Capital City Bank (CCBG) 10-Q 4 Aug 22 2022 Q2 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	6 Months Ended
	Jun. 30, 2022	Jul. 28, 2022
Document And Entity Information
Document Type	10-Q
Document Period End Date	Jun. 30, 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		16,959,280
Entity Central Index Key	0000726601
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Document Fiscal Period Focus	Q2
Document Fiscal Year Focus	2022

CONSOLIDATED STATEMENTS OF FINA

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($)	Jun. 30, 2022	Dec. 31, 2021
ASSETS
Cash and Due From Banks	$ 91,209,000	$ 65,313,000
Federal Funds Sold and Interest Bearing Deposits	603,315,000	970,041,000
Total Cash and Cash Equivalents	694,524,000	1,035,354,000
Investment Securities, Available for Sale, at fair value (amortized cost of $643,679 and $660,732)	601,405,000	654,611,000
Investment Securities, Held to Maturity (fair value of $498,963 and $339,699)	528,258,000	339,601,000
Equity Securities	900,000	861,000
Total Investment Securities	1,130,563,000	995,073,000
Loans Held For Sale, at Fair Value	48,708,000	52,532,000
Loans Held For Investment, Net of Unearned Income	2,213,653,000	1,931,465,000
Allowance for Credit Losses	(21,281,000)	(21,606,000)
Loans Held for Investment, Net	2,192,372,000	1,909,859,000
Premises and Equipment, Net	82,932,000	83,412,000
Goodwill and Other Intangibles	93,173,000	93,253,000
Other Real Estate Owned	90,000	17,000
Other Assets	111,935,000	94,349,000
Total Assets	4,354,297,000	4,263,849,000
Deposits:
Noninterest Bearing Deposits	1,724,671,000	1,668,912,000
Interest Bearing Deposits	2,061,587,000	2,043,950,000
Total Deposits	3,786,258,000	3,712,862,000
Short-Term Borrowings	39,463,000	34,557,000
Subordinated Notes Payable	52,887,000	52,887,000
Other Long-Term Borrowings	612,000	884,000
Other Liabilities	93,319,000	67,735,000
Total Liabilities	3,972,539,000	3,868,925,000
Temporary Equity	10,083,000	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; 16,959,280 and 16,892,060 shares issued and outstanding at June 30, 2022 and December 31, 2021, respectively	170,000	169,000
Additional Paid-In Capital	35,738,000	34,423,000
Retained Earnings	376,532,000	364,788,000
Accumulated Other Comprehensive Loss, net of tax	(40,765,000)	(16,214,000)
Total Shareowners' Equity	371,675,000	383,166,000
Total Liabilities, Temporary Equity, and Shareowners' Equity	$ 4,354,297,000	$ 4,263,849,000

CONSOLIDATED STATEMENTS OF FI_2

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (Parenthetical) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Statement of Financial Position [Abstract]
Amortized cost	$ 643,679	$ 660,732
Investment securities, held to maturity, fair value	$ 498,963	$ 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	16,959,280	16,892,060
Common Stock, shares outstanding	16,959,280	16,892,060

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME - USD ($) shares in Thousands, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
INTEREST INCOME
Loans, including Fees	$ 24,072	$ 24,582	$ 46,205	$ 47,932
Investment Securities:
Taxable	3,833	2,036	6,723	3,899
Tax Exempt	7	18	13	38
Funds Sold	1,408	200	1,817	413
Total Interest Income	29,320	26,836	54,758	52,282
INTEREST EXPENSE
Deposits	266	208	490	416
Short-Term Borrowings	343	324	535	736
Subordinated Notes Payable	370	308	687	615
Other Long-Term Borrowings	8	16	17	37
Total Interest Expense	987	856	1,729	1,804
NET INTEREST INCOME	28,333	25,980	53,029	50,478
Provision for Credit Losses	1,542	(571)	1,542	(1,553)
Net Interest Income After Provision For Credit Losses	26,791	26,551	51,487	52,031
NONINTEREST INCOME
Other	1,954	1,748	3,802	3,470
Total Noninterest Income	24,903	26,473	50,721	56,299
NONINTEREST EXPENSE
Compensation	25,383	25,378	50,239	51,442
Occupancy, Net	6,075	5,973	12,168	11,940
Other Real Estate Owned, Net	(29)	(270)	(4)	(388)
Pension Settlement	169	2,000	378	2,000
Other	8,900	9,042	16,950	17,605
Total Noninterest Expense	40,498	42,123	79,731	82,599
INCOME BEFORE INCOME TAXES	11,196	10,901	22,477	25,731
Income Tax Expense	2,177	2,059	4,412	4,846
NET INCOME	9,019	8,842	18,065	20,885
Income Attributable to Noncontrolling Interests	(306)	(1,415)	(897)	(3,952)
NET INCOME ATTRIBUTABLE TO COMMON SHAREOWNERS	$ 8,713	$ 7,427	$ 17,168	$ 16,933
BASIC NET INCOME PER SHARE (in dollars per shares)	$ 0.51	$ 0.44	$ 1.01	$ 1
DILUTED NET INCOME PER SHARE (in dollars per shares)	$ 0.51	$ 0.44	$ 1.01	$ 1
Average Common Basic Shares Outstanding	16,949	16,858	16,940	16,848
Average Common Diluted Shares Outstanding	16,971	16,885	16,958	16,874
Deposit fees [Member]
NONINTEREST INCOME
Revenue, fees and commissions	$ 5,447	$ 4,236	$ 10,638	$ 8,507
Bank card fees [Member]
NONINTEREST INCOME
Revenue, fees and commissions	4,034	3,998	7,797	7,616
Wealth Management fees [Member]
NONINTEREST INCOME
Revenue, fees and commissions	4,403	3,274	10,473	6,364
Mortgage banking [Member]
NONINTEREST INCOME
Revenue, fees and commissions	$ 9,065	$ 13,217	$ 18,011	$ 30,342

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Consolidated Statements of Comprehensive Income [Abstract]
Net Income Attributable to Common Shareowners	$ 8,713	$ 7,427	$ 17,168	$ 16,933
Other comprehensive (loss) income, before tax:
Investment Securities: Change in net unrealized gain/loss on securities available for sale	(10,714)	(481)	(36,158)	(2,434)
Derivative: Change in net unrealized gain on effective cash flow derivative	1,161	(919)	2,997	1,206
Benefit Plans:
Reclassification adjustment for service cost	0	0	0	24
Actuarial gain	0	0	0	166
Defined benefit plan settlement	169	2,000	378	2,000
Total Benefit Plans	169	2,000	378	2,190
Other comprehensive (loss) income, before tax	(9,384)	600	(32,783)	962
Deferred tax (benefit) expense related to other comprehensive income	(2,362)	152	(8,232)	243
Other comprehensive (loss) income, net of tax	(7,022)	448	(24,551)	719
TOTAL COMPREHENSIVE INCOME (LOSS)	$ 1,691	$ 7,875	$ (7,383)	$ 17,652

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		16,933	$ 0	0	16,933	0
Reclassification to Temporary Equity	[1]	1,171	0	0	1,171	0
Other Comprehensive Loss, net of tax		719	0	0	0	719
Cash Dividends		(5,058)	0	0	(5,058)	0
Stock Based Compensation		438	0	438	0	0
Stock Compensation Plan Transactions, net		840	$ 1	839	0	0
Stock Compensation Plan Transactions, net (in shares)			83,706
Balance at Jun. 30, 2021		335,880	$ 169	33,560	345,574	(43,423)
Balance, Shares at Jun. 30, 2021			16,874,279
Balance at Mar. 31, 2021		324,426	$ 169	32,804	335,324	(43,871)
Balance (in shares) at Mar. 31, 2021			16,851,878
Net Income Attributable to Common Shareowners		7,427	$ 0	0	7,427	0
Reclassification to Temporary Equity	[1]	5,353	0	0	5,353	0
Other Comprehensive Loss, net of tax		448	0	0	0	448
Cash Dividends		(2,530)	$ 0	0	(2,530)	0
Repurchase of Common Stock (in shares)			0
Stock Based Compensation		219	$ 0	219	0	0
Stock Compensation Plan Transactions, net		537	$ 0	537	0	0
Stock Compensation Plan Transactions, net (in shares)			22,401
Balance at Jun. 30, 2021		335,880	$ 169	33,560	345,574	(43,423)
Balance, Shares at Jun. 30, 2021			16,874,279
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		$ 17,168	0	0	17,168	0
Other Comprehensive Loss, net of tax		(24,551)	0	0	0	(24,551)
Cash Dividends		(5,424)	0	0	(5,424)	0
Stock Based Compensation		489	0	489	0	0
Stock Compensation Plan Transactions, net		827	$ 1	826	0	0
Stock Compensation Plan Transactions, net (in shares)			67,220
Balance at Jun. 30, 2022		$ 371,675	$ 170	35,738	376,532	(40,765)
Balance, Shares at Jun. 30, 2022		16,959,280	16,959,280
Balance at Mar. 31, 2022		$ 372,145	$ 169	35,188	370,531	(33,743)
Balance (in shares) at Mar. 31, 2022			16,947,602
Net Income Attributable to Common Shareowners		8,713	$ 0	0	8,713	0
Other Comprehensive Loss, net of tax		(7,022)	0	0	0	(7,022)
Cash Dividends		(2,712)	0	0	(2,712)	0
Stock Based Compensation		244	0	244	0	0
Stock Compensation Plan Transactions, net		307	$ 1	306	0	0
Stock Compensation Plan Transactions, net (in shares)			11,678
Balance at Jun. 30, 2022		$ 371,675	$ 170	$ 35,738	$ 376,532	$ (40,765)
Balance, Shares at Jun. 30, 2022		16,959,280	16,959,280
[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		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Statement of Stockholders' Equity [Abstract]
Cash Dividends (in dollars per share)	$ 0.1600	$ 0.1500	$ 0.3200	$ 0.3000

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021
CASH FLOWS FROM OPERATING ACTIVITIES
Net Income Attributable to Common Shareowners	$ 17,168	$ 16,933
Adjustments to Reconcile Net Income to Cash Provided by Operating Activities:
Provision for Credit Losses	1,542	(1,553)
Depreciation	3,802	3,782
Amortization of Premiums, Discounts and Fees, net	5,545	5,946
Amortization of Intangible Asset	80	40
Pension Settlement	378	2,000
Originations of Loans Held-for-Sale	(573,239)	(877,613)
Proceeds From Sales of Loans Held-for-Sale	595,074	941,173
Mortgage Banking Revenues	(18,011)	(30,342)
Net Additions for Capitalized Mortgage Servicing Rights	1,358	(8)
Change in Valuation Provision for Mortgage Servicing Rights	0	(250)
Stock Compensation	489	438
Net Tax Benefit From Stock-Based Compensation	(19)	(4)
Deferred Income Taxes	(8,879)	(469)
Net Change in Operating Leases	(72)	(81)
Net Gain on Sales and Write-Downs of Other Real Estate Owned	(26)	(507)
Net Decrease (Increase) in Other Assets	845	(9,789)
Net Increase in Other Liabilities	22,040	2,472
Net Cash Used In Investing Activities	48,075	52,168
Securities Held to Maturity:
Purchases	(218,548)	(201,308)
Payments, Maturities, and Calls	28,111	44,238
Securities Available for Sale:
Purchases	(37,044)	(255,379)
Proceeds from Sale or Securities	3,365	0
Payments, Maturities, and Calls	47,413	94,911
Purchases of Loans Held for Investment	(174,779)	(70,043)
Net (Increase) Decrease in Loans Held for Investment	(109,806)	64,708
Proceeds From Sales of Other Real Estate Owned	30	1,121
Purchases of Premises and Equipment	(3,322)	(3,215)
Noncontrolling Interest Contributions	2,573	3,464
Net Cash Used In Investing Activities	(462,007)	(325,985)
CASH FLOWS FROM FINANCING ACTIVITIES
Net Increase in Deposits	73,396	229,361
Net Increase (Decrease) in Short-Term Borrowings	4,784	(32,668)
Repayment of Other Long-Term Borrowings	(150)	(1,123)
Dividends Paid	(5,424)	(5,058)
Issuance of Common Stock Under Purchase Plans	496	570
Net Cash Provided By Financing Activities	73,102	191,082
NET DECREASE IN CASH AND CASH EQUIVALENTS	(340,830)	(82,735)
Cash and Cash Equivalents at Beginning of Period	1,035,354	928,549
Cash and Cash Equivalents at End of Period	694,524	845,814
Supplemental Cash Flow Disclosures:
Interest Paid	1,617	1,877
Income Taxes Paid	3,765	9,369
Noncash Investing and Financing Activities:
Loans Transferred to Other Real Estate Owned	$ 77	$ 998

