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LOANS AND ALLOWANCE FOR CREDIT LOSSES - Schedule of Allowance for Credit Losses Activity (Details) - USD ($) $ in Thousands | 3 Months Ended | 12 Months Ended
--- | --- | ---
Mar. 31, 2022 | Mar. 31, 2021 | Dec. 31, 2021
Allowance for credit losses: |  |  |
Beginning balance | $ 30,433 | $ 33,619 | $ 33,619
(Reversal of) provision for credit losses | (1,250) | 0 | (1,700)
Loans charged-off | (203) | (875) | (1,641)
Recoveries | 116 | 26 | 155
Ending balance | 29,096 | 32,770 | 30,433
Commercial and industrial |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 3,600 | 4,033 | 4,033
(Reversal of) provision for credit losses | 230 | (504) | (43)
Loans charged-off | (119) | (7) | (411)
Recoveries | 39 | 7 | 21
Ending balance | 3,750 | 3,529 | 3,600
Construction and development |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 4,221 | 4,735 | 4,735
(Reversal of) provision for credit losses | (323) | (538) | (515)
Loans charged-off |  | 0 | 0
Recoveries | 0 | 1 | 1
Ending balance | 3,898 | 4,198 | 4,221
Commercial real estate |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 13,765 | 15,780 | 15,780
(Reversal of) provision for credit losses | (1,569) | 1,087 | (1,229)
Loans charged-off | 0 | (758) | (816)
Recoveries | 1 |  | 30
Ending balance | 12,197 | 16,109 | 13,765
Farmland |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 1,698 | 1,220 | 1,220
(Reversal of) provision for credit losses | 302 | (163) | 478
Loans charged-off |  | 0 | 0
Ending balance | 2,000 | 1,057 | 1,698
1-4 family residential |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 5,818 | 6,313 | 6,313
(Reversal of) provision for credit losses | (119) | 13 | (495)
Loans charged-off |  | 0 | 0
Recoveries | 30 | 0 | 0
Ending balance | 5,729 | 6,326 | 5,818
Multi-family residential |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 396 | 363 | 363
(Reversal of) provision for credit losses | 60 | 133 | 33
Loans charged-off |  | 0 | 0
Ending balance | 456 | 496 | 396
Consumer |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 762 | 929 | 929
(Reversal of) provision for credit losses | 146 | (29) | (51)
Loans charged-off | (17) | (61) | (151)
Recoveries | 16 | 4 | 35
Ending balance | 907 | 843 | 762
Agricultural |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 169 | 239 | 239
(Reversal of) provision for credit losses | (13) | (31) | (78)
Loans charged-off |  | 0 | 0
Recoveries |  | 0 | 8
Ending balance | 156 | 208 | 169
Overdrafts |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 4 | 7 | 7
(Reversal of) provision for credit losses | 36 | 32 | 200
Loans charged-off | (67) | (49) | (263)
Recoveries | 30 | 14 | 60
Ending balance | $ 3 | $ 4 | $ 4

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