Independent Bank (IBCP) 10-K 4 Mar 22 2021 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2021	Mar. 03, 2022	Jun. 30, 2021
Cover [Abstract]
Document Type	10-K
Amendment Flag	false
Document Annual Report	true
Document Period End Date	Dec. 31, 2021
Current Fiscal Year End Date	--12-31
Document Fiscal Period Focus	FY
Document Fiscal Year Focus	2021
Document Transition Report	false
Entity File Number	0-7818
Entity Registrant Name	INDEPENDENT BANK CORPORATION
Entity Central Index Key	0000039311
Entity Incorporation, State or Country Code	MI
Entity Tax Identification Number	38-2032782
Entity Address, Address Line One	4200 East Beltline
Entity Address, City or Town	Grand Rapids
Entity Address, State or Province	MI
Entity Address, Postal Zip Code	49525
City Area Code	616
Local Phone Number	527-5820
Title of 12(b) Security	Common Stock, No Par Value
Trading Symbol	IBCP
Security Exchange Name	NASDAQ
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
ICFR Auditor Attestation Flag	true
Entity Shell Company	false
Entity Public Float			$ 460,580,409
Entity Common Stock, Shares Outstanding		21,196,430
Auditor Firm ID	173
Auditor Name	Crowe LLP
Auditor Location	South Bend, Indiana

CONSOLIDATED STATEMENTS OF FINA

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($) $ in Thousands		Dec. 31, 2021	Dec. 31, 2020
Assets
Cash and due from banks		$ 51,069	$ 56,006
Interest bearing deposits		58,404	62,699
Cash and Cash Equivalents		109,473	118,705
Securities available for sale		1,412,830	1,072,159
Federal Home Loan Bank and Federal Reserve Bank stock, at cost		18,427	18,427
Loans held for sale, carried at fair value		55,470	92,434
Loans held for sale, carried at lower of cost or fair value		34,811	0
Loans
Loans		2,905,045
Allowance for credit losses	[1]	(47,252)
Net Loans		2,857,793
Loans [Abstract]
Loans	[1]		2,733,678
Allowance for credit losses	[1]		(35,429)
Net Loans			2,698,249
Other real estate and repossessed assets, net		245	766
Property and equipment, net		36,404	36,127
Bank-owned life insurance		55,279	55,180
Capitalized mortgage loan servicing rights, carried at fair value		26,232	16,904
Other intangibles		3,336	4,306
Goodwill		28,300	28,300
Accrued income and other assets		66,140	62,456
Total Assets		4,704,740	4,204,013
Deposits
Non-interest bearing		1,321,601	1,153,473
Savings and interest-bearing checking		1,897,487	1,526,465
Reciprocal		586,626	556,185
Time		308,438	287,402
Brokered time		2,938	113,830
Total Deposits		4,117,090	3,637,355
Other borrowings		30,009	30,012
Subordinated debt		39,357	39,281
Subordinated debentures		39,592	39,524
Accrued expenses and other liabilities		80,208	68,319
Total Liabilities		4,306,256	3,814,491
Commitments and contingent liabilities
Shareholders' Equity
Preferred stock, no par value, 200,000 shares authorized; none issued or outstanding		0	0
Common stock, no par value, 500,000,000 shares authorized; issued and outstanding: 21,171,036 shares at December 31, 2021 and 21,853,800 shares at December 31, 2020		323,401	339,353
Retained earnings		74,582	40,145
Accumulated other comprehensive income		501	10,024
Total Shareholders' Equity		398,484	389,522
Total Liabilities and Shareholders' Equity		4,704,740	4,204,013
Commercial [Member]
Loans
Loans		1,203,581
Allowance for credit losses		(11,519)
Loans [Abstract]
Loans	[1]		1,242,415
Allowance for credit losses	[1]		(7,401)
Mortgage [Member]
Loans
Loans	[2]	1,139,659
Allowance for credit losses		(19,221)
Loans [Abstract]
Loans	[1]		1,015,926
Allowance for credit losses	[1]		(6,998)
Installment [Member]
Loans
Loans	[2]	561,805
Allowance for credit losses		$ (3,749)
Loans [Abstract]
Loans	[1]		475,337
Allowance for credit losses	[1]		$ (1,112)
[1]	Beginning January 1, 2021, calculation is based on CECL methodology. Prior to January 1, 2021, calculation was based on the probable incurred loss methodology.
[2]	Credit scores have been updated within the last twelve months.

CONSOLIDATED STATEMENTS OF FI_2

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (Parenthetical) - $ / shares	Dec. 31, 2021	Dec. 31, 2020
Shareholders' Equity
Preferred stock, par value (in dollars per share)	$ 0	$ 0
Preferred stock, shares authorized (in shares)	200,000	200,000
Preferred stock, shares issued (in shares)	0	0
Preferred stock, shares outstanding (in shares)	0	0
Common stock, par value (in dollars per share)	$ 0	$ 0
Common stock, shares authorized (in shares)	500,000,000	500,000,000
Common stock, shares issued (in shares)	21,171,036	21,853,800
Common stock, shares outstanding (in shares)	21,171,036	21,853,800

CONSOLIDATED STATEMENTS OF OPER

CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
INTEREST INCOME
Interest and fees on loans		$ 116,644	$ 123,159	$ 133,883
Interest on securities available for sale
Taxable		14,488	12,655	11,842
Tax-exempt		6,102	2,926	1,342
Other investments		846	1,089	1,861
Total Interest Income		138,080	139,829	148,928
INTEREST EXPENSE
Deposits		4,465	12,666	23,425
Other borrowings and subordinated debt and debentures		3,850	3,551	2,922
Total Interest Expense		8,315	16,217	26,347
Net Interest Income		129,765	123,612	122,581
Provision for credit losses	[1]	(1,928)
Provision for credit losses	[1]		12,463	824
Net Interest Income After Provision for Credit Losses		131,693	111,149	121,757
NON-INTEREST INCOME
Interchange income		14,045	11,230	10,297
Service charges on deposit accounts		10,170	8,517	11,208
Net gains on assets
Mortgage loans		35,880	62,560	19,978
Securities available for sale		1,411	267	307
Mortgage loan servicing, net		5,745	(9,350)	(3,336)
Other		9,392	7,521	9,282
Total Non-Interest Income		76,643	80,745	47,736
NON-INTEREST EXPENSE
Compensation and employee benefits		79,969	74,781	67,501
Data processing		10,823	8,534	8,905
Occupancy, net		8,794	8,938	9,013
Interchange expense		4,434	3,342	3,215
Furniture, fixtures and equipment		4,172	4,089	4,113
Loan and collection		3,172	3,037	2,685
Communications		3,080	3,194	2,947
Legal and professional		2,068	2,027	1,814
Advertising		1,918	2,230	2,450
Conversion related expense		1,827	2,586	0
FDIC deposit insurance		1,396	1,596	685
Costs related to unfunded lending commitments		1,207	263	246
Other		8,163	7,796	8,159
Total Non-interest Expense		131,023	122,413	111,733
Income Before Income Tax		77,313	69,481	57,760
Income tax expense		14,418	13,329	11,325
Net Income		$ 62,895	$ 56,152	$ 46,435
Net income per common share
Basic (in dollars per share)	[2]	$ 2.91	$ 2.56	$ 2.03
Diluted (in dollars per share)		$ 2.88	$ 2.53	$ 2
[1]	Beginning January 1, 2021, calculation is based on CECL methodology. Prior to January 1, 2021, calculation was based on the probable incurred loss methodology.
[2]	Basic net income per common share includes weighted average common shares outstanding during the period and participating share awards.

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME [Abstract]
Net income	$ 62,895	$ 56,152	$ 46,435
Securities available for sale
Unrealized gain (loss) arising during period	(10,644)	15,611	10,235
Change in unrealized gains and losses for which a portion of other than temporary impairment has been recognized in earnings	0	(49)	(65)
Reclassification adjustments for gains included in earnings	(1,411)	(267)	(140)
Unrealized gains (losses) recognized in other comprehensive income (loss) on securities available for sale	(12,055)	15,295	10,030
Income tax expense (benefit)	(2,532)	3,212	2,106
Unrealized gains (losses) recognized in other comprehensive income (loss) on securities available for sale, net of tax	(9,523)	12,083	7,924
Derivative instruments
Unrealized losses arising during period	0	(354)	(1,603)
Reclassification adjustment for (income) expense recognized in earnings	0	2,539	(425)
Unrealized gains (losses) recognized in other comprehensive income (loss) on derivative instruments	0	2,185	(2,028)
Income tax expense (benefit)	0	458	(426)
Unrealized gains (losses) recognized in other comprehensive income (loss) on derivative instruments, net of tax	0	1,727	(1,602)
Other comprehensive income (loss)	(9,523)	13,810	6,322
Comprehensive income	$ 53,372	$ 69,962	$ 52,757

CONSOLIDATED STATEMENTS OF SHAR

CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY - USD ($) $ in Thousands	Common Stock [Member]	Retained Earnings (Accumulated Deficit) [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Total	Cumulative Change, Adjustment [Member]Common Stock [Member]	Cumulative Change, Adjustment [Member]Retained Earnings (Accumulated Deficit) [Member]	Cumulative Change, Adjustment [Member]Accumulated Other Comprehensive Income (Loss) [Member]	Cumulative Change, Adjustment [Member]	Cumulative Change, Adjusted Balance [Member]Common Stock [Member]	Cumulative Change, Adjusted Balance [Member]Retained Earnings (Accumulated Deficit) [Member]	Cumulative Change, Adjusted Balance [Member]Accumulated Other Comprehensive Income (Loss) [Member]	Cumulative Change, Adjusted Balance [Member]
Balance at beginning of period at Dec. 31, 2018	$ 377,372	$ (28,270)	$ (10,108)	$ 338,994
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	0	46,435	0	46,435
Cash dividends declared	0	(16,554)	0	(16,554)
Repurchase of common stock	(26,284)	0	0	(26,284)
Issuance of common stock	284	0	0	284
Share based compensation	1,854	0	0	1,854
Share based compensation withholding obligation	(882)	0	0	(882)
Other comprehensive income (loss)	0	0	6,322	6,322
Balances at end of period at Dec. 31, 2019	352,344	1,611	(3,786)	350,169
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	0	56,152	0	56,152
Cash dividends declared	0	(17,618)	0	(17,618)
Repurchase of common stock	(14,231)	0	0	(14,231)
Issuance of common stock	15	0	0	15
Share based compensation	1,980	0	0	1,980
Share based compensation withholding obligation	(755)	0	0	(755)
Other comprehensive income (loss)	0	0	13,810	13,810
Balances at end of period at Dec. 31, 2020	339,353	40,145	10,024	389,522
Balances at end of period (ASU 2016-13 [Member]) at Dec. 31, 2020					$ 0	$ (10,303)	$ 0	$ (10,303)	$ 339,353	$ 29,842	$ 10,024	$ 379,219
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	0	62,895	0	62,895
Cash dividends declared	0	(18,155)	0	(18,155)
Repurchase of common stock	(17,269)	0	0	(17,269)
Issuance of common stock	61	0	0	61
Share based compensation	1,947	0	0	1,947
Share based compensation withholding obligation	(691)	0	0	(691)
Other comprehensive income (loss)	0	0	(9,523)	(9,523)
Balances at end of period at Dec. 31, 2021	$ 323,401	$ 74,582	$ 501	$ 398,484

CONSOLIDATED STATEMENTS OF SH_2

CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY [Abstract]
Cash dividends declared (in dollars per share)	$ 0.84	$ 0.80	$ 0.72
Repurchase of shares of common stock (in shares)	814,910	708,956	1,204,688
Issuance of shares of common stock (in shares)	40,350	17,317	71,799
Share based compensation, common stock (in shares)	128,018	103,429	92,275
Share based compensation withholding obligation, common stock (in shares)	36,222	39,633	57,468

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
CONSOLIDATED STATEMENTS OF CASH FLOWS [Abstract]
Net Income		$ 62,895	$ 56,152	$ 46,435
ADJUSTMENTS TO RECONCILE NET INCOME TO NET CASH FROM OPERATING ACTIVITIES
Proceeds from the sale of equity securities at fair value		0	0	560
Proceeds from sales of loans held for sale		1,283,741	1,478,908	642,537
Disbursements for loans held for sale		(1,210,897)	(1,438,982)	(647,606)
Provision for credit losses	[1]	(1,928)
Provision for credit losses	[1]		12,463	824
Deferred income tax (benefit) expense		1,912	(2,130)	1,088
Net deferred loan fees (costs)		(7,857)	1,686	(2,936)
Net depreciation, amortization of intangible assets and premiums and accretion of discounts on securities, loans and interest bearing deposits - time		12,130	9,161	6,059
Net gains on mortgage loans		(35,880)	(62,560)	(19,978)
Net gains on securities available for sale		(1,411)	(267)	(307)
Share based compensation		1,947	1,980	1,854
Increase in accrued income and other assets		(11,669)	(7,966)	(6,061)
Increase in accrued expenses and other liabilities		17,171	10,239	12,023
Total Adjustments		47,259	2,532	(11,943)
Net Cash From Operating Activities		110,154	58,684	34,492
CASH FLOW USED IN INVESTING ACTIVITIES
Proceeds from the sale of securities available for sale		85,371	38,095	68,716
Proceeds from maturities, prepayments and calls of securities available for sale		375,723	306,691	153,938
Purchases of securities available for sale		(824,348)	(859,068)	(237,672)
Proceeds from the maturity of interest bearing deposits - time		0	350	250
Purchase of Federal Home Loan Bank stock		0	(68)	0
Net increase in portfolio loans (loans originated, net of principal payments)		(205,539)	(41,861)	(215,276)
Proceeds from the sale of portfolio loans		10,032	2,395	50,516
Proceeds from the sale of other real estate and repossessed assets		1,004	1,367	1,766
Proceeds from bank-owned life insurance		467	1,441	470
Proceeds from the sale of property and equipment		63	1,133	74
Capital expenditures		(5,837)	(4,383)	(4,936)
Net Cash Used in Investing Activities		(563,064)	(553,908)	(182,154)
CASH FLOW FROM FINANCING ACTIVITIES
Net increase in total deposits		479,735	600,628	123,299
Net increase (decrease) in other borrowings		(3)	(24,994)	25,002
Proceeds from Federal Home Loan Bank advances		100,000	239,254	111,000
Payments of Federal Home Loan Bank advances		(100,000)	(272,910)	(73,143)
Proceeds from issuance of subordinated debt, net of issuance costs		0	39,236	0
Dividends paid		(18,155)	(17,618)	(16,554)
Proceeds from issuance of common stock		61	15	284
Repurchase of common stock		(17,269)	(14,231)	(26,284)
Share based compensation withholding obligation		(691)	(755)	(882)
Net Cash From Financing Activities		443,678	548,625	142,722
Net Increase (Decrease) in Cash and Cash Equivalents		(9,232)	53,401	(4,940)
Cash and Cash Equivalents at Beginning of Year		118,705	65,304	70,244
Cash and Cash Equivalents at End of Year		109,473	118,705	65,304
Cash paid during the year for
Interest		8,419	16,912	26,697
Income taxes		14,059	15,500	9,534
Transfers to other real estate and repossessed assets		253	332	2,242
Transfer of mortgage loans to held for sale		34,811	0	36,622
Securitization of portfolio loans		0	26,324	65,070
Right of use assets obtained in exchange for lease obligations		283	1,587	9,906
Purchase of securities available for sale not yet settled		$ 0	$ 1,000	$ 0
[1]	Beginning January 1, 2021, calculation is based on CECL methodology. Prior to January 1, 2021, calculation was based on the probable incurred loss methodology.

ACCOUNTING POLICIES

ACCOUNTING POLICIES	12 Months Ended
	Dec. 31, 2021
ACCOUNTING POLICIES [Abstract]
ACCOUNTING POLICIES	NOTE 1 – ACCOUNTING POLICIES The accounting and reporting policies and practices of Independent Bank Corporation and subsidiaries (‘‘IBCP’’) conform to accounting principles generally accepted in the United States of America and prevailing practices within the banking industry. Our critical accounting policies include the determination of the allowance for credit losses and the valuation of capitalized mortgage loan servicing rights. We are required to make material estimates and assumptions that are particularly susceptible to changes in the near term as we prepare the consolidated financial statements and report amounts for each of these items. Actual results may vary from these estimates. Our subsidiary, Independent Bank (‘‘Bank’’), transacts business in the single industry of commercial banking. Our Bank’s activities cover traditional phases of commercial banking, including checking and savings accounts, commercial lending, direct and indirect consumer financing and mortgage lending. Our principal markets are the rural and suburban communities across Lower Michigan that are served by our Bank’s branches and loan production offices as well as two loan productions offices we have in Ohio. At December 31, 2021, 69.0% of our Bank’s loan portfolio was secured by real estate. PRINCIPLES OF CONSOLIDATION STATEMENTS OF CASH FLOWS INTEREST BEARING DEPOSITS LOANS HELD FOR SALE Certain portfolio loans were reclassified to held for sale as of December 31, 2021, were carried at the lower of cost or fair value on an aggregate loan basis and were sold during the first quarter of 2022. OPERATING SEGMENTS CAPITALIZED MORTGAGE LOAN SERVICING RIGHTS Mortgage loan servicing income is recorded for fees earned for servicing loans previously sold. The fees are generally based on a contractual percentage of the outstanding principal and are recorded as income when earned. Mortgage loan servicing fees, excluding fair value changes of capitalized mortgage loan servicing rights, totaled $7.9 million, $6.9 million and $6.2 million for the years ended December 31, 2021, 2020 and 2019, respectively. Late fees and ancillary fees related to loan servicing are not material. TRANSFERS OF FINANCIAL ASSETS SECURITIES Securities available for sale in unrealized loss positions are evaluated quarterly for impairment related to credit losses. For securities available for sale in an unrealized loss position, we first assess whether we intend to sell, or it is more likely than not that we will be required to sell the security before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the security’s amortized cost basis is written down to fair value through income. For securities available for sale that do not meet this criteria, we evaluate whether the decline in fair value has resulted from credit losses or other factors. In making this assessment, we consider the extent to which fair value is less than amortized cost, adverse conditions specifically related to the security and the issuer and the impact of changes in market interest rates on the market value of the security, among other factors. If this assessment indicates that a credit loss exists, we compare the present value of cash flows expected to be collected from the security with the amortized cost basis of the security. If the present value of cash flows expected to be collected is less than the amortized cost basis for the security, a credit loss exists and an ACL is recorded, limited to the amount that the fair value of the security is less than its amortized cost basis. Any impairment that has not been recorded through an ACL is recognized in other comprehensive income (loss), net of applicable taxes. Gains and losses realized on the sale of securities available for sale are determined using the specific identification method and are recognized on a trade-date basis. FEDERAL HOME LOAN BANK (‘‘FHLB’’) STOCK FEDERAL RESERVE BANK (‘‘FRB’’) STOCK LOAN REVENUE RECOGNITION Certain loan fees and direct loan origination costs are deferred and recognized as an adjustment of yield generally over the contractual life of the related loan. Fees received in connection with loan commitments are deferred until the loan is advanced and are then recognized generally over the contractual life of the loan as an adjustment of yield. Fees on commitments that expire unused are recognized at expiration. Fees received for letters of credit are recognized as revenue over the life of the commitment. ALLOWANCE FOR CREDIT LOSSES (“ACL”) — Our loan portfolio is disaggregated into segments for purposes of determining the ACL which include commercial, mortgage and installment loans. These segments are further disaggregated into classes for purposes of monitoring and assessing credit quality based on certain risk characteristics. Classes within the commercial loan segment include (i) commercial and industrial and (ii) commercial real estate. Classes within the mortgage loan segment include (i) 1-4 family owner occupied - jumbo, (ii) 1-4 family owner occupied - non-jumbo, (iii) 1-4 family non-owner occupied (iv) 1-4 family - 2nd lien and (v) resort lending. Classes within the installment loan segment include (i) boat lending, (ii) recreational vehicle lending, and (iii) other. Commercial loans are subject to adverse market conditions which may impact the borrower’s ability to make repayment on the loan or could cause a decline in the value of the collateral that secures the loan. Mortgage and installment loans are subject to adverse employment conditions in the local economy which could increase default rates. In addition, mortgage loans and real estate based installment loans are subject to adverse market conditions which could cause a decline in the value of collateral that secures the loan. For an analysis of the ACL by portfolio segment and credit quality information by class, see note #4. We estimate the ACL based on relevant available information from both internal and external sources, including historical loss trends, current conditions and forecasts, specific analysis of individual loans, and other relevant and appropriate factors. The allowance process is designed to provide for expected future losses based on our reasonable and supportable (“R&S”) forecast as of the reporting date. Our ACL process is administered by our Risk Management group utilizing a third party software solution, with significant input and ultimate approval from our Executive Enterprise Risk Committee. Further, we have established a current expected credit loss (“CECL”) Forecast Committee, which includes a cross discipline structure with membership from Executive Management, Risk Management, and Accounting, which approves ACL model assumptions each quarter. Our ACL is comprised of three principal elements: (i) specific analysis of individual loans identified during the review of the loan portfolio, (ii) pooled analysis of loans with similar risk characteristics based on historical experience, adjusted for current conditions, R&S forecasts, and expected prepayments, and (iii) additional allowances based on subjective factors, including local and general economic business factors and trends, portfolio concentrations and changes in the size and/or the general terms of the loan portfolio. The first ACL element (specific allocations) includes loans that do not share similar risk characteristics and are evaluated on an individual basis. We will typically evaluate on an individual basis loans that are on nonaccrual; commercial loans that have been modified resulting in a concession, for which the borrower is experiencing financial difficulties, and which are considered troubled debt restructurings (“TDR”); and severely delinquent mortgage and installment loans. A loan can be removed from TDR status if it is subsequently restructured, the borrower is no longer experiencing financial difficulties, and the newly restructured agreement does not contain any concessions to the borrower. The new agreement must specify market terms, including a contractual interest rate not less than a market interest rate for a new loan with similar credit risk characteristics, and other terms no less favorable to us than those we would offer for a similar new loan. For loans that we evaluate on an individual basis and we determine that foreclosure is probable or when repayment is expected to be provided substantially through the operation or sale of underlying collateral, expected credit losses are based on the fair value of the collateral at the reporting date, adjusted for estimated selling costs. For loans evaluated on an individual basis that are not determined to be collateral dependent, a discounted cash flow analysis is performed to determine expected credit losses. The second ACL element (pooled analysis) includes loans with similar risk characteristics, which are broken down by segment, class, and risk metric. The Bank’s primary segments of commercial, mortgage, and installment loans are further classified by other relevant attributes, such as collateral type, lien position, occupancy status, amortization method, and balance size. Commercial classes are additionally segmented by risk rating, and mortgage and installment loan classes by credit score tier, which are updated at least semi-annually. We utilize a discounted cash flow (“DCF”) model to estimate expected future losses for pooled loans. Expected future cash flows are developed from payment schedules over the contractual term, adjusted for forecasted default (probability of default), loss, and prepayment assumptions. We are not required to develop forecasts over the full contractual term of the financial asset or group of financial assets. Rather, for periods beyond which we are able to make or obtain R&S forecasts of expected credit losses, we revert to the long term average on a straight line or immediate basis, as determined by our CECL Forecast Committee, and which may vary depending on the economic outlook and uncertainty. The DCF model for the mortgage and installment pooled loan segments includes using probability of default (“PD”) assumptions that are derived through regression analysis with forecasted US unemployment levels by credit score tier. We review a composite forecast of approximately 50 analysts as well as the Federal Open Market Committee (“FOMC”) projections in setting the unemployment forecast for the R&S period. The current ACL utilizes a one year R&S forecast followed by immediate reversion to the 30 year average unemployment rate. PD assumptions for the remaining segments are based primarily on historical rates by risk metric as defaults were not strongly correlated with any economic indicator. Loss given default (“LGD”) assumptions for the mortgage loan segment are based on a two year forecast followed by a two year straight line reversion period to the longer term average, while LGD rates for the remaining segments are the historical average for the entire period. Prepayment assumptions represent average rates per segment for a period determined by the CECL Forecast Committee and as calculated through the Bank’s Asset and Liability Management program. Pooled reserves for the commercial loan segment are calculated using the DCF model with assumptions generally based on historical averages by class and risk rating. Effective risk rating practices allow for strong predictability of defaults and losses over the portfolio’s expected shorter duration, relative to mortgage and installment loans. Our rating system is similar to those employed by state and federal banking regulators. The third ACL element (additional allocations based on subjective factors) is based on factors that cannot be associated with a specific credit or loan category and reflects our attempt to ensure that the overall ACL appropriately reflects a margin for the imprecision necessarily inherent in the estimates of expected credit losses. We adjust our quantitative model for certain qualitative factors to reflect the extent to which management expects current conditions and R&S forecasts to differ from the conditions that existed for the period over which historical information was evaluated. The qualitative framework reflects changes related to relevant data, such as changes in asset quality trends, portfolio growth and composition, national and local economic factors, credit policy and administration and other factors not considered in the base quantitative model. We utilize a survey completed by business unit management throughout the Bank, as well as discussion with the CECL Forecast Committee to establish reserves under the qualitative framework. The current period’s ACL further recognizes inherent risk related to the ongoing COVID-19 pandemic; specifically to commercial loans in high risk industries and mortgage and installment borrowers with occupations in those high risk industries. Identified high risk industries include: food service, hospitality, entertainment, retail, investment real estate, assisted living, and non-owner occupied office. Prior to January 1, 2021, the calculation of the allowance was based on the probable incurred loss methodology. Increases in the ACL are recorded by a provision for credit losses charged to expense. Although we periodically allocate portions of the ACL to specific loans and loan portfolios, the entire ACL is available for losses. We generally charge-off commercial, homogenous residential mortgage and installment loans when they are deemed uncollectible or reach a predetermined number of days past due based on loan product, industry practice and other factors. Collection efforts may continue and recoveries may occur after a loan is charged against the ACL. While we use relevant information to recognize losses on loans, additional provisions for related losses may be necessary based on changes in economic conditions, customer circumstances and other credit risk factors. Section 4013 of the Coronavirus Aid, Relief, and Economic Security (“CARES Act”) provides temporary relief from the accounting and reporting requirements for troubled debt restructurings (“TDR”) regarding certain loan modifications for our customers. Section 4013 specified that COVID-19 related modifications on loans that were current as of December 31, 2019 are not TDRs. The provisions of Section 4013 were extended to the earlier of 60 days after the termination of the national emergency that was previously declared on March 13, 2020 or January 1, 2022 by the Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act which was signed into law on December 27, 2020. Loans not covered under these provisions, which have been modified resulting in a concession, and which the borrower is experiencing financial difficulties, are considered to be TDRs. We measure our investment in a TDR loan using one of three methods: the loan’s observable market price, the fair value of the collateral or the present value of expected future cash flows discounted at the loan’s effective interest rate. Large groups of smaller balance homogeneous loans, such as those loans included in each installment and mortgage loan class, are collectively evaluated and accordingly, they are not separately identified for disclosure. TDR loans are measured at the present value of estimated future cash flows using the loan’s effective interest rate at inception of the loan. If a TDR is considered to be a collateral dependent loan, the loan is reported net, at the fair value of collateral. A loan can be removed from TDR status if it is subsequently restructured and the borrower is no longer experiencing financial difficulties and the newly restructured agreement does not contain any concessions to the borrower. The new agreement must specify market terms, including a contractual interest rate not less than a market interest rate for a new loan with similar credit risk characteristics, and other terms no less favorable to us than those we would offer for a similar new loan. PROPERTY AND EQUIPMENT BANK OWNED LIFE INSURANCE OTHER REAL ESTATE AND REPOSSESSED ASSETS OTHER INTANGIBLES GOODWILL INCOME TAXES A tax position is recognized as a benefit only if it is ‘‘more likely than not’’ that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized on examination. We recognize interest and/or penalties related to income tax matters in income tax expense in the Consolidated Statements of Operations. We file a consolidated federal income tax return. Intercompany tax liabilities are settled as if each subsidiary filed a separate return. COMMITMENTS TO EXTEND CREDIT AND RELATED FINANCIAL INSTRUMENTS DERIVATIVE FINANCIAL INSTRUMENTS At the inception of the derivative we designate the derivative as one of three types based on our intention and belief as to likely effectiveness as a hedge. These three types are (1) a hedge of the fair value of a recognized asset or liability or of an unrecognized firm commitment (‘‘Fair Value Hedge’’), (2) a hedge of a forecasted transaction or the variability of cash flows to be received or paid related to a recognized asset or liability (‘‘Cash Flow Hedge’’), or (3) an instrument with no hedging designation. For a Fair Value Hedge, the gain or loss on the derivative, as well as the offsetting loss or gain on the hedged item, are recognized in interest income in our Consolidated Statements of Operations. For a Cash Flow Hedge, the gain or loss on the derivative is reported in other comprehensive income (loss) and is reclassified into earnings in the same periods during which the hedged transaction affects earnings. For instruments with no hedging designation, the gain or loss on the derivative is reported in earnings. These free standing instruments currently consist of (i) mortgage banking related derivatives and include rate-lock loan commitments to fund mortgage loans (interest rate locks) to be sold into the secondary market and mandatory forward commitments for the future delivery of these mortgage loans, (ii) certain pay-fixed and pay-variable interest rate swap agreements related to commercial loan customers, (iii) certain purchased and written options related to a time deposit product and (iv) swaption agreement related to certain construction loans held for sale. The fair value of rate-lock mortgage loan commitments is based on agency cash window loan pricing for comparable assets and the fair value of mandatory commitments to sell mortgage loans is based on mortgage backed security pricing for comparable assets. We enter into mandatory forward commitments for the future delivery of mortgage loans generally when interest rate locks are entered into in order to hedge the change in interest rates resulting from our commitments to fund the loans. Changes in the fair values of these derivatives are included in net gains on mortgage loans in the Consolidated Statements of Operations. Fair values of the pay-fixed and pay-variable interest rate swap agreements are derived from proprietary models which utilize current market data and are included in net interest income in the Consolidated Statements of Operations. Fair values of the purchased and written options are based on prices of financial instruments with similar characteristics and are included in net interest income in the Consolidated Statements of Operations. Fair values of swaption agreements are derived from proprietary models which utilize current market data and are included in net gains on mortgage loans in the Consolidated Statements of Operations. Net cash settlements on derivatives that qualify for hedge accounting are recorded in interest expense in the Consolidated Statements of Operations. Net cash settlements on derivatives that do not qualify for hedge accounting are reported in non-interest income (mortgage banking related derivatives) or net interest income (interest rate swap agreements and options) in the Consolidated Statements of Operations. Cash flows on hedges are classified in the cash flow statement the same as the cash flows of the items being hedged. We formally document the relationship between derivatives and hedged items, as well as the risk- management objective and the strategy for undertaking hedge transactions, at the inception of the hedging relationship. This documentation includes linking Fair Value or Cash Flow Hedges to specific assets and liabilities on the Consolidated Statements of Financial Condition or to specific firm commitments or forecasted transactions. We discontinue hedge accounting when it is determined that the derivative is no longer effective in offsetting changes in the fair value or cash flows of the hedged item, the derivative is settled or terminates, a hedged forecasted transaction is no longer probable, a hedged firm commitment is no longer firm, or treatment of the derivative as a hedge is no longer appropriate or intended. When hedge accounting is discontinued, subsequent changes in fair value of the derivative are recorded in earnings. When a Fair Value Hedge is discontinued, the hedged asset or liability is no longer adjusted for changes in fair value and the existing basis adjustment is amortized or accreted over the remaining life of the asset or liability. When a Cash Flow Hedge is discontinued but the hedged cash flows or forecasted transactions are still expected to occur, gains or losses that were accumulated in other comprehensive income (loss) are amortized into earnings over the same periods which the hedged transactions will affect earnings. COMPREHENSIVE INCOME NET INCOME PER COMMON SHARE SHARE BASED COMPENSATION COMMON STOCK RECLASSIFICATION ADOPTION OF NEW ACCOUNTING STANDARDS — In June 2016, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2016-13, Instruments — Credit Losses (Topic 326), Measurement of Credit Losses on Financial . This ASU significantly changes how entities will measure credit losses for most financial assets and certain other instruments that are not measured at fair value through net income. This ASU: • Replaces the existing incurred loss impairment guidance and establishes a single allowance framework for financial assets carried at amortized cost, which will reflect our estimate of credit losses over the full remaining expected life of the financial assets and will consider expected future changes in macroeconomic conditions. • Eliminates existing guidance for purchase credit impaired loans, and requires recognition of the nonaccretable difference as an increase to the allowance for expected credit losses on financial assets purchased with more than insignificant credit deterioration since origination, which will be offset by an increase in the recorded investment of the related loans. • Requires inclusion of expected recoveries, limited to the cumulative amount of prior write-offs, when estimating the ACL for in scope financial assets (including collateral dependent assets). • Amends existing impairment guidance for securities available for sale to incorporate an allowance, which will allow for reversals of credit impairments in the event that the credit of an issuer improves. Credit losses on securities available for sale are limited to the amount of the decline in fair value regardless of what the credit loss model would show for impairment. • Generally requires a cumulative-effect adjustment to retained earnings as of the beginning of the reporting period of adoption. We were originally required to adopt this ASU on January 1, 2020 but section 4014 of the CARES Act allowed for temporary relief from applying this ASU. Under the amended CARES Act we were allowed to delay the adoption of this ASU until the earlier of the termination of the national emergency that was declared on March 13, 2020, or January 1, 2022. Early adoption was also allowed on either January or January As such, we chose to delay the adoption of this ASU during and adopted this ASU on January Results for the reporting periods after January are presented under this new ASU while prior period amounts continue to be reported in accordance with previously applicable accounting guidance. We adopted this ASU using the modified retrospective method for all financial assets measured at amortized cost and unfunded lending commitments. As of January we increased the ACL by which was primarily driven by the longer contractual maturities of our mortgage and installment loan portfolio segments. In addition, we increased the allowance for losses related to unfunded loan commitments by . As of January we recorded a cumulative-effect adjustment, net of tax, of to decrease retained earnings. Based on our evaluation of securities available for sale, we did not record an ACL on these securities under this ASU. We adopted this ASU using the prospective transition approach for financial assets purchased with credit deterioration (“PCD”) that were previously classified as PCI and accounted for under accounting standards codification (“ASC”) - In accordance with this ASU, we did not reassess whether PCI assets met the definition of PCD assets as of the date of adoption. On January the amortized cost basis of the PCD assets were adjusted to reflect the addition of to the ACL for loans. The remaining noncredit discount in the amount of (based on the adjusted amortized cost basis) will be accreted into interest income at the effective interest rate as of January The impact of the adoption of this ASU follows: As Reported Under ASU - Pre-ASU - Adoption Impact of ASU - (In thousands) Assets Loans Commercial $ 1,242,510 $ 1,242,415 $ 95 Mortgage 1,015,944 1,015,926 18 Installment 475,358 475,337 21 Total loans 2,733,812 2,733,678 134 Allowance for credit losses (47,137 ) (35,429 ) (11,708 ) Net loans $ 2,686,675 $ 2,698,249 $ (11,574 ) Deferred tax assets $ 3,015 $ 275 $ 2,740 Total Assets $ 4,195,179 $ 4,204,013 $ (8,834 ) Liabilities and shareholders’ equity Allowance for credit losses on unfunded lending commitments $ 3,274 $ 1,805 $ 1,469 Total liabilities $ 3,815,960 $ 3,814,491 $ 1,469 Retained earnings $ 29,842 $ 40,145 $ (10,303 ) Total shareholders’ equity $ 379,219 $ 389,522 $ (10,303 ) Total liabilities and shareholders’ equity $ 4,195,179 $ 4,204,013 $ (8,834 ) (1) Included in Accrued income and other assets in our Consolidated Statements of Financial Condition. (2) Included in Accrued expenses and other liabilities in our Consolidated Statements of Financial Condition. In March 2020, the FASB issued ASU 2020-04, ‘‘Reference Rate Reform (Topic 848), Facilitation of the Effects of Reference Rate Reform on Financial Reporting’’. This new ASU provides temporary optional expedients and exceptions to GAAP guidance on contract modifications and hedge accounting to ease the financial reporting burdens of the expected market transition from LIBOR and other interbank offered rates to alternative reference rates. Entities can elect not to apply certain modification accounting requirements to contracts affected by reference rate reform, if certain criteria are met. Entities that make such elections would not have to remeasure contracts at the modification date or reassess a previous accounting determination. Entities can elect various optional expedients that would allow them to continue applying hedge accounting for hedging relationships affected by reference rate reform, if certain criteria are met. We have formed a cross-functional project team to lead this transition from LIBOR to a planned adoption of reference rates which could include Secured Overnight Financing Rate (“SOFR”), amongst others. We are utilizing the timeline guidance published by the Alternative Reference Rates Committee to develop and achieve internal milestones during this transitional period. We have discontinued the use of new LIBOR-based loans and interest rate derivatives as of December 31, 2021, according to regulatory guidelines. The amended guidance under Topic 848 and our ability to elect its temporary optional expedients and exceptions are effective for us through December 31, 2022. We expect to adopt the LIBOR transition relief allowed under this standard.

RESTRICTIONS ON CASH AND DUE FR

RESTRICTIONS ON CASH AND DUE FROM BANKS	12 Months Ended
	Dec. 31, 2021
RESTRICTIONS ON CASH AND DUE FROM BANKS [Abstract]
RESTRICTIONS ON CASH AND DUE FROM BANKS	NOTE 2 – RESTRICTIONS ON CASH AND DUE FROM BANKS During March 2020 the FRB, in response to the COVID-19 pandemic, reduced our Bank’s reserve balance requirements to zero. Prior to that time our Bank was required to maintain reserve balances in the form of vault cash and balances with the FRB. The average reserve balances to be maintained during 2021 and 2020 were zero and $9.2 million, respectively. We do not maintain compensating balances with correspondent banks. We may also be required to maintain reserve balances related to certain mortgage banking related derivatives not classified as hedges. These balances are held at unrelated financial institutions and totaled zero and $0.74 million at December 31, 2021 and 2020, respectively.

SECURITIES

SECURITIES	12 Months Ended
	Dec. 31, 2021
SECURITIES [Abstract]
SECURITIES	NOTE 3 – SECURITIES Securities available for sale consist of the following at December 31: Amortized Unrealized Cost Gains Losses Fair Value (In thousands) 2021 U.S. agency $ 34,634 $ 152 $ 112 $ 34,674 U.S. agency residential mortgage-backed 309,907 1,952 3,874 307,985 U.S. agency commercial mortgage-backed 23,066 84 224 22,926 Private label mortgage-backed 102,480 807 672 102,615 Other asset backed 215,235 1,204 269 216,170 Obligations of states and political subdivisions 568,355 9,942 2,221 576,076 Corporate 148,707 2,446 1,194 149,959 Trust preferred 1,975 - 56 1,919 Foreign government 499 7 - 506 Total $ 1,404,858 $ 16,594 $ 8,622 $ 1,412,830 2020 U.S. agency $ 10,456 $ 305 $ 13 $ 10,748 U.S. agency residential mortgage-backed 340,224 4,951 593 344,582 U.S. agency commercial mortgage-backed 6,869 326 - 7,195 Private label mortgage-backed 41,429 1,539 139 42,829 Other asset backed 252,596 1,796 211 254,181 Obligations of states and political subdivisions 315,780 8,691 178 324,293 Corporate 82,307 3,807 97 86,017 Trust preferred 1,971 - 173 1,798 Foreign government 500 16 - 516 Total $ 1,052,132 $ 21,431 $ 1,404 $ 1,072,159 Our investments’ gross unrealized losses and fair values aggregated by investment type and length of time that individual securities have been at a continuous unrealized loss position, at December 31 follows: Less Than Twelve Months Twelve Months or More Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses (In thousands) 2021 U.S. agency $ 11,986 $ 109 $ 1,286 $ 3 $ 13,272 $ 112 U.S. agency residential mortgage-backed 171,398 3,555 19,024 319 190,422 3,874 U.S. agency commercial mortgage-backed 19,900 224 - - 19,900 224 Private label mortgage-backed 64,408 640 2,180 32 66,588 672 Other asset backed 86,581 248 978 21 87,559 269 Obligations of states and political subdivisions 178,484 2,151 7,093 70 185,577 2,221 Corporate 75,166 1,150 1,050 44 76,216 1,194 Trust preferred - - 1,919 56 1,919 56 Total $ 607,923 $ 8,077 $ 33,530 $ 545 $ 641,453 $ 8,622 2020 U.S. agency $ 1,469 $ 3 $ 2,329 $ 10 $ 3,798 $ 13 U.S. agency residential mortgage-backed 96,839 592 83 1 96,922 593 Private label mortgage-backed 11,838 95 2,050 44 13,888 139 Other asset backed 7,142 25 21,197 186 28,339 211 Obligations of states and political subdivisions 28,957 177 800 1 29,757 178 Corporate 1,924 97 - - 1,924 97 Trust preferred - - 1,798 173 1,798 173 Total $ 148,169 $ 989 $ 28,257 $ 415 $ 176,426 $ 1,404 Securities available for sale in unrealized loss positions are evaluated quarterly for impairment related to credit losses. For securities available for sale in an unrealized loss position, we first assess whether we intend to sell, or it is more likely than not that we will be required to sell, the security before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the security’s amortized cost basis is written down to fair value through income. For securities available for sale that do not meet this criteria, we evaluate whether the decline in fair value has resulted from credit losses or other factors. In making this assessment, we consider the extent to which fair value is less than amortized cost, adverse conditions specifically related to the security and the issuer and the impact of changes in market interest rates on the market value of the security, among other factors. If this assessment indicates that a credit loss exists, we compare the present value of cash flows expected to be collected from the security with the amortized cost basis of the security. If the present value of cash flows expected to be collected is less than the amortized cost basis for the security, a credit loss exists and an ACL is recorded, limited to the amount that the fair value of the security is less than its amortized cost basis. Any impairment that has not been recorded through an ACL is recognized in other comprehensive income (loss), net of applicable taxes. No ACL for securities available for sale was needed at December 31, 2021. Accrued interest receivable on securities available for sale totaled $6.0 million at December 31, 2021, is excluded from the estimate of credit losses and is included in accrued income and other assets in the Consolidated Statements of Financial Condition U.S. agency, U.S. agency residential mortgage-backed and U.S. agency commercial mortgage backed securities — at December 31, 2021, we had 19 U.S. agency, 67 U.S. agency residential mortgage-backed and 23 U.S. agency commercial mortgage-backed securities whose fair value is less than amortized cost. These securities are either explicitly or implicitly guaranteed by the U.S. government, are highly rated by major credit rating agencies, and have a long history of no credit losses. The unrealized losses are largely attributed to widening spreads to Treasury bonds and/or an increase in interest rates since Private label mortgage backed, other asset backed and corporate securities — at December 31, 2021, we had 49 private label mortgage backed, 51 other asset backed and 57 corporate securities whose fair value is less than amortized cost. The unrealized losses are primarily due to credit spread widening and/or an increase in interest rates since acquisition. Obligations of states and political subdivisions — at December 31, 2021, we had municipal securities whose fair value is less than amortized cost. The unrealized losses are primarily due to an increase in interest rates since acquisition. Trust preferred securities — at December 31, 2021, we had trust preferred securities whose fair value is less than amortized cost. Both of our trust preferred securities are single issue securities issued by a trust subsidiary of a bank holding company. The pricing of trust preferred securities has suffered from credit spread widening. of the securities is rated by a major rating agency as investment grade while the other is non-rated. The non-rated issue is a relatively small bank and was never rated. The issuer of this non-rated trust preferred security, which had a total amortized cost of $ million and total fair value of $ million as of December 31, 2021, continues to have satisfactory credit metrics and make interest payments. At December 31, 2021 management does not intend to liquidate any of the securities discussed above and it is more likely than not that we will not be required to sell these securities prior to recovery of these unrealized losses. We recorded no credit related charges in our Consolidated Statements of Operations related to securities available for sale during 2021, 2020, and 2019. The amortized cost and fair value of securities available for sale at December 31, 2021, by contractual maturity, follow: Amortized Cost Fair Value (In thousands) Maturing within one year $ 13,874 $ 13,991 Maturing after one year but within five years 133,681 134,901 Maturing after five years but within ten years 266,057 266,282 Maturing after ten years 340,558 347,960 754,170 763,134 U.S. agency residential mortgage-backed 309,907 307,985 U.S. agency commercial mortgage-backed 23,066 22,926 Private label mortgage-backed 102,480 102,615 Other asset backed 215,235 216,170 Total $ 1,404,858 $ 1,412,830 The actual maturity may differ from the contractual maturity because issuers may have the right to call or prepay obligations with or without call or prepayment penalties. A summary of proceeds from the sale of securities available for sale and gains and losses for the years ended December 31 follow: Realized Proceeds Gains Losses (In thousands) 2021 $ 85,371 $ 1,475 $ 64 2020 38,095 271 4 2019 68,716 248 108 Certain preferred stocks which were sold during 2019 had been classified as equity securities at fair value in our Consolidated Statement of Financial Condition. During 2019 we recognized gains on these preferred stocks of $0.17 million that are included in net gains on securities in the Consolidated Statements of Operations. Securities available for sale with a book value of $10.5 million and $14.0 million at December 31, 2021 and 2020, respectively, were pledged to secure borrowings, derivatives, public deposits and for other purposes as required by law. There were no investment obligations of state and political subdivisions that were payable from or secured by the same source of revenue or taxing authority that exceeded 10% of consolidated total shareholders’ equity at December 31, 2021 or 2020.

