Macatawa Bank (MCBC) 10-K 20 Feb 20 2019 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2019	Feb. 20, 2020	Jun. 30, 2019
Cover [Abstract]
Entity Registrant Name	MACATAWA BANK CORP
Entity Central Index Key	0001053584
Current Fiscal Year End Date	--12-31
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Shell Company	false
Entity Filer Category	Accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Public Float			$ 320,494,000
Entity Common Stock, Shares Outstanding		34,101,918
Document Type	10-K
Amendment Flag	false
Document Period End Date	Dec. 31, 2019
Document Fiscal Year Focus	2019
Document Fiscal Period Focus	FY
Entity Address, State or Province	MI

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
ASSETS
Cash and due from banks	$ 31,942	$ 40,526
Federal funds sold and other short-term investments	240,508	130,758
Cash and cash equivalents	272,450	171,284
Securities available for sale, at fair value	225,249	226,986
Securities held to maturity (fair value 2019 - $85,128 and 2018 - $71,505)	82,720	70,334
Federal Home Loan Bank (FHLB) stock	11,558	11,558
Loans held for sale, at fair value	3,294	415
Total loans	1,385,627	1,405,658
Allowance for loan losses	(17,200)	(16,876)
Net loans	1,368,427	1,388,782
Premises and equipment - net	43,417	44,862
Accrued interest receivable	4,866	5,279
Bank-owned life insurance (BOLI)	42,156	41,185
Other real estate owned - net	2,748	3,380
Net deferred tax asset	2,078	3,380
Other assets	9,807	7,679
Total assets	2,068,770	1,975,124
Deposits
Noninterest-bearing	482,499	485,530
Interest-bearing	1,270,795	1,191,209
Total deposits	1,753,294	1,676,739
Other borrowed funds	60,000	60,000
Long-term debt	20,619	41,238
Accrued expenses and other liabilities	17,388	6,294
Total liabilities	1,851,301	1,784,271
Commitments and contingent liabilities
Shareholders' equity
Common stock, no par value, 200,000,000 shares authorized; 34,103,542 and 34,045,411 shares issued and outstanding at December 31, 2019 and December 31, 2018	218,109	217,783
Retained deficit	(2,184)	(24,652)
Accumulated other comprehensive income (loss)	1,544	(2,278)
Total shareholders' equity	217,469	190,853
Total liabilities and shareholders' equity	$ 2,068,770	$ 1,975,124

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
ASSETS
Securities held to maturity fair value	$ 85,128	$ 71,505
Shareholders' equity
Common stock, par value (in dollars per share)	$ 0	$ 0
Common stock, shares authorized (in shares)	200,000,000	200,000,000
Common stock, shares issued (in shares)	34,103,542	34,045,411
Common stock, shares outstanding (in shares)	34,103,542	34,045,411

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Interest income
Loans, including fees	$ 63,609	$ 58,852
Securities
Taxable	3,864	3,716
Tax-exempt	3,518	3,464
FHLB Stock	614	578
Federal funds sold and other short-term investments	4,337	2,427
Total interest income	75,942	69,037
Interest expense
Deposits	8,854	5,881
Other borrowings	1,369	1,403
Long-term debt	2,232	2,127
Total interest expense	12,455	9,411
Net interest income	63,487	59,626
Provision for loan losses	(450)	450
Net interest income after provision for loan losses	63,937	59,176
Noninterest income
Service charges and fees	4,415	4,377
Net gains on mortgage loans	2,347	924
Trust fees	3,812	3,643
ATM and debit card fees	5,753	5,535
BOLI income	972	942
Other	2,429	2,082
Total noninterest income	19,728	17,503
Noninterest expense
Salaries and benefits	24,679	25,207
Occupancy of premises	3,994	3,931
Furniture and equipment	3,420	3,125
Legal and professional	952	806
Marketing and promotion	919	881
Data processing	2,980	2,986
FDIC assessment	239	518
Interchange and other card expense	1,414	1,409
Bond and D&O Insurance	413	440
Net gains on repossessed and foreclosed properties	(24)	(207)
Administration and disposition of problem assets	277	276
Other	4,961	4,957
Total noninterest expenses	44,224	44,329
Income before income tax	39,441	32,350
Income tax expense	7,462	5,971
Net income	$ 31,979	$ 26,379
Basic earnings per common share (in dollars per share)	$ 0.94	$ 0.78
Diluted earnings per common share (in dollars per share)	0.94	0.78
Cash dividends per common share (in dollars per share)	$ 0.28	$ 0.25

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME [Abstract]
Net income	$ 31,979	$ 26,379
Unrealized gains (losses):
Net change in unrealized gains (losses) on securities available for sale	4,834	(927)
Tax effect	(1,012)	194
Net change in unrealized gains (losses) on securities available for sale, net of tax	3,822	(733)
Less: reclassification adjustments:
Reclassification for gains included in net income	0	0
Tax effect	0	0
Reclassification for gains included in net income, net of tax	0	0
Other comprehensive income (loss), net of tax	3,822	(733)
Comprehensive income	$ 35,801	$ 25,646

CONSOLIDATED STATEMENTS OF CHAN

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY - USD ($) $ in Thousands	Common Stock [Member]	Retained Deficit [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Total
Balance at Dec. 31, 2017	$ 217,081	$ (42,804)	$ (1,291)	$ 172,986
Cumulative effect adjustment/ Reclassification upon adoption of new accounting principle (ASU 2018-02 [Member]) at Dec. 31, 2017	0	278	(278)	0
Balance, adjusted at Dec. 31, 2017	217,081	(42,526)	(1,569)	172,986
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	0	26,379	0	26,379
Cash dividends	0	(8,481)	0	(8,481)
Repurchase of shares for taxes withheld on vested restricted stock	(136)	0	0	(136)
Issuance of shares for stock option exercise	386	0	0	386
Net change in unrealized gain (loss) on securities available for sale, net of tax	0	0	(733)	(733)
Stock compensation expense	452	0	0	452
Balance at Dec. 31, 2018	217,783	(24,652)	(2,278)	190,853
Cumulative effect adjustment/ Reclassification upon adoption of new accounting principle (ASU 2016-01 [Member]) at Dec. 31, 2018	0	(24)	24	0
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	0	31,979	0	31,979
Cash dividends	0	(9,511)	0	(9,511)
Repurchase of shares for taxes withheld on vested restricted stock	(101)	0	0	(101)
Net change in unrealized gain (loss) on securities available for sale, net of tax	0	0	3,822	3,822
Stock compensation expense	427	0	0	427
Balance at Dec. 31, 2019	$ 218,109	$ (2,184)	$ 1,544	$ 217,469

CONSOLIDATED STATEMENTS OF CH_2

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Cash dividend (in dollars per share)	$ 0.28	$ 0.25
Common Stock [Member]
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Number of shares repurchased for taxes withheld on vested restricted stock (in shares)	9,400	13,351
Number of shares issued for stock option exercise (in shares)		45,000

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Cash flows from operating activities
Net income	$ 31,979	$ 26,379
Adjustments to reconcile net income to net cash from operating activities:
Depreciation, amortization and accretion	2,212	2,562
Stock compensation expense	427	452
Provision for loan losses	(450)	450
Origination of loans for sale	(82,281)	(33,907)
Proceeds from sales of loans originated for sale	81,749	35,624
Net gains on mortgage loans	(2,347)	(924)
Gain on sales of securities	0	0
Write-down of other real estate	14	323
Write-down of other assets held for sale	0	234
Net gain on sales of other real estate and repossessed assets	(38)	(530)
Net gain on sales of premises and equipment held for sale	(19)	0
Deferred income tax expense	290	502
Deferred tax asset valuation allowance change	0	92
Change in accrued interest receivable and other assets	(2,037)	(1,841)
Earnings in bank-owned life insurance	(972)	(942)
Change in accrued expenses and other liabilities	1,193	1,161
Net cash from operating activities	29,720	29,635
Cash flows from investing activities
Loan originations and payments, net	20,805	(85,816)
Purchases of securities available for sale	(58,403)	(34,391)
Purchases of securities held to maturity	(20,478)	(7,623)
Proceeds from:
Maturities and calls of securities	72,188	31,706
Sales of securities available for sale	0	0
Principal paydowns on securities	11,053	17,322
Sales of other real estate and repossessed assets	656	2,887
Sales of premises and equipment held for sale	342	0
Additions to premises and equipment	(1,041)	(1,283)
Net cash from investing activities	25,122	(77,198)
Cash flows from financing activities
Change in deposits	76,555	97,729
Repayments and maturities of other borrowed funds	(30,619)	(52,118)
Proceeds from other borrowed funds	10,000	20,000
Proceeds from exercise of stock options	0	386
Cash dividends paid	(9,511)	(8,481)
Repurchase of shares for taxes withheld on vested restricted stock	(101)	(136)
Net cash from financing activities	46,324	57,380
Net change in cash and cash equivalents	101,166	9,817
Cash and cash equivalents at beginning of period	171,284	161,467
Cash and cash equivalents at end of period	272,450	171,284
Supplemental cash flow information
Interest paid	12,440	9,513
Income taxes paid	7,200	5,300
Supplemental noncash disclosures:
Transfers from loans to other real estate	0	293
Security settlement	9,901	0
Transfer from premises and equipment to other assets held for sale	$ 0	$ 557

SUMMARY OF SIGNIFICANT ACCOUNTI

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	12 Months Ended
	Dec. 31, 2019
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	NOTE 1 – SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Nature of Operations and Principles of Consolidation Macatawa Bank is a Michigan chartered bank with depository accounts insured by the Federal Deposit Insurance Corporation. The Bank operates 26 full service branch offices providing a full range of commercial and consumer banking and trust services in Kent County, Ottawa County, and northern Allegan County, Michigan. The Company owns all of the common securities of Macatawa Statutory Trust I and Macatawa Statutory Trust II. These are grantor trusts that issued trust preferred securities and are discussed in a separate note. Under generally accepted accounting principles, these trusts are not consolidated into the financial statements of the Company. Use of Estimates Concentration of Credit Risk Cash and Cash Equivalents Cash Flow Reporting Restrictions on Cash Securities Interest income includes amortization of purchase premium or discount. Premiums and discounts on securities are amortized on the level yield method without anticipating prepayments. Gains and losses on sales are based on the amortized cost of the security sold. Management evaluates securities for other-than-temporary impairment (“OTTI”) at least on a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation. Investment securities classified as available for sale or held-to-maturity are generally evaluated for OTTI under ASC Topic 320, Investments — Debt and Equity Instruments In determining OTTI, management considers many factors, including: (1) the length of time and the extent to which the fair value has been less than cost, (2) the financial condition and near-term prospects of the issuer, (3) whether the market decline was affected by macroeconomic conditions, and (4) whether the entity has the intent to sell the debt security or more likely than not will be required to sell the debt security before its anticipated recovery. The assessment of whether an other-than-temporary decline exists involves a high degree of subjectivity and judgment and is based on the information available to management at a point in time. Management has determined that no OTTI charges were necessary during 2019 and 2018. Federal Home Loan Bank (FHLB) Stock Loans Held for Sale Loans Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, are deferred and recognized in interest income over the respective term of the loan using the level-yield method without anticipating prepayments. Interest income on mortgage and commercial loans is discontinued at the time the loan is 90 days delinquent unless the loan is well-secured and in process of collection. Consumer loans are typically charged off no later than 120 days past due. Past due status is based on the contractual terms of the loan. In all cases, loans are placed on nonaccrual or charged-off at an earlier date if collection of principal or interest is considered doubtful. Nonaccrual loans and loans past due 90 days still on accrual include both smaller balance homogeneous loans that are collectively evaluated for impairment and individually classified impaired loans. All interest accrued but not received for loans placed on nonaccrual is reversed against interest income. Interest received on such loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured. Allowance for Loan Losses The allowance consists of specific and general components. The specific component relates to loans that are individually classified as impaired. The general component covers non-classified loans and is based on historical loss experience adjusted for current qualitative environmental factors. The Company maintains a loss migration analysis that tracks loan losses and recoveries based on loan class as well as the loan risk grade assignment for commercial loans. At December 31, 2019 and 2018, an 18 month (six quarter) annualized historical loss experience was used for commercial loans and a 12 month (four quarter) historical loss experience period was applied to residential mortgage and consumer loan portfolios. These historical loss percentages are adjusted (both upwards and downwards) for certain qualitative environmental factors, including economic trends, credit quality trends, valuation trends, concentration risk, quality of loan review, changes in personnel, competition, increasing interest rates, external factors and other considerations. A loan is impaired when, based on current information and events, it is believed to be probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement. Loans for which the terms have been modified and for which the borrower is experiencing financial difficulties, are considered troubled debt restructurings and classified as impaired. Commercial and commercial real estate loans with relationship balances exceeding $500,000 and an internal risk grading of 6 or worse are evaluated for impairment. If a loan is impaired, a portion of the allowance is allocated so that the loan is reported, net, at the present value of estimated future cash flows using the loan’s existing interest rate or at the fair value of collateral, less estimated costs to sell, if repayment is expected solely from the collateral. Large groups of smaller balance homogeneous loans, such as consumer and residential real estate loans are collectively evaluated for impairment and, accordingly, they are not separately identified for impairment disclosures. Troubled debt restructurings are also considered impaired with impairment generally measured at the present value of estimated future cash flows using the loan’s effective rate at inception or using the fair value of collateral, less estimated costs to sell, if repayment is expected solely from the collateral. Transfers of Financial Assets Foreclosed Assets Premises and Equipment Bank-Owned Life Insurance (BOLI): Goodwill and Acquired Intangible Assets Acquired intangible assets consist of core deposit and customer relationship intangible assets arising from acquisitions. They are initially measured at fair value and then are amortized on an accelerated method over their estimated useful lives, which range from ten to sixteen years. The Company had no acquired intangible assets at December 31, 2019 and 2018. Long-term Assets Loan Commitments and Related Financial Instruments Mortgage Banking Derivatives Changes in the fair values of these interest rate lock and forward commitment derivatives are included in net gains on mortgage loans. The net fair value of mortgage banking derivatives was approximately $36,000 and $15,000 at December 31, 2019 and 2018, respectively. Revenue Recognition Interest Income: The Company’s largest source of revenue is interest income which is primarily recognized on an accrual basis based on contractual terms written into loans and investment contracts. Noninterest Revenue: The Company derives the majority of its noninterest revenue from: (1) service charges for deposit related services, (2) gains related to mortgage loan sales, (3) trust fees and (4) debit and credit card interchange income. Most of these services are transaction based and revenue is recognized as the related service is provided. Derivatives Income Taxes The Company recognizes a tax position as a benefit only if it is “more likely than not” that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized on examination. For tax positions not meeting the “more likely than not” test, no tax benefit is recorded. The Company recognizes interest and/or penalties related to income tax matters in income tax expense. During the first quarter of 2018, the Company adopted ASU 2018-02, allowing for the reclassification of the income tax effects of the revaluation the deferred tax impact on accumulated other comprehensive income (“AOCI”) due to the enactment of tax reform at the end of 2017. The Company’s only component of AOCI is the fair value adjustment for securities available for sale. Upon adoption of this ASU, a transfer was made from AOCI to retained earnings in the amount of $278,000. Earnings Per Common Share Comprehensive Income Loss Contingencies Stock Splits and Dividends Dividend Restriction Fair Values of Financial Instruments Segment Reporting Reclassifications Adoption of New Accounting Standards Reclassification of Certain Tax Effects from Accumulated Other Comprehensive Income. FASB issued ASU 2016-02, Leases FASB issued ASU 2017-12, Targeted Improvements to Accounting for Hedging Activities Derivatives and Hedging Newly Issued Not Yet Effective Standards FASB issued ASU No. 2016-13, Financial Instruments—Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments Financial Instruments – Credit Losses (Topic 326), Derivatives and Hedging (Topic 815), and Leases (Topic 842) – Effective Dates

SECURITIES

SECURITIES	12 Months Ended
	Dec. 31, 2019
SECURITIES [Abstract]
SECURITIES	NOTE 2 – SECURITIES The amortized cost and fair value of securities were as follows (dollars in thousands): Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value December 31, 2019 Available for Sale: U.S. Treasury and federal agency securities $ 74,839 $ 95 $ (185 ) $ 74,749 U.S. Agency MBS and CMOs 45,795 474 (68 ) 46,201 Tax-exempt state and municipal bonds 44,718 1,244 — 45,962 Taxable state and municipal bonds 51,683 404 (65 ) 52,022 Corporate bonds and other debt securities 6,263 55 (3 ) 6,315 $ 223,298 $ 2,272 $ (321 ) $ 225,249 Held to Maturity Tax-exempt state and municipal bonds $ 82,720 $ 2,408 $ — $ 85,128 December 31, 2018 Available for Sale: U.S. Treasury and federal agency securities $ 97,102 $ 6 $ (1,710 ) $ 95,398 U.S. Agency MBS and CMOs 33,287 97 (494 ) 32,890 Tax-exempt state and municipal bonds 45,212 246 (331 ) 45,127 Taxable state and municipal bonds 46,565 59 (690 ) 45,934 Corporate bonds and other debt securities 7,703 2 (68 ) 7,637 $ 229,869 $ 410 $ (3,293 ) $ 226,986 Held to Maturity Tax-exempt state and municipal bonds $ 70,334 $ 1,488 $ (317 ) $ 71,505 There were no sales of securities available for sale during the years ended December 31, 2019 and 2018. Contractual maturities of debt securities at December 31, 2019 were as follows (dollars in thousands): Held–to-Maturity Securities Available-for-Sale Securities Amortized Cost Fair Value Amortized Cost Fair Value Due in one year or less $ 18,952 $ 19,049 $ 30,757 $ 30,767 Due from one to five years 28,302 29,114 93,541 94,373 Due from five to ten years 16,841 17,505 53,366 54,090 Due after ten years 18,625 19,460 45,634 46,019 $ 82,720 $ 85,128 $ 223,298 $ 225,249 Securities with unrealized losses at December 31, 2019 and 2018, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, are as follows (dollars in thousands): Less than 12 Months 12 Months or More Total December 31, 2019 Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Available for Sale: U.S. Treasury and federal agency securities $ 15,009 $ (97 ) $ 27,026 $ (87 ) $ 42,035 $ (184 ) U.S. Agency MBS and CMOs 19,117 (56 ) 1,196 (12 ) 20,313 (68 ) Tax-exempt state and municipal bonds 319 — — — 319 — Taxable state and municipal bonds 8,569 (57 ) 2,981 (9 ) 11,550 (66 ) Corporate bonds and other debt securities 932 — 852 (3 ) 1,784 (3 ) Total $ 43,946 $ (210 ) $ 32,055 $ (111 ) $ 76,001 $ (321 ) Held to Maturity: Tax-exempt state and municipal bonds $ — $ — $ — $ — $ — $ — Less than 12 Months 12 Months or More Total December 31, 2018 Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Available for Sale: U.S. Treasury and federal agency securities $ 1,974 $ (26 ) $ 82,895 $ (1,684 ) $ 84,869 $ (1,710 ) U.S. Agency MBS and CMOs 1,728 (13 ) 18,712 (481 ) 20,440 (494 ) Tax-exempt state and municipal bonds 8,987 (69 ) 10,785 (262 ) 19,772 (331 ) Taxable state and municipal bonds 4,035 (19 ) 37,021 (671 ) 41,056 (690 ) Corporate bonds and other debt securities 2,698 (12 ) 8,170 (56 ) 10,868 (68 ) Total $ 19,422 $ (139 ) $ 157,583 $ (3,154 ) $ 177,005 $ (3,293 ) Held to Maturity: Tax-exempt state and municipal bonds $ 8,533 $ (76 ) $ 4,683 $ (241 ) $ 13,216 $ (317 ) Other-Than-Temporary-Impairment Management evaluates securities for OTTI at least on a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation. At December 31, 2019, 70 securities available for sale with fair values totaling $76.0 million had unrealized losses totaling $321,000. At December 31, 2019, no securities held to maturity had unrealized losses. Management has the ability and intent to hold the securities classified as held to maturity until they mature, at which time the Company will receive full value for the securities. In addition, management believes it is more likely than not that the Company will not be required to sell any of its investment securities before a recovery of cost. Management determined that the unrealized losses for each period were attributable to changes in interest rates and not due to credit quality. As such, no OTTI charges were necessary during 2019 and 2018. Securities with a carrying value of approximately $3.0 million and $2.0 million were pledged as security for public deposits, letters of credit and for other purposes required or permitted by law at December 31, 2019 and 2018, respectively.

