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LOANS - Allowance for Loan Losses (Details) - USD ($) | 3 Months Ended | 6 Months Ended
--- | --- | ---
Jun. 30, 2021 | Sep. 30, 2020 | Jun. 30, 2020 | Jun. 30, 2021 | Jun. 30, 2020
LOANS |  |  |  |  |
Allowance for Loan losses | $ 11,661,000 | $ 11,026,000 | $ 11,330,000 | $ 11,385,000 | $ 9,836,000
Allowance for Loan losses, Charge-offs | (47,000) |  | (146,000) | (58,000) | (194,000)
Allowance for Loan losses, Recoveries | 17,000 |  | 18,000 | 45,000 | 32,000
Allowance for Loan losses, Provision (Credit) | 744,000 |  | (176,000) | 1,003,000 | 1,352,000
Allowance for Loan losses | 12,375,000 |  | 11,026,000 | 12,375,000 | 11,026,000
Commercial |  |  |  |  |
LOANS |  |  |  |  |
Allowance for Loan losses | 6,564,000 | 5,858,000 | 6,089,000 | 6,308,000 | 4,788,000
Allowance for Loan losses, Charge-offs | 0 |  | (107,000) | 0 | (124,000)
Allowance for Loan losses, Recoveries | 2,000 |  | 0 | 16,000 | 0
Allowance for Loan losses, Provision (Credit) | 552,000 |  | (124,000) | 794,000 | 1,194,000
Allowance for Loan losses | 7,118,000 |  | 5,858,000 | 7,118,000 | 5,858,000
Commercial | Real estate loan |  |  |  |  |
LOANS |  |  |  |  |
Allowance for Loan losses | 3,350,000 | 2,426,000 | 1,932,000 | 3,051,000 | 1,921,000
Allowance for Loan losses, Charge-offs | 0 |  | 0 | 0 | 0
Allowance for Loan losses, Recoveries | 2,000 |  | 0 | 2,000 | 0
Allowance for Loan losses, Provision (Credit) | 100,000 |  | 494,000 | 399,000 | 505,000
Allowance for Loan losses | 3,452,000 |  | 2,426,000 | 3,452,000 | 2,426,000
Commercial | Commercial and industrial |  |  |  |  |
LOANS |  |  |  |  |
Allowance for Loan losses | 2,187,000 | 2,496,000 | 2,645,000 | 2,245,000 | 1,391,000
Allowance for Loan losses, Charge-offs | 0 |  | 0 | 0 | (17,000)
Allowance for Loan losses, Recoveries | 0 |  | 0 | 14,000 | 0
Allowance for Loan losses, Provision (Credit) | 594,000 |  | (149,000) | 522,000 | 1,122,000
Allowance for Loan losses | 2,781,000 |  | 2,496,000 | 2,781,000 | 2,496,000
Commercial | Construction Loans |  |  |  |  |
LOANS |  |  |  |  |
Allowance for Loan losses |  |  | 674,000 | 454,000 |
Allowance for Loan losses, Charge-offs |  |  | (107,000) |  |
Allowance for Loan losses, Provision (Credit) |  | 2,219,000 |  |  |
Allowance for Loan losses | 452,000 |  |  | 452,000 |
Commercial | Commercial Construction And Land |  |  |  |  |
LOANS |  |  |  |  |
Allowance for Loan losses | 476,000 | 420,000 | 970,000 | 454,000 | 966,000
Allowance for Loan losses, Charge-offs | 0 |  | (107,000) | 0 | (107,000)
Allowance for Loan losses, Recoveries | 0 |  | 0 | 0 | 0
Allowance for Loan losses, Provision (Credit) | (24,000) |  | (443,000) | (2,000) | (439,000)
Allowance for Loan losses | 452,000 |  | 420,000 | 452,000 | 420,000
Commercial | Loans secured by farm land |  |  |  |  |
LOANS |  |  |  |  |
Allowance for Loan losses | 111,000 | 146,000 | 144,000 | 120,000 | 158,000
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 |  | 2,000 | (7,000) | (12,000)
Allowance for Loan losses | 113,000 |  | 146,000 | 113,000 | 146,000
Commercial | Multi-family (5 or more) residential |  |  |  |  |
LOANS |  |  |  |  |
Allowance for Loan losses | 255,000 | 163,000 | 199,000 | 236,000 | 156,000
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) | (105,000) |  | (36,000) | (86,000) | 7,000
Allowance for Loan losses | 150,000 |  | 163,000 | 150,000 | 163,000
Commercial | Agricultural loans |  |  |  |  |
LOANS |  |  |  |  |
Allowance for Loan losses | 26,000 | 40,000 | 39,000 | 34,000 | 41,000
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 | (9,000) | (1,000)
Allowance for Loan losses | 25,000 |  | 40,000 | 25,000 | 40,000
Commercial | Other commercial loans |  |  |  |  |
LOANS |  |  |  |  |
Allowance for Loan losses | 159,000 | 167,000 | 160,000 | 168,000 | 155,000
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) | (14,000) |  | 7,000 | (23,000) | 12,000