BUSINESS AND BASIS OF PRESENTAT

BUSINESS AND BASIS OF PRESENTATION	6 Months Ended
	Jun. 30, 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 issued ASU 2022-02, "Financial Instruments and Vintage Disclosures". Standards Codification (“ASC”) 310-40, "Receivables - Troubled current expected credit loss model introduced by ASU 2016-13, Credit Losses on Financial Instruments”. charge-offs "Financial Instruments—Credit Losses—Measured at Amortized beginning after December 15, 2022, including interim periods within those is evaluating the effect that ASU 2022-02 will have on its consolidated

INVESTMENT SECURITIES

INVESTMENT SECURITIES	6 Months Ended
	Jun. 30, 2022
Investments Securities [Abstract]
Investment securities	NOTE 2 – INVESTMENT SECURITIES Investment Portfolio Composition . The following table summarizes the amortized cost and related fair value of investment 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 June 30, 2022 U.S. Government Treasury $ 189,686 $ - $ 11,791 $ - $ 177,895 U.S. Government Agency 219,936 336 9,588 - 210,684 States and Political Subdivisions 47,626 9 5,269 (9) 42,357 Mortgage-Backed Securities (1) 86,168 8 8,355 - 77,821 Corporate Debt Securities 92,936 - 7,593 (22) 85,321 Other Securities (2) 7,327 - - - 7,327 Total $ 643,679 $ 353 $ 42,596 $ (31) $ 601,405 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 June 30, 2022 U.S. Government Treasury $ 303,379 $ - $ 13,671 $ 289,708 Mortgage-Backed Securities (1) 224,879 66 15,690 209,255 Total $ 528,258 $ 66 $ 29,361 $ 498,963 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 June 30, 2022, the investment portfolio had $ 0.9 fair value and were not credit impaired. Securities with an amortized cost of $ 375.2 463.8 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 no significant sales of investment securities for the three or six months 2021. 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 $ 34,031 $ 31,933 $ - $ - Due after one year through five years 316,240 296,327 303,379 289,708 Due after five year through ten years 59,474 51,323 - - Mortgage-Backed Securities 86,168 77,821 224,879 209,255 U.S. Government Agency 140,439 136,674 - - Equity Securities 7,327 7,327 - - Total $ 643,679 $ 601,405 $ 528,258 $ 498,963 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 June 30, 2022 Available for U.S. Government Treasury $ 115,930 $ 7,757 $ 61,965 $ 4,034 $ 177,895 $ 11,791 U.S. Government Agency 129,675 7,137 43,349 2,451 173,024 9,588 States and Political Subdivisions 40,323 5,229 437 40 40,760 5,269 Mortgage-Backed Securities 73,829 7,909 3,801 446 77,630 8,355 Corporate Debt Securities 82,151 7,285 3,192 308 85,343 7,593 Total 441,908 35,317 112,744 7,279 554,652 42,596 Held to Maturity U.S. Government Treasury 284,789 13,375 4,919 296 289,708 13,671 Mortgage-Backed Securities 195,328 14,395 9,659 1,295 204,987 15,690 Total $ 480,117 $ 27,770 $ 14,578 $ 1,591 $ 494,695 $ 29,361 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 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	6 Months Ended
	Jun. 30, 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) June 30, 2022 December 31, 2021 Commercial, Financial and Agricultural $ 247,902 $ 223,086 Real Estate – Construction 225,664 174,394 Real Estate – Commercial Mortgage 699,093 663,550 Real Estate – Residential (1) 484,975 360,021 Real Estate – Home Equity 194,658 187,821 Consumer (2) 361,361 322,593 Loans Held For Investment, Net of Unearned Income $ 2,213,653 $ 1,931,465 (1) Includes loans in process balances of $ 7.2 13.6 (2) Includes overdraft balances of $ 1.5 1.1 Net deferred loan costs, which include premiums on purchased loans, 7.0 3.9 million at December 31, 2021. Accrued interest receivable on loans which is excluded from amortized 6.3 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. 158.8 $ 51.1 Company acquired commercial real estate loans that were not credit impaired 15.0 17.4 million for the three months ended June 30, 2022 and June 30, 2021, respectively. 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 June 30, 2022 Beginning Balance $ 2,122 $ 2,596 $ 5,392 $ 4,470 $ 1,916 $ 4,260 $ 20,756 Provision for Credit Losses 564 542 (396) 1,060 (223) 123 1,670 Charge-Offs (1,104) - - - - (1,193) (2,297) Recoveries 59 - 56 115 67 855 1,152 Net (Charge-Offs) Recoveries (1,045) - 56 115 67 (338) (1,145) Ending Balance $ 1,641 $ 3,138 $ 5,052 $ 5,645 $ 1,760 $ 4,045 $ 21,281 Six Months Ended June 30, 2022 Beginning Balance $ 2,191 $ 3,302 $ 5,810 $ 4,129 $ 2,296 $ 3,878 $ 21,606 Provision for Credit Losses 403 (172) (577) 1,374 (628) 1,191 1,591 Charge-Offs (1,177) - (266) - (33) (2,595) (4,071) Recoveries 224 8 85 142 125 1,571 2,155 Net (Charge-Offs) Recoveries (953) 8 (181) 142 92 (1,024) (1,916) Ending Balance $ 1,641 $ 3,138 $ 5,052 $ 5,645 $ 1,760 $ 4,045 $ 21,281 Three Months Ended June 30, 2021 Beginning Balance $ 1,957 $ 2,254 $ 6,956 $ 5,204 $ 2,575 $ 3,080 $ 22,026 Provision for Credit Losses (56) 505 587 (1,030) (114) (76) (184) Charge-Offs (32) - - (65) (74) (670) (841) Recoveries 103 - 26 244 70 731 1,174 Net Charge-Offs 71 - 26 179 (4) 61 333 Ending Balance $ 1,972 $ 2,759 $ 7,569 $ 4,353 $ 2,457 $ 3,065 $ 22,175 Six Months Ended June 30, 2021 Beginning Balance $ 2,204 $ 2,479 $ 7,029 $ 5,440 $ 3,111 $ 3,553 $ 23,816 Provision for Credit Losses (370) 280 (131) (1,335) (769) (171) (2,496) Charge-Offs (101) - - (71) (79) (1,726) (1,977) Recoveries 239 - 671 319 194 1,409 2,832 Net Charge-Offs 138 - 671 248 115 (317) 855 Ending Balance $ 1,972 $ 2,759 $ 7,569 $ 4,353 $ 2,457 $ 3,065 $ 22,175 For the six months ended June 30, 2022, the allowance for HFI loans decreased 0.3 $ 1.6 1.9 losses that have not materialized to the extent projected partially offset For the six months ended June 30, 2021, the allowance decreased $ 1.6 2.5 loan recoveries of $ 0.9 unemployment and its potential effect on rates of default, 0.9 scenarios are utilized to estimate probability of default and are weighted Commitments and Contingencies for information on the 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 June 30, 2022 Commercial, Financial and Agricultural $ 166 $ 27 $ - $ 193 $ 247,638 $ 71 $ 247,902 Real Estate – Construction - - - - 225,664 - 225,664 Real Estate – Commercial Mortgage 358 - - 358 698,305 430 699,093 Real Estate – Residential 236 - - 236 483,064 1,675 484,975 Real Estate – Home Equity 225 - - 225 193,700 733 194,658 Consumer 1,906 636 - 2,542 358,587 232 361,361 Total $ 2,891 $ 663 $ - $ 3,554 $ 2,206,958 $ 3,141 $ 2,213,653 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. June 30, 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 $ - $ 71 $ - $ 67 $ 23 $ - Real Estate – Construction - - - - - - Real Estate – Commercial Mortgage - 430 - - 604 - Real Estate – Residential 1,508 167 - 928 1,169 - Real Estate – Home Equity - 733 - 463 856 - Consumer - 232 - - 212 - Total Nonaccrual $ 1,508 $ 1,633 $ - $ 1,458 $ 2,864 $ - Collateral Dependent Loans. The following table presents June 30, 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 697 - 1,645 - Real Estate – Home Equity 598 - 649 - Consumer - - - - Total Collateral Dependent $ 1,295 $ - $ 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 . 0.8 and $ 0.9 Troubled 6.7 accordance with the modified terms. 8.0 7.6 performing in accordance with modified terms. 0.3 2022 and December 31, 2021. The modifications made to TDRs involved either an extension of the loan term, a principal moratorium, or a combination thereof. no months ended June 30, 2021, there was one 0.1 three recorded investment of $ 0.6 no loans classified as TDRs, for which there was a payment default and 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 properties. originate sub-prime loans. Real Estate Home Equity – Home equity loans and lines are made to qualified by senior or junior mortgage liens on owner-occupied favorable credit history combined with supportive income and debt ratio 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 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 $ 49,887 $ 54,079 $ 25,439 $ 21,041 $ 15,004 $ 15,218 $ 66,828 $ 247,496 Special Mention - - - 9 - 23 117 149 Substandard - - 8 - 122 127 - 257 Total $ 49,887 $ 54,079 $ 25,447 $ 21,050 $ 15,126 $ 15,368 $ 66,945 $ 247,902 Real Estate - Construction: Pass $ 57,643 $ 107,385 $ 48,432 $ 8,482 $ - $ 126 $ 2,905 $ 224,973 Special Mention - - 691 - - - - 691 Total $ 57,643 $ 107,385 $ 49,123 $ 8,482 $ - $ 126 $ 2,905 $ 225,664 Real Estate - Commercial Mortgage: Pass $ 124,927 $ 155,769 $ 116,218 $ 66,400 $ 67,022 $ 119,767 $ 25,115 $ 675,218 Special Mention 224 1,133 235 1,740 742 6,862 1,493 12,429 Substandard 7,510 1,788 402 631 - 1,047 68 11,446 Total $ 132,661 $ 158,690 $ 116,855 $ 68,771 $ 67,764 $ 127,676 $ 26,676 $ 699,093 Real Estate - Residential: Pass $ 183,113 $ 106,587 $ 51,210 $ 31,925 $ 22,142 $ 74,104 $ 7,508 $ 476,589 Special Mention 59 - 130 17 59 562 - 827 Substandard 119 1,076 976 935 895 3,558 - 7,559 Total $ 183,291 $ 107,663 $ 52,316 $ 32,877 $ 23,096 $ 78,224 $ 7,508 $ 484,975 Real Estate - Home Equity: Performing $ 29 $ 133 $ 13 $ 299 $ 154 $ 2,101 $ 191,196 $ 193,925 Nonperforming - - - 16 - - 717 733 Total $ 29 $ 133 $ 13 $ 315 $ 154 $ 2,101 $ 191,913 $ 194,658 Consumer: Performing $ 112,549 $ 139,965 $ 48,931 $ 28,715 $ 18,005 $ 7,544 $ 5,420 $ 361,129 Nonperforming 22 56 56 47 38 13 - 232 Total $ 112,571 $ 140,021 $ 48,987 $ 28,762 $ 18,043 $ 7,557 $ 5,420 $ 361,361

