Macatawa Bank (MCBC) 10-Q 23 Apr 20 2020 Q1 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	3 Months Ended
	Mar. 31, 2020	Apr. 23, 2020
Cover [Abstract]
Entity Registrant Name	MACATAWA BANK CORP
Entity Central Index Key	0001053584
Current Fiscal Year End Date	--12-31
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 Common Stock, Shares Outstanding		34,107,995
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Mar. 31, 2020
Document Fiscal Year Focus	2020
Document Fiscal Period Focus	Q1
Entity Address, State or Province	MI

CONSOLIDATED BALANCE SHEETS (un

CONSOLIDATED BALANCE SHEETS (unaudited) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
ASSETS
Cash and due from banks	$ 25,861	$ 31,942
Federal funds sold and other short-term investments	181,334	240,508
Cash and cash equivalents	207,195	272,450
Debt securities available for sale, at fair value	243,368	225,249
Debt securities held to maturity (fair value 2020 - $84,866 and 2019 - $85,128)	82,514	82,720
Federal Home Loan Bank (FHLB) stock	11,558	11,558
Loans held for sale, at fair value	1,966	3,294
Total loans	1,395,341	1,385,627
Allowance for loan losses	(18,889)	(17,200)
Net loans	1,376,452	1,368,427
Premises and equipment - net	43,461	43,417
Accrued interest receivable	5,356	4,866
Bank-owned life insurance	42,411	42,156
Other real estate owned - net	2,626	2,748
Net deferred tax asset	1,728	2,078
Other assets	12,455	9,807
Total assets	2,031,090	2,068,770
Deposits
Noninterest-bearing	492,409	482,499
Interest-bearing	1,212,971	1,270,795
Total deposits	1,705,380	1,753,294
Other borrowed funds	70,000	60,000
Long-term debt	20,619	20,619
Accrued expenses and other liabilities	11,511	17,388
Total liabilities	1,807,510	1,851,301
Commitments and contingent liabilities
Shareholders' equity
Common stock, no par value, 200,000,000 shares authorized; 34,107,995 and 34,103,542 shares issued and outstanding at March 31, 2020 and December 31, 2019	218,207	218,109
Retained earnings (deficit)	1,507	(2,184)
Accumulated other comprehensive income	3,866	1,544
Total shareholders' equity	223,580	217,469
Total liabilities and shareholders' equity	$ 2,031,090	$ 2,068,770

CONSOLIDATED BALANCE SHEETS (_2

CONSOLIDATED BALANCE SHEETS (unaudited) (Parenthetical) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
ASSETS
Debt securities held to maturity, fair value	$ 84,866	$ 85,128
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)	34,107,995	34,103,542
Common stock, shares outstanding (in shares)	34,107,995	34,103,542

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME (unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Interest income
Loans, including fees	$ 14,851	$ 16,450
Securities
Taxable	1,061	996
Tax-exempt	882	839
FHLB Stock	124	160
Federal funds sold and other short-term investments	576	744
Total interest income	17,494	19,189
Interest expense
Deposits	1,603	2,256
Other borrowings	349	327
Long-term debt	239	586
Total interest expense	2,191	3,169
Net interest income	15,303	16,020
Provision for loan losses	700	(250)
Net interest income after provision for loan losses	14,603	16,270
Noninterest income
Service charges and fees	1,110	1,050
Net gains on mortgage loans	650	211
Trust fees	935	890
ATM and debit card fees	1,337	1,326
Gain on sales of securities	0	0
Bank owned life insurance ("BOLI") income	242	236
Other	685	615
Total noninterest income	4,959	4,328
Noninterest expense
Salaries and benefits	6,691	6,244
Occupancy of premises	1,009	1,093
Furniture and equipment	855	844
Legal and professional	291	230
Marketing and promotion	238	228
Data processing	760	730
FDIC assessment	0	120
Interchange and other card expense	347	345
Bond and D&O Insurance	105	104
Net (gains) losses on repossessed and foreclosed properties	31	(35)
Administration and disposition of problem assets	30	88
Other	1,365	1,247
Total noninterest expenses	11,722	11,238
Income before income tax	7,840	9,360
Income tax expense	1,429	1,714
Net income	$ 6,411	$ 7,646
Basic earnings per common share (in dollars per share)	$ 0.19	$ 0.22
Diluted earnings per common share (in dollars per share)	0.19	0.22
Cash dividends per common share (in dollars per share)	$ 0.08	$ 0.07

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (unaudited) [Abstract]
Net income	$ 6,411	$ 7,646
Unrealized gains (losses):
Net change in unrealized gains (losses) on debt securities available for sale	2,939	2,261
Tax effect	(617)	(475)
Net change in unrealized gains (losses) on debt securities available for sale, net of tax	2,322	1,786
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	2,322	1,786
Comprehensive income	$ 8,733	$ 9,432

CONSOLIDATED STATEMENTS OF CHAN

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (unaudited) - USD ($) $ in Thousands	Common Stock [Member]	Retained Deficit [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Total
Balance at Dec. 31, 2018	$ 217,783	$ (24,652)	$ (2,278)	$ 190,853
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	0	7,646	0	7,646
Cash dividends	0	(2,378)	0	(2,378)
Net change in unrealized loss on debt securities available for sale, net of tax	0	0	1,786	1,786
Stock compensation expense	59	0	0	59
Balance at Mar. 31, 2019	217,842	(19,384)	(492)	197,966
Balance at Dec. 31, 2019	218,109	(2,184)	1,544	217,469
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	0	6,411	0	6,411
Cash dividends	0	(2,720)	0	(2,720)
Repurchase of 1,608 shares for taxes withheld on vested restricted stock	(11)	0	0	(11)
Net change in unrealized loss on debt securities available for sale, net of tax	0	0	2,322	2,322
Stock compensation expense	109	0	0	109
Balance at Mar. 31, 2020	$ 218,207	$ 1,507	$ 3,866	$ 223,580

CONSOLIDATED STATEMENTS OF CH_2

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (unaudited) (Parenthetical)	3 Months Ended
	Mar. 31, 2020$ / sharesshares
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Cash dividend per share (in dollars per share) | $ / shares	$ 0.08
Common Stock [Member]
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Number of shares repurchased for taxes withheld on vested restricted stock (in shares) | shares	1,608

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS (unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Cash flows from operating activities
Net income	$ 6,411	$ 7,646
Adjustments to reconcile net income to net cash from operating activities:
Depreciation and amortization	721	632
Stock compensation expense	109	59
Provision for loan losses	700	(250)
Origination of loans for sale	(29,356)	(6,881)
Proceeds from sales of loans originated for sale	31,334	6,995
Net gains on mortgage loans	(650)	(211)
Write-down of other real estate	31	10
Net gain (loss) on sales of other real estate	0	(45)
Deferred income tax expense	(271)	245
Change in accrued interest receivable and other assets	(3,138)	(2,063)
Earnings in bank-owned life insurance	(242)	(236)
Change in accrued expenses and other liabilities	4,276	2,771
Net cash from operating activities	9,925	8,672
Cash flows from investing activities
Loan originations and payments, net	(8,725)	21,357
Purchases of securities available for sale	(49,894)	(5,297)
Purchases of securities held to maturity	(5,876)	(498)
Proceeds from:
Maturities and calls of securities	26,544	8,300
Principal paydowns on securities	3,949	1,835
Sales of other real estate	91	154
Additions to premises and equipment	(624)	(568)
Net cash from investing activities	(34,535)	25,283
Cash flows from financing activities
Change in deposits	(47,914)	(58,875)
Repayments and maturities of other borrowed funds	0	(10,000)
Proceeds from other borrowed funds	10,000	10,000
Repurchase of shares for taxes withheld on vested restricted stock	(11)	0
Cash dividends paid	(2,720)	(2,378)
Net cash from financing activities	(40,645)	(61,253)
Net change in cash and cash equivalents	(65,255)	(27,298)
Cash and cash equivalents at beginning of period	272,450	171,284
Cash and cash equivalents at end of period	207,195	143,986
Supplemental cash flow information
Interest paid	2,234	2,788
Income taxes paid	0	0
Supplemental noncash disclosures:
Transfers from loans to other real estate	0	0
Security settlement	$ (10,153)	$ (253)

SUMMARY OF SIGNIFICANT ACCOUNTI

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	3 Months Ended
	Mar. 31, 2020
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	NOTE 1 – SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES 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 stock of Macatawa Statutory Trust I and Macatawa Statutory Trust II. These are grantor trusts that issued trust preferred securities and are not consolidated with the Company under accounting principles generally accepted in the United States of America. Recent Events: We quickly responded to the changing environment by executing our business continuity plan and purchasing and deploying additional equipment to allow for a majority of our workforce to work remotely. Our branch facilities remain open, but lobbies have been closed with transactions being conducted through drive-up windows or on-line channels. We have implemented rotations for onsite personnel, implemented enhanced daily cleaning of facilities and instructed personnel to maintain appropriate social distancing in our offices. On March 22, 2020, the federal banking agencies issued an “Interagency Statement on Loan Modifications and Reporting for Financial Institutions Working with Customers Affected by the Coronavirus” The CARES Act included an allocation of $349 billion for loans to be issued by financial institutions through the Small Business Administration (“SBA”). This program is known as the Paycheck Protection Program (“PPP”). PPP loans are forgivable, in whole or in part, if the proceeds are used for payroll and other permitted purposes in accordance with the requirements of the PPP. These loans carry a fixed rate of 1.00% and a term of two years, if not forgiven, in whole or in part. Payments are deferred for the first six months of the loan. The loans are 100% guaranteed by the SBA. The SBA pays the originating bank a processing fee ranging from 1% to 5%, based on the size of the loan. The SBA began accepting submissions for these PPP loans on Friday, April 3, 2020. In the first weekend, we originated over $100 million of these PPP loans and through April 16, 2020, the date the SBA reached the limit of funds available to disburse under this program, we had received SBA authorizations for PPP loans totaling $311.6 million. Participation in the PPP will likely have a significant impact on our asset mix and net interest margin for the remainder of 2020. At March 31, 2020, we had $181.3 million in federal funds sold and $359.4 million of available borrowing capacity from our correspondent banks. In addition, the Federal Reserve has implemented a liquidity facility available to financial institutions participating in the PPP. As such, the Bank believes it has sufficient liquidity sources to fund all pending PPP loans and to continue to provide this important service to local businesses if additional funds are appropriated for the PPP. Basis of Presentation Operating results for the three month period ended March 31, 2020 are not necessarily indicative of the results that may be expected for the year ending December 31, 2020. For further information, refer to the consolidated financial statements and related notes included in the Company's Annual Report on Form 10-K for the year ended December 31, 2019. Use of Estimates 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 factors. The Company maintains a loss migration analysis that tracks loan losses and recoveries based on loan class and the loan risk grade assignment for commercial loans. At March 31, 2020, an 18 month annualized historical loss experience was used for commercial loans and a 12 month historical loss experience period was applied to residential mortgage loans and consumer loans. These historical loss percentages are adjusted (both upwards and downwards) for certain qualitative factors, including economic trends, credit quality trends, valuation trends, concentration risk, quality of loan review, changes in personnel, 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 a concession has been made, 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 and the loan is reported 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 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. Foreclosed Assets 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 penalties related to income tax matters in income tax expense. 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 Reclassifications Newly Issued Not Yet Effective Standards Financial Instruments—Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments ASU No. 2019-10 Financial Instruments – Credit Losses (Topic 326), Derivatives and Hedging (Topic 815), and Leases (Topic 842) – Effective Dates On March 12, 2020, the Securities Exchange Commission finalized amendments to the definitions of “accelerated” and “large accelerated filer” definitions. The amendments increase the threshold criteria for meeting these categories and are effective on April 27, 2020. Prior to these changes, the Company was designated as an “accelerated” filer as it had more than $75 million in public float but less than $700 million at the end of the Company’s most recent second quarter. The rule change expands the definition of “smaller reporting companies” to include entities with public float of less than $700 million and less than $100 million in annual revenues. The Company expects to meet this expanded category of small reporting company and will no longer be considered an accelerated filer. If the Company’s annual revenues exceed $100 million, its category will change back to “accelerated filer”. The categorization of “accelerated” or “large accelerated filer” drives the requirement for a public company to obtain an auditor attestation of its internal control over financial reporting. Smaller reporting companies also have additional time to file quarterly and annual financial statements. All public companies are required to obtain and file annual financial statement audits, as well as provide management’s assertion on effectiveness of internal control over financial reporting, but the external auditor attestation of internal control over financial reporting is not required if not an accelerated or large accelerated filer. As the Bank has total assets exceeding $1.0 billion, it remains subject to FDICIA, which requires an auditor attestation of internal controls over the Bank’s regulatory financial reporting. As such, other than the additional time provided to file quarterly and annual financial statements, this change does not significantly change the Company’s annual reporting and audit requirements.