Allowance for Loan losses | 145,000 |  | 167,000 | 145,000 | 167,000
Residential mortgage |  |  |  |  |
LOANS |  |  |  |  |
Allowance for Loan losses | 4,200,000 | 4,320,000 | 4,383,000 | 4,253,000 | 4,182,000
Allowance for Loan losses, Charge-offs | (11,000) |  | 0 | (11,000) | 0
Allowance for Loan losses, Recoveries | 2,000 |  | 2,000 | 4,000 | 5,000
Allowance for Loan losses, Provision (Credit) | 164,000 |  | (65,000) | 109,000 | 133,000
Allowance for Loan losses | 4,355,000 |  | 4,320,000 | 4,355,000 | 4,320,000
Residential mortgage | first liens |  |  |  |  |
LOANS |  |  |  |  |
Allowance for Loan losses |  | 3,531,000 |  | 3,524,000 | 3,405,000
Allowance for Loan losses, Charge-offs |  |  |  | (11,000) | 0
Allowance for Loan losses, Recoveries |  |  |  | 2,000 | 2,000
Allowance for Loan losses, Provision (Credit) |  |  |  | 21,000 | 124,000
Allowance for Loan losses | 3,536,000 |  | 3,531,000 | 3,536,000 | 3,531,000
Residential mortgage | junior liens |  |  |  |  |
LOANS |  |  |  |  |
Allowance for Loan losses |  | 365,000 |  | 349,000 | 384,000
Allowance for Loan losses, Charge-offs |  |  |  | 0 | 0
Allowance for Loan losses, Recoveries |  |  |  | 0 | 1,000
Allowance for Loan losses, Provision (Credit) |  |  |  | (22,000) | (20,000)
Allowance for Loan losses | 327,000 |  | 365,000 | 327,000 | 365,000
Residential mortgage | Real estate loan | first liens |  |  |  |  |
LOANS |  |  |  |  |
Allowance for Loan losses | 3,507,000 | 3,531,000 | 3,572,000 | 3,524,000 |
Allowance for Loan losses, Charge-offs | (11,000) |  | 0 |  |
Allowance for Loan losses, Recoveries | 1,000 |  | 1,000 |  |
Allowance for Loan losses, Provision (Credit) | 39,000 |  | (42,000) |  |
Allowance for Loan losses | 3,536,000 |  | 3,531,000 | 3,536,000 | 3,531,000
Residential mortgage | Real estate loan | junior liens |  |  |  |  |
LOANS |  |  |  |  |
Allowance for Loan losses | 334,000 | 365,000 | 414,000 | 349,000 |
Allowance for Loan losses, Charge-offs | 0 |  | 0 |  |
Allowance for Loan losses, Recoveries | 0 |  | 0 |  |
Allowance for Loan losses, Provision (Credit) | (7,000) |  | (49,000) |  |
Allowance for Loan losses | 327,000 |  | 365,000 | 327,000 | 365,000
Residential mortgage | Construction Loans |  |  |  |  |
LOANS |  |  |  |  |
Allowance for Loan losses |  |  |  | 99,000 |
Allowance for Loan losses | 198,000 |  |  | 198,000 |
Residential mortgage | Home equity lines of credit |  |  |  |  |
LOANS |  |  |  |  |
Allowance for Loan losses | 281,000 | 287,000 | 278,000 | 281,000 | 276,000
Allowance for Loan losses, Charge-offs | 0 |  | 0 | 0 | 0
Allowance for Loan losses, Recoveries | 1,000 |  | 1,000 | 2,000 | 2,000
Allowance for Loan losses, Provision (Credit) | 12,000 |  | 8,000 | 11,000 | 9,000
Allowance for Loan losses | 294,000 |  | 287,000 | 294,000 | 287,000
Residential mortgage | 1-4 Family residential construction |  |  |  |  |
LOANS |  |  |  |  |
Allowance for Loan losses | 78,000 | 137,000 | 119,000 | 99,000 | 117,000
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) | 120,000 |  | 18,000 | 99,000 | 20,000
Allowance for Loan losses | 198,000 |  | 137,000 | 198,000 | 137,000
Consumer |  |  |  |  |
LOANS |  |  |  |  |
Allowance for Loan losses | 220,000 | 263,000 | 273,000 | 239,000 | 281,000
Allowance for Loan losses, Charge-offs | (36,000) |  | (39,000) | (47,000) | (70,000)
Allowance for Loan losses, Recoveries | 13,000 |  | 16,000 | 25,000 | 27,000
Allowance for Loan losses, Provision (Credit) | 34,000 |  | 13,000 | 14,000 | 25,000
Allowance for Loan losses | 231,000 |  | 263,000 | 231,000 | 263,000
Unallocated |  |  |  |  |
LOANS |  |  |  |  |
Allowance for Loan losses | 677,000 | $ 585,000 | 585,000 | 585,000 | 585,000
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) | (6,000) |  | 0 | 86,000 | 0
Allowance for Loan losses | $ 671,000 |  | $ 585,000 | $ 671,000 | $ 585,000

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