Capital City Bank (CCBG) 10-Q 30 Apr 21 2021 Q1 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	3 Months Ended
	Mar. 31, 2021	Apr. 30, 2021
Document And Entity Information
Document Type	10-Q
Document Period End Date	Mar. 31, 2021
Document Quarterly Report	true
Document Transition Report	false
Entity File Number	0-13358
Entity Registrant Name	Capital City Bank Group, Inc.
Entity Incorporation State Country Code	FL
Entity Tax Identification Number	59-2273542
Address Line 1	217 North Monroe Street
Name of the City or Town	Tallahassee
Name of the state or province	FL
Code for the postal or zip code	32301
City Area Code	850
Local Phone Number	402-7821
Security 12b Title	Common Stock, Par value $0.01
Trading Symbol	CCBG
Security Exchange Name	NASDAQ
Entity's Reporting Status Current	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		16,851,878
Entity Central Index Key	0000726601
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Document Fiscal Period Focus	Q1
Document Fiscal Year Focus	2021

CONSOLIDATED STATEMENTS OF FINA

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (Unaudited) - USD ($)	Mar. 31, 2021	Dec. 31, 2020
ASSETS
Cash and Due From Banks	$ 73,973,000	$ 67,919,000
Federal Funds Sold and Interest Bearing Deposits	851,910,000	860,630,000
Total Cash and Cash Equivalents	925,883,000	928,549,000
Investment Securities, Available for Sale, at fair value	406,245,000	324,870,000
Investment Securities, Held to Maturity (fair value of $204,158 and $175,175)	199,109,000	169,939,000
Total Investment Securities	605,354,000	494,809,000
Loans held for sale, at fair value	82,081,000	114,039,000
Loans Held for Investment	2,057,727,000	2,006,426,000
Allowance for Credit Losses	(22,026,000)	(23,816,000)
Loans Held for Investment, Net	2,035,701,000	1,982,610,000
Premises and Equipment, Net	86,370,000	86,791,000
Goodwill	89,095,000	89,095,000
Other Real Estate Owned	110,000	808,000
Other assets	105,290,000	101,370,000
Total Assets	3,929,884,000	3,798,071,000
Deposits:
Noninterest Bearing Deposits	1,473,891,000	1,328,809,000
Interest Bearing Deposits	1,884,217,000	1,888,751,000
Total Deposits	3,358,108,000	3,217,560,000
Short-Term Borrowings	55,687,000	79,654,000
Subordinated Notes Payable	52,887,000	52,887,000
Other Long-Term Borrowings	1,829,000	3,057,000
Other liabilities	109,487,000	102,076,000
Total Liabilities	3,577,998,000	3,455,234,000
Temporary Equity	27,460,000	22,000,000
SHAREOWNERS' EQUITY
Preferred Stock, $.01 par value;3,000,000 shares authorized; no shares issued and outstanding	0	0
Common Stock, $.01 par value; 90,000,000 shares authorized; 16,851,878 and 16,790,573 shares issued and outstanding at March 31, 2021 and December 31, 2020, respectively	169,000	168,000
Additional Paid-In Capital	32,804,000	32,283,000
Retained Earnings	335,324,000	332,528,000
Accumulated Other Comprehensive Loss, Net of Tax	(43,871,000)	(44,142,000)
Total Shareowners' Equity	324,426,000	320,837,000
Total Liabilities, Temporary Equity, and Shareowners' Equity	$ 3,929,884,000	$ 3,798,071,000

CONSOLIDATED STATEMENTS OF FI_2

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (Unaudited) (Parenthetical) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Statement of Financial Position [Abstract]
Investment securities, held to maturity, fair value	$ 204,158	$ 175,175
Preferred Stock, par value (in dollar per share)	$ 0.01	$ 0.01
Preferred Stock, shares authorized	3,000,000	3,000,000
Preferred Stock, shares outstanding	0	0
Preferred Stock, shares issued	0	0
Common Stock, par value (in dollar per share)	$ 0.01	$ 0.01
Common Stock, shares authorized	90,000,000	90,000,000
Common Stock, shares issued	16,851,878	16,790,573
Common Stock, shares outstanding	16,851,878	16,790,573

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
INTEREST INCOME
Loans, including Fees	$ 23,350	$ 23,593
Investment Securities:
Taxable Securities	1,863	2,996
Tax Exempt Securities	20	19
Federal Funds Sold and Interest Bearing Deposits	213	757
Total Interest Income	25,446	27,365
INTEREST EXPENSE
Deposits	208	939
Short-Term Borrowings	412	132
Subordinated Notes Payable	307	471
Other Long-Term Borrowings	21	50
Total Interest Expense	948	1,592
NET INTEREST INCOME	24,498	25,773
Provision for Credit Losses	(982)	4,990
Net Interest Income After Provision For Credit Losses	25,480	20,783
NONINTEREST INCOME
Other	1,722	1,555
Total Noninterest Income	29,826	15,478
NONINTEREST EXPENSE
Compensation	26,064	19,736
Occupancy, Net	5,967	4,979
Other Real Estate Owned, Net	(118)	(798)
Other	8,563	7,052
Total Noninterest Expense	40,476	30,969
INCOME BEFORE INCOME TAXES	14,830	5,292
Income Tax Expense	2,787	1,282
NET INCOME	12,043	4,010
Pre-Tax Income Attributable to Noncontrolling Interests	(2,537)	277
NET INCOME ATTRIBUTABLE TO COMMON SHAREOWNERS	$ 9,506	$ 4,287
BASIC NET INCOME PER SHARE (in dollars per shares)	$ 0.56	$ 0.25
DILUTED NET INCOME PER SHARE (in dollars per shares)	$ 0.56	$ 0.25
Average Common Basic Shares Outstanding	16,838	16,808
Average Common Diluted Shares Outstanding	16,862	16,842
Deposit fees [Member]
NONINTEREST INCOME
Revenue, fees and commissions	$ 4,271	$ 5,015
Bank card fees [Member]
NONINTEREST INCOME
Revenue, fees and commissions	3,618	3,051
Wealth Managment fees [Member]
NONINTEREST INCOME
Revenue, fees and commissions	3,090	2,604
Mortgage banking [Member]
NONINTEREST INCOME
Revenue, fees and commissions	$ 17,125	$ 3,253

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Statement of Comprehensive Income [Abstract]
Net Income attributable to common shareowners	$ 9,506	$ 4,287
Other comprehensive income, before tax:
Change in net unrealized gain (loss) on securities available for sale	(1,952)	3,547
Change in net unrealized gain (loss) on effective cash flow derivative	2,125	0
Benefit Plans:
Reclassification adjustment for amortization of prior year service cost	24	0
Current year actuarial gain	166	0
Total Benefit Plans	190	0
Other comprehensive (loss) income, before tax	363	3,547
Deferred tax (benefit) expense related to other comprehensive income	92	899
Other comprehensive (loss) income, net of tax	271	2,648
Total comprehensive income attributable to common shareowners	$ 9,777	$ 6,935

CONSOLIDATED STATEMENTS OF CHAN

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREOWNERS' EQUITY (Unaudited) - USD ($) $ in Thousands		Total	Common Stock [Member]	Additional Paid-In Capital [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive (Loss) Income, Net of Taxes [Member]
Balance at Dec. 31, 2019		$ 327,016	$ 168	$ 32,092	$ 322,937	$ (28,181)
Balance (Adoption of ASC 326 [Member]) at Dec. 31, 2019		(3,095)	$ 0	0	(3,095)	0
Balance (in shares) at Dec. 31, 2019			16,771,544
Net Income		4,287	$ 0	0	4,287	0
Other Comprehensive Income, net of tax		2,648	0	0	0	2,648
Cash Dividends ($0.1500 and $0.1400) per share for March 31, 2021 and 2020 respectively		(2,357)	0	0	(2,357)	0
Repurchase of Common Stock		(708)	$ (1)	(707)	0	0
Repurchase of Common Stock (in shares)			33,074
Stock Based Compensation		291	$ 0	291	0	0
Stock Compensation Plan Transactions, net		425	$ 1	424	0	0
Stock Compensation Plan Transactions, net (in shares)			73,311
Balance at Mar. 31, 2020		328,507	$ 168	32,100	321,772	(25,533)
Balance, Shares at Mar. 31, 2020			16,811,781
Balance at Dec. 31, 2020		$ 320,837	$ 168	32,283	332,528	(44,142)
Balance (in shares) at Dec. 31, 2020		16,790,573	16,790,573
Net Income		$ 9,506	$ 0	0	9,506	0
Reclassification to Temporary Equity	[1]	(4,182)	0	0	(4,182)	0
Other Comprehensive Income, net of tax		271	0	0	0	271
Cash Dividends ($0.1500 and $0.1400) per share for March 31, 2021 and 2020 respectively		(2,528)	0	0	(2,528)	0
Stock Based Compensation		219	0	219	0	0
Stock Compensation Plan Transactions, net		303	$ 1	302	0	0
Stock Compensation Plan Transactions, net (in shares)			61,305
Balance at Mar. 31, 2021		$ 324,426	$ 169	$ 32,804	$ 335,324	$ (43,871)
Balance, Shares at Mar. 31, 2021		16,851,878	16,851,878
[1]	Adjustment to redemption value for

CONSOLIDATED STATEMENTS OF CH_2

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREOWNERS' EQUITY (Parenthetical) - $ / shares	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Statement of Stockholders' Equity [Abstract]
Cash Dividends (in dollars per share)	$ 0.15	$ 0.14

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
CASH FLOWS FROM OPERATING ACTIVITIES
Net Income	$ 9,506	$ 4,287
Adjustments to Reconcile Net Income to Cash Provided by Operating Activities:
Provision for Credit Losses	(982)	4,990
Depreciation	1,942	1,623
Amortization of Premiums, Discounts and Fees, net	2,428	1,643
Originations of Loans Held-for-Sale	(470,248)	(150,840)
Proceeds From Sales of Loans Held for Sale	519,331	80,781
Net Gain From Sales of Loans Held-for-Sale	(17,125)	(3,030)
Net Additions for Capitalized Mortgage Servicing Rights	119	0
Change in Valuation Provision for Mortgage Servicing Rights	(250)	0
Stock Compensation	219	291
Net Tax Benefit From Stock-Based Compensation	(4)	(84)
Deferred Income Taxes	(378)	(511)
Net change in operating leases	(41)	192
Net (Gain) Loss on Sales and Write-Downs of Other Real Estate Owned	(202)	(931)
Net Increase in Other Assets	(1,370)	(20,255)
Net Increase in Other Liabilities	7,935	26,646
Net Cash (Used In) Provided By Operating Activities	50,880	(55,198)
Securities Held to Maturity:
Purchases	(54,382)	(32,250)
Payments, Maturities, and Calls	24,629	19,370
Securities Available for Sale:
Purchases	(133,628)	(26,795)
Payments, Maturities, and Calls	49,349	50,347
Purchases of Loans Held for Investment	(23,686)	(2,756)
Net Increase in Loans Held for Investment	(29,437)	(22,191)
Net Cash Paid For Brand Acquisition	0	(2,405)
Proceeds From Sales of Other Real Estate Owned	1,084	1,155
Purchases of Premises and Equipment	(1,592)	(4,773)
Noncontrolling Interest Contributions	1,259	0
Net Cash Used In Investing Activities	(166,404)	(20,298)
CASH FLOWS FROM FINANCING ACTIVITIES
Net Increase (Decrease) in Deposits	140,548	(99,869)
Net Increase (Decrease) in Short-Term Borrowings	(24,181)	70,018
Repayment of Other Long-Term Borrowings	(1,014)	(524)
Dividends Paid	(2,528)	(2,357)
Payments to Repurchase Common Stock	0	(708)
Issuance of Common Stock Under Purchase Plans	33	125
Net Cash Provided By (Used In) Financing Activities	112,858	(33,315)
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS	(2,666)	(108,811)
Cash and Cash Equivalents at Beginning of Period	928,549	378,423
Cash and Cash Equivalents at End of Period	925,883	269,612
Supplemental Cash Flow Disclosures:
Interest Paid	1,009	1,562
Noncash Investing and Financing Activities:
Loans Transferred to Other Real Estate Owned	$ 184	$ 734

BUSINESS AND BASIS OF PRESENTAT

BUSINESS AND BASIS OF PRESENTATION	3 Months Ended
	Mar. 31, 2021
Business and Basis of Presentation [Abstract]
Business and Basis of Presentation	NOTE 1 – BUSINESS AND BASIS OF PRESENTATION Nature of Operations . related services to individual and corporate clients through Georgia, and Alabama. government agencies and undergoes periodic Basis of Presentation . and its wholly owned subsidiary, have been eliminated. The accompanying unaudited consolidated financial statements principles for interim financial information and with they do not include all of the information and footnotes required statements. presentation have been included. The consolidated statement of financial condition at statements at that date, but does not include all of the for complete financial statements. included in the Company’s Accounting Standards Updates ASU 2020-04, "Reference Rate Reform ASU 2020-04 provides optional expedients and exceptions for applying to loan and lease agreements, derivative contracts, and toward new interest rate benchmarks. For transactions guidance (i) modifications of loan agreements should modification will be considered "minor" so that any existing be amortized and (ii) modifications of lease agreements reassessments of the lease classification and the discount for modifications not accounted for as separate accounting. contract modifications as of January 1, 2020, or prospectively March 12, 2020, up to the date that the financial statements Subtopic within the Codification, the amendments in this that Topic or Industry (yet to be determined) and December 31, 2022 that are continuation of the contract, rather than extinguishment of ASU 2021-01, “Reference Rate Reform clarifies that certain optional expedients and exceptions contract modifications and hedge accounting apply amends the expedients and exceptions in ASC 848 to existing guidance to derivative instruments. ASU will have material effects on the Company’s

