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LOANS (Tables)
 9 Months Ended
Sep. 30, 2019
LOANS [Abstract]  
Summary of Loans by Category
Loans are summarized by category as of the periods presented below:

  
September 30,
2019
  
December 31,
2018
 
Commercial real estate
 
$
520,687
  
$
538,037
 
Commercial - specialized
  
316,862
   
305,022
 
Commercial - general
  
398,909
   
427,728
 
Consumer:
        
1-4 family residential
  
359,160
   
346,153
 
Auto loans
  
212,529
   
191,647
 
Other consumer
  
70,338
   
70,209
 
Construction
  
84,124
   
78,401
 
   
1,962,609
   
1,957,197
 
Allowance for loan losses
  
(24,176
)
  
(23,126
)
Loans, net
 
$
1,938,433
  
$
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 September 30, 2019
               
Commercial real estate
 
$
5,415
  
$
(379
)
 
$
—
  
$
108
  
$
5,144
 
Commercial - specialized
  
3,346
   
(575
)
  
—
   
28
   
2,799
 
Commercial - general
  
8,325
   
734
   
(170
)
  
19
   
8,908
 
Consumer:
                    
1-4 family residential
  
2,310
   
384
   
(65
)
  
9
   
2,638
 
Auto loans
  
3,067
   
127
   
(260
)
  
83
   
3,017
 
Other consumer
  
1,199
   
121
   
(230
)
  
63
   
1,153
 
Construction
  
509
   
8
   
—
   
—
   
517
 
Total
 
$
24,171
  
$
420
  
$
(725
)
 
$
310
  
$
24,176
 
                     
For the three months ended September 30, 2018
                    
Commercial real estate
 
$
4,336
  
$
268
  
$
—
  
$
239
  
$
4,843
 
Commercial - specialized
  
2,924
   
(191
)
  
(70
)
  
10
   
2,673
 
Commercial - general
  
8,733
   
2,434
   
(3,738
)
  
64
   
7,493
 
Consumer:
                    
1-4 family residential
  
1,451
   
102
   
(131
)
  
31
   
1,453
 
Auto loans
  
2,603
   
609
   
(276
)
  
41
   
2,977
 
Other consumer
  
1,158
   
213
   
(257
)
  
30
   
1,144
 
Construction
  
510
   
(20
)
  
—
   
—
   
490
 
Total
 
$
21,715
  
$
3,415
  
$
(4,472
)
 
$
415
  
$
21,073
 

  
Beginning
Balance
  
Provision for
Loan Losses
  
Charge-offs
  
Recoveries
  
Ending
Balance
 
For the nine months ended September 30, 2019
               
Commercial real estate
 
$
5,579
  
$
(758
)
 
$
—
  
$
323
  
$
5,144
 
Commercial - specialized
  
2,516
   
230
   
(37
)
  
90
   
2,799
 
Commercial - general
  
8,173
   
674
   
(235
)
  
296
   
8,908
 
Consumer:
                    
1-4 family residential
  
2,249
   
412
   
(84
)
  
61
   
2,638
 
Auto loans
  
2,994
   
626
   
(765
)
  
162
   
3,017
 
Other consumer
  
1,192
   
550
   
(744
)
  
155
   
1,153
 
Construction
  
423
   
169
   
(75
)
  
—
   
517
 
Total
 
$
23,126
  
$
1,903
  
$
(1,940
)
 
$
1,087
  
$
24,176
 
                     
For the nine months ended September 30, 2018
                    
Commercial real estate
 
$
3,769
  
$
2,374
  
$
(1,539
)
 
$
239
  
$
4,843
 
Commercial - specialized
  
2,367
   
339
   
(108
)
  
75
   
2,673
 
Commercial - general
  
10,151
   
808
   
(3,865
)
  
399
   
7,493
 
Consumer:
                    
1-4 family residential
  
1,787
   
(98
)
  
(272
)
  
36
   
1,453
 
Auto loans
  
2,068
   
1,500
   
(693
)
  
102
   
2,977
 
Other consumer
  
971
   
653
   
(607
)
  
127
   
1,144
 
Construction
  
348
   
157
   
(15
)
  
—
   
490
 
Total
 
$
21,461
  
$
5,733
  
$
(7,099
)
 
$
978
  
$
21,073
 

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
 
September 30, 2019
            
Commercial real estate
 
$
331
  
$
520,356
  
$
—
  
$
5,144
 
Commercial - specialized
  
586
   
316,276
   
—
   
2,799
 
Commercial - general
  
2,660
   
396,249
   
404
   
8,504
 
Consumer:
                
1-4 family residential
  
2,384
   
356,776
   
35
   
2,603
 
Auto loans
  
—
   
212,529
   
—
   
3,017
 
Other consumer
  
—
   
70,338
   
—
   
1,153
 
Construction
  
—
   
84,124
   
—
   
517
 
                 
Total
 
$
5,961
  
$
1,956,648
  
$
439
  
$
23,737
 
                 
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
 
September 30, 2019
                  
Commercial real estate
 
$
786
  
$
331
  
$
—
  
$
331
  
$
—
  
$
1,075
 
Commercial - specialized
  
586
   
586
   
—
   
586
   
—
   
1,351
 
Commercial - general
  
3,253
   
—
   
2,660
   
2,660
   
404
   
2,805
 
Consumer:
              
—
         
1-4 family
  
2,803
   
1,930
   
454
   
2,384
   
35
   
2,430
 
Auto loans
  
—
   
—
   
—
   
—
   
—
   
—
 
Other consumer
  
—
   
—
   
—
   
—
   
—
   
—
 
Construction
  
—
   
—
   
—
   
—
   
—
   
—
 
                         
Total
 
$
7,428
  
$
2,847
  
$
3,114
  
$
5,961
  
$
439
  
$
7,661
 
                         
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
 
September 30, 2019
         
Commercial real estate
 
$
449
  
$
—
  
$
218
 
Commercial - specialized
  
118
   
177
   
1,259
 
Commercial - general
  
1,711
   
—
   
2,144
 
Consumer:
            
1-4 Family residential
  
1,807
   
843
   
1,614
 
Auto loans
  
874
   
92
   
—
 
Other consumer
  
797
   
109
   
—
 
Construction
  
131
   
—
   
—
 
             
Total
 
$
5,887
  
$
1,221
  
$
5,235
 
             
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
 
September 30, 2019
               
Commercial real estate
 
$
496,054
  
$
22,133
  
$
2,500
  
$
—
  
$
520,687
 
Commercial - specialized
  
313,022
   
—
   
3,840
   
—
   
316,862
 
Commercial - general
  
389,187
   
—
   
9,722
   
—
   
398,909
 
Consumer:
                    
1-4 family residential
  
351,267
   
—
   
7,893
   
—
   
359,160
 
Auto loans
  
211,954
   
—
   
575
   
—
   
212,529
 
Other consumer
  
70,013
   
—
   
325
   
—
   
70,338
 
Construction
  
84,124
   
—
   
—
   
—
   
84,124
 
                     
Total
 
$
1,915,621
  
$
22,133
  
$
24,855
  
$
—
  
$
1,962,609
 
                     
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