 90 Days, still accruing Residential real estate $ 2,581 $ 2,260 $ 1,166 Multifamily real estate 422 81 306 Commercial real estate Owner occupied 1,356 1,317 166 Non owner occupied 2,104 1,997 - Commercial and industrial 2,291 1,174 382 Consumer 300 275 - All other 1,057 996 - Total $ 10,111 $ 8,100 $ 2,020 Loans included in totals above acquired from Bankshares $ - $ - $ 1,219 December 31, 2015 Principal Owed on Non-accrual Loans Recorded Investment in Non-accrual Loans Loans Past Due Over 90 Days, still accruing Residential real estate $ 2,367 $ 2,091 $ 867 Multifamily real estate 416 75 - Commercial real estate Owner occupied 791 773 558 Non owner occupied 3,732 3,400 - Commercial and industrial 1,460 337 870 Consumer 257 234 - All other 287 231 737 Total $ 9,310 $ 7,141 $ 3,032 Nonaccrual loans and impaired loans are defined differently. Some loans may be included in both categories, and some may only be included in one category. Nonaccrual loans include both smaller balance homogeneous loans that are collectively evaluated for impairment and individually classified impaired loans. The following table presents the aging of the recorded investment in past due loans as of March 31, 2016 by class of loans: Loan Class Total Loans 30-89 Days Past Due Greater than 90 days past due Total Past Due Loans Not Past Due Residential real estate $ 339,969 $ 4,836 $ 2,006 $ 6,842 $ 333,127 Multifamily real estate 56,316 1,101 387 1,488 54,828 Commercial real estate: Owner occupied 149,137 1,356 1,265 2,621 146,516 Non owner occupied 197,274 1,383 1,969 3,352 193,922 Commercial and industrial 77,801 353 1,374 1,727 76,074 Consumer 32,783 292 105 397 32,386 All other 133,363 3,303 974 4,277 129,086 Total $ 986,643 $ 12,624 $ 8,080 $ 20,704 $ 965,939 Loans included in totals above acquired from Bankshares $ 131,022 $ 788 $ 1,219 $ 2,007 $ 129,015 The following table presents the aging of the recorded investment in past due loans as of December 31, 2015 by class of loans: Loan Class Total Loans 30-89 Days Past Due Greater than 90 days past due Total Past Due Loans Not Past Due Residential real estate $ 285,826 $ 6,298 $ 1,681 $ 7,979 $ 277,847 Multifamily real estate 50,452 1,415 75 1,490 48,962 Commercial real estate: Owner occupied 119,265 1,354 1,195 2,549 116,716 Non owner occupied 188,918 2,481 3,400 5,881 183,037 Commercial and industrial 68,339 220 1,064 1,284 67,055 Consumer 31,445 288 101 389 31,056 All other 105,501 3,157 935 4,092 101,409 Total $ 849,746 $ 15,213 $ 8,451 $ 23,664 $ 826,082 The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of March 31, 2016: Allowance for Loan Losses Loan Balances Loan Class Individually Evaluated for Impairment Collectively Evaluated for Impairment Acquired with Deteriorated Credit Quality Total Individually Evaluated for Impairment Collectively Evaluated for Impairment Acquired with Deteriorated Credit Quality Total Residential real estate $ 6 $ 2,533 $ - $ 2,539 $ 541 $ 337,239 $ 2,189 $ 339,969 Multifamily real estate - 745 - 745 1,058 55,258 - 56,316 Commercial real estate: Owner occupied 52 1,479 - 1,531 438 146,233 2,466 149,137 Non-owner occupied 125 2,212 - 2,337 5,281 186,482 5,511 197,274 Commercial and industrial 150 718 65 933 311 77,105 385 77,801 Consumer - 288 - 288 - 32,783 - 32,783 All other - 1,542 - 1,542 750 130,183 2,430 133,363 Total $ 333 $ 9,517 $ 65 $ 9,915 $ 8,379 $ 965,283 $ 12,981 $ 986,643 The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of December 31, 2015: Allowance for Loan Losses Loan Balances Loan Class Individually Evaluated for Impairment Collectively Evaluated for Impairment Acquired with Deteriorated Credit Quality Total Individually Evaluated for Impairment Collectively Evaluated for Impairment Acquired with Deteriorated Credit Quality Total Residential real estate $ - $ 2,501 $ - $ 2,501 $ 575 $ 285,251 $ - $ 285,826 Multifamily real estate - 821 - 821 75 50,377 - 50,452 Commercial real estate: Owner occupied 44 1,465 - 1,509 446 118,688 131 119,265 Non-owner occupied 22 2,048 - 2,070 6,502 176,867 5,549 188,918 Commercial and industrial 153 800 80 1,033 544 67,715 80 68,339 Consumer - 307 - 307 - 31,445 - 31,445 All other - 1,406 - 1,406 750 104,751 - 105,501 Total $ 219 $ 9,348 $ 80 $ 9,647 $ 8,892 $ 835,094 $ 5,760 $ 849,746 In the tables below, total individually evaluated impaired loans include certain purchased loans that were acquired with deteriorated credit quality that are still individually evaluated for impairment. The following table presents loans individually evaluated for impairment by class of loans as of March 31, 2016. The table includes $65 of loans acquired with deteriorated credit quality that are still individually evaluated for impairment. Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated With no related allowance recorded: Residential real estate $ 544 $ 535 $ - Multifamily real estate 1,399 1,058 - Commercial real estate Owner occupied 82 76 - Non owner occupied 4,677 4,571 - Commercial and industrial 907 161 - All other 805 750 - 8,414 7,151 - With an allowance recorded: Residential real estate 43 6 6 Commercial real estate Owner occupied 364 362 52 Non-owner occupied 710 710 125 Commercial and industrial 518 215 215 1,635 1,293 398 Total $ 10,049 $ 8,444 $ 398 The following table presents loans individually evaluated for impairment by class of loans as of December 31, 2015. The table includes $80 of loans acquired with deteriorated credit quality that are still individually evaluated for impairment. Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated With no related allowance recorded: Residential real estate $ 636 $ 575 $ - Multifamily real estate 416 75 - Commercial real estate Owner occupied 276 269 - Non owner occupied 6,554 6,222 - Commercial and industrial 1,160 391 - All other 805 750 - 9,847 8,282 - With an allowance recorded: Commercial real estate Owner occupied $ 177 $ 177 $ 44 Non owner occupied 280 280 22 Commercial and industrial 528 233 233 985 690 299 Total $ 10,832 $ 8,972 $ 299 The following table presents the average balance of loans individually evaluated for impairment and interest income recognized on these loans for the three months ended March 31, 2016 and March 31, 2015. The table includes loans acquired with deteriorated credit quality that are still individually evaluated for impairment. Three months ended March 31, 2016 Three months ended March 31, 2015 Loan Class Average Recorded Investment Interest Income Recognized Cash Basis Interest Recognized Average Recorded Investment Interest Income Recognized Cash Basis Interest Recognized Residential real estate $ 558 $ 5 $ 4 $ 135 $ 1 $ 1 Multifamily real estate 566 13 12 1,796 - - Commercial real estate: Owner occupied 441 - - 1,457 9 8 Non-owner occupied 5,892 50 41 4,800 48 48 Commercial and industrial 500 3 3 987 4 4 All other 750 - - 6,195 16 11 Total $ 8,707 $ 71 $ 60 $ 15,370 $ 78 $ 72 Troubled Debt Restructurings A loan is classified as a troubled debt restructuring ("TDR") when loan terms are modified due to a borrower's financial difficulties and a concession is granted to a borrower that would not have otherwise been considered. Most of the Company’s loan modifications involve a restructuring of loan terms prior to maturity to temporarily reduce the payment amount and/or to require only interest for a temporary period, usually up to six months. These modifications generally do not meet the definition of a TDR because the modifications are considered to be an insignificant delay in payment. The determination of an insignificant delay in payment is evaluated based on the facts and circumstances of the individual borrower(s). The following table presents TDR’s as of March 31, 2016 and December 31, 2015: March 31, 2016 TDR’s on Non-accrual Other TDR’s Total TDR’s Residential real estate $ 50 $ 470 $ 520 Multifamily real estate - 2,193 2,193 Commercial real estate Owner occupied - 610 610 Non owner occupied - 549 549 Commercial and industrial - 405 405 All other 723 - 723 Total $ 773 $ 4,227 $ 5,000 December 31, 2015 TDR’s on Non-accrual Other TDR’s Total TDR’s Residential real estate $ 7 $ 222 $ 229 Multifamily real estate - 2,201 2,201 Commercial real estate Non owner occupied - 454 454 Commercial and industrial - 396 396 All other - 723 723 Total $ 7 $ 3,996 $ 4,003 At March 31, 2016 $151,000 in specific reserves was allocated to loans that had restructured terms. At December 31, 2015 there were no specific reserves allocated to loans that had restructured terms. As of March 31, 2016 and December 31, 2015, there were no commitments to lend additional amounts to these borrowers. The following table presents TDR’s that occurred during the three months ended March 31, 2016 and 2015. Three months ended March 31, 2016 Three months ended March 31, 2015 Loan Class Number of Loans Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Number of Loans Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Residential real estate 2 $ 299 $ 299 - $ - $ - Multifamily real estate - - - 1 1,543 1,543 Commercial real estate - Owner occupied 2 610 610 - - - Non owner occupied 1 100 100 - - - Commercial and industrial 1 20 20 - - - Total 6 $ 1,029 $ 1,029 1 $ 1,543 $ 1,543 The modifications reported above for the three months ended March 31, 2016 involve one borrowing relationship that did not include any permanent reduction of the recorded investment in the loans nor change in the interest rate on the loans. The Company has modified the terms of the loans by extending payment terms and requiring interest only payments during a period of loan rehabilitation. These periods have exceeded normal extension and interest only periods customarily offered by the Company. During the three month ended March 31, 2016, the Company increased the allowance for loan losses by $145,000 related to these loans. The modification of the multifamily residential real estate loan during the three months ended March 31, 2015 did not include a permanent reduction of the recorded investment in the loan and did not increase the allowance for loan losses during the period. The modification included a lengthening of the amortization period and reduction in the stated interest rate, however the maturity date was reduced to the end of a fifteen month forbearance period with a balloon payment due at maturity. The modified loan paid in full during the three months ended June 30, 2015. During the three months ended March 31, 2016 and the three months ended March 31, 2015, there were no TDR’s for which there as a payment default within twelve months following the modification. A loan is considered to be in payment default once it is 90 days contractually past due under the modified terms. Credit Quality Indicators: The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. The Company analyzes non-homogeneous loans, such as commercial, commercial real estate, multifamily residential and commercial purpose loans secured by residential real estate, on a monthly basis. For consumer loans, including consumer loans secured by residential real estate, the analysis involves monitoring the performing status of the loan. At the time such loans become past due by 30 days or more, the Company evaluates the loan to determine if a change in risk category is warranted. 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. 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 to be pass rated loans. As of March 31, 2016, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows: Loan Class Pass Special Mention Substandard Doubtful Total Loans Residential real estate $ 324,652 $ 6,164 $ 9,147 $ 6 $ 339,969 Multifamily real estate 52,858 1,184 2,274 - 56,316 Commercial real estate: Owner occupied 137,121 6,917 5,099 - 149,137 Non-owner occupied 187,493 4,039 5,742 - 197,274 Commercial and industrial 74,363 1,795 1,602 41 77,801 Consumer 31,909 221 653 - 32,783 All other 124,317 6,882 2,164 - 133,363 Total $ 932,713 $ 27,202 $ 26,681 $ 47 $ 986,643 Loans included in totals above acquired from Bankshares $ 123,006 $ 2,361 $ 5,655 $ - $ 131,022 As of December 31, 2015, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows: Loan Class Pass Special Mention Substandard Doubtful Total Loans Residential real estate $ 273,741 $ 5,389 $ 6,689 $ 7 $ 285,826 Multifamily real estate 46,135 2,041 2,276 - 50,452 Commercial real estate: Owner occupied 112,989 3,964 2,312 - 119,265 Non-owner occupied 179,179 2,891 6,848 - 188,918 Commercial and industrial 64,563 2,859 873 44 68,339 Consumer 31,000 269 176 - 31,445 All other 101,839 2,490 1,172 - 105,501 Total $ 809,446 $ 19,903 $ 20,346 $ 51 $ 849,746

STOCKHOLDERS' EQUITY AND REGULA

STOCKHOLDERS' EQUITY AND REGULATORY MATTERS	3 Months Ended
	Mar. 31, 2016
STOCKHOLDERS' EQUITY AND REGULATORY MATTERS [Abstract]
STOCKHOLDERS' EQUITY AND REGULATORY MATTERS	NOTE 4- STOCKHOLDERS’ EQUITY AND REGULATORY MATTERS The Company’s principal source of funds for dividend payments to shareholders is dividends received from the subsidiary Banks. Banking regulations limit the amount of dividends that may be paid without prior approval of regulatory agencies. Under these regulations, the amount of dividends that may be paid in any calendar year is limited to the current year’s net profits, as defined, combined with the retained net profits of the preceding two years, subject to the capital requirements and additional restrictions as discussed below. During 2016 the Banks could, without prior approval, declare dividends to the Company of approximately $1.1 million plus any 2016 net profits retained to the date of the dividend declaration. The Company and the subsidiary Banks are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Banks must meet specific guidelines that involve quantitative measures of their assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. These quantitative measures established by regulation to ensure capital adequacy require the Company and Banks to maintain minimum amounts and ratios (set forth in the following table) of Common Equity Tier 1 Capital, Tier 1 Capital and Total Capital (as defined in the regulations) to risk-weighted assets (as defined), and of Tier 1 Capital (as defined) to average assets (as defined). Management believes, as of March 31, 2016 the Company and the Banks meet all quantitative capital adequacy requirements to which they are subject. Beginning in 2016, a new capital buffer computation is being phased-in over the next three-years as a component of regulatory capital. By maintaining Premier’s regulatory capital ratios in excess of the phased-in capital buffer, the Company will avoid regulatorily imposed limitations on dividends and discretionary bonus payments to management. The capital buffer percentage required in 2016 is an additional 0.625% added to the minimum capital ratios. By maintaining well capitalized ratios, Premier’s subsidiary banks will meet the capital buffer requirement through the end of 2018. Shown below is a summary of regulatory capital ratios for the Company: Mar 31, 2016 December 31, 2015 Regulatory Minimum Requirements To Be Considered Well Capitalized Common Equity Tier 1 Capital (to Risk-Weighted Assets) 13.3 % 13.6 % 4.5 % 6.5 % Tier 1 Capital (to Risk-Weighted Assets) 13.9 % 13.6 % 6.0 % 8.0 % Total Capital (to Risk-Weighted Assets) 14.9 % 14.7 % 8.0 % 10.0 % Tier 1 Capital (to Average Assets) 10.0 % 9.4 % 4.0 % 5.0 % As of March 31, 2016, the most recent notification from each of the Banks’ primary Federal regulators categorized the subsidiary Banks as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, the Banks must maintain minimum Common Equity Tier 1 risk-based, Tier 1 risk-based, Total risk-based and Tier 1 leverage ratios as set forth in the preceding table. There are no conditions or events since that notification that management believes have changed the Banks’ categories.