INVESTMENT SECURITIES

INVESTMENT SECURITIES	3 Months Ended
	Mar. 31, 2021
Investments Securities [Abstract]
Investment securities	NOTE 2 – INVESTMENT SECURITIES Investment Portfolio Composition . The following table summarizes the amortized cost and related securities available-for-sale and securities held March 31, 2021 December 31, 2020 Amortized Unrealized Unrealized Market Amortized Unrealized Unrealized Market Cost Gains Losses Value Cost Gain Losses Value Available for U.S. Government Treasury $ 173,029 $ 551 $ 464 $ 173,116 $ 103,547 $ 972 $ - $ 104,519 U.S. Government Agency 220,018 2,096 584 221,530 205,972 2,743 184 208,531 States and Political Subdivisions 4,244 73 9 4,308 3,543 89 - 3,632 Mortgage-Backed Securities 440 56 - 496 456 59 - 515 Equity Securities (1) 6,795 - - 6,795 7,673 - - 7,673 Total $ 404,526 $ 2,776 $ 1,057 $ 406,245 $ 321,191 $ 3,863 $ 184 $ 324,870 Held to Maturity U.S. Government Treasury $ - $ - $ - $ - $ 5,001 $ 13 $ - $ 5,014 Mortgage-Backed Securities 199,109 5,358 309 204,158 164,938 5,223 - 170,161 Total $ 199,109 $ 5,358 $ 309 $ 204,158 $ 169,939 $ 5,236 $ - $ 175,175 Total Investment $ 603,635 $ 8,134 $ 1,366 $ 610,403 $ 491,130 $ 9,099 $ 184 $ 500,045 (1) Includes Federal Home Loan Bank and Federal Reserve Bank 2.0 4.8 respectively, 2.9 million and $ 4.8 Securities with an amortized cost of $ 351.1 308.2 pledged to secure public deposits and for other purposes. The Bank, as a member of the Federal Home Loan Bank generally upon the balances of residential and commercial equity securities, is pledged to secure FHLB advances. however, redemption of this stock As a member of the Federal Reserve Bank of Atlanta, based on a specified ratio relative to the Bank’s Maturity Distribution . contractual maturity. prepay obligations. because they are not due at a certain maturity date. Available for Held to Maturity (Dollars in Thousands) Amortized Cost Market Value Amortized Cost Market Value Due in one year or less $ 77,464 $ 77,741 $ - $ - Due after one year through five years 138,352 137,981 - - Due after five year through ten years 989 989 - - Mortgage-Backed Securities 440 496 199,109 204,158 U.S. Government Agency 180,486 182,243 - - Equity Securities 6,795 6,795 - - Total $ 404,526 $ 406,245 $ 199,109 $ 204,158 Unrealized Losses on Investment Securities. unrealized losses aggregated by major security type Less Than Greater Than 12 Months 12 Months Total Market Unrealized Market Unrealized Market Unrealized (Dollars in Thousands) Value Losses Value Losses Value Losses March 31, 2021 Available for U.S. Government Treasury $ 65,577 $ 464 $ - $ - $ 65,577 $ 464 U.S. Government Agency 63,630 554 4,778 30 68,408 584 States and Political Subdivisions 744 9 - - 744 9 Total 129,951 1,027 4,778 30 134,729 1,057 Held to Maturity Mortgage-Backed Securities 20,550 309 - - 20,550 309 Total $ 20,550 $ 309 $ - $ - $ 20,550 $ 309 December 31, 2020 Available for U.S. Government Agency $ 28,266 $ 156 $ 4,670 $ 28 $ 32,936 $ 184 Total $ 28,266 $ 156 $ 4,670 $ 28 $ 32,936 $ 184 At March 31, 2021, there were 89 1.4 87 were U.S. government agency securities issued by U.S. government two Because the declines in the market value of these securities because the Company had the ability and intent to hold maturity, the no t record any allowance for credit losses on any investment no ne of the securities held by the Company were past due or Credit Quality Indicators The Company monitors the credit quality of its investment monitoring of credit ratings. government entity or agency and are either explicitly long history of no credit losses on these securities indicates that even if the U.S. government were to technically refunded and secured by government guaranteed treasuries. assess or record expected credit losses due to the zero securities portfolio via credit ratings which are updated unrealized loss position are evaluated to determine if is needed.

LOANS HELD FOR INVESTMENT AND A

LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES	3 Months Ended
	Mar. 31, 2021
Loans Held For Investment And Allowance For Credit Losses [Abstract]
Loans held for investment and allowance for credit losses	NOTE 3 – LOANS HELD FOR INVESTMENT AND ALLOWANCE Loan Portfolio Composition . (Dollars in Thousands) March 31, 2021 December 31, 2020 Commercial, Financial and Agricultural $ 413,819 $ 393,930 Real Estate – Construction 138,104 135,831 Real Estate – Commercial Mortgage 669,158 648,393 Real Estate – Residential (1) 365,931 352,543 Real Estate – Home Equity 202,099 205,479 Consumer (2) 268,616 270,250 Loans HFI, Net of Unearned Income $ 2,057,727 $ 2,006,426 (1) Includes loans in process with outstanding 8.3 10.9 respectively. (2) Includes overdraft balances of $ 0.9 0.7 Net deferred fees, which include premiums on purchased 1.6 0.1 million at December 31, 2020. Accrued interest receivable on loans which is excluded 7.2 6.9 December 31, 2020, and is reported separately in Other The Company has pledged a blanket floating lien on all 1-4 and home equity loans to support available borrowing consumer loans, commercial loans, and construction loans Atlanta. Loan Purchases . Capital City Home Loans, a related party. 22.2 31, 2021, and were not credit impaired. Allowance for Credit Losses . ASC 326 (“CECL”), component involving loans that do not share risk characteristics loans; and second, a pooled component for expected credit allowance methodology is discussed further in Note 1 Company’s 2020 Form The following table details the activity in the allowance allowance to one category of loans does not preclude Commercial, Real Estate Financial, Real Estate Commercial Real Estate Real Estate (Dollars in Thousands) Agricultural Construction Mortgage Residential Home Equity Consumer Total Three Months Ended March 31, 2021 Beginning Balance $ 2,204 $ 2,479 $ 7,029 $ 5,440 $ 3,111 $ 3,553 $ 23,816 Provision for Credit Losses (314) (225) (718) (305) (655) (95) (2,312) Charge-Offs (69) - - (6) (5) (1,056) (1,136) Recoveries 136 - 645 75 124 678 1,658 Net Recoveries 67 - 645 69 119 (378) 522 Ending Balance $ 1,957 $ 2,254 $ 6,956 $ 5,204 $ 2,575 $ 3,080 $ 22,026 Three Months Ended March 31, 2020 Beginning Balance $ 1,675 $ 370 $ 3,416 $ 3,128 $ 2,224 $ 3,092 $ 13,905 Impact of Adopting ASC 326 488 302 1,458 1,243 374 (596) 3,269 Provision for Credit Losses 406 567 774 1,704 101 1,438 4,990 Charge-Offs (362) - (11) (110) (31) (1,566) (2,080) Recoveries 40 - 191 40 33 695 999 Net Charge-Offs (322) - 180 (70) 2 (871) (1,081) Ending Balance $ 2,247 $ 1,239 $ 5,828 $ 6,005 $ 2,701 $ 3,063 $ 21,083 For the first three months ended March 31, 2021, the allowance 1.8 2.3 million and net loan recoveries of $ 0.5 a lower rate of unemployment and its potential effect estimate probability of default and were weighted based unprecedented fiscal stimulus, including direct payments government sponsored loan programs, was also considered. allowance for off-balance sheet credit commitments. Loan Portfolio Aging. A loan is defined as a past due loan when one full payment is past past due (“DPD”). The following table presents the aging of the amortized cost 30-59 60-89 90 + Total Total Nonaccrual Total (Dollars in Thousands) DPD DPD DPD Past Due Current Loans Loans March 31, 2021 Commercial, Financial and Agricultural $ 55 $ 58 $ - $ 113 $ 413,556 $ 150 $ 413,819 Real Estate – Construction 565 - - 565 137,360 179 138,104 Real Estate – Commercial Mortgage 183 - - 183 667,719 1,256 669,158 Real Estate – Residential 289 226 - 515 362,266 3,150 365,931 Real Estate – Home Equity 355 - - 355 201,282 462 202,099 Consumer 712 179 - 891 267,560 165 268,616 Total $ 2,159 $ 463 $ - $ 2,622 $ 2,049,743 $ 5,362 $ 2,057,727 December 31, 2020 Commercial, Financial and Agricultural $ 194 $ 124 $ - $ 318 $ 393,451 $ 161 $ 393,930 Real Estate – Construction - 717 - 717 134,935 179 135,831 Real Estate – Commercial Mortgage 293 - - 293 646,688 1,412 648,393 Real Estate – Residential 375 530 - 905 348,508 3,130 352,543 Real Estate – Home Equity 325 138 - 463 204,321 695 205,479 Consumer 1,556 342 - 1,898 268,058 294 270,250 Total $ 2,743 $ 1,851 $ - $ 4,594 $ 1,995,961 $ 5,871 $ 2,006,426 Nonaccrual Loans . management deems principal and interest amounts contractually due are brought The following table presents the amortized cost basis of loans in by class of loans. March 31, December 31, 2020 Nonaccrual Nonaccrual Nonaccrual Nonaccrual With With No 90 + Days With With No 90 + Days (Dollars in Thousands) ACL ACL Still Accruing ACL ACL Still Accruing Commercial, Financial and Agricultural $ 150 $ - $ - $ 161 $ - $ - Real Estate – Construction 179 - - 179 - - Real Estate – Commercial Mortgage 199 1,057 - 337 1,075 - Real Estate – Residential 1,641 1,509 - 1,617 1,513 - Real Estate – Home Equity 462 - - 695 - - Consumer 165 - - 294 - - Total Nonaccrual $ 2,796 $ 2,566 $ - $ 3,283 $ 2,588 $ - Collateral Dependent Loans. The following table presents the amortized cost basis of collateral-dependent March 31, 2021 December 31, 2020 Real Estate Non Real Estate Real Estate Non Real Estate (Dollars in Thousands) Secured Secured Secured Secured Commercial, Financial and Agricultural $ - $ - $ - $ - Real Estate – Commercial Mortgage 1,113 - 3,900 - Real Estate – Residential 2,537 - 3,022 - Real Estate – Home Equity 299 - 219 - Consumer - 29 - 29 Total Collateral Dependent $ 3,949 $ 29 $ 7,141 $ 29 A loan is collateral dependent when the borrower is experiencing sale or operation of the underlying collateral. The Bank’s collateral dependent or commercial collateral types. or internal evaluations, adjusted for selling costs or other Residential Real Estate Loans In Process . 1.2 and $ 1.6 Troubled . has granted an economic concession to the borrower alternative, the Company will make concessions including interest rate, or a combination thereof. losses on a loan-by-loan basis as all TDRs are, by definition, results of either a discounted cash flow analysis or the TDR classification can be removed if the borrower’s difficulty, market terms and qualifies as a new loan. At March 31, 2021, the Company had $ 14.3 13.6 modified terms. 14.3 13.9 accordance with modified terms. 0.7 0.6 2021 and December 31, 2020, respectively. The modifications made to TDRs involved either an or a combination thereof. two $ 0.4 one 0.2 For the three month period ended March 31, 2021 there no the loans were modified within the 12 months prior to default. two loans totaling $ 0.1 12 months prior to default. Credit Risk Management . procedures designed to maximize loan income within approve these policies and procedures on a regular Reporting systems are used to monitor loan originations, loans and potential problem loans. monitor asset quality trends and the appropriateness of concentration risk is monitored. of risk, client concentrations, industry group, loan type, of the loan portfolio are monitored and reported Board approved credit policies governing exposure the Company’s loan portfolio Commercial, Financial, and Agricultural – Loans in with consideration given to underlying collateral and ratio limits that require a borrower’s cash flow The majority of these loans are secured by the assets being equipment. governed by established policy guidelines. Real Estate Construction – Loans in this category and construction/permanent loans made to individuals rehabilitation of real property. secured by the property being financed, including 1-4 family occupied or investment in nature. based upon estimates of costs and value associated with the party appraisals and evaluations. of funds for construction loans is made in relation site inspections. Real Estate Commercial Mortgage – Loans in this category owner-occupied or investment in nature. with consideration given to underlying real estate collateral coverage ratios and loan to value ratios specific to appraisals and evaluations. Real Estate Residential – Residential mortgage loans held ability to make scheduled payments with full consideration assets, and other financial resources, credit history, residential properties. originate sub-prime loans. Real Estate Home Equity – Home equity loans and lines are made by senior or junior mortgage liens on owner-occupied favorable credit history combined with supportive established policy guidelines. Consumer Loans – This loan portfolio includes personal lines of credit. establishes maximum debt to income ratios, minimum receipt of credit reports. Credit Quality Indicators . into risk categories based on relevant information about information, historical payment performance, credit documentation, factors. relationships over a predetermined amount and review noted below for categorizing and managing its criticized and are not considered criticized. Special Mention – Loans in this category are presently cause future problems. the ordinary amount of attention is warranted for these loans. Substandard – Loans in this category exhibit well-defined These loans are no longer adequately protected due borrower. Doubtful – Loans in this category have all the weaknesses inherent the weaknesses make collection or liquidation in full, questionable and improbable. Performing/Nonperforming – Loans within certain but are monitored for credit quality via the aging is updated on an on-going basis dependent upon improvement The following table summarizes gross loans held for credit risk ratings (refer to Credit Risk Management section Term Revolving (Dollars in Thousands) 2021 2020 2019 2018 2017 Prior Loans Total Commercial, Financial, Agriculture: Pass $ 77,066 $ 188,688 $ 41,681 $ 32,674 $ 12,792 $ 21,622 $ 38,528 $ 413,051 Special Mention - - 189 39 4 55 - 287 Substandard - 12 - 285 38 88 58 481 Total $ 77,066 $ 188,700 $ 41,870 $ 32,998 $ 12,834 $ 21,765 $ 38,586 $ 413,819 Real Estate - Construction: Pass $ 13,786 $ 80,577 $ 29,221 $ 6,301 $ 1,570 $ - $ 3,451 $ 134,906 Special Mention 643 - 2,376 - - - - 3,019 Substandard - - 179 - - - - 179 Total $ 14,429 $ 80,577 $ 31,776 $ 6,301 $ 1,570 $ - $ 3,451 $ 138,104 Real Estate - Commercial Mortgage: Pass $ 35,435 $ 158,436 $ 100,143 $ 115,971 $ 69,848 $ 111,707 $ 24,321 $ 615,861 Special Mention - 4,161 6,040 14,296 4,618 13,143 397 42,655 Substandard 1,604 589 3,597 87 1,829 2,936 - 10,642 Total $ 37,039 $ 163,186 $ 109,780 $ 130,354 $ 76,295 $ 127,786 $ 24,718 $ 669,158 Real Estate - Residential: Pass $ 42,559 $ 92,152 $ 58,624 $ 39,575 $ 37,006 $ 78,360 $ 6,290 $ 354,566 Special Mention - 139 23 124 173 535 - 994 Substandard 133 1,402 2,653 1,603 1,341 3,239 - 10,371 Total $ 42,692 $ 93,693 $ 61,300 $ 41,302 $ 38,520 $ 82,134 $ 6,290 $ 365,931 Real Estate - Home Equity: Performing $ 39 $ 62 $ 358 $ 238 $ 767 $ 2,247 $ 197,926 $ 201,637 Nonperforming - - - - - - 462 462 Total $ 39 $ 62 $ 358 $ 238 $ 767 $ 2,247 $ 198,388 $ 202,099 Consumer: Performing $ 30,721 $ 97,423 $ 61,532 $ 44,126 $ 20,292 $ 9,502 $ 4,855 $ 268,451 Nonperforming - 55 61 5 12 32 - 165 Total $ 30,721 $ 97,478 $ 61,593 $ 44,131 $ 20,304 $ 9,534 $ 4,855 $ 268,616

