LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Activity in the allowance for credit losses) (Details) - USD ($) |
3 Months Ended | 6 Months Ended | ||
|---|---|---|---|---|
Jun. 30, 2022 |
Jun. 30, 2021 |
Jun. 30, 2022 |
Jun. 30, 2021 |
|
| Financing Receivable, Allowance for Credit Loss [Roll Forward] | ||||
| Beginning Balance | $ 20,756,000 | $ 22,026,000 | $ 21,606,000 | $ 23,816,000 |
| Provision for Credit Losses | 1,670,000 | (184,000) | 1,591,000 | (2,496,000) |
| Charge-Offs | (2,297,000) | (841,000) | (4,071,000) | (1,977,000) |
| Recoveries | 1,152,000 | 1,174,000 | 2,155,000 | 2,832,000 |
| Net (Charge-Offs) Recoveries | (1,145,000) | 333,000 | (1,916,000) | 855,000 |
| Ending Balance | 21,281,000 | 22,175,000 | 21,281,000 | 22,175,000 |
| Commercial, Financial and Agricultural [Member] | ||||
| Financing Receivable, Allowance for Credit Loss [Roll Forward] | ||||
| Beginning Balance | 2,122,000 | 1,957,000 | 2,191,000 | 2,204,000 |
| Provision for Credit Losses | 564,000 | (56,000) | 403,000 | (370,000) |
| Charge-Offs | (1,104,000) | (32,000) | (1,177,000) | (101,000) |
| Recoveries | 59,000 | 103,000 | 224,000 | 239,000 |
| Net (Charge-Offs) Recoveries | (1,045,000) | 71,000 | (953,000) | 138,000 |
| Ending Balance | 1,641,000 | 1,972,000 | 1,641,000 | 1,972,000 |
| Real Estate - Construction [Member] | ||||
| Financing Receivable, Allowance for Credit Loss [Roll Forward] | ||||
| Beginning Balance | 2,596,000 | 2,254,000 | 3,302,000 | 2,479,000 |
| Provision for Credit Losses | 542,000 | 505,000 | (172,000) | 280,000 |
| Charge-Offs | 0 | 0 | 0 | 0 |
| Recoveries | 0 | 0 | 8,000 | 0 |
| Net (Charge-Offs) Recoveries | 0 | 0 | 8,000 | 0 |
| Ending Balance | 3,138,000 | 2,759,000 | 3,138,000 | 2,759,000 |
| Real Estate - Commercial Mortgage [Member] | ||||
| Financing Receivable, Allowance for Credit Loss [Roll Forward] | ||||
| Beginning Balance | 5,392,000 | 6,956,000 | 5,810,000 | 7,029,000 |
| Provision for Credit Losses | (396,000) | 587,000 | (577,000) | (131,000) |
| Charge-Offs | 0 | 0 | (266,000) | 0 |
| Recoveries | 56,000 | 26,000 | 85,000 | 671,000 |
| Net (Charge-Offs) Recoveries | 56,000 | 26,000 | (181,000) | 671,000 |
| Ending Balance | 5,052,000 | 7,569,000 | 5,052,000 | 7,569,000 |
| Real Estate - Residential [Member] | ||||
| Financing Receivable, Allowance for Credit Loss [Roll Forward] | ||||
| Beginning Balance | 4,470,000 | 5,204,000 | 4,129,000 | 5,440,000 |
| Provision for Credit Losses | 1,060,000 | (1,030,000) | 1,374,000 | (1,335,000) |
| Charge-Offs | 0 | (65,000) | 0 | (71,000) |
| Recoveries | 115,000 | 244,000 | 142,000 | 319,000 |
| Net (Charge-Offs) Recoveries | 115,000 | 179,000 | 142,000 | 248,000 |
| Ending Balance | 5,645,000 | 4,353,000 | 5,645,000 | 4,353,000 |
| Real Estate - Home Equity [Member] | ||||
| Financing Receivable, Allowance for Credit Loss [Roll Forward] | ||||
| Beginning Balance | 1,916,000 | 2,575,000 | 2,296,000 | 3,111,000 |
| Provision for Credit Losses | (223,000) | (114,000) | (628,000) | (769,000) |
| Charge-Offs | 0 | (74,000) | (33,000) | (79,000) |
| Recoveries | 67,000 | 70,000 | 125,000 | 194,000 |
| Net (Charge-Offs) Recoveries | 67,000 | (4,000) | 92,000 | 115,000 |
| Ending Balance | 1,760,000 | 2,457,000 | 1,760,000 | 2,457,000 |
| Consumer [Member] | ||||
| Financing Receivable, Allowance for Credit Loss [Roll Forward] | ||||
| Beginning Balance | 4,260,000 | 3,080,000 | 3,878,000 | 3,553,000 |
| Provision for Credit Losses | 123,000 | (76,000) | 1,191,000 | (171,000) |
| Charge-Offs | (1,193,000) | (670,000) | (2,595,000) | (1,726,000) |
| Recoveries | 855,000 | 731,000 | 1,571,000 | 1,409,000 |
| Net (Charge-Offs) Recoveries | (338,000) | 61,000 | (1,024,000) | (317,000) |
| Ending Balance | $ 4,045,000 | $ 3,065,000 | $ 4,045,000 | $ 3,065,000 |