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LOANS - Allowance for Loan Losses (Details) - USD ($) | 3 Months Ended | 9 Months Ended
--- | --- | ---
Sep. 30, 2021 | Sep. 30, 2020 | Sep. 30, 2021 | Sep. 30, 2020
LOANS |  |  |  |
Allowance for Loan losses | $ 12,375,000 | $ 11,026,000 | $ 11,385,000 | $ 9,836,000
Allowance for Loan losses, Charge-offs | (1,220,000) | (2,249,000) | (1,278,000) | (2,443,000)
Allowance for Loan losses, Recoveries | 15,000 | 35,000 | 60,000 | 67,000
Allowance for Loan losses, Provision (Credit) | 1,530,000 | 1,941,000 | 2,533,000 | 3,293,000
Allowance for Loan losses | 12,700,000 | 10,753,000 | 12,700,000 | 10,753,000
Commercial |  |  |  |
LOANS |  |  |  |
Allowance for Loan losses | 7,118,000 | 5,858,000 | 6,308,000 | 4,788,000
Allowance for Loan losses, Charge-offs | (1,194,000) | (2,219,000) | (1,194,000) | (2,343,000)
Allowance for Loan losses, Recoveries | 6,000 | 0 | 22,000 | 0
Allowance for Loan losses, Provision (Credit) | 1,503,000 | 1,990,000 | 2,297,000 | 3,184,000
Allowance for Loan losses | 7,433,000 | 5,629,000 | 7,433,000 | 5,629,000
Commercial | Commercial loan of $3,500,000 |  |  |  |
LOANS |  |  |  |
Allowance for Loan losses, Charge-offs |  | (2,219,000) |  | (2,219,000)
Commercial | Real estate loan |  |  |  |
LOANS |  |  |  |
Allowance for Loan losses | 3,452,000 | 2,426,000 | 3,051,000 | 1,921,000
Allowance for Loan losses, Charge-offs | 0 | 0 | 0 | 0
Allowance for Loan losses, Recoveries | 0 | 0 | 2,000 | 0
Allowance for Loan losses, Provision (Credit) | 368,000 | (40,000) | 767,000 | 465,000
Allowance for Loan losses | 3,820,000 | 2,386,000 | 3,820,000 | 2,386,000
Commercial | Commercial and industrial |  |  |  |
LOANS |  |  |  |
Allowance for Loan losses | 2,781,000 | 2,496,000 | 2,245,000 | 1,391,000
Allowance for Loan losses, Charge-offs | (1,194,000) | (2,219,000) | (1,194,000) | (2,236,000)
Allowance for Loan losses, Recoveries | 6,000 | 0 | 20,000 | 0
Allowance for Loan losses, Provision (Credit) | 947,000 | 1,974,000 | 1,469,000 | 3,096,000
Allowance for Loan losses | 2,540,000 | 2,251,000 | 2,540,000 | 2,251,000
Commercial | Construction Loans |  |  |  |
LOANS |  |  |  |
Allowance for Loan losses |  |  | 454,000 |
Allowance for Loan losses | 559,000 |  | 559,000 |
Commercial | Commercial Construction And Land |  |  |  |
LOANS |  |  |  |
Allowance for Loan losses | 452,000 | 420,000 | 454,000 | 966,000
Allowance for Loan losses, Charge-offs | 0 | 0 | 0 | (107,000)
Allowance for Loan losses, Recoveries | 0 | 0 | 0 | 0
Allowance for Loan losses, Provision (Credit) | 107,000 | 20,000 | 105,000 | (419,000)
Allowance for Loan losses | 559,000 | 440,000 | 559,000 | 440,000
Commercial | Loans secured by farm land |  |  |  |
LOANS |  |  |  |
Allowance for Loan losses | 113,000 | 146,000 | 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) | (1,000) | (25,000) | (8,000) | (37,000)
Allowance for Loan losses | 112,000 | 121,000 | 112,000 | 121,000
Commercial | Multi-family (5 or more) residential |  |  |  |
LOANS |  |  |  |
Allowance for Loan losses | 150,000 | 163,000 | 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) | 46,000 | 64,000 | (40,000) | 71,000
Allowance for Loan losses | 196,000 | 227,000 | 196,000 | 227,000
Commercial | Agricultural loans |  |  |  |
LOANS |  |  |  |
Allowance for Loan losses | 25,000 | 40,000 | 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) | 8,000 | (3,000) | (1,000) | (4,000)
Allowance for Loan losses | 33,000 | 37,000 | 33,000 | 37,000
Commercial | Other commercial loans |  |  |  |
LOANS |  |  |  |
