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 9 Months Ended
Sep. 30, 2021
Sep. 30, 2020
Sep. 30, 2021
Sep. 30, 2020
Financing Receivable, Allowance for Credit Loss [Roll Forward]        
Beginning Balance $ 22,175,000 $ 22,457,000 $ 23,816,000 $ 13,905,000
Provision for credit losses (546,000) 1,265,000 (3,042,000) 7,870,000
Charge-Offs (1,788,000) (1,282,000) (3,765,000) (4,776,000)
Recoveries 1,659,000 697,000 4,491,000 2,869,000
Net Charge-Offs (129,000) (585,000) 726,000 (1,907,000)
Ending Balance 21,500,000 23,137,000 21,500,000 23,137,000
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 1,972,000 2,468,000 2,204,000 1,675,000
Provision for credit losses 178,000 (195,000) (192,000) 544,000
Charge-Offs (37,000) (137,000) (138,000) (685,000)
Recoveries 66,000 74,000 305,000 188,000
Net Charge-Offs 29,000 (63,000) 167,000 (497,000)
Ending Balance 2,179,000 2,210,000 2,179,000 2,210,000
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 2,759,000 1,955,000 2,479,000 370,000
Provision for credit losses 517,000 161,000 797,000 1,444,000
Charge-Offs 0 0 0 0
Recoveries 10,000 0 10,000 0
Net Charge-Offs 10,000 0 10,000 0
Ending Balance 3,286,000 2,116,000 3,286,000 2,116,000
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 7,569,000 6,640,000 7,029,000 3,416,000
Provision for credit losses (1,588,000) 616,000 (1,719,000) 2,132,000
Charge-Offs (405,000) (17,000) (405,000) (28,000)
Recoveries 169,000 30,000 840,000 291,000
Net Charge-Offs (236,000) 13,000 435,000 263,000
Ending Balance 5,745,000 7,269,000 5,745,000 7,269,000
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 4,353,000 5,440,000 5,440,000 3,128,000
Provision for credit losses (433,000) (344,000) (1,768,000) 745,000
Charge-Offs (17,000) (1,000) (88,000) (112,000)
Recoveries 401,000 35,000 720,000 126,000
Net Charge-Offs 384,000 34,000 632,000 14,000
Ending Balance 4,304,000 5,130,000 4,304,000 5,130,000
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 2,457,000 2,753,000 3,111,000 2,224,000
Provision for credit losses (131,000) 196,000 (900,000) 337,000
Charge-Offs (15,000) (58,000) (94,000) (141,000)
Recoveries 46,000 41,000 240,000 138,000
Net Charge-Offs 31,000 (17,000) 146,000 (3,000)
Ending Balance 2,357,000 2,932,000 2,357,000 2,932,000
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 3,065,000 3,201,000 3,553,000 3,092,000
Provision for credit losses 911,000 831,000 740,000 2,668,000
Charge-Offs (1,314,000) (1,069,000) (3,040,000) (3,810,000)
Recoveries 967,000 517,000 2,376,000 2,126,000
Net Charge-Offs (347,000) (552,000) (664,000) (1,684,000)
Ending Balance $ 3,629,000 $ 3,480,000 $ 3,629,000 3,480,000
Consumer [Member] | Impact of Adoption of ASC 326 [Member]        
Financing Receivable, Allowance for Credit Loss [Roll Forward]        
Beginning Balance       $ (596,000)