FEDERAL HOME LOAN BANK ADVANCES

FEDERAL HOME LOAN BANK ADVANCES	3 Months Ended
	Mar. 31, 2016
FEDERAL HOME LOAN BANK ADVANCES [Abstract]
FEDERAL HOME LOAN BANK ADVANCES	NOTE 5 – FEDERAL HOME LOAN BANK ADVANCES As part of the acquisition of Bankshares, the Company assumed five amortizing advances from FHLB-Pittsburgh to First National Bank, its wholly owned subsidiary, totaling $1,261,000 as of the January 15, 2016 acquisition date. The borrowings have stated fixed interest rates ranging from 4.320% to 4.930%, with penalties for prepayment, maturity dates ranging from December 2017 to May 2025, and are collateralized by FHLB stock and qualifying first mortgage loans owned by the Company. The carrying value of the advances include the remaining unamortized fair value adjustments recorded as a result of the acquisition of Bankshares on January 15, 2016. Reported interest expense on the advances includes the periodic accretion of the fair value adjustments. Principal payments on the advances for the next five years are as follows: 2016 $ 200 2017 278 2018 157 2019 145 2020 110 Thereafter 319 Principal amount outstanding at March 31, 2016 $ 1,209 There were no borrowings outstanding at December 31, 2015.

SUBORDINATED DEBENTURES

SUBORDINATED DEBENTURES	3 Months Ended
	Mar. 31, 2016
SUBORDINATED DEBENTURES [Abstract]
SUBORDINATED DEBENTURES	NOTE 6 – SUBORDINATED DEBENTURES As part of the acquisition of Bankshares, the Company formally assumed $6,186,000 of junior subordinated debentures (“Debentures”) issued to FNB Capital Trust One (“Trust”), a statutory business trust formed by Bankshares on February 26, 2004. The Debentures were issued to Trust in exchange for ownership of all of the common equity of Trust and the proceeds of mandatorily redeemable securities sold by Trust to third party investors (“Capital Securities”). Interest on the Debentures is payable quarterly to the Trust at a variable interest rate equal to the three month London Interbank Offered Rate (LIBOR) plus 2.95% updated quarterly. The interest rate on the Debentures was 3.569% at March 31, 2016. The Company is not considered the primary beneficiary of this trust (variable interest entity), therefore Trust is not consolidated in the Company’s financial statements, but rather the Debentures are shown as a liability. The Debentures mature on April 24, 2034; however, the Company may redeem the Debentures, in whole or in part, at 100% of the principal amount plus any accrued and unpaid interest. The Debentures held by Trust are the sole asset of the trust. The Debentures held by Trust may be included in the Tier 1 capital of the Company (with certain limitations applicable) under current regulatory guidelines and interpretations. The carrying value of the Debentures includes the remaining unamortized fair value adjustment recorded as a result of the acquisition of Bankshares on January 15, 2016. Reported interest expense on the Debentures includes the periodic amortization of the fair value adjustment. The Company’s investment in the common stock of the trust is $186,000 and is included in other assets.

STOCK COMPENSATION EXPENSE

STOCK COMPENSATION EXPENSE	3 Months Ended
	Mar. 31, 2016
STOCK COMPENSATION EXPENSE [Abstract]
STOCK COMPENSATION EXPENSE	NOTE 7 – STOCK COMPENSATION EXPENSE From time to time the Company grants stock options to its employees. The Company estimates the fair value of the options at the time they are granted to employees and expenses that fair value over the vesting period of the option grant. On March 16, 2016, 50,900 incentive stock options were granted out of the 2012 Long Term Incentive Plan at an exercise price of $14.90, the closing market price of Premier’s common stock on the grant date. These options vest in three equal annual installments ending on March 16, 2019. On March 18, 2015, 47,650 incentive stock options were granted out of the 2012 Long Term Incentive Plan at an exercise price of $14.72, the closing market price of Premier’s common stock on the grant date. These options vest in three equal annual installments ending on March 18, 2018. On March 16, 2016, 7,000 shares of Premier’s common stock were granted to President and CEO, Robert W. Walker as stock-based bonus compensation under the 2012 Long-term Incentive Plan. The fair value of the stock at the time of the grant was $14.90 per share based upon the closing price of Premier’s stock on the date of grant and $104,000 of stock-based compensation was recorded as a result. On March 18, 2015, 7,000 shares of Premier’s common stock were granted to President and CEO, Robert W. Walker as stock-based bonus compensation under the 2012 Long-term Incentive Plan. The fair value of the stock at the time of the grant was $14.72 per share based upon the closing price of Premier’s stock on the date of grant and $103,000 of stock-based compensation was recorded as a result. Compensation expense of $120,000 was recorded for the first three months of 2016 while $139,000 was recorded for the first three months of 2015, including the compensation expense related to the stock grants to Mr. Walker. Stock-based compensation expense related to incentive stock option grants is recognized ratably over the requisite vesting period for all awards. Unrecognized stock-based compensation expense related to stock options totaled $100,000 at March 31, 2016. This unrecognized expense is expected to be recognized over the next 35 months based on the vesting periods of the options.

EARNINGS PER SHARE

EARNINGS PER SHARE	3 Months Ended
	Mar. 31, 2016
EARNINGS PER SHARE [Abstract]
EARNINGS PER SHARE	NOTE 8 – EARNINGS PER SHARE A reconciliation of the numerators and denominators of the earnings per common share and earnings per common share assuming dilution computations for the three months ended March 31, 2016 and 2015 is presented below: Three Months Ended March 31, 2016 2015 Basic earnings per share Income available to common stockholders $ 2,979 $ 3,142 Weighted average common shares outstanding 9,374,312 8,143,326 Earnings per share $ 0.32 $ 0.39 Diluted earnings per share Income available to common stockholders $ 2,979 $ 3,142 Weighted average common shares outstanding 9,374,312 8,143,326 Add dilutive effects of potential additional common stock 60,883 488,900 Weighted average common and dilutive potential common shares outstanding 9,435,195 8,632,226 Earnings per share assuming dilution $ 0.32 $ 0.36 Stock options for 20,000 and 23,500 shares of common stock were not considered in computing diluted earnings per share for the three months ended March 31, 2016 and 2015 because they were antidilutive.

FAIR VALUE

FAIR VALUE	3 Months Ended
	Mar. 31, 2016
FAIR VALUE [Abstract]
FAIR VALUE	NOTE 9 – FAIR VALUE Fair value is 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. There are three levels of inputs that may be used to measure fair value: Level 1: Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date. Level 2: Significant other 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. Level 3: Significant unobservable inputs that reflect a company’s own assumptions about the assumptions that market participants would use in pricing an asset or liability. When possible, the Company looks to active and observable markets to price identical assets or liabilities. When identical assets and liabilities are not traded in active markets, the Company looks to observable market data for similar assets and liabilities. However, certain assets and liabilities are not traded in observable markets and the Company must use other valuation methods to develop a fair value. Carrying amount is the estimated fair value for cash and due from banks, Federal funds sold, accrued interest receivable and payable, demand deposits, short-term debt, and variable rate loans or deposits that reprice frequently and fully. It was not practicable to determine the fair value of Federal Home Loan Bank stock due to the restrictions placed on its transferability. For fixed rate loans or deposits and for variable rate loans or deposits with infrequent repricing or repricing limits, fair value is based on discounted cash flows using current market rates applied to the estimated life and credit risk. Fair values for impaired loans are estimated using discounted cash flow analysis or underlying collateral values. Fair value of debt is based on current rates for similar financing. The fair value of commitments to extend credit and standby letters of credit is not material. The Company used the following methods and significant assumptions to estimate the fair value of each type of financial instrument measured on a recurring basis: Investment Securities: The fair values for investment securities are determined by quoted market prices, if available (Level 1). For securities where quoted prices are not available, fair values are calculated based on market prices of similar securities (Level 2). For securities where quoted prices or market prices of similar securities are not available, fair values are calculated using discounted cash flows or other market indicators (Level 3). The carrying amounts and estimated fair values of financial instruments at March 31, 2016 were as follows: Fair Value Measurements at March 31, 2016 Using Carrying Amount Level 1 Level 2 Level 3 Total Financial assets Cash and due from banks $ 116,479 $ 116,479 $ - $ - $ 116,479 Federal funds sold 8,052 8,052 - - 8,052 Securities available for sale 315,698 - 315,698 - 315,698 Loans, net 976,728 - - 976,296 976,296 Federal Home Loan Bank stock 3,267 n/ a n/ a n/ a n/ a Interest receivable 3,715 13 994 2,708 3,715 Financial liabilities Deposits $ (1,284,176 ) $ (907,270 ) $ (375,088 ) $ - $ (1,282,358 ) Securities sold under agreements to repurchase (24,533 ) - (24,533 ) - (24,533 ) FHLB advances (1,289 ) - (1,300 ) - (1,300 ) Other borrowed funds (10,684 ) - (10,841 ) - (10,841 ) Subordinated debt (5,313 ) - (5,313 ) - (5,313 ) Interest payable (371 ) (7 ) (364 ) - (371 ) The carrying amounts and estimated fair values of financial instruments at December 31, 2015 were as follows: Fair Value Measurements at December 31, 2015 Using Carrying Amount Level 1 Level 2 Level 3 Total Financial assets Cash and due from banks $ 66,704 $ 66,704 $ - $ - $ 66,704 Federal funds sold 5,835 5,835 - - 5,835 Securities available for sale 255,466 - 255,466 - 255,466 Loans, net 840,099 - - 838,867 838,867 Federal Home Loan Bank stock 3,072 n/ a n/ a n/ a n/ a Interest receivable 3,162 - 633 2,529 3,162 Financial liabilities Deposits $ (1,060,196 ) $ (726,018 ) $ (331,747 ) $ - $ (1,057,765 ) Securities sold under agreements to repurchase (21,694 ) - (21,694 ) - (21,694 ) Other borrowed funds (11,292 ) - (11,318 ) - (11,318 ) Interest payable (321 ) (6 ) (315 ) - (321 ) Assets and Liabilities Measured on a Recurring Basis Assets and liabilities measured at fair value on a recurring basis are summarized below: Fair Value Measurements at March 31, 2016 Using: Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Available for sale Mortgage-backed securities U. S. agency MBS - residential $ 162,734 $ - $ 162,734 $ - U. S. agency CMO’s - residential 99,211 - 99,211 - Total mortgage-backed securities of government sponsored agencies 261,945 - 261,945 - U. S. government sponsored agency securities 31,390 - 31,390 - Obligations of states and political subdivisions 22,363 - 22,363 - Total available for sale $ 315,698 $ - $ 315,698 $ - Fair Value Measurements at December 31, 2015 Using: Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Available for sale Mortgage-backed securities U. S. agency MBS - residential $ 132,347 $ - $ 132,347 $ - U. S. agency CMO’s 105,122 - 105,122 - Total mortgage-backed securities of government sponsored agencies 237,469 - 237,469 - U. S. government sponsored agency securities 10,429 - 10,429 - Obligations of states and political subdivisions 7,568 - 7,568 - Total securities available for sale $ 255,466 $ - $ 255,466 $ - There were no transfers between Level 1 and Level 2 during 2016 or 2015. Assets and Liabilities Measured on a Non-Recurring Basis The Company used the following methods and significant assumptions to estimate the fair value of each type of financial instrument measured on a non-recurring basis: Impaired Loans: The fair value of impaired loans with specific allocations of the allowance for loan losses is generally based on recent collateral appraisals. Real estate appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the appraisers to adjust for differences between the comparable sales and income data available. Such adjustments are typically significant and unique to each property and result in a Level 3 classification of the inputs for determining fair value. Non-real estate collateral may be valued using an appraisal, net book value per the borrower’s financial statements, or aging reports. Management periodically evaluates the appraised collateral values and will discount the collateral’s appraised value to account for a number of factors including but not limited to the cost of liquidating the collateral, the age of the appraisal, observable deterioration since the appraisal, management’s expertise and knowledge of the client and client’s business, or other factors unique to the collateral. To the extent an adjusted collateral value is lower than the carrying value of an impaired loan, a specific allocation of the allowance for loan losses is assigned to the loan. Other real estate owned (OREO): The fair value of OREO is based on appraisals less cost to sell at the date of foreclosure. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the appraisers to adjust for differences between the comparable sales and income data available. Such adjustments are typically significant and result in a Level 3 classification of the inputs for determining fair value. Management periodically evaluates the appraised values and will discount a property’s appraised value to account for a number of factors including but not limited to the cost of liquidating the collateral, the age of the appraisal, observable deterioration since the appraisal, or other factors unique to the property. To the extent an adjusted appraised value is lower than the carrying value of an OREO property, a direct charge to earnings is recorded as an OREO writedown. Assets and liabilities measured at fair value on a non-recurring basis at March 31, 2016 are summarized below: Fair Value Measurements at March 31, 2016 Using Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets: Impaired loans: Commercial real estate Owner occupied $ 309 $ - $ - $ 309 Non-owner occupied 405 - - 405 Total impaired loans $ 714 $ - $ - $ 714 Other real estate owned: Residential real estate $ 608 $ - $ - $ 608 Commercial real estate Owner occupied 259 - - 259 Non-owner occupied 2,253 - - 2,253 All other 4,898 - - 4,898 Total OREO $ 8,018 $ - $ - $ 8,018 Impaired loans, which are measured for impairment using the fair value of the collateral for collateral dependent loans, had a carrying amount of $1,293,000 at March 31, 2016 with a valuation allowance of $398,000 and a carrying amount of $690,000 at December 31, 2015 with a valuation allowance of $299,000 resulting in a provision for loan losses of $99,000 for the three months ended March 31, 2016, compared to a $9,000 in provision for loan losses for the three months ended March 31, 2015. The detail of impaired loans by loan class is contained in Note 3 above. Other real estate owned measured at fair value less costs to sell, had a net carrying amount of $8,018,000 which is made up of the outstanding balance of $10,758,000 net of a valuation allowance of $2,740,000 at March 31, 2016. There were no write downs during the three months ended March 31, 2015, and $50,000 of write downs during the three months ended March 31, 2015. At December 31, 2015, other real estate owned had a net carrying amount of $8,059,000, made up of the outstanding balance of $10,825,000, net of a valuation allowance of $2,766,000. The significant unobservable inputs related to assets and liabilities measured at fair value on a non-recurring basis at March 31, 2016 are summarized below: March 31, 2016 Valuation Techniques Unobservable Inputs Range (Weighted Avg) Impaired loans: Commercial real estate Owner occupied $ 309 sales comparison adjustment for limited salability of specialized property 44.8%-76.3% (72.9%) Non-owner occupied 405 sales comparison adjustment for limited salability of specialized property 8.0%-8.0% (8.0%) Total impaired loans $ 714 Other real estate owned: Residential real estate $ 608 sales comparison adjustment for differences between the comparable sales 0.7%-31.6% (24.7%) Commercial real estate Owner occupied 259 sales comparison adjustment for differences between the comparable sales 25.4%-41.3% (38.8%) Non-owner occupied 2,253 sales comparison adjustment for differences between the comparable sales 21.9%-23.4% (23.1%) All other 4,898 sales comparison adjustment for estimated realizable value 18.9%-46.6% (27.5%) Total OREO $ 8,018 Assets and liabilities measured at fair value on a non-recurring basis at December 31, 2015 are summarized below: Fair Value Measurements at December 31, 2015 Using Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets: Impaired loans: Commercial real estate Owner occupied $ 133 $ - $ - $ 133 Non-owner occupied 258 - - 258 Total impaired loans $ 391 $ - $ - $ 391 Other real estate owned: Residential real estate $ 648 $ - $ - $ 648 Commercial real estate Owner occupied 260 - - 260 Non-owner occupied 2,253 - - 2,253 All other 4,898 - - 4,898 Total OREO $ 8,059 $ - $ - $ 8,059 The significant unobservable inputs related to assets and liabilities measured at fair value on a non-recurring basis at December 31, 2015 are summarized below: December 31, 2015 Valuation Techniques Unobservable Inputs Range (Weighted Avg) Impaired loans: Commercial real estate Owner occupied $ 133 sales comparison adjustment for limited salability of specialized property 60.7%-72.4% (66.3%) Non-owner occupied 258 sales comparison adjustment for differences between the comparable sales 8.0%-8.0% (8.0%) Total impaired loans $ 391 Other real estate owned: Residential real estate $ 648 sales comparison adjustment for differences between the comparable sales 0.7%-31.6% (24.7%) Commercial real estate Owner occupied 260 sales comparison adjustment for differences between the comparable sales 25.4%-41.3% (38.8%) Non-owner occupied 2,253 sales comparison adjustment for differences between the comparable sales 21.9%-23.4% (23.1%) All other 4,898 sales comparison adjustment for estimated realizable value 18.9%-46.6% (27.5%) Total OREO $ 8,059