MORTGAGE BANKING ACTIVITIES

MORTGAGE BANKING ACTIVITIES	3 Months Ended
	Mar. 31, 2021
Mortgage Banking Activities [Abstract]
Mortgage Banking Activities	NOTE 4 – MORTGAGE BANKING ACTIVITIES The Company’s mortgage sales, forward sales contracts used to manage residential market residential loan closings, and residential mortgage CCHL activities for the period March 1, 2020 to March January 1, 2020 to March 1, 2020. Residential Mortgage Loan Production The Company originates, markets, and services conventional conforming fixed rate residential mortgage loans are held residential mortgage loans may be held for investment. market prices are the primary drivers of origination revenue. Residential mortgage loan commitments are generally outstanding commitment to originate a residential mortgage loan to commitments are subject to both credit and price risk. collateral requirements, which are generally accepted fluctuations and is partially managed through forward securities, or TBAs) or mandatory delivery commitments The unpaid principal balance of residential mortgage loans mortgage loan commitments and forward contract sales and March 31, 2021 December 31, 2020 Unpaid Principal Unpaid Principal (Dollars in Thousands) Balance/Notional Fair Value Balance/Notional Fair Value Residential Mortgage Loans Held for Sale $ 79,903 $ 82,081 $ 109,831 $ 114,039 Residential Mortgage Loan Commitments ("IRLCs") (1) 144,155 2,982 147,494 4,825 Forward Sales Contracts (2) 137,500 1,356 158,500 (907) $ 86,419 $ 117,957 (1) Recorded in other assets at fair value (2) Recorded at fair value in other assets at March Residential mortgage loans held for sale that were 0.4 2021 and $ 0.6 Mortgage banking revenue was as follows: Three Months Ended March 31, (Dollars in Thousands) 2021 2020 Net realized gains on sales of mortgage loans $ 14,424 $ 3,407 Net change in unrealized gain on mortgage loans held (2,031) 738 Net change in the fair value of mortgage loan commitments (1,843) 1,655 Net change in the fair value of forward sales contracts 2,263 (1,394) Pair-Offs on net settlement of forward 3,310 (1,376) Mortgage servicing rights additions 187 - Net origination fees 815 223 Total mortgage $ 17,125 $ 3,253 Residential Mortgage Servicing The Company may retain the right to service residential others is the primary driver of servicing revenue. The following represents a summary of mortgage (Dollars in Thousands) March 31, 2021 December 31, 2020 Number of residential mortgage loans serviced for others 1,800 1,796 Outstanding principal balance of residential mortgage $ 454,382 $ 456,135 Weighted average 3.62% 3.64% Remaining contractual term (in months) 320 321 Conforming conventional loans serviced by the Company generally the responsibility of FNMA and not the Company. GNMA, whereby the Company is insured against loss by the Veterans 63 %), GNMA ( 11 %), and private investor ( 26 %). The Company had $ 2.9 4.9 Company at March 31, 2021 and December 31, 2020, has been recorded in other assets and other liabilities, respectively, three months ended March 31, 2021, the Company 1.5 the intention to modify their terms and include the Activity in the capitalized mortgage servicing rights was as follows: Three Months Ended March 31, (Dollars in Thousands) 2021 2020 Beginning balance $ 3,452 $ 910 Additions due to loans sold with servicing retained 187 25 Deletions and amortization (306) (25) Valuation 250 - Ending balance $ 3,583 $ 910 The Company did no t record any permanent impairment losses on mortgage servicing 31, 2021 and March 31, 2020. The key unobservable inputs used in determining the March 31, 2021 December 31, 2020 Minimum Maximum Minimum Maximum Discount rates 11.00% 15.00% 11.00% 15.00% Annual prepayment speeds 9.60% 24.96% 13.08% 23.64% Cost of servicing (per loan) $ 90 $ 110 $ 90 $ 110 Changes in residential mortgage interest rates directly servicing rights. estimated loan curtailment, anticipated defaults, and other relevant 14.16 % at March 31, 2021 and 17.10 % at December 31, 2020. Warehouse The Company has the following warehouse lines of March 31, 2021. Amounts (Dollars in Thousands) Outstanding $ 25 October 2021 . 2.25% , with a floor rate of 3.50% . 0.1 $ 7,788 $ 50 2.24% 3.00% , with a floor rate of 3.25% . 0.5 27,622 $ 50 September 2021 . 2.75% , with a floor rate of 3.25% . 13,403 Total Warehouse $ 48,813 Warehouse sale pledged as collateral under the above warehouse lines contain covenants which include certain financial requirements, liquid assets, maximum debt to net worth ratio and positive compliance with all significant debt covenants at March The Company intends to renew the warehouse lines of The Company has extended a $ 50 51 % owned subsidiary entity. transactions under this line of credit are eliminated total short term borrowings noted on the consolidated 2021 was $ 29.7

DERIVATIVES

DERIVATIVES	3 Months Ended
	Mar. 31, 2021
Derivatives [Abstract]
Derivatives	NOTE 5 – DERIVATIVES The Company enters into derivative financial instruments to manage receipt or payment of future known and uncertain cash derivative financial instruments are used to manage differences expected cash receipts and its known or expected Cash Flow Hedges of Interest Rate Risk Interest rate swaps with notional amounts totaling 30 debt. 2.50 % and receive a variable interest rate based on three-month LIBOR plus a weighted average margin 1.83 %. For derivatives designated and that qualify as cash accumulated other comprehensive income (“AOCI”) and which the hedged transaction affects earnings. will be reclassified to interest expense as interest payments are The following table reflects the cash flow hedges included Notional Fair Balance Sheet Weighted Average (Dollars in Thousands) Value Location March 31, 2021 Interest rate swaps related to subordinated debt $ 30,000 $ 2,699 Other Assets 9.3 December 31, 2020 Interest rate swaps related to subordinated debt $ 30,000 $ 574 Other Assets 9.5 The following table presents the net gains (losses) recorded flow derivative instruments (interest rate swaps related to Amount of Gain Amount of Gain (Loss) Recognized (Loss) Reclassified (Dollars in Thousands) in AOCI Category from AOCI to Income Three months ended March 31, 2021 $ 1,587 Interest Expense $ (33) The Company estimates there will be approximately 0.1 months. The Company had a collateral liability of $ 2.6 0.5

LEASES

LEASES	3 Months Ended
	Mar. 31, 2021
Leases [Abstract]
Leases	NOTE 6 – LEASES Operating leases in which the Company is the lessee are liabilities, included in other assets and liabilities, respectively, Operating lease ROU assets represent the Company’s liabilities represent the Company’s liabilities are recognized at lease commencement based represents the Company’s of amortization of the ROU asset and the implicit interest accreted over the lease term, and is recorded in occupancy expense The Company’s operating 1 45 leases are not complex and do not contain residual value made in applying the requirements of Topic Operating leases with an initial term of 12 months or less are not recorded on the balance sheet and the related lease expense is recognized on a straight-line basis over the lease term. lease ROU assets and liabilities were $ 11.8 12.6 any significant lessor agreements. The table below summarizes our lease expense and other Three Months Ended March 31, (Dollars in Thousands) 2021 2020 Operating lease expense $ 344 $ 156 Short-term lease expense 140 79 Total lease expense $ 484 $ 235 Other information: Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 385 $ 160 Right-of-use assets obtained in exchange for new operating lease liabilities 75 5,092 Weighted average 25.5 15.4 Weighted average 2.1% 2.4% The table below summarizes the maturity of remaining (Dollars in Thousands) March 31, 2021 2021 $ 1,158 2022 1,389 2023 995 2024 945 2025 771 2026 and thereafter 11,132 Total $ 16,390 Less: Interest (3,837) Present Value $ 12,553 At March 31, 2021, the Company had additional operating two totaling $ 4.8 15 years . Payments for the banking offices are expected to commence after the construction period ends, which is expected to occur during the second quarter of 2022 and the third quarter of 2022. A related party is the lessor in an operating lease with 0.2 through 2024, for an aggregate remaining obligation of 0.7

EMPLOYEE BENEFIT PLANS

EMPLOYEE BENEFIT PLANS	3 Months Ended
	Mar. 31, 2021
Compensation and Retirement Disclosure [Abstract]
Employee benefit plans	NOTE 7 - EMPLOYEE BENEFIT PLANS The Company has a defined benefit pension plan covering Supplemental Executive Retirement Plan (“SERP”) and executive officers. December 31, 2019. were not covered by the SERP. The components of the net periodic benefit cost for Three Months Ended March 31, (Dollars in Thousands) 2021 2020 Service Cost $ 1,743 $ 1,457 Interest Cost 1,221 1,411 Expected Return on Plan Assets (2,787) (2,748) Prior Service Cost Amortization 4 4 Net Loss Amortization 1,691 1,011 Special Termination - 61 Net Periodic Benefit Cost $ 1,872 $ 1,196 Discount Rate Used for Benefit Cost 2.88% 3.53% Long-term Rate of Return on Assets 6.75% 7.00% The components of the net periodic benefit cost for the Company's Three Months Ended March 31, (Dollars in Thousands) 2021 2020 Service Cost $ 9 $ - Interest Cost $ 59 $ 72 Prior Service Cost Amortization 19 - Net Loss Amortization 198 247 Net Periodic Benefit Cost $ 285 $ 319 Discount Rate Used for Benefit Cost 2.38% 3.16% The service cost component of net periodic benefit cost is reflected income. of income.

COMMITMENTS AND CONTINGENCIES

COMMITMENTS AND CONTINGENCIES	3 Months Ended
	Mar. 31, 2021
Commitments and Contingencies [Abstract]
Commitment and contingencies	NOTE 8 - COMMITMENTS AND CONTINGENCIES Lending Commitments . to meet the financing needs of its clients. credit. The Company’s maximum the contractual amount of those instruments. letters of credit as it does for on-balance sheet instruments. obligations were as follows: March 31, 2021 December 31, 2020 (Dollars in Thousands) Fixed Variable Total Fixed Variable Total Commitments to Extend Credit $ 170,898 $ 599,387 $ 770,285 $ 160,372 $ 596,572 $ 756,944 Standby Letters of Credit 6,711 - 6,711 6,550 - 6,550 Total $ 177,609 $ 599,387 $ 776,996 $ 166,922 $ 596,572 $ 763,494 (1) Commitments include unfunded loans, revolving Commitments to extend credit are agreements to lend contract. many of the commitments are expected to expire without represent future cash requirements. Standby letters of credit are conditional commitments party. general, management does not anticipate any material potential losses arising from such transactions are reserved facilities. For both on- deemed necessary. obtained upon extension of credit is based on management’s include deposits held in financial institutions; U.S. Treasury property, plant and The allowance for credit losses for off-balance sheet adjusted as a provision for credit loss expense and is recorded allowance. Three Months Ended March 31, (Dollars in Thousands) 2021 2020 Beginning Balance $ 1,644 $ 157 Impact of Adoption of ASC 326 - 876 Provision for Credit Losses 1,330 - Ending Balance $ 2,974 $ 1,033 Contingencies . there are no known pending claims or litigation, the outcome on the consolidated results of operations, financial Indemnification Obligation . indemnify the Visa U.S.A. antitrust lawsuits challenging the practices of Visa U.S.A. network, obtained Class B shares of Visa, funded a litigation reserve for the Covered Litigation resulting first quarter of 2011, the Company contract with the purchaser of the shares that requires revisions to the conversion ratio for its Class B shares. Fixed charges included in the swap liability are payable aforementioned swap contract will be terminated. 200,000 . ongoing fixed quarterly charges are reflected

