Entegra Financial (ENFC) 10-Q 8 May 19 2019 Q1 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	3 Months Ended
	Mar. 31, 2019	May 07, 2019
Document And Entity Information
Entity Registrant Name	ENTEGRA FINANCIAL CORP.
Entity Central Index Key	0001522327
Document Type	10-Q
Document Period End Date	Mar. 31, 2019
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Is Entity's Reporting Status Current?	Yes
Entity Filer Category	Accelerated Filer
Entity Common Stock, Shares Outstanding		6,919,212
Document Fiscal Period Focus	Q1
Document Fiscal Year Focus	2019
Entity Emerging Growth Company	true
Entity Small Business	false
Entity Ex Transition Period	false

CONSOLIDATED BALANCE SHEETS (Un

CONSOLIDATED BALANCE SHEETS (Unaudited) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Assets
Cash and due from banks	$ 15,494	$ 15,409
Interest-earning deposits	82,791	53,710
Cash and cash equivalents	98,285	69,119
Investments - equity securities	6,812	6,178
Investments - available for sale	357,132	359,738
Other investments, at cost	12,092	12,039
Loans held for sale (includes $3,270 and $2,431 at fair value)	9,208	7,570
Loans receivable	1,079,837	1,076,069
Allowance for loan losses	(12,043)	(11,985)
Fixed assets, net	26,093	26,385
Real estate owned	2,256	2,493
Accrued interest receivable	6,669	6,443
Bank owned life insurance	32,087	32,886
Small Business Investment Company Holdings, at cost	4,306	3,839
Net deferred tax asset	5,265	7,551
Loan servicing rights	2,753	2,837
Goodwill	23,903	23,903
Core deposit intangible	3,404	3,577
Other assets	11,092	7,799
Total assets	1,669,151	1,636,441
Liabilities:
Core deposits	828,850	795,261
Retail certificates of deposit	340,047	349,971
Wholesale deposits	77,322	76,008
Federal Home Loan Bank advances	213,500	213,500
Junior subordinated notes	14,433	14,433
Other borrowings	9,385	9,299
Post employment benefits	9,410	9,305
Accrued interest payable	1,173	1,647
Other liabilities	4,106	4,145
Total liabilities	1,498,226	1,473,569
Commitments and contingencies
Shareholders' Equity:
Preferred stock - no par value, 10,000,000 shares authorized; none issued and outstanding
Common stock - no par value, 50,000,000 shares authorized; 6,919,212 and 6,917,703 shares issued and outstanding as of March 31, 2019 and December 31, 2018, respectively
Common stock held by Rabbi Trust, at cost; 17,672 shares at both March 31, 2019 and December 31, 2018	(379)	(379)
Additional paid in capital	74,320	74,051
Retained earnings	96,439	92,624
Accumulated other comprehensive loss	545	(3,424)
Total shareholders' equity	170,925	162,872
Total liabilities and shareholders' equity	$ 1,669,151	$ 1,636,441

CONSOLIDATED BALANCE SHEETS (_2

CONSOLIDATED BALANCE SHEETS (Unaudited) (Parenthetical) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Statement of Financial Position [Abstract]
Loans at fair value	$ 3,270	$ 2,431
Preferred stock, par value	$ 0	$ 0
Preferred stock, shares authorized	10,000,000	10,000,000
Preferred stock, shares issued	0	0
Preferred stock, shares outstanding	0	0
Common stock, par value	$ 0	$ 0
Common stock, shares authorized	50,000,000	50,000,000
Common stock, shares issued	6,919,212	6,917,703
Common stock, shares outstanding	6,919,212	6,917,703
Common Stock held by Rabbi Trust	17,672	17,672

CONSOLIDATED STATEMENTS OF OPER

CONSOLIDATED STATEMENTS OF OPERATIONS (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Interest income:
Interest and fees on loans	$ 12,916	$ 11,892
Interest on tax exempt loans	108	92
Taxable securities	2,081	1,789
Tax-exempt securities	760	550
Interest-earning deposits	472	349
Other	205	170
Total interest and dividend income	16,542	14,842
Interest expense:
Deposits	2,926	1,382
Federal Home Loan Bank advances	1,396	820
Junior subordinated notes	139	138
Other borrowings	128	109
Interest Expense	4,589	2,449
Net interest income	11,953	12,393
Provision for loan losses	116	361
Net interest income after provision for loan losses	11,837	12,032
Noninterest income:
Servicing income, net	89	94
Mortgage banking	263	239
Gain on sale of SBA loans	80	61
Loss on sale of investments, net		(12)
Equity securities gains (losses)	418	(53)
Service charges on deposit accounts	398	431
Interchange fees	246	248
Bank owned life insurance	180	200
Legal settlement income	1,750
Other	278	208
Total noninterest income	3,702	1,416
Noninterest expenses:
Compensation and employee benefits	6,020	5,617
Net occupancy	1,120	1,092
Federal deposit insurance	142	279
Professional and advisory	325	277
Data processing	493	509
Marketing and advertising	279	209
Merger-related expenses	1,350	196
Net cost of operation of real estate owned	7	50
Other	1,002	894
Total noninterest expenses	10,738	9,123
Income before taxes	4,801	4,325
Income tax expense (benefit)	986	743
Net income	$ 3,815	$ 3,582
Earnings per common share:
Earnings per share - basic	$ 0.55	$ 0.52
Earnings per share - diluted	$ 0.55	$ 0.51
Weighted average common shares outstanding:
Common shares outstanding - Basic	6,918,769	6,885,911
Common shares outstanding - Diluted	6,943,267	7,027,884

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Statement of Comprehensive Income [Abstract]
Net income (loss)	$ 3,815	$ 3,582
Other comprehensive income (loss):
Change in unrealized holding gains and losses on securities available for sale	5,390	(4,505)
Reclassification adjustment for securities losses (gains) realized in net income		12
Change in unrealized holding gains and losses on cash flow hedge	(159)	202
Reclassification adjustment for cash flow hedge effectiveness	(65)	(56)
Other comprehensive income (loss), before tax	5,166	(4,347)
Income tax effect related to items of other comprehensive income (loss)	(1,197)	965
Other comprehensive income (loss), after tax	3,969	(3,382)
Comprehensive income (loss)	$ 7,784	$ 200

CONSOLIDATED STATEMENTS OF CHAN

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (Unaudited) - USD ($) $ in Thousands	Common Stock	Additional Paid-In Capital	Retained Earnings	Accumulated Other Comprehensive Income (Loss)	Common Stock held by Rabbi Trust	Total
Beginning Balance at Dec. 31, 2017		$ 72,997	$ 78,718	$ (23)	$ (379)	$ 151,313
Beginning Balance (in shares) at Dec. 31, 2017	6,879,191
Net income (loss)			3,582			3,582
Other comprehensive income, net of tax				(3,382)		(3,582)
Stock compensation expense		257				257
Stock options exercised, net of shares surrendered		117				117
Stock options exercised, net of shares surrendered (in shares)	8,081
Vesting of restricted stock units, net shares surrendered		(11)				(11)
Vesting of restricted stock units, net shares surrendered (in shares)	1,143
Cumulative effect of change in accounting principle			(9)	9
Ending Balance at Mar. 31, 2018		73,360	82,291	(3,396)	(379)	151,876
Ending Balance (in shares) at Mar. 31, 2018	6,888,415
Beginning Balance at Dec. 31, 2018		74,051	92,624	(3,424)	(379)	162,872
Beginning Balance (in shares) at Dec. 31, 2018	6,917,703
Net income (loss)			3,815			3,815
Other comprehensive income, net of tax				3,969		3,969
Stock compensation expense		290				290
Vesting of restricted stock units, net shares surrendered		(21)				(21)
Vesting of restricted stock units, net shares surrendered (in shares)	1,509
Ending Balance at Mar. 31, 2019		$ 74,320	$ 96,439	$ 545	$ (379)	$ 170,925
Ending Balance (in shares) at Mar. 31, 2019	6,919,212

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Cash flows from operating activities:
Net income (loss)	$ 3,815	$ 3,582
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation, amortization and accretion	220	173
Investment amortization, net	820	813
Equity securities losses (gains)	(418)	53
Provision for loan losses	116	361
Provision for real estate owned		18
Share-based compensation expense	290	257
Deferred tax expense	1,045	895
Loss on sales of investments		12
Income on bank owned life insurance, net	(180)	(200)
Mortgage banking income, net	(263)	(239)
Gain on sales of SBA loans	(80)	(61)
Net realized (gain) loss on sale of real estate owned	(6)	16
Loans originated for sale	(9,510)	(9,745)
Proceeds from sale of loans originated for sale	8,215	9,866
Net change in operating assets and liabilities:
Accrued interest receivable	(226)	(134)
Loan servicing rights	84	30
Other assets	(3,711)	(1,135)
Postemployment benefits	105	(163)
Accrued interest payable	(474)	(170)
Other liabilities	(170)	(428)
Net cash provided by operating activities	(328)	3,801
Activity for investment securities:
Purchases		(21,758)
Maturities/calls and principal repayments	7,177	8,858
Sales		10,009
Net increase in loans	(3,474)	(31,241)
Proceeds from sale of real estate owned	34	355
Proceeds from settlement of BOLI policies	1,115
Purchase of fixed assets	(39)	(345)
Purchase of Small Business Investment Company Holdings, at cost	(467)	(68)
Purchase of other investments, at cost	(53)	(78)
Net cash provided by (used in) investing activities	4,293	(34,268)
Cash flows from financing activities:
Net increase in deposits	24,366	43,375
Net increase in escrow deposits	770	653
Net increase in other borrowings	86	463
Proceeds from FHLB advances	50,000	40,000
Repayment of FHLB advances	(50,000)	(40,000)
Cash received (paid for shares surrendered) upon exercise of stock options		117
Cash paid for shares surrendered upon vesting of restricted stock	(21)	(11)
Net cash provided by financing activities	25,201	44,597
Increase (decrease) in cash and cash equivalents	29,166	14,130
Cash and cash equivalents, beginning of period	69,119	109,467
Cash and cash equivalents, end of period	98,285	123,597
Cash paid during the year for:
Interest on deposits and other borrowings	5,220	2,619
Income taxes	554
Noncash investing and financing activities:
Real estate acquired in satisfaction of mortgage loans		749
Loans originated for disposition of real estate owned	$ 209	$ 54

ORGANIZATION AND BASIS OF PRESE

ORGANIZATION AND BASIS OF PRESENTATION	3 Months Ended
	Mar. 31, 2019
Organization, Consolidation and Presentation of Financial Statements [Abstract]
ORGANIZATION AND BASIS OF PRESENTATION	NOTE 1. ORGANIZATION AND BASIS OF PRESENTATION Organization Entegra Financial Corp. (“we,” “us,” “our,” or the “Company”) was incorporated on May 31, 2011 and became the holding company for Entegra Bank (the “Bank”) on September 30, 2014 upon the completion of Macon Bancorp’s merger with and into the Company, pursuant to which Macon Bancorp converted from a mutual to stock form of organization. The Company’s primary operation is its investment in the Bank. The Company also owns 100% of the common stock of Macon Capital Trust I (the “Trust”), a Delaware statutory trust formed in 2003 to facilitate the issuance of trust preferred securities. The Bank is a North Carolina state-chartered commercial bank and has a wholly owned subsidiary, Entegra Services, Inc. (“Entegra Services”), which holds investment securities. The consolidated financials are presented in these financial statements. The Bank operates as a community-focused retail bank, originating primarily real estate-based mortgage, consumer and commercial loans and accepting deposits from consumers and small businesses. Estimates The preparation of consolidated financial statements requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change, in the near term, relate to the determination of the allowance for loan losses, the valuation of acquired loans, separately identifiable intangible assets associated with mergers and acquisitions, the valuation of real estate acquired in connection with foreclosures or in satisfaction of loans, and the valuation of deferred tax assets. Principles of Consolidation The accompanying consolidated financial statements include the accounts of the Company, the Bank, and Entegra Services. The accounts of the Trust are not consolidated with the Company. In consolidation, all significant intercompany accounts and transactions have been eliminated. Reclassification Certain amounts in the prior year’s financial statements may have been reclassified to conform to the current year’s presentation. The reclassifications had no effect on our results of operations or financial condition as previously reported. Basis of Presentation The accompanying unaudited interim consolidated financial statements have been prepared in accordance with U.S. generally accepted accounting principles, or GAAP, for interim financial information and with the Securities and Exchange Commission’s (the “SEC”) instructions for Quarterly Reports on Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by GAAP for complete financial statements and should be read in conjunction with our Annual Report on Form 10-K for the year ended December 31, 2018, filed with the SEC on March 14, 2019 (the “2018 Form 10-K”). In the opinion of management, these interim financial statements present fairly, in all material respects, the Company’s consolidated financial position and results of operations for each of the interim periods presented. Results of operations for interim periods are not necessarily indicative of the results of operations that may be expected for a full year or any future period. Business Combinations The Company accounts for business combinations under the acquisition method of accounting. Assets acquired and liabilities assumed are measured and recorded at fair value at the date of acquisition, including identifiable intangible assets. If the fair value of net assets purchased exceeds the fair value of consideration paid, a bargain purchase gain is recognized at the date of acquisition. Conversely, if the consideration paid exceeds the fair value of the net assets acquired, goodwill is recognized at the acquisition date. Fair values are subject to refinement for a period not to exceed one year after the closing date of an acquisition as information relative to closing date fair values becomes available. The determination of the fair value of loans acquired takes into account credit quality deterioration and probability of loss; therefore, the related allowance for loan losses is not carried forward. All identifiable intangible assets that are acquired in a business combination are recognized at fair value on the acquisition date. Identifiable intangible assets are recognized separately if they arise from contractual or other legal rights or if they are separable (i.e., capable of being sold, transferred, licensed, rented, or exchanged separately from the entity). Deposit liabilities and the related depositor relationship intangible assets may be exchanged in observable exchange transactions. As a result, the depositor relationship intangible asset is considered identifiable, because the separability criterion has been met. In addition, acquisition-related costs and restructuring costs are recognized as period expenses as incurred. Recent Accounting Standards Updates Accounting Standards Update (“ASU”) 2016-02, “Leases (Topic 842).” In June 2016, the FASB issued amendments to ASU 2016-13 Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments. Other accounting standards that have been issued or proposed by the FASB or other standards-setting bodies are not expected to have a material impact on the Company’s financial position, results of operations or cash flows.

INVESTMENT SECURITIES

INVESTMENT SECURITIES	3 Months Ended
	Mar. 31, 2019
Investments, Debt and Equity Securities [Abstract]
INVESTMENT SECURITIES	NOTE 2. INVESTMENT SECURITIES The following table presents the holdings of our equity securities as of March 31, 2019 and December 31, 2018: March 31, December 31, 2019 2018 (Dollars in thousands) Mutual funds $ 6,812 $ 6,178 Equity securities with a fair value of $6.2 million as of March 31, 2019 are held in a Rabbi Trust and seek to generate returns that will fund the cost of certain deferred compensation agreements. Equity securities with a fair value of $0.6 million as of March 31, 2019 are in a mutual fund that qualifies under the Community Reinvestment Act (“CRA”) as CRA activity. There were gains on equity securities of $0.4 million for the three months ended March 31, 2019, and losses of $0.1 million for the three months ended March 31, 2018. The amortized cost and estimated fair values of available-for-sale (“AFS”) securities as of March 31, 2019 and December 31, 2018 are summarized as follows: March 31, 2019 Gross Gross Estimated Amortized Unrealized Unrealized Fair Cost Gains Losses Value (Dollars in thousands) U.S. Treasury & Government Agencies $ 33,918 $ 112 $ (208 ) $ 33,822 Municipal Securities 115,467 2,194 (182 ) 117,479 Mortgage-backed Securities - Guaranteed 82,467 196 (1,137 ) 81,526 Collateralized Mortgage Obligation - Guaranteed 22,194 99 (388 ) 21,905 Collateralized Mortgage Obligation - Non Guaranteed 66,842 491 (194 ) 67,139 Collateralized Loan Obligations 15,524 — (312 ) 15,212 Corporate bonds 19,920 237 (108 ) 20,049 $ 356,332 $ 3,329 $ (2,529 ) $ 357,132 December 31, 2018 Gross Gross Estimated Amortized Unrealized Unrealized Fair Cost Gains Losses Value (Dollars in thousands) U.S. Treasury & Government Agencies $ 34,068 $ 74 $ (152 ) $ 33,990 Municipal Securities 115,860 209 (1,667 ) 114,402 Mortgage-backed Securities - Guaranteed 86,664 98 (1,578 ) 85,184 Collateralized Mortgage Obligation - Guaranteed 22,492 47 (650 ) 21,889 Collateralized Mortgage Obligation - Non Guaranteed 69,774 125 (728 ) 69,171 Collateralized Loan Obligations 15,534 1 (458 ) 15,077 Corporate bonds 19,936 232 (143 ) 20,025 $ 364,328 $ 786 $ (5,376 ) $ 359,738 Information pertaining to securities with gross unrealized losses, aggregated by investment category and length of time that individual securities have been in a continuous loss position, follows: March 31, 2019 Less Than 12 Months More Than 12 Months Total Fair Unrealized Fair Unrealized Fair Unrealized (Dollars in thousands) U.S. Treasury & Government Agencies $ 22,738 $ 179 $ 2,032 $ 29 $ 24,770 $ 208 Municipal Securities — — 20,277 182 20,277 182 Mortgage-backed Securities - Guaranteed 5,987 60 54,578 1,077 60,565 1,137 Collateralized Mortgage Obligations - Guaranteed — — 15,433 388 15,433 388 Collateralized Mortgage Obligations - Non Guaranteed 2,908 25 17,739 169 20,647 194 Collateralized loan obligations 11,750 269 3,462 43 15,212 312 Corporate bonds 3,125 25 3,350 83 6,475 108 $ 46,508 $ 558 $ 116,871 $ 1,971 $ 163,379 $ 2,529 December 31, 2018 Less Than 12 Months More Than 12 Months Total Fair Unrealized Fair Unrealized Fair Unrealized (Dollars in thousands) U.S. Treasury & Government Agencies $ 23,423 $ 152 $ — $ — $ 23,423 $ 152 Municipal Securities 33,028 421 56,153 1,246 89,181 1,667 Mortgage-backed Securities - Guaranteed 27,692 370 45,619 1,208 73,311 1,578 Collateralized Mortgage Obligations - Guaranteed 2,042 19 15,294 631 17,336 650 Collateralized Mortgage Obligations - Non Guaranteed 22,383 185 30,471 543 52,854 728 Collateralized loan obligations 11,618 404 1,449 54 13,067 458 Corporate bonds 2,492 45 3,345 98 5,837 143 $ 122,678 $ 1,596 $ 152,331 $ 3,780 $ 275,009 $ 5,376 Information pertaining to the number of securities with gross unrealized losses is detailed in the table below. Management of the Company believes all unrealized losses as of March 31, 2019 and December 31, 2018 represent temporary impairment. The unrealized losses have resulted from temporary changes in the interest rate market and not as a result of credit deterioration. We do not intend to sell and it is not likely that we will be required to sell any of the securities referenced in the table below before recovery of their amortized cost. March 31, 2019 Less Than More Than Total U.S. Treasury & Government Agencies 15 1 16 Municipal Securities — 18 18 Mortgage-backed Securities - Guaranteed 5 52 57 Collateralized Mortgage Obligations - Guaranteed — 8 8 Collateralized Mortgage Obligations - Non Guaranteed 2 13 15 Collateralized Loan Obligations 6 2 8 Corporate bonds 4 4 8 32 98 130 December 31, 2018 Less Than More Than Total U.S. Treasury & Government Agencies 14 — 14 Municipal Securities 31 52 83 Mortgage-backed Securities - Guaranteed 21 43 64 Collateralized Mortgage Obligations - Guaranteed 1 8 9 Collateralized Mortgage Obligations - Non Guaranteed 12 22 34 Collateralized Loan Obligations 6 1 7 Corporate bonds 3 4 7 88 130 218 The Company received proceeds from sales of securities classified as AFS and corresponding gross realized gains and losses as follows for the three months ended March 31, 2018: (Dollars in thousands) Gross proceeds $ 10,009 Gross realized gains 21 Gross realized losses 33 There were no investment security sales for the three months ended March 31, 2019. The Company had securities pledged against deposits and borrowings of approximately $159.8 million at March 31, 2019 and $155.8 million at December 31, 2018. The amortized cost and estimated fair value of investments in debt securities at March 31, 2019, by contractual maturity, is shown below. Mortgage-backed securities have not been scheduled because expected maturities will differ from contractual maturities when borrowers have the right to prepay the obligations. Available-for-Sale Amortized Fair (Dollars in thousands) Less than 1 year $ 1,979 $ 1,981 Over 1 year through 5 years 4,570 3,207 After 5 years through 10 years 30,973 32,307 Over 10 years 147,307 149,067 184,829 186,562 Mortgage-backed securities 171,503 170,570 Total $ 356,332 $ 357,132

LOANS RECEIVABLE

LOANS RECEIVABLE	3 Months Ended
	Mar. 31, 2019
Receivables [Abstract]
LOANS RECEIVABLE	NOTE 3. LOANS RECEIVABLE Loans receivable as of March 31, 2019 and December 31, 2018 are summarized as follows: March 31, December 31, 2019 2018 (Dollars in thousands) Real estate mortgage loans: One-to four-family residential $ 328,779 $ 325,560 Commercial real estate 500,600 498,106 Home equity loans and lines of credit 47,665 48,679 Residential construction 46,622 39,533 Other construction and land 99,462 104,645 Total real estate loans 1,023,128 1,016,523 Commercial and industrial 51,562 54,410 Consumer 6,494 6,842 Total commercial and consumer 58,056 61,252 Loans receivable, gross 1,081,184 1,077,775 Less: Net deferred loan fees (1,046 ) (1,000 ) Fair value discount (915 ) (1,048 ) Hedged loans basis adjustment (See Note 8) 503 245 Unamortized premium 319 333 Unamortized discount (208 ) (236 ) Loans receivable, net of deferred fees $ 1,079,837 $ 1,076,069 The Bank had $267.2 million and $256.1 million of loans pledged as collateral to secure funding with the Federal Home Loan Bank of Atlanta (“FHLB”) at March 31, 2019 and December 31, 2018, respectively. The Bank also had $115.2 million and $114.4 million of loans pledged as collateral to secure funding availability with the Federal Reserve Bank (“FRB”) Discount Window at March 31, 2019 and December 31, 2018, respectively. Included in loans receivable and other borrowings at March 31, 2019 are $4.4 million in participated loans that did not qualify for sale accounting. Interest expense on the other borrowings accrues at the same rate as the interest income recognized on the loans receivable, resulting in no effect to net income. The following tables present the activity related to the discount on individually purchased loans for the three months ended March 31, 2019 and 2018: For the Three Months Ended March 31, (Dollars in thousands) 2019 2018 Discount on purchased loans, beginning of period $ 236 $ 710 Accretion (28 ) (29 ) Discount on purchased loans, end of period $ 208 $ 681 The following table presents the activity related to the fair value discount on loans from business combinations for the three months ended March 31 2019, and 2018: For the Three Months Ended March 31, (Dollars in thousands) 2019 2018 Fair value discount, beginning of period $ 1,048 $ 2,012 Accretion (133 ) (266 ) Fair value discount, end of period $ 915 $ 1,746