ACQUISITION OF FIRST NATIONAL B

ACQUISITION OF FIRST NATIONAL BANKSHARES CORPORATION	3 Months Ended
	Mar. 31, 2016
ACQUISITION OF FIRST NATIONAL BANKSHARES CORPORATION [Abstract]
ACQUISITION OF FIRST NATIONAL BANKSHARES CORPORATION	NOTE 10 – ACQUISITION OF FIRST NATIONAL BANKSHARES CORPORATION Effective at the close of business on January 15, 2016, Premier completed its purchase of First National Bankshares Corporation (“Bankshares”), a $237.5 million single bank holding company headquartered in Ronceverte, West Virginia. Under terms of an agreement of merger dated July 6, 2015, Premier issued 1.69 shares of its common stock for each share of Bankshares for a total of 1.4 million shares and an acquisition value of approximately $22.0 million. Based on the initial preliminary valuation of the fair value of tangible and intangible assets acquired and liabilities assumed the purchase price resulted in approximately $3.32 million in goodwill and $1.85 million in core deposit intangible, none of which is deductible for tax purposes. The core deposit intangible will be amortized using an accelerated method. The following table presents estimated amortization of the Bankshares core deposit intangible for each of the next five years. 2016 $ 319 2017 288 2018 234 2019 202 2020 199 Thereafter 613 Total core deposit intangible acquired $ 1,855 The valuations of loans, premises and equipment and core deposit intangible are still preliminary and subject to change. United States generally accepted accounting principles (“U.S. GAAP”) provides up to twelve months following the date of acquisition in which management can finalize the fair values of acquired assets and assumed liabilities. Material events that occur during the measurement period will be analyzed to determine if the new information reflected facts and circumstances that existed on the acquisition date. The measurement period ends as soon as the Company receives the information it was seeking about facts and circumstances that existed as of the acquisition date or learns more information is unobtainable. The measurement period is limited to one year from the acquisition date. Once management has finalized the fair values of acquired assets and assumed liabilities within this twelve month period, management considers such values to be the “Day One Fair Values.” Based on management’s preliminary valuation of the fair value of tangible and intangible assets acquired and liabilities assumed, the purchase price for the Bankshares acquisition is allocated in the table below. Net assets acquired via the acquisition are shown in the table below. First National Bankshares Cash and due from banks $ 16,385 Securities available for sale 76,612 Loans, net 132,954 Premises and equipment 4,606 Goodwill and other intangible assets 5,176 Other assets 1,764 Total assets acquired 237,497 Deposits (205,174 ) Repurchase agreements (2,168 ) FHLB borrowings (1,347 ) Subordinated debt (5,307 ) Other liabilities (1,460 ) Total liabilities assumed (215,456 ) Net assets acquired $ 22,041 The fair value of net assets acquired includes fair value adjustments to certain receivables that were not considered impaired as of the acquisition date. The fair value adjustments were determined using discounted contractual cash flows. However, the Company believes that all contractual cash flows related to these non-impaired financial instruments will be collected. As such, these receivables were not considered impaired at the acquisition date and were not subject to the accounting guidance relating to purchase credit impaired loans, which have shown evidence of credit deterioration since origination. The non-impaired loans excluded from the purchase credit impairment guidance were recorded at an estimated fair value of $125,433,000 and had gross contractual amounts receivable of $127,347,000 on the date of acquisition.

BASIS OF PRESENTATION (Policies

BASIS OF PRESENTATION (Policies)	3 Months Ended
	Mar. 31, 2016
BASIS OF PRESENTATION [Abstract]
Recently Issued Accounting Pronouncements	Recently Issued Accounting Pronouncements In May 2014, FASB issued Accounting Standards Update 2014-09, Revenue from Contracts with Customers (Topic 606) In January 2016, the FASB issued ASU No. 2016-01, Financial Instruments—Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities. In February 2016, the FASB issued ASU No. 2016-02, Leases (Topic 842). In March 2016, the FASB issued ASU No. 2016-09, Compensation-Stock Compensation: Improvements to Employee Share-Based Payment Accounting

BASIS OF PRESENTATION (Tables)

BASIS OF PRESENTATION (Tables)	3 Months Ended
	Mar. 31, 2016
BASIS OF PRESENTATION [Abstract]
Accounts of the Company and its Wholly Owned Subsidiaries	The consolidated financial statements include the accounts of Premier Financial Bancorp, Inc. (the Company) and its wholly owned subsidiaries (the “Banks”): March 31, 2016 Year Total Net Income Subsidiary Location Acquired Assets Qtr Citizens Deposit Bank & Trust Vanceburg, Kentucky 1991 $ 393,226 $ 1,074 Premier Bank, Inc. Huntington, West Virginia 1998 1,103,194 2,422 Parent and Intercompany Eliminations 7,062 (517 ) Consolidated Total $ 1,503,482 $ 2,979

SECURITIES (Tables)

SECURITIES (Tables)	3 Months Ended
	Mar. 31, 2016
SECURITIES [Abstract]
Amortized Cost and Fair Value of Investment Securities, by Category	Amortized cost and fair value of investment securities, by category, at March 31, 2016 are summarized as follows: 2016 Amortized Cost Unrealized Gains Unrealized Losses Fair Value Available for sale Mortgage-backed securities U. S. sponsored agency MBS - residential $ 161,274 $ 1,512 $ (52 ) $ 162,734 U. S. sponsored agency CMO’s - residential 97,904 1,634 (327 ) 99,211 Total mortgage-backed securities of government sponsored agencies 259,178 3,146 (379 ) 261,945 U. S. government sponsored agency securities 31,311 87 (8 ) 31,390 Obligations of states and political subdivisions 22,121 264 (22 ) 22,363 Total available for sale $ 312,610 $ 3,497 $ (409 ) $ 315,698 Amortized cost and fair value of investment securities, by category, at December 31, 2015 are summarized as follows: 2015 Amortized Cost Unrealized Gains Unrealized Losses Fair Value Available for sale Mortgage-backed securities U. S. sponsored agency MBS - residential $ 132,661 $ 540 $ (854 ) $ 132,347 U. S. sponsored agency CMO’s - residential 104,530 1,330 (738 ) 105,122 Total mortgage-backed securities of government sponsored agencies 237,191 1,870 (1,592 ) 237,469 U. S. government sponsored agency securities 10,401 29 (1 ) 10,429 Obligations of states and political subdivisions 7,387 184 (3 ) 7,568 Total available for sale $ 254,979 $ 2,083 $ (1,596 ) $ 255,466
Amortized Cost and Fair Value of Securities by Contractual Maturity	The amortized cost and fair value of securities at March 31, 2016 by contractual maturity are shown below. Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. Amortized Cost Fair Value Available for sale Due in one year or less $ 5,689 $ 5,698 Due after one year through five years 38,141 38,319 Due after five years through ten years 8,447 8,576 Due after ten years 1,155 1,160 Mortgage-backed securities of government sponsored agencies 259,178 261,945 Total available for sale $ 312,610 $ 315,698
Securities in Continuous Unrealized Loss Position	Securities with unrealized losses at March 31, 2016 aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position are as follows: Less than 12 Months 12 Months or More Total Description of Securities Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss U.S government sponsored agency securities $ 5,335 $ (8 ) $ - $ - $ 5,335 $ (8 ) U.S government sponsored agency MBS – residential 27,723 (52 ) - - 27,723 (52 ) U.S government sponsored agency CMO – residential 5,419 (33 ) 17,249 (294 ) 22,668 (327 ) Obligations of states and political subdivisions 5,496 (22 ) - - 5,496 (22 ) Total temporarily impaired $ 43,973 $ (115 ) $ 17,249 $ (294 ) $ 61,222 $ (409 ) Securities with unrealized losses at December 31, 2015 aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position are as follows: Less than 12 Months 12 Months or More Total Description of Securities Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss U.S government sponsored agency securities $ 2,016 $ (1 ) $ - $ - $ 2,016 $ (1 ) U.S government sponsored agency MBS – residential 94,311 (854 ) - - 94,311 (854 ) U.S government sponsored agency CMO’s – residential 11,604 (161 ) 19,755 (577 ) 31,359 (738 ) Obligations of states and political subdivisions 571 (3 ) - - 571 (3 ) Total temporarily impaired $ 108,502 $ (1,019 ) $ 19,755 $ (577 ) $ 128,257 $ (1,596 )

LOANS (Tables)