MORTGAGE BANKING ACTIVITIES

MORTGAGE BANKING ACTIVITIES	6 Months Ended
	Jun. 30, 2022
Mortgage Banking Activities [Abstract]
Mortgage Banking Activities	NOTE 4 – MORTGAGE BANKING ACTIVITIES The Company’s mortgage loan pipeline price risk, utilization of warehouse lines to fund secondary 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 June 30, 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 $ 47,805 $ 48,708 $ 50,733 $ 52,532 Residential Mortgage Loan Commitments ("IRLCs") (1) 62,201 934 51,883 1,258 Forward Sales Contracts (2) 31,500 (45) 48,000 (7) $ 49,597 $ 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 Six Months Ended June (Dollars in Thousands) 2022 2021 2022 2021 Net realized gains on sales of mortgage loans $ 4,800 $ 13,534 $ 9,935 $ 27,958 Net change in unrealized gain on mortgage loans held for sale 79 532 (895) (1,499) Net change in the fair value of mortgage loan commitments (183) (458) (324) (2,301) Net change in the fair value of forward sales contracts (896) (1,446) (38) 817 Pair-Offs on net settlement of forward sales contracts 1,954 (476) 4,209 2,835 Mortgage servicing rights additions 1,457 453 2,088 640 Net origination fees 1,854 1,078 3,036 1,892 Total mortgage banking $ 9,065 $ 13,217 $ 18,011 $ 30,342 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) June 30, 2022 December 31, 2021 Number of residential mortgage loans serviced for others 2,555 2,106 Outstanding principal balance of residential mortgage loans serviced $ 703,537 $ 532,967 Weighted average 3.70% 3.59% Remaining contractual term (in months) 323 317 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 50 %), GNMA ( 7 %), and private investor ( 43 %). The Company had $ 0.4 2.0 Company at June 30, 2022 and December 31, 2021, respectively. has been recorded in other assets and other liabilities, respectively, three and six months ended June 30, 2022, the Company repurchased 0.6 1.0 currently in GNMA pools. 0.7 2.2 million, respectively, Company has the intention to modify their terms and include the loans in Activity in the capitalized mortgage servicing rights was as follows: Three Months Ended June 30, Six Months Ended June 30, (Dollars in Thousands) 2022 2021 2022 2021 Beginning balance $ 4,001 $ 3,583 $ 3,774 $ 3,452 Additions due to loans sold with servicing retained 1,457 453 2,088 640 Deletions and amortization (372) (326) (776) (632) Valuation - - - 250 Ending balance $ 5,086 $ 3,710 $ 5,086 $ 3,710 The Company did no t record any permanent impairment losses on mortgage servicing rights for the and June 30, 2021. The key unobservable inputs used in determining the fair value of the Company’s June 30, 2022 December 31, 2021 Minimum Maximum Minimum Maximum Discount rates 9.00% 11.00% 11.00% 15.00% Annual prepayment speeds 9.46% 11.54% 11.98% 23.79% Cost of servicing (per loan) $ 65 $ 138 $ 60 $ 73 Changes in residential mortgage interest rates directly affect servicing rights. estimated loan curtailment, anticipated defaults, and other relevant factors. 10.48 % at June 30, 2022 and 15.85 % at December 31, 2021. Warehouse The Company has the following warehouse lines of credit and master repurchase 30, 2022. Amounts (Dollars in Thousands) Outstanding $ 75 1.00% to plus 1.00% , with a floor rate of 3.25% . 0.5 12,657 $ 75 November 2022 . 2.25% , to 3.25% . 22,333 Total Warehouse $ 34,990 Warehouse 29.0 million. At June 30, 2022, the Company had residential mortgage loans 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 June 30, 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 2022 and December 31, 2021 was $ 13.3 14.8

DERIVATIVES

DERIVATIVES	6 Months Ended
	Jun. 30, 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 in 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 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 June 30, 2022 Interest rate swaps related to subordinated debt Other Assets $ 30,000 $ 5,046 8.0 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 June 30, 2021. Amount of Gain Amount of Gain (Loss) Recognized (Loss) Reclassified (Dollars in Thousands) Category in AOCI from AOCI to Income Three months ended June 30, 2022 Interest expense $ 867 $ 26 Three months ended June 30, 2021 Interest expense (686) (37) Six months ended June 30, 2022 Interest expense $ 2,237 $ (2) Six months ended June 30, 2021 Interest expense 900 (70) The Company estimates there will be approximately $ 0.7 months. The Company had a collateral liability of $ 5.3 2.0

LEASES

LEASES	6 Months Ended
	Jun. 30, 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 43 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 June 30, 2022, the operating lease ROU assets and liabilities were $ 11.9 12.5 2021, ROU assets and liabilities were $ 11.5 12.2 or any significant lessor agreements. The table below summarizes our lease expense and other information related Three Months Ended Six Months Ended June 30, June 30, (Dollars in Thousands) 2022 2021 2022 2021 Operating lease expense $ 391 $ 362 $ 775 $ 706 Short-term lease expense 159 170 337 310 Total $ 550 $ 532 $ 1,112 $ 1,016 Other information: Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 435 $ 402 $ 864 $ 786 Right-of-use assets obtained in exchange for new operating lease liabilities 600 440 1,192 515 Weighted average 24.5 25.1 24.5 25.1 Weighted average 2.2% 2.0% 2.2% 2.0% The table below summarizes the maturity of remaining lease liabilities: (Dollars in Thousands) June 30, 2022 2022 $ 1,717 2023 1,715 2024 1,470 2025 1,249 2026 1,122 2027 and thereafter 11,731 Total $ 19,004 Less: Interest (6,503) Present Value $ 12,501 At June 30, 2022, the Company had three additional operating lease obligations yet commenced. These leases have payments totaling $ 9.3 15 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	6 Months Ended
	Jun. 30, 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 June 30, Six Months Ended June 30, (Dollars in Thousands) 2022 2021 2022 2021 Service Cost $ 1,572 $ 1,743 $ 3,145 $ 3,486 Interest Cost 1,166 1,221 2,333 2,442 Expected Return on Plan Assets (2,675) (2,787) (5,351) (5,574) Prior Service Cost Amortization 4 4 8 8 Net Loss Amortization 428 1,691 857 3,382 Pension Settlement 169 2,000 378 2,000 Net Periodic Benefit Cost $ 664 $ 3,872 $ 1,370 $ 5,744 Discount Rate 3.11% 2.88% 3.11% 2.88% Long-term Rate of Return on Assets 6.75% 6.75% 6.75% 6.75% The components of the net periodic benefit cost for the Company's SERP and SERP II Three Months Ended June 30, Six Months Ended June 30, (Dollars in Thousands) 2022 2021 2022 2021 Service Cost $ 8 $ 9 $ 16 $ 18 Interest Cost 79 61 158 120 Prior Service Cost Amortization 69 69 138 88 Net Loss Amortization 180 243 360 441 Net Periodic Benefit Cost $ 336 $ 382 $ 672 $ 667 Discount Rate 2.80% 2.38% 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	6 Months Ended
	Jun. 30, 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: June 30, 2022 December 31, 2021 (Dollars in Thousands) Fixed Variable Total Fixed Variable Total Commitments to Extend Credit $ 215,601 $ 515,886 $ 731,487 $ 217,531 $ 505,897 $ 723,428 Standby Letters of Credit 6,196 - 6,196 5,205 - 5,205 Total $ 221,797 $ 515,886 $ 737,683 $ 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 June 30, Six Months Ended June 30, (Dollars in Thousands) 2022 2021 2022 2021 Beginning Balance $ 2,976 $ 2,974 $ 2,897 $ 1,644 Provision for Credit Losses (123) (387) (44) 943 Ending Balance $ 2,853 $ 2,587 $ 2,853 $ 2,587 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 June 30, 2022, the Company 0.2 the Company had contributed $ 0.1 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 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. share conversion ratio was reduced and a $ 0.2 quarterly charges are reflected in earnings in the period until the litigation reserve is fully liquidated and at which time the aforementioned payments approximate $ 0.2

FAIR VALUE MEASUREMENTS

FAIR VALUE MEASUREMENTS	6 Months Ended
	Jun. 30, 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 an asset or liability. 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 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 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. Treasury 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 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 June 30, 2022, there was $ 0.2 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 June 30, 2022 ASSETS: Securities Available for U.S. Government Treasury $ 177,895 $ - $ - $ 177,895 U.S. Government Agency - 210,684 - 210,684 States and Political Subdivisions - 42,357 - 42,357 Mortgage-Backed Securities - 77,821 - 77,821 Corporate Debt Securities - 85,321 - 85,321 Other Securities - 7,327 - 7,327 Loans Held for Sale - 48,708 - 48,708 Interest Rate Swap Derivative - 5,046 - 5,046 Mortgage Banking IRLC Derivative - - 934 934 Mortgage Servicing Rights - - 9,336 9,336 LIABILITIES: Mortgage Banking Hedge Derivative $ - $ 45 $ - $ 45 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 . 7.7 and $ 16.8 27.4 19.3 months of the IRLC to the Consolidated Statement of Financial Condition date, 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. 1.3 0.1 30, 2022 and $ 2.8 0.2 Other Real Estate Owned . 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 allowance for loan servicing rights. 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 June 30, 2022 Carrying Level 1 Level 2 Level 3 (Dollars in Thousands) Value Inputs Inputs Inputs ASSETS: Cash $ 91,209 $ 91,209 $ - $ - Short-Term Investments 603,315 603,315 - - Investment Securities, Available 601,405 177,895 423,510 - Investment Securities, Held to Maturity 528,258 289,708 209,255 - Equity Securities (1) 900 - 900 - Loans Held for Sale 48,708 - 48,708 - Other Equity Securities (2) 2,848 - 2,848 - Interest Rate Swap Derivative 5,046 - 5,046 - Mortgage Servicing Rights 5,086 - - 9,336 Mortgage Banking IRLC Derivative 934 - - 934 Loans, Net of Allowance for Credit Losses 2,192,372 - - 2,127,117 LIABILITIES: Deposits $ 3,786,258 $ - $ 3,335,175 $ - Short-Term 39,463 - 39,462 - Subordinated Notes Payable 52,887 - 46,121 - Long-Term Borrowings 612 - 627 - Mortgage Banking Hedge Derivative 45 - 45 - 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)	6 Months Ended
	Jun. 30, 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 (27,071) 2,237 283 (24,551) Balance as of June 30, 2022 $ (31,659) $ 3,767 $ (12,873) $ (40,765) Balance as of January 1, 2021 $ 2,700 $ 428 $ (47,270) $ (44,142) Other comprehensive (loss) income during the period (1,816) 900 1,635 719 Balance as of June 30, 2021 $ 884 $ 1,328 $ (45,635) $ (43,423)

SUBSEQUENT EVENTS

SUBSEQUENT EVENTS	6 Months Ended
	Jun. 30, 2022
Subsequent Events [Abstract]
SUBSEQUENT EVENTS	NOTE 11 – SUBSEQUENT Subsequent to June 30, 2022 and effective August 1, 2022, 33 value of $ 168.4 159.0 (“HTM”) classification. These securities had a net unrealized loss of $ 9.4 transfer date. The net unrealized loss at the date of transfer will remain in amortized into net interest income over the remaining life of the securities. The the effect on net interest income of the accretion of the discount

BUSINESS AND BASIS OF PRESENT_2

BUSINESS AND BASIS OF PRESENTATION (Policies)	6 Months Ended
	Jun. 30, 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 issued ASU 2022-02, "Financial Instruments and Vintage Disclosures". Standards Codification (“ASC”) 310-40, "Receivables - Troubled current expected credit loss model introduced by ASU 2016-13, Credit Losses on Financial Instruments”. charge-offs "Financial Instruments—Credit Losses—Measured at Amortized beginning after December 15, 2022, including interim periods within those is evaluating the effect that ASU 2022-02 will have on its consolidated

INVESTMENT SECURITIES (Tables)