LOANS

LOANS	12 Months Ended
	Dec. 31, 2021
LOANS [Abstract]
LOANS	NOTE 4 – LOANS Our loan portfolios at December 31 follow: 2021 2020 (In thousands) Real estate (1) Residential first mortgages $ 870,169 $ 792,762 Residential home equity and other junior mortgages 128,801 138,128 Construction and land development 278,992 232,693 Other (2) 726,224 669,150 Consumer 339,785 468,090 Commercial 555,696 429,011 Agricultural 5,378 3,844 Total loans $ 2,905,045 $ 2,733,678 (1) Includes both residential and non-residential commercial loans secured by real estate. (2) Includes loans secured by multi-family residential and non-farm, non-residential property. Loans include net deferred loan costs of $22.4 million and $14.6 million at December 31, 2021 and 2020, respectively. During 2021, we sold of portfolio residential fixed rate mortgage loans servicing retained into the ary market and recognized a gain on sale of . An analysis of the ACL by portfolio segment for the years ended December 31 follows: Commercial Mortgage Installment Subjective Allocation Total (In thousands) 2021 Balance at beginning of period $ 7,401 $ 6,998 $ 1,112 $ 19,918 $ 35,429 Additions (deductions) Impact of adoption of CECL 2,551 12,000 3,052 (6,029 ) 11,574 Provision for credit losses (1,135 ) (266 ) 599 (1,126 ) (1,928 ) Initial allowance on loans purchased with credit deterioration 95 18 21 - 134 Recoveries credited to allowance 2,607 846 1,024 - 4,477 Loans charged against the allowance - (375 ) (2,059 ) - (2,434 ) Balance at end of period $ 11,519 $ 19,221 $ 3,749 $ 12,763 $ 47,252 2020 Balance at beginning of period $ 7,922 $ 8,216 $ 1,283 $ 8,727 $ 26,148 Additions (deductions) Provision for credit losses (1) 1,751 (915 ) 436 11,191 12,463 Recoveries credited to allowance 1,804 513 752 - 3,069 Loans charged against the allowance (4,076 ) (816 ) (1,359 ) - (6,251 ) Balance at end of period $ 7,401 $ 6,998 $ 1,112 $ 19,918 $ 35,429 2019 Balance at beginning of period $ 7,090 $ 7,978 $ 895 $ 8,925 $ 24,888 Additions (deductions) Provision for credit losses (1) (651 ) 526 1,147 (198 ) 824 Recoveries credited to allowance 2,165 933 863 - 3,961 Loans charged against the allowance (682 ) (1,221 ) (1,622 ) - (3,525 ) Balance at end of period $ 7,922 $ 8,216 $ 1,283 $ 8,727 $ 26,148 (1) Beginning January 1, 2021, calculation is based on CECL methodology. Prior to January 1, 2021, calculation was based on the probable incurred loss methodology. The allocation of the ACL by portfolio segment at December 31 follows: 2021 2020 Allowance for Credit Losses Amount Percent of Loans to Total Portfolio Loans Allowance for Credit Losses Amount (1) Percent of Loans to Total Portfolio Loans (Dollars in thousands) Commercial $ 11,519 41.5 % $ 7,401 45.4 % Mortgage 19,221 39.2 6,998 37.2 Installment 3,749 19.3 1,112 17.4 Subjective allocation 12,763 - 19,918 - Total $ 47,252 100.0 % $ 35,429 100.0 % (1) Beginning January 1, 2021, calculation is based on CECL methodology. Prior to January 1, 2021, calculation was based on the probable incurred loss methodology. ACL and recorded investment in loans by portfolio segment at December 31, 2020 follows (1): Commercial Mortgage Installment Subjective Allocation Total (In thousands) December 31, 2020 ACL: Individually evaluated for impairment $ 1,266 $ 4,124 $ 191 $ - $ 5,581 Collectively evaluated for impairment 6,135 2,874 921 19,918 29,848 Loans acquired with deteriorated credit quality - - - - - Total ending ACL $ 7,401 $ 6,998 $ 1,112 $ 19,918 $ 35,429 Loans Individually evaluated for impairment $ 9,431 $ 39,245 $ 1,996 $ 50,672 Collectively evaluated for impairment 1,236,052 980,449 474,379 2,690,880 Loans acquired with deteriorated credit quality 468 410 147 1,025 Total loans recorded investment 1,245,951 1,020,104 476,522 2,742,577 Accrued interest included in recorded investment 3,536 4,178 1,185 8,899 Total loans $ 1,242,415 $ 1,015,926 $ 475,337 $ 2,733,678 (1) Beginning January 1, 2021, calculation is based on CECL methodology. Prior to January 1, 2021, calculation was based on the probable incurred loss methodology. Loans on non-accrual status and past due more than 90 days (‘‘Non-performing Loans’’) at December 31 follow: December 31, 2021 Non- Accrual with no Allowance for Credit Loss Non- Accrual with an Allowance for Credit Loss Total Non- Accrual 90+ and Still Accruing Total Non- Performing Loans December 31, 2020 Total Non- Performing Loans (1) (In thousands) Commercial Commercial and industrial (2) $ - $ 15 $ 15 $ - $ 15 $ 1,387 Commercial real estate - - - - - - Mortgage 1-4 family owner occupied - jumbo 607 - 607 - 607 623 1-4 family owner occupied - non-jumbo (3) 137 1,815 1,952 - 1,952 2,281 1-4 family non-owner occupied 275 592 867 - 867 1,112 1-4 family - 2nd lien 182 681 863 - 863 1,344 Resort lending 118 119 237 - 237 607 Installment Boat lending - 210 210 - 210 52 Recreational vehicle lending - 177 177 - 177 74 Other - 182 182 - 182 393 Total $ 1,319 $ 3,791 $ 5,110 $ - $ 5,110 $ 7,873 Accrued interest excluded from total $ - $ - $ - $ - $ - $ - (1) Non-performing loans exclude purchase credit impaired loans. (2) Non-performing commercial and industrial loans exclude $0.047 million and $0.053 million of government guaranteed loans at December 31, 2021 and 2020, respectively. (3) Non-performing 1-4 family owner occupied – non jumbo loans exclude $0.388 million and $0.386 million of government guaranteed loans at December 31, 2021 and 2020, respectively. If non-performing loans had continued to accrue interest in accordance with their original terms, approximately $0.2 million, $0.5 million and $0.4 million of interest income would have been recognized in each of the years ended 2021, 2020 and 2019, respectively. Interest income recorded on these loans was approximately zero during each of the years ended 2021, 2020 and 2019. The following table provides collateral information by class of loan for collateral-dependent loans with a specific reserve. A loan is considered to be collateral dependent when the borrower is experiencing financial difficulty and the repayment is expected to be provided substantially through the operation or sale of collateral. The amortized cost of collateral-dependent loans by class follows: Collateral Type Allowance Real for Estate Other Credit Losses (In thousands) December 31, 2021 Commercial Commercial and industrial $ 80 $ 245 $ 51 Commercial real estate 84 - 19 Mortgage 1-4 family owner occupied - jumbo 607 - - 1-4 family owner occupied - non-jumbo 940 - 286 1-4 family non-owner occupied 477 - 72 1-4 family - 2nd lien 370 - 67 Resort lending 237 - 42 Installment Boat lending - 80 29 Recreational vehicle lending - 121 44 Other - 70 25 Total $ 2,795 $ 516 $ 635 Accrued interest excluded from total $ - $ 1 An aging analysis of loans by class at December 31 follows: Loans Past Due Loans not Total 30-59 days 60-89 days 90+ days Total Past Due Loans (In thousands) 2021 Commercial Commercial and industrial $ - $ 2 $ 62 $ 64 $ 593,048 $ 593,112 Commercial real estate - - - - 610,469 610,469 Mortgage 1-4 family owner occupied - jumbo - - 607 607 540,416 541,023 1-4 family owner occupied - non-jumbo 774 408 657 1,839 264,571 266,410 1-4 family non-owner occupied 87 26 462 575 194,277 194,852 1-4 family - 2nd lien 422 60 289 771 87,958 88,729 Resort lending - - 237 237 48,408 48,645 Installment Boat lending 438 28 52 518 227,622 228,140 Recreational vehicle lending 377 65 120 562 234,183 234,745 Other 252 57 49 358 98,562 98,920 Total $ 2,350 $ 646 $ 2,535 $ 5,531 $ 2,899,514 $ 2,905,045 Accrued interest excluded from total $ 25 $ 9 $ - $ 34 $ 6,802 $ 6,836 2020 Commercial Commercial and industrial $ 5,003 $ 131 $ 70 $ 5,204 $ 671,115 $ 676,319 Commercial real estate 2,600 - - 2,600 567,032 569,632 Mortgage 1-4 family owner occupied - jumbo 761 - 623 1,384 438,794 440,178 1-4 family owner occupied - non-jumbo 1,888 453 502 2,843 264,730 267,573 1-4 family non-owner occupied 1,184 139 476 1,799 157,977 159,776 1-4 family - 2nd lien 710 228 732 1,670 92,860 94,530 Resort lending 32 195 358 585 57,462 58,047 Installment Boat lending 95 101 - 196 207,317 207,513 Recreational vehicle lending 207 37 48 292 169,282 169,574 Other 337 162 199 698 98,737 99,435 Total recorded investment $ 12,817 $ 1,446 $ 3,008 $ 17,271 $ 2,725,306 $ 2,742,577 Accrued interest included in recorded investment $ 147 $ 22 $ - $ 169 $ 8,730 $ 8,899 Impaired loans at December 31, 2020 are as follows (1): 2020 (In thousands) Impaired loans with no allocated ACL TDR $ 93 Non - TDR 1,367 Impaired loans with an allocated ACL TDR - allowance based on collateral 9,027 TDR - allowance based on present value cash flow 37,953 Non - TDR - allowance based on collateral 1,873 Total impaired loans $ 50,313 Amount of ACL allocated (1) TDR - allowance based on collateral $ 1,058 TDR - allowance based on present value cash flow 3,755 Non - TDR - allowance based on collateral 768 Total amount of ACL allocated $ 5,581 (1) Beginning January 1, 2021, calculation is based on CECL methodology. Prior to January 1, 2021, calculation was based on the probable incurred loss methodology. Impaired loans by class as of December 31, 2020 are as follows (1): 2020 Recorded Investment Unpaid Principal Balance Related ACL (1) (In thousands) With no related ACL recorded: Commercial Commercial and industrial $ 77 $ 80 $ - Commercial real estate - - - Mortgage 1-4 family owner occupied - jumbo 623 629 - 1-4 family owner occupied - non-jumbo - - - 1-4 family non-owner occupied 305 473 - 1-4 family - 2nd lien 301 304 - Resort lending 154 379 - Installment Boat lending - - - Recreational vehicle lending - - - Other - - - 1,460 1,865 - With an ACL recorded: Commercial Commercial and industrial 2,227 2,370 756 Commercial real estate 7,127 7,096 510 Mortgage 1-4 family owner occupied - jumbo 506 880 50 1-4 family owner occupied - non-jumbo 21,655 22,311 2,300 1-4 family non-owner occupied 4,335 4,704 495 1-4 family - 2nd lien 811 829 200 Resort lending 10,555 10,764 1,079 Installment Boat lending 7 11 2 Recreational vehicle lending 87 100 19 Other 1,902 2,040 170 49,212 51,105 5,581 Total Commercial Commercial and industrial 2,304 2,450 756 Commercial real estate 7,127 7,096 510 Mortgage 1-4 family owner occupied - jumbo 1,129 1,509 50 1-4 family owner occupied - non-jumbo 21,655 22,311 2,300 1-4 family non-owner occupied 4,640 5,177 495 1-4 family - 2nd lien 1,112 1,133 200 Resort lending 10,709 11,143 1,079 Installment Boat lending 7 11 2 Recreational vehicle lending 87 100 19 Other 1,902 2,040 170 Total $ 50,672 $ 52,970 $ 5,581 Accrued interest included in recorded investment $ 359 (1) Beginning January 1, 2021, calculation is based on CECL methodology. Prior to January 1, 2021, calculation was based on the probable incurred loss methodology. Average recorded investment in and interest income earned (of which the majority of these amounts were received in cash and related primarily to performing TDR’s) on impaired loans by class for the years ended December 31, 2020 and 2019 follows (1): 2020 2019 Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized (In thousands) With no related ACL recorded: Commercial Commercial and industrial $ 125 $ 9 $ 51 $ - Commercial real estate 159 - 278 5 Mortgage 1-4 family owner occupied - jumbo 408 - - - 1-4 family owner occupied - non-jumbo 252 4 201 - 1-4 family non-owner occupied 308 10 123 - 1-4 family - 2nd lien 380 - 136 7 Resort lending 92 - - - Installment Boat lending - - - - Recreational vehicle lending - - - - Other - - - 1 1,724 23 789 13 With an a ACL recorded: Commercial Commercial and industrial 2,230 242 2,256 72 Commercial real estate 10,751 1,043 5,778 315 Mortgage 1-4 family owner occupied - jumbo 1,083 84 995 39 1-4 family owner occupied - non-jumbo 19,624 2,033 15,183 594 1-4 family non-owner occupied 4,664 375 2,874 291 1-4 family - 2nd lien 3,376 22 13,383 809 Resort lending 11,316 799 11,697 669 Installment Boat lending 59 1 54 - Recreational vehicle lending 81 4 22 - Other 2,416 225 3,186 189 55,600 4,828 55,428 2,978 Total Commercial Commercial and industrial 2,355 251 2,307 72 Commercial real estate 10,910 1,043 6,056 320 Mortgage 1-4 family owner occupied - jumbo 1,491 84 995 39 1-4 family owner occupied - non-jumbo 19,876 2,037 15,384 594 1-4 family non-owner occupied 4,972 385 2,997 291 1-4 family - 2nd lien 3,756 22 13,519 816 Resort lending 11,408 799 11,697 669 Installment Boat lending 59 1 54 - Recreational vehicle lending 81 4 22 - Other 2,416 225 3,186 190 Total $ 57,324 $ 4,851 $ 56,217 $ 2,991 (1) Beginning January 1, 2021, calculation is based on CECL methodology. Prior to January 1, 2021, calculation was based on the probable incurred loss methodology. Troubled debt restructurings at December 31 follow: 2021 Commercial Retail (1) Total (In thousands) Performing TDR’s $ 4,481 $ 31,589 $ 36,070 Non-performing TDR’s (2) - 1,016 (3) 1,016 Total $ 4,481 $ 32,605 $ 37,086 2020 Commercial Retail (1) Total (In thousands) Performing TDR’s $ 7,956 $ 36,385 $ 44,341 Non-performing TDR’s (2) 1,148 1,584 (3) 2,732 Total $ 9,104 $ 37,969 $ 47,073 (1) Retail loans include mortgage and installment loan portfolio segments. (2) Included in non-performing loans table above. (3) Also includes loans on non-accrual at the time of modification until six payments are received on a timely basis. We have allocated $3.6 million and $4.8 million of reserves to customers whose loan terms have been modified in troubled debt restructurings as of December 31, 2021 and 2020, respectively. We have committed to lend additional amounts totaling up to $0.04 million and $0.07 million at December 31, 2021 and 2020, respectively, to customers with outstanding loans that are classified as troubled debt restructurings. The terms of certain loans have been modified as troubled debt restructurings and generally included one or a combination of the following: a reduction of the stated interest rate of the loan; an extension of the maturity date at a stated rate of interest lower than the current market rate for a new loan with similar risk; or a permanent reduction of the recorded investment in the loan. Modifications involving a reduction of the stated interest rate of the loan have generally been for periods ranging from 9 months to 36 months but have extended to as much as 480 months in certain circumstances. Modifications involving an extension of the maturity date have generally been for periods ranging from 1 month to 60 months but have extended to as much as 230 months in certain circumstances. Loans that have been classified as troubled debt restructurings during the years ended December 31 follow (1): Number of Contracts Pre-modification Recorded Balance Post-modification Recorded Balance 2020 Commercial Commercial and industrial 7 $ 1,207 $ 1,207 Commercial real estate 4 7,012 7,012 Mortgage 1-4 family owner occupied - jumbo - - - 1-4 family owner occupied - non-jumbo 5 357 374 1-4 family non-owner occupied 2 111 116 1-4 family - 2nd lien 2 44 46 Resort lending - - - Installment Boat lending - - - Recreational vehicle lending - - - Other 4 91 93 Total 24 $ 8,822 $ 8,848 Number of Contracts Pre-modification Recorded Balance Post-modification Recorded Balance (Dollars in thousands) 2019 Commercial Commercial and industrial 8 $ 1,609 $ 1,609 Commercial real estate 3 1,479 1,479 Mortgage 1-4 family owner occupied - jumbo - - - 1-4 family owner occupied - non-jumbo 2 478 483 1-4 family non-owner occupied 1 507 505 1-4 family - 2nd lien 3 75 75 Resort lending - - - Installment Boat lending - - - Recreational vehicle lending - - - Other 7 188 191 Total 24 $ 4,336 $ 4,342 (1) There were no TDR modifications during the year ended December 31, 2021. The loan modifications during 2020 in the table above did not qualify for relief from TDR accounting under the CARES Act. The troubled debt restructurings described above increased the ACL by $0.04 million and $0.50 million during the years ended December 31, 2020 and 2019, respectively and resulted in charge offs of zero during each of the years ended December 31, 2020 and 2019, respectively. A loan is generally considered to be in payment default once it is 90 days contractually past due under the modified terms for commercial loans and installment loans and when four consecutive payments are missed for mortgage loans. There were no troubled debt restructurings that subsequently defaulted within twelve months following modification during 2021 and 2020. During 2019 we had one commercial and industrial loan with a recorded balance of $0.019 million and one 1-4 family owner occupied – non-jumbo loan with a recorded balance of $0.012 million that subsequently defaulted within twelve months following modification. These loans did not impact the ACL during 2019 and resulted in zero charge offs during 2019. The terms of certain other loans were modified during the years ending December 31, 2021, 2020 and 2019 that did not meet the definition of a troubled debt restructuring. The modification of these loans could have included modification of the terms of a loan to borrowers who were not experiencing financial difficulties or a delay in a payment that was considered to be insignificant. In order to determine whether a borrower is experiencing financial difficulty, we perform an evaluation of the probability that the borrower will be in payment default on any of its debt in the foreseeable future without the modification. This evaluation is performed under our internal underwriting policy. Non-TDR Loan Modifications and Paycheck Protection Program (“PPP”) due to COVID-19 - On March 22, 2020, the federal banking agencies issued an “Interagency Statement on Loan Modifications and Reporting for Financial Institutions Working with Customers Affected by the Coronavirus”. This guidance encourages financial institutions to work prudently with borrowers that may be unable to meet their contractual obligations because of the effects of COVID-19. The guidance goes on to explain that in consultation with the Financial Accounting Standards Board staff that the federal banking agencies conclude that short-term modifications (e.g. six months or less) made on a good faith basis to borrowers who were current (less than 30 days past due) as of the implementation date of a relief program are not TDRs. In addition, on March 27, 2020, the CARES Act was signed into law. Section 4013 of the CARES Act also addressed COVID-19 related modifications and specified that COVID-19 related modifications on loans that were current (less than 30 days past due) as of December 31, 2019 are not TDRs. We are assisting both commercial and retail (mortgage and installment) borrowers with reduced or suspended payments. Commercial loan accommodations are typically a interest-only period while retail loan (mortgage and installment) forbearances have primarily been payment suspensions for . For loans subject to these forbearance agreements each borrower is required to resume making regularly scheduled loan payments at the end of the forbearance period. The deferred principal and interest will be repaid based upon individualized agreements. Options for repayment include separate repayment plans, extending the term of the loan or re-amortizing the loan based upon the affordability of the payment in relationship to a reduced income. While some borrowers may elect to make a lump sum payment, we anticipate the majority will require some type of repayment plan. During the forbearance period, the loan will not be reported as past due in keeping with the guidance discussed previously. A summary of COVID-19 accommodations that had been entered into under this guidance as of December 31, 2021 follows: COVID-19 Accomodations Total % of Total Loan Category Amounts (#) Amounts ($) Loans Loans (Dollars in thousands) Commercial - $ - $ 1,203,581 0.0 % Mortgage 22 2,278 1,139,659 0.2 % Installment 1 55 561,805 0.0 % Total 23 $ 2,333 $ 2,905,045 0.1 % Mortgage loans serviced for others(1) 46 $ 5,163 $ 3,323,521 0.2 % 1) We have delegated authority from all investors to grant these deferrals on their behalf. Information on subsequent COVID-19 accommodation extensions for portfolio loans follows (1): Loan Category Amount (#) Amount ($) (Dollars in thousands) Commercial - $ - Mortgage 19 2,194 Installment - - Total 19 $ 2,194 (1) Subsequent accommodations are extensions of the original accommodations that were given as summarized in the paragraph above. The CARES Act also included an initial $349 billion loan program administered through the U.S. Small Business Administration (‘‘SBA’’) referred to as the PPP. Under the PPP, small businesses and other entities and individuals could apply for loans from existing SBA lenders and other approved regulated lenders that enrolled in the program, subject to numerous limitations and eligibility criteria. We are participating as a lender in the PPP. The PPP opened on April 3, 2020 intending to provide American small businesses with eight weeks of cash-flow assistance through 100% federally guaranteed loans through the SBA. In late April 2020 the Paycheck Protection Program and Health Care Enhancement Act, added another $310 billion in funding while the Paycheck Protection Program Flexibility Act made certain changes to the program, by allowing for more time to spend the funds, and making it easier to get a loan fully forgiven. The PPP initially closed on August 8, 2020 (“Round 1”). On December 27, 2020, the Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act (‘‘Economic Aid Act’’) was signed into law which allocated an additional $284 billion in funding for the PPP (“Round 2”). The Economic Aid Act reopened the PPP through March 31, 2021 with generally the same terms and conditions as originally enacted under the CARES Act while clarifying eligibility and ineligibility for certain entities and expanding the permitted uses of PPP funds. In addition, the Economic Aid Act simplified the loan forgiveness process for PPP loans of $150,000 or less. The Economic Aid Act also established second draw loans for entities that had already used the initial PPP funds, subject to numerous limitations and eligibility criteria. PPP Round 2 loans are eligible for forgiveness similar to Round 1 PPP loans, subject to limitations set forth in the Economic Aid Act. Round 2 closed on May 31, 2021. PPP loans outstanding at December 31 follows: 2021 2020 Amount (#) Amount ($) Amount (#) Amount ($) (Dollars in thousands) Closed and outstanding - Round 1 loans 6 $ 197 1,483 $ 169,782 Closed and outstanding - Round 2 loans 180 26,167 - - Total closed and outstanding 186 $ 26,364 1,483 $ 169,782 Unaccreted net fees remaining at period end $ 806 $ 3,216 PPP loans are included in the commercial and industrial class of the commercial loan portfolio segment. As these loans are 100% guaranteed through the SBA the allowance for credit losses recorded on these loans is zero. PPP loans funded totaled $135.5 million, $261.1 million and zero during the years ended December 31, 2021, 2020 and 2019, respectively. Interest and fees on loans in our consolidated statement of operations includes $8.9 million, $5.6 million and zero during the years ended December 31, 2021, 2020 and 2019, respectively related to the accretion of net loan fees on PPP loans. Credit Quality Indicators For commercial loans, we use a loan rating system that is similar to those employed by state and federal banking regulators. Loans are graded on a scale of 1 to 12. A description of the general characteristics of the ratings follows: Rating 1 through 6 Rating 7 and 8 Rating 9 Rating 10 and 11 Rating 12 The following table summarizes loan ratings by loan class for our commercial loan portfolio segment at December 31, 2021: Commercial Term Loans Amortized Cost Basis by Origination Year Revolving Loans Amortized 2021 2020 2019 2018 2017 Prior Cost Basis Total (In thousands) December 31, 2021 Commercial and industrial Non-watch (1-6) $ 121,917 $ 69,856 $ 56,984 $ 44,827 $ 38,307 $ 96,261 $ 144,579 $ 572,731 Watch (7-8) 81 - 532 1,294 362 6,274 476 9,019 Substandard Accrual (9) 1,569 2 1,159 247 - 1,530 6,793 11,300 Non-Accrual (10-11) - - - - - 62 - 62 Total $ 123,567 $ 69,858 $ 58,675 $ 46,368 $ 38,669 $ 104,127 $ 151,848 $ 593,112 Accrued interest excluded from total $ 314 $ 153 $ 105 $ 229 $ 90 $ 240 $ 242 $ 1,373 Commercial real estate Non-watch (1-6) $ 123,330 $ 55,479 $ 108,056 $ 75,828 $ 39,123 $ 160,199 $ 31,551 $ 593,566 Watch (7-8) - 324 3,028 7,678 1,708 1,423 - 14,161 Substandard Accrual (9) 441 - - 1,193 1,108 - - 2,742 Non-Accrual (10-11) - - - - - - - - Total $ 123,771 $ 55,803 $ 111,084 $ 84,699 $ 41,939 $ 161,622 $ 31,551 $ 610,469 Accrued interest excluded from total $ 182 $ 81 $ 233 $ 203 $ 94 $ 325 $ 47 $ 1,165 Total Commercial Non-watch (1-6) $ 245,247 $ 125,335 $ 165,040 $ 120,655 $ 77,430 $ 256,460 $ 176,130 $ 1,166,297 Watch (7-8) 81 324 3,560 8,972 2,070 7,697 476 23,180 Substandard Accrual (9) 2,010 2 1,159 1,440 1,108 1,530 6,793 14,042 Non-Accrual (10-11) - - - - - 62 - 62 Total $ 247,338 $ 125,661 $ 169,759 $ 131,067 $ 80,608 $ 265,749 $ 183,399 $ 1,203,581 Accrued interest excluded from total $ 496 $ 234 $ 338 $ 432 $ 184 $ 565 $ 289 $ 2,538 The following table summarizes loan ratings by loan class for our commercial portfolio loan segment at December 31, 2020: Commercial Non-watch 1-6 Watch 7-8 Substandard Accrual 9 Non- Accrual 10-11 Total (In thousands) December 31, 2020 Commercial and industrial $ 637,826 $ 32,765 $ 4,341 $ 1,387 $ 676,319 Commercial real estate 561,382 5,978 2,272 - 569,632 Total $ 1,199,208 $ 38,743 $ 6,613 $ 1,387 $ 1,245,951 Accrued interest included in total $ 3,408 $ 105 $ 23 $ - $ 3,536 For each of our mortgage and installment portfolio segment classes we generally monitor credit quality based on the credit scores of the borrowers. These credit scores are generally updated semi-annually. The following tables summarize credit scores by loan class for our mortgage and installment loan portfolio segments at December : Mortgage Term Loans Amortized Cost Basis by Origination Year Revolving Loans Amortized 2021 2020 2019 2018 2017 Prior Cost Basis Total (In s) December 1 - family owner occupied - jumbo 800 and above $ 31,137 $ 17,652 $ 8,491 $ 2,565 $ 7,516 $ 527 $ - $ 67,888 750 - 135,292 92,590 30,072 7,118 9,469 5,043 2,371 281,955 700 - 67,255 34,665 13,765 4,421 7,748 4,856 - 132,710 650 - 19,367 10,313 5,447 5,285 6,080 690 - 47,182 600 - 2,050 2,638 506 1,013 837 976 - 8,020 550 - - 469 - - 781 - - 1,250 500 - - 1,411 - - - - - 1,411 Under - - - - 607 - - 607 Unknown - - - - - - - - Total $ 255,101 $ 159,738 $ 58,281 $ 20,402 $ 33,038 $ 12,092 $ 2,371 $ 541,023 Accrued interest excluded from total $ 557 $ 370 $ 163 $ 77 $ 87 $ 33 $ 3 $ 1,290 1 - family owner occupied - non-jumbo 800 and above $ 6,185 $ 5,534 $ 3,756 $ 2,514 $ 3,566 $ 4,569 $ 4,026 $ 30,150 750 - 33,227 20,300 9,688 5,664 8,887 12,498 8,341 98,605 700 - 19,317 10,572 4,813 4,035 5,008 21,806 5,637 71,188 650 - 6,593 4,233 3,217 2,010 3,135 12,423 2,812 34,423 600 - 2,119 1,082 1,051 1,549 1,660 8,663 89 16,213 550 - - 295 1,076 758 1,023 5,802 147 9,101 500 - - 57 421 327 510 3,169 18 4,502 Under - 616 284 394 250 684 - 2,228 Unknown - - - - - - - - Total $ 67,441 $ 42,689 $ 24,306 $ 17,251 $ 24,039 $ 69,614 $ 21,070 $ 266,410 Accrued interest excluded from total $ 208 $ 97 $ 84 $ 58 $ 68 $ 226 $ 57 $ 798 1 - family non-owner occupied 800 and above $ 15,406 $ 1,786 $ 2,857 $ 1,459 $ 2,627 $ 5,058 $ 1,639 $ 30,832 750 - 44,201 21,885 10,517 3,667 6,956 10,004 5,117 102,347 700 - 16,486 7,807 2,764 1,878 966 6,095 2,756 38,752 650 - 6,617 3,095 257 299 248 6,019 955 17,490 600 - 125 57 108 282 174 2,051 381 3,178 550 - - 25 - 192 - 1,121 - 1,338 500 - - - - 55 - 638 50 743 Under - - - - - 172 - 172 Unknown - - - - - - - - Total $ 82,835 $ 34,655 $ 16,503 $ 7,832 $ 10,971 $ 31,158 $ 10,898 $ 194,852 Accrued interest excluded from total $ 171 $ 95 $ 46 $ 23 $ 33 $ 107 $ 38 $ 513 1 - family - nd lien 800 and above $ 415 $ 964 $ 426 $ 95 $ 266 $ 353 $ 8,465 $ 10,984 750 - 2,161 2,413 714 1,332 1,859 2,415 30,106 41,000 700 - 1,307 1,049 771 561 1,374 2,365 16,316 23,743 650 - 122 309 460 405 140 1,639 5,286 8,361 600 - - 177 72 106 92 1,143 1,370 2,960 550 - - - 61 - - 476 228 765 500 - - - 99 - 89 190 155 533 Under - - 54 3 60 16 250 383 Unknown - - - - - - - - Total $ 4,005 $ 4,912 $ 2,657 $ 2,502 $ 3,880 $ 8,597 $ 62,176 $ 88,729 Accrued interest excluded from total $ 7 $ 9 $ 9 $ 5 $ 8 $ 34 $ 211 $ 283 Mortgage - continued Term Loans Amortized Cost Basis by Origination Year Revolving Loans Amortized 2021 2020 2019 2018 2017 Prior Cost Basis Total (In s) December Resort lending 800 and above $ - $ - $ - $ 274 $ - $ 7,347 $ - $ 7,621 750 - 600 1,246 250 511 63 19,630 - 22,300 700 - - 174 - 301 67 9,052 - 9,594 650 - 951 - - - - 6,057 - 7,008 600 - - - - - - 1,841 - 1,841 550 - - - - - - 80 - 80 500 - - - - - - 201 - 201 Under - - - - - - - - Unknown - - - - - - - - Total $ 1,551 $ 1,420 $ 250 $ 1,086 $ 130 $ 44,208 $ - $ 48,645 Accrued interest excluded from total $ 2 $ 3 $ - $ 3 $ - $ 106 $ - $ 114 Total Mortgage 800 and above $ 53,143 $ 25,936 $ 15,530 $ 6,907 $ 13,975 $ 17,854 $ 14,130 $ 147,475 750 - 215,481 138,434 51,241 18,292 27,234 49,590 45,935 546,207 700 - 104,365 54,267 22,113 11,196 15,163 44,174 24,709 275,987 650 - 33,650 17,950 9,381 7,999 9,603 26,828 9,053 114,464 600 - 4,294 3,954 1,737 2,950 2,763 14,674 1,840 32,212 550 - - 789 1,137 950 1,804 7,479 375 12,534 500 - - 1,468 520 382 599 4,198 223 7,390 Under - 616 338 397 917 872 250 3,390 Unknown - - - - - - - - Total $ 410,933 $ 243,414 $ 101,997 $ 49,073 $ 72,058 $ 165,669 $ 96,515 $ 1,139,659 Accrued interest excluded from total $ 945 $ 574 $ 302 $ 166 $ 196 $ 506 $ 309 $ 2,998 (1) Credit scores have been updated within the last months. Installment Term Loans Amortized Cost Basis by Origination Year 2021 2020 2019 2018 2017 Prior Total (In s) December Boat lending 800 and above $ 7,513 $ 5,786 $ 6,015 $ 4,906 $ 2,968 $ 4,433 $ 31,621 750 - 47,434 24,968 21,052 15,681 9,797 10,971 129,903 700 - 19,180 9,724 8,263 6,467 3,109 4,953 51,696 650 - 3,845 1,679 2,301 1,223 1,166 1,378 11,592 600 - 373 419 209 327 185 604 2,117 550 - 237 81 91 113 115 191 828 500 - - 49 - 85 - 67 201 Under - - - 10 168 4 182 Unknown - - - - - - - Total $ 78,582 $ 42,706 $ 37,931 $ 28,812 $ 17,508 $ 22,601 $ 228,140 Accrued interest excluded from total $ 169 $ 102 $ 106 $ 69 $ 44 $ 47 $ 537 Recreational vehicle lending 800 and above $ 8,475 $ 5,121 $ 5,837 $ 4,627 $ 2,456 $ 3,594 $ 30,110 750 - 66,834 22,707 17,173 11,973 5,281 6,794 130,762 700 - 32,702 9,500 6,169 3,768 1,657 2,343 56,139 650 - 7,390 2,423 1,842 948 649 905 14,157 600 - 990 408 291 333 152 111 2,285 550 - 271 100 163 318 6 72 930 500 - 39 21 105 62 26 91 344 Under - - 11 - - 7 18 Unknown - - - - - - - Total $ 116,701 $ 40,280 $ 31,591 $ 22,029 $ 10,227 $ 13,917 $ 234,745 Accrued interest excluded from total $ 265 $ 93 $ 78 $ 56 $ 26 $ 28 $ 546 Other 800 and above $ 2,328 $ 1,424 $ 1,493 $ 882 $ 357 $ 695 $ 7,179 750 - 13,923 9,093 6,074 3,175 2,183 2,731 37,179 700 - 10,791 5,426 3,301 1,899 906 2,194 24,517 650 - 20,167 1,715 1,249 657 561 1,332 25,681 600 - 761 368 272 190 284 357 2,232 550 - 159 42 127 167 46 154 695 500 - 8 53 56 55 38 98 308 Under 6 62 42 14 12 18 154 Unknown 975 - - - - - 975 Total $ 49,118 $ 18,183 $ 12,614 $ 7,039 $ 4,387 $ 7,579 $ 98,920 Accrued interest excluded from total $ 73 $ 40 $ 36 $ 19 $ 11 $ 38 $ 217 Total installment 800 and above $ 18,316 $ 12,331 $ 13,345 $ 10,415 $ 5,781 $ 8,722 $ 68,910 750 - 128,191 56,768 44,299 30,829 17,261 20,496 297,844 700 - 62,673 24,650 17,733 12,134 5,672 9,490 132,352 650 - 31,402 5,817 5,392 2,828 2,376 3,615 51,430 600 - 2,124 1,195 772 850 621 1,072 6,634 550 - 667 223 381 598 167 417 2,453 500 - 47 123 161 202 64 256 853 Under 6 62 53 24 180 29 354 Unknown 975 - - - - - 975 Total $ 244,401 $ 101,169 $ 82,136 $ 57,880 $ 32,122 $ 44,097 $ 561,805 Accrued interest excluded from total $ 507 $ 235 $ 220 $ 144 $ 81 $ 113 $ 1,300 (1) Credit scores have been updated within the last months. The following tables summarize credit scores by loan class for our mortgage and installment loan portfolio segments at December 31, 2020: Mortgage 1-4 Family Owner Occupied - Jumbo 1-4 Family Owner Occupied - Non-jumbo 1-4 Family Non-owner Occupied 1-4 Family 2nd Lien Resort Lending Total (In thousands) December 31, 2020 800 and above $ 61,077 $ 40,187 $ 25,468 $ 12,490 $ 9,546 $ 148,768 _ 223,177 70,642 82,124 42,138 27,530 445,611 _ 101,086 75,489 30,326 22,962 11,726 241,589 _ 40,296 44,344 13,182

OTHER REAL ESTATE

OTHER REAL ESTATE	12 Months Ended
	Dec. 31, 2021
OTHER REAL ESTATE [Abstract]
OTHER REAL ESTATE	NOTE 5 – OTHER REAL ESTATE A summary of other real estate activity for the years ended December 31 follows (1) 2021 2020 2019 (In thousands) Balance at beginning of year, net of valuation allowance $ 738 $ 1,715 $ 1,178 Loans transferred to other real estate 253 332 2,242 Sales of other real estate (745 ) (1,161 ) (1,438 ) Additions to valuation allowance charged to expense (11 ) (148 ) (267 ) Balance at end of year, net of valuation allowance $ 235 $ 738 $ 1,715 (1) Table excludes other repossessed assets totaling $0.01 million and $0.03 million at December 31, 2021 and 2020, respectively. We periodically review our real estate properties and establish valuation allowances on these properties if values have declined since the date of acquisition. An analysis of our valuation allowance for other real estate follows: 2021 2020 2019 (In thousands) Balance at beginning of year $ 90 $ 92 $ 144 Additions charged to expense 11 148 267 Direct write-downs upon sale (70 ) (150 ) (319 ) Balance at end of year $ 31 $ 90 $ 92 At December 31, 2021 and 2020, the balance of other real estate includes $ million and $ million, respectively of foreclosed residential real estate properties. Retail mortgage loans secured by residential real estate properties for which formal foreclosure proceedings are in process according to local requirements totaled $ million and $ million at December 31, 2021 and 2020, respectively. Other real estate and repossessed assets totaling $ million and $ million at December 31, 2021 and 2020, respectively, are presented net of the valuation allowance on the Consolidated Statements of Financial Condition.

PROPERTY AND EQUIPMENT

PROPERTY AND EQUIPMENT	12 Months Ended
	Dec. 31, 2021
PROPERTY AND EQUIPMENT [Abstract]
PROPERTY AND EQUIPMENT	NOTE 6 – PROPERTY AND EQUIPMENT A summary of property and equipment at December 31 follows: 2021 2020 (In thousands) Land and land improvements $ 17,296 $ 17,083 Buildings 58,870 57,208 Equipment 74,844 72,542 151,010 146,833 Accumulated depreciation and amortization (114,606 ) (110,706 ) Property and equipment, net $ 36,404 $ 36,127 Depreciation expense was $5.4 million, $5.3 million and $5.2 million in 2021, 2020 and 2019, respectively.

GOODWILL AND OTHER INTANGIBLES

GOODWILL AND OTHER INTANGIBLES	12 Months Ended
	Dec. 31, 2021
GOODWILL AND OTHER INTANGIBLES [Abstract]
GOODWILL AND OTHER INTANGIBLES	NOTE 7 – GOODWILL AND OTHER INTANGIBLES Intangible assets, net of amortization, at December 31 follows: 2021 2020 Gross Carrying Amount Accumulated Amortization Gross Carrying Amount Accumulated Amortization (In thousands) Amortized intangible assets - core deposits $ 11,916 $ 8,580 $ 11,916 $ 7,610 Unamortized intangible assets - goodwill $ 28,300 $ 28,300 At December 31, 2021, the Bank (our reporting unit) had positive equity and elected to perform a qualitative assessment to determine if it was more likely than not that the fair value of the Bank exceeds its carrying value, including goodwill. The qualitative assessment indicated that it was more likely than not that the fair value of the Bank exceeded its carrying value, resulting in no impairment. Intangible amortization expense was $1.0 million, $1.0 million and $1.1 million during the years ended 2021, 2020 and 2019, respectively. A summary of estimated core deposit intangible amortization at December 31, 2021, follows: (In thousands) 2022 $ 785 2023 547 2024 516 2025 487 2026 460 2027 541 Total $ 3,336

DEPOSITS

DEPOSITS	12 Months Ended
	Dec. 31, 2021
DEPOSITS [Abstract]
DEPOSITS	NOTE 8 – DEPOSITS A summary of interest expense on deposits for the years ended December 31 follows: 2021 2020 2019 (In thousands) Savings and interest-bearing checking $ 2,101 $ 2,264 $ 5,371 Reciprocal 764 2,158 6,024 Time 1,507 7,073 7,148 Brokered time 93 1,171 4,882 Total $ 4,465 $ 12,666 $ 23,425 Aggregate time deposits in denominations of $0.25 million or more amounted to $93.1 million and $50.0 million at December 31, 2021 and 2020, respectively. A summary of the maturity of time deposits at December 31, 2021, follows (1): (In thousands) 2022 $ 269,067 2023 43,692 2024 10,067 2025 5,834 2026 6,794 2027 338 Total $ 335,792 (1) Includes time deposits, brokered time deposits and reciprocal time deposits Reciprocal deposits represent demand, money market and time deposits from our customers that have been placed through IntraFi Network. This service allows our customers to access multi-million dollar FDIC deposit insurance on deposit balances greater than the standard FDIC insurance maximum. A summary of reciprocal deposits at December 31 follows: 2021 2020 (In thousands) Demand $ 559,664 $ 515,092 Money market 2,546 3,308 Time 24,416 37,785 Total $ 586,626 $ 556,185

OTHER BORROWINGS

OTHER BORROWINGS	12 Months Ended
	Dec. 31, 2021
OTHER BORROWINGS [Abstract]
OTHER BORROWINGS	NOTE 9 – OTHER BORROWINGS A summary of other borrowings at December 31 follows: 2021 2020 (In thousands) Advances from the FHLB $ 30,000 $ 30,000 Other 9 12 Total $ 30,009 $ 30,012 Advances from the FHLB are secured by unencumbered qualifying mortgage and home equity loans with a market value equal to at least 132% to 165%, respectively, of outstanding advances. Advances are also secured by FHLB stock that we own, which totaled $8.6 million at December 31, 2021. Unused borrowing capacity with the FHLB (subject to the FHLB’s credit requirements and policies) was $798.4 million at December 31, 2021. Interest expense on advances amounted to $0.2 million, $0.5 million and $0.7 million for the years ended December 31, 2021, 2020 and 2019, respectively. No FHLB advances were prepaid during 2021, 2020 or 2019. As a member of the FHLB, we must own FHLB stock equal to the greater of 0.10% of the unpaid principal balance of residential mortgage assets or 4.5% of our outstanding advances. At December 31, 2021, we were in compliance with the FHLB stock ownership requirements. The maturity dates, weighted average interest rates and contractually required repayments of FHLB advances at December 31 follow: 2021 2020 Amount Rate Amount Rate (Dollars in thousands) Fixed-rate advances - 2027 $ 30,000 0.74 % $ 30,000 0.74 % Borrowings with the FRB at December 31, 2021 and 2020 were zero. Average borrowings with the FRB during the years ended December 31, 2021, 2020 and 2019 totaled zero, $1.546 million and $0.305 million, respectively. We had unused borrowing capacity with the FRB (subject to the FRB’s credit requirements and policies) of $383.4 million at December 31, 2021. Collateral for FRB borrowings are certain commercial and installment loans. Interest expense on federal funds purchased totaled zero, $0.01 million and $0.08 million for the years ended December 31, 2021, 2020 and 2019, respectively. Assets, consisting of FHLB stock and loans, pledged to secure other borrowings and unused borrowing capacity totaled $1.9 billion at December 31, 2021.

SUBORDINATED DEBT AND DEBENTURE

SUBORDINATED DEBT AND DEBENTURES	12 Months Ended
	Dec. 31, 2021
SUBORDINATED DEBT AND DEBENTURES [Abstract]
SUBORDINATED DEBT AND DEBENTURES	NOTE 10 – SUBORDINATED DEBT AND DEBENTURES Subordinated Debt In May we issued of fixed to floating subordinated notes with a maturity ( maturity date) and a call option. The initial coupon rate is fixed for and then floats at the Secured Overnight Financing Rate (“SOFR”) plus . These notes are presented in the Consolidated Statement of Financial Condition under the caption “Subordinated debt” and the balances of and $39.3 million at December 31, 2021 and 2020, respectively are net of remaining unamortized deferred issuance costs of approximately and $0.7 million, respectively that are being amortized through the maturity date into interest expense on other borrowings and subordinated debt and debentures in our Consolidated Statement of Operations. We may redeem the notes, in whole or in part, on or after May and redeem the notes at any time in whole upon certain other events. Any redemption of the notes will be subject to prior regulatory approval to the extent required. Subordinated Debentures We have formed various special purpose entities (the ‘‘trusts’’) for the purpose of issuing trust preferred securities in either public or pooled offerings or in private placements. Independent Bank Corporation owns all of the common stock of each trust and has issued subordinated debentures to each trust in exchange for all of the proceeds from the issuance of the common stock and the trust preferred securities. Trust preferred securities totaling $ million and $ million at December 31, 2021 and 2020, respectively qualified as Tier 1 regulatory capital. These trusts are not consolidated with Independent Bank Corporation and accordingly, we report the common securities of the trusts held by us in accrued income and other assets and the subordinated debentures that we have issued to the trusts in the liability section of our Consolidated Statements of Financial Condition. As the result of a previous acquisition we acquired TCSB Statutory Trust I as summarized in the tables below at a discount. The discount at acquisition totaled $1.4 million and is being amortized through its maturity date and is included in interest expense – other borrowings and subordinated debt and debentures in the Consolidated Statements of Operations. Summary information regarding subordinated debentures as of December 31 follows: 2021 Entity Name Issue Date Subordinated Debentures Trust Preferred Securities Issued Common Stock Issued (In thousands) IBC Capital Finance III May 2007 $ 12,372 $ 12,000 $ 372 IBC Capital Finance IV September 2007 15,465 15,000 465 Midwest Guaranty Trust I November 2002 7,732 7,500 232 TCSB Statutory Trust I March 2005 5,155 5,000 155 Discount on TCSB Statutory Trust I (1,132 ) (1,132 ) - $ 39,592 $ 38,368 $ 1,224 2020 Entity Name Issue Date Subordinated Debentures Trust Preferred Securities Issued Common Stock Issued (In thousands) IBC Capital Finance III May 2007 $ 12,372 $ 12,000 $ 372 IBC Capital Finance IV September 2007 15,465 15,000 465 Midwest Guaranty Trust I November 2002 7,732 7,500 232 TCSB Statutory Trust I March 2005 5,155 5,000 155 Discount on TCSB Statutory Trust I (1,200 ) (1,200 ) - $ 39,524 $ 38,300 $ 1,224 Other key terms for the subordinated debentures and trust preferred securities that were outstanding at December 31, 2021 and 2020 follow: Entity Name Maturity Date Interest Rate First Permitted Redemption Date IBC Capital Finance III July 30, 2037 3 month LIBOR plus 1.60% July 30, 2012 IBC Capital Finance IV September 15, 2037 3 month LIBOR plus 2.85% September 15, 2012 Midwest Guaranty Trust I November 7, 2032 3 month LIBOR plus 3.45% November 7, 2007 TCSB Statutory Trust I March 17, 2035 3 month LIBOR plus 2.20% March 17, 2010 The subordinated debentures and trust preferred securities are cumulative and have a feature that permits us to defer distributions (payment of interest) from time to time for a period not to exceed 20 consecutive quarters. Interest is payable quarterly on each of the subordinated debentures and trust preferred securities and no distributions were deferred at December 31, 2021 and 2020. We have the right to redeem the subordinated debentures and trust preferred securities (at par) in whole or in part from time to time on or after the first permitted redemption date specified above or upon the occurrence of specific events defined within the trust indenture agreements. Distributions (payment of interest) on the trust preferred securities are included in interest expense – other borrowings and subordinated debt and debentures in the Consolidated Statements of Operations.

COMMITMENTS AND CONTINGENT LIAB

COMMITMENTS AND CONTINGENT LIABILITIES	12 Months Ended
	Dec. 31, 2021
COMMITMENTS AND CONTINGENT LIABILITIES [Abstract]
COMMITMENTS AND CONTINGENT LIABILITIES	NOTE 11 – COMMITMENTS AND CONTINGENT LIABILITIES In the normal course of business, we enter into financial instruments with off-balance sheet risk to meet the financing needs of customers or to reduce exposure to fluctuations in interest rates. These financial instruments may include commitments to extend credit and standby letters of credit. Financial instruments involve varying degrees of credit and interest-rate risk in excess of amounts reflected in the Consolidated Statements of Financial Condition. Exposure to credit risk in the event of non-performance by the counterparties to the financial instruments for loan commitments to extend credit and standby letters of credit is represented by the contractual amounts of those instruments. A summary of financial instruments with off-balance sheet risk at December 31 follows: 2021 2020 (In thousands) Financial instruments whose risk is represented by contract amounts Commitments to extend credit $ 672,693 $ 644,815 Standby letters of credit 9,208 9,361 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 generally require payment of a fee. Since commitments may expire without being drawn upon, the commitment amounts do not represent future cash requirements. Commitments are issued subject to similar underwriting standards, including collateral requirements, as are generally involved in the extension of credit facilities. Standby letters of credit are written conditional commitments issued to guarantee the performance of a customer to a third party. The credit risk involved in such transactions is essentially the same as that involved in extending loan facilities and, accordingly, standby letters of credit are issued subject to similar underwriting standards, including collateral requirements, as are generally involved in the extension of credit facilities. The majority of the standby letters of credit are on-demand with no stated maturity date and have variable rates that range from 2.50% to 12.00%. COVID- Pandemic The COVID-19 pandemic and the related government mandates, restrictions, and guidance have created and may continue to create and contribute to significant economic uncertainty and market disruptions. Throughout 2020 and 2021, the volatility created by the pandemic and responses to the pandemic impacted our performance, customers, and the markets we serve. Federal and state government responses have also created uncertainty. On November 4, 2021, the U.S. Department of Labor implemented an emergency temporary standard (ETS) mandating that all employers with 100 workers or more must require their employees to be fully vaccinated or submit to weekly testing. The ETS has been met with many subsequent legal challenges. On January 13, 2022, the U.S. Supreme Court stayed the ETS, sending the case back to the U.S. Court of Appeals for the Sixth Circuit for a decision on the merits. The timeline for such a decision is undetermined, and the outcomes remain unpredictable. In Michigan, the Department of Health and Human Services announced its intent to update quarantine and isolation periods to align with the Centers for Disease Control and Prevention’s newly shortened guidelines. These impending mandates and guidelines may have significant effects on the U.S. and Michigan economies, the banking sector generally, and our business specifically, the scope of which cannot be foreseen. Based on this uncertainty, it is difficult to predict the extent to which the pandemic will continue to adversely impact our business, results of operations, financial condition, and customers. The potential impacts may include, but are not limited to: • difficulties encountered by our business customers in addressing the effects of the pandemic may cause increases in loan delinquencies, foreclosures and defaults; • increases in our allowance for credit losses may be necessary; • declines in collateral values may occur; • third party disruptions may occur, including outages at network providers, on-line banking vendors and other suppliers; • there is increased cyber and payment fraud risk, as cybercriminals attempt to profit from the disruption, given increased online and remote activity; • we may experience operational failures due to changes in our normal business practices necessitated by the pandemic and related governmental actions; and/or • our production and efficiency may suffer due to employee illnesses and/or employees having to work remotely. Given the ongoing uncertainty with respect to the pandemic and potential government responses, these risk factors may continue to some degree for a significant period of time. The extent to which the COVID-19 pandemic may impact our business, results of operations, asset valuations, financial condition, and customers will depend on future developments, which continue to be highly uncertain and difficult to predict. Those developments and factors are expected to include the evolution of the virus and new and emerging virus variants, vaccination rates and subsequent vaccine-“boosters,” actions taken by governmental authorities to address the foregoing, and the enforcement thereof, and how quickly and to what extent normal economic and operating conditions stabilize. Potential developments also include market factors, such as interest rates, supply chain disruptions, inflation, consumer-welfare, and employment rates. We do not know the full extent of the potential impact. Material adverse impacts may include all or a combination of valuation impairments on our intangible assets, securities available for sale, loans, capitalized mortgage loan servicing rights or deferred tax assets. Certain consumer-driven industries (including restaurants, hotels, retail, fitness, and other industries) have experienced increased stress and have been more adversely impacted by the COVID-19 pandemic and related consumer trends, labor shortages and supply chain disruptions. We believe that the following concentrations within our commercial loan portfolio represent greater potential risk in the current economic environment. The balances below are as of December 31, 2021. % of Total Amount Loans (Dollars in millions) Commercial and industrial: Retail $ 70 2.4 % Food service 49 1.7 Hotel 40 1.4 159 5.5 Commercial real estate: Retail 109 3.8 Office 72 2.5 Multifamily 55 1.9 236 8.1 Total $ 395 13.6 % At December 31, 2021, we had no commercial loans in forbearance. However, we continue to closely monitor these industry concentrations and at present do not foresee any significant losses relative to this portion of our loan portfolio given the current economic conditions in Michigan and the fact that many businesses are reporting increased spending. However, a high degree of uncertainty still exists with respect to the impact of the COVID-19 pandemic and the related economic disruptions on the future performance of our loan portfolio, including these concentrations. Litigation We are involved in various litigation matters in the ordinary course of business. At the present time, we do not believe any of these matters will have a significant impact on our consolidated financial position or results of operations. The aggregate amount we have accrued for losses we consider probable as a result of these litigation matters is immaterial. However, because of the inherent uncertainty of outcomes from any litigation matter, we believe it is reasonably possible we may incur losses in addition to the amounts we have accrued. At this time, we estimate the maximum amount of additional losses that are reasonably possible is insignificant. However, because of a number of factors, including the fact that certain of these litigation matters are still in their early stages, this maximum amount may change in the future. The litigation matters described in the preceding paragraph primarily include claims that have been brought against us for damages, but do not include litigation matters where we seek to collect amounts owed to us by third parties (such as litigation initiated to collect delinquent loans). These excluded, collection-related matters may involve claims or counterclaims by the opposing party or parties, but we have excluded such matters from the disclosure contained in the preceding paragraph in all cases where we believe the possibility of us paying damages to any opposing party is remote. Visa Stock We own 12,566 shares of VISA Class B common stock. At the present time, these shares can only be sold to other Class B shareholders. As a result, there has generally been limited transfer activity in private transactions between buyers and sellers. Given the limited activity that we have become aware of and the continuing uncertainty regarding the likelihood, ultimate timing and eventual exchange rate for Class B shares into Class A shares, we continue to carry these shares at zero, representing cost basis less impairment. However, given the current conversion ratio of 1.6181 Class A shares for every 1 Class B share and the closing price of VISA Class A shares on February 25, 2022 of $219.27 per share, our 12,566 Class B shares would have a current “value” of approximately $4.5 million. We continue to monitor Class B trading activity and the status of the resolution of certain litigation matters at VISA that would trigger the conversion of Class B common shares into Class A common shares, which would not have any trading restrictions.

SHAREHOLDERS' EQUITY AND NET IN

SHAREHOLDERS' EQUITY AND NET INCOME PER COMMON SHARE	12 Months Ended
	Dec. 31, 2021
SHAREHOLDERS' EQUITY AND NET INCOME PER COMMON SHARE [Abstract]
SHAREHOLDERS' EQUITY AND NET INCOME PER COMMON SHARE	NOTE 12 – SHAREHOLDERS’ EQUITY AND NET INCOME PER COMMON SHARE Our Board of Directors authorized share repurchase plans to buy back up during 2021, 2020 and 2019 A reconciliation of basic and diluted net income per common share for the years ended December 31 follows: 2021 2020 2019 (In thousands, except per share amounts) Net income $ 62,895 $ 56,152 $ 46,435 Weighted average shares outstanding (1) 21,585 21,977 22,894 Stock units for deferred compensation plan for non-employee directors 121 121 132 Effect of stock options 69 90 115 Performance share units 32 33 42 Weighted average shares outstanding for calculation of diluted earnings per share 21,807 22,221 23,183 Net income per common share Basic (1) $ 2.91 $ 2.56 $ 2.03 Diluted $ 2.88 $ 2.53 $ 2.00 (1) Basic net income per common share includes weighted average common shares outstanding during the period and participating share awards. Weighted average stock options outstanding that were not considered in computing diluted net income per common share because they were anti-dilutive were zero for each year ended 2021, 2020 and 2019, respectively.

INCOME TAX

INCOME TAX	12 Months Ended
	Dec. 31, 2021
INCOME TAX [Abstract]
INCOME TAX	NOTE 13 – INCOME TAX The composition of income tax expense for the years ended December 31 follows: 2021 2020 2019 (In thousands) Current expense $ 12,506 $ 15,459 $ 10,237 Deferred expense (benefit) 1,912 (2,130 ) 1,088 Income tax expense $ 14,418 $ 13,329 $ 11,325 T he deferred income tax expense of $ million in 2021 can be primarily attributed to the increase in capitalized mortgage servicing rights while the deferred income tax benefit of $ million during 2020 can be primarily attributed to the increase in our allowance for credit losses while the deferred income tax expense of $ million during 2019 can be primarily attributed to the utilization of our net operating loss (“NOL”) carryfoward A reconciliation of income tax expense to the amount computed by applying the statutory federal income tax rate of for o the income before income tax for the years ended December 31 follows: 2021 2020 2019 (In thousands) Statutory rate applied to income before income tax $ 16,236 $ 14,591 $ 12,130 Tax-exempt income (1,487 ) (690 ) (375 ) Share-based compensation (184 ) (204 ) (204 ) Bank owned life insurance (119 ) (196 ) (233 ) Unrecognized tax benefit (11 ) (206 ) (134 ) Non-deductible meals, entertainment and memberships 32 57 86 Other, net (49 ) (23 ) 55 Income tax expense $ 14,418 $ 13,329 $ 11,325 The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities at December 31 follow: 2021 2020 (In thousands) Deferred tax assets Allowance for credit losses (1) $ 9,923 $ 7,363 Property and equipment 1,405 1,047 Lease liabilities 1,386 1,652 Reserve for unfunded lending commitments 941 379 Share-based compensation 734 742 Deferred compensation 390 321 Loss reimbursement on sold loans reserve 242 214 Non accrual loan interest income 194 203 Other than temporary impairment charge on securities available for sale 144 144 Other 276 - Gross deferred tax assets 15,635 12,065 Deferred tax liabilities Capitalized mortgage loan servicing rights 5,509 3,550 Deferred loan fees 2,011 1,901 Unrealized gain on securities available for sale 1,674 4,206 Lease right of use asset 1,361 1,606 Purchase premiums, net 735 509 Other - 18 Gross deferred tax liabilities 11,290 11,790 Deferred tax assets, net (2) $ 4,345 $ 275 (1) Beginning January 1, 2021, calculation is based on CECL methodology. Prior to January 1, 2021, calculation was based on the probable incurred loss methodology. (2) Included in accrued income and other assets on the Consolidated Statements of Financial Position. We assess whether a valuation allowance should be established against our deferred tax assets based on the consideration of all available evidence using a ‘‘more likely than not’’ standard. The ultimate realization of this asset is primarily based on generating future income. We concluded at both December 31, 2021 and 2020, that the realization of substantially all of our deferred tax assets continues to be more likely than not. Changes in unrecognized tax benefits for the years ended December 31 follow: 2021 2020 2019 (In thousands) Balance at beginning of year $ 180 $ 438 $ 588 Additions based on tax positions related to the current year 11 15 20 Reductions due to the statute of limitations (11 ) (273 ) (170 ) Reductions due to settlements - - - Balance at end of year $ 180 $ 180 $ 438 If recognized, the entire amount of unrecognized tax benefits, net of $ million of federal tax on state benefits, would affect our effective tax rate. We do not expect the total amount of unrecognized tax benefits to significantly increase or decrease in the next twelve months. amounts were expensed for interest and penalties for the years ended December 31, , and . amounts were accrued for interest and penalties at December 31, , and . At December 31, , U.S. Federal tax years 2018 through the present remain open to examination.

SHARE BASED COMPENSATION AND BE

SHARE BASED COMPENSATION AND BENEFIT PLANS	12 Months Ended
	Dec. 31, 2021
SHARE BASED COMPENSATION AND BENEFIT PLANS [Abstract]
SHARE BASED COMPENSATION AND BENEFIT PLANS	NOTE 14 – SHARE BASED COMPENSATION AND BENEFIT PLANS We maintain share based payment plans that include a non-employee director stock purchase plan and a long-term incentive plan that permits the issuance of share based compensation, including stock options and non-vested share awards. The long-term incentive plan, which is shareholder approved, permits the grant of additional share based awards for up to 0.7 million shares of common stock as of December 31, 2021. The non-employee director stock purchase plan permits the grant of additional share based payments for up to 0.1 million shares of common stock as of December 31, 2021. Share based awards and payments are measured at fair value at the date of grant and are expensed over the requisite service period. Common shares issued upon exercise of stock options come from currently authorized but unissued shares. During , and pursuant to our long-term incentive plan, we granted million, million and million shares, respectively of restricted stock and million during each year of performance stock units (‘‘PSUs’’), to certain officers. Except for million shares of restricted stock issued in 2019 that vest ratably over , all shares of restricted stock and PSUs cliff vest after a period of . The performance feature of the PSUs is based on a comparison of our total shareholder return over the vesting period starting on the grant date to the total shareholder return over that period for a banking index of our peers. We have not issued stock options in the previous three years. Our directors may elect to receive all or a portion of their cash retainer fees in the form of common stock (either on a current basis or on a deferred basis) pursuant to the non-employee director stock purchase plan referenced above. Shares equal in value to that portion of each director’s fees that he or she has elected to receive in stock on a current basis are issued each quarter and vest immediately. Shares issued on a deferred basis are credited at the rate of 90% of the current fair value of our common stock and vest immediately. We issued million, million and million shares to directors pursuant to this plan during the years ending respectively Total compensation expense recognized for grants pursuant to our long-term incentive plan was $1.6 million in 2021, 2020 and 2019. The corresponding tax benefit relating to this expense was $0.3 million during each year At December 31, 2021, the total expected compensation cost related to non-vested restricted stock and PSUs not yet recognized was $2.1 million. The weighted-average period over which this amount will be recognized is 1.8 years. A summary of outstanding stock option grants and related transactions follows: Number of Shares Average Exercise Price Weighted- Average Remaining Contractual Term (Years) Aggregated Intrinsic Value (In thousands) Outstanding at January 1, 2021 121,189 $ 4.81 Granted - Exercised (40,350 ) 2.90 Forfeited - Expired - Outstanding at December 31, 2021 80,839 $ 5.76 1.6 $ 1,464 Vested and expected to vest at December 31, 2021 80,839 $ 5.76 1.6 $ 1,464 Exercisable at December 31, 2021 80,839 $ 5.76 1.6 $ 1,464 A summary of outstanding non-vested stock and related transactions follows: Number of Shares Weighted- Average Grant Date Fair Value Outstanding at January 1, 2021 207,117 $ 22.70 Granted 114,565 20.45 Vested (73,081 ) 22.82 Forfeited (14,375 ) 21.89 Outstanding at December 31, 2021 234,226 $ 21.64 Certain information regarding options exercised during the periods ending December 31 follows: 2021 2020 2019 (In thousands) Intrinsic value $ 752 $ 293 $ 897 Cash proceeds received $ 117 $ 57 $ 706 Tax benefit realized $ 158 $ 61 $ 188 We maintain 401(k) and employee stock ownership plans covering substantially all of our full-time employees. We matched 50% of employee contributions to the 401(k) plan up to a maximum of 8% of participating employees’ eligible wages for , and Our employees participate in various performance-based compensation plans. Amounts expensed for all incentive plans totaled $15.6 million, $15.7 million and $9.5 million in 2021, 2020 and 2019, respectively. We also provide certain health care and life insurance programs to substantially all full-time employees. Amounts expensed for these programs totaled $6.1 million, $4.8 million and $5.7 million in 2021, 2020 and 2019 respectively. These insurance programs are also available to retired employees at their own expense.

OTHER NON-INTEREST INCOME

OTHER NON-INTEREST INCOME	12 Months Ended
	Dec. 31, 2021
OTHER NON-INTEREST INCOME [Abstract]
OTHER NON-INTEREST INCOME	NOTE 15 – OTHER NON-INTEREST INCOME Other non-interest income for the years ended December 31 follows: 2021 2020 2019 (In thousands) Investment and insurance commissions $ 2,603 $ 1,971 $ 1,658 ATM fees 1,133 1,197 1,403 Bank owned life insurance 567 910 1,111 Other 5,089 3,443 5,110 Total other non-interest income $ 9,392 $ 7,521 $ 9,282

DERIVATIVE FINANCIAL INSTRUMENT

DERIVATIVE FINANCIAL INSTRUMENTS	12 Months Ended
	Dec. 31, 2021
DERIVATIVE FINANCIAL INSTRUMENTS [Abstract]
DERIVATIVE FINANCIAL INSTRUMENTS	NOTE 16 – DERIVATIVE FINANCIAL INSTRUMENTS We are required to record derivatives on our Consolidated Statements of Financial Condition as assets and liabilities measured at their fair value. The accounting for increases and decreases in the value of derivatives depends upon the use of derivatives and whether the derivatives qualify for hedge accounting. Our derivative financial instruments according to the type of hedge in which they are designated at December 31 follow: 2021 Notional Amount Average Maturity (years) Fair Value (Dollars in thousands) Fair value hedge designation Pay-fixed interest rate swap agreements - commercial $ 6,753 7.4 $ (384 ) Pay-fixed interest rate swap agreements - securities available for sale 148,895 5.8 4,413 Total $ 155,648 5.9 $ 4,029 No hedge designation Rate-lock mortgage loan commitments $ 129,846 0.1 $ 2,140 Mandatory commitments to sell mortgage loans 97,737 0.1 (68 ) Interest rate swaption agreement 10,000 0.2 186 Pay-fixed interest rate swap agreements - commercial 207,080 5.7 (5,179 ) Pay-variable interest rate swap agreements - commercial 207,080 5.7 5,179 Interest rate cap agreements 90,000 1.3 35 Total $ 741,743 3.4 $ 2,293 2020 Notional Amount Average Maturity (years) Fair Value (Dollars in thousands) Fair value hedge designation Pay-fixed interest rate swap agreements - commercial $ 7,088 8.4 $ (776 ) Pay-fixed interest rate swap agreements - securities available for sale 41,950 7.1 15 Total $ 49,038 7.3 $ (761 ) No hedge designation Rate-lock mortgage loan commitments $ 168,816 0.1 $ 7,020 Mandatory commitments to sell mortgage loans 186,092 0.1 (941 ) Pay-fixed interest rate swap agreements - commercial 147,456 4.5 (9,700 ) Pay-variable interest rate swap agreements - commercial 147,456 4.5 9,700 Pay-fixed interest rate swap agreements 25,000 0.6 (295 ) Interest rate cap agreements 135,000 1.8 5 Purchased options 2,908 0.5 42 Written options 2,848 0.5 (42 ) Total $ 815,576 2.0 $ 5,789 We have established management objectives and strategies that include interest-rate risk parameters for maximum fluctuations in net interest income and market value of portfolio equity. We monitor our interest rate risk position via simulation modeling reports. The goal of our asset/liability management efforts is to maintain profitable financial leverage within established risk parameters. To meet our asset/liability management objectives, we may periodically enter into derivative financial instruments to mitigate exposure to fluctuations in cash flows resulting from changes in interest rates (‘‘Cash Flow Hedges’’). Cash Flow Hedges had included certain pay-fixed interest rate swap and interest rate cap agreements. Pay-fixed interest rate swap agreements convert the variable-rate cash flows on debt obligations to fixed-rates. We have entered into a pay-fixed interest rate swap to protect a portion of the fair value of a certain fixed rate commercial loan (‘‘Fair Value Hedge – Commercial Loan’’). As a result, changes in the fair value of the pay-fixed interest rate swap is expected to offset changes in the fair value of the fixed rate commercial loan due to fluctuations in interest rates. We record the fair value of Fair Value Hedge – Commercial Loan in accrued income and other assets and accrued expenses and other liabilities on our Consolidated Statements of Financial Condition. The hedged item (fixed rate commercial loan) is also recorded at fair value which offsets the adjustment to the Fair Value Hedge – Commercial Loan. On an ongoing basis, we adjust our Consolidated Statements of Financial Condition to reflect the then current fair value of both the Fair Value Hedge – Commercial Loan and the hedged item. The related gains or losses are reported in interest income – interest and fees on loans in our Consolidated Statements of Operations. W e have entered into pay-fixed interest rate swaps to protect a portion of the fair value of certain securities available for sale (‘‘Fair Value Hedge – AFS Securities’’). As a result, the change in the fair value of the pay-fixed interest rate swaps is expected to offset a portion of the change in the fair value of the fixed rate securities available for sale due to fluctuations in interest rates. We record the fair value of Fair Value Hedge – AFS Securities in accrued income and other assets and accrued expenses and other liabilities on our Consolidated Statements of Financial Condition. The hedged items (fixed rate securities available for sale) are also recorded at fair value which offsets the adjustment to the Fair Value Hedge – AFS Securities. On an ongoing basis, we adjust our Consolidated Statements of Financial Condition to reflect the then current fair value of both the Fair Value Hedge – AFS Securities and the hedged item. The related gains or losses are reported in interest income – interest on securities available for sale – tax-exempt in our Consolidated Statements of Operations. Certain derivative financial instruments have not been designated as hedges. The fair value of these derivative financial instruments has been recorded on our Consolidated Statements of Financial Condition and is adjusted on an ongoing basis to reflect their then current fair value. The changes in fair value of derivative financial instruments not designated as hedges are recognized in earnings. In the ordinary course of business, we enter into rate-lock mortgage loan commitments with customers (‘‘Rate-Lock Commitments’’). These commitments expose us to interest rate risk. We also enter into mandatory commitments to sell mortgage loans (‘‘Mandatory Commitments’’) to reduce the impact of price fluctuations of mortgage loans held for sale and Rate-Lock Commitments. Mandatory Commitments help protect our loan sale profit margin from fluctuations in interest rates. The changes in the fair value of Rate Lock Commitments and Mandatory Commitments are recognized currently as part of net gains on mortgage loans in the Consolidated Statements of Operations. We obtain market prices on Mandatory Commitments and Rate-Lock Commitments. Net gains on mortgage loans, as well as net income, may be more volatile as a result of these derivative instruments, which are not designated as hedges. We have purchased a swaption agreement, whereby we have the right but not the obligation to pay fixed on an interest rate swap at a future date, in an attempt to reduce the impact of price fluctuations of certain mortgage construction loans held for sale. The changes in the fair value of the swaption agreement is recognized currently as part of net gains on mortgage loans in our Consolidated Statements of Operations. In prior periods we offered to our deposit customers an equity linked time deposit product (‘‘Altitude CD’’). The Altitude CD was a time deposit that provided the customer a guaranteed return of principal at maturity plus a potential equity return (a written option), while we receive a like stream of funds based on the equity return (a purchased option). The written and purchased options will generally move in opposite directions resulting in little or no net impact on our Consolidated Statements of Operations. The written and purchased options in the table above relate to this Altitude CD product and matured during the fourth quarter of 2021. We have a program that allows commercial loan customers to lock in a fixed rate for a longer period of time than we would normally offer for interest rate risk reasons. We will enter into a variable rate commercial loan and an interest rate swap agreement with a customer and then enter into an offsetting interest rate swap agreement with an unrelated party. The interest rate swap agreement fair values will generally move in opposite directions resulting in little or no net impact on our Consolidated Statements of Operations. All of the interest rate swap agreements-commercial with no hedge designation in the table above relate to this program. The following table illustrate the impact that the derivative financial instruments discussed above have on individual line items in the Consolidated Statements of Financial Condition for the periods presented: Fair Values of Derivative Instruments Asset Derivatives Liability Derivatives December 31, December 31, 2021 2020 2021 2020 Balance Sheet Location Fair Value Balance Sheet Location Fair Value Balance Sheet Location Fair Value Balance Sheet Location Fair Value (In thousands) Derivatives designated as hedging instruments - - - - Pay-fixed interest rate swap agreements Other assets $ 4,413 Other assets $ 15 Other liabilities $ 384 Other liabilities $ 776 Derivatives not designated as hedging instruments Rate-lock mortgage loan commitments Other assets $ 2,140 Other assets $ 7,020 Other liabilities $ - Other liabilities $ - Mandatory commitments to sell mortgage loans Other assets - Other assets - Other liabilities 68 Other liabilities 941 Interest rate swaption agreement Other assets 186 Other assets - Other liabilities - Other liabilities - Pay-fixed interest rate swap agreements - commercial Other assets 165 Other assets - Other liabilities 5,344 Other liabilities 9,700 Pay-variable interest rate swap agreements - commercial Other assets 5,344 Other assets 9,700 Other liabilities 165 Other liabilities - Pay-fixed interest rate swap agreements Other assets - Other assets - Other liabilities - Other liabilities 295 Interest rate cap agreements Other assets 35 Other assets 5 Other liabilities - Other liabilities - Purchased options Other assets - Other assets 42 Other liabilities - Other liabilities - Written options Other assets - Other assets - Other liabilities - Other liabilities 42 7,870 16,767 5,577 10,978 Total derivatives $ 12,283 $ 16,782 $ 5,961 $ 11,754 The effect of derivative financial instruments on the Consolidated Statements of Operations follows: Year Ended December 31, Gain (loss) Recognized in Other Comprehensive Income (Loss) (Effective Portion) Location of Gain (Loss) Reclassified from Accumulated Other Comprehensive Income into Income (Effective Portion) Gain (Loss) Reclassified from Accumulated Other Comprehensive Income into Income (Effective Portion) Location of Gain (Loss) Recognized in Income Gain (Loss) Recognized in Income 2021 2020 2019 2021 2020 2019 2021 2020 2019 (In thousands) Fair Value Hedges Pay-fixed interest rate swap agreement - commercial Interest and fees on loans $ 392 $ (534 ) $ (242 ) Pay-fixed interest rate swap agreement - securities available for sale Interest on securities available for sale - tax-exempt 4,398 15 - Total $ 4,790 $ (519 ) $ (242 ) Cash Flow Hedges Interest rate cap agreements $ - $ 125 $ (1,211 ) Interest expense $ - $ (1,885 ) $ 363 Pay-fixed interest rate swap agreements - (479 ) (392 ) Interest expense - (654 ) 62 Total $ - $ (354 ) $ (1,603 ) $ - $ (2,539 ) $ 425 No hedge designation Rate-lock mortgage loan commitments Net gains on mortgage loans $ (4,880 ) $ 5,608 $ 725 Mandatory commitments to sell mortgage loans Net gains on mortgage loans 873 (791 ) 233 Interest rate swaption agreement Net gains on mortgage loans (2 ) - - Pay-fixed interest rate swap agreements - commercial Interest income 4,521 (6,059 ) (4,046 ) Pay-variable interest rate swap agreements -commercial Interest income (4,521 ) 6,059 4,046 Pay-fixed interest rate swap agreements Interest expense 295 231 - Interest rate cap agreements Interest expense 30 (57 ) - Purchased options Interest expense (42 ) (99 ) 25 Written options Interest expense 42 97 (23 ) Total $ (3,684 ) $ 4,989 $ 960

RELATED PARTY TRANSACTIONS

RELATED PARTY TRANSACTIONS	12 Months Ended
	Dec. 31, 2021
RELATED PARTY TRANSACTIONS [Abstract]
RELATED PARTY TRANSACTIONS	NOTE 17 – RELATED PARTY TRANSACTIONS Certain directors and executive officers, including companies in which they are officers or have significant ownership, were loan and deposit customers during 2021 and 2020. A summary of loans to our directors and executive officers (which includes loans to entities in which the individual owns a 10% or more voting interest) for the years ended December 31 follows: 2021 2020 (In thousands) Balance at beginning of year $ 2,416 $ 13,077 New loans and advances 5,722 417 Repayments (1,259 ) (11,078 ) Balance at end of year $ 6,879 $ 2,416 We had $1.9 million and $1.74 million in loan commitments to directors and executive officers at December 31, 2021 and 2020, respectively. Of these, commitments of $0.02 million and $0.04 million were outstanding at December 31, 2021 and 2020, respectively, and included in the table above. Deposits held by us for directors and executive officers totaled $ million and $2.0 million at December 31, and , respectively.

