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LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Activity in the allowance for credit losses) (Details) - USD ($) | 3 Months Ended | 6 Months Ended
--- | --- | ---
Jun. 30, 2021 | Jun. 30, 2020 | Jun. 30, 2021 | Jun. 30, 2020
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning Balance | $ 22,026,000 | $ 21,083,000 | $ 23,816,000 | $ 13,905,000
Provision for credit losses | (184,000) | 1,615,000 | (2,496,000) | 6,605,000
Charge-Offs | (841,000) | (1,414,000) | (1,977,000) | (3,494,000)
Recoveries | 1,174,000 | 1,173,000 | 2,832,000 | 2,172,000
Net Charge-Offs | 333,000 | (241,000) | 855,000 | (1,322,000)
Ending Balance | 22,175,000 | 22,457,000 | 22,175,000 | 22,457,000
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 | 1,957,000 | 2,247,000 | 2,204,000 | 1,675,000
Provision for credit losses | (56,000) | 333,000 | (370,000) | 739,000
Charge-Offs | (32,000) | (186,000) | (101,000) | (548,000)
Recoveries | 103,000 | 74,000 | 239,000 | 114,000
Net Charge-Offs | 71,000 | (112,000) | 138,000 | (434,000)
Ending Balance | 1,972,000 | 2,468,000 | 1,972,000 | 2,468,000
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 | 2,254,000 | 1,239,000 | 2,479,000 | 370,000
Provision for credit losses | 505,000 | 716,000 | 280,000 | 1,283,000
Charge-Offs | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0
Net Charge-Offs | 0 | 0 | 0 | 0
Ending Balance | 2,759,000 | 1,955,000 | 2,759,000 | 1,955,000
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 | 6,956,000 | 5,828,000 | 7,029,000 | 3,416,000
Provision for credit losses | 587,000 | 742,000 | (131,000) | 1,516,000
Charge-Offs | 0 | 0 | 0 | (11,000)
Recoveries | 26,000 | 70,000 | 671,000 | 261,000
Net Charge-Offs | 26,000 | 70,000 | 671,000 | 250,000
Ending Balance | 7,569,000 | 6,640,000 | 7,569,000 | 6,640,000
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 | 5,204,000 | 6,005,000 | 5,440,000 | 3,128,000
Provision for credit losses | (1,030,000) | (615,000) | (1,335,000) | 1,089,000
Charge-Offs | (65,000) | (1,000) | (71,000) | (111,000)
Recoveries | 244,000 | 51,000 | 319,000 | 91,000
Net Charge-Offs | 179,000 | 50,000 | 248,000 | (20,000)
Ending Balance | 4,353,000 | 5,440,000 | 4,353,000 | 5,440,000
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 | 2,575,000 | 2,701,000 | 3,111,000 | 2,224,000
Provision for credit losses | (114,000) | 40,000 | (769,000) | 141,000
Charge-Offs | (74,000) | (52,000) | (79,000) | (83,000)
Recoveries | 70,000 | 64,000 | 194,000 | 97,000
Net Charge-Offs | (4,000) | 12,000 | 115,000 | 14,000
Ending Balance | 2,457,000 | 2,753,000 | 2,457,000 | 2,753,000
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 | 3,080,000 | 3,063,000 | 3,553,000 | 3,092,000
Provision for credit losses | (76,000) | 399,000 | (171,000) | 1,837,000
Charge-Offs | (670,000) | (1,175,000) | (1,726,000) | (2,741,000)
Recoveries | 731,000 | 914,000 | 1,409,000 | 1,609,000
Net Charge-Offs | 61,000 | (261,000) | (317,000) | (1,132,000)
Ending Balance | $ 3,065,000 | $ 3,201,000 | $ 3,065,000 | 3,201,000
Consumer [Member] | Impact of Adoption of ASC 326 [Member] |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning Balance |  |  |  | $ (596,000)

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- Definition Amount of allowance for credit loss on financing receivable. Excludes allowance for financing receivable covered under loss sharing agreement. + References Reference 1: 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=121611835&loc=SL6953423-111524 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 210 -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-03(7)(2)) -URI http://asc.fasb.org/extlink&oid=120398452&loc=d3e534808-122878 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 45 -Paragraph 1 -URI http://asc.fasb.org/extlink&oid=121599878&loc=SL82895884-210446 Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 13 -Subparagraph (a) -URI http://asc.fasb.org/extlink&oid=121599337&loc=SL82919249-210447 Reference 5: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 13 -Subparagraph (f) -URI http://asc.fasb.org/extlink&oid=121599337&loc=SL82919249-210447 + Details
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