INVESTMENT SECURITIES (Tables)	6 Months Ended
	Jun. 30, 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 of investment 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 June 30, 2022 U.S. Government Treasury $ 189,686 $ - $ 11,791 $ - $ 177,895 U.S. Government Agency 219,936 336 9,588 - 210,684 States and Political Subdivisions 47,626 9 5,269 (9) 42,357 Mortgage-Backed Securities (1) 86,168 8 8,355 - 77,821 Corporate Debt Securities 92,936 - 7,593 (22) 85,321 Other Securities (2) 7,327 - - - 7,327 Total $ 643,679 $ 353 $ 42,596 $ (31) $ 601,405 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 June 30, 2022 U.S. Government Treasury $ 303,379 $ - $ 13,671 $ 289,708 Mortgage-Backed Securities (1) 224,879 66 15,690 209,255 Total $ 528,258 $ 66 $ 29,361 $ 498,963 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 $ 34,031 $ 31,933 $ - $ - Due after one year through five years 316,240 296,327 303,379 289,708 Due after five year through ten years 59,474 51,323 - - Mortgage-Backed Securities 86,168 77,821 224,879 209,255 U.S. Government Agency 140,439 136,674 - - Equity Securities 7,327 7,327 - - Total $ 643,679 $ 601,405 $ 528,258 $ 498,963
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 June 30, 2022 Available for U.S. Government Treasury $ 115,930 $ 7,757 $ 61,965 $ 4,034 $ 177,895 $ 11,791 U.S. Government Agency 129,675 7,137 43,349 2,451 173,024 9,588 States and Political Subdivisions 40,323 5,229 437 40 40,760 5,269 Mortgage-Backed Securities 73,829 7,909 3,801 446 77,630 8,355 Corporate Debt Securities 82,151 7,285 3,192 308 85,343 7,593 Total 441,908 35,317 112,744 7,279 554,652 42,596 Held to Maturity U.S. Government Treasury 284,789 13,375 4,919 296 289,708 13,671 Mortgage-Backed Securities 195,328 14,395 9,659 1,295 204,987 15,690 Total $ 480,117 $ 27,770 $ 14,578 $ 1,591 $ 494,695 $ 29,361 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)	6 Months Ended
	Jun. 30, 2022
Loans Held For Investment And Allowance For Credit Losses [Abstract]
Schedule of composition of the loan portfolio	(Dollars in Thousands) June 30, 2022 December 31, 2021 Commercial, Financial and Agricultural $ 247,902 $ 223,086 Real Estate – Construction 225,664 174,394 Real Estate – Commercial Mortgage 699,093 663,550 Real Estate – Residential (1) 484,975 360,021 Real Estate – Home Equity 194,658 187,821 Consumer (2) 361,361 322,593 Loans Held For Investment, Net of Unearned Income $ 2,213,653 $ 1,931,465 (1) Includes loans in process balances of $ 7.2 13.6 (2) Includes overdraft balances of $ 1.5 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 June 30, 2022 Beginning Balance $ 2,122 $ 2,596 $ 5,392 $ 4,470 $ 1,916 $ 4,260 $ 20,756 Provision for Credit Losses 564 542 (396) 1,060 (223) 123 1,670 Charge-Offs (1,104) - - - - (1,193) (2,297) Recoveries 59 - 56 115 67 855 1,152 Net (Charge-Offs) Recoveries (1,045) - 56 115 67 (338) (1,145) Ending Balance $ 1,641 $ 3,138 $ 5,052 $ 5,645 $ 1,760 $ 4,045 $ 21,281 Six Months Ended June 30, 2022 Beginning Balance $ 2,191 $ 3,302 $ 5,810 $ 4,129 $ 2,296 $ 3,878 $ 21,606 Provision for Credit Losses 403 (172) (577) 1,374 (628) 1,191 1,591 Charge-Offs (1,177) - (266) - (33) (2,595) (4,071) Recoveries 224 8 85 142 125 1,571 2,155 Net (Charge-Offs) Recoveries (953) 8 (181) 142 92 (1,024) (1,916) Ending Balance $ 1,641 $ 3,138 $ 5,052 $ 5,645 $ 1,760 $ 4,045 $ 21,281 Three Months Ended June 30, 2021 Beginning Balance $ 1,957 $ 2,254 $ 6,956 $ 5,204 $ 2,575 $ 3,080 $ 22,026 Provision for Credit Losses (56) 505 587 (1,030) (114) (76) (184) Charge-Offs (32) - - (65) (74) (670) (841) Recoveries 103 - 26 244 70 731 1,174 Net Charge-Offs 71 - 26 179 (4) 61 333 Ending Balance $ 1,972 $ 2,759 $ 7,569 $ 4,353 $ 2,457 $ 3,065 $ 22,175 Six Months Ended June 30, 2021 Beginning Balance $ 2,204 $ 2,479 $ 7,029 $ 5,440 $ 3,111 $ 3,553 $ 23,816 Provision for Credit Losses (370) 280 (131) (1,335) (769) (171) (2,496) Charge-Offs (101) - - (71) (79) (1,726) (1,977) Recoveries 239 - 671 319 194 1,409 2,832 Net Charge-Offs 138 - 671 248 115 (317) 855 Ending Balance $ 1,972 $ 2,759 $ 7,569 $ 4,353 $ 2,457 $ 3,065 $ 22,175
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 June 30, 2022 Commercial, Financial and Agricultural $ 166 $ 27 $ - $ 193 $ 247,638 $ 71 $ 247,902 Real Estate – Construction - - - - 225,664 - 225,664 Real Estate – Commercial Mortgage 358 - - 358 698,305 430 699,093 Real Estate – Residential 236 - - 236 483,064 1,675 484,975 Real Estate – Home Equity 225 - - 225 193,700 733 194,658 Consumer 1,906 636 - 2,542 358,587 232 361,361 Total $ 2,891 $ 663 $ - $ 3,554 $ 2,206,958 $ 3,141 $ 2,213,653 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	June 30, 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 $ - $ 71 $ - $ 67 $ 23 $ - Real Estate – Construction - - - - - - Real Estate – Commercial Mortgage - 430 - - 604 - Real Estate – Residential 1,508 167 - 928 1,169 - Real Estate – Home Equity - 733 - 463 856 - Consumer - 232 - - 212 - Total Nonaccrual $ 1,508 $ 1,633 $ - $ 1,458 $ 2,864 $ -
Amortized cost basis of collateral-dependent loans	June 30, 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 697 - 1,645 - Real Estate – Home Equity 598 - 649 - Consumer - - - - Total Collateral Dependent $ 1,295 $ - $ 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 $ 49,887 $ 54,079 $ 25,439 $ 21,041 $ 15,004 $ 15,218 $ 66,828 $ 247,496 Special Mention - - - 9 - 23 117 149 Substandard - - 8 - 122 127 - 257 Total $ 49,887 $ 54,079 $ 25,447 $ 21,050 $ 15,126 $ 15,368 $ 66,945 $ 247,902 Real Estate - Construction: Pass $ 57,643 $ 107,385 $ 48,432 $ 8,482 $ - $ 126 $ 2,905 $ 224,973 Special Mention - - 691 - - - - 691 Total $ 57,643 $ 107,385 $ 49,123 $ 8,482 $ - $ 126 $ 2,905 $ 225,664 Real Estate - Commercial Mortgage: Pass $ 124,927 $ 155,769 $ 116,218 $ 66,400 $ 67,022 $ 119,767 $ 25,115 $ 675,218 Special Mention 224 1,133 235 1,740 742 6,862 1,493 12,429 Substandard 7,510 1,788 402 631 - 1,047 68 11,446 Total $ 132,661 $ 158,690 $ 116,855 $ 68,771 $ 67,764 $ 127,676 $ 26,676 $ 699,093 Real Estate - Residential: Pass $ 183,113 $ 106,587 $ 51,210 $ 31,925 $ 22,142 $ 74,104 $ 7,508 $ 476,589 Special Mention 59 - 130 17 59 562 - 827 Substandard 119 1,076 976 935 895 3,558 - 7,559 Total $ 183,291 $ 107,663 $ 52,316 $ 32,877 $ 23,096 $ 78,224 $ 7,508 $ 484,975 Real Estate - Home Equity: Performing $ 29 $ 133 $ 13 $ 299 $ 154 $ 2,101 $ 191,196 $ 193,925 Nonperforming - - - 16 - - 717 733 Total $ 29 $ 133 $ 13 $ 315 $ 154 $ 2,101 $ 191,913 $ 194,658 Consumer: Performing $ 112,549 $ 139,965 $ 48,931 $ 28,715 $ 18,005 $ 7,544 $ 5,420 $ 361,129 Nonperforming 22 56 56 47 38 13 - 232 Total $ 112,571 $ 140,021 $ 48,987 $ 28,762 $ 18,043 $ 7,557 $ 5,420 $ 361,361

MORTGAGE BANKING ACTIVITIES (Ta

MORTGAGE BANKING ACTIVITIES (Tables)	6 Months Ended
	Jun. 30, 2022
Mortgage Banking Activities [Abstract]
Residential Mortgage Loan Production	June 30, 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 $ 47,805 $ 48,708 $ 50,733 $ 52,532 Residential Mortgage Loan Commitments ("IRLCs") (1) 62,201 934 51,883 1,258 Forward Sales Contracts (2) 31,500 (45) 48,000 (7) $ 49,597 $ 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 Six Months Ended June (Dollars in Thousands) 2022 2021 2022 2021 Net realized gains on sales of mortgage loans $ 4,800 $ 13,534 $ 9,935 $ 27,958 Net change in unrealized gain on mortgage loans held for sale 79 532 (895) (1,499) Net change in the fair value of mortgage loan commitments (183) (458) (324) (2,301) Net change in the fair value of forward sales contracts (896) (1,446) (38) 817 Pair-Offs on net settlement of forward sales contracts 1,954 (476) 4,209 2,835 Mortgage servicing rights additions 1,457 453 2,088 640 Net origination fees 1,854 1,078 3,036 1,892 Total mortgage banking $ 9,065 $ 13,217 $ 18,011 $ 30,342
Summary of mortgage servicing rights	(Dollars in Thousands) June 30, 2022 December 31, 2021 Number of residential mortgage loans serviced for others 2,555 2,106 Outstanding principal balance of residential mortgage loans serviced $ 703,537 $ 532,967 Weighted average 3.70% 3.59% Remaining contractual term (in months) 323 317
Summary of mortgage servicing rights	Three Months Ended June 30, Six Months Ended June 30, (Dollars in Thousands) 2022 2021 2022 2021 Beginning balance $ 4,001 $ 3,583 $ 3,774 $ 3,452 Additions due to loans sold with servicing retained 1,457 453 2,088 640 Deletions and amortization (372) (326) (776) (632) Valuation - - - 250 Ending balance $ 5,086 $ 3,710 $ 5,086 $ 3,710
Key unobservable inputs used in determining the fair value of mortgage servicing rights	June 30, 2022 December 31, 2021 Minimum Maximum Minimum Maximum Discount rates 9.00% 11.00% 11.00% 15.00% Annual prepayment speeds 9.46% 11.54% 11.98% 23.79% Cost of servicing (per loan) $ 65 $ 138 $ 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 12,657 $ 75 November 2022 . 2.25% , to 3.25% . 22,333 Total Warehouse $ 34,990

DERIVATIVES (Tables)

DERIVATIVES (Tables)	6 Months Ended
	Jun. 30, 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 June 30, 2022 Interest rate swaps related to subordinated debt Other Assets $ 30,000 $ 5,046 8.0 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 June 30, 2022 Interest expense $ 867 $ 26 Three months ended June 30, 2021 Interest expense (686) (37) Six months ended June 30, 2022 Interest expense $ 2,237 $ (2) Six months ended June 30, 2021 Interest expense 900 (70)

LEASES (Tables)

LEASES (Tables)	6 Months Ended
	Jun. 30, 2022
Leases [Abstract]
Summary of lease expense and other information related to operating leases	Three Months Ended Six Months Ended June 30, June 30, (Dollars in Thousands) 2022 2021 2022 2021 Operating lease expense $ 391 $ 362 $ 775 $ 706 Short-term lease expense 159 170 337 310 Total $ 550 $ 532 $ 1,112 $ 1,016 Other information: Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 435 $ 402 $ 864 $ 786 Right-of-use assets obtained in exchange for new operating lease liabilities 600 440 1,192 515 Weighted average 24.5 25.1 24.5 25.1 Weighted average 2.2% 2.0% 2.2% 2.0%
Summary of maturity of remaining lease liabilities	The table below summarizes the maturity of remaining lease liabilities: (Dollars in Thousands) June 30, 2022 2022 $ 1,717 2023 1,715 2024 1,470 2025 1,249 2026 1,122 2027 and thereafter 11,731 Total $ 19,004 Less: Interest (6,503) Present Value $ 12,501

EMPLOYEE BENEFIT PLANS (Tables)

