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LOANS - Allowance for Loan Losses (Details) - USD ($) | 3 Months Ended | 6 Months Ended
--- | --- | ---
Jun. 30, 2022 | Jun. 30, 2021 | Jun. 30, 2022 | Jun. 30, 2021
LOANS |  |  |  |
Allowance for Loan losses | $ 14,271,000 | $ 11,661,000 | $ 13,537,000 | $ 11,385,000
Allowance for Loan losses, Charge-offs | (41,000) | (47,000) | (221,000) | (58,000)
Allowance for Loan losses, Recoveries | 9,000 | 17,000 | 32,000 | 45,000
Allowance for Loan losses, Provision (Credit) | 308,000 | 744,000 | 1,199,000 | 1,003,000
Allowance for Loan losses | 14,547,000 | 12,375,000 | 14,547,000 | 12,375,000
Commercial |  |  |  |
LOANS |  |  |  |
Allowance for Loan losses | 8,922,000 | 6,564,000 | 8,293,000 | 6,308,000
Allowance for Loan losses, Charge-offs | 0 | 0 | (150,000) | 0
Allowance for Loan losses, Recoveries | 0 | 2,000 | 0 | 16,000
Allowance for Loan losses, Provision (Credit) | (28,000) | 552,000 | 751,000 | 794,000
Allowance for Loan losses | 8,894,000 | 7,118,000 | 8,894,000 | 7,118,000
Commercial | Real estate loan |  |  |  |
LOANS |  |  |  |
Allowance for Loan losses | 5,017,000 | 3,350,000 | 4,405,000 | 3,051,000
Allowance for Loan losses, Charge-offs | 0 | 0 | 0 | 0
Allowance for Loan losses, Recoveries | 0 | 2,000 | 0 | 2,000
Allowance for Loan losses, Provision (Credit) | (35,000) | 100,000 | 577,000 | 399,000
Allowance for Loan losses | 4,982,000 | 3,452,000 | 4,982,000 | 3,452,000
Commercial | Commercial and industrial |  |  |  |
LOANS |  |  |  |
Allowance for Loan losses | 2,841,000 | 2,187,000 | 2,723,000 | 2,245,000
Allowance for Loan losses, Charge-offs | 0 | 0 | (150,000) | 0
Allowance for Loan losses, Recoveries | 0 | 0 | 0 | 14,000
Allowance for Loan losses, Provision (Credit) | (49,000) | 594,000 | 219,000 | 522,000
Allowance for Loan losses | 2,792,000 | 2,781,000 | 2,792,000 | 2,781,000
Commercial | Commercial Construction And Land |  |  |  |
LOANS |  |  |  |
Allowance for Loan losses | 391,000 | 476,000 | 637,000 | 454,000
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) | 124,000 | (24,000) | (122,000) | (2,000)
Allowance for Loan losses | 515,000 | 452,000 | 515,000 | 452,000
Commercial | Loans secured by farm land |  |  |  |
LOANS |  |  |  |
Allowance for Loan losses | 129,000 | 111,000 | 115,000 | 120,000
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) | (17,000) | 2,000 | (3,000) | (7,000)
Allowance for Loan losses | 112,000 | 113,000 | 112,000 | 113,000
Commercial | Multi-family (5 or more) residential |  |  |  |
LOANS |  |  |  |
Allowance for Loan losses | 367,000 | 255,000 | 215,000 | 236,000
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) | (105,000) | 124,000 | (86,000)
Allowance for Loan losses | 339,000 | 150,000 | 339,000 | 150,000
Commercial | Agricultural loans |  |  |  |
LOANS |  |  |  |
Allowance for Loan losses | 27,000 | 26,000 | 25,000 | 34,000
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) | (4,000) | (1,000) | (2,000) | (9,000)
Allowance for Loan losses | 23,000 | 25,000 | 23,000 | 25,000
Commercial | Other commercial loans |  |  |  |
LOANS |  |  |  |
Allowance for Loan losses | 150,000 | 159,000 | 173,000 | 168,000
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) | (19,000) | (14,000) | (42,000) | (23,000)
Allowance for Loan losses | 131,000 | 145,000 | 131,000 | 145,000
Residential mortgage |  |  |  |
LOANS |  |  |  |
Allowance for Loan losses | 4,445,000 | 4,200,000 | 4,338,000 | 4,253,000
Allowance for Loan losses, Charge-offs | 0 | (11,000) | 0 | (11,000)
Allowance for Loan losses, Recoveries | 1,000 | 2,000 | 17,000 | 4,000
Allowance for Loan losses, Provision (Credit) | (54,000) | 164,000 | 37,000 | 109,000
Allowance for Loan losses | 4,392,000 | 4,355,000 | 4,392,000 | 4,355,000
Residential mortgage | Real estate loan | first liens |  |  |  |
LOANS |  |  |  |
Allowance for Loan losses | 3,810,000 | 3,507,000 | 3,650,000 | 3,524,000
Allowance for Loan losses, Charge-offs | 0 | (11,000) | 0 | (11,000)
Allowance for Loan losses, Recoveries | 1,000 | 1,000 | 2,000 | 2,000
Allowance for Loan losses, Provision (Credit) | (122,000) | 39,000 | 37,000 | 21,000
Allowance for Loan losses | 3,689,000 | 3,536,000 | 3,689,000 | 3,536,000
Residential mortgage | Real estate loan | junior liens |  |  |  |
LOANS |  |  |  |
Allowance for Loan losses | 181,000 | 334,000 | 184,000 | 349,000
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) | (7,000) | (4,000) | (22,000)
Allowance for Loan losses | 180,000 | 327,000 | 180,000 | 327,000
Residential mortgage | Home equity lines of credit |  |  |  |
LOANS |  |  |  |
Allowance for Loan losses | 306,000 | 281,000 | 302,000 | 281,000
Allowance for Loan losses, Charge-offs | 0 | 0 | 0 | 0
Allowance for Loan losses, Recoveries | 0 | 1,000 | 15,000 | 2,000
Allowance for Loan losses, Provision (Credit) | 2,000 | 12,000 | (9,000) | 11,000
Allowance for Loan losses | 308,000 | 294,000 | 308,000 | 294,000
Residential mortgage | 1-4 Family residential construction |  |  |  |
LOANS |  |  |  |
Allowance for Loan losses | 148,000 | 78,000 | 202,000 | 99,000
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) | 67,000 | 120,000 | 13,000 | 99,000
Allowance for Loan losses | 215,000 | 198,000 | 215,000 | 198,000
Consumer |  |  |  |
LOANS |  |  |  |
Allowance for Loan losses | 237,000 | 220,000 | 235,000 | 239,000
Allowance for Loan losses, Charge-offs | (41,000) | (36,000) | (71,000) | (47,000)
Allowance for Loan losses, Recoveries | 8,000 | 13,000 | 15,000 | 25,000
Allowance for Loan losses, Provision (Credit) | 57,000 | 34,000 | 82,000 | 14,000
Allowance for Loan losses | 261,000 | 231,000 | 261,000 | 231,000
Unallocated |  |  |  |
LOANS |  |  |  |
Allowance for Loan losses | 667,000 | 677,000 | 671,000 | 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) | 333,000 | (6,000) | 329,000 | 86,000
Allowance for Loan losses | $ 1,000,000 | $ 671,000 | $ 1,000,000 | $ 671,000

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