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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 | 9 Months Ended
--- | --- | ---
Sep. 30, 2021 | Sep. 30, 2020 | Sep. 30, 2021 | Sep. 30, 2020
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning Balance | $ 22,175,000 | $ 22,457,000 | $ 23,816,000 | $ 13,905,000
Provision for credit losses | (546,000) | 1,265,000 | (3,042,000) | 7,870,000
Charge-Offs | (1,788,000) | (1,282,000) | (3,765,000) | (4,776,000)
Recoveries | 1,659,000 | 697,000 | 4,491,000 | 2,869,000
Net Charge-Offs | (129,000) | (585,000) | 726,000 | (1,907,000)
Ending Balance | 21,500,000 | 23,137,000 | 21,500,000 | 23,137,000
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 | 1,972,000 | 2,468,000 | 2,204,000 | 1,675,000
Provision for credit losses | 178,000 | (195,000) | (192,000) | 544,000
Charge-Offs | (37,000) | (137,000) | (138,000) | (685,000)
Recoveries | 66,000 | 74,000 | 305,000 | 188,000
Net Charge-Offs | 29,000 | (63,000) | 167,000 | (497,000)
Ending Balance | 2,179,000 | 2,210,000 | 2,179,000 | 2,210,000
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 | 2,759,000 | 1,955,000 | 2,479,000 | 370,000
Provision for credit losses | 517,000 | 161,000 | 797,000 | 1,444,000
Charge-Offs | 0 | 0 | 0 | 0
Recoveries | 10,000 | 0 | 10,000 | 0
Net Charge-Offs | 10,000 | 0 | 10,000 | 0
Ending Balance | 3,286,000 | 2,116,000 | 3,286,000 | 2,116,000
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 | 7,569,000 | 6,640,000 | 7,029,000 | 3,416,000
Provision for credit losses | (1,588,000) | 616,000 | (1,719,000) | 2,132,000
Charge-Offs | (405,000) | (17,000) | (405,000) | (28,000)
Recoveries | 169,000 | 30,000 | 840,000 | 291,000
Net Charge-Offs | (236,000) | 13,000 | 435,000 | 263,000
Ending Balance | 5,745,000 | 7,269,000 | 5,745,000 | 7,269,000
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 | 4,353,000 | 5,440,000 | 5,440,000 | 3,128,000
Provision for credit losses | (433,000) | (344,000) | (1,768,000) | 745,000
Charge-Offs | (17,000) | (1,000) | (88,000) | (112,000)
Recoveries | 401,000 | 35,000 | 720,000 | 126,000
Net Charge-Offs | 384,000 | 34,000 | 632,000 | 14,000
Ending Balance | 4,304,000 | 5,130,000 | 4,304,000 | 5,130,000
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 | 2,457,000 | 2,753,000 | 3,111,000 | 2,224,000
Provision for credit losses | (131,000) | 196,000 | (900,000) | 337,000
Charge-Offs | (15,000) | (58,000) | (94,000) | (141,000)
Recoveries | 46,000 | 41,000 | 240,000 | 138,000
Net Charge-Offs | 31,000 | (17,000) | 146,000 | (3,000)
Ending Balance | 2,357,000 | 2,932,000 | 2,357,000 | 2,932,000
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 | 3,065,000 | 3,201,000 | 3,553,000 | 3,092,000
Provision for credit losses | 911,000 | 831,000 | 740,000 | 2,668,000
Charge-Offs | (1,314,000) | (1,069,000) | (3,040,000) | (3,810,000)
Recoveries | 967,000 | 517,000 | 2,376,000 | 2,126,000
Net Charge-Offs | (347,000) | (552,000) | (664,000) | (1,684,000)
Ending Balance | $ 3,629,000 | $ 3,480,000 | $ 3,629,000 | 3,480,000
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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