LOANS

LOANS	12 Months Ended
	Dec. 31, 2019
LOANS [Abstract]
LOANS	NOTE 3 – LOANS Portfolio loans were as follows at year end (dollars in thousands): 2019 2018 Commercial and industrial $ 499,572 $ 513,345 Commercial real estate: Residential developed 14,705 14,825 Unsecured to residential developers — — Vacant and unimproved 41,796 44,169 Commercial development 665 712 Residential improved 130,861 98,500 Commercial improved 292,799 295,618 Manufacturing and industrial 117,632 114,887 Total commercial real estate 598,458 568,711 Consumer Residential mortgage 211,049 238,174 Unsecured 274 130 Home equity 70,936 78,503 Other secured 5,338 6,795 Total consumer 287,597 323,602 Total loans 1,385,627 1,405,658 Allowance for loan losses (17,200 ) (16,876 ) $ 1,368,427 $ 1,388,782 The following tables present the activity in the allowance for loan losses by portfolio segment for the years ended December 31, 2019 and 2018 (dollars in thousands): 2019 Commercial and Industrial Commercial Real Estate Consumer Unallocated Total Beginning balance $ 6,856 $ 6,544 $ 3,449 $ 27 $ 16,876 Charge-offs — (132 ) (147 ) — (279 ) Recoveries 528 388 137 — 1,053 Provision for loan losses 274 (279 ) (430 ) (15 ) (450 ) Ending Balance $ 7,658 $ 6,521 $ 3,009 $ 12 $ 17,200 2018 Commercial and Industrial Commercial Real Estate Consumer Unallocated Total Beginning balance $ 6,478 $ 6,590 $ 3,494 $ 38 $ 16,600 Charge-offs (1,206 ) — (129 ) — (1,335 ) Recoveries 86 922 153 — 1,161 Provision for loan losses 1,498 (968 ) (69 ) (11 ) 450 Ending Balance $ 6,856 $ 6,544 $ 3,449 $ 27 $ 16,876 The following tables present the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method (dollars in thousands): December 31, 2019 Commercial and Industrial Commercial Real Estate Consumer Unallocated Total Allowance for loan losses: Ending allowance attributable to loans: Individually reviewed for impairment $ 1,213 $ 32 $ 379 $ — $ 1,624 Collectively evaluated for impairment 6,445 6,489 2,630 12 15,576 Total ending allowance balance $ 7,658 $ 6,521 $ 3,009 $ 12 $ 17,200 Loans: Individually reviewed for impairment $ 5,797 $ 2,928 $ 5,140 $ — $ 13,865 Collectively evaluated for impairment 493,775 595,530 282,457 — 1,371,762 Total ending loans balance $ 499,572 $ 598,458 $ 287,597 $ — $ 1,385,627 December 31, 2018 Commercial and Industrial Commercial Real Estate Consumer Unallocated Total Allowance for loan losses: Ending allowance attributable to loans: Individually reviewed for impairment $ 449 $ 181 $ 468 $ — $ 1,098 Collectively evaluated for impairment 6,407 6,363 2,981 27 15,778 Total ending allowance balance $ 6,856 $ 6,544 $ 3,449 $ 27 $ 16,876 Loans: Individually reviewed for impairment $ 7,375 $ 3,499 $ 6,347 $ — $ 17,221 Collectively evaluated for impairment 505,970 565,212 317,255 — 1,388,437 Total ending loans balance $ 513,345 $ 568,711 $ 323,602 $ — $ 1,405,658 The following table presents loans individually evaluated for impairment by class of loans as of December 31, 2019 (dollars in thousands): December 31, 2019 Unpaid Principal Balance Recorded Investment Allowance Allocated With no related allowance recorded: Commercial and industrial $ 180 $ 180 $ — Commercial real estate: Residential developed — — — Unsecured to residential developers — — — Vacant and unimproved 130 130 — Commercial development — — — Residential improved 377 377 — Commercial improved 1,380 1,380 — Manufacturing and industrial — — — 1,887 1,887 — Consumer: Residential mortgage — — — Unsecured — — — Home equity — — — Other secured — — — — — — Total with no related allowance recorded $ 2,067 $ 2,067 $ — With an allowance recorded: Commercial and industrial $ 5,617 $ 5,617 $ 1,213 Commercial real estate: Residential developed 76 76 3 Unsecured to residential developers — — — Vacant and unimproved — — — Commercial development — — — Residential improved 28 28 2 Commercial improved 578 578 16 Manufacturing and industrial 359 359 11 1,041 1,041 32 Consumer: Residential mortgage 4,242 4,242 313 Unsecured 198 198 14 Home equity 677 677 50 Other secured 23 23 2 5,140 5,140 379 Total with an allowance recorded $ 11,798 $ 11,798 $ 1,624 Total $ 13,865 $ 13,865 $ 1,624 The following table presents loans individually evaluated for impairment by class of loans as of December 31, 2018 (dollars in thousands): December 31, 2018 Unpaid Principal Balance Recorded Investment Allowance Allocated With no related allowance recorded: Commercial and industrial $ 2,515 $ 1,375 $ — Commercial real estate: Residential developed — — — Unsecured to residential developers — — — Vacant and unimproved 143 143 — Commercial development — — — Residential improved 140 140 — Commercial improved 1,675 1,675 — Manufacturing and industrial — — — 1,958 1,958 — Consumer: Residential mortgage — — — Unsecured — — — Home equity — — — Other secured — — — — — — Total with no related allowance recorded $ 4,473 $ 3,333 $ — With an allowance recorded: Commercial and industrial $ 6,000 $ 6,000 $ 449 Commercial real estate: Residential developed 172 172 2 Unsecured to residential developers — — — Vacant and unimproved — — — Commercial development — — — Residential improved 193 193 13 Commercial improved 794 794 155 Manufacturing and industrial 382 382 11 1,541 1,541 181 Consumer: Residential mortgage 5,029 5,029 371 Unsecured — — — Home equity 1,318 1,318 97 Other secured — — — 6,347 6,347 468 Total with an allowance recorded $ 13,888 $ 13,888 $ 1,098 Total $ 18,361 $ 17,221 $ 1,098 The following table presents information regarding average balances of impaired loans and interest recognized on impaired loans for the years ended December 31, 2019 and 2018 (dollars in thousands): 2019 2018 Average of impaired loans during the period: Commercial and industrial $ 5,257 $ 5,398 Commercial real estate: Residential developed 139 175 Unsecured to residential developers — — Vacant and unimproved 99 208 Commercial development — 32 Residential improved 430 845 Commercial improved 2,114 3,303 Manufacturing and industrial 368 357 Consumer 5,724 7,191 Interest income recognized during impairment: Commercial and industrial 945 1,034 Commercial real estate 188 219 Consumer 262 295 Cash-basis interest income recognized Commercial and industrial 955 1,034 Commercial real estate 192 172 Consumer 264 293 Nonaccrual loans include both smaller balance homogeneous loans that are collectively evaluated for impairment and individually classified impaired loans. The following tables present the recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans as of December 31, 2019 and 2018 (dollars in thousands): December 31, 2019 Nonaccrual Over 90 days Accruing Commercial and industrial $ — $ — Commercial real estate: Residential developed — — Unsecured to residential developers — — Vacant and unimproved — — Commercial development — — Residential improved 98 — Commercial improved — — Manufacturing and industrial — — 98 — Consumer: Residential mortgage 105 — Unsecured — — Home equity — — Other secured — — 105 — Total $ 203 $ — December 31, 2018 Nonaccrual Over 90 days Accruing Commercial and industrial $ 874 $ — Commercial real estate: Residential developed — — Unsecured to residential developers — — Vacant and unimproved — — Commercial development — — Residential improved 15 — Commercial improved 303 — Manufacturing and industrial — — 318 — Consumer: Residential mortgage 111 — Unsecured — — Home equity — 1 Other secured — — 111 1 Total $ 1,303 $ 1 The following table presents the aging of the recorded investment in past due loans as of December 31, 2019 by class of loans (dollars in thousands): December 31, 2019 30-90 Days Greater Than 90 Days Total Past Due Loans Not Past Due Total Commercial and industrial $ — $ — $ — $ 499,572 $ 499,572 Commercial real estate: Residential developed — — — 14,705 14,705 Unsecured to residential developers — — — — — Vacant and unimproved — — — 41,796 41,796 Commercial development — — — 665 665 Residential improved 171 15 186 130,675 130,861 Commercial improved 103 — 103 292,696 292,799 Manufacturing and industrial — — — 117,632 117,632 274 15 289 598,169 598,458 Consumer: Residential mortgage 2 103 105 210,944 211,049 Unsecured — — — 274 274 Home equity 8 — 8 70,928 70,936 Other secured 3 — 3 5,335 5,338 13 103 116 287,481 287,597 Total $ 287 $ 118 $ 405 $ 1,385,222 $ 1,385,627 The following table presents the aging of the recorded investment in past due loans as of December 31, 2018 by class of loans (dollars in thousands): December 31, 2018 30-90 Days Greater Than 90 Days Total Past Due Loans Not Past Due Total Commercial and industrial $ — $ — $ — $ 513,345 $ 513,345 Commercial real estate: Residential developed — — — 14,825 14,825 Unsecured to residential developers — — — — — Vacant and unimproved 57 — 57 44,112 44,169 Commercial development — — — 712 712 Residential improved 86 16 102 98,398 98,500 Commercial improved 100 303 403 295,215 295,618 Manufacturing and industrial — — — 114,887 114,887 243 319 562 568,149 568,711 Consumer: Residential mortgage — 110 110 238,064 238,174 Unsecured 7 — 7 123 130 Home equity 67 1 68 78,435 78,503 Other secured 130 — 130 6,665 6,795 204 111 315 323,287 323,602 Total $ 447 $ 430 $ 877 $ 1,404,781 $ 1,405,658 The Company had allocated $1,624,000 and $1,098,000 of specific reserves to customers whose loan terms have been modified in troubled debt restructurings (“TDRs”) as of December 31, 2019 and 2018, respectively. These loans may have involved the restructuring of terms to allow customers to mitigate the risk of foreclosure by meeting a lower loan payment requirement based upon their current cash flow. These may also include loans that renewed at existing contractual rates, but below market rates for comparable credit. The Company has been active at utilizing these programs and working with its customers to reduce the risk of foreclosure. For commercial loans, these modifications typically include an interest only period and, in some cases, a lowering of the interest rate on the loan. In some cases, the modification will include separating the note into two notes with the first note structured to be supported by current cash flows and collateral, and the second note made for the remaining unsecured debt. The second note is charged off immediately and collected only after the first note is paid in full. This modification type is commonly referred to as an A-B note structure. For consumer mortgage loans, the restructuring typically includes a lowering of the interest rate to provide payment and cash flow relief. For each restructuring, a comprehensive credit underwriting analysis of the borrower’s financial condition and prospects of repayment under the revised terms is performed to assess whether the structure can be successful and that cash flows will be sufficient to support the restructured debt. An analysis is also performed to determine whether the restructured loan should be on accrual status. Generally, if the loan is on accrual at the time of restructure, it will remain on accrual after the restructuring. In some cases, a nonaccrual loan may be placed on accrual at restructuring if the loan’s actual payment history demonstrates it would have cash flowed under the restructured terms. After six consecutive payments under the restructured terms, a nonaccrual restructured loan is reviewed for possible upgrade to accruing status. Based upon regulatory guidance issued in 2014, the Company has determined that in situations where there is a subsequent modification or renewal and the loan is brought to market terms, including a contractual interest rate not less than a market interest rate for new debt with similar credit risk characteristics, the TDR and impaired loan designations may be removed. In addition, the TDR designation may also be removed from loans modified under an A-B note structure. If the remaining “A” note is at a market rate at the time of restructuring (taking into account the borrower’s credit risk and prevailing market conditions), the loan can be removed from TDR designation in a subsequent calendar year after six months of performance in accordance with the new terms. The market rate relative to the borrower’s credit risk is determined through analysis of market pricing information gathered from peers and use of a loan pricing model. The general objective of the model is to achieve a consistent return on equity from one credit to the next, taking into consideration differences in credit risk. In the model, credits with higher risk receive a higher potential loss allocation, and therefore require a higher interest rate to achieve the target return on equity. As with other impaired loans, an allowance for loan loss is estimated for each TDR based on the most likely source of repayment for each loan. For impaired commercial real estate loans that are collateral dependent, the allowance is computed based on the fair value of the underlying collateral, less estimated costs to sell. For impaired commercial loans where repayment is expected from cash flows from business operations, the allowance is computed based on a discounted cash flow computation. Certain groups of TDRs, such as residential mortgages, have common characteristics and for them the allowance is computed based on a discounted cash flow computation on the change in weighted rate for the pool. The allowance allocations for commercial TDRs where we have reduced the contractual interest rate are computed by measuring cash flows using the new payment terms discounted at the original contractual rate. The following table presents information regarding TDRs as of December 31, 2019 and 2018 (dollars in thousands): 2019 2018 Number of Loans Outstanding Recorded Balance Number of Loans Outstanding Recorded Balance Commercial and industrial 7 $ 5,797 18 $ 6,502 Commercial real estate 15 2,770 22 3,305 Consumer 69 5,140 83 6,346 91 $ 13,707 123 $ 16,153 The following table presents information related to accruing TDRs as of December 31, 2019 and 2018. The table presents the amount of accruing TDRs that were on nonaccrual status prior to the restructuring, accruing at the time of restructuring and those that were upgraded to accruing status after receiving six consecutive monthly payments in accordance with the restructured terms as of December 31, 2019 and 2018 (dollars in thousands): 2019 2018 Accruing TDR - nonaccrual at restructuring $ — $ — Accruing TDR - accruing at restructuring 8,295 10,336 Accruing TDR - upgraded to accruing after six consecutive payments 5,314 5,693 $ 13,609 $ 16,029 The following tables present information regarding troubled debt restructurings executed during the years ended December 31, 2019 and 2018 (dollars in thousands): 2019 2018 Number of Loans Pre-TDR Balance Writedown Upon TDR Number of Loans Pre-TDR Balance Writedown Upon TDR Commercial and industrial — $ — $ — 2 $ 244 $ — Commercial real estate — — — 3 492 — Consumer 3 53 — 10 456 — 3 $ 53 $ — 15 $ 1,192 $ — According to the accounting standards, not all loan modifications are TDRs. TDRs are modifications or renewals where the Company has granted a concession to a borrower in financial distress. The Company reviews all modifications and renewals for determination of TDR status. In some situations a borrower may be experiencing financial distress, but the Company does not provide a concession. These modifications are not considered TDRs. In other cases, the Company might provide a concession, such as a reduction in interest rate, but the borrower is not experiencing financial distress. This could be the case if the Company is matching a competitor’s interest rate. These modifications would also not be considered TDRs. Finally, any renewals at existing terms for borrowers not experiencing financial distress would not be considered TDRs. As with other loans not considered TDR or impaired, allowance allocations are based on the historical based allocation for the applicable loan grade and loan class. Payment defaults on TDRs have been minimal and during the twelve months ended December 31, 2019 and 2018 the balance of loans that became delinquent by more than 90 days past due or that were transferred to nonaccrual within 12 months of restructuring were not material. Credit Quality Indicators: 1. Excellent 2. Above Average 3. Good Quality 4. Acceptable Risk 5. Marginally Acceptable 6. Substandard 7. Doubtful 8. Loss At year end, the risk grade category of commercial loans by class of loans was as follows (dollars in thousands): December 31, 2019 1 2 3 4 5 6 7 8 Total Commercial and industrial $ 15,000 $ 11,768 $ 158,851 $ 290,267 $ 17,664 $ 6,022 $ — $ — $ 499,572 Commercial real estate: Residential developed — — 312 14,393 — — — — 14,705 Unsecured to residential developers — — — — — — — — — Vacant and unimproved — 9,201 8,085 22,819 1,691 — — — 41,796 Commercial development — — 79 586 — — — — 665 Residential improved — — 20,142 109,932 518 171 98 — 130,861 Commercial improved — 6,893 67,915 213,790 3,847 354 — — 292,799 Manufacturing & industrial — 2,404 36,401 77,435 1,392 — — — 117,632 $ 15,000 $ 30,266 $ 291,785 $ 729,222 $ 25,112 $ 6,547 $ 98 $ — $ 1,098,030 December 31, 2018 1 2 3 4 5 6 7 8 Total Commercial and industrial $ 15,000 $ 15,708 $ 164,901 $ 299,622 $ 11,186 $ 6,054 $ 874 $ — $ 513,345 Commercial real estate: Residential developed — — — 14,220 605 — — — 14,825 Unsecured to residential developers — — — — — — — — — Vacant and unimproved — 7,635 3,543 30,688 2,303 — — — 44,169 Commercial development — — 86 626 — — — — 712 Residential improved — — 19,645 78,337 311 192 15 — 98,500 Commercial improved — 5,292 62,756 222,152 4,751 364 303 — 295,618 Manufacturing & industrial — 3,372 24,799 81,261 5,455 — — — 114,887 $ 15,000 $ 32,007 $ 275,730 $ 726,906 $ 24,611 $ 6,610 $ 1,192 $ — $ 1,082,056 Commercial loans rated a 6, 7 or 8 per the Company’s internal risk rating system are considered substandard, doubtful or loss, respectively. Commercial loans classified as substandard or worse were as follows at year-end (dollars in thousands): 2019 2018 Not classified as impaired $ 591 $ — Classified as impaired 6,054 7,802 Total commercial loans classified substandard or worse $ 6,645 $ 7,802 The Company considers the performance of the loan portfolio and its impact on the allowance for loan losses. For consumer loan classes, the Company also evaluates credit quality based on the aging status of the loan, which was previously presented, and by payment activity. The following tables present the recorded investment in consumer loans based on payment activity as of December 31, 2019 and 2018 (dollars in thousands): December 31, 2019 Residential Mortgage Consumer Unsecured Home Equity Consumer Other Performing $ 210,946 $ 274 $ 70,936 $ 5,338 Nonperforming 103 — — — Total $ 211,049 $ 274 $ 70,936 $ 5,338 December 31, 2018 Residential Mortgage Consumer Unsecured Home Equity Consumer Other Performing $ 238,064 $ 130 $ 78,502 $ 6,795 Nonperforming 110 — 1 — Total $ 238,174 $ 130 $ 78,503 $ 6,795

OTHER REAL ESTATE OWNED

OTHER REAL ESTATE OWNED	12 Months Ended
	Dec. 31, 2019
OTHER REAL ESTATE OWNED [Abstract]
OTHER REAL ESTATE OWNED	NOTE 4 – OTHER REAL ESTATE OWNED Other real estate owned was as follows (dollars in thousands): 2019 2018 Beginning balance $ 4,183 $ 9,140 Additions, transfers from loans — 293 Proceeds from sales of other real estate owned (589 ) (2,212 ) Valuation allowance reversal upon sale (453 ) (2,893 ) Gain (loss) on sales of other real estate owned (29 ) (145 ) 3,112 4,183 Less: valuation allowance (364 ) (803 ) Ending balance $ 2,748 $ 3,380 Activity in the valuation allowance was as follows (dollars in thousands): 2019 2018 Beginning balance $ 803 $ 3,373 Additions charged to expense 14 323 Reversals upon sale (453 ) (2,893 ) Ending balance $ 364 $ 803 At December 31, 2019, the balance of other real estate owned included no foreclosed residential real estate properties recorded as a result of obtaining physical possession of the property. At December 31, 2019, the recorded investment of consumer mortgage loans secured by residential real estate properties for which formal foreclosure proceedings are in process was $0.

FAIR VALUE

FAIR VALUE	12 Months Ended
	Dec. 31, 2019
FAIR VALUE [Abstract]
FAIR VALUE	NOTE 5 – FAIR VALUE ASC Topic 820, Fair Value Measurements and Disclosures Level 1 : Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date. Level 2 : Significant other observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data. Level 3 : Significant unobservable inputs that reflect a reporting entity’s own assumptions about the assumptions that market participants would use in pricing an asset or liability. Investment Securities: Loans Held for Sale: Impaired Loans Other Real Estate Owned Interest Rate Swaps: Assets measured at fair value on a recurring basis are summarized below (in thousands): Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) December 31, 2019 Available for sale securities U.S. Treasury and federal agency securities $ 74,749 $ — $ 74,749 $ — U.S. Agency MBS and CMOs 46,201 — 46,201 — Tax-exempt state and municipal bonds 45,962 — 45,962 — Taxable state and municipal bonds 52,022 — 52,022 — Corporate bonds and other debt securities 6,315 — 6,315 — Other equity securities 1,481 — 1,481 — Loans held for sale 3,294 — 3,294 — Interest rate swaps 1,830 — — 1,830 Interest rate swaps (1,830 ) — — (1,830 ) December 31, 2018 Available for sale securities U.S. Treasury and federal agency securities $ 95,398 $ — $ 95,398 $ — U.S. Agency MBS and CMOs 32,890 — 32,890 — Tax-exempt state and municipal bonds 45,127 — 45,127 — Taxable state and municipal bonds 45,934 — 45,934 — Corporate bonds and other debt securities 7,637 — 7,637 — Other equity securities 1,438 — 1,438 — Loans held for sale 415 — 415 — Interest rate swaps 700 — — 700 Interest rate swaps (700 ) — — (700 ) Assets measured at fair value on a non-recurring basis are summarized below (in thousands): Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) December 31, 2019 Impaired loans $ 5,151 $ — $ — $ 5,151 Other real estate owned 405 — — 405 December 31, 2018 Impaired loans $ 3,211 $ — $ — $ 3,211 Other real estate owned 1,205 — — 1,205 Quantitative information about Level 3 fair value measurements measured on a non-recurring basis were as follows at year end (dollars in thousands). Asset Fair Value Valuation Technique Unobservable Inputs Range (%) December 31, 2019 Impaired loans $ 5,151 Sales comparison approach Adjustment for differences between comparable sales 1.5 to 20.0 Income approach Capitalization rate 9.5 to 11.0 Other real estate owned 405 Sales comparison approach Adjustment for differences between comparable sales 3.0 to 20.0 Income approach Capitalization rate 9.5 to 11.0 Asset Fair Value Valuation Technique Unobservable Inputs Range (%) December 31, 2018 Impaired loans $ 3,211 Sales comparison approach Adjustment for differences between comparable sales 1.0 to 15.0 Income approach Capitalization rate 9.5 to 11.0 Other real estate owned 1,205 Sales comparison approach Adjustment for differences between comparable sales 3.0 to 20.0 Income approach Capitalization rate 9.5 to 11.0 The carrying amounts and estimated fair values of financial instruments, not previously presented, were as follows at year end (dollars in thousands). 2019 2018 Level in Fair Value Hierarchy Carrying Amount Fair Value Carrying Amount Fair Value Financial assets Cash and due from banks Level 1 $ 31,942 $ 31,942 $ 40,526 $ 40,526 Federal funds sold and other short-term investments Level 2 240,508 240,508 130,758 130,758 Securities held to maturity Level 3 82,720 85,128 70,334 71,505 FHLB stock 11,558 NA 11,558 NA Loans, net Level 2 1,363,276 1,395,446 1,385,571 1,403,005 Bank owned life insurance Level 3 42,156 42,156 41,185 41,185 Accrued interest receivable Level 2 4,866 4,866 5,279 5,279 Financial liabilities Deposits Level 2 (1,753,294 ) (1,753,877 ) (1,676,739 ) (1,677,634 ) Other borrowed funds Level 2 (60,000 ) (61,006 ) (60,000 ) (59,092 ) Long-term debt Level 2 (20,619 ) (18,167 ) (41,238 ) (37,046 ) Accrued interest payable Level 2 (518 ) (518 ) (503 ) (503 ) Off-balance sheet credit-related items Loan commitments — — — — The methods and assumptions used to estimate fair value are described as follows. Carrying amount is the estimated fair value for cash and cash equivalents, bank owned life insurance, accrued interest receivable and payable, demand deposits, short-term borrowings and variable rate loans or deposits that reprice frequently and fully. Security fair values are determined by matrix pricing, which is a mathematical technique widely used in the industry to value debt securities as discussed above. For fixed rate loans, interest-bearing time deposits in other financial institutions and deposits, and for variable rate loans or deposits with infrequent repricing or repricing limits, fair value is based on discounted cash flows using current market rates applied to the estimated life and credit risk (including consideration of widening credit spreads). Fair value of debt is based on current rates for similar financing. It was not practicable to determine the fair value of FHLB stock due to restrictions placed on its transferability. The fair value of off-balance sheet credit-related items is not significant. The estimated fair values of financial instruments disclosed above as of December 31, 2019 and 2018 follow the guidance in ASU 2016-01 which prescribes an “exit price” approach in estimating and disclosing fair value of financial instruments incorporating discounts for credit, liquidity and marketability factors.

PREMISES AND EQUIPMENT - NET

PREMISES AND EQUIPMENT - NET	12 Months Ended
	Dec. 31, 2019
PREMISES AND EQUIPMENT - NET [Abstract]
PREMISES AND EQUIPMENT - NET	NOTE 6 – PREMISES AND EQUIPMENT – NET Year-end premises and equipment were as follows (dollars in thousands): 2019 2018 Land $ 15,861 $ 15,861 Building 44,283 43,912 Leasehold improvements 263 263 Furniture and equipment 21,230 20,176 Construction in progress 124 508 81,761 80,720 Less accumulated depreciation (38,344 ) (35,858 ) $ 43,417 $ 44,862 Depreciation expense was $2,486,000 and $2,493,000 for 2019 and 2018, respectively. The Bank leases certain office and branch premises and equipment under operating lease agreements. Total rental expense for all operating leases aggregated to $430,000 and $440,000 for 2019 and 2018, respectively. Future minimum rental expense under noncancelable operating leases as of December 31, 2019 is as follows (dollars in thousands): 2020 $ 331 2021 125 2022 111 2023 53 2024 14 Thereafter — $ 634

DEPOSITS

DEPOSITS	12 Months Ended
	Dec. 31, 2019
DEPOSITS [Abstract]
DEPOSITS	NOTE 7 – DEPOSITS Deposits at year-end were as follows (dollars in thousands): 2019 2018 Noninterest-bearing demand $ 482,499 $ 485,530 Interest bearing demand 479,341 456,260 Savings and money market accounts 639,329 609,425 Certificates of deposit 152,125 125,524 $ 1,753,294 $ 1,676,739 The following table depicts the maturity distribution of certificates of deposit at December 31, 2019 (dollars in thousands): 2020 $ 120,799 2021 25,074 2022 4,400 2023 1,481 2024 371 Thereafter — $ 152,125 Time deposits that exceed the FDIC insurance limit of $250,000 at year end 2019 and 2018 were approximately $37.7 million and $39.6 million, respectively.

OTHER BORROWED FUNDS

OTHER BORROWED FUNDS	12 Months Ended
	Dec. 31, 2019
OTHER BORROWED FUNDS [Abstract]
OTHER BORROWED FUNDS	NOTE 8 - OTHER BORROWED FUNDS Other borrowed funds include advances from the Federal Home Loan Bank and borrowings from the Federal Reserve Bank. Federal Home Loan Bank Advances At year-end, advances from the Federal Home Loan Bank were as follows (dollars in thousands): Principal Terms Advance Amount Range of Maturities Weighted Average Interest Rate December 31, 2019 Single maturity fixed rate advances $ 40,000 April 2021 to July 2024 2.50 % Putable Advances 20,000 November 2024 1.81 % $ 60,000 Principal Terms Advance Amount Range of Maturities Weighted Average Interest Rate December 31, 2018 Single maturity fixed rate advances $ 40,000 February 2019 to July 2024 2.27 % Putable Advances 20,000 November 2024 1.81 % $ 60,000 Each advance is subject to a prepayment fee if paid prior to its maturity date. Fixed rate advances are payable at maturity. Amortizable mortgage advances are fixed rate advances with scheduled repayments based upon amortization to maturity. Advances were collateralized by residential and commercial real estate loans totaling $498.1 million and $476.4 million under a blanket lien arrangement at December 31, 2019 and 2018, respectively. Scheduled repayments of FHLB advances as of December 31, 2019 were as follows (in thousands): 2020 $ — 2021 10,000 2022 — 2023 10,000 2024 40,000 Thereafter — $ 60,000 Federal Reserve Bank Borrowings The Company has a financing arrangement with the Federal Reserve Bank. There were no borrowings outstanding at December 31, 2019 and 2018, and the Company had approximately $13.0 million and $16.9 million in unused borrowing capacity based on commercial and mortgage loans pledged to the Federal Reserve Bank totaling $15.2 million and $18.2 million at December 31, 2019 and 2018, respectively.