LOANS (Tables)	3 Months Ended
	Mar. 31, 2016
LOANS [Abstract]
Major Classifications of Loans	Major classifications of loans at March 31, 2016 and December 31, 2015 are summarized as follows: 2016 2015 Residential real estate $ 339,969 $ 285,826 Multifamily real estate 56,316 50,452 Commercial real estate: Owner occupied 149,137 119,265 Non owner occupied 197,274 188,918 Commercial and industrial 77,801 68,339 Consumer 32,783 31,445 All other 133,363 105,501 $ 986,643 $ 849,746
Major Classifications of Loans Acquired	The carrying amount of those loans is as follows at March 31, 2016 and December 31, 2015. 2016 2015 Residential real estate $ 2,189 $ - Commercial real estate Owner occupied 2,466 131 Non owner occupied 5,511 5,549 Commercial and industrial 385 80 All other 2,430 - Total carrying amount $ 12,981 $ 5,760 Contractual principal balance $ 17,102 $ 7,251 Carrying amount, net of allowance $ 12,916 $ 5,680
Activity in the Allowance for Loan Losses by Portfolio Segment	Activity in the allowance for loan losses by portfolio segment for the three months ended March 31, 2016 was as follows: Loan Class Balance Dec 31, 2015 Provision (credit) or loan losses Loans charged-off Recoveries Balance March 31, 2016 Residential real estate $ 2,501 $ 78 $ 49 $ 9 $ 2,539 Multifamily real estate 821 (76 ) - - 745 Commercial real estate: Owner occupied 1,509 21 - 1 1,531 Non owner occupied 2,070 267 - - 2,337 Commercial and industrial 1,033 (136 ) - 36 933 Consumer 307 (11 ) 44 36 288 All other 1,406 169 60 27 1,542 Total $ 9,647 $ 312 $ 153 $ 109 $ 9,915 Activity in the allowance for loan losses by portfolio segment for the three months ended March 31, 2015 was as follows: Loan Class Balance Dec 31, 2014 Provision (credit) for loan losses Loans charged-off Recoveries Balance March 31, 2015 Residential real estate $ 2,093 $ 154 $ 74 $ 23 $ 2,196 Multifamily real estate 304 (17 ) - - 287 Commercial real estate: Owner occupied 1,501 (11 ) 2 1 1,489 Non owner occupied 2,316 8 - - 2,324 Commercial and industrial 1,444 165 161 2 1,450 Consumer 243 18 54 34 241 All other 2,446 (248 ) 59 44 2,183 Total $ 10,347 $ 69 $ 350 $ 104 $ 10,170
Purchased Loans	The carrying amount of those loans is as follows at March 31, 2016 and December 31, 2015. 2016 2015 Residential real estate $ 2,189 $ - Commercial real estate Owner occupied 2,466 131 Non owner occupied 5,511 5,549 Commercial and industrial 385 80 All other 2,430 - Total carrying amount $ 12,981 $ 5,760 Contractual principal balance $ 17,102 $ 7,251 Carrying amount, net of allowance $ 12,916 $ 5,680
Purchase Loans Accretable Yield, or Income Expected to be Collected	The accretable yield, or income expected to be collected, on the purchased loans above is as follows at March 31, 2016 and March 31, 2015. 2016 2015 Balance at January 1 $ 185 $ 204 New loans purchased 1,506 - Accretion of income (40 ) (5 ) Reclassifications from non-accretable difference - - Disposals - - Balance at March 31 $ 1,651 $ 199
Past Due and Non-performing Loans	The following tables present the recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans as of March 31, 2016 and December 31 2015. The recorded investment in non-accrual loans is less than the principal owed on non-accrual loans due to discounts applied to the carrying value of the loan at time of their acquisition and interest payments made by the borrower which have been used to reduce the recorded investment in the loan rather than recognized as interest income. March 31, 2016 Principal Owed on Non-accrual Loans Recorded Investment in Non-accrual Loans Loans Past Due Over 90 Days, still accruing Residential real estate $ 2,581 $ 2,260 $ 1,166 Multifamily real estate 422 81 306 Commercial real estate Owner occupied 1,356 1,317 166 Non owner occupied 2,104 1,997 - Commercial and industrial 2,291 1,174 382 Consumer 300 275 - All other 1,057 996 - Total $ 10,111 $ 8,100 $ 2,020 Loans included in totals above acquired from Bankshares $ - $ - $ 1,219 December 31, 2015 Principal Owed on Non-accrual Loans Recorded Investment in Non-accrual Loans Loans Past Due Over 90 Days, still accruing Residential real estate $ 2,367 $ 2,091 $ 867 Multifamily real estate 416 75 - Commercial real estate Owner occupied 791 773 558 Non owner occupied 3,732 3,400 - Commercial and industrial 1,460 337 870 Consumer 257 234 - All other 287 231 737 Total $ 9,310 $ 7,141 $ 3,032
Aging of Recorded Investment in Past Due Loans by Loan Class	The following table presents the aging of the recorded investment in past due loans as of March 31, 2016 by class of loans: Loan Class Total Loans 30-89 Days Past Due Greater than 90 days past due Total Past Due Loans Not Past Due Residential real estate $ 339,969 $ 4,836 $ 2,006 $ 6,842 $ 333,127 Multifamily real estate 56,316 1,101 387 1,488 54,828 Commercial real estate: Owner occupied 149,137 1,356 1,265 2,621 146,516 Non owner occupied 197,274 1,383 1,969 3,352 193,922 Commercial and industrial 77,801 353 1,374 1,727 76,074 Consumer 32,783 292 105 397 32,386 All other 133,363 3,303 974 4,277 129,086 Total $ 986,643 $ 12,624 $ 8,080 $ 20,704 $ 965,939 Loans included in totals above acquired from Bankshares $ 131,022 $ 788 $ 1,219 $ 2,007 $ 129,015 The following table presents the aging of the recorded investment in past due loans as of December 31, 2015 by class of loans: Loan Class Total Loans 30-89 Days Past Due Greater than 90 days past due Total Past Due Loans Not Past Due Residential real estate $ 285,826 $ 6,298 $ 1,681 $ 7,979 $ 277,847 Multifamily real estate 50,452 1,415 75 1,490 48,962 Commercial real estate: Owner occupied 119,265 1,354 1,195 2,549 116,716 Non owner occupied 188,918 2,481 3,400 5,881 183,037 Commercial and industrial 68,339 220 1,064 1,284 67,055 Consumer 31,445 288 101 389 31,056 All other 105,501 3,157 935 4,092 101,409 Total $ 849,746 $ 15,213 $ 8,451 $ 23,664 $ 826,082
Allowance for Loan Losses and Recorded Investment in Loans by Portfolio Segment Based on Impairment Method	The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of March 31, 2016: Allowance for Loan Losses Loan Balances Loan Class Individually Evaluated for Impairment Collectively Evaluated for Impairment Acquired with Deteriorated Credit Quality Total Individually Evaluated for Impairment Collectively Evaluated for Impairment Acquired with Deteriorated Credit Quality Total Residential real estate $ 6 $ 2,533 $ - $ 2,539 $ 541 $ 337,239 $ 2,189 $ 339,969 Multifamily real estate - 745 - 745 1,058 55,258 - 56,316 Commercial real estate: Owner occupied 52 1,479 - 1,531 438 146,233 2,466 149,137 Non-owner occupied 125 2,212 - 2,337 5,281 186,482 5,511 197,274 Commercial and industrial 150 718 65 933 311 77,105 385 77,801 Consumer - 288 - 288 - 32,783 - 32,783 All other - 1,542 - 1,542 750 130,183 2,430 133,363 Total $ 333 $ 9,517 $ 65 $ 9,915 $ 8,379 $ 965,283 $ 12,981 $ 986,643 The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of December 31, 2015: Allowance for Loan Losses Loan Balances Loan Class Individually Evaluated for Impairment Collectively Evaluated for Impairment Acquired with Deteriorated Credit Quality Total Individually Evaluated for Impairment Collectively Evaluated for Impairment Acquired with Deteriorated Credit Quality Total Residential real estate $ - $ 2,501 $ - $ 2,501 $ 575 $ 285,251 $ - $ 285,826 Multifamily real estate - 821 - 821 75 50,377 - 50,452 Commercial real estate: Owner occupied 44 1,465 - 1,509 446 118,688 131 119,265 Non-owner occupied 22 2,048 - 2,070 6,502 176,867 5,549 188,918 Commercial and industrial 153 800 80 1,033 544 67,715 80 68,339 Consumer - 307 - 307 - 31,445 - 31,445 All other - 1,406 - 1,406 750 104,751 - 105,501 Total $ 219 $ 9,348 $ 80 $ 9,647 $ 8,892 $ 835,094 $ 5,760 $ 849,746
Loans Individually Evaluated for Impairment by Class of Loans	The following table presents loans individually evaluated for impairment by class of loans as of March 31, 2016. The table includes $65 of loans acquired with deteriorated credit quality that are still individually evaluated for impairment. Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated With no related allowance recorded: Residential real estate $ 544 $ 535 $ - Multifamily real estate 1,399 1,058 - Commercial real estate Owner occupied 82 76 - Non owner occupied 4,677 4,571 - Commercial and industrial 907 161 - All other 805 750 - 8,414 7,151 - With an allowance recorded: Residential real estate 43 6 6 Commercial real estate Owner occupied 364 362 52 Non-owner occupied 710 710 125 Commercial and industrial 518 215 215 1,635 1,293 398 Total $ 10,049 $ 8,444 $ 398 The following table presents loans individually evaluated for impairment by class of loans as of December 31, 2015. The table includes $80 of loans acquired with deteriorated credit quality that are still individually evaluated for impairment. Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated With no related allowance recorded: Residential real estate $ 636 $ 575 $ - Multifamily real estate 416 75 - Commercial real estate Owner occupied 276 269 - Non owner occupied 6,554 6,222 - Commercial and industrial 1,160 391 - All other 805 750 - 9,847 8,282 - With an allowance recorded: Commercial real estate Owner occupied $ 177 $ 177 $ 44 Non owner occupied 280 280 22 Commercial and industrial 528 233 233 985 690 299 Total $ 10,832 $ 8,972 $ 299
The Average Balance of Loans Individually Evaluated for Impairment and Interest Income Recognized	The following table presents the average balance of loans individually evaluated for impairment and interest income recognized on these loans for the three months ended March 31, 2016 and March 31, 2015. The table includes loans acquired with deteriorated credit quality that are still individually evaluated for impairment. Three months ended March 31, 2016 Three months ended March 31, 2015 Loan Class Average Recorded Investment Interest Income Recognized Cash Basis Interest Recognized Average Recorded Investment Interest Income Recognized Cash Basis Interest Recognized Residential real estate $ 558 $ 5 $ 4 $ 135 $ 1 $ 1 Multifamily real estate 566 13 12 1,796 - - Commercial real estate: Owner occupied 441 - - 1,457 9 8 Non-owner occupied 5,892 50 41 4,800 48 48 Commercial and industrial 500 3 3 987 4 4 All other 750 - - 6,195 16 11 Total $ 8,707 $ 71 $ 60 $ 15,370 $ 78 $ 72
Troubled Debt Restructurings	The following table presents TDR’s as of March 31, 2016 and December 31, 2015: March 31, 2016 TDR’s on Non-accrual Other TDR’s Total TDR’s Residential real estate $ 50 $ 470 $ 520 Multifamily real estate - 2,193 2,193 Commercial real estate Owner occupied - 610 610 Non owner occupied - 549 549 Commercial and industrial - 405 405 All other 723 - 723 Total $ 773 $ 4,227 $ 5,000 December 31, 2015 TDR’s on Non-accrual Other TDR’s Total TDR’s Residential real estate $ 7 $ 222 $ 229 Multifamily real estate - 2,201 2,201 Commercial real estate Non owner occupied - 454 454 Commercial and industrial - 396 396 All other - 723 723 Total $ 7 $ 3,996 $ 4,003
Troubled Debt Restructuring During the Period	The following table presents TDR’s that occurred during the three months ended March 31, 2016 and 2015. Three months ended March 31, 2016 Three months ended March 31, 2015 Loan Class Number of Loans Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Number of Loans Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Residential real estate 2 $ 299 $ 299 - $ - $ - Multifamily real estate - - - 1 1,543 1,543 Commercial real estate - Owner occupied 2 610 610 - - - Non owner occupied 1 100 100 - - - Commercial and industrial 1 20 20 - - - Total 6 $ 1,029 $ 1,029 1 $ 1,543 $ 1,543
Risk Category of Loans by Class of Loans	As of March 31, 2016, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows: Loan Class Pass Special Mention Substandard Doubtful Total Loans Residential real estate $ 324,652 $ 6,164 $ 9,147 $ 6 $ 339,969 Multifamily real estate 52,858 1,184 2,274 - 56,316 Commercial real estate: Owner occupied 137,121 6,917 5,099 - 149,137 Non-owner occupied 187,493 4,039 5,742 - 197,274 Commercial and industrial 74,363 1,795 1,602 41 77,801 Consumer 31,909 221 653 - 32,783 All other 124,317 6,882 2,164 - 133,363 Total $ 932,713 $ 27,202 $ 26,681 $ 47 $ 986,643 Loans included in totals above acquired from Bankshares $ 123,006 $ 2,361 $ 5,655 $ - $ 131,022 As of December 31, 2015, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows: Loan Class Pass Special Mention Substandard Doubtful Total Loans Residential real estate $ 273,741 $ 5,389 $ 6,689 $ 7 $ 285,826 Multifamily real estate 46,135 2,041 2,276 - 50,452 Commercial real estate: Owner occupied 112,989 3,964 2,312 - 119,265 Non-owner occupied 179,179 2,891 6,848 - 188,918 Commercial and industrial 64,563 2,859 873 44 68,339 Consumer 31,000 269 176 - 31,445 All other 101,839 2,490 1,172 - 105,501 Total $ 809,446 $ 19,903 $ 20,346 $ 51 $ 849,746

STOCKHOLDERS' EQUITY AND REGU23

STOCKHOLDERS' EQUITY AND REGULATORY MATTERS (Tables)	3 Months Ended
	Mar. 31, 2016
STOCKHOLDERS' EQUITY AND REGULATORY MATTERS [Abstract]
Summary of Regulatory Capital Ratios	Shown below is a summary of regulatory capital ratios for the Company: Mar 31, 2016 December 31, 2015 Regulatory Minimum Requirements To Be Considered Well Capitalized Common Equity Tier 1 Capital (to Risk-Weighted Assets) 13.3 % 13.6 % 4.5 % 6.5 % Tier 1 Capital (to Risk-Weighted Assets) 13.9 % 13.6 % 6.0 % 8.0 % Total Capital (to Risk-Weighted Assets) 14.9 % 14.7 % 8.0 % 10.0 % Tier 1 Capital (to Average Assets) 10.0 % 9.4 % 4.0 % 5.0 %

FEDERAL HOME LOAN BANK ADVANC24

FEDERAL HOME LOAN BANK ADVANCES (Tables)	3 Months Ended
	Mar. 31, 2016
FEDERAL HOME LOAN BANK ADVANCES [Abstract]
Principal Payments on FHLB Advances	Principal payments on the advances for the next five years are as follows: 2016 $ 200 2017 278 2018 157 2019 145 2020 110 Thereafter 319 Principal amount outstanding at March 31, 2016 $ 1,209

EARNINGS PER SHARE (Tables)

EARNINGS PER SHARE (Tables)	3 Months Ended
	Mar. 31, 2016
EARNINGS PER SHARE [Abstract]
Reconciliation of Numerators and Denominators of the Earnings Per Share	A reconciliation of the numerators and denominators of the earnings per common share and earnings per common share assuming dilution computations for the three months ended March 31, 2016 and 2015 is presented below: Three Months Ended March 31, 2016 2015 Basic earnings per share Income available to common stockholders $ 2,979 $ 3,142 Weighted average common shares outstanding 9,374,312 8,143,326 Earnings per share $ 0.32 $ 0.39 Diluted earnings per share Income available to common stockholders $ 2,979 $ 3,142 Weighted average common shares outstanding 9,374,312 8,143,326 Add dilutive effects of potential additional common stock 60,883 488,900 Weighted average common and dilutive potential common shares outstanding 9,435,195 8,632,226 Earnings per share assuming dilution $ 0.32 $ 0.36

FAIR VALUE (Tables)