Allowance for Loan losses | 145,000 | 167,000 | 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) | 28,000 | 0 | 5,000 | 12,000
Allowance for Loan losses | 173,000 | 167,000 | 173,000 | 167,000
Residential mortgage |  |  |  |
LOANS |  |  |  |
Allowance for Loan losses | 4,355,000 | 4,320,000 | 4,253,000 | 4,182,000
Allowance for Loan losses, Charge-offs | 0 | 0 | (11,000) | 0
Allowance for Loan losses, Recoveries | 1,000 | 27,000 | 5,000 | 32,000
Allowance for Loan losses, Provision (Credit) | 3,000 | (66,000) | 112,000 | 67,000
Allowance for Loan losses | 4,359,000 | 4,281,000 | 4,359,000 | 4,281,000
Residential mortgage | first liens |  |  |  |
LOANS |  |  |  |
Allowance for Loan losses |  |  | 3,524,000 | 3,405,000
Allowance for Loan losses, Charge-offs |  |  | (11,000) | 0
Allowance for Loan losses, Recoveries |  |  | 3,000 | 28,000
Allowance for Loan losses, Provision (Credit) |  |  | 50,000 | 32,000
Allowance for Loan losses | 3,566,000 | 3,465,000 | 3,566,000 | 3,465,000
Residential mortgage | junior liens |  |  |  |
LOANS |  |  |  |
Allowance for Loan losses |  |  | 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) |  |  | (28,000) | (27,000)
Allowance for Loan losses | 321,000 | 358,000 | 321,000 | 358,000
Residential mortgage | Real estate loan | first liens |  |  |  |
LOANS |  |  |  |
Allowance for Loan losses | 3,536,000 | 3,531,000 | 3,524,000 |
Allowance for Loan losses, Charge-offs | 0 | 0 |  |
Allowance for Loan losses, Recoveries | 1,000 | 26,000 |  |
Allowance for Loan losses, Provision (Credit) | 29,000 | (92,000) |  |
Allowance for Loan losses | 3,566,000 | 3,465,000 | 3,566,000 | 3,465,000
Residential mortgage | Real estate loan | junior liens |  |  |  |
LOANS |  |  |  |
Allowance for Loan losses | 327,000 | 365,000 | 349,000 |
Allowance for Loan losses, Charge-offs | 0 | 0 |  |
Allowance for Loan losses, Recoveries | 0 | 0 |  |
Allowance for Loan losses, Provision (Credit) | (6,000) | (7,000) |  |
Allowance for Loan losses | 321,000 | 358,000 | 321,000 | 358,000
Residential mortgage | Construction Loans |  |  |  |
LOANS |  |  |  |
Allowance for Loan losses |  |  | 99,000 |
Allowance for Loan losses | 189,000 |  | 189,000 |
Residential mortgage | Home equity lines of credit |  |  |  |
LOANS |  |  |  |
Allowance for Loan losses | 294,000 | 287,000 | 281,000 | 276,000
Allowance for Loan losses, Charge-offs | 0 | 0 | 0 | 0
Allowance for Loan losses, Recoveries | 0 | 1,000 | 2,000 | 3,000
Allowance for Loan losses, Provision (Credit) | (11,000) | 1,000 | 0 | 10,000
Allowance for Loan losses | 283,000 | 289,000 | 283,000 | 289,000
Residential mortgage | 1-4 Family residential construction |  |  |  |
LOANS |  |  |  |
Allowance for Loan losses | 198,000 | 137,000 | 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) | (9,000) | 32,000 | 90,000 | 52,000
Allowance for Loan losses | 189,000 | 169,000 | 189,000 | 169,000
Consumer |  |  |  |
LOANS |  |  |  |
Allowance for Loan losses | 231,000 | 263,000 | 239,000 | 281,000
Allowance for Loan losses, Charge-offs | (26,000) | (30,000) | (73,000) | (100,000)
Allowance for Loan losses, Recoveries | 8,000 | 8,000 | 33,000 | 35,000
Allowance for Loan losses, Provision (Credit) | 24,000 | 17,000 | 38,000 | 42,000
Allowance for Loan losses | 237,000 | 258,000 | 237,000 | 258,000
Unallocated |  |  |  |
LOANS |  |  |  |
Allowance for Loan losses | 671,000 | 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) | 0 | 0 | 86,000 | 0
Allowance for Loan losses | $ 671,000 | $ 585,000 | $ 671,000 | $ 585,000

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