LONG TERM DEBT

LONG TERM DEBT	12 Months Ended
	Dec. 31, 2019
LONG TERM DEBT [Abstract]
LONG TERM DEBT	NOTE 9 – LONG TERM DEBT The Company has pooled trust preferred securities (“TRUPs”) issued through its wholly-owned subsidiary grantor trusts. Macatawa Statutory Trust I issued $619,000 of common securities to the Company and $20.0 million aggregate liquidation amount of Preferred Securities with a floating interest rate of three-month LIBOR plus 3.05%, maturing on July 15, 2033. Macatawa Statutory Trust II issued $619,000 of common securities and $20.0 million aggregate liquidation amount of Preferred Securities with a floating interest rate of three-month LIBOR plus 2.75%, maturing on March 18, 2034. On December 31, 2019, the Company redeemed the $20.0 million outstanding Preferred Securities and $619,000 common securities associated with Macatawa Statutory Trust I. The Company issued subordinated debentures (“Debentures”) to each trust in exchange for ownership of all of the common securities of each trust and the $41,238,000 in proceeds of the offerings, which Debentures represent the sole asset of each trust. The Preferred Securities represent an interest in the Company’s Debentures, which have terms that are similar to the Preferred Securities. The Company is not considered the primary beneficiary of each trust (variable interest entity), therefore each trust is not consolidated in the Company’s financial statements, rather the Debentures are shown as a liability. The Company has the option to defer interest payments on the Debentures from time to time for up to twenty consecutive quarterly payments, although interest continues to accrue on the outstanding balance. During any deferral period, the Company may not declare or pay any dividends on the Company’s common stock or preferred stock or make any payment on any outstanding debt obligations that rank equally with or junior to the Debentures. The Company also has the option to redeem and prepay the remaining TRUPs and the Debentures. At December 31, 2019 and 2018, Debentures totaling $20,619,000 and $41,238,000, respectively, are reported in liabilities as long-term debt, and the common securities of $619,000 and $1,238,000, respectively, and unamortized debt issuance costs are included in other assets. The Preferred Securities may be included in Tier 1 capital (with certain limitations applicable) under current regulatory guidelines and interpretations. At December 31, 2019 and 2018, respectively, $20.0 million and $40.0 million of the Preferred Securities issued qualified as Tier 1 capital for regulatory capital purposes.

RELATED PARTY TRANSACTIONS

RELATED PARTY TRANSACTIONS	12 Months Ended
	Dec. 31, 2019
RELATED PARTY TRANSACTIONS [Abstract]
RELATED PARTY TRANSACTIONS	NOTE 10 – RELATED PARTY TRANSACTIONS Loans to principal officers, directors, and their affiliates were as follows (dollars in thousands). 2019 2018 Beginning balance $ 28,743 $ 28,538 New loans and renewals 3,343 19,200 Repayments and renewals (3,548 ) (18,995 ) Effect of changes in related parties (144 ) — Ending balance $ 28,394 $ 28,743 Deposits from principal officers, directors, and affiliates at December 31, 2019 and 2018 were $15.9 million and $112.7 million, respectively. The majority of the deposit balances for each year are associated with institutional accounts of affiliated organizations and were at market rates. During 2015, the Bank entered into a back-to-back swap agreement (see Note 1 – Derivatives) with a company affiliated with one of the Company’s directors. Terms were at market rates and the total notional amount of the agreement was $14.0 million and $15.0 million at December 31, 2019 and 2018, respectively. During 2019, the Bank engaged a company affiliated with one of the Company’s directors for the reconfiguration of a portion of the corporate office building. Total expenses related to this reconfiguration were not significant to the director’s company and terms were at market rates and were negotiated at arms’ length.

STOCK-BASED COMPENSATION

STOCK-BASED COMPENSATION	12 Months Ended
	Dec. 31, 2019
STOCK-BASED COMPENSATION [Abstract]
STOCK-BASED COMPENSATION	NOTE 11 - STOCK-BASED COMPENSATION On May 5, 2015, the Company’s shareholders approved the Macatawa Bank Corporation Stock Incentive Plan of 2015 (the 2015 Plan). The 2015 Plan provides for grant of up to 1,500,000 shares of Macatawa common stock in the form of stock options or restricted stock awards to employees and directors. There were 1,213,776 shares under the “2015 Plan” available for future issuance as of December 31, 2019. The Company issues new shares under the 2015 Plan from its authorized but unissued shares. Stock Options Option awards are granted with an exercise price equal to the market price at the date of grant. Option awards have vesting periods ranging from one to three years and have ten year contractual terms. The fair value of each option award is estimated on the date of grant using a closed form option valuation (Black-Scholes) model. Expected volatilities are based on historical volatilities of the Company’s common stock. The Company uses historical data to estimate option exercise and post-vesting termination behavior. The expected term of options granted is based on historical data and represents the period of time that options granted are expected to be outstanding, which takes into account that the options are not transferable. The Company expects that all options granted will vest and become exercisable. The risk-free interest rate for the expected term of the option is based on the U.S. Treasury yield curve in effect at the time of the grant. There were no options granted during 2019 and 2018. Additionally, there were no options outstanding or exercisable at December 31, 2019 or 2018. Additional information related to stock options during each year follows (dollars in thousands): 2019 2018 Intrinsic value of options exercised $ — $ 72 Cash received from option exercises — 386 Tax benefit realized from option exercises — 19 There was no compensation cost for stock options in 2019 and 2018. As of December 31, 2019, there was no unrecognized cost related to nonvested stock options granted under the Company’s stock-based compensation plans. Restricted Stock Awards Restricted stock awards have vesting periods of up to three years. A summary of changes in the Company’s nonvested restricted stock awards for the year follows: Nonvested Stock Awards Shares Weighted- Average Grant-Date Fair Value Aggregate Intrinsic Value Outstanding at January 1, 2019 90,226 $ 10.13 $ 1,004,215 Granted 83,910 10.32 933,918 Vested (36,770 ) 10.00 409,250 Forfeited (16,379 ) 10.14 182,298 Outstanding at December 31, 2019 120,987 $ 10.30 $ 1,346,585 Compensation cost related to restricted stock awards totaled $427,000 and $452,000 for 2019 and 2018, respectively. As of December 31, 2019, there was $1,097,000 of total remaining unrecognized compensation cost related to nonvested restricted stock awards granted under the Company’s stock-based compensation plans. The cost is expected to be recognized over a weighted-average period of 1.53 years. The total grant date fair value of restricted stock awards vested during 2019 was $368,000. The total grant date fair value of restricted stock awards vested during 2018 was $436,000.

EMPLOYEE BENEFITS

EMPLOYEE BENEFITS	12 Months Ended
	Dec. 31, 2019
EMPLOYEE BENEFITS [Abstract]
EMPLOYEE BENEFITS	NOTE 12 - EMPLOYEE BENEFITS The Company sponsors a 401(k) plan which covers substantially all employees. Employees may elect to contribute to the plan up to the maximum percentage of compensation and dollar amount subject to statutory limitations. Beginning January 1, 2013, the Company’s contribution was set using a matching formula of 100% of the first 3% of employee contributions and 50% of employee contributions in excess of 3%, up to 5%. The Company’s contributions were approximately $722,000 and $717,000 for 2019 and 2018, respectively.

EARNINGS PER COMMON SHARE

EARNINGS PER COMMON SHARE	12 Months Ended
	Dec. 31, 2019
EARNINGS PER COMMON SHARE [Abstract]
EARNINGS PER COMMON SHARE	NOTE 13 - EARNINGS PER COMMON SHARE A reconciliation of the numerators and denominators of basic and diluted earnings per common share are as follows (dollars in thousands, except per share data): 2019 2018 Net income $ 31,979 $ 26,379 Weighted average shares outstanding, including participating stock awards - Basic 34,056,200 34,018,259 Dilutive potential common shares: Stock options — 295 Weighted average shares outstanding - Diluted 34,056,200 34,018,554 Basic earnings per common share $ 0.94 $ 0.78 Diluted earnings per common share $ 0.94 $ 0.78

FEDERAL INCOME TAXES

FEDERAL INCOME TAXES	12 Months Ended
	Dec. 31, 2019
FEDERAL INCOME TAXES [Abstract]
FEDERAL INCOME TAXES	NOTE 14 - FEDERAL INCOME TAXES Income tax expense was as follows (dollars in thousands): 2019 2018 Current $ 7,172 $ 5,377 Deferred 290 502 Change in valuation allowance — 92 $ 7,462 $ 5,971 The difference between the financial statement tax expense and amount computed by applying the statutory federal tax rate to pretax income was reconciled as follows (dollars in thousands): 2019 2018 Statutory rate 21 % 21 % Statutory rate applied to income before taxes $ 8,283 $ 6,794 Adjust for: Tax-exempt interest income (703 ) (700 ) Bank-owned life insurance (204 ) (198 ) Change in valuation allowance — 92 Other, net 86 (17 ) $ 7,462 $ 5,971 The realization of deferred tax assets (net of a recorded valuation allowance) is largely dependent upon future taxable income, future reversals of existing taxable temporary differences and the ability to carryback losses to available tax years. In assessing the need for a valuation allowance, we consider positive and negative evidence, including taxable income in carry-back years, scheduled reversals of deferred tax liabilities, expected future taxable income and tax planning strategies. At December 31, 2018, a valuation allowance of $92,000 was established for a capital loss carryforward related to the liquidation of assets of a partnership interest the Bank acquired through a loan settlement. This valuation allowance was maintained at December 31, 2019. Management believes it is more likely than not that all of the remaining deferred tax assets will be realized against deferred tax liabilities and projected future taxable income. The net deferred tax asset recorded included the following amounts of deferred tax assets and liabilities (dollars in thousands): 2019 2018 Deferred tax assets Allowance for loan losses $ 3,612 $ 3,544 Nonaccrual loan interest 182 268 Valuation allowance on other real estate owned and property held for sale 76 218 Unrealized loss on securities available for sale — 606 Other 248 302 Gross deferred tax assets 4,118 4,938 Valuation allowance (92 ) (92 ) Total net deferred tax assets 4,026 4,846 Deferred tax liabilities Depreciation $ (1,053 ) $ (1,005 ) Prepaid expenses (172 ) (200 ) Unrealized gain on securities available for sale (406 ) — Other (317 ) (261 ) Gross deferred tax liabilities (1,948 ) (1,466 ) Net deferred tax asset $ 2,078 $ 3,380 There were no unrecognized tax benefits at December 31, 2019 and 2018 and the Company does not expect the total amount of unrecognized tax benefits to significantly increase or decrease in the next twelve months. The Company is no longer subject to examination by the Internal Revenue Service for years before 2015.

COMMITMENTS AND OFF BALANCE-SHE

COMMITMENTS AND OFF BALANCE-SHEET RISK	12 Months Ended
	Dec. 31, 2019
COMMITMENTS AND OFF BALANCE-SHEET RISK [Abstract]
COMMITMENTS AND OFF BALANCE-SHEET RISK	NOTE 15 – COMMITMENTS AND OFF BALANCE-SHEET RISK Some financial instruments are used to meet customer financing needs and to reduce exposure to interest rate changes. These financial instruments include commitments to extend credit and standby letters of credit. These involve, to varying degrees, credit and interest rate risk in excess of the amount reported in the financial statements. Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the commitment, and generally have fixed expiration dates. Standby letters of credit are conditional commitments to guarantee a customer’s performance to a third party. Exposure to credit loss if the other party does not perform is represented by the contractual amount for commitments to extend credit and standby letters of credit. Collateral or other security is normally not obtained for these financial instruments prior to their use and many of the commitments are expected to expire without being used. A summary of the contractual amounts of financial instruments with off-balance-sheet risk was as follows at year-end (dollars in thousands): 2019 2018 Commitments to extend credit $ 65,648 $ 77,391 Letters of credit 15,303 15,802 Unused lines of credit 502,200 486,203 The notional amount of commitments to fund mortgage loans to be sold into the secondary market was approximately $11.0 million and $4.1 million at December 31, 2019 and 2018, respectively. At year-end 2019 approximately 79.5% of the Bank’s commitments to make loans were at fixed rates, offered at current market rates. The remainder of the commitments to make loans were at variable rates tied to LIBOR and the prime rate and generally expire within 30 days. The majority of the unused lines of credit were at variable rates tied to LIBOR and the prime rate.

CONTINGENCIES

CONTINGENCIES	12 Months Ended
	Dec. 31, 2019
CONTINGENCIES [Abstract]
CONTINGENCIES	NOTE 16 – CONTINGENCIES The Company and its subsidiaries periodically become defendants in certain claims and legal actions arising in the ordinary course of business. As of December 31, 2019, there were no material pending legal proceedings to which we or any of our subsidiaries are a party or which any of our properties are the subject.

SHAREHOLDERS' EQUITY

SHAREHOLDERS' EQUITY	12 Months Ended
	Dec. 31, 2019
SHAREHOLDERS' EQUITY [Abstract]
SHAREHOLDERS' EQUITY	NOTE 17 – SHAREHOLDERS’ EQUITY Regulatory Capital The Company and the Bank are subject to regulatory capital requirements administered by federal banking agencies. Capital adequacy guidelines and prompt corrective action regulations involve quantitative measures of assets, liabilities, and certain off-balance-sheet items calculated under regulatory accounting practices. Capital amounts and classifications are also subject to qualitative judgments by regulators about components, risk weightings, and other factors and the regulators can lower classifications in certain cases. Failure to meet various capital requirements can initiate regulatory action that could have a direct material effect on the financial statements. The prompt corrective action regulations provide five categories, including well capitalized, adequately capitalized, undercapitalized, significantly undercapitalized, and critically undercapitalized, although these terms are not used to represent overall financial condition. If a bank is only adequately capitalized, regulatory approval is required to, among other things, accept, renew or roll-over brokered deposits. If a bank is undercapitalized, capital distributions and growth and expansion are limited, and plans for capital restoration are required. In July 2013, the Board of Governors of the Federal Reserve Board and the FDIC approved the rules implementing the Basel Committee on Banking Supervision’s capital guidelines for U.S. banks (commonly known as Basel III). The rules include a common equity Tier 1 capital to risk-weighted assets ratio (CET1 ratio) of 4.5% and a capital conservation buffer of 2.5% of risk-weighted assets, which effectively results in a minimum CET1 ratio of 7.0%. The minimum ratio of Tier 1 capital to risk-weighted assets is 6.0% (which, with the capital conservation buffer, effectively results in a minimum Tier 1 capital ratio of 8.5%), which effectively results in a minimum total capital to risk-weighted assets ratio of 10.5% (with the capital conservation buffer), and requires a minimum leverage ratio of 4.0%. Actual capital levels (dollars in thousands) and minimum required levels were as follows at year-end: Actual Minimum Capital Adequacy Minimum Capital Adequacy With Capital Buffer To Be Well Capitalized Under Prompt Corrective Action Regulations Amount Ratio Amount Ratio Amount Ratio Amount Ratio December 31, 2019 CET1 capital (to risk weighted assets) Consolidated $ 215,925 13.5 % $ 72,187 4.5 % $ 112,290 7.0 % N/A N/A Bank 228,761 14.3 72,182 4.5 112,284 7.0 $ 104,263 6.5 % Tier 1 capital (to risk weighted assets) Consolidated 235,925 14.7 96,249 6.0 136,353 8.5 N/A N/A Bank 228,761 14.3 96,243 6.0 136,344 8.5 128,324 8.0 Total capital (to risk weighted assets) Consolidated 253,125 15.8 128,332 8.0 168,436 10.5 N/A N/A Bank 245,961 15.3 128,324 8.0 168,425 10.5 160,405 10.0 Tier 1 capital (to average assets) Consolidated 235,925 11.5 82,130 4.0 N/A N/A N/A N/A Bank 228,761 11.2 82,070 4.0 N/A N/A 102,587 5.0 December 31, 2018 CET1 capital (to risk weighted assets) Consolidated $ 193,131 12.0 % $ 72,381 4.5 % $ 102,540 6.4 % N/A N/A Bank 226,531 14.1 72,371 4.5 102,526 6.4 $ 104,536 6.5 % Tier 1 capital (to risk weighted assets) Consolidated 233,131 14.5 96,508 6.0 126,667 7.9 N/A N/A Bank 226,531 14.1 96,495 6.0 126,649 7.9 128,660 8.0 Total capital (to risk weighted assets) Consolidated 250,007 15.5 128,678 8.0 158,837 9.9 N/A N/A Bank 243,407 15.1 128,660 8.0 158,814 9.9 160,825 10.0 Tier 1 capital (to average assets) Consolidated 233,131 12.1 76,963 4.0 N/A N/A N/A N/A Bank 226,531 11.8 76,902 4.0 N/A N/A 96,128 5.0 Approximately $20.0 million and $40.0 million of trust preferred securities outstanding at December 31, 2019 and 2018, respectively, qualified as Tier 1 capital. The Bank was categorized as “well capitalized” at December 31, 2019 and 2018.

CONDENSED FINANCIAL STATEMENTS

CONDENSED FINANCIAL STATEMENTS (PARENT COMPANY ONLY)	12 Months Ended
	Dec. 31, 2019
CONDENSED FINANCIAL STATEMENTS (PARENT COMPANY ONLY) [Abstract]
CONDENSED FINANCIAL STATEMENTS (PARENT COMPANY ONLY)	NOTE 18 – CONDENSED FINANCIAL STATEMENTS (PARENT COMPANY ONLY) Following are condensed parent company only financial statements (dollars in thousands): CONDENSED BALANCE SHEETS 2019 2018 ASSETS Cash and cash equivalents $ 7,289 $ 6,425 Investment in Bank subsidiary 230,305 224,253 Investment in other subsidiaries 650 1,441 Other assets 107 227 Total assets $ 238,351 $ 232,346 LIABILITIES AND SHAREHOLDERS’ EQUITY Long-term debt 20,619 41,238 Other liabilities 263 255 Total liabilities 20,882 41,493 Total shareholders’ equity 217,469 190,853 Total liabilities and shareholders’ equity $ 238,351 $ 232,346 CONDENSED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME 2019 2018 INCOME Dividends from subsidiaries $ 32,610 $ 11,121 Other — — Total income 32,610 11,121 EXPENSE Interest expense 2,232 2,127 Other expense 720 679 Total expense 2,952 2,806 Income before income tax and equity in undistributed earnings of subsidiaries 29,658 8,315 Equity in undistributed earnings of subsidiaries 1,678 17,484 Income before income tax 31,336 25,799 Income tax benefit (643 ) (580 ) Net income $ 31,979 $ 26,379 Comprehensive income $ 35,801 $ 25,646 CONDENSED STATEMENTS OF CASH FLOWS 2019 2018 Cash flows from operating activities Net income $ 31,979 $ 26,379 Adjustments to reconcile net income to net cash from operating activities: Equity in undistributed earnings of subsidiaries (1,678 ) (17,484 ) Stock compensation expense 47 52 Change in other assets 120 (154 ) Change in other liabilities 8 (109 ) Net cash from operating activities 30,476 8,684 Cash flows from investing activities Investment in subsidiaries 619 — Net cash from investing activities 619 — Cash flows from financing activities Proceeds from issuance of common stock — 386 Repayment of other borrowings (20,619 ) Cash dividends paid (9,511 ) (8,481 ) Common stock issuance costs — — Repurchases of shares (101 ) (136 ) Net cash from financing activities (30,231 ) (8,231 ) Net change in cash and cash equivalents 864 453 Cash and cash equivalents at beginning of year 6,425 5,972 Cash and cash equivalents at end of year $ 7,289 $ 6,425

QUARTERLY FINANCIAL DATA (Unaud

QUARTERLY FINANCIAL DATA (Unaudited)	12 Months Ended
	Dec. 31, 2019
QUARTERLY FINANCIAL DATA (Unaudited) [Abstract]
QUARTERLY FINANCIAL DATA (Unaudited)	NOTE 19 – QUARTERLY FINANCIAL DATA (Dollars in thousands except per share data) Earnings Per Common Share Interest Income Net Interest Income Provision for Loan Losses Net Income Basic Diluted 2019 First quarter $ 19,189 $ 16,021 $ (250 ) $ 7,646 $ 0.22 $ 0.22 Second quarter 19,239 15,955 (200 ) 8,003 0.24 0.24 Third quarter 19,079 15,836 — 8,158 0.24 0.24 Fourth quarter 18,435 15,675 — 8,172 0.24 0.24 2018 First quarter $ 16,019 $ 14,182 $ (100 ) $ 5,755 $ 0.17 $ 0.17 Second quarter 16,836 14,653 (300 ) 6,728 0.20 0.20 Third quarter 17,687 15,162 — 6,852 0.20 0.20 Fourth quarter 18,496 15,628 850 7,043 0.21 0.21