LEASES

LEASES	12 Months Ended
	Dec. 31, 2021
LEASES [Abstract]
LEASES	NOTE 18 – LEASES We have entered into leases in the normal course of business primarily for office facilities, some of which include renewal options and escalation clauses. Certain leases also include both lease components (fixed payments including rent, taxes and insurance costs) and non-lease components (common area or other maintenance costs) which are accounted for as a single lease component as we have elected the practical expedient to group lease and non-lease components together for all leases. We have also elected not to recognize leases with original lease terms of 12 months or less (short-term leases) on our Consolidated Statements of Financial Condition. Most of our leases include one or more options to renew. The exercise of lease renewal options is typically at our sole discretion and are included in our right of use (“ROU”) assets and lease liabilities if they are reasonably certain of exercise. Leases are classified as operating or finance leases at the lease commencement date (we did not have any finance leases as of December 31, 2021). Lease expense for operating leases and short-term leases is recognized on a straight-line basis over the lease term. The ROU assets represent our right to use an underlying asset for the lease term and lease liabilities represent our obligation to make lease payments arising from the lease. ROU assets and lease liabilities are recognized at the lease commencement date based on the estimated present value of the lease payment over the lease term. As most of our leases do not provide an implicit rate, we use our incremental borrowing rate based on the information available at the lease commencement date in determining the present value of the lease payments. The cost components of our operating leases follows: 2021 2020 2019 (In thousands) Operating lease cost $ 1,672 $ 1,780 $ 2,217 Variable lease cost 63 69 142 Short-term lease cost 64 36 19 Total $ 1,799 $ 1,885 $ 2,378 Variable lease costs consist primarily of taxes, insurance, and common area or other maintenance costs for our leased facilities. Supplemental balance sheet information related to our operating leases follows: 2021 2020 (In thousands) Lease right of use asset (1) $ 6,481 $ 7,646 Lease liabilities (2) $ 6,602 $ 7,868 Weighted average remaining lease term (years) 6.50 7.12 Weighted average discount rate 2.3 % 2.4 % (1) Included in Accrued income and other assets (2) Included in Accrued expenses and other liabilities Maturity analysis of our lease liabilities at December 31, 2021 based on required contractual payments follows: (In thousands) 2022 $ 1,619 2023 1,311 2024 816 2025 809 2026 744 2027 1,795 Total lease payments 7,094 Less imputed interest (492 ) Total $ 6,602

CONCENTRATIONS OF CREDIT RISK

CONCENTRATIONS OF CREDIT RISK	12 Months Ended
	Dec. 31, 2021
CONCENTRATIONS OF CREDIT RISK [Abstract]
CONCENTRATIONS OF CREDIT RISK	NOTE 19 – CONCENTRATIONS OF CREDIT RISK Credit risk is the risk to earnings and capital arising from an obligor’s failure to meet the terms of any contract with our organization or otherwise failing to perform as agreed. Credit risk can occur outside of our traditional lending activities and can exist in any activity where success depends on counterparty, issuer or borrower performance. Concentrations of credit risk (whether on- or off-balance sheet) arising from financial instruments can exist in relation to individual borrowers or groups of borrowers, certain types of collateral, certain types of industries or certain geographic regions. Credit risk associated with these concentrations could arise when a significant amount of loans or other financial instruments, related by similar characteristics, are simultaneously impacted by changes in economic or other conditions that cause their probability of repayment or other type of settlement to be adversely affected. Our major concentrations of credit risk arise by collateral type and by industry. The significant concentrations by collateral type at December 31, , include $ million of loans secured by residential real estate and $ million of construction and land development loans. Additionally, within our commercial real estate and commercial loan portfolio, we had significant standard industry classification concentrations in the following categories as of December 31, 2021: Lessors of Nonresidential Real Estate ($358.6 million); Construction ($126.8 million); Lessors of Residential Real Estate ($100.2 million); Health Care and Social Assistance ($92.0 million); Accommodation and Food Services ($90.1 million) and Manufacturing ($73.4 million). A geographic concentration arises because we primarily conduct our lending activities in the State of Michigan.

REGULATORY MATTERS

REGULATORY MATTERS	12 Months Ended
	Dec. 31, 2021
REGULATORY MATTERS [Abstract]
REGULATORY MATTERS	NOTE 20 – REGULATORY MATTERS Capital guidelines adopted by federal and state regulatory agencies and restrictions imposed by law limit the amount of cash dividends our Bank can pay to us. Under these guidelines, the amount of dividends that may be paid in any calendar year is limited to the Bank’s current year net profits, combined with the retained net profits of the preceding two years. Further, the Bank cannot pay a dividend at any time that it has negative undivided profits. As of December 31, 2021, the Bank had positive undivided profits of $100.1 million. It is not our intent to have dividends paid in amounts that would reduce the capital of our Bank to levels below those which we consider prudent or that would not be in accordance with guidelines of regulatory authorities. We are also subject to various regulatory capital requirements. The prompt corrective action regulations establish quantitative measures to ensure capital adequacy and require minimum amounts and ratios of total, Tier 1, and common equity Tier 1 capital to risk-weighted assets and Tier 1 capital to average assets. Failure to meet minimum capital requirements can result in certain mandatory, and possibly discretionary, actions by regulators that could have a material effect on our consolidated financial statements. In addition, capital adequacy rules include a common equity Tier 1 capital conservation buffer of 2.5% of risk-weighted assets that applies to all supervised financial institutions. To avoid limits on capital distributions and certain discretionary bonus payments we must meet the minimum ratio for adequately capitalized institutions plus the buffer. Under capital adequacy guidelines, we must meet specific capital requirements that involve quantitative measures as well as qualitative judgments by the regulators. The most recent regulatory filings as of December 31, 2021 and 2020, categorized our Bank as well capitalized. Management is not aware of any conditions or events that would have changed the most recent Federal Deposit Insurance Corporation (‘‘FDIC’’) categorization. Our actual capital amounts and ratios at December 31 follow (1) Actual Minimum for Adequately Capitalized Institutions Minimum for Well-Capitalized Institutions Amount Ratio Amount Ratio Amount Ratio (Dollars in thousands) 2021 Total capital to risk-weighted assets Consolidated $ 488,495 14.53 % $ 268,991 8.00 % NA NA Independent Bank 438,352 13.05 268,808 8.00 $ 336,011 10.00 % Tier 1 capital to risk-weighted assets Consolidated $ 406,645 12.09 % $ 201,743 6.00 % NA NA Independent Bank 396,351 11.80 201,606 6.00 $ 268,808 8.00 % Common equity tier 1 capital to risk-weighted assets Consolidated $ 368,277 10.95 % $ 151,307 4.50 % NA NA Independent Bank 396,351 11.80 151,205 4.50 $ 218,407 6.50 % Tier 1 capital to average assets Consolidated $ 406,645 8.79 % $ 185,034 4.00 % NA NA Independent Bank 396,351 8.57 185,077 4.00 $ 231,347 5.00 % 2020 Total capital to risk-weighted assets Consolidated $ 455,072 15.95 % $ 228,214 8.00 % NA NA Independent Bank 401,005 14.06 228,111 8.00 $ 285,139 10.00 % Tier 1 capital to risk-weighted assets Consolidated $ 379,395 13.30 % $ 171,161 6.00 % NA NA Independent Bank 365,343 12.81 171,083 6.00 $ 228,111 8.00 % Common equity tier 1 capital to risk-weighted assets Consolidated $ 341,095 11.96 % $ 128,370 4.50 % NA NA Independent Bank 365,343 12.81 128,312 4.50 $ 185,340 6.50 % Tier 1 capital to average assets Consolidated $ 379,395 9.15 % $ 165,825 4.00 % NA NA Independent Bank 365,343 8.81 165,828 4.00 $ 207,285 5.00 % (1) These ratios do not reflect a capital conservation buffer of 2.50% at December 31, 2021 and 2020. NA - Not applicable The components of our regulatory capital are as follows: Consolidated Independent Bank December 31, December 31, 2021 2020 2021 2020 (In thousands) Total shareholders’ equity $ 398,484 $ 389,522 $ 426,558 $ 413,770 Add (deduct) Accumulated other comprehensive loss for regulatory purposes (6,298 ) (15,821 ) (6,298 ) (15,821 ) Goodwill and other intangibles (31,636 ) (32,606 ) (31,636 ) (32,606 ) CECL (1) 7,727 - 7,727 - Common equity tier 1 capital 368,277 341,095 396,351 365,343 Qualifying trust preferred securities 38,368 38,300 - - Tier 1 capital 406,645 379,395 396,351 365,343 Subordinated debt 40,000 40,000 - - Allowance for credit losses and allowance for unfunded lending commitments limited to 1.25% of total risk-weighted assets (2) 41,850 35,677 42,001 35,662 Total risk-based capital $ 488,495 $ 455,072 $ 438,352 $ 401,005 (1) We elected the three year CECL transition method for regulatory purposes. (2) Beginning January 1, 2021, calculation of allowances are based on CECL methodology. Prior to January 1, 2021, calculation was based on the probable incurred loss methodology.

FAIR VALUE DISCLOSURES

FAIR VALUE DISCLOSURES	12 Months Ended
	Dec. 31, 2021
FAIR VALUE DISCLOSURES [Abstract]
FAIR VALUE DISCLOSURES	NOTE 21 – FAIR VALUE DISCLOSURES FASB ASC topic 820 defines fair value as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. FASB ASC topic 820 also establishes a fair value hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The standard describes three levels of inputs that may be used to measure fair value: Level 1: Valuation is based upon quoted prices for identical instruments traded in active markets. Level 1 instruments include securities traded on active exchange markets, such as the New York Stock Exchange, as well as U.S. Treasury securities that are traded by dealers or brokers in active over-the-counter markets. Level 2: Valuation is based upon quoted prices for similar instruments in active markets, quoted prices for identical or similar instruments in markets that are not active, and model-based valuation techniques for which all significant assumptions are observable in the market. Level 2 instruments include securities traded in less active dealer or broker markets. Level 3: Valuation is generated from model-based 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 use of option pricing models, discounted cash flow models and similar techniques. We used the following methods and significant assumptions to estimate fair value: Securities : Where quoted market prices are available in an active market, securities available for sale are classified as Level 1 of the valuation hierarchy. We currently do not have any Level 1 securities. If quoted market prices are not available for the specific security, then fair values are estimated by (1) using quoted market prices of securities with similar characteristics, (2) matrix pricing, which is a mathematical technique used widely in the industry to value debt securities without relying exclusively on quoted prices for specific securities but rather by relying on the securities’ relationship to other benchmark quoted prices, or (3) a discounted cash flow analysis whose significant fair value inputs can generally be verified and do not typically involve judgment by management. These securities are classified as Level 2 of the valuation hierarchy and primarily include agency securities, private label mortgage-backed securities, other asset backed securities, obligations of states and political subdivisions, trust preferred securities, corporate securities and foreign government securities. Loans held for sale Collateral dependent : From time to time, certain collateral dependent loans will have an ACL established. When the fair value of the collateral is based on an appraised value or when an appraised value is not available we record the collateral dependent loan as nonrecurring Level 3 Other real estate Appraisals for both collateral-dependent loans and other real estate are performed by certified general appraisers (for commercial properties) or certified residential appraisers (for residential properties) whose qualifications and licenses have been reviewed and verified by us. Once received, an independent third party, or a member of our Collateral Evaluation Department (for commercial properties), or a member of our Special Assets/ORE Group (for residential properties) reviews the assumptions and approaches utilized in the appraisal as well as the overall resulting fair value in comparison with independent data sources such as recent market data or industry-wide statistics. We compare the actual selling price of collateral that has been sold to the most recent appraised value of our properties to determine what additional adjustment, if any, should be made to the appraisal value to arrive at fair value. For commercial and residential properties we typically discount an appraisal to account for various factors that the appraisal excludes in its assumptions. These additional discounts generally do not result in material adjustments to the appraised value. Capitalized mortgage loan servicing rights Derivatives Assets and liabilities measured at fair value, including financial assets for which we have elected the fair value option, were as follows: Fair Value Measurements Using Fair Value Measure- ments Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Un- observable Inputs (Level 3) (In thousands) December 31, 2021 Measured at Fair Value on a Recurring Basis Assets Securities available for sale U.S. agency $ 34,674 $ - $ 34,674 $ - U.S. agency residential mortgage-backed 307,985 - 307,985 - U.S. agency commercial mortgage-backed 22,926 - 22,926 - Private label mortgage-backed 102,615 - 102,615 - Other asset backed 216,170 - 216,170 - Obligations of states and political subdivisions 576,076 - 576,076 - Corporate 149,959 - 149,959 - Trust preferred 1,919 - 1,919 - Foreign government 506 - 506 - Loans held for sale, carried at fair value 55,470 - 55,470 - Capitalized mortgage loan servicing rights 26,232 - - 26,232 Derivatives (1) 12,283 - 12,283 - Liabilities Derivatives (2) 5,961 - 5,961 - Measured at Fair Value on a Non-recurring Basis: Assets Collateral dependent loans (3) Commercial Commercial and industrial 274 - - 274 Commercial real estate 65 - - 65 Mortgage 1-4 family owner occupied - non-jumbo 516 - - 516 1-4 family non-owner occupied 130 - - 130 1-4 family - 2nd lien 121 - - 121 Resort lending 77 - - 77 Installment Boat lending 51 - - 51 Recreational vehicle lending 77 - - 77 Other 45 - - 45 (1) Included in accrued income and other assets in the Consolidated Statements of Financial Condition. (2) Included in accrued expenses and other liabilities in the Consolidated Statements of Financial Condition. (3) Only includes individually evaluated loans with specific loss allocations based on collateral value. Fair Value Measurements Using Fair Value Measure- ments Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Un- observable Inputs (Level 3) (In thousands) December 31, 2020 Measured at Fair Value on a Recurring Basis Assets Securities available for sale U.S. agency $ 10,748 $ - $ 10,748 $ - U.S. agency residential mortgage-backed 344,582 - 344,582 - U.S. agency commercial mortgage-backed 7,195 - 7,195 - Private label mortgage-backed 42,829 - 42,829 - Other asset backed 254,181 - 254,181 - Obligations of states and political subdivisions 324,293 - 324,293 - Corporate 86,017 - 86,017 - Trust preferred 1,798 - 1,798 - Foreign government 516 - 516 - Loans held for sale, carried at fair value 92,434 - 92,434 - Capitalized mortgage loan servicing rights 16,904 - - 16,904 Derivatives (1) 16,782 - 16,782 - Liabilities Derivatives (2) 11,754 - 11,754 - Measured at Fair Value on a Non-recurring Basis: Assets Impaired loans (3) Commercial Commercial and industrial 1,468 - - 1,468 Commercial real estate 6,586 - - 6,586 Mortgage 1-4 family owner occupied - jumbo - - - - 1-4 family owner occupied - non-jumbo 321 - - 321 1-4 family non-owner occupied 155 - - 155 1-4 family - 2nd lien 324 - - 324 Resort lending 61 - - 61 Installment Boat lending 4 - - 4 Recreational vehicle lending 31 - - 31 Other 124 - - 124 Other real estate (4) 1-4 family owner occupied - non-jumbo 102 - - 102 (1) Included in accrued income and other assets in the Consolidated Statements of Financial Condition. (2) Included in accrued expenses and other liabilities in the Consolidated Statements of Financial Condition. (3) Only includes impaired loans with specific loss allocations based on collateral value. (4) Only includes other real estate with subsequent write downs to fair value. Changes in fair values of financial assets for which we have elected the fair value option for the years ended December 31 were as follows: Net Gains (Losses) on Assets Total Change in Fair Values Included Securities Available For Sale Mortgage Loans Mortgage Loan Servicing, net in Current Period Earnings (In thousands) 2021 Loans held for sale $ - $ (2,805) $ - $ (2,805) Capitalized mortgage loan servicing rights - - (2,108 ) (2,108 ) 2020 Loans held for sale - 1,962 - 1,962 Capitalized mortgage loan servicing rights - - (16,224 ) (16,224 ) 2019 Equity securities at fair value 167 - - 167 Loans held for sale - 637 - 637 Capitalized mortgage loan servicing rights - - (9,532 ) (9,532 ) For those items measured at fair value pursuant to our election of the fair value option, interest income is recorded within the Consolidated Statements of Operations based on the contractual amount of interest income earned on these financial assets and dividend income is recorded based on cash dividends received. The following represent impairment charges recognized during the years ended December 31, 2021, 2020 and 2019 relating to assets measured at fair value on a non-recurring basis: • Loans that are individually evaluated using the fair value of collateral for collateral dependent loans had a carrying amount of $ million, which is net of a valuation allowance of $ million at December 31, , and had a carrying amount of $ million, which is net of a valuation allowance of $ million at December 31, . An additional provision for credit losses relating to these collateral dependent loans of $ million, $ million and $ million was included in our results of operations for the years ending December 31, , and , respectively. • Other real estate, which is measured using the fair value of the property, had a carrying amount of which is net of a valuation allowance of $ million at December 31, , and a carrying amount of $ million which is net of a valuation allowance of $ million, at December 31, . An additional charge relating to other real estate measured at fair value of , $ million and $ million was included in our results of operations during the years ended December 31, , and , respectively. A reconciliation for all assets and (liabilities) measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the years ended December 31 follows: Capitalized Mortgage Loan Servicing Rights 2021 2020 2019 (In thousands) Beginning balance $ 16,904 $ 19,171 $ 21,400 Total losses realized and unrealized: Included in results of operations (2,108 ) (16,224 ) (9,532 ) Included in other comprehensive income (loss) - - - Purchases, issuances, settlements, maturities and calls 11,436 13,957 7,303 Transfers in and/or out of Level 3 - - - Ending balance $ 26,232 $ 16,904 $ 19,171 Amount of total losses for the period included in earnings attributable to the change in unrealized losses relating to assets and liabilities still held at December 31 $ (2,108 ) $ (16,224 ) $ (9,532 ) The fair value of our capitalized mortgage loan servicing rights has been determined based on a valuation model used by an independent third party as discussed above. The significant unobservable inputs used in the fair value measurement of the capitalized mortgage loan servicing rights are discount rate, cost to service, ancillary income, float rate and prepayment rate. Significant changes in all five of these assumptions in isolation would result in significant changes to the value of our capitalized mortgage loan servicing rights. Quantitative information about our Level 3 fair value measurements measured on a recurring basis follows: Asset Fair Value Valuation Technique Unobservable Inputs Range Weighted Average (In thousands) - - - - 2021 Capitalized mortgage loan servicing rights $ 26,232 Present value of net Discount rate 10.00% to 13.00 % 10.07 % servicing revenue Cost to service $ 67 to $281 $ 78 Ancillary income 20 to 30 21 Float rate 1.36 % 1.36 % Prepayment rate 7.02% to 44.21 % 13.92 % 2020 Capitalized mortgage loan servicing rights $ 16,904 Present value of net Discount rate 10.00% to 13.00 % 10.09 % servicing revenue Cost to service $ 69 to $289 $ 79 Ancillary income 20 to 37 22 Float rate 0.43 % 0.43 % Prepayment rate 7.92% to 64.70 % 20.85 % Quantitative information about Level 3 fair value measurements measured on a non-recurring basis follows: Asset Fair Value Valuation Technique Unobservable Inputs Range Weighted Average (In thousands) - - - - 2021 Collateral dependent loans Commercial $ 339 Sales comparison Adjustment for differences approach between comparable sales (12.5)% to 12.0 % 1.5 % Mortgage and Installment (1) 1,017 Sales comparison Adjustment for differences approach between comparable sales (30.1) to 29.3 0.2 Other real estate 2020 Impaired loans Commercial $ 8,054 Sales comparison Adjustment for differences approach between comparable sales (40.0)% to 75.0 % 3.8 % Mortgage and Installment (1) 1,020 Sales comparison Adjustment for differences approach between comparable sales (73.3) to 104.6 (1.5 ) Other real estate Mortgage 102 Sales comparison Adjustment for differences approach between comparable sales (13.1) to 2.4 (3.6 ) (1) In addition to the valuation techniques and unobservable inputs discussed above, at December 31, 2021 and 2020 certain collateral dependent installment loans totaling approximately $0.17 million and $0.16 million are secured by collateral other than real estate. For the majority of these loans, we apply internal discount rates to industry valuation guides. The following table reflects the difference between the aggregate fair value and the aggregate remaining contractual principal balance outstanding for loans held for sale for which the fair value option has been elected at December 31: Aggregate Fair Value Difference Contractual Principal (In thousands) Loans held for sale 2021 $ 55,470 $ 1,051 $ 54,419 2020 92,434 3,856 88,578 2019 69,800 1,894 67,906

FAIR VALUES OF FINANCIAL INSTRU

FAIR VALUES OF FINANCIAL INSTRUMENTS	12 Months Ended
	Dec. 31, 2021
FAIR VALUES OF FINANCIAL INSTRUMENTS [Abstract]
FAIR VALUES OF FINANCIAL INSTRUMENTS	NOTE 22 – FAIR VALUES OF FINANCIAL INSTRUMENTS Most of our assets and liabilities are considered financial instruments. Many of these financial instruments lack an available trading market and it is our general practice and intent to hold the majority of our financial instruments to maturity. Significant estimates and assumptions were used to determine the fair value of financial instruments. These estimates are subjective in nature, involving uncertainties and matters of judgment, and therefore, fair values may not be a precise estimate. Changes in assumptions could significantly affect the estimates. Estimated fair values have been determined using available data and methodologies that are considered suitable for each category of financial instrument. For instruments with adjustable interest rates which reprice frequently and without significant credit risk, it is presumed that estimated fair values approximate the recorded book balances. The estimated recorded book balances and fair values at December 31 follow: Fair Value Using Recorded Book Balance Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Un- observable Inputs (Level 3) (In thousands) 2021 Assets Cash and due from banks $ 51,069 $ 51,069 $ 51,069 $ - $ - Interest bearing deposits 58,404 58,404 58,404 - - Securities available for sale 1,412,830 1,412,830 - 1,412,830 - Federal Home Loan Bank and Federal Reserve Bank Stock 18,427 NA NA NA NA Net loans and loans held for sale 2,948,074 2,931,079 35,233 55,470 2,840,376 Accrued interest receivable 12,865 12,865 1 6,028 6,836 Derivative financial instruments 12,283 12,283 - 12,283 - Liabilities Deposits with no stated maturity (1) $ 3,781,298 $ 3,781,298 $ 3,781,298 $ - $ - Deposits with stated maturity (1) 335,792 336,006 - 336,006 - Other borrowings 30,009 30,155 - 30,155 - Subordinated debt 39,357 44,999 - 44,999 - Subordinated debentures 39,592 33,866 - 33,866 - Accrued interest payable 497 497 67 430 - Derivative financial instruments 5,961 5,961 - 5,961 - 2020 Assets Cash and due from banks $ 56,006 $ 56,006 $ 56,006 $ - $ - Interest bearing deposits 62,699 62,699 62,699 - - Securities available for sale 1,072,159 1,072,159 - 1,072,159 - Federal Home Loan Bank and Federal Reserve Bank Stock 18,427 NA NA NA NA Net loans and loans held for sale 2,790,683 2,794,058 - 92,434 2,701,624 Accrued interest receivable 12,315 12,315 3 3,414 8,898 Derivative financial instruments 16,782 16,782 - 16,782 - Liabilities Deposits with no stated maturity (1) $ 3,198,338 $ 3,198,338 $ 3,198,338 $ - $ - Deposits with stated maturity (1) 439,017 441,457 - 441,457 - Other borrowings 30,012 30,844 - 30,844 - Subordinated debt 39,281 41,417 - 41,417 - Subordinated debentures 39,524 30,265 - 30,265 - Accrued interest payable 601 601 59 542 - Derivative financial instruments 11,754 11,754 - 11,754 - NA – Not applicable (1) Deposits with no stated maturity include reciprocal deposits with a recorded book balance of $ million and $ million at December 31, 2021 and 2020, respectively. Deposits with a stated maturity include reciprocal deposits with a recorded book balance of $ million and $ million at December 31, 2021 and 2020, respectively. The fair values for commitments to extend credit and standby letters of credit are estimated to approximate their aggregate book balance, which is nominal, and therefore are not disclosed. Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale the entire holdings of a particular financial instrument. Fair value estimates are based on existing on- and off-balance sheet financial instruments without attempting to estimate the value of anticipated future business, the value of future earnings attributable to off-balance sheet activities and the value of assets and liabilities that are not considered financial instruments. Fair value estimates for deposit accounts do not include the value of the core deposit intangible asset resulting from the low-cost funding provided by the deposit liabilities compared to the cost of borrowing funds in the market.

ACCUMULATED OTHER COMPREHENSIVE

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)	12 Months Ended
	Dec. 31, 2021
ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) [Abstract]
ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)	NOTE 23 – ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) A summary of changes in accumulated other comprehensive income (loss) (‘‘AOCIL’’), net of tax during the years ended December 31 follows: Unrealized Gains (Losses) on Securities Available for Sale Dispropor- tionate Tax Effects from Securities Available for Sale Unrealized Losses on Cash Flow Hedges Total (In thousands) 2021 Balances at beginning of period $ 15,822 $ (5,798 ) $ - $ 10,024 Other comprehensive loss before reclassifications (8,408 ) - - (8,408 ) Amounts reclassified from AOCIL (1,115 ) - - (1,115 ) Net current period other comprehensive loss (9,523 ) - - (9,523 ) Balances at end of period $ 6,299 $ (5,798 ) $ - $ 501 2020 Balances at beginning of period $ 3,739 $ (5,798 ) $ (1,727 ) $ (3,786 ) Other comprehensive income (loss) before reclassifications 12,294 - (279 ) 12,015 Amounts reclassified from AOCIL (211 ) - 2,006 1,795 Net current period other comprehensive income 12,083 - 1,727 13,810 Balances at end of period $ 15,822 $ (5,798 ) $ - $ 10,024 2019 Balances at beginning of period $ (4,185 ) $ (5,798 ) $ (125 ) $ (10,108 ) Other comprehensive income (loss) before reclassifications 8,035 - (1,266 ) 6,769 Amounts reclassified from AOCIL (111 ) - (336 ) (447 ) Net current period other comprehensive income (loss) 7,924 - (1,602 ) 6,322 Balances at end of period $ 3,739 $ (5,798 ) $ (1,727 ) $ (3,786 ) The disproportionate tax effects from securities available for sale arose primarily due to tax effects of other comprehensive income (‘‘OCI’’) in the presence of a valuation allowance against our deferred tax assets and a pretax loss from operations. Generally, the amount of income tax expense or benefit allocated to operations is determined without regard to the tax effects of other categories of income or loss, such as OCI. However, an exception to the general rule is provided when, in the presence of a valuation allowance against deferred tax assets, there is a pretax loss from operations and pretax income from other categories in the current period. In such instances, income from other categories must offset the current loss from operations, the tax benefit of such offset being reflected in operations. Release of material disproportionate tax effects from other comprehensive income to earnings is done by the portfolio method whereby the effects will remain in AOCIL as long as we carry a more than inconsequential portfolio of securities available for sale. A summary of reclassifications out of each component of AOCIL for the years ended December 31 follows: AOCIL Component Reclassified From AOCIL Affected Line Item in Consolidated Statements of Operations (In thousands) 2021 Unrealized gains (losses) on securities available for sale $ 1,411 Net gains on securities available for sale - Net impairment loss recognized in earnings 1,411 Total reclassifications before tax 296 Income tax expense $ 1,115 Reclassifications, net of tax 2020 Unrealized gains (losses) on securities available for sale $ 267 Net gains on securities available for sale - Net impairment loss recognized in earnings 267 Total reclassifications before tax 56 Income tax expense $ 211 Reclassifications, net of tax Unrealized gains (losses) on cash flow hedges $ 2,539 Interest expense 533 Income tax expense $ 2,006 Reclassification, net of tax $ (1,795 ) Total reclassifications for the period, net of tax 2019 Unrealized gains (losses) on securities available for sale $ 140 Net gains on securities available for sale - Net impairment loss recognized in earnings 140 Total reclassifications before tax 29 Income tax expense $ 111 Reclassifications, net of tax Unrealized gains (losses) on cash flow hedges $ (425 ) Interest expense (89 ) Income tax expense $ (336 ) Reclassification, net of tax $ 447 Total reclassifications for the period, net of tax

INDEPENDENT BANK CORPORATION (P

INDEPENDENT BANK CORPORATION (PARENT COMPANY ONLY) FINANCIAL INFORMATION	12 Months Ended
	Dec. 31, 2021
INDEPENDENT BANK CORPORATION (PARENT COMPANY ONLY) FINANCIAL INFORMATION [Abstract]
INDEPENDENT BANK CORPORATION (PARENT COMPANY ONLY) FINANCIAL INFORMATION	NOTE 24 – INDEPENDENT BANK CORPORATION (PARENT COMPANY ONLY) FINANCIAL INFORMATION Presented below are condensed financial statements for our parent company. CONDENSED STATEMENTS OF FINANCIAL CONDITION December 31, 2021 2020 (In thousands) ASSETS Cash and due from banks $ 6,093 $ 10,466 Interest bearing deposits - time 40,000 40,000 Investment in subsidiaries 432,949 418,465 Accrued income and other assets 96 805 Total Assets $ 479,138 $ 469,736 LIABILITIES AND SHAREHOLDERS’ EQUITY Subordinated debt $ 39,357 $ 39,281 Subordinated debentures 39,592 39,524 Accrued expenses and other liabilities 844 684 Shareholders’ equity 399,345 390,247 Total Liabilities and Shareholders’ Equity $ 479,138 $ 469,736 CONDENSED STATEMENTS OF OPERATIONS Year Ended December 31, 2021 2020 2019 (In thousands) OPERATING INCOME Dividends from subsidiary $ 32,000 $ 24,000 $ 29,000 Interest income 55 99 230 Other income 33 42 61 Total Operating Income 32,088 24,141 29,291 OPERATING EXPENSES Interest expense 3,625 2,893 2,104 Administrative and other expenses 787 733 655 Total Operating Expenses 4,412 3,626 2,759 Income Before Income Tax and Equity in Undistributed Net Income of Subsidiaries 27,676 20,515 26,532 Income tax benefit (1,048 ) (937 ) (423 ) Income Before Equity in Undistributed Net Income of Subsidiaries 28,724 21,452 26,955 Equity in undistributed net income of subsidiaries 34,171 34,700 19,480 Net Income $ 62,895 $ 56,152 $ 46,435 CONDENSED STATEMENTS OF CASH FLOWS Year Ended December 31, 2021 2020 2019 (In thousands) Net Income $ 62,895 $ 56,152 $ 46,435 ADJUSTMENTS TO RECONCILE NET INCOME TO NET CASH FROM OPERATING ACTIVITIES Deferred income tax (benefit) expense (81 ) (34 ) 1,503 Share based compensation 95 89 65 Accretion of discount on subordinated debt and debentures 144 113 68 (Increase) decrease in accrued income and other assets 788 (307 ) 891 Increase in accrued expenses and other liabilities 159 109 45 Equity in undistributed net income of subsidiaries (34,171 ) (34,700 ) (19,480 ) Total Adjustments (33,066 ) (34,730 ) (16,908 ) Net Cash From Operating Activities 29,829 21,422 29,527 CASH FLOW FROM (USED IN) INVESTING ACTIVITIES Purchases of interest bearing deposits - time (160,000 ) (85,000 ) (20,000 ) Maturity of interest bearing deposits - time 160,000 55,000 35,000 Net Cash From (Used In) Investing Activities - (30,000 ) 15,000 CASH FLOW FROM (USED IN) FINANCING ACTIVITIES Proceeds from issuance of subordinated debt, net of issuance costs - 39,236 - Dividends paid (18,155 ) (17,618 ) (16,554 ) Proceeds from issuance of common stock 1,913 1,907 2,074 Share based compensation withholding obligation (691 ) (755 ) (882 ) Repurchase of common stock (17,269 ) (14,231 ) (26,284 ) Net Cash From (Used In) Financing Activities (34,202 ) 8,539 (41,646 ) Net Increase (Decrease) in Cash and Cash Equivalents (4,373 ) (39 ) 2,881 Cash and Cash Equivalents at Beginning of Year 10,466 10,505 7,624 Cash and Cash Equivalents at End of Year $ 6,093 $ 10,466 $ 10,505

REVENUE FROM CONTRACTS WITH CUS

REVENUE FROM CONTRACTS WITH CUSTOMERS	12 Months Ended
	Dec. 31, 2021
REVENUE FROM CONTRACTS WITH CUSTOMERS [Abstract]
REVENUE FROM CONTRACTS WITH CUSTOMERS	NOTE 25 – REVENUE FROM CONTRACTS WITH CUSTOMERS We account for revenue in accordance with ASC Topic 606, Revenue from Contracts with Customers. We derive the majority of our revenue from financial instruments and their related contractual rights and obligations which for the most part are excluded from the scope of this topic. These sources of revenue that are excluded from the scope of this topic include interest income, net gains on mortgage loans, net gains on securities available for sale, mortgage loan servicing, net and bank owned life insurance and were approximately and 84.9% of total revenues at December 31, 2021, 2020 and 2019, respectively. Material sources of revenue that are included in the scope of ASC Topic 606 include service charges on deposits, other deposit related income, interchange income and investment and insurance commissions and are discussed in the following paragraphs. Generally these sources of revenue are earned at the time the service is delivered or over the course of a monthly period and do not result in any contract asset or liability balance at any given period end. As a result, there were no contract assets or liabilities recorded as of December 31, 2021. Service charges on deposit accounts and other deposit related income : Revenues are earned on depository accounts for commercial and retail customers and include fees for transaction-based, account maintenance and overdraft services. Transaction-based fees, which includes services such as ATM use fees, stop payment charges and Interchange income: Investment and insurance commissions: Net gains on other real estate and repossessed assets Disaggregation of our revenue sources by attribute for the years ended December 31 follow: 2021 Service Charges on Deposit Accounts Other Deposit Related Income Interchange Income Investment and Insurance Commissions Total (In thousands) Retail Overdraft fees $ 8,431 $ - $ - $ - $ 8,431 Account service charges 1,130 - - - 1,130 ATM fees - 1,109 - - 1,109 Other - 819 - - 819 Business Overdraft fees 609 - - - 609 ATM fees - 24 - - 24 Other - 328 - - 328 Interchange income - - 14,045 - 14,045 Asset management revenue - - - 1,689 1,689 Transaction based revenue - - - 914 914 Total $ 10,170 $ 2,280 $ 14,045 $ 2,603 $ 29,098 Reconciliation to Consolidated Statement of Operations: Non-interest income - other: Other deposit related income $ 2,280 Investment and insurance commissions 2,603 Bank owned life insurance 567 Other 3,942 Total $ 9,392 2020 Service Charges on Deposit Accounts Other Deposit Related Income Interchange Income Investment and Insurance Commissions Total (In thousands) Retail Overdraft fees $ 5,627 $ - $ - $ - $ 5,627 Account service charges 2,017 - - - 2,017 ATM fees - 1,173 - - 1,173 Other - 769 - - 769 Business Overdraft fees 873 - - - 873 ATM fees - 24 - - 24 Other - 342 - - 342 Interchange income - - 11,230 - 11,230 Asset management revenue - - - 1,283 1,283 Transaction based revenue - - - 688 688 Total $ 8,517 $ 2,308 $ 11,230 $ 1,971 $ 24,026 Reconciliation to Consolidated Statement of Operations: Non-interest income - other: Other deposit related income $ 2,308 Investment and insurance commissions 1,971 Bank owned life insurance 910 Other 2,332 Total $ 7,521 2019 Service Charges on Deposit Accounts Other Deposit Related Income Interchange Income Investment and Insurance Commissions Total (In thousands) Retail Overdraft fees $ 7,590 $ - $ - $ - $ 7,590 Account service charges 2,103 - - - 2,103 ATM fees - 1,368 - - 1,368 Other - 965 - - 965 Business Overdraft fees 1,515 - - - 1,515 ATM fees - 35 - - 35 Other - 422 - - 422 Interchange income - - 10,297 - 10,297 Asset management revenue - - - 1,123 1,123 Transaction based revenue - - - 535 535 Total $ 11,208 $ 2,790 $ 10,297 $ 1,658 $ 25,953 Reconciliation to Consolidated Statement of Operations: Non-interest income - other: Other deposit related income $ 2,790 Investment and insurance commissions 1,658 Bank owned life insurance 1,111 Other 3,723 Total $ 9,282

ACCOUNTING POLICIES (Policies)

ACCOUNTING POLICIES (Policies)	12 Months Ended
	Dec. 31, 2021
ACCOUNTING POLICIES [Abstract]
PRINCIPLES OF CONSOLIDATION	PRINCIPLES OF CONSOLIDATION
STATEMENTS OF CASH FLOWS	STATEMENTS OF CASH FLOWS
INTEREST BEARING DEPOSITS	INTEREST BEARING DEPOSITS
LOANS HELD FOR SALE	LOANS HELD FOR SALE Certain portfolio loans were reclassified to held for sale as of December 31, 2021, were carried at the lower of cost or fair value on an aggregate loan basis and were sold during the first quarter of 2022.
OPERATING SEGMENTS	OPERATING SEGMENTS
CAPITALIZED MORTGAGE LOAN SERVICING RIGHTS	CAPITALIZED MORTGAGE LOAN SERVICING RIGHTS Mortgage loan servicing income is recorded for fees earned for servicing loans previously sold. The fees are generally based on a contractual percentage of the outstanding principal and are recorded as income when earned. Mortgage loan servicing fees, excluding fair value changes of capitalized mortgage loan servicing rights, totaled $7.9 million, $6.9 million and $6.2 million for the years ended December 31, 2021, 2020 and 2019, respectively. Late fees and ancillary fees related to loan servicing are not material.
TRANSFERS OF FINANCIAL ASSETS	TRANSFERS OF FINANCIAL ASSETS
SECURITIES	SECURITIES Securities available for sale in unrealized loss positions are evaluated quarterly for impairment related to credit losses. For securities available for sale in an unrealized loss position, we first assess whether we intend to sell, or it is more likely than not that we will be required to sell the security before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the security’s amortized cost basis is written down to fair value through income. For securities available for sale that do not meet this criteria, we evaluate whether the decline in fair value has resulted from credit losses or other factors. In making this assessment, we consider the extent to which fair value is less than amortized cost, adverse conditions specifically related to the security and the issuer and the impact of changes in market interest rates on the market value of the security, among other factors. If this assessment indicates that a credit loss exists, we compare the present value of cash flows expected to be collected from the security with the amortized cost basis of the security. If the present value of cash flows expected to be collected is less than the amortized cost basis for the security, a credit loss exists and an ACL is recorded, limited to the amount that the fair value of the security is less than its amortized cost basis. Any impairment that has not been recorded through an ACL is recognized in other comprehensive income (loss), net of applicable taxes. Gains and losses realized on the sale of securities available for sale are determined using the specific identification method and are recognized on a trade-date basis.
FEDERAL HOME LOAN BANK ("FHLB") STOCK	FEDERAL HOME LOAN BANK (‘‘FHLB’’) STOCK
FEDERAL RESERVE BANK ("FRB") STOCK	FEDERAL RESERVE BANK (‘‘FRB’’) STOCK
LOAN REVENUE RECOGNITION	LOAN REVENUE RECOGNITION Certain loan fees and direct loan origination costs are deferred and recognized as an adjustment of yield generally over the contractual life of the related loan. Fees received in connection with loan commitments are deferred until the loan is advanced and are then recognized generally over the contractual life of the loan as an adjustment of yield. Fees on commitments that expire unused are recognized at expiration. Fees received for letters of credit are recognized as revenue over the life of the commitment.
ALLOWANCE FOR CREDIT LOSSES ("ACL")	ALLOWANCE FOR CREDIT LOSSES (“ACL”) — Our loan portfolio is disaggregated into segments for purposes of determining the ACL which include commercial, mortgage and installment loans. These segments are further disaggregated into classes for purposes of monitoring and assessing credit quality based on certain risk characteristics. Classes within the commercial loan segment include (i) commercial and industrial and (ii) commercial real estate. Classes within the mortgage loan segment include (i) 1-4 family owner occupied - jumbo, (ii) 1-4 family owner occupied - non-jumbo, (iii) 1-4 family non-owner occupied (iv) 1-4 family - 2nd lien and (v) resort lending. Classes within the installment loan segment include (i) boat lending, (ii) recreational vehicle lending, and (iii) other. Commercial loans are subject to adverse market conditions which may impact the borrower’s ability to make repayment on the loan or could cause a decline in the value of the collateral that secures the loan. Mortgage and installment loans are subject to adverse employment conditions in the local economy which could increase default rates. In addition, mortgage loans and real estate based installment loans are subject to adverse market conditions which could cause a decline in the value of collateral that secures the loan. For an analysis of the ACL by portfolio segment and credit quality information by class, see note #4. We estimate the ACL based on relevant available information from both internal and external sources, including historical loss trends, current conditions and forecasts, specific analysis of individual loans, and other relevant and appropriate factors. The allowance process is designed to provide for expected future losses based on our reasonable and supportable (“R&S”) forecast as of the reporting date. Our ACL process is administered by our Risk Management group utilizing a third party software solution, with significant input and ultimate approval from our Executive Enterprise Risk Committee. Further, we have established a current expected credit loss (“CECL”) Forecast Committee, which includes a cross discipline structure with membership from Executive Management, Risk Management, and Accounting, which approves ACL model assumptions each quarter. Our ACL is comprised of three principal elements: (i) specific analysis of individual loans identified during the review of the loan portfolio, (ii) pooled analysis of loans with similar risk characteristics based on historical experience, adjusted for current conditions, R&S forecasts, and expected prepayments, and (iii) additional allowances based on subjective factors, including local and general economic business factors and trends, portfolio concentrations and changes in the size and/or the general terms of the loan portfolio. The first ACL element (specific allocations) includes loans that do not share similar risk characteristics and are evaluated on an individual basis. We will typically evaluate on an individual basis loans that are on nonaccrual; commercial loans that have been modified resulting in a concession, for which the borrower is experiencing financial difficulties, and which are considered troubled debt restructurings (“TDR”); and severely delinquent mortgage and installment loans. A loan can be removed from TDR status if it is subsequently restructured, the borrower is no longer experiencing financial difficulties, and the newly restructured agreement does not contain any concessions to the borrower. The new agreement must specify market terms, including a contractual interest rate not less than a market interest rate for a new loan with similar credit risk characteristics, and other terms no less favorable to us than those we would offer for a similar new loan. For loans that we evaluate on an individual basis and we determine that foreclosure is probable or when repayment is expected to be provided substantially through the operation or sale of underlying collateral, expected credit losses are based on the fair value of the collateral at the reporting date, adjusted for estimated selling costs. For loans evaluated on an individual basis that are not determined to be collateral dependent, a discounted cash flow analysis is performed to determine expected credit losses. The second ACL element (pooled analysis) includes loans with similar risk characteristics, which are broken down by segment, class, and risk metric. The Bank’s primary segments of commercial, mortgage, and installment loans are further classified by other relevant attributes, such as collateral type, lien position, occupancy status, amortization method, and balance size. Commercial classes are additionally segmented by risk rating, and mortgage and installment loan classes by credit score tier, which are updated at least semi-annually. We utilize a discounted cash flow (“DCF”) model to estimate expected future losses for pooled loans. Expected future cash flows are developed from payment schedules over the contractual term, adjusted for forecasted default (probability of default), loss, and prepayment assumptions. We are not required to develop forecasts over the full contractual term of the financial asset or group of financial assets. Rather, for periods beyond which we are able to make or obtain R&S forecasts of expected credit losses, we revert to the long term average on a straight line or immediate basis, as determined by our CECL Forecast Committee, and which may vary depending on the economic outlook and uncertainty. The DCF model for the mortgage and installment pooled loan segments includes using probability of default (“PD”) assumptions that are derived through regression analysis with forecasted US unemployment levels by credit score tier. We review a composite forecast of approximately 50 analysts as well as the Federal Open Market Committee (“FOMC”) projections in setting the unemployment forecast for the R&S period. The current ACL utilizes a one year R&S forecast followed by immediate reversion to the 30 year average unemployment rate. PD assumptions for the remaining segments are based primarily on historical rates by risk metric as defaults were not strongly correlated with any economic indicator. Loss given default (“LGD”) assumptions for the mortgage loan segment are based on a two year forecast followed by a two year straight line reversion period to the longer term average, while LGD rates for the remaining segments are the historical average for the entire period. Prepayment assumptions represent average rates per segment for a period determined by the CECL Forecast Committee and as calculated through the Bank’s Asset and Liability Management program. Pooled reserves for the commercial loan segment are calculated using the DCF model with assumptions generally based on historical averages by class and risk rating. Effective risk rating practices allow for strong predictability of defaults and losses over the portfolio’s expected shorter duration, relative to mortgage and installment loans. Our rating system is similar to those employed by state and federal banking regulators. The third ACL element (additional allocations based on subjective factors) is based on factors that cannot be associated with a specific credit or loan category and reflects our attempt to ensure that the overall ACL appropriately reflects a margin for the imprecision necessarily inherent in the estimates of expected credit losses. We adjust our quantitative model for certain qualitative factors to reflect the extent to which management expects current conditions and R&S forecasts to differ from the conditions that existed for the period over which historical information was evaluated. The qualitative framework reflects changes related to relevant data, such as changes in asset quality trends, portfolio growth and composition, national and local economic factors, credit policy and administration and other factors not considered in the base quantitative model. We utilize a survey completed by business unit management throughout the Bank, as well as discussion with the CECL Forecast Committee to establish reserves under the qualitative framework. The current period’s ACL further recognizes inherent risk related to the ongoing COVID-19 pandemic; specifically to commercial loans in high risk industries and mortgage and installment borrowers with occupations in those high risk industries. Identified high risk industries include: food service, hospitality, entertainment, retail, investment real estate, assisted living, and non-owner occupied office. Prior to January 1, 2021, the calculation of the allowance was based on the probable incurred loss methodology. Increases in the ACL are recorded by a provision for credit losses charged to expense. Although we periodically allocate portions of the ACL to specific loans and loan portfolios, the entire ACL is available for losses. We generally charge-off commercial, homogenous residential mortgage and installment loans when they are deemed uncollectible or reach a predetermined number of days past due based on loan product, industry practice and other factors. Collection efforts may continue and recoveries may occur after a loan is charged against the ACL. While we use relevant information to recognize losses on loans, additional provisions for related losses may be necessary based on changes in economic conditions, customer circumstances and other credit risk factors. Section 4013 of the Coronavirus Aid, Relief, and Economic Security (“CARES Act”) provides temporary relief from the accounting and reporting requirements for troubled debt restructurings (“TDR”) regarding certain loan modifications for our customers. Section 4013 specified that COVID-19 related modifications on loans that were current as of December 31, 2019 are not TDRs. The provisions of Section 4013 were extended to the earlier of 60 days after the termination of the national emergency that was previously declared on March 13, 2020 or January 1, 2022 by the Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act which was signed into law on December 27, 2020. Loans not covered under these provisions, which have been modified resulting in a concession, and which the borrower is experiencing financial difficulties, are considered to be TDRs. We measure our investment in a TDR loan using one of three methods: the loan’s observable market price, the fair value of the collateral or the present value of expected future cash flows discounted at the loan’s effective interest rate. Large groups of smaller balance homogeneous loans, such as those loans included in each installment and mortgage loan class, are collectively evaluated and accordingly, they are not separately identified for disclosure. TDR loans are measured at the present value of estimated future cash flows using the loan’s effective interest rate at inception of the loan. If a TDR is considered to be a collateral dependent loan, the loan is reported net, at the fair value of collateral. A loan can be removed from TDR status if it is subsequently restructured and the borrower is no longer experiencing financial difficulties and the newly restructured agreement does not contain any concessions to the borrower. The new agreement must specify market terms, including a contractual interest rate not less than a market interest rate for a new loan with similar credit risk characteristics, and other terms no less favorable to us than those we would offer for a similar new loan.
PROPERTY AND EQUIPMENT	PROPERTY AND EQUIPMENT
BANK OWNED LIFE INSURANCE	BANK OWNED LIFE INSURANCE
OTHER REAL ESTATE AND REPOSSESSED ASSETS	OTHER REAL ESTATE AND REPOSSESSED ASSETS
OTHER INTANGIBLES	OTHER INTANGIBLES
GOODWILL	GOODWILL
INCOME TAXES	INCOME TAXES A tax position is recognized as a benefit only if it is ‘‘more likely than not’’ that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized on examination. We recognize interest and/or penalties related to income tax matters in income tax expense in the Consolidated Statements of Operations. We file a consolidated federal income tax return. Intercompany tax liabilities are settled as if each subsidiary filed a separate return.
COMMITMENTS TO EXTEND CREDIT AND RELATED FINANCIAL INSTRUMENTS	COMMITMENTS TO EXTEND CREDIT AND RELATED FINANCIAL INSTRUMENTS
DERIVATIVE FINANCIAL INSTRUMENTS	DERIVATIVE FINANCIAL INSTRUMENTS At the inception of the derivative we designate the derivative as one of three types based on our intention and belief as to likely effectiveness as a hedge. These three types are (1) a hedge of the fair value of a recognized asset or liability or of an unrecognized firm commitment (‘‘Fair Value Hedge’’), (2) a hedge of a forecasted transaction or the variability of cash flows to be received or paid related to a recognized asset or liability (‘‘Cash Flow Hedge’’), or (3) an instrument with no hedging designation. For a Fair Value Hedge, the gain or loss on the derivative, as well as the offsetting loss or gain on the hedged item, are recognized in interest income in our Consolidated Statements of Operations. For a Cash Flow Hedge, the gain or loss on the derivative is reported in other comprehensive income (loss) and is reclassified into earnings in the same periods during which the hedged transaction affects earnings. For instruments with no hedging designation, the gain or loss on the derivative is reported in earnings. These free standing instruments currently consist of (i) mortgage banking related derivatives and include rate-lock loan commitments to fund mortgage loans (interest rate locks) to be sold into the secondary market and mandatory forward commitments for the future delivery of these mortgage loans, (ii) certain pay-fixed and pay-variable interest rate swap agreements related to commercial loan customers, (iii) certain purchased and written options related to a time deposit product and (iv) swaption agreement related to certain construction loans held for sale. The fair value of rate-lock mortgage loan commitments is based on agency cash window loan pricing for comparable assets and the fair value of mandatory commitments to sell mortgage loans is based on mortgage backed security pricing for comparable assets. We enter into mandatory forward commitments for the future delivery of mortgage loans generally when interest rate locks are entered into in order to hedge the change in interest rates resulting from our commitments to fund the loans. Changes in the fair values of these derivatives are included in net gains on mortgage loans in the Consolidated Statements of Operations. Fair values of the pay-fixed and pay-variable interest rate swap agreements are derived from proprietary models which utilize current market data and are included in net interest income in the Consolidated Statements of Operations. Fair values of the purchased and written options are based on prices of financial instruments with similar characteristics and are included in net interest income in the Consolidated Statements of Operations. Fair values of swaption agreements are derived from proprietary models which utilize current market data and are included in net gains on mortgage loans in the Consolidated Statements of Operations. Net cash settlements on derivatives that qualify for hedge accounting are recorded in interest expense in the Consolidated Statements of Operations. Net cash settlements on derivatives that do not qualify for hedge accounting are reported in non-interest income (mortgage banking related derivatives) or net interest income (interest rate swap agreements and options) in the Consolidated Statements of Operations. Cash flows on hedges are classified in the cash flow statement the same as the cash flows of the items being hedged. We formally document the relationship between derivatives and hedged items, as well as the risk- management objective and the strategy for undertaking hedge transactions, at the inception of the hedging relationship. This documentation includes linking Fair Value or Cash Flow Hedges to specific assets and liabilities on the Consolidated Statements of Financial Condition or to specific firm commitments or forecasted transactions. We discontinue hedge accounting when it is determined that the derivative is no longer effective in offsetting changes in the fair value or cash flows of the hedged item, the derivative is settled or terminates, a hedged forecasted transaction is no longer probable, a hedged firm commitment is no longer firm, or treatment of the derivative as a hedge is no longer appropriate or intended. When hedge accounting is discontinued, subsequent changes in fair value of the derivative are recorded in earnings. When a Fair Value Hedge is discontinued, the hedged asset or liability is no longer adjusted for changes in fair value and the existing basis adjustment is amortized or accreted over the remaining life of the asset or liability. When a Cash Flow Hedge is discontinued but the hedged cash flows or forecasted transactions are still expected to occur, gains or losses that were accumulated in other comprehensive income (loss) are amortized into earnings over the same periods which the hedged transactions will affect earnings.
COMPREHENSIVE INCOME	COMPREHENSIVE INCOME
NET INCOME PER COMMON SHARE	NET INCOME PER COMMON SHARE
SHARE BASED COMPENSATION	SHARE BASED COMPENSATION
COMMON STOCK	COMMON STOCK
RECLASSIFICATION	RECLASSIFICATION
ADOPTION OF NEW ACCOUNTING STANDARDS	ADOPTION OF NEW ACCOUNTING STANDARDS — In June 2016, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2016-13, Instruments — Credit Losses (Topic 326), Measurement of Credit Losses on Financial . This ASU significantly changes how entities will measure credit losses for most financial assets and certain other instruments that are not measured at fair value through net income. This ASU: • Replaces the existing incurred loss impairment guidance and establishes a single allowance framework for financial assets carried at amortized cost, which will reflect our estimate of credit losses over the full remaining expected life of the financial assets and will consider expected future changes in macroeconomic conditions. • Eliminates existing guidance for purchase credit impaired loans, and requires recognition of the nonaccretable difference as an increase to the allowance for expected credit losses on financial assets purchased with more than insignificant credit deterioration since origination, which will be offset by an increase in the recorded investment of the related loans. • Requires inclusion of expected recoveries, limited to the cumulative amount of prior write-offs, when estimating the ACL for in scope financial assets (including collateral dependent assets). • Amends existing impairment guidance for securities available for sale to incorporate an allowance, which will allow for reversals of credit impairments in the event that the credit of an issuer improves. Credit losses on securities available for sale are limited to the amount of the decline in fair value regardless of what the credit loss model would show for impairment. • Generally requires a cumulative-effect adjustment to retained earnings as of the beginning of the reporting period of adoption. We were originally required to adopt this ASU on January 1, 2020 but section 4014 of the CARES Act allowed for temporary relief from applying this ASU. Under the amended CARES Act we were allowed to delay the adoption of this ASU until the earlier of the termination of the national emergency that was declared on March 13, 2020, or January 1, 2022. Early adoption was also allowed on either January or January As such, we chose to delay the adoption of this ASU during and adopted this ASU on January Results for the reporting periods after January are presented under this new ASU while prior period amounts continue to be reported in accordance with previously applicable accounting guidance. We adopted this ASU using the modified retrospective method for all financial assets measured at amortized cost and unfunded lending commitments. As of January we increased the ACL by which was primarily driven by the longer contractual maturities of our mortgage and installment loan portfolio segments. In addition, we increased the allowance for losses related to unfunded loan commitments by . As of January we recorded a cumulative-effect adjustment, net of tax, of to decrease retained earnings. Based on our evaluation of securities available for sale, we did not record an ACL on these securities under this ASU. We adopted this ASU using the prospective transition approach for financial assets purchased with credit deterioration (“PCD”) that were previously classified as PCI and accounted for under accounting standards codification (“ASC”) - In accordance with this ASU, we did not reassess whether PCI assets met the definition of PCD assets as of the date of adoption. On January the amortized cost basis of the PCD assets were adjusted to reflect the addition of to the ACL for loans. The remaining noncredit discount in the amount of (based on the adjusted amortized cost basis) will be accreted into interest income at the effective interest rate as of January The impact of the adoption of this ASU follows: As Reported Under ASU - Pre-ASU - Adoption Impact of ASU - (In thousands) Assets Loans Commercial $ 1,242,510 $ 1,242,415 $ 95 Mortgage 1,015,944 1,015,926 18 Installment 475,358 475,337 21 Total loans 2,733,812 2,733,678 134 Allowance for credit losses (47,137 ) (35,429 ) (11,708 ) Net loans $ 2,686,675 $ 2,698,249 $ (11,574 ) Deferred tax assets $ 3,015 $ 275 $ 2,740 Total Assets $ 4,195,179 $ 4,204,013 $ (8,834 ) Liabilities and shareholders’ equity Allowance for credit losses on unfunded lending commitments $ 3,274 $ 1,805 $ 1,469 Total liabilities $ 3,815,960 $ 3,814,491 $ 1,469 Retained earnings $ 29,842 $ 40,145 $ (10,303 ) Total shareholders’ equity $ 379,219 $ 389,522 $ (10,303 ) Total liabilities and shareholders’ equity $ 4,195,179 $ 4,204,013 $ (8,834 ) (1) Included in Accrued income and other assets in our Consolidated Statements of Financial Condition. (2) Included in Accrued expenses and other liabilities in our Consolidated Statements of Financial Condition. In March 2020, the FASB issued ASU 2020-04, ‘‘Reference Rate Reform (Topic 848), Facilitation of the Effects of Reference Rate Reform on Financial Reporting’’. This new ASU provides temporary optional expedients and exceptions to GAAP guidance on contract modifications and hedge accounting to ease the financial reporting burdens of the expected market transition from LIBOR and other interbank offered rates to alternative reference rates. Entities can elect not to apply certain modification accounting requirements to contracts affected by reference rate reform, if certain criteria are met. Entities that make such elections would not have to remeasure contracts at the modification date or reassess a previous accounting determination. Entities can elect various optional expedients that would allow them to continue applying hedge accounting for hedging relationships affected by reference rate reform, if certain criteria are met. We have formed a cross-functional project team to lead this transition from LIBOR to a planned adoption of reference rates which could include Secured Overnight Financing Rate (“SOFR”), amongst others. We are utilizing the timeline guidance published by the Alternative Reference Rates Committee to develop and achieve internal milestones during this transitional period. We have discontinued the use of new LIBOR-based loans and interest rate derivatives as of December 31, 2021, according to regulatory guidelines. The amended guidance under Topic 848 and our ability to elect its temporary optional expedients and exceptions are effective for us through December 31, 2022. We expect to adopt the LIBOR transition relief allowed under this standard.