SECURITIES

SECURITIES	3 Months Ended
	Mar. 31, 2020
SECURITIES [Abstract]
SECURITIES	NOTE 2 – SECURITIES The amortized cost and fair value of securities at period-end were as follows (dollars in thousands): Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value March 31, 2020 Available for Sale U.S. Treasury and federal agency securities $ 67,794 $ 584 $ — $ 68,378 U.S. Agency MBS and CMOs 62,555 2,118 — 64,673 Tax-exempt state and municipal bonds 45,820 1,123 (13 ) 46,930 Taxable state and municipal bonds 55,015 1,102 (46 ) 56,071 Corporate bonds and other debt securities 7,290 41 (15 ) 7,316 $ 238,474 $ 4,968 $ (74 ) $ 243,368 Held to Maturity Tax-exempt state and municipal bonds $ 82,514 $ 2,352 $ — $ 84,866 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 There were no sales of securities in the three month periods ended March 31, 2020 and 2019. Contractual maturities of debt securities at March 31, 2020 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 $ 18,583 $ 18,669 $ 30,761 $ 30,926 Due from one to five years 31,133 31,895 84,398 85,879 Due from five to ten years 14,173 14,869 60,823 62,003 Due after ten years 18,625 19,433 62,492 64,560 $ 82,514 $ 84,866 $ 238,474 $ 243,368 Securities with unrealized losses at March 31, 2020 and December 31, 2019, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, were as follows (dollars in thousands): Less than 12 Months 12 Months or More Total March 31, 2020 Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Available for Sale U.S. Treasury and federal agency securities $ — $ — $ — $ — $ — $ — U.S. Agency MBS and CMOs — — — — — — Tax-exempt state and municipal bonds 503 (3 ) — — 503 (3 ) Taxable state and municipal bonds 5,053 (56 ) — — 5,053 (56 ) Corporate bonds and other debt securities 2,980 (14 ) 351 (1 ) 3,331 (15 ) Total $ 8,536 $ (73 ) $ 351 $ (1 ) $ 8,887 $ (74 ) Held to Maturity Tax-exempt state and municipal bonds $ — $ — $ — $ — $ — $ — 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 temporarily impaired $ 43,946 $ (210 ) $ 32,055 $ (111 ) $ 76,001 $ (321 ) Held to Maturity Tax-exempt state and municipal bonds $ — $ — $ — $ — $ — $ — Other-Than-Temporary-Impairment 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. At March 31, 2020, 17 securities available for sale with fair values totaling $8.9 million had unrealized losses totaling approximately $74,000. At March 31, 2020, no securities held to maturity had unrealized losses. Management has the intent and ability 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 if its investment securities before a recovery of cost. Management determined that the unrealized losses for the three month periods ended March 31, 2020 and 2019 were attributable to changes in interest rates and not due to credit quality. As such, no OTTI charges were necessary during each period. Securities with a carrying value of approximately $5.1 million and $3.0 million were pledged as security for public deposits, letters of credit and for other purposes required or permitted by law at March 31, 2020 and December 31, 2019, respectively.

LOANS

LOANS	3 Months Ended
	Mar. 31, 2020
LOANS [Abstract]
LOANS	NOTE 3 – LOANS Portfolio loans were as follows (dollars in thousands): March 31, 2020 December 31, 2019 Commercial and industrial $ 527,590 $ 499,572 Commercial real estate: Residential developed 12,795 14,705 Unsecured to residential developers 5,000 — Vacant and unimproved 42,761 41,796 Commercial development 623 665 Residential improved 131,954 130,861 Commercial improved 284,565 292,799 Manufacturing and industrial 114,953 117,632 Total commercial real estate 592,651 598,458 Consumer Residential mortgage 198,585 211,049 Unsecured 247 274 Home equity 71,462 70,936 Other secured 4,806 5,338 Total consumer 275,100 287,597 Total loans 1,395,341 1,385,627 Allowance for loan losses (18,889 ) (17,200 ) $ 1,376,452 $ 1,368,427 Activity in the allowance for loan losses by portfolio segment was as follows (dollars in thousands): Three months ended March 31, 2020 Commercial and Industrial Commercial Real Estate Consumer Unallocated Total Beginning balance $ 7,658 $ 6,521 $ 3,009 $ 12 $ 17,200 Charge-offs — — (39 ) — (39 ) Recoveries 19 974 35 — 1,028 Provision for loan losses 1,130 (582 ) 125 27 700 Ending Balance $ 8,807 $ 6,913 $ 3,130 $ 39 $ 18,889 Three months ended March 31, 2019 Commercial and Industrial Commercial Real Estate Consumer Unallocated Total Beginning balance $ 6,856 $ 6,544 $ 3,449 $ 27 $ 16,876 Charge-offs — (132 ) (25 ) — (157 ) Recoveries 136 224 63 — 423 Provision for loan losses (3 ) (189 ) (61 ) 3 (250 ) Ending Balance $ 6,989 $ 6,447 $ 3,426 $ 30 $ 16,892 The provision for loan losses for the three months ended March 31, 2020 was $700,000 compared to a negative $250,000 for the same period in 2019. Positively impacting the provisions for loan losses for each period were the continued stabilization of real estate values on problem credits and asset quality metrics, and net loan recoveries of $989,000 in the three months ended March 31, 2020 and $266,000 in the same period in 2019. Negatively impacting the provision for loan losses for the first quarter of 2020 was the estimated impact of COVID-19, which impact will be far-reaching and take time to be fully realized. The Bank has been actively working with its borrowers at risk who are impacted by the stay-at-home orders issued by the Governor of the State of Michigan on March 23, 2020 and April 9, 2020, respectively. These actions include short-term extensions and acceptance of interest-only payments on a short-term basis. Many of the Bank’s customers have been applying for and receiving Paycheck Protection Program loans as well. The Bank believes these measures will partially mitigate the impact of these stay-at home orders, but it is likely that the Bank will experience increased delinquencies and loan losses as a result of the economic fallout from COVID-19. The following table presents 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): March 31, 2020 Commercial and Industrial Commercial Real Estate Consumer Unallocated Total Allowance for loan losses: Ending allowance attributable to loans: Individually reviewed for impairment $ 1,720 $ 36 $ 359 $ — $ 2,115 Collectively evaluated for impairment 7,087 6,877 2,771 39 16,774 Total ending allowance balance $ 8,807 $ 6,913 $ 3,130 $ 39 $ 18,889 Loans: Individually reviewed for impairment $ 7,164 $ 8,356 $ 4,820 $ — $ 20,340 Collectively evaluated for impairment 520,426 584,295 270,280 — 1,375,001 Total ending loans balance $ 527,590 $ 592,651 $ 275,100 $ — $ 1,395,341 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 The following table presents loans individually evaluated for impairment by class of loans as of March 31, 2020 (dollars in thousands): March 31, 2020 Unpaid Principal Balance Recorded Investment Allowance Allocated With no related allowance recorded: Commercial and industrial $ 168 $ 168 $ — Commercial real estate: Residential developed — — — Unsecured to residential developers — — — Vacant and unimproved — — — Commercial development — — — Residential improved 200 200 — Commercial improved 7,157 7,157 — Manufacturing and industrial — — — 7,357 7,357 — Consumer: Residential mortgage — — — Unsecured — — — Home equity — — — Other secured — — — — — — Total with no related allowance recorded $ 7,525 $ 7,525 $ — With an allowance recorded: Commercial and industrial $ 6,996 $ 6,996 $ 1,720 Commercial real estate: Residential developed 73 73 3 Unsecured to residential developers — — — Vacant and unimproved — — — Commercial development — — — Residential improved — — — Commercial improved 571 571 19 Manufacturing and industrial 355 355 14 999 999 36 Consumer: Residential mortgage 4,116 4,116 307 Unsecured 179 179 13 Home equity 499 499 37 Other secured 26 26 2 4,820 4,820 359 Total with an allowance recorded $ 12,815 $ 12,815 $ 2,115 Total $ 20,340 $ 20,340 $ 2,115 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 information regarding average balances of impaired loans and interest recognized on impaired loans for the three month periods ended March 31, 2020 and 2019 (dollars in thousands): Three Months Ended March 31, 2020 Three Months Ended March 31, 2019 Average of impaired loans during the period: Commercial and industrial $ 6,615 $ 6,825 Commercial real estate: Residential developed 74 172 Unsecured to residential developers — — Vacant and unimproved — 138 Commercial development — — Residential improved 267 308 Commercial improved 5,822 2,340 Manufacturing and industrial 356 379 Consumer 4,914 6,197 Interest income recognized during impairment: Commercial and industrial 273 288 Commercial real estate 99 44 Consumer 57 75 Cash-basis interest income recognized Commercial and industrial 275 282 Commercial real estate 128 49 Consumer 60 76 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 March 31, 2020 and 2019: March 31, 2020 Nonaccrual Over 90 days Accruing Commercial and industrial $ 1,211 $ — Commercial real estate: Residential developed — — Unsecured to residential developers — — Vacant and unimproved — — Commercial development — — Residential improved 97 — Commercial improved 5,811 — Manufacturing and industrial — — 5,908 — Consumer: Residential mortgage 103 — Unsecured — — Home equity 8 — Other secured — — 111 — Total $ 7,230 $ — 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 $ — The following table presents the aging of the recorded investment in past due loans as of March 31, 2020 and December 31, 2019 by class of loans (dollars in thousands): March 31, 2020 30-90 Days Greater Than 90 Days Total Past Due Loans Not Past Due Total Commercial and industrial $ 98 — $ 98 $ 527,492 $ 527,590 Commercial real estate: Residential developed — — — 12,795 12,795 Unsecured to residential developers — — — 5,000 5,000 Vacant and unimproved — — — 42,761 42,761 Commercial development — — — 623 623 Residential improved 82 15 97 131,857 131,954 Commercial improved — — — 284,565 284,565 Manufacturing and industrial — — — 114,953 114,953 82 15 97 592,554 592,651 Consumer: Residential mortgage 191 101 292 198,293 198,585 Unsecured 3 — 3 244 247 Home equity 15 8 23 71,439 71,462 Other secured — — — 4,806 4,806 209 109 318 274,782 275,100 Total $ 389 $ 124 $ 513 $ 1,394,828 $ 1,395,341 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 Company had allocated $1,693,000 and $1,624,000 of specific reserves to customers whose loan terms have been modified in troubled debt restructurings (“TDRs”) as of March 31, 2020 and December 31, 2019, 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. 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 troubled debt restructurings as of March 31, 2020 and December 31, 2019 (dollars in thousands): March 31, 2020 December 31, 2019 Number of Loans Outstanding Recorded Balance Number of Loans Outstanding Recorded Balance Commercial and industrial 8 $ 5,952 7 $ 5,797 Commercial real estate 14 2,545 15 2,770 Consumer 65 4,820 69 5,140 87 $ 13,317 91 $ 13,707 The following table presents information related to accruing troubled debt restructurings as of March 31, 2020 and December 31, 2019. The table presents the amount of accruing troubled debt restructurings 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 each period reported (dollars in thousands): March 31, 2020 December 31, 2019 Accruing TDR - nonaccrual at restructuring $ — $ — Accruing TDR - accruing at restructuring 7,722 8,295 Accruing TDR - upgraded to accruing after six consecutive payments 5,490 5,314 $ 13,212 $ 13,609 The following tables present information regarding troubled debt restructurings executed during the three month periods ended March 31, 2020 and 2019 (dollars in thousands): Three Months Ended March 31, 2020 Three Months Ended March 31, 2019 # of Loans Pre-TDR Balance Writedown Upon TDR # of Loans Pre-TDR Balance Writedown Upon TDR Commercial and industrial — $ — $ — — $ — $ — Commercial real estate — — — — — — Consumer 1 3 — — — — $ 1 $ 3 $ — $ — $ — $ — 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 three month periods ended March 31, 2020 and 2019, 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. In late March 2020, the federal banking regulators issued guidance that modifications made to a borrower affected by the COVID-19 pandemic and governmental shutdown orders does not need to be identified as a TDR if the loan was current at the time a modification plan was implemented. Section 4013 of the CARES Act also addressed COVID-19 related modifications and specified that such modifications made on loans that were current as of December 31, 2019 are not TDRs. As of March 31, 2020, the Bank has applied this guidance and made 179 such modifications with principal balances totaling $88.0 million. More of these types of modifications are likely to be executed in the second quarter of 2020 and the Bank will continue to follow the guidance issued by the banking regulators in making any TDR determinations Credit Quality Indicators: 1. Excellent 2. Above Average 3. Good Quality 4. Acceptable Risk 5. Marginally Acceptable 6. Substandard 7. Doubtful 8. Loss As of March 31, 2020 and December 31, 2019, the risk grade category of commercial loans by class of loans were as follows (dollars in thousands): March 31, 2020 1 2 3 4 5 6 7 8 Total Commercial and industrial $ 15,000 $ 31,871 $ 143,651 $ 312,993 $ 16,677 $ 6,187 $ 1,211 $ — $ 527,590 Commercial real estate: Residential developed — — 252 12,543 — — — — 12,795 Unsecured to residential developers — — — 5,000 — — — — 5,000 Vacant and unimproved — 9,173 3,721 28,230 1,637 — — — 42,761 Commercial development — — 78 545 — — — — 623 Residential improved — — 19,822 111,524 511 — 97 — 131,954 Commercial improved — 7,300 63,132 203,377 4,594 350 5,812 — 284,565 Manufacturing & industrial — 2,418 34,812 74,458 3,265 — — — 114,953 $ 15,000 $ 50,762 $ 265,468 $ 748,670 $ 26,684 $ 6,537 $ 7,120 $ — $ 1,120,241 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 Commercial loans rated a 6 or worse per the Company’s internal risk rating system are considered substandard, doubtful or loss. Commercial loans classified as substandard or worse were as follows at period-end (dollars in thousands): March 31, 2020 December 31, 2019 Not classified as impaired $ 591 $ 591 Classified as impaired 13,066 6,054 Total commercial loans classified substandard or worse $ 13,657 $ 6,645 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 table presents the recorded investment in consumer loans based on payment activity (dollars in thousands): March 31, 2020 Residential Mortgage Consumer Unsecured Home Equity Consumer Other Performing $ 198,484 $ 247 $ 71,454 $ 4,806 Nonperforming 101 — 8 — Total $ 198,585 $ 247 $ 71,462 $ 4,806 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

