Capital City Bank (CCBG) 10-Q 4 May 22 2022 Q1 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	3 Months Ended
	Mar. 31, 2022	May 02, 2022
Document And Entity Information
Document Type	10-Q
Document Period End Date	Mar. 31, 2022
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		16,947,627
Entity Central Index Key	0000726601
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Document Fiscal Period Focus	Q1
Document Fiscal Year Focus	2022

CONSOLIDATED STATEMENTS OF FINA

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($)	Mar. 31, 2022	Dec. 31, 2021
ASSETS
Cash and Due From Banks	$ 77,963,000	$ 65,313,000
Federal Funds Sold and Interest Bearing Deposits	790,465,000	970,041,000
Total Cash and Cash Equivalents	868,428,000	1,035,354,000
Investment Securities, Available for Sale, at fair value (amortized cost of $655,927 and $660,732)	624,361,000	654,611,000
Investment Securities, Held to Maturity (fair value of $501,277 and $339,699)	518,678,000	339,601,000
Equity Securities	855,000	861,000
Total Investment Securities	1,143,894,000	995,073,000
Loans Held For Sale, at Fair Value	50,815,000	52,532,000
Loans Held For Investment, Net of Unearned Income	1,985,509,000	1,931,465,000
Allowance for Credit Losses	(20,756,000)	(21,606,000)
Loans Held for Investment, Net	1,964,753,000	1,909,859,000
Premises and Equipment, Net	82,518,000	83,412,000
Goodwill and Other Intangibles	93,213,000	93,253,000
Other Real Estate Owned	17,000	17,000
Other Assets	106,407,000	94,349,000
Total Assets	4,310,045,000	4,263,849,000
Deposits:
Noninterest Bearing Deposits	1,704,329,000	1,668,912,000
Interest Bearing Deposits	2,061,178,000	2,043,950,000
Total Deposits	3,765,507,000	3,712,862,000
Short-Term Borrowings	30,865,000	34,557,000
Subordinated Notes Payable	52,887,000	52,887,000
Other Long-Term Borrowings	806,000	884,000
Other Liabilities	77,323,000	67,735,000
Total Liabilities	3,927,388,000	3,868,925,000
Temporary Equity	10,512,000	11,758,000
SHAREOWNERS' EQUITY
Preferred Stock, $.$0.01 par value; 3,000,000 shares authorized; no shares issued and outstanding	0	0
Common Stock, $0.01 par value; 90,000,000 shares authorized; 16,947,602 and 16,892,060 shares issued and outstanding at March 31, 2022 and December 31, 2021, respectively	169,000	169,000
Additional Paid-In Capital	35,188,000	34,423,000
Retained Earnings	370,531,000	364,788,000
Accumulated Other Comprehensive Loss, net of tax	(33,743,000)	(16,214,000)
Total Shareowners' Equity	372,145,000	383,166,000
Total Liabilities, Temporary Equity, and Shareowners' Equity	$ 4,310,045,000	$ 4,263,849,000

CONSOLIDATED STATEMENTS OF FI_2

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (Parenthetical) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Statement of Financial Position [Abstract]
Amortized cost	$ 655,927	$ 660,732
Investment securities, held to maturity, fair value	$ 501,277	$ 339,699
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	16,947,602	16,892,060
Common Stock, shares outstanding	16,947,602	16,892,060

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
INTEREST INCOME
Loans, including Fees	$ 22,133	$ 23,350
Investment Securities:
Taxable Securities	2,890	1,863
Tax Exempt Securities	6	20
Federal Funds Sold and Interest Bearing Deposits	409	213
Total Interest Income	25,438	25,446
INTEREST EXPENSE
Deposits	224	208
Short-Term Borrowings	192	412
Subordinated Notes Payable	317	307
Other Long-Term Borrowings	9	21
Total Interest Expense	742	948
NET INTEREST INCOME	24,696	24,498
Provision for Credit Losses	0	(982)
Net Interest Income After Provision For Credit Losses	24,696	25,480
NONINTEREST INCOME
Other	1,848	1,722
Total Noninterest Income	25,818	29,826
NONINTEREST EXPENSE
Compensation	24,856	26,064
Occupancy, Net	6,093	5,967
Other Real Estate Owned, Net	25	(118)
Pension Settlement	209	0
Other	8,050	8,563
Total Noninterest Expense	39,233	40,476
INCOME BEFORE INCOME TAXES	11,281	14,830
Income Tax Expense	2,235	2,787
NET INCOME	9,046	12,043
Income Attributable to Noncontrolling Interests	(591)	(2,537)
NET INCOME ATTRIBUTABLE TO COMMON SHAREOWNERS	$ 8,455	$ 9,506
BASIC NET INCOME PER SHARE (in dollars per shares)	$ 0.50	$ 0.56
DILUTED NET INCOME PER SHARE (in dollars per shares)	$ 0.50	$ 0.56
Average Basic Shares Outstanding	16,931	16,838
Average Diluted Shares Outstanding	16,946	16,862
Deposit fees [Member]
NONINTEREST INCOME
Revenue, fees and commissions	$ 5,191	$ 4,271
Bank card fees [Member]
NONINTEREST INCOME
Revenue, fees and commissions	3,763	3,618
Wealth Management fees [Member]
NONINTEREST INCOME
Revenue, fees and commissions	6,070	3,090
Mortgage banking [Member]
NONINTEREST INCOME
Revenue, fees and commissions	$ 8,946	$ 17,125

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Consolidated Statements of Comprehensive Income [Abstract]
NET INCOME ATTRIBUTABLE TO COMMON SHAREOWNERS	$ 8,455	$ 9,506
Other comprehensive (loss) income, before tax:
Change in net unrealized (loss) gain on securities available for sale	(25,445)	(1,952)
Change in net unrealized gain on effective cash flow derivative	1,836	2,125
Benefit Plans:
Reclassification adjustment for service cost	0	24
Actuarial gain	0	166
Pension Settlement	209	0
Total Benefit Plans	209	190
Other comprehensive (loss) income, before tax	(23,400)	363
Deferred tax (benefit) expense related to other comprehensive income	(5,871)	92
Other comprehensive (loss) income, net of tax	(17,529)	271
TOTAL COMPREHENSIVE (LOSS) INCOME	$ (9,074)	$ 9,777

CONSOLIDATED STATEMENTS OF CHAN

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREOWNERS' EQUITY - 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, 2020		$ 320,837	$ 168	$ 32,283	$ 332,528	$ (44,142)
Balance (in shares) at Dec. 31, 2020			16,790,573
Net Income attributable to common shareowners		9,506	$ 0	0	9,506	0
Reclassification to Temporary Equity	[1]	(4,182)	0	0	(4,182)	0
Other Comprehensive income (loss), net of tax		271	0	0	0	271
Cash Dividends ($0.1600 and $0.1500 per share)		(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
Balance at Dec. 31, 2021		$ 383,166	$ 169	34,423	364,788	(16,214)
Balance (in shares) at Dec. 31, 2021		16,892,060
Net Income attributable to common shareowners		$ 8,455	0	0	8,455	0
Other Comprehensive income (loss), net of tax		(17,529)	0	0	0	(17,529)
Cash Dividends ($0.1600 and $0.1500 per share)		(2,712)	0	0	(2,712)	0
Stock Based Compensation		245	0	245	0	0
Stock Compensation Plan Transactions, net		520	$ 0	520	0	0
Stock Compensation Plan Transactions, net (in shares)			55,542
Balance at Mar. 31, 2022		$ 372,145	$ 169	$ 35,188	$ 370,531	$ (33,743)
Balance, Shares at Mar. 31, 2022		16,947,602	16,947,602
[1]	Adjustment to redemption value for non-controlling interest in Capital City Home Loans.

CONSOLIDATED STATEMENTS OF CH_2

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREOWNERS' EQUITY (Parenthetical) - $ / shares	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Statement of Stockholders' Equity [Abstract]
Cash Dividends (in dollars per share)	$ 0.1600	$ 0.1500

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
CASH FLOWS FROM OPERATING ACTIVITIES
Net Income attributable to common shareowners	$ 8,455	$ 9,506
Adjustments to Reconcile Net Income to Cash Provided by Operating Activities:
Provision for Credit Losses	0	(982)
Depreciation	1,907	1,942
Amortization of Premiums, Discounts and Fees, net	2,907	2,428
Amortization of Intangible Asset	40	0
Pension Settlement	209	0
Originations of Loans Held-for-Sale	(246,887)	(470,248)
Proceeds From Sales of Loans Held-for-Sale	257,550	519,331
Mortgage Banking Revenues	(8,946)	(17,125)
Net Additions for Capitalized Mortgage Servicing Rights	227	119
Change in Valuation Provision for Mortgage Servicing Rights	0	(250)
Stock Compensation	245	219
Net Tax Benefit From Stock-Based Compensation	(19)	(4)
Deferred Income Taxes	(6,167)	(378)
Net Change in Operating Leases	(27)	(41)
Net Gain on Sales and Write-Downs of Other Real Estate Owned	0	(202)
Net Decrease (Increase) in Other Assets	1,441	(1,370)
Net Increase in Other Liabilities	7,036	7,935
Net Cash Used In Investing Activities	17,971	50,880
Securities Held to Maturity:
Purchases	(194,448)	(54,382)
Payments, Maturities, and Calls	14,441	24,629
Securities Available for Sale:
Purchases	(25,139)	(133,628)
Proceeds from Sale or Securities	3,365	0
Payments, Maturities, and Calls	24,824	49,349
Purchases of Loans Held for Investment	(26,713)	(23,686)
Net Increase in Loans Held for Investment	(28,405)	(29,437)
Proceeds From Sales of Other Real Estate Owned	0	1,084
Purchases of Premises and Equipment	(1,013)	(1,592)
Noncontrolling Interest Contributions	1,838	1,259
Net Cash Used In Investing Activities	(231,250)	(166,404)
CASH FLOWS FROM FINANCING ACTIVITIES
Net Increase in Deposits	52,645	140,548
Net Decrease in Short-Term Borrowings	(3,692)	(24,181)
Repayment of Other Long-Term Borrowings	(78)	(1,014)
Dividends Paid	(2,712)	(2,528)
Issuance of Common Stock Under Purchase Plans	190	33
Net Cash Provided By Financing Activities	46,353	112,858
NET DECREASE IN CASH AND CASH EQUIVALENTS	(166,926)	(2,666)
Cash and Cash Equivalents at Beginning of Period	1,035,354	928,549
Cash and Cash Equivalents at End of Period	868,428	925,883
Supplemental Cash Flow Disclosures:
Interest Paid	715	1,009
Income Taxes Paid	20	0
Noncash Investing and Financing Activities:
Loans Transferred to Other Real Estate Owned	$ 0	$ 184

BUSINESS AND BASIS OF PRESENTAT

BUSINESS AND BASIS OF PRESENTATION	3 Months Ended
	Mar. 31, 2022
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 its subsidiary, Georgia, and Alabama. government agencies and undergoes periodic examinations Basis of Presentation . and its wholly owned subsidiary, have been eliminated. The accompanying unaudited consolidated financial statements have principles for interim financial information and with the instructions to they do not include all of the information and notes required by generally accepted statements. presentation have been included. The Consolidated Statement of Financial Condition at December statements at that date, but does not include all of the information and notes complete financial statements. Company’s annual report Acquisition. April 30, 2021 , a newly formed subsidiary of CCBG, Capital City Strategic Wealth, substantially all of the assets of Strategic Wealth and insurance carrier agreements, and the assignment of all related revenues SWG principles became officers of CCSW and will continue five management services and comprehensive risk management CCBG paid $ 4.5 2.8 1.6 Accounting Standards Updates Accounting Standards Update (“ASU”) . Accounting Standards Board ("FASB") Restructurings and Vintage in ASC 310-40, "Receivables - Troubled Debt loss model introduced by ASU 2016-13, “Financial Instruments – Financial Instruments”. origination for financing receivables and net investments in leases within the Credit Losses—Measured at Amortized Cost". 15, 2022, including interim periods within those fiscal years, with early ASU 2022-02 will have on its consolidated financial statements and

INVESTMENT SECURITIES

INVESTMENT SECURITIES	3 Months Ended
	Mar. 31, 2022
Investments Securities [Abstract]
Investment securities	NOTE 2 – INVESTMENT SECURITIES Investment Portfolio Composition . The following table summarizes the amortized cost and related fair value securities available-for-sale and securities held-to-maturity and the corresponding Available for Amortized Unrealized Unrealized Allowance for Fair (Dollars in Thousands) Cost Gains Losses Credit Losses Value March 31, 2022 U.S. Government Treasury $ 190,049 $ 15 $ 10,051 $ - $ 180,013 U.S. Government Agency 232,067 547 8,179 - 224,435 States and Political Subdivisions 47,107 11 3,753 (15) 43,350 Mortgage-Backed Securities (1) 91,169 15 5,121 - 86,063 Corporate Debt Securities 88,208 4 5,018 (21) 83,173 Other Securities (2) 7,327 - - - 7,327 Total $ 655,927 $ 592 $ 32,122 $ (36) $ 624,361 December 31, 2021 U.S. Government Treasury $ 190,409 $ 65 $ 2,606 $ - $ 187,868 U.S. Government Agency 238,490 1,229 2,141 - 237,578 States and Political Subdivisions 47,762 44 811 (15) 46,980 Mortgage-Backed Securities (1) 89,440 27 598 - 88,869 Corporate Debt Securities 87,537 10 1,304 (21) 86,222 Other Securities (2) 7,094 - - - 7,094 Total $ 660,732 $ 1,375 $ 7,460 $ (36) $ 654,611 Held to Maturity Amortized Unrealized Unrealized Fair (Dollars in Thousands) Cost Gains Losses Value March 31, 2022 U.S. Government Treasury $ 289,237 $ 10 $ 9,355 $ 279,892 Mortgage-Backed Securities (1) 229,441 414 8,470 221,385 Total $ 518,678 $ 424 $ 17,825 $ 501,277 December 31, 2021 U.S. Government Treasury $ 115,499 $ - $ 1,622 $ 113,877 Mortgage-Backed Securities (1) 224,102 2,819 1,099 225,822 Total $ 339,601 $ 2,819 $ 2,721 $ 339,699 (1) (2) Includes Federal Home Loan Bank and Federal Reserve Bank stock, recorded 2.3 5.1 respectively, 2.0 5.1 At March 31, 2022, the investment portfolio had $ 0.9 fair value and were not credit impaired. Securities with an amortized cost of $ 453.3 463.8 pledged to secure public deposits and for other purposes. The Bank, as a member of the Federal Home Loan Bank of Atlanta (“FHLB”), is required generally upon the balances of residential and commercial real estate loans and FHLB other securities, redemption of this stock has historically been at par value. As a member of the Federal Reserve Bank of Atlanta, the Bank is required to maintain based on a specified ratio relative to the Bank’s Investment Sales. There were sales of investment securities totaling $ 3.4 were no significant sales of investment securities for the three months ended 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 Fair Value Amortized Cost Fair Value Due in one year or less $ 36,321 $ 34,519 $ - $ - Due after one year through five years 306,432 290,613 289,237 279,892 Due after five year through ten years 62,103 56,445 - - Mortgage-Backed Securities 91,169 86,063 229,441 221,385 U.S. Government Agency 152,575 149,394 - - Equity Securities 7,327 7,327 - - Total $ 655,927 $ 624,361 $ 518,678 $ 501,277 Unrealized Losses on Investment Securities. unrealized losses aggregated by major security type and length of time in a continuous Less Than Greater Than 12 Months 12 Months Total Fair Unrealized Fair Unrealized Fair Unrealized (Dollars in Thousands) Value Losses Value Losses Value Losses March 31, 2022 Available for U.S. Government Treasury $ 117,369 $ 6,723 $ 57,638 $ 3,328 $ 175,007 $ 10,051 U.S. Government Agency 122,572 5,952 43,637 2,227 166,209 8,179 States and Political Subdivisions 42,181 3,719 444 34 42,625 3,753 Mortgage-Backed Securities 85,848 5,121 - - 85,848 5,121 Corporate Debt Securities 79,718 5,018 - - 79,718 5,018 Total 447,688 26,533 101,719 5,589 549,407 32,122 Held to Maturity U.S. Government Treasury 261,362 9,355 - - 261,362 9,355 Mortgage-Backed Securities 166,472 7,633 10,496 837 176,968 8,470 Total $ 427,834 $ 16,988 $ 10,496 $ 837 $ 438,330 $ 17,825 December 31, 2021 Available for U.S. Government Treasury $ 172,206 $ 2,606 $ - $ - $ 172,206 $ 2,606 U.S. Government Agency 127,484 1,786 17,986 355 145,470 2,141 States and Political Subdivisions 42,122 811 - - 42,122 811 Mortgage-Backed Securities 81,832 598 - - 81,832 598 Corporate Debt Securities 69,354 1,304 - - 69,354 1,304 Total $ 492,998 $ 7,105 $ 17,986 $ 355 $ 510,984 $ 7,460 Held to Maturity U.S. Government Treasury 113,877 1,622 - - 113,877 1,622 Mortgage-Backed Securities 115,015 1,099 - - 115,015 1,099 Total $ 228,892 $ 2,721 $ - $ - $ 228,892 $ 2,721 At March 31, 2022, there were 673 $ 49.9 553 Municipal securities totaled 48 72 investment securities had allowance for credit losses totaling less than $ 0.1 of these securities were attributable to changes in interest rates and not credit quality. Credit Quality Indicators The Company monitors the credit quality of its investment securities through monitoring of credit ratings. government entity or agency and are either explicitly or implicitly guaranteed long history of no credit losses on these securities indicates that the expectation even if the U.S. government were to technically default. refunded and secured by government guaranteed treasuries. assess or record expected credit losses due to the zero loss assumption. corporate securities portfolio via credit ratings securities in an unrealized loss position are evaluated to determine if the for credit loss is needed.