FAIR VALUE (Tables)	3 Months Ended
	Mar. 31, 2016
FAIR VALUE [Abstract]
Carrying Amounts and Estimated Fair Values of Financial Instruments	The carrying amounts and estimated fair values of financial instruments at March 31, 2016 were as follows: Fair Value Measurements at March 31, 2016 Using Carrying Amount Level 1 Level 2 Level 3 Total Financial assets Cash and due from banks $ 116,479 $ 116,479 $ - $ - $ 116,479 Federal funds sold 8,052 8,052 - - 8,052 Securities available for sale 315,698 - 315,698 - 315,698 Loans, net 976,728 - - 976,296 976,296 Federal Home Loan Bank stock 3,267 n/ a n/ a n/ a n/ a Interest receivable 3,715 13 994 2,708 3,715 Financial liabilities Deposits $ (1,284,176 ) $ (907,270 ) $ (375,088 ) $ - $ (1,282,358 ) Securities sold under agreements to repurchase (24,533 ) - (24,533 ) - (24,533 ) FHLB advances (1,289 ) - (1,300 ) - (1,300 ) Other borrowed funds (10,684 ) - (10,841 ) - (10,841 ) Subordinated debt (5,313 ) - (5,313 ) - (5,313 ) Interest payable (371 ) (7 ) (364 ) - (371 ) The carrying amounts and estimated fair values of financial instruments at December 31, 2015 were as follows: Fair Value Measurements at December 31, 2015 Using Carrying Amount Level 1 Level 2 Level 3 Total Financial assets Cash and due from banks $ 66,704 $ 66,704 $ - $ - $ 66,704 Federal funds sold 5,835 5,835 - - 5,835 Securities available for sale 255,466 - 255,466 - 255,466 Loans, net 840,099 - - 838,867 838,867 Federal Home Loan Bank stock 3,072 n/ a n/ a n/ a n/ a Interest receivable 3,162 - 633 2,529 3,162 Financial liabilities Deposits $ (1,060,196 ) $ (726,018 ) $ (331,747 ) $ - $ (1,057,765 ) Securities sold under agreements to repurchase (21,694 ) - (21,694 ) - (21,694 ) Other borrowed funds (11,292 ) - (11,318 ) - (11,318 ) Interest payable (321 ) (6 ) (315 ) - (321 )
Assets and Liabilities Measured at Fair Value on a Recurring Basis	Assets and liabilities measured at fair value on a recurring basis are summarized below: Fair Value Measurements at March 31, 2016 Using: Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Available for sale Mortgage-backed securities U. S. agency MBS - residential $ 162,734 $ - $ 162,734 $ - U. S. agency CMO’s - residential 99,211 - 99,211 - Total mortgage-backed securities of government sponsored agencies 261,945 - 261,945 - U. S. government sponsored agency securities 31,390 - 31,390 - Obligations of states and political subdivisions 22,363 - 22,363 - Total available for sale $ 315,698 $ - $ 315,698 $ - Fair Value Measurements at December 31, 2015 Using: Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Available for sale Mortgage-backed securities U. S. agency MBS - residential $ 132,347 $ - $ 132,347 $ - U. S. agency CMO’s 105,122 - 105,122 - Total mortgage-backed securities of government sponsored agencies 237,469 - 237,469 - U. S. government sponsored agency securities 10,429 - 10,429 - Obligations of states and political subdivisions 7,568 - 7,568 - Total securities available for sale $ 255,466 $ - $ 255,466 $ -
Assets and Liabilities Measured at Fair Value on a Non-recurring Basis	Assets and liabilities measured at fair value on a non-recurring basis at March 31, 2016 are summarized below: Fair Value Measurements at March 31, 2016 Using Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets: Impaired loans: Commercial real estate Owner occupied $ 309 $ - $ - $ 309 Non-owner occupied 405 - - 405 Total impaired loans $ 714 $ - $ - $ 714 Other real estate owned: Residential real estate $ 608 $ - $ - $ 608 Commercial real estate Owner occupied 259 - - 259 Non-owner occupied 2,253 - - 2,253 All other 4,898 - - 4,898 Total OREO $ 8,018 $ - $ - $ 8,018 Assets and liabilities measured at fair value on a non-recurring basis at December 31, 2015 are summarized below: Fair Value Measurements at December 31, 2015 Using Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets: Impaired loans: Commercial real estate Owner occupied $ 133 $ - $ - $ 133 Non-owner occupied 258 - - 258 Total impaired loans $ 391 $ - $ - $ 391 Other real estate owned: Residential real estate $ 648 $ - $ - $ 648 Commercial real estate Owner occupied 260 - - 260 Non-owner occupied 2,253 - - 2,253 All other 4,898 - - 4,898 Total OREO $ 8,059 $ - $ - $ 8,059
Fair Value Inputs, Assets, Quantitative Information	The significant unobservable inputs related to assets and liabilities measured at fair value on a non-recurring basis at March 31, 2016 are summarized below: March 31, 2016 Valuation Techniques Unobservable Inputs Range (Weighted Avg) Impaired loans: Commercial real estate Owner occupied $ 309 sales comparison adjustment for limited salability of specialized property 44.8%-76.3% (72.9%) Non-owner occupied 405 sales comparison adjustment for limited salability of specialized property 8.0%-8.0% (8.0%) Total impaired loans $ 714 Other real estate owned: Residential real estate $ 608 sales comparison adjustment for differences between the comparable sales 0.7%-31.6% (24.7%) Commercial real estate Owner occupied 259 sales comparison adjustment for differences between the comparable sales 25.4%-41.3% (38.8%) Non-owner occupied 2,253 sales comparison adjustment for differences between the comparable sales 21.9%-23.4% (23.1%) All other 4,898 sales comparison adjustment for estimated realizable value 18.9%-46.6% (27.5%) Total OREO $ 8,018 The significant unobservable inputs related to assets and liabilities measured at fair value on a non-recurring basis at December 31, 2015 are summarized below: December 31, 2015 Valuation Techniques Unobservable Inputs Range (Weighted Avg) Impaired loans: Commercial real estate Owner occupied $ 133 sales comparison adjustment for limited salability of specialized property 60.7%-72.4% (66.3%) Non-owner occupied 258 sales comparison adjustment for differences between the comparable sales 8.0%-8.0% (8.0%) Total impaired loans $ 391 Other real estate owned: Residential real estate $ 648 sales comparison adjustment for differences between the comparable sales 0.7%-31.6% (24.7%) Commercial real estate Owner occupied 260 sales comparison adjustment for differences between the comparable sales 25.4%-41.3% (38.8%) Non-owner occupied 2,253 sales comparison adjustment for differences between the comparable sales 21.9%-23.4% (23.1%) All other 4,898 sales comparison adjustment for estimated realizable value 18.9%-46.6% (27.5%) Total OREO $ 8,059

ACQUISITION OF FIRST NATIONAL27

ACQUISITION OF FIRST NATIONAL BANKSHARES CORPORATION (Tables)	3 Months Ended
	Mar. 31, 2016
ACQUISITION OF FIRST NATIONAL BANKSHARES CORPORATION [Abstract]
Estimated Amortization of Core Deposit Intangible from Acquisition	The following table presents estimated amortization of the Bankshares core deposit intangible for each of the next five years. 2016 $ 319 2017 288 2018 234 2019 202 2020 199 Thereafter 613 Total core deposit intangible acquired $ 1,855
Schedule of Net Assets Acquired Via the Acquisition	Net assets acquired via the acquisition are shown in the table below. First National Bankshares Cash and due from banks $ 16,385 Securities available for sale 76,612 Loans, net 132,954 Premises and equipment 4,606 Goodwill and other intangible assets 5,176 Other assets 1,764 Total assets acquired 237,497 Deposits (205,174 ) Repurchase agreements (2,168 ) FHLB borrowings (1,347 ) Subordinated debt (5,307 ) Other liabilities (1,460 ) Total liabilities assumed (215,456 ) Net assets acquired $ 22,041

BASIS OF PRESENTATION (Details)

BASIS OF PRESENTATION (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015	Dec. 31, 2015
Consolidation, Wholly Owned Subsidiaries [Line Items]
Total Assets	$ 1,503,482		$ 1,244,693
Net Income	$ 2,979	$ 3,142
Citizens Deposit Bank & Trust [Member] | Vanceburg, Kentucky [Member]
Consolidation, Wholly Owned Subsidiaries [Line Items]
Year Acquired	1,991
Total Assets	$ 393,226
Net Income	$ 1,074
Premier Bank, Inc. [Member] | Huntington, West Virginia [Member]
Consolidation, Wholly Owned Subsidiaries [Line Items]
Year Acquired	1,998
Total Assets	$ 1,103,194
Net Income	2,422
Parent and Intercompany Eliminations [Member]
Consolidation, Wholly Owned Subsidiaries [Line Items]
Total Assets	7,062
Net Income	$ (517)

SECURITIES (Details)

SECURITIES (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Available-for-sale Investment securities [Abstract]
Amortized Cost	$ 312,610	$ 254,979
Unrealized Gains	3,497	2,083
Unrealized Losses	(409)	(1,596)
Available for sale, Fair Value	315,698	255,466
U. S. Sponsored Agency MBS - Residential [Member]
Available-for-sale Investment securities [Abstract]
Amortized Cost	161,274	132,661
Unrealized Gains	1,512	540
Unrealized Losses	(52)	(854)
Available for sale, Fair Value	162,734	132,347
U. S. Sponsored Agency CMO's - Residential [Member]
Available-for-sale Investment securities [Abstract]
Amortized Cost	97,904	104,530
Unrealized Gains	1,634	1,330
Unrealized Losses	(327)	(738)
Available for sale, Fair Value	99,211	105,122
Total Mortgage-Backed Securities of Government Sponsored Agencies [Member]
Available-for-sale Investment securities [Abstract]
Amortized Cost	259,178	237,191
Unrealized Gains	3,146	1,870
Unrealized Losses	(379)	(1,592)
Available for sale, Fair Value	261,945	237,469
U.S. Government Sponsored Agency Securities [Member]
Available-for-sale Investment securities [Abstract]
Amortized Cost	31,311	10,401
Unrealized Gains	87	29
Unrealized Losses	(8)	(1)
Available for sale, Fair Value	31,390	10,429
Obligations of States and Political Subdivisions [Member]
Available-for-sale Investment securities [Abstract]
Amortized Cost	22,121	7,387
Unrealized Gains	264	184
Unrealized Losses	(22)	(3)
Available for sale, Fair Value	$ 22,363	$ 7,568

SECURITIES, By Contractual Matu

SECURITIES, By Contractual Maturity (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015	Dec. 31, 2015
Amortized cost of available-for-sale securities by contractual maturity [Abstract]
Due in one year or less	$ 5,689
Due after one year through five years	38,141
Due after five years through ten years	8,447
Due after ten years	1,155
Mortgage-backed securities of government sponsored agencies	259,178
Available for sale, Amortized Cost	312,610
Fair value of available-for-sale securities by contractual maturity [Abstract]
Due in one year or less	5,698
Due after one year through five years	38,319
Due after five years through ten years	8,576
Due after ten years	1,160
Mortgage backed securities of government sponsored agencies	261,945
Available for sale, Fair Value	315,698		$ 255,466
Proceeds from the sale of securities	47,000	$ 0
Gain on disposition of securities	$ 4,000

SECURITIES, With Unrealized Los

SECURITIES, With Unrealized Losses (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than 12 Months, Fair Value	$ 43,973	$ 108,502
12 Months or More, Fair Value	17,249	19,755
Total Fair Value	61,222	128,257
Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than 12 Months, Unrealized Loss	(115)	(1,019)
12 Months or More, Unrealized Loss	(294)	(577)
Total Unrealized Loss	(409)	(1,596)
U.S. Government Sponsored Agency Securities [Member]
Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than 12 Months, Fair Value	5,335	2,016
12 Months or More, Fair Value	0	0
Total Fair Value	5,335	2,016
Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than 12 Months, Unrealized Loss	(8)	(1)
12 Months or More, Unrealized Loss	0	0
Total Unrealized Loss	(8)	(1)
U. S. Sponsored Agency MBS - Residential [Member]
Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than 12 Months, Fair Value	27,723	94,311
12 Months or More, Fair Value	0	0
Total Fair Value	27,723	94,311
Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than 12 Months, Unrealized Loss	(52)	(854)
12 Months or More, Unrealized Loss	0	0
Total Unrealized Loss	(52)	(854)
U. S. Government Sponsored Agency CMO's - Residential [Member]
Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than 12 Months, Fair Value	5,419	11,604
12 Months or More, Fair Value	17,249	19,755
Total Fair Value	22,668	31,359
Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than 12 Months, Unrealized Loss	(33)	(161)
12 Months or More, Unrealized Loss	(294)	(577)
Total Unrealized Loss	(327)	(738)
Obligations of States and Political Subdivisions [Member]
Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than 12 Months, Fair Value	5,496	571
12 Months or More, Fair Value	0	0
Total Fair Value	5,496	571
Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than 12 Months, Unrealized Loss	(22)	(3)
12 Months or More, Unrealized Loss	0	0
Total Unrealized Loss	$ (22)	$ (3)

LOANS, Major Classifications of

LOANS, Major Classifications of Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	$ 986,643	$ 849,746
Residential Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	339,969	285,826
Multifamily Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	56,316	50,452
Commercial Real Estate [Member] | Owner Occupied [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	149,137	119,265
Commercial Real Estate [Member] | Non Owner Occupied [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	197,274	188,918
Commercial and Industrial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	77,801	68,339
Consumer [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	32,783	31,445
All Other [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	133,363	$ 105,501
First National Bankshares Corporation [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	131,022
First National Bankshares Corporation [Member] | Residential Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	52,379
First National Bankshares Corporation [Member] | Multifamily Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	3,414
First National Bankshares Corporation [Member] | Commercial Real Estate [Member] | Owner Occupied [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	22,616
First National Bankshares Corporation [Member] | Commercial Real Estate [Member] | Non Owner Occupied [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	10,809
First National Bankshares Corporation [Member] | Commercial and Industrial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	18,261
First National Bankshares Corporation [Member] | Consumer [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	3,040
First National Bankshares Corporation [Member] | All Other [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	$ 20,503

LOANS, Activity in The Allowanc

LOANS, Activity in The Allowance For Loan Losses by Portfolio Segment (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Activity in the allowance for loan losses by portfolio segment [Roll Forward]
Balance, beginning of period	$ 9,647	$ 10,347
Provision for loan losses	312	69
Loans charged-off	153	350
Recoveries	109	104
Balance, end of period	9,915	10,170
Residential Real Estate [Member]
Activity in the allowance for loan losses by portfolio segment [Roll Forward]
Balance, beginning of period	2,501	2,093
Provision for loan losses	78	154
Loans charged-off	49	74
Recoveries	9	23
Balance, end of period	2,539	2,196
Multifamily Real Estate [Member]
Activity in the allowance for loan losses by portfolio segment [Roll Forward]
Balance, beginning of period	821	304
Provision for loan losses	(76)	(17)
Loans charged-off	0	0
Recoveries	0	0
Balance, end of period	745	287
Commercial Real Estate [Member] | Owner Occupied [Member]
Activity in the allowance for loan losses by portfolio segment [Roll Forward]
Balance, beginning of period	1,509	1,501
Provision for loan losses	21	(11)
Loans charged-off	0	2
Recoveries	1	1
Balance, end of period	1,531	1,489
Commercial Real Estate [Member] | Non Owner Occupied [Member]
Activity in the allowance for loan losses by portfolio segment [Roll Forward]
Balance, beginning of period	2,070	2,316
Provision for loan losses	267	8
Loans charged-off	0	0
Recoveries	0	0
Balance, end of period	2,337	2,324
Commercial and Industrial [Member]
Activity in the allowance for loan losses by portfolio segment [Roll Forward]
Balance, beginning of period	1,033	1,444
Provision for loan losses	(136)	165
Loans charged-off	0	161
Recoveries	36	2
Balance, end of period	933	1,450
Consumer [Member]
Activity in the allowance for loan losses by portfolio segment [Roll Forward]
Balance, beginning of period	307	243
Provision for loan losses	(11)	18
Loans charged-off	44	54
Recoveries	36	34
Balance, end of period	288	241
All Other [Member]
Activity in the allowance for loan losses by portfolio segment [Roll Forward]
Balance, beginning of period	1,406	2,446
Provision for loan losses	169	(248)
Loans charged-off	60	59
Recoveries	27	44
Balance, end of period	$ 1,542	$ 2,183