ALLOWANCE FOR LOAN LOSSES

ALLOWANCE FOR LOAN LOSSES	3 Months Ended
	Mar. 31, 2019
Receivables [Abstract]
ALLOWANCE FOR LOAN LOSSES	NOTE 4. ALLOWANCE FOR LOAN LOSSES The following tables present, by portfolio segment, the changes in the allowance for loan losses for the periods indicated: Three Months Ended March 31, 2019 One-to four Commercial Home Equity Residential Other Commercial Consumer Total (Dollars in thousands) Beginning balance $ 3,909 $ 5,130 $ 560 $ 452 $ 1,250 $ 608 $ 76 $ 11,985 Provision 34 (112 ) 255 68 (42 ) 43 (130 ) 116 Charge-offs (4 ) — (209 ) — — (59 ) (26 ) (298 ) Recoveries 20 56 — — 8 4 152 240 Ending balance $ 3,959 $ 5,074 $ 606 $ 520 $ 1,216 $ 596 $ 72 $ 12,043 Three Months Ended March 31, 2018 One-to four Commercial Home Equity Residential Other Commercial Consumer Total (Dollars in thousands) Beginning balance $ 4,018 $ 4,364 $ 616 $ 303 $ 1,025 $ 503 $ 58 $ 10,887 Provision (151 ) 229 (21 ) 150 63 128 (37 ) 361 Charge-offs (110 ) (35 ) (41 ) — — — (29 ) (215 ) Recoveries 13 3 21 — 20 5 72 134 Ending balance $ 3,770 $ 4,561 $ 575 $ 453 $ 1,108 $ 636 $ 64 $ 11,167 The following tables present, by portfolio segment and reserving methodology, the allocation of the allowance for loan losses and the net investment in loans for the periods indicated: March 31, 2019 One-to four Commercial Home Equity Residential Other Commercial Consumer Total (Dollars in thousands) Allowance for loan losses Individually evaluated for impairment $ 148 $ 80 $ 74 $ — $ 46 $ 5 $ — $ 353 Collectively evaluated for impairment 3,811 4,994 532 520 1,170 591 72 11,690 $ 3,959 $ 5,074 $ 606 $ 520 $ 1,216 $ 596 $ 72 $ 12,043 Loans Receivable Individually evaluated for impairment $ 3,262 $ 5,994 $ 312 $ — $ 1,358 $ 271 $ — $ 11,197 Collectively evaluated for impairment 325,414 493,085 47,500 46,566 97,918 51,563 6,594 1,068,640 $ 328,676 $ 499,079 $ 47,812 $ 46,566 $ 99,276 $ 51,834 $ 6,594 $ 1,079,837 December 31, 2018 One-to four Commercial Home Equity Residential Other Commercial Consumer Total (Dollars in thousands) Allowance for loan losses Individually evaluated for impairment $ 79 $ 27 $ — $ — $ 54 $ 7 $ — $ 167 Collectively evaluated for impairment 3,830 5,103 560 452 1,196 601 76 11,818 $ 3,909 $ 5,130 $ 560 $ 452 $ 1,250 $ 608 $ 76 $ 11,985 Loans Receivable Individually evaluated for impairment $ 2,900 $ 6,019 $ 313 $ — $ 1,377 $ 276 $ — $ 10,885 Collectively evaluated for impairment 322,255 490,530 48,512 39,488 103,087 54,367 6,945 1,065,184 $ 325,155 $ 496,549 $ 48,825 $ 39,488 $ 104,464 $ 54,643 $ 6,945 $ 1,076,069 Portfolio Quality Indicators The Company’s loan portfolio grading analysis estimates the capability of the borrower to repay the contractual obligations of the loan agreements as scheduled. The Company’s internal credit risk grading system is based on experiences with similarly graded loans, industry best practices, and regulatory guidance. Credit risk grades are refreshed each quarter, at which time management analyzes the resulting information, as well as other external statistics and factors, to track loan performance. The Company’s internally assigned grades pursuant to the Board-approved lending policy are as follows: · Pass (1-5) – Acceptable loans with any identifiable weaknesses appropriately mitigated. · Special Mention (6) – Potential weakness or identifiable weakness present without appropriate mitigating factors; however, loan continues to perform satisfactorily with no material delinquency noted. This may include some deterioration in repayment capacity and/or loan-to-value of securing collateral. · Substandard (7) – Significant weakness that remains unmitigated, most likely due to diminished repayment capacity, serious delinquency, and/or marginal performance based upon restructured loan terms. · Doubtful (8) – Significant weakness that remains unmitigated and collection in full is highly questionable or improbable. · Loss (9) – Collectability is unlikely resulting in immediate charge-off. Description of Segment and Class Risks Each of our portfolio segments and the classes within those segments are subject to risks that could have an adverse impact on the credit quality of our loan portfolio. Management has identified the most significant risks as described below which are generally similar among our segments and classes. While the list is not exhaustive, it provides a description of the risks that management has determined are the most significant. One-to-four family residential We centrally underwrite each of our one-to-four family residential loans using credit scoring and analytical tools consistent with the Board-approved lending policy and internal procedures based upon industry best practices and regulatory directives. Loans to be sold to secondary market investors must also adhere to investor guidelines. We also evaluate the value and marketability of that collateral. Common risks to each class of non-commercial loans, including one-to-four family residential, include risks that are not specific to individual transactions such as general economic conditions within our markets, particularly unemployment and potential declines in real estate values. Personal events such as death, disability or change in marital status also add risk to non-commercial loans. Commercial real estate Commercial mortgage loans are primarily dependent on the ability of our customers to achieve business results consistent with those projected at loan origination resulting in cash flow sufficient to service the debt. To the extent that a customer’s business results are significantly unfavorable versus the original projections, the ability for our loan to be serviced on a basis consistent with the contractual terms may be at risk. While these loans are secured by real property and possibly other business assets such as inventory or accounts receivable, it is possible that the liquidation of the collateral will not fully satisfy the obligation. Other commercial real estate loans consist primarily of loans secured by multifamily housing and agricultural loans. The primary risk associated with multifamily loans is the ability of the income-producing property that collateralizes the loan to produce adequate cash flow to service the debt. High unemployment or generally weak economic conditions may result in our customer having to provide rental rate concessions to achieve adequate occupancy rates. The performance of agricultural loans are highly dependent on favorable weather, reasonable costs for seed and fertilizer, and the ability to successfully market the product at a profitable margin. The demand for these products is also dependent on macroeconomic conditions that are beyond the control of the borrower. Home equity and lines of credit Home equity loans are often secured by first or second liens on residential real estate, thereby making such loans particularly susceptible to declining collateral values. A substantial decline in collateral value could render our second lien position to be effectively unsecured. Additional risks include lien perfection inaccuracies and disputes with first lienholders that may further weaken our collateral position. Further, the open-end structure of these loans creates the risk that customers may draw on the lines of credit in excess of the collateral value if there have been significant declines since origination. Residential construction and other construction and land Residential mortgage construction loans are typically secured by undeveloped or partially developed land with funds to be disbursed as home construction is completed contingent upon receipt and satisfactory review of invoices and inspections. Declines in real estate values can result in residential mortgage loan borrowers having debt levels in excess of the collateral’s current market value. Non-commercial construction and land development loans can experience delays in completion and/or cost overruns that exceed the borrower’s financial ability to complete the project. Cost overruns can result in foreclosure of partially completed collateral with unrealized value and diminished marketability. Commercial construction and land development loans are dependent on the supply and demand for commercial real estate in the markets we serve as well as the demand for newly constructed residential homes and building lots. Deterioration in demand could result in significant decreases in the underlying collateral values and make repayment of the outstanding loans more difficult for our customers. Commercial We centrally underwrite each of our commercial loans based primarily upon the customer’s ability to generate the required cash flow to service the debt in accordance with the contractual terms and conditions of the loan agreement. We strive to gain a complete understanding of our borrower’s businesses, including the experience and background of the principals of such businesses. To the extent that the loan is secured by collateral, which is a predominant feature of the majority of our commercial loans, or other assets including accounts receivable and inventory, we gain an understanding of the likely value of the collateral and what level of strength it brings to the loan transaction. To the extent that the principals or other parties are obligated under the note or guaranty agreements, we analyze the relative financial strength and liquidity of each guarantor. Common risks to each class of commercial loans include risks that are not specific to individual transactions such as general economic conditions within our markets, as well as risks that are specific to each transaction including volatility or seasonality of cash flows, changing demand for products and services, personal events such as death, disability or change in marital status, and reductions in the value of our collateral. Consumer The consumer loan portfolio includes loans secured by personal property such as automobiles, marketable securities, other titled recreational vehicles including boats and motorcycles, as well as unsecured consumer debt. The value of underlying collateral within this class is especially volatile due to potential rapid depreciation in values since the date of loan origination in excess of principal repayment. The following tables present the recorded investment in gross loans by loan grade as of the dates indicated: March 31, 2019 Loan Grade One-to-Four Commercial Home Equity Residential Other Commercial Consumer Total (Dollars in thousands) 1 $ — $ 7,449 $ — $ — $ — $ 1,191 $ 6 $ 8,646 2 — 10,444 — — — 904 — 11,348 3 31,789 89,877 4,839 9,562 12,292 14,717 17 163,093 4 124,622 281,883 3,719 24,186 55,743 22,044 215 512,412 5 25,610 88,755 392 2,443 17,947 12,105 4 147,256 6 318 8,185 — 1 1,280 478 — 10,262 7 646 5,491 — — 187 383 — 6,707 $ 182,985 $ 492,084 $ 8,950 $ 36,192 $ 87,449 $ 51,822 $ 242 $ 859,724 Ungraded Loan Exposure: Performing $ 144,670 $ 6,976 $ 38,519 $ 10,374 $ 11,763 $ 12 $ 6,351 $ 218,665 Nonperforming 1,021 19 343 — 64 — 1 1,448 Subtotal $ 145,691 $ 6,995 $ 38,862 $ 10,374 $ 11,827 $ 12 $ 6,352 $ 220,113 Total $ 328,676 $ 499,079 $ 47,812 $ 46,566 $ 99,276 $ 51,834 $ 6,594 $ 1,079,837 December 31, 2018 Loan Grade One-to-Four Commercial Home Equity Residential Other Commercial Consumer Total (Dollars in thousands) 1 $ — $ 7,569 $ — $ — $ — $ 1,264 $ 7 $ 8,840 2 — 7,860 — — — 20 — 7,880 3 31,623 87,756 5,212 9,365 12,111 15,685 264 162,016 4 121,688 280,630 4,014 18,358 61,646 22,374 245 508,955 5 24,738 88,698 615 3,404 17,630 12,307 5 147,397 6 321 7,867 — 1 1,303 495 — 9,987 7 674 5,725 — — 376 487 — 7,262 $ 179,044 $ 486,105 $ 9,841 $ 31,128 $ 93,066 $ 52,632 $ 521 $ 852,337 Ungraded Loan Exposure: Performing $ 145,470 $ 10,420 $ 38,806 $ 8,360 $ 11,334 $ 2,011 $ 6,424 $ 222,825 Nonperforming 641 24 178 — 64 — — 907 Subtotal $ 146,111 $ 10,444 $ 38,984 $ 8,360 $ 11,398 $ 2,011 $ 6,424 $ 223,732 Total $ 325,155 $ 496,549 $ 48,825 $ 39,488 $ 104,464 $ 54,643 $ 6,945 $ 1,076,069 Delinquency Analysis of Loans by Class The following tables include an aging analysis of the recorded investment of past-due financing receivables by class. The Company does not accrue interest on loans greater than 90 days past due. March 31, 2019 30-59 Days 60-89 Days 90 Days Total Current Total Loans (Dollars in thousands) One-to-four family residential $ 4,364 $ — $ 251 $ 4,615 $ 324,061 $ 328,676 Commercial real estate 4,291 119 1,515 5,925 493,154 499,079 Home equity and lines of credit 159 — 343 502 47,310 47,812 Residential construction 350 — 1 351 46,215 46,566 Other construction and land 129 — 64 193 99,083 99,276 Commercial 283 — 62 345 51,489 51,834 Consumer 35 3 1 39 6,555 6,594 Total $ 9,611 $ 122 $ 2,237 $ 11,970 $ 1,067,867 $ 1,079,837 December 31, 2018 30-59 Days 60-89 Days 90 Days Total Current Total Loans (Dollars in thousands) One-to-four family residential $ 3,562 $ 1,317 $ 84 $ 4,963 $ 320,192 $ 325,155 Commercial real estate 2,615 — 1,782 4,397 492,152 496,549 Home equity and lines of credit 400 457 73 930 47,895 48,825 Residential construction — — 1 1 39,487 39,488 Other construction and land 613 32 64 709 103,755 104,464 Commercial 307 25 121 453 54,190 54,643 Consumer 27 4 — 31 6,914 6,945 Total $ 7,524 $ 1,835 $ 2,125 $ 11,484 $ 1,064,585 $ 1,076,069 Impaired Loans The following table presents investments in loans considered to be impaired and related information on those impaired loans as of March 31, 2019 and December 31, 2018. March 31, 2019 December 31, 2018 Recorded Unpaid Specific Recorded Unpaid Specific (Dollars in thousands) Loans without a valuation allowance One-to-four family residential $ 2,324 $ 2,475 $ — $ 845 $ 923 $ — Commercial real estate 3,925 6,271 — 3,835 6,207 — Home equity and lines of credit 213 328 — 283 283 — Other construction and land 549 683 — 365 366 — $ 7,011 $ 9,757 $ — $ 5,328 $ 7,779 $ — Loans with a valuation allowance One-to-four family residential $ 938 $ 938 $ 148 $ 2,055 $ 2,055 $ 79 Commercial real estate 2,069 2,069 80 2,184 2,184 27 Home equity and lines of credit 99 99 74 30 30 — Other construction and land 809 809 46 1,012 1,012 54 Commercial 271 271 5 276 276 7 $ 4,186 $ 4,186 $ 353 $ 5,557 $ 5,557 $ 167 Total One-to-four family residential $ 3,262 $ 3,413 $ 148 $ 2,900 $ 2,978 $ 79 Commercial real estate 5,994 8,340 80 6,019 8,391 27 Home equity and lines of credit 312 427 74 313 313 — Other construction and land 1,358 1,492 46 1,377 1,378 54 Commercial 271 271 5 276 276 7 $ 11,197 $ 13,943 $ 353 $ 10,885 $ 13,336 $ 167 The following table presents average impaired loans and interest income recognized on those impaired loans, by class segment, for the periods indicated: Three Months Ended March 31, 2019 2018 Average Interest Income Average Interest Income (Dollars in thousands) Loans without a valuation allowance One-to four-family residential $ 2,483 $ 29 $ 1,877 $ 29 Commercial real estate 6,272 37 5,613 31 Home equity and lines of credit 328 15 427 14 Other construction and land 685 5 699 5 $ 9,768 $ 86 $ 8,616 $ 79 Loans with a valuation allowance One-to four-family residential $ 937 $ 8 $ 1,621 $ 16 Commercial real estate 2,155 23 1,693 23 Home equity and lines of credit 99 2 — — Other construction and land 819 12 1,724 9 Commercial 274 6 290 5 $ 4,284 $ 51 $ 5,328 $ 53 Total One-to four-family residential $ 3,420 $ 37 $ 3,498 $ 45 Commercial real estate 8,427 60 7,306 54 Home equity and lines of credit 427 17 427 14 Other construction and land 1,504 17 2,423 14 Commercial 274 6 290 5 $ 14,052 $ 137 $ 13,944 $ 132 Nonperforming Loans The following table summarizes the balances of nonperforming loans as of March 31, 2019 and December 31, 2018. Certain loans classified as Troubled Debt Restructurings (“TDRs”) and impaired loans may be on non-accrual status even though they are not contractually delinquent. March 31, December 31, (Dollars in thousands) One-to-four family residential $ 1,394 $ 1,037 Commercial real estate 2,854 3,266 Home equity loans and lines of credit 343 178 Residential construction 1 — Other construction and land 251 256 Commercial 62 120 Consumer 1 — Non-performing loans $ 4,906 $ 4,857 TDRs The following tables summarize TDR loans as of the dates indicated: March 31, 2019 Performing Nonperforming Total TDRs TDRs TDRs (Dollars in thousands) One-to-four family residential $ 2,138 $ 358 $ 2,496 Commercial real estate 3,912 1,212 5,124 Home equity and lines of credit 313 — 313 Other construction and land 1,170 187 1,357 Commercial 271 — 271 $ 7,804 $ 1,757 $ 9,561 December 31, 2018 Performing Nonperforming Total TDRs TDRs TDRs (Dollars in thousands) One-to-four family residential $ 2,154 $ 361 $ 2,515 Commercial real estate 3,690 1,462 5,152 Home equity and lines of credit 283 30 313 Other construction and land 1,185 192 1,377 Commercial 276 — 276 $ 7,588 $ 2,045 $ 9,633 There were no loan modifications that were deemed TDRs at the time of the modification during the three months ended March 31, 2019 or 2018. There were no TDRs that defaulted during the three months ending March 31, 2019 or 2018 and which were modified as TDRs within the previous 12 months.

GOODWILL AND OTHER INTANGIBLE A

GOODWILL AND OTHER INTANGIBLE ASSETS	3 Months Ended
	Mar. 31, 2019
Goodwill and Intangible Assets Disclosure [Abstract]
GOODWILL AND OTHER INTANGIBLE ASSETS	NOTE 5. GOODWILL AND OTHER INTANGIBLES The Company had $23.9 million of goodwill as of March 31, 2019 and December 31, 2018. The Company had $3.4 million and $3.6 million of core deposit intangibles as of March 31, 2019 and December 31, 2018, respectively. The following is a summary of gross carrying amounts and accumulated amortization of core deposit intangibles: As of and for the As of and for the March 31, December 31, 2019 2018 Dollars in thousands Gross balance at beginning of period $ 4,840 $ 4,840 Additions from acquisitions — — Gross balance at end of period 4,840 4,840 Less accumulated amortization (1,436 ) (1,263 ) Core deposit intangible, net $ 3,404 $ 3,577 Core deposit intangibles are amortized using the straight-line method over their estimated useful lives of seven years. Estimated amortization expense for core deposit intangibles is $0.7 million for 2019 and each of the next three years, $0.6 million in the fifth year, and $0.3 million in the final year.

DEPOSITS

DEPOSITS	3 Months Ended
	Mar. 31, 2019
Banking and Thrift [Abstract]
DEPOSITS	NOTE 6. DEPOSITS The following table summarizes deposit balances and interest expense by type of deposit as of and for the three months ended March 31, 2019 and 2018 and the year ended December 31, 2018. As of and for the As of and for the Year Ended Three Months Ended March 31, December 31, 2019 2018 2018 (Dollars in thousands) Balance Interest Balance Interest Balance Interest Noninterest-bearing demand $ 194,562 $ — $ 192,916 $ — $ 184,404 $ — Interest-bearing demand 198,516 98 206,530 87 209,085 374 Money Market 390,839 1,138 336,625 366 356,086 2,637 Savings 49,996 14 52,162 15 50,716 59 Time Deposits 412,306 1,676 417,675 914 420,949 5,048 $ 1,246,219 $ 2,926 $ 1,205,908 $ 1,382 $ 1,221,240 $ 8,118 The following table indicates wholesale deposits included in the money market and time deposits amounts above: As of March 31, As of December 31, 2019 2018 2018 (Dollars in thousands) Balance Balance Balance Wholesale money market $ 5,063 $ 25,026 $ 5,030 Wholesale time deposits 72,259 56,232 70,978 $ 77,322 $ 81,258 $ 76,008

BORROWINGS

BORROWINGS	3 Months Ended
	Mar. 31, 2019
Debt Disclosure [Abstract]
BORROWINGS	NOTE 7. BORROWINGS The scheduled maturities and respective weighted average rates of outstanding FHLB advances are as follows for the dates indicated: March 31, 2019 December 31, 2018 Year of Balance Weighted Balance Weighted (Dollars in thousands) 2019 163,500 2.59 % 168,500 2.52 % 2020 45,000 2.80 % 45,000 2.80 % 2024 5,000 2.81 % — — $ 213,500 2.64 % $ 213,500 2.58 % The Company has a $15.0 million revolving credit loan facility with NexBank SSB. The loan facility, which is secured by Entegra Bank stock, bears interest at LIBOR plus 350 basis points and is intended to be used for general corporate purposes. The Company had drawn $5.0 million on the revolving credit loan facility as of March 31, 2019 and December 31, 2018. The Company also had other borrowings of $4.4 million and $4.3 million at March 31, 2019 and December 31, 2018, respectively, which is comprised of participated loans that did not qualify for sale accounting. Interest expense on these other borrowings accrues at the same rate as the interest income recognized on the loans receivable, resulting in no effect to net income.

