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LOANS AND ALLOWANCE FOR LOAN LOSSES (Schedule of Expected Commercial Loan Modifications) (Details) | 12 Months Ended
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Dec. 31, 2020 USD ($) Contract
Financing Receivable, Troubled Debt Restructuring [Line Items] |
Number of loans expected to be modified | Contract | 38
Balance of loans expected to be modified | $ | $ 35,464,419
Percentage of Loan Portfolio | 2.17%
Percentage of Capital | 13.75%
Lessors of Commercial Real Estate |
Financing Receivable, Troubled Debt Restructuring [Line Items] |
Number of loans expected to be modified | Contract | 7
Balance of loans expected to be modified | $ | $ 7,165,485
Percentage of Loan Portfolio | 0.44%
Percentage of Capital | 2.78%
Lessors of Residential Real Estate |
Financing Receivable, Troubled Debt Restructuring [Line Items] |
Number of loans expected to be modified | Contract | 1
Balance of loans expected to be modified | $ | $ 18,066
Percentage of Loan Portfolio | 0.00%
Percentage of Capital | 0.01%
Hospitality Industry (Hotels/Bed & Breakfast) |
Financing Receivable, Troubled Debt Restructuring [Line Items] |
Number of loans expected to be modified | Contract | 7
Balance of loans expected to be modified | $ | $ 18,394,377
Percentage of Loan Portfolio | 1.12%
Percentage of Capital | 7.13%
Food Services Industry |
Financing Receivable, Troubled Debt Restructuring [Line Items] |
Number of loans expected to be modified | Contract | 3
Balance of loans expected to be modified | $ | $ 4,535,983
Percentage of Loan Portfolio | 0.28%
Percentage of Capital | 1.76%
Other |
Financing Receivable, Troubled Debt Restructuring [Line Items] |
Number of loans expected to be modified | Contract | 20
Balance of loans expected to be modified | $ | $ 5,350,508
Percentage of Loan Portfolio | 0.33%
Percentage of Capital | 2.07%

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