LOANS, Purchased Loans (Details

LOANS, Purchased Loans (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015	Dec. 31, 2015
Purchased loans [Abstract]
Loans and leases receivable purchased with deteriorated credit quality	$ 12,981		$ 5,760
Contractual principal balance	17,102		7,251
Carrying amount, net of allowance	12,916		5,680
Accretable Yield [Roll Forward]
Beginning Balance	185	$ 204
New loans purchased	1,506	0
Accretion of income	(40)	(5)
Reclassifications from non-accretable difference	0	0
Disposals	0	0
Ending Balance	1,651	$ 199
Residential Real Estate [Member]
Purchased loans [Abstract]
Loans and leases receivable purchased with deteriorated credit quality	2,189		0
Commercial Real Estate [Member] | Owner Occupied [Member]
Purchased loans [Abstract]
Loans and leases receivable purchased with deteriorated credit quality	2,466		131
Commercial Real Estate [Member] | Non Owner Occupied [Member]
Purchased loans [Abstract]
Loans and leases receivable purchased with deteriorated credit quality	5,511		5,549
Commercial and Industrial [Member]
Purchased loans [Abstract]
Loans and leases receivable purchased with deteriorated credit quality	385		80
All Other [Member]
Purchased loans [Abstract]
Loans and leases receivable purchased with deteriorated credit quality	2,430		$ 0
First National Bankshares Corporation [Member]
Purchased loans [Abstract]
Loans and leases receivable purchased with deteriorated credit quality	7,522
Accretable Yield [Roll Forward]
Acquired loans contractually required payment	10,040
Acquired loans expected cash flows	$ 9,028

LOANS, Past Due And Non-perform

LOANS, Past Due And Non-performing Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Past due and non-performing loans [Abstract]
Principal owed on non-accrual loans	$ 10,111	$ 9,310
Recorded investment in non-accrual loans	8,100	7,141
Loans past due over 90 days, still accruing	2,020	3,032
Residential Real Estate [Member]
Past due and non-performing loans [Abstract]
Principal owed on non-accrual loans	2,581	2,367
Recorded investment in non-accrual loans	2,260	2,091
Loans past due over 90 days, still accruing	1,166	867
Multifamily Real Estate [Member]
Past due and non-performing loans [Abstract]
Principal owed on non-accrual loans	422	416
Recorded investment in non-accrual loans	81	75
Loans past due over 90 days, still accruing	306	0
Commercial Real Estate [Member] | Owner Occupied [Member]
Past due and non-performing loans [Abstract]
Principal owed on non-accrual loans	1,356	791
Recorded investment in non-accrual loans	1,317	773
Loans past due over 90 days, still accruing	166	558
Commercial Real Estate [Member] | Non Owner Occupied [Member]
Past due and non-performing loans [Abstract]
Principal owed on non-accrual loans	2,104	3,732
Recorded investment in non-accrual loans	1,997	3,400
Loans past due over 90 days, still accruing	0	0
Commercial and Industrial [Member]
Past due and non-performing loans [Abstract]
Principal owed on non-accrual loans	2,291	1,460
Recorded investment in non-accrual loans	1,174	337
Loans past due over 90 days, still accruing	382	870
Consumer [Member]
Past due and non-performing loans [Abstract]
Principal owed on non-accrual loans	300	257
Recorded investment in non-accrual loans	275	234
Loans past due over 90 days, still accruing	0	0
All Other [Member]
Past due and non-performing loans [Abstract]
Principal owed on non-accrual loans	1,057	287
Recorded investment in non-accrual loans	996	231
Loans past due over 90 days, still accruing	0	$ 737
First National Bankshares Corporation [Member]
Past due and non-performing loans [Abstract]
Principal owed on non-accrual loans	0
Recorded investment in non-accrual loans	0
Loans past due over 90 days, still accruing	$ 1,219

LOANS, Past Due Aging Analysis

LOANS, Past Due Aging Analysis (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Aging of recorded investment in past due loans [Abstract]
Total loans	$ 986,643	$ 849,746
Total past due	20,704	23,664
Loans not past due	965,939	826,082
30-89 Days Past Due [Member]
Aging of recorded investment in past due loans [Abstract]
Total past due	12,624	15,213
Greater than 90 days past due [Member]
Aging of recorded investment in past due loans [Abstract]
Total past due	8,080	8,451
Residential Real Estate [Member]
Aging of recorded investment in past due loans [Abstract]
Total loans	339,969	285,826
Total past due	6,842	7,979
Loans not past due	333,127	277,847
Residential Real Estate [Member] | 30-89 Days Past Due [Member]
Aging of recorded investment in past due loans [Abstract]
Total past due	4,836	6,298
Residential Real Estate [Member] | Greater than 90 days past due [Member]
Aging of recorded investment in past due loans [Abstract]
Total past due	2,006	1,681
Multifamily Real Estate [Member]
Aging of recorded investment in past due loans [Abstract]
Total loans	56,316	50,452
Total past due	1,488	1,490
Loans not past due	54,828	48,962
Multifamily Real Estate [Member] | 30-89 Days Past Due [Member]
Aging of recorded investment in past due loans [Abstract]
Total past due	1,101	1,415
Multifamily Real Estate [Member] | Greater than 90 days past due [Member]
Aging of recorded investment in past due loans [Abstract]
Total past due	387	75
Commercial Real Estate [Member] | Owner Occupied [Member]
Aging of recorded investment in past due loans [Abstract]
Total loans	149,137	119,265
Total past due	2,621	2,549
Loans not past due	146,516	116,716
Commercial Real Estate [Member] | Owner Occupied [Member] | 30-89 Days Past Due [Member]
Aging of recorded investment in past due loans [Abstract]
Total past due	1,356	1,354
Commercial Real Estate [Member] | Owner Occupied [Member] | Greater than 90 days past due [Member]
Aging of recorded investment in past due loans [Abstract]
Total past due	1,265	1,195
Commercial Real Estate [Member] | Non Owner Occupied [Member]
Aging of recorded investment in past due loans [Abstract]
Total loans	197,274	188,918
Total past due	3,352	5,881
Loans not past due	193,922	183,037
Commercial Real Estate [Member] | Non Owner Occupied [Member] | 30-89 Days Past Due [Member]
Aging of recorded investment in past due loans [Abstract]
Total past due	1,383	2,481
Commercial Real Estate [Member] | Non Owner Occupied [Member] | Greater than 90 days past due [Member]
Aging of recorded investment in past due loans [Abstract]
Total past due	1,969	3,400
Commercial and Industrial [Member]
Aging of recorded investment in past due loans [Abstract]
Total loans	77,801	68,339
Total past due	1,727	1,284
Loans not past due	76,074	67,055
Commercial and Industrial [Member] | 30-89 Days Past Due [Member]
Aging of recorded investment in past due loans [Abstract]
Total past due	353	220
Commercial and Industrial [Member] | Greater than 90 days past due [Member]
Aging of recorded investment in past due loans [Abstract]
Total past due	1,374	1,064
Consumer [Member]
Aging of recorded investment in past due loans [Abstract]
Total loans	32,783	31,445
Total past due	397	389
Loans not past due	32,386	31,056
Consumer [Member] | 30-89 Days Past Due [Member]
Aging of recorded investment in past due loans [Abstract]
Total past due	292	288
Consumer [Member] | Greater than 90 days past due [Member]
Aging of recorded investment in past due loans [Abstract]
Total past due	105	101
All Other [Member]
Aging of recorded investment in past due loans [Abstract]
Total loans	133,363	105,501
Total past due	4,277	4,092
Loans not past due	129,086	101,409
All Other [Member] | 30-89 Days Past Due [Member]
Aging of recorded investment in past due loans [Abstract]
Total past due	3,303	3,157
All Other [Member] | Greater than 90 days past due [Member]
Aging of recorded investment in past due loans [Abstract]
Total past due	974	$ 935
First National Bankshares Corporation [Member]
Aging of recorded investment in past due loans [Abstract]
Total loans	131,022
Total past due	2,007
Loans not past due	129,015
First National Bankshares Corporation [Member] | 30-89 Days Past Due [Member]
Aging of recorded investment in past due loans [Abstract]
Total past due	788
First National Bankshares Corporation [Member] | Greater than 90 days past due [Member]
Aging of recorded investment in past due loans [Abstract]
Total past due	1,219
First National Bankshares Corporation [Member] | Residential Real Estate [Member]
Aging of recorded investment in past due loans [Abstract]
Total loans	52,379
First National Bankshares Corporation [Member] | Multifamily Real Estate [Member]
Aging of recorded investment in past due loans [Abstract]
Total loans	3,414
First National Bankshares Corporation [Member] | Commercial Real Estate [Member] | Owner Occupied [Member]
Aging of recorded investment in past due loans [Abstract]
Total loans	22,616
First National Bankshares Corporation [Member] | Commercial Real Estate [Member] | Non Owner Occupied [Member]
Aging of recorded investment in past due loans [Abstract]
Total loans	10,809
First National Bankshares Corporation [Member] | Commercial and Industrial [Member]
Aging of recorded investment in past due loans [Abstract]
Total loans	18,261
First National Bankshares Corporation [Member] | Consumer [Member]
Aging of recorded investment in past due loans [Abstract]
Total loans	3,040
First National Bankshares Corporation [Member] | All Other [Member]
Aging of recorded investment in past due loans [Abstract]
Total loans	$ 20,503

LOANS, Allowance for Loan Losse

LOANS, Allowance for Loan Losses and Recorded Investment in Loans by Portfolio Segment Based on Impairment Method (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015	Mar. 31, 2015	Dec. 31, 2014
Allowance for Loan Losses [Abstract]
Individually evaluated for impairment, allowance for loan losses	$ 333	$ 219
Collectively evaluated for impairment, allowance for loan losses	9,517	9,348
Total allowance for loan losses	9,915	9,647	$ 10,170	$ 10,347
Loans Balances [Abstract]
Individually evaluated for impairment, loan balances	8,379	8,892
Collectively evaluated for impairment, loan balances	965,283	835,094
Total loans	986,643	849,746
Acquired with Deteriorated Credit Quality [Member]
Allowance for Loan Losses [Abstract]
Total allowance for loan losses	65	80
Loans Balances [Abstract]
Acquired with deteriorated credit quality, loan balances	12,981	5,760
Residential Real Estate [Member]
Allowance for Loan Losses [Abstract]
Individually evaluated for impairment, allowance for loan losses	6	0
Collectively evaluated for impairment, allowance for loan losses	2,533	2,501
Total allowance for loan losses	2,539	2,501	2,196	2,093
Loans Balances [Abstract]
Individually evaluated for impairment, loan balances	541	575
Collectively evaluated for impairment, loan balances	337,239	285,251
Total loans	339,969	285,826
Residential Real Estate [Member] | Acquired with Deteriorated Credit Quality [Member]
Allowance for Loan Losses [Abstract]
Total allowance for loan losses	0	0
Loans Balances [Abstract]
Acquired with deteriorated credit quality, loan balances	2,189	0
Multifamily Real Estate [Member]
Allowance for Loan Losses [Abstract]
Individually evaluated for impairment, allowance for loan losses	0	0
Collectively evaluated for impairment, allowance for loan losses	745	821
Total allowance for loan losses	745	821	287	304
Loans Balances [Abstract]
Individually evaluated for impairment, loan balances	1,058	75
Collectively evaluated for impairment, loan balances	55,258	50,377
Total loans	56,316	50,452
Multifamily Real Estate [Member] | Acquired with Deteriorated Credit Quality [Member]
Allowance for Loan Losses [Abstract]
Total allowance for loan losses	0	0
Loans Balances [Abstract]
Acquired with deteriorated credit quality, loan balances	0	0
Commercial Real Estate [Member] | Owner Occupied [Member]
Allowance for Loan Losses [Abstract]
Individually evaluated for impairment, allowance for loan losses	52	44
Collectively evaluated for impairment, allowance for loan losses	1,479	1,465
Total allowance for loan losses	1,531	1,509	1,489	1,501
Loans Balances [Abstract]
Individually evaluated for impairment, loan balances	438	446
Collectively evaluated for impairment, loan balances	146,233	118,688
Total loans	149,137	119,265
Commercial Real Estate [Member] | Owner Occupied [Member] | Acquired with Deteriorated Credit Quality [Member]
Allowance for Loan Losses [Abstract]
Total allowance for loan losses	0	0
Loans Balances [Abstract]
Acquired with deteriorated credit quality, loan balances	2,466	131
Commercial Real Estate [Member] | Non Owner Occupied [Member]
Allowance for Loan Losses [Abstract]
Individually evaluated for impairment, allowance for loan losses	125	22
Collectively evaluated for impairment, allowance for loan losses	2,212	2,048
Total allowance for loan losses	2,337	2,070	2,324	2,316
Loans Balances [Abstract]
Individually evaluated for impairment, loan balances	5,281	6,502
Collectively evaluated for impairment, loan balances	186,482	176,867
Total loans	197,274	188,918
Commercial Real Estate [Member] | Non Owner Occupied [Member] | Acquired with Deteriorated Credit Quality [Member]
Allowance for Loan Losses [Abstract]
Total allowance for loan losses	0	0
Loans Balances [Abstract]
Acquired with deteriorated credit quality, loan balances	5,511	5,549
Commercial and Industrial [Member]
Allowance for Loan Losses [Abstract]
Individually evaluated for impairment, allowance for loan losses	150	153
Collectively evaluated for impairment, allowance for loan losses	718	800
Total allowance for loan losses	933	1,033	1,450	1,444
Loans Balances [Abstract]
Individually evaluated for impairment, loan balances	311	544
Collectively evaluated for impairment, loan balances	77,105	67,715
Total loans	77,801	68,339
Commercial and Industrial [Member] | Acquired with Deteriorated Credit Quality [Member]
Allowance for Loan Losses [Abstract]
Total allowance for loan losses	65	80
Loans Balances [Abstract]
Acquired with deteriorated credit quality, loan balances	385	80
Consumer [Member]
Allowance for Loan Losses [Abstract]
Individually evaluated for impairment, allowance for loan losses	0	0
Collectively evaluated for impairment, allowance for loan losses	288	307
Total allowance for loan losses	288	307	241	243
Loans Balances [Abstract]
Individually evaluated for impairment, loan balances	0	0
Collectively evaluated for impairment, loan balances	32,783	31,445
Total loans	32,783	31,445
Consumer [Member] | Acquired with Deteriorated Credit Quality [Member]
Allowance for Loan Losses [Abstract]
Total allowance for loan losses	0	0
Loans Balances [Abstract]
Acquired with deteriorated credit quality, loan balances	0	0
All Other [Member]
Allowance for Loan Losses [Abstract]
Individually evaluated for impairment, allowance for loan losses	0	0
Collectively evaluated for impairment, allowance for loan losses	1,542	1,406
Total allowance for loan losses	1,542	1,406	$ 2,183	$ 2,446
Loans Balances [Abstract]
Individually evaluated for impairment, loan balances	750	750
Collectively evaluated for impairment, loan balances	130,183	104,751
Total loans	133,363	105,501
All Other [Member] | Acquired with Deteriorated Credit Quality [Member]
Allowance for Loan Losses [Abstract]
Total allowance for loan losses	0	0
Loans Balances [Abstract]
Acquired with deteriorated credit quality, loan balances	$ 2,430	$ 0