DERIVATIVE FINANCIAL INSTRUMENT

DERIVATIVE FINANCIAL INSTRUMENTS AND HEDGING ACTIVITIES	3 Months Ended
	Mar. 31, 2019
Derivative Instruments and Hedging Activities Disclosure [Abstract]
DERIVATIVE FINANCIAL INSTRUMENTS AND HEDGING ACTIVITIES	NOTE 8. DERIVATIVE FINANCIAL INSTRUMENTS AND HEDGING ACTIVITIES Interest Rate Swaps Risk Management Objective of Interest Rate Swaps The Company is exposed to certain risks arising from both its business operations and economic conditions. The Company principally manages its exposures to a wide variety of business and operational risks through management of its core business activities. The Company manages economic risks, including interest rate, liquidity and credit risk, primarily by managing the amount, sources and duration of certain balance sheet assets and liabilities. In the normal course of business, the Company also uses derivative financial instruments to add stability to interest income or expense and to manage its exposure to movements in interest rates. The Company does not use derivatives for trading or speculative purposes and only enters into transactions that have a qualifying hedging relationship. The Company's hedging strategies involving interest rate derivatives are classified as either “Fair Value Hedges” or “Cash Flow Hedges,” depending upon the rate characteristic of the hedged item. Fair Value Hedge : Cash Flow Hedge : Credit and Collateral Risks for Interest Rate Swaps The Company manages credit exposure on interest rate swap transactions by entering into a bilateral credit support agreement with each counterparty. The credit support agreements allow for collateralization of exposures beyond specified minimum threshold amounts. The Company’s agreements with its interest rate swap counterparties contain a provision where if either party defaults on any of its indebtedness, then it could also be declared in default on its derivative obligations. The agreements with derivative counterparties also include provisions that if not met, could result in the Company being declared in default. If the Company were to be declared in default, the counterparty could terminate the derivative positions and the Company and the counterparty would be required to settle their obligations under the agreements. At March 31, 2019, the Company had two derivatives in net liability positions of $0.6 million under these agreements and recognized the right to reclaim cash collateral of $0.6 million which was included in the consolidated balance sheets in Other assets. The Company had one derivative in a net liability position of $0.2 million at December 31, 2018. Mortgage Derivatives Risk Management Objective of Mortgage Lending Activities The Company also maintains a risk management program to manage interest rate risk and pricing risk associated with its mortgage lending activities. The risk management program includes the use of forward contracts and other derivatives that are recorded in the financial statements at fair value and are used to offset changes in value of the mortgage inventory due to changes in market interest rates. As a normal part of our operations, we enter into derivative contracts to economically hedge risks associated with overall price risk related to interest rate lock commitments (”IRLCs”) and mortgage loans held-for-sale for which the fair value option has been elected. Fair value changes occur as a result of interest rate movements as well as changes in the value of the associated servicing. Derivative instruments used include forward sales commitments and IRLCs. Credit and Collateral Risks for Mortgage Lending Activities The Company’s underlying risks are primarily related to interest rates and forward sales commitments entered into as part of its mortgage banking activities. Forward sales commitments are contracts for the delayed delivery or net settlement of an underlying instrument, such as a mortgage loan, in which the seller agrees to deliver on a specified future date, either a specified instrument at a specified price or yield or the net cash equivalent of an underlying instrument. These hedges are used to preserve the Company’s position relative to future sales of mortgage loans to third parties in an effort to minimize the volatility of the expected gain on sale from changes in interest rate and the associated pricing changes. The table below presents the fair value of the Company’s derivative financial instruments as of the dates indicated as well as their classification on the consolidated balance sheets (in thousands). Derivative Assets (1) Derivative Liabilities (1) March 31, December 31, March 31, December 31, 2019 2018 2019 2018 Derivatives designated as hedging instruments: Interest rate swaps $ 260 $ 354 $ 861 $ 462 Total $ 260 $ 354 $ 861 $ 462 Derivatives not designated as hedging instruments: Mortgage derivatives $ 45 $ 34 $ 21 $ 22 Total $ 45 $ 34 $ 21 $ 22 (1) All derivative assets are located in “Other assets” on the consolidated balance sheets and all derivative liabilities are located in “Other liabilities” on the consolidated balance sheets. The table below presents the effect of fair value and cash flow hedge accounting on the consolidated statements of income: Derivatives Designated as Hedging Instrument s Three Months Ended March 31, 2019 2018 (dollars in thousands) Interest Interest Interest Interest Total amounts of income and expense line items presented in the consolidated statements of income $ 16,542 $ 4,589 $ 14,842 $ 2,449 Amounts related to fair value hedging relationships Interest rate swaps: Hedged items 259 — — — Derivatives designated as hedging instruments (274 ) — — — Amounts related to cash flow hedging relationships Interest rate swaps: Amount reclassified from accumulated other comprehensive loss into income — (65 ) — (56 ) Fair Value Hedges The Company uses interest rate swaps as part of its interest rate risk management strategy. Interest rate swaps, designated as fair value hedges, involve the receipt of variable amounts from a counterparty in exchange for the Company making fixed payments over the life of the agreements without the exchange of the underlying notional amount. The gain or loss on the derivative as well as the offsetting gain or loss on the hedged item attributable to the hedged risk are recognized in earnings. The Company entered into a pay-fixed/receive-variable interest rate swap with a notional amount of $25.0 million which was designated as a fair value hedge associated with the Company’s fixed rate loan program. As of March 31, 2019, the following amounts were recorded on the balance sheet related to cumulative basis adjustments for fair value hedges: (dollars in thousands) Carrying amount of the Cumulative amount of fair Line item in the balance sheet in which the hedged item is included March 31, March 31, Loans receivable (1) $ 97,891 $ 503 (1) These amounts include the amortized cost basis of the closed portfolio used to designate the hedging relationship in which the hedged item is the last layer expected to be remaining at the end of the hedging relationship. At March 31, 2019, the amortized cost basis of the closed portfolio used in the the hedging relationship was $97.9 million, the cumulative basis adjustment associated with the hedging relationship was $0.5 million, and the amount of the designated hedged item was $25.0 million. Cash Flow Hedges Interest rate swap contracts, designated as cash flow hedges, involve the payment of fixed-rate amounts to a counterparty in exchange for the Company receiving variable-rate payments without exchange of the underlying notional amounts. The forward starting interest rate swap begins exchanging cash flows in 2020 when the current interest rate swap agreement expires. The structures of the swap agreements designated as cash flow hedges are described in the table below (dollars in thousands): Underlyings Designation Notional Payment Provision Life of Swap Contract Junior Subordinated Debt Cash Flow Hedge $ 14,000 Pay 0.958%/Receive 3 month LIBOR 4 yrs Junior Subordinated Debt Cash Flow Hedge $ 14,000 Pay 3.02%/Receive 3 month LIBOR 3 yrs The table below presents the effect of the Company's derivatives in cash flow hedging relationships for the periods presented (dollars in thousands): As of and for the Three Months As of and for the Year Interest rate swaps Location 2019 2018 2018 Amounts recognized in AOCI on derivatives OCI $ (159 ) $ 202 $ 2 Amounts reclassified from AOCI into income Interest expense (65 ) (56 ) (431 ) Amounts recognized in consolidated statement of comprehensive income $ (224 ) $ 146 $ (429 ) Derivatives Not Designated as Hedging Instruments Mortgage Derivatives Mortgage derivative fair value assets and liabilities are described above. At March 31, 2019 and December 31, 2018, the Company had the following IRLCs and forward commitments for the future delivery of residential mortgage loans. As of As of (Dollars in thousands) 2019 2018 Mortgage derivatives Interest rate lock commitments $ 2,736 $ 1,627 Forward sales commitment 4,250 3,500 The table below presents the effect of the Company's derivatives not designated as hedging instruments for the periods presented: Three Months Ended March 31, Interest rate products Location 2019 2018 (Dollars in thousands) Amount of (loss) gain recognized in income on forward commitments Noninterest income $ (38 ) $ 10 Amount of gain recognized in income on interest rate lock commitments Noninterest income 11 17 Amount of gain (loss) recognized in income on derivatives not designated as hedging instruments $ (27 ) $ 27

INCOME TAXES

INCOME TAXES	3 Months Ended
	Mar. 31, 2019
Income Tax Disclosure [Abstract]
INCOME TAXES	NOTE 9. INCOME TAXES The components of net deferred taxes as of March 31, 2019 and December 31, 2018 are summarized as follows: As of As of 2019 2018 (Dollars in thousands) Deferred tax assets: Allowance for loan losses $ 2,729 $ 2,703 Deferred compensation and post-employment benefits 1,874 1,854 Non-accrual interest 251 245 Valuation reserve for other real estate 198 191 North Carolina NOL carryover 233 293 Federal NOL carryover 554 1,231 AMT credit carryover — 316 General federal business credit carryover 826 691 Unrealized losses on securities 581 1,061 Loan basis differences 46 50 Fixed assets 131 123 Core deposit intangible 148 129 Derivative instruments 21 — Other 1,122 1,207 Total deferred tax assets 8,714 10,094 Deferred tax liabilities: Loan servicing rights 633 653 Goodwill 581 495 Core deposit intangible 70 74 Deferred loan costs 1,014 1,001 Prepaid expenses 14 14 Unrealized gains on securities 961 105 Derivative instruments 6 29 Investment in partnerships 170 155 Other — 17 Total deferred tax liabilities 3,449 2,543 Net deferred tax asset $ 5,265 $ 7,551 The following table summarizes the amount and expiration dates of the Company’s unused net operating losses and other carryforwards as of March 31, 2019: As of September, 2017 (Dollars in thousands) Amount Expiration Dates Federal $ 2,803 2032-2037 North Carolina $ 13,708 2026-2029 Federal General Business Carryforwards $ 826 2037-2039

EARNINGS PER SHARE

EARNINGS PER SHARE	3 Months Ended
	Mar. 31, 2019
Earnings Per Share
EARNINGS PER SHARE	NOTE 10. EARNINGS PER SHARE The following is a reconciliation of the numerator and denominator of basic and diluted net income per share of common stock as of the dates indicated: Three Months Ended (Dollars in thousands, except per share amounts) 2019 2018 Numerator: Net income $ 3,815 $ 3,582 Denominator: Weighted-average common shares outstanding - basic 6,918,769 6,885,911 Effect of dilutive securities: Stock options 6,960 96,871 Restricted stock units 17,538 45,102 Weighted-average common shares outstanding - diluted 6,943,267 7,027,884 Earnings per share - basic $ 0.55 $ 0.52 Earnings per share - diluted $ 0.55 $ 0.51 The average market price used in calculating the assumed number of dilutive shares issued related to stock options for the three months ended March 31, 2019 and 2018 was $23.12 and $28.56, respectively. The average stock price was less than the exercise price for 91,977 options in the three months ended March 31, 2019 and 19,592 options in the three months ended March 31, 2018. As a result, these stock options are not deemed dilutive in calculating diluted earnings per share for the respective periods in the table above.

ACCUMULATED OTHER COMPREHENSIVE

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)	3 Months Ended
	Mar. 31, 2019
Fair Value Inputs Value of Loan
ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)	NOTE 11. ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) The following table summarizes the components of accumulated other comprehensive income (loss) and changes in those components as of and for the three months ended March 31, 2019 and 2018. Three Months Ended March 31, 2019 (Dollars in thousands) Available Cash Flow Total Balance, beginning of period $ (3,528 ) $ 104 $ (3,424 ) Change in deferred tax valuation allowance attributable to net unrealized losses on investment securities available for sale — — — Change in net unrealized holding losses on securities available for sale 5,390 — 5,390 Reclassification adjustment for net securities losses realized in net income — — — Change in unrealized holding gains on cash flow hedge — (159 ) (159 ) Reclassification adjustment for cash flow hedge effectiveness — (65 ) (65 ) Income tax effect (1,244 ) 47 (1,197 ) Balance, end of period $ 618 $ (73 ) $ 545 Three Months Ended March 31, 2018 (Dollars in thousands) Balance, beginning of period $ (455 ) $ 432 $ (23 ) Change in deferred tax valuation allowance attributable to net unrealized losses on investment securities available for sale — — — Change in net unrealized holding losses on securities available for sale (4,505 ) — (4,505 ) Reclassification adjustment for net securities losses realized in net income 12 — 12 Change in unrealized holding gains on cash flow hedge — 202 202 Reclassification adjustment for cash flow hedge effectiveness — (56 ) (56 ) Cumulative effect of change in accounting principle 9 — 9 Income tax effect 996 (31 ) 965 Balance, end of period $ (3,943 ) $ 547 $ (3,396 ) The following table shows the line items in the Consolidated Statements of Income affected by amounts reclassified from accumulated other comprehensive income as of the dates indicated: Three Months Ended (Dollars in thousands) 2019 2018 Income Statement Line Item Affected Available-for-sale securities Losses recognized $ — $ (12 ) Loss on sale of investments, net Income tax effect — 3 Income tax expense Reclassified out of AOCI, net of tax — (9 ) Net income Cash flow hedge Interest expense - effective portion — 30 Interest expense - FHLB advances Interest expense - effective portion 65 26 Interest expense - Junior subordinated notes Income tax effect (15 ) (13 ) Income tax expense Reclassified out of AOCI, net of tax 50 43 Net income Total reclassified out of AOCI, net of tax $ 50 $ 34 Net income

COMMITMENTS AND CONTINGENCIES

COMMITMENTS AND CONTINGENCIES	3 Months Ended
	Mar. 31, 2019
Commitments and Contingencies Disclosure [Abstract]
COMMITMENTS AND CONTINGENCIES	NOTE 12. COMMITMENTS AND CONTINGENCIES To accommodate the financial needs of its customers, the Company makes commitments under various terms to lend funds. These commitments include revolving credit agreements, term loan commitments and short-term borrowing agreements. Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Company evaluates each customer’s creditworthiness. The amount of collateral obtained, if it is deemed necessary by the Company upon extension of credit, is based on management’s credit evaluation of the counterparty. Collateral held includes first and second mortgages on one-to-four family dwellings, accounts receivable, inventory, and commercial real estate. Certain lines of credit are unsecured. The following summarizes the Company’s approximate commitments to extend credit: March 31, 2019 (Dollars in thousands) Lines of credit $ 175,353 Standby letters of credit 1,011 $ 176,364 The Company had outstanding commitments to originate loans as follows: March 31, 2019 Amount Range of Rates (Dollar in thousands) Fixed $ 24,709 4.25% to 12.00% Variable 9,323 3.38% to 8.00% $ 34,032 The allowance for unfunded commitments was $0.1 million at March 31, 2019 and December 31, 2018. The Company is exposed to loss as a result of its obligation for representations and warranties on loans sold to Fannie Mae and maintained a reserve of $0.3 million as of March 31, 2019 and December 31, 2018. In the normal course of business, the Company is periodically involved in litigation. In the opinion of the Company’s management, none of this litigation is expected to have a material adverse effect on the accompanying consolidated financial statements.

FAIR VALUE DISCLOSURES

FAIR VALUE DISCLOSURES	3 Months Ended
	Mar. 31, 2019
Fair Value Disclosures [Abstract]
FAIR VALUE DISCLOSURES	NOTE 13. FAIR VALUE DISCLOSURES Overview Fair value measurements are determined based on the assumptions that market participants would use in pricing an asset or liability. As a basis for considering market participant assumptions in fair value measurements, ASC Topic 820 (“ASC 820”), Fair Value Measurements and Disclosures Fair Value Hierarchy Level 1 Valuation is based on inputs that are quoted prices (unadjusted) in active markets for identical assets or liabilities that the Company has the ability to access at the measurement date. Level 2 Valuation is based on inputs other than quoted prices included within Level 1 that are observable for the asset or liability, either directly or indirectly, such as interest rates, yield curves observable at commonly quoted intervals, and other market-corroborated inputs. Level 3 Valuation is generated from techniques that use at least one significant assumption not observable in the market. These unobservable assumptions reflect estimates of assumptions that market participants would use in pricing the asset or liability. Valuation techniques include the use of option pricing models, discounted cash flow models and similar techniques. In general, fair value is based upon quoted market prices, where available. If such quoted market prices are not available, fair value is based upon models that primarily use, as inputs, observable market-based parameters. In instances where the determination of the fair value measurement is based on inputs from different levels of the fair value hierarchy, the level in the fair value hierarchy within which the entire fair value measurement falls is based on the lowest level input that is significant to the fair value measurement in its entirety. The Company's assessment of the significance of a particular input to the fair value measurement in its entirety requires judgment, and considers factors specific to the asset or liability. The Company evaluates fair value measurement inputs on an ongoing basis in order to determine if there is a change of sufficient significance to warrant a transfer between levels. Transfers between levels of the fair value hierarchy are recognized on the actual date of the event or circumstances that caused the transfer, which generally coincides with the Company's valuation process. Fair Value Option ASC 820 allows companies to report selected financial assets and liabilities at fair value using the fair value option. The changes in fair value are recognized in earnings and the assets and liabilities measured under this methodology are required to be displayed separately on the balance sheet. The Company made the election in June 2018, to record mortgage loans held-for-sale at fair value under the fair value option, which allows for a more effective offset of the changes in fair values of the loans and the derivative instruments used to hedge them without the burden of complying with the requirements for hedge accounting. Financial Assets and Financial Liabilities Measured on a Recurring Basis The Company uses the following methods and assumptions in estimating the fair value of its financial assets and financial liabilities on a recurring basis: Investment Securities Available-for-Sale We obtain fair values for debt securities from a third-party pricing service, which utilizes several sources for valuing fixed-income securities. The market evaluation sources for debt securities include observable inputs rather than significant unobservable inputs and are classified as Level 2. The service provider utilizes pricing models that vary by asset class and include available trade, bid and other market information. Generally, the methodologies include broker quotes, proprietary models, vast descriptive terms and conditions databases, as well as extensive quality control programs. Included in securities are investments in an exchange traded bond fund and U.S. Treasury bonds which are valued by reference to quoted market prices and considered a Level 1 security. Also included in securities are corporate bonds which are valued using significant unobservable inputs and are classified as Level 2 or Level 3 based on market information available during the period. Equity Securities Equity securities represent investments in exchange traded mutual funds which are valued by reference to quoted market prices and considered a Level 1 security. Mortgage Loans Held-for-Sale Mortgage loans held-for-sale are recorded at fair value on a recurring basis. The estimated fair value is determined using Level 3 inputs based on observable data such as the existing forward commitment terms or the current market value of similar loans. Loan Servicing Rights Loan servicing rights are carried at fair value as determined by a third party valuation firm. The valuation model utilizes a discounted cash flow analysis using discount rates and prepayment speed assumptions used by market participants. The Company classifies loan servicing rights fair value measurements as Level 3. Derivative Instruments Derivative instruments include IRLCs, forward sale commitments, and interest rate swaps. IRLCs and forward sale commitments are valued based on the change in the value of the underlying loan between the commitment date and the end of the period. The Company classifies these instruments as Level 3. Interest rate swaps are valued by a third party using significant assumptions that are observable in the market and can be corroborated by market data. The Company classifies interest rate swaps as Level 2. The following tables present financial assets and financial liabilities measured at fair value on a recurring basis at the dates indicated, segregated by the level of valuation inputs within the fair value hierarchy utilized to measure fair value: March 31, 2019 Level 1 Level 2 Level 3 Total (Dollars in thousands) Assets: Equity securities $ 6,812 $ — $ — $ 6,812 Securities available for sale: U.S. Treasury & Government Agencies 4,991 28,831 — 33,822 Municipal Securities — 117,479 — 117,479 Mortgage-backed Securities - Guaranteed — 81,526 — 81,526 Collateralized Mortgage Obligations - Guaranteed — 21,905 — 21,905 Collateralized Mortgage Obligations - Non Guaranteed — 67,139 — 67,139 Collateralized Loan Obligations — 15,212 15,212 Corporate bonds — 19,556 493 20,049 Total securities available for sale 4,991 351,648 493 357,132 Mortgage loans held for sale — — 3,270 3,270 Loan servicing rights — — 2,753 2,753 Interest rate swaps — 260 — 260 Mortgage derivatives — — 45 45 Total recurring assets at fair value $ 11,803 $ 351,908 $ 6,561 $ 370,272 Liabilities: Interest rate swaps $ — $ 861 $ — $ 861 Mortgage derivatives — — 21 21 Total recurring liabilities at fair value $ — $ 861 $ 21 $ 882 December 31, 2018 Level 1 Level 2 Level 3 Total (Dollars in thousands) Assets: Equity securities $ 6,178 $ — $ — $ 6,178 Securities available for sale: U.S. Treasury & Government Agencies 4,949 29,041 — 33,990 Municipal Securities — 114,402 — 114,402 Mortgage-backed Securities - Guaranteed — 85,184 — 85,184 Collateralized Mortgage Obligations - Guaranteed — 21,889 — 21,889 Collateralized Mortgage Obligations - Non Guaranteed — 69,171 — 69,171 Collateralized Loan Obligations — 15,077 15,077 Corporate bonds — 19,532 493 20,025 Total securities available for sale 4,949 354,296 493 359,738 Mortgage loans held for sale — — 2,431 2,431 Loan servicing rights — — 2,837 2,837 Interest rate swaps — 354 — 354 Mortgage derivatives — — 34 34 Total recurring assets at fair value $ 11,127 $ 354,650 $ 5,795 $ 371,572 Liabilities: Interest rate swaps $ — $ 462 $ — $ 462 Mortgage derivatives — — 22 22 Total recurring liabilities at fair value $ — $ 462 $ 22 $ 484 The following table presents the changes in assets and liabilities measured at fair value on a recurring basis for which we have utilized Level 3 inputs to determine fair value: Three Months Ended March 31, 2019 2018 (Dollars in thousands) Balance at beginning of period $ 5,773 $ 3,321 AFS securities Transfer to Level 2 — 1,331 Mortgage loans held for sale 839 — Loan servicing right activity, included in servicing income, net Capitalization from loans sold 47 100 Fair value adjustment (131 ) (130 ) Mortgage derivative gains (losses) included in other income 12 27 Balance at end of period $ 6,540 $ 4,649 Financial Assets Measured on a Nonrecurring Basis The Company uses the following methods and assumptions in estimating the fair value of its financial assets on a nonrecurring basis: SBA Loans Held for Sale SBA loans held for sale are carried at the lower of cost or fair value. The fair value of SBA loans held for sale is based on what secondary markets are currently offering for portfolios with similar characteristics and are classified as Level 2. Impaired Loans Impaired loans are carried at the lower of recorded investment or fair value. The fair value of collateral dependent impaired loans is estimated using the value of the collateral less selling costs if repayment is expected from liquidation of the collateral. Appraisals may be discounted based on our historical knowledge, changes in market conditions from the time of appraisal or our knowledge of the borrower and the borrower’s business. Impaired loans carried at fair value are classified as Level 3. Impaired loans measured using the present value of expected future cash flows are not deemed to be measured at fair value. REO REO obtained in partial or total satisfaction of a loan is recorded at the lower of recorded investment in the loan or fair value less cost to sell. Subsequent to foreclosure, these assets are carried at the lower of the amount recorded at acquisition date or fair value less cost to sell. Accordingly, it may be necessary to record nonrecurring fair value adjustments. Fair value, when recorded, is generally based upon appraisals by approved, independent, state certified appraisers. Like impaired loans, appraisals may be discounted based on our historical knowledge, changes in market conditions from the time of appraisal or other information available to us. REO carried at fair value is classified as Level 3. Small Business Investment Company (“SBIC) Holdings SBIC holdings are carried at the lower of cost or cost less a valuation allowance. From time to time, impairment of SBIC is evident as a result of underlying financial review and a valuation allowance is established. SBIC carried at cost less a valuation allowance is classified as Level 3. The following table presents nonfinancial assets measured at fair value on a nonrecurring basis at the dates indicated, segregated by the level of the valuation inputs within the fair value hierarchy utilized to measure fair value: March 31, 2019 Level 1 Level 2 Level 3 Total (Dollars in thousands) Collateral dependent impaired loans: One-to four family residential $ — $ — $ 2,324 $ 2,324 Commercial real estate — — 3,925 3,925 Home equity loans and lines of credit — — 213 213 Other construction and land — — 549 549 Real estate owned: Commercial real estate — — 949 949 Other construction and land — — 1,307 1,307 Total assets $ — $ — $ 9,267 $ 9,267 December 31, 2018 Level 1 Level 2 Level 3 Total (Dollars in thousands) Collateral dependent impaired loans: One-to-four family residential $ — $ — $ 845 $ 845 Commercial real estate — — 3,835 3,835 Home equity loans and lines of credit — — 283 283 Other construction and land — — 365 365 Real estate owned: One-to-four family residential — — 228 228 Commercial real estate — — 949 949 Other construction and land — — 1,316 1,316 Total assets $ — $ — $ 7,821 $ 7,821 There were no liabilities measured at fair value on a nonrecurring basis as of March 31, 2019, or December 31, 2018. Impaired loans totaling $4.2 million at March 31, 2019 and $5.6 million at December 31, 2018 were measured using the present value of expected future cash flows. These impaired loans were not deemed to be measured at fair value on a nonrecurring basis. The following table provides information describing the unobservable inputs used in Level 3 fair value measurements at March 31, 2019. Valuation Technique Unobservable Input General Range Impaired loans Discounted Appraisals Collateral discounts and estimated selling cost 0% - 30% Real estate owned Discounted Appraisals Collateral discounts and estimated selling cost 0% - 30% Corporate bonds Discounted Cash Flows Recent trade pricing 0% -10% Loan servicing rights Discounted Cash Flows Prepayment speed 9% - 20% Discount rate 10% - 14% Mortgage loans held for sale External pricing model Recent trade pricing 101% - 103% Mortgage derivatives External pricing model Pull-through rate 78%-100% SBIC Indicative value provided by fund Current operations and financial condition N/A Fair Value of Financial Assets and Financial Liabilities The following table includes the estimated fair value of the Company's financial assets and financial liabilities at the dates indicated: Fair Value Measurements at March 31, 2019 Carrying (Dollars in thousands) Amount Total Level 1 Level 2 Level 3 Assets: Cash and equivalents $ 98,285 $ 98,285 $ 98,285 $ — $ — Equity securities 6,812 6,812 6,812 — — Securities available for sale 357,132 357,132 4,991 351,648 493 Loans held for sale 9,208 9,885 — 6,615 3,270 Loans receivable, net 1,079,837 1,046,136 — — 1,046,552 Other investments, at cost 12,092 12,092 — 12,092 — Accrued interest receivable 6,669 6,669 — 6,669 — BOLI 32,087 32,087 — 32,087 — Loan servicing rights 2,753 2,753 — — 2,753 Mortgage derivatives 45 45 — — 45 Interest rate swaps 260 260 — 260 — SBIC investments 4,306 4,306 — — 4,306 Liabilities: Demand deposits $ 833,913 $ 833,913 $ — $ 833,913 $ — Time deposits 412,306 416,631 — — 416,631 Federal Home Loan Bank advances 213,500 213,249 — 213,249 — Junior subordinated debentures 14,433 13,720 — 13,720 — Other borrowings 9,385 9,572 — 9,572 — Accrued interest payable 1,173 1,173 — 1,173 — Mortgage derivatives 21 21 — — 21 Interest rate swaps 861 861 — 861 — Fair Value Measurements at December 31, 2018 Carrying (Dollars in thousands) Amount Total Level 1 Level 2 Level 3 Assets: Cash and equivalents $ 69,119 $ 69,119 $ 69,119 $ — $ — Equity securities 6,178 6,178 6,178 — — Securities available for sale 359,739 359,739 4,949 354,297 493 Loans held for sale 7,570 8,114 — 5,683 2,431 Loans receivable, net 1,076,069 1,046,136 — — 1,046,136 Other investments, at cost 12,039 12,039 — 12,039 — Accrued interest receivable 6,443 6,443 — 6,443 — BOLI 32,886 32,886 — 32,886 — Loan servicing rights 2,837 2,837 — — 2,837 Mortgage derivatives 34 34 — — 34 Interest rate swaps 354 354 — 354 — SBIC investments 3,839 3,839 — — 3,839 Liabilities: Demand deposits $ 800,291 $ 800,291 $ — $ 800,291 $ — Time deposits 420,949 424,054 — — 424,054 Federal Home Loan Bank advances 213,500 213,513 — 213,513 — Junior subordinated debentures 14,433 12,440 — 12,440 — Other borrowings 9,299 9,253 — 9,253 — Accrued interest payable 1,647 1,647 — 1,647 — Mortgage derivatives 22 22 — — 22 Interest rate swaps 462 462 — 462 —

LEASES

LEASES	3 Months Ended
	Mar. 31, 2019
Leases [Abstract]
LEASES	NOTE 14. Leases As of January 1, 2019, we adopted certain accounting standard updates related to accounting for leases (Topic 842 - Leases We lease certain office facilities and office equipment under operating leases. The lease agreements have maturity dates ranging from March 2020 to May 2027, one of which includes an option for a five-year extension. The weighted average remaining life of the lease term for these leases was 6.82 years as of March 31, 2019. We do not apply the recognition requirements of Topic 842 - Leases Leases Maturities of lease liabilities as of March 31, 2019 were as follows: (Dollard in thousands) Operating 2019 $ 107 2020 69 2021 53 2022 53 2023 53 Thereafter 177 Total undiscounted lease payments 512 Discount effect of cash flows (68 ) Total lease liability $ 444 The total operating lease costs were $56,000 for the three months ended March 31, 2019.

