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LOANS - Allowance for Loan Losses (Details) - USD ($) | 3 Months Ended | 6 Months Ended
--- | --- | ---
Jun. 30, 2020 | Jun. 30, 2019 | Jun. 30, 2020 | Jun. 30, 2019
Allowance for Loan losses | $ 11,330,000 | $ 8,256,000 | $ 9,836,000 | $ 9,309,000
Allowance for Loan losses, Charge-offs | (146,000) | (68,000) | (194,000) | (179,000)
Allowance for Loan losses, Recoveries | 18,000 | 16,000 | 32,000 | 31,000
Allowance for Loan losses, Provision (Credit) | (176,000) | (4,000) | 1,352,000 | (961,000)
Allowance for Loan losses | 11,026,000 | 8,200,000 | 11,026,000 | 8,200,000
Residential mortgage |  |  |  |
Allowance for Loan losses | 4,383,000 | 3,991,000 | 4,182,000 | 3,986,000
Allowance for Loan losses, Charge-offs | 0 | (33,000) | 0 | (107,000)
Allowance for Loan losses, Recoveries | 2,000 | 2,000 | 5,000 | 6,000
Allowance for Loan losses, Provision (Credit) | (65,000) | 3,000 | 133,000 | 78,000
Allowance for Loan losses | 4,320,000 | 3,963,000 | 4,320,000 | 3,963,000
Residential mortgage | Real estate loan | first liens |  |  |  |
Allowance for Loan losses | 3,572,000 | 3,178,000 | 3,405,000 | 3,156,000
Allowance for Loan losses, Charge-offs | 0 | (33,000) | 0 | (83,000)
Allowance for Loan losses, Recoveries | 1,000 | 1,000 | 2,000 | 2,000
Allowance for Loan losses, Provision (Credit) | (42,000) | (16,000) | 124,000 | 55,000
Allowance for Loan losses | 3,531,000 | 3,130,000 | 3,531,000 | 3,130,000
Residential mortgage | Real estate loan | junior liens |  |  |  |
Allowance for Loan losses | 414,000 | 329,000 | 384,000 | 325,000
Allowance for Loan losses, Charge-offs | 0 | 0 | 0 | (24,000)
Allowance for Loan losses, Recoveries | 0 | 0 | 1,000 | 0
Allowance for Loan losses, Provision (Credit) | (49,000) | 4,000 | (20,000) | 32,000
Allowance for Loan losses | 365,000 | 333,000 | 365,000 | 333,000
Residential mortgage | Home equity lines of credit |  |  |  |
Allowance for Loan losses | 278,000 | 286,000 | 276,000 | 302,000
Allowance for Loan losses, Charge-offs | 0 | 0 | 0 | 0
Allowance for Loan losses, Recoveries | 1,000 | 1,000 | 2,000 | 4,000
Allowance for Loan losses, Provision (Credit) | 8,000 | (7,000) | 9,000 | (26,000)
Allowance for Loan losses | 287,000 | 280,000 | 287,000 | 280,000
Residential mortgage | Construction Loans |  |  |  |
Allowance for Loan losses | 119,000 | 198,000 | 117,000 | 203,000
Allowance for Loan losses, Charge-offs | 0 | 0 | 0 | 0
Allowance for Loan losses, Recoveries | 0 | 0 | 0 | 0
Allowance for Loan losses, Provision (Credit) | 18,000 | 22,000 | 20,000 | 17,000
Allowance for Loan losses | 137,000 | 220,000 | 137,000 | 220,000
Commercial |  |  |  |
Allowance for Loan losses | 6,089,000 | 3,444,000 | 4,788,000 | 4,591,000
Allowance for Loan losses, Charge-offs | (107,000) | (6,000) | (124,000) | (6,000)
Allowance for Loan losses, Recoveries | 0 | 1,000 | 0 | 3,000
Allowance for Loan losses, Provision (Credit) | (124,000) | (51,000) | 1,194,000 | (1,200,000)
Allowance for Loan losses | 5,858,000 | 3,388,000 | 5,858,000 | 3,388,000
Commercial | Real estate loan |  |  |  |
Allowance for Loan losses | 1,932,000 | 1,887,000 | 1,921,000 | 2,538,000
Allowance for Loan losses, Charge-offs | 0 | 0 | 0 | 0
Allowance for Loan losses, Recoveries | 0 | 0 | 0 | 0