EMPLOYEE BENEFIT PLANS (Tables)	6 Months Ended
	Jun. 30, 2022
Defined Benefit Pension Plan [Member]
Defined Benefit Plan Disclosure [Line Items]
Schedule of Components of Net Periodic Benefit Cost	Three Months Ended June 30, Six Months Ended June 30, (Dollars in Thousands) 2022 2021 2022 2021 Service Cost $ 1,572 $ 1,743 $ 3,145 $ 3,486 Interest Cost 1,166 1,221 2,333 2,442 Expected Return on Plan Assets (2,675) (2,787) (5,351) (5,574) Prior Service Cost Amortization 4 4 8 8 Net Loss Amortization 428 1,691 857 3,382 Pension Settlement 169 2,000 378 2,000 Net Periodic Benefit Cost $ 664 $ 3,872 $ 1,370 $ 5,744 Discount Rate 3.11% 2.88% 3.11% 2.88% Long-term Rate of Return on Assets 6.75% 6.75% 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 and SERP II Three Months Ended June 30, Six Months Ended June 30, (Dollars in Thousands) 2022 2021 2022 2021 Service Cost $ 8 $ 9 $ 16 $ 18 Interest Cost 79 61 158 120 Prior Service Cost Amortization 69 69 138 88 Net Loss Amortization 180 243 360 441 Net Periodic Benefit Cost $ 336 $ 382 $ 672 $ 667 Discount Rate 2.80% 2.38% 2.80% 2.38%

COMMITMENTS AND CONTINGENCIES (

COMMITMENTS AND CONTINGENCIES (Tables)	6 Months Ended
	Jun. 30, 2022
Commitments and Contingencies [Abstract]
Schedule of amounts associated with the entities off-balance sheet obligations	June 30, 2022 December 31, 2021 (Dollars in Thousands) Fixed Variable Total Fixed Variable Total Commitments to Extend Credit $ 215,601 $ 515,886 $ 731,487 $ 217,531 $ 505,897 $ 723,428 Standby Letters of Credit 6,196 - 6,196 5,205 - 5,205 Total $ 221,797 $ 515,886 $ 737,683 $ 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 June 30, Six Months Ended June 30, (Dollars in Thousands) 2022 2021 2022 2021 Beginning Balance $ 2,976 $ 2,974 $ 2,897 $ 1,644 Provision for Credit Losses (123) (387) (44) 943 Ending Balance $ 2,853 $ 2,587 $ 2,853 $ 2,587

FAIR VALUE MEASUREMENTS (Tables

FAIR VALUE MEASUREMENTS (Tables)	6 Months Ended
	Jun. 30, 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 June 30, 2022 ASSETS: Securities Available for U.S. Government Treasury $ 177,895 $ - $ - $ 177,895 U.S. Government Agency - 210,684 - 210,684 States and Political Subdivisions - 42,357 - 42,357 Mortgage-Backed Securities - 77,821 - 77,821 Corporate Debt Securities - 85,321 - 85,321 Other Securities - 7,327 - 7,327 Loans Held for Sale - 48,708 - 48,708 Interest Rate Swap Derivative - 5,046 - 5,046 Mortgage Banking IRLC Derivative - - 934 934 Mortgage Servicing Rights - - 9,336 9,336 LIABILITIES: Mortgage Banking Hedge Derivative $ - $ 45 $ - $ 45 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	June 30, 2022 Carrying Level 1 Level 2 Level 3 (Dollars in Thousands) Value Inputs Inputs Inputs ASSETS: Cash $ 91,209 $ 91,209 $ - $ - Short-Term Investments 603,315 603,315 - - Investment Securities, Available 601,405 177,895 423,510 - Investment Securities, Held to Maturity 528,258 289,708 209,255 - Equity Securities (1) 900 - 900 - Loans Held for Sale 48,708 - 48,708 - Other Equity Securities (2) 2,848 - 2,848 - Interest Rate Swap Derivative 5,046 - 5,046 - Mortgage Servicing Rights 5,086 - - 9,336 Mortgage Banking IRLC Derivative 934 - - 934 Loans, Net of Allowance for Credit Losses 2,192,372 - - 2,127,117 LIABILITIES: Deposits $ 3,786,258 $ - $ 3,335,175 $ - Short-Term 39,463 - 39,462 - Subordinated Notes Payable 52,887 - 46,121 - Long-Term Borrowings 612 - 627 - Mortgage Banking Hedge Derivative 45 - 45 - 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)	6 Months Ended
	Jun. 30, 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 (27,071) 2,237 283 (24,551) Balance as of June 30, 2022 $ (31,659) $ 3,767 $ (12,873) $ (40,765) Balance as of January 1, 2021 $ 2,700 $ 428 $ (47,270) $ (44,142) Other comprehensive (loss) income during the period (1,816) 900 1,635 719 Balance as of June 30, 2021 $ 884 $ 1,328 $ (45,635) $ (43,423)

BUSINESS AND BASIS OF PRESENT_3

BUSINESS AND BASIS OF PRESENTATION - Narrative (Details) - Strategic Wealth Group, LLC [Member] $ in Millions		6 Months Ended
	Apr. 30, 2021 USD ($) BankingOffices	Jun. 30, 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	Jun. 30, 2022	Dec. 31, 2021
Available-for-sale
Amortized cost	$ 643,679	$ 660,732
Unrealized Gains	353	1,375
Unrealized Losses	42,596	7,460
Allowance for Credit Losses	(31)	(36)
Fair Value	601,405	654,611
Federal Home Loan Bank	2,300	2,000
Federal Reserve Bank stock	5,100	5,100
Held to Maturity
Amortized Cost	528,258	339,601
Unrealized Gains	66	2,819
Unrealized Losses	29,361	2,721
Fair Value	498,963	339,699
U.S. Government Treasury [Member]
Available-for-sale
Amortized cost	189,686	190,409
Unrealized Gains	0	65
Unrealized Losses	11,791	2,606
Allowance for Credit Losses	0	0
Fair Value	177,895	187,868
Held to Maturity
Amortized Cost	303,379	115,499
Unrealized Gains	0	0
Unrealized Losses	13,671	1,622
Fair Value	289,708	113,877
U.S. Government Agency [Member]
Available-for-sale
Amortized cost	219,936	238,490
Unrealized Gains	336	1,229
Unrealized Losses	9,588	2,141
Allowance for Credit Losses	0	0
Fair Value	210,684	237,578
States and Political Subdivisions [Member]
Available-for-sale
Amortized cost	47,626	47,762
Unrealized Gains	9	44
Unrealized Losses	5,269	811
Allowance for Credit Losses	(9)	(15)
Fair Value	42,357	46,980
Mortgage-Backed Securities [Member]
Available-for-sale
Amortized cost	86,168	89,440
Unrealized Gains	8	27
Unrealized Losses	8,355	598
Allowance for Credit Losses	0	0
Fair Value	77,821	88,869
Held to Maturity
Amortized Cost	224,879	224,102
Unrealized Gains	66	2,819
Unrealized Losses	15,690	1,099
Fair Value	209,255	225,822
Corporate Debt Securities [Member]
Available-for-sale
Amortized cost	92,936	87,537
Unrealized Gains	0	10
Unrealized Losses	7,593	1,304
Allowance for Credit Losses	(22)	(21)
Fair Value	85,321	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	Jun. 30, 2022	Dec. 31, 2021
Amortized Cost
Due in one year or less	$ 34,031
Due after one through five years	316,240
Due after five year through ten years	59,474
Total Amortized cost	643,679	$ 660,732
Market Value
Due in one year or less	31,933
Due after one through five years	296,327
Due after five year through ten years	51,323
Fair Value	601,405	654,611
Amortized Cost
Due in one year or less	0
Due after one through five years	303,379
Due after five year through ten years	0
Total Investment Securities	528,258	339,601
Fair Value
Due in one year or less	0
Due after five year through ten years	289,708
Due after five year through ten years	0
Fair Value	498,963	339,699
Mortgage-Backed Securities [Member]
Amortized Cost
Due without single maturity date	86,168
Total Amortized cost	86,168	89,440
Market Value
Due without single maturity date	77,821
Fair Value	77,821	88,869
Amortized Cost
Due without single maturity date	224,879
Total Investment Securities	224,879	224,102
Fair Value
Due without single maturity date	209,255
Fair Value	209,255	225,822
U.S. Government Agency [Member]
Amortized Cost
Due without single maturity date	140,439
Total Amortized cost	219,936	238,490
Market Value
Due without single maturity date	136,674
Fair Value	210,684	$ 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	Jun. 30, 2022	Dec. 31, 2021
Available-for-sale securities
Less Than 12 Months, Fair Value	$ 441,908	$ 492,998
Less Than 12 Months, Unrealized Losses	35,317	7,105
Greater Than 12 Months, Fair Value	112,744	17,986
Greater Than 12 Months, Unrealized Losses	7,279	355
Total Fair Value	554,652	510,984
Total Unrealized Losses	42,596	7,460
Held-to-maturity, Debt Securities
Less Than 12 Months, Fair Value	480,117	228,892
Less Than 12 Months, Unrealized Losses	27,770	2,721
Greater Than 12 Months, Fair Value	14,578	0
Greater Than 12 Months, Unrealized Losses	1,591	0
Total Fair Value	494,695	228,892
Total Unrealized Losses	29,361	2,721
U.S. Government Treasury [Member]
Available-for-sale securities
Less Than 12 Months, Fair Value	115,930	172,206
Less Than 12 Months, Unrealized Losses	7,757	2,606
Greater Than 12 Months, Fair Value	61,965	0
Greater Than 12 Months, Unrealized Losses	4,034	0
Total Fair Value	177,895	172,206
Total Unrealized Losses	11,791	2,606
Held-to-maturity, Debt Securities
Less Than 12 Months, Fair Value	284,789	113,877
Less Than 12 Months, Unrealized Losses	13,375	1,622
Greater Than 12 Months, Fair Value	4,919	0
Greater Than 12 Months, Unrealized Losses	296	0
Total Fair Value	289,708	113,877
Total Unrealized Losses	13,671	1,622
U.S. Government Agency [Member]
Available-for-sale securities
Less Than 12 Months, Fair Value	129,675	127,484
Less Than 12 Months, Unrealized Losses	7,137	1,786
Greater Than 12 Months, Fair Value	43,349	17,986
Greater Than 12 Months, Unrealized Losses	2,451	355
Total Fair Value	173,024	145,470
Total Unrealized Losses	9,588	2,141
States and Political Subdivisions [Member]
Available-for-sale securities
Less Than 12 Months, Fair Value	40,323	42,122
Less Than 12 Months, Unrealized Losses	5,229	811
Greater Than 12 Months, Fair Value	437	0
Greater Than 12 Months, Unrealized Losses	40	0
Total Fair Value	40,760	42,122
Total Unrealized Losses	5,269	811
Mortgage-Backed Securities [Member]
Available-for-sale securities
Less Than 12 Months, Fair Value	73,829	81,832
Less Than 12 Months, Unrealized Losses	7,909	598
Greater Than 12 Months, Fair Value	3,801	0
Greater Than 12 Months, Unrealized Losses	446	0
Total Fair Value	77,630	81,832
Total Unrealized Losses	8,355	598
Held-to-maturity, Debt Securities
Less Than 12 Months, Fair Value	195,328	115,015
Less Than 12 Months, Unrealized Losses	14,395	1,099
Greater Than 12 Months, Fair Value	9,659	0
Greater Than 12 Months, Unrealized Losses	1,295	0
Total Fair Value	204,987	115,015
Total Unrealized Losses	15,690	1,099
Corporate Debt Securities [Member]
Available-for-sale securities
Less Than 12 Months, Fair Value	82,151	69,354
Less Than 12 Months, Unrealized Losses	7,285	1,304
Greater Than 12 Months, Fair Value	3,192	0
Greater Than 12 Months, Unrealized Losses	308	0
Total Fair Value	85,343	69,354
Total Unrealized Losses	$ 7,593	$ 1,304