SUBSEQUENT EVENTS

SUBSEQUENT EVENTS	3 Months Ended
	Mar. 31, 2019
Subsequent Events [Abstract]
SUBSEQUENT EVENTS	NOTE 15. Subsequent Events On April 23, 2019, Entegra entered into a definitive agreement (the “Merger Agreement”) to merge with and into First Citizens BancShares, Inc., a North Carolina corporation (“BancShares”). Under the terms of the Merger Agreement, each outstanding share of Entegra common stock would be converted into the right to receive $30.18 in cash. Previously on January 15, 2019, Entegra had entered into a definitive agreement to merge with and into SmartFinancial, Inc. (“SmartFinancial”), a Tennessee corporation. Under the terms of the SmartFinancial definitive agreement, each outstanding share of Entegra common stock would be converted into the right to receive 1.215 shares of SmartFinancial common stock. On April 18, 2019, Entegra notified SmartFinancial that it had received a proposal from BancShares and certain affiliates containing the Merger Agreement described above and that the Entegra board of directors had concluded that such proposal constituted a Superior Proposal (as defined in the SmartFinancial definitive agreement). On April 23, 2019, SmartFinancial delivered a notice to Entegra waiving its rights to renegotiate its agreement with Entegra, subject to Entegra’s compliance with the SmartFinancial Merger Agreement and the payment of the termination fee due to SmartFinancial simultaneously with the termination of the SmartFinancial definitive agreement. On April 23, 2019, in connection with the termination by Entegra of the SmartFinancial definitive agreement, BancShares, on behalf of Entegra, paid SmartFinancial a termination fee of $6.4 million as required by the terms of the SmartFinancial definitive agreement, and the SmartFinancial definitive agreement was terminated.

ORGANIZATION AND BASIS OF PRE_2

ORGANIZATION AND BASIS OF PRESENTATION (Policies)	3 Months Ended
	Mar. 31, 2019
Accounting Policies [Abstract]
Organization	Organization Entegra Financial Corp. (“we,” “us,” “our,” or the “Company”) was incorporated on May 31, 2011 and became the holding company for Entegra Bank (the “Bank”) on September 30, 2014 upon the completion of Macon Bancorp’s merger with and into the Company, pursuant to which Macon Bancorp converted from a mutual to stock form of organization. The Company’s primary operation is its investment in the Bank. The Company also owns 100% of the common stock of Macon Capital Trust I (the “Trust”), a Delaware statutory trust formed in 2003 to facilitate the issuance of trust preferred securities. The Bank is a North Carolina state-chartered commercial bank and has a wholly owned subsidiary, Entegra Services, Inc. (“Entegra Services”), which holds investment securities. The consolidated financials are presented in these financial statements. The Bank operates as a community-focused retail bank, originating primarily real estate-based mortgage, consumer and commercial loans and accepting deposits from consumers and small businesses.
Estimates	Estimates The preparation of consolidated financial statements requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change, in the near term, relate to the determination of the allowance for loan losses, the valuation of acquired loans, separately identifiable intangible assets associated with mergers and acquisitions, the valuation of real estate acquired in connection with foreclosures or in satisfaction of loans, and the valuation of deferred tax assets.
Principles of Consolidation	Principles of Consolidation The accompanying consolidated financial statements include the accounts of the Company, the Bank, and Entegra Services. The accounts of the Trust are not consolidated with the Company. In consolidation, all significant intercompany accounts and transactions have been eliminated.
Reclassification	Reclassification Certain amounts in the prior year’s financial statements may have been reclassified to conform to the current year’s presentation. The reclassifications had no effect on our results of operations or financial condition as previously reported.
Basis of Presentation	Basis of Presentation The accompanying unaudited interim consolidated financial statements have been prepared in accordance with U.S. generally accepted accounting principles, or GAAP, for interim financial information and with the Securities and Exchange Commission’s (the “SEC”) instructions for Quarterly Reports on Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by GAAP for complete financial statements and should be read in conjunction with our Annual Report on Form 10-K for the year ended December 31, 2018, filed with the SEC on March 14, 2019 (the “2018 Form 10-K”). In the opinion of management, these interim financial statements present fairly, in all material respects, the Company’s consolidated financial position and results of operations for each of the interim periods presented. Results of operations for interim periods are not necessarily indicative of the results of operations that may be expected for a full year or any future period.
Business Combinations	Business Combinations The Company accounts for business combinations under the acquisition method of accounting. Assets acquired and liabilities assumed are measured and recorded at fair value at the date of acquisition, including identifiable intangible assets. If the fair value of net assets purchased exceeds the fair value of consideration paid, a bargain purchase gain is recognized at the date of acquisition. Conversely, if the consideration paid exceeds the fair value of the net assets acquired, goodwill is recognized at the acquisition date. Fair values are subject to refinement for a period not to exceed one year after the closing date of an acquisition as information relative to closing date fair values becomes available. The determination of the fair value of loans acquired takes into account credit quality deterioration and probability of loss; therefore, the related allowance for loan losses is not carried forward. All identifiable intangible assets that are acquired in a business combination are recognized at fair value on the acquisition date. Identifiable intangible assets are recognized separately if they arise from contractual or other legal rights or if they are separable (i.e., capable of being sold, transferred, licensed, rented, or exchanged separately from the entity). Deposit liabilities and the related depositor relationship intangible assets may be exchanged in observable exchange transactions. As a result, the depositor relationship intangible asset is considered identifiable, because the separability criterion has been met. In addition, acquisition-related costs and restructuring costs are recognized as period expenses as incurred.
Recent Accounting Standards Updates	Recent Accounting Standards Updates Accounting Standards Update (“ASU”) 2016-02, “Leases (Topic 842).” In June 2016, the FASB issued amendments to ASU 2016-13 Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments. Other accounting standards that have been issued or proposed by the FASB or other standards-setting bodies are not expected to have a material impact on the Company’s financial position, results of operations or cash flows.

INVESTMENT SECURITIES (Tables)

INVESTMENT SECURITIES (Tables)	3 Months Ended
	Mar. 31, 2019
Investment Securities
Schedule of holdings of our trading account	The following table presents the holdings of our equity securities as of March 31, 2019 and December 31, 2018: March 31, December 31, 2019 2018 (Dollars in thousands) Mutual funds $ 6,812 $ 6,178
Schedule of investment securities available for sale	The amortized cost and estimated fair values of available-for-sale (“AFS”) securities as of March 31, 2019 and December 31, 2018 are summarized as follows: March 31, 2019 Gross Gross Estimated Amortized Unrealized Unrealized Fair Cost Gains Losses Value (Dollars in thousands) U.S. Treasury & Government Agencies $ 33,918 $ 112 $ (208 ) $ 33,822 Municipal Securities 115,467 2,194 (182 ) 117,479 Mortgage-backed Securities - Guaranteed 82,467 196 (1,137 ) 81,526 Collateralized Mortgage Obligation - Guaranteed 22,194 99 (388 ) 21,905 Collateralized Mortgage Obligation - Non Guaranteed 66,842 491 (194 ) 67,139 Collateralized Loan Obligations 15,524 — (312 ) 15,212 Corporate bonds 19,920 237 (108 ) 20,049 $ 356,332 $ 3,329 $ (2,529 ) $ 357,132 December 31, 2018 Gross Gross Estimated Amortized Unrealized Unrealized Fair Cost Gains Losses Value (Dollars in thousands) U.S. Treasury & Government Agencies $ 34,068 $ 74 $ (152 ) $ 33,990 Municipal Securities 115,860 209 (1,667 ) 114,402 Mortgage-backed Securities - Guaranteed 86,664 98 (1,578 ) 85,184 Collateralized Mortgage Obligation - Guaranteed 22,492 47 (650 ) 21,889 Collateralized Mortgage Obligation - Non Guaranteed 69,774 125 (728 ) 69,171 Collateralized Loan Obligations 15,534 1 (458 ) 15,077 Corporate bonds 19,936 232 (143 ) 20,025 $ 364,328 $ 786 $ (5,376 ) $ 359,738
Unrealized Losses Related to Held to Maturity Securities Previously Recognized in Other Comprehensive Income	Information pertaining to securities with gross unrealized losses, aggregated by investment category and length of time that individual securities have been in a continuous loss position, follows: March 31, 2019 Less Than 12 Months More Than 12 Months Total Fair Unrealized Fair Unrealized Fair Unrealized (Dollars in thousands) U.S. Treasury & Government Agencies $ 22,738 $ 179 $ 2,032 $ 29 $ 24,770 $ 208 Municipal Securities — — 20,277 182 20,277 182 Mortgage-backed Securities - Guaranteed 5,987 60 54,578 1,077 60,565 1,137 Collateralized Mortgage Obligations - Guaranteed — — 15,433 388 15,433 388 Collateralized Mortgage Obligations - Non Guaranteed 2,908 25 17,739 169 20,647 194 Collateralized loan obligations 11,750 269 3,462 43 15,212 312 Corporate bonds 3,125 25 3,350 83 6,475 108 $ 46,508 $ 558 $ 116,871 $ 1,971 $ 163,379 $ 2,529 December 31, 2018 Less Than 12 Months More Than 12 Months Total Fair Unrealized Fair Unrealized Fair Unrealized (Dollars in thousands) U.S. Treasury & Government Agencies $ 23,423 $ 152 $ — $ — $ 23,423 $ 152 Municipal Securities 33,028 421 56,153 1,246 89,181 1,667 Mortgage-backed Securities - Guaranteed 27,692 370 45,619 1,208 73,311 1,578 Collateralized Mortgage Obligations - Guaranteed 2,042 19 15,294 631 17,336 650 Collateralized Mortgage Obligations - Non Guaranteed 22,383 185 30,471 543 52,854 728 Collateralized loan obligations 11,618 404 1,449 54 13,067 458 Corporate bonds 2,492 45 3,345 98 5,837 143 $ 122,678 $ 1,596 $ 152,331 $ 3,780 $ 275,009 $ 5,376
Securities Gross Unrealized Losses Position	March 31, 2019 Less Than More Than Total U.S. Treasury & Government Agencies 15 1 16 Municipal Securities — 18 18 Mortgage-backed Securities - Guaranteed 5 52 57 Collateralized Mortgage Obligations - Guaranteed — 8 8 Collateralized Mortgage Obligations - Non Guaranteed 2 13 15 Collateralized Loan Obligations 6 2 8 Corporate bonds 4 4 8 32 98 130 December 31, 2018 Less Than More Than Total U.S. Treasury & Government Agencies 14 — 14 Municipal Securities 31 52 83 Mortgage-backed Securities - Guaranteed 21 43 64 Collateralized Mortgage Obligations - Guaranteed 1 8 9 Collateralized Mortgage Obligations - Non Guaranteed 12 22 34 Collateralized Loan Obligations 6 1 7 Corporate bonds 3 4 7 88 130 218
Proceeds from Sales of Securities Available For Sale and Their Corresponding Gross Realized Gains and Losses	The Company received proceeds from sales of securities classified as AFS and corresponding gross realized gains and losses as follows for the three months ended March 31, 2018: (Dollars in thousands) Gross proceeds $ 10,009 Gross realized gains 21 Gross realized losses 33
Amortized Cost and Estimated Fair Value of Securities by Contractual Maturity	The amortized cost and estimated fair value of investments in debt securities at March 31, 2019, by contractual maturity, is shown below. Available-for-Sale Amortized Fair (Dollars in thousands) Less than 1 year $ 1,979 $ 1,981 Over 1 year through 5 years 4,570 3,207 After 5 years through 10 years 30,973 32,307 Over 10 years 147,307 149,067 184,829 186,562 Mortgage-backed securities 171,503 170,570 Total $ 356,332 $ 357,132

LOANS RECEIVABLE (Tables)

LOANS RECEIVABLE (Tables)	3 Months Ended
	Mar. 31, 2019
Loans Receivable
Loan Receivable	Loans receivable as of March 31, 2019 and December 31, 2018 are summarized as follows: March 31, December 31, 2019 2018 (Dollars in thousands) Real estate mortgage loans: One-to four-family residential $ 328,779 $ 325,560 Commercial real estate 500,600 498,106 Home equity loans and lines of credit 47,665 48,679 Residential construction 46,622 39,533 Other construction and land 99,462 104,645 Total real estate loans 1,023,128 1,016,523 Commercial and industrial 51,562 54,410 Consumer 6,494 6,842 Total commercial and consumer 58,056 61,252 Loans receivable, gross 1,081,184 1,077,775 Less: Net deferred loan fees (1,046 ) (1,000 ) Fair value discount (915 ) (1,048 ) Hedged loans basis adjustment (See Note 8) 503 245 Unamortized premium 319 333 Unamortized discount (208 ) (236 ) Loans receivable, net of deferred fees $ 1,079,837 $ 1,076,069
Activity Related to Discount on Purchased Loans	The following tables present the activity related to the discount on individually purchased loans for the three months ended March 31, 2019 and 2018: For the Three Months Ended March 31, (Dollars in thousands) 2019 2018 Discount on purchased loans, beginning of period $ 236 $ 710 Accretion (28 ) (29 ) Discount on purchased loans, end of period $ 208 $ 681
Aggregate amount of extensions of credit to executive officers and directors	The following table presents the activity related to the fair value discount on loans from business combinations for the three months ended March 31 2019, and 2018: For the Three Months Ended March 31, (Dollars in thousands) 2019 2018 Fair value discount, beginning of period $ 1,048 $ 2,012 Accretion (133 ) (266 ) Fair value discount, end of period $ 915 $ 1,746

ALLOWANCE FOR LOAN LOSSES (Tabl

ALLOWANCE FOR LOAN LOSSES (Tables)	3 Months Ended
	Mar. 31, 2019
Allowance For Loan Losses
Changes in Allowance for Loan Losses	The following tables present, by portfolio segment, the changes in the allowance for loan losses for the periods indicated: Three Months Ended March 31, 2019 One-to four Commercial Home Equity Residential Other Commercial Consumer Total (Dollars in thousands) Beginning balance $ 3,909 $ 5,130 $ 560 $ 452 $ 1,250 $ 608 $ 76 $ 11,985 Provision 34 (112 ) 255 68 (42 ) 43 (130 ) 116 Charge-offs (4 ) — (209 ) — — (59 ) (26 ) (298 ) Recoveries 20 56 — — 8 4 152 240 Ending balance $ 3,959 $ 5,074 $ 606 $ 520 $ 1,216 $ 596 $ 72 $ 12,043 Three Months Ended March 31, 2018 One-to four Commercial Home Equity Residential Other Commercial Consumer Total (Dollars in thousands) Beginning balance $ 4,018 $ 4,364 $ 616 $ 303 $ 1,025 $ 503 $ 58 $ 10,887 Provision (151 ) 229 (21 ) 150 63 128 (37 ) 361 Charge-offs (110 ) (35 ) (41 ) — — — (29 ) (215 ) Recoveries 13 3 21 — 20 5 72 134 Ending balance $ 3,770 $ 4,561 $ 575 $ 453 $ 1,108 $ 636 $ 64 $ 11,167
Investment in Loans by Portfolio Segment	The following tables present, by portfolio segment and reserving methodology, the allocation of the allowance for loan losses and the net investment in loans for the periods indicated: March 31, 2019 One-to four Commercial Home Equity Residential Other Commercial Consumer Total (Dollars in thousands) Allowance for loan losses Individually evaluated for impairment $ 148 $ 80 $ 74 $ — $ 46 $ 5 $ — $ 353 Collectively evaluated for impairment 3,811 4,994 532 520 1,170 591 72 11,690 $ 3,959 $ 5,074 $ 606 $ 520 $ 1,216 $ 596 $ 72 $ 12,043 Loans Receivable Individually evaluated for impairment $ 3,262 $ 5,994 $ 312 $ — $ 1,358 $ 271 $ — $ 11,197 Collectively evaluated for impairment 325,414 493,085 47,500 46,566 97,918 51,563 6,594 1,068,640 $ 328,676 $ 499,079 $ 47,812 $ 46,566 $ 99,276 $ 51,834 $ 6,594 $ 1,079,837 December 31, 2018 One-to four Commercial Home Equity Residential Other Commercial Consumer Total (Dollars in thousands) Allowance for loan losses Individually evaluated for impairment $ 79 $ 27 $ — $ — $ 54 $ 7 $ — $ 167 Collectively evaluated for impairment 3,830 5,103 560 452 1,196 601 76 11,818 $ 3,909 $ 5,130 $ 560 $ 452 $ 1,250 $ 608 $ 76 $ 11,985 Loans Receivable Individually evaluated for impairment $ 2,900 $ 6,019 $ 313 $ — $ 1,377 $ 276 $ — $ 10,885 Collectively evaluated for impairment 322,255 490,530 48,512 39,488 103,087 54,367 6,945 1,065,184 $ 325,155 $ 496,549 $ 48,825 $ 39,488 $ 104,464 $ 54,643 $ 6,945 $ 1,076,069
Credit Risk Profile by Rating	The following tables present the recorded investment in gross loans by loan grade as of the dates indicated: March 31, 2019 Loan Grade One-to-Four Commercial Home Equity Residential Other Commercial Consumer Total (Dollars in thousands) 1 $ — $ 7,449 $ — $ — $ — $ 1,191 $ 6 $ 8,646 2 — 10,444 — — — 904 — 11,348 3 31,789 89,877 4,839 9,562 12,292 14,717 17 163,093 4 124,622 281,883 3,719 24,186 55,743 22,044 215 512,412 5 25,610 88,755 392 2,443 17,947 12,105 4 147,256 6 318 8,185 — 1 1,280 478 — 10,262 7 646 5,491 — — 187 383 — 6,707 $ 182,985 $ 492,084 $ 8,950 $ 36,192 $ 87,449 $ 51,822 $ 242 $ 859,724 Ungraded Loan Exposure: Performing $ 144,670 $ 6,976 $ 38,519 $ 10,374 $ 11,763 $ 12 $ 6,351 $ 218,665 Nonperforming 1,021 19 343 — 64 — 1 1,448 Subtotal $ 145,691 $ 6,995 $ 38,862 $ 10,374 $ 11,827 $ 12 $ 6,352 $ 220,113 Total $ 328,676 $ 499,079 $ 47,812 $ 46,566 $ 99,276 $ 51,834 $ 6,594 $ 1,079,837 December 31, 2018 Loan Grade One-to-Four Commercial Home Equity Residential Other Commercial Consumer Total (Dollars in thousands) 1 $ — $ 7,569 $ — $ — $ — $ 1,264 $ 7 $ 8,840 2 — 7,860 — — — 20 — 7,880 3 31,623 87,756 5,212 9,365 12,111 15,685 264 162,016 4 121,688 280,630 4,014 18,358 61,646 22,374 245 508,955 5 24,738 88,698 615 3,404 17,630 12,307 5 147,397 6 321 7,867 — 1 1,303 495 — 9,987 7 674 5,725 — — 376 487 — 7,262 $ 179,044 $ 486,105 $ 9,841 $ 31,128 $ 93,066 $ 52,632 $ 521 $ 852,337 Ungraded Loan Exposure: Performing $ 145,470 $ 10,420 $ 38,806 $ 8,360 $ 11,334 $ 2,011 $ 6,424 $ 222,825 Nonperforming 641 24 178 — 64 — — 907 Subtotal $ 146,111 $ 10,444 $ 38,984 $ 8,360 $ 11,398 $ 2,011 $ 6,424 $ 223,732 Total $ 325,155 $ 496,549 $ 48,825 $ 39,488 $ 104,464 $ 54,643 $ 6,945 $ 1,076,069
Aging Analysis of Recorded Investment of Past-Due Financing Receivables	The following tables include an aging analysis of the recorded investment of past-due financing receivables by class. The Company does not accrue interest on loans greater than 90 days past due. March 31, 2019 30-59 Days 60-89 Days 90 Days Total Current Total Loans (Dollars in thousands) One-to-four family residential $ 4,364 $ — $ 251 $ 4,615 $ 324,061 $ 328,676 Commercial real estate 4,291 119 1,515 5,925 493,154 499,079 Home equity and lines of credit 159 — 343 502 47,310 47,812 Residential construction 350 — 1 351 46,215 46,566 Other construction and land 129 — 64 193 99,083 99,276 Commercial 283 — 62 345 51,489 51,834 Consumer 35 3 1 39 6,555 6,594 Total $ 9,611 $ 122 $ 2,237 $ 11,970 $ 1,067,867 $ 1,079,837 December 31, 2018 30-59 Days 60-89 Days 90 Days Total Current Total Loans (Dollars in thousands) One-to-four family residential $ 3,562 $ 1,317 $ 84 $ 4,963 $ 320,192 $ 325,155 Commercial real estate 2,615 — 1,782 4,397 492,152 496,549 Home equity and lines of credit 400 457 73 930 47,895 48,825 Residential construction — — 1 1 39,487 39,488 Other construction and land 613 32 64 709 103,755 104,464 Commercial 307 25 121 453 54,190 54,643 Consumer 27 4 — 31 6,914 6,945 Total $ 7,524 $ 1,835 $ 2,125 $ 11,484 $ 1,064,585 $ 1,076,069
Summary of Average Impaired Loans	The following table presents investments in loans considered to be impaired and related information on those impaired loans as of March 31, 2019 and December 31, 2018. March 31, 2019 December 31, 2018 Recorded Unpaid Specific Recorded Unpaid Specific (Dollars in thousands) Loans without a valuation allowance One-to-four family residential $ 2,324 $ 2,475 $ — $ 845 $ 923 $ — Commercial real estate 3,925 6,271 — 3,835 6,207 — Home equity and lines of credit 213 328 — 283 283 — Other construction and land 549 683 — 365 366 — $ 7,011 $ 9,757 $ — $ 5,328 $ 7,779 $ — Loans with a valuation allowance One-to-four family residential $ 938 $ 938 $ 148 $ 2,055 $ 2,055 $ 79 Commercial real estate 2,069 2,069 80 2,184 2,184 27 Home equity and lines of credit 99 99 74 30 30 — Other construction and land 809 809 46 1,012 1,012 54 Commercial 271 271 5 276 276 7 $ 4,186 $ 4,186 $ 353 $ 5,557 $ 5,557 $ 167 Total One-to-four family residential $ 3,262 $ 3,413 $ 148 $ 2,900 $ 2,978 $ 79 Commercial real estate 5,994 8,340 80 6,019 8,391 27 Home equity and lines of credit 312 427 74 313 313 — Other construction and land 1,358 1,492 46 1,377 1,378 54 Commercial 271 271 5 276 276 7 $ 11,197 $ 13,943 $ 353 $ 10,885 $ 13,336 $ 167
Financing Receivables on Nonaccrual Status	The following table presents average impaired loans and interest income recognized on those impaired loans, by class segment, for the periods indicated: Three Months Ended March 31, 2019 2018 Average Interest Income Average Interest Income (Dollars in thousands) Loans without a valuation allowance One-to four-family residential $ 2,483 $ 29 $ 1,877 $ 29 Commercial real estate 6,272 37 5,613 31 Home equity and lines of credit 328 15 427 14 Other construction and land 685 5 699 5 $ 9,768 $ 86 $ 8,616 $ 79 Loans with a valuation allowance One-to four-family residential $ 937 $ 8 $ 1,621 $ 16 Commercial real estate 2,155 23 1,693 23 Home equity and lines of credit 99 2 — — Other construction and land 819 12 1,724 9 Commercial 274 6 290 5 $ 4,284 $ 51 $ 5,328 $ 53 Total One-to four-family residential $ 3,420 $ 37 $ 3,498 $ 45 Commercial real estate 8,427 60 7,306 54 Home equity and lines of credit 427 17 427 14 Other construction and land 1,504 17 2,423 14 Commercial 274 6 290 5 $ 14,052 $ 137 $ 13,944 $ 132
Schedule of Nonperforming Loans	The following table summarizes the balances of nonperforming loans as of March 31, 2019 and December 31, 2018. March 31, December 31, (Dollars in thousands) One-to-four family residential $ 1,394 $ 1,037 Commercial real estate 2,854 3,266 Home equity loans and lines of credit 343 178 Residential construction 1 — Other construction and land 251 256 Commercial 62 120 Consumer 1 — Non-performing loans $ 4,906 $ 4,857
Summary of TDR Loans	The following tables summarize TDR loans as of the dates indicated: March 31, 2019 Performing Nonperforming Total TDRs TDRs TDRs (Dollars in thousands) One-to-four family residential $ 2,138 $ 358 $ 2,496 Commercial real estate 3,912 1,212 5,124 Home equity and lines of credit 313 — 313 Other construction and land 1,170 187 1,357 Commercial 271 — 271 $ 7,804 $ 1,757 $ 9,561 December 31, 2018 Performing Nonperforming Total TDRs TDRs TDRs (Dollars in thousands) One-to-four family residential $ 2,154 $ 361 $ 2,515 Commercial real estate 3,690 1,462 5,152 Home equity and lines of credit 283 30 313 Other construction and land 1,185 192 1,377 Commercial 276 — 276 $ 7,588 $ 2,045 $ 9,633

