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LOANS HELD FOR INVESTMENT (Tables)
 6 Months Ended
Jun. 30, 2020
LOANS HELD FOR INVESTMENT [Abstract]  
Summary of Loans Held for Investment by Category
Loans held for investment are summarized by category as of the periods presented below:

  
June 30,
2020
  
December 31,
2019
 
Commercial real estate
 
$
655,906
  
$
658,195
 
Commercial - specialized
  
325,942
   
309,505
 
Commercial - general
  
620,905
   
441,398
 
Consumer:
        
1-4 family residential
  
360,308
   
362,796
 
Auto loans
  
202,263
   
215,209
 
Other consumer
  
69,754
   
74,000
 
Construction
  
96,638
   
82,520
 
   
2,331,716
   
2,143,623
 
Allowance for loan losses
  
(40,635
)
  
(24,197
)
Loans, net
 
$
2,291,081
  
$
2,119,426
 
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, 2020
               
Commercial real estate
 
$
7,192
  
$
7,856
  
$
—
  
$
108
  
$
15,156
 
Commercial - specialized
  
4,555
   
2,872
   
(836
)
  
23
   
6,614
 
Commercial - general
  
7,980
   
1,773
   
(532
)
  
72
   
9,293
 
Consumer:
                    
1-4 family residential
  
2,744
   
181
   
—
   
1
   
2,926
 
Auto loans
  
4,312
   
(168
)
  
(262
)
  
57
   
3,939
 
Other consumer
  
1,639
   
205
   
(383
)
  
179
   
1,640
 
Construction
  
652
   
414
   
—
   
1
   
1,067
 
Total
 
$
29,074
  
$
13,133
  
$
(2,013
)
 
$
441
  
$
40,635
 
                     
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
 

  
Beginning
Balance
  
Provision for
Loan Losses
  
Charge-offs
  
Recoveries
  
Ending
Balance
 
For the six months ended June 30, 2020
               
Commercial real estate
 
$
5,049
  
$
9,892
  
$
—
  
$
215
  
$
15,156
 
Commercial - specialized
  
2,287
   
5,090
   
(850
)
  
87
   
6,614
 
Commercial - general
  
9,609
   
975
   
(1,380
)
  
89
   
9,293
 
Consumer:
                    
1-4 family residential
  
2,093
   
832
   
—
   
1
   
2,926
 
Auto loans
  
3,385
   
1,149
   
(704
)
  
109
   
3,939
 
Other consumer
  
1,341
   
796
   
(749
)
  
252
   
1,640
 
Construction
  
433
   
633
   
—
   
1
   
1,067
 
                     
Total
 
$
24,197
  
$
19,367
  
$
(3,683
)
 
$
754
  
$
40,635
 
                     
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
 

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, 2020
            
Commercial real estate
 
$
4,379
  
$
651,527
  
$
560
  
$
14,596
 
Commercial - specialized
  
1,074
   
324,868
   
190
   
6,424
 
Commercial - general
  
878
   
620,027
   
126
   
9,167
 
Consumer:
                
1-4 family residential
  
1,837
   
358,471
   
—
   
2,926
 
Auto loans
  
—
   
202,263
   
—
   
3,939
 
Other consumer
  
—
   
69,754
   
—
   
1,640
 
Construction
  
—
   
96,638
   
—
   
1,067
 
                 
Total
 
$
8,168
  
$
2,323,548
  
$
876
  
$
39,759
 
                 
December 31, 2019
                
Commercial real estate
 
$
299
  
$
657,896
  
$
—
  
$
5,049
 
Commercial - specialized
  
573
   
308,932
   
—
   
2,287
 
Commercial - general
  
1,396
   
440,002
   
525
   
9,084
 
Consumer:
                
1-4 family residential
  
1,899
   
360,897
   
—
   
2,093
 
Auto loans
  
—
   
215,209
   
—
   
3,385
 
Other consumer
  
—
   
74,000
   
—
   
1,341
 
Construction
  
—
   
82,520
   
—
   
433
 
                 
Total
 
$
4,167
  
$
2,139,456
  
$
525
  
$
23,672
 
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, 2020
                  
Commercial real estate
 
$
4,379
  
$
1,898
  
$
2,481
  
$
4,379
  
$
560
  
$
2,719
 
Commercial - specialized
  
1,074
   
617
   
457
   
1,074
   
190
   
1,210
 
Commercial - general
  
878
   
385
   
493
   
878
   
126
   
1,526
 
Consumer:
              