LOANS HELD FOR INVESTMENT AND A

LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES	3 Months Ended
	Mar. 31, 2022
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, 2022 December 31, 2021 Commercial, Financial and Agricultural $ 230,213 $ 223,086 Real Estate – Construction 174,293 174,394 Real Estate – Commercial Mortgage 669,110 663,550 Real Estate – Residential (1) 374,712 360,021 Real Estate – Home Equity 188,174 187,821 Consumer (2) 349,007 322,593 Loans Held For Investment, Net of Unearned Income $ 1,985,509 $ 1,931,465 (1) Includes loans in process balances of $ 6.7 13.6 (2) Includes overdraft balances of $ 1.2 1.1 Net deferred loan costs, which include premiums on purchased loans, 4.4 3.9 million at December 31, 2021. Accrued interest receivable on loans which is excluded from amortized 5.8 5.3 December 31, 2021, and is reported separately in Other Assets. The Company has pledged a blanket floating lien on all 1-4 family residential mortgage and home equity loans to support available borrowing capacity at the FHLB of consumer loans, commercial loans, and construction loans to support available Atlanta. Loan Purchase and Sales . loans from Capital City Home Loans (“CCHL”), a related party. 26.3 $ 22.2 Allowance for Credit Losses . (“ACL”) has two basic components: first, an asset-specific component measurement of expected credit losses for such individual loans; and second, of loans that share similar risk characteristics. Policies in the Company’s 2021 Form The following table details the activity in the allowance for credit losses by allowance to one category of loans does not preclude its availability to 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, 2022 Beginning Balance $ 2,191 $ 3,302 $ 5,810 $ 4,129 $ 2,296 $ 3,878 $ 21,606 Provision for Credit Losses (161) (714) (181) 314 (405) 1,068 (79) Charge-Offs (73) - (266) - (33) (1,402) (1,774) Recoveries 165 8 29 27 58 716 1,003 Net (Charge-Offs) Recoveries 92 8 (237) 27 25 (686) (771) Ending Balance $ 2,122 $ 2,596 $ 5,392 $ 4,470 $ 1,916 $ 4,260 $ 20,756 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 (Charge-Offs) Recoveries 67 - 645 69 119 (378) 522 Ending Balance $ 1,957 $ 2,254 $ 6,956 $ 5,204 $ 2,575 $ 3,080 $ 22,026 For the three months ended March 31, 2022, the allowance decreased 0.9 0.1 and net loan charge-offs of $ 0.8 1.8 reflected a provision benefit of $ 2.3 0.5 March 31, 2022 and March 31, 2021 reflected improvement in the of default. management’s estimate of probability. balance sheet credit commitments. Loan Portfolio Aging. A loan is defined as a past due loan when one full payment is past due or a contractual maturity past due (“DPD”). The following table presents the aging of the amortized cost basis in accruing 30-59 60-89 90 + Total Total Nonaccrual Total (Dollars in Thousands) DPD DPD DPD Past Due Current Loans Loans March 31, 2022 Commercial, Financial and Agricultural $ 205 $ 79 $ - $ 284 $ 229,898 $ 31 $ 230,213 Real Estate – Construction - - - - 174,293 - 174,293 Real Estate – Commercial Mortgage 502 - - 502 668,186 422 669,110 Real Estate – Residential 474 29 - 503 373,005 1,204 374,712 Real Estate – Home Equity 47 - - 47 187,283 844 188,174 Consumer 1,152 632 - 1,784 346,996 227 349,007 Total $ 2,380 $ 740 $ - $ 3,120 $ 1,979,661 $ 2,728 $ 1,985,509 December 31, 2021 Commercial, Financial and Agricultural $ 100 $ 23 $ - $ 123 $ 222,873 $ 90 $ 223,086 Real Estate – Construction - - - - 174,394 - 174,394 Real Estate – Commercial Mortgage 151 - - 151 662,795 604 663,550 Real Estate – Residential 365 151 - 516 357,408 2,097 360,021 Real Estate – Home Equity 210 - - 210 186,292 1,319 187,821 Consumer 1,964 636 - 2,600 319,781 212 322,593 Total $ 2,790 $ 810 $ - $ 3,600 $ 1,923,543 $ 4,322 $ 1,931,465 Nonaccrual Loans . management deems the collectability of the principal and/or interest to principal and interest amounts contractually due are brought current The following table presents the amortized cost basis of loans in nonaccrual by class of loans. March 31, 2022 December 31, 2021 Nonaccrual Nonaccrual Nonaccrual Nonaccrual With No With 90 + Days With No With 90 + Days (Dollars in Thousands) ACL ACL Still Accruing ACL ACL Still Accruing Commercial, Financial and Agricultural $ - $ 31 $ - $ 67 $ 23 $ - Real Estate – Construction - - - - - - Real Estate – Commercial Mortgage - 422 - - 604 - Real Estate – Residential 728 476 - 928 1,169 - Real Estate – Home Equity - 844 - 463 856 - Consumer - 227 - - 212 - Total Nonaccrual $ 728 $ 2,000 $ - $ 1,458 $ 2,864 $ - Collateral Dependent Loans. The following table presents the amortized cost basis of collateral-dependent March 31, 2022 December 31, 2021 Real Estate Non Real Estate Real Estate Non Real Estate (Dollars in Thousands) Secured Secured Secured Secured Commercial, Financial and Agricultural $ - $ - $ - $ 67 Real Estate – Construction - - - - Real Estate – Commercial Mortgage - - 455 - Real Estate – Residential 855 - 1,645 - Real Estate – Home Equity 601 - 649 - Consumer - - - - Total Collateral Dependent $ 1,456 $ - $ 2,749 $ 67 A loan is collateral dependent when the borrower is experiencing financial 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 amounts to be deducted Residential Real Estate Loans In Process of Foreclosure . 0.9 and $ 0.9 Troubled 7.5 7.3 performing in accordance with the modified terms. 8.0 7.6 million were performing in accordance with modified terms. 0.3 0.3 credit loss reserves at March 31, 2022 and December 31, 2021, respectively. The modifications made to TDRs involved either an extension of the loan term, a principal or a combination thereof. no March 31, 2021, there were two 0.4 2022 and March 31, 2021, there were no within the 12 months prior to default. Credit Risk Management . procedures designed to maximize loan income within an acceptable approve these policies and procedures on a regular basis (at least annually). Reporting systems are used to monitor loan originations, loan quality, loans and potential problem loans. monitor asset quality trends and the appropriateness of credit policies. concentration risk is monitored. of risk, client concentrations, industry group, loan type, geographic of the loan portfolio are monitored and reported to the Board on a quarterly Board approved credit policies governing exposure limits and underwriting the Company’s loan portfolio Commercial, Financial, and Agricultural – Loans in this category with consideration given to underlying collateral and personal or ratio limits that require a borrower’s cash flow to be sufficient The majority of these loans are secured by the assets being financed or other business equipment. governed by established policy guidelines. Real Estate Construction – Loans in this category consist of short-term and construction/permanent loans made to individuals and investors to rehabilitation of real property. secured by the property being financed, including 1-4 family residential occupied or investment in nature. based upon estimates of costs and value associated with the completed party appraisals and evaluations. of funds for construction loans is made in relation to the progress of the project site inspections. Real Estate Commercial Mortgage – Loans in this category consists of commercial owner-occupied or investment in nature. with consideration given to underlying real estate collateral and coverage ratios and loan to value ratios specific to the property type. appraisals and evaluations. Real Estate Residential – Residential mortgage loans held in the Company’s ability to make scheduled payments with full consideration to underwriting assets, and other financial resources, credit history, residential originate sub-prime loans. Real Estate Home Equity – Home equity loans and lines are made to qualified individuals by senior or junior mortgage liens on owner-occupied favorable credit history combined established policy guidelines. Consumer Loans – This loan portfolio includes personal installment loans, lines of credit. establishes maximum debt to income ratios, minimum credit scores, and receipt of credit reports. Credit Quality Indicators . into risk categories based on relevant information about the ability of borrowers information, historical payment performance, credit documentation, factors. relationships over a predetermined amount and review of smaller balance homogenous noted below for categorizing and managing its criticized loans. and are not considered criticized. Special Mention – Loans in this category are presently protected from loss, but cause future problems. the ordinary amount of attention is warranted for these loans. Substandard – Loans in this category exhibit well-defined weaknesses that would These loans are no longer adequately protected due to well-defined borrower. Doubtful – Loans in this category have all the weaknesses inherent in a loan categorized the weaknesses make collection or liquidation in full, on the basis of questionable and improbable. Performing/Nonperforming – Loans within certain homogenous but are monitored for credit quality via the aging status of the loan and by payment is updated on an on-going basis dependent upon improvement The following table summarizes gross loans held for investment at credit risk ratings (refer to Credit Risk Management section for detail on risk rating Term Revolving (Dollars in Thousands) 2022 2021 2020 2019 2018 Prior Loans Total Commercial, Financial, Agriculture: Pass $ 22,526 $ 60,369 $ 27,910 $ 26,368 $ 18,565 $ 18,863 $ 54,707 $ 229,308 Special Mention - 100 187 268 16 24 - 595 Substandard - - 58 - 184 68 - 310 Total $ 22,526 $ 60,469 $ 28,155 $ 26,636 $ 18,765 $ 18,955 $ 54,707 $ 230,213 Real Estate - Construction: Pass $ 11,641 $ 109,459 $ 42,522 $ 8,684 $ - $ 129 $ 1,858 $ 174,293 Total $ 11,641 $ 109,459 $ 42,522 $ 8,684 $ - $ 129 $ 1,858 $ 174,293 Real Estate - Commercial Mortgage: Pass $ 50,302 $ 165,574 $ 123,213 $ 73,444 $ 73,824 $ 131,407 $ 26,092 $ 643,856 Special Mention - - 410 1,750 2,615 5,761 1,250 11,786 Substandard - 10,055 405 640 - 2,298 70 13,468 Total $ 50,302 $ 175,629 $ 124,028 $ 75,834 $ 76,439 $ 139,466 $ 27,412 $ 669,110 Real Estate - Residential: Pass $ 46,698 $ 117,058 $ 55,670 $ 34,111 $ 23,957 $ 81,162 $ 6,255 $ 364,911 Special Mention 61 - 132 18 60 570 1,348 2,189 Substandard 74 576 1,007 1,085 971 3,899 - 7,612 Total $ 46,833 $ 117,634 $ 56,809 $ 35,214 $ 24,988 $ 85,631 $ 7,603 $ 374,712 Real Estate - Home Equity: Performing $ - $ 146 $ 13 $ 255 $ 130 $ 2,191 $ 184,595 $ 187,330 Nonperforming - - - 17 - - 827 844 Total $ - $ 146 $ 13 $ 272 $ 130 $ 2,191 $ 185,422 $ 188,174 Consumer: Performing $ 61,883 $ 159,135 $ 56,232 $ 33,402 $ 22,026 $ 10,370 $ 5,731 $ 348,779 Nonperforming - 58 59 22 58 31 - 228 Total $ 61,883 $ 159,193 $ 56,291 $ 33,424 $ 22,084 $ 10,401 $ 5,731 $ 349,007

