GOODWILL AND OTHER INTANGIBLE ASSETS (Tables)

12 Months Ended

Dec. 31, 2019

GOODWILL AND OTHER INTANGIBLE ASSETS

Schedule of goodwill and deposit based intangible initial balance

			Deposit Based
	Goodwill		Intangible
	Balance		Initial Balance
Peninsula	$	3,805	$	1,206
Eagle River		1,839		993
Niagara		50		300
FFNM		12,628		2,894
Lincoln		1,252		1,353
Total	$	19,574	$	6,746

Schedule of deposit based intangible asset amortization

	Deposit Based
	Intangible		December 31, 2019		Future Annual
	December 31, 2019		Amortization		Amortization
	Balance		Expense		Expense
Peninsula	$	594	$	121	$	121
Eagle River		629		99		99
Niagara		200		30		30
FFNM		2,436		299		290
Lincoln		1,184		128		135
Total	$	5,043	$	677	$	675

	Deposit Based
	Intangible		2018
	December 31, 2018		Amortization
	Balance		Expense
Peninsula	$	714	$	121
Eagle River		728		99
Niagara		230		30
FFNM		2,735		159
Lincoln		1,313		41
Total	$	5,720	$	450