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LOANS (Details) - USD ($) $ in Thousands | Dec. 31, 2021 | Dec. 31, 2020 | Dec. 31, 2019
--- | --- | --- | ---
LOANS |  |  |
Loans receivable | $ 1,564,849 | $ 1,644,209 |
Allowance for loan losses | (13,537) | (11,385) | $ (9,836)
Loans, net | 1,551,312 | 1,632,824 |
Commercial |  |  |
LOANS |  |  |
Loans receivable | 978,371 | 1,007,751 |
Allowance for loan losses | (8,293) | (6,308) | (4,788)
Commercial | Real estate loan |  |  |
LOANS |  |  |
Loans receivable | 569,840 | 531,810 |
Allowance for loan losses | (4,405) | (3,051) | (1,921)
Commercial | Commercial and industrial |  |  |
LOANS |  |  |
Loans receivable | 159,073 | 159,577 |
Allowance for loan losses | (2,723) | (2,245) | (1,391)
Commercial | Paycheck Protection Program - 1st Draw |  |  |
LOANS |  |  |
Loans receivable | 1,356 | 132,269 |
Allowance for loan losses | 0 | 0 |
Commercial | Paycheck Protection Program - 2nd Draw |  |  |
LOANS |  |  |
Loans receivable | 25,508 | 0 |
Allowance for loan losses | 0 |  |
Commercial | Political subdivisions |  |  |
LOANS |  |  |
Loans receivable | 81,301 | 53,221 |
Allowance for loan losses | 0 | 0 |
Commercial | Construction Loans |  |  |
LOANS |  |  |
Loans receivable | 60,579 | 42,874 |
Commercial | Commercial Construction And Land |  |  |
LOANS |  |  |
Loans receivable | 60,579 | 42,874 |
Allowance for loan losses | (637) | (454) | (966)
Commercial | Loans secured by farm land |  |  |
LOANS |  |  |
Loans receivable | 11,121 | 11,736 |
Allowance for loan losses | (115) | (120) | (158)
Commercial | Multi-family (5 or more) residential |  |  |
LOANS |  |  |
Loans receivable | 50,089 | 55,811 |
Allowance for loan losses | (215) | (236) | (156)
Commercial | Agricultural loans |  |  |
LOANS |  |  |
Loans receivable | 2,351 | 3,164 |
Allowance for loan losses | (25) | (34) | (41)
Commercial | Other commercial loans |  |  |
LOANS |  |  |
Loans receivable | 17,153 | 17,289 |
Allowance for loan losses | (173) | (168) | (155)
Residential mortgage |  |  |
LOANS |  |  |
Loans receivable | 569,346 | 620,172 |
Allowance for loan losses | (4,338) | (4,253) | (4,182)
Residential mortgage | Real estate loan |  |  |
LOANS |  |  |
Loans receivable | 569,840 |  |
Residential mortgage | Real estate loan | first liens |  |  |
LOANS |  |  |
Loans receivable | 483,629 | 532,947 |
Allowance for loan losses | (3,650) | (3,524) | (3,405)
Residential mortgage | Real estate loan | junior liens |  |  |
LOANS |  |  |
Loans receivable | 23,314 | 27,311 |
Allowance for loan losses | (184) | (349) | (384)
Residential mortgage | Construction Loans |  |  |
LOANS |  |  |
Loans receivable | 23,151 | 20,613 |
Allowance for loan losses | (202) | (99) | (117)
Residential mortgage | Home equity lines of credit |  |  |
LOANS |  |  |
Loans receivable | 39,252 | 39,301 |
Allowance for loan losses | (302) | (281) | (276)
Consumer |  |  |
LOANS |  |  |
Loans receivable | 17,132 | 16,286 |
Allowance for loan losses | $ (235) | $ (239) | $ (281)

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