SUMMARY OF SIGNIFICANT ACCOUN_2

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	12 Months Ended
	Dec. 31, 2019
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Nature of Operations and Principles of Consolidation	Nature of Operations and Principles of Consolidation Macatawa Bank is a Michigan chartered bank with depository accounts insured by the Federal Deposit Insurance Corporation. The Bank operates 26 full service branch offices providing a full range of commercial and consumer banking and trust services in Kent County, Ottawa County, and northern Allegan County, Michigan. The Company owns all of the common securities of Macatawa Statutory Trust I and Macatawa Statutory Trust II. These are grantor trusts that issued trust preferred securities and are discussed in a separate note. Under generally accepted accounting principles, these trusts are not consolidated into the financial statements of the Company.
Use of Estimates	Use of Estimates
Concentration of Credit Risk	Concentration of Credit Risk
Cash and Cash Equivalents	Cash and Cash Equivalents
Cash Flow Reporting	Cash Flow Reporting
Restrictions on Cash	Restrictions on Cash
Securities	Securities Interest income includes amortization of purchase premium or discount. Premiums and discounts on securities are amortized on the level yield method without anticipating prepayments. Gains and losses on sales are based on the amortized cost of the security sold. Management evaluates securities for other-than-temporary impairment (“OTTI”) at least on a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation. Investment securities classified as available for sale or held-to-maturity are generally evaluated for OTTI under ASC Topic 320, Investments — Debt and Equity Instruments In determining OTTI, management considers many factors, including: (1) the length of time and the extent to which the fair value has been less than cost, (2) the financial condition and near-term prospects of the issuer, (3) whether the market decline was affected by macroeconomic conditions, and (4) whether the entity has the intent to sell the debt security or more likely than not will be required to sell the debt security before its anticipated recovery. The assessment of whether an other-than-temporary decline exists involves a high degree of subjectivity and judgment and is based on the information available to management at a point in time. Management has determined that no OTTI charges were necessary during 2019 and 2018.
Federal Home Loan Bank (FHLB) Stock	Federal Home Loan Bank (FHLB) Stock
Loans Held for Sale	Loans Held for Sale
Loans	Loans Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, are deferred and recognized in interest income over the respective term of the loan using the level-yield method without anticipating prepayments. Interest income on mortgage and commercial loans is discontinued at the time the loan is 90 days delinquent unless the loan is well-secured and in process of collection. Consumer loans are typically charged off no later than 120 days past due. Past due status is based on the contractual terms of the loan. In all cases, loans are placed on nonaccrual or charged-off at an earlier date if collection of principal or interest is considered doubtful. Nonaccrual loans and loans past due 90 days still on accrual include both smaller balance homogeneous loans that are collectively evaluated for impairment and individually classified impaired loans. All interest accrued but not received for loans placed on nonaccrual is reversed against interest income. Interest received on such loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured.
Allowance for Loan Losses	Allowance for Loan Losses The allowance consists of specific and general components. The specific component relates to loans that are individually classified as impaired. The general component covers non-classified loans and is based on historical loss experience adjusted for current qualitative environmental factors. The Company maintains a loss migration analysis that tracks loan losses and recoveries based on loan class as well as the loan risk grade assignment for commercial loans. At December 31, 2019 and 2018, an 18 month (six quarter) annualized historical loss experience was used for commercial loans and a 12 month (four quarter) historical loss experience period was applied to residential mortgage and consumer loan portfolios. These historical loss percentages are adjusted (both upwards and downwards) for certain qualitative environmental factors, including economic trends, credit quality trends, valuation trends, concentration risk, quality of loan review, changes in personnel, competition, increasing interest rates, external factors and other considerations. A loan is impaired when, based on current information and events, it is believed to be probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement. Loans for which the terms have been modified and for which the borrower is experiencing financial difficulties, are considered troubled debt restructurings and classified as impaired. Commercial and commercial real estate loans with relationship balances exceeding $500,000 and an internal risk grading of 6 or worse are evaluated for impairment. If a loan is impaired, a portion of the allowance is allocated so that the loan is reported, net, at the present value of estimated future cash flows using the loan’s existing interest rate or at the fair value of collateral, less estimated costs to sell, if repayment is expected solely from the collateral. Large groups of smaller balance homogeneous loans, such as consumer and residential real estate loans are collectively evaluated for impairment and, accordingly, they are not separately identified for impairment disclosures. Troubled debt restructurings are also considered impaired with impairment generally measured at the present value of estimated future cash flows using the loan’s effective rate at inception or using the fair value of collateral, less estimated costs to sell, if repayment is expected solely from the collateral.
Transfers of Financial Assets	Transfers of Financial Assets
Foreclosed Assets	Foreclosed Assets
Premises and Equipment	Premises and Equipment
Bank-Owned Life Insurance (BOLI)	Bank-Owned Life Insurance (BOLI):
Goodwill and Acquired Intangible Assets	Goodwill and Acquired Intangible Assets Acquired intangible assets consist of core deposit and customer relationship intangible assets arising from acquisitions. They are initially measured at fair value and then are amortized on an accelerated method over their estimated useful lives, which range from ten to sixteen years. The Company had no acquired intangible assets at December 31, 2019 and 2018.
Long-term Assets	Long-term Assets
Loan Commitments and Related Financial Instruments	Loan Commitments and Related Financial Instruments
Mortgage Banking Derivatives	Mortgage Banking Derivatives Changes in the fair values of these interest rate lock and forward commitment derivatives are included in net gains on mortgage loans. The net fair value of mortgage banking derivatives was approximately $36,000 and $15,000 at December 31, 2019 and 2018, respectively.
Revenue Recognition	Revenue Recognition Interest Income: The Company’s largest source of revenue is interest income which is primarily recognized on an accrual basis based on contractual terms written into loans and investment contracts. Noninterest Revenue: The Company derives the majority of its noninterest revenue from: (1) service charges for deposit related services, (2) gains related to mortgage loan sales, (3) trust fees and (4) debit and credit card interchange income. Most of these services are transaction based and revenue is recognized as the related service is provided.
Derivatives	Derivatives
Income Taxes	Income Taxes The Company recognizes a tax position as a benefit only if it is “more likely than not” that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized on examination. For tax positions not meeting the “more likely than not” test, no tax benefit is recorded. The Company recognizes interest and/or penalties related to income tax matters in income tax expense. During the first quarter of 2018, the Company adopted ASU 2018-02, allowing for the reclassification of the income tax effects of the revaluation the deferred tax impact on accumulated other comprehensive income (“AOCI”) due to the enactment of tax reform at the end of 2017. The Company’s only component of AOCI is the fair value adjustment for securities available for sale. Upon adoption of this ASU, a transfer was made from AOCI to retained earnings in the amount of $278,000.
Earnings Per Common Share	Earnings Per Common Share
Comprehensive Income	Comprehensive Income
Loss Contingencies	Loss Contingencies
Stock Splits and Dividends	Stock Splits and Dividends
Dividend Restriction	Dividend Restriction
Fair Values of Financial Instruments	Fair Values of Financial Instruments
Segment Reporting	Segment Reporting
Reclassifications	Reclassifications
Adoption of New Accounting Standards	Adoption of New Accounting Standards Reclassification of Certain Tax Effects from Accumulated Other Comprehensive Income. FASB issued ASU 2016-02, Leases FASB issued ASU 2017-12, Targeted Improvements to Accounting for Hedging Activities Derivatives and Hedging
Newly Issued Not Yet Effective Standards	Newly Issued Not Yet Effective Standards FASB issued ASU No. 2016-13, Financial Instruments—Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments Financial Instruments – Credit Losses (Topic 326), Derivatives and Hedging (Topic 815), and Leases (Topic 842) – Effective Dates

SECURITIES (Tables)

SECURITIES (Tables)	12 Months Ended
	Dec. 31, 2019
SECURITIES [Abstract]
Amortized Cost and Fair Value of Securities	The amortized cost and fair value of securities were as follows (dollars in thousands): Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value December 31, 2019 Available for Sale: U.S. Treasury and federal agency securities $ 74,839 $ 95 $ (185 ) $ 74,749 U.S. Agency MBS and CMOs 45,795 474 (68 ) 46,201 Tax-exempt state and municipal bonds 44,718 1,244 — 45,962 Taxable state and municipal bonds 51,683 404 (65 ) 52,022 Corporate bonds and other debt securities 6,263 55 (3 ) 6,315 $ 223,298 $ 2,272 $ (321 ) $ 225,249 Held to Maturity Tax-exempt state and municipal bonds $ 82,720 $ 2,408 $ — $ 85,128 December 31, 2018 Available for Sale: U.S. Treasury and federal agency securities $ 97,102 $ 6 $ (1,710 ) $ 95,398 U.S. Agency MBS and CMOs 33,287 97 (494 ) 32,890 Tax-exempt state and municipal bonds 45,212 246 (331 ) 45,127 Taxable state and municipal bonds 46,565 59 (690 ) 45,934 Corporate bonds and other debt securities 7,703 2 (68 ) 7,637 $ 229,869 $ 410 $ (3,293 ) $ 226,986 Held to Maturity Tax-exempt state and municipal bonds $ 70,334 $ 1,488 $ (317 ) $ 71,505
Contractual Maturities of Debt Securities	Contractual maturities of debt securities at December 31, 2019 were as follows (dollars in thousands): Held–to-Maturity Securities Available-for-Sale Securities Amortized Cost Fair Value Amortized Cost Fair Value Due in one year or less $ 18,952 $ 19,049 $ 30,757 $ 30,767 Due from one to five years 28,302 29,114 93,541 94,373 Due from five to ten years 16,841 17,505 53,366 54,090 Due after ten years 18,625 19,460 45,634 46,019 $ 82,720 $ 85,128 $ 223,298 $ 225,249
Securities in Continuous Unrealized Loss Position	Securities with unrealized losses at December 31, 2019 and 2018, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, are as follows (dollars in thousands): Less than 12 Months 12 Months or More Total December 31, 2019 Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Available for Sale: U.S. Treasury and federal agency securities $ 15,009 $ (97 ) $ 27,026 $ (87 ) $ 42,035 $ (184 ) U.S. Agency MBS and CMOs 19,117 (56 ) 1,196 (12 ) 20,313 (68 ) Tax-exempt state and municipal bonds 319 — — — 319 — Taxable state and municipal bonds 8,569 (57 ) 2,981 (9 ) 11,550 (66 ) Corporate bonds and other debt securities 932 — 852 (3 ) 1,784 (3 ) Total $ 43,946 $ (210 ) $ 32,055 $ (111 ) $ 76,001 $ (321 ) Held to Maturity: Tax-exempt state and municipal bonds $ — $ — $ — $ — $ — $ — Less than 12 Months 12 Months or More Total December 31, 2018 Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Available for Sale: U.S. Treasury and federal agency securities $ 1,974 $ (26 ) $ 82,895 $ (1,684 ) $ 84,869 $ (1,710 ) U.S. Agency MBS and CMOs 1,728 (13 ) 18,712 (481 ) 20,440 (494 ) Tax-exempt state and municipal bonds 8,987 (69 ) 10,785 (262 ) 19,772 (331 ) Taxable state and municipal bonds 4,035 (19 ) 37,021 (671 ) 41,056 (690 ) Corporate bonds and other debt securities 2,698 (12 ) 8,170 (56 ) 10,868 (68 ) Total $ 19,422 $ (139 ) $ 157,583 $ (3,154 ) $ 177,005 $ (3,293 ) Held to Maturity: Tax-exempt state and municipal bonds $ 8,533 $ (76 ) $ 4,683 $ (241 ) $ 13,216 $ (317 )

LOANS (Tables)

LOANS (Tables)	12 Months Ended
	Dec. 31, 2019
LOANS [Abstract]
Portfolio Loans	Portfolio loans were as follows at year end (dollars in thousands): 2019 2018 Commercial and industrial $ 499,572 $ 513,345 Commercial real estate: Residential developed 14,705 14,825 Unsecured to residential developers — — Vacant and unimproved 41,796 44,169 Commercial development 665 712 Residential improved 130,861 98,500 Commercial improved 292,799 295,618 Manufacturing and industrial 117,632 114,887 Total commercial real estate 598,458 568,711 Consumer Residential mortgage 211,049 238,174 Unsecured 274 130 Home equity 70,936 78,503 Other secured 5,338 6,795 Total consumer 287,597 323,602 Total loans 1,385,627 1,405,658 Allowance for loan losses (17,200 ) (16,876 ) $ 1,368,427 $ 1,388,782
Activity in Allowance for Loan Losses by Portfolio Segment	The following tables present the activity in the allowance for loan losses by portfolio segment for the years ended December 31, 2019 and 2018 (dollars in thousands): 2019 Commercial and Industrial Commercial Real Estate Consumer Unallocated Total Beginning balance $ 6,856 $ 6,544 $ 3,449 $ 27 $ 16,876 Charge-offs — (132 ) (147 ) — (279 ) Recoveries 528 388 137 — 1,053 Provision for loan losses 274 (279 ) (430 ) (15 ) (450 ) Ending Balance $ 7,658 $ 6,521 $ 3,009 $ 12 $ 17,200 2018 Commercial and Industrial Commercial Real Estate Consumer Unallocated Total Beginning balance $ 6,478 $ 6,590 $ 3,494 $ 38 $ 16,600 Charge-offs (1,206 ) — (129 ) — (1,335 ) Recoveries 86 922 153 — 1,161 Provision for loan losses 1,498 (968 ) (69 ) (11 ) 450 Ending Balance $ 6,856 $ 6,544 $ 3,449 $ 27 $ 16,876
Allowance for Loan Losses and Recorded Investment in Loans by Portfolio Segment Based on Impairment Method	The following tables present the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method (dollars in thousands): December 31, 2019 Commercial and Industrial Commercial Real Estate Consumer Unallocated Total Allowance for loan losses: Ending allowance attributable to loans: Individually reviewed for impairment $ 1,213 $ 32 $ 379 $ — $ 1,624 Collectively evaluated for impairment 6,445 6,489 2,630 12 15,576 Total ending allowance balance $ 7,658 $ 6,521 $ 3,009 $ 12 $ 17,200 Loans: Individually reviewed for impairment $ 5,797 $ 2,928 $ 5,140 $ — $ 13,865 Collectively evaluated for impairment 493,775 595,530 282,457 — 1,371,762 Total ending loans balance $ 499,572 $ 598,458 $ 287,597 $ — $ 1,385,627 December 31, 2018 Commercial and Industrial Commercial Real Estate Consumer Unallocated Total Allowance for loan losses: Ending allowance attributable to loans: Individually reviewed for impairment $ 449 $ 181 $ 468 $ — $ 1,098 Collectively evaluated for impairment 6,407 6,363 2,981 27 15,778 Total ending allowance balance $ 6,856 $ 6,544 $ 3,449 $ 27 $ 16,876 Loans: Individually reviewed for impairment $ 7,375 $ 3,499 $ 6,347 $ — $ 17,221 Collectively evaluated for impairment 505,970 565,212 317,255 — 1,388,437 Total ending loans balance $ 513,345 $ 568,711 $ 323,602 $ — $ 1,405,658
Loans Individually Evaluated for Impairment by Class of Loans	The following table presents loans individually evaluated for impairment by class of loans as of December 31, 2019 (dollars in thousands): December 31, 2019 Unpaid Principal Balance Recorded Investment Allowance Allocated With no related allowance recorded: Commercial and industrial $ 180 $ 180 $ — Commercial real estate: Residential developed — — — Unsecured to residential developers — — — Vacant and unimproved 130 130 — Commercial development — — — Residential improved 377 377 — Commercial improved 1,380 1,380 — Manufacturing and industrial — — — 1,887 1,887 — Consumer: Residential mortgage — — — Unsecured — — — Home equity — — — Other secured — — — — — — Total with no related allowance recorded $ 2,067 $ 2,067 $ — With an allowance recorded: Commercial and industrial $ 5,617 $ 5,617 $ 1,213 Commercial real estate: Residential developed 76 76 3 Unsecured to residential developers — — — Vacant and unimproved — — — Commercial development — — — Residential improved 28 28 2 Commercial improved 578 578 16 Manufacturing and industrial 359 359 11 1,041 1,041 32 Consumer: Residential mortgage 4,242 4,242 313 Unsecured 198 198 14 Home equity 677 677 50 Other secured 23 23 2 5,140 5,140 379 Total with an allowance recorded $ 11,798 $ 11,798 $ 1,624 Total $ 13,865 $ 13,865 $ 1,624 The following table presents loans individually evaluated for impairment by class of loans as of December 31, 2018 (dollars in thousands): December 31, 2018 Unpaid Principal Balance Recorded Investment Allowance Allocated With no related allowance recorded: Commercial and industrial $ 2,515 $ 1,375 $ — Commercial real estate: Residential developed — — — Unsecured to residential developers — — — Vacant and unimproved 143 143 — Commercial development — — — Residential improved 140 140 — Commercial improved 1,675 1,675 — Manufacturing and industrial — — — 1,958 1,958 — Consumer: Residential mortgage — — — Unsecured — — — Home equity — — — Other secured — — — — — — Total with no related allowance recorded $ 4,473 $ 3,333 $ — With an allowance recorded: Commercial and industrial $ 6,000 $ 6,000 $ 449 Commercial real estate: Residential developed 172 172 2 Unsecured to residential developers — — — Vacant and unimproved — — — Commercial development — — — Residential improved 193 193 13 Commercial improved 794 794 155 Manufacturing and industrial 382 382 11 1,541 1,541 181 Consumer: Residential mortgage 5,029 5,029 371 Unsecured — — — Home equity 1,318 1,318 97 Other secured — — — 6,347 6,347 468 Total with an allowance recorded $ 13,888 $ 13,888 $ 1,098 Total $ 18,361 $ 17,221 $ 1,098
Average Balances of Impaired Loans and Interest Recognized on Impaired Loans	The following table presents information regarding average balances of impaired loans and interest recognized on impaired loans for the years ended December 31, 2019 and 2018 (dollars in thousands): 2019 2018 Average of impaired loans during the period: Commercial and industrial $ 5,257 $ 5,398 Commercial real estate: Residential developed 139 175 Unsecured to residential developers — — Vacant and unimproved 99 208 Commercial development — 32 Residential improved 430 845 Commercial improved 2,114 3,303 Manufacturing and industrial 368 357 Consumer 5,724 7,191 Interest income recognized during impairment: Commercial and industrial 945 1,034 Commercial real estate 188 219 Consumer 262 295 Cash-basis interest income recognized Commercial and industrial 955 1,034 Commercial real estate 192 172 Consumer 264 293
Recorded Investment in Nonaccrual and Loans Past Due Over 90 Days Still on Accrual by Class of Loans	The following tables present the recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans as of December 31, 2019 and 2018 (dollars in thousands): December 31, 2019 Nonaccrual Over 90 days Accruing Commercial and industrial $ — $ — Commercial real estate: Residential developed — — Unsecured to residential developers — — Vacant and unimproved — — Commercial development — — Residential improved 98 — Commercial improved — — Manufacturing and industrial — — 98 — Consumer: Residential mortgage 105 — Unsecured — — Home equity — — Other secured — — 105 — Total $ 203 $ — December 31, 2018 Nonaccrual Over 90 days Accruing Commercial and industrial $ 874 $ — Commercial real estate: Residential developed — — Unsecured to residential developers — — Vacant and unimproved — — Commercial development — — Residential improved 15 — Commercial improved 303 — Manufacturing and industrial — — 318 — Consumer: Residential mortgage 111 — Unsecured — — Home equity — 1 Other secured — — 111 1 Total $ 1,303 $ 1
Aging of Recorded Investment in Past Due Loans by Class of Loans	The following table presents the aging of the recorded investment in past due loans as of December 31, 2019 by class of loans (dollars in thousands): December 31, 2019 30-90 Days Greater Than 90 Days Total Past Due Loans Not Past Due Total Commercial and industrial $ — $ — $ — $ 499,572 $ 499,572 Commercial real estate: Residential developed — — — 14,705 14,705 Unsecured to residential developers — — — — — Vacant and unimproved — — — 41,796 41,796 Commercial development — — — 665 665 Residential improved 171 15 186 130,675 130,861 Commercial improved 103 — 103 292,696 292,799 Manufacturing and industrial — — — 117,632 117,632 274 15 289 598,169 598,458 Consumer: Residential mortgage 2 103 105 210,944 211,049 Unsecured — — — 274 274 Home equity 8 — 8 70,928 70,936 Other secured 3 — 3 5,335 5,338 13 103 116 287,481 287,597 Total $ 287 $ 118 $ 405 $ 1,385,222 $ 1,385,627 The following table presents the aging of the recorded investment in past due loans as of December 31, 2018 by class of loans (dollars in thousands): December 31, 2018 30-90 Days Greater Than 90 Days Total Past Due Loans Not Past Due Total Commercial and industrial $ — $ — $ — $ 513,345 $ 513,345 Commercial real estate: Residential developed — — — 14,825 14,825 Unsecured to residential developers — — — — — Vacant and unimproved 57 — 57 44,112 44,169 Commercial development — — — 712 712 Residential improved 86 16 102 98,398 98,500 Commercial improved 100 303 403 295,215 295,618 Manufacturing and industrial — — — 114,887 114,887 243 319 562 568,149 568,711 Consumer: Residential mortgage — 110 110 238,064 238,174 Unsecured 7 — 7 123 130 Home equity 67 1 68 78,435 78,503 Other secured 130 — 130 6,665 6,795 204 111 315 323,287 323,602 Total $ 447 $ 430 $ 877 $ 1,404,781 $ 1,405,658
Troubled Debt Restructurings	The following table presents information regarding TDRs as of December 31, 2019 and 2018 (dollars in thousands): 2019 2018 Number of Loans Outstanding Recorded Balance Number of Loans Outstanding Recorded Balance Commercial and industrial 7 $ 5,797 18 $ 6,502 Commercial real estate 15 2,770 22 3,305 Consumer 69 5,140 83 6,346 91 $ 13,707 123 $ 16,153 The following table presents information related to accruing TDRs as of December 31, 2019 and 2018. The table presents the amount of accruing TDRs that were on nonaccrual status prior to the restructuring, accruing at the time of restructuring and those that were upgraded to accruing status after receiving six consecutive monthly payments in accordance with the restructured terms as of December 31, 2019 and 2018 (dollars in thousands): 2019 2018 Accruing TDR - nonaccrual at restructuring $ — $ — Accruing TDR - accruing at restructuring 8,295 10,336 Accruing TDR - upgraded to accruing after six consecutive payments 5,314 5,693 $ 13,609 $ 16,029 The following tables present information regarding troubled debt restructurings executed during the years ended December 31, 2019 and 2018 (dollars in thousands): 2019 2018 Number of Loans Pre-TDR Balance Writedown Upon TDR Number of Loans Pre-TDR Balance Writedown Upon TDR Commercial and industrial — $ — $ — 2 $ 244 $ — Commercial real estate — — — 3 492 — Consumer 3 53 — 10 456 — 3 $ 53 $ — 15 $ 1,192 $ —
Risk Grade Category of Loans by Class of Loans	At year end, the risk grade category of commercial loans by class of loans was as follows (dollars in thousands): December 31, 2019 1 2 3 4 5 6 7 8 Total Commercial and industrial $ 15,000 $ 11,768 $ 158,851 $ 290,267 $ 17,664 $ 6,022 $ — $ — $ 499,572 Commercial real estate: Residential developed — — 312 14,393 — — — — 14,705 Unsecured to residential developers — — — — — — — — — Vacant and unimproved — 9,201 8,085 22,819 1,691 — — — 41,796 Commercial development — — 79 586 — — — — 665 Residential improved — — 20,142 109,932 518 171 98 — 130,861 Commercial improved — 6,893 67,915 213,790 3,847 354 — — 292,799 Manufacturing & industrial — 2,404 36,401 77,435 1,392 — — — 117,632 $ 15,000 $ 30,266 $ 291,785 $ 729,222 $ 25,112 $ 6,547 $ 98 $ — $ 1,098,030 December 31, 2018 1 2 3 4 5 6 7 8 Total Commercial and industrial $ 15,000 $ 15,708 $ 164,901 $ 299,622 $ 11,186 $ 6,054 $ 874 $ — $ 513,345 Commercial real estate: Residential developed — — — 14,220 605 — — — 14,825 Unsecured to residential developers — — — — — — — — — Vacant and unimproved — 7,635 3,543 30,688 2,303 — — — 44,169 Commercial development — — 86 626 — — — — 712 Residential improved — — 19,645 78,337 311 192 15 — 98,500 Commercial improved — 5,292 62,756 222,152 4,751 364 303 — 295,618 Manufacturing & industrial — 3,372 24,799 81,261 5,455 — — — 114,887 $ 15,000 $ 32,007 $ 275,730 $ 726,906 $ 24,611 $ 6,610 $ 1,192 $ — $ 1,082,056
Commercial Loans Classified as Substandard or Worse	Commercial loans classified as substandard or worse were as follows at year-end (dollars in thousands): 2019 2018 Not classified as impaired $ 591 $ — Classified as impaired 6,054 7,802 Total commercial loans classified substandard or worse $ 6,645 $ 7,802
Recorded Investment in Consumer Loans Based on Payment Activity	The following tables present the recorded investment in consumer loans based on payment activity as of December 31, 2019 and 2018 (dollars in thousands): December 31, 2019 Residential Mortgage Consumer Unsecured Home Equity Consumer Other Performing $ 210,946 $ 274 $ 70,936 $ 5,338 Nonperforming 103 — — — Total $ 211,049 $ 274 $ 70,936 $ 5,338 December 31, 2018 Residential Mortgage Consumer Unsecured Home Equity Consumer Other Performing $ 238,064 $ 130 $ 78,502 $ 6,795 Nonperforming 110 — 1 — Total $ 238,174 $ 130 $ 78,503 $ 6,795

OTHER REAL ESTATE OWNED (Tables

OTHER REAL ESTATE OWNED (Tables)	12 Months Ended
	Dec. 31, 2019
OTHER REAL ESTATE OWNED [Abstract]
Period-End Other Real Estate Owned	Other real estate owned was as follows (dollars in thousands): 2019 2018 Beginning balance $ 4,183 $ 9,140 Additions, transfers from loans — 293 Proceeds from sales of other real estate owned (589 ) (2,212 ) Valuation allowance reversal upon sale (453 ) (2,893 ) Gain (loss) on sales of other real estate owned (29 ) (145 ) 3,112 4,183 Less: valuation allowance (364 ) (803 ) Ending balance $ 2,748 $ 3,380
Activity in Valuation Allowance	Activity in the valuation allowance was as follows (dollars in thousands): 2019 2018 Beginning balance $ 803 $ 3,373 Additions charged to expense 14 323 Reversals upon sale (453 ) (2,893 ) Ending balance $ 364 $ 803

FAIR VALUE (Tables)