OTHER REAL ESTATE OWNED

OTHER REAL ESTATE OWNED	3 Months Ended
	Mar. 31, 2020
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): Three Months Ended March 31, 2020 Year Ended December 31, 2019 Three Months Ended March 31, 2019 Beginning balance $ 3,112 $ 4,183 $ 4,183 Additions, transfers from loans — — — Proceeds from sales of other real estate owned (91 ) (589 ) (154 ) Valuation allowance reversal upon sale — (453 ) (77 ) Gain / (loss) on sales of other real estate owned — (29 ) 45 3,021 3,112 3,997 Less: valuation allowance (395 ) (364 ) (736 ) Ending balance $ 2,626 $ 2,748 $ 3,261 Activity in the valuation allowance was as follows (dollars in thousands): Three Months Ended March 31, 2020 Three Months Ended March 31, 2019 Beginning balance $ 364 $ 803 Additions charged to expense 31 10 Reversals upon sale — (77 ) Ending balance $ 395 $ 736

FAIR VALUE

FAIR VALUE	3 Months Ended
	Mar. 31, 2020
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 Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Value (Level 1) (Level 2) (Level 3) March 31, 2020 Available for sale securities U.S. Treasury and federal agency securities $ 68,378 $ — $ 68,378 $ — U.S. Agency MBS and CMOs 64,673 — 64,673 — Tax-exempt state and municipal bonds 46,930 — 46,930 — Taxable state and municipal bonds 56,071 — 56,071 — Corporate bonds and other debt securities 7,316 — 7,316 — Other equity securities 1,495 — 1,495 — Loans held for sale 1,966 — 1,966 — Interest rate swaps 4,295 — — 4,295 Interest rate swaps (4,295 ) — — (4,295 ) 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 ) Assets measured at fair value on a non-recurring basis are summarized below (in thousands): Fair Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Value (Level 1) (Level 2) (Level 3) March 31, 2020 Impaired loans $ 11,617 $ — $ — $ 11,617 Other real estate owned 283 — — 283 December 31, 2019 Impaired loans $ 5,151 $ — $ — $ 5,151 Other real estate owned 405 — — 405 Quantitative information about Level 3 fair value measurements measured on a non-recurring basis was as follows at period end (dollars in thousands): Asset Fair Value Valuation Technique Unobservable Inputs Range (%) March 31, 2020 Impaired Loans $ 11,617 Sales comparison approach Adjustment for differences between comparable sales 1.0 to 20.0 Income approach Capitalization rate 9.5 to 11.0 Other real estate owned 283 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, 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 The carrying amounts and estimated fair values of financial instruments, not previously presented, were as follows at March 31, 2020 and December 31, 2019 (dollars in thousands): Level in March 31, 2020 December 31, 2019 Fair Value Hierarchy Carrying Amount Fair Value Carrying Amount Fair Value Financial assets Cash and due from banks Level 1 $ 25,861 $ 25,861 $ 31,942 $ 31,942 Cash equivalents Level 2 181,334 181,334 240,508 240,508 Securities held to maturity Level 3 82,514 84,866 82,720 85,128 FHLB stock 11,558 NA 11,558 NA Loans, net Level 2 1,364,835 1,411,726 1,363,276 1,395,446 Bank owned life insurance Level 3 42,411 42,411 42,156 42,156 Accrued interest receivable Level 2 5,356 5,356 4,866 4,866 Financial liabilities Deposits Level 2 (1,705,380 ) (1,706,313 ) (1,753,294 ) (1,753,877 ) Other borrowed funds Level 2 (70,000 ) (72,454 ) (60,000 ) (61,006 ) Long-term debt Level 2 (20,619 ) (18,204 ) (20,619 ) (18,167 ) Accrued interest payable Level 2 (475 ) (475 ) (518 ) (518 ) 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, or 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 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.

DEPOSITS

DEPOSITS	3 Months Ended
	Mar. 31, 2020
DEPOSITS [Abstract]
DEPOSITS	NOTE 6 – DEPOSITS Deposits are summarized as follows (dollars in thousands): March 31, 2020 December 31, 2019 Noninterest-bearing demand $ 492,409 $ 482,499 Interest bearing demand 430,541 479,341 Savings and money market accounts 637,573 639,329 Certificates of deposit 144,857 152,125 $ 1,705,380 $ 1,753,294 Time deposits that exceed the FDIC insurance limit of $250,000 were approximately $33.8 million at March 31, 2020 and $37.7 million at December 31, 2019.

OTHER BORROWED FUNDS

OTHER BORROWED FUNDS	3 Months Ended
	Mar. 31, 2020
OTHER BORROWED FUNDS [Abstract]
OTHER BORROWED FUNDS	NOTE 7 - 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 period-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 March 31, 2020 Single maturity fixed rate advances $ 40,000 April 2021 to July 2024 2.51 % Putable advances 30,000 November 2024 t0 February 2030 1.36 % $ 70,000 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 Each advance is subject to a prepayment fee if paid prior to its maturity date. Fixed rate advances are payable at maturity. These advances were collateralized by residential and commercial real estate loans totaling $492.4 million and $498.1 million under a blanket lien arrangement at March 31, 2020 and December 31, 2019, respectively. Scheduled repayments of FHLB advances as of March 31, 2020 were as follows (in thousands): 2020 $ — 2021 10,000 2022 — 2023 10,000 2024 40,000 Thereafter 10,000 $ 70,000 Federal Reserve Bank borrowings The Company has a financing arrangement with the Federal Reserve Bank. There were no borrowings outstanding at March 31, 2020 and December 31, 2019, and the Company had approximately $13.7 million and $13.0 million in unused borrowing capacity based on commercial and mortgage loans pledged to the Federal Reserve Bank totaling $16.1 million and $15.2 million at March 31, 2020 and December 31, 2019, respectively.

EARNINGS PER COMMON SHARE

EARNINGS PER COMMON SHARE	3 Months Ended
	Mar. 31, 2020
EARNINGS PER COMMON SHARE [Abstract]
EARNINGS PER COMMON SHARE	NOTE 8 - EARNINGS PER COMMON SHARE A reconciliation of the numerators and denominators of basic and diluted earnings per common share for the three month periods ended March 31, 2020 and 2019 are as follows (dollars in thousands, except per share data): Three Months Ended March 31, 2020 Three Months Ended March 31, 2019 Net income available to common shares $ 6,411 $ 7,646 Weighted average shares outstanding, including participating stock awards - Basic 34,106,719 34,040,380 Dilutive potential common shares: Stock options — — Weighted average shares outstanding - Diluted 34,106,719 34,040,380 Basic earnings per common share $ 0.19 $ 0.22 Diluted earnings per common share $ 0.19 $ 0.22 There were no antidilutive shares of common stock in the three month periods ended March 31, 2020 and 2019.

FEDERAL INCOME TAXES

FEDERAL INCOME TAXES	3 Months Ended
	Mar. 31, 2020
FEDERAL INCOME TAXES [Abstract]
FEDERAL INCOME TAXES	NOTE 9 - FEDERAL INCOME TAXES Income tax expense was as follows (dollars in thousands): Three Months Ended March 31, 2020 Three Months Ended March 31, 2019 Current $ 1,700 $ 1,469 Deferred (271 ) 245 $ 1,429 $ 1,714 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): Three Months Ended March 31, 2020 Three Months Ended March 31, 2019 Statutory rate 21 % 21 % Statutory rate applied to income before taxes $ 1,646 $ 1,966 Deduct Tax-exempt interest income (178 ) (167 ) Bank-owned life insurance (51 ) (50 ) Other, net 12 (35 ) $ 1,429 $ 1,714 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 March 31, 2020 and December 31, 2019, 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. 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): March 31, 2020 December 31, 2019 Deferred tax assets Allowance for loan losses $ 3,966 $ 3,612 Nonaccrual loan interest 161 182 Valuation allowance on other real estate owned 83 76 Unrealized loss on securities available for sale — — Other 271 248 Gross deferred tax assets 4,481 4,118 Valuation allowance (92 ) (92 ) Total net deferred tax assets 4,389 4,026 Deferred tax liabilities Depreciation (1,141 ) (1,053 ) Prepaid expenses (172 ) (172 ) Unrealized gain on securities available for sale (1,028 ) (406 ) Other (320 ) (317 ) Gross deferred tax liabilities (2,661 ) (1,948 ) Net deferred tax asset $ 1,728 $ 2,078 There were no unrecognized tax benefits at March 31, 2020 or December 31, 2019 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 2016.

COMMITMENTS AND OFF BALANCE-SHE

COMMITMENTS AND OFF BALANCE-SHEET RISK	3 Months Ended
	Mar. 31, 2020
COMMITMENTS AND OFF BALANCE-SHEET RISK [Abstract]
COMMITMENTS AND OFF BALANCE-SHEET RISK	NOTE 10 – 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. 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. 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. A summary of the contractual amounts of financial instruments with off‑balance‑sheet risk was as follows at period-end (dollars in thousands): March 31, 2020 December 31, 2019 Commitments to make loans $ 84,028 $ 65,648 Letters of credit 15,226 15,303 Unused lines of credit 492,793 502,200 The notional amount of commitments to fund mortgage loans to be sold into the secondary market was approximately $32.9 million and $11.0 million at March 31, 2020 and December 31, 2019, respectively. At March 31, 2020, approximately 43.4% 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 prime or one month LIBOR and generally expire within 30 days. The majority of the unused lines of credit were at variable rates tied to prime.

CONTINGENCIES

CONTINGENCIES	3 Months Ended
	Mar. 31, 2020
CONTINGENCIES [Abstract]
CONTINGENCIES	NOTE 11 – CONTINGENCIES The Company and its subsidiaries periodically become defendants in certain claims and legal actions arising in the ordinary course of business. As of March 31, 2020, there were no material pending legal proceedings to which the Company or any of its subsidiaries are a party or which any of its properties are the subject.

SHAREHOLDERS' EQUITY

SHAREHOLDERS' EQUITY	3 Months Ended
	Mar. 31, 2020
SHAREHOLDERS' EQUITY [Abstract]
SHAREHOLDERS' EQUITY	NOTE 12 – 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%. At March 31, 2020 and December 31, 2019, actual capital levels and minimum required levels were (dollars in thousands): Minimum Capital Minimum Capital Adequacy With To Be Well Capitalized Under Prompt Corrective Actual Adequacy Capital Buffer Action Regulations Amount Ratio Amount Ratio Amount Ratio Amount Ratio March 31, 2020 CET1 capital (to risk weighted assets) Consolidated $ 219,714 13.4 % $ 73,610 4.5 % $ 114,504 7.0 % N/A N/A Bank 232,775 14.2 73,604 4.5 114,496 7.0 $ 106,318 6.5 % Tier 1 capital (to risk weighted assets) Consolidated 239,714 14.7 98,146 6.0 139,041 8.5 N/A N/A Bank 232,775 14.2 98,139 6.0 139,031 8.5 130,852 8.0 Total capital (to risk weighted assets) Consolidated 258,603 15.8 130,862 8.0 171,756 10.5 N/A N/A Bank 251,664 15.4 130,852 8.0 171,744 10.5 163,565 10.0 Tier 1 capital (to average assets) Consolidated 239,714 11.9 80,568 4.0 N/A N/A N/A N/A Bank 232,775 11.6 80,537 4.0 N/A N/A 100,671 5.0 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 Approximately $20.0 million of trust preferred securities outstanding at March 31, 2020 and December 31, 2019, respectively, qualified as Tier 1 capital. Refer to our 2019 Form 10-K for more information on the trust preferred securities. The Bank was categorized as "well capitalized" at March 31, 2020 and December 31, 2019.