MORTGAGE BANKING ACTIVITIES

MORTGAGE BANKING ACTIVITIES	3 Months Ended
	Mar. 31, 2022
Mortgage Banking Activities [Abstract]
Mortgage Banking Activities	NOTE 4 – MORTGAGE BANKING ACTIVITIES The Company’s mortgage used to manage residential loan pipeline price risk, utilization of warehouse and residential mortgage servicing. Residential Mortgage Loan Production The Company originates, markets, and services conventional and conforming fixed rate residential mortgage loans are held for sale in the residential mortgage loans may be held for investment. market prices are the primary drivers of origination revenue. Residential mortgage loan commitments are generally outstanding for 30 commitment to originate a residential mortgage loan to when the closed commitments are subject to both credit and price risk. collateral requirements, which are generally accepted by the secondary fluctuations and is partially managed through forward sales of residential securities, or TBAs) or mandatory delivery commitments with investors. The unpaid principal balance of residential mortgage loans held for sale, mortgage loan commitments and forward contract sales and their related March 31, 2022 December 31, 2021 Unpaid Principal Unpaid Principal (Dollars in Thousands) Balance/Notional Fair Value Balance/Notional Fair Value Residential Mortgage Loans Held for Sale $ 49,991 $ 50,815 $ 50,733 $ 52,532 Residential Mortgage Loan Commitments ("IRLCs") (1) 99,399 1,117 51,883 1,258 Forward Sales Contracts (2) 55,000 850 48,000 (7) $ 52,782 $ 53,783 (1) Recorded in other assets at fair value (2) Recorded in other assets and other liabilities at fair value The Company had no 2022, and loans held for sale that were 30-69 days outstanding totaled $ 0.2 Mortgage banking revenue was as follows: Three Months Ended March 31, (Dollars in Thousands) 2022 2021 Net realized gains on sales of mortgage loans $ 5,136 $ 14,424 Net change in unrealized gain on mortgage loans held for sale (975) (2,031) Net change in the fair value of mortgage loan commitments (IRLCs) (141) (1,843) Net change in the fair value of forward sales contracts 857 2,263 Pair-Offs on net settlement of forward sales contracts 2,255 3,310 Mortgage servicing rights additions 632 187 Net origination fees 1,182 815 Total mortgage banking $ 8,946 $ 17,125 Residential Mortgage Servicing The Company may retain the right to service residential mortgage loans others is the primary driver of servicing revenue. The following represents a summary of mortgage servicing rights. (Dollars in Thousands) March 31, 2022 December 31, 2021 Number of residential mortgage loans serviced for others 2,224 2,106 Outstanding principal balance of residential mortgage loans serviced $ 577,297 $ 532,967 Weighted average 3.62% 3.59% Remaining contractual term (in months) 317 317 Conforming conventional loans serviced by the Company are sold to FNMA on generally the responsibility of FNMA and not the Company. GNMA, whereby the Company is insured against loss by the Federal Housing the Veterans 60 %), GNMA ( 8 %), and private investor ( 32 %). The Company had $ 1.3 2.0 Company at March 31, 2022 and December 31, 2021, respectively. has been recorded in other assets and other liabilities, respectively, three months ended March 31, 2022, the Company repurchased $ 0.4 For the three months ended March 31, 2021, the Company repurchased 1.5 with the intention to modify their terms and include the loans in new GNMA Activity in the capitalized mortgage servicing rights was as follows: Three Months Ended March 31, (Dollars in Thousands) 2022 2021 Beginning balance $ 3,774 $ 3,452 Additions due to loans sold with servicing retained 632 187 Deletions and amortization (405) (306) Valuation - 250 Ending balance $ 4,001 $ 3,583 The Company did no t record any permanent impairment losses on mortgage servicing rights for the 2022 and March 31, 2021. The key unobservable inputs used in determining the fair value of the Company’s March 31, 2022 December 31, 2021 Minimum Maximum Minimum Maximum Discount rates 10.00% 15.00% 11.00% 15.00% Annual prepayment speeds 7.12% 19.55% 11.98% 23.79% Cost of servicing (per loan) $ 60 $ 73 $ 60 $ 73 Changes in residential mortgage interest rates directly affect servicing rights. estimated loan curtailment, anticipated defaults, and other relevant factors. 10.56 % at March 31, 2022 and 15.85 % at December 31, 2021. Warehouse The Company has the following warehouse lines of credit and master repurchase March 31, 2022. Amounts (Dollars in Thousands) Outstanding $ 75 1.00% to plus 1.00% , with a floor rate of 3.25% . 0.5 6,705 $ 75 November 2022 . 2.25% , to 3.25% . 19,191 Total Warehouse $ 25,896 Warehouse 29.0 million. At March 31, 2022, the Company had residential mortgage pledged as collateral under the above warehouse lines of credit and master repurchase covenants which include certain financial requirements, including assets, and maximum debt to net worth ratio, as defined in the agreements. covenants at March 31, 2022. The Company has extended a $ 50 51 % owned subsidiary entity. transactions under this line of credit are eliminated in the Company’s total short term borrowings noted on the Consolidated Statement of December 31, 2021 and March 31, 2022 was $ 14.8 15.3

DERIVATIVES

DERIVATIVES	3 Months Ended
	Mar. 31, 2022
Derivatives [Abstract]
Derivatives	NOTE 5 – DERIVATIVES The Company enters into derivative financial instruments to manage exposures receipt or payment of future known and uncertain cash amounts, the value of derivative financial instruments are used to manage differences expected cash receipts and its known or expected cash payments principally 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 of 1.83 %. For derivatives designated and that qualify as cash flow hedges of interest rate accumulated other comprehensive income (“AOCI”) and subsequently which the hedged transaction affects earnings. Amounts reported will be reclassified to interest expense as interest payments are made on the The following table reflects the cash flow hedges included in the consolidated Statement of Financial Notional Fair Weighted Average (Dollars in Thousands) Condition Location Amount Value March 31, 2022 Interest rate swaps related to subordinated debt Other Assets $ 30,000 $ 3,886 8.3 December 31, 2021 Interest rate swaps related to subordinated debt Other Assets $ 30,000 $ 2,050 8.5 The following table presents the net gains (losses) recorded in AOCI and the flow derivative instruments (interest rate swaps related to subordinated Amount of Gain Amount of Gain (Loss) Recognized (Loss) Reclassified (Dollars in Thousands) Category in AOCI from AOCI to Income Three months ended March 31, 2022 Interest expense $ 1,370 $ (28) Three months ended March 31, 2021 Interest expense $ 1,587 (33) The Company estimates there will be approximately $ 0.1 months. The Company had a collateral liability of $ 4.0 2.0

LEASES

LEASES	3 Months Ended
	Mar. 31, 2022
Leases [Abstract]
Leases	NOTE 6 – LEASES Operating leases in which the Company is the lessee are recorded as operating liabilities, included in other assets and liabilities, respectively, The Company’s operating 1 44 leases are not complex and do not contain residual value guarantees, variable made in applying the requirements of Topic Operating leases with an initial term of 12 months or less are not recorded on the Consolidated Statement of Financial Condition and the related lease expense is recognized on a straight-line basis over the lease term. At March 31, 2022, the operating lease ROU assets and liabilities were $ 11.7 12.3 31, 2021, ROU assets and liabilities were $ 11.5 12.2 leases or any significant lessor agreements. The table below summarizes our lease expense and other information related Three Months Ended March 31, (Dollars in Thousands) 2022 2021 Operating lease expense $ 384 $ 344 Short-term lease expense 179 140 Total lease expense $ 563 $ 484 Other information: Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 429 $ 385 Right-of-use assets obtained in exchange for new operating lease liabilities 592 75 Weighted average 24.9 25.5 Weighted average 2.0% 2.1% The table below summarizes the maturity of remaining lease liabilities: (Dollars in Thousands) March 31, 2022 2022 $ 1,581 2023 1,190 2024 1,120 2025 977 2026 875 2027 and thereafter 10,341 Total $ 16,084 Less: Interest (3,773) Present Value $ 12,311 At March 31, 2022, the Company had four additional operating lease obligations yet commenced. Three of the leases have payments totaling $ 9.3 15 years , and the fourth lease has payments totaling $ 1.4 10 years . Payments for the banking offices are expected to commence after the construction periods end, which are each expected to occur during the fourth quarter of 2022 and the first quarter of 2023. A related party is the lessor in an operating lease with the Company. 0.2 through 2024, for an aggregate remaining obligation of $ 0.5

EMPLOYEE BENEFIT PLANS

EMPLOYEE BENEFIT PLANS	3 Months Ended
	Mar. 31, 2022
Employee Benefit Plans [Abstract]
Employee benefit plans	NOTE 7 - EMPLOYEE BENEFIT PLANS The Company has a defined benefit pension plan covering substantially all full-time Supplemental Executive Retirement Plan (“SERP”) and a Supplemental executive officers. December 31, 2019. were not covered by the SERP. The components of the net periodic benefit cost for the Company's qualified Three Months Ended March 31, (Dollars in Thousands) 2022 2021 Service Cost $ 1,572 $ 1,743 Interest Cost 1,166 1,221 Expected Return on Plan Assets (2,675) (2,787) Prior Service Cost Amortization 4 4 Net Loss Amortization 428 1,691 Pension Settlement 209 - Net Periodic Benefit Cost $ 704 $ 1,872 Discount Rate Used for Benefit Cost 3.11% 2.88% Long-term Rate of Return on Assets 6.75% 6.75% The components of the net periodic benefit cost for the Company's SERP plans were as follows: Three Months Ended March 31, (Dollars in Thousands) 2022 2021 Service Cost $ 8 $ 9 Interest Cost 79 59 Prior Service Cost Amortization 69 19 Net Loss Amortization 180 198 Net Periodic Benefit Cost $ 336 $ 285 Discount Rate Used for Benefit Cost 2.80% 2.38% The service cost component of net periodic benefit cost is reflected in income. of income.

COMMITMENTS AND CONTINGENCIES

COMMITMENTS AND CONTINGENCIES	3 Months Ended
	Mar. 31, 2022
Commitments and Contingencies [Abstract]
Commitments and contingencies	NOTE 8 - COMMITMENTS AND CONTINGENCIES Lending Commitments . to meet the financing needs of its clients. credit. The Company’s maximum exposure the contractual amount of those instruments. letters of credit as it does for on-balance sheet instruments. obligations were as follows: March 31, 2022 December 31, 2021 (Dollars in Thousands) Fixed Variable Total Fixed Variable Total Commitments to Extend Credit $ 200,236 $ 563,634 $ 763,870 $ 217,531 $ 505,897 $ 723,428 Standby Letters of Credit 5,020 - 5,020 5,205 - 5,205 Total $ 205,256 $ 563,634 $ 768,890 $ 222,736 $ 505,897 $ 728,633 (1) Commitments include unfunded loans, revolving Commitments to extend credit are agreements to lend to a client so long as there is no violation of contract. many of the commitments are expected to expire without being drawn represent future cash requirements. Standby letters of credit are conditional commitments issued by party. general, management does not anticipate any material losses as a result potential losses arising from such transactions are reserved for in the same manner facilities. For both on- and off-balance sheet financial instruments, the Company 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 credit commitments adjusted as a provision for credit loss expense and is recorded in other liabilities. allowance. Three Months Ended March 31, (Dollars in Thousands) 2022 2021 Beginning Balance $ 2,897 $ 1,644 Provision for Credit Losses 79 1,330 Ending Balance $ 2,976 $ 2,974 Other Commitments. In the normal course of business, the Company enters into lease commitments leases. See Note 6 – Leases for additional information on the maturity of the the Company has an outstanding commitment of up to $ 1.0 technology solutions for community banks. At March 31, 2022 and at December 0.1 of the commitment. Contingencies . there are no known pending claims or litigation, the outcome of which would, on the consolidated results of operations, financial position, or cash flows 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 in a reduction first quarter of 2011, the Company sold its remaining contract with the purchaser of the shares that requires a payment to the revisions to the conversion ratio for its Class B shares. litigation reserve is fully liquidated and at which time the aforementioned approximate $ 0.2 incurred.

FAIR VALUE MEASUREMENTS

FAIR VALUE MEASUREMENTS	3 Months Ended
	Mar. 31, 2022
Fair Value measurements [Abstract]
Fair value measurements	NOTE 9 – FAIR VALUE The fair value of an asset or liability is the price that would be received to sell that asset or paid transaction occurring in the principal market (or most advantageous market in liability. approach and/or the cost approach. assumptions that market participants would use in pricing valuation inputs that gives the highest priority to quoted prices in active markets priority to unobservable inputs. ● Level 1 Inputs - Unadjusted quoted prices in active markets for identical assets or liabilities that the reporting ability to access at the measurement date . ● Level 2 Inputs - Inputs other than quoted prices included in Level 1 that are observable for the asset or liability, or indirectly. These might or similar assets or liabilities in markets that are not active, inputs other liability (such as interest rates, volatilities, prepayment speeds, credit risks, etc.) corroborated, by market data by correlation or other means . ● Level 3 Inputs - Unobservable inputs for determining the fair values of assets or liabilities that reflect an assumptions about the assumptions that market participants would Assets and Liabilities Measured at Fair Value Securities Available for Sale. U.S. Treasury securities are reported at fair value available for sale are reported at fair value utilizing Level 2 inputs. from an independent pricing service. spreads, cash flows, the U.S. Treasury yield curve, and conditions, among other things. In general, the Company does not purchase securities that have a complicated structure. traditional investments, nearly all of which are U.S. Treasur general obligation or revenue-based municipal bonds. will validate prices supplied by the independent pricing service by compari 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 the specific attributes of participants. Mortgage Banking Derivative Instruments. The fair values of interest rate lock commitments (“IRLCs”) are derived by valuation models incorporating market pricing for instruments with similar characteristics, investor commitment prices for best effort IRLCs which have servicing rights expected to be recorded upon sale of the loans, net estimated costs to and are therefore classified as Level 3 within the fair value hierarchy. observable market pricing for similar instruments and are therefore Interest Rate Swap. The Company’s derivative positions models generally accepted in the financial services industry and external market data providers. Fair Value . valuation represents the amount due and payable to the counterparty based upon period. At March 31, 2022, no 0.1 A summary of fair values for assets and liabilities consisted of the following: Level 1 Level 2 Level 3 Total (Dollars in Thousands) Inputs Inputs Inputs Value March 31, 2022 ASSETS: Securities Available for U.S. Government Treasury $ 180,013 $ - $ - $ 180,013 U.S. Government Agency - 224,435 - 224,435 States and Political Subdivisions - 43,350 - 43,350 Mortgage-Backed Securities - 86,063 - 86,063 Corporate Debt Securities - 83,173 - 83,173 Other Securities - 7,327 - 7,327 Loans Held for Sale - 50,815 - 50,815 Interest Rate Swap Derivative - 3,886 - 3,886 Mortgage Banking Hedge Derivative - 850 - 850 Mortgage Banking IRLC Derivative - - 1,117 1,117 Mortgage Servicing Rights - - 7,177 7,177 December 31, 2021 ASSETS: Securities Available for U.S. Government Treasury $ 187,868 $ - $ - $ 187,868 U.S. Government Agency - 237,578 - 237,578 States and Political Subdivisions - 46,980 - 46,980 Mortgage-Backed Securities - 88,869 - 88,869 Corporate Debt Securities - 86,222 - 86,222 Other Securities - 7,094 - 7,094 Loans Held for Sale - 52,532 - 52,532 Interest Rate Swap Derivative - 2,050 - 2,050 Mortgage Banking IRLC Derivative - - 1,258 1,258 Mortgage Servicing Rights - - 4,718 4,718 LIABILITIES: Mortgage Banking Hedge Derivative $ - $ 7 $ - $ 7 Mortgage Banking Activities . 4.3 and $ 13.6 15.4 10.5 three months ended March 31, 2021. inception of the IRLC to the Consolidated Statement of Financial Condition IRLCs transferred out of Level 3 represent IRLCs that were funded and moved Assets Measured at Fair Value Certain assets are measured at fair value on a non-recurring basis (i.e., the but are subject to fair value adjustments in certain circumstances). The following is a description of valuation methodologies used for assets measured Collateral Dependent Loans . costs. regulations. estimation involved in the real estate appraisal process. basis for additional impairment and adjusted accordingly. periods. 1.5 0.1 and $ 2.8 0.2 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 amount. estimated prepayment speeds of the underlying mortgage loans serviced and underlying loans (predominantly loan type and note interest rate). discount rate, weighted average prepayment speed, and the cost of loan provided in Note 4 – Mortgage Banking Activities. no compared to $ 0.3 Assets and Liabilities Disclosed at Fair Value The Company is required to disclose the estimated fair value of financial instruments, practical to estimate fair value and the following is a description of valuation Cash and Short-Term The carrying amount of cash and short-term investments is used to approximate the short time frame to maturity and as such assets do not present unanticipated Securities Held to Maturity . caption “Assets and Liabilities Measured at Fair Value Loans. techniques based upon projected cash flows and estimated discount Recognition and Measurement of Financial Assets and Financial , the values reported reflect the incorporation of a liquidity discount to meet the objective of “exit price” valuation. Deposits. amounts payable on demand at the reporting date. The fair value of fixed maturity value techniques and rates currently offered for deposits of 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 being offered A summary of estimated fair values of significant financial instruments consisted March 31, 2022 Carrying Level 1 Level 2 Level 3 (Dollars in Thousands) Value Inputs Inputs Inputs ASSETS: Cash $ 77,963 $ 77,963 $ - $ - Short-Term Investments 790,465 790,465 - - Investment Securities, Available 624,361 180,013 444,348 - Investment Securities, Held to Maturity 518,678 279,892 221,385 - Equity Securities (1) 855 - 855 - Loans Held for Sale 50,815 - 50,815 - Other Equity Securities (2) 2,898 - 2,898 - Interest Rate Swap Derivative 3,886 - 3,886 - Mortgage Banking Hedge Derivative 850 - 850 - Mortgage Servicing Rights 4,001 - - 7,177 Mortgage Banking IRLC Derivative 1,117 - - 1,117 Loans, Net of Allowance for Credit Losses 1,964,753 - - 1,934,570 LIABILITIES: Deposits $ 3,765,507 $ - $ 3,417,626 $ - Short-Term 30,865 - 30,865 - Subordinated Notes Payable 52,887 - 45,336 - Long-Term Borrowings 806 - 834 - December 31, 2021 Carrying Level 1 Level 2 Level 3 (Dollars in Thousands) Value Inputs Inputs Inputs ASSETS: Cash $ 65,313 $ 65,313 $ - $ - Short-Term Investments 970,041 970,041 - - Investment Securities, Available 654,611 187,868 466,743 - Investment Securities, Held to Maturity 339,601 113,877 225,822 - Equity Securities (1) 861 - 861 - Loans Held for Sale 52,532 - 52,532 - Other Equity Securities (2) 2,848 - 2,848 - Interest Rate Swap Derivative 2,050 - 2,050 - Mortgage Servicing Rights 3,774 - - 4,718 Mortgage Banking IRLC Derivative 1,258 - - 1,258 Loans, Net of Allowance for Credit Losses 1,909,859 - - 1,903,640 LIABILITIES: Deposits $ 3,712,862 $ - $ 3,713,478 $ - Short-Term 34,557 - 34,557 - Subordinated Notes Payable 52,887 - 42,609 - Long-Term Borrowings 884 - 938 - Mortgage Banking Hedge Derivative 7 - 7 - Not readily marketable securities - reflected (2) Accounted for under the equity method – not readily All non-financial instruments are excluded from the above table. aggregate fair value amounts presented do not represent the underlying