FAIR VALUE MEASUREMENTS

FAIR VALUE MEASUREMENTS	3 Months Ended
	Mar. 31, 2021
Fair Value measurements [Abstract]
Fair value measurements	NOTE 9 – FAIR VALUE The fair value of an asset or liability is the price that would transaction occurring in the principal market (or most advantageous liability. approach and/or the cost approach. assumptions that market participants would use in valuation inputs that gives the highest priority to quoted priority to unobservable inputs. ● Level 1 Inputs - Unadjusted quoted prices in active markets for identical assets or liabilities ability to access at the measurement date . ● Level 2 Inputs - Inputs other than quoted prices included in Level 1 that or indirectly. These or similar assets or liabilities in markets that are not active, liability (such as interest rates, volatilities, prepayment corroborated, by market data by correlation or other means . ● Level 3 Inputs - Unobservable inputs for determining the fair values of assets or assumptions about the assumptions that market participants Assets and Liabilities Measured at Fair Securities Available for Sale. U.S. Treasury securities are reported available for sale are reported at fair value utilizing Level from an independent pricing service. spreads, cash flows, the U.S. Treasury and conditions, among other things. In general, the Company does not purchase securities that have traditional investments, nearly all of which are U.S. Treasury general obligation or revenue-based municipal bonds. will validate prices supplied by the independent pricing source. Loans Held for Sale . using either quoted secondary-market prices or investor commitments. using quoted prices for a similar asset or assets, adjusted for participants. Mortgage Banking Derivative Instruments. The fair values of interest rate lock commitments (“IRLCs”) are derived models incorporating market pricing for instruments with investor commitment prices for best effort servicing rights expected to be recorded upon sale of the and are therefore classified as Level 3 within the fair value observable market pricing for similar instruments and Interest Rate Swap. The Company’s derivative models generally accepted in the financial services external market data providers. Fair Value . valuation represents the amount due and payable to the counterparty period. A summary of fair values for assets and liabilities consisted Level 1 Level 2 Level 3 Total (Dollars in Thousands) Inputs Inputs Inputs Value March 31, 2021 ASSETS: Securities Available U.S. Government Treasury $ 173,116 $ - $ - $ 173,116 U.S. Government Agency - 221,530 - 221,530 States and Political Subdivisions - 4,308 - 4,308 Mortgage-Backed Securities - 496 - 496 Equity Securities (1) - 6,795 - 6,795 Loans Held for Sale - 82,081 - 82,081 Interest Rate Swap Derivative - 2,699 - 2,699 Mortgage Banking Hedge Derivative - 1,356 - 1,356 Mortgage Banking IRLC Derivative - - 2,982 2,982 Mortgage Servicing Rights - - 4,019 4,019 December 31, 2020 ASSETS: Securities Available U.S. Government Treasury $ 104,519 $ - $ - $ 104,519 U.S. Government Agency - 208,531 - 208,531 States and Political Subdivisions - 3,632 - 3,632 Mortgage-Backed Securities - 515 - 515 Equity Securities (1) - 7,673 - 7,673 Loans Held for Sale - 114,039 - 114,039 Interest Rate Swap Derivative - 574 - 574 Mortgage Banking IRLC Derivative - - 4,825 4,825 LIABILITIES: Mortgage Banking Hedge Derivative - 907 - 907 (1) Not readily marketable securities - reflected Mortgage Banking Activities . 15.4 10.5 the three month period ending March 31, 2021 and Level 3 1.2 1.8 the three month period ending March 31, 2020 related to value of the underlying mortgage loan from inception to originate. value. Assets Measured at Fair Value Certain assets are measured at fair value on a non-recurring but are subject to fair value adjustments in certain circumstances). The following is a description of valuation methodologies Collateral Dependent Loans . costs. regulations. estimation involved in the real estate appraisal process. basis for additional impairment and adjusted accordingly. periods. 4.0 0.1 and $ 7.1 0.1 Other Real Estate Owned . and reported at fair value through a charge-off estimated cost to sell. conformance with banking regulations. adjustments as necessary. involved in the real estate valuation process. Mortgage Servicing Rights . upon the fair value of the rights as compared to the carrying estimated prepayment speeds of the underlying mortgage loans serviced underlying loans (predominantly loan type and note interest discount rate, weighted average prepayment speed, and provided in Note 4 – Mortgage Banking Activities. no Assets and Liabilities Disclosed at Fair Value The Company is required to disclose the estimated fair value practical to estimate fair value and the following Cash and Short-Term The carrying amount of cash and short-term investments is used the short time frame to maturity and as such assets do Securities Held to Maturity . footnote under the caption “Assets and Liabilities Measured Loans. techniques based upon projected cash flows, estimated “exit price” valuation. Deposits. amounts payable on demand at the reporting date. The value techniques and rates currently offered Subordinated Notes Payable. flows and estimated discount rates as well as rates being offered Short-Term projected cash flows and estimated discount rates as well as rates A summary of estimated fair values of significant March 31, 2021 Carrying Level 1 Level 2 Level 3 (Dollars in Thousands) Value Inputs Inputs Inputs ASSETS: Cash $ 73,973 $ 73,973 $ - $ - Short-Term 851,910 851,910 - - Investment Securities, Available 406,245 173,116 233,129 - Investment Securities, Held to Maturity 199,109 - 204,158 - Equity Securities (1) 3,588 - 3,588 - Loans Held for Sale 82,081 - 82,081 - Interest Rate Swap Derivative 2,699 - 2,699 - Mortgage Banking Hedge Derivative 1,356 - 1,356 - Mortgage Banking IRLC Derivative 2,982 - - 2,982 Mortgage Servicing Rights 3,583 - - 4,019 Loans, Net of Allowance for Credit Losses 2,035,701 - - 2,036,010 LIABILITIES: Deposits $ 3,358,108 $ - $ 3,358,015 $ - Short-Term 55,687 - 55,687 - Subordinated Notes Payable 52,887 - 43,038 - Long-Term Borrowings 1,829 - 1,927 - December 31, 2020 Carrying Level 1 Level 2 Level 3 (Dollars in Thousands) Value Inputs Inputs Inputs ASSETS: Cash $ 67,919 $ 67,919 $ - $ - Short-Term 860,630 860,630 - - Investment Securities, Available 324,870 104,519 220,351 - Investment Securities, Held to Maturity 169,939 5,014 170,161 - Loans Held for Sale 114,039 - 114,039 - Equity Securities (1) 3,589 - 3,589 - Interest Rate Swap Derivative 574 - 574 - Mortgage Banking IRLC Derivative 4,825 - - 4,825 Mortgage Servicing Rights 3,452 - - 3,451 Loans, Net of Allowance for Credit Losses 1,982,610 - - 1,990,740 LIABILITIES: Deposits $ 3,217,560 $ - $ 3,217,615 $ - Short-Term 79,654 - 79,654 - Subordinated Notes Payable 52,887 - 43,449 - Long-Term Borrowings 3,057 - 3,174 - Mortgage Banking Hedge Derivative 907 - 907 - (1) All non-financial instruments are excluded from the aggregate fair value amounts presented do not represent

OTHER COMPREHENSIVE INCOME

OTHER COMPREHENSIVE INCOME	3 Months Ended
	Mar. 31, 2021
Other comprehensive income [Abstract]
Other comprehensive income	NOTE 10 – ACCUMULATED The amounts allocated to accumulated other comprehensive Accumulated Securities Other Available Interest Rate Retirement Comprehensive (Dollars in Thousands) Swap Plans Balance as of January 1, 2021 $ 2,700 $ 428 $ (47,270) $ (44,142) Other comprehensive income during the period (1,458) 1,587 142 271 Balance as of March 31, 2021 $ 1,242 $ 2,015 $ (47,128) $ (43,871) Balance as of January 1, 2020 $ 864 $ - $ (29,045) $ (28,181) Other comprehensive income during the period 2,648 - - 2,648 Balance as of March 31, 2020 $ 3,512 $ - $ (29,045) $ (25,533)

BUSINESS AND BASIS OF PRESENT_2

BUSINESS AND BASIS OF PRESENTATION (Policies)	3 Months Ended
	Mar. 31, 2021
Business and Basis of Presentation [Abstract]
Nature of Operations	Nature of Operations . related services to individual and corporate clients through Georgia, and Alabama. government agencies and undergoes periodic
Basis of Presentation	Basis of Presentation . and its wholly owned subsidiary, have been eliminated. The accompanying unaudited consolidated financial statements principles for interim financial information and with they do not include all of the information and footnotes required statements. presentation have been included. The consolidated statement of financial condition at statements at that date, but does not include all of the for complete financial statements. included in the Company’s
Accounting Standards Updates	Accounting Standards Updates ASU 2020-04, "Reference Rate Reform ASU 2020-04 provides optional expedients and exceptions for applying to loan and lease agreements, derivative contracts, and toward new interest rate benchmarks. For transactions guidance (i) modifications of loan agreements should modification will be considered "minor" so that any existing be amortized and (ii) modifications of lease agreements reassessments of the lease classification and the discount for modifications not accounted for as separate accounting. contract modifications as of January 1, 2020, or prospectively March 12, 2020, up to the date that the financial statements Subtopic within the Codification, the amendments in this that Topic or Industry (yet to be determined) and December 31, 2022 that are continuation of the contract, rather than extinguishment of ASU 2021-01, “Reference Rate Reform clarifies that certain optional expedients and exceptions contract modifications and hedge accounting apply amends the expedients and exceptions in ASC 848 to existing guidance to derivative instruments. ASU will have material effects on the Company’s

INVESTMENT SECURITIES (Tables)

INVESTMENT SECURITIES (Tables)	3 Months Ended
	Mar. 31, 2021
Investments Securities [Abstract]
Schedule of amortized cost and related market value of investment securities available-for-sale	NOTE 2 – INVESTMENT SECURITIES Investment Portfolio Composition . The following table summarizes the amortized cost and related securities available-for-sale and securities held March 31, 2021 December 31, 2020 Amortized Unrealized Unrealized Market Amortized Unrealized Unrealized Market Cost Gains Losses Value Cost Gain Losses Value Available for U.S. Government Treasury $ 173,029 $ 551 $ 464 $ 173,116 $ 103,547 $ 972 $ - $ 104,519 U.S. Government Agency 220,018 2,096 584 221,530 205,972 2,743 184 208,531 States and Political Subdivisions 4,244 73 9 4,308 3,543 89 - 3,632 Mortgage-Backed Securities 440 56 - 496 456 59 - 515 Equity Securities (1) 6,795 - - 6,795 7,673 - - 7,673 Total $ 404,526 $ 2,776 $ 1,057 $ 406,245 $ 321,191 $ 3,863 $ 184 $ 324,870 Held to Maturity U.S. Government Treasury $ - $ - $ - $ - $ 5,001 $ 13 $ - $ 5,014 Mortgage-Backed Securities 199,109 5,358 309 204,158 164,938 5,223 - 170,161 Total $ 199,109 $ 5,358 $ 309 $ 204,158 $ 169,939 $ 5,236 $ - $ 175,175 Total Investment $ 603,635 $ 8,134 $ 1,366 $ 610,403 $ 491,130 $ 9,099 $ 184 $ 500,045 (1) Includes Federal Home Loan Bank and Federal Reserve Bank 2.0 4.8 respectively, 2.9 million and $ 4.8
Schedule of investment securities with maturity distribution based on contractual maturities	Available for Held to Maturity (Dollars in Thousands) Amortized Cost Market Value Amortized Cost Market Value Due in one year or less $ 77,464 $ 77,741 $ - $ - Due after one year through five years 138,352 137,981 - - Due after five year through ten years 989 989 - - Mortgage-Backed Securities 440 496 199,109 204,158 U.S. Government Agency 180,486 182,243 - - Equity Securities 6,795 6,795 - - Total $ 404,526 $ 406,245 $ 199,109 $ 204,158
Schedule of investment securities with continuous unrealized loss position	Less Than Greater Than 12 Months 12 Months Total Market Unrealized Market Unrealized Market Unrealized (Dollars in Thousands) Value Losses Value Losses Value Losses March 31, 2021 Available for U.S. Government Treasury $ 65,577 $ 464 $ - $ - $ 65,577 $ 464 U.S. Government Agency 63,630 554 4,778 30 68,408 584 States and Political Subdivisions 744 9 - - 744 9 Total 129,951 1,027 4,778 30 134,729 1,057 Held to Maturity Mortgage-Backed Securities 20,550 309 - - 20,550 309 Total $ 20,550 $ 309 $ - $ - $ 20,550 $ 309 December 31, 2020 Available for U.S. Government Agency $ 28,266 $ 156 $ 4,670 $ 28 $ 32,936 $ 184 Total $ 28,266 $ 156 $ 4,670 $ 28 $ 32,936 $ 184

LOANS HELD FOR INVESTMENT AND_2

LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Tables)	3 Months Ended
	Mar. 31, 2021
Loans Held For Investment And Allowance For Credit Losses [Abstract]
Schedule of composition of the loan portfolio	(Dollars in Thousands) March 31, 2021 December 31, 2020 Commercial, Financial and Agricultural $ 413,819 $ 393,930 Real Estate – Construction 138,104 135,831 Real Estate – Commercial Mortgage 669,158 648,393 Real Estate – Residential (1) 365,931 352,543 Real Estate – Home Equity 202,099 205,479 Consumer (2) 268,616 270,250 Loans HFI, Net of Unearned Income $ 2,057,727 $ 2,006,426 (1) Includes loans in process with outstanding 8.3 10.9 respectively. (2) Includes overdraft balances of $ 0.9 0.7
Schedule of activity in the allowance for loan losses by portfolio class	Commercial, Real Estate Financial, Real Estate Commercial Real Estate Real Estate (Dollars in Thousands) Agricultural Construction Mortgage Residential Home Equity Consumer Total Three Months Ended March 31, 2021 Beginning Balance $ 2,204 $ 2,479 $ 7,029 $ 5,440 $ 3,111 $ 3,553 $ 23,816 Provision for Credit Losses (314) (225) (718) (305) (655) (95) (2,312) Charge-Offs (69) - - (6) (5) (1,056) (1,136) Recoveries 136 - 645 75 124 678 1,658 Net Recoveries 67 - 645 69 119 (378) 522 Ending Balance $ 1,957 $ 2,254 $ 6,956 $ 5,204 $ 2,575 $ 3,080 $ 22,026 Three Months Ended March 31, 2020 Beginning Balance $ 1,675 $ 370 $ 3,416 $ 3,128 $ 2,224 $ 3,092 $ 13,905 Impact of Adopting ASC 326 488 302 1,458 1,243 374 (596) 3,269 Provision for Credit Losses 406 567 774 1,704 101 1,438 4,990 Charge-Offs (362) - (11) (110) (31) (1,566) (2,080) Recoveries 40 - 191 40 33 695 999 Net Charge-Offs (322) - 180 (70) 2 (871) (1,081) Ending Balance $ 2,247 $ 1,239 $ 5,828 $ 6,005 $ 2,701 $ 3,063 $ 21,083
Schedule of aging of the recorded investment in accruing past due loans by class of loans	30-59 60-89 90 + Total Total Nonaccrual Total (Dollars in Thousands) DPD DPD DPD Past Due Current Loans Loans March 31, 2021 Commercial, Financial and Agricultural $ 55 $ 58 $ - $ 113 $ 413,556 $ 150 $ 413,819 Real Estate – Construction 565 - - 565 137,360 179 138,104 Real Estate – Commercial Mortgage 183 - - 183 667,719 1,256 669,158 Real Estate – Residential 289 226 - 515 362,266 3,150 365,931 Real Estate – Home Equity 355 - - 355 201,282 462 202,099 Consumer 712 179 - 891 267,560 165 268,616 Total $ 2,159 $ 463 $ - $ 2,622 $ 2,049,743 $ 5,362 $ 2,057,727 December 31, 2020 Commercial, Financial and Agricultural $ 194 $ 124 $ - $ 318 $ 393,451 $ 161 $ 393,930 Real Estate – Construction - 717 - 717 134,935 179 135,831 Real Estate – Commercial Mortgage 293 - - 293 646,688 1,412 648,393 Real Estate – Residential 375 530 - 905 348,508 3,130 352,543 Real Estate – Home Equity 325 138 - 463 204,321 695 205,479 Consumer 1,556 342 - 1,898 268,058 294 270,250 Total $ 2,743 $ 1,851 $ - $ 4,594 $ 1,995,961 $ 5,871 $ 2,006,426
Schedule of recorded investment in nonaccrual loans and loans past due over 90 days and still on accrual by class of loans	March 31, December 31, 2020 Nonaccrual Nonaccrual Nonaccrual Nonaccrual With With No 90 + Days With With No 90 + Days (Dollars in Thousands) ACL ACL Still Accruing ACL ACL Still Accruing Commercial, Financial and Agricultural $ 150 $ - $ - $ 161 $ - $ - Real Estate – Construction 179 - - 179 - - Real Estate – Commercial Mortgage 199 1,057 - 337 1,075 - Real Estate – Residential 1,641 1,509 - 1,617 1,513 - Real Estate – Home Equity 462 - - 695 - - Consumer 165 - - 294 - - Total Nonaccrual $ 2,796 $ 2,566 $ - $ 3,283 $ 2,588 $ -
Amortized cost basis of collateral-dependent loans	March 31, 2021 December 31, 2020 Real Estate Non Real Estate Real Estate Non Real Estate (Dollars in Thousands) Secured Secured Secured Secured Commercial, Financial and Agricultural $ - $ - $ - $ - Real Estate – Commercial Mortgage 1,113 - 3,900 - Real Estate – Residential 2,537 - 3,022 - Real Estate – Home Equity 299 - 219 - Consumer - 29 - 29 Total Collateral Dependent $ 3,949 $ 29 $ 7,141 $ 29
Summary of gross loans held for investment by years of origination	Term Revolving (Dollars in Thousands) 2021 2020 2019 2018 2017 Prior Loans Total Commercial, Financial, Agriculture: Pass $ 77,066 $ 188,688 $ 41,681 $ 32,674 $ 12,792 $ 21,622 $ 38,528 $ 413,051 Special Mention - - 189 39 4 55 - 287 Substandard - 12 - 285 38 88 58 481 Total $ 77,066 $ 188,700 $ 41,870 $ 32,998 $ 12,834 $ 21,765 $ 38,586 $ 413,819 Real Estate - Construction: Pass $ 13,786 $ 80,577 $ 29,221 $ 6,301 $ 1,570 $ - $ 3,451 $ 134,906 Special Mention 643 - 2,376 - - - - 3,019 Substandard - - 179 - - - - 179 Total $ 14,429 $ 80,577 $ 31,776 $ 6,301 $ 1,570 $ - $ 3,451 $ 138,104 Real Estate - Commercial Mortgage: Pass $ 35,435 $ 158,436 $ 100,143 $ 115,971 $ 69,848 $ 111,707 $ 24,321 $ 615,861 Special Mention - 4,161 6,040 14,296 4,618 13,143 397 42,655 Substandard 1,604 589 3,597 87 1,829 2,936 - 10,642 Total $ 37,039 $ 163,186 $ 109,780 $ 130,354 $ 76,295 $ 127,786 $ 24,718 $ 669,158 Real Estate - Residential: Pass $ 42,559 $ 92,152 $ 58,624 $ 39,575 $ 37,006 $ 78,360 $ 6,290 $ 354,566 Special Mention - 139 23 124 173 535 - 994 Substandard 133 1,402 2,653 1,603 1,341 3,239 - 10,371 Total $ 42,692 $ 93,693 $ 61,300 $ 41,302 $ 38,520 $ 82,134 $ 6,290 $ 365,931 Real Estate - Home Equity: Performing $ 39 $ 62 $ 358 $ 238 $ 767 $ 2,247 $ 197,926 $ 201,637 Nonperforming - - - - - - 462 462 Total $ 39 $ 62 $ 358 $ 238 $ 767 $ 2,247 $ 198,388 $ 202,099 Consumer: Performing $ 30,721 $ 97,423 $ 61,532 $ 44,126 $ 20,292 $ 9,502 $ 4,855 $ 268,451 Nonperforming - 55 61 5 12 32 - 165 Total $ 30,721 $ 97,478 $ 61,593 $ 44,131 $ 20,304 $ 9,534 $ 4,855 $ 268,616