INVESTMENT SECURITIES (Narrativ

INVESTMENT SECURITIES (Narrative) (Details)	6 Months Ended
	Jun. 30, 2022 USD ($) Contracts	Jun. 30, 2021 USD ($)	Mar. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)	Mar. 31, 2021 USD ($)	Dec. 31, 2020 USD ($)
Schedule of Available-for-sale Securities [Line Items]
Financing Receivable, Allowance for Credit Loss	$ 21,281,000	$ 22,175,000	$ 20,756,000	$ 21,606,000	$ 22,026,000	$ 23,816,000
Securities pledged to secure public deposits	375,200,000			463,800,000
Equity Securities	900,000			$ 861,000
Sales of investment securities	$ 3,365,000	$ 0
AFS and HTM [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 | Contracts	833
Available-for-sale Securities and Held-To-Maturity, Continuous Unrealized Loss Position Fair Value, Total	$ 72,000,000
U.S. Government Treasury Bonds [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 | Contracts	87
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 | Contracts	621
Municipal securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Financing Receivable, Allowance for Credit Loss	$ 9,000
Corporate Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Financing Receivable, Allowance for Credit Loss	$ 22,000
Municipal and corporate bonds [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 | Contracts	125

LOANS HELD FOR INVESTMENT AND_3

LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Portfolio Composition) (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Loan Portfolio Composition
Loans Held For Investment, Net of Unearned Income	$ 2,213,653	$ 1,931,465
Commercial, Financial and Agricultural [Member]
Loan Portfolio Composition
Loans Held For Investment, Net of Unearned Income	247,902	223,086
Real Estate - Construction [Member]
Loan Portfolio Composition
Loans Held For Investment, Net of Unearned Income	225,664	174,394
Real Estate - Commercial Mortgage [Member]
Loan Portfolio Composition
Loans Held For Investment, Net of Unearned Income	699,093	663,550
Real Estate - Residential [Member]
Loan Portfolio Composition
Loans Held For Investment, Net of Unearned Income	484,975	360,021
Loans in Process with outstanding balances	7,200	13,600
Real Estate - Home Equity [Member]
Loan Portfolio Composition
Loans Held For Investment, Net of Unearned Income	194,658	187,821
Consumer [Member]
Loan Portfolio Composition
Loans Held For Investment, Net of Unearned Income	361,361	322,593
Overdraft Balances	$ 1,500	$ 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 ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	$ 20,756,000	$ 22,026,000	$ 21,606,000	$ 23,816,000
Provision for Credit Losses	1,670,000	(184,000)	1,591,000	(2,496,000)
Charge-Offs	(2,297,000)	(841,000)	(4,071,000)	(1,977,000)
Recoveries	1,152,000	1,174,000	2,155,000	2,832,000
Net (Charge-Offs) Recoveries	(1,145,000)	333,000	(1,916,000)	855,000
Ending Balance	21,281,000	22,175,000	21,281,000	22,175,000
Commercial, Financial and Agricultural [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	2,122,000	1,957,000	2,191,000	2,204,000
Provision for Credit Losses	564,000	(56,000)	403,000	(370,000)
Charge-Offs	(1,104,000)	(32,000)	(1,177,000)	(101,000)
Recoveries	59,000	103,000	224,000	239,000
Net (Charge-Offs) Recoveries	(1,045,000)	71,000	(953,000)	138,000
Ending Balance	1,641,000	1,972,000	1,641,000	1,972,000
Real Estate - Construction [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	2,596,000	2,254,000	3,302,000	2,479,000
Provision for Credit Losses	542,000	505,000	(172,000)	280,000
Charge-Offs	0	0	0	0
Recoveries	0	0	8,000	0
Net (Charge-Offs) Recoveries	0	0	8,000	0
Ending Balance	3,138,000	2,759,000	3,138,000	2,759,000
Real Estate - Commercial Mortgage [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	5,392,000	6,956,000	5,810,000	7,029,000
Provision for Credit Losses	(396,000)	587,000	(577,000)	(131,000)
Charge-Offs	0	0	(266,000)	0
Recoveries	56,000	26,000	85,000	671,000
Net (Charge-Offs) Recoveries	56,000	26,000	(181,000)	671,000
Ending Balance	5,052,000	7,569,000	5,052,000	7,569,000
Real Estate - Residential [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	4,470,000	5,204,000	4,129,000	5,440,000
Provision for Credit Losses	1,060,000	(1,030,000)	1,374,000	(1,335,000)
Charge-Offs	0	(65,000)	0	(71,000)
Recoveries	115,000	244,000	142,000	319,000
Net (Charge-Offs) Recoveries	115,000	179,000	142,000	248,000
Ending Balance	5,645,000	4,353,000	5,645,000	4,353,000
Real Estate - Home Equity [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	1,916,000	2,575,000	2,296,000	3,111,000
Provision for Credit Losses	(223,000)	(114,000)	(628,000)	(769,000)
Charge-Offs	0	(74,000)	(33,000)	(79,000)
Recoveries	67,000	70,000	125,000	194,000
Net (Charge-Offs) Recoveries	67,000	(4,000)	92,000	115,000
Ending Balance	1,760,000	2,457,000	1,760,000	2,457,000
Consumer [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	4,260,000	3,080,000	3,878,000	3,553,000
Provision for Credit Losses	123,000	(76,000)	1,191,000	(171,000)
Charge-Offs	(1,193,000)	(670,000)	(2,595,000)	(1,726,000)
Recoveries	855,000	731,000	1,571,000	1,409,000
Net (Charge-Offs) Recoveries	(338,000)	61,000	(1,024,000)	(317,000)
Ending Balance	$ 4,045,000	$ 3,065,000	$ 4,045,000	$ 3,065,000

LOANS HELD FOR INVESTMENT AND_5

LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Loan Portfolio Aging) (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loans	$ 3,141	$ 4,322
Total Loans	2,213,653	1,931,465
Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	3,554	3,600
Total Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	2,206,958	1,923,543
30-59 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	2,891	2,790
60-89 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	663	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	247,902
Nonaccrual loans	71	90
Total Loans	247,902	223,086
Commercial, Financial and Agricultural [Member] | Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	193	123
Commercial, Financial and Agricultural [Member] | Total Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	247,638	222,873
Commercial, Financial and Agricultural [Member] | 30-59 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	166	100
Commercial, Financial and Agricultural [Member] | 60-89 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	27	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	225,664
Nonaccrual loans	0	0
Total Loans	225,664	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	225,664	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	699,093
Nonaccrual loans	430	604
Total Loans	699,093	663,550
Real Estate - Commercial Mortgage [Member] | Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	358	151
Real Estate - Commercial Mortgage [Member] | Total Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	698,305	662,795
Real Estate - Commercial Mortgage [Member] | 30-59 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	358	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	484,975
Nonaccrual loans	1,675	2,097
Total Loans	484,975	360,021
Real Estate - Residential [Member] | Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	236	516
Real Estate - Residential [Member] | Total Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	483,064	357,408
Real Estate - Residential [Member] | 30-59 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	236	365
Real Estate - Residential [Member] | 60-89 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	0	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	194,658
Nonaccrual loans	733	1,319
Total Loans	194,658	187,821
Real Estate - Home Equity [Member] | Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	225	210
Real Estate - Home Equity [Member] | Total Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	193,700	186,292
Real Estate - Home Equity [Member] | 30-59 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	225	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	361,361
Nonaccrual loans	232	212
Total Loans	361,361	322,593
Consumer [Member] | Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	2,542	2,600
Consumer [Member] | Total Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	358,587	319,781
Consumer [Member] | 30-59 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	1,906	1,964
Consumer [Member] | 60-89 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	636	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	Jun. 30, 2022	Dec. 31, 2021
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual, with ACL	$ 1,508	$ 1,458
Nonaccrual With No ACL	1,633	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	71	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	430	604
90+ Days Still Accruing	0	0
Real Estate - Residential [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual, with ACL	1,508	928
Nonaccrual With No ACL	167	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	733	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	232	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	Jun. 30, 2022	Dec. 31, 2021
Asset Pledged as Collateral [Member]
Loans and Leases Receivable Disclosure [Line Items]
Financing Receivable	$ 1,300	$ 2,800
Real estate secured [Member] | Asset Pledged as Collateral [Member]
Loans and Leases Receivable Disclosure [Line Items]
Financing Receivable	1,295	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	247,902
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	225,664
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	699,093
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	484,975
Real Estate - Residential [Member] | Real estate secured [Member] | Asset Pledged as Collateral [Member]
Loans and Leases Receivable Disclosure [Line Items]
Financing Receivable	697	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	194,658
Real Estate - Home Equity [Member] | Real estate secured [Member] | Asset Pledged as Collateral [Member]
Loans and Leases Receivable Disclosure [Line Items]
Financing Receivable	598	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	361,361
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	Jun. 30, 2022 USD ($)
Commercial, Financial and Agricultural [Member]
Financing Receivable, Recorded Investment [Line Items]
2022	$ 49,887
2021	54,079
2020	25,447
2019	21,050
2018	15,126
Prior	15,368
Revolving Loans	66,945
Total	247,902
Real Estate - Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
2022	57,643
2021	107,385
2020	49,123
2019	8,482
2018	0
Prior	126
Revolving Loans	2,905
Total	225,664
Real Estate - Commercial Mortgage [Member]
Financing Receivable, Recorded Investment [Line Items]
2022	132,661
2021	158,690
2020	116,855
2019	68,771
2018	67,764
Prior	127,676
Revolving Loans	26,676
Total	699,093
Real Estate - Residential [Member]
Financing Receivable, Recorded Investment [Line Items]
2022	183,291
2021	107,663
2020	52,316
2019	32,877
2018	23,096
Prior	78,224
Revolving Loans	7,508
Total	484,975
Real Estate - Home Equity [Member]
Financing Receivable, Recorded Investment [Line Items]
2022	29
2021	133
2020	13
2019	315
2018	154
Prior	2,101
Revolving Loans	191,913
Total	194,658
Real Estate - Home Equity [Member] | Performing Financial Instruments [Member]
Financing Receivable, Recorded Investment [Line Items]
2022	29
2021	133
2020	13
2019	299
2018	154
Prior	2,101
Revolving Loans	191,196
Total	193,925
Real Estate - Home Equity [Member] | Nonperforming Financial Instruments [Member]
Financing Receivable, Recorded Investment [Line Items]
2022	0
2021	0
2020	0
2019	16
2018	0
Prior	0
Revolving Loans	717
Total	733
Consumer [Member]
Financing Receivable, Recorded Investment [Line Items]
2022	112,571
2021	140,021
2020	48,987
2019	28,762
2018	18,043
Prior	7,557
Revolving Loans	5,420
Total	361,361
Consumer [Member] | Performing Financial Instruments [Member]
Financing Receivable, Recorded Investment [Line Items]
2022	112,549
2021	139,965
2020	48,931
2019	28,715
2018	18,005
Prior	7,544
Revolving Loans	5,420
Total	361,129
Consumer [Member] | Nonperforming Financial Instruments [Member]
Financing Receivable, Recorded Investment [Line Items]
2022	22
2021	56
2020	56
2019	47
2018	38
Prior	13
Revolving Loans	0
Total	232
Pass [Member] | Commercial, Financial and Agricultural [Member]
Financing Receivable, Recorded Investment [Line Items]
2022	49,887
2021	54,079
2020	25,439
2019	21,041
2018	15,004
Prior	15,218
Revolving Loans	66,828
Total	247,496
Pass [Member] | Real Estate - Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
2022	57,643
2021	107,385
2020	48,432
2019	8,482
2018	0
Prior	126
Revolving Loans	2,905
Total	224,973
Pass [Member] | Real Estate - Commercial Mortgage [Member]
Financing Receivable, Recorded Investment [Line Items]
2022	124,927
2021	155,769
2020	116,218
2019	66,400
2018	67,022
Prior	119,767
Revolving Loans	25,115
Total	675,218
Pass [Member] | Real Estate - Residential [Member]
Financing Receivable, Recorded Investment [Line Items]
2022	183,113
2021	106,587
2020	51,210
2019	31,925
2018	22,142
Prior	74,104
Revolving Loans	7,508
Total	476,589
Special Mention [Member] | Commercial, Financial and Agricultural [Member]
Financing Receivable, Recorded Investment [Line Items]
2022	0
2021	0
2020	0
2019	9
2018	0
Prior	23
Revolving Loans	117
Total	149
Special Mention [Member] | Real Estate - Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
2022	0
2021	0
2020	691,000
2019	0
2018	0
Prior	0
Revolving Loans	0
Total	691,000
Special Mention [Member] | Real Estate - Commercial Mortgage [Member]
Financing Receivable, Recorded Investment [Line Items]
2022	224
2021	1,133
2020	235
2019	1,740
2018	742
Prior	6,862
Revolving Loans	1,493
Total	12,429
Special Mention [Member] | Real Estate - Residential [Member]
Financing Receivable, Recorded Investment [Line Items]
2022	59
2021	0
2020	130
2019	17
2018	59
Prior	562
Revolving Loans	0
Total	827
Substandard [Member] | Commercial, Financial and Agricultural [Member]
Financing Receivable, Recorded Investment [Line Items]
2022	0
2021	0
2020	8
2019	0
2018	122
Prior	127
Revolving Loans	0
Total	257
Substandard [Member] | Real Estate - Commercial Mortgage [Member]
Financing Receivable, Recorded Investment [Line Items]
2022	7,510
2021	1,788
2020	402
2019	631
2018	0
Prior	1,047
Revolving Loans	68
Total	11,446
Substandard [Member] | Real Estate - Residential [Member]
Financing Receivable, Recorded Investment [Line Items]
2022	119
2021	1,076
2020	976
2019	935
2018	895
Prior	3,558
Revolving Loans	0
Total	$ 7,559