ACCUMULATED OTHER COMPREHENSIVE

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)	3 Months Ended
	Mar. 31, 2022
Accumulated other comprehensive income (loss) [Abstract]
Accumulated other comprehensive income	NOTE 10 – ACCUMULATED The amounts allocated to accumulated other comprehensive income Accumulated Securities Other Available Interest Rate Retirement Comprehensive (Dollars in Thousands) Swap Plans Balance as of January 1, 2022 $ (4,588) $ 1,530 $ (13,156) $ (16,214) Other comprehensive (loss) income during the period (19,055) 1,370 156 (17,529) Balance as of March 31, 2022 $ (23,643) $ 2,900 $ (13,000) $ (33,743) Balance as of January 1, 2021 $ 2,700 $ 428 $ (47,270) $ (44,142) Other comprehensive (loss) income during the period (1,458) 1,587 142 271 Balance as of March 31, 2021 $ 1,242 $ 2,015 $ (47,128) $ (43,871)

BUSINESS AND BASIS OF PRESENT_2

BUSINESS AND BASIS OF PRESENTATION (Policies)	3 Months Ended
	Mar. 31, 2022
Business and Basis of Presentation [Abstract]
Nature of Operations	Nature of Operations . related services to individual and corporate clients through its subsidiary, Georgia, and Alabama. government agencies and undergoes periodic examinations
Basis of Presentation	Basis of Presentation . and its wholly owned subsidiary, have been eliminated. The accompanying unaudited consolidated financial statements have principles for interim financial information and with the instructions to they do not include all of the information and notes required by generally accepted statements. presentation have been included. The Consolidated Statement of Financial Condition at December statements at that date, but does not include all of the information and notes complete financial statements. Company’s annual report
Acquisition	Acquisition. April 30, 2021 , a newly formed subsidiary of CCBG, Capital City Strategic Wealth, substantially all of the assets of Strategic Wealth and insurance carrier agreements, and the assignment of all related revenues SWG principles became officers of CCSW and will continue five management services and comprehensive risk management CCBG paid $ 4.5 2.8 1.6
Accounting Standards Updates	Accounting Standards Updates Accounting Standards Update (“ASU”) . Accounting Standards Board ("FASB") Restructurings and Vintage in ASC 310-40, "Receivables - Troubled Debt loss model introduced by ASU 2016-13, “Financial Instruments – Financial Instruments”. origination for financing receivables and net investments in leases within the Credit Losses—Measured at Amortized Cost". 15, 2022, including interim periods within those fiscal years, with early ASU 2022-02 will have on its consolidated financial statements and

INVESTMENT SECURITIES (Tables)

INVESTMENT SECURITIES (Tables)	3 Months Ended
	Mar. 31, 2022
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 fair value securities available-for-sale and securities held-to-maturity and the corresponding Available for Amortized Unrealized Unrealized Allowance for Fair (Dollars in Thousands) Cost Gains Losses Credit Losses Value March 31, 2022 U.S. Government Treasury $ 190,049 $ 15 $ 10,051 $ - $ 180,013 U.S. Government Agency 232,067 547 8,179 - 224,435 States and Political Subdivisions 47,107 11 3,753 (15) 43,350 Mortgage-Backed Securities (1) 91,169 15 5,121 - 86,063 Corporate Debt Securities 88,208 4 5,018 (21) 83,173 Other Securities (2) 7,327 - - - 7,327 Total $ 655,927 $ 592 $ 32,122 $ (36) $ 624,361 December 31, 2021 U.S. Government Treasury $ 190,409 $ 65 $ 2,606 $ - $ 187,868 U.S. Government Agency 238,490 1,229 2,141 - 237,578 States and Political Subdivisions 47,762 44 811 (15) 46,980 Mortgage-Backed Securities (1) 89,440 27 598 - 88,869 Corporate Debt Securities 87,537 10 1,304 (21) 86,222 Other Securities (2) 7,094 - - - 7,094 Total $ 660,732 $ 1,375 $ 7,460 $ (36) $ 654,611 Held to Maturity Amortized Unrealized Unrealized Fair (Dollars in Thousands) Cost Gains Losses Value March 31, 2022 U.S. Government Treasury $ 289,237 $ 10 $ 9,355 $ 279,892 Mortgage-Backed Securities (1) 229,441 414 8,470 221,385 Total $ 518,678 $ 424 $ 17,825 $ 501,277 December 31, 2021 U.S. Government Treasury $ 115,499 $ - $ 1,622 $ 113,877 Mortgage-Backed Securities (1) 224,102 2,819 1,099 225,822 Total $ 339,601 $ 2,819 $ 2,721 $ 339,699 (1) (2) Includes Federal Home Loan Bank and Federal Reserve Bank stock, recorded 2.3 5.1 respectively, 2.0 5.1
Schedule of investment securities with maturity distribution based on contractual maturities	Available for Held to Maturity (Dollars in Thousands) Amortized Cost Fair Value Amortized Cost Fair Value Due in one year or less $ 36,321 $ 34,519 $ - $ - Due after one year through five years 306,432 290,613 289,237 279,892 Due after five year through ten years 62,103 56,445 - - Mortgage-Backed Securities 91,169 86,063 229,441 221,385 U.S. Government Agency 152,575 149,394 - - Equity Securities 7,327 7,327 - - Total $ 655,927 $ 624,361 $ 518,678 $ 501,277
Schedule of investment securities with continuous unrealized loss position	Less Than Greater Than 12 Months 12 Months Total Fair Unrealized Fair Unrealized Fair Unrealized (Dollars in Thousands) Value Losses Value Losses Value Losses March 31, 2022 Available for U.S. Government Treasury $ 117,369 $ 6,723 $ 57,638 $ 3,328 $ 175,007 $ 10,051 U.S. Government Agency 122,572 5,952 43,637 2,227 166,209 8,179 States and Political Subdivisions 42,181 3,719 444 34 42,625 3,753 Mortgage-Backed Securities 85,848 5,121 - - 85,848 5,121 Corporate Debt Securities 79,718 5,018 - - 79,718 5,018 Total 447,688 26,533 101,719 5,589 549,407 32,122 Held to Maturity U.S. Government Treasury 261,362 9,355 - - 261,362 9,355 Mortgage-Backed Securities 166,472 7,633 10,496 837 176,968 8,470 Total $ 427,834 $ 16,988 $ 10,496 $ 837 $ 438,330 $ 17,825 December 31, 2021 Available for U.S. Government Treasury $ 172,206 $ 2,606 $ - $ - $ 172,206 $ 2,606 U.S. Government Agency 127,484 1,786 17,986 355 145,470 2,141 States and Political Subdivisions 42,122 811 - - 42,122 811 Mortgage-Backed Securities 81,832 598 - - 81,832 598 Corporate Debt Securities 69,354 1,304 - - 69,354 1,304 Total $ 492,998 $ 7,105 $ 17,986 $ 355 $ 510,984 $ 7,460 Held to Maturity U.S. Government Treasury 113,877 1,622 - - 113,877 1,622 Mortgage-Backed Securities 115,015 1,099 - - 115,015 1,099 Total $ 228,892 $ 2,721 $ - $ - $ 228,892 $ 2,721

LOANS HELD FOR INVESTMENT AND_2

LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Tables)	3 Months Ended
	Mar. 31, 2022
Loans Held For Investment And Allowance For Credit Losses [Abstract]
Schedule of composition of the loan portfolio	(Dollars in Thousands) March 31, 2022 December 31, 2021 Commercial, Financial and Agricultural $ 230,213 $ 223,086 Real Estate – Construction 174,293 174,394 Real Estate – Commercial Mortgage 669,110 663,550 Real Estate – Residential (1) 374,712 360,021 Real Estate – Home Equity 188,174 187,821 Consumer (2) 349,007 322,593 Loans Held For Investment, Net of Unearned Income $ 1,985,509 $ 1,931,465 (1) Includes loans in process balances of $ 6.7 13.6 (2) Includes overdraft balances of $ 1.2 1.1
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, 2022 Beginning Balance $ 2,191 $ 3,302 $ 5,810 $ 4,129 $ 2,296 $ 3,878 $ 21,606 Provision for Credit Losses (161) (714) (181) 314 (405) 1,068 (79) Charge-Offs (73) - (266) - (33) (1,402) (1,774) Recoveries 165 8 29 27 58 716 1,003 Net (Charge-Offs) Recoveries 92 8 (237) 27 25 (686) (771) Ending Balance $ 2,122 $ 2,596 $ 5,392 $ 4,470 $ 1,916 $ 4,260 $ 20,756 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 (Charge-Offs) Recoveries 67 - 645 69 119 (378) 522 Ending Balance $ 1,957 $ 2,254 $ 6,956 $ 5,204 $ 2,575 $ 3,080 $ 22,026
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, 2022 Commercial, Financial and Agricultural $ 205 $ 79 $ - $ 284 $ 229,898 $ 31 $ 230,213 Real Estate – Construction - - - - 174,293 - 174,293 Real Estate – Commercial Mortgage 502 - - 502 668,186 422 669,110 Real Estate – Residential 474 29 - 503 373,005 1,204 374,712 Real Estate – Home Equity 47 - - 47 187,283 844 188,174 Consumer 1,152 632 - 1,784 346,996 227 349,007 Total $ 2,380 $ 740 $ - $ 3,120 $ 1,979,661 $ 2,728 $ 1,985,509 December 31, 2021 Commercial, Financial and Agricultural $ 100 $ 23 $ - $ 123 $ 222,873 $ 90 $ 223,086 Real Estate – Construction - - - - 174,394 - 174,394 Real Estate – Commercial Mortgage 151 - - 151 662,795 604 663,550 Real Estate – Residential 365 151 - 516 357,408 2,097 360,021 Real Estate – Home Equity 210 - - 210 186,292 1,319 187,821 Consumer 1,964 636 - 2,600 319,781 212 322,593 Total $ 2,790 $ 810 $ - $ 3,600 $ 1,923,543 $ 4,322 $ 1,931,465
Schedule of recorded investment in nonaccrual loans and loans past due over 90 days and still on accrual by class of loans	March 31, 2022 December 31, 2021 Nonaccrual Nonaccrual Nonaccrual Nonaccrual With No With 90 + Days With No With 90 + Days (Dollars in Thousands) ACL ACL Still Accruing ACL ACL Still Accruing Commercial, Financial and Agricultural $ - $ 31 $ - $ 67 $ 23 $ - Real Estate – Construction - - - - - - Real Estate – Commercial Mortgage - 422 - - 604 - Real Estate – Residential 728 476 - 928 1,169 - Real Estate – Home Equity - 844 - 463 856 - Consumer - 227 - - 212 - Total Nonaccrual $ 728 $ 2,000 $ - $ 1,458 $ 2,864 $ -
Amortized cost basis of collateral-dependent loans	March 31, 2022 December 31, 2021 Real Estate Non Real Estate Real Estate Non Real Estate (Dollars in Thousands) Secured Secured Secured Secured Commercial, Financial and Agricultural $ - $ - $ - $ 67 Real Estate – Construction - - - - Real Estate – Commercial Mortgage - - 455 - Real Estate – Residential 855 - 1,645 - Real Estate – Home Equity 601 - 649 - Consumer - - - - Total Collateral Dependent $ 1,456 $ - $ 2,749 $ 67
Summary of gross loans held for investment by years of origination	Term Revolving (Dollars in Thousands) 2022 2021 2020 2019 2018 Prior Loans Total Commercial, Financial, Agriculture: Pass $ 22,526 $ 60,369 $ 27,910 $ 26,368 $ 18,565 $ 18,863 $ 54,707 $ 229,308 Special Mention - 100 187 268 16 24 - 595 Substandard - - 58 - 184 68 - 310 Total $ 22,526 $ 60,469 $ 28,155 $ 26,636 $ 18,765 $ 18,955 $ 54,707 $ 230,213 Real Estate - Construction: Pass $ 11,641 $ 109,459 $ 42,522 $ 8,684 $ - $ 129 $ 1,858 $ 174,293 Total $ 11,641 $ 109,459 $ 42,522 $ 8,684 $ - $ 129 $ 1,858 $ 174,293 Real Estate - Commercial Mortgage: Pass $ 50,302 $ 165,574 $ 123,213 $ 73,444 $ 73,824 $ 131,407 $ 26,092 $ 643,856 Special Mention - - 410 1,750 2,615 5,761 1,250 11,786 Substandard - 10,055 405 640 - 2,298 70 13,468 Total $ 50,302 $ 175,629 $ 124,028 $ 75,834 $ 76,439 $ 139,466 $ 27,412 $ 669,110 Real Estate - Residential: Pass $ 46,698 $ 117,058 $ 55,670 $ 34,111 $ 23,957 $ 81,162 $ 6,255 $ 364,911 Special Mention 61 - 132 18 60 570 1,348 2,189 Substandard 74 576 1,007 1,085 971 3,899 - 7,612 Total $ 46,833 $ 117,634 $ 56,809 $ 35,214 $ 24,988 $ 85,631 $ 7,603 $ 374,712 Real Estate - Home Equity: Performing $ - $ 146 $ 13 $ 255 $ 130 $ 2,191 $ 184,595 $ 187,330 Nonperforming - - - 17 - - 827 844 Total $ - $ 146 $ 13 $ 272 $ 130 $ 2,191 $ 185,422 $ 188,174 Consumer: Performing $ 61,883 $ 159,135 $ 56,232 $ 33,402 $ 22,026 $ 10,370 $ 5,731 $ 348,779 Nonperforming - 58 59 22 58 31 - 228 Total $ 61,883 $ 159,193 $ 56,291 $ 33,424 $ 22,084 $ 10,401 $ 5,731 $ 349,007