Allowance for Loan losses, Provision (Credit) | 494,000 | (310,000) | 505,000 | (961,000)
Allowance for Loan losses | 2,426,000 | 1,577,000 | 2,426,000 | 1,577,000
Commercial | Construction Loans |  |  |  |
Allowance for Loan losses | 970,000 | 114,000 | 966,000 | 110,000
Allowance for Loan losses, Charge-offs | (107,000) | 0 | (107,000) | 0
Allowance for Loan losses, Recoveries | 0 | 0 | 0 | 0
Allowance for Loan losses, Provision (Credit) | (443,000) | 38,000 | (439,000) | 42,000
Allowance for Loan losses | 420,000 | 152,000 | 420,000 | 152,000
Commercial | Commercial and industrial |  |  |  |
Allowance for Loan losses | 2,645,000 | 1,069,000 | 1,391,000 | 1,553,000
Allowance for Loan losses, Charge-offs | 0 | (6,000) | (17,000) | (6,000)
Allowance for Loan losses, Recoveries | 0 | 1,000 | 0 | 3,000
Allowance for Loan losses, Provision (Credit) | (149,000) | 182,000 | 1,122,000 | (304,000)
Allowance for Loan losses | 2,496,000 | 1,246,000 | 2,496,000 | 1,246,000
Commercial | Loans secured by farm land |  |  |  |
Allowance for Loan losses | 144,000 | 98,000 | 158,000 | 102,000
Allowance for Loan losses, Charge-offs | 0 | 0 | 0 | 0
Allowance for Loan losses, Recoveries | 0 | 0 | 0 | 0
Allowance for Loan losses, Provision (Credit) | 2,000 | 4,000 | (12,000) | 0
Allowance for Loan losses | 146,000 | 102,000 | 146,000 | 102,000
Commercial | Multi-family (5 or more) residential |  |  |  |
Allowance for Loan losses | 199,000 | 112,000 | 156,000 | 114,000
Allowance for Loan losses, Charge-offs | 0 | 0 | 0 | 0
Allowance for Loan losses, Recoveries | 0 | 0 | 0 | 0
Allowance for Loan losses, Provision (Credit) | (36,000) | 38,000 | 7,000 | 36,000
Allowance for Loan losses | 163,000 | 150,000 | 163,000 | 150,000
Commercial | Agricultural loans |  |  |  |
Allowance for Loan losses | 39,000 | 43,000 | 41,000 | 46,000
Allowance for Loan losses, Charge-offs | 0 | 0 | 0 | 0
Allowance for Loan losses, Recoveries | 0 | 0 | 0 | 0
Allowance for Loan losses, Provision (Credit) | 1,000 | (1,000) | (1,000) | (4,000)
Allowance for Loan losses | 40,000 | 42,000 | 40,000 | 42,000
Commercial | Other commercial loans |  |  |  |
Allowance for Loan losses | 160,000 | 121,000 | 155,000 | 128,000
Allowance for Loan losses, Charge-offs | 0 | 0 | 0 | 0
Allowance for Loan losses, Recoveries | 0 | 0 | 0 | 0
Allowance for Loan losses, Provision (Credit) | 7,000 | (2,000) | 12,000 | (9,000)
Allowance for Loan losses | 167,000 | 119,000 | 167,000 | 119,000
Consumer |  |  |  |
Allowance for Loan losses | 273,000 | 236,000 | 281,000 | 233,000
Allowance for Loan losses, Charge-offs | (39,000) | (29,000) | (70,000) | (66,000)
Allowance for Loan losses, Recoveries | 16,000 | 13,000 | 27,000 | 22,000
Allowance for Loan losses, Provision (Credit) | 13,000 | 44,000 | 25,000 | 75,000
Allowance for Loan losses | 263,000 | 264,000 | 263,000 | 264,000
Unallocated |  |  |  |
Allowance for Loan losses | 585,000 | 585,000 | 585,000 | 499,000
Allowance for Loan losses, Charge-offs | 0 | 0 | 0 | 0
Allowance for Loan losses, Recoveries | 0 | 0 | 0 | 0
Allowance for Loan losses, Provision (Credit) | 0 | 0 | 0 | 86,000
Allowance for Loan losses | $ 585,000 | $ 585,000 | $ 585,000 | $ 585,000

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