ACCOUNTING POLICIES (Tables)

ACCOUNTING POLICIES (Tables)	12 Months Ended
	Dec. 31, 2021
ACCOUNTING POLICIES [Abstract]
Impact of Adoption of this ASU	The impact of the adoption of this ASU follows: As Reported Under ASU - Pre-ASU - Adoption Impact of ASU - (In thousands) Assets Loans Commercial $ 1,242,510 $ 1,242,415 $ 95 Mortgage 1,015,944 1,015,926 18 Installment 475,358 475,337 21 Total loans 2,733,812 2,733,678 134 Allowance for credit losses (47,137 ) (35,429 ) (11,708 ) Net loans $ 2,686,675 $ 2,698,249 $ (11,574 ) Deferred tax assets $ 3,015 $ 275 $ 2,740 Total Assets $ 4,195,179 $ 4,204,013 $ (8,834 ) Liabilities and shareholders’ equity Allowance for credit losses on unfunded lending commitments $ 3,274 $ 1,805 $ 1,469 Total liabilities $ 3,815,960 $ 3,814,491 $ 1,469 Retained earnings $ 29,842 $ 40,145 $ (10,303 ) Total shareholders’ equity $ 379,219 $ 389,522 $ (10,303 ) Total liabilities and shareholders’ equity $ 4,195,179 $ 4,204,013 $ (8,834 ) (1) Included in Accrued income and other assets in our Consolidated Statements of Financial Condition. (2) Included in Accrued expenses and other liabilities in our Consolidated Statements of Financial Condition.

SECURITIES (Tables)

SECURITIES (Tables)	12 Months Ended
	Dec. 31, 2021
SECURITIES [Abstract]
Securities Available for Sale	Securities available for sale consist of the following at December 31: Amortized Unrealized Cost Gains Losses Fair Value (In thousands) 2021 U.S. agency $ 34,634 $ 152 $ 112 $ 34,674 U.S. agency residential mortgage-backed 309,907 1,952 3,874 307,985 U.S. agency commercial mortgage-backed 23,066 84 224 22,926 Private label mortgage-backed 102,480 807 672 102,615 Other asset backed 215,235 1,204 269 216,170 Obligations of states and political subdivisions 568,355 9,942 2,221 576,076 Corporate 148,707 2,446 1,194 149,959 Trust preferred 1,975 - 56 1,919 Foreign government 499 7 - 506 Total $ 1,404,858 $ 16,594 $ 8,622 $ 1,412,830 2020 U.S. agency $ 10,456 $ 305 $ 13 $ 10,748 U.S. agency residential mortgage-backed 340,224 4,951 593 344,582 U.S. agency commercial mortgage-backed 6,869 326 - 7,195 Private label mortgage-backed 41,429 1,539 139 42,829 Other asset backed 252,596 1,796 211 254,181 Obligations of states and political subdivisions 315,780 8,691 178 324,293 Corporate 82,307 3,807 97 86,017 Trust preferred 1,971 - 173 1,798 Foreign government 500 16 - 516 Total $ 1,052,132 $ 21,431 $ 1,404 $ 1,072,159
Investments in a Continuous Unrealized Loss Position	Our investments’ gross unrealized losses and fair values aggregated by investment type and length of time that individual securities have been at a continuous unrealized loss position, at December 31 follows: Less Than Twelve Months Twelve Months or More Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses (In thousands) 2021 U.S. agency $ 11,986 $ 109 $ 1,286 $ 3 $ 13,272 $ 112 U.S. agency residential mortgage-backed 171,398 3,555 19,024 319 190,422 3,874 U.S. agency commercial mortgage-backed 19,900 224 - - 19,900 224 Private label mortgage-backed 64,408 640 2,180 32 66,588 672 Other asset backed 86,581 248 978 21 87,559 269 Obligations of states and political subdivisions 178,484 2,151 7,093 70 185,577 2,221 Corporate 75,166 1,150 1,050 44 76,216 1,194 Trust preferred - - 1,919 56 1,919 56 Total $ 607,923 $ 8,077 $ 33,530 $ 545 $ 641,453 $ 8,622 2020 U.S. agency $ 1,469 $ 3 $ 2,329 $ 10 $ 3,798 $ 13 U.S. agency residential mortgage-backed 96,839 592 83 1 96,922 593 Private label mortgage-backed 11,838 95 2,050 44 13,888 139 Other asset backed 7,142 25 21,197 186 28,339 211 Obligations of states and political subdivisions 28,957 177 800 1 29,757 178 Corporate 1,924 97 - - 1,924 97 Trust preferred - - 1,798 173 1,798 173 Total $ 148,169 $ 989 $ 28,257 $ 415 $ 176,426 $ 1,404
Amortized Cost and Fair Value of Securities Available for Sale by Contractual Maturity	The amortized cost and fair value of securities available for sale at December 31, 2021, by contractual maturity, follow: Amortized Cost Fair Value (In thousands) Maturing within one year $ 13,874 $ 13,991 Maturing after one year but within five years 133,681 134,901 Maturing after five years but within ten years 266,057 266,282 Maturing after ten years 340,558 347,960 754,170 763,134 U.S. agency residential mortgage-backed 309,907 307,985 U.S. agency commercial mortgage-backed 23,066 22,926 Private label mortgage-backed 102,480 102,615 Other asset backed 215,235 216,170 Total $ 1,404,858 $ 1,412,830
Gains and Losses Realized on Sale of Securities Available for Sale	A summary of proceeds from the sale of securities available for sale and gains and losses for the years ended December 31 follow: Realized Proceeds Gains Losses (In thousands) 2021 $ 85,371 $ 1,475 $ 64 2020 38,095 271 4 2019 68,716 248 108

LOANS (Tables)

LOANS (Tables)	12 Months Ended
	Dec. 31, 2021
LOANS [Abstract]
Loan Portfolios	Our loan portfolios at December 31 follow: 2021 2020 (In thousands) Real estate (1) Residential first mortgages $ 870,169 $ 792,762 Residential home equity and other junior mortgages 128,801 138,128 Construction and land development 278,992 232,693 Other (2) 726,224 669,150 Consumer 339,785 468,090 Commercial 555,696 429,011 Agricultural 5,378 3,844 Total loans $ 2,905,045 $ 2,733,678 (1) Includes both residential and non-residential commercial loans secured by real estate. (2) Includes loans secured by multi-family residential and non-farm, non-residential property.
Analysis of ACL by Portfolio Segment	An analysis of the ACL by portfolio segment for the years ended December 31 follows: Commercial Mortgage Installment Subjective Allocation Total (In thousands) 2021 Balance at beginning of period $ 7,401 $ 6,998 $ 1,112 $ 19,918 $ 35,429 Additions (deductions) Impact of adoption of CECL 2,551 12,000 3,052 (6,029 ) 11,574 Provision for credit losses (1,135 ) (266 ) 599 (1,126 ) (1,928 ) Initial allowance on loans purchased with credit deterioration 95 18 21 - 134 Recoveries credited to allowance 2,607 846 1,024 - 4,477 Loans charged against the allowance - (375 ) (2,059 ) - (2,434 ) Balance at end of period $ 11,519 $ 19,221 $ 3,749 $ 12,763 $ 47,252 2020 Balance at beginning of period $ 7,922 $ 8,216 $ 1,283 $ 8,727 $ 26,148 Additions (deductions) Provision for credit losses (1) 1,751 (915 ) 436 11,191 12,463 Recoveries credited to allowance 1,804 513 752 - 3,069 Loans charged against the allowance (4,076 ) (816 ) (1,359 ) - (6,251 ) Balance at end of period $ 7,401 $ 6,998 $ 1,112 $ 19,918 $ 35,429 2019 Balance at beginning of period $ 7,090 $ 7,978 $ 895 $ 8,925 $ 24,888 Additions (deductions) Provision for credit losses (1) (651 ) 526 1,147 (198 ) 824 Recoveries credited to allowance 2,165 933 863 - 3,961 Loans charged against the allowance (682 ) (1,221 ) (1,622 ) - (3,525 ) Balance at end of period $ 7,922 $ 8,216 $ 1,283 $ 8,727 $ 26,148 (1) Beginning January 1, 2021, calculation is based on CECL methodology. Prior to January 1, 2021, calculation was based on the probable incurred loss methodology. The allocation of the ACL by portfolio segment at December 31 follows: 2021 2020 Allowance for Credit Losses Amount Percent of Loans to Total Portfolio Loans Allowance for Credit Losses Amount (1) Percent of Loans to Total Portfolio Loans (Dollars in thousands) Commercial $ 11,519 41.5 % $ 7,401 45.4 % Mortgage 19,221 39.2 6,998 37.2 Installment 3,749 19.3 1,112 17.4 Subjective allocation 12,763 - 19,918 - Total $ 47,252 100.0 % $ 35,429 100.0 % (1) Beginning January 1, 2021, calculation is based on CECL methodology. Prior to January 1, 2021, calculation was based on the probable incurred loss methodology.
ACL and Recorded Investment in Loans by Portfolio Segment	ACL and recorded investment in loans by portfolio segment at December 31, 2020 follows (1): Commercial Mortgage Installment Subjective Allocation Total (In thousands) December 31, 2020 ACL: Individually evaluated for impairment $ 1,266 $ 4,124 $ 191 $ - $ 5,581 Collectively evaluated for impairment 6,135 2,874 921 19,918 29,848 Loans acquired with deteriorated credit quality - - - - - Total ending ACL $ 7,401 $ 6,998 $ 1,112 $ 19,918 $ 35,429 Loans Individually evaluated for impairment $ 9,431 $ 39,245 $ 1,996 $ 50,672 Collectively evaluated for impairment 1,236,052 980,449 474,379 2,690,880 Loans acquired with deteriorated credit quality 468 410 147 1,025 Total loans recorded investment 1,245,951 1,020,104 476,522 2,742,577 Accrued interest included in recorded investment 3,536 4,178 1,185 8,899 Total loans $ 1,242,415 $ 1,015,926 $ 475,337 $ 2,733,678 (1) Beginning January 1, 2021, calculation is based on CECL methodology. Prior to January 1, 2021, calculation was based on the probable incurred loss methodology.
Loans on Non-Accrual Status and Past Due More than 90 Days	Loans on non-accrual status and past due more than 90 days (‘‘Non-performing Loans’’) at December 31 follow: December 31, 2021 Non- Accrual with no Allowance for Credit Loss Non- Accrual with an Allowance for Credit Loss Total Non- Accrual 90+ and Still Accruing Total Non- Performing Loans December 31, 2020 Total Non- Performing Loans (1) (In thousands) Commercial Commercial and industrial (2) $ - $ 15 $ 15 $ - $ 15 $ 1,387 Commercial real estate - - - - - - Mortgage 1-4 family owner occupied - jumbo 607 - 607 - 607 623 1-4 family owner occupied - non-jumbo (3) 137 1,815 1,952 - 1,952 2,281 1-4 family non-owner occupied 275 592 867 - 867 1,112 1-4 family - 2nd lien 182 681 863 - 863 1,344 Resort lending 118 119 237 - 237 607 Installment Boat lending - 210 210 - 210 52 Recreational vehicle lending - 177 177 - 177 74 Other - 182 182 - 182 393 Total $ 1,319 $ 3,791 $ 5,110 $ - $ 5,110 $ 7,873 Accrued interest excluded from total $ - $ - $ - $ - $ - $ - (1) Non-performing loans exclude purchase credit impaired loans. (2) Non-performing commercial and industrial loans exclude $0.047 million and $0.053 million of government guaranteed loans at December 31, 2021 and 2020, respectively. (3) Non-performing 1-4 family owner occupied – non jumbo loans exclude $0.388 million and $0.386 million of government guaranteed loans at December 31, 2021 and 2020, respectively.
Amortized Cost of Collateral-dependent Loans by Class	The amortized cost of collateral-dependent loans by class follows: Collateral Type Allowance Real for Estate Other Credit Losses (In thousands) December 31, 2021 Commercial Commercial and industrial $ 80 $ 245 $ 51 Commercial real estate 84 - 19 Mortgage 1-4 family owner occupied - jumbo 607 - - 1-4 family owner occupied - non-jumbo 940 - 286 1-4 family non-owner occupied 477 - 72 1-4 family - 2nd lien 370 - 67 Resort lending 237 - 42 Installment Boat lending - 80 29 Recreational vehicle lending - 121 44 Other - 70 25 Total $ 2,795 $ 516 $ 635 Accrued interest excluded from total $ - $ 1
Aging Analysis of Loans by Class	An aging analysis of loans by class at December 31 follows: Loans Past Due Loans not Total 30-59 days 60-89 days 90+ days Total Past Due Loans (In thousands) 2021 Commercial Commercial and industrial $ - $ 2 $ 62 $ 64 $ 593,048 $ 593,112 Commercial real estate - - - - 610,469 610,469 Mortgage 1-4 family owner occupied - jumbo - - 607 607 540,416 541,023 1-4 family owner occupied - non-jumbo 774 408 657 1,839 264,571 266,410 1-4 family non-owner occupied 87 26 462 575 194,277 194,852 1-4 family - 2nd lien 422 60 289 771 87,958 88,729 Resort lending - - 237 237 48,408 48,645 Installment Boat lending 438 28 52 518 227,622 228,140 Recreational vehicle lending 377 65 120 562 234,183 234,745 Other 252 57 49 358 98,562 98,920 Total $ 2,350 $ 646 $ 2,535 $ 5,531 $ 2,899,514 $ 2,905,045 Accrued interest excluded from total $ 25 $ 9 $ - $ 34 $ 6,802 $ 6,836 2020 Commercial Commercial and industrial $ 5,003 $ 131 $ 70 $ 5,204 $ 671,115 $ 676,319 Commercial real estate 2,600 - - 2,600 567,032 569,632 Mortgage 1-4 family owner occupied - jumbo 761 - 623 1,384 438,794 440,178 1-4 family owner occupied - non-jumbo 1,888 453 502 2,843 264,730 267,573 1-4 family non-owner occupied 1,184 139 476 1,799 157,977 159,776 1-4 family - 2nd lien 710 228 732 1,670 92,860 94,530 Resort lending 32 195 358 585 57,462 58,047 Installment Boat lending 95 101 - 196 207,317 207,513 Recreational vehicle lending 207 37 48 292 169,282 169,574 Other 337 162 199 698 98,737 99,435 Total recorded investment $ 12,817 $ 1,446 $ 3,008 $ 17,271 $ 2,725,306 $ 2,742,577 Accrued interest included in recorded investment $ 147 $ 22 $ - $ 169 $ 8,730 $ 8,899
Impaired Loans	Impaired loans at December 31, 2020 are as follows (1): 2020 (In thousands) Impaired loans with no allocated ACL TDR $ 93 Non - TDR 1,367 Impaired loans with an allocated ACL TDR - allowance based on collateral 9,027 TDR - allowance based on present value cash flow 37,953 Non - TDR - allowance based on collateral 1,873 Total impaired loans $ 50,313 Amount of ACL allocated (1) TDR - allowance based on collateral $ 1,058 TDR - allowance based on present value cash flow 3,755 Non - TDR - allowance based on collateral 768 Total amount of ACL allocated $ 5,581 (1) Beginning January 1, 2021, calculation is based on CECL methodology. Prior to January 1, 2021, calculation was based on the probable incurred loss methodology. Impaired loans by class as of December 31, 2020 are as follows (1): 2020 Recorded Investment Unpaid Principal Balance Related ACL (1) (In thousands) With no related ACL recorded: Commercial Commercial and industrial $ 77 $ 80 $ - Commercial real estate - - - Mortgage 1-4 family owner occupied - jumbo 623 629 - 1-4 family owner occupied - non-jumbo - - - 1-4 family non-owner occupied 305 473 - 1-4 family - 2nd lien 301 304 - Resort lending 154 379 - Installment Boat lending - - - Recreational vehicle lending - - - Other - - - 1,460 1,865 - With an ACL recorded: Commercial Commercial and industrial 2,227 2,370 756 Commercial real estate 7,127 7,096 510 Mortgage 1-4 family owner occupied - jumbo 506 880 50 1-4 family owner occupied - non-jumbo 21,655 22,311 2,300 1-4 family non-owner occupied 4,335 4,704 495 1-4 family - 2nd lien 811 829 200 Resort lending 10,555 10,764 1,079 Installment Boat lending 7 11 2 Recreational vehicle lending 87 100 19 Other 1,902 2,040 170 49,212 51,105 5,581 Total Commercial Commercial and industrial 2,304 2,450 756 Commercial real estate 7,127 7,096 510 Mortgage 1-4 family owner occupied - jumbo 1,129 1,509 50 1-4 family owner occupied - non-jumbo 21,655 22,311 2,300 1-4 family non-owner occupied 4,640 5,177 495 1-4 family - 2nd lien 1,112 1,133 200 Resort lending 10,709 11,143 1,079 Installment Boat lending 7 11 2 Recreational vehicle lending 87 100 19 Other 1,902 2,040 170 Total $ 50,672 $ 52,970 $ 5,581 Accrued interest included in recorded investment $ 359 (1) Beginning January 1, 2021, calculation is based on CECL methodology. Prior to January 1, 2021, calculation was based on the probable incurred loss methodology.
Average Recorded Investment in and Interest Income Earned on Impaired Loans by Class	Average recorded investment in and interest income earned (of which the majority of these amounts were received in cash and related primarily to performing TDR’s) on impaired loans by class for the years ended December 31, 2020 and 2019 follows (1): 2020 2019 Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized (In thousands) With no related ACL recorded: Commercial Commercial and industrial $ 125 $ 9 $ 51 $ - Commercial real estate 159 - 278 5 Mortgage 1-4 family owner occupied - jumbo 408 - - - 1-4 family owner occupied - non-jumbo 252 4 201 - 1-4 family non-owner occupied 308 10 123 - 1-4 family - 2nd lien 380 - 136 7 Resort lending 92 - - - Installment Boat lending - - - - Recreational vehicle lending - - - - Other - - - 1 1,724 23 789 13 With an a ACL recorded: Commercial Commercial and industrial 2,230 242 2,256 72 Commercial real estate 10,751 1,043 5,778 315 Mortgage 1-4 family owner occupied - jumbo 1,083 84 995 39 1-4 family owner occupied - non-jumbo 19,624 2,033 15,183 594 1-4 family non-owner occupied 4,664 375 2,874 291 1-4 family - 2nd lien 3,376 22 13,383 809 Resort lending 11,316 799 11,697 669 Installment Boat lending 59 1 54 - Recreational vehicle lending 81 4 22 - Other 2,416 225 3,186 189 55,600 4,828 55,428 2,978 Total Commercial Commercial and industrial 2,355 251 2,307 72 Commercial real estate 10,910 1,043 6,056 320 Mortgage 1-4 family owner occupied - jumbo 1,491 84 995 39 1-4 family owner occupied - non-jumbo 19,876 2,037 15,384 594 1-4 family non-owner occupied 4,972 385 2,997 291 1-4 family - 2nd lien 3,756 22 13,519 816 Resort lending 11,408 799 11,697 669 Installment Boat lending 59 1 54 - Recreational vehicle lending 81 4 22 - Other 2,416 225 3,186 190 Total $ 57,324 $ 4,851 $ 56,217 $ 2,991 (1) Beginning January 1, 2021, calculation is based on CECL methodology. Prior to January 1, 2021, calculation was based on the probable incurred loss methodology.
Troubled Debt Restructurings	Troubled debt restructurings at December 31 follow: 2021 Commercial Retail (1) Total (In thousands) Performing TDR’s $ 4,481 $ 31,589 $ 36,070 Non-performing TDR’s (2) - 1,016 (3) 1,016 Total $ 4,481 $ 32,605 $ 37,086 2020 Commercial Retail (1) Total (In thousands) Performing TDR’s $ 7,956 $ 36,385 $ 44,341 Non-performing TDR’s (2) 1,148 1,584 (3) 2,732 Total $ 9,104 $ 37,969 $ 47,073 (1) Retail loans include mortgage and installment loan portfolio segments. (2) Included in non-performing loans table above. (3) Also includes loans on non-accrual at the time of modification until six payments are received on a timely basis.
Troubled Debt Restructuring During the Period	Loans that have been classified as troubled debt restructurings during the years ended December 31 follow (1): Number of Contracts Pre-modification Recorded Balance Post-modification Recorded Balance 2020 Commercial Commercial and industrial 7 $ 1,207 $ 1,207 Commercial real estate 4 7,012 7,012 Mortgage 1-4 family owner occupied - jumbo - - - 1-4 family owner occupied - non-jumbo 5 357 374 1-4 family non-owner occupied 2 111 116 1-4 family - 2nd lien 2 44 46 Resort lending - - - Installment Boat lending - - - Recreational vehicle lending - - - Other 4 91 93 Total 24 $ 8,822 $ 8,848 Number of Contracts Pre-modification Recorded Balance Post-modification Recorded Balance (Dollars in thousands) 2019 Commercial Commercial and industrial 8 $ 1,609 $ 1,609 Commercial real estate 3 1,479 1,479 Mortgage 1-4 family owner occupied - jumbo - - - 1-4 family owner occupied - non-jumbo 2 478 483 1-4 family non-owner occupied 1 507 505 1-4 family - 2nd lien 3 75 75 Resort lending - - - Installment Boat lending - - - Recreational vehicle lending - - - Other 7 188 191 Total 24 $ 4,336 $ 4,342 (1) There were no TDR modifications during the year ended December 31, 2021. The loan modifications during 2020 in the table above did not qualify for relief from TDR accounting under the CARES Act.
Commercial and Retail Loan COVID-19 Accommodations	A summary of COVID-19 accommodations that had been entered into under this guidance as of December 31, 2021 follows: COVID-19 Accomodations Total % of Total Loan Category Amounts (#) Amounts ($) Loans Loans (Dollars in thousands) Commercial - $ - $ 1,203,581 0.0 % Mortgage 22 2,278 1,139,659 0.2 % Installment 1 55 561,805 0.0 % Total 23 $ 2,333 $ 2,905,045 0.1 % Mortgage loans serviced for others(1) 46 $ 5,163 $ 3,323,521 0.2 % 1) We have delegated authority from all investors to grant these deferrals on their behalf. Information on subsequent COVID-19 accommodation extensions for portfolio loans follows (1): Loan Category Amount (#) Amount ($) (Dollars in thousands) Commercial - $ - Mortgage 19 2,194 Installment - - Total 19 $ 2,194 (1) Subsequent accommodations are extensions of the original accommodations that were given as summarized in the paragraph above. 2021 2020 Amount (#) Amount ($) Amount (#) Amount ($) (Dollars in thousands) Closed and outstanding - Round 1 loans 6 $ 197 1,483 $ 169,782 Closed and outstanding - Round 2 loans 180 26,167 - - Total closed and outstanding 186 $ 26,364 1,483 $ 169,782 Unaccreted net fees remaining at period end $ 806 $ 3,216
Loan Ratings by Loan Class	The following table summarizes loan ratings by loan class for our commercial loan portfolio segment at December 31, 2021: Commercial Term Loans Amortized Cost Basis by Origination Year Revolving Loans Amortized 2021 2020 2019 2018 2017 Prior Cost Basis Total (In thousands) December 31, 2021 Commercial and industrial Non-watch (1-6) $ 121,917 $ 69,856 $ 56,984 $ 44,827 $ 38,307 $ 96,261 $ 144,579 $ 572,731 Watch (7-8) 81 - 532 1,294 362 6,274 476 9,019 Substandard Accrual (9) 1,569 2 1,159 247 - 1,530 6,793 11,300 Non-Accrual (10-11) - - - - - 62 - 62 Total $ 123,567 $ 69,858 $ 58,675 $ 46,368 $ 38,669 $ 104,127 $ 151,848 $ 593,112 Accrued interest excluded from total $ 314 $ 153 $ 105 $ 229 $ 90 $ 240 $ 242 $ 1,373 Commercial real estate Non-watch (1-6) $ 123,330 $ 55,479 $ 108,056 $ 75,828 $ 39,123 $ 160,199 $ 31,551 $ 593,566 Watch (7-8) - 324 3,028 7,678 1,708 1,423 - 14,161 Substandard Accrual (9) 441 - - 1,193 1,108 - - 2,742 Non-Accrual (10-11) - - - - - - - - Total $ 123,771 $ 55,803 $ 111,084 $ 84,699 $ 41,939 $ 161,622 $ 31,551 $ 610,469 Accrued interest excluded from total $ 182 $ 81 $ 233 $ 203 $ 94 $ 325 $ 47 $ 1,165 Total Commercial Non-watch (1-6) $ 245,247 $ 125,335 $ 165,040 $ 120,655 $ 77,430 $ 256,460 $ 176,130 $ 1,166,297 Watch (7-8) 81 324 3,560 8,972 2,070 7,697 476 23,180 Substandard Accrual (9) 2,010 2 1,159 1,440 1,108 1,530 6,793 14,042 Non-Accrual (10-11) - - - - - 62 - 62 Total $ 247,338 $ 125,661 $ 169,759 $ 131,067 $ 80,608 $ 265,749 $ 183,399 $ 1,203,581 Accrued interest excluded from total $ 496 $ 234 $ 338 $ 432 $ 184 $ 565 $ 289 $ 2,538 The following table summarizes loan ratings by loan class for our commercial portfolio loan segment at December 31, 2020: Commercial Non-watch 1-6 Watch 7-8 Substandard Accrual 9 Non- Accrual 10-11 Total (In thousands) December 31, 2020 Commercial and industrial $ 637,826 $ 32,765 $ 4,341 $ 1,387 $ 676,319 Commercial real estate 561,382 5,978 2,272 - 569,632 Total $ 1,199,208 $ 38,743 $ 6,613 $ 1,387 $ 1,245,951 Accrued interest included in total $ 3,408 $ 105 $ 23 $ - $ 3,536 For each of our mortgage and installment portfolio segment classes we generally monitor credit quality based on the credit scores of the borrowers. These credit scores are generally updated semi-annually. The following tables summarize credit scores by loan class for our mortgage and installment loan portfolio segments at December : Mortgage Term Loans Amortized Cost Basis by Origination Year Revolving Loans Amortized 2021 2020 2019 2018 2017 Prior Cost Basis Total (In s) December 1 - family owner occupied - jumbo 800 and above $ 31,137 $ 17,652 $ 8,491 $ 2,565 $ 7,516 $ 527 $ - $ 67,888 750 - 135,292 92,590 30,072 7,118 9,469 5,043 2,371 281,955 700 - 67,255 34,665 13,765 4,421 7,748 4,856 - 132,710 650 - 19,367 10,313 5,447 5,285 6,080 690 - 47,182 600 - 2,050 2,638 506 1,013 837 976 - 8,020 550 - - 469 - - 781 - - 1,250 500 - - 1,411 - - - - - 1,411 Under - - - - 607 - - 607 Unknown - - - - - - - - Total $ 255,101 $ 159,738 $ 58,281 $ 20,402 $ 33,038 $ 12,092 $ 2,371 $ 541,023 Accrued interest excluded from total $ 557 $ 370 $ 163 $ 77 $ 87 $ 33 $ 3 $ 1,290 1 - family owner occupied - non-jumbo 800 and above $ 6,185 $ 5,534 $ 3,756 $ 2,514 $ 3,566 $ 4,569 $ 4,026 $ 30,150 750 - 33,227 20,300 9,688 5,664 8,887 12,498 8,341 98,605 700 - 19,317 10,572 4,813 4,035 5,008 21,806 5,637 71,188 650 - 6,593 4,233 3,217 2,010 3,135 12,423 2,812 34,423 600 - 2,119 1,082 1,051 1,549 1,660 8,663 89 16,213 550 - - 295 1,076 758 1,023 5,802 147 9,101 500 - - 57 421 327 510 3,169 18 4,502 Under - 616 284 394 250 684 - 2,228 Unknown - - - - - - - - Total $ 67,441 $ 42,689 $ 24,306 $ 17,251 $ 24,039 $ 69,614 $ 21,070 $ 266,410 Accrued interest excluded from total $ 208 $ 97 $ 84 $ 58 $ 68 $ 226 $ 57 $ 798 1 - family non-owner occupied 800 and above $ 15,406 $ 1,786 $ 2,857 $ 1,459 $ 2,627 $ 5,058 $ 1,639 $ 30,832 750 - 44,201 21,885 10,517 3,667 6,956 10,004 5,117 102,347 700 - 16,486 7,807 2,764 1,878 966 6,095 2,756 38,752 650 - 6,617 3,095 257 299 248 6,019 955 17,490 600 - 125 57 108 282 174 2,051 381 3,178 550 - - 25 - 192 - 1,121 - 1,338 500 - - - - 55 - 638 50 743 Under - - - - - 172 - 172 Unknown - - - - - - - - Total $ 82,835 $ 34,655 $ 16,503 $ 7,832 $ 10,971 $ 31,158 $ 10,898 $ 194,852 Accrued interest excluded from total $ 171 $ 95 $ 46 $ 23 $ 33 $ 107 $ 38 $ 513 1 - family - nd lien 800 and above $ 415 $ 964 $ 426 $ 95 $ 266 $ 353 $ 8,465 $ 10,984 750 - 2,161 2,413 714 1,332 1,859 2,415 30,106 41,000 700 - 1,307 1,049 771 561 1,374 2,365 16,316 23,743 650 - 122 309 460 405 140 1,639 5,286 8,361 600 - - 177 72 106 92 1,143 1,370 2,960 550 - - - 61 - - 476 228 765 500 - - - 99 - 89 190 155 533 Under - - 54 3 60 16 250 383 Unknown - - - - - - - - Total $ 4,005 $ 4,912 $ 2,657 $ 2,502 $ 3,880 $ 8,597 $ 62,176 $ 88,729 Accrued interest excluded from total $ 7 $ 9 $ 9 $ 5 $ 8 $ 34 $ 211 $ 283 Mortgage - continued Term Loans Amortized Cost Basis by Origination Year Revolving Loans Amortized 2021 2020 2019 2018 2017 Prior Cost Basis Total (In s) December Resort lending 800 and above $ - $ - $ - $ 274 $ - $ 7,347 $ - $ 7,621 750 - 600 1,246 250 511 63 19,630 - 22,300 700 - - 174 - 301 67 9,052 - 9,594 650 - 951 - - - - 6,057 - 7,008 600 - - - - - - 1,841 - 1,841 550 - - - - - - 80 - 80 500 - - - - - - 201 - 201 Under - - - - - - - - Unknown - - - - - - - - Total $ 1,551 $ 1,420 $ 250 $ 1,086 $ 130 $ 44,208 $ - $ 48,645 Accrued interest excluded from total $ 2 $ 3 $ - $ 3 $ - $ 106 $ - $ 114 Total Mortgage 800 and above $ 53,143 $ 25,936 $ 15,530 $ 6,907 $ 13,975 $ 17,854 $ 14,130 $ 147,475 750 - 215,481 138,434 51,241 18,292 27,234 49,590 45,935 546,207 700 - 104,365 54,267 22,113 11,196 15,163 44,174 24,709 275,987 650 - 33,650 17,950 9,381 7,999 9,603 26,828 9,053 114,464 600 - 4,294 3,954 1,737 2,950 2,763 14,674 1,840 32,212 550 - - 789 1,137 950 1,804 7,479 375 12,534 500 - - 1,468 520 382 599 4,198 223 7,390 Under - 616 338 397 917 872 250 3,390 Unknown - - - - - - - - Total $ 410,933 $ 243,414 $ 101,997 $ 49,073 $ 72,058 $ 165,669 $ 96,515 $ 1,139,659 Accrued interest excluded from total $ 945 $ 574 $ 302 $ 166 $ 196 $ 506 $ 309 $ 2,998 (1) Credit scores have been updated within the last months. Installment Term Loans Amortized Cost Basis by Origination Year 2021 2020 2019 2018 2017 Prior Total (In s) December Boat lending 800 and above $ 7,513 $ 5,786 $ 6,015 $ 4,906 $ 2,968 $ 4,433 $ 31,621 750 - 47,434 24,968 21,052 15,681 9,797 10,971 129,903 700 - 19,180 9,724 8,263 6,467 3,109 4,953 51,696 650 - 3,845 1,679 2,301 1,223 1,166 1,378 11,592 600 - 373 419 209 327 185 604 2,117 550 - 237 81 91 113 115 191 828 500 - - 49 - 85 - 67 201 Under - - - 10 168 4 182 Unknown - - - - - - - Total $ 78,582 $ 42,706 $ 37,931 $ 28,812 $ 17,508 $ 22,601 $ 228,140 Accrued interest excluded from total $ 169 $ 102 $ 106 $ 69 $ 44 $ 47 $ 537 Recreational vehicle lending 800 and above $ 8,475 $ 5,121 $ 5,837 $ 4,627 $ 2,456 $ 3,594 $ 30,110 750 - 66,834 22,707 17,173 11,973 5,281 6,794 130,762 700 - 32,702 9,500 6,169 3,768 1,657 2,343 56,139 650 - 7,390 2,423 1,842 948 649 905 14,157 600 - 990 408 291 333 152 111 2,285 550 - 271 100 163 318 6 72 930 500 - 39 21 105 62 26 91 344 Under - - 11 - - 7 18 Unknown - - - - - - - Total $ 116,701 $ 40,280 $ 31,591 $ 22,029 $ 10,227 $ 13,917 $ 234,745 Accrued interest excluded from total $ 265 $ 93 $ 78 $ 56 $ 26 $ 28 $ 546 Other 800 and above $ 2,328 $ 1,424 $ 1,493 $ 882 $ 357 $ 695 $ 7,179 750 - 13,923 9,093 6,074 3,175 2,183 2,731 37,179 700 - 10,791 5,426 3,301 1,899 906 2,194 24,517 650 - 20,167 1,715 1,249 657 561 1,332 25,681 600 - 761 368 272 190 284 357 2,232 550 - 159 42 127 167 46 154 695 500 - 8 53 56 55 38 98 308 Under 6 62 42 14 12 18 154 Unknown 975 - - - - - 975 Total $ 49,118 $ 18,183 $ 12,614 $ 7,039 $ 4,387 $ 7,579 $ 98,920 Accrued interest excluded from total $ 73 $ 40 $ 36 $ 19 $ 11 $ 38 $ 217 Total installment 800 and above $ 18,316 $ 12,331 $ 13,345 $ 10,415 $ 5,781 $ 8,722 $ 68,910 750 - 128,191 56,768 44,299 30,829 17,261 20,496 297,844 700 - 62,673 24,650 17,733 12,134 5,672 9,490 132,352 650 - 31,402 5,817 5,392 2,828 2,376 3,615 51,430 600 - 2,124 1,195 772 850 621 1,072 6,634 550 - 667 223 381 598 167 417 2,453 500 - 47 123 161 202 64 256 853 Under 6 62 53 24 180 29 354 Unknown 975 - - - - - 975 Total $ 244,401 $ 101,169 $ 82,136 $ 57,880 $ 32,122 $ 44,097 $ 561,805 Accrued interest excluded from total $ 507 $ 235 $ 220 $ 144 $ 81 $ 113 $ 1,300 (1) Credit scores have been updated within the last months. The following tables summarize credit scores by loan class for our mortgage and installment loan portfolio segments at December 31, 2020: Mortgage 1-4 Family Owner Occupied - Jumbo 1-4 Family Owner Occupied - Non-jumbo 1-4 Family Non-owner Occupied 1-4 Family 2nd Lien Resort Lending Total (In thousands) December 31, 2020 800 and above $ 61,077 $ 40,187 $ 25,468 $ 12,490 $ 9,546 $ 148,768 _ 223,177 70,642 82,124 42,138 27,530 445,611 _ 101,086 75,489 30,326 22,962 11,726 241,589 _ 40,296 44,344 13,182 11,269 6,393 115,484 _ 11,146 18,519 4,303 2,703 1,670 38,341 _ - 11,021 2,388 1,608 917 15,934 _ 3,396 5,129 1,580 1,012 192 11,309 Under 500 - 2,242 405 348 73 3,068 Total $ 440,178 $ 267,573 $ 159,776 $ 94,530 $ 58,047 $ 1,020,104 Accrued interest included in total $ 1,301 $ 1,641 $ 587 $ 373 $ 276 $ 4,178 Installment Boat Lending Recreational Vehicle Lending Other Total (In thousands) December 31, 2020 800 and above $ 32,231 $ 29,223 $ 9,154 $ 70,608 _ 123,689 95,890 37,512 257,091 _ 38,223 33,476 25,262 96,961 _ 10,189 8,794 21,138 40,121 _ 2,083 1,305 3,730 7,118 _ 661 551 1,299 2,511 _ 342 283 767 1,392 Under 500 95 52 63 210 Unknown - - 510 510 Total $ 207,513 $ 169,574 $ 99,435 $ 476,522 Accrued interest included in total $ 572 $ 457 $ 156 $ 1,185
Other Mortgage Loans Service's Principal Balances	Mortgage loans serviced for others are not reported as assets on the Consolidated Statements of Financial Condition. The principal balances of these loans at December 31 follow: 2021 2020 (In thousands) Mortgage loans serviced for : Fannie Mae $ 1,753,255 $ 1,656,060 Freddie Mac 1,344,675 1,095,877 Ginnie Mae 170,983 181,615 FHLB 49,581 39,294 Other 5,027 11,242 Total $ 3,323,521 $ 2,984,088
Analysis of Capitalized Mortgage Loan Servicing Rights	An analysis of capitalized mortgage loan servicing rights for the years ended December 31 follows: 2021 2020 2019 (In thousands) Balance at beginning of period $ 16,904 $ 19,171 $ 21,400 Originated servicing rights capitalized 11,436 13,957 7,303 Change in fair value due to price 3,380 (10,833 ) (6,408 ) Change in fair value due to pay downs (5,488 ) (5,391 ) (3,124 ) Balance at end of year $ 26,232 $ 16,904 $ 19,171 Loans sold and serviced that have had servicing rights capitalized $ 3,323,521 $ 2,982,833 $ 2,580,705

OTHER REAL ESTATE (Tables)

OTHER REAL ESTATE (Tables)	12 Months Ended
	Dec. 31, 2021
OTHER REAL ESTATE [Abstract]
Summary of Other Real Estate Activity	A summary of other real estate activity for the years ended December 31 follows (1) 2021 2020 2019 (In thousands) Balance at beginning of year, net of valuation allowance $ 738 $ 1,715 $ 1,178 Loans transferred to other real estate 253 332 2,242 Sales of other real estate (745 ) (1,161 ) (1,438 ) Additions to valuation allowance charged to expense (11 ) (148 ) (267 ) Balance at end of year, net of valuation allowance $ 235 $ 738 $ 1,715 (1) Table excludes other repossessed assets totaling $0.01 million and $0.03 million at December 31, 2021 and 2020, respectively.
Valuation Allowance for Other Real Estate Owned	We periodically review our real estate properties and establish valuation allowances on these properties if values have declined since the date of acquisition. An analysis of our valuation allowance for other real estate follows: 2021 2020 2019 (In thousands) Balance at beginning of year $ 90 $ 92 $ 144 Additions charged to expense 11 148 267 Direct write-downs upon sale (70 ) (150 ) (319 ) Balance at end of year $ 31 $ 90 $ 92

PROPERTY AND EQUIPMENT (Tables)

PROPERTY AND EQUIPMENT (Tables)	12 Months Ended
	Dec. 31, 2021
PROPERTY AND EQUIPMENT [Abstract]
Summary of Property and Equipment	A summary of property and equipment at December 31 follows: 2021 2020 (In thousands) Land and land improvements $ 17,296 $ 17,083 Buildings 58,870 57,208 Equipment 74,844 72,542 151,010 146,833 Accumulated depreciation and amortization (114,606 ) (110,706 ) Property and equipment, net $ 36,404 $ 36,127

GOODWILL AND OTHER INTANGIBLES

GOODWILL AND OTHER INTANGIBLES (Tables)	12 Months Ended
	Dec. 31, 2021
GOODWILL AND OTHER INTANGIBLES [Abstract]
Other Intangible Assets, Net of Amortization	Intangible assets, net of amortization, at December 31 follows: 2021 2020 Gross Carrying Amount Accumulated Amortization Gross Carrying Amount Accumulated Amortization (In thousands) Amortized intangible assets - core deposits $ 11,916 $ 8,580 $ 11,916 $ 7,610 Unamortized intangible assets - goodwill $ 28,300 $ 28,300
Estimated Core Deposit Intangible Amortization	A summary of estimated core deposit intangible amortization at December 31, 2021, follows: (In thousands) 2022 $ 785 2023 547 2024 516 2025 487 2026 460 2027 541 Total $ 3,336

DEPOSITS (Tables)

DEPOSITS (Tables)	12 Months Ended
	Dec. 31, 2021
DEPOSITS [Abstract]
Summary of Interest Expense on Deposits	A summary of interest expense on deposits for the years ended December 31 follows: 2021 2020 2019 (In thousands) Savings and interest-bearing checking $ 2,101 $ 2,264 $ 5,371 Reciprocal 764 2,158 6,024 Time 1,507 7,073 7,148 Brokered time 93 1,171 4,882 Total $ 4,465 $ 12,666 $ 23,425
Summary of Maturity of Time Deposits	A summary of the maturity of time deposits at December 31, 2021, follows (1): (In thousands) 2022 $ 269,067 2023 43,692 2024 10,067 2025 5,834 2026 6,794 2027 338 Total $ 335,792 (1) Includes time deposits, brokered time deposits and reciprocal time deposits
Summary of Reciprocal Deposits	A summary of reciprocal deposits at December 31 follows: 2021 2020 (In thousands) Demand $ 559,664 $ 515,092 Money market 2,546 3,308 Time 24,416 37,785 Total $ 586,626 $ 556,185

OTHER BORROWINGS (Tables)

OTHER BORROWINGS (Tables)	12 Months Ended
	Dec. 31, 2021
OTHER BORROWINGS [Abstract]
Other Borrowings	A summary of other borrowings at December 31 follows: 2021 2020 (In thousands) Advances from the FHLB $ 30,000 $ 30,000 Other 9 12 Total $ 30,009 $ 30,012
FHLB Advances	The maturity dates, weighted average interest rates and contractually required repayments of FHLB advances at December 31 follow: 2021 2020 Amount Rate Amount Rate (Dollars in thousands) Fixed-rate advances - 2027 $ 30,000 0.74 % $ 30,000 0.74 %

SUBORDINATED DEBT AND DEBENTU_2

SUBORDINATED DEBT AND DEBENTURES (Tables)	12 Months Ended
	Dec. 31, 2021
SUBORDINATED DEBT AND DEBENTURES [Abstract]
Information Regarding Subordinated Debentures	Summary information regarding subordinated debentures as of December 31 follows: 2021 Entity Name Issue Date Subordinated Debentures Trust Preferred Securities Issued Common Stock Issued (In thousands) IBC Capital Finance III May 2007 $ 12,372 $ 12,000 $ 372 IBC Capital Finance IV September 2007 15,465 15,000 465 Midwest Guaranty Trust I November 2002 7,732 7,500 232 TCSB Statutory Trust I March 2005 5,155 5,000 155 Discount on TCSB Statutory Trust I (1,132 ) (1,132 ) - $ 39,592 $ 38,368 $ 1,224 2020 Entity Name Issue Date Subordinated Debentures Trust Preferred Securities Issued Common Stock Issued (In thousands) IBC Capital Finance III May 2007 $ 12,372 $ 12,000 $ 372 IBC Capital Finance IV September 2007 15,465 15,000 465 Midwest Guaranty Trust I November 2002 7,732 7,500 232 TCSB Statutory Trust I March 2005 5,155 5,000 155 Discount on TCSB Statutory Trust I (1,200 ) (1,200 ) - $ 39,524 $ 38,300 $ 1,224
Subordinated Debentures and Trust Preferred Securities	Other key terms for the subordinated debentures and trust preferred securities that were outstanding at December 31, 2021 and 2020 follow: Entity Name Maturity Date Interest Rate First Permitted Redemption Date IBC Capital Finance III July 30, 2037 3 month LIBOR plus 1.60% July 30, 2012 IBC Capital Finance IV September 15, 2037 3 month LIBOR plus 2.85% September 15, 2012 Midwest Guaranty Trust I November 7, 2032 3 month LIBOR plus 3.45% November 7, 2007 TCSB Statutory Trust I March 17, 2035 3 month LIBOR plus 2.20% March 17, 2010

COMMITMENTS AND CONTINGENT LI_2

COMMITMENTS AND CONTINGENT LIABILITIES (Tables)	12 Months Ended
	Dec. 31, 2021
COMMITMENTS AND CONTINGENT LIABILITIES [Abstract]
Financial Instruments with Off-balance Sheet Risk	A summary of financial instruments with off-balance sheet risk at December 31 follows: 2021 2020 (In thousands) Financial instruments whose risk is represented by contract amounts Commitments to extend credit $ 672,693 $ 644,815 Standby letters of credit 9,208 9,361
Commercial Loan Portfolio with Greater Potential Risk	Certain consumer-driven industries (including restaurants, hotels, retail, fitness, and other industries) have experienced increased stress and have been more adversely impacted by the COVID-19 pandemic and related consumer trends, labor shortages and supply chain disruptions. We believe that the following concentrations within our commercial loan portfolio represent greater potential risk in the current economic environment. The balances below are as of December 31, 2021. % of Total Amount Loans (Dollars in millions) Commercial and industrial: Retail $ 70 2.4 % Food service 49 1.7 Hotel 40 1.4 159 5.5 Commercial real estate: Retail 109 3.8 Office 72 2.5 Multifamily 55 1.9 236 8.1 Total $ 395 13.6 %

SHAREHOLDERS' EQUITY AND NET _2

SHAREHOLDERS' EQUITY AND NET INCOME PER COMMON SHARE (Tables)	12 Months Ended
	Dec. 31, 2021
SHAREHOLDERS' EQUITY AND NET INCOME PER COMMON SHARE [Abstract]
Reconciliation of Basic and Diluted Net Income Per Share	A reconciliation of basic and diluted net income per common share for the years ended December 31 follows: 2021 2020 2019 (In thousands, except per share amounts) Net income $ 62,895 $ 56,152 $ 46,435 Weighted average shares outstanding (1) 21,585 21,977 22,894 Stock units for deferred compensation plan for non-employee directors 121 121 132 Effect of stock options 69 90 115 Performance share units 32 33 42 Weighted average shares outstanding for calculation of diluted earnings per share 21,807 22,221 23,183 Net income per common share Basic (1) $ 2.91 $ 2.56 $ 2.03 Diluted $ 2.88 $ 2.53 $ 2.00 (1) Basic net income per common share includes weighted average common shares outstanding during the period and participating share awards.