GOODWILL AND OTHER INTANGIBLE_2

GOODWILL AND OTHER INTANGIBLE ASSETS (Tables)	3 Months Ended
	Mar. 31, 2019
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule of gross carrying amounts and accumulated amortization of core deposit intangibles	The following is a summary of gross carrying amounts and accumulated amortization of core deposit intangibles: As of and for the As of and for the March 31, December 31, 2019 2018 Dollars in thousands Gross balance at beginning of period $ 4,840 $ 4,840 Additions from acquisitions — — Gross balance at end of period 4,840 4,840 Less accumulated amortization (1,436 ) (1,263 ) Core deposit intangible, net $ 3,404 $ 3,577

DEPOSITS (Tables)

DEPOSITS (Tables)	3 Months Ended
	Mar. 31, 2019
Disclosure Deposits Tables Abstract
Summary of Deposit Balances and Interest Expenses	The following table summarizes deposit balances and interest expense by type of deposit as of and for the three months ended March 31, 2019 and 2018 and the year ended December 31, 2018. As of and for the As of and for the Year Ended Three Months Ended March 31, December 31, 2019 2018 2018 (Dollars in thousands) Balance Interest Balance Interest Balance Interest Noninterest-bearing demand $ 194,562 $ — $ 192,916 $ — $ 184,404 $ — Interest-bearing demand 198,516 98 206,530 87 209,085 374 Money Market 390,839 1,138 336,625 366 356,086 2,637 Savings 49,996 14 52,162 15 50,716 59 Time Deposits 412,306 1,676 417,675 914 420,949 5,048 $ 1,246,219 $ 2,926 $ 1,205,908 $ 1,382 $ 1,221,240 $ 8,118
Summary of wholesale deposits included in the money market and time deposits amounts	The following table indicates wholesale deposits included in the money market and time deposits amounts above: As of March 31, As of December 31, 2019 2018 2018 (Dollars in thousands) Balance Balance Balance Wholesale money market $ 5,063 $ 25,026 $ 5,030 Wholesale time deposits 72,259 56,232 70,978 $ 77,322 $ 81,258 $ 76,008

BORROWINGS (Tables)

BORROWINGS (Tables)	3 Months Ended
	Mar. 31, 2019
Borrowings
Scheduled maturities of FHLB advances and respective weighted average rates	The scheduled maturities and respective weighted average rates of outstanding FHLB advances are as follows for the dates indicated: March 31, 2019 December 31, 2018 Year of Balance Weighted Balance Weighted (Dollars in thousands) 2019 163,500 2.59 % 168,500 2.52 % 2020 45,000 2.80 % 45,000 2.80 % 2024 5,000 2.81 % — — $ 213,500 2.64 % $ 213,500 2.58 %

DERIVATIVE FINANCIAL INSTRUME_2

DERIVATIVE FINANCIAL INSTRUMENTS AND HEDGING ACTIVITIES (Tables)	3 Months Ended
	Mar. 31, 2019
Derivative Financial Instruments And Hedging Activities
Schedule of fair value of the Company's derivative financial instruments	The table below presents the fair value of the Company’s derivative financial instruments as of the dates indicated as well as their classification on the consolidated balance sheets (in thousands). Derivative Assets (1) Derivative Liabilities (1) March 31, December 31, March 31, December 31, 2019 2018 2019 2018 Derivatives designated as hedging instruments: Interest rate swaps $ 260 $ 354 $ 861 $ 462 Total $ 260 $ 354 $ 861 $ 462 Derivatives not designated as hedging instruments: Mortgage derivatives $ 45 $ 34 $ 21 $ 22 Total $ 45 $ 34 $ 21 $ 22 (1) All derivative assets are located in “Other assets” on the consolidated balance sheets and all derivative liabilities are located in “Other liabilities” on the consolidated balance sheets.
Schedule of Cash Flow Hedges Included in Statement of Income	The table below presents the effect of fair value and cash flow hedge accounting on the consolidated statements of income: Derivatives Designated as Hedging Instrument s Three Months Ended March 31, 2019 2018 (dollars in thousands) Interest Interest Interest Interest Total amounts of income and expense line items presented in the consolidated statements of income $ 16,542 $ 4,589 $ 14,842 $ 2,449 Amounts related to fair value hedging relationships Interest rate swaps: Hedged items 259 — — — Derivatives designated as hedging instruments (274 ) — — — Amounts related to cash flow hedging relationships Interest rate swaps: Amount reclassified from accumulated other comprehensive loss into income — (65 ) — (56 )
Schedule of Fair value Hedges recorded on the balance sheet related to cumulative basis adjustments	As of March 31, 2019, the following amounts were recorded on the balance sheet related to cumulative basis adjustments for fair value hedges: (dollars in thousands) Carrying amount of the Cumulative amount of fair Line item in the balance sheet in which the hedged item is included March 31, March 31, Loans receivable (1) $ 97,891 $ 503 (1) These amounts include the amortized cost basis of the closed portfolio used to designate the hedging relationship in which the hedged item is the last layer expected to be remaining at the end of the hedging relationship. At March 31, 2019, the amortized cost basis of the closed portfolio used in the the hedging relationship was $97.9 million, the cumulative basis adjustment associated with the hedging relationship was $0.5 million, and the amount of the designated hedged item was $25.0 million.
Schedule of Structure of the Swap Agreements	The structures of the swap agreements designated as cash flow hedges are described in the table below (dollars in thousands): Underlyings Designation Notional Payment Provision Life of Swap Contract Junior Subordinated Debt Cash Flow Hedge $ 14,000 Pay 0.958%/Receive 3 month LIBOR 4 yrs Junior Subordinated Debt Cash Flow Hedge $ 14,000 Pay 3.02%/Receive 3 month LIBOR 3 yrs
Schedule of derivatives in cash flow hedging	The table below presents the effect of the Company's derivatives in cash flow hedging relationships for the periods presented (dollars in thousands): As of and for the Three Months As of and for the Year Interest rate swaps Location 2019 2018 2018 Amounts recognized in AOCI on derivatives OCI $ (159 ) $ 202 $ 2 Amounts reclassified from AOCI into income Interest expense (65 ) (56 ) (431 ) Amounts recognized in consolidated statement of comprehensive income $ (224 ) $ 146 $ (429 )
Schedule of Company's IRLCs and forward commitments for the future delivery of residential mortgage loans	Mortgage derivative fair value assets and liabilities are described above. At March 31, 2019 and December 31, 2018, the Company had the following IRLCs and forward commitments for the future delivery of residential mortgage loans. As of As of (Dollars in thousands) 2019 2018 Mortgage derivatives Interest rate lock commitments $ 2,736 $ 1,627 Forward sales commitment 4,250 3,500 The table below presents the effect of the Company's derivatives not designated as hedging instruments for the periods presented: Three Months Ended March 31, Interest rate products Location 2019 2018 (Dollars in thousands) Amount of (loss) gain recognized in income on forward commitments Noninterest income $ (38 ) $ 10 Amount of gain recognized in income on interest rate lock commitments Noninterest income 11 17 Amount of gain (loss) recognized in income on derivatives not designated as hedging instruments $ (27 ) $ 27

INCOME TAXES (Tables)

INCOME TAXES (Tables)	3 Months Ended
	Mar. 31, 2019
Income Taxes
Schedule of Components of Income Tax Expense (Benefit)	The components of net deferred taxes as of March 31, 2019 and December 31, 2018 are summarized as follows: As of As of 2019 2018 (Dollars in thousands) Deferred tax assets: Allowance for loan losses $ 2,729 $ 2,703 Deferred compensation and post-employment benefits 1,874 1,854 Non-accrual interest 251 245 Valuation reserve for other real estate 198 191 North Carolina NOL carryover 233 293 Federal NOL carryover 554 1,231 AMT credit carryover — 316 General federal business credit carryover 826 691 Unrealized losses on securities 581 1,061 Loan basis differences 46 50 Fixed assets 131 123 Core deposit intangible 148 129 Derivative instruments 21 — Other 1,122 1,207 Total deferred tax assets 8,714 10,094 Deferred tax liabilities: Loan servicing rights 633 653 Goodwill 581 495 Core deposit intangible 70 74 Deferred loan costs 1,014 1,001 Prepaid expenses 14 14 Unrealized gains on securities 961 105 Derivative instruments 6 29 Investment in partnerships 170 155 Other — 17 Total deferred tax liabilities 3,449 2,543 Net deferred tax asset $ 5,265 $ 7,551
Schedule of Unused net operating losses and expiration dates	The following table summarizes the amount and expiration dates of the Company’s unused net operating losses and other carryforwards as of March 31, 2019: As of September, 2017 (Dollars in thousands) Amount Expiration Dates Federal $ 2,803 2032-2037 North Carolina $ 13,708 2026-2029 Federal General Business Carryforwards $ 826 2037-2039

EARNINGS PER SHARE (Tables)

EARNINGS PER SHARE (Tables)	3 Months Ended
	Mar. 31, 2019
Disclosure Earnings Per Share Tables Abstract
Schedule of reconciliation of average shares outstanding	The following is a reconciliation of the numerator and denominator of basic and diluted net income per share of common stock as of the dates indicated: Three Months Ended (Dollars in thousands, except per share amounts) 2019 2018 Numerator: Net income $ 3,815 $ 3,582 Denominator: Weighted-average common shares outstanding - basic 6,918,769 6,885,911 Effect of dilutive securities: Stock options 6,960 96,871 Restricted stock units 17,538 45,102 Weighted-average common shares outstanding - diluted 6,943,267 7,027,884 Earnings per share - basic $ 0.55 $ 0.52 Earnings per share - diluted $ 0.55 $ 0.51

ACCUMULATED OTHER COMPREHENSI_2

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (Tables)	3 Months Ended
	Mar. 31, 2019
Accumulated Other Comprehensive Income Loss
Schedule of Accumulated other comprehensive income (loss)	The following table summarizes the components of accumulated other comprehensive income (loss) and changes in those components as of and for the three months ended March 31, 2019 and 2018. Three Months Ended March 31, 2019 (Dollars in thousands) Available Cash Flow Total Balance, beginning of period $ (3,528 ) $ 104 $ (3,424 ) Change in deferred tax valuation allowance attributable to net unrealized losses on investment securities available for sale — — — Change in net unrealized holding losses on securities available for sale 5,390 — 5,390 Reclassification adjustment for net securities losses realized in net income — — — Change in unrealized holding gains on cash flow hedge — (159 ) (159 ) Reclassification adjustment for cash flow hedge effectiveness — (65 ) (65 ) Income tax effect (1,244 ) 47 (1,197 ) Balance, end of period $ 618 $ (73 ) $ 545 Three Months Ended March 31, 2018 (Dollars in thousands) Balance, beginning of period $ (455 ) $ 432 $ (23 ) Change in deferred tax valuation allowance attributable to net unrealized losses on investment securities available for sale — — — Change in net unrealized holding losses on securities available for sale (4,505 ) — (4,505 ) Reclassification adjustment for net securities losses realized in net income 12 — 12 Change in unrealized holding gains on cash flow hedge — 202 202 Reclassification adjustment for cash flow hedge effectiveness — (56 ) (56 ) Cumulative effect of change in accounting principle 9 — 9 Income tax effect 996 (31 ) 965 Balance, end of period $ (3,943 ) $ 547 $ (3,396 )
Schedule of Consolidated Statements of Operations affected by amounts reclassified from accumulated other comprehensive income (loss)	The following table shows the line items in the Consolidated Statements of Income affected by amounts reclassified from accumulated other comprehensive income as of the dates indicated: Three Months Ended (Dollars in thousands) 2019 2018 Income Statement Line Item Affected Available-for-sale securities Losses recognized $ — $ (12 ) Loss on sale of investments, net Income tax effect — 3 Income tax expense Reclassified out of AOCI, net of tax — (9 ) Net income Cash flow hedge Interest expense - effective portion — 30 Interest expense - FHLB advances Interest expense - effective portion 65 26 Interest expense - Junior subordinated notes Income tax effect (15 ) (13 ) Income tax expense Reclassified out of AOCI, net of tax 50 43 Net income Total reclassified out of AOCI, net of tax $ 50 $ 34 Net income

COMMITMENTS AND CONTINGENCIES (

COMMITMENTS AND CONTINGENCIES (Tables)	3 Months Ended
	Mar. 31, 2019
Commitments And Contingencies
Schedule of commitments to fund lines of credit	The following summarizes the Company’s approximate commitments to extend credit: March 31, 2019 (Dollars in thousands) Lines of credit $ 175,353 Standby letters of credit 1,011 $ 176,364
Schedule of Outstanding commitments to originate mortgage loans	The Company had outstanding commitments to originate loans as follows: March 31, 2019 Amount Range of Rates (Dollar in thousands) Fixed $ 24,709 4.25% to 12.00% Variable 9,323 3.38% to 8.00% $ 34,032

FAIR VALUE DISCLOSURES (Tables)

FAIR VALUE DISCLOSURES (Tables)	3 Months Ended
	Mar. 31, 2019
Fair Value Disclosures
Summary of assets and liabilities measured at fair value on a recurring basis	The following tables present financial assets and financial liabilities measured at fair value on a recurring basis at the dates indicated, segregated by the level of valuation inputs within the fair value hierarchy utilized to measure fair value: March 31, 2019 Level 1 Level 2 Level 3 Total (Dollars in thousands) Assets: Equity securities $ 6,812 $ — $ — $ 6,812 Securities available for sale: U.S. Treasury & Government Agencies 4,991 28,831 — 33,822 Municipal Securities — 117,479 — 117,479 Mortgage-backed Securities - Guaranteed — 81,526 — 81,526 Collateralized Mortgage Obligations - Guaranteed — 21,905 — 21,905 Collateralized Mortgage Obligations - Non Guaranteed — 67,139 — 67,139 Collateralized Loan Obligations — 15,212 15,212 Corporate bonds — 19,556 493 20,049 Total securities available for sale 4,991 351,648 493 357,132 Mortgage loans held for sale — — 3,270 3,270 Loan servicing rights — — 2,753 2,753 Interest rate swaps — 260 — 260 Mortgage derivatives — — 45 45 Total recurring assets at fair value $ 11,803 $ 351,908 $ 6,561 $ 370,272 Liabilities: Interest rate swaps $ — $ 861 $ — $ 861 Mortgage derivatives — — 21 21 Total recurring liabilities at fair value $ — $ 861 $ 21 $ 882 December 31, 2018 Level 1 Level 2 Level 3 Total (Dollars in thousands) Assets: Equity securities $ 6,178 $ — $ — $ 6,178 Securities available for sale: U.S. Treasury & Government Agencies 4,949 29,041 — 33,990 Municipal Securities — 114,402 — 114,402 Mortgage-backed Securities - Guaranteed — 85,184 — 85,184 Collateralized Mortgage Obligations - Guaranteed — 21,889 — 21,889 Collateralized Mortgage Obligations - Non Guaranteed — 69,171 — 69,171 Collateralized Loan Obligations — 15,077 15,077 Corporate bonds — 19,532 493 20,025 Total securities available for sale 4,949 354,296 493 359,738 Mortgage loans held for sale — — 2,431 2,431 Loan servicing rights — — 2,837 2,837 Interest rate swaps — 354 — 354 Mortgage derivatives — — 34 34 Total recurring assets at fair value $ 11,127 $ 354,650 $ 5,795 $ 371,572 Liabilities: Interest rate swaps $ — $ 462 $ — $ 462 Mortgage derivatives — — 22 22 Total recurring liabilities at fair value $ — $ 462 $ 22 $ 484
Schedule of changes in assets measured at fair value on a recurring basis	The following table presents the changes in assets and liabilities measured at fair value on a recurring basis for which we have utilized Level 3 inputs to determine fair value: Three Months Ended March 31, 2019 2018 (Dollars in thousands) Balance at beginning of period $ 5,773 $ 3,321 AFS securities Transfer to Level 2 — 1,331 Mortgage loans held for sale 839 — Loan servicing right activity, included in servicing income, net Capitalization from loans sold 47 100 Fair value adjustment (131 ) (130 ) Mortgage derivative gains (losses) included in other income 12 27 Balance at end of period $ 6,540 $ 4,649
Summary of assets and liabilities measured at a fair value on a nonrecurring basis	The following table presents nonfinancial assets measured at fair value on a nonrecurring basis at the dates indicated, segregated by the level of the valuation inputs within the fair value hierarchy utilized to measure fair value: March 31, 2019 Level 1 Level 2 Level 3 Total (Dollars in thousands) Collateral dependent impaired loans: One-to four family residential $ — $ — $ 2,324 $ 2,324 Commercial real estate — — 3,925 3,925 Home equity loans and lines of credit — — 213 213 Other construction and land — — 549 549 Real estate owned: Commercial real estate — — 949 949 Other construction and land — — 1,307 1,307 Total assets $ — $ — $ 9,267 $ 9,267 December 31, 2018 Level 1 Level 2 Level 3 Total (Dollars in thousands) Collateral dependent impaired loans: One-to-four family residential $ — $ — $ 845 $ 845 Commercial real estate — — 3,835 3,835 Home equity loans and lines of credit — — 283 283 Other construction and land — — 365 365 Real estate owned: One-to-four family residential — — 228 228 Commercial real estate — — 949 949 Other construction and land — — 1,316 1,316 Total assets $ — $ — $ 7,821 $ 7,821
Schedule of significant unobservable inputs used in the fair value measurements	The following table provides information describing the unobservable inputs used in Level 3 fair value measurements at March 31, 2019. Valuation Technique Unobservable Input General Range Impaired loans Discounted Appraisals Collateral discounts and estimated selling cost 0% - 30% Real estate owned Discounted Appraisals Collateral discounts and estimated selling cost 0% - 30% Corporate bonds Discounted Cash Flows Recent trade pricing 0% -10% Loan servicing rights Discounted Cash Flows Prepayment speed 9% - 20% Discount rate 10% - 14% Mortgage loans held for sale External pricing model Recent trade pricing 101% - 103% Mortgage derivatives External pricing model Pull-through rate 78%-100% SBIC Indicative value provided by fund Current operations and financial condition N/A
Schedule of carrying amount and estimated fair value of the Company's financial instruments	The following table includes the estimated fair value of the Company's financial assets and financial liabilities at the dates indicated: Fair Value Measurements at March 31, 2019 Carrying (Dollars in thousands) Amount Total Level 1 Level 2 Level 3 Assets: Cash and equivalents $ 98,285 $ 98,285 $ 98,285 $ — $ — Equity securities 6,812 6,812 6,812 — — Securities available for sale 357,132 357,132 4,991 351,648 493 Loans held for sale 9,208 9,885 — 6,615 3,270 Loans receivable, net 1,079,837 1,046,136 — — 1,046,552 Other investments, at cost 12,092 12,092 — 12,092 — Accrued interest receivable 6,669 6,669 — 6,669 — BOLI 32,087 32,087 — 32,087 — Loan servicing rights 2,753 2,753 — — 2,753 Mortgage derivatives 45 45 — — 45 Interest rate swaps 260 260 — 260 — SBIC investments 4,306 4,306 — — 4,306 Liabilities: Demand deposits $ 833,913 $ 833,913 $ — $ 833,913 $ — Time deposits 412,306 416,631 — — 416,631 Federal Home Loan Bank advances 213,500 213,249 — 213,249 — Junior subordinated debentures 14,433 13,720 — 13,720 — Other borrowings 9,385 9,572 — 9,572 — Accrued interest payable 1,173 1,173 — 1,173 — Mortgage derivatives 21 21 — — 21 Interest rate swaps 861 861 — 861 — Fair Value Measurements at December 31, 2018 Carrying (Dollars in thousands) Amount Total Level 1 Level 2 Level 3 Assets: Cash and equivalents $ 69,119 $ 69,119 $ 69,119 $ — $ — Equity securities 6,178 6,178 6,178 — — Securities available for sale 359,739 359,739 4,949 354,297 493 Loans held for sale 7,570 8,114 — 5,683 2,431 Loans receivable, net 1,076,069 1,046,136 — — 1,046,136 Other investments, at cost 12,039 12,039 — 12,039 — Accrued interest receivable 6,443 6,443 — 6,443 — BOLI 32,886 32,886 — 32,886 — Loan servicing rights 2,837 2,837 — — 2,837 Mortgage derivatives 34 34 — — 34 Interest rate swaps 354 354 — 354 — SBIC investments 3,839 3,839 — — 3,839 Liabilities: Demand deposits $ 800,291 $ 800,291 $ — $ 800,291 $ — Time deposits 420,949 424,054 — — 424,054 Federal Home Loan Bank advances 213,500 213,513 — 213,513 — Junior subordinated debentures 14,433 12,440 — 12,440 — Other borrowings 9,299 9,253 — 9,253 — Accrued interest payable 1,647 1,647 — 1,647 — Mortgage derivatives 22 22 — — 22 Interest rate swaps 462 462 — 462 —