SUMMARY OF SIGNIFICANT ACCOUN_2

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	3 Months Ended
	Mar. 31, 2020
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Principles of Consolidation	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 stock of Macatawa Statutory Trust I and Macatawa Statutory Trust II. These are grantor trusts that issued trust preferred securities and are not consolidated with the Company under accounting principles generally accepted in the United States of America.
Recent Events	Recent Events: We quickly responded to the changing environment by executing our business continuity plan and purchasing and deploying additional equipment to allow for a majority of our workforce to work remotely. Our branch facilities remain open, but lobbies have been closed with transactions being conducted through drive-up windows or on-line channels. We have implemented rotations for onsite personnel, implemented enhanced daily cleaning of facilities and instructed personnel to maintain appropriate social distancing in our offices. On March 22, 2020, the federal banking agencies issued an “Interagency Statement on Loan Modifications and Reporting for Financial Institutions Working with Customers Affected by the Coronavirus” The CARES Act included an allocation of $349 billion for loans to be issued by financial institutions through the Small Business Administration (“SBA”). This program is known as the Paycheck Protection Program (“PPP”). PPP loans are forgivable, in whole or in part, if the proceeds are used for payroll and other permitted purposes in accordance with the requirements of the PPP. These loans carry a fixed rate of 1.00% and a term of two years, if not forgiven, in whole or in part. Payments are deferred for the first six months of the loan. The loans are 100% guaranteed by the SBA. The SBA pays the originating bank a processing fee ranging from 1% to 5%, based on the size of the loan. The SBA began accepting submissions for these PPP loans on Friday, April 3, 2020. In the first weekend, we originated over $100 million of these PPP loans and through April 16, 2020, the date the SBA reached the limit of funds available to disburse under this program, we had received SBA authorizations for PPP loans totaling $311.6 million. Participation in the PPP will likely have a significant impact on our asset mix and net interest margin for the remainder of 2020. At March 31, 2020, we had $181.3 million in federal funds sold and $359.4 million of available borrowing capacity from our correspondent banks. In addition, the Federal Reserve has implemented a liquidity facility available to financial institutions participating in the PPP. As such, the Bank believes it has sufficient liquidity sources to fund all pending PPP loans and to continue to provide this important service to local businesses if additional funds are appropriated for the PPP.
Basis of Presentation	Basis of Presentation Operating results for the three month period ended March 31, 2020 are not necessarily indicative of the results that may be expected for the year ending December 31, 2020. For further information, refer to the consolidated financial statements and related notes included in the Company's Annual Report on Form 10-K for the year ended December 31, 2019.
Use of Estimates	Use of Estimates
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 factors. The Company maintains a loss migration analysis that tracks loan losses and recoveries based on loan class and the loan risk grade assignment for commercial loans. At March 31, 2020, an 18 month annualized historical loss experience was used for commercial loans and a 12 month historical loss experience period was applied to residential mortgage loans and consumer loans. These historical loss percentages are adjusted (both upwards and downwards) for certain qualitative factors, including economic trends, credit quality trends, valuation trends, concentration risk, quality of loan review, changes in personnel, 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 a concession has been made, 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 and the loan is reported 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 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.
Foreclosed Assets	Foreclosed Assets
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 penalties related to income tax matters in income tax expense.
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
Reclassifications	Reclassifications
Newly Issued Not Yet Effective Standards	Newly Issued Not Yet Effective Standards Financial Instruments—Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments ASU No. 2019-10 Financial Instruments – Credit Losses (Topic 326), Derivatives and Hedging (Topic 815), and Leases (Topic 842) – Effective Dates On March 12, 2020, the Securities Exchange Commission finalized amendments to the definitions of “accelerated” and “large accelerated filer” definitions. The amendments increase the threshold criteria for meeting these categories and are effective on April 27, 2020. Prior to these changes, the Company was designated as an “accelerated” filer as it had more than $75 million in public float but less than $700 million at the end of the Company’s most recent second quarter. The rule change expands the definition of “smaller reporting companies” to include entities with public float of less than $700 million and less than $100 million in annual revenues. The Company expects to meet this expanded category of small reporting company and will no longer be considered an accelerated filer. If the Company’s annual revenues exceed $100 million, its category will change back to “accelerated filer”. The categorization of “accelerated” or “large accelerated filer” drives the requirement for a public company to obtain an auditor attestation of its internal control over financial reporting. Smaller reporting companies also have additional time to file quarterly and annual financial statements. All public companies are required to obtain and file annual financial statement audits, as well as provide management’s assertion on effectiveness of internal control over financial reporting, but the external auditor attestation of internal control over financial reporting is not required if not an accelerated or large accelerated filer. As the Bank has total assets exceeding $1.0 billion, it remains subject to FDICIA, which requires an auditor attestation of internal controls over the Bank’s regulatory financial reporting. As such, other than the additional time provided to file quarterly and annual financial statements, this change does not significantly change the Company’s annual reporting and audit requirements.

SECURITIES (Tables)

SECURITIES (Tables)	3 Months Ended
	Mar. 31, 2020
SECURITIES [Abstract]
Amortized Cost and Fair Value of Securities	The amortized cost and fair value of securities at period-end were as follows (dollars in thousands): Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value March 31, 2020 Available for Sale U.S. Treasury and federal agency securities $ 67,794 $ 584 $ — $ 68,378 U.S. Agency MBS and CMOs 62,555 2,118 — 64,673 Tax-exempt state and municipal bonds 45,820 1,123 (13 ) 46,930 Taxable state and municipal bonds 55,015 1,102 (46 ) 56,071 Corporate bonds and other debt securities 7,290 41 (15 ) 7,316 $ 238,474 $ 4,968 $ (74 ) $ 243,368 Held to Maturity Tax-exempt state and municipal bonds $ 82,514 $ 2,352 $ — $ 84,866 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
Contractual Maturities of Debt Securities	Contractual maturities of debt securities at March 31, 2020 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 $ 18,583 $ 18,669 $ 30,761 $ 30,926 Due from one to five years 31,133 31,895 84,398 85,879 Due from five to ten years 14,173 14,869 60,823 62,003 Due after ten years 18,625 19,433 62,492 64,560 $ 82,514 $ 84,866 $ 238,474 $ 243,368
Securities in Continuous Unrealized Loss Position	Securities with unrealized losses at March 31, 2020 and December 31, 2019, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, were as follows (dollars in thousands): Less than 12 Months 12 Months or More Total March 31, 2020 Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Available for Sale U.S. Treasury and federal agency securities $ — $ — $ — $ — $ — $ — U.S. Agency MBS and CMOs — — — — — — Tax-exempt state and municipal bonds 503 (3 ) — — 503 (3 ) Taxable state and municipal bonds 5,053 (56 ) — — 5,053 (56 ) Corporate bonds and other debt securities 2,980 (14 ) 351 (1 ) 3,331 (15 ) Total $ 8,536 $ (73 ) $ 351 $ (1 ) $ 8,887 $ (74 ) Held to Maturity Tax-exempt state and municipal bonds $ — $ — $ — $ — $ — $ — 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 temporarily impaired $ 43,946 $ (210 ) $ 32,055 $ (111 ) $ 76,001 $ (321 ) Held to Maturity Tax-exempt state and municipal bonds $ — $ — $ — $ — $ — $ —

LOANS (Tables)

LOANS (Tables)	3 Months Ended
	Mar. 31, 2020
LOANS [Abstract]
Portfolio Loans	Portfolio loans were as follows (dollars in thousands): March 31, 2020 December 31, 2019 Commercial and industrial $ 527,590 $ 499,572 Commercial real estate: Residential developed 12,795 14,705 Unsecured to residential developers 5,000 — Vacant and unimproved 42,761 41,796 Commercial development 623 665 Residential improved 131,954 130,861 Commercial improved 284,565 292,799 Manufacturing and industrial 114,953 117,632 Total commercial real estate 592,651 598,458 Consumer Residential mortgage 198,585 211,049 Unsecured 247 274 Home equity 71,462 70,936 Other secured 4,806 5,338 Total consumer 275,100 287,597 Total loans 1,395,341 1,385,627 Allowance for loan losses (18,889 ) (17,200 ) $ 1,376,452 $ 1,368,427
Activity in Allowance for Loan Losses by Portfolio Segment	Activity in the allowance for loan losses by portfolio segment was as follows (dollars in thousands): Three months ended March 31, 2020 Commercial and Industrial Commercial Real Estate Consumer Unallocated Total Beginning balance $ 7,658 $ 6,521 $ 3,009 $ 12 $ 17,200 Charge-offs — — (39 ) — (39 ) Recoveries 19 974 35 — 1,028 Provision for loan losses 1,130 (582 ) 125 27 700 Ending Balance $ 8,807 $ 6,913 $ 3,130 $ 39 $ 18,889 Three months ended March 31, 2019 Commercial and Industrial Commercial Real Estate Consumer Unallocated Total Beginning balance $ 6,856 $ 6,544 $ 3,449 $ 27 $ 16,876 Charge-offs — (132 ) (25 ) — (157 ) Recoveries 136 224 63 — 423 Provision for loan losses (3 ) (189 ) (61 ) 3 (250 ) Ending Balance $ 6,989 $ 6,447 $ 3,426 $ 30 $ 16,892
Allowance for Loan Losses and Recorded Investment in Loans by Portfolio Segment Based on Impairment Method	The following table presents 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): March 31, 2020 Commercial and Industrial Commercial Real Estate Consumer Unallocated Total Allowance for loan losses: Ending allowance attributable to loans: Individually reviewed for impairment $ 1,720 $ 36 $ 359 $ — $ 2,115 Collectively evaluated for impairment 7,087 6,877 2,771 39 16,774 Total ending allowance balance $ 8,807 $ 6,913 $ 3,130 $ 39 $ 18,889 Loans: Individually reviewed for impairment $ 7,164 $ 8,356 $ 4,820 $ — $ 20,340 Collectively evaluated for impairment 520,426 584,295 270,280 — 1,375,001 Total ending loans balance $ 527,590 $ 592,651 $ 275,100 $ — $ 1,395,341 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
Loans Individually Evaluated for Impairment by Class of Loans	The following table presents loans individually evaluated for impairment by class of loans as of March 31, 2020 (dollars in thousands): March 31, 2020 Unpaid Principal Balance Recorded Investment Allowance Allocated With no related allowance recorded: Commercial and industrial $ 168 $ 168 $ — Commercial real estate: Residential developed — — — Unsecured to residential developers — — — Vacant and unimproved — — — Commercial development — — — Residential improved 200 200 — Commercial improved 7,157 7,157 — Manufacturing and industrial — — — 7,357 7,357 — Consumer: Residential mortgage — — — Unsecured — — — Home equity — — — Other secured — — — — — — Total with no related allowance recorded $ 7,525 $ 7,525 $ — With an allowance recorded: Commercial and industrial $ 6,996 $ 6,996 $ 1,720 Commercial real estate: Residential developed 73 73 3 Unsecured to residential developers — — — Vacant and unimproved — — — Commercial development — — — Residential improved — — — Commercial improved 571 571 19 Manufacturing and industrial 355 355 14 999 999 36 Consumer: Residential mortgage 4,116 4,116 307 Unsecured 179 179 13 Home equity 499 499 37 Other secured 26 26 2 4,820 4,820 359 Total with an allowance recorded $ 12,815 $ 12,815 $ 2,115 Total $ 20,340 $ 20,340 $ 2,115 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
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 three month periods ended March 31, 2020 and 2019 (dollars in thousands): Three Months Ended March 31, 2020 Three Months Ended March 31, 2019 Average of impaired loans during the period: Commercial and industrial $ 6,615 $ 6,825 Commercial real estate: Residential developed 74 172 Unsecured to residential developers — — Vacant and unimproved — 138 Commercial development — — Residential improved 267 308 Commercial improved 5,822 2,340 Manufacturing and industrial 356 379 Consumer 4,914 6,197 Interest income recognized during impairment: Commercial and industrial 273 288 Commercial real estate 99 44 Consumer 57 75 Cash-basis interest income recognized Commercial and industrial 275 282 Commercial real estate 128 49 Consumer 60 76
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 March 31, 2020 and 2019: March 31, 2020 Nonaccrual Over 90 days Accruing Commercial and industrial $ 1,211 $ — Commercial real estate: Residential developed — — Unsecured to residential developers — — Vacant and unimproved — — Commercial development — — Residential improved 97 — Commercial improved 5,811 — Manufacturing and industrial — — 5,908 — Consumer: Residential mortgage 103 — Unsecured — — Home equity 8 — Other secured — — 111 — Total $ 7,230 $ — 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 $ —
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 March 31, 2020 and December 31, 2019 by class of loans (dollars in thousands): March 31, 2020 30-90 Days Greater Than 90 Days Total Past Due Loans Not Past Due Total Commercial and industrial $ 98 — $ 98 $ 527,492 $ 527,590 Commercial real estate: Residential developed — — — 12,795 12,795 Unsecured to residential developers — — — 5,000 5,000 Vacant and unimproved — — — 42,761 42,761 Commercial development — — — 623 623 Residential improved 82 15 97 131,857 131,954 Commercial improved — — — 284,565 284,565 Manufacturing and industrial — — — 114,953 114,953 82 15 97 592,554 592,651 Consumer: Residential mortgage 191 101 292 198,293 198,585 Unsecured 3 — 3 244 247 Home equity 15 8 23 71,439 71,462 Other secured — — — 4,806 4,806 209 109 318 274,782 275,100 Total $ 389 $ 124 $ 513 $ 1,394,828 $ 1,395,341 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
Troubled Debt Restructurings	The following table presents information regarding troubled debt restructurings as of March 31, 2020 and December 31, 2019 (dollars in thousands): March 31, 2020 December 31, 2019 Number of Loans Outstanding Recorded Balance Number of Loans Outstanding Recorded Balance Commercial and industrial 8 $ 5,952 7 $ 5,797 Commercial real estate 14 2,545 15 2,770 Consumer 65 4,820 69 5,140 87 $ 13,317 91 $ 13,707 The following table presents information related to accruing troubled debt restructurings as of March 31, 2020 and December 31, 2019. The table presents the amount of accruing troubled debt restructurings 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 each period reported (dollars in thousands): March 31, 2020 December 31, 2019 Accruing TDR - nonaccrual at restructuring $ — $ — Accruing TDR - accruing at restructuring 7,722 8,295 Accruing TDR - upgraded to accruing after six consecutive payments 5,490 5,314 $ 13,212 $ 13,609 The following tables present information regarding troubled debt restructurings executed during the three month periods ended March 31, 2020 and 2019 (dollars in thousands): Three Months Ended March 31, 2020 Three Months Ended March 31, 2019 # of Loans Pre-TDR Balance Writedown Upon TDR # of Loans Pre-TDR Balance Writedown Upon TDR Commercial and industrial — $ — $ — — $ — $ — Commercial real estate — — — — — — Consumer 1 3 — — — — $ 1 $ 3 $ — $ — $ — $ —
Risk Grade Category of Loans by Class of Loans	As of March 31, 2020 and December 31, 2019, the risk grade category of commercial loans by class of loans were as follows (dollars in thousands): March 31, 2020 1 2 3 4 5 6 7 8 Total Commercial and industrial $ 15,000 $ 31,871 $ 143,651 $ 312,993 $ 16,677 $ 6,187 $ 1,211 $ — $ 527,590 Commercial real estate: Residential developed — — 252 12,543 — — — — 12,795 Unsecured to residential developers — — — 5,000 — — — — 5,000 Vacant and unimproved — 9,173 3,721 28,230 1,637 — — — 42,761 Commercial development — — 78 545 — — — — 623 Residential improved — — 19,822 111,524 511 — 97 — 131,954 Commercial improved — 7,300 63,132 203,377 4,594 350 5,812 — 284,565 Manufacturing & industrial — 2,418 34,812 74,458 3,265 — — — 114,953 $ 15,000 $ 50,762 $ 265,468 $ 748,670 $ 26,684 $ 6,537 $ 7,120 $ — $ 1,120,241 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
Commercial Loans Classified as Substandard or Worse	Commercial loans classified as substandard or worse were as follows at period-end (dollars in thousands): March 31, 2020 December 31, 2019 Not classified as impaired $ 591 $ 591 Classified as impaired 13,066 6,054 Total commercial loans classified substandard or worse $ 13,657 $ 6,645
Recorded Investment in Consumer Loans Based on Payment Activity	The following table presents the recorded investment in consumer loans based on payment activity (dollars in thousands): March 31, 2020 Residential Mortgage Consumer Unsecured Home Equity Consumer Other Performing $ 198,484 $ 247 $ 71,454 $ 4,806 Nonperforming 101 — 8 — Total $ 198,585 $ 247 $ 71,462 $ 4,806 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