FAIR VALUE (Tables)	12 Months Ended
	Dec. 31, 2019
FAIR VALUE [Abstract]
Assets Measured at Fair Value on a Recurring Basis	Assets measured at fair value on a recurring basis are summarized below (in thousands): Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) December 31, 2019 Available for sale securities U.S. Treasury and federal agency securities $ 74,749 $ — $ 74,749 $ — U.S. Agency MBS and CMOs 46,201 — 46,201 — Tax-exempt state and municipal bonds 45,962 — 45,962 — Taxable state and municipal bonds 52,022 — 52,022 — Corporate bonds and other debt securities 6,315 — 6,315 — Other equity securities 1,481 — 1,481 — Loans held for sale 3,294 — 3,294 — Interest rate swaps 1,830 — — 1,830 Interest rate swaps (1,830 ) — — (1,830 ) December 31, 2018 Available for sale securities U.S. Treasury and federal agency securities $ 95,398 $ — $ 95,398 $ — U.S. Agency MBS and CMOs 32,890 — 32,890 — Tax-exempt state and municipal bonds 45,127 — 45,127 — Taxable state and municipal bonds 45,934 — 45,934 — Corporate bonds and other debt securities 7,637 — 7,637 — Other equity securities 1,438 — 1,438 — Loans held for sale 415 — 415 — Interest rate swaps 700 — — 700 Interest rate swaps (700 ) — — (700 )
Assets Measured at Fair Value on a Non-Recurring Basis	Assets measured at fair value on a non-recurring basis are summarized below (in thousands): Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) December 31, 2019 Impaired loans $ 5,151 $ — $ — $ 5,151 Other real estate owned 405 — — 405 December 31, 2018 Impaired loans $ 3,211 $ — $ — $ 3,211 Other real estate owned 1,205 — — 1,205
Quantitative Information about Level 3 Fair Value Measurements Measured on a Non-Recurring Basis	Quantitative information about Level 3 fair value measurements measured on a non-recurring basis were as follows at year end (dollars in thousands). Asset Fair Value Valuation Technique Unobservable Inputs Range (%) December 31, 2019 Impaired loans $ 5,151 Sales comparison approach Adjustment for differences between comparable sales 1.5 to 20.0 Income approach Capitalization rate 9.5 to 11.0 Other real estate owned 405 Sales comparison approach Adjustment for differences between comparable sales 3.0 to 20.0 Income approach Capitalization rate 9.5 to 11.0 Asset Fair Value Valuation Technique Unobservable Inputs Range (%) December 31, 2018 Impaired loans $ 3,211 Sales comparison approach Adjustment for differences between comparable sales 1.0 to 15.0 Income approach Capitalization rate 9.5 to 11.0 Other real estate owned 1,205 Sales comparison approach Adjustment for differences between comparable sales 3.0 to 20.0 Income approach Capitalization rate 9.5 to 11.0
Carrying Amounts and Estimated Fair Values of Financial Instruments, Not Previously Presented	The carrying amounts and estimated fair values of financial instruments, not previously presented, were as follows at year end (dollars in thousands). 2019 2018 Level in Fair Value Hierarchy Carrying Amount Fair Value Carrying Amount Fair Value Financial assets Cash and due from banks Level 1 $ 31,942 $ 31,942 $ 40,526 $ 40,526 Federal funds sold and other short-term investments Level 2 240,508 240,508 130,758 130,758 Securities held to maturity Level 3 82,720 85,128 70,334 71,505 FHLB stock 11,558 NA 11,558 NA Loans, net Level 2 1,363,276 1,395,446 1,385,571 1,403,005 Bank owned life insurance Level 3 42,156 42,156 41,185 41,185 Accrued interest receivable Level 2 4,866 4,866 5,279 5,279 Financial liabilities Deposits Level 2 (1,753,294 ) (1,753,877 ) (1,676,739 ) (1,677,634 ) Other borrowed funds Level 2 (60,000 ) (61,006 ) (60,000 ) (59,092 ) Long-term debt Level 2 (20,619 ) (18,167 ) (41,238 ) (37,046 ) Accrued interest payable Level 2 (518 ) (518 ) (503 ) (503 ) Off-balance sheet credit-related items Loan commitments — — — —

PREMISES AND EQUIPMENT - NET (T

PREMISES AND EQUIPMENT - NET (Tables)	12 Months Ended
	Dec. 31, 2019
PREMISES AND EQUIPMENT - NET [Abstract]
Premises and Equipment	Year-end premises and equipment were as follows (dollars in thousands): 2019 2018 Land $ 15,861 $ 15,861 Building 44,283 43,912 Leasehold improvements 263 263 Furniture and equipment 21,230 20,176 Construction in progress 124 508 81,761 80,720 Less accumulated depreciation (38,344 ) (35,858 ) $ 43,417 $ 44,862
Future Minimum Rental Expense under Noncancelable Operating Leases	Future minimum rental expense under noncancelable operating leases as of December 31, 2019 is as follows (dollars in thousands): 2020 $ 331 2021 125 2022 111 2023 53 2024 14 Thereafter — $ 634

DEPOSITS (Tables)

DEPOSITS (Tables)	12 Months Ended
	Dec. 31, 2019
DEPOSITS [Abstract]
Deposits at Period-End	Deposits at year-end were as follows (dollars in thousands): 2019 2018 Noninterest-bearing demand $ 482,499 $ 485,530 Interest bearing demand 479,341 456,260 Savings and money market accounts 639,329 609,425 Certificates of deposit 152,125 125,524 $ 1,753,294 $ 1,676,739
Maturity Distribution of Certificates of Deposit	The following table depicts the maturity distribution of certificates of deposit at December 31, 2019 (dollars in thousands): 2020 $ 120,799 2021 25,074 2022 4,400 2023 1,481 2024 371 Thereafter — $ 152,125

OTHER BORROWED FUNDS (Tables)

OTHER BORROWED FUNDS (Tables)	12 Months Ended
	Dec. 31, 2019
OTHER BORROWED FUNDS [Abstract]
Advances from Federal Home Loan Bank	At year-end, advances from the Federal Home Loan Bank were as follows (dollars in thousands): Principal Terms Advance Amount Range of Maturities Weighted Average Interest Rate December 31, 2019 Single maturity fixed rate advances $ 40,000 April 2021 to July 2024 2.50 % Putable Advances 20,000 November 2024 1.81 % $ 60,000 Principal Terms Advance Amount Range of Maturities Weighted Average Interest Rate December 31, 2018 Single maturity fixed rate advances $ 40,000 February 2019 to July 2024 2.27 % Putable Advances 20,000 November 2024 1.81 % $ 60,000
Scheduled Repayments of FHLB Advances	Scheduled repayments of FHLB advances as of December 31, 2019 were as follows (in thousands): 2020 $ — 2021 10,000 2022 — 2023 10,000 2024 40,000 Thereafter — $ 60,000

RELATED PARTY TRANSACTIONS (Tab

RELATED PARTY TRANSACTIONS (Tables)	12 Months Ended
	Dec. 31, 2019
RELATED PARTY TRANSACTIONS [Abstract]
Loans to Principal Officers, Directors, and Their Affiliates	Loans to principal officers, directors, and their affiliates were as follows (dollars in thousands). 2019 2018 Beginning balance $ 28,743 $ 28,538 New loans and renewals 3,343 19,200 Repayments and renewals (3,548 ) (18,995 ) Effect of changes in related parties (144 ) — Ending balance $ 28,394 $ 28,743

STOCK-BASED COMPENSATION (Table

STOCK-BASED COMPENSATION (Tables)	12 Months Ended
	Dec. 31, 2019
STOCK-BASED COMPENSATION [Abstract]
Summary of Option Activity in the Plans	Additional information related to stock options during each year follows (dollars in thousands): 2019 2018 Intrinsic value of options exercised $ — $ 72 Cash received from option exercises — 386 Tax benefit realized from option exercises — 19
Changes in Nonvested Stock Awards	A summary of changes in the Company’s nonvested restricted stock awards for the year follows: Nonvested Stock Awards Shares Weighted- Average Grant-Date Fair Value Aggregate Intrinsic Value Outstanding at January 1, 2019 90,226 $ 10.13 $ 1,004,215 Granted 83,910 10.32 933,918 Vested (36,770 ) 10.00 409,250 Forfeited (16,379 ) 10.14 182,298 Outstanding at December 31, 2019 120,987 $ 10.30 $ 1,346,585

EARNINGS PER COMMON SHARE (Tabl

EARNINGS PER COMMON SHARE (Tables)	12 Months Ended
	Dec. 31, 2019
EARNINGS PER COMMON SHARE [Abstract]
Reconciliation of Numerators and Denominators of Basic and Diluted Earnings per Common Share	A reconciliation of the numerators and denominators of basic and diluted earnings per common share are as follows (dollars in thousands, except per share data): 2019 2018 Net income $ 31,979 $ 26,379 Weighted average shares outstanding, including participating stock awards - Basic 34,056,200 34,018,259 Dilutive potential common shares: Stock options — 295 Weighted average shares outstanding - Diluted 34,056,200 34,018,554 Basic earnings per common share $ 0.94 $ 0.78 Diluted earnings per common share $ 0.94 $ 0.78

FEDERAL INCOME TAXES (Tables)

FEDERAL INCOME TAXES (Tables)	12 Months Ended
	Dec. 31, 2019
FEDERAL INCOME TAXES [Abstract]
Income Tax Expense	Income tax expense was as follows (dollars in thousands): 2019 2018 Current $ 7,172 $ 5,377 Deferred 290 502 Change in valuation allowance — 92 $ 7,462 $ 5,971
Reconciliation of Difference between Financial Statement Tax Expense and Amount Computed by Applying Statutory Federal Tax Rate to Pretax Income	The difference between the financial statement tax expense and amount computed by applying the statutory federal tax rate to pretax income was reconciled as follows (dollars in thousands): 2019 2018 Statutory rate 21 % 21 % Statutory rate applied to income before taxes $ 8,283 $ 6,794 Adjust for: Tax-exempt interest income (703 ) (700 ) Bank-owned life insurance (204 ) (198 ) Change in valuation allowance — 92 Other, net 86 (17 ) $ 7,462 $ 5,971
Deferred Tax Assets and Liabilities	The net deferred tax asset recorded included the following amounts of deferred tax assets and liabilities (dollars in thousands): 2019 2018 Deferred tax assets Allowance for loan losses $ 3,612 $ 3,544 Nonaccrual loan interest 182 268 Valuation allowance on other real estate owned and property held for sale 76 218 Unrealized loss on securities available for sale — 606 Other 248 302 Gross deferred tax assets 4,118 4,938 Valuation allowance (92 ) (92 ) Total net deferred tax assets 4,026 4,846 Deferred tax liabilities Depreciation $ (1,053 ) $ (1,005 ) Prepaid expenses (172 ) (200 ) Unrealized gain on securities available for sale (406 ) — Other (317 ) (261 ) Gross deferred tax liabilities (1,948 ) (1,466 ) Net deferred tax asset $ 2,078 $ 3,380

COMMITMENTS AND OFF BALANCE-S_2

COMMITMENTS AND OFF BALANCE-SHEET RISK (Tables)	12 Months Ended
	Dec. 31, 2019
COMMITMENTS AND OFF BALANCE-SHEET RISK [Abstract]
Contractual Amounts of Financial Instruments with Off-Balance-Sheet Risk	A summary of the contractual amounts of financial instruments with off-balance-sheet risk was as follows at year-end (dollars in thousands): 2019 2018 Commitments to extend credit $ 65,648 $ 77,391 Letters of credit 15,303 15,802 Unused lines of credit 502,200 486,203

SHAREHOLDERS' EQUITY (Tables)

SHAREHOLDERS' EQUITY (Tables)	12 Months Ended
	Dec. 31, 2019
SHAREHOLDERS' EQUITY [Abstract]
Actual Capital Levels and Minimum Required Levels	Actual capital levels (dollars in thousands) and minimum required levels were as follows at year-end: Actual Minimum Capital Adequacy Minimum Capital Adequacy With Capital Buffer To Be Well Capitalized Under Prompt Corrective Action Regulations Amount Ratio Amount Ratio Amount Ratio Amount Ratio December 31, 2019 CET1 capital (to risk weighted assets) Consolidated $ 215,925 13.5 % $ 72,187 4.5 % $ 112,290 7.0 % N/A N/A Bank 228,761 14.3 72,182 4.5 112,284 7.0 $ 104,263 6.5 % Tier 1 capital (to risk weighted assets) Consolidated 235,925 14.7 96,249 6.0 136,353 8.5 N/A N/A Bank 228,761 14.3 96,243 6.0 136,344 8.5 128,324 8.0 Total capital (to risk weighted assets) Consolidated 253,125 15.8 128,332 8.0 168,436 10.5 N/A N/A Bank 245,961 15.3 128,324 8.0 168,425 10.5 160,405 10.0 Tier 1 capital (to average assets) Consolidated 235,925 11.5 82,130 4.0 N/A N/A N/A N/A Bank 228,761 11.2 82,070 4.0 N/A N/A 102,587 5.0 December 31, 2018 CET1 capital (to risk weighted assets) Consolidated $ 193,131 12.0 % $ 72,381 4.5 % $ 102,540 6.4 % N/A N/A Bank 226,531 14.1 72,371 4.5 102,526 6.4 $ 104,536 6.5 % Tier 1 capital (to risk weighted assets) Consolidated 233,131 14.5 96,508 6.0 126,667 7.9 N/A N/A Bank 226,531 14.1 96,495 6.0 126,649 7.9 128,660 8.0 Total capital (to risk weighted assets) Consolidated 250,007 15.5 128,678 8.0 158,837 9.9 N/A N/A Bank 243,407 15.1 128,660 8.0 158,814 9.9 160,825 10.0 Tier 1 capital (to average assets) Consolidated 233,131 12.1 76,963 4.0 N/A N/A N/A N/A Bank 226,531 11.8 76,902 4.0 N/A N/A 96,128 5.0

CONDENSED FINANCIAL STATEMENT_2

CONDENSED FINANCIAL STATEMENTS (PARENT COMPANY ONLY) (Tables)	12 Months Ended
	Dec. 31, 2019
CONDENSED FINANCIAL STATEMENTS (PARENT COMPANY ONLY) [Abstract]
Condensed Balance Sheets	CONDENSED BALANCE SHEETS 2019 2018 ASSETS Cash and cash equivalents $ 7,289 $ 6,425 Investment in Bank subsidiary 230,305 224,253 Investment in other subsidiaries 650 1,441 Other assets 107 227 Total assets $ 238,351 $ 232,346 LIABILITIES AND SHAREHOLDERS’ EQUITY Long-term debt 20,619 41,238 Other liabilities 263 255 Total liabilities 20,882 41,493 Total shareholders’ equity 217,469 190,853 Total liabilities and shareholders’ equity $ 238,351 $ 232,346
Condensed Statements of Income and Comprehensive Income	CONDENSED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME 2019 2018 INCOME Dividends from subsidiaries $ 32,610 $ 11,121 Other — — Total income 32,610 11,121 EXPENSE Interest expense 2,232 2,127 Other expense 720 679 Total expense 2,952 2,806 Income before income tax and equity in undistributed earnings of subsidiaries 29,658 8,315 Equity in undistributed earnings of subsidiaries 1,678 17,484 Income before income tax 31,336 25,799 Income tax benefit (643 ) (580 ) Net income $ 31,979 $ 26,379 Comprehensive income $ 35,801 $ 25,646
Condensed Statements of Cash Flows	CONDENSED STATEMENTS OF CASH FLOWS 2019 2018 Cash flows from operating activities Net income $ 31,979 $ 26,379 Adjustments to reconcile net income to net cash from operating activities: Equity in undistributed earnings of subsidiaries (1,678 ) (17,484 ) Stock compensation expense 47 52 Change in other assets 120 (154 ) Change in other liabilities 8 (109 ) Net cash from operating activities 30,476 8,684 Cash flows from investing activities Investment in subsidiaries 619 — Net cash from investing activities 619 — Cash flows from financing activities Proceeds from issuance of common stock — 386 Repayment of other borrowings (20,619 ) Cash dividends paid (9,511 ) (8,481 ) Common stock issuance costs — — Repurchases of shares (101 ) (136 ) Net cash from financing activities (30,231 ) (8,231 ) Net change in cash and cash equivalents 864 453 Cash and cash equivalents at beginning of year 6,425 5,972 Cash and cash equivalents at end of year $ 7,289 $ 6,425

QUARTERLY FINANCIAL DATA (Una_2

QUARTERLY FINANCIAL DATA (Unaudited) (Tables)	12 Months Ended
	Dec. 31, 2019
QUARTERLY FINANCIAL DATA (Unaudited) [Abstract]
Quarterly Financial Data	(Dollars in thousands except per share data) Earnings Per Common Share Interest Income Net Interest Income Provision for Loan Losses Net Income Basic Diluted 2019 First quarter $ 19,189 $ 16,021 $ (250 ) $ 7,646 $ 0.22 $ 0.22 Second quarter 19,239 15,955 (200 ) 8,003 0.24 0.24 Third quarter 19,079 15,836 — 8,158 0.24 0.24 Fourth quarter 18,435 15,675 — 8,172 0.24 0.24 2018 First quarter $ 16,019 $ 14,182 $ (100 ) $ 5,755 $ 0.17 $ 0.17 Second quarter 16,836 14,653 (300 ) 6,728 0.20 0.20 Third quarter 17,687 15,162 — 6,852 0.20 0.20 Fourth quarter 18,496 15,628 850 7,043 0.21 0.21

SUMMARY OF SIGNIFICANT ACCOUN_3

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details)	Dec. 31, 2019Branch
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Number of full service branch offices	26

SUMMARY OF SIGNIFICANT ACCOUN_4

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES, Concentration of Credit Risk (Details) - Loans [Member] - Credit Concentration Risk [Member]	12 Months Ended
	Dec. 31, 2019
Commercial Real Estate [Member]
Concentration of Credit Risk [Abstract]
Concentration of credit risk	43.00%
Commercial and Industrial [Member]
Concentration of Credit Risk [Abstract]
Concentration of credit risk	36.00%
Residential Real Estate and Consumer Loans [Member]
Concentration of Credit Risk [Abstract]
Concentration of credit risk	21.00%

SUMMARY OF SIGNIFICANT ACCOUN_5

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES, Restrictions on Cash (Details) - USD ($) $ in Millions	Dec. 31, 2019	Dec. 31, 2018
Restrictions on Cash [Abstract]
Cash on hand or on deposit with the Federal Reserve Bank required to meet regulatory reserve and clearing requirements	$ 8.1	$ 7

SUMMARY OF SIGNIFICANT ACCOUN_6

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES, Securities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Securities [Abstract]
OTTI charges	$ 0	$ 0

SUMMARY OF SIGNIFICANT ACCOUN_7

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES, Federal Home Loan Bank (FHLB) Stock (Details) $ in Thousands	Dec. 31, 2019USD ($)
Federal Home Loan Bank (FHLB) Stock [Abstract]
FHLB stock impaired	$ 0

SUMMARY OF SIGNIFICANT ACCOUN_8

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES, Loans Held for Sale (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Loans Held-for-sale [Abstract]
Net unrealized gain on loans held for sale	$ 89	$ 10

SUMMARY OF SIGNIFICANT ACCOUN_9

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES, Loans (Details)	12 Months Ended
	Dec. 31, 2019
Mortgages [Member]
Loans [Abstract]
Period after which interest income on delinquent loans is discontinued	90 days
Commercial [Member]
Loans [Abstract]
Period after which interest income on delinquent loans is discontinued	90 days
Consumer [Member] | Minimum [Member]
Loans [Abstract]
Past due period after which loans are charged off	120 days

SUMMARY OF SIGNIFICANT ACCOU_10

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES, Allowance for Loan Losses (Details)	12 Months Ended
	Dec. 31, 2019USD ($)Grade
Residential Mortgage [Member]
Allowance for Loan Losses [Abstract]
Period of historical loss experience applied to loans for estimating allowance for general component of non-classified loans	12 months
Commercial [Member]
Allowance for Loan Losses [Abstract]
Period of historical loss experience applied to loans for estimating allowance for general component of non-classified loans	18 months
Threshold balance of loans evaluated for impairment | $	$ 500,000
Commercial [Member] | Minimum [Member]
Allowance for Loan Losses [Abstract]
Internal risk grading of loans evaluated for impairment | Grade	6
Commercial Real Estate [Member]
Allowance for Loan Losses [Abstract]
Threshold balance of loans evaluated for impairment | $	$ 500,000
Commercial Real Estate [Member] | Minimum [Member]
Allowance for Loan Losses [Abstract]
Internal risk grading of loans evaluated for impairment | Grade	6
Consumer [Member]
Allowance for Loan Losses [Abstract]
Period of historical loss experience applied to loans for estimating allowance for general component of non-classified loans	12 months

SUMMARY OF SIGNIFICANT ACCOU_11

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES, Premises and Equipment (Details)	12 Months Ended
	Dec. 31, 2019
Building and Related Components [Member] | Minimum [Member]
Premises and Equipment [Abstract]
Useful lives	5 years
Building and Related Components [Member] | Maximum [Member]
Premises and Equipment [Abstract]
Useful lives	40 years
Furniture Fixture and Equipment [Member] | Minimum [Member]
Premises and Equipment [Abstract]
Useful lives	3 years
Furniture Fixture and Equipment [Member] | Maximum [Member]
Premises and Equipment [Abstract]
Useful lives	15 years

SUMMARY OF SIGNIFICANT ACCOU_12

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES, Goodwill and Acquired Intangible Assets (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Goodwill and Acquired Intangible Assets [Abstract]
Goodwill	$ 0	$ 0
Intangible Assets [Abstract]
Acquired intangible	$ 0	$ 0
Core Deposits [Member] | Minimum [Member]
Intangible Assets [Abstract]
Estimated useful life of intangible assets	10 years
Core Deposits [Member] | Maximum [Member]
Intangible Assets [Abstract]
Estimated useful life of intangible assets	16 years
Customer Relationships [Member] | Minimum [Member]
Intangible Assets [Abstract]
Estimated useful life of intangible assets	10 years
Customer Relationships [Member] | Maximum [Member]
Intangible Assets [Abstract]
Estimated useful life of intangible assets	16 years

SUMMARY OF SIGNIFICANT ACCOU_13

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES, Long-term Assets (Details) $ in Thousands	3 Months Ended	12 Months Ended
	Dec. 31, 2019USD ($)	Dec. 31, 2019USD ($)Property	Dec. 31, 2018USD ($)
Long-term Assets [Abstract]
Number of held-for-sale properties determined to be impaired | Property		1
Impairment charge applied on other assets held for sale		$ 0	$ 234
Gain on sale of property	$ 19	19	$ 0
Impairment of long term assets		$ 0

SUMMARY OF SIGNIFICANT ACCOU_14

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES, Mortgage Banking Derivatives (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Mortgage Banking Derivatives [Abstract]
Net fair value of mortgage banking derivatives	$ 36	$ 15

SUMMARY OF SIGNIFICANT ACCOU_15

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES, Derivatives (Details) - Swap [Member] - Interest Rate Swap [Member] $ in Thousands	Dec. 31, 2019USD ($)InterestRateSwap	Dec. 31, 2018USD ($)
Derivatives [Abstract]
Number of freestanding interest rate swaps | InterestRateSwap	2
Notional amount of agreements	$ 70,300	$ 66,000
Derivative asset fair value	1,800	700
Trading liability fair value	$ 1,800	$ 700

SUMMARY OF SIGNIFICANT ACCOU_16

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES, Income Taxes (Details) - ASU 2018-02 [Member] $ in Thousands	12 Months Ended
	Dec. 31, 2017USD ($)
Accumulated Other Comprehensive Income [Member]
Income Taxes [Abstract]
Transfer made from AOCI to retained earnings	$ (278)
Retained Earnings [Member]
Income Taxes [Abstract]
Transfer made from AOCI to retained earnings	$ 278

SUMMARY OF SIGNIFICANT ACCOU_17

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES, Stock Splits and Dividends (Details)	Dec. 31, 2019
Stock Splits and Dividends [Abstract]
Stock dividends, excess of threshold	20.00%
Stock dividend threshold or less	20.00%

SUMMARY OF SIGNIFICANT ACCOU_18

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES, Segment Reporting (Details)	12 Months Ended
	Dec. 31, 2019Segment
Segment Reporting [Abstract]
Number of operating segments	1

SUMMARY OF SIGNIFICANT ACCOU_19

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES, Adoption of New Accounting Standards (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2019	Dec. 31, 2018
ASU 2018-02 [Member] | Accumulated Other Comprehensive Income [Member]
Adoption of New Accounting Standards [Abstract]
Transfer made from AOCI to retained earnings	$ (278)
ASU 2018-02 [Member] | Retained Earnings [Member]
Adoption of New Accounting Standards [Abstract]
Transfer made from AOCI to retained earnings	$ 278
ASU 2016-02 [Member]
Adoption of New Accounting Standards [Abstract]
Right-of-use asset		$ 640	$ 800
Lease obligation liability		$ 642	$ 800

