ALLOWANCE FOR LOAN LOSSES (Tables)

6 Months Ended

Jun. 30, 2020

Receivables [Abstract]

Summary of activity in the allowance for loan losses

The following table presents activity in the allowance for loan losses for the six- and three-month periods ending June 30, 2020 and 2019, respectively. Additionally, the allocation of the allowance by recorded portfolio segment and impairment method is presented as of June 30, 2020 and December 31, 2019, respectively.

		Real estate secured
(Dollars are in thousands)		Commercial		Construction and Land Development		Residential 1-4 family		Multifamily		Farmland		Commercial		Agriculture		Consumer and All Other		Unallocated		Total
Six months ended June 30, 2020
Beginning balance	$	1,248	$	158	$	1,736	$	104	$	109	$	1,789	$	27	$	195	$	2	$	5,368
Charge-offs		(22)		-		-		-		(42)		(324)		(15)		(46)		-		(449)
Recoveries		2		-		17		-		33		31		1		22		-		106
Provision		826		11		286		41		21		321		36		10		(2)		1,550
Ending balance	$	2,054	$	169	$	2,039	$	145	$	121	$	1,817	$	49	$	181	$	-	$	6,575
Three months ended June 30, 2020
Beginning balance	$	1,680	$	214	$	2,077	$	132	$	146	$	1,856	$	39	$	193	$	-	$	6,337
Charge-offs		-		-		-		-		-		(311)		(15)		(13)		-		(339)
Recoveries		-		-		9		-		-		2		-		16		-		27
Provision		374		(45)		(47)		13		(25)		270		25		(15)		-		550
Ending balance	$	2,054	$	169	$	2,039	$	145	$	121	$	1,817	$	49	$	181	$	-	$	6,575
Allowance for loan losses at June 30, 2020
Individually evluated for impairment	$	295	$	-	$	38	$	-	$	6	$	9	$	-	$	-	$	-	$	348
Collectively evaluated for impairment		1,759		169		2,001		145		115		1,808		49		181		-		6,227
	$	2,054	$	169	$	2,039	$	145	$	121	$	1,817	$	49	$	181	$	-	$	6,575
Loans at June 30, 2020
Individually evluated for impairment	$	2,862	$	109	$	2,492	$	-	$	641	$	100	$	-	$	7	$	-	$	6,211
Collectively evaluated for impairment		167,172		24,513		232,828		15,030		19,474		94,567		4,844		22,927		-		581,355
	$	170,034	$	24,622	$	235,320	$	15,030	$	20,115	$	94,667	$	4,844	$	22,934	$	-	$	587,566
Allowance for loan losses at December 31, 2019
Individually evluated for impairment	$	70	$	-	$	44	$	-	$	9	$	200	$	-	$	-	$	-	$	323
Collectively evaluated for impairment		1,178		158		1,692		104		100		1,589		27		195		2		5,045
	$	1,248	$	158	$	1,736	$	104	$	109	$	1,789	$	27	$	195	$	2	$	5,368
Loans at December 31, 2019
Individually evluated for impairment	$	2,779	$	70	$	1,318	$	-	$	994	$	414	$	-	$	-	$	-	$	5,575
Collectively evaluated for impairment		167,657		31,060		241,604		13,638		19,796		53,580		4,797		24,837		-		556,969
	$	170,436	$	31,130	$	242,922	$	13,638	$	20,790	$	53,994	$	4,797	$	24,837	$	-	$	562,544

		Real estate secured
(Dollars are in thousands)		Commercial		Construction and Land Development		Residential 1-4 family		Multifamily		Farmland		Commercial		Agriculture		Consumer and All Other		Unallocated		Total
Six months ended June 30, 2019
Beginning balance	$	1,386	$	202	$	2,437	$	89	$	287	$	448	$	37	$	175	$	275	$	5,336
Charge-offs		-		-		(129)		-		(33)		(537)		-		(43)		-		(742)
Recoveries		2		34		157		30		8		45		1		47		-		324
Provision		(163)		(90)		(498)		(32)		(144)		1,427		(3)		(17)		(210)		270
Ending balance	$	1,225	$	146	$	1,967	$	87	$	118	$	1,383	$	35	$	162	$	65	$	5,188
Three months ended June 30, 2019
Beginning balance	$	1,364	$	158	$	2,291	$	92	$	277	$	543	$	37	$	167	$	538	$	5,467
Charge-offs		-		-		(84)		-		(33)		(498)		-		(15)		-		(630)
Recoveries		2		34		127		30		3		1		-		19		-		216
Provision		(141)		(46)		(367)		(35)		(129)		1,337		(2)		(9)		(473)		135
Ending balance	$	1,225	$	146	$	1,967	$	87	$	118	$	1,383	$	35	$	162	$	65	$	5,188