OTHER REAL ESTATE OWNED (Tables

OTHER REAL ESTATE OWNED (Tables)	3 Months Ended
	Mar. 31, 2020
OTHER REAL ESTATE OWNED [Abstract]
Period-End Other Real Estate Owned	Other real estate owned was as follows (dollars in thousands): Three Months Ended March 31, 2020 Year Ended December 31, 2019 Three Months Ended March 31, 2019 Beginning balance $ 3,112 $ 4,183 $ 4,183 Additions, transfers from loans — — — Proceeds from sales of other real estate owned (91 ) (589 ) (154 ) Valuation allowance reversal upon sale — (453 ) (77 ) Gain / (loss) on sales of other real estate owned — (29 ) 45 3,021 3,112 3,997 Less: valuation allowance (395 ) (364 ) (736 ) Ending balance $ 2,626 $ 2,748 $ 3,261
Activity in Valuation Allowance	Activity in the valuation allowance was as follows (dollars in thousands): Three Months Ended March 31, 2020 Three Months Ended March 31, 2019 Beginning balance $ 364 $ 803 Additions charged to expense 31 10 Reversals upon sale — (77 ) Ending balance $ 395 $ 736

FAIR VALUE (Tables)

FAIR VALUE (Tables)	3 Months Ended
	Mar. 31, 2020
FAIR VALUE [Abstract]
Assets Measured at Fair Value on Recurring Basis	Assets measured at fair value on a recurring basis are summarized below (in thousands): Fair Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Value (Level 1) (Level 2) (Level 3) March 31, 2020 Available for sale securities U.S. Treasury and federal agency securities $ 68,378 $ — $ 68,378 $ — U.S. Agency MBS and CMOs 64,673 — 64,673 — Tax-exempt state and municipal bonds 46,930 — 46,930 — Taxable state and municipal bonds 56,071 — 56,071 — Corporate bonds and other debt securities 7,316 — 7,316 — Other equity securities 1,495 — 1,495 — Loans held for sale 1,966 — 1,966 — Interest rate swaps 4,295 — — 4,295 Interest rate swaps (4,295 ) — — (4,295 ) 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 )
Assets Measured at Fair Value on Non-Recurring Basis	Assets measured at fair value on a non-recurring basis are summarized below (in thousands): Fair Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Value (Level 1) (Level 2) (Level 3) March 31, 2020 Impaired loans $ 11,617 $ — $ — $ 11,617 Other real estate owned 283 — — 283 December 31, 2019 Impaired loans $ 5,151 $ — $ — $ 5,151 Other real estate owned 405 — — 405
Quantitative Information about Level 3 Fair Value Measurements Measured on Non-Recurring Basis	Quantitative information about Level 3 fair value measurements measured on a non-recurring basis was as follows at period end (dollars in thousands): Asset Fair Value Valuation Technique Unobservable Inputs Range (%) March 31, 2020 Impaired Loans $ 11,617 Sales comparison approach Adjustment for differences between comparable sales 1.0 to 20.0 Income approach Capitalization rate 9.5 to 11.0 Other real estate owned 283 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, 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
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 March 31, 2020 and December 31, 2019 (dollars in thousands): Level in March 31, 2020 December 31, 2019 Fair Value Hierarchy Carrying Amount Fair Value Carrying Amount Fair Value Financial assets Cash and due from banks Level 1 $ 25,861 $ 25,861 $ 31,942 $ 31,942 Cash equivalents Level 2 181,334 181,334 240,508 240,508 Securities held to maturity Level 3 82,514 84,866 82,720 85,128 FHLB stock 11,558 NA 11,558 NA Loans, net Level 2 1,364,835 1,411,726 1,363,276 1,395,446 Bank owned life insurance Level 3 42,411 42,411 42,156 42,156 Accrued interest receivable Level 2 5,356 5,356 4,866 4,866 Financial liabilities Deposits Level 2 (1,705,380 ) (1,706,313 ) (1,753,294 ) (1,753,877 ) Other borrowed funds Level 2 (70,000 ) (72,454 ) (60,000 ) (61,006 ) Long-term debt Level 2 (20,619 ) (18,204 ) (20,619 ) (18,167 ) Accrued interest payable Level 2 (475 ) (475 ) (518 ) (518 ) Off-balance sheet credit-related items Loan commitments — — — —

DEPOSITS (Tables)

DEPOSITS (Tables)	3 Months Ended
	Mar. 31, 2020
DEPOSITS [Abstract]
Deposits Liabilities	Deposits are summarized as follows (dollars in thousands): March 31, 2020 December 31, 2019 Noninterest-bearing demand $ 492,409 $ 482,499 Interest bearing demand 430,541 479,341 Savings and money market accounts 637,573 639,329 Certificates of deposit 144,857 152,125 $ 1,705,380 $ 1,753,294

OTHER BORROWED FUNDS (Tables)

OTHER BORROWED FUNDS (Tables)	3 Months Ended
	Mar. 31, 2020
OTHER BORROWED FUNDS [Abstract]
Advances from Federal Home Loan Bank	At period-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 March 31, 2020 Single maturity fixed rate advances $ 40,000 April 2021 to July 2024 2.51 % Putable advances 30,000 November 2024 t0 February 2030 1.36 % $ 70,000 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
Repayments of FHLB Advances	Scheduled repayments of FHLB advances as of March 31, 2020 were as follows (in thousands): 2020 $ — 2021 10,000 2022 — 2023 10,000 2024 40,000 Thereafter 10,000 $ 70,000

EARNINGS PER COMMON SHARE (Tabl

EARNINGS PER COMMON SHARE (Tables)	3 Months Ended
	Mar. 31, 2020
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 for the three month periods ended March 31, 2020 and 2019 are as follows (dollars in thousands, except per share data): Three Months Ended March 31, 2020 Three Months Ended March 31, 2019 Net income available to common shares $ 6,411 $ 7,646 Weighted average shares outstanding, including participating stock awards - Basic 34,106,719 34,040,380 Dilutive potential common shares: Stock options — — Weighted average shares outstanding - Diluted 34,106,719 34,040,380 Basic earnings per common share $ 0.19 $ 0.22 Diluted earnings per common share $ 0.19 $ 0.22

FEDERAL INCOME TAXES (Tables)

FEDERAL INCOME TAXES (Tables)	3 Months Ended
	Mar. 31, 2020
FEDERAL INCOME TAXES [Abstract]
Income Tax Expense	Income tax expense was as follows (dollars in thousands): Three Months Ended March 31, 2020 Three Months Ended March 31, 2019 Current $ 1,700 $ 1,469 Deferred (271 ) 245 $ 1,429 $ 1,714
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): Three Months Ended March 31, 2020 Three Months Ended March 31, 2019 Statutory rate 21 % 21 % Statutory rate applied to income before taxes $ 1,646 $ 1,966 Deduct Tax-exempt interest income (178 ) (167 ) Bank-owned life insurance (51 ) (50 ) Other, net 12 (35 ) $ 1,429 $ 1,714
Deferred Tax Assets and Liabilities	The net deferred tax asset recorded included the following amounts of deferred tax assets and liabilities (dollars in thousands): March 31, 2020 December 31, 2019 Deferred tax assets Allowance for loan losses $ 3,966 $ 3,612 Nonaccrual loan interest 161 182 Valuation allowance on other real estate owned 83 76 Unrealized loss on securities available for sale — — Other 271 248 Gross deferred tax assets 4,481 4,118 Valuation allowance (92 ) (92 ) Total net deferred tax assets 4,389 4,026 Deferred tax liabilities Depreciation (1,141 ) (1,053 ) Prepaid expenses (172 ) (172 ) Unrealized gain on securities available for sale (1,028 ) (406 ) Other (320 ) (317 ) Gross deferred tax liabilities (2,661 ) (1,948 ) Net deferred tax asset $ 1,728 $ 2,078

COMMITMENTS AND OFF BALANCE-S_2

COMMITMENTS AND OFF BALANCE-SHEET RISK (Tables)	3 Months Ended
	Mar. 31, 2020
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 period-end (dollars in thousands): March 31, 2020 December 31, 2019 Commitments to make loans $ 84,028 $ 65,648 Letters of credit 15,226 15,303 Unused lines of credit 492,793 502,200

SHAREHOLDERS' EQUITY (Tables)

SHAREHOLDERS' EQUITY (Tables)	3 Months Ended
	Mar. 31, 2020
SHAREHOLDERS' EQUITY [Abstract]
Actual Capital Levels and Minimum Required Levels	At March 31, 2020 and December 31, 2019, actual capital levels and minimum required levels were (dollars in thousands): Minimum Capital Minimum Capital Adequacy With To Be Well Capitalized Under Prompt Corrective Actual Adequacy Capital Buffer Action Regulations Amount Ratio Amount Ratio Amount Ratio Amount Ratio March 31, 2020 CET1 capital (to risk weighted assets) Consolidated $ 219,714 13.4 % $ 73,610 4.5 % $ 114,504 7.0 % N/A N/A Bank 232,775 14.2 73,604 4.5 114,496 7.0 $ 106,318 6.5 % Tier 1 capital (to risk weighted assets) Consolidated 239,714 14.7 98,146 6.0 139,041 8.5 N/A N/A Bank 232,775 14.2 98,139 6.0 139,031 8.5 130,852 8.0 Total capital (to risk weighted assets) Consolidated 258,603 15.8 130,862 8.0 171,756 10.5 N/A N/A Bank 251,664 15.4 130,852 8.0 171,744 10.5 163,565 10.0 Tier 1 capital (to average assets) Consolidated 239,714 11.9 80,568 4.0 N/A N/A N/A N/A Bank 232,775 11.6 80,537 4.0 N/A N/A 100,671 5.0 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

SUMMARY OF SIGNIFICANT ACCOUN_3

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details) $ in Millions	Apr. 05, 2020USD ($)	Mar. 03, 2020	Mar. 15, 2019	Mar. 31, 2020USD ($)BranchLoan	Apr. 16, 2020USD ($)
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Number of full service branch offices | Branch				26
Recent Events [Abstract]
Reduction in overnight federal funds rate		50	100
Number of loan modifications made by other than troubled debt restructurings | Loan				179
Loan modifications made by other than troubled debt restructurings, aggregate principal balances				$ 88
Extension term of interest-only period				3 months
Federal funds sold				$ 181.3
Available borrowing capacity from correspondent banks				$ 359.4
Interest-Only Modifications [Member]
Recent Events [Abstract]
Number of loan modifications made by other than troubled debt restructurings | Loan				179
Loan modifications made by other than troubled debt restructurings, aggregate principal balances				$ 88
PPP Loans [Member] | Subsequent Event [Member]
Recent Events [Abstract]
Loans originated	$ 100
Amount of SBA loan authorization received					$ 311.6