MORTGAGE BANKING ACTIVITIES (Ta

MORTGAGE BANKING ACTIVITIES (Tables)	3 Months Ended
	Mar. 31, 2021
Mortgage Banking Activities [Abstract]
Residential Mortgage Loan Production	March 31, 2021 December 31, 2020 Unpaid Principal Unpaid Principal (Dollars in Thousands) Balance/Notional Fair Value Balance/Notional Fair Value Residential Mortgage Loans Held for Sale $ 79,903 $ 82,081 $ 109,831 $ 114,039 Residential Mortgage Loan Commitments ("IRLCs") (1) 144,155 2,982 147,494 4,825 Forward Sales Contracts (2) 137,500 1,356 158,500 (907) $ 86,419 $ 117,957 (1) Recorded in other assets at fair value (2) Recorded at fair value in other assets at March
Mortgage banking revenue	Three Months Ended March 31, (Dollars in Thousands) 2021 2020 Net realized gains on sales of mortgage loans $ 14,424 $ 3,407 Net change in unrealized gain on mortgage loans held (2,031) 738 Net change in the fair value of mortgage loan commitments (1,843) 1,655 Net change in the fair value of forward sales contracts 2,263 (1,394) Pair-Offs on net settlement of forward 3,310 (1,376) Mortgage servicing rights additions 187 - Net origination fees 815 223 Total mortgage $ 17,125 $ 3,253
Summary of mortgage servicing rights	(Dollars in Thousands) March 31, 2021 December 31, 2020 Number of residential mortgage loans serviced for others 1,800 1,796 Outstanding principal balance of residential mortgage $ 454,382 $ 456,135 Weighted average 3.62% 3.64% Remaining contractual term (in months) 320 321
Summary of mortgage servicing rights	Three Months Ended March 31, (Dollars in Thousands) 2021 2020 Beginning balance $ 3,452 $ 910 Additions due to loans sold with servicing retained 187 25 Deletions and amortization (306) (25) Valuation 250 - Ending balance $ 3,583 $ 910
Key unobservable inputs used in determining the fair value of mortgage servicing rights	March 31, 2021 December 31, 2020 Minimum Maximum Minimum Maximum Discount rates 11.00% 15.00% 11.00% 15.00% Annual prepayment speeds 9.60% 24.96% 13.08% 23.64% Cost of servicing (per loan) $ 90 $ 110 $ 90 $ 110
Warehouse Line Borrowings	Amounts (Dollars in Thousands) Outstanding $ 25 October 2021 . 2.25% , with a floor rate of 3.50% . 0.1 $ 7,788 $ 50 2.24% 3.00% , with a floor rate of 3.25% . 0.5 27,622 $ 50 September 2021 . 2.75% , with a floor rate of 3.25% . 13,403 Total Warehouse $ 48,813

DERIVATIVES (Tables)

DERIVATIVES (Tables)	3 Months Ended
	Mar. 31, 2021
Derivatives [Abstract]
Cash flow hedges included in the Consolidated Statement of Financial Condition	Notional Fair Balance Sheet Weighted Average (Dollars in Thousands) Value Location March 31, 2021 Interest rate swaps related to subordinated debt $ 30,000 $ 2,699 Other Assets 9.3 December 31, 2020 Interest rate swaps related to subordinated debt $ 30,000 $ 574 Other Assets 9.5
Net gains (losses) recorded in accumulated other comprehensive income	Amount of Gain Amount of Gain (Loss) Recognized (Loss) Reclassified (Dollars in Thousands) in AOCI Category from AOCI to Income Three months ended March 31, 2021 $ 1,587 Interest Expense $ (33)

LEASES (Tables)

LEASES (Tables)	3 Months Ended
	Mar. 31, 2021
Leases [Abstract]
Summary of lease expense and other information related to operating leases	Three Months Ended March 31, (Dollars in Thousands) 2021 2020 Operating lease expense $ 344 $ 156 Short-term lease expense 140 79 Total lease expense $ 484 $ 235 Other information: Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 385 $ 160 Right-of-use assets obtained in exchange for new operating lease liabilities 75 5,092 Weighted average 25.5 15.4 Weighted average 2.1% 2.4%
Summary of maturity of remaining lease liabilities	The table below summarizes the maturity of remaining (Dollars in Thousands) March 31, 2021 2021 $ 1,158 2022 1,389 2023 995 2024 945 2025 771 2026 and thereafter 11,132 Total $ 16,390 Less: Interest (3,837) Present Value $ 12,553

EMPLOYEE BENEFIT PLANS (Tables)

EMPLOYEE BENEFIT PLANS (Tables)	3 Months Ended
	Mar. 31, 2021
Defined Benefit Plan Disclosure [Line Items]
Schedule of Net Benefit Costs	Three Months Ended March 31, (Dollars in Thousands) 2021 2020 Service Cost $ 1,743 $ 1,457 Interest Cost 1,221 1,411 Expected Return on Plan Assets (2,787) (2,748) Prior Service Cost Amortization 4 4 Net Loss Amortization 1,691 1,011 Special Termination - 61 Net Periodic Benefit Cost $ 1,872 $ 1,196 Discount Rate Used for Benefit Cost 2.88% 3.53% Long-term Rate of Return on Assets 6.75% 7.00%
Supplemental Executive Retirement Plan [Member]
Defined Benefit Plan Disclosure [Line Items]
Schedule of Net Benefit Costs	The components of the net periodic benefit cost for the Company's Three Months Ended March 31, (Dollars in Thousands) 2021 2020 Service Cost $ 9 $ - Interest Cost $ 59 $ 72 Prior Service Cost Amortization 19 - Net Loss Amortization 198 247 Net Periodic Benefit Cost $ 285 $ 319 Discount Rate Used for Benefit Cost 2.38% 3.16%

COMMITMENTS AND CONTINGENCIES (

COMMITMENTS AND CONTINGENCIES (Tables)	3 Months Ended
	Mar. 31, 2021
Commitments and Contingencies [Abstract]
Schedule of amounts associated with the entities off-balance sheet obligations	March 31, 2021 December 31, 2020 (Dollars in Thousands) Fixed Variable Total Fixed Variable Total Commitments to Extend Credit $ 170,898 $ 599,387 $ 770,285 $ 160,372 $ 596,572 $ 756,944 Standby Letters of Credit 6,711 - 6,711 6,550 - 6,550 Total $ 177,609 $ 599,387 $ 776,996 $ 166,922 $ 596,572 $ 763,494 (1) Commitments include unfunded loans, revolving
Allowance for credit losses for off-balance sheet credit commitments	Three Months Ended March 31, (Dollars in Thousands) 2021 2020 Beginning Balance $ 1,644 $ 157 Impact of Adoption of ASC 326 - 876 Provision for Credit Losses 1,330 - Ending Balance $ 2,974 $ 1,033

FAIR VALUE MEASUREMENTS (Tables

FAIR VALUE MEASUREMENTS (Tables)	3 Months Ended
	Mar. 31, 2021
Fair Value measurements [Abstract]
Schedule of financial assets and financial liabilities measured at fair value on a recurring basis	Level 1 Level 2 Level 3 Total (Dollars in Thousands) Inputs Inputs Inputs Value March 31, 2021 ASSETS: Securities Available U.S. Government Treasury $ 173,116 $ - $ - $ 173,116 U.S. Government Agency - 221,530 - 221,530 States and Political Subdivisions - 4,308 - 4,308 Mortgage-Backed Securities - 496 - 496 Equity Securities (1) - 6,795 - 6,795 Loans Held for Sale - 82,081 - 82,081 Interest Rate Swap Derivative - 2,699 - 2,699 Mortgage Banking Hedge Derivative - 1,356 - 1,356 Mortgage Banking IRLC Derivative - - 2,982 2,982 Mortgage Servicing Rights - - 4,019 4,019 December 31, 2020 ASSETS: Securities Available U.S. Government Treasury $ 104,519 $ - $ - $ 104,519 U.S. Government Agency - 208,531 - 208,531 States and Political Subdivisions - 3,632 - 3,632 Mortgage-Backed Securities - 515 - 515 Equity Securities (1) - 7,673 - 7,673 Loans Held for Sale - 114,039 - 114,039 Interest Rate Swap Derivative - 574 - 574 Mortgage Banking IRLC Derivative - - 4,825 4,825 LIABILITIES: Mortgage Banking Hedge Derivative - 907 - 907 (1) Not readily marketable securities - reflected
Schedule of financial instruments with estimated fair values	March 31, 2021 Carrying Level 1 Level 2 Level 3 (Dollars in Thousands) Value Inputs Inputs Inputs ASSETS: Cash $ 73,973 $ 73,973 $ - $ - Short-Term 851,910 851,910 - - Investment Securities, Available 406,245 173,116 233,129 - Investment Securities, Held to Maturity 199,109 - 204,158 - Equity Securities (1) 3,588 - 3,588 - Loans Held for Sale 82,081 - 82,081 - Interest Rate Swap Derivative 2,699 - 2,699 - Mortgage Banking Hedge Derivative 1,356 - 1,356 - Mortgage Banking IRLC Derivative 2,982 - - 2,982 Mortgage Servicing Rights 3,583 - - 4,019 Loans, Net of Allowance for Credit Losses 2,035,701 - - 2,036,010 LIABILITIES: Deposits $ 3,358,108 $ - $ 3,358,015 $ - Short-Term 55,687 - 55,687 - Subordinated Notes Payable 52,887 - 43,038 - Long-Term Borrowings 1,829 - 1,927 - December 31, 2020 Carrying Level 1 Level 2 Level 3 (Dollars in Thousands) Value Inputs Inputs Inputs ASSETS: Cash $ 67,919 $ 67,919 $ - $ - Short-Term 860,630 860,630 - - Investment Securities, Available 324,870 104,519 220,351 - Investment Securities, Held to Maturity 169,939 5,014 170,161 - Loans Held for Sale 114,039 - 114,039 - Equity Securities (1) 3,589 - 3,589 - Interest Rate Swap Derivative 574 - 574 - Mortgage Banking IRLC Derivative 4,825 - - 4,825 Mortgage Servicing Rights 3,452 - - 3,451 Loans, Net of Allowance for Credit Losses 1,982,610 - - 1,990,740 LIABILITIES: Deposits $ 3,217,560 $ - $ 3,217,615 $ - Short-Term 79,654 - 79,654 - Subordinated Notes Payable 52,887 - 43,449 - Long-Term Borrowings 3,057 - 3,174 - Mortgage Banking Hedge Derivative 907 - 907 - (1)

OTHER COMPREHENSIVE INCOME (Tab

OTHER COMPREHENSIVE INCOME (Tables)	3 Months Ended
	Mar. 31, 2021
Other comprehensive income [Abstract]
Schedule of activity in accumulated other comprehensive loss, net of tax	Accumulated Securities Other Available Interest Rate Retirement Comprehensive (Dollars in Thousands) Swap Plans Balance as of January 1, 2021 $ 2,700 $ 428 $ (47,270) $ (44,142) Other comprehensive income during the period (1,458) 1,587 142 271 Balance as of March 31, 2021 $ 1,242 $ 2,015 $ (47,128) $ (43,871) Balance as of January 1, 2020 $ 864 $ - $ (29,045) $ (28,181) Other comprehensive income during the period 2,648 - - 2,648 Balance as of March 31, 2020 $ 3,512 $ - $ (29,045) $ (25,533)

INVESTMENT SECURITIES (Investme

INVESTMENT SECURITIES (Investment Portfolio Composition) (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Available-for-sale
Amortized Cost	$ 404,526	$ 321,191
Unrealized Gains	2,776	3,863
Unrealized Losses	1,057	184
Market Value	406,245	324,870
Federal Home Loan Bank	2,000	2,900
Federal Reserve Bank stock	4,800	4,800
Held to Maturity
Amortized Cost	199,109	169,939
Unrealized Gains	5,358	5,236
Unrealized Losses	309	0
Market Value	204,158	175,175
Total
Amortized Cost	603,635	491,130
Unrealized Gain	8,134	9,099
Unrealized Loss	1,366	184
Fair Value	610,403	500,045
U.S. Government Treasury [Member]
Available-for-sale
Amortized Cost	173,029	103,547
Unrealized Gains	551	972
Unrealized Losses	464	0
Market Value	173,116	104,519
Held to Maturity
Amortized Cost	0	5,001
Unrealized Gains	0	13
Unrealized Losses	0	0
Market Value	0	5,014
U.S. Government Agency [Member]
Available-for-sale
Amortized Cost	220,018	205,972
Unrealized Gains	2,096	2,743
Unrealized Losses	584	184
Market Value	221,530	208,531
States and Political Subdivisions [Member]
Available-for-sale
Amortized Cost	4,244	3,543
Unrealized Gains	73	89
Unrealized Losses	9	0
Market Value	4,308	3,632
Mortgage-Backed Securities [Member]
Available-for-sale
Amortized Cost	440	456
Unrealized Gains	56	59
Unrealized Losses	0	0
Market Value	496	515
Held to Maturity
Amortized Cost	199,109	164,938
Unrealized Gains	5,358	5,223
Unrealized Losses	309	0
Market Value	204,158	170,161
Equity Securities [Member]
Available-for-sale
Amortized Cost	6,795	7,673
Unrealized Gains	0	0
Unrealized Losses	0	0
Market Value	$ 6,795	$ 7,673

