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LOANS HELD FOR INVESTMENT (Tables)
 9 Months Ended
Sep. 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:

  
September 30,
2020
  
December 31,
2019
 
Commercial real estate
 
$
655,432
  
$
658,195
 
Commercial - specialized
  
340,458
   
309,505
 
Commercial - general
  
578,181
   
441,398
 
Consumer:
        
1-4 family residential
  
372,114
   
362,796
 
Auto loans
  
193,023
   
215,209
 
Other consumer
  
68,877
   
74,000
 
Construction
  
80,149
   
82,520
 
   
2,288,234
   
2,143,623
 
Allowance for loan losses
  
(46,076
)
  
(24,197
)
Loans, net
 
$
2,242,158
  
$
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 September 30, 2020
               
Commercial real estate
 
$
15,156
  
$
3,085
  
$
—
  
$
23
  
$
18,264
 
Commercial - specialized
  
6,614
   
(220
)
  
(109
)
  
19
   
6,304
 
Commercial - general
  
9,293
   
977
   
(372
)
  
91
   
9,989
 
Consumer:
                    
1-4 family residential
  
2,926
   
1,688
   
(56
)
  
126
   
4,684
 
Auto loans
  
3,939
   
474
   
(212
)
  
32
   
4,233
 
Other consumer
  
1,640
   
250
   
(262
)
  
99
   
1,727
 
Construction
  
1,067
   
(192
)
  
—
   
—
   
875
 
Total
 
$
40,635
  
$
6,062
  
$
(1,011
)
 
$
390
  
$
46,076
 
                     
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
 

  
Beginning
Balance
  
Provision for
Loan Losses
  
Charge-offs
  
Recoveries
  
Ending
Balance
 
For the nine months ended September 30, 2020
               
Commercial real estate
 
$
5,049
  
$
12,977
  
$
—
  
$
238
  
$
18,264
 
Commercial - specialized
  
2,287
   
4,870
   
(959
)
  
106
   
6,304
 
Commercial - general
  
9,609
   
1,952
   
(1,752
)
  
180
   
9,989
 
Consumer:
                    
1-4 family residential
  
2,093
   
2,520
   
(56
)
  
127
   
4,684
 
Auto loans
  
3,385
   
1,624
   
(916
)
  
140
   
4,233
 
Other consumer
  
1,341
   
1,045
   
(1,011
)
  
352
   
1,727
 
Construction
  
433
   
441
   
—
   
1
   
875
 
                     
Total
 
$
24,197
  
$
25,429
  
$
(4,694
)
 
$
1,144
  
$
46,076
 
                     
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
 

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, 2020
            
Commercial real estate
 
$
4,339
  
$
651,093
  
$
260
  
$
18,004
 
Commercial - specialized
  
—
   
340,458
   
—
   
6,304
 
Commercial - general
  
7,071
   
571,110
   
1,734
   
8,255
 
Consumer:
                
1-4 family residential
  
2,236
   
369,878
   
70
   
4,614
 
Auto loans
  
—
   
193,023
   
—
   
4,233
 
Other consumer
  
—
   
68,877
   
—
   
1,727
 
Construction
  
—
   
80,149
   
—
   
875
 
                 
Total
 
$
13,646
  
$
2,274,588
  
$
2,064
  
$
44,012
 
                 
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
 
September 30, 2020
                  
Commercial real estate
 
$
4,339
  
$
3,380
  
$
959
  
$
4,339
  
$
260
  
$
2,699
 
Commercial - specialized
  
—
   
—
   
—
   
—
   
—
   
673
 
Commercial - general
  
7,071
   
3,298
   
3,773
   
7,071
   
1,734
   
4,622
 
Consumer:
                        
1-4 family
  
2,655
   
1,814
   
422
   
2,236
   
70
   
2,212
 
Auto loans
  
—
   
—
   
—
   
—
   
—
   
—
 
Other consumer
  
—
   
—
   
—
   
—
   
—
   
—
 
Construction
  
—
   
—
   
—
   
—
   
—
   
—
 
                         
Total
 
$
14,065
  
$
8,492
  
$
5,154
  
$
13,646
  
$
2,064
  
$
10,206
 
                         
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
 
September 30, 2020
         
Commercial real estate
 
$
2,846
  
$
—
  
$
4,382
 
Commercial - specialized
  
304
   
—
   
205
 
Commercial - general
  
406
   
—
   
7,638
 
Consumer:
            
1-4 Family residential
  
1,203
   
1,851
   
789
 
Auto loans
  
567
   
73
   
—
 
Other consumer
  
779
   
15
   
53
 
Construction
  
—
   
—
   
—
 
             
Total
 
$
6,105
  
$
1,939
  
$
13,067
 
             
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
 
September 30, 2020
               
Commercial real estate
 
$
593,746
  
$
—
  
$
61,686
  
$
—
  
$
655,432
 
Commercial - specialized
  
331,377
   
—
   
9,081
   
—
   
340,458
 
Commercial - general
  
566,802
   
—
   
11,379
   
—
   
578,181
 
Consumer:
                    
1-4 family residential
  
364,413
   
—
   
7,701
   
—
   
372,114
 
Auto loans
  
191,727
   
—
   
1,296
   
—
   
193,023
 
Other consumer
  
68,447
   
—
   
430
   
—
   
68,877
 
Construction
  
80,149
   
—
   
—
   
—
   
80,149
 
                     
Total
 
$
2,196,661
  
$
—
  
$
91,573
  
$
—
  
$
2,288,234
 
                     
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