INCOME TAX (Tables)

INCOME TAX (Tables)	12 Months Ended
	Dec. 31, 2021
INCOME TAX [Abstract]
Composition of Income Tax Expense	The composition of income tax expense for the years ended December 31 follows: 2021 2020 2019 (In thousands) Current expense $ 12,506 $ 15,459 $ 10,237 Deferred expense (benefit) 1,912 (2,130 ) 1,088 Income tax expense $ 14,418 $ 13,329 $ 11,325
Reconciliation of Income Tax Expense Computed by Applying the Statutory Federal Income Tax Rate	A reconciliation of income tax expense to the amount computed by applying the statutory federal income tax rate of for o the income before income tax for the years ended December 31 follows: 2021 2020 2019 (In thousands) Statutory rate applied to income before income tax $ 16,236 $ 14,591 $ 12,130 Tax-exempt income (1,487 ) (690 ) (375 ) Share-based compensation (184 ) (204 ) (204 ) Bank owned life insurance (119 ) (196 ) (233 ) Unrecognized tax benefit (11 ) (206 ) (134 ) Non-deductible meals, entertainment and memberships 32 57 86 Other, net (49 ) (23 ) 55 Income tax expense $ 14,418 $ 13,329 $ 11,325
Deferred Tax Assets and Deferred Tax Liabilities	The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities at December 31 follow: 2021 2020 (In thousands) Deferred tax assets Allowance for credit losses (1) $ 9,923 $ 7,363 Property and equipment 1,405 1,047 Lease liabilities 1,386 1,652 Reserve for unfunded lending commitments 941 379 Share-based compensation 734 742 Deferred compensation 390 321 Loss reimbursement on sold loans reserve 242 214 Non accrual loan interest income 194 203 Other than temporary impairment charge on securities available for sale 144 144 Other 276 - Gross deferred tax assets 15,635 12,065 Deferred tax liabilities Capitalized mortgage loan servicing rights 5,509 3,550 Deferred loan fees 2,011 1,901 Unrealized gain on securities available for sale 1,674 4,206 Lease right of use asset 1,361 1,606 Purchase premiums, net 735 509 Other - 18 Gross deferred tax liabilities 11,290 11,790 Deferred tax assets, net (2) $ 4,345 $ 275 (1) Beginning January 1, 2021, calculation is based on CECL methodology. Prior to January 1, 2021, calculation was based on the probable incurred loss methodology. (2) Included in accrued income and other assets on the Consolidated Statements of Financial Position.
Changes in Unrecognized Tax Benefits	Changes in unrecognized tax benefits for the years ended December 31 follow: 2021 2020 2019 (In thousands) Balance at beginning of year $ 180 $ 438 $ 588 Additions based on tax positions related to the current year 11 15 20 Reductions due to the statute of limitations (11 ) (273 ) (170 ) Reductions due to settlements - - - Balance at end of year $ 180 $ 180 $ 438

SHARE BASED COMPENSATION AND _2

SHARE BASED COMPENSATION AND BENEFIT PLANS (Tables)	12 Months Ended
	Dec. 31, 2021
SHARE BASED COMPENSATION AND BENEFIT PLANS [Abstract]
Outstanding Stock Option Grants and Transactions	A summary of outstanding stock option grants and related transactions follows: Number of Shares Average Exercise Price Weighted- Average Remaining Contractual Term (Years) Aggregated Intrinsic Value (In thousands) Outstanding at January 1, 2021 121,189 $ 4.81 Granted - Exercised (40,350 ) 2.90 Forfeited - Expired - Outstanding at December 31, 2021 80,839 $ 5.76 1.6 $ 1,464 Vested and expected to vest at December 31, 2021 80,839 $ 5.76 1.6 $ 1,464 Exercisable at December 31, 2021 80,839 $ 5.76 1.6 $ 1,464
Non-Vested Restricted Stock, Restricted Stock Units and PSU's	A summary of outstanding non-vested stock and related transactions follows: Number of Shares Weighted- Average Grant Date Fair Value Outstanding at January 1, 2021 207,117 $ 22.70 Granted 114,565 20.45 Vested (73,081 ) 22.82 Forfeited (14,375 ) 21.89 Outstanding at December 31, 2021 234,226 $ 21.64
Information Regarding Options Exercised	Certain information regarding options exercised during the periods ending December 31 follows: 2021 2020 2019 (In thousands) Intrinsic value $ 752 $ 293 $ 897 Cash proceeds received $ 117 $ 57 $ 706 Tax benefit realized $ 158 $ 61 $ 188

OTHER NON-INTEREST INCOME (Tabl

OTHER NON-INTEREST INCOME (Tables)	12 Months Ended
	Dec. 31, 2021
OTHER NON-INTEREST INCOME [Abstract]
Other Non-interest Income	Other non-interest income for the years ended December 31 follows: 2021 2020 2019 (In thousands) Investment and insurance commissions $ 2,603 $ 1,971 $ 1,658 ATM fees 1,133 1,197 1,403 Bank owned life insurance 567 910 1,111 Other 5,089 3,443 5,110 Total other non-interest income $ 9,392 $ 7,521 $ 9,282

DERIVATIVE FINANCIAL INSTRUME_2

DERIVATIVE FINANCIAL INSTRUMENTS (Tables)	12 Months Ended
	Dec. 31, 2021
DERIVATIVE FINANCIAL INSTRUMENTS [Abstract]
Derivative Financial Instruments According to Type of Hedge Designation	Our derivative financial instruments according to the type of hedge in which they are designated at December 31 follow: 2021 Notional Amount Average Maturity (years) Fair Value (Dollars in thousands) Fair value hedge designation Pay-fixed interest rate swap agreements - commercial $ 6,753 7.4 $ (384 ) Pay-fixed interest rate swap agreements - securities available for sale 148,895 5.8 4,413 Total $ 155,648 5.9 $ 4,029 No hedge designation Rate-lock mortgage loan commitments $ 129,846 0.1 $ 2,140 Mandatory commitments to sell mortgage loans 97,737 0.1 (68 ) Interest rate swaption agreement 10,000 0.2 186 Pay-fixed interest rate swap agreements - commercial 207,080 5.7 (5,179 ) Pay-variable interest rate swap agreements - commercial 207,080 5.7 5,179 Interest rate cap agreements 90,000 1.3 35 Total $ 741,743 3.4 $ 2,293 2020 Notional Amount Average Maturity (years) Fair Value (Dollars in thousands) Fair value hedge designation Pay-fixed interest rate swap agreements - commercial $ 7,088 8.4 $ (776 ) Pay-fixed interest rate swap agreements - securities available for sale 41,950 7.1 15 Total $ 49,038 7.3 $ (761 ) No hedge designation Rate-lock mortgage loan commitments $ 168,816 0.1 $ 7,020 Mandatory commitments to sell mortgage loans 186,092 0.1 (941 ) Pay-fixed interest rate swap agreements - commercial 147,456 4.5 (9,700 ) Pay-variable interest rate swap agreements - commercial 147,456 4.5 9,700 Pay-fixed interest rate swap agreements 25,000 0.6 (295 ) Interest rate cap agreements 135,000 1.8 5 Purchased options 2,908 0.5 42 Written options 2,848 0.5 (42 ) Total $ 815,576 2.0 $ 5,789
Fair Value of Derivative Instruments	Fair Values of Derivative Instruments Asset Derivatives Liability Derivatives December 31, December 31, 2021 2020 2021 2020 Balance Sheet Location Fair Value Balance Sheet Location Fair Value Balance Sheet Location Fair Value Balance Sheet Location Fair Value (In thousands) Derivatives designated as hedging instruments - - - - Pay-fixed interest rate swap agreements Other assets $ 4,413 Other assets $ 15 Other liabilities $ 384 Other liabilities $ 776 Derivatives not designated as hedging instruments Rate-lock mortgage loan commitments Other assets $ 2,140 Other assets $ 7,020 Other liabilities $ - Other liabilities $ - Mandatory commitments to sell mortgage loans Other assets - Other assets - Other liabilities 68 Other liabilities 941 Interest rate swaption agreement Other assets 186 Other assets - Other liabilities - Other liabilities - Pay-fixed interest rate swap agreements - commercial Other assets 165 Other assets - Other liabilities 5,344 Other liabilities 9,700 Pay-variable interest rate swap agreements - commercial Other assets 5,344 Other assets 9,700 Other liabilities 165 Other liabilities - Pay-fixed interest rate swap agreements Other assets - Other assets - Other liabilities - Other liabilities 295 Interest rate cap agreements Other assets 35 Other assets 5 Other liabilities - Other liabilities - Purchased options Other assets - Other assets 42 Other liabilities - Other liabilities - Written options Other assets - Other assets - Other liabilities - Other liabilities 42 7,870 16,767 5,577 10,978 Total derivatives $ 12,283 $ 16,782 $ 5,961 $ 11,754
Effect of Derivative Financial Instruments on Consolidated Statement of Operations	The effect of derivative financial instruments on the Consolidated Statements of Operations follows: Year Ended December 31, Gain (loss) Recognized in Other Comprehensive Income (Loss) (Effective Portion) Location of Gain (Loss) Reclassified from Accumulated Other Comprehensive Income into Income (Effective Portion) Gain (Loss) Reclassified from Accumulated Other Comprehensive Income into Income (Effective Portion) Location of Gain (Loss) Recognized in Income Gain (Loss) Recognized in Income 2021 2020 2019 2021 2020 2019 2021 2020 2019 (In thousands) Fair Value Hedges Pay-fixed interest rate swap agreement - commercial Interest and fees on loans $ 392 $ (534 ) $ (242 ) Pay-fixed interest rate swap agreement - securities available for sale Interest on securities available for sale - tax-exempt 4,398 15 - Total $ 4,790 $ (519 ) $ (242 ) Cash Flow Hedges Interest rate cap agreements $ - $ 125 $ (1,211 ) Interest expense $ - $ (1,885 ) $ 363 Pay-fixed interest rate swap agreements - (479 ) (392 ) Interest expense - (654 ) 62 Total $ - $ (354 ) $ (1,603 ) $ - $ (2,539 ) $ 425 No hedge designation Rate-lock mortgage loan commitments Net gains on mortgage loans $ (4,880 ) $ 5,608 $ 725 Mandatory commitments to sell mortgage loans Net gains on mortgage loans 873 (791 ) 233 Interest rate swaption agreement Net gains on mortgage loans (2 ) - - Pay-fixed interest rate swap agreements - commercial Interest income 4,521 (6,059 ) (4,046 ) Pay-variable interest rate swap agreements -commercial Interest income (4,521 ) 6,059 4,046 Pay-fixed interest rate swap agreements Interest expense 295 231 - Interest rate cap agreements Interest expense 30 (57 ) - Purchased options Interest expense (42 ) (99 ) 25 Written options Interest expense 42 97 (23 ) Total $ (3,684 ) $ 4,989 $ 960

RELATED PARTY TRANSACTIONS (Tab

RELATED PARTY TRANSACTIONS (Tables)	12 Months Ended
	Dec. 31, 2021
RELATED PARTY TRANSACTIONS [Abstract]
Summary of Loans to Directors and Executive Officers	A summary of loans to our directors and executive officers (which includes loans to entities in which the individual owns a 10% or more voting interest) for the years ended December 31 follows: 2021 2020 (In thousands) Balance at beginning of year $ 2,416 $ 13,077 New loans and advances 5,722 417 Repayments (1,259 ) (11,078 ) Balance at end of year $ 6,879 $ 2,416

LEASES (Tables)

LEASES (Tables)	12 Months Ended
	Dec. 31, 2021
LEASES [Abstract]
Components of Operating Leases	The cost components of our operating leases follows: 2021 2020 2019 (In thousands) Operating lease cost $ 1,672 $ 1,780 $ 2,217 Variable lease cost 63 69 142 Short-term lease cost 64 36 19 Total $ 1,799 $ 1,885 $ 2,378
Supplemental Balance Sheet Information Related to Operating Leases	Supplemental balance sheet information related to our operating leases follows: 2021 2020 (In thousands) Lease right of use asset (1) $ 6,481 $ 7,646 Lease liabilities (2) $ 6,602 $ 7,868 Weighted average remaining lease term (years) 6.50 7.12 Weighted average discount rate 2.3 % 2.4 % (1) Included in Accrued income and other assets (2) Included in Accrued expenses and other liabilities
Maturity Analysis of Lease Liabilities	Maturity analysis of our lease liabilities at December 31, 2021 based on required contractual payments follows: (In thousands) 2022 $ 1,619 2023 1,311 2024 816 2025 809 2026 744 2027 1,795 Total lease payments 7,094 Less imputed interest (492 ) Total $ 6,602

REGULATORY MATTERS (Tables)

REGULATORY MATTERS (Tables)	12 Months Ended
	Dec. 31, 2021
REGULATORY MATTERS [Abstract]
Actual Capital Amounts and Ratios and Components of Regulatory Capital	Our actual capital amounts and ratios at December 31 follow (1) Actual Minimum for Adequately Capitalized Institutions Minimum for Well-Capitalized Institutions Amount Ratio Amount Ratio Amount Ratio (Dollars in thousands) 2021 Total capital to risk-weighted assets Consolidated $ 488,495 14.53 % $ 268,991 8.00 % NA NA Independent Bank 438,352 13.05 268,808 8.00 $ 336,011 10.00 % Tier 1 capital to risk-weighted assets Consolidated $ 406,645 12.09 % $ 201,743 6.00 % NA NA Independent Bank 396,351 11.80 201,606 6.00 $ 268,808 8.00 % Common equity tier 1 capital to risk-weighted assets Consolidated $ 368,277 10.95 % $ 151,307 4.50 % NA NA Independent Bank 396,351 11.80 151,205 4.50 $ 218,407 6.50 % Tier 1 capital to average assets Consolidated $ 406,645 8.79 % $ 185,034 4.00 % NA NA Independent Bank 396,351 8.57 185,077 4.00 $ 231,347 5.00 % 2020 Total capital to risk-weighted assets Consolidated $ 455,072 15.95 % $ 228,214 8.00 % NA NA Independent Bank 401,005 14.06 228,111 8.00 $ 285,139 10.00 % Tier 1 capital to risk-weighted assets Consolidated $ 379,395 13.30 % $ 171,161 6.00 % NA NA Independent Bank 365,343 12.81 171,083 6.00 $ 228,111 8.00 % Common equity tier 1 capital to risk-weighted assets Consolidated $ 341,095 11.96 % $ 128,370 4.50 % NA NA Independent Bank 365,343 12.81 128,312 4.50 $ 185,340 6.50 % Tier 1 capital to average assets Consolidated $ 379,395 9.15 % $ 165,825 4.00 % NA NA Independent Bank 365,343 8.81 165,828 4.00 $ 207,285 5.00 % (1) These ratios do not reflect a capital conservation buffer of 2.50% at December 31, 2021 and 2020. NA - Not applicable
Regulatory Capital	The components of our regulatory capital are as follows: Consolidated Independent Bank December 31, December 31, 2021 2020 2021 2020 (In thousands) Total shareholders’ equity $ 398,484 $ 389,522 $ 426,558 $ 413,770 Add (deduct) Accumulated other comprehensive loss for regulatory purposes (6,298 ) (15,821 ) (6,298 ) (15,821 ) Goodwill and other intangibles (31,636 ) (32,606 ) (31,636 ) (32,606 ) CECL (1) 7,727 - 7,727 - Common equity tier 1 capital 368,277 341,095 396,351 365,343 Qualifying trust preferred securities 38,368 38,300 - - Tier 1 capital 406,645 379,395 396,351 365,343 Subordinated debt 40,000 40,000 - - Allowance for credit losses and allowance for unfunded lending commitments limited to 1.25% of total risk-weighted assets (2) 41,850 35,677 42,001 35,662 Total risk-based capital $ 488,495 $ 455,072 $ 438,352 $ 401,005 (1) We elected the three year CECL transition method for regulatory purposes. (2) Beginning January 1, 2021, calculation of allowances are based on CECL methodology. Prior to January 1, 2021, calculation was based on the probable incurred loss methodology.

FAIR VALUE DISCLOSURES (Tables)

FAIR VALUE DISCLOSURES (Tables)	12 Months Ended
	Dec. 31, 2021
FAIR VALUE DISCLOSURES [Abstract]
Assets and Liabilities Measured at Fair Value	Assets and liabilities measured at fair value, including financial assets for which we have elected the fair value option, were as follows: Fair Value Measurements Using Fair Value Measure- ments Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Un- observable Inputs (Level 3) (In thousands) December 31, 2021 Measured at Fair Value on a Recurring Basis Assets Securities available for sale U.S. agency $ 34,674 $ - $ 34,674 $ - U.S. agency residential mortgage-backed 307,985 - 307,985 - U.S. agency commercial mortgage-backed 22,926 - 22,926 - Private label mortgage-backed 102,615 - 102,615 - Other asset backed 216,170 - 216,170 - Obligations of states and political subdivisions 576,076 - 576,076 - Corporate 149,959 - 149,959 - Trust preferred 1,919 - 1,919 - Foreign government 506 - 506 - Loans held for sale, carried at fair value 55,470 - 55,470 - Capitalized mortgage loan servicing rights 26,232 - - 26,232 Derivatives (1) 12,283 - 12,283 - Liabilities Derivatives (2) 5,961 - 5,961 - Measured at Fair Value on a Non-recurring Basis: Assets Collateral dependent loans (3) Commercial Commercial and industrial 274 - - 274 Commercial real estate 65 - - 65 Mortgage 1-4 family owner occupied - non-jumbo 516 - - 516 1-4 family non-owner occupied 130 - - 130 1-4 family - 2nd lien 121 - - 121 Resort lending 77 - - 77 Installment Boat lending 51 - - 51 Recreational vehicle lending 77 - - 77 Other 45 - - 45 (1) Included in accrued income and other assets in the Consolidated Statements of Financial Condition. (2) Included in accrued expenses and other liabilities in the Consolidated Statements of Financial Condition. (3) Only includes individually evaluated loans with specific loss allocations based on collateral value. Fair Value Measurements Using Fair Value Measure- ments Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Un- observable Inputs (Level 3) (In thousands) December 31, 2020 Measured at Fair Value on a Recurring Basis Assets Securities available for sale U.S. agency $ 10,748 $ - $ 10,748 $ - U.S. agency residential mortgage-backed 344,582 - 344,582 - U.S. agency commercial mortgage-backed 7,195 - 7,195 - Private label mortgage-backed 42,829 - 42,829 - Other asset backed 254,181 - 254,181 - Obligations of states and political subdivisions 324,293 - 324,293 - Corporate 86,017 - 86,017 - Trust preferred 1,798 - 1,798 - Foreign government 516 - 516 - Loans held for sale, carried at fair value 92,434 - 92,434 - Capitalized mortgage loan servicing rights 16,904 - - 16,904 Derivatives (1) 16,782 - 16,782 - Liabilities Derivatives (2) 11,754 - 11,754 - Measured at Fair Value on a Non-recurring Basis: Assets Impaired loans (3) Commercial Commercial and industrial 1,468 - - 1,468 Commercial real estate 6,586 - - 6,586 Mortgage 1-4 family owner occupied - jumbo - - - - 1-4 family owner occupied - non-jumbo 321 - - 321 1-4 family non-owner occupied 155 - - 155 1-4 family - 2nd lien 324 - - 324 Resort lending 61 - - 61 Installment Boat lending 4 - - 4 Recreational vehicle lending 31 - - 31 Other 124 - - 124 Other real estate (4) 1-4 family owner occupied - non-jumbo 102 - - 102 (1) Included in accrued income and other assets in the Consolidated Statements of Financial Condition. (2) Included in accrued expenses and other liabilities in the Consolidated Statements of Financial Condition. (3) Only includes impaired loans with specific loss allocations based on collateral value. (4) Only includes other real estate with subsequent write downs to fair value.
Changes in Fair Value for Financial Assets	Changes in fair values of financial assets for which we have elected the fair value option for the years ended December 31 were as follows: Net Gains (Losses) on Assets Total Change in Fair Values Included Securities Available For Sale Mortgage Loans Mortgage Loan Servicing, net in Current Period Earnings (In thousands) 2021 Loans held for sale $ - $ (2,805) $ - $ (2,805) Capitalized mortgage loan servicing rights - - (2,108 ) (2,108 ) 2020 Loans held for sale - 1,962 - 1,962 Capitalized mortgage loan servicing rights - - (16,224 ) (16,224 ) 2019 Equity securities at fair value 167 - - 167 Loans held for sale - 637 - 637 Capitalized mortgage loan servicing rights - - (9,532 ) (9,532 )
Reconciliation for all Assets Measured at Fair Value on a Recurring Basis Using Significant Unobservable Inputs (Level 3)	A reconciliation for all assets and (liabilities) measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the years ended December 31 follows: Capitalized Mortgage Loan Servicing Rights 2021 2020 2019 (In thousands) Beginning balance $ 16,904 $ 19,171 $ 21,400 Total losses realized and unrealized: Included in results of operations (2,108 ) (16,224 ) (9,532 ) Included in other comprehensive income (loss) - - - Purchases, issuances, settlements, maturities and calls 11,436 13,957 7,303 Transfers in and/or out of Level 3 - - - Ending balance $ 26,232 $ 16,904 $ 19,171 Amount of total losses for the period included in earnings attributable to the change in unrealized losses relating to assets and liabilities still held at December 31 $ (2,108 ) $ (16,224 ) $ (9,532 )
Quantitative Information About Level 3 Fair Value Measurements Measured on a Recurring Basis and Non-recurring Basis	The fair value of our capitalized mortgage loan servicing rights has been determined based on a valuation model used by an independent third party as discussed above. The significant unobservable inputs used in the fair value measurement of the capitalized mortgage loan servicing rights are discount rate, cost to service, ancillary income, float rate and prepayment rate. Significant changes in all five of these assumptions in isolation would result in significant changes to the value of our capitalized mortgage loan servicing rights. Quantitative information about our Level 3 fair value measurements measured on a recurring basis follows: Asset Fair Value Valuation Technique Unobservable Inputs Range Weighted Average (In thousands) - - - - 2021 Capitalized mortgage loan servicing rights $ 26,232 Present value of net Discount rate 10.00% to 13.00 % 10.07 % servicing revenue Cost to service $ 67 to $281 $ 78 Ancillary income 20 to 30 21 Float rate 1.36 % 1.36 % Prepayment rate 7.02% to 44.21 % 13.92 % 2020 Capitalized mortgage loan servicing rights $ 16,904 Present value of net Discount rate 10.00% to 13.00 % 10.09 % servicing revenue Cost to service $ 69 to $289 $ 79 Ancillary income 20 to 37 22 Float rate 0.43 % 0.43 % Prepayment rate 7.92% to 64.70 % 20.85 % Quantitative information about Level 3 fair value measurements measured on a non-recurring basis follows: Asset Fair Value Valuation Technique Unobservable Inputs Range Weighted Average (In thousands) - - - - 2021 Collateral dependent loans Commercial $ 339 Sales comparison Adjustment for differences approach between comparable sales (12.5)% to 12.0 % 1.5 % Mortgage and Installment (1) 1,017 Sales comparison Adjustment for differences approach between comparable sales (30.1) to 29.3 0.2 Other real estate 2020 Impaired loans Commercial $ 8,054 Sales comparison Adjustment for differences approach between comparable sales (40.0)% to 75.0 % 3.8 % Mortgage and Installment (1) 1,020 Sales comparison Adjustment for differences approach between comparable sales (73.3) to 104.6 (1.5 ) Other real estate Mortgage 102 Sales comparison Adjustment for differences approach between comparable sales (13.1) to 2.4 (3.6 ) (1) In addition to the valuation techniques and unobservable inputs discussed above, at December 31, 2021 and 2020 certain collateral dependent installment loans totaling approximately $0.17 million and $0.16 million are secured by collateral other than real estate. For the majority of these loans, we apply internal discount rates to industry valuation guides.
Aggregate Fair Value and Aggregate Remaining Contractual Principal Balance for Loans Held for Sale	The following table reflects the difference between the aggregate fair value and the aggregate remaining contractual principal balance outstanding for loans held for sale for which the fair value option has been elected at December 31: Aggregate Fair Value Difference Contractual Principal (In thousands) Loans held for sale 2021 $ 55,470 $ 1,051 $ 54,419 2020 92,434 3,856 88,578 2019 69,800 1,894 67,906

FAIR VALUES OF FINANCIAL INST_2

FAIR VALUES OF FINANCIAL INSTRUMENTS (Tables)	12 Months Ended
	Dec. 31, 2021
FAIR VALUES OF FINANCIAL INSTRUMENTS [Abstract]
Estimated Fair Values and Recorded Book Balances	The estimated recorded book balances and fair values at December 31 follow: Fair Value Using Recorded Book Balance Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Un- observable Inputs (Level 3) (In thousands) 2021 Assets Cash and due from banks $ 51,069 $ 51,069 $ 51,069 $ - $ - Interest bearing deposits 58,404 58,404 58,404 - - Securities available for sale 1,412,830 1,412,830 - 1,412,830 - Federal Home Loan Bank and Federal Reserve Bank Stock 18,427 NA NA NA NA Net loans and loans held for sale 2,948,074 2,931,079 35,233 55,470 2,840,376 Accrued interest receivable 12,865 12,865 1 6,028 6,836 Derivative financial instruments 12,283 12,283 - 12,283 - Liabilities Deposits with no stated maturity (1) $ 3,781,298 $ 3,781,298 $ 3,781,298 $ - $ - Deposits with stated maturity (1) 335,792 336,006 - 336,006 - Other borrowings 30,009 30,155 - 30,155 - Subordinated debt 39,357 44,999 - 44,999 - Subordinated debentures 39,592 33,866 - 33,866 - Accrued interest payable 497 497 67 430 - Derivative financial instruments 5,961 5,961 - 5,961 - 2020 Assets Cash and due from banks $ 56,006 $ 56,006 $ 56,006 $ - $ - Interest bearing deposits 62,699 62,699 62,699 - - Securities available for sale 1,072,159 1,072,159 - 1,072,159 - Federal Home Loan Bank and Federal Reserve Bank Stock 18,427 NA NA NA NA Net loans and loans held for sale 2,790,683 2,794,058 - 92,434 2,701,624 Accrued interest receivable 12,315 12,315 3 3,414 8,898 Derivative financial instruments 16,782 16,782 - 16,782 - Liabilities Deposits with no stated maturity (1) $ 3,198,338 $ 3,198,338 $ 3,198,338 $ - $ - Deposits with stated maturity (1) 439,017 441,457 - 441,457 - Other borrowings 30,012 30,844 - 30,844 - Subordinated debt 39,281 41,417 - 41,417 - Subordinated debentures 39,524 30,265 - 30,265 - Accrued interest payable 601 601 59 542 - Derivative financial instruments 11,754 11,754 - 11,754 - NA – Not applicable (1) Deposits with no stated maturity include reciprocal deposits with a recorded book balance of $ million and $ million at December 31, 2021 and 2020, respectively. Deposits with a stated maturity include reciprocal deposits with a recorded book balance of $ million and $ million at December 31, 2021 and 2020, respectively.

ACCUMULATED OTHER COMPREHENSI_2

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (Tables)	12 Months Ended
	Dec. 31, 2021
ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) [Abstract]
Accumulated Other Comprehensive Income (Loss) (AOCIL), Net of Tax	A summary of changes in accumulated other comprehensive income (loss) (‘‘AOCIL’’), net of tax during the years ended December 31 follows: Unrealized Gains (Losses) on Securities Available for Sale Dispropor- tionate Tax Effects from Securities Available for Sale Unrealized Losses on Cash Flow Hedges Total (In thousands) 2021 Balances at beginning of period $ 15,822 $ (5,798 ) $ - $ 10,024 Other comprehensive loss before reclassifications (8,408 ) - - (8,408 ) Amounts reclassified from AOCIL (1,115 ) - - (1,115 ) Net current period other comprehensive loss (9,523 ) - - (9,523 ) Balances at end of period $ 6,299 $ (5,798 ) $ - $ 501 2020 Balances at beginning of period $ 3,739 $ (5,798 ) $ (1,727 ) $ (3,786 ) Other comprehensive income (loss) before reclassifications 12,294 - (279 ) 12,015 Amounts reclassified from AOCIL (211 ) - 2,006 1,795 Net current period other comprehensive income 12,083 - 1,727 13,810 Balances at end of period $ 15,822 $ (5,798 ) $ - $ 10,024 2019 Balances at beginning of period $ (4,185 ) $ (5,798 ) $ (125 ) $ (10,108 ) Other comprehensive income (loss) before reclassifications 8,035 - (1,266 ) 6,769 Amounts reclassified from AOCIL (111 ) - (336 ) (447 ) Net current period other comprehensive income (loss) 7,924 - (1,602 ) 6,322 Balances at end of period $ 3,739 $ (5,798 ) $ (1,727 ) $ (3,786 )
Reclassifications Out of Each Component of AOCIL	A summary of reclassifications out of each component of AOCIL for the years ended December 31 follows: AOCIL Component Reclassified From AOCIL Affected Line Item in Consolidated Statements of Operations (In thousands) 2021 Unrealized gains (losses) on securities available for sale $ 1,411 Net gains on securities available for sale - Net impairment loss recognized in earnings 1,411 Total reclassifications before tax 296 Income tax expense $ 1,115 Reclassifications, net of tax 2020 Unrealized gains (losses) on securities available for sale $ 267 Net gains on securities available for sale - Net impairment loss recognized in earnings 267 Total reclassifications before tax 56 Income tax expense $ 211 Reclassifications, net of tax Unrealized gains (losses) on cash flow hedges $ 2,539 Interest expense 533 Income tax expense $ 2,006 Reclassification, net of tax $ (1,795 ) Total reclassifications for the period, net of tax 2019 Unrealized gains (losses) on securities available for sale $ 140 Net gains on securities available for sale - Net impairment loss recognized in earnings 140 Total reclassifications before tax 29 Income tax expense $ 111 Reclassifications, net of tax Unrealized gains (losses) on cash flow hedges $ (425 ) Interest expense (89 ) Income tax expense $ (336 ) Reclassification, net of tax $ 447 Total reclassifications for the period, net of tax

INDEPENDENT BANK CORPORATION _2

INDEPENDENT BANK CORPORATION (PARENT COMPANY ONLY) FINANCIAL INFORMATION (Tables)	12 Months Ended
	Dec. 31, 2021
INDEPENDENT BANK CORPORATION (PARENT COMPANY ONLY) FINANCIAL INFORMATION [Abstract]
Condensed Statements of Financial Condition	CONDENSED STATEMENTS OF FINANCIAL CONDITION December 31, 2021 2020 (In thousands) ASSETS Cash and due from banks $ 6,093 $ 10,466 Interest bearing deposits - time 40,000 40,000 Investment in subsidiaries 432,949 418,465 Accrued income and other assets 96 805 Total Assets $ 479,138 $ 469,736 LIABILITIES AND SHAREHOLDERS’ EQUITY Subordinated debt $ 39,357 $ 39,281 Subordinated debentures 39,592 39,524 Accrued expenses and other liabilities 844 684 Shareholders’ equity 399,345 390,247 Total Liabilities and Shareholders’ Equity $ 479,138 $ 469,736
Condensed Statements of Operations	CONDENSED STATEMENTS OF OPERATIONS Year Ended December 31, 2021 2020 2019 (In thousands) OPERATING INCOME Dividends from subsidiary $ 32,000 $ 24,000 $ 29,000 Interest income 55 99 230 Other income 33 42 61 Total Operating Income 32,088 24,141 29,291 OPERATING EXPENSES Interest expense 3,625 2,893 2,104 Administrative and other expenses 787 733 655 Total Operating Expenses 4,412 3,626 2,759 Income Before Income Tax and Equity in Undistributed Net Income of Subsidiaries 27,676 20,515 26,532 Income tax benefit (1,048 ) (937 ) (423 ) Income Before Equity in Undistributed Net Income of Subsidiaries 28,724 21,452 26,955 Equity in undistributed net income of subsidiaries 34,171 34,700 19,480 Net Income $ 62,895 $ 56,152 $ 46,435
Condensed Statements of Cash Flows	CONDENSED STATEMENTS OF CASH FLOWS Year Ended December 31, 2021 2020 2019 (In thousands) Net Income $ 62,895 $ 56,152 $ 46,435 ADJUSTMENTS TO RECONCILE NET INCOME TO NET CASH FROM OPERATING ACTIVITIES Deferred income tax (benefit) expense (81 ) (34 ) 1,503 Share based compensation 95 89 65 Accretion of discount on subordinated debt and debentures 144 113 68 (Increase) decrease in accrued income and other assets 788 (307 ) 891 Increase in accrued expenses and other liabilities 159 109 45 Equity in undistributed net income of subsidiaries (34,171 ) (34,700 ) (19,480 ) Total Adjustments (33,066 ) (34,730 ) (16,908 ) Net Cash From Operating Activities 29,829 21,422 29,527 CASH FLOW FROM (USED IN) INVESTING ACTIVITIES Purchases of interest bearing deposits - time (160,000 ) (85,000 ) (20,000 ) Maturity of interest bearing deposits - time 160,000 55,000 35,000 Net Cash From (Used In) Investing Activities - (30,000 ) 15,000 CASH FLOW FROM (USED IN) FINANCING ACTIVITIES Proceeds from issuance of subordinated debt, net of issuance costs - 39,236 - Dividends paid (18,155 ) (17,618 ) (16,554 ) Proceeds from issuance of common stock 1,913 1,907 2,074 Share based compensation withholding obligation (691 ) (755 ) (882 ) Repurchase of common stock (17,269 ) (14,231 ) (26,284 ) Net Cash From (Used In) Financing Activities (34,202 ) 8,539 (41,646 ) Net Increase (Decrease) in Cash and Cash Equivalents (4,373 ) (39 ) 2,881 Cash and Cash Equivalents at Beginning of Year 10,466 10,505 7,624 Cash and Cash Equivalents at End of Year $ 6,093 $ 10,466 $ 10,505

REVENUE FROM CONTRACTS WITH C_2

REVENUE FROM CONTRACTS WITH CUSTOMERS (Tables)	12 Months Ended
	Dec. 31, 2021
REVENUE FROM CONTRACTS WITH CUSTOMERS [Abstract]
Disaggregation of Revenue Sources by Attribute	Disaggregation of our revenue sources by attribute for the years ended December 31 follow: 2021 Service Charges on Deposit Accounts Other Deposit Related Income Interchange Income Investment and Insurance Commissions Total (In thousands) Retail Overdraft fees $ 8,431 $ - $ - $ - $ 8,431 Account service charges 1,130 - - - 1,130 ATM fees - 1,109 - - 1,109 Other - 819 - - 819 Business Overdraft fees 609 - - - 609 ATM fees - 24 - - 24 Other - 328 - - 328 Interchange income - - 14,045 - 14,045 Asset management revenue - - - 1,689 1,689 Transaction based revenue - - - 914 914 Total $ 10,170 $ 2,280 $ 14,045 $ 2,603 $ 29,098 Reconciliation to Consolidated Statement of Operations: Non-interest income - other: Other deposit related income $ 2,280 Investment and insurance commissions 2,603 Bank owned life insurance 567 Other 3,942 Total $ 9,392 2020 Service Charges on Deposit Accounts Other Deposit Related Income Interchange Income Investment and Insurance Commissions Total (In thousands) Retail Overdraft fees $ 5,627 $ - $ - $ - $ 5,627 Account service charges 2,017 - - - 2,017 ATM fees - 1,173 - - 1,173 Other - 769 - - 769 Business Overdraft fees 873 - - - 873 ATM fees - 24 - - 24 Other - 342 - - 342 Interchange income - - 11,230 - 11,230 Asset management revenue - - - 1,283 1,283 Transaction based revenue - - - 688 688 Total $ 8,517 $ 2,308 $ 11,230 $ 1,971 $ 24,026 Reconciliation to Consolidated Statement of Operations: Non-interest income - other: Other deposit related income $ 2,308 Investment and insurance commissions 1,971 Bank owned life insurance 910 Other 2,332 Total $ 7,521 2019 Service Charges on Deposit Accounts Other Deposit Related Income Interchange Income Investment and Insurance Commissions Total (In thousands) Retail Overdraft fees $ 7,590 $ - $ - $ - $ 7,590 Account service charges 2,103 - - - 2,103 ATM fees - 1,368 - - 1,368 Other - 965 - - 965 Business Overdraft fees 1,515 - - - 1,515 ATM fees - 35 - - 35 Other - 422 - - 422 Interchange income - - 10,297 - 10,297 Asset management revenue - - - 1,123 1,123 Transaction based revenue - - - 535 535 Total $ 11,208 $ 2,790 $ 10,297 $ 1,658 $ 25,953 Reconciliation to Consolidated Statement of Operations: Non-interest income - other: Other deposit related income $ 2,790 Investment and insurance commissions 1,658 Bank owned life insurance 1,111 Other 3,723 Total $ 9,282

ACCOUNTING POLICIES, Nature of

ACCOUNTING POLICIES, Nature of Operations (Details)	Dec. 31, 2021
ACCOUNTING POLICIES [Abstract]
Percentage of loan portfolio secured by real estate	69.00%

ACCOUNTING POLICIES, Operating

ACCOUNTING POLICIES, Operating Segments (Details) - Segment	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Operating Segments [Abstract]
Number of reportable segments	1	1	1

ACCOUNTING POLICIES, Capitalize

ACCOUNTING POLICIES, Capitalized Mortgage Loan Servicing Rights (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Mortgage Loan Servicing Rights [Abstract]
Mortgage loan servicing fees	$ 7.9	$ 6.9	$ 6.2

ACCOUNTING POLICIES, Loan Reven

ACCOUNTING POLICIES, Loan Revenue Recognition (Details)	12 Months Ended
	Dec. 31, 2021Payment
Loan Revenue Recognition [Abstract]
Number of past due days for commercial loan, installment loans and payment plan receivables	90 days
Number of consecutive payments for mortgage loans missed	4

ACCOUNTING POLICIES, Property a

ACCOUNTING POLICIES, Property and Equipment (Details) - Maximum [Member]	12 Months Ended
	Dec. 31, 2021
Building [Member]
Property, Plant and Equipment, Useful Life [Abstract]
Estimated useful lives	39 years
Equipment [Member]
Property, Plant and Equipment, Useful Life [Abstract]
Estimated useful lives	7 years

ACCOUNTING POLICIES, Bank Owned

ACCOUNTING POLICIES, Bank Owned Life Insurance (Details)	Dec. 31, 2021Employee
Bank Owned Life Insurance [Abstract]
Number of lives of group flexible premium non-participating variable life insurance contract	260

ACCOUNTING POLICIES, Other Inta

ACCOUNTING POLICIES, Other Intangibles (Details)	12 Months Ended
	Dec. 31, 2021
Minimum [Member]
Finite Lived Intangible Asset Useful Life [Abstract]
Estimated useful lives	10 years
Maximum [Member]
Finite Lived Intangible Asset Useful Life [Abstract]
Estimated useful lives	15 years

ACCOUNTING POLICIES, Common Sto

ACCOUNTING POLICIES, Common Stock (Details) shares in Millions	Dec. 31, 2021shares
Dividend Reinvestment Plan [Member]
Reserved for Future Issuance [Abstract]
Common stock reserved for issuance (in shares)	0.1
Long-Term Incentive Plans [Member]
Reserved for Future Issuance [Abstract]
Common stock reserved for issuance (in shares)	0.8

ACCOUNTING POLICIES, Adoption o

ACCOUNTING POLICIES, Adoption of New Accounting Standards (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2021	Dec. 31, 2020		Dec. 31, 2019	Dec. 31, 2018
New Accounting Standards [Abstract]
Increase in allowance for credit losses					$ 0
Amortized cost basis of PCD assets, adjusted amount		$ 134
Loans [Abstract]
Loans	[1]		$ 2,733,678
Loans		2,905,045
Allowance for credit losses			(35,429)	[1]	(26,148)	$ (24,888)
Allowance for credit losses	[1]	(47,252)
Net Loans			2,698,249
Net Loans		2,857,793
Total Assets		4,704,740	4,204,013
Liabilities and shareholder's equity [Abstract]
Total Liabilities		4,306,256	3,814,491
Retained earnings		74,582	40,145
Total shareholders' equity		398,484	389,522		350,169	338,994
Total Liabilities and Shareholders' Equity		4,704,740	4,204,013
Commercial [Member]
New Accounting Standards [Abstract]
Amortized cost basis of PCD assets, adjusted amount		95
Loans [Abstract]
Loans	[1]		1,242,415
Loans		1,203,581
Allowance for credit losses			(7,401)	[1]	(7,922)	(7,090)
Allowance for credit losses		(11,519)
Mortgage [Member]
New Accounting Standards [Abstract]
Amortized cost basis of PCD assets, adjusted amount		18
Loans [Abstract]
Loans	[1]		1,015,926
Loans	[2]	1,139,659
Allowance for credit losses			(6,998)	[1]	(8,216)	(7,978)
Allowance for credit losses		(19,221)
Installment [Member]
New Accounting Standards [Abstract]
Amortized cost basis of PCD assets, adjusted amount		21
Loans [Abstract]
Loans	[1]		475,337
Loans	[2]	561,805
Allowance for credit losses			(1,112)	[1]	$ (1,283)	$ (895)
Allowance for credit losses		(3,749)
Cumulative Effect, Period of Adoption, Adjustment [Member]
Loans [Abstract]
Allowance for credit losses		(11,574)
Cumulative Effect, Period of Adoption, Adjustment [Member] | Commercial [Member]
Loans [Abstract]
Allowance for credit losses		(2,551)
Cumulative Effect, Period of Adoption, Adjustment [Member] | Mortgage [Member]
Loans [Abstract]
Allowance for credit losses		(12,000)
Cumulative Effect, Period of Adoption, Adjustment [Member] | Installment [Member]
Loans [Abstract]
Allowance for credit losses		$ (3,052)
ASU 2016-13 [Member]
New Accounting Standards [Abstract]
Increase in allowance for credit losses			11,700
Amortized cost basis of PCD assets, adjusted amount			130
Remaining noncredit discount, amount			340
ASU 2016-13 [Member] | Unfunded Loan Commitment [Member]
New Accounting Standards [Abstract]
Increase in allowance for credit losses			1,500
ASU 2016-13 [Member] | As Reported [Member]
Loans [Abstract]
Loans			2,733,812
Allowance for credit losses			(47,137)
Net Loans			2,686,675
Deferred tax assets	[3]		3,015
Total Assets			4,195,179
Liabilities and shareholder's equity [Abstract]
Allowance for credit losses on unfunded lending commitments (2)	[4]		3,274
Total Liabilities			3,815,960
Retained earnings			29,842
Total shareholders' equity			379,219
Total Liabilities and Shareholders' Equity			4,195,179
ASU 2016-13 [Member] | As Reported [Member] | Commercial [Member]
Loans [Abstract]
Loans			1,242,510
ASU 2016-13 [Member] | As Reported [Member] | Mortgage [Member]
Loans [Abstract]
Loans			1,015,944
ASU 2016-13 [Member] | As Reported [Member] | Installment [Member]
Loans [Abstract]
Loans			475,358
ASU 2016-13 [Member] | Impact, Adjustment [Member]
Loans [Abstract]
Loans			134
Allowance for credit losses			(11,708)
Net Loans			(11,574)
Deferred tax assets	[3]		2,740
Total Assets			(8,834)
Liabilities and shareholder's equity [Abstract]
Allowance for credit losses on unfunded lending commitments (2)	[4]		1,469
Total Liabilities			1,469
Retained earnings			(10,303)
Total shareholders' equity			(10,303)
Total Liabilities and Shareholders' Equity			(8,834)
ASU 2016-13 [Member] | Impact, Adjustment [Member] | Commercial [Member]
Loans [Abstract]
Loans			95
ASU 2016-13 [Member] | Impact, Adjustment [Member] | Mortgage [Member]
Loans [Abstract]
Loans			18
ASU 2016-13 [Member] | Impact, Adjustment [Member] | Installment [Member]
Loans [Abstract]
Loans			21
ASU 2016-13 [Member] | Previously Reported [Member]
Loans [Abstract]
Loans			2,733,678
Allowance for credit losses			(35,429)
Net Loans			2,698,249
Deferred tax assets	[3]		275
Total Assets			4,204,013
Liabilities and shareholder's equity [Abstract]
Allowance for credit losses on unfunded lending commitments (2)	[4]		1,805
Total Liabilities			3,814,491
Retained earnings			40,145
Total shareholders' equity			389,522
Total Liabilities and Shareholders' Equity			4,204,013
ASU 2016-13 [Member] | Previously Reported [Member] | Commercial [Member]
Loans [Abstract]
Loans			1,242,415
ASU 2016-13 [Member] | Previously Reported [Member] | Mortgage [Member]
Loans [Abstract]
Loans			1,015,926
ASU 2016-13 [Member] | Previously Reported [Member] | Installment [Member]
Loans [Abstract]
Loans			475,337
ASU 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Liabilities and shareholder's equity [Abstract]
Retained earnings			10,300
Total shareholders' equity			$ (10,303)
[1]	Beginning January 1, 2021, calculation is based on CECL methodology. Prior to January 1, 2021, calculation was based on the probable incurred loss methodology.
[2]	Credit scores have been updated within the last twelve months.
[3]	Included in Accrued income and other assets in our Consolidated Statements of Financial Condition.
[4]	Included in Accrued expenses and other liabilities in our Consolidated Statements of Financial Condition.

RESTRICTIONS ON CASH AND DUE _2

RESTRICTIONS ON CASH AND DUE FROM BANKS (Details) - USD ($) $ in Thousands	1 Months Ended	12 Months Ended
	Mar. 31, 2020	Dec. 31, 2021	Dec. 31, 2020
RESTRICTIONS ON CASH AND DUE FROM BANKS [Abstract]
Average reserve balances maintained	$ 0	$ 0	$ 9,200
Reserve balances held at unrelated financial institutions		$ 0	$ 740

SECURITIES, Available for sale,

SECURITIES, Available for sale, Gross Unrealized Losses and Fair Values (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2021USD ($)SecurityGrade	Dec. 31, 2020USD ($)	Dec. 31, 2019USD ($)
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized cost	$ 1,404,858	$ 1,052,132
Unrealized Gains	16,594	21,431
Unrealized Losses	8,622	1,404
Fair Value	1,412,830	1,072,159
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	607,923	148,169
Less Than Twelve Months, Unrealized Losses	8,077	989
Twelve Months or More, Fair Value	33,530	28,257
Twelve Months or More, Unrealized Losses	545	415
Total, Fair value	641,453	176,426
Total, Unrealized Losses	8,622	1,404
Available-for-sale, allowance for credit losses	0
Accrued interest receivable	6,000
Credit related charges recognized in earnings	0	0	$ 0
U.S. Agency [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized cost	34,634	10,456
Unrealized Gains	152	305
Unrealized Losses	112	13
Fair Value	34,674	10,748
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	11,986	1,469
Less Than Twelve Months, Unrealized Losses	109	3
Twelve Months or More, Fair Value	1,286	2,329
Twelve Months or More, Unrealized Losses	3	10
Total, Fair value	13,272	3,798
Total, Unrealized Losses	$ 112	13
Number of securities with market fair value less than amortized cost | Security	19
U.S. Agency Residential Mortgage-Backed [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized cost	$ 309,907	340,224
Unrealized Gains	1,952	4,951
Unrealized Losses	3,874	593
Fair Value	307,985	344,582
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	171,398	96,839
Less Than Twelve Months, Unrealized Losses	3,555	592
Twelve Months or More, Fair Value	19,024	83
Twelve Months or More, Unrealized Losses	319	1
Total, Fair value	190,422	96,922
Total, Unrealized Losses	$ 3,874	593
Number of securities with market fair value less than amortized cost | Security	67
U.S. Agency Commercial Mortgage-Backed [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized cost	$ 23,066	6,869
Unrealized Gains	84	326
Unrealized Losses	224	0
Fair Value	22,926	7,195
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	19,900
Less Than Twelve Months, Unrealized Losses	224
Twelve Months or More, Fair Value	0
Twelve Months or More, Unrealized Losses	0
Total, Fair value	19,900
Total, Unrealized Losses	$ 224
Number of securities with market fair value less than amortized cost | Security	23
Private Label Mortgage-Backed [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized cost	$ 102,480	41,429
Unrealized Gains	807	1,539
Unrealized Losses	672	139
Fair Value	102,615	42,829
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	64,408	11,838
Less Than Twelve Months, Unrealized Losses	640	95
Twelve Months or More, Fair Value	2,180	2,050
Twelve Months or More, Unrealized Losses	32	44
Total, Fair value	66,588	13,888
Total, Unrealized Losses	$ 672	139
Number of securities with market fair value less than amortized cost | Security	49
Other Asset Backed [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized cost	$ 215,235	252,596
Unrealized Gains	1,204	1,796
Unrealized Losses	269	211
Fair Value	216,170	254,181
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	86,581	7,142
Less Than Twelve Months, Unrealized Losses	248	25
Twelve Months or More, Fair Value	978	21,197
Twelve Months or More, Unrealized Losses	21	186
Total, Fair value	87,559	28,339
Total, Unrealized Losses	$ 269	211
Number of securities with market fair value less than amortized cost | Security	51
Obligations of States and Political Subdivisions [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized cost	$ 568,355	315,780
Unrealized Gains	9,942	8,691
Unrealized Losses	2,221	178
Fair Value	576,076	324,293
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	178,484	28,957
Less Than Twelve Months, Unrealized Losses	2,151	177
Twelve Months or More, Fair Value	7,093	800
Twelve Months or More, Unrealized Losses	70	1
Total, Fair value	185,577	29,757
Total, Unrealized Losses	$ 2,221	178
Number of securities with market fair value less than amortized cost | Security	281
Corporate [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized cost	$ 148,707	82,307
Unrealized Gains	2,446	3,807
Unrealized Losses	1,194	97
Fair Value	149,959	86,017
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	75,166	1,924
Less Than Twelve Months, Unrealized Losses	1,150	97
Twelve Months or More, Fair Value	1,050	0
Twelve Months or More, Unrealized Losses	44	0
Total, Fair value	76,216	1,924
Total, Unrealized Losses	$ 1,194	97
Number of securities with market fair value less than amortized cost | Security	57
Trust Preferred [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized cost	$ 1,975	1,971
Unrealized Gains	0	0
Unrealized Losses	56	173
Fair Value	1,919	1,798
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	0	0
Less Than Twelve Months, Unrealized Losses	0	0
Twelve Months or More, Fair Value	1,919	1,798
Twelve Months or More, Unrealized Losses	56	173
Total, Fair value	1,919	1,798
Total, Unrealized Losses	$ 56	173
Number of securities with market fair value less than amortized cost | Security	2
Number of issues rated as investment grade | Grade	1
Number of securities not rated | Security	1
Non-rated securities, amortized cost	$ 1,000
Fair value of non-rated trust preferred securities	960
Foreign Government [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized cost	499	500
Unrealized Gains	7	16
Unrealized Losses	0	0
Fair Value	$ 506	$ 516

SECURITIES, Amortized Cost and

SECURITIES, Amortized Cost and Fair Value Securities Available for Sale Contractual Maturities (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Available-for-sale Securities, Debt Maturities, Amortized Cost Basis, Fiscal Year Maturity [Abstract]
Maturing within one year	$ 13,874
Maturing after one year but within five years	133,681
Maturing after five years but within ten years	266,057
Maturing after ten years	340,558
Amortized cost	754,170
U.S. agency residential mortgage-backed	309,907
U.S. agency commercial mortgage-backed	23,066
Private label mortgage-backed	102,480
Other asset backed	215,235
Amortized cost	1,404,858	$ 1,052,132
Available-for-sale Securities, Debt Maturities, Fair Value, Fiscal Year Maturity [Abstract]
Maturing within one year	13,991
Maturing after one year but within five years	134,901
Maturing after five years but within ten years	266,282
Maturing after ten years	347,960
Total available-for-sale securities fair value	763,134
U.S. agency residential mortgage-backed	307,985
U.S. agency commercial mortgage-backed	22,926
Private label mortgage-backed	102,615
Other asset backed	216,170
Total	$ 1,412,830	$ 1,072,159

SECURITIES, Gains and Losses Re

SECURITIES, Gains and Losses Realized on Sale of Securities Available for Sale (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Gain and losses realized on sale of securities available for sale [Abstract]
Proceeds	$ 85,371	$ 38,095	$ 68,716
Realized gains	1,475	271	248
Realized losses	64	4	108
Trading securities, realized gains			$ 170
Pledged securities with book value	$ 10,500	$ 14,000
Shareholder equity threshold not exceeded by revenue or taxing authority amount	10.00%	10.00%

LOANS, Loan Portfolios (Details

LOANS, Loan Portfolios (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Loans [Abstract]
Total loans		$ 2,905,045
Total loans	[1]		$ 2,733,678
Net of deferred loan costs		22,400	14,600
Proceeds from sale of loans		10,032	2,395	$ 50,516
Gain (loss) on sale of loans		35,880	62,560	19,978
Residential Fixed Rate Mortgage [Member]
Loans [Abstract]
Proceeds from sale of loans		9,600
Gain (loss) on sale of loans		450
Residential Fixed Rate Mortgage [Member] | Freddie Mac [Member]
Loans [Abstract]
Proceeds from sale of loans			26,300
Gain (loss) on sale of loans			720
Residential Fixed and Adjustable Rate Mortgage [Member]
Loans [Abstract]
Proceeds from sale of loans				9,900
Gain (loss) on sale of loans				70
Real Estate [Member] | Residential First Mortgages [Member]
Loans [Abstract]
Total loans	[2]	870,169
Total loans	[2]		792,762
Real Estate [Member] | Residential Home Equity and Other Junior Mortgages [Member]
Loans [Abstract]
Total loans	[2]	128,801
Total loans	[2]		138,128
Real Estate [Member] | Construction and Land Development [Member]
Loans [Abstract]
Total loans	[2]	278,992
Total loans	[2]		232,693
Real Estate [Member] | Other [Member]
Loans [Abstract]
Total loans	[2],[3]	726,224
Total loans	[2],[3]		669,150
Consumer [Member]
Loans [Abstract]
Total loans		339,785
Total loans			468,090
Commercial [Member]
Loans [Abstract]
Total loans		555,696
Total loans			429,011
Agricultural [Member]
Loans [Abstract]
Total loans		5,378
Total loans			3,844
Mortgage [Member]
Loans [Abstract]
Total loans	[4]	$ 1,139,659
Total loans	[1]		1,015,926
Mortgage [Member] | Residential Adjustable Rate Mortgage [Member]
Loans [Abstract]
Proceeds from sale of loans				40,600
Gain (loss) on sale of loans				10
Mortgage [Member] | Residential Fixed Rate Mortgage [Member]
Loans [Abstract]
Proceeds from sale of loans			2,400
Gain (loss) on sale of loans			$ 70
Mortgage [Member] | Residential Fixed Rate Mortgage [Member] | Freddie Mac [Member]
Loans [Abstract]
Proceeds from sale of loans				65,100
Gain (loss) on sale of loans				$ 1,700
[1]	Beginning January 1, 2021, calculation is based on CECL methodology. Prior to January 1, 2021, calculation was based on the probable incurred loss methodology.
[2]	Includes both residential and non-residential commercial loans secured by real estate.
[3]	Includes loans secured by multi-family residential and non-farm, non-residential property.
[4]	Credit scores have been updated within the last twelve months.

LOANS, Allowance for Credit Los

LOANS, Allowance for Credit Losses (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2021		Dec. 31, 2020		Dec. 31, 2019
Analysis of allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		$ 35,429	[1]	$ 26,148		$ 24,888
Additions (deductions) [Abstract]
Impact of adoption of CECL	[1]	47,252
Provision for credit losses	[1]	(1,928)
Provision for credit losses	[1]			12,463		824
Initial allowance on loans purchased with credit deterioration		134
Recoveries credited to allowance		4,477		3,069		3,961
Loans charged against the allowance		(2,434)		(6,251)		(3,525)
Balance at end of period				$ 35,429	[1]	26,148
Balance at end of period	[1]	$ 47,252
Percent of loans to total portfolio loans		100.00%		100.00%
Impact of Adoption [Member]
Additions (deductions) [Abstract]
Impact of adoption of CECL		$ 11,574
Balance at end of period		11,574
Commercial [Member]
Analysis of allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		7,401	[1]	$ 7,922		7,090
Additions (deductions) [Abstract]
Impact of adoption of CECL		11,519
Provision for credit losses		(1,135)
Provision for credit losses	[1]			1,751		(651)
Initial allowance on loans purchased with credit deterioration		95
Recoveries credited to allowance		2,607		1,804		2,165
Loans charged against the allowance		0		(4,076)		(682)
Balance at end of period				$ 7,401	[1]	7,922
Balance at end of period		$ 11,519
Percent of loans to total portfolio loans		41.50%		45.40%
Commercial [Member] | Impact of Adoption [Member]
Additions (deductions) [Abstract]
Impact of adoption of CECL		$ 2,551
Balance at end of period		2,551
Mortgage [Member]
Analysis of allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		6,998	[1]	$ 8,216		7,978
Additions (deductions) [Abstract]
Impact of adoption of CECL		19,221
Provision for credit losses		(266)
Provision for credit losses	[1]			(915)		526
Initial allowance on loans purchased with credit deterioration		18
Recoveries credited to allowance		846		513		933
Loans charged against the allowance		(375)		(816)		(1,221)
Balance at end of period				$ 6,998	[1]	8,216
Balance at end of period		$ 19,221
Percent of loans to total portfolio loans		39.20%		37.20%
Mortgage [Member] | Impact of Adoption [Member]
Additions (deductions) [Abstract]
Impact of adoption of CECL		$ 12,000
Balance at end of period		12,000
Installment [Member]
Analysis of allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		1,112	[1]	$ 1,283		895
Additions (deductions) [Abstract]
Impact of adoption of CECL		3,749
Provision for credit losses		599
Provision for credit losses	[1]			436		1,147
Initial allowance on loans purchased with credit deterioration		21
Recoveries credited to allowance		1,024		752		863
Loans charged against the allowance		(2,059)		(1,359)		(1,622)
Balance at end of period				$ 1,112	[1]	1,283
Balance at end of period		$ 3,749
Percent of loans to total portfolio loans		19.30%		17.40%
Installment [Member] | Impact of Adoption [Member]
Additions (deductions) [Abstract]
Impact of adoption of CECL		$ 3,052
Balance at end of period		3,052
Subjective Allocation [Member]
Analysis of allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		19,918	[1]	$ 8,727		8,925
Additions (deductions) [Abstract]
Impact of adoption of CECL		12,763
Provision for credit losses		(1,126)
Provision for credit losses	[1]			11,191		(198)
Initial allowance on loans purchased with credit deterioration		0
Recoveries credited to allowance		0		0		0
Loans charged against the allowance		0		0		0
Balance at end of period				$ 19,918	[1]	$ 8,727
Balance at end of period		$ 12,763
Percent of loans to total portfolio loans		0.00%		0.00%
Subjective Allocation [Member] | Impact of Adoption [Member]
Additions (deductions) [Abstract]
Impact of adoption of CECL		$ (6,029)
Balance at end of period		$ (6,029)
[1]	Beginning January 1, 2021, calculation is based on CECL methodology. Prior to January 1, 2021, calculation was based on the probable incurred loss methodology.

LOANS, Allowance for Credit L_2

LOANS, Allowance for Credit Losses, Probable Incurred Loss Methodology (Details) - USD ($) $ in Thousands		Dec. 31, 2020		Dec. 31, 2019	Dec. 31, 2018
ACL [Abstract]
Individually evaluated for impairment	[1]	$ 5,581
Collectively evaluated for impairment	[1]	29,848
Total ending ACL		35,429	[1]	$ 26,148	$ 24,888
Loans [Abstract]
Individually evaluated for impairment	[1]	50,672
Collectively evaluated for impairment	[1]	2,690,880
Total loans recorded investment	[1]	2,742,577
Accrued interest included in recorded investment	[1]	8,899
Total loans	[1]	2,733,678
Loans Acquired with Deteriorated Credit Quality [Member]
ACL [Abstract]
Loans acquired with deteriorated credit quality	[1]	0
Loans [Abstract]
Loans acquired with deteriorated credit quality	[1]	1,025
Commercial [Member]
ACL [Abstract]
Individually evaluated for impairment	[1]	1,266
Collectively evaluated for impairment	[1]	6,135
Total ending ACL		7,401	[1]	7,922	7,090
Loans [Abstract]
Individually evaluated for impairment	[1]	9,431
Collectively evaluated for impairment	[1]	1,236,052
Total loans recorded investment	[1]	1,245,951
Accrued interest included in recorded investment	[1]	3,536
Total loans	[1]	1,242,415
Commercial [Member] | Loans Acquired with Deteriorated Credit Quality [Member]
ACL [Abstract]
Loans acquired with deteriorated credit quality	[1]	0
Loans [Abstract]
Loans acquired with deteriorated credit quality	[1]	468
Mortgage [Member]
ACL [Abstract]
Individually evaluated for impairment	[1]	4,124
Collectively evaluated for impairment	[1]	2,874
Total ending ACL		6,998	[1]	8,216	7,978
Loans [Abstract]
Individually evaluated for impairment	[1]	39,245
Collectively evaluated for impairment	[1]	980,449
Total loans recorded investment	[1]	1,020,104
Accrued interest included in recorded investment	[1]	4,178
Total loans	[1]	1,015,926
Mortgage [Member] | Loans Acquired with Deteriorated Credit Quality [Member]
ACL [Abstract]
Loans acquired with deteriorated credit quality	[1]	0
Loans [Abstract]
Loans acquired with deteriorated credit quality	[1]	410
Installment [Member]
ACL [Abstract]
Individually evaluated for impairment	[1]	191
Collectively evaluated for impairment	[1]	921
Total ending ACL		1,112	[1]	1,283	895
Loans [Abstract]
Individually evaluated for impairment	[1]	1,996
Collectively evaluated for impairment	[1]	474,379
Total loans recorded investment	[1]	476,522
Accrued interest included in recorded investment	[1]	1,185
Total loans	[1]	475,337
Installment [Member] | Loans Acquired with Deteriorated Credit Quality [Member]
ACL [Abstract]
Loans acquired with deteriorated credit quality	[1]	0
Loans [Abstract]
Loans acquired with deteriorated credit quality	[1]	147
Subjective Allocation [Member]
ACL [Abstract]
Individually evaluated for impairment	[1]	0
Collectively evaluated for impairment	[1]	19,918
Total ending ACL		19,918	[1]	$ 8,727	$ 8,925
Subjective Allocation [Member] | Loans Acquired with Deteriorated Credit Quality [Member]
ACL [Abstract]
Loans acquired with deteriorated credit quality	[1]	$ 0
[1]	Beginning January 1, 2021, calculation is based on CECL methodology. Prior to January 1, 2021, calculation was based on the probable incurred loss methodology.

