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LOANS (Tables)
 3 Months Ended
Mar. 31, 2019
LOANS [Abstract]  
Summary of Loans by Category
Loans are summarized by category as follows:

  
March 31,
2019
  
December 31,
2018
 
       
Commercial real estate
 
$
528,598
  
$
538,037
 
Commercial - specialized
  
258,975
   
305,022
 
Commercial - general
  
413,093
   
427,728
 
Consumer:
        
1-4 family residential
  
354,981
   
346,153
 
Auto loans
  
200,366
   
191,647
 
Other consumer
  
71,939
   
70,209
 
Construction
  
87,231
   
78,401
 
         
   
1,915,183
   
1,957,197
 
Allowance for loan losses
  
(23,381
)
  
(23,126
)
         
Loans, net
 
$
1,891,802
  
$
1,934,071
 
Activity in Allowance for Loan Losses and Investment in Loans Disaggregated Based on Method of Evaluating Impairment
The following table details the activity in the allowance for loan losses.  Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories.

  
Beginning
Balance
  
Provision for
loan losses
  
Charge-offs
  
Recoveries
  
Ending
Balance
 
For the three months ended
               
March 31, 2019
               
Commercial real estate
 
$
5,579
  
$
(352
)
 
$
-
  
$
108
  
$
5,335
 
Commercial - specialized
  
2,516
   
(179
)
  
(33
)
  
23
   
2,327
 
Commercial - general
  
8,173
   
262
   
(4
)
  
73
   
8,504
 
Consumer:
                    
1-4 family residential
  
2,249
   
156
   
(19
)
  
30
   
2,416
 
Auto loans
  
2,994
   
299
   
(259
)
  
33
   
3,067
 
Other consumer
  
1,192
   
212
   
(279
)
  
49
   
1,174
 
Construction
  
423
   
210
   
(75
)
  
-
   
558
 
                     
Total
 
$
23,126
  
$
608
  
$
(669
)
 
$
316
  
$
23,381
 

                
For the three months ended
               
March 31, 2018
               
Commercial real estate
 
$
3,769
  
$
1,360
  
$
-
  
$
-
  
$
5,129
 
Commercial - specialized
  
2,367
   
265
   
(38
)
  
56
   
2,650
 
Commercial - general
  
10,151
   
(1,313
)
  
(100
)
  
187
   
8,925
 
Consumer:
                    
1-4 family residential
  
1,787
   
(359
)
  
(1
)
  
-
   
1,427
 
Auto loans
  
2,068
   
521
   
(235
)
  
32
   
2,386
 
Other consumer
  
971
   
253
   
(207
)
  
36
   
1,053
 
Construction
  
348
   
51
   
-
   
-
   
399
 
                     
Total
 
$
21,461
  
$
778
  
$
(581
)
 
$
311
  
$
21,969
 

The following table shows the Company’s investment in loans disaggregated based on the method of evaluating impairment:

  
Recorded Investment
  
Allowance for Loan Losses
 
  
Individually
Evaluated
  
Collectively
Evaluated
  
Individually
Evaluated
  
Collectively
Evaluated
 
             
March 31, 2019
            
Commercial real estate
 
$
473
  
$
528,125
  
$
-
  
$
5,335
 
Commercial - specialized
  
2,045
   
256,930
   
68
   
2,259
 
Commercial - general
  
2,856
   
410,237
   
335
   
8,169
 
Consumer:
                
1-4 family residential
  
2,590
   
352,391
   
120
   
2,296
 
Auto loans
  
-
   
200,366
   
-
   
3,067
 
Other consumer
  
-
   
71,939
   
-
   
1,174
 
Construction
  
702
   
86,529
   
60
   
498
 
                 
Total
 
$
8,666
  
$
1,906,517
  
$
583
  
$
22,798
 
                 
December 31, 2018
                
Commercial real estate
 
$
1,819
  
$
536,218
  
$
-
  
$
5,579
 
Commercial - specialized
  
2,116
   
302,906
   
-
   
2,516
 
Commercial - general
  
2,950
   
424,778
   
233
   
7,940
 
Consumer:
                
1-4 family residential
  
2,475
   
343,678
   
8
   
2,241
 
Auto loans
  
-
   
191,647
   
-
   
2,994
 
Other consumer
  
-
   
70,209
   
-
   
1,192
 
Construction
  
-
   
78,401
   
-
   
423
 
                 
Total
 
$
9,360
  
$
1,947,837
  
$
241
  
$
22,885
 
Impaired Loan Information
Impaired loan information follows:

  
Unpaid
Contractual
Principal
Balance
  
Recorded
Investment
With No
Allowance
  
Recorded
Investment
With
Allowance
  
Total
Recorded
Investment
  
Related
Allowance
  
Average
Recorded
Investment
 
                   
March 31, 2019
                  
Commercial real estate
 
$
928
  
$
473
  
$
-
  
$
473
  
$
-
  
$
1,146
 
Commercial - specialized
  
2,045
   
1,359
   
686
   
2,045
   
68
   
2,081
 
Commercial - general
  
4,664
   
180
   
2,676
   
2,856
   
335
   
2,903
 
Consumer:
                        
1-4 family
  
3,009
   
2,131
   
459
   
2,590
   
120
   
2,533
 
Auto loans
  
-
   
-
   
-
   
-
   
-
   
-
 
Other consumer
  
-
   
-
   
-
   
-
   
-
   
-
 
Construction
  
777
   
345
   
357
   
702
   
60
   
351
 
                         
Total
 
$
11,423
  
$
4,488
  
$
4,178
  
$
8,666
  
$
583
  
$
9,014
 
                         
December 31, 2018
                        
Commercial real estate
 
$
2,274
  
$
1,819
  
$
-
  
$
1,819
  
$
-
  
$
4,590
 
Commercial - specialized
  
2,116
   
2,116
   
-
   
2,116
   
-
   
3,742
 
Commercial - general
  
4,758
   
240
   
2,710
   
2,950
   
233
   
3,963
 
Consumer:
                        
1-4 family
  
2,894
   
2,111
   
364
   
2,475
   
8
   
2,881
 
Auto loans
  
-
   
-
   
-
   
-
   
-
   
-
 
Other consumer
  
-
   
-
   
-
   
-
   
-
   
-
 
Construction
  
-
   
-
   
-
   
-
   
-
   
-
 
                         
Total
 
$
12,042
  
$
6,286
  
$
3,074
  
$
9,360
  
$
241
  
$
15,176
 
Age Analysis on Accruing Past-due Loans and Nonaccrual Loans
The table below provides an age analysis on accruing past-due loans and nonaccrual loans:

  
30-89 Days Past
Due
  
90 Days or
More Past Due
  
Nonaccrual
 
          
March 31, 2019
         
Commercial real estate
 
$
1,493
  
$
-
  
$
200
 
Commercial - specialized
  
402
   
-
   
2,753
 
Commercial - general
  
2,432
   
-
   
2,170
 
Consumer:
            
1-4 Family residential
  
1,839
   
186
   
1,831
 
Auto loans
  
808
   
33
     
Other consumer
  
683
   
61
     
Construction
  
646
   
-
   
703
 
             
Total
 
$
8,303
  
$
280
  
$
7,657
 
             
December 31, 2018
            
Commercial real estate
 
$
1,748
  
$
-
  
$
217
 
Commercial - specialized
  
992
   
-
   
2,550
 
Commercial - general
  
2,625
   
-
   
2,134
 
Consumer:
            
1-4 Family residential
  
1,611
   
440
   
1,489
 
Auto loans
  
825
   
50
     
Other consumer
  
883
   
74
     
Construction
  
-
   
-
   
-
 
             
Total
 
$
8,684
  
$
564
  
$
6,390
 
Summary of Internal Classifications of Loans
The following table summarizes the internal classifications of loans:

  
Pass
  
Special
Mention
  
Substandard
  
Doubtful
  
Total
 
                
March 31, 2019
               
Commercial real estate
 
$
503,424
  
$
19,919
  
$
5,255
  
$
-
  
$
528,598
 
Commercial - specialized
  
255,433
   
-
   
3,542
   
-
   
258,975
 
Commercial - general
  
400,960
   
1,375
   
10,758
   
-
   
413,093
 
Consumer:
                    
1-4 family residential
  
349,532
   
-
   
5,449
   
-
   
354,981
 
Auto loans
  
200,129
   
-
   
237
   
-
   
200,366
 
Other consumer
  
71,766
   
-
   
173
   
-
   
71,939
 
Construction
  
86,529
   
-
   
702
   
-
   
87,231
 
                     
Total
 
$
1,867,773
  
$
21,294
  
$
26,116
  
$
-
  
$
1,915,183
 
                     
December 31, 2018
                    
Commercial real estate
 
$
514,249
  
$
17,300
  
$
6,488
  
$
-
  
$
538,037
 
Commercial - specialized
  
301,289
   
-
   
3,733
   
-
   
305,022
 
Commercial - general
  
415,675
   
1,449
   
10,604
   
-
   
427,728
 
Consumer:
                    
1-4 family residential
  
340,836
   
-
   
5,317
   
-
   
346,153
 
Auto loans
  
191,435
   
-
   
212
   
-
   
191,647
 
Other consumer
  
70,075
   
-
   
134
   
-
   
70,209
 
Construction
  
78,401
   
-
   
-
   
-
   
78,401
 
                     
Total
 
$
1,911,960
  
$
18,749
  
$
26,488
  
$
-
  
$
1,957,197