LOANS, Individually Evaluated F

LOANS, Individually Evaluated For Impairment (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
LOANS [Abstract]
Purchased financing receivable individually evaluated for impairment	$ 65	$ 80
Loans individually evaluated for impairment [Abstract]
Unpaid principal balance	10,049	10,832
Recorded investment	8,444	8,972
Allowance for loan losses allocated	398	299
With no related allowance recorded: [Member]
Loans individually evaluated for impairment [Abstract]
Unpaid principal balance	8,414	9,847
Recorded investment	7,151	8,282
Allowance for loan losses allocated	0	0
With an allowance recorded: [Member]
Loans individually evaluated for impairment [Abstract]
Unpaid principal balance	1,635	985
Recorded investment	1,293	690
Allowance for loan losses allocated	398	299
Residential Real Estate [Member] | With no related allowance recorded: [Member]
Loans individually evaluated for impairment [Abstract]
Unpaid principal balance	544	636
Recorded investment	535	575
Allowance for loan losses allocated	0	0
Residential Real Estate [Member] | With an allowance recorded: [Member]
Loans individually evaluated for impairment [Abstract]
Unpaid principal balance	43
Recorded investment	6
Allowance for loan losses allocated	6
Multifamily Real Estate [Member] | With no related allowance recorded: [Member]
Loans individually evaluated for impairment [Abstract]
Unpaid principal balance	1,399	416
Recorded investment	1,058	75
Allowance for loan losses allocated	0	0
Commercial Real Estate [Member] | Owner Occupied [Member] | With no related allowance recorded: [Member]
Loans individually evaluated for impairment [Abstract]
Unpaid principal balance	82	276
Recorded investment	76	269
Allowance for loan losses allocated	0	0
Commercial Real Estate [Member] | Owner Occupied [Member] | With an allowance recorded: [Member]
Loans individually evaluated for impairment [Abstract]
Unpaid principal balance	364	177
Recorded investment	362	177
Allowance for loan losses allocated	52	44
Commercial Real Estate [Member] | Non Owner Occupied [Member] | With no related allowance recorded: [Member]
Loans individually evaluated for impairment [Abstract]
Unpaid principal balance	4,677	6,554
Recorded investment	4,571	6,222
Allowance for loan losses allocated	0	0
Commercial Real Estate [Member] | Non Owner Occupied [Member] | With an allowance recorded: [Member]
Loans individually evaluated for impairment [Abstract]
Unpaid principal balance	710	280
Recorded investment	710	280
Allowance for loan losses allocated	125	22
Commercial and Industrial [Member] | With no related allowance recorded: [Member]
Loans individually evaluated for impairment [Abstract]
Unpaid principal balance	907	1,160
Recorded investment	161	391
Allowance for loan losses allocated	0	0
Commercial and Industrial [Member] | With an allowance recorded: [Member]
Loans individually evaluated for impairment [Abstract]
Unpaid principal balance	518	528
Recorded investment	215	233
Allowance for loan losses allocated	215	233
All Other [Member] | With no related allowance recorded: [Member]
Loans individually evaluated for impairment [Abstract]
Unpaid principal balance	805	805
Recorded investment	750	750
Allowance for loan losses allocated	$ 0	$ 0

LOANS, Average Balance of Loans

LOANS, Average Balance of Loans Individually Evaluated For Impairment (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Financing Receivable, Impaired [Line Items]
Average recorded investment	$ 8,707	$ 15,370
Interest income recognized	71	78
Cash basis interest recognized	60	72
Residential Real Estate [Member]
Financing Receivable, Impaired [Line Items]
Average recorded investment	558	135
Interest income recognized	5	1
Cash basis interest recognized	4	1
Multifamily Real Estate [Member]
Financing Receivable, Impaired [Line Items]
Average recorded investment	566	1,796
Interest income recognized	13	0
Cash basis interest recognized	12	0
Commercial Real Estate [Member] | Owner Occupied [Member]
Financing Receivable, Impaired [Line Items]
Average recorded investment	441	1,457
Interest income recognized	0	9
Cash basis interest recognized	0	8
Commercial Real Estate [Member] | Non Owner Occupied [Member]
Financing Receivable, Impaired [Line Items]
Average recorded investment	5,892	4,800
Interest income recognized	50	48
Cash basis interest recognized	41	48
Commercial and Industrial [Member]
Financing Receivable, Impaired [Line Items]
Average recorded investment	500	987
Interest income recognized	3	4
Cash basis interest recognized	3	4
All Other [Member]
Financing Receivable, Impaired [Line Items]
Average recorded investment	750	6,195
Interest income recognized	0	16
Cash basis interest recognized	$ 0	$ 11

LOANS, Troubled Debt Restructur

LOANS, Troubled Debt Restructurings (Details) - USD ($)	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015	Dec. 31, 2015
Financing Receivable, Modifications [Line Items]
TDR's on Non-accrual	$ 773,000		$ 7,000
Other TDR's	4,227,000		3,996,000
Total TDR's	5,000,000		4,003,000
Specific reserves allocated to loans that have restructured terms	151,000		0
Commitments to lend additional amounts to borrowers	0		0
Increase in allowance for loan losses related to purchased loans	145,000	$ 0
Purchased loans forbearance period		15 months
Residential Real Estate [Member]
Financing Receivable, Modifications [Line Items]
TDR's on Non-accrual	50,000		7,000
Other TDR's	470,000		222,000
Total TDR's	520,000		229,000
Multifamily Real Estate [Member]
Financing Receivable, Modifications [Line Items]
TDR's on Non-accrual	0		0
Other TDR's	2,193,000		2,201,000
Total TDR's	2,193,000		2,201,000
Commercial Real Estate [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
TDR's on Non-accrual	0
Other TDR's	610,000
Total TDR's	610,000
Commercial Real Estate [Member] | Non Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
TDR's on Non-accrual	0		0
Other TDR's	549,000		454,000
Total TDR's	549,000		454,000
Commercial and Industrial [Member]
Financing Receivable, Modifications [Line Items]
TDR's on Non-accrual	0		0
Other TDR's	405,000		396,000
Total TDR's	405,000		396,000
All Other [Member]
Financing Receivable, Modifications [Line Items]
TDR's on Non-accrual	723,000		0
Other TDR's	0		723,000
Total TDR's	$ 723,000		$ 723,000

LOANS, TDR Modified During Peri

LOANS, TDR Modified During Period (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2016USD ($)Loan	Mar. 31, 2015USD ($)Loan
Financing Receivable, Modifications [Line Items]
Number of loans | Loan	6	1
Pre-modification outstanding recorded investment	$ 1,029	$ 1,543
Post-modification outstanding recorded investment	$ 1,029	$ 1,543
Residential Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Number of loans | Loan	2	0
Pre-modification outstanding recorded investment	$ 299	$ 0
Post-modification outstanding recorded investment	$ 299	$ 0
Multifamily Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Number of loans | Loan	0	1
Pre-modification outstanding recorded investment	$ 0	$ 1,543
Post-modification outstanding recorded investment	$ 0	$ 1,543
Commercial Real Estate [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Number of loans | Loan	2	0
Pre-modification outstanding recorded investment	$ 610	$ 0
Post-modification outstanding recorded investment	$ 610	$ 0
Commercial Real Estate [Member] | Non Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Number of loans | Loan	1	0
Pre-modification outstanding recorded investment	$ 100	$ 0
Post-modification outstanding recorded investment	$ 100	$ 0
Commercial and Industrial [Member]
Financing Receivable, Modifications [Line Items]
Number of loans | Loan	1	0
Pre-modification outstanding recorded investment	$ 20	$ 0
Post-modification outstanding recorded investment	$ 20	$ 0

LOANS, Risk Category of Loans b

LOANS, Risk Category of Loans by Class of Loans, Credit Quality Indicators (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Financing Receivable, Recorded Investment [Line Items]
Loans	$ 986,643	$ 849,746
Residential Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	339,969	285,826
Multifamily Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	56,316	50,452
Commercial Real Estate [Member] | Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	149,137	119,265
Commercial Real Estate [Member] | Non Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	197,274	188,918
Commercial and Industrial [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	77,801	68,339
Consumer [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	32,783	31,445
All Other [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	133,363	105,501
First National Bankshares Corporation [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	131,022
First National Bankshares Corporation [Member] | Residential Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	52,379
First National Bankshares Corporation [Member] | Multifamily Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	3,414
First National Bankshares Corporation [Member] | Commercial Real Estate [Member] | Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	22,616
First National Bankshares Corporation [Member] | Commercial Real Estate [Member] | Non Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	10,809
First National Bankshares Corporation [Member] | Commercial and Industrial [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	18,261
First National Bankshares Corporation [Member] | Consumer [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	3,040
First National Bankshares Corporation [Member] | All Other [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	20,503
Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	932,713	809,446
Pass [Member] | Residential Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	324,652	273,741
Pass [Member] | Multifamily Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	52,858	46,135
Pass [Member] | Commercial Real Estate [Member] | Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	137,121	112,989
Pass [Member] | Commercial Real Estate [Member] | Non Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	187,493	179,179
Pass [Member] | Commercial and Industrial [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	74,363	64,563
Pass [Member] | Consumer [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	31,909	31,000
Pass [Member] | All Other [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	124,317	101,839
Pass [Member] | First National Bankshares Corporation [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	123,006
Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	27,202	19,903
Special Mention [Member] | Residential Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	6,164	5,389
Special Mention [Member] | Multifamily Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	1,184	2,041
Special Mention [Member] | Commercial Real Estate [Member] | Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	6,917	3,964
Special Mention [Member] | Commercial Real Estate [Member] | Non Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	4,039	2,891
Special Mention [Member] | Commercial and Industrial [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	1,795	2,859
Special Mention [Member] | Consumer [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	221	269
Special Mention [Member] | All Other [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	6,882	2,490
Special Mention [Member] | First National Bankshares Corporation [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	2,361
Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	26,681	20,346
Substandard [Member] | Residential Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	9,147	6,689
Substandard [Member] | Multifamily Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	2,274	2,276
Substandard [Member] | Commercial Real Estate [Member] | Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	5,099	2,312
Substandard [Member] | Commercial Real Estate [Member] | Non Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	5,742	6,848
Substandard [Member] | Commercial and Industrial [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	1,602	873
Substandard [Member] | Consumer [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	653	176
Substandard [Member] | All Other [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	2,164	1,172
Substandard [Member] | First National Bankshares Corporation [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	5,655
Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	47	51
Doubtful [Member] | Residential Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	6	7
Doubtful [Member] | Multifamily Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Doubtful [Member] | Commercial Real Estate [Member] | Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Doubtful [Member] | Commercial Real Estate [Member] | Non Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Doubtful [Member] | Commercial and Industrial [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	41	44
Doubtful [Member] | Consumer [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Doubtful [Member] | All Other [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	0	$ 0
Doubtful [Member] | First National Bankshares Corporation [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	$ 0

STOCKHOLDERS' EQUITY AND REGU43

STOCKHOLDERS' EQUITY AND REGULATORY MATTERS (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2016	Dec. 31, 2015
STOCKHOLDERS' EQUITY AND REGULATORY MATTERS [Abstract]
Number of previous years retained profit taken for dividend calculation	2 years
Funds available for dividends without prior approval	$ 1.1
Capital Conservation Buffer	0.625%
Common Equity Tier 1 Capital (to Risk-Weighted Assets)	13.30%	13.60%
Common Equity Tier 1 Capital (to Risk-Weighted Assets), Regulatory Minimum Requirements	4.50%
Common Equity Tier 1 Capital (to Risk-Weighted Assets), To Be Considered Well Capitalized	6.50%
Tier I Capital (to Risk-Weighted Assets)	13.90%	13.60%
Tier I Capital (to Risk-Weighted Assets), Regulatory Minimum Requirements	6.00%
Tier I Capital (to Risk-Weighted Assets), To Be Considered Well Capitalized	8.00%
Total Capital (to Risk-Weighted Assets)	14.90%	14.70%
Total Capital (to Risk-Weighted Assets), Regulatory Minimum Requirements	8.00%
Total Capital (to Risk-Weighted Assets), To Be Considered Well Capitalized	10.00%
Tier I Capital (to Average Assets)	10.00%	9.40%
Tier I Capital (to Average Assets), Regulatory Minimum Requirements	4.00%
Tier I Capital (to Average Assets), To Be Considered Well Capitalized	5.00%

FEDERAL HOME LOAN BANK ADVANC44

FEDERAL HOME LOAN BANK ADVANCES (Details) - USD ($)	3 Months Ended
	Mar. 31, 2016	Jan. 15, 2016	Dec. 31, 2015
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Federal Home Loan Bank advances, interest rate, lower range	4.32%
Federal Home Loan Bank advances, interest rate, higher range	4.93%
Federal Home Loan Bank, Advances, Fiscal Year Maturity [Abstract]
2,016	$ 200,000
2,017	278,000
2,018	157,000
2,019	145,000
2,020	110,000
Thereafter	319,000
Principal amount outstanding at March 31, 2016	1,209,000
Federal Home Loan Bank advances, carrying value	$ 1,289,000		$ 0
Minimum [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Federal Home Loan Bank advances, maturity date	Dec. 31, 2017
Maximum [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Federal Home Loan Bank advances, maturity date	May 31, 2025
FHLB-Pitt [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Federal Home Loan Bank advances, assumed		$ 1,261,000

SUBORDINATED DEBENTURES (Detail

SUBORDINATED DEBENTURES (Details) - First National Bankshares Corporation [Member]	3 Months Ended
	Mar. 31, 2016USD ($)
Debt Instrument [Line Items]
Junior subordinated debenture issued	$ 6,186,000
Basis spread on variable interest rate	2.95%
Effective interest rate	3.569%
Debenture redeemed, percentage of principal amount plus accrued and unpaid interest	100.00%
Investment in common stock	$ 186,000

