ALLOWANCE FOR LOAN LOSSES (Tables)

9 Months Ended

Sep. 30, 2018

Receivables [Abstract]

Summary of activity in the allowance for loan losses by portfolio segment

The following table details activity in the allowance for loan losses by portfolio segment for the period ended September 30, 2018. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories.

As of September 30, 2018 (Dollars are in thousands)	Beginning Balance		Charge Offs			Recoveries		Provisions			Ending Balance
Real estate secured:
Commercial	$	1,989	$	(334	)	$	73	$	(345	)	$	1,383
Construction and land development		191		(96	)		12		64			171
Residential 1-4 family		2,400		(270	)		62		17			2,209
Multifamily		106		—			—		(15	)		91
Farmland		415		(58	)		66		(141	)		282
Total real estate loans		5,101		(758	)		213		(420	)		4,136
Commercial		660		(617	)		77		260			380
Agriculture		20		—			1		12			33
Consumer installment loans		156		(59	)		38		16			151
All other loans		3		—			—		—			3
Unallocated		256		—			—		321			577
Total	$	6,196	$	(1,434	)	$	329	$	189		$	5,280

		Allowance for Loan Losses						Recorded Investment in Loans
As of September 30, 2018 (Dollars are in thousands)		Individually Evaluated for Impairment		Collectively Evaluated for Impairment		Total		Individually Evaluated for Impairment		Collectively Evaluated for Impairment		Total
Real estate secured:
Commercial	$	46	$	1,337	$	1,383	$	3,198	$	136,186	$	139,384
Construction and land development		-		171		171		140		29,263		29,403
Residential 1-4 family		114		2,095		2,209		3,474		245,664		249,138
Multifamily		-		91		91		79		13,382		13,461
Farmland		131		151		282		2,116		19,540		21,656
Total real estate loans		291		3,845		4,136		9,007		444,035		453,042
Commercial		15		365		380		123		49,822		49,945
Agriculture		-		33		33		-		4,895		4,895
Consumer installment loans		1		150		151		7		23,464		23,471
All other loans		-		3		3		-		616		616
Unallocated		-		577		577		-		-		-
Total	$	307	$	4,973	$	5,280	$	9,137	$	522,832	$	531,969

Schedule of allocation of portion of allowance

The following table details activity in the allowance for loan losses by portfolio segment for the period ended December 31, 2017. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories.

As of December 31, 2017 (Dollars are in thousands)	Beginning Balance		Charge Offs			Recoveries		Provisions			Ending Balance
Real estate secured:
Commercial	$	1,625	$	(179	)	$	193	$	350		$	1,989
Construction and land development		346		(1	)		—		(154	)		191
Residential 1-4 family		2,376		(714	)		48		690			2,400
Multifamily		241		—			—		(135	)		106
Farmland		428		(49	)		361		(325	)		415
Total real estate loans		5,016		(943	)		602		426			5,101
Commercial		163		(11	)		153		355			660
Agriculture		31		(4	)		5		(12	)		20
Consumer installment loans		123		(147	)		19		161			156
All other loans		—		—			—		3			3
Unallocated		739		—			—		(483	)		256
Total	$	6,072	$	(1,105	)	$	779	$	450		$	6,196

		Allowance for Loan Losses						Recorded Investment in Loans
As of December 31, 2017 (Dollars are in thousands)		Individually Evaluated for Impairment		Collectively Evaluated for Impairment		Total		Individually Evaluated for Impairment		Collectively Evaluated for Impairment		Total
Real estate secured:
Commercial	$	499	$	1,490	$	1,989	$	5,149	$	122,539	$	127,688
Construction and land development		-		191		191		424		29,339		29,763
Residential 1-4 family		91		2,309		2,400		4,007		245,152		249,159
Multifamily		-		106		106		281		15,200		15,481
Farmland		243		172		415		1,642		21,356		22,998
Total real estate loans		833		4,268		5,101		11,503		433,586		445,089
Commercial		413		247		660		1,117		40,228		41,345
Agriculture		-		20		20		12		3,482		3,494
Consumer installment loans		-		156		156		8		22,403		22,411
All other loans		-		3		3		-		669		669
Unallocated		-		256		256		-		-		-
Total	$	1,246	$	4,950	$	6,196	$	12,640	$	500,368	$	513,008