SUMMARY OF SIGNIFICANT ACCOUN_4

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES, Allowance for Loan Losses (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2020USD ($)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
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
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 ACCOUN_5

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES, Derivatives (Details) - Swap [Member] - Interest Rate Swap [Member] $ in Millions	Mar. 31, 2020USD ($)InterestRateSwap	Dec. 31, 2019USD ($)
Derivatives [Abstract]
Number of freestanding interest rate swaps | InterestRateSwap	2
Notional amount of agreements	$ 75.9	$ 70.3
Derivative asset fair value	4.3	1.8
Derivative liability fair value	$ 4.3	$ 1.8

SECURITIES, Available-for-sale

SECURITIES, Available-for-sale Securities (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Available for Sale, Debt Securities [Abstract]
Amortized cost	$ 238,474	$ 223,298
Gross unrealized gains	4,968	2,272
Gross unrealized losses	(74)	(321)
Fair value	243,368	225,249
U.S. Treasury and Federal Agency Securities [Member]
Available for Sale, Debt Securities [Abstract]
Amortized cost	67,794	74,839
Gross unrealized gains	584	95
Gross unrealized losses	0	(185)
Fair value	68,378	74,749
U.S. Agency MBS and CMOs [Member]
Available for Sale, Debt Securities [Abstract]
Amortized cost	62,555	45,795
Gross unrealized gains	2,118	474
Gross unrealized losses	0	(68)
Fair value	64,673	46,201
Tax-Exempt State and Municipal Bonds [Member]
Available for Sale, Debt Securities [Abstract]
Amortized cost	45,820	44,718
Gross unrealized gains	1,123	1,244
Gross unrealized losses	(13)	0
Fair value	46,930	45,962
Taxable State and Municipal Bonds [Member]
Available for Sale, Debt Securities [Abstract]
Amortized cost	55,015	51,683
Gross unrealized gains	1,102	404
Gross unrealized losses	(46)	(65)
Fair value	56,071	52,022
Corporate Bonds and Other Debt Securities [Member]
Available for Sale, Debt Securities [Abstract]
Amortized cost	7,290	6,263
Gross unrealized gains	41	55
Gross unrealized losses	(15)	(3)
Fair value	$ 7,316	$ 6,315

SECURITIES, Held-to-maturity Se

SECURITIES, Held-to-maturity Securities (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Held to Maturity [Abstract]
Amortized cost	$ 82,514	$ 82,720
Fair value	84,866	85,128
Tax-Exempt State and Municipal Bonds [Member]
Held to Maturity [Abstract]
Amortized cost	82,514	82,720
Gross unrealized gains	2,352	2,408
Gross unrealized losses	0	0
Fair value	$ 84,866	$ 85,128

SECURITIES, Sales of Securities

SECURITIES, Sales of Securities (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
SECURITIES [Abstract]
Gain on sale of securities	$ 0	$ 0

SECURITIES, Contractual Maturit

SECURITIES, Contractual Maturities of Debt Securities (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Held-to-Maturity Securities, Amortized Cost [Abstract]
Due in one year or less	$ 18,583
Due from one to five years	31,133
Due from five to ten years	14,173
Due after ten years	18,625
Amortized cost	82,514	$ 82,720
Held-to-Maturity Securities, Fair Value [Abstract]
Due in one year or less	18,669
Due from one to five years	31,895
Due from five to ten years	14,869
Due after ten years	19,433
Fair value	84,866	85,128
Available-for-Sale Securities, Amortized Cost [Abstract]
Due in one year or less	30,761
Due from one to five years	84,398
Due from five to ten years	60,823
Due after ten years	62,492
Amortized cost	238,474	223,298
Available-for-Sale Securities, Fair Value [Abstract]
Due in one year or less	30,926
Due from one to five years	85,879
Due from five to ten years	62,003
Due after ten years	64,560
Fair value	$ 243,368	$ 225,249

SECURITIES, Available for Sale

SECURITIES, Available for Sale - Continuous Unrealized Loss Position (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Securities in continuous unrealized losses position, fair value [Abstract]
Less than 12 months	$ 8,536	$ 43,946
12 months or more	351	32,055
Total	8,887	76,001
Securities in continuous unrealized loss position, unrealized losses [Abstract]
Less than 12 months	(73)	(210)
12 months or more	(1)	(111)
Total	(74)	(321)
U.S. Treasury and Federal Agency Securities [Member]
Securities in continuous unrealized losses position, fair value [Abstract]
Less than 12 months	0	15,009
12 months or more	0	27,026
Total	0	42,035
Securities in continuous unrealized loss position, unrealized losses [Abstract]
Less than 12 months	0	(97)
12 months or more	0	(87)
Total	0	(184)
U.S. Agency MBS and CMOs [Member]
Securities in continuous unrealized losses position, fair value [Abstract]
Less than 12 months	0	19,117
12 months or more	0	1,196
Total	0	20,313
Securities in continuous unrealized loss position, unrealized losses [Abstract]
Less than 12 months	0	(56)
12 months or more	0	(12)
Total	0	(68)
Tax-Exempt State and Municipal Bonds [Member]
Securities in continuous unrealized losses position, fair value [Abstract]
Less than 12 months	503	319
12 months or more	0	0
Total	503	319
Securities in continuous unrealized loss position, unrealized losses [Abstract]
Less than 12 months	(3)	0
12 months or more	0	0
Total	(3)	0
Taxable State and Municipal Bonds [Member]
Securities in continuous unrealized losses position, fair value [Abstract]
Less than 12 months	5,053	8,569
12 months or more	0	2,981
Total	5,053	11,550
Securities in continuous unrealized loss position, unrealized losses [Abstract]
Less than 12 months	(56)	(57)
12 months or more	0	(9)
Total	(56)	(66)
Corporate Bonds and Other Debt Securities [Member]
Securities in continuous unrealized losses position, fair value [Abstract]
Less than 12 months	2,980	932
12 months or more	351	852
Total	3,331	1,784
Securities in continuous unrealized loss position, unrealized losses [Abstract]
Less than 12 months	(14)	0
12 months or more	(1)	(3)
Total	$ (15)	$ (3)

SECURITIES, Held to Maturity -

SECURITIES, Held to Maturity - Continuous Unrealized Loss Position (Details) - Tax-Exempt State and Municipal Bonds [Member] - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Securities in continuous unrealized losses position, fair value [Abstract]
Less than 12 months	$ 0	$ 0
12 months or more	0	0
Total	0	0
Securities in continuous unrealized loss position, unrealized loss [Abstract]
Less than 12 months	0	0
12 months or more	0	0
Total	$ 0	$ 0

SECURITIES, Other-Than-Temporar

SECURITIES, Other-Than-Temporary-Impairment (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2020USD ($)Security	Mar. 31, 2019USD ($)	Dec. 31, 2019USD ($)
SECURITIES [Abstract]
Number of securities available for sale with unrealized losses | Security	17
Total fair value of securities available for sale with unrealized losses	$ 8,887		$ 76,001
Total unrealized losses of securities available for sale with unrealized losses	$ (74)		(321)
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	$ 5,100		$ 3,000

LOANS (Details)

LOANS (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019	Mar. 31, 2019	Dec. 31, 2018
Portfolio loans [Abstract]
Total loans	$ 1,395,341	$ 1,385,627
Allowance for loan losses	(18,889)	(17,200)	$ (16,892)	$ (16,876)
Net loans	1,376,452	1,368,427
Commercial and Industrial [Member]
Portfolio loans [Abstract]
Total loans	527,590	499,572
Allowance for loan losses	(8,807)	(7,658)	(6,989)	(6,856)
Commercial Real Estate [Member]
Portfolio loans [Abstract]
Total loans	592,651	598,458
Allowance for loan losses	(6,913)	(6,521)	(6,447)	(6,544)
Commercial Real Estate [Member] | Residential Developed [Member]
Portfolio loans [Abstract]
Total loans	12,795	14,705
Commercial Real Estate [Member] | Unsecured to Residential Developers [Member]
Portfolio loans [Abstract]
Total loans	5,000	0
Commercial Real Estate [Member] | Vacant and Unimproved [Member]
Portfolio loans [Abstract]
Total loans	42,761	41,796
Commercial Real Estate [Member] | Commercial Development [Member]
Portfolio loans [Abstract]
Total loans	623	665
Commercial Real Estate [Member] | Residential Improved [Member]
Portfolio loans [Abstract]
Total loans	131,954	130,861
Commercial Real Estate [Member] | Commercial Improved [Member]
Portfolio loans [Abstract]
Total loans	284,565	292,799
Commercial Real Estate [Member] | Manufacturing and Industrial [Member]
Portfolio loans [Abstract]
Total loans	114,953	117,632
Consumer [Member]
Portfolio loans [Abstract]
Total loans	275,100	287,597
Allowance for loan losses	(3,130)	(3,009)	$ (3,426)	$ (3,449)
Consumer [Member] | Residential Mortgage [Member]
Portfolio loans [Abstract]
Total loans	198,585	211,049
Consumer [Member] | Unsecured [Member]
Portfolio loans [Abstract]
Total loans	247	274
Consumer [Member] | Home Equity [Member]
Portfolio loans [Abstract]
Total loans	71,462	70,936
Consumer [Member] | Other Secured [Member]
Portfolio loans [Abstract]
Total loans	$ 4,806	$ 5,338

LOANS, Allowance for Loans Loss

LOANS, Allowance for Loans Losses by Portfolio (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Allowance for loan losses by portfolio [Roll Forward]
Beginning balance	$ 17,200	$ 16,876
Charge-offs	(39)	(157)
Recoveries	1,028	423
Provision for loan losses	700	(250)
Ending balance	18,889	16,892
Net loan recoveries	989	266
Commercial and Industrial [Member]
Allowance for loan losses by portfolio [Roll Forward]
Beginning balance	7,658	6,856
Charge-offs	0	0
Recoveries	19	136
Provision for loan losses	1,130	(3)
Ending balance	8,807	6,989
Commercial Real Estate [Member]
Allowance for loan losses by portfolio [Roll Forward]
Beginning balance	6,521	6,544
Charge-offs	0	(132)
Recoveries	974	224
Provision for loan losses	(582)	(189)
Ending balance	6,913	6,447
Consumer [Member]
Allowance for loan losses by portfolio [Roll Forward]
Beginning balance	3,009	3,449
Charge-offs	(39)	(25)
Recoveries	35	63
Provision for loan losses	125	(61)
Ending balance	3,130	3,426
Unallocated [Member]
Allowance for loan losses by portfolio [Roll Forward]
Beginning balance	12	27
Charge-offs	0	0
Recoveries	0	0
Provision for loan losses	27	3
Ending balance	$ 39	$ 30