SECURITIES, Available-for-sale

SECURITIES, Available-for-sale Securities (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Available for Sale, Debt Securities [Abstract]
Total	$ 223,298
Fair value	225,249
Available For Sale Securities [Abstract]
Amortized cost	223,298	$ 229,869
Gross unrealized gains	2,272	410
Gross unrealized losses	(321)	(3,293)
Fair value	225,249	226,986
U.S. Treasury and Federal Agency Securities [Member]
Available for Sale, Debt Securities [Abstract]
Total	74,839	97,102
Gross unrealized gains	95	6
Gross unrealized losses	(185)	(1,710)
Fair value	74,749	95,398
U.S. Agency MBS and CMOs [Member]
Available for Sale, Debt Securities [Abstract]
Total	45,795	33,287
Gross unrealized gains	474	97
Gross unrealized losses	(68)	(494)
Fair value	46,201	32,890
Tax-Exempt State and Municipal Bonds [Member]
Available for Sale, Debt Securities [Abstract]
Total	44,718	45,212
Gross unrealized gains	1,244	246
Gross unrealized losses	0	(331)
Fair value	45,962	45,127
Taxable State and Municipal Bonds [Member]
Available for Sale, Debt Securities [Abstract]
Total	51,683	46,565
Gross unrealized gains	404	59
Gross unrealized losses	(65)	(690)
Fair value	52,022	45,934
Corporate Bonds and Other Debt Securities [Member]
Available for Sale, Debt Securities [Abstract]
Total	6,263	7,703
Gross unrealized gains	55	2
Gross unrealized losses	(3)	(68)
Fair value	$ 6,315	$ 7,637

SECURITIES, Held-to-maturity Se

SECURITIES, Held-to-maturity Securities (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Held to Maturity [Abstract]
Amortized cost	$ 82,720	$ 70,334
Fair value	85,128	71,505
Tax-Exempt State and Municipal Bonds [Member]
Held to Maturity [Abstract]
Amortized cost	82,720	70,334
Gross unrealized gains	2,408	1,488
Gross unrealized losses	0	(317)
Fair value	$ 85,128	$ 71,505

SECURITIES, Sales of Securities

SECURITIES, Sales of Securities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
SECURITIES [Abstract]
Proceeds from sale of available-for-sale securities	$ 0	$ 0

SECURITIES, Contractual Maturit

SECURITIES, Contractual Maturities of Debt Securities (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Held-to-Maturity Securities, Amortized Cost [Abstract]
Due in one year or less	$ 18,952
Due from one to five years	28,302
Due from five to ten years	16,841
Due after ten years	18,625
Amortized cost	82,720	$ 70,334
Held-to-Maturity Securities, Fair Value [Abstract]
Due in one year or less	19,049
Due from one to five years	29,114
Due from five to ten years	17,505
Due after ten years	19,460
Fair value	85,128	$ 71,505
Available-for-Sale Securities, Amortized Cost [Abstract]
Due in one year or less	30,757
Due from one to five years	93,541
Due from five to ten years	53,366
Due after ten years	45,634
Total	223,298
Available-for-Sale Securities, Fair Value [Abstract]
Due in one year or less	30,767
Due from one to five years	94,373
Due from five to ten years	54,090
Due after ten years	46,019
Fair value	$ 225,249

SECURITIES, Available for Sale

SECURITIES, Available for Sale - Continuous Unrealized Loss Position (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Securities in continuous unrealized losses position, fair value [Abstract]
Less than 12 months	$ 43,946	$ 19,422
12 months or more	32,055	157,583
Total	76,001	177,005
Securities in continuous unrealized loss position, unrealized losses [Abstract]
Less than 12 months	(210)	(139)
12 months or more	(111)	(3,154)
Total	(321)	(3,293)
U.S. Treasury and Federal Agency Securities [Member]
Securities in continuous unrealized losses position, fair value [Abstract]
Less than 12 months	15,009	1,974
12 months or more	27,026	82,895
Total	42,035	84,869
Securities in continuous unrealized loss position, unrealized losses [Abstract]
Less than 12 months	(97)	(26)
12 months or more	(87)	(1,684)
Total	(184)	(1,710)
U.S. Agency MBS and CMOs [Member]
Securities in continuous unrealized losses position, fair value [Abstract]
Less than 12 months	19,117	1,728
12 months or more	1,196	18,712
Total	20,313	20,440
Securities in continuous unrealized loss position, unrealized losses [Abstract]
Less than 12 months	(56)	(13)
12 months or more	(12)	(481)
Total	(68)	(494)
Tax-Exempt State and Municipal Bonds [Member]
Securities in continuous unrealized losses position, fair value [Abstract]
Less than 12 months	319	8,987
12 months or more	0	10,785
Total	319	19,772
Securities in continuous unrealized loss position, unrealized losses [Abstract]
Less than 12 months	0	(69)
12 months or more	0	(262)
Total	0	(331)
Taxable State and Municipal Bonds [Member]
Securities in continuous unrealized losses position, fair value [Abstract]
Less than 12 months	8,569	4,035
12 months or more	2,981	37,021
Total	11,550	41,056
Securities in continuous unrealized loss position, unrealized losses [Abstract]
Less than 12 months	(57)	(19)
12 months or more	(9)	(671)
Total	(66)	(690)
Corporate Bonds and Other Debt Securities [Member]
Securities in continuous unrealized losses position, fair value [Abstract]
Less than 12 months	932	2,698
12 months or more	852	8,170
Total	1,784	10,868
Securities in continuous unrealized loss position, unrealized losses [Abstract]
Less than 12 months	0	(12)
12 months or more	(3)	(56)
Total	$ (3)	$ (68)

SECURITIES, Held to Maturity -

SECURITIES, Held to Maturity - Continuous Unrealized Loss Position (Details) - Tax-Exempt State and Municipal Bonds [Member] - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Securities in continuous unrealized losses position, fair value [Abstract]
Less than 12 months	$ 0	$ 8,533
12 months or more	0	4,683
Total	0	13,216
Securities in continuous unrealized loss position, unrealized loss [Abstract]
Less than 12 months	0	(76)
12 months or more	0	(241)
Total	$ 0	$ (317)

SECURITIES, Other-Than-Temporar

SECURITIES, Other-Than-Temporary-Impairment (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)Security	Dec. 31, 2018USD ($)
SECURITIES [Abstract]
Number of securities available for sale with unrealized losses | Security	70
Number of securities held to maturity with unrealized losses | Security	0
OTTI charges | $	$ 0	$ 0
Securities pledged as security for public deposits, letters of credit and for other purposes required or permitted by law | $	$ 3,000	$ 2,000

LOANS (Details)

LOANS (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Portfolio loans [Abstract]
Total loans	$ 1,385,627	$ 1,405,658
Allowance for loan losses	(17,200)	(16,876)	$ (16,600)
Net loans	1,368,427	1,388,782
Commercial and Industrial [Member]
Portfolio loans [Abstract]
Total loans	499,572	513,345
Allowance for loan losses	(7,658)	(6,856)	(6,478)
Commercial Real Estate [Member]
Portfolio loans [Abstract]
Total loans	598,458	568,711
Allowance for loan losses	(6,521)	(6,544)	(6,590)
Commercial Real Estate [Member] | Residential Developed [Member]
Portfolio loans [Abstract]
Total loans	14,705	14,825
Commercial Real Estate [Member] | Unsecured to Residential Developers [Member]
Portfolio loans [Abstract]
Total loans	0	0
Commercial Real Estate [Member] | Vacant and Unimproved [Member]
Portfolio loans [Abstract]
Total loans	41,796	44,169
Commercial Real Estate [Member] | Commercial Development [Member]
Portfolio loans [Abstract]
Total loans	665	712
Commercial Real Estate [Member] | Residential Improved [Member]
Portfolio loans [Abstract]
Total loans	130,861	98,500
Commercial Real Estate [Member] | Commercial Improved [Member]
Portfolio loans [Abstract]
Total loans	292,799	295,618
Commercial Real Estate [Member] | Manufacturing and Industrial [Member]
Portfolio loans [Abstract]
Total loans	117,632	114,887
Consumer [Member]
Portfolio loans [Abstract]
Total loans	287,597	323,602
Allowance for loan losses	(3,009)	(3,449)	$ (3,494)
Consumer [Member] | Residential Mortgage [Member]
Portfolio loans [Abstract]
Total loans	211,049	238,174
Consumer [Member] | Unsecured [Member]
Portfolio loans [Abstract]
Total loans	274	130
Consumer [Member] | Home Equity [Member]
Portfolio loans [Abstract]
Total loans	70,936	78,503
Consumer [Member] | Other Secured [Member]
Portfolio loans [Abstract]
Total loans	$ 5,338	$ 6,795

LOANS, Allowance for Loans Loss

LOANS, Allowance for Loans Losses by Portfolio (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018
Allowance for loan losses by portfolio [Roll Forward]
Beginning balance				$ 16,876				$ 16,600	$ 16,876	$ 16,600
Charge-offs									(279)	(1,335)
Recoveries									1,053	1,161
Provision for loan losses	$ 0	$ 0	$ (200)	(250)	$ 850	$ 0	$ (300)	(100)	(450)	450
Ending balance	17,200				16,876				17,200	16,876
Commercial and Industrial [Member]
Allowance for loan losses by portfolio [Roll Forward]
Beginning balance				6,856				6,478	6,856	6,478
Charge-offs									0	(1,206)
Recoveries									528	86
Provision for loan losses									274	1,498
Ending balance	7,658				6,856				7,658	6,856
Commercial Real Estate [Member]
Allowance for loan losses by portfolio [Roll Forward]
Beginning balance				6,544				6,590	6,544	6,590
Charge-offs									(132)	0
Recoveries									388	922
Provision for loan losses									(279)	(968)
Ending balance	6,521				6,544				6,521	6,544
Consumer [Member]
Allowance for loan losses by portfolio [Roll Forward]
Beginning balance				3,449				3,494	3,449	3,494
Charge-offs									(147)	(129)
Recoveries									137	153
Provision for loan losses									(430)	(69)
Ending balance	3,009				3,449				3,009	3,449
Unallocated [Member]
Allowance for loan losses by portfolio [Roll Forward]
Beginning balance				$ 27				$ 38	27	38
Charge-offs									0	0
Recoveries									0	0
Provision for loan losses									(15)	(11)
Ending balance	$ 12				$ 27				$ 12	$ 27

LOANS, Allowance for Loan Losse

LOANS, Allowance for Loan Losses and Recorded Investment in Loans by Portfolio Segment Based on Impairment Method (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Ending allowance attributable to loans [Abstract]
Individually reviewed for impairment	$ 1,624	$ 1,098
Collectively evaluated for impairment	15,576	15,778
Total ending allowance balance	17,200	16,876	$ 16,600
Loans [Abstract]
Individually reviewed for impairment	13,865	17,221
Collectively evaluated for impairment	1,371,762	1,388,437
Total ending loans balance	1,385,627	1,405,658
Commercial and Industrial [Member]
Ending allowance attributable to loans [Abstract]
Individually reviewed for impairment	1,213	449
Collectively evaluated for impairment	6,445	6,407
Total ending allowance balance	7,658	6,856	6,478
Loans [Abstract]
Individually reviewed for impairment	5,797	7,375
Collectively evaluated for impairment	493,775	505,970
Total ending loans balance	499,572	513,345
Commercial Real Estate [Member]
Ending allowance attributable to loans [Abstract]
Individually reviewed for impairment	32	181
Collectively evaluated for impairment	6,489	6,363
Total ending allowance balance	6,521	6,544	6,590
Loans [Abstract]
Individually reviewed for impairment	2,928	3,499
Collectively evaluated for impairment	595,530	565,212
Total ending loans balance	598,458	568,711
Consumer [Member]
Ending allowance attributable to loans [Abstract]
Individually reviewed for impairment	379	468
Collectively evaluated for impairment	2,630	2,981
Total ending allowance balance	3,009	3,449	3,494
Loans [Abstract]
Individually reviewed for impairment	5,140	6,347
Collectively evaluated for impairment	282,457	317,255
Total ending loans balance	287,597	323,602
Unallocated [Member]
Ending allowance attributable to loans [Abstract]
Individually reviewed for impairment	0	0
Collectively evaluated for impairment	12	27
Total ending allowance balance	12	27	$ 38
Loans [Abstract]
Individually reviewed for impairment	0	0
Collectively evaluated for impairment	0	0
Total ending loans balance	$ 0	$ 0

LOANS, Impaired Loans (Details)

LOANS, Impaired Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
With no related allowance recorded [Abstract]
Unpaid principal balance	$ 2,067	$ 4,473
Recorded investment	2,067	3,333
With an allowance recorded [Abstract]
Unpaid principal balance	11,798	13,888
Recorded investment	11,798	13,888
Total [Abstract]
Unpaid principal balance	13,865	18,361
Recorded investment	13,865	17,221
Allowance allocated	1,624	1,098
Commercial and Industrial [Member]
With no related allowance recorded [Abstract]
Unpaid principal balance	180	2,515
Recorded investment	180	1,375
With an allowance recorded [Abstract]
Unpaid principal balance	5,617	6,000
Recorded investment	5,617	6,000
Total [Abstract]
Allowance allocated	1,213	449
Impaired loans [Abstract]
Average of impaired loans	5,257	5,398
Interest income recognized during impairment	945	1,034
Cash-basis interest income recognized	955	1,034
Commercial Real Estate [Member]
With no related allowance recorded [Abstract]
Unpaid principal balance	1,887	1,958
Recorded investment	1,887	1,958
With an allowance recorded [Abstract]
Unpaid principal balance	1,041	1,541
Recorded investment	1,041	1,541
Total [Abstract]
Allowance allocated	32	181
Impaired loans [Abstract]
Interest income recognized during impairment	188	219
Cash-basis interest income recognized	192	172
Commercial Real Estate [Member] | Residential Developed [Member]
With no related allowance recorded [Abstract]
Unpaid principal balance	0	0
Recorded investment	0	0
With an allowance recorded [Abstract]
Unpaid principal balance	76	172
Recorded investment	76	172
Total [Abstract]
Allowance allocated	3	2
Impaired loans [Abstract]
Average of impaired loans	139	175
Commercial Real Estate [Member] | Unsecured to Residential Developers [Member]
With no related allowance recorded [Abstract]
Unpaid principal balance	0	0
Recorded investment	0	0
With an allowance recorded [Abstract]
Unpaid principal balance	0	0
Recorded investment	0	0
Total [Abstract]
Allowance allocated	0	0
Impaired loans [Abstract]
Average of impaired loans	0	0
Commercial Real Estate [Member] | Vacant and Unimproved [Member]
With no related allowance recorded [Abstract]
Unpaid principal balance	130	143
Recorded investment	130	143
With an allowance recorded [Abstract]
Unpaid principal balance	0	0
Recorded investment	0	0
Total [Abstract]
Allowance allocated	0	0
Impaired loans [Abstract]
Average of impaired loans	99	208
Commercial Real Estate [Member] | Commercial Development [Member]
With no related allowance recorded [Abstract]
Unpaid principal balance	0	0
Recorded investment	0	0
With an allowance recorded [Abstract]
Unpaid principal balance	0	0
Recorded investment	0	0
Total [Abstract]
Allowance allocated	0	0
Impaired loans [Abstract]
Average of impaired loans	0	32
Commercial Real Estate [Member] | Residential Improved [Member]
With no related allowance recorded [Abstract]
Unpaid principal balance	377	140
Recorded investment	377	140
With an allowance recorded [Abstract]
Unpaid principal balance	28	193
Recorded investment	28	193
Total [Abstract]
Allowance allocated	2	13
Impaired loans [Abstract]
Average of impaired loans	430	845
Commercial Real Estate [Member] | Commercial Improved [Member]
With no related allowance recorded [Abstract]
Unpaid principal balance	1,380	1,675
Recorded investment	1,380	1,675
With an allowance recorded [Abstract]
Unpaid principal balance	578	794
Recorded investment	578	794
Total [Abstract]
Allowance allocated	16	155
Impaired loans [Abstract]
Average of impaired loans	2,114	3,303
Commercial Real Estate [Member] | Manufacturing and Industrial [Member]
With no related allowance recorded [Abstract]
Unpaid principal balance	0	0
Recorded investment	0	0
With an allowance recorded [Abstract]
Unpaid principal balance	359	382
Recorded investment	359	382
Total [Abstract]
Allowance allocated	11	11
Impaired loans [Abstract]
Average of impaired loans	368	357
Consumer [Member]
With no related allowance recorded [Abstract]
Unpaid principal balance	0	0
Recorded investment	0	0
With an allowance recorded [Abstract]
Unpaid principal balance	5,140	6,347
Recorded investment	5,140	6,347
Total [Abstract]
Allowance allocated	379	468
Impaired loans [Abstract]
Average of impaired loans	5,724	7,191
Interest income recognized during impairment	262	295
Cash-basis interest income recognized	264	293
Consumer [Member] | Residential Mortgage [Member]
With no related allowance recorded [Abstract]
Unpaid principal balance	0	0
Recorded investment	0	0
With an allowance recorded [Abstract]
Unpaid principal balance	4,242	5,029
Recorded investment	4,242	5,029
Total [Abstract]
Allowance allocated	313	371
Consumer [Member] | Unsecured [Member]
With no related allowance recorded [Abstract]
Unpaid principal balance	0	0
Recorded investment	0	0
With an allowance recorded [Abstract]
Unpaid principal balance	198	0
Recorded investment	198	0
Total [Abstract]
Allowance allocated	14	0
Consumer [Member] | Home Equity [Member]
With no related allowance recorded [Abstract]
Unpaid principal balance	0	0
Recorded investment	0	0
With an allowance recorded [Abstract]
Unpaid principal balance	677	1,318
Recorded investment	677	1,318
Total [Abstract]
Allowance allocated	50	97
Consumer [Member] | Other Secured [Member]
With no related allowance recorded [Abstract]
Unpaid principal balance	0	0
Recorded investment	0	0
With an allowance recorded [Abstract]
Unpaid principal balance	23	0
Recorded investment	23	0
Total [Abstract]
Allowance allocated	$ 2	$ 0

LOANS, Past Due Loans (Details)

LOANS, Past Due Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual	$ 203	$ 1,303
Over 90 days accruing	0	1
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	405	877
Loans not past due	1,385,222	1,404,781
Total ending loans balance	1,385,627	1,405,658
30-90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	287	447
Greater Than 90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	118	430
Commercial and Industrial [Member]
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual	0	874
Over 90 days accruing	0	0
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	0	0
Loans not past due	499,572	513,345
Total ending loans balance	499,572	513,345
Commercial and Industrial [Member] | 30-90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	0	0
Commercial and Industrial [Member] | Greater Than 90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	0	0
Commercial Real Estate [Member]
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual	98	318
Over 90 days accruing	0	0
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	289	562
Loans not past due	598,169	568,149
Total ending loans balance	598,458	568,711
Commercial Real Estate [Member] | 30-90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	274	243
Commercial Real Estate [Member] | Greater Than 90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	15	319
Commercial Real Estate [Member] | Residential Developed [Member]
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual	0	0
Over 90 days accruing	0	0
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	0	0
Loans not past due	14,705	14,825
Total ending loans balance	14,705	14,825
Commercial Real Estate [Member] | Residential Developed [Member] | 30-90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	0	0
Commercial Real Estate [Member] | Residential Developed [Member] | Greater Than 90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	0	0
Commercial Real Estate [Member] | Unsecured to Residential Developers [Member]
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual	0	0
Over 90 days accruing	0	0
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	0	0
Loans not past due	0	0
Total ending loans balance	0	0
Commercial Real Estate [Member] | Unsecured to Residential Developers [Member] | 30-90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	0	0
Commercial Real Estate [Member] | Unsecured to Residential Developers [Member] | Greater Than 90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	0	0
Commercial Real Estate [Member] | Vacant and Unimproved [Member]
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual	0	0
Over 90 days accruing	0	0
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	0	57
Loans not past due	41,796	44,112
Total ending loans balance	41,796	44,169
Commercial Real Estate [Member] | Vacant and Unimproved [Member] | 30-90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	0	57
Commercial Real Estate [Member] | Vacant and Unimproved [Member] | Greater Than 90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	0	0
Commercial Real Estate [Member] | Commercial Development [Member]
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual	0	0
Over 90 days accruing	0	0
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	0	0
Loans not past due	665	712
Total ending loans balance	665	712
Commercial Real Estate [Member] | Commercial Development [Member] | 30-90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	0	0
Commercial Real Estate [Member] | Commercial Development [Member] | Greater Than 90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	0	0
Commercial Real Estate [Member] | Residential Improved [Member]
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual	98	15
Over 90 days accruing	0	0
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	186	102
Loans not past due	130,675	98,398
Total ending loans balance	130,861	98,500
Commercial Real Estate [Member] | Residential Improved [Member] | 30-90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	171	86
Commercial Real Estate [Member] | Residential Improved [Member] | Greater Than 90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	15	16
Commercial Real Estate [Member] | Commercial Improved [Member]
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual	0	303
Over 90 days accruing	0	0
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	103	403
Loans not past due	292,696	295,215
Total ending loans balance	292,799	295,618
Commercial Real Estate [Member] | Commercial Improved [Member] | 30-90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	103	100
Commercial Real Estate [Member] | Commercial Improved [Member] | Greater Than 90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	0	303
Commercial Real Estate [Member] | Manufacturing and Industrial [Member]
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual	0	0
Over 90 days accruing	0	0
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	0	0
Loans not past due	117,632	114,887
Total ending loans balance	117,632	114,887
Commercial Real Estate [Member] | Manufacturing and Industrial [Member] | 30-90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	0	0
Commercial Real Estate [Member] | Manufacturing and Industrial [Member] | Greater Than 90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	0	0
Consumer [Member]
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual	105	111
Over 90 days accruing	0	1
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	116	315
Loans not past due	287,481	323,287
Total ending loans balance	287,597	323,602
Consumer [Member] | 30-90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	13	204
Consumer [Member] | Greater Than 90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	103	111
Consumer [Member] | Residential Mortgage [Member]
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual	105	111
Over 90 days accruing	0	0
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	105	110
Loans not past due	210,944	238,064
Total ending loans balance	211,049	238,174
Consumer [Member] | Residential Mortgage [Member] | 30-90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	2	0
Consumer [Member] | Residential Mortgage [Member] | Greater Than 90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	103	110
Consumer [Member] | Unsecured [Member]
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual	0	0
Over 90 days accruing	0	0
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	0	7
Loans not past due	274	123
Total ending loans balance	274	130
Consumer [Member] | Unsecured [Member] | 30-90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	0	7
Consumer [Member] | Unsecured [Member] | Greater Than 90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	0	0
Consumer [Member] | Home Equity [Member]
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual	0	0
Over 90 days accruing	0	1
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	8	68
Loans not past due	70,928	78,435
Total ending loans balance	70,936	78,503
Consumer [Member] | Home Equity [Member] | 30-90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	8	67
Consumer [Member] | Home Equity [Member] | Greater Than 90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	0	1
Consumer [Member] | Other Secured [Member]
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual	0	0
Over 90 days accruing	0	0
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	3	130
Loans not past due	5,335	6,665
Total ending loans balance	5,338	6,795
Consumer [Member] | Other Secured [Member] | 30-90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	3	130
Consumer [Member] | Other Secured [Member] | Greater Than 90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	$ 0	$ 0