MORTGAGE BANKING ACTIVITIES (Ta

MORTGAGE BANKING ACTIVITIES (Tables)	3 Months Ended
	Mar. 31, 2022
Mortgage Banking Activities [Abstract]
Residential Mortgage Loan Production	March 31, 2022 December 31, 2021 Unpaid Principal Unpaid Principal (Dollars in Thousands) Balance/Notional Fair Value Balance/Notional Fair Value Residential Mortgage Loans Held for Sale $ 49,991 $ 50,815 $ 50,733 $ 52,532 Residential Mortgage Loan Commitments ("IRLCs") (1) 99,399 1,117 51,883 1,258 Forward Sales Contracts (2) 55,000 850 48,000 (7) $ 52,782 $ 53,783 (1) Recorded in other assets at fair value (2) Recorded in other assets and other liabilities at fair value
Mortgage banking revenue	Three Months Ended March 31, (Dollars in Thousands) 2022 2021 Net realized gains on sales of mortgage loans $ 5,136 $ 14,424 Net change in unrealized gain on mortgage loans held for sale (975) (2,031) Net change in the fair value of mortgage loan commitments (IRLCs) (141) (1,843) Net change in the fair value of forward sales contracts 857 2,263 Pair-Offs on net settlement of forward sales contracts 2,255 3,310 Mortgage servicing rights additions 632 187 Net origination fees 1,182 815 Total mortgage banking $ 8,946 $ 17,125
Summary of mortgage servicing rights	(Dollars in Thousands) March 31, 2022 December 31, 2021 Number of residential mortgage loans serviced for others 2,224 2,106 Outstanding principal balance of residential mortgage loans serviced $ 577,297 $ 532,967 Weighted average 3.62% 3.59% Remaining contractual term (in months) 317 317
Summary of mortgage servicing rights	Three Months Ended March 31, (Dollars in Thousands) 2022 2021 Beginning balance $ 3,774 $ 3,452 Additions due to loans sold with servicing retained 632 187 Deletions and amortization (405) (306) Valuation - 250 Ending balance $ 4,001 $ 3,583
Key unobservable inputs used in determining the fair value of mortgage servicing rights	March 31, 2022 December 31, 2021 Minimum Maximum Minimum Maximum Discount rates 10.00% 15.00% 11.00% 15.00% Annual prepayment speeds 7.12% 19.55% 11.98% 23.79% Cost of servicing (per loan) $ 60 $ 73 $ 60 $ 73
Warehouse Line Borrowings	Amounts (Dollars in Thousands) Outstanding $ 75 1.00% to plus 1.00% , with a floor rate of 3.25% . 0.5 6,705 $ 75 November 2022 . 2.25% , to 3.25% . 19,191 Total Warehouse $ 25,896

DERIVATIVES (Tables)

DERIVATIVES (Tables)	3 Months Ended
	Mar. 31, 2022
Derivatives [Abstract]
Cash flow hedges included in the Consolidated Statement of Financial Condition	Statement of Financial Notional Fair Weighted Average (Dollars in Thousands) Condition Location Amount Value March 31, 2022 Interest rate swaps related to subordinated debt Other Assets $ 30,000 $ 3,886 8.3 December 31, 2021 Interest rate swaps related to subordinated debt Other Assets $ 30,000 $ 2,050 8.5
Net gains (losses) recorded in accumulated other comprehensive income	Amount of Gain Amount of Gain (Loss) Recognized (Loss) Reclassified (Dollars in Thousands) Category in AOCI from AOCI to Income Three months ended March 31, 2022 Interest expense $ 1,370 $ (28) Three months ended March 31, 2021 Interest expense $ 1,587 (33)

LEASES (Tables)

LEASES (Tables)	3 Months Ended
	Mar. 31, 2022
Leases [Abstract]
Summary of lease expense and other information related to operating leases	Three Months Ended March 31, (Dollars in Thousands) 2022 2021 Operating lease expense $ 384 $ 344 Short-term lease expense 179 140 Total lease expense $ 563 $ 484 Other information: Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 429 $ 385 Right-of-use assets obtained in exchange for new operating lease liabilities 592 75 Weighted average 24.9 25.5 Weighted average 2.0% 2.1%
Summary of maturity of remaining lease liabilities	The table below summarizes the maturity of remaining lease liabilities: (Dollars in Thousands) March 31, 2022 2022 $ 1,581 2023 1,190 2024 1,120 2025 977 2026 875 2027 and thereafter 10,341 Total $ 16,084 Less: Interest (3,773) Present Value $ 12,311

EMPLOYEE BENEFIT PLANS (Tables)

EMPLOYEE BENEFIT PLANS (Tables)	3 Months Ended
	Mar. 31, 2022
Defined Benefit Plan Disclosure [Line Items]
Schedule of Components of Net Periodic Benefit Cost	Three Months Ended March 31, (Dollars in Thousands) 2022 2021 Service Cost $ 1,572 $ 1,743 Interest Cost 1,166 1,221 Expected Return on Plan Assets (2,675) (2,787) Prior Service Cost Amortization 4 4 Net Loss Amortization 428 1,691 Pension Settlement 209 - Net Periodic Benefit Cost $ 704 $ 1,872 Discount Rate Used for Benefit Cost 3.11% 2.88% Long-term Rate of Return on Assets 6.75% 6.75%
Supplemental Executive Retirement Plan [Member]
Defined Benefit Plan Disclosure [Line Items]
Schedule of Components of Net Periodic Benefit Cost	The components of the net periodic benefit cost for the Company's SERP plans were as follows: Three Months Ended March 31, (Dollars in Thousands) 2022 2021 Service Cost $ 8 $ 9 Interest Cost 79 59 Prior Service Cost Amortization 69 19 Net Loss Amortization 180 198 Net Periodic Benefit Cost $ 336 $ 285 Discount Rate Used for Benefit Cost 2.80% 2.38%

COMMITMENTS AND CONTINGENCIES (

COMMITMENTS AND CONTINGENCIES (Tables)	3 Months Ended
	Mar. 31, 2022
Commitments and Contingencies [Abstract]
Schedule of amounts associated with the entities off-balance sheet obligations	March 31, 2022 December 31, 2021 (Dollars in Thousands) Fixed Variable Total Fixed Variable Total Commitments to Extend Credit $ 200,236 $ 563,634 $ 763,870 $ 217,531 $ 505,897 $ 723,428 Standby Letters of Credit 5,020 - 5,020 5,205 - 5,205 Total $ 205,256 $ 563,634 $ 768,890 $ 222,736 $ 505,897 $ 728,633 (1) Commitments include unfunded loans, revolving
Allowance for credit losses for off-balance sheet credit commitments	Three Months Ended March 31, (Dollars in Thousands) 2022 2021 Beginning Balance $ 2,897 $ 1,644 Provision for Credit Losses 79 1,330 Ending Balance $ 2,976 $ 2,974

FAIR VALUE MEASUREMENTS (Tables

FAIR VALUE MEASUREMENTS (Tables)	3 Months Ended
	Mar. 31, 2022
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, 2022 ASSETS: Securities Available for U.S. Government Treasury $ 180,013 $ - $ - $ 180,013 U.S. Government Agency - 224,435 - 224,435 States and Political Subdivisions - 43,350 - 43,350 Mortgage-Backed Securities - 86,063 - 86,063 Corporate Debt Securities - 83,173 - 83,173 Other Securities - 7,327 - 7,327 Loans Held for Sale - 50,815 - 50,815 Interest Rate Swap Derivative - 3,886 - 3,886 Mortgage Banking Hedge Derivative - 850 - 850 Mortgage Banking IRLC Derivative - - 1,117 1,117 Mortgage Servicing Rights - - 7,177 7,177 December 31, 2021 ASSETS: Securities Available for U.S. Government Treasury $ 187,868 $ - $ - $ 187,868 U.S. Government Agency - 237,578 - 237,578 States and Political Subdivisions - 46,980 - 46,980 Mortgage-Backed Securities - 88,869 - 88,869 Corporate Debt Securities - 86,222 - 86,222 Other Securities - 7,094 - 7,094 Loans Held for Sale - 52,532 - 52,532 Interest Rate Swap Derivative - 2,050 - 2,050 Mortgage Banking IRLC Derivative - - 1,258 1,258 Mortgage Servicing Rights - - 4,718 4,718 LIABILITIES: Mortgage Banking Hedge Derivative $ - $ 7 $ - $ 7
Schedule of financial instruments with estimated fair values	March 31, 2022 Carrying Level 1 Level 2 Level 3 (Dollars in Thousands) Value Inputs Inputs Inputs ASSETS: Cash $ 77,963 $ 77,963 $ - $ - Short-Term Investments 790,465 790,465 - - Investment Securities, Available 624,361 180,013 444,348 - Investment Securities, Held to Maturity 518,678 279,892 221,385 - Equity Securities (1) 855 - 855 - Loans Held for Sale 50,815 - 50,815 - Other Equity Securities (2) 2,898 - 2,898 - Interest Rate Swap Derivative 3,886 - 3,886 - Mortgage Banking Hedge Derivative 850 - 850 - Mortgage Servicing Rights 4,001 - - 7,177 Mortgage Banking IRLC Derivative 1,117 - - 1,117 Loans, Net of Allowance for Credit Losses 1,964,753 - - 1,934,570 LIABILITIES: Deposits $ 3,765,507 $ - $ 3,417,626 $ - Short-Term 30,865 - 30,865 - Subordinated Notes Payable 52,887 - 45,336 - Long-Term Borrowings 806 - 834 - December 31, 2021 Carrying Level 1 Level 2 Level 3 (Dollars in Thousands) Value Inputs Inputs Inputs ASSETS: Cash $ 65,313 $ 65,313 $ - $ - Short-Term Investments 970,041 970,041 - - Investment Securities, Available 654,611 187,868 466,743 - Investment Securities, Held to Maturity 339,601 113,877 225,822 - Equity Securities (1) 861 - 861 - Loans Held for Sale 52,532 - 52,532 - Other Equity Securities (2) 2,848 - 2,848 - Interest Rate Swap Derivative 2,050 - 2,050 - Mortgage Servicing Rights 3,774 - - 4,718 Mortgage Banking IRLC Derivative 1,258 - - 1,258 Loans, Net of Allowance for Credit Losses 1,909,859 - - 1,903,640 LIABILITIES: Deposits $ 3,712,862 $ - $ 3,713,478 $ - Short-Term 34,557 - 34,557 - Subordinated Notes Payable 52,887 - 42,609 - Long-Term Borrowings 884 - 938 - Mortgage Banking Hedge Derivative 7 - 7 - Not readily marketable securities - reflected (2) Accounted for under the equity method – not readily

ACCUMULATED OTHER COMPREHENSI_2

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (Tables)	3 Months Ended
	Mar. 31, 2022
Accumulated other comprehensive income (loss) [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, 2022 $ (4,588) $ 1,530 $ (13,156) $ (16,214) Other comprehensive (loss) income during the period (19,055) 1,370 156 (17,529) Balance as of March 31, 2022 $ (23,643) $ 2,900 $ (13,000) $ (33,743) Balance as of January 1, 2021 $ 2,700 $ 428 $ (47,270) $ (44,142) Other comprehensive (loss) income during the period (1,458) 1,587 142 271 Balance as of March 31, 2021 $ 1,242 $ 2,015 $ (47,128) $ (43,871)

BUSINESS AND BASIS OF PRESENT_3

BUSINESS AND BASIS OF PRESENTATION - Narrative (Details) - Strategic Wealth Group, LLC [Member] $ in Millions	Apr. 30, 2021USD ($)BankingOffices	Mar. 31, 2022
Business Acquisition [Line Items]
Business Acquisition, Effective Date of Acquisition		Apr. 30, 2021
Payments to Acquire Businesses, Gross	$ 4.5
Intangible asset acquired	1.6
Goodwill acquired	$ 2.8
Number of offices acquired | BankingOffices	5

INVESTMENT SECURITIES (Investme

INVESTMENT SECURITIES (Investment Portfolio Composition) (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Available-for-sale
Amortized cost	$ 655,927	$ 660,732
Unrealized Gains	592	1,375
Unrealized Losses	32,122	7,460
Allowance for Credit Losses	(36)	(36)
Fair Value	624,361	654,611
Federal Home Loan Bank	2,300	2,000
Federal Reserve Bank stock	5,100	5,100
Held to Maturity
Amortized Cost	518,678	339,601
Unrealized Gains	424	2,819
Unrealized Losses	17,825	2,721
Fair Value	501,277	339,699
U.S. Government Treasury [Member]
Available-for-sale
Amortized cost	190,049	190,409
Unrealized Gains	15	65
Unrealized Losses	10,051	2,606
Allowance for Credit Losses	0	0
Fair Value	180,013	187,868
Held to Maturity
Amortized Cost	289,237	115,499
Unrealized Gains	10	0
Unrealized Losses	9,355	1,622
Fair Value	279,892	113,877
U.S. Government Agency [Member]
Available-for-sale
Amortized cost	232,067	238,490
Unrealized Gains	547	1,229
Unrealized Losses	8,179	2,141
Allowance for Credit Losses	0	0
Fair Value	224,435	237,578
States and Political Subdivisions [Member]
Available-for-sale
Amortized cost	47,107	47,762
Unrealized Gains	11	44
Unrealized Losses	3,753	811
Allowance for Credit Losses	(15)	(15)
Fair Value	43,350	46,980
Mortgage-Backed Securities [Member]
Available-for-sale
Amortized cost	91,169	89,440
Unrealized Gains	15	27
Unrealized Losses	5,121	598
Allowance for Credit Losses	0	0
Fair Value	86,063	88,869
Held to Maturity
Amortized Cost	229,441	224,102
Unrealized Gains	414	2,819
Unrealized Losses	8,470	1,099
Fair Value	221,385	225,822
Corporate Debt Securities [Member]
Available-for-sale
Amortized cost	88,208	87,537
Unrealized Gains	4	10
Unrealized Losses	5,018	1,304
Allowance for Credit Losses	(21)	(21)
Fair Value	83,173	86,222
Other Securities [Member]
Available-for-sale
Amortized cost	7,327	7,094
Unrealized Gains	0	0
Unrealized Losses	0	0
Allowance for Credit Losses	0	0
Fair Value	$ 7,327	$ 7,094

