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LOANS AND ALLOWANCE FOR CREDIT LOSSES - Schedule of Allowance for Loan Losses Activity (Details) - USD ($) $ in Thousands | 3 Months Ended | 12 Months Ended
--- | --- | ---
Mar. 31, 2020 | Mar. 31, 2019 | Dec. 31, 2019
Allowance for credit losses: |  |  |
Beginning balance | $ 16,202 | $ 14,651 | $ 14,651
Impact of adopting ASC 326 | 4,548 |  |
Provision for credit losses and Loans losses | 487 | 575 | 1,250
Provision for credit losses - COVID-19 | 913 |  |
Loans charged-off | (224) | (78) | (453)
Recoveries | 22 | 42 | 754
Ending balance | 21,948 | 15,190 | 16,202
Commercial and industrial |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 2,056 | 1,751 | 1,751
Impact of adopting ASC 326 | 546 |  |
Provision for credit losses and Loans losses | 365 | 213 | (117)
Loans charged-off | (43) | (6) | (86)
Recoveries |  | 5 | 508
Ending balance | 2,924 | 1,963 | 2,056
Construction and development |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 2,378 | 1,920 | 1,920
Impact of adopting ASC 326 | 323 |  |
Provision for credit losses and Loans losses | (229) | 81 | 458
Provision for credit losses - COVID-19 | 106 |  |
Ending balance | 2,578 | 2,001 | 2,378
Commercial real estate |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 6,853 | 6,025 | 6,025
Impact of adopting ASC 326 | 2,228 |  |
Provision for credit losses and Loans losses | 447 | 269 | 827
Provision for credit losses - COVID-19 | 233 |  |
Recoveries |  |  | 1
Ending balance | 9,761 | 6,294 | 6,853
Farmland |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 570 | 643 | 643
Impact of adopting ASC 326 | 26 |  |
Provision for credit losses and Loans losses | 193 | 16 | (73)
Provision for credit losses - COVID-19 | 3 |  |
Ending balance | 792 | 659 | 570
1-4 family residential |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 3,125 | 2,868 | 2,868
Impact of adopting ASC 326 | 1,339 |  |
Provision for credit losses and Loans losses | (250) | 7 | 268
Loans charged-off | (59) | (6) | (14)
Recoveries | 1 | 1 | 3
Ending balance | 4,156 | 2,870 | 3,125
Multi-family residential |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 409 | 631 | 631
Impact of adopting ASC 326 | (50) |  |
Provision for credit losses and Loans losses | (170) | (56) | (222)
Ending balance | 189 | 575 | 409
Consumer |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 602 | 565 | 565
Impact of adopting ASC 326 | 72 |  |
Provision for credit losses and Loans losses | 85 | 46 | (2)
Loans charged-off | (73) | (17) | (72)
Recoveries | 7 | 23 | 111
Ending balance | 693 | 617 | 602
Agricultural |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 197 | 238 | 238
Impact of adopting ASC 326 | 73 |  |
Provision for credit losses and Loans losses | 11 | (35) | (41)
Loans charged-off |  |  | (89)
Recoveries |  |  | 89
Ending balance | 281 | 203 | 197
Overdrafts |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 12 | 10 | 10
Impact of adopting ASC 326 | (9) |  |
Provision for credit losses and Loans losses | 35 | 34 | 152
Loans charged-off | (49) | (49) | (192)
Recoveries | 14 | 13 | 42
Ending balance | 3 | $ 8 | $ 12
Unallocated COVID-19 reserve |  |  |
Allowance for credit losses: |  |  |
Provision for credit losses - COVID-19 | 571 |  |
Ending balance | $ 571 |  |

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