LOANS, Troubled Debt Restructur

LOANS, Troubled Debt Restructurings (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)PaymentNoteLoan	Dec. 31, 2018USD ($)Loan
LOANS [Abstract]
Specific reserves allocated to customers with modified term loans in troubled debt restructurings	$ 1,624	$ 1,098
Number of consecutive payments before nonaccrual restructured loan is upgraded | Payment	6
Number of months of performance before a loan is removed from TDR	6 months
Troubled debt restructurings [Abstract]
Number of loans | Loan	91	123
Outstanding recorded balance	$ 13,707	$ 16,153
Accruing troubled debt restructurings [Abstract]
Accruing TDR - nonaccrual at restructuring	0	0
Accruing TDR - accruing at restructuring	8,295	10,336
Accruing TDR - upgraded to accruing after six consecutive payments	5,314	5,693
Total	$ 13,609	$ 16,029
Troubled debt restructurings executed during current period [Abstract]
Number of loans | Loan	3	15
Pre-TDR balance	$ 53	$ 1,192
Writedown upon TDR	$ 0	$ 0
Commercial Loans [Member] | A-B Note Structure [Member]
Troubled debt restructured loans [Abstract]
Number of notes into which original note is separated in modification | Note	2
Commercial and Industrial [Member]
Troubled debt restructurings [Abstract]
Number of loans | Loan	7	18
Outstanding recorded balance	$ 5,797	$ 6,502
Troubled debt restructurings executed during current period [Abstract]
Number of loans | Loan	0	2
Pre-TDR balance	$ 0	$ 244
Writedown upon TDR	$ 0	$ 0
Commercial Real Estate [Member]
Troubled debt restructurings [Abstract]
Number of loans | Loan	15	22
Outstanding recorded balance	$ 2,770	$ 3,305
Troubled debt restructurings executed during current period [Abstract]
Number of loans | Loan	0	3
Pre-TDR balance	$ 0	$ 492
Writedown upon TDR	$ 0	$ 0
Consumer [Member]
Troubled debt restructurings [Abstract]
Number of loans | Loan	69	83
Outstanding recorded balance	$ 5,140	$ 6,346
Troubled debt restructurings executed during current period [Abstract]
Number of loans | Loan	3	10
Pre-TDR balance	$ 53	$ 456
Writedown upon TDR	$ 0	$ 0

LOANS, Credit Quality Indicator

LOANS, Credit Quality Indicators (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)Grade	Dec. 31, 2018USD ($)
Risk grade category of commercial loans by class of loans [Abstract]
Number point grading system used for loan quality | Grade	8
Total loans	$ 1,385,627	$ 1,405,658
Commercial Loans [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	1,098,030	1,082,056
Commercial Loans [Member] | Excellent [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	15,000	15,000
Commercial Loans [Member] | Above Average [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	30,266	32,007
Commercial Loans [Member] | Good Quality [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	291,785	275,730
Commercial Loans [Member] | Acceptable Risk [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	729,222	726,906
Commercial Loans [Member] | Marginally Acceptable [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	25,112	24,611
Commercial Loans [Member] | Substandard [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	$ 6,547	6,610
Internal risk grade category of loans considered substandard, doubtful or loss | Grade	6
Commercial Loans [Member] | Doubtful [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	$ 98	1,192
Internal risk grade category of loans considered substandard, doubtful or loss | Grade	7
Commercial Loans [Member] | Loss [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	$ 0	0
Internal risk grade category of loans considered substandard, doubtful or loss | Grade	8
Commercial and Industrial [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	$ 499,572	513,345
Commercial and Industrial [Member] | Excellent [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	15,000	15,000
Commercial and Industrial [Member] | Above Average [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	11,768	15,708
Commercial and Industrial [Member] | Good Quality [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	158,851	164,901
Commercial and Industrial [Member] | Acceptable Risk [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	290,267	299,622
Commercial and Industrial [Member] | Marginally Acceptable [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	17,664	11,186
Commercial and Industrial [Member] | Substandard [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	6,022	6,054
Commercial and Industrial [Member] | Doubtful [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	874
Commercial and Industrial [Member] | Loss [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial Real Estate [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	598,458	568,711
Commercial Real Estate [Member] | Residential Developed [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	14,705	14,825
Commercial Real Estate [Member] | Residential Developed [Member] | Excellent [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial Real Estate [Member] | Residential Developed [Member] | Above Average [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial Real Estate [Member] | Residential Developed [Member] | Good Quality [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	312	0
Commercial Real Estate [Member] | Residential Developed [Member] | Acceptable Risk [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	14,393	14,220
Commercial Real Estate [Member] | Residential Developed [Member] | Marginally Acceptable [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	605
Commercial Real Estate [Member] | Residential Developed [Member] | Substandard [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial Real Estate [Member] | Residential Developed [Member] | Doubtful [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial Real Estate [Member] | Residential Developed [Member] | Loss [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial Real Estate [Member] | Unsecured to Residential Developers [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial Real Estate [Member] | Unsecured to Residential Developers [Member] | Excellent [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial Real Estate [Member] | Unsecured to Residential Developers [Member] | Above Average [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial Real Estate [Member] | Unsecured to Residential Developers [Member] | Good Quality [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial Real Estate [Member] | Unsecured to Residential Developers [Member] | Acceptable Risk [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial Real Estate [Member] | Unsecured to Residential Developers [Member] | Marginally Acceptable [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial Real Estate [Member] | Unsecured to Residential Developers [Member] | Substandard [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial Real Estate [Member] | Unsecured to Residential Developers [Member] | Doubtful [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial Real Estate [Member] | Unsecured to Residential Developers [Member] | Loss [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial Real Estate [Member] | Vacant and Unimproved [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	41,796	44,169
Commercial Real Estate [Member] | Vacant and Unimproved [Member] | Excellent [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial Real Estate [Member] | Vacant and Unimproved [Member] | Above Average [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	9,201	7,635
Commercial Real Estate [Member] | Vacant and Unimproved [Member] | Good Quality [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	8,085	3,543
Commercial Real Estate [Member] | Vacant and Unimproved [Member] | Acceptable Risk [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	22,819	30,688
Commercial Real Estate [Member] | Vacant and Unimproved [Member] | Marginally Acceptable [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	1,691	2,303
Commercial Real Estate [Member] | Vacant and Unimproved [Member] | Substandard [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial Real Estate [Member] | Vacant and Unimproved [Member] | Doubtful [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial Real Estate [Member] | Vacant and Unimproved [Member] | Loss [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial Real Estate [Member] | Commercial Development [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	665	712
Commercial Real Estate [Member] | Commercial Development [Member] | Excellent [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial Real Estate [Member] | Commercial Development [Member] | Above Average [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial Real Estate [Member] | Commercial Development [Member] | Good Quality [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	79	86
Commercial Real Estate [Member] | Commercial Development [Member] | Acceptable Risk [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	586	626
Commercial Real Estate [Member] | Commercial Development [Member] | Marginally Acceptable [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial Real Estate [Member] | Commercial Development [Member] | Substandard [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial Real Estate [Member] | Commercial Development [Member] | Doubtful [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial Real Estate [Member] | Commercial Development [Member] | Loss [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial Real Estate [Member] | Residential Improved [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	130,861	98,500
Commercial Real Estate [Member] | Residential Improved [Member] | Excellent [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial Real Estate [Member] | Residential Improved [Member] | Above Average [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial Real Estate [Member] | Residential Improved [Member] | Good Quality [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	20,142	19,645
Commercial Real Estate [Member] | Residential Improved [Member] | Acceptable Risk [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	109,932	78,337
Commercial Real Estate [Member] | Residential Improved [Member] | Marginally Acceptable [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	518	311
Commercial Real Estate [Member] | Residential Improved [Member] | Substandard [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	171	192
Commercial Real Estate [Member] | Residential Improved [Member] | Doubtful [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	98	15
Commercial Real Estate [Member] | Residential Improved [Member] | Loss [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial Real Estate [Member] | Commercial Improved [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	292,799	295,618
Commercial Real Estate [Member] | Commercial Improved [Member] | Excellent [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial Real Estate [Member] | Commercial Improved [Member] | Above Average [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	6,893	5,292
Commercial Real Estate [Member] | Commercial Improved [Member] | Good Quality [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	67,915	62,756
Commercial Real Estate [Member] | Commercial Improved [Member] | Acceptable Risk [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	213,790	222,152
Commercial Real Estate [Member] | Commercial Improved [Member] | Marginally Acceptable [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	3,847	4,751
Commercial Real Estate [Member] | Commercial Improved [Member] | Substandard [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	354	364
Commercial Real Estate [Member] | Commercial Improved [Member] | Doubtful [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	303
Commercial Real Estate [Member] | Commercial Improved [Member] | Loss [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial Real Estate [Member] | Manufacturing & Industrial [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	117,632	114,887
Commercial Real Estate [Member] | Manufacturing & Industrial [Member] | Excellent [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial Real Estate [Member] | Manufacturing & Industrial [Member] | Above Average [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	2,404	3,372
Commercial Real Estate [Member] | Manufacturing & Industrial [Member] | Good Quality [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	36,401	24,799
Commercial Real Estate [Member] | Manufacturing & Industrial [Member] | Acceptable Risk [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	77,435	81,261
Commercial Real Estate [Member] | Manufacturing & Industrial [Member] | Marginally Acceptable [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	1,392	5,455
Commercial Real Estate [Member] | Manufacturing & Industrial [Member] | Substandard [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial Real Estate [Member] | Manufacturing & Industrial [Member] | Doubtful [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial Real Estate [Member] | Manufacturing & Industrial [Member] | Loss [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	$ 0	$ 0

LOANS, Commercial Loans Classif

LOANS, Commercial Loans Classified as Substandard or Worse (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Commercial loans classified as substandard or worse [Abstract]
Classified as impaired	$ 13,865	$ 17,221
Total ending loans balance	1,385,627	1,405,658
Commercial Loans [Member]
Commercial loans classified as substandard or worse [Abstract]
Total ending loans balance	1,098,030	1,082,056
Commercial Loans [Member] | Substandard or Worse [Member]
Commercial loans classified as substandard or worse [Abstract]
Not classified as impaired	591	0
Classified as impaired	6,054	7,802
Total ending loans balance	$ 6,645	$ 7,802

LOANS, Recorded Investment in C

LOANS, Recorded Investment in Consumer Loans Based on Payment Activity (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Recorded investment in consumer loans based on payment activity [Abstract]
Total loans	$ 1,385,627	$ 1,405,658
Consumer Loan [Member] | Residential Mortgage [Member]
Recorded investment in consumer loans based on payment activity [Abstract]
Total loans	211,049	238,174
Consumer Loan [Member] | Residential Mortgage [Member] | Performing [Member]
Recorded investment in consumer loans based on payment activity [Abstract]
Total loans	210,946	238,064
Consumer Loan [Member] | Residential Mortgage [Member] | Nonperforming [Member]
Recorded investment in consumer loans based on payment activity [Abstract]
Total loans	103	110
Consumer Loan [Member] | Consumer Unsecured [Member]
Recorded investment in consumer loans based on payment activity [Abstract]
Total loans	274	130
Consumer Loan [Member] | Consumer Unsecured [Member] | Performing [Member]
Recorded investment in consumer loans based on payment activity [Abstract]
Total loans	274	130
Consumer Loan [Member] | Consumer Unsecured [Member] | Nonperforming [Member]
Recorded investment in consumer loans based on payment activity [Abstract]
Total loans	0	0
Consumer Loan [Member] | Home Equity [Member]
Recorded investment in consumer loans based on payment activity [Abstract]
Total loans	70,936	78,503
Consumer Loan [Member] | Home Equity [Member] | Performing [Member]
Recorded investment in consumer loans based on payment activity [Abstract]
Total loans	70,936	78,502
Consumer Loan [Member] | Home Equity [Member] | Nonperforming [Member]
Recorded investment in consumer loans based on payment activity [Abstract]
Total loans	0	1
Consumer Loan [Member] | Consumer Other [Member]
Recorded investment in consumer loans based on payment activity [Abstract]
Total loans	5,338	6,795
Consumer Loan [Member] | Consumer Other [Member] | Performing [Member]
Recorded investment in consumer loans based on payment activity [Abstract]
Total loans	5,338	6,795
Consumer Loan [Member] | Consumer Other [Member] | Nonperforming [Member]
Recorded investment in consumer loans based on payment activity [Abstract]
Total loans	$ 0	$ 0

OTHER REAL ESTATE OWNED (Detail

OTHER REAL ESTATE OWNED (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Other real estate owned [Roll Forward]
Beginning balance	$ 4,183	$ 9,140
Additions, transfers from loans	0	293
Proceeds from sales of other real estate owned	(589)	(2,212)
Valuation allowance reversal upon sale	(453)	(2,893)
Gain (loss) on sales of other real estate owned	(29)	(145)
Ending balance, gross	3,112	4,183
Less: valuation allowance	(364)	(803)
Ending balance	2,748	3,380
Activity in valuation allowance [Roll Forward]
Beginning balance	803	3,373
Additions charged to expense	14	323
Reversals upon sale	(453)	(2,893)
Ending balance	364	$ 803
Foreclosed residential real estate properties included in other real estate owned	0
Consumer mortgage loans in process of foreclosure	$ 0

FAIR VALUE, Assets Measured at

FAIR VALUE, Assets Measured at Fair Value on Recurring and Nonrecurring Basis (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Asset measured at fair value on recurring basis [Abstract]
Available-for-sale securities	$ 225,249
Significant Unobservable Inputs (Level 3) [Member]
Asset measured at fair value on non-recurring basis [Abstract]
Impaired loans	5,151	$ 3,211
U.S. Treasury and Federal Agency Securities [Member]
Asset measured at fair value on recurring basis [Abstract]
Available-for-sale securities	74,749	95,398
U.S. Agency MBS and CMOs [Member]
Asset measured at fair value on recurring basis [Abstract]
Available-for-sale securities	46,201	32,890
Tax-Exempt State and Municipal Bonds [Member]
Asset measured at fair value on recurring basis [Abstract]
Available-for-sale securities	45,962	45,127
Taxable State and Municipal Bonds [Member]
Asset measured at fair value on recurring basis [Abstract]
Available-for-sale securities	52,022	45,934
Corporate Bonds and Other Debt Securities [Member]
Asset measured at fair value on recurring basis [Abstract]
Available-for-sale securities	6,315	7,637
Recurring Basis [Member]
Asset measured at fair value on recurring basis [Abstract]
Loans held for sale	3,294	415
Interest rate swaps	1,830	700
Interest rate swaps	(1,830)	(700)
Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Asset measured at fair value on recurring basis [Abstract]
Loans held for sale	0	0
Interest rate swaps	0	0
Interest rate swaps	0	0
Recurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member]
Asset measured at fair value on recurring basis [Abstract]
Loans held for sale	3,294	415
Interest rate swaps	0	0
Interest rate swaps	0	0
Recurring Basis [Member] | Significant Unobservable Inputs (Level 3) [Member]
Asset measured at fair value on recurring basis [Abstract]
Loans held for sale	0	0
Interest rate swaps	1,830	700
Interest rate swaps	(1,830)	(700)
Recurring Basis [Member] | U.S. Treasury and Federal Agency Securities [Member]
Asset measured at fair value on recurring basis [Abstract]
Available-for-sale securities	74,749	95,398
Recurring Basis [Member] | U.S. Treasury and Federal Agency Securities [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Asset measured at fair value on recurring basis [Abstract]
Available-for-sale securities	0	0
Recurring Basis [Member] | U.S. Treasury and Federal Agency Securities [Member] | Significant Other Observable Inputs (Level 2) [Member]
Asset measured at fair value on recurring basis [Abstract]
Available-for-sale securities	74,749	95,398
Recurring Basis [Member] | U.S. Treasury and Federal Agency Securities [Member] | Significant Unobservable Inputs (Level 3) [Member]
Asset measured at fair value on recurring basis [Abstract]
Available-for-sale securities	0	0
Recurring Basis [Member] | U.S. Agency MBS and CMOs [Member]
Asset measured at fair value on recurring basis [Abstract]
Available-for-sale securities	46,201	32,890
Recurring Basis [Member] | U.S. Agency MBS and CMOs [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Asset measured at fair value on recurring basis [Abstract]
Available-for-sale securities	0	0
Recurring Basis [Member] | U.S. Agency MBS and CMOs [Member] | Significant Other Observable Inputs (Level 2) [Member]
Asset measured at fair value on recurring basis [Abstract]
Available-for-sale securities	46,201	32,890
Recurring Basis [Member] | U.S. Agency MBS and CMOs [Member] | Significant Unobservable Inputs (Level 3) [Member]
Asset measured at fair value on recurring basis [Abstract]
Available-for-sale securities	0	0
Recurring Basis [Member] | Tax-Exempt State and Municipal Bonds [Member]
Asset measured at fair value on recurring basis [Abstract]
Available-for-sale securities	45,962	45,127
Recurring Basis [Member] | Tax-Exempt State and Municipal Bonds [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Asset measured at fair value on recurring basis [Abstract]
Available-for-sale securities	0	0
Recurring Basis [Member] | Tax-Exempt State and Municipal Bonds [Member] | Significant Other Observable Inputs (Level 2) [Member]
Asset measured at fair value on recurring basis [Abstract]
Available-for-sale securities	45,962	45,127
Recurring Basis [Member] | Tax-Exempt State and Municipal Bonds [Member] | Significant Unobservable Inputs (Level 3) [Member]
Asset measured at fair value on recurring basis [Abstract]
Available-for-sale securities	0	0
Recurring Basis [Member] | Taxable State and Municipal Bonds [Member]
Asset measured at fair value on recurring basis [Abstract]
Available-for-sale securities	52,022	45,934
Recurring Basis [Member] | Taxable State and Municipal Bonds [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Asset measured at fair value on recurring basis [Abstract]
Available-for-sale securities	0	0
Recurring Basis [Member] | Taxable State and Municipal Bonds [Member] | Significant Other Observable Inputs (Level 2) [Member]
Asset measured at fair value on recurring basis [Abstract]
Available-for-sale securities	52,022	45,934
Recurring Basis [Member] | Taxable State and Municipal Bonds [Member] | Significant Unobservable Inputs (Level 3) [Member]
Asset measured at fair value on recurring basis [Abstract]
Available-for-sale securities	0	0
Recurring Basis [Member] | Corporate Bonds and Other Debt Securities [Member]
Asset measured at fair value on recurring basis [Abstract]
Available-for-sale securities	6,315	7,637
Recurring Basis [Member] | Corporate Bonds and Other Debt Securities [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Asset measured at fair value on recurring basis [Abstract]
Available-for-sale securities	0	0
Recurring Basis [Member] | Corporate Bonds and Other Debt Securities [Member] | Significant Other Observable Inputs (Level 2) [Member]
Asset measured at fair value on recurring basis [Abstract]
Available-for-sale securities	6,315	7,637
Recurring Basis [Member] | Corporate Bonds and Other Debt Securities [Member] | Significant Unobservable Inputs (Level 3) [Member]
Asset measured at fair value on recurring basis [Abstract]
Available-for-sale securities	0	0
Recurring Basis [Member] | Other Equity Securities [Member]
Asset measured at fair value on recurring basis [Abstract]
Equity securities	1,481	1,438
Recurring Basis [Member] | Other Equity Securities [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Asset measured at fair value on recurring basis [Abstract]
Equity securities	0	0
Recurring Basis [Member] | Other Equity Securities [Member] | Significant Other Observable Inputs (Level 2) [Member]
Asset measured at fair value on recurring basis [Abstract]
Equity securities	1,481	1,438
Recurring Basis [Member] | Other Equity Securities [Member] | Significant Unobservable Inputs (Level 3) [Member]
Asset measured at fair value on recurring basis [Abstract]
Equity securities	0	0
Nonrecurring Basis [Member]
Asset measured at fair value on non-recurring basis [Abstract]
Impaired loans	5,151	3,211
Other real estate owned	405	1,205
Nonrecurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Asset measured at fair value on non-recurring basis [Abstract]
Impaired loans	0	0
Other real estate owned	0	0
Nonrecurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member]
Asset measured at fair value on non-recurring basis [Abstract]
Impaired loans	0	0
Other real estate owned	0	0
Nonrecurring Basis [Member] | Significant Unobservable Inputs (Level 3) [Member]
Asset measured at fair value on non-recurring basis [Abstract]
Impaired loans	5,151	3,211
Other real estate owned	$ 405	$ 1,205

FAIR VALUE, Quantitative Inform

FAIR VALUE, Quantitative Information about Level 3 Fair Value Measurements (Details) - Level 3 [Member] $ in Thousands	Dec. 31, 2019USD ($)	Dec. 31, 2018USD ($)
Quantitative information about Level 3 fair value measurements measured on non-recurring basis [Abstract]
Impaired loans	$ 5,151	$ 3,211
OREO	$ 405	$ 1,205
Sales Comparison Approach [Member] | Adjustment for Differences Between Comparable Sales [Member] | Minimum [Member]
Quantitative information about Level 3 fair value measurements measured on non-recurring basis [Abstract]
Impaired loans, unobservable input(s)	0.015	0.010
OREO, unobservable input(s)	0.030	0.030
Sales Comparison Approach [Member] | Adjustment for Differences Between Comparable Sales [Member] | Maximum [Member]
Quantitative information about Level 3 fair value measurements measured on non-recurring basis [Abstract]
Impaired loans, unobservable input(s)	0.200	0.150
OREO, unobservable input(s)	0.200	0.200
Income Approach [Member] | Capitalization Rate [Member] | Minimum [Member]
Quantitative information about Level 3 fair value measurements measured on non-recurring basis [Abstract]
Impaired loans, unobservable input(s)	0.095	0.095
OREO, unobservable input(s)	0.095	0.095
Income Approach [Member] | Capitalization Rate [Member] | Maximum [Member]
Quantitative information about Level 3 fair value measurements measured on non-recurring basis [Abstract]
Impaired loans, unobservable input(s)	0.110	0.110
OREO, unobservable input(s)	0.110	0.110

FAIR VALUE, Carrying Amounts an

FAIR VALUE, Carrying Amounts and Estimated Fair Values of Financial Instruments, Not Previously Presented (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Financial assets [Abstract]
Cash and due from banks	$ 31,942	$ 40,526
Bank-owned life insurance (BOLI)	42,156	41,185
Carrying Amount [Member]
Financial assets [Abstract]
FHLB stock	11,558	11,558
Loan Commitments [Member] | Carrying Amount [Member]
Financial instruments with off-balance sheet credit risk [Abstract]
Off-balance sheet credit-related items	0	0
Loan Commitments [Member] | Fair Value [Member]
Financial instruments with off-balance sheet credit risk [Abstract]
Off-balance sheet credit-related items	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Carrying Amount [Member]
Financial assets [Abstract]
Cash and due from banks	31,942	40,526
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Fair Value [Member]
Financial assets [Abstract]
Cash and due from banks	31,942	40,526
Significant Other Observable Inputs (Level 2) [Member] | Carrying Amount [Member]
Financial assets [Abstract]
Federal funds sold and other short-term investments	240,508	130,758
Loans, net	1,363,276	1,385,571
Accrued interest receivable	4,866	5,279
Financial liabilities [Abstract]
Deposits	(1,753,294)	(1,676,739)
Other borrowed funds	(60,000)	(60,000)
Long-term debt	(20,619)	(41,238)
Accrued interest payable	(518)	(503)
Significant Other Observable Inputs (Level 2) [Member] | Fair Value [Member]
Financial assets [Abstract]
Federal funds sold and other short-term investments	240,508	130,758
Loans, net	1,395,446	1,403,005
Accrued interest receivable	4,866	5,279
Financial liabilities [Abstract]
Deposits	(1,753,877)	(1,677,634)
Other borrowed funds	(61,006)	(59,092)
Long-term debt	(18,167)	(37,046)
Accrued interest payable	(518)	(503)
Significant Unobservable Inputs (Level 3) [Member] | Carrying Amount [Member]
Financial assets [Abstract]
Securities held to maturity	82,720	70,334
Bank-owned life insurance (BOLI)	42,156	41,185
Significant Unobservable Inputs (Level 3) [Member] | Fair Value [Member]
Financial assets [Abstract]
Securities held to maturity	85,128	71,505
Bank-owned life insurance (BOLI)	$ 42,156	$ 41,185