INVESTMENT SECURITIES (Maturity

INVESTMENT SECURITIES (Maturity Distribution) (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Amortized Cost
Due in one year or less	$ 36,321
Due after one through five years	306,432
Due after five year through ten years	62,103
Total Amortized cost	655,927	$ 660,732
Market Value
Due in one year or less	34,519
Due after one through five years	290,613
Due after five year through ten years	56,445
Fair Value	624,361	654,611
Amortized Cost
Due in one year or less	0
Due after one through five years	289,237
Due after five year through ten years	0
Total Investment Securities	518,678	339,601
Fair Value
Due in one year or less	0
Due after five year through ten years	279,892
Due after five year through ten years	0
Fair Value	501,277	339,699
Mortgage-Backed Securities [Member]
Amortized Cost
Due without single maturity date	91,169
Total Amortized cost	91,169	89,440
Market Value
Due without single maturity date	86,063
Fair Value	86,063	88,869
Amortized Cost
Due without single maturity date	229,441
Total Investment Securities	229,441	224,102
Fair Value
Due without single maturity date	221,385
Fair Value	221,385	225,822
U.S. Government Agency [Member]
Amortized Cost
Due without single maturity date	152,575
Total Amortized cost	232,067	238,490
Market Value
Due without single maturity date	149,394
Fair Value	224,435	$ 237,578
Amortized Cost
Due without single maturity date	0
Fair Value
Due without single maturity date	0
Equity Securities [Member]
Amortized Cost
Due without single maturity date	7,327
Market Value
Due without single maturity date	7,327
Amortized Cost
Due without single maturity date	0
Fair Value
Due without single maturity date	$ 0

INVESTMENT SECURITIES (Unrealiz

INVESTMENT SECURITIES (Unrealized Losses on Investment Securities) (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Available-for-sale securities
Less Than 12 Months, Fair Value	$ 447,688	$ 492,998
Less Than 12 Months, Unrealized Losses	26,533	7,105
Greater Than 12 Months, Fair Value	101,719	17,986
Greater Than 12 Months, Unrealized Losses	5,589	355
Total Fair Value	549,407	510,984
Total Unrealized Losses	32,122	7,460
Held-to-maturity, Debt Securities
Less Than 12 Months, Fair Value	427,834	228,892
Less Than 12 Months, Unrealized Losses	16,988	2,721
Greater Than 12 Months, Fair Value	10,496	0
Greater Than 12 Months, Unrealized Losses	837	0
Total Fair Value	438,330	228,892
Total Unrealized Losses	17,825	2,721
U.S. Government Treasury [Member]
Available-for-sale securities
Less Than 12 Months, Fair Value	117,369	172,206
Less Than 12 Months, Unrealized Losses	6,723	2,606
Greater Than 12 Months, Fair Value	57,638	0
Greater Than 12 Months, Unrealized Losses	3,328	0
Total Fair Value	175,007	172,206
Total Unrealized Losses	10,051	2,606
Held-to-maturity, Debt Securities
Less Than 12 Months, Fair Value	261,362	113,877
Less Than 12 Months, Unrealized Losses	9,355	1,622
Greater Than 12 Months, Fair Value	0	0
Greater Than 12 Months, Unrealized Losses	0	0
Total Fair Value	261,362	113,877
Total Unrealized Losses	9,355	1,622
U.S. Government Agency [Member]
Available-for-sale securities
Less Than 12 Months, Fair Value	122,572	127,484
Less Than 12 Months, Unrealized Losses	5,952	1,786
Greater Than 12 Months, Fair Value	43,637	17,986
Greater Than 12 Months, Unrealized Losses	2,227	355
Total Fair Value	166,209	145,470
Total Unrealized Losses	8,179	2,141
States and Political Subdivisions [Member]
Available-for-sale securities
Less Than 12 Months, Fair Value	42,181	42,122
Less Than 12 Months, Unrealized Losses	3,719	811
Greater Than 12 Months, Fair Value	444	0
Greater Than 12 Months, Unrealized Losses	34	0
Total Fair Value	42,625	42,122
Total Unrealized Losses	3,753	811
Mortgage-Backed Securities [Member]
Available-for-sale securities
Less Than 12 Months, Fair Value	85,848	81,832
Less Than 12 Months, Unrealized Losses	5,121	598
Greater Than 12 Months, Fair Value	0	0
Greater Than 12 Months, Unrealized Losses	0	0
Total Fair Value	85,848	81,832
Total Unrealized Losses	5,121	598
Held-to-maturity, Debt Securities
Less Than 12 Months, Fair Value	166,472	115,015
Less Than 12 Months, Unrealized Losses	7,633	1,099
Greater Than 12 Months, Fair Value	10,496	0
Greater Than 12 Months, Unrealized Losses	837	0
Total Fair Value	176,968	115,015
Total Unrealized Losses	8,470	1,099
Corporate Debt Securities [Member]
Available-for-sale securities
Less Than 12 Months, Fair Value	79,718	69,354
Less Than 12 Months, Unrealized Losses	5,018	1,304
Greater Than 12 Months, Fair Value	0	0
Greater Than 12 Months, Unrealized Losses	0	0
Total Fair Value	79,718	69,354
Total Unrealized Losses	$ 5,018	$ 1,304

INVESTMENT SECURITIES (Narrativ

INVESTMENT SECURITIES (Narrative) (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2022USD ($)Investment_Positions	Mar. 31, 2021USD ($)	Dec. 31, 2021USD ($)	Dec. 31, 2020USD ($)
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	673
Available-for-sale Securities and Held-To-Maturity, Continuous Unrealized Loss Position Fair Value, Total	$ 49,900
Financing Receivable, Allowance for Credit Loss	20,756	$ 22,026	$ 21,606	$ 23,816
Securities pledged to secure public deposits	453,300		463,800
Equity Securities	855		$ 861
Sales of investment securities	3,365	$ 0
AFS and HTM [Member]
Schedule of Available-for-sale Securities [Line Items]
Financing Receivable, Allowance for Credit Loss	$ 100
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	553
Corporate debt and asset backed 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	72
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	48

LOANS HELD FOR INVESTMENT AND_3

LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Portfolio Composition) (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Loan Portfolio Composition
Loans Held For Investment, Net of Unearned Income	$ 1,985,509	$ 1,931,465
Commercial, Financial and Agricultural [Member]
Loan Portfolio Composition
Loans Held For Investment, Net of Unearned Income	230,213	223,086
Real Estate - Construction [Member]
Loan Portfolio Composition
Loans Held For Investment, Net of Unearned Income	174,293	174,394
Real Estate - Commercial Mortgage [Member]
Loan Portfolio Composition
Loans Held For Investment, Net of Unearned Income	669,110	663,550
Real Estate - Residential [Member]
Loan Portfolio Composition
Loans Held For Investment, Net of Unearned Income	374,712	360,021
Loans in Process with outstanding balances	6,700	13,600
Real Estate - Home Equity [Member]
Loan Portfolio Composition
Loans Held For Investment, Net of Unearned Income	188,174	187,821
Consumer [Member]
Loan Portfolio Composition
Loans Held For Investment, Net of Unearned Income	349,007	322,593
Overdraft Balances	$ 1,200	$ 1,100

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, 2022	Mar. 31, 2021
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	$ 21,606	$ 23,816
Provision for Credit Losses	(79)	(2,312)
Charge-Offs	(1,774)	(1,136)
Recoveries	1,003	1,658
Net (Charge-Offs) Recoveries	(771)	522
Ending Balance	20,756	22,026
Commercial, Financial and Agricultural [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	2,191	2,204
Provision for Credit Losses	(161)	(314)
Charge-Offs	(73)	(69)
Recoveries	165	136
Net (Charge-Offs) Recoveries	92	67
Ending Balance	2,122	1,957
Real Estate - Construction [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	3,302	2,479
Provision for Credit Losses	(714)	(225)
Charge-Offs	0	0
Recoveries	8	0
Net (Charge-Offs) Recoveries	8	0
Ending Balance	2,596	2,254
Real Estate - Commercial Mortgage [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	5,810	7,029
Provision for Credit Losses	(181)	(718)
Charge-Offs	(266)	0
Recoveries	29	645
Net (Charge-Offs) Recoveries	(237)	645
Ending Balance	5,392	6,956
Real Estate - Residential [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	4,129	5,440
Provision for Credit Losses	314	(305)
Charge-Offs	0	(6)
Recoveries	27	75
Net (Charge-Offs) Recoveries	27	69
Ending Balance	4,470	5,204
Real Estate - Home Equity [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	2,296	3,111
Provision for Credit Losses	(405)	(655)
Charge-Offs	(33)	(5)
Recoveries	58	124
Net (Charge-Offs) Recoveries	25	119
Ending Balance	1,916	2,575
Consumer [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	3,878	3,553
Provision for Credit Losses	1,068	(95)
Charge-Offs	(1,402)	(1,056)
Recoveries	716	678
Net (Charge-Offs) Recoveries	(686)	(378)
Ending Balance	$ 4,260	$ 3,080

LOANS HELD FOR INVESTMENT AND_5

LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Loan Portfolio Aging) (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loans	$ 2,728	$ 4,322
Total Loans	1,985,509	1,931,465
Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	3,120	3,600
Total Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	1,979,661	1,923,543
30-59 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	2,380	2,790
60-89 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	740	810
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	230,213
Nonaccrual loans	31	90
Total Loans	230,213	223,086
Commercial, Financial and Agricultural [Member] | Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	284	123
Commercial, Financial and Agricultural [Member] | Total Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	229,898	222,873
Commercial, Financial and Agricultural [Member] | 30-59 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	205	100
Commercial, Financial and Agricultural [Member] | 60-89 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	79	23
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	174,293
Nonaccrual loans	0	0
Total Loans	174,293	174,394
Real Estate - Construction [Member] | Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	0	0
Real Estate - Construction [Member] | Total Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	174,293	174,394
Real Estate - Construction [Member] | 30-59 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	0	0
Real Estate - Construction [Member] | 60-89 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	0	0
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	669,110
Nonaccrual loans	422	604
Total Loans	669,110	663,550
Real Estate - Commercial Mortgage [Member] | Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	502	151
Real Estate - Commercial Mortgage [Member] | Total Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	668,186	662,795
Real Estate - Commercial Mortgage [Member] | 30-59 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	502	151
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	374,712
Nonaccrual loans	1,204	2,097
Total Loans	374,712	360,021
Real Estate - Residential [Member] | Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	503	516
Real Estate - Residential [Member] | Total Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	373,005	357,408
Real Estate - Residential [Member] | 30-59 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	474	365
Real Estate - Residential [Member] | 60-89 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	29	151
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	188,174
Nonaccrual loans	844	1,319
Total Loans	188,174	187,821
Real Estate - Home Equity [Member] | Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	47	210
Real Estate - Home Equity [Member] | Total Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	187,283	186,292
Real Estate - Home Equity [Member] | 30-59 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	47	210
Real Estate - Home Equity [Member] | 60-89 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	0	0
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	349,007
Nonaccrual loans	227	212
Total Loans	349,007	322,593
Consumer [Member] | Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	1,784	2,600
Consumer [Member] | Total Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	346,996	319,781
Consumer [Member] | 30-59 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	1,152	1,964
Consumer [Member] | 60-89 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	632	636
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, 2022	Dec. 31, 2021
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual, with ACL	$ 728	$ 1,458
Nonaccrual With No ACL	2,000	2,864
90+ Days Still Accruing	0	0
Commercial, Financial and Agricultural [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual, with ACL	0	67
Nonaccrual With No ACL	31	23
90+ Days Still Accruing	0	0
Real Estate - Construction [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual, with ACL	0	0
Nonaccrual With No ACL	0	0
90+ Days Still Accruing	0	0
Real Estate - Commercial Mortgage [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual, with ACL	0	0
Nonaccrual With No ACL	422	604
90+ Days Still Accruing	0	0
Real Estate - Residential [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual, with ACL	728	928
Nonaccrual With No ACL	476	1,169
90+ Days Still Accruing	0	0
Real Estate - Home Equity [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual, with ACL	0	463
Nonaccrual With No ACL	844	856
90+ Days Still Accruing	0	0
Consumer [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual, with ACL	0	0
Nonaccrual With No ACL	227	212
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, 2022	Dec. 31, 2021
Asset Pledged as Collateral [Member]
Loans and Leases Receivable Disclosure [Line Items]
Financing Receivable	$ 2,800	$ 1,500
Real estate secured [Member] | Asset Pledged as Collateral [Member]
Loans and Leases Receivable Disclosure [Line Items]
Financing Receivable	1,456	2,749
Non real estate secured [Member] | Asset Pledged as Collateral [Member]
Loans and Leases Receivable Disclosure [Line Items]
Financing Receivable	0	67
Commercial, Financial and Agricultural [Member]
Loans and Leases Receivable Disclosure [Line Items]
Financing Receivable	230,213
Commercial, Financial and Agricultural [Member] | Real estate secured [Member] | Asset Pledged as Collateral [Member]
Loans and Leases Receivable Disclosure [Line Items]
Financing Receivable	0	0
Commercial, Financial and Agricultural [Member] | Non real estate secured [Member] | Asset Pledged as Collateral [Member]
Loans and Leases Receivable Disclosure [Line Items]
Financing Receivable	0	67
Real Estate - Construction [Member]
Loans and Leases Receivable Disclosure [Line Items]
Financing Receivable	174,293
Real Estate - Construction [Member] | Real estate secured [Member] | Asset Pledged as Collateral [Member]
Loans and Leases Receivable Disclosure [Line Items]
Financing Receivable	0	0
Real Estate - Construction [Member] | Non real estate secured [Member] | Asset Pledged as Collateral [Member]
Loans and Leases Receivable Disclosure [Line Items]
Financing Receivable	0	0
Real Estate - Commercial Mortgage [Member]
Loans and Leases Receivable Disclosure [Line Items]
Financing Receivable	669,110
Real Estate - Commercial Mortgage [Member] | Real estate secured [Member] | Asset Pledged as Collateral [Member]
Loans and Leases Receivable Disclosure [Line Items]
Financing Receivable	0	455
Real Estate - Commercial Mortgage [Member] | Non real estate secured [Member] | Asset Pledged as Collateral [Member]
Loans and Leases Receivable Disclosure [Line Items]
Financing Receivable	0	0
Real Estate - Residential [Member]
Loans and Leases Receivable Disclosure [Line Items]
Financing Receivable	374,712
Real Estate - Residential [Member] | Real estate secured [Member] | Asset Pledged as Collateral [Member]
Loans and Leases Receivable Disclosure [Line Items]
Financing Receivable	855	1,645
Real Estate - Residential [Member] | Non real estate secured [Member] | Asset Pledged as Collateral [Member]
Loans and Leases Receivable Disclosure [Line Items]
Financing Receivable	0	0
Real Estate - Home Equity [Member]
Loans and Leases Receivable Disclosure [Line Items]
Financing Receivable	188,174
Real Estate - Home Equity [Member] | Real estate secured [Member] | Asset Pledged as Collateral [Member]
Loans and Leases Receivable Disclosure [Line Items]
Financing Receivable	601	649
Real Estate - Home Equity [Member] | Non real estate secured [Member] | Asset Pledged as Collateral [Member]
Loans and Leases Receivable Disclosure [Line Items]
Financing Receivable	0	0
Consumer [Member]
Loans and Leases Receivable Disclosure [Line Items]
Financing Receivable	349,007
Consumer [Member] | Real estate secured [Member] | Asset Pledged as Collateral [Member]
Loans and Leases Receivable Disclosure [Line Items]
Financing Receivable	0	0
Consumer [Member] | Non real estate secured [Member] | Asset Pledged as Collateral [Member]
Loans and Leases Receivable Disclosure [Line Items]
Financing Receivable	$ 0	$ 0

