Quarterly report pursuant to Section 13 or 15(d)

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

v3.23.4
LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Activity in allowance for credit losses) (Details) - USD ($)
3 Months Ended 6 Months Ended
Jun. 30, 2023
Jun. 30, 2022
Jun. 30, 2023
Jun. 30, 2022
Financing Receivable, Allowance for Credit Loss [Roll Forward]        
Beginning Balance $ 26,808,000 $ 20,788,000 $ 25,068,000 $ 21,606,000
Provision for Credit Losses 1,922,000 1,820,000 5,182,000 1,773,000
Charge-Offs (1,980,000) (2,297,000) (4,630,000) (4,071,000)
Recoveries 1,493,000 1,152,000 2,623,000 2,155,000
Net (Charge-Offs) Recoveries (487,000) (1,145,000) (2,007,000) (1,916,000)
Ending Balance 28,243,000 21,463,000 28,243,000 21,463,000
Commercial, Financial and Agricultural [Member]        
Financing Receivable, Allowance for Credit Loss [Roll Forward]        
Beginning Balance 1,515,000 2,122,000 1,506,000 2,191,000
Provision for Credit Losses (86,000) 564,000 (8,000) 403,000
Charge-Offs (54,000) (1,104,000) (218,000) (1,177,000)
Recoveries 71,000 59,000 166,000 224,000
Net (Charge-Offs) Recoveries 17,000 (1,045,000) (52,000) (953,000)
Ending Balance 1,446,000 1,641,000 1,446,000 1,641,000
Real Estate - Construction [Member]        
Financing Receivable, Allowance for Credit Loss [Roll Forward]        
Beginning Balance 3,359,000 2,596,000 2,654,000 3,302,000
Provision for Credit Losses (512,000) 542,000 192,000 (172,000)
Charge-Offs 0 0 0 0
Recoveries 1,000 0 2,000 8,000
Net (Charge-Offs) Recoveries 1,000 0 2,000 8,000
Ending Balance 2,848,000 3,138,000 2,848,000 3,138,000
Real Estate - Commercial Mortgage [Member]        
Financing Receivable, Allowance for Credit Loss [Roll Forward]        
Beginning Balance 4,710,000 5,392,000 4,815,000 5,810,000
Provision for Credit Losses 732,000 (396,000) 739,000 (577,000)
Charge-Offs 0 0 (120,000) (266,000)
Recoveries 11,000 56,000 19,000 85,000
Net (Charge-Offs) Recoveries 11,000 56,000 (101,000) (181,000)
Ending Balance 5,453,000 5,052,000 5,453,000 5,052,000
Real Estate - Residential [Member]        
Financing Receivable, Allowance for Credit Loss [Roll Forward]        
Beginning Balance 11,950,000 4,502,000 10,741,000 4,129,000
Provision for Credit Losses 1,306,000 1,210,000 2,458,000 1,556,000
Charge-Offs 0 0 0 0
Recoveries 132,000 115,000 189,000 142,000
Net (Charge-Offs) Recoveries 132,000 115,000 189,000 142,000
Ending Balance 13,388,000 5,827,000 13,388,000 5,827,000
Real Estate - Home Equity [Member]        
Financing Receivable, Allowance for Credit Loss [Roll Forward]        
Beginning Balance 1,879,000 1,916,000 1,864,000 2,296,000
Provision for Credit Losses (188,000) (223,000) (198,000) (628,000)
Charge-Offs (39,000) 0 (39,000) (33,000)
Recoveries 131,000 67,000 156,000 125,000
Net (Charge-Offs) Recoveries 92,000 67,000 117,000 92,000
Ending Balance 1,783,000 1,760,000 1,783,000 1,760,000
Consumer [Member]        
Financing Receivable, Allowance for Credit Loss [Roll Forward]        
Beginning Balance 3,395,000 4,260,000 3,488,000 3,878,000
Provision for Credit Losses 670,000 123,000 1,999,000 1,191,000
Charge-Offs (1,887,000) (1,193,000) (4,253,000) (2,595,000)
Recoveries 1,147,000 855,000 2,091,000 1,571,000
Net (Charge-Offs) Recoveries (740,000) (338,000) (2,162,000) (1,024,000)
Ending Balance $ 3,325,000 $ 4,045,000 $ 3,325,000 $ 4,045,000