LOANS - Composition of loans receivable (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Loans receivable, net	$ 911,188	$ 909,279
Total
Residential 1-4 family	334,357	345,862
Residential 5+ multifamily	37,427	36,510
Construction of residential 1-4 family	11,272	12,041
Home equity credit	35,022	34,433
Residential real estate	418,078	428,846
Commercial	289,267	283,599
Construction of commercial	11,359	8,976
Commercial real estate	300,626	292,575
Farm land	4,155	4,185
Vacant land	8,164	8,322
Real estate secured	731,023	733,928
Commercial and industrial	167,503	162,905
Municipal	15,702	14,344
Consumer	4,377	4,512
Loans receivable, gross	918,605	915,689
Deferred loan origination fees and costs, net	1,333	1,421
Allowance for loan losses	(8,750)	(7,831)
Loans receivable, net	$ 911,188	$ 909,279

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The reserve to cover probable credit losses related to specifically identified fixed maturity real estate loans as well as probable credit losses inherent in the remainder of that loan portfolio.

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Amount, after accumulated amortization, of debt issuance costs. Includes, but is not limited to, legal, accounting, underwriting, printing, and registration costs.

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The fair value as of the balance sheet date of firm holdings in fixed income obligations issued by state and local governments and authorities. Includes both pledged (to counterparties as collateral for financing transactions) and unpledged holdings.

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The net carrying amount as of the balance sheet date of the sum of the various components of an operative builder's inventory, including finished homes. Operative builders primarily consist of entities that develop land, construct residential homes and commercial and industrial buildings thereon, and sell them to home buyers and operators of the commercial and industrial properties.

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Total of (1) improvements, (2) held-for-sale, (3) land and land under development, (4) construction-in-process, (5) mortgage loans held-in-inventory, and (6) other real estate investments which are considered inventory due to being held for sale or disposition.

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Cost of real estate projects incurred for projects for eventual sale or transfer (condominium or time share projects, vacation clubs).

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Carrying amount as of the balance sheet date, net of valuation allowances and impairment losses, of costs of land expected to be developed in the near term plus capitalized costs of development, for purposes of selling completed units to home buyers or commercial or industrial entities..

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Represents mortgage loans held in inventory primarily for sale to others (third parties, businesses, legal entities) in the ordinary course of business.

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Amount of investment in certain other real estate investments not specifically identified elsewhere in the existing taxonomy.

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Amount before allowance of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans and leases covered under loss sharing agreements.

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Amount before allowance and after deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Excludes loans and leases covered under loss sharing agreements.

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Amount after allowance and deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Excludes loans and leases covered under loss sharing agreements and loans held for sale.

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The balance represents the amount of loans that are secured by real estate mortgages, offset by the reserve to cover probable credit losses on the loan portfolio.

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