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ALLOWANCE FOR CREDIT LOSSES AND RESERVE FOR OFF-BALANCE SHEET CREDIT EXPOSURE (Details) - USD ($) $ in Thousands | 3 Months Ended | 6 Months Ended
--- | --- | ---
Jun. 30, 2022 | Jun. 30, 2021 | Jun. 30, 2022 | Jun. 30, 2021
Changes in the allowance |  |  |  |
Beginning balance | $ 64,754 | $ 81,553 | $ 68,097 | $ 83,269
(Credit) provision for credit losses | 989 | (3,443) | (2,206) | (4,264)
Subtotal | 66,210 | 78,590 | 66,622 | 79,332
Charge-offs | 1,877 | 1,924 | 3,347 | 3,631
Recoveries | 878 | 1,115 | 1,936 | 2,080
Net charge-offs (recoveries) | 999 | 809 | 1,411 | 1,551
Ending balance | 65,211 | 77,781 | 65,211 | 77,781
Provision (credit) for credit losses on loans | 1,456 | (2,963) | (1,475) | (3,937)
Off-Balance Sheet, Credit Loss, Liability [Roll Forward] |  |  |  |
Off-balance sheet, credit loss, liability, beginning balance |  | 5,037 | 4,804 | 4,884
(Credit) provision for off-balance sheet credit exposures | (500) | (200) | (700) | (200)
Off-balance sheet, credit loss, liability, ending balance | 4,073 | 4,744 | 4,073 | 4,744
Provision (credit) on accrued interest receivable |  | (200) |  | (200)
Commercial, financial and agricultural: |  |  |  |
Changes in the allowance |  |  |  |
Beginning balance | 36 | 489 | 77 | 304
Subtotal | 15 | 356 | 15 | 356
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0
Net charge-offs (recoveries) | 0 | 0 | 0 | 0
Ending balance | 15 | 356 | 15 | 356
Provision (credit) for credit losses on loans | (21) | (133) | (62) | 52
Other |  |  |  |
Changes in the allowance |  |  |  |
Beginning balance | 9,562 | 15,464 | 10,314 | 18,717
Subtotal | 7,997 | 13,539 | 7,901 | 14,059
Charge-offs | 487 | 401 | 741 | 1,010
Recoveries | 215 | 276 | 565 | 365
Net charge-offs (recoveries) | 272 | 125 | 176 | 645
Ending balance | 7,725 | 13,414 | 7,725 | 13,414
Provision (credit) for credit losses on loans | (1,565) | (1,925) | (2,413) | (4,658)
Construction | Real Estate |  |  |  |
Changes in the allowance |  |  |  |
Beginning balance | 3,836 | 5,047 | 3,908 | 4,277
Subtotal | 3,003 | 4,693 | 3,003 | 4,693
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 62 | 0 | 62 | 0
Net charge-offs (recoveries) | (62) | 0 | (62) | 0
Ending balance | 3,065 | 4,693 | 3,065 | 4,693
Provision (credit) for credit losses on loans | (833) | (354) | (905) | 416
Residential Mortgage | Real Estate |  |  |  |
Changes in the allowance |  |  |  |
Beginning balance | 11,043 | 15,357 | 12,463 | 16,484
Subtotal | 12,731 | 16,725 | 12,619 | 16,619
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 36 | 186 | 148 | 292
Net charge-offs (recoveries) | (36) | (186) | (148) | (292)
Ending balance | 12,767 | 16,911 | 12,767 | 16,911
Provision (credit) for credit losses on loans | 1,688 | 1,368 | 156 | 135
Home Equity | Real Estate |  |  |  |
Changes in the allowance |  |  |  |
Beginning balance | 4,641 | 5,251 | 4,509 | 5,449
Subtotal | 4,045 | 6,309 | 4,045 | 6,300
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 9
Net charge-offs (recoveries) | 0 | 0 | 0 | (9)
Ending balance | 4,045 | 6,309 | 4,045 | 6,309
Provision (credit) for credit losses on loans | (596) | 1,058 | (464) | 851
Commercial Mortgage | Real Estate |  |  |  |
Changes in the allowance |  |  |  |
Beginning balance | 16,055 | 22,734 | 18,411 | 22,163
Subtotal | 17,858 | 19,469 | 17,858 | 19,461
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 0 | 65 | 0 | 73
Net charge-offs (recoveries) | 0 | (65) | 0 | (73)
Ending balance | 17,858 | 19,534 | 17,858 | 19,534
Provision (credit) for credit losses on loans | 1,803 | (3,265) | (553) | (2,702)
Consumer | Consumer |  |  |  |
Changes in the allowance |  |  |  |
Beginning balance | 19,581 | 17,211 | 18,415 | 15,875
Subtotal | 20,561 | 17,499 | 21,181 | 17,844
Charge-offs | 1,390 | 1,523 | 2,606 | 2,621
Recoveries | 565 | 588 | 1,161 | 1,341
Net charge-offs (recoveries) | 825 | 935 | 1,445 | 1,280
Ending balance | 19,736 | 16,564 | 19,736 | 16,564
Provision (credit) for credit losses on loans | 980 | 288 | 2,766 | 1,969
Adjusted balance at beginning of period |  |  |  |
Off-Balance Sheet, Credit Loss, Liability [Roll Forward] |  |  |  |
Off-balance sheet, credit loss, liability, beginning balance | 4,540 |  |  |
(Credit) provision for off-balance sheet credit exposures | $ (467) | $ (293) | $ (731) | $ (140)

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- Definition Represents the balance in the allowance for loans and leases receivable after providing for estimated losses but before reflecting the write-off or recovery of bad debts. + References No definition available. + Details
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- Definition Amount of allowance to cover probable credit losses on loans and leases. Includes carryover of or adjustments to the allowance for loan losses in connection with business combinations. Excludes allowance for loans and leases covered under loss sharing agreements. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section S99 -Paragraph 4 -Subparagraph (SAB Topic 6.L.1) -URI http://asc.fasb.org/extlink&oid=122038336&loc=d3e74567-122707 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (g) -URI http://asc.fasb.org/extlink&oid=123577603&loc=SL6953423-111524 Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 30 -Section 50 -Paragraph 2 -Subparagraph (b)(1)(ii) -URI http://asc.fasb.org/extlink&oid=121614798&loc=d3e15032-111544 Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (c)(1) -URI http://asc.fasb.org/extlink&oid=123577603&loc=SL6953423-111524 + Details
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