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LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Activity in the allowance for credit losses) (Details) - USD ($) $ in Thousands | 3 Months Ended
--- | ---
Mar. 31, 2021 | Mar. 31, 2020
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |
Beginning Balance | $ 23,816 | $ 13,905
Provision for credit losses | (2,312) | 4,990
Charge-Offs | (1,136) | (2,080)
Recoveries | 1,658 | 999
Net Charge-Offs | 522 | (1,081)
Ending Balance | 22,026 | 21,083
Impact of Adoption of ASC 326 [Member] |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |
Beginning Balance |  | 3,269
Commercial, Financial and Agricultural [Member] |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |
Beginning Balance | 2,204 | 1,675
Provision for credit losses | (314) | 406
Charge-Offs | (69) | (362)
Recoveries | 136 | 40
Net Charge-Offs | 67 | (322)
Ending Balance | 1,957 | 2,247
Commercial, Financial and Agricultural [Member] | Impact of Adoption of ASC 326 [Member] |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |
Beginning Balance |  | 488
Real Estate - Construction [Member] |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |
Beginning Balance | 2,479 | 370
Provision for credit losses | (225) | 567
Charge-Offs | 0 | 0
Recoveries | 0 | 0
Net Charge-Offs | 0 | 0
Ending Balance | 2,254 | 1,239
Real Estate - Construction [Member] | Impact of Adoption of ASC 326 [Member] |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |
Beginning Balance |  | 302
Real Estate - Commercial Mortgage [Member] |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |
Beginning Balance | 7,029 | 3,416
Provision for credit losses | (718) | 774
Charge-Offs | 0 | (11)
Recoveries | 645 | 191
Net Charge-Offs | 645 | 180
Ending Balance | 6,956 | 5,828
Real Estate - Commercial Mortgage [Member] | Impact of Adoption of ASC 326 [Member] |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |
Beginning Balance |  | 1,458
Real Estate - Residential [Member] |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |
Beginning Balance | 5,440 | 3,128
Provision for credit losses | (305) | 1,704
Charge-Offs | (6) | (110)
Recoveries | 75 | 40
Net Charge-Offs | 69 | (70)
Ending Balance | 5,204 | 6,005
Real Estate - Residential [Member] | Impact of Adoption of ASC 326 [Member] |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |
Beginning Balance |  | 1,243
Real Estate - Home Equity [Member] |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |
Beginning Balance | 3,111 | 2,224
Provision for credit losses | (655) | 101
Charge-Offs | (5) | (31)
Recoveries | 124 | 33
Net Charge-Offs | 119 | 2
Ending Balance | 2,575 | 2,701
Real Estate - Home Equity [Member] | Impact of Adoption of ASC 326 [Member] |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |
Beginning Balance |  | 374
Consumer [Member] |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |
Beginning Balance | 3,553 | 3,092
Provision for credit losses | (95) | 1,438
Charge-Offs | (1,056) | (1,566)
Recoveries | 678 | 695
Net Charge-Offs | (378) | (871)
Ending Balance | $ 3,080 | 3,063
Consumer [Member] | Impact of Adoption of ASC 326 [Member] |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |
Beginning Balance |  | $ (596)

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