LOANS, Receivables Past Due (De

LOANS, Receivables Past Due (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Non performing loans [Abstract]
Accrued interest excluded from total		$ 6,836
Accrued Interest		200	$ 500	$ 400
Interest Income		0	0	$ 0
Loans Past Due, 90+ days [Member]
Non performing loans [Abstract]
Accrued interest excluded from total		0
Commercial and Industrial [Member]
Non performing loans [Abstract]
Government guaranteed loans excluded from non-performing loans		47	53
1-4 Family Owner Occupied - Non-jumbo [Member]
Non performing loans [Abstract]
Government guaranteed loans excluded from non-performing loans		388	386
Commercial [Member]
Non performing loans [Abstract]
Accrued interest excluded from total		2,538
Commercial [Member] | Commercial and Industrial [Member]
Non performing loans [Abstract]
Accrued interest excluded from total		1,373
Commercial [Member] | Commercial Real Estate [Member]
Non performing loans [Abstract]
Accrued interest excluded from total		1,165
Mortgage [Member]
Non performing loans [Abstract]
Accrued interest excluded from total	[1]	2,998
Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member]
Non performing loans [Abstract]
Accrued interest excluded from total	[1]	1,290
Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member]
Non performing loans [Abstract]
Accrued interest excluded from total	[1]	798
Mortgage [Member] | 1-4 Family Non-owner Occupied [Member]
Non performing loans [Abstract]
Accrued interest excluded from total	[1]	513
Mortgage [Member] | 1-4 Family - 2nd Lien [Member]
Non performing loans [Abstract]
Accrued interest excluded from total	[1]	283
Mortgage [Member] | Resort Lending [Member]
Non performing loans [Abstract]
Accrued interest excluded from total	[1]	114
Installment [Member]
Non performing loans [Abstract]
Accrued interest excluded from total	[1]	1,300
Installment [Member] | Boat Lending [Member]
Non performing loans [Abstract]
Accrued interest excluded from total	[1]	537
Installment [Member] | Recreational Vehicle Lending [Member]
Non performing loans [Abstract]
Accrued interest excluded from total	[1]	546
Installment [Member] | Other [Member]
Non performing loans [Abstract]
Accrued interest excluded from total	[1]	217
Non-Performing Loans [Member]
Non performing loans [Abstract]
Non-Accrual with no Allowance for Credit Loss	[2]	1,319
Non-Accrual with an Allowance for Credit Loss	[2]	3,791
Total Non-Accrual	[2]	5,110
90+ and Still Accruing	[2]	0
Total Non-performing Loans	[2]	5,110	7,873
Accrued interest excluded from total	[2]	0	0
Non-Performing Loans [Member] | Loans Past Due, 90+ days [Member]
Non performing loans [Abstract]
Accrued interest excluded from total	[2]	0
Non-Performing Loans [Member] | Commercial [Member] | Commercial and Industrial [Member]
Non performing loans [Abstract]
Non-Accrual with no Allowance for Credit Loss	[2],[3]	0
Non-Accrual with an Allowance for Credit Loss	[2],[3]	15
Total Non-Accrual	[2],[3]	15
90+ and Still Accruing	[2],[3]	0
Total Non-performing Loans	[2],[3]	15	1,387
Non-Performing Loans [Member] | Commercial [Member] | Commercial Real Estate [Member]
Non performing loans [Abstract]
Non-Accrual with no Allowance for Credit Loss	[2]	0
Non-Accrual with an Allowance for Credit Loss	[2]	0
Total Non-Accrual	[2]	0
90+ and Still Accruing	[2]	0
Total Non-performing Loans	[2]	0	0
Non-Performing Loans [Member] | Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member]
Non performing loans [Abstract]
Non-Accrual with no Allowance for Credit Loss	[2]	607
Non-Accrual with an Allowance for Credit Loss	[2]	0
Total Non-Accrual	[2]	607
90+ and Still Accruing	[2]	0
Total Non-performing Loans	[2]	607	623
Non-Performing Loans [Member] | Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member]
Non performing loans [Abstract]
Non-Accrual with no Allowance for Credit Loss	[2],[4]	137
Non-Accrual with an Allowance for Credit Loss	[2],[4]	1,815
Total Non-Accrual	[2],[4]	1,952
90+ and Still Accruing	[2],[4]	0
Total Non-performing Loans	[2],[4]	1,952	2,281
Non-Performing Loans [Member] | Mortgage [Member] | 1-4 Family Non-owner Occupied [Member]
Non performing loans [Abstract]
Non-Accrual with no Allowance for Credit Loss	[2]	275
Non-Accrual with an Allowance for Credit Loss	[2]	592
Total Non-Accrual	[2]	867
90+ and Still Accruing	[2]	0
Total Non-performing Loans	[2]	867	1,112
Non-Performing Loans [Member] | Mortgage [Member] | 1-4 Family - 2nd Lien [Member]
Non performing loans [Abstract]
Non-Accrual with no Allowance for Credit Loss	[2]	182
Non-Accrual with an Allowance for Credit Loss	[2]	681
Total Non-Accrual	[2]	863
90+ and Still Accruing	[2]	0
Total Non-performing Loans	[2]	863	1,344
Non-Performing Loans [Member] | Mortgage [Member] | Resort Lending [Member]
Non performing loans [Abstract]
Non-Accrual with no Allowance for Credit Loss	[2]	118
Non-Accrual with an Allowance for Credit Loss	[2]	119
Total Non-Accrual	[2]	237
90+ and Still Accruing	[2]	0
Total Non-performing Loans	[2]	237	607
Non-Performing Loans [Member] | Installment [Member] | Boat Lending [Member]
Non performing loans [Abstract]
Non-Accrual with no Allowance for Credit Loss	[2]	0
Non-Accrual with an Allowance for Credit Loss	[2]	210
Total Non-Accrual	[2]	210
90+ and Still Accruing	[2]	0
Total Non-performing Loans	[2]	210	52
Non-Performing Loans [Member] | Installment [Member] | Recreational Vehicle Lending [Member]
Non performing loans [Abstract]
Non-Accrual with no Allowance for Credit Loss	[2]	0
Non-Accrual with an Allowance for Credit Loss	[2]	177
Total Non-Accrual	[2]	177
90+ and Still Accruing	[2]	0
Total Non-performing Loans	[2]	177	74
Non-Performing Loans [Member] | Installment [Member] | Other [Member]
Non performing loans [Abstract]
Non-Accrual with no Allowance for Credit Loss	[2]	0
Non-Accrual with an Allowance for Credit Loss	[2]	182
Total Non-Accrual	[2]	182
90+ and Still Accruing	[2]	0
Total Non-performing Loans	[2]	$ 182	$ 393
[1]	Credit scores have been updated within the last twelve months.
[2]	Non-performing loans exclude purchase credit impaired loans.
[3]	Non-performing commercial and industrial loans exclude $0.047 million and $0.053 million of government guaranteed loans at December 31, 2021 and 2020, respectively.
[4]	Non-performing 1-4 family owner occupied – non jumbo loans exclude $0.388 million and $0.386 million of government guaranteed loans at December 31, 2021 and 2020, respectively.

LOANS, Amortized Cost of Collat

LOANS, Amortized Cost of Collateral-dependent Loans by Class (Details) $ in Thousands	Dec. 31, 2021USD ($)
Collateral-dependent Loans by Class [Abstract]
Total loans	$ 2,905,045
Allowance for credit losses	47,252	[1]
Accrued interest excluded from total	6,836
Collateral Dependent Loans [Member]
Collateral-dependent Loans by Class [Abstract]
Allowance for credit losses	635
Real Estate [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans	2,795
Accrued interest excluded from total	0
Other Loan [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans	516
Accrued interest excluded from total	1
Commercial [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans	1,203,581
Allowance for credit losses	11,519
Accrued interest excluded from total	2,538
Commercial [Member] | Commercial and Industrial [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans	593,112
Accrued interest excluded from total	1,373
Commercial [Member] | Commercial and Industrial [Member] | Collateral Dependent Loans [Member]
Collateral-dependent Loans by Class [Abstract]
Allowance for credit losses	51
Commercial [Member] | Commercial and Industrial [Member] | Real Estate [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans	80
Commercial [Member] | Commercial and Industrial [Member] | Other Loan [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans	245
Commercial [Member] | Commercial Real Estate [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans	610,469
Accrued interest excluded from total	1,165
Commercial [Member] | Commercial Real Estate [Member] | Collateral Dependent Loans [Member]
Collateral-dependent Loans by Class [Abstract]
Allowance for credit losses	19
Commercial [Member] | Commercial Real Estate [Member] | Real Estate [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans	84
Commercial [Member] | Commercial Real Estate [Member] | Other Loan [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans	0
Mortgage [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans	1,139,659	[2]
Allowance for credit losses	19,221
Accrued interest excluded from total	2,998	[2]
Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans	541,023	[2]
Accrued interest excluded from total	1,290	[2]
Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member] | Collateral Dependent Loans [Member]
Collateral-dependent Loans by Class [Abstract]
Allowance for credit losses	0
Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member] | Real Estate [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans	607
Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member] | Other Loan [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans	0
Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans	266,410	[2]
Accrued interest excluded from total	798	[2]
Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member] | Collateral Dependent Loans [Member]
Collateral-dependent Loans by Class [Abstract]
Allowance for credit losses	286
Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member] | Real Estate [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans	940
Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member] | Other Loan [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans	0
Mortgage [Member] | 1-4 Family Non-owner Occupied [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans	194,852	[2]
Accrued interest excluded from total	513	[2]
Mortgage [Member] | 1-4 Family Non-owner Occupied [Member] | Collateral Dependent Loans [Member]
Collateral-dependent Loans by Class [Abstract]
Allowance for credit losses	72
Mortgage [Member] | 1-4 Family Non-owner Occupied [Member] | Real Estate [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans	477
Mortgage [Member] | 1-4 Family Non-owner Occupied [Member] | Other Loan [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans	0
Mortgage [Member] | 1-4 Family - 2nd Lien [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans	88,729	[2]
Accrued interest excluded from total	283	[2]
Mortgage [Member] | 1-4 Family - 2nd Lien [Member] | Collateral Dependent Loans [Member]
Collateral-dependent Loans by Class [Abstract]
Allowance for credit losses	67
Mortgage [Member] | 1-4 Family - 2nd Lien [Member] | Real Estate [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans	370
Mortgage [Member] | 1-4 Family - 2nd Lien [Member] | Other Loan [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans	0
Mortgage [Member] | Resort Lending [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans	48,645	[2]
Accrued interest excluded from total	114	[2]
Mortgage [Member] | Resort Lending [Member] | Collateral Dependent Loans [Member]
Collateral-dependent Loans by Class [Abstract]
Allowance for credit losses	42
Mortgage [Member] | Resort Lending [Member] | Real Estate [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans	237
Mortgage [Member] | Resort Lending [Member] | Other Loan [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans	0
Installment [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans	561,805	[2]
Allowance for credit losses	3,749
Accrued interest excluded from total	1,300	[2]
Installment [Member] | Boat Lending [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans	228,140	[2]
Accrued interest excluded from total	537	[2]
Installment [Member] | Boat Lending [Member] | Collateral Dependent Loans [Member]
Collateral-dependent Loans by Class [Abstract]
Allowance for credit losses	29
Installment [Member] | Boat Lending [Member] | Real Estate [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans	0
Installment [Member] | Boat Lending [Member] | Other Loan [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans	80
Installment [Member] | Recreational Vehicle Lending [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans	234,745	[2]
Accrued interest excluded from total	546	[2]
Installment [Member] | Recreational Vehicle Lending [Member] | Collateral Dependent Loans [Member]
Collateral-dependent Loans by Class [Abstract]
Allowance for credit losses	44
Installment [Member] | Recreational Vehicle Lending [Member] | Real Estate [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans	0
Installment [Member] | Recreational Vehicle Lending [Member] | Other Loan [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans	121
Installment [Member] | Other [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans	98,920	[2]
Accrued interest excluded from total	217	[2]
Installment [Member] | Other [Member] | Collateral Dependent Loans [Member]
Collateral-dependent Loans by Class [Abstract]
Allowance for credit losses	25
Installment [Member] | Other [Member] | Real Estate [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans	0
Installment [Member] | Other [Member] | Other Loan [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans	$ 70
[1]	Beginning January 1, 2021, calculation is based on CECL methodology. Prior to January 1, 2021, calculation was based on the probable incurred loss methodology.
[2]	Credit scores have been updated within the last twelve months.

LOANS, Aging Analysis of Loans

LOANS, Aging Analysis of Loans by Class (Details) - USD ($) $ in Thousands		Dec. 31, 2021	Dec. 31, 2020
Aging analysis of loans by class [Abstract]
Total loans		$ 2,905,045
Total loans recorded investment	[1]		$ 2,742,577
Accrued interest excluded from total		6,836
Accrued interest included in recorded investment	[1]		8,899
Loans Past Due Total [Member]
Aging analysis of loans by class [Abstract]
Total loans		5,531	17,271
Accrued interest excluded from total		34
Accrued interest included in recorded investment			169
Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total loans		2,350	12,817
Accrued interest excluded from total		25
Accrued interest included in recorded investment			147
Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total loans		646	1,446
Accrued interest excluded from total		9
Accrued interest included in recorded investment			22
Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total loans		2,535	3,008
Accrued interest excluded from total		0
Accrued interest included in recorded investment			0
Loans Not Past Due [Member]
Aging analysis of loans by class [Abstract]
Total loans		2,899,514	2,725,306
Accrued interest excluded from total		6,802
Accrued interest included in recorded investment			8,730
Commercial [Member]
Aging analysis of loans by class [Abstract]
Total loans		1,203,581
Total loans recorded investment	[1]		1,245,951
Accrued interest excluded from total		2,538
Accrued interest included in recorded investment	[1]		3,536
Commercial [Member] | Commercial and Industrial [Member]
Aging analysis of loans by class [Abstract]
Total loans		593,112
Total loans recorded investment			676,319
Accrued interest excluded from total		1,373
Commercial [Member] | Commercial and Industrial [Member] | Loans Past Due Total [Member]
Aging analysis of loans by class [Abstract]
Total loans		64	5,204
Commercial [Member] | Commercial and Industrial [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total loans		0	5,003
Commercial [Member] | Commercial and Industrial [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total loans		2	131
Commercial [Member] | Commercial and Industrial [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total loans		62	70
Commercial [Member] | Commercial and Industrial [Member] | Loans Not Past Due [Member]
Aging analysis of loans by class [Abstract]
Total loans		593,048	671,115
Commercial [Member] | Commercial Real Estate [Member]
Aging analysis of loans by class [Abstract]
Total loans		610,469
Total loans recorded investment			569,632
Accrued interest excluded from total		1,165
Commercial [Member] | Commercial Real Estate [Member] | Loans Past Due Total [Member]
Aging analysis of loans by class [Abstract]
Total loans		0	2,600
Commercial [Member] | Commercial Real Estate [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total loans		0	2,600
Commercial [Member] | Commercial Real Estate [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total loans		0	0
Commercial [Member] | Commercial Real Estate [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total loans		0	0
Commercial [Member] | Commercial Real Estate [Member] | Loans Not Past Due [Member]
Aging analysis of loans by class [Abstract]
Total loans		610,469	567,032
Mortgage [Member]
Aging analysis of loans by class [Abstract]
Total loans	[2]	1,139,659
Total loans recorded investment	[1]		1,020,104
Accrued interest excluded from total	[2]	2,998
Accrued interest included in recorded investment	[1]		4,178
Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member]
Aging analysis of loans by class [Abstract]
Total loans	[2]	541,023
Total loans recorded investment			440,178
Accrued interest excluded from total	[2]	1,290
Accrued interest included in recorded investment			1,301
Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member] | Loans Past Due Total [Member]
Aging analysis of loans by class [Abstract]
Total loans		607	1,384
Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total loans		0	761
Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total loans		0	0
Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total loans		607	623
Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member] | Loans Not Past Due [Member]
Aging analysis of loans by class [Abstract]
Total loans		540,416	438,794
Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member]
Aging analysis of loans by class [Abstract]
Total loans	[2]	266,410
Total loans recorded investment			267,573
Accrued interest excluded from total	[2]	798
Accrued interest included in recorded investment			1,641
Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member] | Loans Past Due Total [Member]
Aging analysis of loans by class [Abstract]
Total loans		1,839	2,843
Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total loans		774	1,888
Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total loans		408	453
Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total loans		657	502
Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member] | Loans Not Past Due [Member]
Aging analysis of loans by class [Abstract]
Total loans		264,571	264,730
Mortgage [Member] | 1-4 Family Non-owner Occupied [Member]
Aging analysis of loans by class [Abstract]
Total loans	[2]	194,852
Total loans recorded investment			159,776
Accrued interest excluded from total	[2]	513
Accrued interest included in recorded investment			587
Mortgage [Member] | 1-4 Family Non-owner Occupied [Member] | Loans Past Due Total [Member]
Aging analysis of loans by class [Abstract]
Total loans		575	1,799
Mortgage [Member] | 1-4 Family Non-owner Occupied [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total loans		87	1,184
Mortgage [Member] | 1-4 Family Non-owner Occupied [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total loans		26	139
Mortgage [Member] | 1-4 Family Non-owner Occupied [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total loans		462	476
Mortgage [Member] | 1-4 Family Non-owner Occupied [Member] | Loans Not Past Due [Member]
Aging analysis of loans by class [Abstract]
Total loans		194,277	157,977
Mortgage [Member] | 1-4 Family - 2nd Lien [Member]
Aging analysis of loans by class [Abstract]
Total loans	[2]	88,729
Total loans recorded investment			94,530
Accrued interest excluded from total	[2]	283
Accrued interest included in recorded investment			373
Mortgage [Member] | 1-4 Family - 2nd Lien [Member] | Loans Past Due Total [Member]
Aging analysis of loans by class [Abstract]
Total loans		771	1,670
Mortgage [Member] | 1-4 Family - 2nd Lien [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total loans		422	710
Mortgage [Member] | 1-4 Family - 2nd Lien [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total loans		60	228
Mortgage [Member] | 1-4 Family - 2nd Lien [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total loans		289	732
Mortgage [Member] | 1-4 Family - 2nd Lien [Member] | Loans Not Past Due [Member]
Aging analysis of loans by class [Abstract]
Total loans		87,958	92,860
Mortgage [Member] | Resort Lending [Member]
Aging analysis of loans by class [Abstract]
Total loans	[2]	48,645
Total loans recorded investment			58,047
Accrued interest excluded from total	[2]	114
Accrued interest included in recorded investment			276
Mortgage [Member] | Resort Lending [Member] | Loans Past Due Total [Member]
Aging analysis of loans by class [Abstract]
Total loans		237	585
Mortgage [Member] | Resort Lending [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total loans		0	32
Mortgage [Member] | Resort Lending [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total loans		0	195
Mortgage [Member] | Resort Lending [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total loans		237	358
Mortgage [Member] | Resort Lending [Member] | Loans Not Past Due [Member]
Aging analysis of loans by class [Abstract]
Total loans		48,408	57,462
Installment [Member]
Aging analysis of loans by class [Abstract]
Total loans	[2]	561,805
Total loans recorded investment	[1]		476,522
Accrued interest excluded from total	[2]	1,300
Accrued interest included in recorded investment	[1]		1,185
Installment [Member] | Boat Lending [Member]
Aging analysis of loans by class [Abstract]
Total loans	[2]	228,140
Total loans recorded investment			207,513
Accrued interest excluded from total	[2]	537
Accrued interest included in recorded investment			572
Installment [Member] | Boat Lending [Member] | Loans Past Due Total [Member]
Aging analysis of loans by class [Abstract]
Total loans		518	196
Installment [Member] | Boat Lending [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total loans		438	95
Installment [Member] | Boat Lending [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total loans		28	101
Installment [Member] | Boat Lending [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total loans		52	0
Installment [Member] | Boat Lending [Member] | Loans Not Past Due [Member]
Aging analysis of loans by class [Abstract]
Total loans		227,622	207,317
Installment [Member] | Recreational Vehicle Lending [Member]
Aging analysis of loans by class [Abstract]
Total loans	[2]	234,745
Total loans recorded investment			169,574
Accrued interest excluded from total	[2]	546
Accrued interest included in recorded investment			457
Installment [Member] | Recreational Vehicle Lending [Member] | Loans Past Due Total [Member]
Aging analysis of loans by class [Abstract]
Total loans		562	292
Installment [Member] | Recreational Vehicle Lending [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total loans		377	207
Installment [Member] | Recreational Vehicle Lending [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total loans		65	37
Installment [Member] | Recreational Vehicle Lending [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total loans		120	48
Installment [Member] | Recreational Vehicle Lending [Member] | Loans Not Past Due [Member]
Aging analysis of loans by class [Abstract]
Total loans		234,183	169,282
Installment [Member] | Other [Member]
Aging analysis of loans by class [Abstract]
Total loans	[2]	98,920
Total loans recorded investment			99,435
Accrued interest excluded from total	[2]	217
Accrued interest included in recorded investment			156
Installment [Member] | Other [Member] | Loans Past Due Total [Member]
Aging analysis of loans by class [Abstract]
Total loans		358	698
Installment [Member] | Other [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total loans		252	337
Installment [Member] | Other [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total loans		57	162
Installment [Member] | Other [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total loans		49	199
Installment [Member] | Other [Member] | Loans Not Past Due [Member]
Aging analysis of loans by class [Abstract]
Total loans		$ 98,562	$ 98,737
[1]	Beginning January 1, 2021, calculation is based on CECL methodology. Prior to January 1, 2021, calculation was based on the probable incurred loss methodology.
[2]	Credit scores have been updated within the last twelve months.

LOANS, Impaired Financing Recei

LOANS, Impaired Financing Receivables (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2020	Dec. 31, 2019
Impaired loans with no allocated ACL [Abstract]
TDR		$ 93
Non - TDR		1,367
Impaired loans with an allocated ACL [Abstract]
TDR - allowance based on collateral		9,027
TDR - allowance based on present value cash flow		37,953
Non - TDR - allowance based on collateral		1,873
Total impaired loans		50,313
Amount of ACL allocated [Abstract]
TDR - allowance based on collateral	[1]	1,058
TDR - allowance based on present value cash flow	[1]	3,755
Non - TDR - allowance based on collateral	[1]	768
Total amount of ACL allocated	[1]	5,581
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance for loan losses recorded	[1]	1,460
Unpaid Principal Balance, with no related allowance for loan losses recorded	[1]	1,865
With no related allowance for loan losses recorded	[1]	0
Recorded Investment, with an allowance for loan losses recorded	[1]	49,212
Unpaid Principal Balance, with an allowance for loan losses recorded	[1]	51,105
Recorded Investment	[1]	50,672
Unpaid Principal Balance	[1]	52,970
Related Allowance	[1]	5,581
Accrued interest included in recorded investment	[1]	359
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with no related ACL recorded	[1]	1,724	$ 789
Interest Income Recognized, with no related ACL recorded	[1]	23	13
Average Recorded Investment, with an ACL recorded	[1]	55,600	55,428
Interest Income Recognized, with an ACL recorded	[1]	4,828	2,978
Average Recorded Investment	[1]	57,324	56,217
Interest Income Recognized	[1]	4,851	2,991
Commercial [Member] | Commercial and Industrial [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance for loan losses recorded	[1]	77
Unpaid Principal Balance, with no related allowance for loan losses recorded	[1]	80
With no related allowance for loan losses recorded	[1]	0
Recorded Investment, with an allowance for loan losses recorded	[1]	2,227
Unpaid Principal Balance, with an allowance for loan losses recorded	[1]	2,370
Recorded Investment	[1]	2,304
Unpaid Principal Balance	[1]	2,450
Related Allowance	[1]	756
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with no related ACL recorded	[1]	125	51
Interest Income Recognized, with no related ACL recorded	[1]	9	0
Average Recorded Investment, with an ACL recorded	[1]	2,230	2,256
Interest Income Recognized, with an ACL recorded	[1]	242	72
Average Recorded Investment	[1]	2,355	2,307
Interest Income Recognized	[1]	251	72
Commercial [Member] | Commercial Real Estate [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance for loan losses recorded	[1]	0
Unpaid Principal Balance, with no related allowance for loan losses recorded	[1]	0
With no related allowance for loan losses recorded	[1]	0
Recorded Investment, with an allowance for loan losses recorded	[1]	7,127
Unpaid Principal Balance, with an allowance for loan losses recorded	[1]	7,096
Recorded Investment	[1]	7,127
Unpaid Principal Balance	[1]	7,096
Related Allowance	[1]	510
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with no related ACL recorded	[1]	159	278
Interest Income Recognized, with no related ACL recorded	[1]	0	5
Average Recorded Investment, with an ACL recorded	[1]	10,751	5,778
Interest Income Recognized, with an ACL recorded	[1]	1,043	315
Average Recorded Investment	[1]	10,910	6,056
Interest Income Recognized	[1]	1,043	320
Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance for loan losses recorded	[1]	623
Unpaid Principal Balance, with no related allowance for loan losses recorded	[1]	629
With no related allowance for loan losses recorded	[1]	0
Recorded Investment, with an allowance for loan losses recorded	[1]	506
Unpaid Principal Balance, with an allowance for loan losses recorded	[1]	880
Recorded Investment	[1]	1,129
Unpaid Principal Balance	[1]	1,509
Related Allowance	[1]	50
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with no related ACL recorded	[1]	408	0
Interest Income Recognized, with no related ACL recorded	[1]	0	0
Average Recorded Investment, with an ACL recorded	[1]	1,083	995
Interest Income Recognized, with an ACL recorded	[1]	84	39
Average Recorded Investment	[1]	1,491	995
Interest Income Recognized	[1]	84	39
Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance for loan losses recorded	[1]	0
Unpaid Principal Balance, with no related allowance for loan losses recorded	[1]	0
With no related allowance for loan losses recorded	[1]	0
Recorded Investment, with an allowance for loan losses recorded	[1]	21,655
Unpaid Principal Balance, with an allowance for loan losses recorded	[1]	22,311
Recorded Investment	[1]	21,655
Unpaid Principal Balance	[1]	22,311
Related Allowance	[1]	2,300
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with no related ACL recorded	[1]	252	201
Interest Income Recognized, with no related ACL recorded	[1]	4	0
Average Recorded Investment, with an ACL recorded	[1]	19,624	15,183
Interest Income Recognized, with an ACL recorded	[1]	2,033	594
Average Recorded Investment	[1]	19,876	15,384
Interest Income Recognized	[1]	2,037	594
Mortgage [Member] | 1-4 Family Non-owner Occupied [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance for loan losses recorded	[1]	305
Unpaid Principal Balance, with no related allowance for loan losses recorded	[1]	473
With no related allowance for loan losses recorded	[1]	0
Recorded Investment, with an allowance for loan losses recorded	[1]	4,335
Unpaid Principal Balance, with an allowance for loan losses recorded	[1]	4,704
Recorded Investment	[1]	4,640
Unpaid Principal Balance	[1]	5,177
Related Allowance	[1]	495
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with no related ACL recorded	[1]	308	123
Interest Income Recognized, with no related ACL recorded	[1]	10	0
Average Recorded Investment, with an ACL recorded	[1]	4,664	2,874
Interest Income Recognized, with an ACL recorded	[1]	375	291
Average Recorded Investment	[1]	4,972	2,997
Interest Income Recognized	[1]	385	291
Mortgage [Member] | 1-4 Family - 2nd Lien [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance for loan losses recorded	[1]	301
Unpaid Principal Balance, with no related allowance for loan losses recorded	[1]	304
With no related allowance for loan losses recorded	[1]	0
Recorded Investment, with an allowance for loan losses recorded	[1]	811
Unpaid Principal Balance, with an allowance for loan losses recorded	[1]	829
Recorded Investment	[1]	1,112
Unpaid Principal Balance	[1]	1,133
Related Allowance	[1]	200
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with no related ACL recorded	[1]	380	136
Interest Income Recognized, with no related ACL recorded	[1]	0	7
Average Recorded Investment, with an ACL recorded	[1]	3,376	13,383
Interest Income Recognized, with an ACL recorded	[1]	22	809
Average Recorded Investment	[1]	3,756	13,519
Interest Income Recognized	[1]	22	816
Mortgage [Member] | Resort Lending [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance for loan losses recorded	[1]	154
Unpaid Principal Balance, with no related allowance for loan losses recorded	[1]	379
With no related allowance for loan losses recorded	[1]	0
Recorded Investment, with an allowance for loan losses recorded	[1]	10,555
Unpaid Principal Balance, with an allowance for loan losses recorded	[1]	10,764
Recorded Investment	[1]	10,709
Unpaid Principal Balance	[1]	11,143
Related Allowance	[1]	1,079
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with no related ACL recorded	[1]	92	0
Interest Income Recognized, with no related ACL recorded	[1]	0	0
Average Recorded Investment, with an ACL recorded	[1]	11,316	11,697
Interest Income Recognized, with an ACL recorded	[1]	799	669
Average Recorded Investment	[1]	11,408	11,697
Interest Income Recognized	[1]	799	669
Installment [Member] | Boat Lending [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance for loan losses recorded	[1]	0
Unpaid Principal Balance, with no related allowance for loan losses recorded	[1]	0
With no related allowance for loan losses recorded	[1]	0
Recorded Investment, with an allowance for loan losses recorded	[1]	7
Unpaid Principal Balance, with an allowance for loan losses recorded	[1]	11
Recorded Investment	[1]	7
Unpaid Principal Balance	[1]	11
Related Allowance	[1]	2
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with no related ACL recorded	[1]	0	0
Interest Income Recognized, with no related ACL recorded	[1]	0	0
Average Recorded Investment, with an ACL recorded	[1]	59	54
Interest Income Recognized, with an ACL recorded	[1]	1	0
Average Recorded Investment	[1]	59	54
Interest Income Recognized	[1]	1	0
Installment [Member] | Recreational Vehicle Lending [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance for loan losses recorded	[1]	0
Unpaid Principal Balance, with no related allowance for loan losses recorded	[1]	0
With no related allowance for loan losses recorded	[1]	0
Recorded Investment, with an allowance for loan losses recorded	[1]	87
Unpaid Principal Balance, with an allowance for loan losses recorded	[1]	100
Recorded Investment	[1]	87
Unpaid Principal Balance	[1]	100
Related Allowance	[1]	19
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with no related ACL recorded	[1]	0	0
Interest Income Recognized, with no related ACL recorded	[1]	0	0
Average Recorded Investment, with an ACL recorded	[1]	81	22
Interest Income Recognized, with an ACL recorded	[1]	4	0
Average Recorded Investment	[1]	81	22
Interest Income Recognized	[1]	4	0
Installment [Member] | Other [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance for loan losses recorded	[1]	0
Unpaid Principal Balance, with no related allowance for loan losses recorded	[1]	0
With no related allowance for loan losses recorded	[1]	0
Recorded Investment, with an allowance for loan losses recorded	[1]	1,902
Unpaid Principal Balance, with an allowance for loan losses recorded	[1]	2,040
Recorded Investment	[1]	1,902
Unpaid Principal Balance	[1]	2,040
Related Allowance	[1]	170
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with no related ACL recorded	[1]	0	0
Interest Income Recognized, with no related ACL recorded	[1]	0	1
Average Recorded Investment, with an ACL recorded	[1]	2,416	3,186
Interest Income Recognized, with an ACL recorded	[1]	225	189
Average Recorded Investment	[1]	2,416	3,186
Interest Income Recognized	[1]	$ 225	$ 190
[1]	Beginning January 1, 2021, calculation is based on CECL methodology. Prior to January 1, 2021, calculation was based on the probable incurred loss methodology.

LOANS, Troubled Debt Restructur

LOANS, Troubled Debt Restructurings (Details) $ in Thousands		12 Months Ended
		Dec. 31, 2021USD ($)Payment	Dec. 31, 2020USD ($)Contract		Dec. 31, 2019USD ($)Contract
Troubled Debt Restructuring [Abstract]
Troubled debt restructuring		$ 37,086	$ 47,073
Number of consecutive timely payments required | Payment		6
Troubled debt restructuring, specific reserve		$ 3,600	4,800
Additional amounts committed to lend as troubled debt restructurings		40	$ 70
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract	[1]		24		24
Pre-modification recorded balance	[1]		$ 8,822		$ 4,336
Post-modification recorded balance		$ 0	8,848	[1]	4,342	[1]
Increase (decrease) in allowance for loan losses			40		500
Charge offs due to troubled debt restructurings			0		0
Past due period for modified loans		90 days
Increase in allowance for credit losses					0
Number of consecutive payments for mortgage loans missed | Payment		4
Charge-offs on TDRs that subsequently defaulted		$ 0	0
Minimum [Member]
Troubled Debt Restructuring [Abstract]
Modification of stated interest rate of loans, range of period		9 months
Modifications involving extension of maturity date, period range		1 month
Maximum [Member]
Troubled Debt Restructuring [Abstract]
Modification of stated interest rate of loans, range of period		36 months
Modification of stated interest rate of loans, range of period in certain circumstances		480 months
Modifications involving extension of maturity date, period range		60 months
Modifications involving extension of maturity date, period range in certain circumstances		230 months
Performing TDR's [Member]
Troubled Debt Restructuring [Abstract]
Troubled debt restructuring		$ 36,070	44,341
Non-performing TDR's [Member]
Troubled Debt Restructuring [Abstract]
Troubled debt restructuring	[2]	1,016	2,732
Commercial and Industrial [Member]
Loans classified as troubled debt restructurings [Abstract]
Charge-offs on TDRs that subsequently defaulted					19
1-4 Family Owner Occupied - Non-jumbo [Member]
Loans classified as troubled debt restructurings [Abstract]
Charge-offs on TDRs that subsequently defaulted					$ 12
Commercial [Member]
Troubled Debt Restructuring [Abstract]
Troubled debt restructuring		4,481	9,104
Commercial [Member] | Performing TDR's [Member]
Troubled Debt Restructuring [Abstract]
Troubled debt restructuring		4,481	7,956
Commercial [Member] | Non-performing TDR's [Member]
Troubled Debt Restructuring [Abstract]
Troubled debt restructuring	[2]	0	$ 1,148
Commercial [Member] | Commercial and Industrial [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract	[1]		7		8
Pre-modification recorded balance	[1]		$ 1,207		$ 1,609
Post-modification recorded balance	[1]		$ 1,207		$ 1,609
Commercial [Member] | Commercial Real Estate [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract	[1]		4		3
Pre-modification recorded balance	[1]		$ 7,012		$ 1,479
Post-modification recorded balance	[1]		$ 7,012		$ 1,479
Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract	[1]		0		0
Pre-modification recorded balance	[1]		$ 0		$ 0
Post-modification recorded balance	[1]		$ 0		$ 0
Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract	[1]		5		2
Pre-modification recorded balance	[1]		$ 357		$ 478
Post-modification recorded balance	[1]		$ 374		$ 483
Mortgage [Member] | 1-4 Family Non-owner Occupied [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract	[1]		2		1
Pre-modification recorded balance	[1]		$ 111		$ 507
Post-modification recorded balance	[1]		$ 116		$ 505
Mortgage [Member] | 1-4 Family - 2nd Lien [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract	[1]		2		3
Pre-modification recorded balance	[1]		$ 44		$ 75
Post-modification recorded balance	[1]		$ 46		$ 75
Mortgage [Member] | Resort Lending [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract	[1]		0		0
Pre-modification recorded balance	[1]		$ 0		$ 0
Post-modification recorded balance	[1]		$ 0		$ 0
Installment [Member] | Boat Lending [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract	[1]		0		0
Pre-modification recorded balance	[1]		$ 0		$ 0
Post-modification recorded balance	[1]		$ 0		$ 0
Installment [Member] | Recreational Vehicle Lending [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract	[1]		0		0
Pre-modification recorded balance	[1]		$ 0		$ 0
Post-modification recorded balance	[1]		$ 0		$ 0
Installment [Member] | Other [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract	[1]		4		7
Pre-modification recorded balance	[1]		$ 91		$ 188
Post-modification recorded balance	[1]		93		$ 191
Retail [Member]
Troubled Debt Restructuring [Abstract]
Troubled debt restructuring	[3]	32,605	37,969
Retail [Member] | Performing TDR's [Member]
Troubled Debt Restructuring [Abstract]
Troubled debt restructuring	[3]	31,589	36,385
Retail [Member] | Non-performing TDR's [Member]
Troubled Debt Restructuring [Abstract]
Troubled debt restructuring	[2],[3],[4]	$ 1,016	$ 1,584
[1]	There were no TDR modifications during the year ended December 31, 2021. The loan modifications during 2020 in the table above did not qualify for relief from TDR accounting under the CARES Act.
[2]	Included in non-performing loans table above.
[3]	Retail loans include mortgage and installment loan portfolio segments.
[4]	Also includes loans on non-accrual at the time of modification until six payments are received on a timely basis.

LOANS, Non-TDR Loan Modificatio

LOANS, Non-TDR Loan Modifications and PPP Due to COVID-19 (Details) $ in Thousands		12 Months Ended
		Dec. 31, 2021USD ($)Loan	Dec. 31, 2020USD ($)Loan	Dec. 31, 2019USD ($)
Non-TDR Loan Modifications and Paycheck Protection Program ("PPP") due to COVID-19 [Abstract]
Interest only period for Commercial loans		3 months
Suspended payments period for Retail loans		3 months
COVID-19 Accommodations and Outstanding Loans [Abstract]
Total loans		$ 2,905,045
Total loans	[1]		$ 2,733,678
Percentage of total loans, COVID-19 Accomodations		0.10%
Allowance for loan losses	[1]	$ 47,252
Interest and fees on loans		116,644	123,159	$ 133,883
Paycheck Protection Program [Member]
COVID-19 Accommodations and Outstanding Loans [Abstract]
Total loans		$ 26,364
Total loans			$ 169,782
Number of outstanding loans | Loan		186	1,483
Unaccreted net fees remaining at period end		$ 806	$ 3,216
Allowance for loan losses		0
Loans funded		135,500	261,100	0
Interest and fees on loans		8,900	5,600	$ 0
Commercial [Member]
COVID-19 Accommodations and Outstanding Loans [Abstract]
Total loans		$ 1,203,581
Total loans	[1]		1,242,415
Percentage of total loans, COVID-19 Accomodations		0.00%
Allowance for loan losses		$ 11,519
Mortgage [Member]
COVID-19 Accommodations and Outstanding Loans [Abstract]
Total loans	[2]	$ 1,139,659
Total loans	[1]		1,015,926
Percentage of total loans, COVID-19 Accomodations		0.20%
Allowance for loan losses		$ 19,221
Installment [Member]
COVID-19 Accommodations and Outstanding Loans [Abstract]
Total loans	[2]	$ 561,805
Total loans	[1]		475,337
Percentage of total loans, COVID-19 Accomodations		0.00%
Allowance for loan losses		$ 3,749
Mortgage Loans Serviced for Others [Member]
COVID-19 Accommodations and Outstanding Loans [Abstract]
Total loans	[3]	$ 3,323,521
Percentage of total loans, COVID-19 Accomodations	[3]	0.20%
COVID-19 Accomodations [Member]
COVID-19 Accommodations and Outstanding Loans [Abstract]
Number of loans with Covid 19 Accommodations | Loan		23
Non-TDR loan modifications, portfolio loans outstanding		$ 2,333
COVID-19 Accomodations [Member] | Commercial [Member]
COVID-19 Accommodations and Outstanding Loans [Abstract]
Number of loans with Covid 19 Accommodations | Loan		0
Non-TDR loan modifications, portfolio loans outstanding		$ 0
COVID-19 Accomodations [Member] | Mortgage [Member]
COVID-19 Accommodations and Outstanding Loans [Abstract]
Number of loans with Covid 19 Accommodations | Loan		22
Non-TDR loan modifications, portfolio loans outstanding		$ 2,278
COVID-19 Accomodations [Member] | Installment [Member]
COVID-19 Accommodations and Outstanding Loans [Abstract]
Number of loans with Covid 19 Accommodations | Loan		1
Non-TDR loan modifications, portfolio loans outstanding		$ 55
COVID-19 Accomodations [Member] | Mortgage Loans Serviced for Others [Member]
COVID-19 Accommodations and Outstanding Loans [Abstract]
Number of loans with Covid 19 Accommodations | Loan	[3]	46
Non-TDR loan modifications, portfolio loans outstanding	[3]	$ 5,163
COVID-19 Subsequent Accommodation [Member]
COVID-19 Accommodations and Outstanding Loans [Abstract]
Number of loans with Covid 19 Accommodations | Loan	[4]	19
Non-TDR loan modifications, portfolio loans outstanding	[4]	$ 2,194
COVID-19 Subsequent Accommodation [Member] | Commercial [Member]
COVID-19 Accommodations and Outstanding Loans [Abstract]
Number of loans with Covid 19 Accommodations | Loan	[4]	0
Non-TDR loan modifications, portfolio loans outstanding	[4]	$ 0
COVID-19 Subsequent Accommodation [Member] | Mortgage [Member]
COVID-19 Accommodations and Outstanding Loans [Abstract]
Number of loans with Covid 19 Accommodations | Loan	[4]	19
Non-TDR loan modifications, portfolio loans outstanding	[4]	$ 2,194
COVID-19 Subsequent Accommodation [Member] | Installment [Member]
COVID-19 Accommodations and Outstanding Loans [Abstract]
Number of loans with Covid 19 Accommodations | Loan	[4]	0
Non-TDR loan modifications, portfolio loans outstanding	[4]	$ 0
Closed and Outstanding - Round 1 Loans [Member] | Paycheck Protection Program [Member]
COVID-19 Accommodations and Outstanding Loans [Abstract]
Total loans		$ 197
Total loans			$ 169,782
Number of outstanding loans | Loan		6	1,483
Closed and Outstanding - Round 2 Loans [Member] | Paycheck Protection Program [Member]
COVID-19 Accommodations and Outstanding Loans [Abstract]
Total loans		$ 26,167
Total loans			$ 0
Number of outstanding loans | Loan		180	0
[1]	Beginning January 1, 2021, calculation is based on CECL methodology. Prior to January 1, 2021, calculation was based on the probable incurred loss methodology.
[2]	Credit scores have been updated within the last twelve months.
[3]	We have delegated authority from all investors to grant these deferrals on their behalf.
[4]	Subsequent accommodations are extensions of the original accommodations that were given as summarized in the paragraph above.

LOANS, Loan Ratings by Loan Cla

LOANS, Loan Ratings by Loan Class, Commercial (Details) - USD ($) $ in Thousands		Dec. 31, 2021	Dec. 31, 2020
Summary of Loan Ratings by Loan Class [Abstract]
Total loans		$ 2,905,045
Accrued interest excluded from total		6,836
Loans	[1]		$ 2,742,577
Accrued interest included in total	[1]		8,899
Commercial [Member]
Summary of Loan Ratings by Loan Class [Abstract]
2021		247,338
2020		125,661
2019		169,759
2018		131,067
2017		80,608
Prior		265,749
Revolving loans amortized, Cost basis		183,399
Total loans		1,203,581
Accrued interest, 2021		496
Accrued interest, 2020		234
Accrued interest, 2019		338
Accrued interest, 2018		432
Accrued interest, 2017		184
Accrued interest, Prior		565
Accrued interest, Revolving		289
Accrued interest excluded from total		2,538
Loans	[1]		1,245,951
Accrued interest included in total	[1]		3,536
Commercial [Member] | Non-Watch 1-6 [Member]
Summary of Loan Ratings by Loan Class [Abstract]
2021		245,247
2020		125,335
2019		165,040
2018		120,655
2017		77,430
Prior		256,460
Revolving loans amortized, Cost basis		176,130
Total loans		1,166,297
Loans			1,199,208
Accrued interest included in total			3,408
Commercial [Member] | Watch 7-8 [Member]
Summary of Loan Ratings by Loan Class [Abstract]
2021		81
2020		324
2019		3,560
2018		8,972
2017		2,070
Prior		7,697
Revolving loans amortized, Cost basis		476
Total loans		23,180
Loans			38,743
Accrued interest included in total			105
Commercial [Member] | Substandard Accrual 9 [Member]
Summary of Loan Ratings by Loan Class [Abstract]
2021		2,010
2020		2
2019		1,159
2018		1,440
2017		1,108
Prior		1,530
Revolving loans amortized, Cost basis		6,793
Total loans		14,042
Loans			6,613
Accrued interest included in total			23
Commercial [Member] | Non Accrual 10-11 [Member]
Summary of Loan Ratings by Loan Class [Abstract]
2021		0
2020		0
2019		0
2018		0
2017		0
Prior		62
Revolving loans amortized, Cost basis		0
Total loans		62
Loans			1,387
Accrued interest included in total			0
Commercial [Member] | Commercial and Industrial [Member]
Summary of Loan Ratings by Loan Class [Abstract]
2021		123,567
2020		69,858
2019		58,675
2018		46,368
2017		38,669
Prior		104,127
Revolving loans amortized, Cost basis		151,848
Total loans		593,112
Accrued interest, 2021		314
Accrued interest, 2020		153
Accrued interest, 2019		105
Accrued interest, 2018		229
Accrued interest, 2017		90
Accrued interest, Prior		240
Accrued interest, Revolving		242
Accrued interest excluded from total		1,373
Loans			676,319
Commercial [Member] | Commercial and Industrial [Member] | Non-Watch 1-6 [Member]
Summary of Loan Ratings by Loan Class [Abstract]
2021		121,917
2020		69,856
2019		56,984
2018		44,827
2017		38,307
Prior		96,261
Revolving loans amortized, Cost basis		144,579
Total loans		572,731
Loans			637,826
Commercial [Member] | Commercial and Industrial [Member] | Watch 7-8 [Member]
Summary of Loan Ratings by Loan Class [Abstract]
2021		81
2020		0
2019		532
2018		1,294
2017		362
Prior		6,274
Revolving loans amortized, Cost basis		476
Total loans		9,019
Loans			32,765
Commercial [Member] | Commercial and Industrial [Member] | Substandard Accrual 9 [Member]
Summary of Loan Ratings by Loan Class [Abstract]
2021		1,569
2020		2
2019		1,159
2018		247
2017		0
Prior		1,530
Revolving loans amortized, Cost basis		6,793
Total loans		11,300
Loans			4,341
Commercial [Member] | Commercial and Industrial [Member] | Non Accrual 10-11 [Member]
Summary of Loan Ratings by Loan Class [Abstract]
2021		0
2020		0
2019		0
2018		0
2017		0
Prior		62
Revolving loans amortized, Cost basis		0
Total loans		62
Loans			1,387
Commercial [Member] | Commercial Real Estate [Member]
Summary of Loan Ratings by Loan Class [Abstract]
2021		123,771
2020		55,803
2019		111,084
2018		84,699
2017		41,939
Prior		161,622
Revolving loans amortized, Cost basis		31,551
Total loans		610,469
Accrued interest, 2021		182
Accrued interest, 2020		81
Accrued interest, 2019		233
Accrued interest, 2018		203
Accrued interest, 2017		94
Accrued interest, Prior		325
Accrued interest, Revolving		47
Accrued interest excluded from total		1,165
Loans			569,632
Commercial [Member] | Commercial Real Estate [Member] | Non-Watch 1-6 [Member]
Summary of Loan Ratings by Loan Class [Abstract]
2021		123,330
2020		55,479
2019		108,056
2018		75,828
2017		39,123
Prior		160,199
Revolving loans amortized, Cost basis		31,551
Total loans		593,566
Loans			561,382
Commercial [Member] | Commercial Real Estate [Member] | Watch 7-8 [Member]
Summary of Loan Ratings by Loan Class [Abstract]
2021		0
2020		324
2019		3,028
2018		7,678
2017		1,708
Prior		1,423
Revolving loans amortized, Cost basis		0
Total loans		14,161
Loans			5,978
Commercial [Member] | Commercial Real Estate [Member] | Substandard Accrual 9 [Member]
Summary of Loan Ratings by Loan Class [Abstract]
2021		441
2020		0
2019		0
2018		1,193
2017		1,108
Prior		0
Revolving loans amortized, Cost basis		0
Total loans		2,742
Loans			2,272
Commercial [Member] | Commercial Real Estate [Member] | Non Accrual 10-11 [Member]
Summary of Loan Ratings by Loan Class [Abstract]
2021		0
2020		0
2019		0
2018		0
2017		0
Prior		0
Revolving loans amortized, Cost basis		0
Total loans		$ 0
Loans			$ 0
[1]	Beginning January 1, 2021, calculation is based on CECL methodology. Prior to January 1, 2021, calculation was based on the probable incurred loss methodology.

