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ALLOWANCE FOR CREDIT LOSSES
 3 Months Ended
Mar. 31, 2022
Loans and Leases Receivable Disclosure [Abstract]  
ALLOWANCE FOR CREDIT LOSSES ALLOWANCE FOR CREDIT LOSSES
Changes in the allowance for credit losses on loans for the three months ended March 31, 2022, and March 31, 2021, were as follows, in thousands:
Commercial
and
Industrial		PPPOwner Occupied Commercial Real EstateNon-Owner Occupied Commercial Real EstateReal Estate ConstructionAgricultural and Agricultural
Real Estate		Residential
Real Estate		ConsumerTotal
Balance at December 31, 2021$27,738 $— $19,214 $17,908 $22,538 $5,213 $8,427 $9,050 $110,088 
Charge-offs(4,500)— — (129)— (3,104)(88)(5,396)(13,217)
Recoveries206 — 40 33 7 453 — 284 1,023 
Provision (benefit)2,356 — (1,279)(1,799)(1,148)105 (464)4,857 2,628 
Balance at March 31, 2022
$25,800 $— $17,975 $16,013 $21,397 $2,667 $7,875 $8,795 $100,522 

Commercial
and
Industrial		PPPOwner Occupied Commercial Real EstateNon-Owner Occupied Commercial Real EstateReal Estate ConstructionAgricultural and Agricultural
Real Estate		Residential
Real Estate		ConsumerTotal
Balance at December 31, 2020$38,818 $— $20,001 $20,873 $20,080 $7,129 $11,935 $12,770 $131,606 
Charge-offs(948)— (41)— — (318)(21)(798)(2,126)
Recoveries293 — 53 — 2 21 5 302 676 
Provision (benefit)(2,068)— (597)3,821 (151)279 (907)(361)16 
Balance at March 31, 2021$36,095 $— $19,416 $24,694 $19,931 $7,111 $11,012 $11,913 $130,172 

Management allocates the allowance for credit losses by pools of risk within each loan portfolio. The allocation of the allowance for credit losses by loan portfolio is made for analytical purposes and is not necessarily indicative of the trend of future loan losses in any particular category. The total allowance for credit losses is available to absorb losses from any segment of the loan portfolio.

Changes in the allowance for credit losses on unfunded commitments for the three months ended March 31, 2022 and March 31, 2021, were as follows:
For the Three Months Ended
March 31,
20222021
Balance at December 31, $15,462 $15,280 
Provision (benefit)617 (661)
Balance at March 31,$16,079 $14,619