LOANS, Allowance for Loans Lo_2

LOANS, Allowance for Loans Losses and Recorded Investment in Loans by Portfolio Segment Based on Impairment Method (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019	Mar. 31, 2019	Dec. 31, 2018
Ending allowance attributable to loans [Abstract]
Individually reviewed for impairment	$ 2,115	$ 1,624
Collectively evaluated for impairment	16,774	15,576
Total ending allowance balance	18,889	17,200	$ 16,892	$ 16,876
Loans [Abstract]
Individually reviewed for impairment	20,340	13,865
Collectively evaluated for impairment	1,375,001	1,371,762
Total ending loans balance	1,395,341	1,385,627
Commercial and Industrial [Member]
Ending allowance attributable to loans [Abstract]
Individually reviewed for impairment	1,720	1,213
Collectively evaluated for impairment	7,087	6,445
Total ending allowance balance	8,807	7,658	6,989	6,856
Loans [Abstract]
Individually reviewed for impairment	7,164	5,797
Collectively evaluated for impairment	520,426	493,775
Total ending loans balance	527,590	499,572
Commercial Real Estate [Member]
Ending allowance attributable to loans [Abstract]
Individually reviewed for impairment	36	32
Collectively evaluated for impairment	6,877	6,489
Total ending allowance balance	6,913	6,521	6,447	6,544
Loans [Abstract]
Individually reviewed for impairment	8,356	2,928
Collectively evaluated for impairment	584,295	595,530
Total ending loans balance	592,651	598,458
Consumer [Member]
Ending allowance attributable to loans [Abstract]
Individually reviewed for impairment	359	379
Collectively evaluated for impairment	2,771	2,630
Total ending allowance balance	3,130	3,009	3,426	3,449
Loans [Abstract]
Individually reviewed for impairment	4,820	5,140
Collectively evaluated for impairment	270,280	282,457
Total ending loans balance	275,100	287,597
Unallocated [Member]
Ending allowance attributable to loans [Abstract]
Individually reviewed for impairment	0	0
Collectively evaluated for impairment	39	12
Total ending allowance balance	39	12	$ 30	$ 27
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	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019	Dec. 31, 2019
With no related allowance recorded [Abstract]
Unpaid principal balance	$ 7,525		$ 2,067
Recorded investment	7,525		2,067
With an allowance recorded [Abstract]
Unpaid principal balance	12,815		11,798
Recorded investment	12,815		11,798
Total [Abstract]
Unpaid principal balance	20,340		13,865
Recorded investment	20,340		13,865
Allowance allocated	2,115		1,624
Commercial and Industrial [Member]
With no related allowance recorded [Abstract]
Unpaid principal balance	168		180
Recorded investment	168		180
With an allowance recorded [Abstract]
Unpaid principal balance	6,996		5,617
Recorded investment	6,996		5,617
Total [Abstract]
Allowance allocated	1,720		1,213
Impaired loans [Abstract]
Average of impaired loans	6,615	$ 6,825
Interest income recognized during impairment	273	288
Cash-basis interest income recognized	275	282
Commercial Real Estate [Member]
With no related allowance recorded [Abstract]
Unpaid principal balance	7,357		1,887
Recorded investment	7,357		1,887
With an allowance recorded [Abstract]
Unpaid principal balance	999		1,041
Recorded investment	999		1,041
Total [Abstract]
Allowance allocated	36		32
Impaired loans [Abstract]
Interest income recognized during impairment	99	44
Cash-basis interest income recognized	128	49
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	73		76
Recorded investment	73		76
Total [Abstract]
Allowance allocated	3		3
Impaired loans [Abstract]
Average of impaired loans	74	172
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	0		130
Recorded investment	0		130
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	138
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	0
Commercial Real Estate [Member] | Residential Improved [Member]
With no related allowance recorded [Abstract]
Unpaid principal balance	200		377
Recorded investment	200		377
With an allowance recorded [Abstract]
Unpaid principal balance	0		28
Recorded investment	0		28
Total [Abstract]
Allowance allocated	0		2
Impaired loans [Abstract]
Average of impaired loans	267	308
Commercial Real Estate [Member] | Commercial Improved [Member]
With no related allowance recorded [Abstract]
Unpaid principal balance	7,157		1,380
Recorded investment	7,157		1,380
With an allowance recorded [Abstract]
Unpaid principal balance	571		578
Recorded investment	571		578
Total [Abstract]
Allowance allocated	19		16
Impaired loans [Abstract]
Average of impaired loans	5,822	2,340
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	355		359
Recorded investment	355		359
Total [Abstract]
Allowance allocated	14		11
Impaired loans [Abstract]
Average of impaired loans	356	379
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	4,820		5,140
Recorded investment	4,820		5,140
Total [Abstract]
Allowance allocated	359		379
Impaired loans [Abstract]
Average of impaired loans	4,914	6,197
Interest income recognized during impairment	57	75
Cash-basis interest income recognized	60	$ 76
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	4,116		4,242
Recorded investment	4,116		4,242
Total [Abstract]
Allowance allocated	307		313
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	179		198
Recorded investment	179		198
Total [Abstract]
Allowance allocated	13		14
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	499		677
Recorded investment	499		677
Total [Abstract]
Allowance allocated	37		50
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	26		23
Recorded investment	26		23
Total [Abstract]
Allowance allocated	$ 2		$ 2

LOANS, Past Due Loans (Details)

LOANS, Past Due Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual	$ 7,230	$ 203
Over 90 days accruing	0	0
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	513	405
Loans not past due	1,394,828	1,385,222
Total ending loans balance	1,395,341	1,385,627
30-90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	389	287
Greater Than 90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	124	118
Commercial and Industrial [Member]
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual	1,211	0
Over 90 days accruing	0	0
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	98	0
Loans not past due	527,492	499,572
Total ending loans balance	527,590	499,572
Commercial and Industrial [Member] | 30-90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	98	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	5,908	98
Over 90 days accruing	0	0
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	97	289
Loans not past due	592,554	598,169
Total ending loans balance	592,651	598,458
Commercial Real Estate [Member] | 30-90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	82	274
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	15
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	12,795	14,705
Total ending loans balance	12,795	14,705
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	5,000	0
Total ending loans balance	5,000	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	0
Loans not past due	42,761	41,796
Total ending loans balance	42,761	41,796
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	0
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	623	665
Total ending loans balance	623	665
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	97	98
Over 90 days accruing	0	0
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	97	186
Loans not past due	131,857	130,675
Total ending loans balance	131,954	130,861
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	82	171
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	15
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	5,811	0
Over 90 days accruing	0	0
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	0	103
Loans not past due	284,565	292,696
Total ending loans balance	284,565	292,799
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	0	103
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	0
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	114,953	117,632
Total ending loans balance	114,953	117,632
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	111	105
Over 90 days accruing	0	0
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	318	116
Loans not past due	274,782	287,481
Total ending loans balance	275,100	287,597
Consumer [Member] | 30-90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	209	13
Consumer [Member] | Greater Than 90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	109	103
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	103	105
Over 90 days accruing	0	0
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	292	105
Loans not past due	198,293	210,944
Total ending loans balance	198,585	211,049
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	191	2
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	101	103
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	3	0
Loans not past due	244	274
Total ending loans balance	247	274
Consumer [Member] | Unsecured [Member] | 30-90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	3	0
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	8	0
Over 90 days accruing	0	0
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	23	8
Loans not past due	71,439	70,928
Total ending loans balance	71,462	70,936
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	15	8
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	8	0
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	0	3
Loans not past due	4,806	5,335
Total ending loans balance	4,806	5,338
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	0	3
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	3 Months Ended
	Mar. 31, 2020USD ($)LoanPaymentNote	Mar. 31, 2019USD ($)Loan	Dec. 31, 2019USD ($)Loan
LOANS [Abstract]
Specific reserves allocated to customers with modified term loans in troubled debt restructurings	$ 1,693		$ 1,624
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	87		91
Outstanding recorded balance	$ 13,317		$ 13,707
Accruing troubled debt restructurings [Abstract]
Accruing TDR - nonaccrual at restructuring	0		0
Accruing TDR - accruing at restructuring	7,722		8,295
Accruing TDR - upgraded to accruing after six consecutive payments	5,490		5,314
Total	$ 13,212		$ 13,609
Troubled debt restructurings executed during current period [Abstract]
Number of loans | Loan	1	0
Pre-TDR balance	$ 3	$ 0
Writedown upon TDR	$ 0	$ 0
Number of loan modifications made by other than troubled debt restructurings | Loan	179
Loan modifications made by other than troubled debt restructurings, aggregate principal balances	$ 88,000
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	8		7
Outstanding recorded balance	$ 5,952		$ 5,797
Troubled debt restructurings executed during current period [Abstract]
Number of loans | Loan	0	0
Pre-TDR balance	$ 0	$ 0
Writedown upon TDR	$ 0	$ 0
Commercial Real Estate [Member]
Troubled debt restructurings [Abstract]
Number of loans | Loan	14		15
Outstanding recorded balance	$ 2,545		$ 2,770
Troubled debt restructurings executed during current period [Abstract]
Number of loans | Loan	0	0
Pre-TDR balance	$ 0	$ 0
Writedown upon TDR	$ 0	$ 0
Consumer [Member]
Troubled debt restructurings [Abstract]
Number of loans | Loan	65		69
Outstanding recorded balance	$ 4,820		$ 5,140
Troubled debt restructurings executed during current period [Abstract]
Number of loans | Loan	1	0
Pre-TDR balance	$ 3	$ 0
Writedown upon TDR	$ 0	$ 0

LOANS, Credit Quality Indicator

LOANS, Credit Quality Indicators (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2020USD ($)Grade	Dec. 31, 2019USD ($)
Risk grade category of commercial loans by class of loans [Abstract]
Number point grading system used for loan quality | Grade	8
Total loans	$ 1,395,341	$ 1,385,627
Commercial Loans [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	$ 1,120,241	1,098,030
Internal risk grade category of loans considered substandard, doubtful or loss | Grade	6
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	50,762	30,266
Commercial Loans [Member] | Good Quality [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	265,468	291,785
Commercial Loans [Member] | Acceptable Risk [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	748,670	729,222
Commercial Loans [Member] | Marginally Acceptable [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	26,684	25,112
Commercial Loans [Member] | Substandard [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	6,537	6,547
Commercial Loans [Member] | Doubtful [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	7,120	98
Commercial Loans [Member] | Loss [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial and Industrial [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	527,590	499,572
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	31,871	11,768
Commercial and Industrial [Member] | Good Quality [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	143,651	158,851
Commercial and Industrial [Member] | Acceptable Risk [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	312,993	290,267
Commercial and Industrial [Member] | Marginally Acceptable [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	16,677	17,664
Commercial and Industrial [Member] | Substandard [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	6,187	6,022
Commercial and Industrial [Member] | Doubtful [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	1,211	0
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	592,651	598,458
Commercial Real Estate [Member] | Residential Developed [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	12,795	14,705
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	252	312
Commercial Real Estate [Member] | Residential Developed [Member] | Acceptable Risk [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	12,543	14,393
Commercial Real Estate [Member] | Residential Developed [Member] | Marginally Acceptable [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
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	5,000	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	5,000	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	42,761	41,796
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	9,173	9,201
Commercial Real Estate [Member] | Vacant and Unimproved [Member] | Good Quality [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	3,721	8,085
Commercial Real Estate [Member] | Vacant and Unimproved [Member] | Acceptable Risk [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	28,230	22,819
Commercial Real Estate [Member] | Vacant and Unimproved [Member] | Marginally Acceptable [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	1,637	1,691
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	623	665
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	78	79
Commercial Real Estate [Member] | Commercial Development [Member] | Acceptable Risk [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	545	586
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	131,954	130,861
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	19,822	20,142
Commercial Real Estate [Member] | Residential Improved [Member] | Acceptable Risk [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	111,524	109,932
Commercial Real Estate [Member] | Residential Improved [Member] | Marginally Acceptable [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	511	518
Commercial Real Estate [Member] | Residential Improved [Member] | Substandard [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	171
Commercial Real Estate [Member] | Residential Improved [Member] | Doubtful [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	97	98
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	284,565	292,799
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	7,300	6,893
Commercial Real Estate [Member] | Commercial Improved [Member] | Good Quality [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	63,132	67,915
Commercial Real Estate [Member] | Commercial Improved [Member] | Acceptable Risk [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	203,377	213,790
Commercial Real Estate [Member] | Commercial Improved [Member] | Marginally Acceptable [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	4,594	3,847
Commercial Real Estate [Member] | Commercial Improved [Member] | Substandard [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	350	354
Commercial Real Estate [Member] | Commercial Improved [Member] | Doubtful [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	5,812	0
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	114,953	117,632
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	2,418	2,404
Commercial Real Estate [Member] | Manufacturing & Industrial [Member] | Good Quality [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	34,812	36,401
Commercial Real Estate [Member] | Manufacturing & Industrial [Member] | Acceptable Risk [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	74,458	77,435
Commercial Real Estate [Member] | Manufacturing & Industrial [Member] | Marginally Acceptable [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	3,265	1,392
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	Mar. 31, 2020	Dec. 31, 2019
Commercial loans classified as substandard or worse [Abstract]
Classified as impaired	$ 20,340	$ 13,865
Total ending loans balance	1,395,341	1,385,627
Commercial Loans [Member]
Commercial loans classified as substandard or worse [Abstract]
Total ending loans balance	1,120,241	1,098,030
Commercial Loans [Member] | Substandard or Worse [Member]
Commercial loans classified as substandard or worse [Abstract]
Not classified as impaired	591	591
Classified as impaired	13,066	6,054
Total ending loans balance	$ 13,657	$ 6,645

LOANS, Recorded Investment in C

LOANS, Recorded Investment in Consumer Loans Based on Payment Activity (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Recorded investment in consumer loans based on payment activity [Abstract]
Total loans	$ 1,395,341	$ 1,385,627
Consumer Loan [Member] | Residential Mortgage [Member]
Recorded investment in consumer loans based on payment activity [Abstract]
Total loans	198,585	211,049
Consumer Loan [Member] | Residential Mortgage [Member] | Performing [Member]
Recorded investment in consumer loans based on payment activity [Abstract]
Total loans	198,484	210,946
Consumer Loan [Member] | Residential Mortgage [Member] | Nonperforming [Member]
Recorded investment in consumer loans based on payment activity [Abstract]
Total loans	101	103
Consumer Loan [Member] | Consumer Unsecured [Member]
Recorded investment in consumer loans based on payment activity [Abstract]
Total loans	247	274
Consumer Loan [Member] | Consumer Unsecured [Member] | Performing [Member]
Recorded investment in consumer loans based on payment activity [Abstract]
Total loans	247	274
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	71,462	70,936
Consumer Loan [Member] | Home Equity [Member] | Performing [Member]
Recorded investment in consumer loans based on payment activity [Abstract]
Total loans	71,454	70,936
Consumer Loan [Member] | Home Equity [Member] | Nonperforming [Member]
Recorded investment in consumer loans based on payment activity [Abstract]
Total loans	8	0
Consumer Loan [Member] | Consumer Other [Member]
Recorded investment in consumer loans based on payment activity [Abstract]
Total loans	4,806	5,338
Consumer Loan [Member] | Consumer Other [Member] | Performing [Member]
Recorded investment in consumer loans based on payment activity [Abstract]
Total loans	4,806	5,338
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	3 Months Ended		12 Months Ended
	Mar. 31, 2020	Mar. 31, 2019	Dec. 31, 2019
Other real estate owned [Roll Forward]
Beginning balance	$ 3,112	$ 4,183	$ 4,183
Additions, transfers from loans	0	0	0
Proceeds from sales of other real estate owned	(91)	(154)	(589)
Valuation allowance reversal upon sale	0	(77)	(453)
Gain / (loss) on sales of other real estate owned	0	45	(29)
Ending balance, gross	3,021	3,997	3,112
Less: valuation allowance	(395)	(736)	(364)
Ending balance	2,626	3,261	2,748
Activity in valuation allowance [Roll Forward]
Beginning balance	364	803	803
Additions charged to expense	31	10
Reversals upon sale	0	(77)
Ending balance	$ 395	$ 736	$ 364

