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LOANS RECEIVABLE AND ALLOWANCE FOR CREDIT LOSSES - Allowance for Credit Losses (Details) | 6 Months Ended | 12 Months Ended
--- | --- | ---
Jun. 30, 2023 USD ($) borrower | Jun. 30, 2022 USD ($) borrower | Dec. 31, 2022 USD ($)
LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES |  |  |
Average loans | $ 183,240,000 | $ 204,477,000 |
Net charge-offs to average loans (annualized) | 0.03% | 0.01% |
Number of borrowers | borrower | 5 | 8 |
Loans charged off | $ 88,000 | $ 107,000 | $ 392,000
Outstanding commitments | 30,700,000 | 30,200,000 |
Unfunded commitments |  |  |
Beginning balance | 477,000 | 371,000 | 371,000
Reduction of unfunded reserve | (4,000) | (17,000) |
Provisions charged to operations | 23,000 | 59,000 |
Ending balance | $ 496,000 | $ 413,000 | $ 477,000

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- Definition Net Charge Offs to Average Loans and Leases Receivables as a percentage + References No definition available. + Details
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- Definition Minimum amount of other commitment not otherwise specified in the taxonomy. Excludes commitments explicitly modeled in the taxonomy, including but not limited to, long-term and short-term purchase commitments, recorded and unrecorded purchase obligations, supply commitments, registration payment arrangements, leases, debt, product warranties, guarantees, environmental remediation obligations, and pensions. + References No definition available. + Details
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