LEASES (Tables)

LEASES (Tables)	3 Months Ended
	Mar. 31, 2019
Leases
Schedule of Future minimum lease payments	Maturities of lease liabilities as of March 31, 2019 were as follows: (Dollard in thousands) Operating 2019 $ 107 2020 69 2021 53 2022 53 2023 53 Thereafter 177 Total undiscounted lease payments 512 Discount effect of cash flows (68 ) Total lease liability $ 444

ORGANIZATION (Details Narrative

ORGANIZATION (Details Narrative)	Mar. 31, 2019
Disclosure Organization Details Narrative Abstract
Ownership percentage in Macon Capital Trust I	100.00%

INVESTMENT SECURITIES (Details)

INVESTMENT SECURITIES (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Mutual funds	$ 6,812	$ 6,178
Amortized Cost	356,332	364,328
Gross Unrealized Gains	3,329	786
Gross Unrealized Losses	(2,529)	(5,376)
Estimated fair value	357,132	359,738
U.S. Government Agencies [Member]
Amortized Cost	33,918	34,068
Gross Unrealized Gains	112	74
Gross Unrealized Losses	(208)	(152)
Estimated fair value	33,822	33,990
Municipal Securities [Member]
Amortized Cost	115,467	115,860
Gross Unrealized Gains	2,194	209
Gross Unrealized Losses	(182)	(1,667)
Estimated fair value	117,479	114,402
Mortgage-backed Securities - Guaranteed [Member]
Amortized Cost	82,467	86,664
Gross Unrealized Gains	196	98
Gross Unrealized Losses	(1,137)	(1,578)
Estimated fair value	81,526	85,184
Collateralized Mortgage Obligations - Guaranteed [Member]
Amortized Cost	22,194	22,492
Gross Unrealized Gains	99	47
Gross Unrealized Losses	(388)	(650)
Estimated fair value	21,905	21,889
Collateralized Mortgage Obligations - Non Guaranteed [Member]
Amortized Cost	66,842	69,774
Gross Unrealized Gains	491	125
Gross Unrealized Losses	(194)	(728)
Estimated fair value	67,139	69,171
Collateralized mortgage obligations [Member]
Amortized Cost	15,524	15,534
Gross Unrealized Gains		1
Gross Unrealized Losses	(312)	(458)
Estimated fair value	15,212	15,077
Corporate debt securities [Member]
Amortized Cost	19,920	19,936
Gross Unrealized Gains	237	232
Gross Unrealized Losses	(108)	(143)
Estimated fair value	$ 20,049	$ 20,025

INVESTMENT SECURITIES (Details

INVESTMENT SECURITIES (Details 2) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Held to maturity, Less Than 12 Months Fair Value	$ 32	$ 88
Held to maturity, Over 12 Months Fair Value	98	130
Held to maturity, Fair Value	130	218
Available for sale, Less Than 12 Months Fair Value	46,508	122,678
Available for sale, Less Than 12 Months Unrealized Losses	558	1,596
Available for sale, Over 12 Months Fair Value	116,871	152,331
Available for sale, Over 12 Months Unrealized Losses	1,971	3,780
Available for sale, Fair Value	163,379	275,009
Available for sale, Unrealized Losses	2,529	5,376
U.S. Government Agencies [Member]
Held to maturity, Less Than 12 Months Fair Value	15	14
Held to maturity, Over 12 Months Fair Value	1
Held to maturity, Fair Value	16	14
Available for sale, Less Than 12 Months Fair Value	22,738	23,423
Available for sale, Less Than 12 Months Unrealized Losses	179	152
Available for sale, Over 12 Months Fair Value	2,032
Available for sale, Over 12 Months Unrealized Losses	29
Available for sale, Fair Value	24,770	23,423
Available for sale, Unrealized Losses	208	152
Municipal Securities [Member]
Held to maturity, Less Than 12 Months Fair Value		31
Held to maturity, Over 12 Months Fair Value	18	52
Held to maturity, Fair Value	18	83
Available for sale, Less Than 12 Months Fair Value		33,028
Available for sale, Less Than 12 Months Unrealized Losses		421
Available for sale, Over 12 Months Fair Value	20,277	56,153
Available for sale, Over 12 Months Unrealized Losses	182	1,246
Available for sale, Fair Value	20,277	89,181
Available for sale, Unrealized Losses	182	1,667
Mortgage-backed Securities - Guaranteed [Member]
Held to maturity, Less Than 12 Months Fair Value	5	21
Held to maturity, Over 12 Months Fair Value	52	43
Held to maturity, Fair Value	57	64
Available for sale, Less Than 12 Months Fair Value	5,987	27,692
Available for sale, Less Than 12 Months Unrealized Losses	60	370
Available for sale, Over 12 Months Fair Value	54,578	45,619
Available for sale, Over 12 Months Unrealized Losses	1,077	1,208
Available for sale, Fair Value	60,565	73,311
Available for sale, Unrealized Losses	1,137	1,578
Collateralized Mortgage Obligations - Guaranteed [Member]
Held to maturity, Less Than 12 Months Fair Value		1
Held to maturity, Over 12 Months Fair Value	8	8
Held to maturity, Fair Value	8	9
Available for sale, Less Than 12 Months Fair Value		2,042
Available for sale, Less Than 12 Months Unrealized Losses		19
Available for sale, Over 12 Months Fair Value	15,433	15,294
Available for sale, Over 12 Months Unrealized Losses	388	631
Available for sale, Fair Value	15,433	17,336
Available for sale, Unrealized Losses	388	650
Collateralized Mortgage Obligations - Non Guaranteed [Member]
Held to maturity, Less Than 12 Months Fair Value	2	12
Held to maturity, Over 12 Months Fair Value	13	22
Held to maturity, Fair Value	15	34
Available for sale, Less Than 12 Months Fair Value	2,908	22,383
Available for sale, Less Than 12 Months Unrealized Losses	25	185
Available for sale, Over 12 Months Fair Value	17,739	30,471
Available for sale, Over 12 Months Unrealized Losses	169	543
Available for sale, Fair Value	20,647	52,854
Available for sale, Unrealized Losses	194	728
Collateralized mortgage obligations [Member]
Held to maturity, Less Than 12 Months Fair Value	6	6
Held to maturity, Over 12 Months Fair Value	2	1
Held to maturity, Fair Value	8	7
Available for sale, Less Than 12 Months Fair Value	11,750	11,618
Available for sale, Less Than 12 Months Unrealized Losses	269	404
Available for sale, Over 12 Months Fair Value	3,462	1,449
Available for sale, Over 12 Months Unrealized Losses	43	54
Available for sale, Fair Value	15,212	13,067
Available for sale, Unrealized Losses	312	458
Corporate debt securities [Member]
Held to maturity, Less Than 12 Months Fair Value	4	3
Held to maturity, Over 12 Months Fair Value	4	4
Held to maturity, Fair Value	8	7
Available for sale, Less Than 12 Months Fair Value	3,125	2,492
Available for sale, Less Than 12 Months Unrealized Losses	25	45
Available for sale, Over 12 Months Fair Value	3,350	3,345
Available for sale, Over 12 Months Unrealized Losses	83	98
Available for sale, Fair Value	6,475	5,837
Available for sale, Unrealized Losses	$ 108	$ 143

INVESTMENT SECURITIES (Detail_2

INVESTMENT SECURITIES (Details 3) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Dec. 31, 2018
Gross proceeds		$ 10,009
Securities pledged against deposits	159,800		$ 155,800
Available-for-sale Securities [Member]
Gross proceeds		10,009
Gross realized gains		21
Gross realized losses		$ 33

INVESTMENT SECURITIES (Detail_3

INVESTMENT SECURITIES (Details 4) $ in Thousands	Mar. 31, 2019USD ($)
Disclosure Investment Securities Details Abstract
Available for sale, Less than 1 year, Amortized Cost	$ 1,979
Available for sale, Over 1 year through 5 years, Amortized Cost	4,570
Available for sale, After 5 years through 10 years, Amortized Cost	30,973
Available for sale, Over 10 years, Amortized Cost	147,307
Available for sale, Before Amortized Cost Available for sale, Mortgage-backed securities, Amortized Cost	184,829
Available for sale, Mortgage-backed securities, Amortized Cost	171,503
Available for sale, Total, Amortized Cost	356,332
Available for Sale, Less than 1 year, Fair Value	1,981
Available for Sale, Over 1 year through 5 years, Fair Value	3,207
Available for Sale, After 5 years through 10 years, Fair Value	32,307
Available for Sale, Over 10 years, Fair Value	149,067
Available for sale, Before Amortized Cost Available for sale, Mortgage-backed securities, Fair Value	186,562
Available for Sale, Mortgage-backed securities, Fair Value	170,570
Available for Sale, Total, Fair Value	$ 357,132

LOANS RECEIVABLE (Details)

LOANS RECEIVABLE (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018	Mar. 31, 2018	Dec. 31, 2017
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, gross	$ 1,081,184	$ 1,077,775
Less: Net deferred loan fees	(1,046)	(1,000)
Fair value discount	(915)	(1,048)	$ (1,746)	$ (2,012)
Hedged loans basis adjustment	503	245
Unamortized premium	319	333
Unamortized discount	(208)	(236)
Loans receivable	1,079,837	1,076,069
One To Four Family Residential [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, gross	328,779	325,560
Loans receivable	328,676	325,155
Commercial Real Estate Portfolio Segment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, gross	500,600	498,106
Loans receivable	499,079	496,549
Home Equity Line of Credit [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, gross	47,665	48,679
Loans receivable	47,812	48,825
Residential Construction [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, gross	46,622	39,533
Loans receivable	46,566	39,488
Other Portfolio Segment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, gross	99,462	104,645
Loans receivable	99,276	104,464
Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, gross	1,023,128	1,016,523
Commercial Portfolio Segment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, gross	51,562	54,410
Loans receivable	51,834	54,643
Consumer Portfolio Segment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, gross	6,494	6,842
Loans receivable	6,594	6,945
Commercial and Consumer Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, gross	$ 58,056	$ 61,252

LOANS RECEIVABLE (Details 2)

LOANS RECEIVABLE (Details 2) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Discount on purchased loans, beginning of period	$ 1,000
Discount on purchased loans, end of period	1,046
Federal Deposit Insurance Corporation [Member]
Discount on purchased loans, beginning of period	236	$ 710
Accretion	(28)	(29)
Discount on purchased loans, end of period	$ 208	$ 681

LOANS RECEIVABLE (Details 3)

LOANS RECEIVABLE (Details 3) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Disclosure Loans Receivable Details 3Abstract
Fair value discount, beginning of year	$ 1,048	$ 2,012
Accretion	(133)	(266)
Discount on purchased loans, end of period	$ 915	$ 1,746

LOANS RECEIVABLE (Detail Narrat

LOANS RECEIVABLE (Detail Narrative) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Federal Reserve Bank Advances [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans pledged as collateral to secure funding amount	$ 115,200	$ 114,400
Federal Home Loan Bank of Atlanta [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans pledged as collateral to secure funding amount	$ 267,200	$ 256,100

ALLOWANCE FOR LOAN LOSSES (Deta

ALLOWANCE FOR LOAN LOSSES (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning balance	$ 11,985	$ 10,887
Provision	116	361
Charge-offs	(298)	(215)
Recoveries	240	134
Balance, end of period	12,043	11,167
One To Four Family Residential [Member]
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning balance	3,909	4,018
Provision	34	(151)
Charge-offs	(4)	(110)
Recoveries	20	13
Balance, end of period	3,959	3,770
Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning balance	5,130	4,364
Provision	(112)	229
Charge-offs		(35)
Recoveries	56	3
Balance, end of period	5,074	4,561
Home Equity Line of Credit [Member]
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning balance	560	616
Provision	255	(21)
Charge-offs	(209)	(41)
Recoveries		21
Balance, end of period	606	575
Residential Construction [Member]
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning balance	452	303
Provision	68	150
Charge-offs
Recoveries
Balance, end of period	520	453
Other Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning balance	1,250	1,025
Provision	(42)	63
Charge-offs
Recoveries	8	20
Balance, end of period	1,216	1,108
Commercial Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning balance	608	503
Provision	43	128
Charge-offs	(59)
Recoveries	4	5
Balance, end of period	596	636
Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning balance	76	58
Provision	(130)	(37)
Charge-offs	(26)	(29)
Recoveries	152	72
Balance, end of period	$ 72	$ 64

ALLOWANCE FOR LOAN LOSSES (De_2

ALLOWANCE FOR LOAN LOSSES (Details 2) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018	Mar. 31, 2018	Dec. 31, 2017
Allowance for loan losses
Individually evaluated for impairment	$ 353	$ 167
Collectively evaluated for impairment	11,690	11,818
Balance, end of period	12,043	11,985	$ 11,167	$ 10,887
Loans Receivable
Individually evaluated for impairment	11,197	10,885
Collectively evaluated for impairment	1,068,640	1,065,184
Total Loans Receivable	1,079,837	1,076,069
One To Four Family Residential [Member]
Allowance for loan losses
Individually evaluated for impairment	148	79
Collectively evaluated for impairment	3,811	3,830
Balance, end of period	3,959	3,909	3,770	4,018
Loans Receivable
Individually evaluated for impairment	3,262	2,900
Collectively evaluated for impairment	325,414	322,255
Total Loans Receivable	328,676	325,155
Commercial Real Estate Portfolio Segment [Member]
Allowance for loan losses
Individually evaluated for impairment	80	27
Collectively evaluated for impairment	4,994	5,103
Balance, end of period	5,074	5,130	4,561	4,364
Loans Receivable
Individually evaluated for impairment	5,994	6,019
Collectively evaluated for impairment	493,085	490,530
Total Loans Receivable	499,079	496,549
Home Equity Line of Credit [Member]
Allowance for loan losses
Individually evaluated for impairment	74
Collectively evaluated for impairment	532	560
Balance, end of period	606	560	575	616
Loans Receivable
Individually evaluated for impairment	312	313
Collectively evaluated for impairment	47,500	48,512
Total Loans Receivable	47,812	48,825
Residential Construction [Member]
Allowance for loan losses
Individually evaluated for impairment
Collectively evaluated for impairment	520	452
Balance, end of period	520	452	453	303
Loans Receivable
Individually evaluated for impairment
Collectively evaluated for impairment	46,566	39,488
Total Loans Receivable	46,566	39,488
Other Portfolio Segment [Member]
Allowance for loan losses
Individually evaluated for impairment	46	54
Collectively evaluated for impairment	1,170	1,196
Balance, end of period	1,216	1,250	1,108	1,025
Loans Receivable
Individually evaluated for impairment	1,358	1,377
Collectively evaluated for impairment	97,918	103,087
Total Loans Receivable	99,276	104,464
Commercial Portfolio Segment [Member]
Allowance for loan losses
Individually evaluated for impairment	5	7
Collectively evaluated for impairment	591	601
Balance, end of period	596	608	636	503
Loans Receivable
Individually evaluated for impairment	271	276
Collectively evaluated for impairment	51,563	54,367
Total Loans Receivable	51,834	54,643
Consumer Portfolio Segment [Member]
Allowance for loan losses
Individually evaluated for impairment
Collectively evaluated for impairment	72	76
Balance, end of period	72	76	$ 64	$ 58
Loans Receivable
Individually evaluated for impairment
Collectively evaluated for impairment	6,594	6,945
Total Loans Receivable	$ 6,594	$ 6,945

ALLOWANCE FOR LOAN LOSSES (De_3

ALLOWANCE FOR LOAN LOSSES (Details 3) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Loans receivable	$ 1,079,837	$ 1,076,069
One To Four Family Residential [Member]
Loans receivable	328,676	325,155
Commercial Real Estate Portfolio Segment [Member]
Loans receivable	499,079	496,549
Home Equity Line of Credit [Member]
Loans receivable	47,812	48,825
Residential Construction [Member]
Loans receivable	46,566	39,488
Other Portfolio Segment [Member]
Loans receivable	99,276	104,464
Commercial Portfolio Segment [Member]
Loans receivable	51,834	54,643
Consumer Portfolio Segment [Member]
Loans receivable	6,594	6,945
Graded Loan [Member]
Loans receivable	859,724	852,337
Graded Loan [Member] | One To Four Family Residential [Member]
Loans receivable	182,985	179,044
Graded Loan [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans receivable	492,084	486,105
Graded Loan [Member] | Home Equity Line of Credit [Member]
Loans receivable	8,950	9,841
Graded Loan [Member] | Residential Construction [Member]
Loans receivable	36,192	31,128
Graded Loan [Member] | Other Portfolio Segment [Member]
Loans receivable	87,449	93,066
Graded Loan [Member] | Commercial Portfolio Segment [Member]
Loans receivable	51,822	52,632
Graded Loan [Member] | Consumer Portfolio Segment [Member]
Loans receivable	242	521
Graded Loan [Member] | Loan Grade One [Member]
Loans receivable	8,646	8,840
Graded Loan [Member] | Loan Grade One [Member] | One To Four Family Residential [Member]
Loans receivable
Graded Loan [Member] | Loan Grade One [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans receivable	7,449	7,569
Graded Loan [Member] | Loan Grade One [Member] | Home Equity Line of Credit [Member]
Loans receivable
Graded Loan [Member] | Loan Grade One [Member] | Residential Construction [Member]
Loans receivable
Graded Loan [Member] | Loan Grade One [Member] | Other Portfolio Segment [Member]
Loans receivable
Graded Loan [Member] | Loan Grade One [Member] | Commercial Portfolio Segment [Member]
Loans receivable	1,191	1,264
Graded Loan [Member] | Loan Grade One [Member] | Consumer Portfolio Segment [Member]
Loans receivable	6	7
Graded Loan [Member] | Loan Grade Two [Member]
Loans receivable	11,348	7,880
Graded Loan [Member] | Loan Grade Two [Member] | One To Four Family Residential [Member]
Loans receivable
Graded Loan [Member] | Loan Grade Two [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans receivable	10,444	7,860
Graded Loan [Member] | Loan Grade Two [Member] | Home Equity Line of Credit [Member]
Loans receivable
Graded Loan [Member] | Loan Grade Two [Member] | Residential Construction [Member]
Loans receivable
Graded Loan [Member] | Loan Grade Two [Member] | Other Portfolio Segment [Member]
Loans receivable
Graded Loan [Member] | Loan Grade Two [Member] | Commercial Portfolio Segment [Member]
Loans receivable	904	20
Graded Loan [Member] | Loan Grade Two [Member] | Consumer Portfolio Segment [Member]
Loans receivable
Graded Loan [Member] | Loan Grade Three [Member]
Loans receivable	163,093	162,016
Graded Loan [Member] | Loan Grade Three [Member] | One To Four Family Residential [Member]
Loans receivable	31,789	31,623
Graded Loan [Member] | Loan Grade Three [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans receivable	89,877	87,756
Graded Loan [Member] | Loan Grade Three [Member] | Home Equity Line of Credit [Member]
Loans receivable	4,839	5,212
Graded Loan [Member] | Loan Grade Three [Member] | Residential Construction [Member]
Loans receivable	9,562	9,365
Graded Loan [Member] | Loan Grade Three [Member] | Other Portfolio Segment [Member]
Loans receivable	12,292	12,111
Graded Loan [Member] | Loan Grade Three [Member] | Commercial Portfolio Segment [Member]
Loans receivable	14,717	15,685
Graded Loan [Member] | Loan Grade Three [Member] | Consumer Portfolio Segment [Member]
Loans receivable	17	264
Graded Loan [Member] | Loan Grade Four [Member]
Loans receivable	512,412	508,955
Graded Loan [Member] | Loan Grade Four [Member] | One To Four Family Residential [Member]
Loans receivable	124,622	121,688
Graded Loan [Member] | Loan Grade Four [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans receivable	281,883	280,630
Graded Loan [Member] | Loan Grade Four [Member] | Home Equity Line of Credit [Member]
Loans receivable	3,719	4,014
Graded Loan [Member] | Loan Grade Four [Member] | Residential Construction [Member]
Loans receivable	24,186	18,358
Graded Loan [Member] | Loan Grade Four [Member] | Other Portfolio Segment [Member]
Loans receivable	55,743	61,646
Graded Loan [Member] | Loan Grade Four [Member] | Commercial Portfolio Segment [Member]
Loans receivable	22,044	22,374
Graded Loan [Member] | Loan Grade Four [Member] | Consumer Portfolio Segment [Member]
Loans receivable	215	245
Graded Loan [Member] | Loan Grade Five [Member]
Loans receivable	147,256	147,397
Graded Loan [Member] | Loan Grade Five [Member] | One To Four Family Residential [Member]
Loans receivable	25,610	24,738
Graded Loan [Member] | Loan Grade Five [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans receivable	88,755	88,698
Graded Loan [Member] | Loan Grade Five [Member] | Home Equity Line of Credit [Member]
Loans receivable	392	615
Graded Loan [Member] | Loan Grade Five [Member] | Residential Construction [Member]
Loans receivable	2,443	3,404
Graded Loan [Member] | Loan Grade Five [Member] | Other Portfolio Segment [Member]
Loans receivable	17,947	17,630
Graded Loan [Member] | Loan Grade Five [Member] | Commercial Portfolio Segment [Member]
Loans receivable	12,105	12,307
Graded Loan [Member] | Loan Grade Five [Member] | Consumer Portfolio Segment [Member]
Loans receivable	4	5
Graded Loan [Member] | Loan Grade Six [Member]
Loans receivable	10,262	9,987
Graded Loan [Member] | Loan Grade Six [Member] | One To Four Family Residential [Member]
Loans receivable	318	321
Graded Loan [Member] | Loan Grade Six [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans receivable	8,185	7,867
Graded Loan [Member] | Loan Grade Six [Member] | Home Equity Line of Credit [Member]
Loans receivable
Graded Loan [Member] | Loan Grade Six [Member] | Residential Construction [Member]
Loans receivable	1	1
Graded Loan [Member] | Loan Grade Six [Member] | Other Portfolio Segment [Member]
Loans receivable	1,280	1,303
Graded Loan [Member] | Loan Grade Six [Member] | Commercial Portfolio Segment [Member]
Loans receivable	478	495
Graded Loan [Member] | Loan Grade Six [Member] | Consumer Portfolio Segment [Member]
Loans receivable
Graded Loan [Member] | Loan Grade Seven [Member]
Loans receivable	6,707	7,262
Graded Loan [Member] | Loan Grade Seven [Member] | One To Four Family Residential [Member]
Loans receivable	646	674
Graded Loan [Member] | Loan Grade Seven [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans receivable	5,491	5,725
Graded Loan [Member] | Loan Grade Seven [Member] | Home Equity Line of Credit [Member]
Loans receivable
Graded Loan [Member] | Loan Grade Seven [Member] | Residential Construction [Member]
Loans receivable
Graded Loan [Member] | Loan Grade Seven [Member] | Other Portfolio Segment [Member]
Loans receivable	187	376
Graded Loan [Member] | Loan Grade Seven [Member] | Commercial Portfolio Segment [Member]
Loans receivable	383	487
Graded Loan [Member] | Loan Grade Seven [Member] | Consumer Portfolio Segment [Member]
Loans receivable
UnGraded Loan [Member]
Loans receivable	220,113	223,732
UnGraded Loan [Member] | One To Four Family Residential [Member]
Loans receivable	145,691	146,111
UnGraded Loan [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans receivable	6,995	10,444
UnGraded Loan [Member] | Home Equity Line of Credit [Member]
Loans receivable	38,862	38,984
UnGraded Loan [Member] | Residential Construction [Member]
Loans receivable	10,374	8,360
UnGraded Loan [Member] | Other Portfolio Segment [Member]
Loans receivable	11,827	11,398
UnGraded Loan [Member] | Commercial Portfolio Segment [Member]
Loans receivable	12	2,011
UnGraded Loan [Member] | Consumer Portfolio Segment [Member]
Loans receivable	6,352	6,424
UnGraded Loan [Member] | Nonperforming Financing Receivable [Member]
Loans receivable	1,448	907
UnGraded Loan [Member] | Nonperforming Financing Receivable [Member] | One To Four Family Residential [Member]
Loans receivable	1,021	641
UnGraded Loan [Member] | Nonperforming Financing Receivable [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans receivable	19	24
UnGraded Loan [Member] | Nonperforming Financing Receivable [Member] | Home Equity Line of Credit [Member]
Loans receivable	343	178
UnGraded Loan [Member] | Nonperforming Financing Receivable [Member] | Residential Construction [Member]
Loans receivable
UnGraded Loan [Member] | Nonperforming Financing Receivable [Member] | Other Portfolio Segment [Member]
Loans receivable	64	64
UnGraded Loan [Member] | Nonperforming Financing Receivable [Member] | Commercial Portfolio Segment [Member]
Loans receivable
UnGraded Loan [Member] | Nonperforming Financing Receivable [Member] | Consumer Portfolio Segment [Member]
Loans receivable	1
UnGraded Loan [Member] | Performing Financing Receivable [Member]
Loans receivable	220,113	223,732
UnGraded Loan [Member] | Performing Financing Receivable [Member] | One To Four Family Residential [Member]
Loans receivable	144,670	145,470
UnGraded Loan [Member] | Performing Financing Receivable [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans receivable	6,976	10,420
UnGraded Loan [Member] | Performing Financing Receivable [Member] | Home Equity Line of Credit [Member]
Loans receivable	38,519	38,806
UnGraded Loan [Member] | Performing Financing Receivable [Member] | Residential Construction [Member]
Loans receivable	10,374	8,360
UnGraded Loan [Member] | Performing Financing Receivable [Member] | Other Portfolio Segment [Member]
Loans receivable	11,763	11,334
UnGraded Loan [Member] | Performing Financing Receivable [Member] | Commercial Portfolio Segment [Member]
Loans receivable	12	2,011
UnGraded Loan [Member] | Performing Financing Receivable [Member] | Consumer Portfolio Segment [Member]
Loans receivable	$ 6,351	$ 6,424