LOANS, Credit Scores by Loan Cl

LOANS, Credit Scores by Loan Class, Mortgage and Installment Segments, Current Period (Details) $ in Thousands	Dec. 31, 2021USD ($)
Summary of Credit Scores by Loan Class [Abstract]
Total loans	$ 2,905,045
Accrued interest excluded from total	6,836
Mortgage [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	410,933	[1]
2020	243,414	[1]
2019	101,997	[1]
2018	49,073	[1]
2017	72,058	[1]
Prior	165,669	[1]
Revolving loans amortized, Cost basis	96,515	[1]
Total loans	1,139,659	[1]
Accrued interest, 2021	945	[1]
Accrued interest, 2020	574	[1]
Accrued interest, 2019	302	[1]
Accrued interest, 2018	166	[1]
Accrued interest, 2017	196	[1]
Accrued interest, Prior	506	[1]
Accrued interest, Revolving	309	[1]
Accrued interest excluded from total	2,998	[1]
Mortgage [Member] | 800 and Above [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	53,143	[1]
2020	25,936	[1]
2019	15,530	[1]
2018	6,907	[1]
2017	13,975	[1]
Prior	17,854	[1]
Revolving loans amortized, Cost basis	14,130	[1]
Total loans	147,475	[1]
Mortgage [Member] | 750 to 799 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	215,481	[1]
2020	138,434	[1]
2019	51,241	[1]
2018	18,292	[1]
2017	27,234	[1]
Prior	49,590	[1]
Revolving loans amortized, Cost basis	45,935	[1]
Total loans	546,207	[1]
Mortgage [Member] | 700 to 749 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	104,365	[1]
2020	54,267	[1]
2019	22,113	[1]
2018	11,196	[1]
2017	15,163	[1]
Prior	44,174	[1]
Revolving loans amortized, Cost basis	24,709	[1]
Total loans	275,987	[1]
Mortgage [Member] | 650 to 699 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	33,650	[1]
2020	17,950	[1]
2019	9,381	[1]
2018	7,999	[1]
2017	9,603	[1]
Prior	26,828	[1]
Revolving loans amortized, Cost basis	9,053	[1]
Total loans	114,464	[1]
Mortgage [Member] | 600 to 649 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	4,294	[1]
2020	3,954	[1]
2019	1,737	[1]
2018	2,950	[1]
2017	2,763	[1]
Prior	14,674	[1]
Revolving loans amortized, Cost basis	1,840	[1]
Total loans	32,212	[1]
Mortgage [Member] | 550 to 599 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	0	[1]
2020	789	[1]
2019	1,137	[1]
2018	950	[1]
2017	1,804	[1]
Prior	7,479	[1]
Revolving loans amortized, Cost basis	375	[1]
Total loans	12,534	[1]
Mortgage [Member] | 500 to 549 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	0	[1]
2020	1,468	[1]
2019	520	[1]
2018	382	[1]
2017	599	[1]
Prior	4,198	[1]
Revolving loans amortized, Cost basis	223	[1]
Total loans	7,390	[1]
Mortgage [Member] | Under 500 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	0	[1]
2020	616	[1]
2019	338	[1]
2018	397	[1]
2017	917	[1]
Prior	872	[1]
Revolving loans amortized, Cost basis	250	[1]
Total loans	3,390	[1]
Mortgage [Member] | Unknown [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	0	[1]
2020	0	[1]
2019	0	[1]
2018	0	[1]
2017	0	[1]
Prior	0	[1]
Revolving loans amortized, Cost basis	0	[1]
Total loans	0	[1]
Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	255,101	[1]
2020	159,738	[1]
2019	58,281	[1]
2018	20,402	[1]
2017	33,038	[1]
Prior	12,092	[1]
Revolving loans amortized, Cost basis	2,371	[1]
Total loans	541,023	[1]
Accrued interest, 2021	557	[1]
Accrued interest, 2020	370	[1]
Accrued interest, 2019	163	[1]
Accrued interest, 2018	77	[1]
Accrued interest, 2017	87	[1]
Accrued interest, Prior	33	[1]
Accrued interest, Revolving	3	[1]
Accrued interest excluded from total	1,290	[1]
Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member] | 800 and Above [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	31,137	[1]
2020	17,652	[1]
2019	8,491	[1]
2018	2,565	[1]
2017	7,516	[1]
Prior	527	[1]
Revolving loans amortized, Cost basis	0	[1]
Total loans	67,888	[1]
Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member] | 750 to 799 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	135,292	[1]
2020	92,590	[1]
2019	30,072	[1]
2018	7,118	[1]
2017	9,469	[1]
Prior	5,043	[1]
Revolving loans amortized, Cost basis	2,371	[1]
Total loans	281,955	[1]
Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member] | 700 to 749 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	67,255	[1]
2020	34,665	[1]
2019	13,765	[1]
2018	4,421	[1]
2017	7,748	[1]
Prior	4,856	[1]
Revolving loans amortized, Cost basis	0	[1]
Total loans	132,710	[1]
Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member] | 650 to 699 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	19,367	[1]
2020	10,313	[1]
2019	5,447	[1]
2018	5,285	[1]
2017	6,080	[1]
Prior	690	[1]
Revolving loans amortized, Cost basis	0	[1]
Total loans	47,182	[1]
Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member] | 600 to 649 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	2,050	[1]
2020	2,638	[1]
2019	506	[1]
2018	1,013	[1]
2017	837	[1]
Prior	976	[1]
Revolving loans amortized, Cost basis	0	[1]
Total loans	8,020	[1]
Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member] | 550 to 599 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	0	[1]
2020	469	[1]
2019	0	[1]
2018	0	[1]
2017	781	[1]
Prior	0	[1]
Revolving loans amortized, Cost basis	0	[1]
Total loans	1,250	[1]
Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member] | 500 to 549 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	0	[1]
2020	1,411	[1]
2019	0	[1]
2018	0	[1]
2017	0	[1]
Prior	0	[1]
Revolving loans amortized, Cost basis	0	[1]
Total loans	1,411	[1]
Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member] | Under 500 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	0	[1]
2020	0	[1]
2019	0	[1]
2018	0	[1]
2017	607	[1]
Prior	0	[1]
Revolving loans amortized, Cost basis	0	[1]
Total loans	607	[1]
Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member] | Unknown [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	0	[1]
2020	0	[1]
2019	0	[1]
2018	0	[1]
2017	0	[1]
Prior	0	[1]
Revolving loans amortized, Cost basis	0	[1]
Total loans	0	[1]
Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	67,441	[1]
2020	42,689	[1]
2019	24,306	[1]
2018	17,251	[1]
2017	24,039	[1]
Prior	69,614	[1]
Revolving loans amortized, Cost basis	21,070	[1]
Total loans	266,410	[1]
Accrued interest, 2021	208	[1]
Accrued interest, 2020	97	[1]
Accrued interest, 2019	84	[1]
Accrued interest, 2018	58	[1]
Accrued interest, 2017	68	[1]
Accrued interest, Prior	226	[1]
Accrued interest, Revolving	57	[1]
Accrued interest excluded from total	798	[1]
Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member] | 800 and Above [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	6,185	[1]
2020	5,534	[1]
2019	3,756	[1]
2018	2,514	[1]
2017	3,566	[1]
Prior	4,569	[1]
Revolving loans amortized, Cost basis	4,026	[1]
Total loans	30,150	[1]
Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member] | 750 to 799 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	33,227	[1]
2020	20,300	[1]
2019	9,688	[1]
2018	5,664	[1]
2017	8,887	[1]
Prior	12,498	[1]
Revolving loans amortized, Cost basis	8,341	[1]
Total loans	98,605	[1]
Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member] | 700 to 749 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	19,317	[1]
2020	10,572	[1]
2019	4,813	[1]
2018	4,035	[1]
2017	5,008	[1]
Prior	21,806	[1]
Revolving loans amortized, Cost basis	5,637	[1]
Total loans	71,188	[1]
Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member] | 650 to 699 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	6,593	[1]
2020	4,233	[1]
2019	3,217	[1]
2018	2,010	[1]
2017	3,135	[1]
Prior	12,423	[1]
Revolving loans amortized, Cost basis	2,812	[1]
Total loans	34,423	[1]
Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member] | 600 to 649 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	2,119	[1]
2020	1,082	[1]
2019	1,051	[1]
2018	1,549	[1]
2017	1,660	[1]
Prior	8,663	[1]
Revolving loans amortized, Cost basis	89	[1]
Total loans	16,213	[1]
Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member] | 550 to 599 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	0	[1]
2020	295	[1]
2019	1,076	[1]
2018	758	[1]
2017	1,023	[1]
Prior	5,802	[1]
Revolving loans amortized, Cost basis	147	[1]
Total loans	9,101	[1]
Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member] | 500 to 549 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	0	[1]
2020	57	[1]
2019	421	[1]
2018	327	[1]
2017	510	[1]
Prior	3,169	[1]
Revolving loans amortized, Cost basis	18	[1]
Total loans	4,502	[1]
Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member] | Under 500 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	0	[1]
2020	616	[1]
2019	284	[1]
2018	394	[1]
2017	250	[1]
Prior	684	[1]
Revolving loans amortized, Cost basis	0	[1]
Total loans	2,228	[1]
Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member] | Unknown [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	0	[1]
2020	0	[1]
2019	0	[1]
2018	0	[1]
2017	0	[1]
Prior	0	[1]
Revolving loans amortized, Cost basis	0	[1]
Total loans	0	[1]
Mortgage [Member] | 1-4 Family Non-owner Occupied [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	82,835	[1]
2020	34,655	[1]
2019	16,503	[1]
2018	7,832	[1]
2017	10,971	[1]
Prior	31,158	[1]
Revolving loans amortized, Cost basis	10,898	[1]
Total loans	194,852	[1]
Accrued interest, 2021	171	[1]
Accrued interest, 2020	95	[1]
Accrued interest, 2019	46	[1]
Accrued interest, 2018	23	[1]
Accrued interest, 2017	33	[1]
Accrued interest, Prior	107	[1]
Accrued interest, Revolving	38	[1]
Accrued interest excluded from total	513	[1]
Mortgage [Member] | 1-4 Family Non-owner Occupied [Member] | 800 and Above [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	15,406	[1]
2020	1,786	[1]
2019	2,857	[1]
2018	1,459	[1]
2017	2,627	[1]
Prior	5,058	[1]
Revolving loans amortized, Cost basis	1,639	[1]
Total loans	30,832	[1]
Mortgage [Member] | 1-4 Family Non-owner Occupied [Member] | 750 to 799 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	44,201	[1]
2020	21,885	[1]
2019	10,517	[1]
2018	3,667	[1]
2017	6,956	[1]
Prior	10,004	[1]
Revolving loans amortized, Cost basis	5,117	[1]
Total loans	102,347	[1]
Mortgage [Member] | 1-4 Family Non-owner Occupied [Member] | 700 to 749 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	16,486	[1]
2020	7,807	[1]
2019	2,764	[1]
2018	1,878	[1]
2017	966	[1]
Prior	6,095	[1]
Revolving loans amortized, Cost basis	2,756	[1]
Total loans	38,752	[1]
Mortgage [Member] | 1-4 Family Non-owner Occupied [Member] | 650 to 699 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	6,617	[1]
2020	3,095	[1]
2019	257	[1]
2018	299	[1]
2017	248	[1]
Prior	6,019	[1]
Revolving loans amortized, Cost basis	955	[1]
Total loans	17,490	[1]
Mortgage [Member] | 1-4 Family Non-owner Occupied [Member] | 600 to 649 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	125	[1]
2020	57	[1]
2019	108	[1]
2018	282	[1]
2017	174	[1]
Prior	2,051	[1]
Revolving loans amortized, Cost basis	381	[1]
Total loans	3,178	[1]
Mortgage [Member] | 1-4 Family Non-owner Occupied [Member] | 550 to 599 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	0	[1]
2020	25	[1]
2019	0	[1]
2018	192	[1]
2017	0	[1]
Prior	1,121	[1]
Revolving loans amortized, Cost basis	0	[1]
Total loans	1,338	[1]
Mortgage [Member] | 1-4 Family Non-owner Occupied [Member] | 500 to 549 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	0	[1]
2020	0	[1]
2019	0	[1]
2018	55	[1]
2017	0	[1]
Prior	638	[1]
Revolving loans amortized, Cost basis	50	[1]
Total loans	743	[1]
Mortgage [Member] | 1-4 Family Non-owner Occupied [Member] | Under 500 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	0	[1]
2020	0	[1]
2019	0	[1]
2018	0	[1]
2017	0	[1]
Prior	172	[1]
Revolving loans amortized, Cost basis	0	[1]
Total loans	172	[1]
Mortgage [Member] | 1-4 Family Non-owner Occupied [Member] | Unknown [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	0	[1]
2020	0	[1]
2019	0	[1]
2018	0	[1]
2017	0	[1]
Prior	0	[1]
Revolving loans amortized, Cost basis	0	[1]
Total loans	0	[1]
Mortgage [Member] | 1-4 Family - 2nd Lien [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	4,005	[1]
2020	4,912	[1]
2019	2,657	[1]
2018	2,502	[1]
2017	3,880	[1]
Prior	8,597	[1]
Revolving loans amortized, Cost basis	62,176	[1]
Total loans	88,729	[1]
Accrued interest, 2021	7	[1]
Accrued interest, 2020	9	[1]
Accrued interest, 2019	9	[1]
Accrued interest, 2018	5	[1]
Accrued interest, 2017	8	[1]
Accrued interest, Prior	34	[1]
Accrued interest, Revolving	211	[1]
Accrued interest excluded from total	283	[1]
Mortgage [Member] | 1-4 Family - 2nd Lien [Member] | 800 and Above [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	415	[1]
2020	964	[1]
2019	426	[1]
2018	95	[1]
2017	266	[1]
Prior	353	[1]
Revolving loans amortized, Cost basis	8,465	[1]
Total loans	10,984	[1]
Mortgage [Member] | 1-4 Family - 2nd Lien [Member] | 750 to 799 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	2,161	[1]
2020	2,413	[1]
2019	714	[1]
2018	1,332	[1]
2017	1,859	[1]
Prior	2,415	[1]
Revolving loans amortized, Cost basis	30,106	[1]
Total loans	41,000	[1]
Mortgage [Member] | 1-4 Family - 2nd Lien [Member] | 700 to 749 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	1,307	[1]
2020	1,049	[1]
2019	771	[1]
2018	561	[1]
2017	1,374	[1]
Prior	2,365	[1]
Revolving loans amortized, Cost basis	16,316	[1]
Total loans	23,743	[1]
Mortgage [Member] | 1-4 Family - 2nd Lien [Member] | 650 to 699 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	122	[1]
2020	309	[1]
2019	460	[1]
2018	405	[1]
2017	140	[1]
Prior	1,639	[1]
Revolving loans amortized, Cost basis	5,286	[1]
Total loans	8,361	[1]
Mortgage [Member] | 1-4 Family - 2nd Lien [Member] | 600 to 649 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	0	[1]
2020	177	[1]
2019	72	[1]
2018	106	[1]
2017	92	[1]
Prior	1,143	[1]
Revolving loans amortized, Cost basis	1,370	[1]
Total loans	2,960	[1]
Mortgage [Member] | 1-4 Family - 2nd Lien [Member] | 550 to 599 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	0	[1]
2020	0	[1]
2019	61	[1]
2018	0	[1]
2017	0	[1]
Prior	476	[1]
Revolving loans amortized, Cost basis	228	[1]
Total loans	765	[1]
Mortgage [Member] | 1-4 Family - 2nd Lien [Member] | 500 to 549 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	0	[1]
2020	0	[1]
2019	99	[1]
2018	0	[1]
2017	89	[1]
Prior	190	[1]
Revolving loans amortized, Cost basis	155	[1]
Total loans	533	[1]
Mortgage [Member] | 1-4 Family - 2nd Lien [Member] | Under 500 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	0	[1]
2020	0	[1]
2019	54	[1]
2018	3	[1]
2017	60	[1]
Prior	16	[1]
Revolving loans amortized, Cost basis	250	[1]
Total loans	383	[1]
Mortgage [Member] | 1-4 Family - 2nd Lien [Member] | Unknown [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	0	[1]
2020	0	[1]
2019	0	[1]
2018	0	[1]
2017	0	[1]
Prior	0	[1]
Revolving loans amortized, Cost basis	0	[1]
Total loans	0	[1]
Mortgage [Member] | Resort Lending [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	1,551	[1]
2020	1,420	[1]
2019	250	[1]
2018	1,086	[1]
2017	130	[1]
Prior	44,208	[1]
Revolving loans amortized, Cost basis	0	[1]
Total loans	48,645	[1]
Accrued interest, 2021	2	[1]
Accrued interest, 2020	3	[1]
Accrued interest, 2019	0	[1]
Accrued interest, 2018	3	[1]
Accrued interest, 2017	0	[1]
Accrued interest, Prior	106	[1]
Accrued interest, Revolving	0	[1]
Accrued interest excluded from total	114	[1]
Mortgage [Member] | Resort Lending [Member] | 800 and Above [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	0	[1]
2020	0	[1]
2019	0	[1]
2018	274	[1]
2017	0	[1]
Prior	7,347	[1]
Revolving loans amortized, Cost basis	0	[1]
Total loans	7,621	[1]
Mortgage [Member] | Resort Lending [Member] | 750 to 799 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	600	[1]
2020	1,246	[1]
2019	250	[1]
2018	511	[1]
2017	63	[1]
Prior	19,630	[1]
Revolving loans amortized, Cost basis	0	[1]
Total loans	22,300	[1]
Mortgage [Member] | Resort Lending [Member] | 700 to 749 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	0	[1]
2020	174	[1]
2019	0	[1]
2018	301	[1]
2017	67	[1]
Prior	9,052	[1]
Revolving loans amortized, Cost basis	0	[1]
Total loans	9,594	[1]
Mortgage [Member] | Resort Lending [Member] | 650 to 699 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	951	[1]
2020	0	[1]
2019	0	[1]
2018	0	[1]
2017	0	[1]
Prior	6,057	[1]
Revolving loans amortized, Cost basis	0	[1]
Total loans	7,008	[1]
Mortgage [Member] | Resort Lending [Member] | 600 to 649 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	0	[1]
2020	0	[1]
2019	0	[1]
2018	0	[1]
2017	0	[1]
Prior	1,841	[1]
Revolving loans amortized, Cost basis	0	[1]
Total loans	1,841	[1]
Mortgage [Member] | Resort Lending [Member] | 550 to 599 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	0	[1]
2020	0	[1]
2019	0	[1]
2018	0	[1]
2017	0	[1]
Prior	80	[1]
Revolving loans amortized, Cost basis	0	[1]
Total loans	80	[1]
Mortgage [Member] | Resort Lending [Member] | 500 to 549 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	0	[1]
2020	0	[1]
2019	0	[1]
2018	0	[1]
2017	0	[1]
Prior	201	[1]
Revolving loans amortized, Cost basis	0	[1]
Total loans	201	[1]
Mortgage [Member] | Resort Lending [Member] | Under 500 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	0	[1]
2020	0	[1]
2019	0	[1]
2018	0	[1]
2017	0	[1]
Prior	0	[1]
Revolving loans amortized, Cost basis	0	[1]
Total loans	0	[1]
Mortgage [Member] | Resort Lending [Member] | Unknown [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	0	[1]
2020	0	[1]
2019	0	[1]
2018	0	[1]
2017	0	[1]
Prior	0	[1]
Revolving loans amortized, Cost basis	0	[1]
Total loans	0	[1]
Installment [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	244,401	[1]
2020	101,169	[1]
2019	82,136	[1]
2018	57,880	[1]
2017	32,122	[1]
Prior	44,097	[1]
Total loans	561,805	[1]
Accrued interest, 2021	507	[1]
Accrued interest, 2020	235	[1]
Accrued interest, 2019	220	[1]
Accrued interest, 2018	144	[1]
Accrued interest, 2017	81	[1]
Accrued interest, Prior	113	[1]
Accrued interest excluded from total	1,300	[1]
Installment [Member] | 800 and Above [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	18,316	[1]
2020	12,331	[1]
2019	13,345	[1]
2018	10,415	[1]
2017	5,781	[1]
Prior	8,722	[1]
Total loans	68,910	[1]
Installment [Member] | 750 to 799 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	128,191	[1]
2020	56,768	[1]
2019	44,299	[1]
2018	30,829	[1]
2017	17,261	[1]
Prior	20,496	[1]
Total loans	297,844	[1]
Installment [Member] | 700 to 749 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	62,673	[1]
2020	24,650	[1]
2019	17,733	[1]
2018	12,134	[1]
2017	5,672	[1]
Prior	9,490	[1]
Total loans	132,352	[1]
Installment [Member] | 650 to 699 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	31,402	[1]
2020	5,817	[1]
2019	5,392	[1]
2018	2,828	[1]
2017	2,376	[1]
Prior	3,615	[1]
Total loans	51,430	[1]
Installment [Member] | 600 to 649 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	2,124	[1]
2020	1,195	[1]
2019	772	[1]
2018	850	[1]
2017	621	[1]
Prior	1,072	[1]
Total loans	6,634	[1]
Installment [Member] | 550 to 599 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	667	[1]
2020	223	[1]
2019	381	[1]
2018	598	[1]
2017	167	[1]
Prior	417	[1]
Total loans	2,453	[1]
Installment [Member] | 500 to 549 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	47	[1]
2020	123	[1]
2019	161	[1]
2018	202	[1]
2017	64	[1]
Prior	256	[1]
Total loans	853	[1]
Installment [Member] | Under 500 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	6	[1]
2020	62	[1]
2019	53	[1]
2018	24	[1]
2017	180	[1]
Prior	29	[1]
Total loans	354	[1]
Installment [Member] | Unknown [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	975	[1]
2020	0	[1]
2019	0	[1]
2018	0	[1]
2017	0	[1]
Prior	0	[1]
Total loans	975	[1]
Installment [Member] | Boat Lending [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	78,582	[1]
2020	42,706	[1]
2019	37,931	[1]
2018	28,812	[1]
2017	17,508	[1]
Prior	22,601	[1]
Total loans	228,140	[1]
Accrued interest, 2021	169	[1]
Accrued interest, 2020	102	[1]
Accrued interest, 2019	106	[1]
Accrued interest, 2018	69	[1]
Accrued interest, 2017	44	[1]
Accrued interest, Prior	47	[1]
Accrued interest excluded from total	537	[1]
Installment [Member] | Boat Lending [Member] | 800 and Above [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	7,513	[1]
2020	5,786	[1]
2019	6,015	[1]
2018	4,906	[1]
2017	2,968	[1]
Prior	4,433	[1]
Total loans	31,621	[1]
Installment [Member] | Boat Lending [Member] | 750 to 799 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	47,434	[1]
2020	24,968	[1]
2019	21,052	[1]
2018	15,681	[1]
2017	9,797	[1]
Prior	10,971	[1]
Total loans	129,903	[1]
Installment [Member] | Boat Lending [Member] | 700 to 749 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	19,180	[1]
2020	9,724	[1]
2019	8,263	[1]
2018	6,467	[1]
2017	3,109	[1]
Prior	4,953	[1]
Total loans	51,696	[1]
Installment [Member] | Boat Lending [Member] | 650 to 699 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	3,845	[1]
2020	1,679	[1]
2019	2,301	[1]
2018	1,223	[1]
2017	1,166	[1]
Prior	1,378	[1]
Total loans	11,592	[1]
Installment [Member] | Boat Lending [Member] | 600 to 649 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	373	[1]
2020	419	[1]
2019	209	[1]
2018	327	[1]
2017	185	[1]
Prior	604	[1]
Total loans	2,117	[1]
Installment [Member] | Boat Lending [Member] | 550 to 599 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	237	[1]
2020	81	[1]
2019	91	[1]
2018	113	[1]
2017	115	[1]
Prior	191	[1]
Total loans	828	[1]
Installment [Member] | Boat Lending [Member] | 500 to 549 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	0	[1]
2020	49	[1]
2019	0	[1]
2018	85	[1]
2017	0	[1]
Prior	67	[1]
Total loans	201	[1]
Installment [Member] | Boat Lending [Member] | Under 500 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	0	[1]
2020	0	[1]
2019	0	[1]
2018	10	[1]
2017	168	[1]
Prior	4	[1]
Total loans	182	[1]
Installment [Member] | Boat Lending [Member] | Unknown [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	0	[1]
2020	0	[1]
2019	0	[1]
2018	0	[1]
2017	0	[1]
Prior	0	[1]
Total loans	0	[1]
Installment [Member] | Recreational Vehicle Lending [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	116,701	[1]
2020	40,280	[1]
2019	31,591	[1]
2018	22,029	[1]
2017	10,227	[1]
Prior	13,917	[1]
Total loans	234,745	[1]
Accrued interest, 2021	265	[1]
Accrued interest, 2020	93	[1]
Accrued interest, 2019	78	[1]
Accrued interest, 2018	56	[1]
Accrued interest, 2017	26	[1]
Accrued interest, Prior	28	[1]
Accrued interest excluded from total	546	[1]
Installment [Member] | Recreational Vehicle Lending [Member] | 800 and Above [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	8,475	[1]
2020	5,121	[1]
2019	5,837	[1]
2018	4,627	[1]
2017	2,456	[1]
Prior	3,594	[1]
Total loans	30,110	[1]
Installment [Member] | Recreational Vehicle Lending [Member] | 750 to 799 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	66,834	[1]
2020	22,707	[1]
2019	17,173	[1]
2018	11,973	[1]
2017	5,281	[1]
Prior	6,794	[1]
Total loans	130,762	[1]
Installment [Member] | Recreational Vehicle Lending [Member] | 700 to 749 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	32,702	[1]
2020	9,500	[1]
2019	6,169	[1]
2018	3,768	[1]
2017	1,657	[1]
Prior	2,343	[1]
Total loans	56,139	[1]
Installment [Member] | Recreational Vehicle Lending [Member] | 650 to 699 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	7,390	[1]
2020	2,423	[1]
2019	1,842	[1]
2018	948	[1]
2017	649	[1]
Prior	905	[1]
Total loans	14,157	[1]
Installment [Member] | Recreational Vehicle Lending [Member] | 600 to 649 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	990	[1]
2020	408	[1]
2019	291	[1]
2018	333	[1]
2017	152	[1]
Prior	111	[1]
Total loans	2,285	[1]
Installment [Member] | Recreational Vehicle Lending [Member] | 550 to 599 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	271	[1]
2020	100	[1]
2019	163	[1]
2018	318	[1]
2017	6	[1]
Prior	72	[1]
Total loans	930	[1]
Installment [Member] | Recreational Vehicle Lending [Member] | 500 to 549 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	39	[1]
2020	21	[1]
2019	105	[1]
2018	62	[1]
2017	26	[1]
Prior	91	[1]
Total loans	344	[1]
Installment [Member] | Recreational Vehicle Lending [Member] | Under 500 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	0	[1]
2020	0	[1]
2019	11	[1]
2018	0	[1]
2017	0	[1]
Prior	7	[1]
Total loans	18	[1]
Installment [Member] | Recreational Vehicle Lending [Member] | Unknown [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	0	[1]
2020	0	[1]
2019	0	[1]
2018	0	[1]
2017	0	[1]
Prior	0	[1]
Total loans	0	[1]
Installment [Member] | Other [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	49,118	[1]
2020	18,183	[1]
2019	12,614	[1]
2018	7,039	[1]
2017	4,387	[1]
Prior	7,579	[1]
Total loans	98,920	[1]
Accrued interest, 2021	73	[1]
Accrued interest, 2020	40	[1]
Accrued interest, 2019	36	[1]
Accrued interest, 2018	19	[1]
Accrued interest, 2017	11	[1]
Accrued interest, Prior	38	[1]
Accrued interest excluded from total	217	[1]
Installment [Member] | Other [Member] | 800 and Above [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	2,328	[1]
2020	1,424	[1]
2019	1,493	[1]
2018	882	[1]
2017	357	[1]
Prior	695	[1]
Total loans	7,179	[1]
Installment [Member] | Other [Member] | 750 to 799 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	13,923	[1]
2020	9,093	[1]
2019	6,074	[1]
2018	3,175	[1]
2017	2,183	[1]
Prior	2,731	[1]
Total loans	37,179	[1]
Installment [Member] | Other [Member] | 700 to 749 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	10,791	[1]
2020	5,426	[1]
2019	3,301	[1]
2018	1,899	[1]
2017	906	[1]
Prior	2,194	[1]
Total loans	24,517	[1]
Installment [Member] | Other [Member] | 650 to 699 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	20,167	[1]
2020	1,715	[1]
2019	1,249	[1]
2018	657	[1]
2017	561	[1]
Prior	1,332	[1]
Total loans	25,681	[1]
Installment [Member] | Other [Member] | 600 to 649 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	761	[1]
2020	368	[1]
2019	272	[1]
2018	190	[1]
2017	284	[1]
Prior	357	[1]
Total loans	2,232	[1]
Installment [Member] | Other [Member] | 550 to 599 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	159	[1]
2020	42	[1]
2019	127	[1]
2018	167	[1]
2017	46	[1]
Prior	154	[1]
Total loans	695	[1]
Installment [Member] | Other [Member] | 500 to 549 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	8	[1]
2020	53	[1]
2019	56	[1]
2018	55	[1]
2017	38	[1]
Prior	98	[1]
Total loans	308	[1]
Installment [Member] | Other [Member] | Under 500 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	6	[1]
2020	62	[1]
2019	42	[1]
2018	14	[1]
2017	12	[1]
Prior	18	[1]
Total loans	154	[1]
Installment [Member] | Other [Member] | Unknown [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	975	[1]
2020	0	[1]
2019	0	[1]
2018	0	[1]
2017	0	[1]
Prior	0	[1]
Total loans	$ 975	[1]
[1]	Credit scores have been updated within the last twelve months.

LOANS, Loan Ratings by Loan C_2

LOANS, Loan Ratings by Loan Class, Mortgage and Installment Segments (Details) $ in Thousands	Dec. 31, 2020USD ($)
Loan ratings/credit scores by loan class [Abstract]
Accrued interest included in total	$ 8,899	[1]
Mortgage [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	148,768
750-799	445,611
700-749	241,589
650-699	115,484
600-649	38,341
550-599	15,934
500-549	11,309
Under 500	3,068
Total	1,020,104
Accrued interest included in total	4,178	[1]
Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	61,077
750-799	223,177
700-749	101,086
650-699	40,296
600-649	11,146
550-599	0
500-549	3,396
Under 500	0
Total	440,178
Accrued interest included in total	1,301
Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	40,187
750-799	70,642
700-749	75,489
650-699	44,344
600-649	18,519
550-599	11,021
500-549	5,129
Under 500	2,242
Total	267,573
Accrued interest included in total	1,641
Mortgage [Member] | 1-4 Family Non-owner Occupied [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	25,468
750-799	82,124
700-749	30,326
650-699	13,182
600-649	4,303
550-599	2,388
500-549	1,580
Under 500	405
Total	159,776
Accrued interest included in total	587
Mortgage [Member] | 1-4 Family - 2nd Lien [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	12,490
750-799	42,138
700-749	22,962
650-699	11,269
600-649	2,703
550-599	1,608
500-549	1,012
Under 500	348
Total	94,530
Accrued interest included in total	373
Mortgage [Member] | Resort Lending [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	9,546
750-799	27,530
700-749	11,726
650-699	6,393
600-649	1,670
550-599	917
500-549	192
Under 500	73
Total	58,047
Accrued interest included in total	276
Installment [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	70,608
750-799	257,091
700-749	96,961
650-699	40,121
600-649	7,118
550-599	2,511
500-549	1,392
Under 500	210
Unknown	510
Total	476,522
Accrued interest included in total	1,185	[1]
Installment [Member] | Boat Lending [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	32,231
750-799	123,689
700-749	38,223
650-699	10,189
600-649	2,083
550-599	661
500-549	342
Under 500	95
Unknown	0
Total	207,513
Accrued interest included in total	572
Installment [Member] | Recreational Vehicle Lending [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	29,223
750-799	95,890
700-749	33,476
650-699	8,794
600-649	1,305
550-599	551
500-549	283
Under 500	52
Unknown	0
Total	169,574
Accrued interest included in total	457
Installment [Member] | Other [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	9,154
750-799	37,512
700-749	25,262
650-699	21,138
600-649	3,730
550-599	1,299
500-549	767
Under 500	63
Unknown	510
Total	99,435
Accrued interest included in total	$ 156
[1]	Beginning January 1, 2021, calculation is based on CECL methodology. Prior to January 1, 2021, calculation was based on the probable incurred loss methodology.

LOANS, Loans Serviced for Other

LOANS, Loans Serviced for Others (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2021USD ($)qtrPSARate	Dec. 31, 2020USD ($)PSARate	Dec. 31, 2019USD ($)
Mortgage loans serviced for others [Abstract]
Mortgage loans serviced	$ 3,323,521	$ 2,984,088
Custodial deposit accounts	$ 39,400	40,500
Maximum number of consecutive quarterly losses recorded for profitability requirement | qtr	4
Percentage of decline in net worth during the period	30.00%
Maximum percentage of decline in net worth for one consecutive quarter	25.00%
Maximum percentage of decline in net worth for two consecutive quarters	40.00%
Highest level of capital, Amount	$ 2,500
Highest level of capital	0.25%
Analysis of capitalized mortgage loan servicing rights [Abstract]
Balance at beginning of period	$ 16,904	19,171
Balance at beginning of period			$ 21,400
Originated servicing rights capitalized	11,436	13,957	7,303
Change in fair value due to price	3,380	(10,833)	(6,408)
Change in fair value due to pay downs	(5,488)	(5,391)	(3,124)
Balance at end of year	26,232	16,904	19,171
Loans sold and serviced that have had servicing rights capitalized	$ 3,323,521	$ 2,982,833	$ 2,580,705
Average coupon rate	3.46%	3.77%
Average servicing fee	0.256%	0.257%
Average discount rate	10.07%	10.09%
Average PSA Rate | PSARate	232	348
Fannie Mae [Member]
Mortgage loans serviced for others [Abstract]
Mortgage loans serviced	$ 1,753,255	$ 1,656,060
Freddie Mac [Member]
Mortgage loans serviced for others [Abstract]
Mortgage loans serviced	1,344,675	1,095,877
Ginnie Mae [Member]
Mortgage loans serviced for others [Abstract]
Mortgage loans serviced	170,983	181,615
FHLB [Member]
Mortgage loans serviced for others [Abstract]
Mortgage loans serviced	49,581	39,294
Other [Member]
Mortgage loans serviced for others [Abstract]
Mortgage loans serviced	$ 5,027	$ 11,242

OTHER REAL ESTATE (Details)

OTHER REAL ESTATE (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2021		Dec. 31, 2020		Dec. 31, 2019
Other Real Estate [Roll Forward]
Balance at beginning of year, net of valuation allowance		$ 738	[1]	$ 1,715	[1]	$ 1,178
Loans transferred to other real estate		253	[1]	332	[1]	2,242
Sales of other real estate		(745)	[1]	(1,161)	[1]	(1,438)
Additions to valuation allowance charged to expense		(11)	[1]	(148)	[1]	(267)
Balance at end of year, net of valuation allowance	[1]	235		738		1,715
Other repossessed assets		10		30
Real Estate Owned Valuation Allowance [Roll Forward]
Balance at beginning of year		90		92		144
Additions charged to expense		11		148		267
Direct write-downs upon sale		(70)		(150)		(319)
Balance at end of year		31		90		$ 92
Foreclosed residential real estate		200		700
Mortgage loans in process of foreclosure		600		300
Other real estate and repossessed assets		$ 245		$ 766
[1]	Table excludes other repossessed assets totaling $0.01 million and $0.03 million at December 31, 2021 and 2020, respectively.

PROPERTY AND EQUIPMENT (Details

PROPERTY AND EQUIPMENT (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Property, Plant and Equipment, Net [Abstract]
Property and equipment, gross	$ 151,010	$ 146,833
Accumulated depreciation and amortization	(114,606)	(110,706)
Property and equipment, net	36,404	36,127
Depreciation expense	5,400	5,300	$ 5,200
Land and Land Improvements [Member]
Property, Plant and Equipment, Net [Abstract]
Property and equipment, gross	17,296	17,083
Buildings [Member]
Property, Plant and Equipment, Net [Abstract]
Property and equipment, gross	58,870	57,208
Equipment [Member]
Property, Plant and Equipment, Net [Abstract]
Property and equipment, gross	$ 74,844	$ 72,542

GOODWILL AND OTHER INTANGIBLE_2

GOODWILL AND OTHER INTANGIBLES (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Amortized intangible assets - core deposits [Abstract]
Gross Carrying Amount	$ 11,916	$ 11,916
Accumulated Amortization	8,580	7,610
Unamortized intangible assets - goodwill [Abstract]
Gross Carrying Amount	28,300	28,300
Intangible amortization expense	1,000	$ 1,000	$ 1,100
Summary of estimated core deposit intangible amortization [Abstract]
2022	785
2023	547
2024	516
2025	487
2026	460
2027 and thereafter	541
Total	$ 3,336

DEPOSITS (Details)

DEPOSITS (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Summary of interest expense on deposits [Abstract]
Savings and interest-bearing checking		$ 2,101	$ 2,264	$ 5,371
Reciprocal		764	2,158	6,024
Time		1,507	7,073	7,148
Brokered time		93	1,171	4,882
Total		4,465	12,666	$ 23,425
Aggregate amount of time deposits of $250,000 or more		93,100	50,000
Time Deposits denominations amount		250	250
Summary of the maturity of time deposits [Abstract]
2022	[1]	269,067
2023	[1]	43,692
2024	[1]	10,067
2025	[1]	5,834
2026	[1]	6,794
2027 and thereafter	[1]	338
Total	[1]	335,792
Summary of reciprocal deposits [Abstract]
Demand		559,664	515,092
Money market		2,546	3,308
Time		24,416	37,785
Total		$ 586,626	$ 556,185
[1]	Includes time deposits, brokered time deposits and reciprocal time deposits

OTHER BORROWINGS (Details)

OTHER BORROWINGS (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Summary of other borrowings [Abstract]
Advances from the FHLB	$ 30,000	$ 30,000
Other	9	12
Total	30,009	30,012
Federal Home Loan Banks [Abstract]
Federal home loan bank stock	8,600
Unused borrowing capacity with FHLB	798,400
Interest expense on FHLB advances	200	500	$ 700
FHLB advances prepaid	$ 0	0	0
FHLB stock as percentages of outstanding advances	4.50%
Short-term Debt [Abstract]
Interest expense on federal funds purchased	$ 0	10	80
Available for sale and loans, pledged to secure other borrowings	$ 1,900,000
Minimum [Member]
Federal Home Loan Banks [Abstract]
Federal home loan bank, advances, interest rate	132.00%
FHLB stock as percentages of unpaid principal balance	0.10%
Maximum [Member]
Federal Home Loan Banks [Abstract]
Federal home loan bank, advances, interest rate	165.00%
Fixed-Rate Advances [Member]
Federal Home Loan Bank, Advances, Fiscal Year Maturity [Abstract]
Fixed-rate advances - 2027 and thereafter	$ 30,000	$ 30,000
Federal Home Loan Bank, Advances, Maturities Summary, Average Interest Rate of Amounts Due [Abstract]
Fixed-rate advances - 2027 and thereafter, Rate	0.74%	0.74%
Federal Reserve Bank Advances [Member]
Short-term Debt [Abstract]
Borrowings	$ 0	$ 0
Average borrowings	0	$ 1,546	$ 305
Unused borrowing capacity	$ 383,400

SUBORDINATED DEBT AND DEBENTU_3

SUBORDINATED DEBT AND DEBENTURES, Subordinated Debt (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	May 31, 2020
Subordinated Debt [Abstract]
Subordinated debt	$ 39,357	$ 39,281
Subordinated Debt [Member]
Subordinated Debt [Abstract]
Subordinated notes issued			$ 40,000
Maturity period	10 years
Maturity date	May 31, 2030
Call option period	5 years
Coupon rate			5.95%
Fixed coupon rate percentage, period	5 years
Subordinated debt	$ 39,400	39,300
Unamortized deferred issuance costs	$ 600	$ 700
Subordinated Debt [Member] | SOFR [Member]
Subordinated Debt [Abstract]
Basis spread on variable rate	5.825%

SUBORDINATED DEBT AND DEBENTU_4

SUBORDINATED DEBT AND DEBENTURES, Subordinated Debentures (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2021USD ($)qtr	Dec. 31, 2020USD ($)	Mar. 31, 2018USD ($)
SUBORDINATED DEBT AND DEBENTURES [Abstract]
Trust preferred securities	$ 38,400	$ 38,300
Summary of information regarding subordinated debentures [Abstract]
Subordinated Debentures	$ 39,592	39,524
Summary of subordinated debentures and trust preferred securities [Abstract]
Distribution deferral period, maximum quarters | qtr	20
IBC Capital Finance III [Member]
Summary of information regarding subordinated debentures [Abstract]
Issue Date	May 30, 2007
Summary of subordinated debentures and trust preferred securities [Abstract]
Maturity Date	Jul. 30, 2037
Interest Rate Spread	1.60%
First Permitted Redemption Date	Jul. 30, 2012
IBC Capital Finance III [Member] | LIBOR [Member]
Summary of subordinated debentures and trust preferred securities [Abstract]
Term of Variable Rate	3 months
IBC Capital Finance IV [Member]
Summary of information regarding subordinated debentures [Abstract]
Issue Date	Sep. 30, 2007
Summary of subordinated debentures and trust preferred securities [Abstract]
Maturity Date	Sep. 15, 2037
Interest Rate Spread	2.85%
First Permitted Redemption Date	Sep. 15, 2012
IBC Capital Finance IV [Member] | LIBOR [Member]
Summary of subordinated debentures and trust preferred securities [Abstract]
Term of Variable Rate	3 months
Midwest Guaranty Trust I [Member]
Summary of information regarding subordinated debentures [Abstract]
Issue Date	Nov. 30, 2002
Summary of subordinated debentures and trust preferred securities [Abstract]
Maturity Date	Nov. 7, 2032
Interest Rate Spread	3.45%
First Permitted Redemption Date	Nov. 7, 2007
Midwest Guaranty Trust I [Member] | LIBOR [Member]
Summary of subordinated debentures and trust preferred securities [Abstract]
Term of Variable Rate	3 months
TCSB Statutory Trust I [Member]
Summary of information regarding subordinated debentures [Abstract]
Issue Date	Mar. 31, 2005
Summary of subordinated debentures and trust preferred securities [Abstract]
Maturity Date	Mar. 17, 2035
Interest Rate Spread	2.20%
First Permitted Redemption Date	Mar. 17, 2010
TCSB Statutory Trust I [Member] | LIBOR [Member]
Summary of subordinated debentures and trust preferred securities [Abstract]
Term of Variable Rate	3 months
Subordinated Debentures Subject to Mandatory Redemption [Member]
Summary of information regarding subordinated debentures [Abstract]
Subordinated Debentures	$ 39,592	39,524
Subordinated Debentures Subject to Mandatory Redemption [Member] | IBC Capital Finance III [Member]
Summary of information regarding subordinated debentures [Abstract]
Subordinated Debentures	12,372	12,372
Subordinated Debentures Subject to Mandatory Redemption [Member] | IBC Capital Finance IV [Member]
Summary of information regarding subordinated debentures [Abstract]
Subordinated Debentures	15,465	15,465
Subordinated Debentures Subject to Mandatory Redemption [Member] | Midwest Guaranty Trust I [Member]
Summary of information regarding subordinated debentures [Abstract]
Subordinated Debentures	7,732	7,732
Subordinated Debentures Subject to Mandatory Redemption [Member] | TCSB Statutory Trust I [Member]
Summary of information regarding subordinated debentures [Abstract]
Subordinated Debentures	5,155	5,155
Discount	(1,132)	(1,200)	$ (1,400)
Trust Preferred Securities Subject to Mandatory Redemption [Member]
Summary of information regarding subordinated debentures [Abstract]
Trust Preferred Securities Issued	38,368	38,300
Trust Preferred Securities Subject to Mandatory Redemption [Member] | IBC Capital Finance III [Member]
Summary of information regarding subordinated debentures [Abstract]
Trust Preferred Securities Issued	12,000	12,000
Trust Preferred Securities Subject to Mandatory Redemption [Member] | IBC Capital Finance IV [Member]
Summary of information regarding subordinated debentures [Abstract]
Trust Preferred Securities Issued	15,000	15,000
Trust Preferred Securities Subject to Mandatory Redemption [Member] | Midwest Guaranty Trust I [Member]
Summary of information regarding subordinated debentures [Abstract]
Trust Preferred Securities Issued	7,500	7,500
Trust Preferred Securities Subject to Mandatory Redemption [Member] | TCSB Statutory Trust I [Member]
Summary of information regarding subordinated debentures [Abstract]
Trust Preferred Securities Issued	5,000	5,000
Discount	(1,132)	(1,200)
Common Stock Subject to Mandatory Redemption [Member]
Summary of information regarding subordinated debentures [Abstract]
Common Stock Issued	1,224	1,224
Common Stock Subject to Mandatory Redemption [Member] | IBC Capital Finance III [Member]
Summary of information regarding subordinated debentures [Abstract]
Common Stock Issued	372	372
Common Stock Subject to Mandatory Redemption [Member] | IBC Capital Finance IV [Member]
Summary of information regarding subordinated debentures [Abstract]
Common Stock Issued	465	465
Common Stock Subject to Mandatory Redemption [Member] | Midwest Guaranty Trust I [Member]
Summary of information regarding subordinated debentures [Abstract]
Common Stock Issued	232	232
Common Stock Subject to Mandatory Redemption [Member] | TCSB Statutory Trust I [Member]
Summary of information regarding subordinated debentures [Abstract]
Common Stock Issued	155	155
Discount	$ 0	$ 0

COMMITMENTS AND CONTINGENT LI_3

COMMITMENTS AND CONTINGENT LIABILITIES (Details) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2021USD ($)shares	Feb. 25, 2022USD ($)$ / shares	Dec. 31, 2020USD ($)
COVID-19 [Abstract]
Loans and leases receivable	$ 395,000
% of Total Loans	13.60%
VISA Class A Stock [Member]
Visa Stock [Abstract]
Current conversion ratio	1.6181
VISA Class A Stock [Member] | Subsequent Event [Member]
Visa Stock [Abstract]
Closing price (in dollars per share) | $ / shares		$ 219.27
VISA Class B Stock [Member]
Visa Stock [Abstract]
Number of shares owned (in shares) | shares	12,566
VISA Class B Stock [Member] | Subsequent Event [Member]
Visa Stock [Abstract]
Current value of shares owned		$ 4,500
Commercial [Member]
COVID-19 [Abstract]
Loans in forbearance	$ 0
Commercial and Industrial [Member]
COVID-19 [Abstract]
Loans and leases receivable	$ 159,000
% of Total Loans	5.50%
Commercial and Industrial [Member] | Retail [Member]
COVID-19 [Abstract]
Loans and leases receivable	$ 70,000
% of Total Loans	2.40%
Commercial and Industrial [Member] | Food Service [Member]
COVID-19 [Abstract]
Loans and leases receivable	$ 49,000
% of Total Loans	1.70%
Commercial and Industrial [Member] | Hotel [Member]
COVID-19 [Abstract]
Loans and leases receivable	$ 40,000
% of Total Loans	1.40%
Commercial Real Estate [Member]
COVID-19 [Abstract]
Loans and leases receivable	$ 236,000
% of Total Loans	8.10%
Commercial Real Estate [Member] | Retail [Member]
COVID-19 [Abstract]
Loans and leases receivable	$ 109,000
% of Total Loans	3.80%
Commercial Real Estate [Member] | Office [Member]
COVID-19 [Abstract]
Loans and leases receivable	$ 72,000
% of Total Loans	2.50%
Commercial Real Estate [Member] | Multifamily [Member]
COVID-19 [Abstract]
Loans and leases receivable	$ 55,000
% of Total Loans	1.90%
Commitments to Extend Credit [Member]
Off-balance Sheet Risks [Abstract]
Financial instruments risk represented by contract amounts	$ 672,693		$ 644,815
Standby Letters of Credit [Member]
Off-balance Sheet Risks [Abstract]
Financial instruments risk represented by contract amounts	$ 9,208		$ 9,361
Standby Letters of Credit [Member] | Minimum [Member]
Off-balance Sheet Risks [Abstract]
Variable interest rate	2.50%
Standby Letters of Credit [Member] | Maximum [Member]
Off-balance Sheet Risks [Abstract]
Variable interest rate	12.00%

SHAREHOLDERS' EQUITY AND NET _3

SHAREHOLDERS' EQUITY AND NET INCOME PER COMMON SHARE, Shareholders' Equity (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019	Jun. 30, 2019
Share Repurchase Plan [Abstract]
Stock repurchased (in shares)	814,910	708,956	1,204,688
Stock repurchased	$ 17,269	$ 14,231	$ 26,284
Common Stock [Member]
Share Repurchase Plan [Abstract]
Share repurchase plan percentage of shares authorized to be repurchased	5.00%	5.00%	5.00%
Number of shares authorized for repurchase (in shares)				300,000
Stock repurchased (in shares)	814,910	708,956	1,204,688
Stock repurchased	$ 17,269	$ 14,231	$ 26,284

SHAREHOLDERS' EQUITY AND NET _4

SHAREHOLDERS' EQUITY AND NET INCOME PER COMMON SHARE, Earnings Per Share Reconciliation (Details) - USD ($) $ / shares in Units, $ in Thousands		12 Months Ended
		Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Earnings Per Share Reconciliation [Abstract]
Net income		$ 62,895	$ 56,152	$ 46,435
Weighted average shares outstanding (in shares)	[1]	21,585,000	21,977,000	22,894,000
Stock units for deferred compensation plan for non-employee directors (in shares)		121,000	121,000	132,000
Effect of stock options (in shares)		69,000	90,000	115,000
Performance share units (in shares)		32,000	33,000	42,000
Weighted average shares outstanding for calculation of diluted earnings per share (in shares)		21,807,000	22,221,000	23,183,000
Net income per common share [Abstract]
Basic (in dollars per share)	[1]	$ 2.91	$ 2.56	$ 2.03
Diluted (in dollars per share)		$ 2.88	$ 2.53	$ 2
Stock Options [Member]
Antidilutive Securities [Abstract]
Antidilutive shares excluded from computation of diluted loss per share (in shares)		0	0	0
[1]	Basic net income per common share includes weighted average common shares outstanding during the period and participating share awards.

INCOME TAX (Details)

INCOME TAX (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Income tax expense [Abstract]
Current expense		$ 12,506	$ 15,459	$ 10,237
Deferred expense (benefit)		1,912	(2,130)	1,088
Income tax expense		$ 14,418	$ 13,329	$ 11,325
Statutory federal income tax rate		21.00%	21.00%	21.00%
Reconciliation of income tax expense [Abstract]
Statutory rate applied to income before income tax		$ 16,236	$ 14,591	$ 12,130
Tax-exempt income		(1,487)	(690)	(375)
Share-based compensation		(184)	(204)	(204)
Bank owned life insurance		(119)	(196)	(233)
Unrecognized tax benefit		(11)	(206)	(134)
Non-deductible meals, entertainment and memberships		32	57	86
Other, net		(49)	(23)	55
Income tax expense		14,418	13,329	11,325
Deferred tax assets [Abstract]
Allowance for credit losses	[1]	9,923	7,363
Property and equipment		1,405	1,047
Lease liabilities		1,386	1,652
Reserve for unfunded lending commitments		941	379
Share-based compensation		734	742
Deferred compensation		390	321
Loss reimbursement on sold loans reserve		242	214
Non accrual loan interest income		194	203
Other than temporary impairment charge on securities available for sale		144	144
Other		276	0
Gross deferred tax assets		15,635	12,065
Deferred tax liabilities [Abstract]
Capitalized mortgage loan servicing rights		5,509	3,550
Deferred loan fees		2,011	1,901
Unrealized gain on securities available for sale		1,674	4,206
Lease right of use asset		1,361	1,606
Purchase premiums, net		735	509
Other		0	18
Gross deferred tax liabilities		11,290	11,790
Deferred tax assets, net	[2]	4,345	275
Changes in unrecognized tax benefits [Roll Forward]
Balance at beginning of year		180	438	588
Additions based on tax positions related to the current year		11	15	20
Reductions due to the statute of limitations		(11)	(273)	(170)
Reductions due to settlements		0	0	0
Balance at end of year		180	180	438
Unrecognized tax benefits of effective tax rate		40
Penalties and interest expense		0	0	0
Penalties and interest accrued		$ 0	$ 0	$ 0
Open tax year		2018
[1]	Beginning January 1, 2021, calculation is based on CECL methodology. Prior to January 1, 2021, calculation was based on the probable incurred loss methodology.
[2]	Included in accrued income and other assets on the Consolidated Statements of Financial Position.

SHARE BASED COMPENSATION AND _3

SHARE BASED COMPENSATION AND BENEFIT PLANS, Share Based Payment Plans (Details) - USD ($) shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Share Based Compensation [Abstract]
Number of additional shares approved for grant (in shares)	700
Shares issued on deferral basis credited percentage of current value	90.00%
Total compensation cost not yet recognized	$ 2,100
Total compensation cost not yet recognized, period for recognition	1 year 9 months 18 days
Long-Term Incentive Plan [Member]
Share Based Compensation [Abstract]
Total compensation expense recognized	$ 1,600	$ 1,600	$ 1,600
Tax benefit relating to compensation expense recognized	$ 300	300	$ 300
Restricted Stock [Member] | Long-Term Incentive Plan [Member]
Share Based Compensation [Abstract]
Number of restricted stock units issued to executive officers (in shares)			10
Vesting period			3 years
Non-Employee Directors [Member]
Share Based Compensation [Abstract]
Number of additional shares approved for grant (in shares)	100
Total compensation expense recognized	$ 400	400	$ 300
Tax benefit relating to compensation expense recognized	$ 80	$ 70	$ 50
Executive Officers [Member] | Restricted Stock [Member] | Long-Term Incentive Plan [Member]
Share Based Compensation [Abstract]
Number of restricted stock units issued to executive officers (in shares)	90	60	60
Vesting period	3 years	3 years
Executive Officers [Member] | Performance Stock Units [Member] | Long-Term Incentive Plan [Member]
Share Based Compensation [Abstract]
Number of restricted stock units issued to executive officers (in shares)	20	20	20
Vesting period	3 years	3 years
Directors [Member]
Share Based Compensation [Abstract]
Shares issues as retainer fees (in shares)	20	20	10

SHARE BASED COMPENSATION AND _4

SHARE BASED COMPENSATION AND BENEFIT PLANS, Outstanding Stock Option Grants and Related Transactions (Details) - Stock Options [Member] $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2021USD ($)$ / sharesshares
Number of Shares [Roll Forward]
Outstanding, beginning balance (in shares)	121,189
Granted (in shares)	0
Exercised (in shares)	(40,350)
Forfeited (in shares)	0
Expired (in shares)	0
Outstanding, ending balance (in shares)	80,839
Vested and expected to vest, period end (in shares)	80,839
Exercisable, period end (in shares)	80,839
Average Exercise Price [Roll Forward]
Outstanding, beginning balance (in dollars per share) | $ / shares	$ 4.81
Exercised (in dollars per share) | $ / shares	2.90
Outstanding, ending balance (in dollars per share) | $ / shares	5.76
Vested and expected to vest, period end (in dollars per share) | $ / shares	5.76
Exercisable, period end (in dollars per share) | $ / shares	$ 5.76
Weighted-Average Remaining Contractual Term [Abstract]
Outstanding, weighted-average remaining contractual term	1 year 7 months 6 days
Vested and expected to vest, weighted-average remaining contractual term	1 year 7 months 6 days
Exercisable, weighted-average remaining contractual term	1 year 7 months 6 days
Aggregate Intrinsic Value [Abstract]
Outstanding, aggregate intrinsic value | $	$ 1,464
Vested and expected to vest, aggregate intrinsic value | $	1,464
Exercisable, aggregate intrinsic value | $	$ 1,464

SHARE BASED COMPENSATION AND _5

SHARE BASED COMPENSATION AND BENEFIT PLANS, Outstanding Non-vested Stock and Related Transactions (Details) - Non-vested Restricted Stock and PSU's [Member]	12 Months Ended
	Dec. 31, 2021$ / sharesshares
Number of Shares [Roll Forward]
Outstanding, beginning balance (in shares) | shares	207,117
Granted (in shares) | shares	114,565
Vested (in shares) | shares	(73,081)
Forfeited (in shares) | shares	(14,375)
Outstanding, ending balance (in shares) | shares	234,226
Weighted-Average Grant Date Fair Value [Roll Forward]
Outstanding, beginning balance (in dollars per share) | $ / shares	$ 22.70
Granted (in dollars per share) | $ / shares	20.45
Vested (in dollars per share) | $ / shares	22.82
Forfeited (in dollars per share) | $ / shares	21.89
Outstanding, ending balance (in dollars per share) | $ / shares	$ 21.64

SHARE BASED COMPENSATION AND _6

SHARE BASED COMPENSATION AND BENEFIT PLANS, Options Exercised During the Periods (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Information regarding options exercised [Abstract]
Employee matching contribution, percentage	50.00%	50.00%	50.00%
Maximum contribution of employees' eligible wages	8.00%	8.00%	8.00%
Maximum matching contribution, percent	6.00%
Employee stock ownership plan (ESOP), contributions	2.00%	2.00%	2.00%
401(k) and employee stock ownership plans amount expensed	$ 3,300	$ 3,200	$ 2,600
Performance-based compensation expense	15,600	15,700	9,500
Health care and life insurance expense	6,100	4,800	5,700
Stock Options [Member]
Information regarding options exercised [Abstract]
Intrinsic value	752	293	897
Cash proceeds received	117	57	706
Tax benefit realized	$ 158	$ 61	$ 188

OTHER NON-INTEREST INCOME (Deta

OTHER NON-INTEREST INCOME (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
OTHER NON-INTEREST INCOME [Abstract]
Investment and insurance commissions	$ 2,603	$ 1,971	$ 1,658
ATM fees	1,133	1,197	1,403
Bank owned life insurance	567	910	1,111
Other	5,089	3,443	5,110
Total	$ 9,392	$ 7,521	$ 9,282

DERIVATIVE FINANCIAL INSTRUME_3

DERIVATIVE FINANCIAL INSTRUMENTS, Type of Hedge Designation and Fair Value of Derivative Instruments (Details) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Sep. 30, 2020	Mar. 31, 2020	Dec. 31, 2021	Dec. 31, 2020
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives			$ 12,283	$ 16,782
Liability Derivatives			5,961	11,754
Interest-Rate Cap Agreements [Member]
Derivative financial instrument according to type of hedge [Abstract]
Unrealized loss on derivative instrument to be reclassified into earnings	$ (500)	$ (2,000)
Fair Value Hedge Designation [Member]
Derivative financial instrument according to type of hedge [Abstract]
Notional Amount			$ 155,648	$ 49,038
Average Maturity			5 years 10 months 24 days	7 years 3 months 18 days
Fair Value			$ 4,029	$ (761)
No Hedge Designation [Member]
Derivative financial instrument according to type of hedge [Abstract]
Notional Amount			$ 741,743	$ 815,576
Average Maturity			3 years 4 months 24 days	2 years
Fair Value			$ 2,293	$ 5,789
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives			7,870	16,767
Liability Derivatives			5,577	10,978
No Hedge Designation [Member] | Rate-Lock Mortgage Loan Commitments [Member]
Derivative financial instrument according to type of hedge [Abstract]
Notional Amount			$ 129,846	$ 168,816
Average Maturity			1 month 6 days	1 month 6 days
Fair Value			$ 2,140	$ 7,020
No Hedge Designation [Member] | Mandatory Commitments to Sell Mortgage Loans [Member]
Derivative financial instrument according to type of hedge [Abstract]
Notional Amount			$ 97,737	$ 186,092
Average Maturity			1 month 6 days	1 month 6 days
Fair Value			$ (68)	$ (941)
No Hedge Designation [Member] | Interest Rate Swaption Agreement [Member]
Derivative financial instrument according to type of hedge [Abstract]
Notional Amount			$ 10,000
Average Maturity			2 months 12 days
Fair Value			$ 186
No Hedge Designation [Member] | Interest-Rate Cap Agreements [Member]
Derivative financial instrument according to type of hedge [Abstract]
Notional Amount			$ 90,000	$ 135,000
Average Maturity			1 year 3 months 18 days	1 year 9 months 18 days
Fair Value			$ 35	$ 5
No Hedge Designation [Member] | Purchased Options [Member]
Derivative financial instrument according to type of hedge [Abstract]
Notional Amount				$ 2,908
Average Maturity				6 months
Fair Value				$ 42
No Hedge Designation [Member] | Written Options [Member]
Derivative financial instrument according to type of hedge [Abstract]
Notional Amount				$ 2,848
Average Maturity				6 months
Fair Value				$ (42)
Fixed Income Interest Rate [Member] | Fair Value Hedge Designation [Member] | Interest Rate Swap [Member]
Derivative financial instrument according to type of hedge [Abstract]
Notional Amount			$ 6,753	$ 7,088
Average Maturity			7 years 4 months 24 days	8 years 4 months 24 days
Fair Value			$ (384)	$ (776)
Fixed Income Interest Rate [Member] | Fair Value Hedge Designation [Member] | Interest Rate Swap [Member]
Derivative financial instrument according to type of hedge [Abstract]
Notional Amount			$ 148,895	$ 41,950
Average Maturity			5 years 9 months 18 days	7 years 1 month 6 days
Fair Value			$ 4,413	$ 15
Fixed Income Interest Rate [Member] | No Hedge Designation [Member] | Interest Rate Swap [Member]
Derivative financial instrument according to type of hedge [Abstract]
Notional Amount			$ 207,080	$ 147,456
Average Maturity			5 years 8 months 12 days	4 years 6 months
Fair Value			$ (5,179)	$ (9,700)
Fixed Income Interest Rate [Member] | No Hedge Designation [Member] | Interest Rate Swap [Member]
Derivative financial instrument according to type of hedge [Abstract]
Notional Amount				$ 25,000
Average Maturity				7 months 6 days
Fair Value				$ (295)
Variable Income Interest Rate [Member] | No Hedge Designation [Member] | Interest Rate Swap [Member]
Derivative financial instrument according to type of hedge [Abstract]
Notional Amount			$ 207,080	$ 147,456
Average Maturity			5 years 8 months 12 days	4 years 6 months
Fair Value			$ 5,179	$ 9,700
Other Assets [Member] | No Hedge Designation [Member] | Rate-Lock Mortgage Loan Commitments [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives			2,140	7,020
Other Assets [Member] | No Hedge Designation [Member] | Mandatory Commitments to Sell Mortgage Loans [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives			0	0
Other Assets [Member] | No Hedge Designation [Member] | Interest Rate Swaption Agreement [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives			186	0
Other Assets [Member] | No Hedge Designation [Member] | Interest-Rate Cap Agreements [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives			35	5
Other Assets [Member] | No Hedge Designation [Member] | Purchased Options [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives			0	42
Other Assets [Member] | No Hedge Designation [Member] | Written Options [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives			0	0
Other Assets [Member] | Fixed Income Interest Rate [Member] | Designated as Hedging Instrument [Member] | Interest Rate Swap [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives			4,413	15
Other Assets [Member] | Fixed Income Interest Rate [Member] | No Hedge Designation [Member] | Interest Rate Swap [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives			165	0
Other Assets [Member] | Fixed Income Interest Rate [Member] | No Hedge Designation [Member] | Interest Rate Swap [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives			0	0
Other Assets [Member] | Variable Income Interest Rate [Member] | No Hedge Designation [Member] | Interest Rate Swap [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives			5,344	9,700
Other Liabilities [Member] | No Hedge Designation [Member] | Rate-Lock Mortgage Loan Commitments [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Liability Derivatives			0	0
Other Liabilities [Member] | No Hedge Designation [Member] | Mandatory Commitments to Sell Mortgage Loans [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Liability Derivatives			68	941
Other Liabilities [Member] | No Hedge Designation [Member] | Interest Rate Swaption Agreement [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Liability Derivatives			0	0
Other Liabilities [Member] | No Hedge Designation [Member] | Interest-Rate Cap Agreements [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Liability Derivatives			0	0
Other Liabilities [Member] | No Hedge Designation [Member] | Purchased Options [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Liability Derivatives			0	0
Other Liabilities [Member] | No Hedge Designation [Member] | Written Options [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Liability Derivatives			0	42
Other Liabilities [Member] | Fixed Income Interest Rate [Member] | Designated as Hedging Instrument [Member] | Interest Rate Swap [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Liability Derivatives			384	776
Other Liabilities [Member] | Fixed Income Interest Rate [Member] | No Hedge Designation [Member] | Interest Rate Swap [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Liability Derivatives			5,344	9,700
Other Liabilities [Member] | Fixed Income Interest Rate [Member] | No Hedge Designation [Member] | Interest Rate Swap [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Liability Derivatives			0	295
Other Liabilities [Member] | Variable Income Interest Rate [Member] | No Hedge Designation [Member] | Interest Rate Swap [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Liability Derivatives			$ 165	$ 0

DERIVATIVE FINANCIAL INSTRUME_4

DERIVATIVE FINANCIAL INSTRUMENTS, Effect on Statement of Operations (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Effect of derivative financial instruments on the consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Other Comprehensive Income (Loss) (Effective Portion)	$ 0	$ (354)	$ (1,603)
Fair Value Hedge Designation [Member]
Effect of derivative financial instruments on the consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income	4,790	(519)	(242)
Fair Value Hedge Designation [Member] | Interest Rate Swap [Member] | Interest and Fees on Loans [Member]
Effect of derivative financial instruments on the consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income	392	(534)	(242)
Fair Value Hedge Designation [Member] | Interest Rate Swap [Member] | Interest on Securities Available for Sale - Tax-exempt [Member]
Effect of derivative financial instruments on the consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income	4,398	15	0
Cash Flow Hedge Designation [Member]
Effect of derivative financial instruments on the consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Other Comprehensive Income (Loss) (Effective Portion)	0	(354)	(1,603)
Gain (Loss) Reclassified from Accumulated Other Comprehensive Income into Income (Effective Portion)	0	(2,539)	425
Cash Flow Hedge Designation [Member] | Interest-Rate Cap Agreements [Member]
Effect of derivative financial instruments on the consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Other Comprehensive Income (Loss) (Effective Portion)	0	125	(1,211)
Cash Flow Hedge Designation [Member] | Interest-Rate Cap Agreements [Member] | Interest Expense [Member]
Effect of derivative financial instruments on the consolidated financial statements of operations [Abstract]
Gain (Loss) Reclassified from Accumulated Other Comprehensive Income into Income (Effective Portion)	0	(1,885)	363
Cash Flow Hedge Designation [Member] | Fixed Income Interest Rate [Member] | Interest Rate Swap [Member]
Effect of derivative financial instruments on the consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Other Comprehensive Income (Loss) (Effective Portion)	0	(479)	(392)
Cash Flow Hedge Designation [Member] | Fixed Income Interest Rate [Member] | Interest Rate Swap [Member] | Interest Expense [Member]
Effect of derivative financial instruments on the consolidated financial statements of operations [Abstract]
Gain (Loss) Reclassified from Accumulated Other Comprehensive Income into Income (Effective Portion)	0	(654)	62
No Hedge Designation [Member]
Effect of derivative financial instruments on the consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income	(3,684)	4,989	960
No Hedge Designation [Member] | Rate-Lock Mortgage Loan Commitments [Member] | Net Gains on Mortgage Loans [Member]
Effect of derivative financial instruments on the consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income	(4,880)	5,608	725
No Hedge Designation [Member] | Mandatory Commitments to Sell Mortgage Loans [Member] | Net Gains on Mortgage Loans [Member]
Effect of derivative financial instruments on the consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income	873	(791)	233
No Hedge Designation [Member] | Interest-Rate Cap Agreements [Member] | Interest Expense [Member]
Effect of derivative financial instruments on the consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income	30	(57)	0
No Hedge Designation [Member] | Interest Rate Swaption Agreement [Member] | Net Gains on Mortgage Loans [Member]
Effect of derivative financial instruments on the consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income	(2)	0	0
No Hedge Designation [Member] | Purchased Options [Member] | Interest Expense [Member]
Effect of derivative financial instruments on the consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income	(42)	(99)	25
No Hedge Designation [Member] | Written Options [Member] | Interest Expense [Member]
Effect of derivative financial instruments on the consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income	42	97	(23)
No Hedge Designation [Member] | Fixed Income Interest Rate [Member] | Interest Rate Swap [Member] | Interest Income [Member]
Effect of derivative financial instruments on the consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income	4,521	(6,059)	(4,046)
No Hedge Designation [Member] | Fixed Income Interest Rate [Member] | Interest Rate Swap [Member] | Interest Expense [Member]
Effect of derivative financial instruments on the consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income	295	231	0
No Hedge Designation [Member] | Variable Income Interest Rate [Member] | Interest Rate Swap [Member] | Interest Income [Member]
Effect of derivative financial instruments on the consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income	$ (4,521)	$ 6,059	$ 4,046

RELATED PARTY TRANSACTIONS (Det

RELATED PARTY TRANSACTIONS (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Summary of loans and leases receivable [Roll Forward]
Balance at beginning of year	$ 2,416	$ 13,077
New loans and advances	5,722	417
Repayments	(1,259)	(11,078)
Balance at end of year	6,879	2,416
Loan commitments to directors and executive officers	1,900	1,740
Outstanding loan commitments to directors and executive officers	20	40
Directors and executive officers deposit	$ 3,400	$ 2,000
Minimum [Member]
Related Party Transaction [Abstract]
Related party entity ownership percentage	10.00%

LEASES (Details)

LEASES (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Components of operating leases [Abstract]
Operating lease cost		$ 1,672	$ 1,780	$ 2,217
Variable lease cost		63	69	142
Short-term lease cost		64	36	19
Total		1,799	1,885	$ 2,378
Supplemental balance sheet information related to operating leases [Abstract]
Lease right of use asset	[1]	$ 6,481	$ 7,646
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible List]		Other Assets	Other Assets
Lease liabilities	[2]	$ 6,602	$ 7,868
Operating Lease, Liability, Statement of Financial Position [Extensible List]		Other Liabilities	Other Liabilities
Weighted average remaining lease term (years)		6 years 6 months	7 years 1 month 13 days
Weighted average discount rate		2.30%	2.40%
Maturities of lease liabilities [Abstract]
2022		$ 1,619
2023		1,311
2024		816
2025		809
2026		744
2027 and thereafter		1,795
Total lease payments		7,094
Less imputed interest		(492)
Total	[2]	$ 6,602	$ 7,868
[1]	Included in Accrued income and other assets in our Consolidated Statements of Financial Condition.
[2]	Included in Accrued expenses and other liabilities in our Consolidated Statements of Financial Condition.