INVESTMENT SECURITIES (Maturity

INVESTMENT SECURITIES (Maturity Distribution) (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Amortized Cost
Due in one year or less	$ 77,464
Due after one through five years	138,352
Due after five year through ten years	989
Total Investment Securities	404,526
Market Value
Due in one year or less	77,741
Due after one through five years	137,981
Due after five year through ten years	989
Total Investment Securities	406,245
Amortized Cost
Due in one year or less	0
Due after one through five years	0
Due after five year through ten years	0
Total Investment Securities	199,109	$ 169,939
Market Value
Due in one year or less	0
Due after five year through ten years	0
Due after five year through ten years	0
Total Investment Securities	204,158	175,175
Mortgage-Backed Securities [Member]
Amortized Cost
Due without single maturity date	440
Market Value
Due without single maturity date	496
Amortized Cost
Due without single maturity date	199,109
Total Investment Securities	199,109	164,938
Market Value
Due without single maturity date	204,158
Total Investment Securities	204,158	$ 170,161
U.S. Government Agency [Member]
Amortized Cost
Due without single maturity date	180,486
Market Value
Due without single maturity date	182,243
Amortized Cost
Due without single maturity date	0
Market Value
Due without single maturity date	0
Equity Securities [Member]
Amortized Cost
Due without single maturity date	6,795
Market Value
Due without single maturity date	6,795
Amortized Cost
Due without single maturity date	0
Market Value
Due without single maturity date	$ 0

INVESTMENT SECURITIES (Unrealiz

INVESTMENT SECURITIES (Unrealized Losses on Investment Securities) (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Available-for-sale securities
Less Than 12 Months, Market Value	$ 129,951	$ 28,266
Less Than 12 Months, Unrealized Losses	1,027	156
Greater Than 12 Months, Market Value	4,778	4,670
Greater Than 12 Months, Unrealized Losses	30	28
Total Market Value	134,729	32,936
Total Unrealized Losses	1,057	184
Held-to-maturity, Debt Securities
Less Than 12 Months, Market Value	20,550
Less Than 12 Months, Unrealized Losses	309
Greater Than 12 Months, Market Value	0
Greater Than 12 Months, Unrealized Losses	0
Total Market Value	20,550
Total Unrealized Losses	309
U.S. Government Treasury [Member]
Available-for-sale securities
Less Than 12 Months, Market Value	65,577
Less Than 12 Months, Unrealized Losses	464
Greater Than 12 Months, Market Value	0
Greater Than 12 Months, Unrealized Losses	0
Total Market Value	65,577
Total Unrealized Losses	464
U.S. Government Agency [Member]
Available-for-sale securities
Less Than 12 Months, Market Value	63,630	28,266
Less Than 12 Months, Unrealized Losses	554	156
Greater Than 12 Months, Market Value	4,778	4,670
Greater Than 12 Months, Unrealized Losses	30	28
Total Market Value	68,408	32,936
Total Unrealized Losses	584	$ 184
States and Political Subdivisions [Member]
Available-for-sale securities
Less Than 12 Months, Market Value	744
Less Than 12 Months, Unrealized Losses	9
Greater Than 12 Months, Market Value	0
Greater Than 12 Months, Unrealized Losses	0
Total Market Value	744
Total Unrealized Losses	9
Mortgage-Backed Securities [Member]
Held-to-maturity, Debt Securities
Less Than 12 Months, Market Value	20,550
Less Than 12 Months, Unrealized Losses	309
Greater Than 12 Months, Market Value	0
Greater Than 12 Months, Unrealized Losses	0
Total Market Value	20,550
Total Unrealized Losses	$ 309

INVESTMENT SECURITIES (Narrativ

INVESTMENT SECURITIES (Narrative) (Details)	Mar. 31, 2021USD ($)Investment_Positions	Dec. 31, 2020USD ($)	Mar. 31, 2020USD ($)	Dec. 31, 2019USD ($)
Investments Securities [Abstract]
Securities pledged to secure public deposits	$ 351,100,000	$ 308,200,000
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale Securities and Held-to-maturity investments in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions, Total | Investment_Positions	89
Available-for-sale Securities and Held-To-Maturity, Continuous Unrealized Loss Position Fair Value, Total	$ 1,400,000
Financing Receivable, Allowance for Credit Loss	22,026,000	23,816,000	$ 21,083,000	$ 13,905,000
Nonaccrual	5,362,000	$ 5,871,000
AFS and HTM [Member]
Schedule of Available-for-sale Securities [Line Items]
Nonaccrual	$ 0
U.S. Government Agency [Member]
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale Securities and Held-to-maturity investments in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions, Total | Investment_Positions	87
Investment securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Financing Receivable, Allowance for Credit Loss	$ 0
Municipal securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale Securities and Held-to-maturity investments in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions, Total | Investment_Positions	2

LOANS HELD FOR INVESTMENT AND_3

LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Portfolio Composition) (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Loan Portfolio Composition
Loans Held for Investment	$ 2,057,727	$ 2,006,426
Net deferred fees	1,600
Commercial, Financial and Agricultural [Member]
Loan Portfolio Composition
Loans Held for Investment	413,819	393,930
Real Estate - Construction [Member]
Loan Portfolio Composition
Loans Held for Investment	138,104	135,831
Real Estate - Commercial Mortgage [Member]
Loan Portfolio Composition
Loans Held for Investment	669,158	648,393
Real Estate - Residential [Member]
Loan Portfolio Composition
Loans Held for Investment	365,931	352,543
Loans in Process with outstanding balances	8,300	10,900
Real Estate - Home Equity [Member]
Loan Portfolio Composition
Loans Held for Investment	202,099	205,479
Consumer [Member]
Loan Portfolio Composition
Loans Held for Investment	268,616	270,250
Overdraft Balances	$ 900	$ 700

LOANS HELD FOR INVESTMENT AND_4

LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Activity in the allowance for credit losses) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	$ 23,816	$ 13,905
Provision for credit losses	(2,312)	4,990
Charge-Offs	(1,136)	(2,080)
Recoveries	1,658	999
Net Charge-Offs	522	(1,081)
Ending Balance	22,026	21,083
Impact of Adoption of ASC 326 [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance		3,269
Commercial, Financial and Agricultural [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	2,204	1,675
Provision for credit losses	(314)	406
Charge-Offs	(69)	(362)
Recoveries	136	40
Net Charge-Offs	67	(322)
Ending Balance	1,957	2,247
Commercial, Financial and Agricultural [Member] | Impact of Adoption of ASC 326 [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance		488
Real Estate - Construction [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	2,479	370
Provision for credit losses	(225)	567
Charge-Offs	0	0
Recoveries	0	0
Net Charge-Offs	0	0
Ending Balance	2,254	1,239
Real Estate - Construction [Member] | Impact of Adoption of ASC 326 [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance		302
Real Estate - Commercial Mortgage [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	7,029	3,416
Provision for credit losses	(718)	774
Charge-Offs	0	(11)
Recoveries	645	191
Net Charge-Offs	645	180
Ending Balance	6,956	5,828
Real Estate - Commercial Mortgage [Member] | Impact of Adoption of ASC 326 [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance		1,458
Real Estate - Residential [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	5,440	3,128
Provision for credit losses	(305)	1,704
Charge-Offs	(6)	(110)
Recoveries	75	40
Net Charge-Offs	69	(70)
Ending Balance	5,204	6,005
Real Estate - Residential [Member] | Impact of Adoption of ASC 326 [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance		1,243
Real Estate - Home Equity [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	3,111	2,224
Provision for credit losses	(655)	101
Charge-Offs	(5)	(31)
Recoveries	124	33
Net Charge-Offs	119	2
Ending Balance	2,575	2,701
Real Estate - Home Equity [Member] | Impact of Adoption of ASC 326 [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance		374
Consumer [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	3,553	3,092
Provision for credit losses	(95)	1,438
Charge-Offs	(1,056)	(1,566)
Recoveries	678	695
Net Charge-Offs	(378)	(871)
Ending Balance	$ 3,080	3,063
Consumer [Member] | Impact of Adoption of ASC 326 [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance		$ (596)

LOANS HELD FOR INVESTMENT AND_5

LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Loan Portfolio Aging) (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loans	$ 5,362	$ 5,871
Total Loans	2,057,727	2,006,426
Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	2,622	4,594
Total Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	2,049,743	1,995,961
30-59 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	2,159	2,743
60-89 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	463	1,851
90 +DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	0	0
Commercial, Financial and Agricultural [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	413,819
Nonaccrual loans	150	161
Total Loans	413,819	393,930
Commercial, Financial and Agricultural [Member] | Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	113	318
Commercial, Financial and Agricultural [Member] | Total Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	413,556	393,451
Commercial, Financial and Agricultural [Member] | 30-59 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	55	194
Commercial, Financial and Agricultural [Member] | 60-89 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	58	124
Commercial, Financial and Agricultural [Member] | 90 +DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	0	0
Real Estate - Construction [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	138,104
Nonaccrual loans	179	179
Total Loans	138,104	135,831
Real Estate - Construction [Member] | Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	565	717
Real Estate - Construction [Member] | Total Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	137,360	134,935
Real Estate - Construction [Member] | 30-59 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	565	0
Real Estate - Construction [Member] | 60-89 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	0	717
Real Estate - Construction [Member] | 90 +DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	0	0
Real Estate - Commercial Mortgage [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	669,158
Nonaccrual loans	1,256	1,412
Total Loans	669,158	648,393
Real Estate - Commercial Mortgage [Member] | Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	183	293
Real Estate - Commercial Mortgage [Member] | Total Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	667,719	646,688
Real Estate - Commercial Mortgage [Member] | 30-59 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	183	293
Real Estate - Commercial Mortgage [Member] | 60-89 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	0	0
Real Estate - Commercial Mortgage [Member] | 90 +DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	0	0
Real Estate - Residential [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	365,931
Nonaccrual loans	3,150	3,130
Total Loans	365,931	352,543
Real Estate - Residential [Member] | Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	515	905
Real Estate - Residential [Member] | Total Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	362,266	348,508
Real Estate - Residential [Member] | 30-59 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	289	375
Real Estate - Residential [Member] | 60-89 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	226	530
Real Estate - Residential [Member] | 90 +DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	0	0
Real Estate - Home Equity [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	202,099
Nonaccrual loans	462	695
Total Loans	202,099	205,479
Real Estate - Home Equity [Member] | Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	355	463
Real Estate - Home Equity [Member] | Total Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	201,282	204,321
Real Estate - Home Equity [Member] | 30-59 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	355	325
Real Estate - Home Equity [Member] | 60-89 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	0	138
Real Estate - Home Equity [Member] | 90 +DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	0	0
Consumer [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	268,616
Nonaccrual loans	165	294
Total Loans	268,616	270,250
Consumer [Member] | Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	891	1,898
Consumer [Member] | Total Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	267,560	268,058
Consumer [Member] | 30-59 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	712	1,556
Consumer [Member] | 60-89 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	179	342
Consumer [Member] | 90 +DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	$ 0	$ 0

LOANS HELD FOR INVESTMENT AND_6

LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Recorded Investment In Nonaccrual and Past Due Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual, with ACL	$ 2,796	$ 3,283
Nonaccrual With No Allowance Credit Loss	2,566	2,588
90+ Days Still Accruing	0	0
Commercial, Financial and Agricultural [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual, with ACL	150	161
Nonaccrual With No Allowance Credit Loss	0	0
90+ Days Still Accruing	0	0
Real Estate - Construction [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual, with ACL	179	179
Nonaccrual With No Allowance Credit Loss	0	0
90+ Days Still Accruing	0	0
Real Estate - Commercial Mortgage [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual, with ACL	199	337
Nonaccrual With No Allowance Credit Loss	1,057	1,075
90+ Days Still Accruing	0	0
Real Estate - Residential [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual, with ACL	1,641	1,617
Nonaccrual With No Allowance Credit Loss	1,509	1,513
90+ Days Still Accruing	0	0
Real Estate - Home Equity [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual, with ACL	462	695
Nonaccrual With No Allowance Credit Loss	0	0
90+ Days Still Accruing	0	0
Consumer [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual, with ACL	165	294
Nonaccrual With No Allowance Credit Loss	0	0
90+ Days Still Accruing	$ 0	$ 0

LOANS HELD FOR INVESTMENT AND_7

LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Collateral-dependent loans) (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Loans and Leases Receivable Disclosure [Line Items]
Collateral-dependent loans	$ 4,000	$ 7,100
Real estate secured [Member]
Loans and Leases Receivable Disclosure [Line Items]
Collateral-dependent loans	3,949	7,141
Non real estate secured [Member]
Loans and Leases Receivable Disclosure [Line Items]
Collateral-dependent loans	29	29
Commercial, Financial and Agricultural [Member] | Real estate secured [Member]
Loans and Leases Receivable Disclosure [Line Items]
Collateral-dependent loans	0	0
Commercial, Financial and Agricultural [Member] | Non real estate secured [Member]
Loans and Leases Receivable Disclosure [Line Items]
Collateral-dependent loans	0	0
Real Estate - Commercial Mortgage [Member] | Real estate secured [Member]
Loans and Leases Receivable Disclosure [Line Items]
Collateral-dependent loans	1,113	3,900
Real Estate - Commercial Mortgage [Member] | Non real estate secured [Member]
Loans and Leases Receivable Disclosure [Line Items]
Collateral-dependent loans	0	0
Real Estate - Residential [Member] | Real estate secured [Member]
Loans and Leases Receivable Disclosure [Line Items]
Collateral-dependent loans	2,537	3,022
Real Estate - Residential [Member] | Non real estate secured [Member]
Loans and Leases Receivable Disclosure [Line Items]
Collateral-dependent loans	0	0
Real Estate - Home Equity [Member] | Real estate secured [Member]
Loans and Leases Receivable Disclosure [Line Items]
Collateral-dependent loans	299	219
Real Estate - Home Equity [Member] | Non real estate secured [Member]
Loans and Leases Receivable Disclosure [Line Items]
Collateral-dependent loans	0	0
Consumer [Member] | Real estate secured [Member]
Loans and Leases Receivable Disclosure [Line Items]
Collateral-dependent loans	0	0
Consumer [Member] | Non real estate secured [Member]
Loans and Leases Receivable Disclosure [Line Items]
Collateral-dependent loans	$ 29	$ 29