ALLOWANCE FOR LOAN LOSSES (De_4

ALLOWANCE FOR LOAN LOSSES (Details 4) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Financing Receivable, Recorded Investment, Past Due [Line Items]
30-59 Days Past Due	$ 9,611	$ 7,524
60-89 Days Past	122	1,835
90 Days and Over Past Due	2,237	2,125
Total Past Due	11,970	11,484
Current	1,067,867	1,064,585
Total Loans Receivable	1,079,837	1,076,069
One To Four Family Residential [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30-59 Days Past Due	4,364	3,562
60-89 Days Past		1,317
90 Days and Over Past Due	251	84
Total Past Due	4,615	4,963
Current	324,061	320,192
Total Loans Receivable	328,676	325,155
Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30-59 Days Past Due	4,291	2,615
60-89 Days Past	119
90 Days and Over Past Due	1,515	1,782
Total Past Due	5,925	4,397
Current	493,154	492,152
Total Loans Receivable	499,079	496,549
Home Equity Line of Credit [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30-59 Days Past Due	159	400
60-89 Days Past		457
90 Days and Over Past Due	343	73
Total Past Due	502	930
Current	47,310	47,895
Total Loans Receivable	47,812	48,825
Residential Construction [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30-59 Days Past Due	350
60-89 Days Past
90 Days and Over Past Due	1	1
Total Past Due	351	1
Current	46,215	39,487
Total Loans Receivable	46,566	39,488
Other Portfolio Segment [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30-59 Days Past Due	129	613
60-89 Days Past		32
90 Days and Over Past Due	64	64
Total Past Due	193	709
Current	99,083	103,755
Total Loans Receivable	99,276	104,464
Commercial Portfolio Segment [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30-59 Days Past Due	283	307
60-89 Days Past		25
90 Days and Over Past Due	62	121
Total Past Due	345	453
Current	51,489	54,190
Total Loans Receivable	51,834	54,643
Consumer Portfolio Segment [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30-59 Days Past Due	35	27
60-89 Days Past	3	4
90 Days and Over Past Due	1
Total Past Due	39	31
Current	6,555	6,914
Total Loans Receivable	$ 6,594	$ 6,945

ALLOWANCE FOR LOAN LOSSES (De_5

ALLOWANCE FOR LOAN LOSSES (Details 5) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Financing Receivable, Impaired [Line Items]
Recorded Balance, without a valuation allowance	$ 7,011	$ 5,328
Unpaid Principal Balance, without a valuation allowance	9,757	7,779
Recorded Balance, Recorded Balance, with a valuation allowance	4,186	5,557
Unpaid Principal Balance, with a valuation allowance	4,186	5,557
Recorded Balance	11,197	10,885
Unpaid Principal Balance	13,943	13,336
Specific Allowance	353	167
One To Four Family Residential [Member]
Financing Receivable, Impaired [Line Items]
Recorded Balance, without a valuation allowance	2,324	845
Unpaid Principal Balance, without a valuation allowance	2,475	923
Recorded Balance, Recorded Balance, with a valuation allowance	938	2,055
Unpaid Principal Balance, with a valuation allowance	938	2,055
Recorded Balance	3,262	2,900
Unpaid Principal Balance	3,413	2,978
Specific Allowance	148	79
Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Impaired [Line Items]
Recorded Balance, without a valuation allowance	3,925	3,835
Unpaid Principal Balance, without a valuation allowance	6,271	6,207
Recorded Balance, Recorded Balance, with a valuation allowance	2,069	2,184
Unpaid Principal Balance, with a valuation allowance	2,069	2,184
Recorded Balance	5,994	6,019
Unpaid Principal Balance	8,340	8,391
Specific Allowance	80	27
Home Equity Line of Credit [Member]
Financing Receivable, Impaired [Line Items]
Recorded Balance, without a valuation allowance	213	283
Unpaid Principal Balance, without a valuation allowance	328	283
Recorded Balance, Recorded Balance, with a valuation allowance	99	30
Unpaid Principal Balance, with a valuation allowance	99	30
Recorded Balance	312	313
Unpaid Principal Balance	427	313
Specific Allowance	74
Other Portfolio Segment [Member]
Financing Receivable, Impaired [Line Items]
Recorded Balance, without a valuation allowance	549	365
Unpaid Principal Balance, without a valuation allowance	683	366
Recorded Balance, Recorded Balance, with a valuation allowance	809	1,012
Unpaid Principal Balance, with a valuation allowance	809	1,012
Recorded Balance	1,358	1,377
Unpaid Principal Balance	1,492	1,378
Specific Allowance	46	54
Commercial Portfolio Segment [Member]
Financing Receivable, Impaired [Line Items]
Recorded Balance, Recorded Balance, with a valuation allowance	271	276
Unpaid Principal Balance, with a valuation allowance	271	276
Recorded Balance	271	276
Unpaid Principal Balance	271	276
Specific Allowance	$ 5	$ 7

ALLOWANCE FOR LOAN LOSSES (De_6

ALLOWANCE FOR LOAN LOSSES (Details 6) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Average Investment in Impaired Loans, without a valuation allowance	$ 9,768	$ 8,616
Interest Income Recognized, without a valuation allowance	86	79
Average Investment in Impaired Loans, Interest Income Recognized, with a valuation allowance	4,284	5,328
Interest Income Recognized, with a valuation allowance	51	53
Average Investment in Impaired Loans	14,052	13,944
Interest Income Recognized	137	132
One To Four Family Residential [Member]
Average Investment in Impaired Loans, without a valuation allowance	2,483	1,877
Interest Income Recognized, without a valuation allowance	29	29
Average Investment in Impaired Loans, Interest Income Recognized, with a valuation allowance	937	1,621
Interest Income Recognized, with a valuation allowance	8	16
Average Investment in Impaired Loans	3,420	3,498
Interest Income Recognized	37	45
Commercial Real Estate Portfolio Segment [Member]
Average Investment in Impaired Loans, without a valuation allowance	6,272	5,613
Interest Income Recognized, without a valuation allowance	37	31
Average Investment in Impaired Loans, Interest Income Recognized, with a valuation allowance	2,155	1,693
Interest Income Recognized, with a valuation allowance	23	23
Average Investment in Impaired Loans	8,427	7,306
Interest Income Recognized	60	54
Home Equity Line of Credit [Member]
Average Investment in Impaired Loans, without a valuation allowance	328	427
Interest Income Recognized, without a valuation allowance	15	14
Average Investment in Impaired Loans, Interest Income Recognized, with a valuation allowance	99
Interest Income Recognized, with a valuation allowance	2
Average Investment in Impaired Loans	427	427
Interest Income Recognized	17	14
Other Portfolio Segment [Member]
Average Investment in Impaired Loans, without a valuation allowance	685	699
Interest Income Recognized, without a valuation allowance	5	5
Average Investment in Impaired Loans, Interest Income Recognized, with a valuation allowance	819	1,724
Interest Income Recognized, with a valuation allowance	12	9
Average Investment in Impaired Loans	1,504	2,423
Interest Income Recognized	17	14
Commercial Portfolio Segment [Member]
Average Investment in Impaired Loans, Interest Income Recognized, with a valuation allowance	274	290
Interest Income Recognized, with a valuation allowance	6	5
Average Investment in Impaired Loans	274	290
Interest Income Recognized	$ 6	$ 5

ALLOWANCE FOR LOAN LOSSES (De_7

ALLOWANCE FOR LOAN LOSSES (Details 7) - Nonperforming Financing Receivable [Member] - Loans [Member] - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Non Performing Loan Receivables and Other Assets [Line Items]
Finance receivable, non-accrual	$ 4,906	$ 4,857
One To Four Family Residential [Member]
Non Performing Loan Receivables and Other Assets [Line Items]
Finance receivable, non-accrual	1,394	1,037
Commercial Real Estate Portfolio Segment [Member]
Non Performing Loan Receivables and Other Assets [Line Items]
Finance receivable, non-accrual	2,854	3,266
Home Equity Line of Credit [Member]
Non Performing Loan Receivables and Other Assets [Line Items]
Finance receivable, non-accrual	343	178
Residential Construction [Member]
Non Performing Loan Receivables and Other Assets [Line Items]
Finance receivable, non-accrual	1
Other Portfolio Segment [Member]
Non Performing Loan Receivables and Other Assets [Line Items]
Finance receivable, non-accrual	251	256
Commercial Portfolio Segment [Member]
Non Performing Loan Receivables and Other Assets [Line Items]
Finance receivable, non-accrual	62	120
Consumer Portfolio Segment [Member]
Non Performing Loan Receivables and Other Assets [Line Items]
Finance receivable, non-accrual	$ 1

ALLOWANCE FOR LOAN LOSSES (De_8

ALLOWANCE FOR LOAN LOSSES (Details 8) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Financing Receivable, Modifications [Line Items]
TDR loans	$ 9,561	$ 9,633
Performing Financing Receivable [Member]
Financing Receivable, Modifications [Line Items]
TDR loans	5,124	7,588
Nonperforming Financing Receivable [Member]
Financing Receivable, Modifications [Line Items]
TDR loans	1,757	2,045
One To Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
TDR loans	2,496	2,515
One To Four Family Residential [Member] | Performing Financing Receivable [Member]
Financing Receivable, Modifications [Line Items]
TDR loans	2,138	2,154
One To Four Family Residential [Member] | Nonperforming Financing Receivable [Member]
Financing Receivable, Modifications [Line Items]
TDR loans	358	361
Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Modifications [Line Items]
TDR loans	7,804	5,152
Commercial Real Estate Portfolio Segment [Member] | Performing Financing Receivable [Member]
Financing Receivable, Modifications [Line Items]
TDR loans	3,912	3,690
Commercial Real Estate Portfolio Segment [Member] | Nonperforming Financing Receivable [Member]
Financing Receivable, Modifications [Line Items]
TDR loans	1,212	1,462
Home Equity Line of Credit [Member]
Financing Receivable, Modifications [Line Items]
TDR loans	313	313
Home Equity Line of Credit [Member] | Performing Financing Receivable [Member]
Financing Receivable, Modifications [Line Items]
TDR loans	313	283
Home Equity Line of Credit [Member] | Nonperforming Financing Receivable [Member]
Financing Receivable, Modifications [Line Items]
TDR loans		30
Other Portfolio Segment [Member]
Financing Receivable, Modifications [Line Items]
TDR loans	1,357	1,377
Other Portfolio Segment [Member] | Performing Financing Receivable [Member]
Financing Receivable, Modifications [Line Items]
TDR loans	1,170	1,185
Other Portfolio Segment [Member] | Nonperforming Financing Receivable [Member]
Financing Receivable, Modifications [Line Items]
TDR loans	187	192
Commercial Portfolio Segment [Member]
Financing Receivable, Modifications [Line Items]
TDR loans	271	276
Commercial Portfolio Segment [Member] | Performing Financing Receivable [Member]
Financing Receivable, Modifications [Line Items]
TDR loans	271	276
Commercial Portfolio Segment [Member] | Nonperforming Financing Receivable [Member]
Financing Receivable, Modifications [Line Items]
TDR loans

GOODWILL AND OTHER INTANGIBLE_3

GOODWILL AND OTHER INTANGIBLE ASSETS (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2019	Dec. 31, 2018
Goodwill and Intangible Assets Disclosure [Abstract]
Gross carrying amount at beginning of period	$ 4,840	$ 4,840
Additions from acquisitions during the period
Gross balance at end of period	4,840	4,840
Accumulated amortization	(1,436)	(1,263)
Finite Lived Core Deposits Net	3,404	$ 3,577
Amortization expense	$ 700

DEPOSITS (Details)

DEPOSITS (Details) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Dec. 31, 2018
Deposits By Type [Line Items]
Balance	$ 1,246,219	$ 1,205,908	$ 1,221,240
Interest Expense	2,926	1,382	8,118
Noninterest-bearing demand [Member]
Deposits By Type [Line Items]
Balance	194,562	192,916	184,404
Interest Expense
Interest-bearing Deposits [Member]
Deposits By Type [Line Items]
Balance	198,516	206,530	209,085
Interest Expense	98	87	374
Money Market Funds [Member]
Deposits By Type [Line Items]
Balance	390,839	336,625	356,086
Interest Expense	1,138	366	2,637
Savings Deposits [Member]
Deposits By Type [Line Items]
Balance	49,996	52,162	50,716
Interest Expense	14	15	59
Time deposit [Member]
Deposits By Type [Line Items]
Balance	412,306	417,675	420,949
Interest Expense	$ 1,676	$ 914	$ 5,048

DEPOSITS (Details 2)

DEPOSITS (Details 2) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018	Mar. 31, 2018
Disclosure Deposits Details 3Abstract
Wholesale money market	$ 5,063	$ 5,030	$ 25,026
Wholesale time deposits	72,259	70,978	56,232
Total	$ 77,322	$ 76,008	$ 81,258

BORROWINGS (Details)

BORROWINGS (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Federal Home Loan Bank, Advances [Abstract]
2019	$ 163,500	$ 168,500
2020	45,000	45,000
2024	5,000
Total	$ 213,500	$ 213,500
Federal Home Loan Bank, Advances, Weighted Average Rate [Abstract]
2019	2.59%	2.52%
2020	2.80%	2.80%
2024	2.81%
Total	2.64%	2.58%

DERIVATIVE FINANCIAL INSTRUME_3

DERIVATIVE FINANCIAL INSTRUMENTS AND HEDGING ACTIVITIES (Details) - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2019	Mar. 31, 2018	Dec. 31, 2018	Dec. 31, 2017
Interest rate swap		$ 545	$ (3,396)	$ (3,424)	$ (23)
Interest Expense		4,589	$ 2,449
Designated as Hedging Instrument [Member]
Asset derivatives, Fair value	[1]	260		354
Liability derivatives, Fair value	[1]	860		462
Designated as Hedging Instrument [Member] | Interest rate swaps [Member]
Asset derivatives, Fair value	[1]	260		354
Liability derivatives, Fair value	[1]	860		462
Designated as Hedging Instrument [Member] | Mortgage Derivatives [Member]
Asset derivatives, Fair value	[1]	45		34
Liability derivatives, Fair value	[1]	21		22
Not Designated as Hedging Instrument [Member]
Asset derivatives, Fair value	[1]	45		34
Liability derivatives, Fair value	[1]	$ 21		$ 22
[1]	All derivative assets are located in "Other assets" on the consolidated balance sheets and all derivative liabilities are located in "Other liabilities" on the consolidated balance sheets.

DERIVATIVE FINANCIAL INSTRUME_4

DERIVATIVE FINANCIAL INSTRUMENTS AND HEDGING ACTIVITIES (Details 2) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Interest Income	$ 16,542	$ 14,842
Interest Expenses	4,589	2,449
Fair Value Hedging Relationships [Member] | Hedged Assets [Member]
Interest Income	259
Fair Value Hedging Relationships [Member] | Interest Rate Swap - Derivatives Designated As Hedging Instruments [Member]
Interest Income	(274)
Cash Flow Hedging Relationships [Member] | Interest Rate Swap - Accumulated Other Comprehensive Loss Into Income [Member]
Interest Expenses	$ (65)	$ (56)

DERIVATIVE FINANCIAL INSTRUME_5

DERIVATIVE FINANCIAL INSTRUMENTS AND HEDGING ACTIVITIES (Details 3) - USD ($) $ in Thousands		Mar. 31, 2019	Dec. 31, 2018
Loan Receivable		$ 1,079,837	$ 1,076,069
Hedged Assets [Member]
Loan Receivable	[1]	97,891
Hedged Assets [Member] | Fair Value Hedging Relationships [Member]
Loan Receivable	[1]	$ 503
[1]	These amounts include the amortized cost basis of the closed portfolio used to designate the hedging relationship in which the hedged item is the last layer expected to be remaining at the end of the hedging relationship. At March 31, 2019, the amortized cost basis of the closed portfolio used in the the hedging relationship was $97.9 million, the cumulative basis adjustment associated with the hedging relationship was $0.5 million, and the amount of the designated hedged item was $25.0 million.