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, 2022USD ($)
Commercial, Financial and Agricultural [Member]
Financing Receivable, Recorded Investment [Line Items]
2022	$ 22,526
2021	60,469
2020	28,155
2019	26,636
2018	18,765
Prior	18,955
Revolving Loans	54,707
Total	230,213
Real Estate - Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
2022	11,641
2021	109,459
2020	42,522
2019	8,684
2018	0
Prior	129
Revolving Loans	1,858
Total	174,293
Real Estate - Commercial Mortgage [Member]
Financing Receivable, Recorded Investment [Line Items]
2022	50,302
2021	175,629
2020	124,028
2019	75,834
2018	76,439
Prior	139,466
Revolving Loans	27,412
Total	669,110
Real Estate - Residential [Member]
Financing Receivable, Recorded Investment [Line Items]
2022	46,833
2021	117,634
2020	56,809
2019	35,214
2018	24,988
Prior	85,631
Revolving Loans	7,603
Total	374,712
Real Estate - Home Equity [Member]
Financing Receivable, Recorded Investment [Line Items]
2022	0
2021	146
2020	13
2019	272
2018	130
Prior	2,191
Revolving Loans	185,422
Total	188,174
Real Estate - Home Equity [Member] | Performing Financial Instruments [Member]
Financing Receivable, Recorded Investment [Line Items]
2022	0
2021	146
2020	13
2019	255
2018	130
Prior	2,191
Revolving Loans	184,595
Total	187,330
Real Estate - Home Equity [Member] | Nonperforming Financial Instruments [Member]
Financing Receivable, Recorded Investment [Line Items]
2022	0
2021	0
2020	0
2019	17
2018	0
Prior	0
Revolving Loans	827
Total	844
Consumer [Member]
Financing Receivable, Recorded Investment [Line Items]
2022	61,883
2021	159,193
2020	56,291
2019	33,424
2018	22,084
Prior	10,401
Revolving Loans	5,731
Total	349,007
Consumer [Member] | Performing Financial Instruments [Member]
Financing Receivable, Recorded Investment [Line Items]
2022	61,883
2021	159,135
2020	56,232
2019	33,402
2018	22,026
Prior	10,370
Revolving Loans	5,731
Total	348,779
Consumer [Member] | Nonperforming Financial Instruments [Member]
Financing Receivable, Recorded Investment [Line Items]
2022	0
2021	58
2020	59
2019	22
2018	58
Prior	31
Revolving Loans	0
Total	228
Pass [Member] | Commercial, Financial and Agricultural [Member]
Financing Receivable, Recorded Investment [Line Items]
2022	22,526
2021	60,369
2020	27,910
2019	26,368
2018	18,565
Prior	18,863
Revolving Loans	54,707
Total	229,308
Pass [Member] | Real Estate - Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
2022	11,641
2021	109,459
2020	42,522
2019	8,684
2018	0
Prior	129
Revolving Loans	1,858
Total	174,293
Pass [Member] | Real Estate - Commercial Mortgage [Member]
Financing Receivable, Recorded Investment [Line Items]
2022	50,302
2021	165,574
2020	123,213
2019	73,444
2018	73,824
Prior	131,407
Revolving Loans	26,092
Total	643,856
Pass [Member] | Real Estate - Residential [Member]
Financing Receivable, Recorded Investment [Line Items]
2022	46,698
2021	117,058
2020	55,670
2019	34,111
2018	23,957
Prior	81,162
Revolving Loans	6,255
Total	364,911
Special Mention [Member] | Commercial, Financial and Agricultural [Member]
Financing Receivable, Recorded Investment [Line Items]
2022	0
2021	100
2020	187
2019	268
2018	16
Prior	24
Revolving Loans	0
Total	595
Special Mention [Member] | Real Estate - Commercial Mortgage [Member]
Financing Receivable, Recorded Investment [Line Items]
2022	0
2021	0
2020	410
2019	1,750
2018	2,615
Prior	5,761
Revolving Loans	1,250
Total	11,786
Special Mention [Member] | Real Estate - Residential [Member]
Financing Receivable, Recorded Investment [Line Items]
2022	61
2021	0
2020	132
2019	18
2018	60
Prior	570
Revolving Loans	1,348
Total	2,189
Substandard [Member] | Commercial, Financial and Agricultural [Member]
Financing Receivable, Recorded Investment [Line Items]
2022	0
2021	0
2020	58
2019	0
2018	184
Prior	68
Revolving Loans	0
Total	310
Substandard [Member] | Real Estate - Commercial Mortgage [Member]
Financing Receivable, Recorded Investment [Line Items]
2022	0
2021	10,055
2020	405
2019	640
2018	0
Prior	2,298
Revolving Loans	70
Total	13,468
Substandard [Member] | Real Estate - Residential [Member]
Financing Receivable, Recorded Investment [Line Items]
2022	74
2021	576
2020	1,007
2019	1,085
2018	971
Prior	3,899
Revolving Loans	0
Total	$ 7,612

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, 2022USD ($)Contracts	Mar. 31, 2021USD ($)Contracts	Dec. 31, 2021USD ($)
Provision for Credit Losses	$ (79)	$ (2,312)
Net loan charge-offs	771	(522)
Change in financing receivable allowance	(900)	$ (1,800)
Accrued interest receivable	5,800		$ 5,300
TDRs	7,500		8,000
TDRs performing in accordance with modified terms	7,300		7,600
Estimated loan loss reserves	300		300
Real estate loans for which formal foreclosure proceedings were in process	$ 900		900
Number of Contracts | Contracts	0	2
Number of loan contracts classified as TDRs | Contracts	0	0
Loan modified with a recorded investment		$ 400
Loans and Leases Receivable net deferred costs	$ 4,400		$ 3,900
CCHL [Member]
Payments to Purchase Mortgage Loans Held-for-sale	$ 26,300	$ 22,200

MORTGAGE BANKING ACTIVITIES (Un

MORTGAGE BANKING ACTIVITIES (Unpaid principal balance of residential mortgage loans) (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Other Assets	$ 106,407	$ 94,349
Other Liabilities	77,323	67,735
Loans Held For Sale, at Fair Value	50,815	52,532
Residential Mortgage [Member]
Loans Held for Sale	49,991	50,733
Loans Held For Sale, at Fair Value	50,815	52,532
Fair Value	52,782	53,783
Residential Mortgage [Member] | Loan Commitments (IRLCs) [Member]
Other Assets	99,399	51,883
Other AssetsFair Value	1,117	1,258
Residential Mortgage [Member] | Forward Sales Contracts [Member]
Other Liabilities	55,000	48,000
Other AssetsFair Value	$ 850
Other Liabilities at Fair Value		$ (7)

MORTGAGE BANKING ACTIVITIES (Mo

MORTGAGE BANKING ACTIVITIES (Mortgage banking revenue) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Mortgage Servicing Rights Additions	$ 632
Mortgage banking [Member]
Net Realized Gains on Sales of Mortgage Loans	5,136	$ 14,424
Net Change in Unrealized Gain on Mortgage Loans Held for Sale	(975)	(2,031)
Net Change in the Fair Value of Mortgage Loan Commitments (IRLCs)	(141)	(1,843)
Net Change in the Fair Value of Forward Sales Contracts	857	2,263
Pair-Offs on Net Settlement of Forward Sales Contracts	2,255	3,310
Mortgage Servicing Rights Additions	632	187
Net orignination fees	1,182	815
Total mortgage banking revenues	$ 8,946	$ 17,125

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, 2022USD ($)Contracts	Dec. 31, 2021USD ($)Contracts
Servicing Assets at Fair Value [Line Items]
Number of residential mortgage loans serviced for others | Contracts	2,224	2,106
Outstanding principal balance of residential mortgage loans serviced for others | $	$ 577,297	$ 532,967
Weighted average interest rate	3.62%	3.59%
Remaining contractual term (in months)	317 months	317 months

MORTGAGE BANKING ACTIVITIES (Ca

MORTGAGE BANKING ACTIVITIES (Capitalized mortgage servicing rights) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Servicing Asset at Fair Value, Amount [Roll Forward
Beginning Balance	$ 3,774	$ 3,452
Additions due to loans sold with servicing retained	632	187
Deletions and amortization	(405)	(306)
Valuation Provision (temporary impairment)	0	250
Ending Balance	$ 4,001	$ 3,583

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, 2022	Dec. 31, 2021
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	19.55%	23.79%
Cost of servicing (per loan)	73	73
Minimum [Member]
Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value [Abstract]
Discount rates	10.00%	11.00%
Annual prepayment speeds	7.12%	11.98%
Cost of servicing (per loan)	60	60

MORTGAGE BANKING ACTIVITIES (Wa

MORTGAGE BANKING ACTIVITIES (Warehouse Line Borrowings) (Details) - Warehouse Line Borrowings [Member] - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Dec. 31, 2021
Short-term Debt [Line Items]
Line of credit outstanding	$ 25,896	$ 29,000
Master Repurchase Agreement [Member]
Short-term Debt [Line Items]
Line of Credit Facility, Maximum Borrowing Capacity	$ 75,000
Debt Instrument, Description of Variable Rate Basis	Interest is at the Prime rate minus 1.00% to plus 1.00%
Floor rate	3.25%
Line of credit outstanding	$ 6,705
Cash pledge deposit	$ 500
Master Repurchase Agreement [Member] | Maximum [Member]
Short-term Debt [Line Items]
Debt Instrument, Basis Spread on Variable Rate	1.00%
Master Repurchase Agreement [Member] | Minimum [Member]
Short-term Debt [Line Items]
Debt Instrument, Basis Spread on Variable Rate	1.00%
Line of credit expiring November 2022
Short-term Debt [Line Items]
Line of Credit Facility, Maximum Borrowing Capacity	$ 75,000
Debt Instrument, Description of Variable Rate Basis	Interest is at the SOFR plus 2.25%, to 3.25%
Line of credit outstanding	$ 19,191
Line of Credit Facility, Expiration Date	Nov. 30, 2022
Line of credit expiring November 2022 | Maximum [Member]
Short-term Debt [Line Items]
Debt Instrument, Basis Spread on Variable Rate	3.25%
Line of credit expiring November 2022 | Minimum [Member]
Short-term Debt [Line Items]
Debt Instrument, Basis Spread on Variable Rate	2.25%

MORTGAGE BANKING ACTIVITIES (Na

MORTGAGE BANKING ACTIVITIES (Narrative) (Details) - USD ($)	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
Mortgage Banking Activities [Abstract]
Residential mortgage loans held for sale that were 90 days or more outstanding	$ 0
Residential mortgage loans held for sale 30 to 60 days outstanding	$ 200,000
Percentage of FNMA loan type of total loans serviced	60.00%
Percentage of GNMA loan type of total loans serviced	8.00%
Percentage of Private Investor loan type of total loans serviced	32.00%
Weighted average prepayment speed	10.56%		15.85%
Warehouse lines of credit extended to CCHL	$ 50,000,000
Balance of lines of credit receivable from CCHL	15,300,000		$ 14,800,000
Mortgage Servicing Rights (MSR) Impairment (Recovery)	0	$ 0
Warehouse Agreement Borrowings [Member]
Servicing Asset at Amortized Cost [Line Items]
Line of credit outstanding	$ 25,896,000		29,000,000
CCHL Subsidiary [Member]
Servicing Asset at Amortized Cost [Line Items]
Interest in CCHL subsidiary entity	51.00%
Government National Mortgage Association (GNMA) [Member] | Delinquent or defaulted mortgage loans [Member]
Servicing Asset at Amortized Cost [Line Items]
Servicing Asset at Amortized Cost	$ 1,300,000		$ 2,000,000
Payments to Acquire Mortgage Servicing Rights (MSR)	$ 400,000	$ 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, 2022	Dec. 31, 2021
Derivatives, Fair Value [Line Items]
Notional Amount	$ 30,000	$ 30,000
Fair Value	$ 3,886	$ 2,050
Weighted average rate paid (fixed)	2.50%
Weighted average maturity years	8 years 3 months 18 days	8 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, 2022	Mar. 31, 2021	Dec. 31, 2021
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Collateral liability	$ 4,000		$ 2,000
Interest rate product [Member]
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Amount of Gain (Loss) Recognized in AOCI	1,370	$ 1,587
Amount of Gain (Loss) Reclassified from AOCI to Income	(28)	$ (33)
Interest Rate Cash Flow Hedge Gain (Loss) to be Reclassified During Next 12 Months, Net	$ 100

LEASES (Narrative) (Details)

LEASES (Narrative) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Dec. 31, 2021
Lesse lease description [Line Items]
Lesse operating lease description	Operating leases with an initial term of 12 months or less are not recorded on the Consolidated Statement of Financial Condition and the related lease expense is recognized on a straight-line basis over the lease term.
Operating lease right of use asset	$ 11,700	$ 11,500
Present Value of Lease liability	$ 12,311	$ 12,200
Lessee, Operating Lease, Lease Not yet Commenced, Description	Payments for the banking offices are expected to commence after the construction periods end, which are each expected to occur during the fourth quarter of 2022 and the first quarter of 2023.
Total lease payments	$ 16,084
Three Lease Arrangements [Member]
Lesse lease description [Line Items]
Lessee operating lease term of contract	15 years
Total lease payments	$ 9,300
Fourth Lease Arrangement [Member]
Lesse lease description [Line Items]
Lessee operating lease term of contract	10 years
Total lease payments	$ 1,400
Lease payment transaction [Member]
Lesse lease description [Line Items]
Present Value of Lease liability	500
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	44 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, 2022	Mar. 31, 2021
Lease expenses:
Operating lease expense	$ 384	$ 344
Short term lease expense	179	140
Total lease expense	563	484
Other information [Abstract]
Operating cash flows from operating leases	429	385
Right-of-use assets obtained in exchange for new operating lease liabilities	$ 592	$ 75
Weighted-average remaining lease term - operating leases (in years)	24 years 10 months 24 days	25 years 6 months
Weighted-average discount rate - operating leases	2.00%	2.10%