LOANS HELD FOR INVESTMENT AND_9

LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES, (Narratives) (Details) $ in Thousands	3 Months Ended		6 Months Ended		12 Months Ended
	Jun. 30, 2022 USD ($) Contracts	Jun. 30, 2021 USD ($) Contracts	Jun. 30, 2022 USD ($) Contracts	Jun. 30, 2021 USD ($) Contracts	Dec. 31, 2021 USD ($)
Provision for Credit Losses	$ 1,670	$ (184)	$ 1,591	$ (2,496)
Net loan charge-offs	1,145	$ (333)	1,916	(855)
Change in financing receivable allowance			(300)	$ (1,600)
Accrued interest receivable	6,300		6,300		$ 5,300
TDRs	6,700		6,700		8,000
TDRs performing in accordance with modified terms					7,600
Estimated loan loss reserves	300		300
Real estate loans for which formal foreclosure proceedings were in process	$ 800		$ 800		900
Number of Contracts | Contracts	0	1		3
Number of loan contracts classified as TDRs | Contracts			0
Loan modified with a recorded investment		$ 100		$ 600
Loans and Leases Receivable net deferred costs	$ 7,000		$ 7,000		$ 3,900
Purchase of real estate secured adjustable rate loans	$ 15,000	$ 17,400
CCHL [Member]
Payments to Purchase Mortgage Loans Held-for-sale			$ 158,800	$ 51,100

MORTGAGE BANKING ACTIVITIES (Un

MORTGAGE BANKING ACTIVITIES (Unpaid principal balance of residential mortgage loans) (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Other Assets	$ 111,935	$ 94,349
Other Liabilities	93,319	67,735
Loans Held For Sale, at Fair Value	48,708	52,532
Residential Mortgage [Member]
Loans Held for Sale	47,805	50,733
Loans Held For Sale, at Fair Value	48,708	52,532
Fair Value	49,597	53,783
Residential Mortgage [Member] | Loan Commitments (IRLCs) [Member]
Other Assets	62,201	51,883
Other Assets Fair Value	934	1,258
Residential Mortgage [Member] | Forward Sales Contracts [Member]
Other Liabilities	31,500	48,000
Other Liabilities at Fair Value	$ (45)	$ (7)

MORTGAGE BANKING ACTIVITIES (Mo

MORTGAGE BANKING ACTIVITIES (Mortgage banking revenue) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Mortgage Servicing Rights Additions	$ 1,457
Mortgage banking [Member]
Net Realized Gains on Sales of Mortgage Loans	4,800	$ 13,534	$ 9,935	$ 27,958
Net Change in Unrealized Gain on Mortgage Loans Held for Sale	79	532	(895)	(1,499)
Net Change in the Fair Value of Mortgage Loan Commitments (IRLCs)	(183)	(458)	(324)	(2,301)
Net Change in the Fair Value of Forward Sales Contracts	(896)	(1,446)	(38)	817
Pair-Offs on Net Settlement of Forward Sales Contracts	1,954	(476)	4,209	2,835
Mortgage Servicing Rights Additions	1,457	453	2,088	640
Net originination fees	1,854	1,078	3,036	1,892
Total mortgage banking revenues	$ 9,065	$ 13,217	$ 18,011	$ 30,342

MORTGAGE BANKING ACTIVITIES (Su

MORTGAGE BANKING ACTIVITIES (Summary of mortgage servicing rights) (Details) - Residential Mortgage [Member] $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2022 USD ($) Contracts	Dec. 31, 2021 USD ($) Contracts
Servicing Assets at Fair Value [Line Items]
Number of residential mortgage loans serviced for others | Contracts	2,555	2,106
Outstanding principal balance of residential mortgage loans serviced for others | $	$ 703,537	$ 532,967
Weighted average interest rate	3.70%	3.59%
Remaining contractual term (in months)	323 months	317 months

MORTGAGE BANKING ACTIVITIES (Ca

MORTGAGE BANKING ACTIVITIES (Capitalized mortgage servicing rights) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Servicing Asset at Fair Value, Amount [Roll Forward
Beginning Balance	$ 4,001	$ 3,583	$ 3,774	$ 3,452
Additions due to loans sold with servicing retained	1,457	453	2,088	640
Deletions and amortization	(372)	(326)	(776)	(632)
Valuation Provision (temporary impairment)	0	0	0	250
Ending Balance	$ 5,086	$ 3,710	$ 5,086	$ 3,710

MORTGAGE BANKING ACTIVITIES (Ke

MORTGAGE BANKING ACTIVITIES (Key unobservable inputs used in determining the fair value) (Details) - $ / LoanContracts	6 Months Ended	12 Months Ended
	Jun. 30, 2022	Dec. 31, 2021
Maximum [Member]
Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value [Abstract]
Discount rates	11%	15%
Annual prepayment speeds	11.54%	23.79%
Cost of servicing (per loan)	138	73
Minimum [Member]
Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value [Abstract]
Discount rates	9%	11%
Annual prepayment speeds	9.46%	11.98%
Cost of servicing (per loan)	65	60

MORTGAGE BANKING ACTIVITIES (Wa

MORTGAGE BANKING ACTIVITIES (Warehouse Line Borrowings) (Details) - Warehouse Line Borrowings [Member] - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2022	Dec. 31, 2021
Short-term Debt [Line Items]
Line of credit outstanding	$ 34,990	$ 29,000
Master Repurchase Agreement [Member]
Short-term Debt [Line Items]
Line of Credit Facility, Maximum Borrowing Capacity	$ 75,000
Floor rate	3.25%
Line of credit outstanding	$ 12,657
Cash pledge deposit	$ 500
Master Repurchase Agreement [Member] | Maximum [Member]
Short-term Debt [Line Items]
Debt Instrument, Basis Spread on Variable Rate	1%
Master Repurchase Agreement [Member] | Minimum [Member]
Short-term Debt [Line Items]
Debt Instrument, Basis Spread on Variable Rate	1%
Line of credit expiring November 2022
Short-term Debt [Line Items]
Line of Credit Facility, Maximum Borrowing Capacity	$ 75,000
Line of credit outstanding	$ 22,333
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		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021	Dec. 31, 2021
Mortgage Banking Activities [Abstract]
Residential mortgage loans held for sale that were 90 days or more outstanding	$ 0		$ 0
Residential mortgage loans held for sale 30 to 60 days outstanding	$ 200,000		$ 200,000
Percentage of FNMA loan type of total loans serviced	50%		50%
Percentage of GNMA loan type of total loans serviced	7%		7%
Percentage of Private Investor loan type of total loans serviced	43%		43%
Weighted average prepayment speed	10.48%		10.48%		15.85%
Warehouse lines of credit extended to CCHL	$ 50,000,000		$ 50,000,000
Balance of lines of credit receivable from CCHL	13,300,000		13,300,000		$ 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	$ 34,990,000		$ 34,990,000		29,000,000
CCHL Subsidiary [Member]
Servicing Asset at Amortized Cost [Line Items]
Interest in CCHL subsidiary entity	51%		51%
Government National Mortgage Association (GNMA) [Member] | Delinquent or defaulted mortgage loans [Member]
Servicing Asset at Amortized Cost [Line Items]
Servicing Asset at Amortized Cost	$ 400,000		$ 400,000		$ 2,000,000
Payments to Acquire Mortgage Servicing Rights (MSR)	$ 600,000	$ 700,000	$ 1,000,000	$ 2,200,000

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	6 Months Ended	12 Months Ended
	Jun. 30, 2022	Dec. 31, 2021
Derivatives, Fair Value [Line Items]
Notional Amount	$ 30,000	$ 30,000
Fair Value	$ 5,046	$ 2,050
Weighted average rate paid (fixed)	2.50%
Weighted average maturity years	8 years	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 ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021	Dec. 31, 2021
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Collateral liability	$ 5,300,000		$ 5,300,000		$ 2,000,000
Interest rate product [Member]
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Amount of Gain (Loss) Recognized in AOCI	867,000	$ (686,000)	2,237,000	$ 900,000
Amount of Gain (Loss) Reclassified from AOCI to Income	26,000	$ (37,000)	(2,000)	$ (70,000)
Interest Rate Cash Flow Hedge Gain (Loss) to be Reclassified During Next 12 Months, Net	$ 700,000		$ 700,000

LEASES (Narrative) (Details)

LEASES (Narrative) (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2022	Dec. 31, 2021
Lesse lease description [Line Items]
Lessee 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	$ 11,900	$ 11,500
Present Value of Lease liability	$ 12,501	$ 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	$ 19,004
Three Lease Arrangements [Member]
Lesse lease description [Line Items]
Lessee operating lease term of contract	15 years
Total lease payments	$ 9,300
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	43 years

LEASES (Lease expense and other

LEASES (Lease expense and other information related to operating leases) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Lease expenses:
Operating lease expense	$ 391	$ 362	$ 775	$ 706
Short term lease expense	159	170	337	310
Total lease expense	550	532	1,112	1,016
Other information [Abstract]
Operating cash flows from operating leases	435	402	864	786
Right-of-use assets obtained in exchange for new operating lease liabilities	$ 600	$ 440	$ 1,192	$ 515
Weighted-average remaining lease term - operating leases (in years)	24 years 6 months	25 years 1 month 6 days	24 years 6 months	25 years 1 month 6 days
Weighted-average discount rate - operating leases	2.20%	2%	2.20%	2%

LEASES (Maturity of remaining l

LEASES (Maturity of remaining lease liabilities) (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Summary of the maturity of remaining lease liabilities:
2022	$ 1,717
2023	1,715
2024	1,470
2025	1,249
2026	1,122
2027 and thereafter	11,731
Total	19,004
Less: Interest	(6,503)
Present Value of Lease Liabilities	$ 12,501	$ 12,200

EMPLOYEE BENEFIT PLANS (Compone

EMPLOYEE BENEFIT PLANS (Components of the net periodic benefit cost) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Components of Net Periodic Benefit Costs:
Pension Settlement	$ 169	$ 2,000	$ 378	$ 2,000
Defined Benefit Pension Plan [Member]
Components of Net Periodic Benefit Costs:
Service Cost	1,572	1,743	3,145	3,486
Interest Cost	1,166	1,221	2,333	2,442
Expected Return on Plan Assets	(2,675)	(2,787)	(5,351)	(5,574)
Prior Service Cost Amortization	4	4	8	8
Net Loss Amortization	428	1,691	857	3,382
Pension Settlement	169	2,000	378	2,000
Net Periodic Benefit Cost	$ 664	$ 3,872	$ 1,370	$ 5,744
Discount Rate	3.11%	2.88%	3.11%	2.88%
Long-Term Rate of Return on Assets	6.75%	6.75%	6.75%	6.75%
Supplemental Executive Retirement Plan [Member]
Components of Net Periodic Benefit Costs:
Service Cost	$ 8	$ 9	$ 16	$ 18
Interest Cost	79	61	158	120
Prior Service Cost Amortization	69	69	138	88
Net Loss Amortization	180	243	360	441
Net Periodic Benefit Cost	$ 336	$ 382	$ 672	$ 667
Discount Rate	2.80%	2.38%	2.80%	2.38%

