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SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables) | 12 Months Ended
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Dec. 31, 2018
Accounting Policies [Abstract] |
Schedule of Qualitative Factors | The following table shows the types of qualitative factors management considers:
QUALITATIVE FACTORS
Portfolio |  | National / International |  | Local
Experience and ability of lending team |  | Interest rates |  | Gross state product
Pace of loan growth |  | Inflation |  | Unemployment rate
Footprint and expansion |  | Unemployment |  | Home prices
Execution of loan risk rating process |  | Level of economic activity |  | CRE prices
Degree of credit oversight |  | Political and trade uncertainty |  |
Underwriting standards |  | Asset prices |  |
Delinquency levels in portfolio |  |  |  |
Charge-off trends in portfolio |  |  |  |
Credit concentrations / nature and volume of the portfolio |  |  |  |

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