—
         
1-4 family
  
2,256
   
1,837
   
—
   
1,837
   
—
   
2,012
 
Auto loans
  
—
   
—
   
—
   
—
   
—
   
—
 
Other consumer
  
—
   
—
   
—
   
—
   
—
   
—
 
Construction
  
—
   
—
   
—
   
—
   
—
   
—
 
                         
Total
 
$
8,587
  
$
4,737
  
$
3,431
  
$
8,168
  
$
876
  
$
7,467
 
                         
December 31, 2019
                        
Commercial real estate
 
$
754
  
$
299
  
$
—
  
$
299
  
$
—
  
$
1,059
 
Commercial - specialized
  
573
   
573
   
—
   
573
   
—
   
1,345
 
Commercial - general
  
1,839
   
—
   
1,396
   
1,396
   
525
   
2,173
 
Consumer:
              
—
         
1-4 family
  
2,318
   
1,899
   
—
   
1,899
   
—
   
2,187
 
Auto loans
  
—
   
—
   
—
   
—
   
—
   
—
 
Other consumer
  
—
   
—
   
—
   
—
   
—
   
—
 
Construction
  
—
   
—
   
—
   
—
   
—
   
—
 
                         
Total
 
$
5,484
  
$
2,771
  
$
1,396
  
$
4,167
  
$
525
  
$
6,764
 
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, 2020
         
Commercial real estate
 
$
10,659
  
$
—
  
$
4,424
 
Commercial - specialized
  
56
   
283
   
795
 
Commercial - general
  
179
   
150
   
1,301
 
Consumer:
            
1-4 Family residential
  
1,401
   
2,539
   
821
 
Auto loans
  
324
   
62
   
—
 
Other consumer
  
723
   
42
   
55
 
Construction
  
186
   
—
   
—
 
             
Total
 
$
13,528
  
$
3,076
  
$
7,396
 
             
December 31, 2019
            
Commercial real estate
 
$
37
  
$
116
  
$
162
 
Commercial - specialized
  
708
   
—
   
1,172
 
Commercial - general
  
1,747
   
—
   
2,254
 
Consumer:
            
1-4 Family residential
  
1,212
   
932
   
1,105
 
Auto loans
  
1,468
   
183
   
—
 
Other consumer
  
848
   
121
   
—
 
Construction
  
1,159
   
—
   
—
 
             
Total
 
$
7,179
  
$
1,352
  
$
4,693
 
Summary of Internal Classifications of Loans
The following table summarizes the internal classifications of loans:

  
Pass
  
Special
Mention
  
Substandard
  
Doubtful
  
Total
 
June 30, 2020
               
Commercial real estate
 
$
596,000
  
$
—
  
$
59,906
  
$
—
  
$
655,906
 
Commercial - specialized
  
308,395
   
—
   
17,547
   
—
   
325,942
 
Commercial - general
  
610,280
   
—
   
10,625
   
—
   
620,905
 
Consumer:
                    
1-4 family residential
  
354,591
   
—
   
5,717
   
—
   
360,308
 
Auto loans
  
201,419
   
—
   
844
   
—
   
202,263
 
Other consumer
  
69,468
   
—
   
286
   
—
   
69,754
 
Construction
  
96,216
   
—
   
422
   
—
   
96,638
 
                     
Total
 
$
2,236,369
  
$
—
  
$
95,347
  
$
—
  
$
2,331,716
 
                     
December 31, 2019
                    
Commercial real estate
 
$
632,641
  
$
22,313
  
$
3,241
  
$
—
  
$
658,195
 
Commercial - specialized
  
307,239
   
—
   
2,266
   
—
   
309,505
 
Commercial - general
  
428,155
   
—
   
13,243
   
—
   
441,398
 
Consumer:
                    
1-4 family residential
  
356,422
   
—
   
6,374
   
—
   
362,796
 
Auto loans
  
214,363
   
—
   
846
   
—
   
215,209
 
Other consumer
  
73,716
   
—
   
284
   
—
   
74,000
 
Construction
  
82,520
   
—
   
—
   
—
   
82,520
 
                     
Total
 
$
2,095,056
  
$
22,313
  
$
26,254
  
$
—
  
$
2,143,623