LOANS HELD FOR INVESTMENT AND_8

LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Loans held for investment by years of origination) (Details) $ in Thousands	Mar. 31, 2021USD ($)
Commercial, Financial and Agricultural [Member]
Financing Receivable, Recorded Investment [Line Items]
2021	$ 77,066
2020	188,700
2019	41,870
2018	32,998
2017	12,834
Prior	21,765
Revolving Loans	38,586
Total	413,819
Real Estate - Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
2021	14,429
2020	80,577
2019	31,776
2018	6,301
2017	1,570
Prior	0
Revolving Loans	3,451
Total	138,104
Real Estate - Commercial Mortgage [Member]
Financing Receivable, Recorded Investment [Line Items]
2021	37,039
2020	163,186
2019	109,780
2018	130,354
2017	76,295
Prior	127,786
Revolving Loans	24,718
Total	669,158
Real Estate - Residential [Member]
Financing Receivable, Recorded Investment [Line Items]
2021	42,692
2020	93,693
2019	61,300
2018	41,302
2017	38,520
Prior	82,134
Revolving Loans	6,290
Total	365,931
Real Estate - Home Equity [Member]
Financing Receivable, Recorded Investment [Line Items]
2021	39
2020	62
2019	358
2018	238
2017	767
Prior	2,247
Revolving Loans	198,388
Total	202,099
Real Estate - Home Equity [Member] | Performing Financial Instruments [Member]
Financing Receivable, Recorded Investment [Line Items]
2021	39
2020	62
2019	358
2018	238
2017	767
Prior	2,247
Revolving Loans	197,926
Total	201,637
Real Estate - Home Equity [Member] | Nonperforming Financial Instruments [Member]
Financing Receivable, Recorded Investment [Line Items]
2021	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving Loans	462
Total	462
Consumer [Member]
Financing Receivable, Recorded Investment [Line Items]
2021	30,721
2020	97,478
2019	61,593
2018	44,131
2017	20,304
Prior	9,534
Revolving Loans	4,855
Total	268,616
Consumer [Member] | Performing Financial Instruments [Member]
Financing Receivable, Recorded Investment [Line Items]
2021	30,721
2020	97,423
2019	61,532
2018	44,126
2017	20,292
Prior	9,502
Revolving Loans	4,855
Total	268,451
Consumer [Member] | Nonperforming Financial Instruments [Member]
Financing Receivable, Recorded Investment [Line Items]
2021	0
2020	55
2019	61
2018	5
2017	12
Prior	32
Revolving Loans	0
Total	165
Pass [Member] | Commercial, Financial and Agricultural [Member]
Financing Receivable, Recorded Investment [Line Items]
2021	77,066
2020	188,688
2019	41,681
2018	32,674
2017	12,792
Prior	21,622
Revolving Loans	38,528
Total	413,051
Pass [Member] | Real Estate - Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
2021	13,786
2020	80,577
2019	29,221
2018	6,301
2017	1,570
Prior	0
Revolving Loans	3,451
Total	134,906
Pass [Member] | Real Estate - Commercial Mortgage [Member]
Financing Receivable, Recorded Investment [Line Items]
2021	35,435
2020	158,436
2019	100,143
2018	115,971
2017	69,848
Prior	111,707
Revolving Loans	24,321
Total	615,861
Pass [Member] | Real Estate - Residential [Member]
Financing Receivable, Recorded Investment [Line Items]
2021	42,559
2020	92,152
2019	58,624
2018	39,575
2017	37,006
Prior	78,360
Revolving Loans	6,290
Total	354,566
Special Mention [Member] | Commercial, Financial and Agricultural [Member]
Financing Receivable, Recorded Investment [Line Items]
2021	0
2020	0
2019	189
2018	39
2017	4
Prior	55
Revolving Loans	0
Total	287
Special Mention [Member] | Real Estate - Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
2021	643
2020	0
2019	2,376
2018	0
2017	0
Prior	0
Revolving Loans	0
Total	3,019
Special Mention [Member] | Real Estate - Commercial Mortgage [Member]
Financing Receivable, Recorded Investment [Line Items]
2021	0
2020	4,161
2019	6,040
2018	14,296
2017	4,618
Prior	13,143
Revolving Loans	397
Total	42,655
Special Mention [Member] | Real Estate - Residential [Member]
Financing Receivable, Recorded Investment [Line Items]
2021	0
2020	139
2019	23
2018	124
2017	173
Prior	535
Revolving Loans	0
Total	994
Substandard [Member] | Commercial, Financial and Agricultural [Member]
Financing Receivable, Recorded Investment [Line Items]
2021	0
2020	12
2019	0
2018	285
2017	38
Prior	88
Revolving Loans	58
Total	481
Substandard [Member] | Real Estate - Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
2021	0
2020	0
2019	179
2018	0
2017	0
Prior	0
Revolving Loans	0
Total	179
Substandard [Member] | Real Estate - Commercial Mortgage [Member]
Financing Receivable, Recorded Investment [Line Items]
2021	1,604
2020	589
2019	3,597
2018	87
2017	1,829
Prior	2,936
Revolving Loans	0
Total	10,642
Substandard [Member] | Real Estate - Residential [Member]
Financing Receivable, Recorded Investment [Line Items]
2021	133
2020	1,402
2019	2,653
2018	1,603
2017	1,341
Prior	3,239
Revolving Loans	0
Total	$ 10,371

LOANS HELD FOR INVESTMENT AND_9

LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES, (Narratives) (Details) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2021USD ($)Contracts	Mar. 31, 2020USD ($)Contracts	Dec. 31, 2020USD ($)	Dec. 31, 2019USD ($)
Financing Receivable, Allowance for Credit Loss	$ 22,026	$ 21,083	$ 23,816	$ 13,905
Provision for credit losses	(2,312)	4,990
Net loan charge-offs	522	$ (1,081)
Change in financing receivable allowance	(1,800)
Accrued interest receivable	7,200		6,900
TDRs	14,300		14,300
TDRs performing in accordance with modified terms	13,600		13,900
Estimated loan loss reserves	700		600
Real estate loans for which formal foreclosure proceedings were in process	$ 1,200		1,600
Number of Contracts | Contracts	2	1
Number of loan contracts classified as TDRs | Contracts	0	2
TDRs, for which there was a payment default and the loans were modified within the twelve months prior to default		$ 100
Loan modified with a recorded investment	$ 400	$ 200
Net deferred fees	1,600
Loans and Leases Receivable net deferred costs			$ 100
CCHL [Member]
Payments to Purchase Mortgage Loans Held-for-sale	$ 22,200
Impact of Adoption of ASC 326 [Member]
Financing Receivable, Allowance for Credit Loss				$ 3,269

MORTGAGE BANKING ACTIVITIES (Un

MORTGAGE BANKING ACTIVITIES (Unpaid principal balance of residential mortgage loans) (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Other assets	$ 105,290	$ 101,370
Other liabilities	109,487	102,076
Loans held for sale, at fair value	82,081	114,039
Residential Mortgage [Member]
Loans held-for-sale	79,903	109,831
Loans held for sale, at fair value	82,081	114,039
Fair value	86,419	117,957
Residential Mortgage [Member] | Loan Commitments (IRLCs) [Member]
Other assets	144,155	147,494
Other assets fair value	2,982	4,825
Residential Mortgage [Member] | Forward Sales Contracts [Member]
Other liabilities	137,500	158,500
Other assets fair value	$ 1,356
Other liabilities at fair value		$ (907)

MORTGAGE BANKING ACTIVITIES (Mo

MORTGAGE BANKING ACTIVITIES (Mortgage banking revenue) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Mortgage Servicing Rights Additions	$ 187
Mortgage banking [Member]
Net Realized Gains on Sales of Mortgage Loans	14,424	$ 3,407
Net Change in Unrealized Gain on Mortgage Loans Held for Sale	(2,031)	738
Net Change in the Fair Value of Mortgage Loan Commitments (IRLCs)	(1,843)	1,655
Net Change in the Fair Value of Forward Sales Contracts	2,263	(1,394)
Pair-Offs on Net Settlement of Forward Sales Contracts	3,310	(1,376)
Mortgage Servicing Rights Additions	187	0
Net orignination fees	815	223
Total mortgage banking revenues	$ 17,125	$ 3,253

MORTGAGE BANKING ACTIVITIES (Su

MORTGAGE BANKING ACTIVITIES (Summary of mortgage servicing rights) (Details) - Residential Mortgage [Member] $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2021USD ($)Contracts	Dec. 31, 2020USD ($)Contracts
Servicing Assets at Fair Value [Line Items]
Number of residential mortgage loans serviced for others | Contracts	1,800	1,796
Outstanding principal balance of residential mortgage loans serviced for others | $	$ 454,382	$ 456,135
Weighted average interest rate	3.62%	3.64%
Remaining contractual term (in months)	320 months	321 months

MORTGAGE BANKING ACTIVITIES (Ca

MORTGAGE BANKING ACTIVITIES (Capitalized mortgage servicing rights) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Servicing Asset at Fair Value, Amount [Roll Forward
Beginning Balance	$ 3,452	$ 910
Additions due to loans sold with servicing retained	187	25
Deletions and amortization	(306)	(25)
Valuation Provision (temporary impairment)	250	0
Ending Balance	$ 3,583	$ 910

MORTGAGE BANKING ACTIVITIES (ke

MORTGAGE BANKING ACTIVITIES (key unobservable inputs used in determining the fair value) (Details) - $ / LoanContracts	3 Months Ended	12 Months Ended
	Mar. 31, 2021	Dec. 31, 2020
Maximum [Member]
Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value [Abstract]
Discount Rates	15.00%	15.00%
Annual prepayment speeds	24.96%	23.64%
Cost of Servicing (per loan)	110	110
Minimum [Member]
Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value [Abstract]
Discount Rates	11.00%	11.00%
Annual prepayment speeds	9.60%	13.08%
Cost of Servicing (per loan)	90	90

MORTGAGE BANKING ACTIVITIES (Wa

MORTGAGE BANKING ACTIVITIES (Warehouse Line Borrowings) (Details) - Warehouse Line Borrowings [Member] $ in Thousands	3 Months Ended
	Mar. 31, 2021USD ($)
Short-term Debt [Line Items]
Line of credit outstanding	$ 48,813
Line of credit agreement expiring Ocotber 2020 [Member]
Short-term Debt [Line Items]
Line of Credit Facility, Maximum Borrowing Capacity	$ 25,000
Debt Instrument, Description of Variable Rate Basis	Interest is at LIBOR plus 2.25%
Debt Instrument, Basis Spread on Variable Rate	2.25%
Floor rate	3.50%
Line of credit outstanding	$ 7,788
Cash pledge deposit	$ 100
Line of Credit Facility, Expiration Date	Oct. 31, 2021
Master Repurchase Agreement [Member]
Short-term Debt [Line Items]
Line of Credit Facility, Maximum Borrowing Capacity	$ 50,000
Debt Instrument, Description of Variable Rate Basis	Interest is at the LIBOR plus 2.24% to 3.00%
Floor rate	3.25%
Line of credit outstanding	$ 27,622
Cash pledge deposit	$ 500
Master Repurchase Agreement [Member] | Maximum [Member]
Short-term Debt [Line Items]
Debt Instrument, Basis Spread on Variable Rate	3.00%
Master Repurchase Agreement [Member] | Minimum [Member]
Short-term Debt [Line Items]
Debt Instrument, Basis Spread on Variable Rate	2.24%
Line of credit expiring September 2020 [Member]
Short-term Debt [Line Items]
Line of Credit Facility, Maximum Borrowing Capacity	$ 50,000
Debt Instrument, Description of Variable Rate Basis	Interest is at the LIBOR plus 2.75%
Debt Instrument, Basis Spread on Variable Rate	2.75%
Line of credit outstanding	$ 13,403
Line of Credit Facility, Expiration Date	Sep. 30, 2021
Line of credit expiring September 30, 2021 [Member]
Short-term Debt [Line Items]
Floor rate	3.25%

MORTGAGE BANKING ACTIVITIES (Na

MORTGAGE BANKING ACTIVITIES (Narrative) (Details) - USD ($)	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020	Dec. 31, 2020
Mortgage Banking Activities [Abstract]
Residential mortgage loans held for sale that were 90 days or more outstanding	$ 400,000		$ 600,000
Percentage of FNMA loan type of total loans serviced	63.00%
Percentage of GNMA loan type of total loans serviced	11.00%
Percentage of Private Investor loan type of total loans serviced	26.00%
Weighted average prepayment speed	14.16%		17.10%
Warehouse lines of credit extended to CCHL	$ 50,000,000
Interest in CCHL subsidiary entity	51.00%
Balance of lines of credit receivable from CCHL	$ 29,700,000
Mortgage Servicing Rights (MSR) Impairment (Recovery)	0	$ 0
Government National Mortgage Association (GNMA) [Member] | Delinquent or defaulted mortgage loans [Member]
Servicing Asset at Amortized Cost [Line Items]
Servicing Asset at Amortized Cost	2,900,000		$ 4,900,000
Payments to Acquire Mortgage Servicing Rights (MSR)	$ 1,500,000

DERIVATIVES (Cash flow hedges i

DERIVATIVES (Cash flow hedges included in the Consolidated Statement of Financial Condition) (Details) - Interest rate swaps related to subordinated debt [Member] - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2021	Dec. 31, 2020
Derivatives, Fair Value [Line Items]
Notional Amount	$ 30,000	$ 30,000
Fair Value	$ 2,699	$ 574
Weighted average rate paid (fixed)	2.50%
Weighted average maturity years	9 years 3 months 18 days	9 years 6 months
LIBOR plus a weighted average margin	1.83%

DERIVATIVES (Net gains (losses)

DERIVATIVES (Net gains (losses) recorded in accumulated other comprehensive income) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Dec. 31, 2020
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Collateral liability	$ 2,600	$ 500
Interest rate product [Member]
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Amount of Gain (Loss) Recognized in AOCI	1,587
Amount of Gain (Loss) Reclassified from AOCI to Income	(33)
Interest Rate Cash Flow Hedge Gain (Loss) to be Reclassified During Next 12 Months, Net	$ 100

LEASES (Narrative) (Details)

LEASES (Narrative) (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2021USD ($)BankingOffices
Lesse lease description [Line Items]
Lessee operating lease term of contract	15 years
Lesse operating lease description	Operating leases with an initial term of 12 months or less are not recorded on the balance sheet and the related lease expense is recognized on a straight-line basis over the lease term.
Operating lease right of use asset	$ 11,800
Operating lease liabilties	$ 12,553
Lessee, Operating Lease, Lease Not yet Commenced, Description	Payments for the banking offices are expected to commence after the construction period ends, which is expected to occur during the second quarter of 2022 and the third quarter of 2022.
Operating lease liabilities, not yet commenced	$ 4,800
Number of offices to lease | BankingOffices	2
Lease payment transaction [Member]
Lesse lease description [Line Items]
Operating lease liabilties	$ 700
Operating lease, minimum annual payment	$ 200
Minimum [Member]
Lesse lease description [Line Items]
Remaining lease terms	1 year
Maximum [Member]
Lesse lease description [Line Items]
Remaining lease terms	45 years

