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LOANS AND ALLOWANCE FOR CREDIT LOSSES - Schedule of Allowance for Loan Losses Activity (Details) - USD ($) $ in Thousands | 3 Months Ended | 6 Months Ended | 12 Months Ended
--- | --- | --- | ---
Mar. 31, 2019 | Jun. 30, 2020 | Dec. 31, 2019
Allowance for credit losses: |  |  |
Beginning balance | $ 14,651 | $ 16,202 | $ 14,651
Impact of adopting ASC 326 |  | 4,548 |
Provision for credit losses and Loans losses | 1,150 | 13,500 | 1,250
Loans charged-off | (165) | (283) | (453)
Recoveries | 107 | 152 | 754
Ending balance | 15,743 | 34,119 | 16,202
Commercial and industrial |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 1,751 | 2,056 | 1,751
Impact of adopting ASC 326 |  | 546 |
Provision for credit losses and Loans losses | 297 | 1,491 | (117)
Loans charged-off | (49) | (43) | (86)
Recoveries | 12 | 86 | 508
Ending balance | 2,011 | 4,136 | 2,056
Construction and development |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 1,920 | 2,378 | 1,920
Impact of adopting ASC 326 |  | 323 |
Provision for credit losses and Loans losses | (45) | 2,193 | 458
Ending balance | 1,875 | 4,894 | 2,378
Commercial real estate |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 6,025 | 6,853 | 6,025
Impact of adopting ASC 326 |  | 2,228 |
Provision for credit losses and Loans losses | 747 | 6,567 | 827
Recoveries | 1 |  | 1
Ending balance | 6,773 | 15,648 | 6,853
Farmland |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 643 | 570 | 643
Impact of adopting ASC 326 |  | 26 |
Provision for credit losses and Loans losses | 15 | 654 | (73)
Ending balance | 658 | 1,250 | 570
1-4 family residential |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 2,868 | 3,125 | 2,868
Impact of adopting ASC 326 |  | 1,339 |
Provision for credit losses and Loans losses | 61 | 1,729 | 268
Loans charged-off | (6) | (59) | (14)
Recoveries | 3 | 2 | 3
Ending balance | 2,926 | 6,136 | 3,125
Multi-family residential |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 631 | 409 | 631
Impact of adopting ASC 326 |  | (50) |
Provision for credit losses and Loans losses | 45 | 245 | (222)
Ending balance | 676 | 604 | 409
Consumer |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 565 | 602 | 565
Impact of adopting ASC 326 |  | 72 |
Provision for credit losses and Loans losses | (410) | 364 | (2)
Loans charged-off | (18) | (80) | (72)
Recoveries | 67 | 17 | 111
Ending balance | 204 | 975 | 602
Agricultural |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 238 | 197 | 238
Impact of adopting ASC 326 |  | 73 |
Provision for credit losses and Loans losses | 375 | 114 | (41)
Loans charged-off |  | (18) | (89)
Recoveries |  | 20 | 89
Ending balance | 613 | 386 | 197
Overdrafts |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 10 | 12 | 10
Impact of adopting ASC 326 |  | (9) |
Provision for credit losses and Loans losses | 65 | 60 | 152
Loans charged-off | (92) | (83) | (192)
Recoveries | 24 | 27 | 42
Ending balance | $ 7 | 7 | $ 12
Specific Unallocated COVID-19 reserve |  |  |
Allowance for credit losses: |  |  |
Provision for credit losses and Loans losses |  | 83 |
Ending balance |  | $ 83 |

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