DERIVATIVE FINANCIAL INSTRUME_6

DERIVATIVE FINANCIAL INSTRUMENTS AND HEDGING ACTIVITIES (Details 4) - Junior Subordinated Debt [Member] $ in Thousands	3 Months Ended
	Mar. 31, 2019USD ($)
Notional Amount	$ 14,000
Fixed Interest Rate	0.958%
Underlying Rate	3 month LIBOR
Life of Swap Contract	4 years
Notional Amount	$ 14,000
Fixed Interest Rate	3.02%
Underlying Rate	3 month LIBOR
Life of Swap Contract	3 years

DERIVATIVE FINANCIAL INSTRUME_7

DERIVATIVE FINANCIAL INSTRUMENTS AND HEDGING ACTIVITIES (Details 5) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Dec. 31, 2018
Disclosure Derivative Financial Instruments And Hedging Activities Details 5Abstract
Amount of gain (loss) recognized in AOCI on derivatives	$ (159)	$ 202	$ 2
Amount of gain (loss) reclassified from AOCI into income	(65)	(56)	(431)
Amount of gain (loss) recognized in consolidated statement of comprehensive income	$ (224)	$ 146	$ (429)

DERIVATIVE FINANCIAL INSTRUME_8

DERIVATIVE FINANCIAL INSTRUMENTS AND HEDGING ACTIVITIES (Details 6) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Dec. 31, 2018
Amount of gain (loss) recognized in income	$ (27)	$ 27
Interest Rate Lock Commitments [Member]
Amount of gain (loss) recognized in income	11	17
Forward Sales Commitments [Member]
Amount of gain (loss) recognized in income	(38)	$ 10
Residential Real Estate [Member] | Interest Rate Lock Commitments [Member]
Fair value Derivative Assets and Liabilities	2,736		$ 1,627
Residential Real Estate [Member] | Forward Sales Commitments [Member]
Fair value Derivative Assets and Liabilities	$ 4,250		$ 3,500

INCOME TAXES (Details)

INCOME TAXES (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Deferred tax assets:
Allowance for loan losses	$ 2,729	$ 2,703
Deferred compensation and post employment benefits	1,874	1,854
Non-accrual interest	251	245
Valuation reserve for other real estate	198	191
North Carolina NOL carryover	233	293
Federal NOL carryover	554	1,231
AMT credit carryforward		316
General federal business credit carryover	826	691
Unrealized losses on securities	581	1,061
Loan basis differences	46	50
Fixed assets	131	123
Core deposit intangible	148	129
Derivative instruments	21
Other	1,122	1,207
Total deferred tax assets	8,714	10,094
Deferred tax liabilities:
Loan servicing rights	633	653
Goodwill	581	495
Core deposit intangible	70	74
Deferred loan costs	1,014	1,001
Prepaid expenses	14	14
Unrealized gains on securities	961	105
Derivative instruments	6	29
Investment in partnerships	170	155
Other		17
Total deferred tax liabilities	3,449	2,543
Net deferred tax asset	$ 5,265	$ 7,551

INCOME TAXES (Details 2)

INCOME TAXES (Details 2) $ in Thousands	3 Months Ended
	Mar. 31, 2019USD ($)
Federal [Member]
Unused Net Operating Losses	$ 2,803
Federal [Member] | Minimum [Member]
Expiration Dates	2032
Federal [Member] | Maximum [Member]
Expiration Dates	2037
North Carolina [Member]
Unused Net Operating Losses	$ 13,708
North Carolina [Member] | Minimum [Member]
Expiration Dates	2026
North Carolina [Member] | Maximum [Member]
Expiration Dates	2029
Federal general business credit [Member]
Unused Net Operating Losses	$ 826
Federal general business credit [Member] | Minimum [Member]
Expiration Dates	2037
Federal general business credit [Member] | Maximum [Member]
Expiration Dates	2039

EARNINGS PER SHARE (Details)

EARNINGS PER SHARE (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Net income	$ 3,815	$ 3,582
Weighted average shares outstanding	6,918,769	6,885,911
Effect of dilutive stock options	6,960	96,871
Effect of dilutive restricted stock units	17,538	45,102
Average shares outstanding	6,943,267	7,027,884
Earnings per share - basic	$ 0.55	$ 0.52
Earnings per share - diluted	0.55	0.51
Equity Option [Member]
Average Stock Price	$ 23.12	$ 28.56
Anti-Dilutaive Shares	91,977	19,592

ACCUMULATED OTHER COMPREHENSI_3

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (Details) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Dec. 31, 2018
Balance, beginning of period	$ (3,424)	$ (23)	$ (23)
Change in deferred tax valuation allowance attributable to net unrealized losses on investment securities available for sale
Change in net unrealized holding losses on securities available for sale	5,390	(4,505)
Reclassification adjustment for net securities losses realized in net income		12
Change in unrealized holding gains and losses on cash flow hedge	(159)	202	2
Reclassification adjustment for cash flow hedge effectiveness	(65)	(56)	(431)
Cumulative effect of change in accounting principle
Income tax effect	(1,197)	965
Balance, end of period	545	(3,396)	(3,424)
Available-for-sale Securities [Member]
Balance, beginning of period	(3,528)	(455)	(455)
Change in deferred tax valuation allowance attributable to net unrealized losses on investment securities available for sale
Change in net unrealized holding losses on securities available for sale	5,390	(4,505)
Reclassification adjustment for net securities losses realized in net income		12
Change in unrealized holding gains and losses on cash flow hedge
Reclassification adjustment for cash flow hedge effectiveness
Cumulative effect of change in accounting principle		9
Income tax effect	(1,244)	996
Balance, end of period	618	(3,943)	(3,528)
Cash Flow Hedge [Member]
Balance, beginning of period	104	432	432
Change in deferred tax valuation allowance attributable to net unrealized losses on investment securities available for sale
Change in net unrealized holding losses on securities available for sale
Reclassification adjustment for net securities losses realized in net income
Change in unrealized holding gains and losses on cash flow hedge	(159)	202
Reclassification adjustment for cash flow hedge effectiveness	(65)	(56)
Cumulative effect of change in accounting principle
Income tax effect	47	(31)
Balance, end of period	$ (73)	$ 547	$ 104

ACCUMULATED OTHER COMPREHENSI_4

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (Details 2) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Interest expense - Junior subordinated notes	$ 139	$ 138
Cash Flow Hedge [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Interest expense - FHLB advances		30
Interest expense - Junior subordinated notes	65	26
Tax effect	(15)	(13)
Impact, net of tax	50	43
Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Impact, net of tax	50	34
Gain on sale of investments, net [Member] | Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Before tax		(12)
Tax effect		3
Impact, net of tax		$ (9)

COMMITMENTS AND CONTINGENCIES_2

COMMITMENTS AND CONTINGENCIES (Details) $ in Thousands	Mar. 31, 2019USD ($)
Other Commitments [Line Items]
Commitments to fund lines of credit	$ 176,364
Lines of credit [Member]
Other Commitments [Line Items]
Commitments to fund lines of credit	175,353
Standby Letters of Credit [Member]
Other Commitments [Line Items]
Commitments to fund lines of credit	$ 1,011

COMMITMENTS AND CONTINGENCIES_3

COMMITMENTS AND CONTINGENCIES (Details 2) $ in Thousands	3 Months Ended
	Mar. 31, 2019USD ($)
Fixed	$ 24,709
Variable	9,323
Total	$ 34,032
Minimum [Member]
Fixed (as a percent)	4.25%
Variable (as a percent)	3.38%
Maximum [Member]
Fixed (as a percent)	12.00%
Variable (as a percent)	8.00%

COMMITMENTS AND CONTINGENCIES_4

COMMITMENTS AND CONTINGENCIES (Details Narrative) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Mortgage Loans Sold to Federal National Mortgage Association[Member]
Loss Contingencies [Line Items]
Obligation for representations and warranties, reserve	$ 300	$ 300
Commitments to Extend Credit [Member]
Loss Contingencies [Line Items]
Allowance for unfunded commitments	$ 100	$ 100

FAIR VALUE DISCLOSURES (Details

FAIR VALUE DISCLOSURES (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on recurring basis	$ 370,272	$ 371,572
Liabilities measured at fair value on recurring basis	882	484
Loan Servicing Rights[Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on recurring basis	2,753	2,837
Mortgage Derivatives [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on recurring basis	45	34
Liabilities measured at fair value on recurring basis	21	22
Interest Rate Swap [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on recurring basis	260	354
Liabilities measured at fair value on recurring basis	861	462
Mortgage loans held for sale [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on recurring basis	3,270	2,431
Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on recurring basis	11,803	11,127
Liabilities measured at fair value on recurring basis
Fair Value, Inputs, Level 1 [Member] | Loan Servicing Rights[Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on recurring basis
Fair Value, Inputs, Level 1 [Member] | Mortgage Derivatives [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on recurring basis
Liabilities measured at fair value on recurring basis
Fair Value, Inputs, Level 1 [Member] | Interest Rate Swap [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on recurring basis
Liabilities measured at fair value on recurring basis
Fair Value, Inputs, Level 1 [Member] | Mortgage loans held for sale [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on recurring basis
Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on recurring basis	351,908	354,650
Liabilities measured at fair value on recurring basis	861	462
Fair Value, Inputs, Level 2 [Member] | Loan Servicing Rights[Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on recurring basis
Fair Value, Inputs, Level 2 [Member] | Mortgage Derivatives [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on recurring basis
Liabilities measured at fair value on recurring basis
Fair Value, Inputs, Level 2 [Member] | Interest Rate Swap [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on recurring basis	260	354
Liabilities measured at fair value on recurring basis	861	462
Fair Value, Inputs, Level 2 [Member] | Mortgage loans held for sale [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on recurring basis
Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on recurring basis	6,561	5,795
Liabilities measured at fair value on recurring basis	21	22
Fair Value, Inputs, Level 3 [Member] | Loan Servicing Rights[Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on recurring basis	2,753	2,837
Fair Value, Inputs, Level 3 [Member] | Mortgage Derivatives [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on recurring basis	45	34
Liabilities measured at fair value on recurring basis	21	22
Fair Value, Inputs, Level 3 [Member] | Interest Rate Swap [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on recurring basis
Liabilities measured at fair value on recurring basis
Fair Value, Inputs, Level 3 [Member] | Mortgage loans held for sale [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on recurring basis	3,270	2,431
Trading account assets [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on recurring basis	6,812	6,178
Trading account assets [Member] | Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on recurring basis	6,812	6,178
Trading account assets [Member] | Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on recurring basis
Trading account assets [Member] | Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on recurring basis
Available-for-sale Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on recurring basis	357,132	359,738
Available-for-sale Securities [Member] | U.S. Treasury securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on recurring basis	33,822	33,990
Available-for-sale Securities [Member] | Municipal Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on recurring basis	117,479	114,402
Available-for-sale Securities [Member] | Mortgage-backed Securities - Guaranteed [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on recurring basis	81,526	85,184
Available-for-sale Securities [Member] | Collateralized Mortgage Obligations - Guaranteed [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on recurring basis	21,905	21,889
Available-for-sale Securities [Member] | Collateralized Mortgage Obligations - Non Guaranteed [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on recurring basis	67,139	69,171
Available-for-sale Securities [Member] | Collateralized mortgage obligations [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on recurring basis	15,212	15,077
Available-for-sale Securities [Member] | Corporate debt securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on recurring basis	20,049	20,025
Available-for-sale Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on recurring basis	4,991	4,949
Available-for-sale Securities [Member] | Fair Value, Inputs, Level 1 [Member] | U.S. Treasury securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on recurring basis	4,991	4,949
Available-for-sale Securities [Member] | Fair Value, Inputs, Level 1 [Member] | Municipal Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on recurring basis
Available-for-sale Securities [Member] | Fair Value, Inputs, Level 1 [Member] | Mortgage-backed Securities - Guaranteed [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on recurring basis
Available-for-sale Securities [Member] | Fair Value, Inputs, Level 1 [Member] | Collateralized Mortgage Obligations - Guaranteed [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on recurring basis
Available-for-sale Securities [Member] | Fair Value, Inputs, Level 1 [Member] | Collateralized Mortgage Obligations - Non Guaranteed [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on recurring basis
Available-for-sale Securities [Member] | Fair Value, Inputs, Level 1 [Member] | Collateralized mortgage obligations [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on recurring basis
Available-for-sale Securities [Member] | Fair Value, Inputs, Level 1 [Member] | Corporate debt securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on recurring basis
Available-for-sale Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on recurring basis	351,648	354,296
Available-for-sale Securities [Member] | Fair Value, Inputs, Level 2 [Member] | U.S. Treasury securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on recurring basis	28,831	29,041
Available-for-sale Securities [Member] | Fair Value, Inputs, Level 2 [Member] | Municipal Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on recurring basis	117,479	114,402
Available-for-sale Securities [Member] | Fair Value, Inputs, Level 2 [Member] | Mortgage-backed Securities - Guaranteed [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on recurring basis	81,526	85,184
Available-for-sale Securities [Member] | Fair Value, Inputs, Level 2 [Member] | Collateralized Mortgage Obligations - Guaranteed [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on recurring basis	21,905	21,889
Available-for-sale Securities [Member] | Fair Value, Inputs, Level 2 [Member] | Collateralized Mortgage Obligations - Non Guaranteed [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on recurring basis	67,139	69,171
Available-for-sale Securities [Member] | Fair Value, Inputs, Level 2 [Member] | Collateralized mortgage obligations [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on recurring basis	15,212	15,077
Available-for-sale Securities [Member] | Fair Value, Inputs, Level 2 [Member] | Corporate debt securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on recurring basis	19,556	19,532
Available-for-sale Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on recurring basis	493	493
Available-for-sale Securities [Member] | Fair Value, Inputs, Level 3 [Member] | U.S. Treasury securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on recurring basis
Available-for-sale Securities [Member] | Fair Value, Inputs, Level 3 [Member] | Municipal Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on recurring basis
Available-for-sale Securities [Member] | Fair Value, Inputs, Level 3 [Member] | Mortgage-backed Securities - Guaranteed [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on recurring basis
Available-for-sale Securities [Member] | Fair Value, Inputs, Level 3 [Member] | Collateralized Mortgage Obligations - Guaranteed [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on recurring basis
Available-for-sale Securities [Member] | Fair Value, Inputs, Level 3 [Member] | Collateralized Mortgage Obligations - Non Guaranteed [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on recurring basis
Available-for-sale Securities [Member] | Fair Value, Inputs, Level 3 [Member] | Collateralized mortgage obligations [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on recurring basis
Available-for-sale Securities [Member] | Fair Value, Inputs, Level 3 [Member] | Corporate debt securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on recurring basis	$ 493	$ 493

FAIR VALUE DISCLOSURES (Detai_2

FAIR VALUE DISCLOSURES (Details 2) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Disclosure Fair Value Disclosures Details 2Abstract
Balance at beginning of period	$ 5,773	$ 3,321
Corporate bonds Transfer to Level 2		1,331
Mortgage loans held for sale	839
Capitalization from loans sold	47	100
Fair value adjustment	(131)	(130)
Mortgage derivative gains included in Other income	12	27
Balance at end of period	$ 6,540	$ 4,649

FAIR VALUE DISCLOSURES (Detai_3

FAIR VALUE DISCLOSURES (Details 3) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Assets measured at fair value on nonrecurring basis	$ 370,272	$ 371,572
Fair Value, Inputs, Level 3 [Member]
Assets measured at fair value on nonrecurring basis	6,561	5,795
Fair Value, Measurements, Nonrecurring [Member]
Assets measured at fair value on nonrecurring basis	9,267	7,821
Impaired loans measured at present value	4,200	5,600
Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Inputs, Level 3 [Member]
Assets measured at fair value on nonrecurring basis	9,267	7,821
Fair Value, Measurements, Nonrecurring [Member] | Impaired Loans [Member] | One To Four Family Residential [Member]
Assets measured at fair value on nonrecurring basis	2,324	845
Fair Value, Measurements, Nonrecurring [Member] | Impaired Loans [Member] | Commercial Real Estate Portfolio Segment [Member]
Assets measured at fair value on nonrecurring basis	3,925	3,835
Fair Value, Measurements, Nonrecurring [Member] | Impaired Loans [Member] | Home Equity Line of Credit [Member]
Assets measured at fair value on nonrecurring basis	213	283
Fair Value, Measurements, Nonrecurring [Member] | Impaired Loans [Member] | Other Portfolio Segment [Member]
Assets measured at fair value on nonrecurring basis	549	365
Fair Value, Measurements, Nonrecurring [Member] | Impaired Loans [Member] | Fair Value, Inputs, Level 3 [Member] | One To Four Family Residential [Member]
Assets measured at fair value on nonrecurring basis	2,324	845
Fair Value, Measurements, Nonrecurring [Member] | Impaired Loans [Member] | Fair Value, Inputs, Level 3 [Member] | Commercial Real Estate Portfolio Segment [Member]
Assets measured at fair value on nonrecurring basis	3,925	3,835
Fair Value, Measurements, Nonrecurring [Member] | Impaired Loans [Member] | Fair Value, Inputs, Level 3 [Member] | Home Equity Line of Credit [Member]
Assets measured at fair value on nonrecurring basis	213	283
Fair Value, Measurements, Nonrecurring [Member] | Impaired Loans [Member] | Fair Value, Inputs, Level 3 [Member] | Other Portfolio Segment [Member]
Assets measured at fair value on nonrecurring basis	549	365
Fair Value, Measurements, Nonrecurring [Member] | Real Estate Owned [Member] | One To Four Family Residential [Member]
Assets measured at fair value on nonrecurring basis		228
Fair Value, Measurements, Nonrecurring [Member] | Real Estate Owned [Member] | Commercial Real Estate Portfolio Segment [Member]
Assets measured at fair value on nonrecurring basis	949	949
Fair Value, Measurements, Nonrecurring [Member] | Real Estate Owned [Member] | Other Portfolio Segment [Member]
Assets measured at fair value on nonrecurring basis	1,307	1,316
Fair Value, Measurements, Nonrecurring [Member] | Real Estate Owned [Member] | Fair Value, Inputs, Level 3 [Member] | One To Four Family Residential [Member]
Assets measured at fair value on nonrecurring basis		228
Fair Value, Measurements, Nonrecurring [Member] | Real Estate Owned [Member] | Fair Value, Inputs, Level 3 [Member] | Commercial Real Estate Portfolio Segment [Member]
Assets measured at fair value on nonrecurring basis	949	949
Fair Value, Measurements, Nonrecurring [Member] | Real Estate Owned [Member] | Fair Value, Inputs, Level 3 [Member] | Other Portfolio Segment [Member]
Assets measured at fair value on nonrecurring basis	$ 1,307	$ 1,316

FAIR VALUE DISCLOSURES (Detai_4

FAIR VALUE DISCLOSURES (Details 4)	3 Months Ended
	Mar. 31, 2019
Impaired Loans [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Unobservable Input	Collateral discounts and estimated selling cost
Valuation Technique	Discounted Appraisals
Impaired Loans [Member] | Minimum [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Collateral discounts and estimated selling cost	0.00%
Impaired Loans [Member] | Maximum [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Collateral discounts and estimated selling cost	30.00%
Real Estate Owned [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Unobservable Input	Collateral discounts and estimated selling cost
Valuation Technique	Discounted Appraisals
Real Estate Owned [Member] | Minimum [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Collateral discounts and estimated selling cost	0.00%
Real Estate Owned [Member] | Maximum [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Collateral discounts and estimated selling cost	30.00%
Corporate Bond [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Unobservable Input	Recent trade pricing
Valuation Technique	Discounted Cash Flows
Corporate Bond [Member] | Minimum [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Recent trade pricing	0.00%
Corporate Bond [Member] | Maximum [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Recent trade pricing	10.00%
Loan Servicing Rights[Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Valuation Technique	Discounted Cash Flows
Loan Servicing Rights[Member] | Minimum [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Prepayment Speed	9.00%
Discount rate	10.00%
Loan Servicing Rights[Member] | Maximum [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Prepayment Speed	20.00%
Discount rate	14.00%
Mortgage loans held for sale [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Unobservable Input	External pricing model
Valuation Technique	Recent trade pricing
Mortgage loans held for sale [Member] | Minimum [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Recent trade pricing	101.00%
Mortgage loans held for sale [Member] | Maximum [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Recent trade pricing	103.00%
Mortgage Derivatives [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Unobservable Input	External pricing model
Valuation Technique	Pull-through rate
Mortgage Derivatives [Member] | Minimum [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Recent trade pricing	78.00%
Mortgage Derivatives [Member] | Maximum [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Recent trade pricing	100.00%
SBIC Investments [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Unobservable Input	Current operations and financial condition
Valuation Technique	Indicative value provided by fund

FAIR VALUE DISCLOSURES (Detai_5

FAIR VALUE DISCLOSURES (Details 5) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018	Mar. 31, 2018	Dec. 31, 2017
Assets:
Cash and equivalents	$ 98,285	$ 69,119	$ 123,597	$ 109,467
Trading securities	6,812	6,178
Securities available for sale	357,132	359,738
Loans held for sale	9,208	7,570
Other investments, at cost	12,092	12,039
Accrued interest receivable	6,669	6,443
Bank owned life insurance	32,087	32,886
Loan servicing rights	2,753	2,837
Liabilities:
Federal Home Loan Bank advances	213,500	213,500
Junior subordinated debentures	14,433	14,433
Other borrowings	9,385	9,299
Accrued interest payable	1,173	1,647
Fair Value, Inputs, Level 1 [Member]
Assets:
Cash and equivalents	98,285	69,119
Trading securities	6,812	6,178
Securities available for sale	4,991	4,949
Loans held for sale
Loans receivable, net
Other investments, at cost
Accrued interest receivable
Bank owned life insurance
Loan servicing rights
SBIC investments
Liabilities:
Demand deposits
Time deposits
Federal Home Loan Bank advances
Junior subordinated debentures
Other borrowings
Accrued interest payable
Fair Value, Inputs, Level 2 [Member]
Assets:
Cash and equivalents
Trading securities
Securities available for sale	351,648	354,297
Loans held for sale	6,615	5,683
Loans receivable, net
Other investments, at cost	12,092	12,039
Accrued interest receivable	6,669	6,443
Bank owned life insurance	32,087	32,886
Loan servicing rights
SBIC investments
Liabilities:
Demand deposits	833,913	800,291
Time deposits
Federal Home Loan Bank advances	213,249	213,513
Junior subordinated debentures	13,720	12,440
Other borrowings	9,572	9,253
Accrued interest payable	1,173	1,647
Fair Value, Inputs, Level 2 [Member] | Interest Rate Swap [Member]
Assets:
Derivative asset	260	354
Liabilities:
Derivative Liabilities	861	462
Fair Value, Inputs, Level 3 [Member]
Assets:
Cash and equivalents
Trading securities
Securities available for sale	493	493
Loans held for sale	3,270	2,431
Loans receivable, net	1,046,552	1,046,136
Other investments, at cost
Accrued interest receivable
Bank owned life insurance
Loan servicing rights	2,753	2,837
SBIC investments	4,306	3,839
Liabilities:
Demand deposits
Time deposits	390,806	424,054
Federal Home Loan Bank advances
Junior subordinated debentures
Other borrowings
Accrued interest payable
Fair Value, Inputs, Level 3 [Member] | Mortgage Derivatives [Member]
Assets:
Derivative asset	45	34
Liabilities:
Derivative Liabilities	21	22
Reported Value Measurement [Member]
Assets:
Cash and equivalents	98,285	69,119
Trading securities	6,812	6,178
Securities available for sale	357,132	359,739
Loans held for sale	9,208	7,570
Loans receivable, net	1,079,837	1,076,069
Other investments, at cost	12,092	12,039
Accrued interest receivable	6,669	6,443
Bank owned life insurance	32,087	32,886
Loan servicing rights	2,753	2,837
SBIC investments	4,306	3,839
Liabilities:
Demand deposits	833,913	800,291
Time deposits	412,306	420,949
Federal Home Loan Bank advances	213,500	213,500
Junior subordinated debentures	14,433	14,433
Other borrowings	9,385	9,299
Accrued interest payable	1,173	1,647
Reported Value Measurement [Member] | Interest Rate Swap [Member]
Assets:
Derivative asset	260	354
Liabilities:
Derivative Liabilities	861	462
Reported Value Measurement [Member] | Mortgage Derivatives [Member]
Assets:
Derivative asset	45	34
Liabilities:
Derivative Liabilities	21	22
Fair Value Measurement [Member]
Assets:
Cash and equivalents	98,285	69,119
Trading securities	6,812	6,178
Securities available for sale	357,132	359,739
Loans held for sale	9,885	8,114
Loans receivable, net	1,046,136	1,046,136
Other investments, at cost	12,092	12,039
Accrued interest receivable	6,669	6,443
Bank owned life insurance	32,087	32,886
Loan servicing rights	2,753	2,837
SBIC investments	4,306	3,839
Liabilities:
Demand deposits	833,913	800,291
Time deposits	416,631	424,054
Federal Home Loan Bank advances	213,249	213,513
Junior subordinated debentures	13,720	12,440
Other borrowings	9,572	9,253
Accrued interest payable	1,173	1,647
Fair Value Measurement [Member] | Interest Rate Swap [Member]
Assets:
Derivative asset	260	354
Liabilities:
Derivative Liabilities	861	462
Fair Value Measurement [Member] | Mortgage Derivatives [Member]
Assets:
Derivative asset	45	34
Liabilities:
Derivative Liabilities	$ 21	$ 22

LEASES (Details)

LEASES (Details) $ in Thousands	Mar. 31, 2019USD ($)
Leases [Abstract]
2019	$ 107
2020	69
2021	53
2022	53
2023	53
Thereafter	177
Total undiscounted lease payments	512
Discount effect of cash flows	(68)
Total lease liability	$ 444

LEASES (Details Narrative)

LEASES (Details Narrative) $ in Thousands	3 Months Ended
	Mar. 31, 2019USD ($)
Leases [Abstract]
Total Operating Lease Cost	$ 56

SUBSEQUENT EVENTS (Details Narr

SUBSEQUENT EVENTS (Details Narrative) - Subsequent Event [Member] $ / shares in Units, $ in Thousands	Apr. 23, 2019USD ($)$ / shares
SmartFinancial, Inc. [Member]
Termination Fees Paid by First Citizens BancShares, Inc. | $	$ 6,400
First Citizens BancShares, Inc. [Member]
Cash Paid for each outstanding share of Enterga common stock (per Share) | $ / shares	$ 30.18