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LOANS (Tables)
 6 Months Ended
Jun. 30, 2019
LOANS [Abstract]  
Summary of Loans by Category
Loans are summarized by category as follows:

  
June 30,
2019
  
December 31,
2018
 
       
Commercial real estate
 
$
533,680
  
$
538,037
 
Commercial - specialized
  
294,188
   
305,022
 
Commercial - general
  
391,434
   
427,728
 
Consumer:
        
1-4 family residential
  
348,569
   
346,153
 
Auto loans
  
206,777
   
191,647
 
Other consumer
  
71,559
   
70,209
 
Construction
  
89,446
   
78,401
 
   
1,935,653
   
1,957,197
 
Allowance for loan losses
  
(24,171
)
  
(23,126
)
Loans, net
 
$
1,911,482
  
$
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
June 30, 2019
                             
 
Commercial real estate
 
$
5,335
  
$
(28
)
 
$
-
  
$
108
  
$
5,415
 
Commercial - specialized
  
2,327
   
985
   
(5
)
  
39
   
3,346
 
Commercial - general
  
8,504
   
(324
)
  
(60
)
  
205
   
8,325
 
Consumer:
                    
1-4 family residential
  
2,416
   
(127
)
  
-
   
21
   
2,310
 
Auto loans
  
3,067
   
202
   
(248
)
  
46
   
3,067
 
Other consumer
  
1,174
   
216
   
(233
)
  
42
   
1,199
 
Construction
  
558
   
(49
)
  
-
   
-
   
509
 
Total
 
$
23,381
  
$
875
  
$
(546
)
 
$
461
  
$
24,171
 
                     

For the three months ended
June 30, 2018
                                        
Commercial real estate
 
$
5,129
  
$
746
  
$
(1,539
)
 
$
-
  
$
4,336
 
Commercial - specialized
  
2,650
   
265
   
-
   
9
   
2,924
 
Commercial - general
  
8,925
   
(313
)
  
(28
)
  
149
   
8,733
 
Consumer:
                    
1-4 family residential
  
1,427
   
160
   
(140
)
  
4
   
1,451
 
Auto loans
  
2,386
   
372
   
(184
)
  
29
   
2,603
 
Other consumer
  
1,053
   
184
   
(140
)
  
61
   
1,158
 
Construction
  
399
   
126
   
(15
)
  
-
   
510
 
Total
 
$
21,969
  
$
1,540
  
$
(2,046
)
 
$
252
  
$
21,715
 

  
Beginning
Balance
  
Provision for
loan losses
  
Charge-offs
  
Recoveries
  
Ending
Balance
 
For the six months ended
June 30, 2019
               
Commercial real estate
 
$
5,579
  
$
(379
)
 
$
-
  
$
215
  
$
5,415
 
Commercial - specialized
  
2,516
   
804
   
(37
)
  
63
   
3,346
 
Commercial - general
  
8,173
   
(60
)
  
(65
)
  
277
   
8,325
 
Consumer:
                    
1-4 family residential
  
2,249
   
28
   
(19
)
  
52
   
2,310
 
Auto loans
  
2,994
   
500
   
(506
)
  
79
   
3,067
 
Other consumer
  
1,192
   
429
   
(513
)
  
91
   
1,199
 
Construction
  
423
   
161
   
(75
)
  
-
   
509
 
                     
Total
 
$
23,126
  
$
1,483
  
$
(1,215
)
 
$
777
  
$
24,171
 

For the six months ended
June 30, 2018
               
Commercial real estate
 
$
3,769
  
$
2,106
  
$
(1,539
)
 
$
-
  
$
4,336
 
Commercial - specialized
  
2,367
   
530
   
(38
)
  
65
   
2,924
 
Commercial - general
  
10,151
   
(1,626
)
  
(127
)
  
335
   
8,733
 
Consumer:
                    
1-4 family residential
  
1,787
   
(199
)
  
(141
)
  
4
   
1,451
 
Auto loans
  
2,068
   
892
   
(418
)
  
61
   
2,603
 
Other consumer
  
971
   
438
   
(349
)
  
98
   
1,158
 
Construction
  
348
   
177
   
(15
)
  
-
   
510
 
                     
Total
 
$
21,461
  
$
2,318
  
$
(2,627
)
 
$
563
  
$
21,715
 

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
 

            
June 30, 2019
            
Commercial real estate
 
$
403
  
$
533,277
  
$
-
  
$
5,415
 
Commercial - specialized
  
1,922
   
292,266
   
68
   
3,278
 
Commercial - general
  
2,667
   
388,767
   
333
   
7,992
 
Consumer:
                
1-4 family residential
  
2,432
   
346,137
   
35
   
2,275
 
Auto loans
  
-
   
206,777
   
-
   
3,067
 
Other consumer
  
-
   
71,559
   
-
   
1,199
 
Construction
  
-
   
89,446
   
-
   
509
 
                 
Total
 
$
7,424
  
$
1,928,229
  
$
436
  
$
23,735
 
                 
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
 
                   
June 30, 2019
                  
Commercial real estate
 
$
858
  
$
403
  
$
-
  
$
403
  
$
-
  
$
1,111
 
Commercial - specialized
  
3,137
   
1,875
   
47
   
1,922
   
68
   
2,019
 
Commercial - general
  
3,260
   
-
   
2,667
   
2,667
   
333
   
2,809
 
Consumer:
                        
1-4 family
  
2,851
   
1,976
   
456
   
2,432
   
35
   
2,454
 
Auto loans
  
-
   
-
   
-
   
-
   
-
   
-
 
Other consumer
  
-
   
-
   
-
   
-
   
-
   
-
 
Construction
  
-
   
-
   
-
   
-
   
-
   
-
 
                         
Total
 
$
10,106
  
$
4,254
  
$
3,170
  
$
7,424
  
$
436
  
$
8,393
 
                         
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
 
          
June 30, 2019
         
Commercial real estate
 
$
545
  
$
309
  
$
294
 
Commercial - specialized
  
1,717
   
224
   
2,445
 
Commercial - general
  
777
   
650
   
2,096
 
Consumer:
            
1-4 Family residential
  
1,488
   
111
   
1,749
 
Auto loans
  
616
   
24
   
-
 
Other consumer
  
539
   
44
   
-
 
Construction
  
1,186
   
-
   
-
 
             
Total
 
$
6,868
  
$
1,362
  
$
6,584
 
             
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
 
                
June 30, 2019
               
Commercial real estate
 
$
509,597
  
$
21,096
  
$
2,987
  
$
-
  
$
533,680
 
Commercial - specialized
  
282,369
   
-
   
11,819
   
-
   
294,188
 
Commercial - general
  
380,703
   
1,304
   
9,427
   
-
   
391,434
 
Consumer:
                    
1-4 family residential
  
343,337
   
-
   
5,232
   
-
   
348,569
 
Auto loans
  
206,396
   
-
   
381
   
-
   
206,777
 
Other consumer
  
71,334
   
-
   
225
   
-
   
71,559
 
Construction
  
89,446
   
-
   
-
   
-
   
89,446
 
                     
Total
 
$
1,883,182
  
$
22,400
  
$
30,071
  
$
-
  
$
1,935,653
 
                     
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