STOCK COMPENSATION EXPENSE (Det

STOCK COMPENSATION EXPENSE (Details) - USD ($)	Mar. 16, 2016	Mar. 18, 2015	Mar. 31, 2016	Mar. 31, 2015
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Compensation expense			$ 120,000	$ 139,000
2012 Long Term Incentive Plan [Member] | Stock Options [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period, description			three equal annual installments	three equal annual installments
Stock option vesting periods			3 years	3 years
Grants (in shares)			50,900	47,650
Grants (in dollars per share)			$ 14.90	$ 14.72
Compensation expense			$ 120,000	$ 139,000
Unrecognized stock-based compensation expense			$ 100,000
Unrecognized stock-based compensation, period of recognition			35 months
2012 Long Term Incentive Plan [Member] | Stock Options [Member] | Robert W. Walker [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Grants (in shares)	7,000	7,000
Fair value of stock options granted (in dollars per share)	$ 14.90	$ 14.72
Compensation expense	$ 104,000	$ 103,000

EARNINGS PER SHARE (Details)

EARNINGS PER SHARE (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Basic earnings per share [Abstract]
Income available to common stockholders	$ 2,979	$ 3,142
Weighted average common shares outstanding (in shares)	9,374,312	8,143,326
Earnings per share (in dollars per share)	$ 0.32	$ 0.39
Diluted earnings per share [Abstract]
Income available to common stockholders	$ 2,979	$ 3,142
Weighted average common shares outstanding (in shares)	9,374,312	8,143,326
Add dilutive effects of potential additional common stock (in shares)	60,883	488,900
Weighted average common and dilutive potential common shares outstanding (in shares)	9,435,195	8,632,226
Earnings per share assuming dilution (in dollars per share)	$ 0.32	$ 0.36
Stock Options [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Securities not considered in computing diluted earnings per share (in shares)	20,000	23,500

FAIR VALUE, Carrying Amount and

FAIR VALUE, Carrying Amount and Estimated Fair Value of Financial Instruments (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Financial assets [Abstract]
Securities available for sale	$ 315,698	$ 255,466
Carrying Amount [Member]
Financial assets [Abstract]
Cash and due from banks	116,479	66,704
Federal funds sold	8,052	5,835
Securities available for sale	315,698	255,466
Loans, net	976,728	840,099
Federal Home Loan Bank stock	3,267	3,072
Interest receivable	3,715	3,162
Financial liabilities [Abstract]
Deposits	(1,284,176)	(1,060,196)
Securities sold under agreements to repurchase	(24,533)	(21,694)
FHLB advances	(1,289)
Other borrowed funds	(10,684)	(11,292)
Subordinated debt	(5,313)
Interest payable	(371)	(321)
Fair Value [Member]
Financial assets [Abstract]
Cash and due from banks	116,479	66,704
Federal funds sold	8,052	5,835
Securities available for sale	315,698	255,466
Loans, net	976,296	838,867
Interest receivable	3,715	3,162
Financial liabilities [Abstract]
Deposits	(1,282,358)	(1,057,765)
Securities sold under agreements to repurchase	(24,533)	(21,694)
FHLB advances	(1,300)
Other borrowed funds	(10,841)	(11,318)
Subordinated debt	(5,313)
Interest payable	(371)	(321)
Fair Value [Member] | Level 1 [Member]
Financial assets [Abstract]
Cash and due from banks	116,479	66,704
Federal funds sold	8,052	5,835
Securities available for sale	0	0
Loans, net	0	0
Interest receivable	13	0
Financial liabilities [Abstract]
Deposits	(907,270)	(726,018)
Securities sold under agreements to repurchase	0	0
FHLB advances	0
Other borrowed funds	0	0
Subordinated debt	0
Interest payable	(7)	(6)
Fair Value [Member] | Level 2 [Member]
Financial assets [Abstract]
Cash and due from banks	0	0
Federal funds sold	0	0
Securities available for sale	315,698	255,466
Loans, net	0	0
Interest receivable	994	633
Financial liabilities [Abstract]
Deposits	(375,088)	(331,747)
Securities sold under agreements to repurchase	(24,533)	(21,694)
FHLB advances	(1,300)
Other borrowed funds	(10,841)	(11,318)
Subordinated debt	(5,313)
Interest payable	(364)	(315)
Fair Value [Member] | Level 3 [Member]
Financial assets [Abstract]
Cash and due from banks	0	0
Federal funds sold	0	0
Securities available for sale	0	0
Loans, net	976,296	838,867
Interest receivable	2,708	2,529
Financial liabilities [Abstract]
Deposits	0	0
Securities sold under agreements to repurchase	0	0
FHLB advances	0
Other borrowed funds	0	0
Subordinated debt	0
Interest payable	$ 0	$ 0

FAIR VALUE, Assets and Liabilit

FAIR VALUE, Assets and Liabilities Measured at Fair Value on Recurring Basis (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Available for sale [Abstract]
Available for sale, Fair Value	$ 315,698	$ 255,466
Carrying Value [Member]
Available for sale [Abstract]
Available for sale, Fair Value	315,698	255,466
Fair Value [Member]
Available for sale [Abstract]
Available for sale, Fair Value	315,698	255,466
Fair Value [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Available for sale [Abstract]
Available for sale, Fair Value	0	0
Fair Value [Member] | Significant Other Observable Inputs (Level 2) [Member]
Available for sale [Abstract]
Available for sale, Fair Value	315,698	255,466
Fair Value [Member] | Significant Unobservable Inputs (Level 3) [Member]
Available for sale [Abstract]
Available for sale, Fair Value	0	0
Recurring [Member] | Carrying Value [Member]
Available for sale [Abstract]
U. S. agency MBS - residential	162,734	132,347
U. S. agency CMO's - residential	99,211	105,122
Total mortgage-backed securities of government sponsored agencies	261,945	237,469
U. S. government sponsored agency securities	31,390	10,429
Obligations of states and political subdivisions	22,363	7,568
Available for sale, Fair Value	315,698	255,466
Recurring [Member] | Fair Value [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Available for sale [Abstract]
U. S. agency MBS - residential	0	0
U. S. agency CMO's - residential	0	0
Total mortgage-backed securities of government sponsored agencies	0	0
U. S. government sponsored agency securities	0	0
Obligations of states and political subdivisions	0	0
Available for sale, Fair Value	0	0
Recurring [Member] | Fair Value [Member] | Significant Other Observable Inputs (Level 2) [Member]
Available for sale [Abstract]
U. S. agency MBS - residential	162,734	132,347
U. S. agency CMO's - residential	99,211	105,122
Total mortgage-backed securities of government sponsored agencies	261,945	237,469
U. S. government sponsored agency securities	31,390	10,429
Obligations of states and political subdivisions	22,363	7,568
Available for sale, Fair Value	315,698	255,466
Recurring [Member] | Fair Value [Member] | Significant Unobservable Inputs (Level 3) [Member]
Available for sale [Abstract]
U. S. agency MBS - residential	0	0
U. S. agency CMO's - residential	0	0
Total mortgage-backed securities of government sponsored agencies	0	0
U. S. government sponsored agency securities	0	0
Obligations of states and political subdivisions	0	0
Available for sale, Fair Value	$ 0	$ 0

FAIR VALUE, Assets and Liabil50

FAIR VALUE, Assets and Liabilities Measured at Fair Value on Nonrecurring Basis (Details) - USD ($)	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015	Dec. 31, 2015
Impaired Loans Additional Disclosure [Abstract]
Recorded investment in impaired loans carried at fair value	$ 1,293,000		$ 690,000
Valuation allowance for impaired loans	398,000		299,000
Impaired collateral dependent loans, provision for loan losses	99,000	$ 9,000
Other Real Estate Owned Additional Disclosure [Abstract]
Recorded investment in other real estate owned carried at fair value - gross	10,758,000		10,825,000
Valuation allowance for other real estate owned	2,740,000		2,766,000
Write downs	0	$ 50,000
Nonrecurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Impaired loans [Abstract]
Owner occupied commercial real estate	0		0
Non-owner occupied commercial real estate	0		0
Total impaired loans	0		0
Other real estate owned [Abstract]
Residential real estate	0		0
Owner occupied commercial real estate	0		0
Non-owner occupied commercial real estate	0		0
All other	0		0
Total OREO	0		0
Nonrecurring [Member] | Significant Other Observable Inputs (Level 2) [Member]
Impaired loans [Abstract]
Owner occupied commercial real estate	0		0
Non-owner occupied commercial real estate	0		0
Total impaired loans	0		0
Other real estate owned [Abstract]
Residential real estate	0		0
Owner occupied commercial real estate	0		0
Non-owner occupied commercial real estate	0		0
All other	0		0
Total OREO	0		0
Nonrecurring [Member] | Significant Unobservable Inputs (Level 3) [Member]
Impaired loans [Abstract]
Owner occupied commercial real estate	309,000		133,000
Non-owner occupied commercial real estate	405,000		258,000
Total impaired loans	714,000		391,000
Other real estate owned [Abstract]
Residential real estate	608,000		648,000
Owner occupied commercial real estate	259,000		260,000
Non-owner occupied commercial real estate	2,253,000		2,253,000
All other	4,898,000		4,898,000
Total OREO	8,018,000		8,059,000
Nonrecurring [Member] | Carrying Amount [Member]
Impaired loans [Abstract]
Owner occupied commercial real estate	309,000		133,000
Non-owner occupied commercial real estate	405,000		258,000
Total impaired loans	714,000		391,000
Other real estate owned [Abstract]
Residential real estate	608,000		648,000
Owner occupied commercial real estate	259,000		260,000
Non-owner occupied commercial real estate	2,253,000		2,253,000
All other	4,898,000		4,898,000
Total OREO	$ 8,018,000		$ 8,059,000

FAIR VALUE, Asset Quantitative

FAIR VALUE, Asset Quantitative Information (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2016	Dec. 31, 2015
Impaired Loans [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Asset fair value	$ 714	$ 391
Impaired Loans [Member] | Owner Occupied Commercial Real Estate [Member] | Sales Comparison [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Asset fair value	$ 309	$ 133
Impaired Loans [Member] | Owner Occupied Commercial Real Estate [Member] | Sales Comparison [Member] | Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Comparability of sales	44.80%	60.70%
Impaired Loans [Member] | Owner Occupied Commercial Real Estate [Member] | Sales Comparison [Member] | Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Comparability of sales	76.30%	72.40%
Impaired Loans [Member] | Owner Occupied Commercial Real Estate [Member] | Sales Comparison [Member] | Weighted Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Comparability of sales	72.90%	66.30%
Impaired Loans [Member] | Non Owner Occupied Commercial Real Estate [Member] | Sales Comparison [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Asset fair value	$ 405	$ 258
Impaired Loans [Member] | Non Owner Occupied Commercial Real Estate [Member] | Sales Comparison [Member] | Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Comparability of sales	8.00%	8.00%
Impaired Loans [Member] | Non Owner Occupied Commercial Real Estate [Member] | Sales Comparison [Member] | Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Comparability of sales	8.00%	8.00%
Impaired Loans [Member] | Non Owner Occupied Commercial Real Estate [Member] | Sales Comparison [Member] | Weighted Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Comparability of sales	8.00%	8.00%
Other Real Estate Owned [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Asset fair value	$ 8,018	$ 8,059
Other Real Estate Owned [Member] | Residential Real Estate [Member] | Sales Comparison [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Asset fair value	$ 608	$ 648
Other Real Estate Owned [Member] | Residential Real Estate [Member] | Sales Comparison [Member] | Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Comparability of sales	0.70%	0.70%
Other Real Estate Owned [Member] | Residential Real Estate [Member] | Sales Comparison [Member] | Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Comparability of sales	31.60%	31.60%
Other Real Estate Owned [Member] | Residential Real Estate [Member] | Sales Comparison [Member] | Weighted Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Comparability of sales	24.70%	24.70%
Other Real Estate Owned [Member] | Owner Occupied Commercial Real Estate [Member] | Sales Comparison [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Asset fair value	$ 259	$ 260
Other Real Estate Owned [Member] | Owner Occupied Commercial Real Estate [Member] | Sales Comparison [Member] | Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Comparability of sales	25.40%	25.40%
Other Real Estate Owned [Member] | Owner Occupied Commercial Real Estate [Member] | Sales Comparison [Member] | Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Comparability of sales	41.30%	41.30%
Other Real Estate Owned [Member] | Owner Occupied Commercial Real Estate [Member] | Sales Comparison [Member] | Weighted Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Comparability of sales	38.80%	38.80%
Other Real Estate Owned [Member] | Non Owner Occupied Commercial Real Estate [Member] | Sales Comparison [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Asset fair value	$ 2,253	$ 2,253
Other Real Estate Owned [Member] | Non Owner Occupied Commercial Real Estate [Member] | Sales Comparison [Member] | Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Comparability of sales	21.90%	21.90%
Other Real Estate Owned [Member] | Non Owner Occupied Commercial Real Estate [Member] | Sales Comparison [Member] | Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Comparability of sales	23.40%	23.40%
Other Real Estate Owned [Member] | Non Owner Occupied Commercial Real Estate [Member] | Sales Comparison [Member] | Weighted Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Comparability of sales	23.10%	23.10%
Other Real Estate Owned [Member] | All Other [Member] | Sales Comparison [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Asset fair value	$ 4,898	$ 4,898
Other Real Estate Owned [Member] | All Other [Member] | Sales Comparison [Member] | Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Comparability of sales	18.90%	18.90%
Other Real Estate Owned [Member] | All Other [Member] | Sales Comparison [Member] | Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Comparability of sales	46.60%	46.60%
Other Real Estate Owned [Member] | All Other [Member] | Sales Comparison [Member] | Weighted Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Comparability of sales	27.50%	27.50%

ACQUISITION OF FIRST NATIONAL52

ACQUISITION OF FIRST NATIONAL BANKSHARES CORPORATION (Details) - First National Bankshares [Member]	Jan. 15, 2016USD ($)shares
Business Acquisition [Line Items]
Merger consideration entitled to common stock (in shares) | shares	1.69
Number of shares issued in acquisition | shares	1,400,000
Acquisition value	$ 22,000,000
Goodwill not deductible for tax purposes	3,320,000
Core deposit intangible not deductible for tax purpose	1,850,000
Estimated amortization of core deposit intangible [Abstract]
2,016	319,000
2,017	288,000
2,018	234,000
2,019	202,000
2,020	199,000
Thereafter	613,000
Total core deposit intangible acquired	1,855,000
Net assets acquired via the acquisition [Abstract]
Cash and due from banks	16,385,000
Securities available for sale	76,612,000
Loans, net	132,954,000
Premises and equipment	4,606,000
Goodwill and other intangible assets	5,176,000
Other assets	1,764,000
Total assets acquired	237,497,000
Deposits	(205,174,000)
Repurchase agreements	(2,168,000)
FHLB borrowings	(1,347,000)
Subordinated debt	(5,307,000)
Other liabilities	(1,460,000)
Total liabilities assumed	(215,456,000)
Net assets acquired	22,041,000
Fair value of non-impaired loans acquired	125,433,000
Contractual amount of loans acquired	$ 127,347,000