LEASES (Maturity of remaining l

LEASES (Maturity of remaining lease liabilities) (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Summary of the maturity of remaining lease liabilities:
2022	$ 1,581
2023	1,190
2024	1,120
2025	977
2026	875
2027 and thereafter	10,341
Total	16,084
Less: Interest	(3,773)
Present Value of Lease Liabilities	$ 12,311	$ 12,200

EMPLOYEE BENEFIT PLANS (Compone

EMPLOYEE BENEFIT PLANS (Components of the net periodic benefit cost) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Components of Net Periodic Benefit Costs:
Pension Settlement	$ 209	$ 0
Defined Benefit Pension Plan [Member]
Components of Net Periodic Benefit Costs:
Service Cost	1,572	1,743
Interest Cost	1,166	1,221
Expected Return on Plan Assets	(2,675)	(2,787)
Prior Service Cost Amortization	4	4
Net Loss Amortization	428	1,691
Pension Settlement	209	0
Net Periodic Benefit Cost	$ 704	$ 1,872
Discount Rate Used for Benefit Cost	3.11%	2.88%
Long-Term Rate of Return on Assets	6.75%	6.75%
Supplemental Executive Retirement Plan [Member]
Components of Net Periodic Benefit Costs:
Service Cost	$ 8	$ 9
Interest Cost	79	59
Prior Service Cost Amortization	69	19
Net Loss Amortization	180	198
Net Periodic Benefit Cost	$ 336	$ 285
Discount Rate Used for Benefit Cost	2.80%	2.38%

COMMITMENTS AND CONTINGENCIES_2

COMMITMENTS AND CONTINGENCIES (Company's off-balance sheet obligations) (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Loss Contingencies [Line Items]
Fixed	$ 205,256	$ 222,736
Variable	563,634	505,897
Total	768,890	728,633
Commitments to Extend Credit [Member]
Loss Contingencies [Line Items]
Fixed	200,236	217,531
Variable	563,634	505,897
Total	763,870	723,428
Standby Letters of Credit [Member]
Loss Contingencies [Line Items]
Fixed	5,020	5,205
Variable	0	0
Total	$ 5,020	$ 5,205

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, 2022	Mar. 31, 2021
Beginning Balance	$ 2,897	$ 1,644
Provision for Credit Losses	79	1,330
Ending Balance	$ 2,976	$ 2,974

COMMITMENTS AND CONTINGENCIES N

COMMITMENTS AND CONTINGENCIES Narratives (Details) $ in Millions	3 Months Ended
	Mar. 31, 2022USD ($)
Loss Contingencies [Line Items]
Loss Contingency Quarterly Accrual Payments until settled	$ 0.2
BankTech Ventures [Member]
Other Commitments [Line Items]
Other Commitment	1
General Partners' Contributed Capital	$ 0.1

FAIR VALUE MEASUREMENTS (Summar

FAIR VALUE MEASUREMENTS (Summary of fair values for assets and liabilities) (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Mortgage Servicing Rights [Member]
ASSETS:
Assets, Fair Value Disclosure		$ 4,718
Level 1 Inputs [Member] | Mortgage Servicing Rights [Member]
ASSETS:
Assets, Fair Value Disclosure		0
Level 2, Inputs [Member] | Mortgage Servicing Rights [Member]
ASSETS:
Assets, Fair Value Disclosure		0
Level 3, Inputs [Member] | Mortgage Servicing Rights [Member]
ASSETS:
Assets, Fair Value Disclosure		4,718
Fair Value, Measurements, Recurring [Member] | Interest Rate Swap Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure	$ 3,886	2,050
Fair Value, Measurements, Recurring [Member] | Mortgage Banking Hedge Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure	850
LIABILITIES:
Financial Liabilities Fair Value Disclosure		7
Fair Value, Measurements, Recurring [Member] | Mortgage Banking IRLC Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure	1,117	1,258
Fair Value, Measurements, Recurring [Member] | Loans held for sale [Member]
ASSETS:
Assets, Fair Value Disclosure	50,815	52,532
Fair Value, Measurements, Recurring [Member] | Mortgage Servicing Rights [Member]
ASSETS:
Assets, Fair Value Disclosure	7,177
Fair Value, Measurements, Recurring [Member] | U.S. Government Treasury [Member]
ASSETS:
Assets, Fair Value Disclosure	180,013	187,868
Fair Value, Measurements, Recurring [Member] | U.S. Government Agency [Member]
ASSETS:
Assets, Fair Value Disclosure	224,435	237,578
Fair Value, Measurements, Recurring [Member] | States and Political Subdivisions [Member]
ASSETS:
Assets, Fair Value Disclosure	43,350	46,980
Fair Value, Measurements, Recurring [Member] | Mortgage-Backed Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	86,063	88,869
Fair Value, Measurements, Recurring [Member] | Corporate Debt Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	83,173	86,222
Fair Value, Measurements, Recurring [Member] | Other Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	7,327	7,094
Fair Value, Measurements, Recurring [Member] | Level 1 Inputs [Member] | Interest Rate Swap Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Fair Value, Measurements, Recurring [Member] | Level 1 Inputs [Member] | Mortgage Banking Hedge Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure	0
LIABILITIES:
Financial Liabilities Fair Value Disclosure		0
Fair Value, Measurements, Recurring [Member] | Level 1 Inputs [Member] | Mortgage Banking IRLC Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Fair Value, Measurements, Recurring [Member] | Level 1 Inputs [Member] | Loans held for sale [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Fair Value, Measurements, Recurring [Member] | Level 1 Inputs [Member] | Mortgage Servicing Rights [Member]
ASSETS:
Assets, Fair Value Disclosure	0
Fair Value, Measurements, Recurring [Member] | Level 1 Inputs [Member] | U.S. Government Treasury [Member]
ASSETS:
Assets, Fair Value Disclosure	180,013	187,868
Fair Value, Measurements, Recurring [Member] | Level 1 Inputs [Member] | U.S. Government Agency [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Fair Value, Measurements, Recurring [Member] | Level 1 Inputs [Member] | States and Political Subdivisions [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Fair Value, Measurements, Recurring [Member] | Level 1 Inputs [Member] | Mortgage-Backed Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Fair Value, Measurements, Recurring [Member] | Level 1 Inputs [Member] | Corporate Debt Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Fair Value, Measurements, Recurring [Member] | Level 1 Inputs [Member] | Other Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Fair Value, Measurements, Recurring [Member] | Level 2, Inputs [Member] | Interest Rate Swap Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure	3,886	2,050
Fair Value, Measurements, Recurring [Member] | Level 2, Inputs [Member] | Mortgage Banking Hedge Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure	850
LIABILITIES:
Financial Liabilities Fair Value Disclosure		7
Fair Value, Measurements, Recurring [Member] | Level 2, Inputs [Member] | Mortgage Banking IRLC Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Fair Value, Measurements, Recurring [Member] | Level 2, Inputs [Member] | Loans held for sale [Member]
ASSETS:
Assets, Fair Value Disclosure	50,815	52,532
Fair Value, Measurements, Recurring [Member] | Level 2, Inputs [Member] | Mortgage Servicing Rights [Member]
ASSETS:
Assets, Fair Value Disclosure	0
Fair Value, Measurements, Recurring [Member] | Level 2, Inputs [Member] | U.S. Government Treasury [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Fair Value, Measurements, Recurring [Member] | Level 2, Inputs [Member] | U.S. Government Agency [Member]
ASSETS:
Assets, Fair Value Disclosure	224,435	237,578
Fair Value, Measurements, Recurring [Member] | Level 2, Inputs [Member] | States and Political Subdivisions [Member]
ASSETS:
Assets, Fair Value Disclosure	43,350	46,980
Fair Value, Measurements, Recurring [Member] | Level 2, Inputs [Member] | Mortgage-Backed Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	86,063	88,869
Fair Value, Measurements, Recurring [Member] | Level 2, Inputs [Member] | Corporate Debt Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	83,173	86,222
Fair Value, Measurements, Recurring [Member] | Level 2, Inputs [Member] | Other Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	7,327	7,094
Fair Value, Measurements, Recurring [Member] | Level 3, Inputs [Member] | Interest Rate Swap Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Fair Value, Measurements, Recurring [Member] | Level 3, Inputs [Member] | Mortgage Banking Hedge Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure	0
LIABILITIES:
Financial Liabilities Fair Value Disclosure		0
Fair Value, Measurements, Recurring [Member] | Level 3, Inputs [Member] | Mortgage Banking IRLC Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure	1,117	1,258
Fair Value, Measurements, Recurring [Member] | Level 3, Inputs [Member] | Loans held for sale [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Fair Value, Measurements, Recurring [Member] | Level 3, Inputs [Member] | Mortgage Servicing Rights [Member]
ASSETS:
Assets, Fair Value Disclosure	7,177
Fair Value, Measurements, Recurring [Member] | Level 3, Inputs [Member] | U.S. Government Treasury [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Fair Value, Measurements, Recurring [Member] | Level 3, Inputs [Member] | U.S. Government Agency [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Fair Value, Measurements, Recurring [Member] | Level 3, Inputs [Member] | States and Political Subdivisions [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Fair Value, Measurements, Recurring [Member] | Level 3, Inputs [Member] | Mortgage-Backed Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Fair Value, Measurements, Recurring [Member] | Level 3, Inputs [Member] | Corporate Debt Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Fair Value, Measurements, Recurring [Member] | Level 3, Inputs [Member] | Other Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	$ 0	$ 0

FAIR VALUE MEASUREMENTS (Financ

FAIR VALUE MEASUREMENTS (Financial Instruments) (Details) - USD ($)	Mar. 31, 2022	Dec. 31, 2021	Mar. 31, 2021	Dec. 31, 2020
ASSETS:
Investment Securities, Available for Sale	$ 624,361,000	$ 654,611,000
Investment securities, held to maturity, fair value	501,277,000	339,699,000
Equity Securities	855,000	861,000
Loans Held for Sale	50,815,000	52,532,000
Mortgage Servicing Rights	4,001,000	3,774,000	$ 3,583,000	$ 3,452,000
Loans, Net of Allowance for Credit Losses	1,964,753,000	1,909,859,000
Fair value inputs, Level 1 [Member]
ASSETS:
Cash	77,963,000	65,313,000
Short-Term Investments	790,465,000	970,041,000
Investment Securities, Available for Sale	180,013,000	187,868,000
Investment Securities, Held to Maturity	279,892,000	113,877,000
Equity Securities	0	0
Loans Held for Sale	0	0
Other Equity Securities	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	444,348,000	466,743,000
Investment Securities, Held to Maturity	221,385,000	225,822,000
Equity Securities	855,000	861,000
Loans Held for Sale	50,815,000	52,532,000
Other Equity Securities	2,898,000	2,848,000
Interest Rate Swap Derivative	3,886,000	2,050,000
Mortgage Servicing Rights	0	0
Loans, Net of Allowance for Credit Losses	0	0
LIABILITIES:
Deposits	3,417,626,000	3,713,478,000
Short-Term Borrowings	30,865,000	34,557,000
Subordinated Notes Payable	45,336,000	42,609,000
Long-Term Borrowings	834,000	938,000
Fair Value, Inputs, Level 2 [Member] | Mortgage Banking Hedge Derivative [Member]
ASSETS:
Derivative Assets	850,000
LIABILITIES:
Mortgage Banking Derivative Liability		7,000
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
Other Equity Securities	0	0
Interest Rate Swap Derivative	0	0
Mortgage Servicing Rights	7,177,000	4,718,000
Loans, Net of Allowance for Credit Losses	1,934,570,000	1,903,640,000
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	1,117,000	1,258,000
Carrying (Reported) Amount, Fair Value Disclosure [Member]
ASSETS:
Cash	77,963,000	65,313,000
Short-Term Investments	790,465,000	970,041,000
Investment Securities, Available for Sale	624,361,000	654,611,000
Investment Securities, Held to Maturity	518,678,000	339,601,000
Equity Securities	855,000	861,000
Loans Held for Sale	50,815,000	52,532,000
Other Equity Securities	2,898,000	2,848,000
Interest Rate Swap Derivative	3,886,000	2,050,000
Mortgage Servicing Rights	4,001,000	3,774,000
Loans, Net of Allowance for Credit Losses	1,964,753,000	1,909,859,000
LIABILITIES:
Deposits	3,765,507,000	3,712,862,000
Short-Term Borrowings	30,865,000	34,557,000
Subordinated Notes Payable	52,887,000	52,887,000
Long-Term Borrowings	806,000	884,000
Carrying (Reported) Amount, Fair Value Disclosure [Member] | Mortgage Banking Hedge Derivative [Member]
ASSETS:
Derivative Assets	850,000
LIABILITIES:
Mortgage Banking Derivative Liability		7,000
Carrying (Reported) Amount, Fair Value Disclosure [Member] | Mortgage Banking IRLC Derivative [Member]
ASSETS:
Derivative Assets	$ 1,117,000	$ 1,258,000

FAIR VALUE MEASUREMENTS (Narrat

FAIR VALUE MEASUREMENTS (Narratives) (Details) - USD ($)	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
Fair Value measurements [Abstract]
Level 3 issuances	$ 4,300,000	$ 15,400,000
Level 3 transfers	13,600,000	$ 10,500,000
Valuation allowance	100,000		$ 200,000
valuation allowance for loan servicing rights	0		300,000
Asset Pledged as Collateral [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Financing Receivable	2,800,000		1,500,000
Fair Value Swap [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Notional Amount	$ 0		$ 100,000

ACCUMULATED OTHER COMPREHENSI_3

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (Accumulated Other Comprehensive Income) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Activity in accumulated other comprehensive loss, net of tax
Balance, Begining	$ (16,214)	$ (44,142)
Other comprehensive (loss) income during the period	(17,529)	271
Balance, Ending	(33,743)	(43,871)
Interest Rate Swap [Member]
Activity in accumulated other comprehensive loss, net of tax
Balance, Begining	1,530	428
Other comprehensive (loss) income during the period	1,370	1,587
Balance, Ending	2,900	2,015
Securities Available for Sale [Member]
Activity in accumulated other comprehensive loss, net of tax
Balance, Begining	(4,588)	2,700
Other comprehensive (loss) income during the period	(19,055)	(1,458)
Balance, Ending	(23,643)	1,242
Retirement Plans [Member]
Activity in accumulated other comprehensive loss, net of tax
Balance, Begining	(13,156)	(47,270)
Other comprehensive (loss) income during the period	156	142
Balance, Ending	$ (13,000)	$ (47,128)