COMMITMENTS AND CONTINGENCIES_2

COMMITMENTS AND CONTINGENCIES (Company's off-balance sheet obligations) (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Loss Contingencies [Line Items]
Fixed	$ 221,797	$ 222,736
Variable	515,886	505,897
Total	737,683	728,633
Commitments to Extend Credit [Member]
Loss Contingencies [Line Items]
Fixed	215,601	217,531
Variable	515,886	505,897
Total	731,487	723,428
Standby Letters of Credit [Member]
Loss Contingencies [Line Items]
Fixed	6,196	5,205
Variable	0	0
Total	$ 6,196	$ 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		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Beginning Balance	$ 2,976	$ 2,974	$ 2,897	$ 1,644
Provision for Credit Losses	(123)	(387)	(44)	943
Ending Balance	$ 2,853	$ 2,587	$ 2,853	$ 2,587

COMMITMENTS AND CONTINGENCIES N

COMMITMENTS AND CONTINGENCIES Narratives (Details) - USD ($) $ in Millions	6 Months Ended
	Jun. 30, 2022	Dec. 31, 2021
Loss Contingencies [Line Items]
Loss Contingency Quarterly Accrual Payments until settled	$ 0.2
Swap [Member]
Other Commitments [Line Items]
Derivative liabilities	0.2
BankTech Ventures [Member]
Other Commitments [Line Items]
Other Commitment	1
General Partners' Contributed Capital	$ 0.2	$ 0.1

FAIR VALUE MEASUREMENTS (Summar

FAIR VALUE MEASUREMENTS (Summary of fair values for assets and liabilities) (Details) - Fair Value, Measurements, Recurring [Member] - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Interest Rate Swap Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure	$ 5,046	$ 2,050
Mortgage Banking Hedge Derivative [Member]
LIABILITIES:
Financial Liabilities Fair Value Disclosure		7
Mortgage Banking IRLC Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure	934	1,258
Loans held for sale [Member]
ASSETS:
Assets, Fair Value Disclosure	48,708	52,532
Mortgage Servicing Rights [Member]
ASSETS:
Assets, Fair Value Disclosure	9,336	4,718
U.S. Government Treasury [Member]
ASSETS:
Assets, Fair Value Disclosure	177,895	187,868
U.S. Government Agency [Member]
ASSETS:
Assets, Fair Value Disclosure	210,684	237,578
States and Political Subdivisions [Member]
ASSETS:
Assets, Fair Value Disclosure	42,357	46,980
States and Political Subdivisions [Member] | Mortgage Banking Hedge Derivative [Member]
LIABILITIES:
Financial Liabilities Fair Value Disclosure	45
Mortgage-Backed Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	77,821	88,869
Corporate Debt Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	85,321	86,222
Other Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	7,327	7,094
Level 1 Inputs [Member] | Interest Rate Swap Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Level 1 Inputs [Member] | Mortgage Banking Hedge Derivative [Member]
LIABILITIES:
Financial Liabilities Fair Value Disclosure		0
Level 1 Inputs [Member] | Mortgage Banking IRLC Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Level 1 Inputs [Member] | Loans held for sale [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Level 1 Inputs [Member] | Mortgage Servicing Rights [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Level 1 Inputs [Member] | U.S. Government Treasury [Member]
ASSETS:
Assets, Fair Value Disclosure	177,895	187,868
Level 1 Inputs [Member] | U.S. Government Agency [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Level 1 Inputs [Member] | States and Political Subdivisions [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Level 1 Inputs [Member] | States and Political Subdivisions [Member] | Mortgage Banking Hedge Derivative [Member]
LIABILITIES:
Financial Liabilities Fair Value Disclosure	0
Level 1 Inputs [Member] | Mortgage-Backed Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Level 1 Inputs [Member] | Corporate Debt Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Level 1 Inputs [Member] | Other Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Level 2, Inputs [Member] | Interest Rate Swap Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure	5,046	2,050
Level 2, Inputs [Member] | Mortgage Banking Hedge Derivative [Member]
LIABILITIES:
Financial Liabilities Fair Value Disclosure		7
Level 2, Inputs [Member] | Mortgage Banking IRLC Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Level 2, Inputs [Member] | Loans held for sale [Member]
ASSETS:
Assets, Fair Value Disclosure	48,708	52,532
Level 2, Inputs [Member] | Mortgage Servicing Rights [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Level 2, Inputs [Member] | U.S. Government Treasury [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Level 2, Inputs [Member] | U.S. Government Agency [Member]
ASSETS:
Assets, Fair Value Disclosure	210,684	237,578
Level 2, Inputs [Member] | States and Political Subdivisions [Member]
ASSETS:
Assets, Fair Value Disclosure	42,357	46,980
Level 2, Inputs [Member] | States and Political Subdivisions [Member] | Mortgage Banking Hedge Derivative [Member]
LIABILITIES:
Financial Liabilities Fair Value Disclosure	45
Level 2, Inputs [Member] | Mortgage-Backed Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	77,821	88,869
Level 2, Inputs [Member] | Corporate Debt Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	85,321	86,222
Level 2, Inputs [Member] | Other Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	7,327	7,094
Level 3, Inputs [Member] | Interest Rate Swap Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Level 3, Inputs [Member] | Mortgage Banking Hedge Derivative [Member]
LIABILITIES:
Financial Liabilities Fair Value Disclosure		0
Level 3, Inputs [Member] | Mortgage Banking IRLC Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure	934	1,258
Level 3, Inputs [Member] | Loans held for sale [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Level 3, Inputs [Member] | Mortgage Servicing Rights [Member]
ASSETS:
Assets, Fair Value Disclosure	9,336	4,718
Level 3, Inputs [Member] | U.S. Government Treasury [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Level 3, Inputs [Member] | U.S. Government Agency [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Level 3, Inputs [Member] | States and Political Subdivisions [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Level 3, Inputs [Member] | States and Political Subdivisions [Member] | Mortgage Banking Hedge Derivative [Member]
LIABILITIES:
Financial Liabilities Fair Value Disclosure	0
Level 3, Inputs [Member] | Mortgage-Backed Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Level 3, Inputs [Member] | Corporate Debt Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
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 ($)	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020
ASSETS:
Investment Securities, Available for Sale	$ 601,405,000		$ 654,611,000
Investment securities, held to maturity, fair value	498,963,000		339,699,000
Equity Securities	900,000		861,000
Loans Held for Sale	48,708,000		52,532,000
Mortgage Servicing Rights	5,086,000	$ 4,001,000	3,774,000	$ 3,710,000	$ 3,583,000	$ 3,452,000
Loans, Net of Allowance for Credit Losses	2,192,372,000		1,909,859,000
Fair value inputs, Level 1 [Member]
ASSETS:
Cash	91,209,000		65,313,000
Short-Term Investments	603,315,000		970,041,000
Investment Securities, Available for Sale	177,895,000		187,868,000
Investment Securities, Held to Maturity	289,708,000		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]
LIABILITIES:
Mortgage Banking Derivative Liability	0		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	423,510,000		466,743,000
Investment Securities, Held to Maturity	209,255,000		225,822,000
Equity Securities	900,000		861,000
Loans Held for Sale	48,708,000		52,532,000
Other Equity Securities	2,848,000		2,848,000
Interest Rate Swap Derivative	5,046,000		2,050,000
Mortgage Servicing Rights	0		0
Loans, Net of Allowance for Credit Losses	0		0
LIABILITIES:
Deposits	3,335,175,000		3,713,478,000
Short-Term Borrowings	39,462,000		34,557,000
Subordinated Notes Payable	46,121,000		42,609,000
Long-Term Borrowings	627,000		938,000
Fair Value, Inputs, Level 2 [Member] | Mortgage Banking Hedge Derivative [Member]
LIABILITIES:
Mortgage Banking Derivative Liability	45,000		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	9,336,000		4,718,000
Loans, Net of Allowance for Credit Losses	2,127,117,000		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]
LIABILITIES:
Mortgage Banking Derivative Liability	0		0
Fair Value, Inputs, Level 3 [Member] | Mortgage Banking IRLC Derivative [Member]
ASSETS:
Derivative Assets	934,000		1,258,000
Carrying (Reported) Amount, Fair Value Disclosure [Member]
ASSETS:
Cash	91,209,000		65,313,000
Short-Term Investments	603,315,000		970,041,000
Investment Securities, Available for Sale	601,405,000		654,611,000
Investment Securities, Held to Maturity	528,258,000		339,601,000
Equity Securities	900,000		861,000
Loans Held for Sale	48,708,000		52,532,000
Other Equity Securities	2,848,000		2,848,000
Interest Rate Swap Derivative	5,046,000		2,050,000
Mortgage Servicing Rights	5,086,000		3,774,000
Loans, Net of Allowance for Credit Losses	2,192,372,000		1,909,859,000
LIABILITIES:
Deposits	3,786,258,000		3,712,862,000
Short-Term Borrowings	39,463,000		34,557,000
Subordinated Notes Payable	52,887,000		52,887,000
Long-Term Borrowings	612,000		884,000
Carrying (Reported) Amount, Fair Value Disclosure [Member] | Mortgage Banking Hedge Derivative [Member]
LIABILITIES:
Mortgage Banking Derivative Liability	45,000		7,000
Carrying (Reported) Amount, Fair Value Disclosure [Member] | Mortgage Banking IRLC Derivative [Member]
ASSETS:
Derivative Assets	$ 934,000		$ 1,258,000

FAIR VALUE MEASUREMENTS (Narrat

FAIR VALUE MEASUREMENTS (Narratives) (Details) - USD ($)	6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Dec. 31, 2021
Fair Value measurements [Abstract]
Level 3 issuances	$ 7,700,000	$ 27,400,000
Level 3 transfers	16,800,000	$ 19,300,000
Valuation allowance	100,000		$ 200,000
valuation allowance for loan servicing rights	0
Asset Pledged as Collateral [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Financing Receivable	1,300,000		2,800,000
Fair Value Swap [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Notional Amount	$ 200,000		$ 100,000

ACCUMULATED OTHER COMPREHENSI_3

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (Accumulated Other Comprehensive Income) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Activity in accumulated other comprehensive loss, net of tax
Balance, Beginning			$ (16,214)	$ (44,142)
Other comprehensive (loss) income during the period	$ (7,022)	$ 448	(24,551)	719
Balance, Ending	(40,765)	(43,423)	(40,765)	(43,423)
Interest Rate Swap [Member]
Activity in accumulated other comprehensive loss, net of tax
Balance, Beginning			1,530	428
Other comprehensive (loss) income during the period			2,237	900
Balance, Ending	3,767	1,328	3,767	1,328
Securities Available for Sale [Member]
Activity in accumulated other comprehensive loss, net of tax
Balance, Beginning			(4,588)	2,700
Other comprehensive (loss) income during the period			(27,071)	(1,816)
Balance, Ending	(31,659)	884	(31,659)	884
Retirement Plans [Member]
Activity in accumulated other comprehensive loss, net of tax
Balance, Beginning			(13,156)	(47,270)
Other comprehensive (loss) income during the period			283	1,635
Balance, Ending	$ (12,873)	$ (45,635)	$ (12,873)	$ (45,635)

SUBSEQUENT EVENTS (Narrative) (

SUBSEQUENT EVENTS (Narrative) (Details) $ in Thousands	Aug. 01, 2022 USD ($) Investment_Positions	Jun. 30, 2022 USD ($)	Dec. 31, 2021 USD ($)
Subsequent Event [Line Items]
Amortized cost		$ 643,679	$ 660,732
Fair Value		601,405	654,611
Unrealized Losses		$ 42,596	$ 7,460
Subsequent Event [Member]
Subsequent Event [Line Items]
Investment securities | Investment_Positions	33
Amortized cost	$ 168,400
Fair Value	159,000
Unrealized Losses	$ 9,400