LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Activity in the allowance for credit losses) (Details) - USD ($) |
3 Months Ended | 9 Months Ended | ||
|---|---|---|---|---|
Sep. 30, 2022 |
Sep. 30, 2021 |
Sep. 30, 2022 |
Sep. 30, 2021 |
|
| Financing Receivable, Allowance for Credit Loss [Roll Forward] | ||||
| Beginning Balance | $ 21,281,000 | $ 22,175,000 | $ 21,606,000 | $ 23,816,000 |
| Provision for Credit Losses | 1,931,000 | (546,000) | 3,522,000 | (3,042,000) |
| Charge-Offs | (1,762,000) | (1,788,000) | (5,833,000) | (3,765,000) |
| Recoveries | 1,060,000 | 1,659,000 | 3,215,000 | 4,491,000 |
| Net (Charge-Offs) Recoveries | (702,000) | (129,000) | (2,618,000) | 726,000 |
| Ending Balance | 22,510,000 | 21,500,000 | 22,510,000 | 21,500,000 |
| Commercial, Financial and Agricultural [Member] | ||||
| Financing Receivable, Allowance for Credit Loss [Roll Forward] | ||||
| Beginning Balance | 1,641,000 | 1,972,000 | 2,191,000 | 2,204,000 |
| Provision for Credit Losses | (136,000) | 178,000 | 267,000 | (192,000) |
| Charge-Offs | (2,000) | (37,000) | (1,179,000) | (138,000) |
| Recoveries | 58,000 | 66,000 | 282,000 | 305,000 |
| Net (Charge-Offs) Recoveries | 56,000 | 29,000 | (897,000) | 167,000 |
| Ending Balance | 1,561,000 | 2,179,000 | 1,561,000 | 2,179,000 |
| Real Estate - Construction [Member] | ||||
| Financing Receivable, Allowance for Credit Loss [Roll Forward] | ||||
| Beginning Balance | 3,138,000 | 2,759,000 | 3,302,000 | 2,479,000 |
| Provision for Credit Losses | (22,000) | 517,000 | (194,000) | 797,000 |
| Charge-Offs | 0 | 0 | 0 | 0 |
| Recoveries | 2,000 | 10,000 | 10,000 | 10,000 |
| Net (Charge-Offs) Recoveries | 2,000 | 10,000 | 10,000 | 10,000 |
| Ending Balance | 3,118,000 | 3,286,000 | 3,118,000 | 3,286,000 |
| Real Estate - Commercial Mortgage [Member] | ||||
| Financing Receivable, Allowance for Credit Loss [Roll Forward] | ||||
| Beginning Balance | 5,052,000 | 7,569,000 | 5,810,000 | 7,029,000 |
| Provision for Credit Losses | (120,000) | (1,588,000) | (697,000) | (1,719,000) |
| Charge-Offs | (1,000) | (405,000) | (267,000) | (405,000) |
| Recoveries | 8,000 | 169,000 | 93,000 | 840,000 |
| Net (Charge-Offs) Recoveries | 7,000 | (236,000) | (174,000) | 435,000 |
| Ending Balance | 4,939,000 | 5,745,000 | 4,939,000 | 5,745,000 |
| Real Estate - Residential [Member] | ||||
| Financing Receivable, Allowance for Credit Loss [Roll Forward] | ||||
| Beginning Balance | 5,645,000 | 4,353,000 | 4,129,000 | 5,440,000 |
| Provision for Credit Losses | 1,333,000 | (433,000) | 2,707,000 | (1,768,000) |
| Charge-Offs | 0 | (17,000) | 0 | (88,000) |
| Recoveries | 44,000 | 401,000 | 186,000 | 720,000 |
| Net (Charge-Offs) Recoveries | 44,000 | 384,000 | 186,000 | 632,000 |
| Ending Balance | 7,022,000 | 4,304,000 | 7,022,000 | 4,304,000 |
| Real Estate - Home Equity [Member] | ||||
| Financing Receivable, Allowance for Credit Loss [Roll Forward] | ||||
| Beginning Balance | 1,760,000 | 2,457,000 | 2,296,000 | 3,111,000 |
| Provision for Credit Losses | 127,000 | (131,000) | (501,000) | (900,000) |
| Charge-Offs | 0 | (15,000) | (33,000) | (94,000) |
| Recoveries | 22,000 | 46,000 | 147,000 | 240,000 |
| Net (Charge-Offs) Recoveries | 22,000 | 31,000 | 114,000 | 146,000 |
| Ending Balance | 1,909,000 | 2,357,000 | 1,909,000 | 2,357,000 |
| Consumer [Member] | ||||
| Financing Receivable, Allowance for Credit Loss [Roll Forward] | ||||
| Beginning Balance | 4,045,000 | 3,065,000 | 3,878,000 | 3,553,000 |
| Provision for Credit Losses | 749,000 | 911,000 | 1,940,000 | 740,000 |
| Charge-Offs | (1,759,000) | (1,314,000) | (4,354,000) | (3,040,000) |
| Recoveries | 926,000 | 967,000 | 2,497,000 | 2,376,000 |
| Net (Charge-Offs) Recoveries | (833,000) | (347,000) | (1,857,000) | (664,000) |
| Ending Balance | $ 3,961,000 | $ 3,629,000 | $ 3,961,000 | $ 3,629,000 |