ALLOWANCE FOR LOAN LOSSES (Tables)

9 Months Ended

Sep. 30, 2020

Receivables [Abstract]

Summary of activity in the allowance for loan losses

Additionally, the allocation of the allowance by recorded portfolio segment and impairment method is presented as of September 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
Nine months ended September 30, 2020
Beginning balance	$	1,248	$	158	$	1,736	$	104	$	109	$	1,789	$	27	$	195	$	2	$	5,368
Charge-offs		(65)		-		(66)		-		(42)		(326)		(15)		(59)		-		(573)
Recoveries		56		-		31		-		33		34		1		37		-		192
Provision		874		32		361		44		20		627		31		13		(2)		2,000
Ending balance	$	2,113	$	190	$	2,062	$	148	$	120	$	2,124	$	44	$	186	$	-	$	6,987
Three months ended September 30, 2020
Beginning balance	$	2,054	$	169	$	2,039	$	145	$	121	$	1,817	$	49	$	181	$	-	$	6,575
Charge-offs		(43)		-		(66)		-		-		-		-		(15)		-		(124)
Recoveries		54		-		14		-		-		3		-		15		-		86
Provision		48		21		75		3		(1)		304		(5)		5		-		450
Ending balance	$	2,113	$	190	$	2,062	$	148	$	120	$	2,124	$	44	$	186	$	-	$	6,987
Allowance for loan losses at September 30, 2020
Individually evaluated for impairment	$	285	$	-	$	49	$	-	$	4	$	8	$	-	$	-	$	-	$	346
Collectively evaluated for impairment		1,828		190		2,013		148		116		2,116		44		186		-		6,641
	$	2,113	$	190	$	2,062	$	148	$	120	$	2,124	$	44	$	186	$	-	$	6,987
Loans at September 30, 2020
Individually evaluated for impairment	$	1,589	$	104	$	2,483	$	-	$	618	$	33	$	-	$	6	$	-	$	4,833
Collectively evaluated for impairment		173,309		25,950		223,784		14,979		18,493		96,074		4,572		23,128		-		580,289
	$	174,898	$	26,054	$	226,267	$	14,979	$	19,111	$	96,107	$	4,572	$	23,134	$	-	$	585,122
Allowance for loan losses at December 31, 2019
Individually evaluated 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 evaluated 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
Nine months ended September 30, 2019
Beginning balance	$	1,386	$	202	$	2,437	$	89	$	287	$	448	$	37	$	175	$	275	$	5,336
Charge-offs		-		-		(171)		-		(33)		(1,563)		(9)		(73)		-		(1,849)
Recoveries		16		34		168		30		8		59		1		57		-		373
Provision		(143)		(70)		(566)		(17)		(135)		2,480		(5)		18		(272)		1,290
Ending balance	$	1,259	$	166	$	1,868	$	102	$	127	$	1,424	$	24	$	177	$	3	$	5,150
Three months ended September 30, 2019
Beginning balance	$	1,225	$	146	$	1,967	$	87	$	118	$	1,383	$	35	$	162	$	65	$	5,188
Charge-offs		-		-		(42)		-		-		(1,026)		(9)		(30)		-		(1,107)
Recoveries		14		-		11		-		-		14		-		10		-		49
Provision		20		20		(68)		15		9		1,053		(2)		35		(62)		1,020
Ending balance	$	1,259	$	166	$	1,868	$	102	$	127	$	1,424	$	24	$	177	$	3	$	5,150