PREMISES AND EQUIPMENT - NET (D

PREMISES AND EQUIPMENT - NET (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Premises and equipment [Abstract]
Premises and equipment, gross	$ 81,761	$ 80,720
Less accumulated depreciation	(38,344)	(35,858)
Premises and equipment, net	43,417	44,862
Depreciation expense	2,486	2,493
Total rental expense for all operating leases	430	440
Future minimum rental expense under noncancelable operating leases [Abstract]
2020	331
2021	125
2022	111
2023	53
2024	14
Thereafter	0
Total future payments	634
Land [Member]
Premises and equipment [Abstract]
Premises and equipment, gross	15,861	15,861
Building [Member]
Premises and equipment [Abstract]
Premises and equipment, gross	44,283	43,912
Leasehold Improvements [Member]
Premises and equipment [Abstract]
Premises and equipment, gross	263	263
Furniture and Equipment [Member]
Premises and equipment [Abstract]
Premises and equipment, gross	21,230	20,176
Construction in Progress [Member]
Premises and equipment [Abstract]
Premises and equipment, gross	$ 124	$ 508

DEPOSITS (Details)

DEPOSITS (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Summary of deposit [Abstract]
Noninterest-bearing demand	$ 482,499	$ 485,530
Interest bearing demand	479,341	456,260
Savings and money market accounts	639,329	609,425
Certificates of deposit	152,125	125,524
Total deposits	1,753,294	1,676,739
Maturities distribution of time deposits [Abstract]
2020	120,799
2021	25,074
2022	4,400
2023	1,481
2024	371
Thereafter	0
Total certificate of deposit	152,125
FDIC insurance limit on deposit accounts	250	250
Time deposits that exceed FDIC insurance limit	$ 37,700	$ 39,600

OTHER BORROWED FUNDS, Federal H

OTHER BORROWED FUNDS, Federal Home Loan Bank Advances (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Advances from Federal Home Loan Bank [Abstract]
Advance amount	$ 60,000	$ 60,000
Residential and commercial real estate loans pledged as collateral for Federal Home Loan Bank advances	498,100	476,400
Federal Home Loan Bank Advances [Member]
Advances from Federal Home Loan Bank [Abstract]
Advance amount	60,000	60,000
Federal Home Loan Bank Advances [Member] | Single Maturity Fixed Rate Advances [Member]
Advances from Federal Home Loan Bank [Abstract]
Advance amount	$ 40,000	$ 40,000
Range of maturities, earliest	2021	2019
Range of maturities, last	2024	2024
Federal Home Loan Bank Advances [Member] | Single Maturity Fixed Rate Advances [Member] | Weighted Average [Member]
Advances from Federal Home Loan Bank [Abstract]
Interest rate	2.50%	2.27%
Federal Home Loan Bank Advances [Member] | Putable Advances [Member]
Advances from Federal Home Loan Bank [Abstract]
Advance amount	$ 20,000	$ 20,000
Range of maturities	2024	2024
Federal Home Loan Bank Advances [Member] | Putable Advances [Member] | Weighted Average [Member]
Advances from Federal Home Loan Bank [Abstract]
Interest rate	1.81%	1.81%

OTHER BORROWED FUNDS, Scheduled

OTHER BORROWED FUNDS, Scheduled Repayments of FHLB Advances (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Scheduled repayments of FHLB advances [Abstract]
2020	$ 0
2021	10,000
2022	0
2023	10,000
2024	40,000
Thereafter	0
Total	$ 60,000	$ 60,000

OTHER BORROWED FUNDS, Federal R

OTHER BORROWED FUNDS, Federal Reserve Bank Borrowings (Details) - Federal Reserve Bank Borrowings [Member] - USD ($) $ in Millions	Dec. 31, 2019	Dec. 31, 2018
Debt instruments [Abstract]
Borrowings outstanding	$ 0	$ 0
Unused borrowing capacity	13	16.9
Commercial and mortgage loans pledged to the Federal Reserve Bank	$ 15.2	$ 18.2

LONG TERM DEBT (Details)

LONG TERM DEBT (Details)	Dec. 31, 2019USD ($)	Dec. 31, 2019USD ($)Payment	Dec. 31, 2018USD ($)
Debt Instruments [Abstract]
Proceeds from debenture issued		$ 41,238,000
Number of interest deferrals on consecutive quarterly payments | Payment		20
Long-term debt	$ 20,619,000	$ 20,619,000	$ 41,238,000
Other assets	9,807,000	9,807,000	7,679,000
Preferred Securities issued qualified as Tier 1 capital for regulatory capital purposes	128,332,000	128,332,000	128,678,000
Common Securities [Member]
Debt Instruments [Abstract]
Other assets	619,000	$ 619,000	1,238,000
Macatawa Statutory Trust I [Member]
Debt Instruments [Abstract]
Description of variable rate basis		three-month LIBOR
Maturity date		Jul. 15, 2033
Macatawa Statutory Trust I [Member] | LIBOR [Member]
Debt Instruments [Abstract]
Basis spread on three-month LIBOR		3.05%
Term of variable rate		3 months
Macatawa Statutory Trust I [Member] | Common Securities [Member]
Debt Instruments [Abstract]
Aggregate liquidation amount of pooled trust preferred securities	619,000	$ 619,000
Amount of securities associated with trust preferred securities redeemed	619,000
Macatawa Statutory Trust II [Member]
Debt Instruments [Abstract]
Description of variable rate basis		three-month LIBOR
Maturity date		Mar. 18, 2034
Macatawa Statutory Trust II [Member] | LIBOR [Member]
Debt Instruments [Abstract]
Basis spread on three-month LIBOR		2.75%
Term of variable rate		3 months
Macatawa Statutory Trust II [Member] | Common Securities [Member]
Debt Instruments [Abstract]
Aggregate liquidation amount of pooled trust preferred securities	619,000	$ 619,000
Preferred Securities [Member]
Debt Instruments [Abstract]
Preferred Securities issued qualified as Tier 1 capital for regulatory capital purposes	20,000,000	20,000,000	$ 40,000,000
Preferred Securities [Member] | Macatawa Statutory Trust I [Member]
Debt Instruments [Abstract]
Aggregate liquidation amount of pooled trust preferred securities	20,000,000	20,000,000
Amount of securities associated with trust preferred securities redeemed	20,000,000
Preferred Securities [Member] | Macatawa Statutory Trust II [Member]
Debt Instruments [Abstract]
Aggregate liquidation amount of pooled trust preferred securities	$ 20,000,000	$ 20,000,000

RELATED PARTY TRANSACTIONS (Det

RELATED PARTY TRANSACTIONS (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Loans to principal officers, directors, and their affiliates [Roll Forward]
Beginning balance	$ 28,743	$ 28,538
New loans and renewals	3,343	19,200
Repayments and renewals	(3,548)	(18,995)
Effect of changes in related parties	(144)	0
Ending balance	28,394	28,743
Principal Officers, Directors, and Affiliates [Member]
Loans to principal officers, directors, and their affiliates [Roll Forward]
Deposits from principal officers, directors, and affiliates	15,900	112,700
Director [Member] | Back-to-Back Swap Agreement [Member]
Loans to principal officers, directors, and their affiliates [Roll Forward]
Notional amount of agreement	$ 14,000	$ 15,000

STOCK-BASED COMPENSATION (Detai

STOCK-BASED COMPENSATION (Details) - USD ($)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Information related to stock options during each year [Abstract]
Cash received from option exercises	$ 0	$ 386,000
Stock Options [Member]
Stock-based compensation [Abstract]
Contractual term	10 years
Options granted (in shares)	0	0
Options outstanding (in shares)	0	0
Options exercisable (in shares)	0	0
Information related to stock options during each year [Abstract]
Intrinsic value of options exercised	$ 0	$ 72,000
Cash received from option exercises	0	386,000
Tax benefit realized from option exercises	0	19,000
Share-based compensation cost	0	0
Unrecognized cost related to nonvested stock options granted	$ 0
Stock Options [Member] | Minimum [Member]
Stock-based compensation [Abstract]
Award vesting period	1 year
Stock Options [Member] | Maximum [Member]
Stock-based compensation [Abstract]
Award vesting period	3 years
Restricted Stock [Member]
Information related to stock options during each year [Abstract]
Share-based compensation cost	$ 427,000	$ 452,000
Changes in nonvested restricted stock awards, shares [Roll Forward]
Outstanding, beginning of period (in shares)	90,226
Granted (in shares)	83,910
Vested (in shares)	(36,770)
Forfeited (in shares)	(16,379)
Outstanding, end of period (in shares)	120,987	90,226
Weighted-average grant-date fair value [Roll Forward]
Outstanding, beginning of period (in dollars per share)	$ 10.13
Granted (in dollars per share)	10.32
Vested (in dollars per share)	10
Forfeited (in dollars per share)	10.14
Outstanding, end of period (in dollars per share)	$ 10.30	$ 10.13
Aggregate intrinsic value [Roll Forward]
Outstanding, beginning of period	$ 1,004,215
Granted	933,918
Vested	409,250
Forfeited	182,298
Outstanding, end of period	1,346,585	$ 1,004,215
Total remaining unrecognized compensation cost related to nonvested shares	$ 1,097,000
Weighted-average period for recognition for unrecognized compensation cost	1 year 6 months 11 days
Total grant date fair value of shares vested	$ 368,000	$ 436,000
Restricted Stock [Member] | Maximum [Member]
Stock-based compensation [Abstract]
Award vesting period	3 years
2015 Plan [Member]
Stock-based compensation [Abstract]
Number of shares permitted under the plan (in shares)	1,500,000
Shares available for issuance (in shares)	1,213,776

EMPLOYEE BENEFITS (Details)

EMPLOYEE BENEFITS (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
EMPLOYEE BENEFITS [Abstract]
Employer matching contribution up to first 3%	100.00%
Employee contribution threshold for matching percentage	3.00%
Employer matching contribution in excess of first 3%	50.00%
Maximum employer matching contribution	5.00%
Employer contributions	$ 722	$ 717

EARNINGS PER COMMON SHARE (Deta

EARNINGS PER COMMON SHARE (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018
Reconciliation of numerators and denominators of basic and diluted earnings per common share [Abstract]
Net income	$ 8,172	$ 8,158	$ 8,003	$ 7,646	$ 7,043	$ 6,852	$ 6,728	$ 5,755	$ 31,979	$ 26,379
Weighted average shares outstanding, including participating stock awards - Basic (in shares)									34,056,200	34,018,259
Dilutive potential common shares [Abstract]
Stock options (in shares)									0	295
Weighted average shares outstanding - Diluted (in shares)									34,056,200	34,018,554
Basic earnings per common share (in dollars per share)	$ 0.24	$ 0.24	$ 0.24	$ 0.22	$ 0.21	$ 0.20	$ 0.20	$ 0.17	$ 0.94	$ 0.78
Diluted earnings per common share (in dollars per share)	$ 0.24	$ 0.24	$ 0.24	$ 0.22	$ 0.21	$ 0.20	$ 0.20	$ 0.17	$ 0.94	$ 0.78

FEDERAL INCOME TAXES (Details)

FEDERAL INCOME TAXES (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Income tax expense [Abstract]
Current	$ 7,172	$ 5,377
Deferred	290	502
Change in valuation allowance	0	92
Income tax expense	$ 7,462	$ 5,971
Reconciliation of difference between financial statement tax expense and amount computed by applying statutory federal tax rate to pretax income [Abstract]
Statutory rate	21.00%	21.00%
Statutory rate applied to income before taxes	$ 8,283	$ 6,794
Adjust for [Abstract]
Tax-exempt interest income	(703)	(700)
Bank-owned life insurance	(204)	(198)
Change in valuation allowance	0	92
Other, net	86	(17)
Income tax expense	7,462	5,971
Deferred tax assets [Abstract]
Allowance for loan losses	3,612	3,544
Nonaccrual loan interest	182	268
Valuation allowance on other real estate owned and property held for sale	76	218
Unrealized loss on securities available for sale	0	606
Other	248	302
Gross deferred tax assets	4,118	4,938
Valuation allowance	(92)	(92)
Total net deferred tax assets	4,026	4,846
Deferred tax liabilities [Abstract]
Depreciation	(1,053)	(1,005)
Prepaid expenses	(172)	(200)
Unrealized gain on securities available for sale	(406)	0
Other	(317)	(261)
Gross deferred tax liabilities	(1,948)	(1,466)
Net deferred tax asset	2,078	3,380
Unrecognized tax benefits	$ 0	$ 0
Period when unrecognized tax benefits is not expected to significantly increase or decrease	12 months

COMMITMENTS AND OFF BALANCE-S_3

COMMITMENTS AND OFF BALANCE-SHEET RISK (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Summary of the contractual amounts of financial instruments with off-balance-sheet risk [Abstract]
Notional amount of commitments to fund mortgage loans to be sold into the secondary market	$ 11,000	$ 4,100
Commitments to make loans at fixed rates	79.50%
Expiration period of commitment to make variable rate loan	30 days
Commitments to Extend Credit [Member]
Summary of the contractual amounts of financial instruments with off-balance-sheet risk [Abstract]
Contractual amounts of financial instruments with off-balance-sheet risk	$ 65,648	77,391
Letters of Credit [Member]
Summary of the contractual amounts of financial instruments with off-balance-sheet risk [Abstract]
Contractual amounts of financial instruments with off-balance-sheet risk	15,303	15,802
Unused Lines of Credit [Member]
Summary of the contractual amounts of financial instruments with off-balance-sheet risk [Abstract]
Contractual amounts of financial instruments with off-balance-sheet risk	$ 502,200	$ 486,203

SHAREHOLDERS' EQUITY (Details)

SHAREHOLDERS' EQUITY (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)Category	Dec. 31, 2018USD ($)
SHAREHOLDERS' EQUITY [Abstract]
Number of classification of prompt corrective action regulations | Category	5
Actual capital levels and minimum required levels [Abstract]
CET1 capital (to risk weighted assets), actual amount	$ 215,925	$ 193,131
CET1 capital (to risk weighted assets), actual ratio	13.50%	12.00%
Tier 1 capital (to risk weighted assets), actual amount	$ 235,925	$ 233,131
Tier 1 capital (to risk weighted assets), actual ratio	14.70%	14.50%
Total capital (to risk weighted assets), actual amount	$ 253,125	$ 250,007
Total capital (to risk weighted assets), actual ratio	15.80%	15.50%
Tier 1 capital (to average assets), actual amount	$ 235,925	$ 233,131
Tier 1 capital (to average assets), actual ratio	11.50%	12.10%
CET1 capital (to risk weighted assets), minimum capital adequacy, amount	$ 72,187	$ 72,381
CET1 capital (to risk weighted assets), minimum capital adequacy, ratio	4.50%	4.50%
Tier 1 capital (to risk weighted assets), minimum capital adequacy, amount	$ 96,249	$ 96,508
Tier 1 capital (to risk weighted assets), minimum capital adequacy, ratio	6.00%	6.00%
Total capital (to risk weighted assets), minimum capital adequacy, amount	$ 128,332	$ 128,678
Total capital (to risk weighted assets), minimum capital adequacy, ratio	8.00%	8.00%
Tier 1 capital (to average assets), minimum capital adequacy, amount	$ 82,130	$ 76,963
Tier 1 capital (to average assets), minimum capital adequacy, ratio	4.00%	4.00%
CET1 capital (to risk weighted assets), minimum capital adequacy with capital buffer, amount	$ 112,290	$ 102,540
CET1 capital (to risk weighted assets), minimum capital adequacy with capital buffer, ratio	7.00%	6.40%
Tier 1 capital (to risk weighted assets), minimum capital adequacy with capital buffer, amount	$ 136,353	$ 126,667
Tier 1 capital (to risk weighted assets), minimum capital adequacy with capital buffer, ratio	8.50%	7.90%
Total capital (to risk weighted assets), minimum capital adequacy with capital buffer, amount	$ 168,436	$ 158,837
Total capital (to risk weighted assets), minimum capital adequacy with capital buffer, ratio	10.50%	9.90%
Trust preferred securities that qualified as Tier one risk based capital	$ 20,000	$ 40,000
Bank [Member]
Actual capital levels and minimum required levels [Abstract]
CET1 capital (to risk weighted assets), actual amount	$ 228,761	$ 226,531
CET1 capital (to risk weighted assets), actual ratio	14.30%	14.10%
Tier 1 capital (to risk weighted assets), actual amount	$ 228,761	$ 226,531
Tier 1 capital (to risk weighted assets), actual ratio	14.30%	14.10%
Total capital (to risk weighted assets), actual amount	$ 245,961	$ 243,407
Total capital (to risk weighted assets), actual ratio	15.30%	15.10%
Tier 1 capital (to average assets), actual amount	$ 228,761	$ 226,531
Tier 1 capital (to average assets), actual ratio	11.20%	11.80%
CET1 capital (to risk weighted assets), minimum capital adequacy, amount	$ 72,182	$ 72,371
CET1 capital (to risk weighted assets), minimum capital adequacy, ratio	4.50%	4.50%
Tier 1 capital (to risk weighted assets), minimum capital adequacy, amount	$ 96,243	$ 96,495
Tier 1 capital (to risk weighted assets), minimum capital adequacy, ratio	6.00%	6.00%
Total capital (to risk weighted assets), minimum capital adequacy, amount	$ 128,324	$ 128,660
Total capital (to risk weighted assets), minimum capital adequacy, ratio	8.00%	8.00%
Tier 1 capital (to average assets), minimum capital adequacy, amount	$ 82,070	$ 76,902
Tier 1 capital (to average assets), minimum capital adequacy, ratio	4.00%	4.00%
CET1 capital (to risk weighted assets), minimum capital adequacy with capital buffer, amount	$ 112,284	$ 102,526
CET1 capital (to risk weighted assets), minimum capital adequacy with capital buffer, ratio	7.00%	6.40%
Tier 1 capital (to risk weighted assets), minimum capital adequacy with capital buffer, amount	$ 136,344	$ 126,649
Tier 1 capital (to risk weighted assets), minimum capital adequacy with capital buffer, ratio	8.50%	7.90%
Total capital (to risk weighted assets), minimum capital adequacy with capital buffer, amount	$ 168,425	$ 158,814
Total capital (to risk weighted assets), minimum capital adequacy with capital buffer, ratio	10.50%	9.90%
CET1 capital (to risk weighted assets) to be well capitalized under prompt corrective action regulations, amount	$ 104,263	$ 104,536
CET1 capital (to risk weighted assets) to be well capitalized under prompt corrective action regulations, ratio	6.50%	6.50%
Tier 1 capital (to risk weighted assets) to be well capitalized under prompt corrective action regulations, amount	$ 128,324	$ 128,660
Tier 1 capital (to risk weighted assets) to be well capitalized under prompt corrective action regulations, ratio	8.00%	8.00%
Total capital (to risk weighted assets) to be well capitalized under prompt corrective action regulations, amount	$ 160,405	$ 160,825
Total capital (to risk weighted assets) to be well capitalized under prompt corrective action regulations, ratio	10.00%	10.00%
Tier 1 capital (to average assets) to be well capitalized under prompt corrective action regulations, amount	$ 102,587	$ 96,128
Tier 1 capital (to average assets) to be well capitalized under prompt corrective action regulations, ratio	5.00%	5.00%

CONDENSED FINANCIAL STATEMENT_3

CONDENSED FINANCIAL STATEMENTS (PARENT COMPANY ONLY), Condensed Balance Sheets (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
ASSETS [Abstract]
Cash and cash equivalents	$ 272,450	$ 171,284	$ 161,467
Other assets	9,807	7,679
Total assets	2,068,770	1,975,124
LIABILITIES AND SHAREHOLDERS' EQUITY [Abstract]
Long-term debt	20,619	41,238
Total liabilities	1,851,301	1,784,271
Total shareholders' equity	217,469	190,853	172,986
Total liabilities and shareholders' equity	2,068,770	1,975,124
Parent Company [Member]
ASSETS [Abstract]
Cash and cash equivalents	7,289	6,425	$ 5,972
Investments in Bank subsidiary	230,305	224,253
Investment in other subsidiaries	650	1,441
Other assets	107	227
Total assets	238,351	232,346
LIABILITIES AND SHAREHOLDERS' EQUITY [Abstract]
Long-term debt	20,619	41,238
Other liabilities	263	255
Total liabilities	20,882	41,493
Total shareholders' equity	217,469	190,853
Total liabilities and shareholders' equity	$ 238,351	$ 232,346

CONDENSED FINANCIAL STATEMENT_4

CONDENSED FINANCIAL STATEMENTS (PARENT COMPANY ONLY), Condensed Statements of Income and Comprehensive Income (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018
EXPENSE [Abstract]
Interest expense									$ 12,455	$ 9,411
Income before income tax									39,441	32,350
Income tax benefit									7,462	5,971
Net income	$ 8,172	$ 8,158	$ 8,003	$ 7,646	$ 7,043	$ 6,852	$ 6,728	$ 5,755	31,979	26,379
Comprehensive income									35,801	25,646
Parent Company [Member]
INCOME [Abstract]
Dividends from subsidiaries									32,610	11,121
Other									0	0
Total income									32,610	11,121
EXPENSE [Abstract]
Interest expense									2,232	2,127
Other expense									720	679
Total expense									2,952	2,806
Income before income tax and equity in undistributed earnings of subsidiaries									29,658	8,315
Equity in undistributed earnings of subsidiaries									1,678	17,484
Income before income tax									31,336	25,799
Income tax benefit									(643)	(580)
Net income									31,979	26,379
Comprehensive income									$ 35,801	$ 25,646

CONDENSED FINANCIAL STATEMENT_5

CONDENSED FINANCIAL STATEMENTS (PARENT COMPANY ONLY), Condensed Statements of Cash Flows (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018
Cash flows from operating activities [Abstract]
Net income	$ 8,172	$ 8,158	$ 8,003	$ 7,646	$ 7,043	$ 6,852	$ 6,728	$ 5,755	$ 31,979	$ 26,379
Adjustments to reconcile net income to net cash from operating activities [Abstract]
Stock compensation expense									427	452
Net cash from operating activities									29,720	29,635
Cash flows from investing activities [Abstract]
Net cash from investing activities									25,122	(77,198)
Cash flows from financing activities [Abstract]
Cash dividends paid									(9,511)	(8,481)
Repurchases of shares									(101)	(136)
Net cash from financing activities									46,324	57,380
Net change in cash and cash equivalents									101,166	9,817
Cash and cash equivalents at beginning of period				171,284				161,467	171,284	161,467
Cash and cash equivalents at end of period	272,450				171,284				272,450	171,284
Parent Company [Member]
Cash flows from operating activities [Abstract]
Net income									31,979	26,379
Adjustments to reconcile net income to net cash from operating activities [Abstract]
Equity in undistributed earnings of subsidiaries									(1,678)	(17,484)
Stock compensation expense									47	52
Change in other assets									120	(154)
Change in other liabilities									8	(109)
Net cash from operating activities									30,476	8,684
Cash flows from investing activities [Abstract]
Investment in subsidiaries									619	0
Net cash from investing activities									619	0
Cash flows from financing activities [Abstract]
Proceeds from issuance of common stock									0	386
Repayment of other borrowings									(20,619)	0
Cash dividends paid									(9,511)	(8,481)
Common stock issuance costs									0	0
Repurchases of shares									(101)	(136)
Net cash from financing activities									(30,231)	(8,231)
Net change in cash and cash equivalents									864	453
Cash and cash equivalents at beginning of period				$ 6,425				$ 5,972	6,425	5,972
Cash and cash equivalents at end of period	$ 7,289				$ 6,425				$ 7,289	$ 6,425

QUARTERLY FINANCIAL DATA (Una_3

QUARTERLY FINANCIAL DATA (Unaudited) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018
QUARTERLY FINANCIAL DATA (Unaudited) [Abstract]
Interest income	$ 18,435	$ 19,079	$ 19,239	$ 19,189	$ 18,496	$ 17,687	$ 16,836	$ 16,019	$ 75,942	$ 69,037
Net interest income	15,675	15,836	15,955	16,021	15,628	15,162	14,653	14,182	63,487	59,626
Provision for loan losses	0	0	(200)	(250)	850	0	(300)	(100)	(450)	450
Net income	$ 8,172	$ 8,158	$ 8,003	$ 7,646	$ 7,043	$ 6,852	$ 6,728	$ 5,755	$ 31,979	$ 26,379
Earnings per common share, basic (in dollars per share)	$ 0.24	$ 0.24	$ 0.24	$ 0.22	$ 0.21	$ 0.20	$ 0.20	$ 0.17	$ 0.94	$ 0.78
Earnings per common share, diluted (in dollars per share)	$ 0.24	$ 0.24	$ 0.24	$ 0.22	$ 0.21	$ 0.20	$ 0.20	$ 0.17	$ 0.94	$ 0.78