CONCENTRATIONS OF CREDIT RISK (

CONCENTRATIONS OF CREDIT RISK (Details) $ in Millions	Dec. 31, 2021USD ($)
Residential Real Estate [Member]
Concentration of Risk [Abstract]
Concentration of risk loans receivable	$ 999
Construction and Land Development Loans [Member]
Concentration of Risk [Abstract]
Concentration of risk loans receivable	279
Lessors of Nonresidential Real Estate [Member]
Concentration of Risk [Abstract]
Concentration of risk loans receivable	358.6
Construction [Member]
Concentration of Risk [Abstract]
Concentration of risk loans receivable	126.8
Lessors of Residential Real Estate [Member]
Concentration of Risk [Abstract]
Concentration of risk loans receivable	100.2
Health Care and Social Assistance [Member]
Concentration of Risk [Abstract]
Concentration of risk loans receivable	92
Accommodation and Food Services [Member]
Concentration of Risk [Abstract]
Concentration of risk loans receivable	90.1
Manufacturing [Member]
Concentration of Risk [Abstract]
Concentration of risk loans receivable	$ 73.4

REGULATORY MATTERS (Details)

REGULATORY MATTERS (Details) $ in Thousands		12 Months Ended
		Dec. 31, 2021USD ($)	Dec. 31, 2020USD ($)	Dec. 31, 2019USD ($)	Dec. 31, 2018USD ($)
REGULATORY MATTERS [Abstract]
Undivided profits		$ 100,100
Tier 1 capital to average assets [Abstract]
Capital conservation buffer		0.0250	0.0250
Components of regulatory capital [Abstract]
Total shareholders' equity		$ 398,484	$ 389,522	$ 350,169	$ 338,994
Add (deduct) [Abstract]
Accumulated other comprehensive loss for regulatory purposes		501	10,024
Subordinated debt		$ 39,357	39,281
Period of transition method for regulatory purposes		3 years
Consolidated [Member]
Total capital to risk-weighted assets [Abstract]
Total risk-based capital	[1]	$ 488,495	$ 455,072
Actual, Ratio	[1]	0.1453	0.1595
Minimum for Adequately Capitalized Institutions, Amount	[1]	$ 268,991	$ 228,214
Minimum for Adequately Capitalized Institutions, Ratio	[1]	0.0800	0.0800
Tier 1 capital to risk-weighted assets [Abstract]
Actual, Amount	[1]	$ 406,645	$ 379,395
Actual, Ratio	[1]	0.1209	0.1330
Minimum for Adequately Capitalized Institutions, Amount	[1]	$ 201,743	$ 171,161
Minimum for Adequately Capitalized Institutions, Ratio	[1]	0.0600	0.0600
Common equity tier 1 capital to risk-weighted assets [Abstract]
Actual, Amount	[1]	$ 368,277	$ 341,095
Actual, Ratio	[1]	0.1095	0.1196
Minimum for Adequately Capitalized Institutions, Amount	[1]	$ 151,307	$ 128,370
Minimum for Adequately Capitalized Institutions, Ratio	[1]	0.0450	0.0450
Tier 1 capital to average assets [Abstract]
Tier 1 capital	[1]	$ 406,645	$ 379,395
Actual, Ratio	[1]	0.0879	0.0915
Minimum for Adequately Capitalized Institutions, Amount	[1]	$ 185,034	$ 165,825
Minimum for Adequately Capitalized Institutions, Ratio	[1]	0.0400	0.0400
Components of regulatory capital [Abstract]
Total shareholders' equity		$ 398,484	$ 389,522
Add (deduct) [Abstract]
Accumulated other comprehensive loss for regulatory purposes		(6,298)	(15,821)
Goodwill and other intangibles		(31,636)	(32,606)
CECL	[2]	7,727	0
Common equity tier 1 capital	[1]	368,277	341,095
Qualifying trust preferred securities		38,368	38,300
Tier 1 capital	[1]	406,645	379,395
Subordinated debt		40,000	40,000
Allowance for credit losses and allowance for unfunded lending commitments limited to 1.25% of total risk-weighted assets	[3]	41,850	35,677
Total risk-based capital	[1]	488,495	455,072
Independent Bank [Member]
Total capital to risk-weighted assets [Abstract]
Total risk-based capital	[1]	$ 438,352	$ 401,005
Actual, Ratio	[1]	0.1305	0.1406
Minimum for Adequately Capitalized Institutions, Amount	[1]	$ 268,808	$ 228,111
Minimum for Adequately Capitalized Institutions, Ratio	[1]	0.0800	0.0800
Minimum for Well-Capitalized Institutions, Amount	[1]	$ 336,011	$ 285,139
Minimum for Well-Capitalized Institutions, Ratio	[1]	0.1000	0.1000
Tier 1 capital to risk-weighted assets [Abstract]
Actual, Amount	[1]	$ 396,351	$ 365,343
Actual, Ratio	[1]	0.1180	0.1281
Minimum for Adequately Capitalized Institutions, Amount	[1]	$ 201,606	$ 171,083
Minimum for Adequately Capitalized Institutions, Ratio	[1]	0.0600	0.0600
Minimum for Well-Capitalized Institutions, Amount	[1]	$ 268,808	$ 228,111
Minimum for Well-Capitalized Institutions, Ratio	[1]	0.0800	0.0800
Common equity tier 1 capital to risk-weighted assets [Abstract]
Actual, Amount	[1]	$ 396,351	$ 365,343
Actual, Ratio	[1]	0.1180	0.1281
Minimum for Adequately Capitalized Institutions, Amount	[1]	$ 151,205	$ 128,312
Minimum for Adequately Capitalized Institutions, Ratio	[1]	0.0450	0.0450
Minimum for Well-Capitalized Institutions, Amount	[1]	$ 218,407	$ 185,340
Minimum for Well-Capitalized Institutions, Ratio	[1]	0.0650	0.0650
Tier 1 capital to average assets [Abstract]
Tier 1 capital	[1]	$ 396,351	$ 365,343
Actual, Ratio	[1]	0.0857	0.0881
Minimum for Adequately Capitalized Institutions, Amount	[1]	$ 185,077	$ 165,828
Minimum for Adequately Capitalized Institutions, Ratio	[1]	0.0400	0.0400
Minimum for Well-Capitalized Institutions, Amount	[1]	$ 231,347	$ 207,285
Minimum for Well-Capitalized Institutions, Ratio	[1]	0.0500	0.0500
Components of regulatory capital [Abstract]
Total shareholders' equity		$ 426,558	$ 413,770
Add (deduct) [Abstract]
Accumulated other comprehensive loss for regulatory purposes		(6,298)	(15,821)
Goodwill and other intangibles		(31,636)	(32,606)
CECL	[2]	7,727	0
Common equity tier 1 capital	[1]	396,351	365,343
Qualifying trust preferred securities		0	0
Tier 1 capital	[1]	396,351	365,343
Subordinated debt		0	0
Allowance for credit losses and allowance for unfunded lending commitments limited to 1.25% of total risk-weighted assets	[3]	42,001	35,662
Total risk-based capital	[1]	$ 438,352	$ 401,005
[1]	These ratios do not reflect a capital conservation buffer of 2.50% at December 31, 2021 and 2020.
[2]	We elected the three year CECL transition method for regulatory purposes.
[3]	Beginning January 1, 2021, calculation of allowances are based on CECL methodology. Prior to January 1, 2021, calculation was based on the probable incurred loss methodology.

FAIR VALUE DISCLOSURES, Signifi

FAIR VALUE DISCLOSURES, Significant Assumptions (Details) - USD ($) $ in Thousands		Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Assets [Abstract]
Securities available for sale		$ 1,412,830	$ 1,072,159
Loans held for sale, carried at fair value		55,470	92,434	$ 69,800
U.S. Agency [Member]
Assets [Abstract]
Securities available for sale		34,674	10,748
U.S. Agency Residential Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		307,985	344,582
U.S. Agency Commercial Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		22,926	7,195
Private Label Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		102,615	42,829
Other Asset Backed [Member]
Assets [Abstract]
Securities available for sale		216,170	254,181
Obligations of States and Political Subdivisions [Member]
Assets [Abstract]
Securities available for sale		576,076	324,293
Corporate [Member]
Assets [Abstract]
Securities available for sale		149,959	86,017
Trust Preferred [Member]
Assets [Abstract]
Securities available for sale		1,919	1,798
Foreign Government [Member]
Assets [Abstract]
Securities available for sale		506	516
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets [Abstract]
Securities available for sale		0	0
Derivatives		0	0
Liabilities [Abstract]
Derivatives		0	0
Significant Other Observable Inputs (Level 2) [Member]
Assets [Abstract]
Securities available for sale		1,412,830	1,072,159
Derivatives		12,283	16,782
Liabilities [Abstract]
Derivatives		5,961	11,754
Significant Unobservable Inputs (Level 3) [Member]
Assets [Abstract]
Securities available for sale		0	0
Derivatives		0	0
Liabilities [Abstract]
Derivatives		0	0
Recurring Basis [Member]
Assets [Abstract]
Loans held for sale, carried at fair value		55,470	92,434
Capitalized mortgage loan servicing rights		26,232	16,904
Derivatives	[1]	12,283	16,782
Liabilities [Abstract]
Derivatives	[2]	5,961	11,754
Recurring Basis [Member] | U.S. Agency [Member]
Assets [Abstract]
Securities available for sale		34,674	10,748
Recurring Basis [Member] | U.S. Agency Residential Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		307,985	344,582
Recurring Basis [Member] | U.S. Agency Commercial Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		22,926	7,195
Recurring Basis [Member] | Private Label Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		102,615	42,829
Recurring Basis [Member] | Other Asset Backed [Member]
Assets [Abstract]
Securities available for sale		216,170	254,181
Recurring Basis [Member] | Obligations of States and Political Subdivisions [Member]
Assets [Abstract]
Securities available for sale		576,076	324,293
Recurring Basis [Member] | Corporate [Member]
Assets [Abstract]
Securities available for sale		149,959	86,017
Recurring Basis [Member] | Trust Preferred [Member]
Assets [Abstract]
Securities available for sale		1,919	1,798
Recurring Basis [Member] | Foreign Government [Member]
Assets [Abstract]
Securities available for sale		506	516
Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets [Abstract]
Loans held for sale, carried at fair value		0	0
Capitalized mortgage loan servicing rights		0	0
Derivatives	[1]	0	0
Liabilities [Abstract]
Derivatives	[2]	0	0
Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | U.S. Agency [Member]
Assets [Abstract]
Securities available for sale		0	0
Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | U.S. Agency Residential Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		0	0
Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | U.S. Agency Commercial Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		0	0
Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Private Label Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		0	0
Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Other Asset Backed [Member]
Assets [Abstract]
Securities available for sale		0	0
Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Obligations of States and Political Subdivisions [Member]
Assets [Abstract]
Securities available for sale		0	0
Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Corporate [Member]
Assets [Abstract]
Securities available for sale		0	0
Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Trust Preferred [Member]
Assets [Abstract]
Securities available for sale		0	0
Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Foreign Government [Member]
Assets [Abstract]
Securities available for sale		0	0
Recurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member]
Assets [Abstract]
Loans held for sale, carried at fair value		55,470	92,434
Capitalized mortgage loan servicing rights		0	0
Derivatives	[1]	12,283	16,782
Liabilities [Abstract]
Derivatives	[2]	5,961	11,754
Recurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | U.S. Agency [Member]
Assets [Abstract]
Securities available for sale		34,674	10,748
Recurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | U.S. Agency Residential Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		307,985	344,582
Recurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | U.S. Agency Commercial Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		22,926	7,195
Recurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Private Label Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		102,615	42,829
Recurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Other Asset Backed [Member]
Assets [Abstract]
Securities available for sale		216,170	254,181
Recurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Obligations of States and Political Subdivisions [Member]
Assets [Abstract]
Securities available for sale		576,076	324,293
Recurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Corporate [Member]
Assets [Abstract]
Securities available for sale		149,959	86,017
Recurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Trust Preferred [Member]
Assets [Abstract]
Securities available for sale		1,919	1,798
Recurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Foreign Government [Member]
Assets [Abstract]
Securities available for sale		506	516
Recurring Basis [Member] | Significant Unobservable Inputs (Level 3) [Member]
Assets [Abstract]
Loans held for sale, carried at fair value		0	0
Capitalized mortgage loan servicing rights		26,232	16,904
Derivatives	[1]	0	0
Liabilities [Abstract]
Derivatives	[2]	0	0
Recurring Basis [Member] | Significant Unobservable Inputs (Level 3) [Member] | U.S. Agency [Member]
Assets [Abstract]
Securities available for sale		0	0
Recurring Basis [Member] | Significant Unobservable Inputs (Level 3) [Member] | U.S. Agency Residential Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		0	0
Recurring Basis [Member] | Significant Unobservable Inputs (Level 3) [Member] | U.S. Agency Commercial Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		0	0
Recurring Basis [Member] | Significant Unobservable Inputs (Level 3) [Member] | Private Label Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		0	0
Recurring Basis [Member] | Significant Unobservable Inputs (Level 3) [Member] | Other Asset Backed [Member]
Assets [Abstract]
Securities available for sale		0	0
Recurring Basis [Member] | Significant Unobservable Inputs (Level 3) [Member] | Obligations of States and Political Subdivisions [Member]
Assets [Abstract]
Securities available for sale		0	0
Recurring Basis [Member] | Significant Unobservable Inputs (Level 3) [Member] | Corporate [Member]
Assets [Abstract]
Securities available for sale		0	0
Recurring Basis [Member] | Significant Unobservable Inputs (Level 3) [Member] | Trust Preferred [Member]
Assets [Abstract]
Securities available for sale		0	0
Recurring Basis [Member] | Significant Unobservable Inputs (Level 3) [Member] | Foreign Government [Member]
Assets [Abstract]
Securities available for sale		0	0
Nonrecurring Basis [Member] | Collateral Dependent Loans [Member] | Commercial [Member] | Commercial and Industrial [Member]
Impaired loans [Abstract]
Loans receivable	[3]	274
Nonrecurring Basis [Member] | Collateral Dependent Loans [Member] | Commercial [Member] | Commercial Real Estate [Member]
Impaired loans [Abstract]
Loans receivable	[3]	65
Nonrecurring Basis [Member] | Collateral Dependent Loans [Member] | Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member]
Impaired loans [Abstract]
Loans receivable	[3]	516
Nonrecurring Basis [Member] | Collateral Dependent Loans [Member] | Mortgage [Member] | 1-4 Family Non-owner Occupied [Member]
Impaired loans [Abstract]
Loans receivable	[3]	130
Nonrecurring Basis [Member] | Collateral Dependent Loans [Member] | Mortgage [Member] | 1-4 Family - 2nd Lien [Member]
Impaired loans [Abstract]
Loans receivable	[3]	121
Nonrecurring Basis [Member] | Collateral Dependent Loans [Member] | Mortgage [Member] | Resort Lending [Member]
Impaired loans [Abstract]
Loans receivable	[3]	77
Nonrecurring Basis [Member] | Collateral Dependent Loans [Member] | Installment [Member] | Boat Lending [Member]
Impaired loans [Abstract]
Loans receivable	[3]	51
Nonrecurring Basis [Member] | Collateral Dependent Loans [Member] | Installment [Member] | Recreational Vehicle Lending [Member]
Impaired loans [Abstract]
Loans receivable	[3]	77
Nonrecurring Basis [Member] | Collateral Dependent Loans [Member] | Installment [Member] | Other [Member]
Impaired loans [Abstract]
Loans receivable	[3]	45
Nonrecurring Basis [Member] | Impaired Loans [Member] | Commercial [Member] | Commercial and Industrial [Member]
Impaired loans [Abstract]
Loans receivable	[4]		1,468
Nonrecurring Basis [Member] | Impaired Loans [Member] | Commercial [Member] | Commercial Real Estate [Member]
Impaired loans [Abstract]
Loans receivable	[4]		6,586
Nonrecurring Basis [Member] | Impaired Loans [Member] | Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member]
Impaired loans [Abstract]
Loans receivable	[4]		0
Nonrecurring Basis [Member] | Impaired Loans [Member] | Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member]
Impaired loans [Abstract]
Loans receivable	[4]		321
Nonrecurring Basis [Member] | Impaired Loans [Member] | Mortgage [Member] | 1-4 Family Non-owner Occupied [Member]
Impaired loans [Abstract]
Loans receivable	[4]		155
Nonrecurring Basis [Member] | Impaired Loans [Member] | Mortgage [Member] | 1-4 Family - 2nd Lien [Member]
Impaired loans [Abstract]
Loans receivable	[4]		324
Nonrecurring Basis [Member] | Impaired Loans [Member] | Mortgage [Member] | Resort Lending [Member]
Impaired loans [Abstract]
Loans receivable	[4]		61
Nonrecurring Basis [Member] | Impaired Loans [Member] | Installment [Member] | Boat Lending [Member]
Impaired loans [Abstract]
Loans receivable	[4]		4
Nonrecurring Basis [Member] | Impaired Loans [Member] | Installment [Member] | Recreational Vehicle Lending [Member]
Impaired loans [Abstract]
Loans receivable	[4]		31
Nonrecurring Basis [Member] | Impaired Loans [Member] | Installment [Member] | Other [Member]
Impaired loans [Abstract]
Loans receivable	[4]		124
Nonrecurring Basis [Member] | Other Real Estate [Member] | Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member]
Impaired loans [Abstract]
Loans receivable	[5]		102
Nonrecurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Collateral Dependent Loans [Member] | Commercial [Member] | Commercial and Industrial [Member]
Impaired loans [Abstract]
Loans receivable	[3]	0
Nonrecurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Collateral Dependent Loans [Member] | Commercial [Member] | Commercial Real Estate [Member]
Impaired loans [Abstract]
Loans receivable	[3]	0
Nonrecurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Collateral Dependent Loans [Member] | Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member]
Impaired loans [Abstract]
Loans receivable	[3]	0
Nonrecurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Collateral Dependent Loans [Member] | Mortgage [Member] | 1-4 Family Non-owner Occupied [Member]
Impaired loans [Abstract]
Loans receivable	[3]	0
Nonrecurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Collateral Dependent Loans [Member] | Mortgage [Member] | 1-4 Family - 2nd Lien [Member]
Impaired loans [Abstract]
Loans receivable	[3]	0
Nonrecurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Collateral Dependent Loans [Member] | Mortgage [Member] | Resort Lending [Member]
Impaired loans [Abstract]
Loans receivable	[3]	0
Nonrecurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Collateral Dependent Loans [Member] | Installment [Member] | Boat Lending [Member]
Impaired loans [Abstract]
Loans receivable	[3]	0
Nonrecurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Collateral Dependent Loans [Member] | Installment [Member] | Recreational Vehicle Lending [Member]
Impaired loans [Abstract]
Loans receivable	[3]	0
Nonrecurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Collateral Dependent Loans [Member] | Installment [Member] | Other [Member]
Impaired loans [Abstract]
Loans receivable	[3]	0
Nonrecurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Impaired Loans [Member] | Commercial [Member] | Commercial and Industrial [Member]
Impaired loans [Abstract]
Loans receivable	[4]		0
Nonrecurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Impaired Loans [Member] | Commercial [Member] | Commercial Real Estate [Member]
Impaired loans [Abstract]
Loans receivable	[4]		0
Nonrecurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Impaired Loans [Member] | Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member]
Impaired loans [Abstract]
Loans receivable	[4]		0
Nonrecurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Impaired Loans [Member] | Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member]
Impaired loans [Abstract]
Loans receivable	[4]		0
Nonrecurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Impaired Loans [Member] | Mortgage [Member] | 1-4 Family Non-owner Occupied [Member]
Impaired loans [Abstract]
Loans receivable	[4]		0
Nonrecurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Impaired Loans [Member] | Mortgage [Member] | 1-4 Family - 2nd Lien [Member]
Impaired loans [Abstract]
Loans receivable	[4]		0
Nonrecurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Impaired Loans [Member] | Mortgage [Member] | Resort Lending [Member]
Impaired loans [Abstract]
Loans receivable	[4]		0
Nonrecurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Impaired Loans [Member] | Installment [Member] | Boat Lending [Member]
Impaired loans [Abstract]
Loans receivable	[4]		0
Nonrecurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Impaired Loans [Member] | Installment [Member] | Recreational Vehicle Lending [Member]
Impaired loans [Abstract]
Loans receivable	[4]		0
Nonrecurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Impaired Loans [Member] | Installment [Member] | Other [Member]
Impaired loans [Abstract]
Loans receivable	[4]		0
Nonrecurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Other Real Estate [Member] | Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member]
Impaired loans [Abstract]
Loans receivable	[5]		0
Nonrecurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Collateral Dependent Loans [Member] | Commercial [Member] | Commercial and Industrial [Member]
Impaired loans [Abstract]
Loans receivable	[3]	0
Nonrecurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Collateral Dependent Loans [Member] | Commercial [Member] | Commercial Real Estate [Member]
Impaired loans [Abstract]
Loans receivable	[3]	0
Nonrecurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Collateral Dependent Loans [Member] | Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member]
Impaired loans [Abstract]
Loans receivable	[3]	0
Nonrecurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Collateral Dependent Loans [Member] | Mortgage [Member] | 1-4 Family Non-owner Occupied [Member]
Impaired loans [Abstract]
Loans receivable	[3]	0
Nonrecurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Collateral Dependent Loans [Member] | Mortgage [Member] | 1-4 Family - 2nd Lien [Member]
Impaired loans [Abstract]
Loans receivable	[3]	0
Nonrecurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Collateral Dependent Loans [Member] | Mortgage [Member] | Resort Lending [Member]
Impaired loans [Abstract]
Loans receivable	[3]	0
Nonrecurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Collateral Dependent Loans [Member] | Installment [Member] | Boat Lending [Member]
Impaired loans [Abstract]
Loans receivable	[3]	0
Nonrecurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Collateral Dependent Loans [Member] | Installment [Member] | Recreational Vehicle Lending [Member]
Impaired loans [Abstract]
Loans receivable	[3]	0
Nonrecurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Collateral Dependent Loans [Member] | Installment [Member] | Other [Member]
Impaired loans [Abstract]
Loans receivable	[3]	0
Nonrecurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Impaired Loans [Member] | Commercial [Member] | Commercial and Industrial [Member]
Impaired loans [Abstract]
Loans receivable	[4]		0
Nonrecurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Impaired Loans [Member] | Commercial [Member] | Commercial Real Estate [Member]
Impaired loans [Abstract]
Loans receivable	[4]		0
Nonrecurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Impaired Loans [Member] | Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member]
Impaired loans [Abstract]
Loans receivable	[4]		0
Nonrecurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Impaired Loans [Member] | Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member]
Impaired loans [Abstract]
Loans receivable	[4]		0
Nonrecurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Impaired Loans [Member] | Mortgage [Member] | 1-4 Family Non-owner Occupied [Member]
Impaired loans [Abstract]
Loans receivable	[4]		0
Nonrecurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Impaired Loans [Member] | Mortgage [Member] | 1-4 Family - 2nd Lien [Member]
Impaired loans [Abstract]
Loans receivable	[4]		0
Nonrecurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Impaired Loans [Member] | Mortgage [Member] | Resort Lending [Member]
Impaired loans [Abstract]
Loans receivable	[4]		0
Nonrecurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Impaired Loans [Member] | Installment [Member] | Boat Lending [Member]
Impaired loans [Abstract]
Loans receivable	[4]		0
Nonrecurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Impaired Loans [Member] | Installment [Member] | Recreational Vehicle Lending [Member]
Impaired loans [Abstract]
Loans receivable	[4]		0
Nonrecurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Impaired Loans [Member] | Installment [Member] | Other [Member]
Impaired loans [Abstract]
Loans receivable	[4]		0
Nonrecurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Other Real Estate [Member] | Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member]
Impaired loans [Abstract]
Loans receivable	[5]		0
Nonrecurring Basis [Member] | Significant Unobservable Inputs (Level 3) [Member] | Collateral Dependent Loans [Member] | Commercial [Member] | Commercial and Industrial [Member]
Impaired loans [Abstract]
Loans receivable	[3]	274
Nonrecurring Basis [Member] | Significant Unobservable Inputs (Level 3) [Member] | Collateral Dependent Loans [Member] | Commercial [Member] | Commercial Real Estate [Member]
Impaired loans [Abstract]
Loans receivable	[3]	65
Nonrecurring Basis [Member] | Significant Unobservable Inputs (Level 3) [Member] | Collateral Dependent Loans [Member] | Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member]
Impaired loans [Abstract]
Loans receivable	[3]	516
Nonrecurring Basis [Member] | Significant Unobservable Inputs (Level 3) [Member] | Collateral Dependent Loans [Member] | Mortgage [Member] | 1-4 Family Non-owner Occupied [Member]
Impaired loans [Abstract]
Loans receivable	[3]	130
Nonrecurring Basis [Member] | Significant Unobservable Inputs (Level 3) [Member] | Collateral Dependent Loans [Member] | Mortgage [Member] | 1-4 Family - 2nd Lien [Member]
Impaired loans [Abstract]
Loans receivable	[3]	121
Nonrecurring Basis [Member] | Significant Unobservable Inputs (Level 3) [Member] | Collateral Dependent Loans [Member] | Mortgage [Member] | Resort Lending [Member]
Impaired loans [Abstract]
Loans receivable	[3]	77
Nonrecurring Basis [Member] | Significant Unobservable Inputs (Level 3) [Member] | Collateral Dependent Loans [Member] | Installment [Member] | Boat Lending [Member]
Impaired loans [Abstract]
Loans receivable	[3]	51
Nonrecurring Basis [Member] | Significant Unobservable Inputs (Level 3) [Member] | Collateral Dependent Loans [Member] | Installment [Member] | Recreational Vehicle Lending [Member]
Impaired loans [Abstract]
Loans receivable	[3]	77
Nonrecurring Basis [Member] | Significant Unobservable Inputs (Level 3) [Member] | Collateral Dependent Loans [Member] | Installment [Member] | Other [Member]
Impaired loans [Abstract]
Loans receivable	[3]	$ 45
Nonrecurring Basis [Member] | Significant Unobservable Inputs (Level 3) [Member] | Impaired Loans [Member] | Commercial [Member] | Commercial and Industrial [Member]
Impaired loans [Abstract]
Loans receivable	[4]		1,468
Nonrecurring Basis [Member] | Significant Unobservable Inputs (Level 3) [Member] | Impaired Loans [Member] | Commercial [Member] | Commercial Real Estate [Member]
Impaired loans [Abstract]
Loans receivable	[4]		6,586
Nonrecurring Basis [Member] | Significant Unobservable Inputs (Level 3) [Member] | Impaired Loans [Member] | Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member]
Impaired loans [Abstract]
Loans receivable	[4]		0
Nonrecurring Basis [Member] | Significant Unobservable Inputs (Level 3) [Member] | Impaired Loans [Member] | Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member]
Impaired loans [Abstract]
Loans receivable	[4]		321
Nonrecurring Basis [Member] | Significant Unobservable Inputs (Level 3) [Member] | Impaired Loans [Member] | Mortgage [Member] | 1-4 Family Non-owner Occupied [Member]
Impaired loans [Abstract]
Loans receivable	[4]		155
Nonrecurring Basis [Member] | Significant Unobservable Inputs (Level 3) [Member] | Impaired Loans [Member] | Mortgage [Member] | 1-4 Family - 2nd Lien [Member]
Impaired loans [Abstract]
Loans receivable	[4]		324
Nonrecurring Basis [Member] | Significant Unobservable Inputs (Level 3) [Member] | Impaired Loans [Member] | Mortgage [Member] | Resort Lending [Member]
Impaired loans [Abstract]
Loans receivable	[4]		61
Nonrecurring Basis [Member] | Significant Unobservable Inputs (Level 3) [Member] | Impaired Loans [Member] | Installment [Member] | Boat Lending [Member]
Impaired loans [Abstract]
Loans receivable	[4]		4
Nonrecurring Basis [Member] | Significant Unobservable Inputs (Level 3) [Member] | Impaired Loans [Member] | Installment [Member] | Recreational Vehicle Lending [Member]
Impaired loans [Abstract]
Loans receivable	[4]		31
Nonrecurring Basis [Member] | Significant Unobservable Inputs (Level 3) [Member] | Impaired Loans [Member] | Installment [Member] | Other [Member]
Impaired loans [Abstract]
Loans receivable	[4]		124
Nonrecurring Basis [Member] | Significant Unobservable Inputs (Level 3) [Member] | Other Real Estate [Member] | Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member]
Impaired loans [Abstract]
Loans receivable	[5]		$ 102
[1]	Included in accrued income and other assets in the Consolidated Statements of Financial Condition.
[2]	Included in accrued expenses and other liabilities in the Consolidated Statements of Financial Condition.
[3]	Only includes individually evaluated loans with specific loss allocations based on collateral value.
[4]	Only includes impaired loans with specific loss allocations based on collateral value.
[5]	Only includes other real estate with subsequent write downs to fair value.

FAIR VALUE DISCLOSURES, Changes

FAIR VALUE DISCLOSURES, Changes in Fair Value for Financial Assets (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Changes in fair value for financial assets [Abstract]
Equity securities at fair value			$ 167
Loans held for sale	$ (2,805)	$ 1,962	637
Capitalized mortgage loan servicing rights, net gains (losses)	(2,108)	(16,224)	(9,532)
Impairment charges recognized [Abstract]
Collateral dependent loans, carrying amount	1,400	9,100
Collateral dependent loans, valuation allowance	600	1,800
Additional provision for credit losses on collateral dependent loans	300	700	1,300
Other real estate, carrying amount	0	100
Other real estate, valuation allowance	31	90	92	$ 144
Other real estate, additional charge	0	30	30
Securities [Member]
Changes in fair value for financial assets [Abstract]
Equity securities at fair value			167
Mortgage Loans [Member]
Changes in fair value for financial assets [Abstract]
Loans held for sale	(2,805)	1,962	637
Mortgage Loan Servicing, Net [Member]
Changes in fair value for financial assets [Abstract]
Capitalized mortgage loan servicing rights, net gains (losses)	$ (2,108)	$ (16,224)	$ (9,532)

FAIR VALUE DISCLOSURES, Reconci

FAIR VALUE DISCLOSURES, Reconciliation for all Assets and Liabilities Measured at Fair Value on a Recurring Basis Using Significant Unobservable Inputs (Level 3) (Details) - Capitalized Mortgage Loan Servicing Rights [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Reconciliation for all assets and liabilities measured at fair value on a recurring basis using significant unobservable inputs (Level 3) [Roll Forward]
Beginning balance	$ 16,904	$ 19,171	$ 21,400
Total losses realized and unrealized [Abstract]
Included in results of operations	(2,108)	(16,224)	(9,532)
Included in other comprehensive income (loss)	0	0	0
Purchases, issuances, settlements, maturities and calls	11,436	13,957	7,303
Transfers in and/or out of Level 3	0	0	0
Ending balance	26,232	16,904	19,171
Amount of total losses for the period included in earnings attributable to the change in unrealized losses relating to assets and liabilities still held at December 31	$ (2,108)	$ (16,224)	$ (9,532)

FAIR VALUE DISCLOSURES, Quantit

FAIR VALUE DISCLOSURES, Quantitative Information About Level 3 (Details)		Dec. 31, 2021USD ($)	Dec. 31, 2020USD ($)
Impaired Loans Installment [Member]
Asset Fair Value [Abstract]
Collateral dependent loans fair value		$ 170,000	$ 160,000
Recurring Basis [Member] | Capitalized Mortgage Loan Servicing Rights [Member] | Significant Unobservable Inputs (Level 3) [Member]
Asset Fair Value [Abstract]
Servicing asset fair value		$ 26,232,000	$ 16,904,000
Recurring Basis [Member] | Capitalized Mortgage Loan Servicing Rights [Member] | Present Value of Net Servicing Revenue [Member] | Significant Unobservable Inputs (Level 3) [Member] | Float Rate [Member]
Ranges and Weighted Average [Abstract]
Servicing asset measurement input		0.0136	0.0043
Recurring Basis [Member] | Capitalized Mortgage Loan Servicing Rights [Member] | Minimum [Member] | Significant Unobservable Inputs (Level 3) [Member] | Cost to Service [Member]
Ranges and Weighted Average [Abstract]
Servicing asset measurement input		67	69
Recurring Basis [Member] | Capitalized Mortgage Loan Servicing Rights [Member] | Minimum [Member] | Significant Unobservable Inputs (Level 3) [Member] | Ancillary Income [Member]
Ranges and Weighted Average [Abstract]
Servicing asset measurement input		20	20
Recurring Basis [Member] | Capitalized Mortgage Loan Servicing Rights [Member] | Minimum [Member] | Present Value of Net Servicing Revenue [Member] | Significant Unobservable Inputs (Level 3) [Member] | Discount Rate [Member]
Ranges and Weighted Average [Abstract]
Servicing asset measurement input		0.1000	0.1000
Recurring Basis [Member] | Capitalized Mortgage Loan Servicing Rights [Member] | Minimum [Member] | Present Value of Net Servicing Revenue [Member] | Significant Unobservable Inputs (Level 3) [Member] | Prepayment Rate [Member]
Ranges and Weighted Average [Abstract]
Servicing asset measurement input		0.0702	0.0792
Recurring Basis [Member] | Capitalized Mortgage Loan Servicing Rights [Member] | Maximum [Member] | Significant Unobservable Inputs (Level 3) [Member] | Cost to Service [Member]
Ranges and Weighted Average [Abstract]
Servicing asset measurement input		281	289
Recurring Basis [Member] | Capitalized Mortgage Loan Servicing Rights [Member] | Maximum [Member] | Significant Unobservable Inputs (Level 3) [Member] | Ancillary Income [Member]
Ranges and Weighted Average [Abstract]
Servicing asset measurement input		30	37
Recurring Basis [Member] | Capitalized Mortgage Loan Servicing Rights [Member] | Maximum [Member] | Present Value of Net Servicing Revenue [Member] | Significant Unobservable Inputs (Level 3) [Member] | Discount Rate [Member]
Ranges and Weighted Average [Abstract]
Servicing asset measurement input		0.1300	0.1300
Recurring Basis [Member] | Capitalized Mortgage Loan Servicing Rights [Member] | Maximum [Member] | Present Value of Net Servicing Revenue [Member] | Significant Unobservable Inputs (Level 3) [Member] | Prepayment Rate [Member]
Ranges and Weighted Average [Abstract]
Servicing asset measurement input		0.4421	0.6470
Recurring Basis [Member] | Capitalized Mortgage Loan Servicing Rights [Member] | Weighted Average [Member] | Significant Unobservable Inputs (Level 3) [Member] | Cost to Service [Member]
Ranges and Weighted Average [Abstract]
Servicing asset measurement input		78	79
Recurring Basis [Member] | Capitalized Mortgage Loan Servicing Rights [Member] | Weighted Average [Member] | Significant Unobservable Inputs (Level 3) [Member] | Ancillary Income [Member]
Ranges and Weighted Average [Abstract]
Servicing asset measurement input		21	22
Recurring Basis [Member] | Capitalized Mortgage Loan Servicing Rights [Member] | Weighted Average [Member] | Present Value of Net Servicing Revenue [Member] | Significant Unobservable Inputs (Level 3) [Member] | Discount Rate [Member]
Ranges and Weighted Average [Abstract]
Servicing asset measurement input		0.1007	0.1009
Recurring Basis [Member] | Capitalized Mortgage Loan Servicing Rights [Member] | Weighted Average [Member] | Present Value of Net Servicing Revenue [Member] | Significant Unobservable Inputs (Level 3) [Member] | Float Rate [Member]
Ranges and Weighted Average [Abstract]
Servicing asset measurement input		0.0136	0.0043
Recurring Basis [Member] | Capitalized Mortgage Loan Servicing Rights [Member] | Weighted Average [Member] | Present Value of Net Servicing Revenue [Member] | Significant Unobservable Inputs (Level 3) [Member] | Prepayment Rate [Member]
Ranges and Weighted Average [Abstract]
Servicing asset measurement input		0.1392	0.2085
Nonrecurring Basis [Member] | Collateral Dependent Loans Commercial [Member] | Significant Unobservable Inputs (Level 3) [Member]
Asset Fair Value [Abstract]
Collateral dependent loans fair value		$ 339,000
Nonrecurring Basis [Member] | Collateral Dependent Loans Commercial [Member] | Minimum [Member] | Sales Comparison Approach [Member] | Significant Unobservable Inputs (Level 3) [Member] | Adjustment for Differences Between Comparable Sales [Member]
Ranges and Weighted Average [Abstract]
Impaired loans measurement input		(0.125)
Nonrecurring Basis [Member] | Collateral Dependent Loans Commercial [Member] | Maximum [Member] | Sales Comparison Approach [Member] | Significant Unobservable Inputs (Level 3) [Member] | Adjustment for Differences Between Comparable Sales [Member]
Ranges and Weighted Average [Abstract]
Impaired loans measurement input		0.120
Nonrecurring Basis [Member] | Collateral Dependent Loans Commercial [Member] | Weighted Average [Member] | Sales Comparison Approach [Member] | Significant Unobservable Inputs (Level 3) [Member] | Adjustment for Differences Between Comparable Sales [Member]
Ranges and Weighted Average [Abstract]
Impaired loans measurement input		0.015
Nonrecurring Basis [Member] | Collateral Dependent Loans Mortgage and Installment [Member] | Significant Unobservable Inputs (Level 3) [Member]
Asset Fair Value [Abstract]
Collateral dependent loans fair value	[1]	$ 1,017,000
Nonrecurring Basis [Member] | Collateral Dependent Loans Mortgage and Installment [Member] | Minimum [Member] | Sales Comparison Approach [Member] | Significant Unobservable Inputs (Level 3) [Member] | Adjustment for Differences Between Comparable Sales [Member]
Ranges and Weighted Average [Abstract]
Impaired loans measurement input	[1]	(0.301)
Nonrecurring Basis [Member] | Collateral Dependent Loans Mortgage and Installment [Member] | Maximum [Member] | Sales Comparison Approach [Member] | Significant Unobservable Inputs (Level 3) [Member] | Adjustment for Differences Between Comparable Sales [Member]
Ranges and Weighted Average [Abstract]
Impaired loans measurement input	[1]	0.293
Nonrecurring Basis [Member] | Collateral Dependent Loans Mortgage and Installment [Member] | Weighted Average [Member] | Sales Comparison Approach [Member] | Significant Unobservable Inputs (Level 3) [Member] | Adjustment for Differences Between Comparable Sales [Member]
Ranges and Weighted Average [Abstract]
Impaired loans measurement input	[1]	0.002
Nonrecurring Basis [Member] | Impaired Loans Commercial [Member] | Significant Unobservable Inputs (Level 3) [Member]
Asset Fair Value [Abstract]
Impaired loans fair value			$ 8,054,000
Nonrecurring Basis [Member] | Impaired Loans Commercial [Member] | Minimum [Member] | Sales Comparison Approach [Member] | Significant Unobservable Inputs (Level 3) [Member] | Adjustment for Differences Between Comparable Sales [Member]
Ranges and Weighted Average [Abstract]
Impaired loans measurement input			(0.400)
Nonrecurring Basis [Member] | Impaired Loans Commercial [Member] | Maximum [Member] | Sales Comparison Approach [Member] | Significant Unobservable Inputs (Level 3) [Member] | Adjustment for Differences Between Comparable Sales [Member]
Ranges and Weighted Average [Abstract]
Impaired loans measurement input			0.750
Nonrecurring Basis [Member] | Impaired Loans Commercial [Member] | Weighted Average [Member] | Sales Comparison Approach [Member] | Significant Unobservable Inputs (Level 3) [Member] | Adjustment for Differences Between Comparable Sales [Member]
Ranges and Weighted Average [Abstract]
Impaired loans measurement input			0.038
Nonrecurring Basis [Member] | Impaired Loans Mortgage and Installment [Member] | Significant Unobservable Inputs (Level 3) [Member]
Asset Fair Value [Abstract]
Impaired loans fair value	[1]		$ 1,020,000
Nonrecurring Basis [Member] | Impaired Loans Mortgage and Installment [Member] | Minimum [Member] | Sales Comparison Approach [Member] | Significant Unobservable Inputs (Level 3) [Member] | Adjustment for Differences Between Comparable Sales [Member]
Ranges and Weighted Average [Abstract]
Impaired loans measurement input	[1]		(0.733)
Nonrecurring Basis [Member] | Impaired Loans Mortgage and Installment [Member] | Maximum [Member] | Sales Comparison Approach [Member] | Significant Unobservable Inputs (Level 3) [Member] | Adjustment for Differences Between Comparable Sales [Member]
Ranges and Weighted Average [Abstract]
Impaired loans measurement input	[1]		1.046
Nonrecurring Basis [Member] | Impaired Loans Mortgage and Installment [Member] | Weighted Average [Member] | Sales Comparison Approach [Member] | Significant Unobservable Inputs (Level 3) [Member] | Adjustment for Differences Between Comparable Sales [Member]
Ranges and Weighted Average [Abstract]
Impaired loans measurement input	[1]		(0.015)
Nonrecurring Basis [Member] | Other Real Estate Mortgage [Member] | Significant Unobservable Inputs (Level 3) [Member]
Asset Fair Value [Abstract]
Other real estate fair value			$ 102,000
Nonrecurring Basis [Member] | Other Real Estate Mortgage [Member] | Minimum [Member] | Sales Comparison Approach [Member] | Significant Unobservable Inputs (Level 3) [Member] | Adjustment for Differences Between Comparable Sales [Member]
Ranges and Weighted Average [Abstract]
Other real estate measurement input			(0.131)
Nonrecurring Basis [Member] | Other Real Estate Mortgage [Member] | Maximum [Member] | Sales Comparison Approach [Member] | Significant Unobservable Inputs (Level 3) [Member] | Adjustment for Differences Between Comparable Sales [Member]
Ranges and Weighted Average [Abstract]
Other real estate measurement input			0.024
Nonrecurring Basis [Member] | Other Real Estate Mortgage [Member] | Weighted Average [Member] | Sales Comparison Approach [Member] | Significant Unobservable Inputs (Level 3) [Member] | Adjustment for Differences Between Comparable Sales [Member]
Ranges and Weighted Average [Abstract]
Other real estate measurement input			(0.036)
[1]	In addition to the valuation techniques and unobservable inputs discussed above, at December 31, 2021 and 2020 certain collateral dependent installment loans totaling approximately $0.17 million and $0.16 million are secured by collateral other than real estate.  For the majority of these loans, we apply internal discount rates to industry valuation guides.

FAIR VALUE DISCLOSURES, Differe

FAIR VALUE DISCLOSURES, Difference Between Aggregate Fair value and Aggregate Remaining Contractual Principal (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Loans held for sale [Abstract]
Aggregate Fair Value	$ 55,470	$ 92,434	$ 69,800
Difference	1,051	3,856	1,894
Contractual Principal	$ 54,419	$ 88,578	$ 67,906

FAIR VALUES OF FINANCIAL INST_3

FAIR VALUES OF FINANCIAL INSTRUMENTS (Details) - USD ($) $ in Thousands		Dec. 31, 2021	Dec. 31, 2020
Assets [Abstract]
Securities available for sale		$ 1,412,830	$ 1,072,159
Federal Home Loan Bank and Federal Reserve Bank Stock		18,427	18,427
Liabilities [Abstract]
Deposits with stated maturity	[1]	335,792
Other borrowings		30,009	30,012
Subordinated debt		39,357	39,281
Subordinated debentures		39,592	39,524
Reciprocal deposits included in deposits with no stated maturity		562,210	518,400
Reciprocal deposits included in deposits with stated maturity		24,416	37,785
Recorded Book Balance [Member]
Assets [Abstract]
Cash and due from banks		51,069	56,006
Interest bearing deposits		58,404	62,699
Securities available for sale		1,412,830	1,072,159
Federal Home Loan Bank and Federal Reserve Bank Stock		18,427	18,427
Net loans and loans held for sale		2,948,074	2,790,683
Accrued interest receivable		12,865	12,315
Derivative financial instruments		12,283	16,782
Liabilities [Abstract]
Deposits with no stated maturity	[2]	3,781,298	3,198,338
Deposits with stated maturity	[2]	335,792	439,017
Other borrowings		30,009	30,012
Subordinated debt		39,357	39,281
Subordinated debentures		39,592	39,524
Accrued interest payable		497	601
Derivative financial instruments		5,961	11,754
Fair Value [Member]
Assets [Abstract]
Cash and due from banks		51,069	56,006
Interest bearing deposits		58,404	62,699
Securities available for sale		1,412,830	1,072,159
Net loans and loans held for sale		2,931,079	2,794,058
Accrued interest receivable		12,865	12,315
Derivative financial instruments		12,283	16,782
Liabilities [Abstract]
Deposits with no stated maturity		3,781,298	3,198,338
Deposits with stated maturity		336,006	441,457
Other borrowings		30,155	30,844
Subordinated debt		44,999	41,417
Subordinated debentures		33,866	30,265
Accrued interest payable		497	601
Derivative financial instruments		5,961	11,754
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets [Abstract]
Cash and due from banks		51,069	56,006
Interest bearing deposits		58,404	62,699
Securities available for sale		0	0
Net loans and loans held for sale		35,233	0
Accrued interest receivable		1	3
Derivative financial instruments		0	0
Liabilities [Abstract]
Deposits with no stated maturity		3,781,298	3,198,338
Deposits with stated maturity		0	0
Other borrowings		0	0
Subordinated debt		0	0
Subordinated debentures		0	0
Accrued interest payable		67	59
Derivative financial instruments		0	0
Significant Other Observable Inputs (Level 2) [Member]
Assets [Abstract]
Cash and due from banks		0	0
Interest bearing deposits		0	0
Securities available for sale		1,412,830	1,072,159
Net loans and loans held for sale		55,470	92,434
Accrued interest receivable		6,028	3,414
Derivative financial instruments		12,283	16,782
Liabilities [Abstract]
Deposits with no stated maturity		0	0
Deposits with stated maturity		336,006	441,457
Other borrowings		30,155	30,844
Subordinated debt		44,999	41,417
Subordinated debentures		33,866	30,265
Accrued interest payable		430	542
Derivative financial instruments		5,961	11,754
Significant Unobservable Inputs (Level 3) [Member]
Assets [Abstract]
Cash and due from banks		0	0
Interest bearing deposits		0	0
Securities available for sale		0	0
Net loans and loans held for sale		2,840,376	2,701,624
Accrued interest receivable		6,836	8,898
Derivative financial instruments		0	0
Liabilities [Abstract]
Deposits with no stated maturity		0	0
Deposits with stated maturity		0	0
Other borrowings		0	0
Subordinated debt		0	0
Subordinated debentures		0	0
Accrued interest payable		0	0
Derivative financial instruments		$ 0	$ 0
[1]	Includes time deposits, brokered time deposits and reciprocal time deposits
[2]	Deposits with no stated maturity include reciprocal deposits with a recorded book balance of $562.210 million and $518.400 million at December 31, 2021 and 2020, respectively. Deposits with a stated maturity include reciprocal deposits with a recorded book balance of $24.416 million and $37.785 million at December 31, 2021 and 2020, respectively.

ACCUMULATED OTHER COMPREHENSI_3

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS), Summary of Changes (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Changes in AOCIL [Roll Forward]
Balance at beginning of period	$ 389,522	$ 350,169	$ 338,994
Other comprehensive income (loss) before reclassifications	(8,408)	12,015	6,769
Amounts reclassified from AOCIL	(1,115)	1,795	(447)
Other comprehensive income (loss)	(9,523)	13,810	6,322
Balances at end of period	398,484	389,522	350,169
Accumulated Other Comprehensive Income (Loss) [Member]
Changes in AOCIL [Roll Forward]
Balance at beginning of period	10,024	(3,786)	(10,108)
Other comprehensive income (loss)	(9,523)	13,810	6,322
Balances at end of period	501	10,024	(3,786)
Unrealized Gains (Losses) on Securities Available for Sale [Member]
Changes in AOCIL [Roll Forward]
Balance at beginning of period	15,822	3,739	(4,185)
Other comprehensive income (loss) before reclassifications	(8,408)	12,294	8,035
Amounts reclassified from AOCIL	(1,115)	(211)	(111)
Other comprehensive income (loss)	(9,523)	12,083	7,924
Balances at end of period	6,299	15,822	3,739
Disproportionate Tax Effects from Securities Available for Sale [Member]
Changes in AOCIL [Roll Forward]
Balance at beginning of period	(5,798)	(5,798)	(5,798)
Other comprehensive income (loss) before reclassifications	0	0	0
Amounts reclassified from AOCIL	0	0	0
Other comprehensive income (loss)	0	0	0
Balances at end of period	(5,798)	(5,798)	(5,798)
Unrealized Losses on Cash Flow Hedges [Member]
Changes in AOCIL [Roll Forward]
Balance at beginning of period	0	(1,727)	(125)
Other comprehensive income (loss) before reclassifications	0	(279)	(1,266)
Amounts reclassified from AOCIL	0	2,006	(336)
Other comprehensive income (loss)	0	1,727	(1,602)
Balances at end of period	$ 0	$ 0	$ (1,727)

ACCUMULATED OTHER COMPREHENSI_4

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS), Reclassification Out of Each Component (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Reclassifications out of AOCIL [Abstract]
Interest expense	$ 8,315	$ 16,217	$ 26,347
Income tax expense	14,418	13,329	11,325
Total reclassifications for the period, net of tax	62,895	56,152	46,435
Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassifications out of AOCIL [Abstract]
Total reclassifications for the period, net of tax		(1,795)	447
Accumulated Other Comprehensive Income (Loss) [Member]
Reclassifications out of AOCIL [Abstract]
Total reclassifications for the period, net of tax	0	0	0
Unrealized Gains (Losses) on Securities Available for Sale [Member] | Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassifications out of AOCIL [Abstract]
Net gains on securities available for sale	1,411	267	140
Net impairment loss recognized in earnings	0	0	0
Total reclassifications before tax	1,411	267	140
Income tax expense	296	56	29
Total reclassifications for the period, net of tax	$ 1,115	211	111
Unrealized Losses on Cash Flow Hedges [Member] | Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassifications out of AOCIL [Abstract]
Interest expense		2,539	(425)
Income tax expense		533	(89)
Total reclassifications for the period, net of tax		$ 2,006	$ (336)

INDEPENDENT BANK CORPORATION _3

INDEPENDENT BANK CORPORATION (PARENT COMPANY ONLY) FINANCIAL INFORMATION (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
ASSETS [Abstract]
Cash and due from banks	$ 51,069	$ 56,006
Accrued income and other assets	66,140	62,456
Total Assets	4,704,740	4,204,013
LIABILITIES AND SHAREHOLDERS' EQUITY [Abstract]
Subordinated debt	39,357	39,281
Subordinated debentures	39,592	39,524
Accrued expenses and other liabilities	80,208	68,319
Shareholders' equity	398,484	389,522	$ 350,169	$ 338,994
Total Liabilities and Shareholders' Equity	4,704,740	4,204,013
OPERATING INCOME [Abstract]
Interest income	138,080	139,829	148,928
OPERATING EXPENSES [Abstract]
Interest expense	8,315	16,217	26,347
Income tax benefit	14,418	13,329	11,325
Net Income	62,895	56,152	46,435
CONDENSED STATEMENTS OF CASH FLOWS [Abstract]
Net Income	62,895	56,152	46,435
ADJUSTMENTS TO RECONCILE NET INCOME TO NET CASH FROM OPERATING ACTIVITIES [Abstract]
Deferred income tax (benefit) expense	1,912	(2,130)	1,088
Share based compensation	1,947	1,980	1,854
(Increase) decrease in accrued income and other assets	(11,669)	(7,966)	(6,061)
Increase in accrued expenses and other liabilities	17,171	10,239	12,023
Total Adjustments	47,259	2,532	(11,943)
Net Cash From Operating Activities	110,154	58,684	34,492
CASH FLOW FROM (USED IN) INVESTING ACTIVITIES [Abstract]
Maturity of interest bearing deposits - time	0	350	250
Net Cash Used in Investing Activities	(563,064)	(553,908)	(182,154)
CASH FLOW FROM (USED IN) FINANCING ACTIVITIES [Abstract]
Proceeds from issuance of subordinated debt, net of issuance costs	0	39,236	0
Dividends paid	(18,155)	(17,618)	(16,554)
Proceeds from issuance of common stock	61	15	284
Share based compensation withholding obligation	(691)	(755)	(882)
Repurchase of common stock	(17,269)	(14,231)	(26,284)
Net Cash From Financing Activities	443,678	548,625	142,722
Cash and Cash Equivalents at Beginning of Year	118,705
Cash and Cash Equivalents at End of Year	109,473	118,705
Parent Company [Member]
ASSETS [Abstract]
Cash and due from banks	6,093	10,466
Interest bearing deposits - time	40,000	40,000
Investment in subsidiaries	432,949	418,465
Accrued income and other assets	96	805
Total Assets	479,138	469,736
LIABILITIES AND SHAREHOLDERS' EQUITY [Abstract]
Subordinated debt	39,357	39,281
Subordinated debentures	39,592	39,524
Accrued expenses and other liabilities	844	684
Shareholders' equity	399,345	390,247
Total Liabilities and Shareholders' Equity	479,138	469,736
OPERATING INCOME [Abstract]
Dividends from subsidiary	32,000	24,000	29,000
Interest income	55	99	230
Other income	33	42	61
Total Operating Income	32,088	24,141	29,291
OPERATING EXPENSES [Abstract]
Interest expense	3,625	2,893	2,104
Administrative and other expenses	787	733	655
Total Operating Expenses	4,412	3,626	2,759
Income Before Income Tax	27,676	20,515	26,532
Income tax benefit	(1,048)	(937)	(423)
Income Before Equity in Undistributed Net Income of Subsidiaries	28,724	21,452	26,955
Equity in undistributed net income of subsidiaries	34,171	34,700	19,480
Net Income	62,895	56,152	46,435
CONDENSED STATEMENTS OF CASH FLOWS [Abstract]
Net Income	62,895	56,152	46,435
ADJUSTMENTS TO RECONCILE NET INCOME TO NET CASH FROM OPERATING ACTIVITIES [Abstract]
Deferred income tax (benefit) expense	(81)	(34)	1,503
Share based compensation	95	89	65
Accretion of discount on subordinated debt and debentures	144	113	68
(Increase) decrease in accrued income and other assets	788	(307)	891
Increase in accrued expenses and other liabilities	159	109	45
Equity in undistributed net income of subsidiaries	(34,171)	(34,700)	(19,480)
Total Adjustments	(33,066)	(34,730)	(16,908)
Net Cash From Operating Activities	29,829	21,422	29,527
CASH FLOW FROM (USED IN) INVESTING ACTIVITIES [Abstract]
Purchases of interest bearing deposits - time	(160,000)	(85,000)	(20,000)
Maturity of interest bearing deposits - time	160,000	55,000	35,000
Net Cash Used in Investing Activities	0	(30,000)	15,000
CASH FLOW FROM (USED IN) FINANCING ACTIVITIES [Abstract]
Proceeds from issuance of subordinated debt, net of issuance costs	0	39,236	0
Dividends paid	(18,155)	(17,618)	(16,554)
Proceeds from issuance of common stock	1,913	1,907	2,074
Share based compensation withholding obligation	(691)	(755)	(882)
Repurchase of common stock	(17,269)	(14,231)	(26,284)
Net Cash From Financing Activities	(34,202)	8,539	(41,646)
Net Increase (Decrease) in Cash and Cash Equivalents	(4,373)	(39)	2,881
Cash and Cash Equivalents at Beginning of Year	10,466	10,505	7,624
Cash and Cash Equivalents at End of Year	$ 6,093	$ 10,466	$ 10,505

REVENUE FROM CONTRACTS WITH C_3

REVENUE FROM CONTRACTS WITH CUSTOMERS (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2021USD ($)Asset	Dec. 31, 2020USD ($)	Dec. 31, 2019USD ($)
REVENUE FROM CONTRACTS WITH CUSTOMERS [Abstract]
Percentage of revenues excluded from ASC Topic 606	84.60%	88.10%	84.90%
Contract assets	$ 0
Contract liabilities	$ 0
Number of real estate assets sold during the period | Asset	0
Disaggregation of Revenue Sources by Attributes [Abstract]
Revenue from contracts with customers	$ 29,098	$ 24,026	$ 25,953
Bank owned life insurance	567	910	1,111
Other	3,942	2,332	3,723
Total	9,392	7,521	9,282
Service Charges on Deposit Accounts [Member]
Disaggregation of Revenue Sources by Attributes [Abstract]
Revenue from contracts with customers	10,170	8,517	11,208
Overdraft Fees [Member] | Retail [Member]
Disaggregation of Revenue Sources by Attributes [Abstract]
Revenue from contracts with customers	8,431	5,627	7,590
Overdraft Fees [Member] | Business [Member]
Disaggregation of Revenue Sources by Attributes [Abstract]
Revenue from contracts with customers	609	873	1,515
Account Service Charges [Member] | Retail [Member]
Disaggregation of Revenue Sources by Attributes [Abstract]
Revenue from contracts with customers	1,130	2,017	2,103
Other Deposit Related Income [Member]
Disaggregation of Revenue Sources by Attributes [Abstract]
Revenue from contracts with customers	2,280	2,308	2,790
ATM Fees [Member] | Retail [Member]
Disaggregation of Revenue Sources by Attributes [Abstract]
Revenue from contracts with customers	1,109	1,173	1,368
ATM Fees [Member] | Business [Member]
Disaggregation of Revenue Sources by Attributes [Abstract]
Revenue from contracts with customers	24	24	35
Other [Member] | Retail [Member]
Disaggregation of Revenue Sources by Attributes [Abstract]
Revenue from contracts with customers	819	769	965
Other [Member] | Business [Member]
Disaggregation of Revenue Sources by Attributes [Abstract]
Revenue from contracts with customers	328	342	422
Interchange Income [Member]
Disaggregation of Revenue Sources by Attributes [Abstract]
Revenue from contracts with customers	14,045	11,230	10,297
Investment and Insurance Commissions [Member]
Disaggregation of Revenue Sources by Attributes [Abstract]
Revenue from contracts with customers	2,603	1,971	1,658
Asset Management Revenue [Member]
Disaggregation of Revenue Sources by Attributes [Abstract]
Revenue from contracts with customers	1,689	1,283	1,123
Transaction Based Revenue [Member]
Disaggregation of Revenue Sources by Attributes [Abstract]
Revenue from contracts with customers	$ 914	$ 688	$ 535