Quarterly report pursuant to Section 13 or 15(d)

LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Activity in the allowance for credit losses) (Details)

v3.21.2
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, 2021
Jun. 30, 2020
Jun. 30, 2021
Jun. 30, 2020
Financing Receivable, Allowance for Credit Loss [Roll Forward]        
Beginning Balance $ 22,026,000 $ 21,083,000 $ 23,816,000 $ 13,905,000
Provision for credit losses (184,000) 1,615,000 (2,496,000) 6,605,000
Charge-Offs (841,000) (1,414,000) (1,977,000) (3,494,000)
Recoveries 1,174,000 1,173,000 2,832,000 2,172,000
Net Charge-Offs 333,000 (241,000) 855,000 (1,322,000)
Ending Balance 22,175,000 22,457,000 22,175,000 22,457,000
Impact of Adoption of ASC 326 [Member]        
Financing Receivable, Allowance for Credit Loss [Roll Forward]        
Beginning Balance       3,269,000
Commercial, Financial and Agricultural [Member]        
Financing Receivable, Allowance for Credit Loss [Roll Forward]        
Beginning Balance 1,957,000 2,247,000 2,204,000 1,675,000
Provision for credit losses (56,000) 333,000 (370,000) 739,000
Charge-Offs (32,000) (186,000) (101,000) (548,000)
Recoveries 103,000 74,000 239,000 114,000
Net Charge-Offs 71,000 (112,000) 138,000 (434,000)
Ending Balance 1,972,000 2,468,000 1,972,000 2,468,000
Commercial, Financial and Agricultural [Member] | Impact of Adoption of ASC 326 [Member]        
Financing Receivable, Allowance for Credit Loss [Roll Forward]        
Beginning Balance       488,000
Real Estate - Construction [Member]        
Financing Receivable, Allowance for Credit Loss [Roll Forward]        
Beginning Balance 2,254,000 1,239,000 2,479,000 370,000
Provision for credit losses 505,000 716,000 280,000 1,283,000
Charge-Offs 0 0 0 0
Recoveries 0 0 0 0
Net Charge-Offs 0 0 0 0
Ending Balance 2,759,000 1,955,000 2,759,000 1,955,000
Real Estate - Construction [Member] | Impact of Adoption of ASC 326 [Member]        
Financing Receivable, Allowance for Credit Loss [Roll Forward]        
Beginning Balance       302,000
Real Estate - Commercial Mortgage [Member]        
Financing Receivable, Allowance for Credit Loss [Roll Forward]        
Beginning Balance 6,956,000 5,828,000 7,029,000 3,416,000
Provision for credit losses 587,000 742,000 (131,000) 1,516,000
Charge-Offs 0 0 0 (11,000)
Recoveries 26,000 70,000 671,000 261,000
Net Charge-Offs 26,000 70,000 671,000 250,000
Ending Balance 7,569,000 6,640,000 7,569,000 6,640,000
Real Estate - Commercial Mortgage [Member] | Impact of Adoption of ASC 326 [Member]        
Financing Receivable, Allowance for Credit Loss [Roll Forward]        
Beginning Balance       1,458,000
Real Estate - Residential [Member]        
Financing Receivable, Allowance for Credit Loss [Roll Forward]        
Beginning Balance 5,204,000 6,005,000 5,440,000 3,128,000
Provision for credit losses (1,030,000) (615,000) (1,335,000) 1,089,000
Charge-Offs (65,000) (1,000) (71,000) (111,000)
Recoveries 244,000 51,000 319,000 91,000
Net Charge-Offs 179,000 50,000 248,000 (20,000)
Ending Balance 4,353,000 5,440,000 4,353,000 5,440,000
Real Estate - Residential [Member] | Impact of Adoption of ASC 326 [Member]        
Financing Receivable, Allowance for Credit Loss [Roll Forward]        
Beginning Balance       1,243,000
Real Estate - Home Equity [Member]        
Financing Receivable, Allowance for Credit Loss [Roll Forward]        
Beginning Balance 2,575,000 2,701,000 3,111,000 2,224,000
Provision for credit losses (114,000) 40,000 (769,000) 141,000
Charge-Offs (74,000) (52,000) (79,000) (83,000)
Recoveries 70,000 64,000 194,000 97,000
Net Charge-Offs (4,000) 12,000 115,000 14,000
Ending Balance 2,457,000 2,753,000 2,457,000 2,753,000
Real Estate - Home Equity [Member] | Impact of Adoption of ASC 326 [Member]        
Financing Receivable, Allowance for Credit Loss [Roll Forward]        
Beginning Balance       374,000
Consumer [Member]        
Financing Receivable, Allowance for Credit Loss [Roll Forward]        
Beginning Balance 3,080,000 3,063,000 3,553,000 3,092,000
Provision for credit losses (76,000) 399,000 (171,000) 1,837,000
Charge-Offs (670,000) (1,175,000) (1,726,000) (2,741,000)
Recoveries 731,000 914,000 1,409,000 1,609,000
Net Charge-Offs 61,000 (261,000) (317,000) (1,132,000)
Ending Balance $ 3,065,000 $ 3,201,000 $ 3,065,000 3,201,000
Consumer [Member] | Impact of Adoption of ASC 326 [Member]        
Financing Receivable, Allowance for Credit Loss [Roll Forward]        
Beginning Balance       $ (596,000)