FAIR VALUE, Assets Measured at

FAIR VALUE, Assets Measured at Fair Value on Recurring and Nonrecurring Basis (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Asset measured at fair value on recurring basis [Abstract]
Available-for-sale securities	$ 243,368	$ 225,249
Significant Unobservable Inputs (Level 3) [Member]
Asset measured at fair value on non-recurring basis [Abstract]
Impaired loans	11,617	5,151
U.S. Treasury and Federal Agency Securities [Member]
Asset measured at fair value on recurring basis [Abstract]
Available-for-sale securities	68,378	74,749
U.S. Agency MBS and CMOs [Member]
Asset measured at fair value on recurring basis [Abstract]
Available-for-sale securities	64,673	46,201
Tax-Exempt State and Municipal Bonds [Member]
Asset measured at fair value on recurring basis [Abstract]
Available-for-sale securities	46,930	45,962
Taxable State and Municipal Bonds [Member]
Asset measured at fair value on recurring basis [Abstract]
Available-for-sale securities	56,071	52,022
Corporate Bonds and Other Debt Securities [Member]
Asset measured at fair value on recurring basis [Abstract]
Available-for-sale securities	7,316	6,315
Recurring Basis [Member]
Asset measured at fair value on recurring basis [Abstract]
Loans held for sale	1,966	3,294
Interest rate swaps	4,295	1,830
Interest rate swaps	(4,295)	(1,830)
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	1,966	3,294
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	4,295	1,830
Interest rate swaps	(4,295)	(1,830)
Recurring Basis [Member] | U.S. Treasury and Federal Agency Securities [Member]
Asset measured at fair value on recurring basis [Abstract]
Available-for-sale securities	68,378	74,749
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	68,378	74,749
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	64,673	46,201
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	64,673	46,201
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	46,930	45,962
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	46,930	45,962
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	56,071	52,022
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	56,071	52,022
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	7,316	6,315
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	7,316	6,315
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	1,495	1,481
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	1,495	1,481
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	11,617	5,151
Other real estate owned	283	405
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	11,617	5,151
Other real estate owned	$ 283	$ 405

FAIR VALUE, Quantitative Inform

FAIR VALUE, Quantitative Information about Level 3 Fair Value Measurements (Details) - Level 3 [Member] $ in Thousands	Mar. 31, 2020USD ($)	Dec. 31, 2019USD ($)
Quantitative information about Level 3 fair value measurements measured on non-recurring basis [Abstract]
Impaired loans	$ 11,617	$ 5,151
OREO	$ 283	$ 405
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)	0.010	0.015
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	0.200
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	Mar. 31, 2020	Dec. 31, 2019
Financial assets [Abstract]
Cash and due from banks	$ 25,861	$ 31,942
Bank owned life insurance	42,411	42,156
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	25,861	31,942
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Fair Value [Member]
Financial assets [Abstract]
Cash and due from banks	25,861	31,942
Significant Other Observable Inputs (Level 2) [Member] | Carrying Amount [Member]
Financial assets [Abstract]
Cash equivalents	181,334	240,508
Loans, net	1,364,835	1,363,276
Accrued interest receivable	5,356	4,866
Financial liabilities [Abstract]
Deposits	(1,705,380)	(1,753,294)
Other borrowed funds	(70,000)	(60,000)
Long-term debt	(20,619)	(20,619)
Accrued interest payable	(475)	(518)
Significant Other Observable Inputs (Level 2) [Member] | Fair Value [Member]
Financial assets [Abstract]
Cash equivalents	181,334	240,508
Loans, net	1,411,726	1,395,446
Accrued interest receivable	5,356	4,866
Financial liabilities [Abstract]
Deposits	(1,706,313)	(1,753,877)
Other borrowed funds	(72,454)	(61,006)
Long-term debt	(18,204)	(18,167)
Accrued interest payable	(475)	(518)
Significant Unobservable Inputs (Level 3) [Member] | Carrying Amount [Member]
Financial assets [Abstract]
Securities held to maturity	82,514	82,720
Bank owned life insurance	42,411	42,156
Significant Unobservable Inputs (Level 3) [Member] | Fair Value [Member]
Financial assets [Abstract]
Securities held to maturity	84,866	85,128
Bank owned life insurance	$ 42,411	$ 42,156

DEPOSITS (Details)

DEPOSITS (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Summary of deposit [Abstract]
Noninterest-bearing demand	$ 492,409	$ 482,499
Interest bearing demand	430,541	479,341
Savings and money market accounts	637,573	639,329
Certificates of deposit	144,857	152,125
Total deposits	1,705,380	1,753,294
FDIC insurance limit on deposit accounts	250	250
Time deposits that exceed FDIC insurance limit	$ 33,800	$ 37,700

OTHER BORROWED FUNDS, Federal H

OTHER BORROWED FUNDS, Federal Home Loan Bank Advances (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Advances from Federal Home Loan Bank [Abstract]
Advance amount	$ 70,000	$ 60,000
Residential and commercial real estate loans pledged as collateral for Federal Home Loan Bank advances	492,400	498,100
Federal Home Loan Bank Advances [Member]
Advances from Federal Home Loan Bank [Abstract]
Advance amount	70,000	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	2021
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	2.51%	2.50%
Federal Home Loan Bank Advances [Member] | Putable Advances [Member]
Advances from Federal Home Loan Bank [Abstract]
Advance amount	$ 30,000	$ 20,000
Range of maturities, earliest	2024
Range of maturities, last	2030
Range of maturities		2024
Federal Home Loan Bank Advances [Member] | Putable Advances [Member] | Weighted Average [Member]
Advances from Federal Home Loan Bank [Abstract]
Interest rate	1.36%	1.81%

OTHER BORROWED FUNDS, Scheduled

OTHER BORROWED FUNDS, Scheduled Repayments of FHLB Advances (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Scheduled repayments of FHLB advances [Abstract]
2020	$ 0
2021	10,000
2022	0
2023	10,000
2024	40,000
Thereafter	10,000
Total	$ 70,000	$ 60,000

OTHER BORROWED FUNDS, Federal R

OTHER BORROWED FUNDS, Federal Reserve Bank Borrowings (Details) - Federal Reserve Bank Borrowings [Member] - USD ($) $ in Millions	Mar. 31, 2020	Dec. 31, 2019
Debt instruments [Abstract]
Borrowings outstanding	$ 0	$ 0
Unused borrowing capacity	13.7	13
Commercial and mortgage loans pledged to the Federal Reserve Bank	$ 16.1	$ 15.2

EARNINGS PER COMMON SHARE (Deta

EARNINGS PER COMMON SHARE (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Reconciliation of numerators and denominators of basic and diluted earnings per common share [Abstract]
Net income available to common shares	$ 6,411	$ 7,646
Weighted average shares outstanding, including participating stock awards - Basic (in shares)	34,106,719	34,040,380
Dilutive potential common shares [Abstract]
Stock options (in shares)	0	0
Weighted average shares outstanding - Diluted (in shares)	34,106,719	34,040,380
Basic earnings per common share (in dollars per share)	$ 0.19	$ 0.22
Diluted earnings per common share (in dollars per share)	$ 0.19	$ 0.22
Stock Options [Member]
Earnings per common share [Abstract]
Antidilutive securities excluded from computation of earnings per share amount (in shares)	0	0

FEDERAL INCOME TAXES (Details)

FEDERAL INCOME TAXES (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019	Dec. 31, 2019
Income tax expense [Abstract]
Current	$ 1,700	$ 1,469
Deferred	(271)	245
Income tax expense	$ 1,429	$ 1,714
Difference between financial statement tax expense and amount computed by applying the statutory federal tax rate to pretax income [Abstract]
Statutory rate	21.00%	21.00%
Statutory rate applied to income before taxes	$ 1,646	$ 1,966
Deduct [Abstract]
Tax-exempt interest income	(178)	(167)
Bank-owned life insurance	(51)	(50)
Other, net	12	(35)
Income tax expense	1,429	$ 1,714
Deferred tax assets [Abstract]
Allowance for loan losses	3,966		$ 3,612
Nonaccrual loan interest	161		182
Valuation allowance on other real estate owned	83		76
Unrealized loss on securities available for sale	0		0
Other	271		248
Gross deferred tax assets	4,481		4,118
Valuation allowance	(92)		(92)
Total net deferred tax assets	4,389		4,026
Deferred tax liabilities [Abstract]
Depreciation	(1,141)		(1,053)
Prepaid expenses	(172)		(172)
Unrealized gain on securities available for sale	(1,028)		(406)
Other	(320)		(317)
Gross deferred tax liabilities	(2,661)		(1,948)
Net deferred tax asset	1,728		2,078
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	3 Months Ended	12 Months Ended
	Mar. 31, 2020	Dec. 31, 2019
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	$ 32,900	$ 11,000
Commitments to make loans at fixed rates	43.40%
Expiration period of commitment to make variable rate loan	30 days
Commitments to Make Loans [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	$ 84,028	65,648
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	15,226	15,303
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	$ 492,793	$ 502,200

SHAREHOLDERS' EQUITY (Details)

SHAREHOLDERS' EQUITY (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2020USD ($)Category	Dec. 31, 2019USD ($)
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	$ 219,714	$ 215,925
CET1 capital (to risk weighted assets), actual ratio	13.40%	13.50%
Tier 1 capital (to risk weighted assets), actual amount	$ 239,714	$ 235,925
Tier 1 capital (to risk weighted assets), actual ratio	14.70%	14.70%
Total capital (to risk weighted assets), actual amount	$ 258,603	$ 253,125
Total capital (to risk weighted assets), actual ratio	15.80%	15.80%
Tier 1 capital (to average assets), actual amount	$ 239,714	$ 235,925
Tier 1 capital (to average assets), actual ratio	11.90%	11.50%
CET1 capital (to risk weighted assets), minimum capital adequacy, amount	$ 73,610	$ 72,187
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	$ 98,146	$ 96,249
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	$ 130,862	$ 128,332
Total capital (to risk weighted assets), minimum capital adequacy, ratio	8.00%	8.00%
Tier 1 capital (to average assets), minimum capital adequacy, amount	$ 80,568	$ 82,130
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	$ 114,504	$ 112,290
CET1 capital (to risk weighted assets), minimum capital adequacy with capital buffer, ratio	7.00%	7.00%
Tier 1 capital (to risk weighted assets), minimum capital adequacy with capital buffer, amount	$ 139,041	$ 136,353
Tier 1 capital (to risk weighted assets), minimum capital adequacy with capital buffer, ratio	8.50%	8.50%
Total capital (to risk weighted assets), minimum capital adequacy with capital buffer, amount	$ 171,756	$ 168,436
Total capital (to risk weighted assets), minimum capital adequacy with capital buffer, ratio	10.50%	10.50%
Trust preferred securities that qualified as Tier one risk based capital	$ 20,000	$ 20,000
Bank [Member]
Actual capital levels and minimum required levels [Abstract]
CET1 capital (to risk weighted assets), actual amount	$ 232,775	$ 228,761
CET1 capital (to risk weighted assets), actual ratio	14.20%	14.30%
Tier 1 capital (to risk weighted assets), actual amount	$ 232,775	$ 228,761
Tier 1 capital (to risk weighted assets), actual ratio	14.20%	14.30%
Total capital (to risk weighted assets), actual amount	$ 251,664	$ 245,961
Total capital (to risk weighted assets), actual ratio	15.40%	15.30%
Tier 1 capital (to average assets), actual amount	$ 232,775	$ 228,761
Tier 1 capital (to average assets), actual ratio	11.60%	11.20%
CET1 capital (to risk weighted assets), minimum capital adequacy, amount	$ 73,604	$ 72,182
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	$ 98,139	$ 96,243
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	$ 130,852	$ 128,324
Total capital (to risk weighted assets), minimum capital adequacy, ratio	8.00%	8.00%
Tier 1 capital (to average assets), minimum capital adequacy, amount	$ 80,537	$ 82,070
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	$ 114,496	$ 112,284
CET1 capital (to risk weighted assets), minimum capital adequacy with capital buffer, ratio	7.00%	7.00%
Tier 1 capital (to risk weighted assets), minimum capital adequacy with capital buffer, amount	$ 139,031	$ 136,344
Tier 1 capital (to risk weighted assets), minimum capital adequacy with capital buffer, ratio	8.50%	8.50%
Total capital (to risk weighted assets), minimum capital adequacy with capital buffer, amount	$ 171,744	$ 168,425
Total capital (to risk weighted assets), minimum capital adequacy with capital buffer, ratio	10.50%	10.50%
CET1 capital (to risk weighted assets) to be well capitalized under prompt corrective action regulations, amount	$ 106,318	$ 104,263
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	$ 130,852	$ 128,324
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	$ 163,565	$ 160,405
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	$ 100,671	$ 102,587
Tier 1 capital (to average assets) to be well capitalized under prompt corrective action regulations, ratio	5.00%	5.00%