LEASES (Lease expense and other

LEASES (Lease expense and other information related to operating leases) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Lease expenses:
Operating lease expense	$ 344	$ 156
Short term lease expense	140	79
Total lease expense	484	235
Other information related to leases [Abstract]
Operating cash flows from operating leases	385	160
Right-of-use assets obtained in exchange for new operating lease liabilities	$ 75	$ 5,092
Weighted-average remaining lease term - operating leases (in years)	25 years 6 months	15 years 4 months 24 days
Weighted-average discount rate - operating leases	2.10%	2.40%

LEASES (Maturity of remaining l

LEASES (Maturity of remaining lease liabilities) (Details) $ in Thousands	Mar. 31, 2021USD ($)
Summary of the maturity of remaining lease liabilities:
2021	$ 1,158
2022	1,389
2023	995
2024	945
2025	771
2026 and thereafter	11,132
Total	16,390
Less: Interest	(3,837)
Present Value of Lease Liabilities	$ 12,553

EMPLOYEE BENEFIT PLANS (Compone

EMPLOYEE BENEFIT PLANS (Components of the net periodic benefit cost) (Details) - USD ($)	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Defined Benefit Pension Plan [Member]
Components of Net Periodic Benefit Costs:
Service Cost	$ 1,743,000	$ 1,457,000
Interest Cost	1,221,000	1,411,000
Expected Return on Plan Assets	(2,787,000)	(2,748,000)
Prior Service Cost Amortization	4,000	4,000
Net Loss Amortization	1,691,000	1,011,000
Special Termination Charge	0	61,000
Net Periodic Benefit Cost	$ 1,872,000	$ 1,196,000
Discount Rate Used for Benefit Cost	2.88%	3.53%
Long-Term Rate of Return on Assets	6.75%	7.00%
Supplemental Executive Retirement Plan [Member]
Components of Net Periodic Benefit Costs:
Service Cost	$ 9,000	$ 0
Interest Cost	59,000	72,000
Prior Service Cost Amortization	19,000	0
Net Loss Amortization	198,000	247,000
Net Periodic Benefit Cost	$ 285,000	$ 319,000
Discount Rate Used for Benefit Cost	2.38%	3.16%

COMMITMENTS AND CONTINGENCIES_2

COMMITMENTS AND CONTINGENCIES (Company's off-balance sheet obligations) (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Loss Contingencies [Line Items]
Fixed	$ 177,609	$ 166,922
Variable	599,387	596,572
Total	776,996	763,494
Commitments to Extend Credit [Member]
Loss Contingencies [Line Items]
Fixed	170,898	160,372
Variable	599,387	596,572
Total	770,285	756,944
Standby Letters of Credit [Member]
Loss Contingencies [Line Items]
Fixed	6,711	6,550
Variable	0	0
Total	$ 6,711	$ 6,550

COMMITMENTS AND CONTINGENCIES_3

COMMITMENTS AND CONTINGENCIES (Allowance for credit losses for off-balance sheet credit commitments) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Beginning Balance	$ 1,644	$ 157
Provision for Credit Losses	1,330	0
Ending Balance	2,974	1,033
Adoption of ASC 326 [Member]
Beginning Balance	$ 0	$ 876

COMMITMENTS AND CONTINGENCIES N

COMMITMENTS AND CONTINGENCIES Narratives (Details) - USD ($)	3 Months Ended
	Mar. 31, 2021	Dec. 31, 2020	Mar. 31, 2020	Dec. 31, 2019
Loss Contingencies [Line Items]
Loss Contingency Quarterly Accrual Payments until settled	$ 200,000
Off-Balance Sheet, Credit Loss, Liability	$ 2,974,000	$ 1,644,000	$ 1,033,000	$ 157,000

FAIR VALUE MEASUREMENTS (Summar

FAIR VALUE MEASUREMENTS (Summary of fair values for assets and liabilities) (Details) - Fair Value, Measurements, Recurring [Member] - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Interest Rate Swap Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure	$ 2,699	$ 574
Mortgage Banking Hedge Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure	1,356	0
LIABILITIES:
Financial Liabilities Fair Value Disclosure		(907)
Mortgage Banking IRLC Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure	2,982	4,825
Loans held for sale [Member]
ASSETS:
Assets, Fair Value Disclosure	82,081	114,039
Mortgage Servicing Rights [Member]
ASSETS:
Assets, Fair Value Disclosure	4,019
U.S. Government Treasury [Member]
ASSETS:
Assets, Fair Value Disclosure	173,116	104,519
U.S. Government Agency [Member]
ASSETS:
Assets, Fair Value Disclosure	221,530	208,531
States and Political Subdivisions [Member]
ASSETS:
Assets, Fair Value Disclosure	4,308	3,632
Mortgage-Backed Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	496	515
Equity Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	6,795	7,673
Level 1 Inputs [Member] | Interest Rate Swap Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Level 1 Inputs [Member] | Mortgage Banking Hedge Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
LIABILITIES:
Financial Liabilities Fair Value Disclosure		0
Level 1 Inputs [Member] | Mortgage Banking IRLC Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Level 1 Inputs [Member] | Loans held for sale [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Level 1 Inputs [Member] | Mortgage Servicing Rights [Member]
ASSETS:
Assets, Fair Value Disclosure	0
Level 1 Inputs [Member] | U.S. Government Treasury [Member]
ASSETS:
Assets, Fair Value Disclosure	173,116	104,519
Level 1 Inputs [Member] | U.S. Government Agency [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Level 1 Inputs [Member] | States and Political Subdivisions [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Level 1 Inputs [Member] | Mortgage-Backed Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Level 1 Inputs [Member] | Equity Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Level 2, Inputs [Member] | Interest Rate Swap Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure	2,699	574
Level 2, Inputs [Member] | Mortgage Banking Hedge Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure	1,356	0
LIABILITIES:
Financial Liabilities Fair Value Disclosure		(907)
Level 2, Inputs [Member] | Mortgage Banking IRLC Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Level 2, Inputs [Member] | Loans held for sale [Member]
ASSETS:
Assets, Fair Value Disclosure	82,081	114,039
Level 2, Inputs [Member] | Mortgage Servicing Rights [Member]
ASSETS:
Assets, Fair Value Disclosure	0
Level 2, Inputs [Member] | U.S. Government Treasury [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Level 2, Inputs [Member] | U.S. Government Agency [Member]
ASSETS:
Assets, Fair Value Disclosure	221,530	208,531
Level 2, Inputs [Member] | States and Political Subdivisions [Member]
ASSETS:
Assets, Fair Value Disclosure	4,308	3,632
Level 2, Inputs [Member] | Mortgage-Backed Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	496	515
Level 2, Inputs [Member] | Equity Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	6,795	7,673
Level 3, Inputs [Member] | Interest Rate Swap Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Level 3, Inputs [Member] | Mortgage Banking Hedge Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
LIABILITIES:
Financial Liabilities Fair Value Disclosure		0
Level 3, Inputs [Member] | Mortgage Banking IRLC Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure	2,982	4,825
Level 3, Inputs [Member] | Loans held for sale [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Level 3, Inputs [Member] | Mortgage Servicing Rights [Member]
ASSETS:
Assets, Fair Value Disclosure	4,019
Level 3, Inputs [Member] | U.S. Government Treasury [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Level 3, Inputs [Member] | U.S. Government Agency [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Level 3, Inputs [Member] | States and Political Subdivisions [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Level 3, Inputs [Member] | Mortgage-Backed Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Level 3, Inputs [Member] | Equity Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	$ 0	$ 0

FAIR VALUE MEASUREMENTS (Financ

FAIR VALUE MEASUREMENTS (Financial Instruments) (Details) - USD ($)	Mar. 31, 2021	Dec. 31, 2020	Mar. 31, 2020	Dec. 31, 2019
ASSETS:
Investment Securities, Available for Sale	$ 406,245,000	$ 324,870,000
Investment securities, held to maturity, fair value	204,158,000	175,175,000
Loans Held for Sale	82,081,000	114,039,000
Mortgage Servicing Rights	3,583,000	3,452,000	$ 910,000	$ 910,000
Loans, Net of Allowance for Credit Losses	2,035,701,000	1,982,610,000
Fair value inputs, Level 1 [Member]
ASSETS:
Cash	73,973,000	67,919,000
Short-Term Investments	851,910,000	860,630,000
Investment Securities, Available for Sale	173,116,000	104,519,000
Investment Securities, Held to Maturity	0	5,014,000
Equity Securities	0	0
Loans Held for Sale	0	0
Interest Rate Swap Derivative	0	0
Mortgage Servicing Rights	0	0
Loans, Net of Allowance for Credit Losses	0	0
LIABILITIES:
Deposits	0	0
Short-Term Borrowings	0	0
Subordinated Notes Payable	0	0
Long-Term Borrowings	0	0
Fair value inputs, Level 1 [Member] | Mortgage Banking Hedge Derivative [Member]
ASSETS:
Derivative Assets	0
LIABILITIES:
Mortgage Banking Derivative Liability		0
Fair value inputs, Level 1 [Member] | Mortgage Banking IRLC Derivative [Member]
ASSETS:
Derivative Assets	0	0
Fair Value, Inputs, Level 2 [Member]
ASSETS:
Cash	0	0
Short-Term Investments	0	0
Investment Securities, Available for Sale	233,129,000	220,351,000
Investment Securities, Held to Maturity	204,158,000	170,161,000
Equity Securities	3,588,000	3,589,000
Loans Held for Sale	82,081,000	114,039,000
Interest Rate Swap Derivative	2,699,000	574,000
Mortgage Servicing Rights	0	0
Loans, Net of Allowance for Credit Losses	0	0
LIABILITIES:
Deposits	3,358,015,000	3,217,615,000
Short-Term Borrowings	55,687,000	79,654,000
Subordinated Notes Payable	43,038,000	43,449,000
Long-Term Borrowings	1,927,000	3,174,000
Fair Value, Inputs, Level 2 [Member] | Mortgage Banking Hedge Derivative [Member]
ASSETS:
Derivative Assets	1,356,000
LIABILITIES:
Mortgage Banking Derivative Liability		907,000
Fair Value, Inputs, Level 2 [Member] | Mortgage Banking IRLC Derivative [Member]
ASSETS:
Derivative Assets	0	0
Fair Value, Inputs, Level 3 [Member]
ASSETS:
Cash	0	0
Short-Term Investments	0	0
Investment Securities, Available for Sale	0	0
Investment Securities, Held to Maturity	0	0
Equity Securities	0	0
Loans Held for Sale	0	0
Interest Rate Swap Derivative	0	0
Mortgage Servicing Rights	4,019,000	3,451,000
Loans, Net of Allowance for Credit Losses	2,036,010,000	1,990,740,000
LIABILITIES:
Deposits	0	0
Short-Term Borrowings	0	0
Subordinated Notes Payable	0	0
Long-Term Borrowings	0	0
Fair Value, Inputs, Level 3 [Member] | Mortgage Banking Hedge Derivative [Member]
ASSETS:
Derivative Assets	0
LIABILITIES:
Mortgage Banking Derivative Liability		0
Fair Value, Inputs, Level 3 [Member] | Mortgage Banking IRLC Derivative [Member]
ASSETS:
Derivative Assets	2,982,000	4,825,000
Carrying (Reported) Amount, Fair Value Disclosure [Member]
ASSETS:
Cash	73,973,000	67,919,000
Short-Term Investments	851,910,000	860,630,000
Investment Securities, Available for Sale	406,245,000	324,870,000
Investment Securities, Held to Maturity	199,109,000	169,939,000
Equity Securities	3,588,000	3,589,000
Loans Held for Sale	82,081,000	114,039,000
Interest Rate Swap Derivative	2,699,000	574,000
Mortgage Servicing Rights	3,583,000	3,452,000
Loans, Net of Allowance for Credit Losses	2,035,701,000	1,982,610,000
LIABILITIES:
Deposits	3,358,108,000	3,217,560,000
Short-Term Borrowings	55,687,000	79,654,000
Subordinated Notes Payable	52,887,000	52,887,000
Long-Term Borrowings	1,829,000	3,057,000
Carrying (Reported) Amount, Fair Value Disclosure [Member] | Mortgage Banking Hedge Derivative [Member]
ASSETS:
Derivative Assets	1,356,000
LIABILITIES:
Mortgage Banking Derivative Liability		907,000
Carrying (Reported) Amount, Fair Value Disclosure [Member] | Mortgage Banking IRLC Derivative [Member]
ASSETS:
Derivative Assets	$ 2,982,000	$ 4,825,000

FAIR VALUE MEASUREMENTS (Narrat

FAIR VALUE MEASUREMENTS (Narratives) (Details) - USD ($)	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020	Dec. 31, 2020
Fair Value measurements [Abstract]
Level 3 issuances	$ 15,400,000	$ 1,200,000
Level 3 transfers	10,500,000	$ 1,800,000
Collateral-dependent loans	4,000,000		$ 7,100,000
Valuation allowance	100,000		$ 100,000
valuation allowance for loan servicing rights	$ 0

OTHER COMPREHENSIVE INCOME (LOS

OTHER COMPREHENSIVE INCOME (LOSS) (amounts allocated to other comprehensive income) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Investment Securities Before Tax Amount [Abstract]
Change in net unrealized gain (loss) on securities available for sale	$ (1,952)	$ 3,547
Amortization of unrealized losses on securities transferred from available for sale to held to maturity, before tax	0	0
Total Investment Securities, Before Tax	0	0
Change in net unrealized gain/loss on interest rate swap, before tax	2,125	0
Benefit Plans:
Reclassification adjustment for amortization of prior year service cost	24	0
Current year actuarial gain	166	0
Total Benefit Plans	190	0
Total Other comprehensive (loss) income, before tax	363	3,547
Benefit Plans:
Total Other Comprehensive Income, Tax (Expense) Benefit	(92)	(899)
Benefit Plans:
Total Other Comprehensive Income, Net of Tax	$ 271	$ 2,648

OTHER COMPREHENSIVE INCOME (L_2

OTHER COMPREHENSIVE INCOME (LOSS) (Accumulated Other Comprehensive Income) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Activity in accumulated other comprehensive loss, net of tax
Balance, Begining	$ (44,142)	$ (28,181)
Other comprehensive loss during the period	271	2,648
Balance, Ending	(43,871)	(25,533)
Interest Rate Swap [Member]
Activity in accumulated other comprehensive loss, net of tax
Balance, Begining	428	0
Other comprehensive loss during the period	1,587	0
Balance, Ending	2,015	0
Securities Available for Sale [Member]
Activity in accumulated other comprehensive loss, net of tax
Balance, Begining	2,700	864
Other comprehensive loss during the period	(1,458)	2,648
Balance, Ending	1,242	3,512
Retirement Plans [Member]
Activity in accumulated other comprehensive loss, net of tax
Balance, Begining	(47,270)	(29,045)
Other comprehensive loss during the period	142	0
Balance, Ending	$ (47,128)	$ (29,045)