Annual report pursuant to Section 13 and 15(d)

LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES - allowance for loan losses by portfolio segment (Details)

v3.20.4
LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES - allowance for loan losses by portfolio segment (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2020
Dec. 31, 2019
Dec. 31, 2018
Activity in the allowance for loan losses by portfolio class      
Beginning Balance $ 13,905 $ 14,210 $ 13,307
Provision for Credit Losses   2,027 2,921
Charge-Offs   (4,971) (4,674)
Recoveries   2,639 2,656
Net Charge-Offs   (2,332) (2,018)
Ending Balance   13,905 14,210
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Beginning Balance 13,905    
Provision for credit losses 9,035    
Charge-Offs (6,160)    
Recoveries 3,767    
Net loan charge-offs (2,393)    
Ending Balance 23,816 13,905  
Adoption of ASC 326 [Member]      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Beginning Balance 3,269    
Ending Balance   3,269  
Commercial, Financial, Agricultural [Member]      
Activity in the allowance for loan losses by portfolio class      
Beginning Balance 1,675 1,434 1,191
Provision for Credit Losses   664 428
Charge-Offs   (768) (644)
Recoveries   345 459
Net Charge-Offs   (423) (185)
Ending Balance   1,675 1,434
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Beginning Balance 1,675    
Provision for credit losses 578    
Charge-Offs (789)    
Recoveries 252    
Net loan charge-offs (537)    
Ending Balance 2,204 1,675  
Commercial, Financial, Agricultural [Member] | Adoption of ASC 326 [Member]      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Beginning Balance 488    
Ending Balance   488  
Real Estate - Construction [Member]      
Activity in the allowance for loan losses by portfolio class      
Beginning Balance 370 280 122
Provision for Credit Losses   371 139
Charge-Offs   (281) (7)
Recoveries   0 26
Net Charge-Offs   (281) 19
Ending Balance   370 280
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Beginning Balance 370    
Provision for credit losses 1,757    
Charge-Offs 0    
Recoveries 50    
Net loan charge-offs 50    
Ending Balance 2,479 370  
Real Estate - Construction [Member] | Adoption of ASC 326 [Member]      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Beginning Balance 302    
Ending Balance   302  
Real Estate - Commercial Mortgage [Member]      
Activity in the allowance for loan losses by portfolio class      
Beginning Balance 3,416 4,181 4,346
Provision for Credit Losses   (1,129) (223)
Charge-Offs   (214) (315)
Recoveries   578 373
Net Charge-Offs   364 58
Ending Balance   3,416 4,181
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Beginning Balance 3,416    
Provision for credit losses 1,865    
Charge-Offs (28)    
Recoveries 318    
Net loan charge-offs 290    
Ending Balance 7,029 3,416  
Real Estate - Commercial Mortgage [Member] | Adoption of ASC 326 [Member]      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Beginning Balance 1,458    
Ending Balance   1,458  
Real Estate - Residential [Member]      
Activity in the allowance for loan losses by portfolio class      
Beginning Balance 3,128 3,400 3,206
Provision for Credit Losses   (301) 331
Charge-Offs   (400) (780)
Recoveries   429 643
Net Charge-Offs   29 (137)
Ending Balance   3,128 3,400
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Beginning Balance 3,128    
Provision for credit losses 940    
Charge-Offs (150)    
Recoveries 279    
Net loan charge-offs 129    
Ending Balance 5,440 3,128  
Real Estate - Residential [Member] | Adoption of ASC 326 [Member]      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Beginning Balance 1,243    
Ending Balance   1,243  
Real Estate - Home Equity [Member]      
Activity in the allowance for loan losses by portfolio class      
Beginning Balance 2,224 2,301 2,506
Provision for Credit Losses   178 137
Charge-Offs   (430) (533)
Recoveries   175 191
Net Charge-Offs   (255) (342)
Ending Balance   2,224 2,301
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Beginning Balance 2,224    
Provision for credit losses 486    
Charge-Offs (151)    
Recoveries 178    
Net loan charge-offs 27    
Ending Balance 3,111 2,224  
Real Estate - Home Equity [Member] | Adoption of ASC 326 [Member]      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Beginning Balance 374    
Ending Balance   374  
Consumer [Member]      
Activity in the allowance for loan losses by portfolio class      
Beginning Balance 3,092 2,614 1,936
Provision for Credit Losses   2,244 2,109
Charge-Offs   (2,878) (2,395)
Recoveries   1,112 964
Net Charge-Offs   (1,766) (1,431)
Ending Balance   3,092 $ 2,614
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Beginning Balance 3,092    
Provision for credit losses 3,409    
Charge-Offs (5,042)    
Recoveries 2,690    
Net loan charge-offs (2,352)    
Ending Balance 3,553 3,092  
Consumer [Member] | Adoption of ASC 326 [Member]      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Beginning Balance $ (596)    
Ending Balance   $ (596)