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LOANS AND ALLOWANCE FOR CREDIT LOSSES - Schedule of Allowance for Credit Losses Activity (Details) - USD ($) $ in Thousands | 12 Months Ended
--- | ---
Dec. 31, 2021 | Dec. 31, 2020 | Dec. 31, 2019
Allowance for credit losses: |  |  |
Beginning balance, prior to adoption of ASC 326 | $ 33,619 | $ 16,202 | $ 14,651
Impact of adopting ASC 326 |  | 4,548 |
Provision for credit losses | (1,700) | 13,200 | 1,250
Loans charged-off | (1,641) | (543) | (453)
Recoveries | 155 | 212 | 754
Ending balance | 30,433 | 33,619 | 16,202
Commercial and industrial |  |  |
Allowance for credit losses: |  |  |
Beginning balance, prior to adoption of ASC 326 | 4,033 | 2,056 | 1,751
Impact of adopting ASC 326 |  | 546 |
Provision for credit losses | (43) | 1,398 | (117)
Loans charged-off | (411) | (68) | (86)
Recoveries | 21 | 101 | 508
Ending balance | 3,600 | 4,033 | 2,056
Construction and development |  |  |
Allowance for credit losses: |  |  |
Beginning balance, prior to adoption of ASC 326 | 4,735 | 2,378 | 1,920
Impact of adopting ASC 326 |  | 323 |
Provision for credit losses | (515) | 2,034 | 458
Recoveries | 1 |  |
Ending balance | 4,221 | 4,735 | 2,378
Commercial real estate |  |  |
Allowance for credit losses: |  |  |
Beginning balance, prior to adoption of ASC 326 | 15,780 | 6,853 | 6,025
Impact of adopting ASC 326 |  | 2,228 |
Provision for credit losses | (1,229) | 6,698 | 827
Loans charged-off | (816) |  |
Recoveries | 30 | 1 | 1
Ending balance | 13,765 | 15,780 | 6,853
Farmland |  |  |
Allowance for credit losses: |  |  |
Beginning balance, prior to adoption of ASC 326 | 1,220 | 570 | 643
Impact of adopting ASC 326 |  | 26 |
Provision for credit losses | 478 | 624 | (73)
Ending balance | 1,698 | 1,220 | 570
1-4 family residential |  |  |
Allowance for credit losses: |  |  |
Beginning balance, prior to adoption of ASC 326 | 6,313 | 3,125 | 2,868
Impact of adopting ASC 326 |  | 1,339 |
Provision for credit losses | (495) | 1,915 | 268
Loans charged-off |  | (68) | (14)
Recoveries |  | 2 | 3
Ending balance | 5,818 | 6,313 | 3,125
Multi-family residential |  |  |
Allowance for credit losses: |  |  |
Beginning balance, prior to adoption of ASC 326 | 363 | 409 | 631
Impact of adopting ASC 326 |  | (50) |
Provision for credit losses | 33 | 4 | (222)
Ending balance | 396 | 363 | 409
Consumer |  |  |
Allowance for credit losses: |  |  |
Beginning balance, prior to adoption of ASC 326 | 929 | 602 | 565
Impact of adopting ASC 326 |  | 72 |
Provision for credit losses | (51) | 373 | (2)
Loans charged-off | (151) | (155) | (72)
Recoveries | 35 | 37 | 111
Ending balance | 762 | 929 | 602
Agricultural |  |  |
Allowance for credit losses: |  |  |
Beginning balance, prior to adoption of ASC 326 | 239 | 197 | 238
Impact of adopting ASC 326 |  | 73 |
Provision for credit losses | (78) | (33) | (41)
Loans charged-off |  | (18) | (89)
Recoveries | 8 | 20 | 89
Ending balance | 169 | 239 | 197
Overdrafts |  |  |
Allowance for credit losses: |  |  |
Beginning balance, prior to adoption of ASC 326 | 7 | 12 | 10
Impact of adopting ASC 326 |  | (9) |
Provision for credit losses | 200 | 187 | 152
Loans charged-off | (263) | (234) | (192)
Recoveries | 60 | 51 | 42
Ending balance | $ 4 | $ 7 | $ 12

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- Definition Amount of recovery of loans and lease receivables which had previously been fully or partially written-off as bad debts. + 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)(4) -URI http://asc.fasb.org/extlink&oid=123577603&loc=SL6953423-111524 + Details
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