Premier Financial Bancorp (PFBI) 10-Q 10 May 18 2018 Q1 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	3 Months Ended
	Mar. 31, 2018	Apr. 28, 2018
Document and Entity Information [Abstract]
Entity Registrant Name	PREMIER FINANCIAL BANCORP INC
Entity Central Index Key	887,919
Current Fiscal Year End Date	--12-31
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Filer Category	Accelerated Filer
Entity Common Stock, Shares Outstanding		10,683,528
Document Fiscal Year Focus	2,018
Document Fiscal Period Focus	Q1
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Mar. 31, 2018

CONSOLIDATED BALANCE SHEETS (UN

CONSOLIDATED BALANCE SHEETS (UNAUDITED) - USD ($) $ in Thousands	Mar. 31, 2018	Dec. 31, 2017
ASSETS
Cash and due from banks	$ 19,845	$ 40,814
Interest bearing bank balances	104,968	37,191
Federal funds sold	15,348	4,658
Cash and cash equivalents	140,161	82,663
Time deposits with other banks	2,582	2,582
Securities available for sale	281,088	278,466
Loans	1,028,758	1,049,052
Allowance for loan losses	(12,840)	(12,104)
Net loans	1,015,918	1,036,948
Federal Home Loan Bank stock, at cost	3,185	3,185
Premises and equipment, net	23,728	23,815
Real estate acquired through foreclosure	14,185	19,966
Interest receivable	3,701	4,043
Goodwill	35,371	35,371
Other intangible assets	3,180	3,375
Other assets	2,684	3,010
Total assets	1,525,783	1,493,424
Deposits
Non-interest bearing	353,008	332,588
Time deposits, $250,000 and over	62,773	63,905
Other interest bearing	887,414	876,182
Total deposits	1,303,195	1,272,675
Securities sold under agreements to repurchase	20,793	23,310
Other borrowed funds	4,250	5,000
Subordinated debt	5,383	5,376
Interest payable	407	393
Other liabilities	7,879	3,315
Total liabilities	1,341,907	1,310,069
Stockholders' equity
Common stock, no par value; 20,000,000 shares authorized; 10,677,528 shares issued and outstanding at March 31, 2018, and 10,676,428 shares issued and outstanding at December 31, 2017	110,485	110,445
Retained earnings	78,515	74,983
Accumulated other comprehensive income (loss)	(5,124)	(2,073)
Total stockholders' equity	183,876	183,355
Total liabilities and stockholders' equity	$ 1,525,783	$ 1,493,424

CONSOLIDATED BALANCE SHEETS (U3

CONSOLIDATED BALANCE SHEETS (UNAUDITED) (Parenthetical) - $ / shares	Mar. 31, 2018	Dec. 31, 2017
Stockholders' equity
Common stock, par value (in dollars per share)	$ 0	$ 0
Common stock, shares authorized (in shares)	20,000,000	20,000,000
Common stock, shares issued (in shares)	10,677,528	10,676,428
Common stock, shares outstanding (in shares)	10,677,528	10,676,428

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2018	Mar. 31, 2017
Interest income
Loans, including fees	$ 14,034	$ 13,535
Securities available for sale
Taxable	1,408	1,345
Tax-exempt	59	72
Federal funds sold and other	298	157
Total interest income	15,799	15,109
Interest expense
Deposits	1,031	949
Repurchase agreements and other	8	7
Other borrowings	47	87
Subordinated debt	78	70
Total interest expense	1,164	1,113
Net interest income	14,635	13,996
Provision for loan losses	1,115	366
Net interest income after provision for loan losses	13,520	13,630
Non-interest income
Total non-interest income	2,066	2,017
Non-interest expenses
Salaries and employee benefits	4,778	4,970
Occupancy and equipment expenses	1,610	1,521
Outside data processing	1,249	1,320
Professional fees	336	248
Taxes, other than payroll, property and income	240	189
Write-downs, expenses, sales of other real estate owned, net	(886)	240
Amortization of intangibles	195	265
FDIC insurance	148	193
Loan collection expense	360	99
Other expenses	959	953
Total non-interest expenses	8,989	9,998
Income before income taxes	6,597	5,649
Provision for income taxes	1,464	1,985
Net income	$ 5,133	$ 3,664
Net income per share:
Basic (in dollars per share)	$ 0.48	$ 0.34
Diluted (in dollars per share)	$ 0.48	$ 0.34
Service Charges on Deposit Accounts [Member]
Non-interest income
Total non-interest income	$ 1,094	$ 976
Electronic Banking Income [Member]
Non-interest income
Total non-interest income	817	780
Secondary Market Mortgage Income [Member]
Non-interest income
Total non-interest income	32	67
Other [Member]
Non-interest income
Total non-interest income	$ 123	$ 194

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2018	Mar. 31, 2017
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) (UNAUDITED) [Abstract]
Net income	$ 5,133	$ 3,664
Other comprehensive income (loss):
Unrealized gains (losses) arising during the period	(3,862)	2,276
Reclassification of realized amount	0	0
Net change in unrealized gain (loss) on securities	(3,862)	2,276
Less tax impact	811	(798)
Other comprehensive income (loss)	(3,051)	1,478
Comprehensive income	$ 2,082	$ 5,142

CONSOLIDATED STATEMENT OF CHANG

CONSOLIDATED STATEMENT OF CHANGES IN STOCKHOLDERS' EQUITY (UNAUDITED) - 3 months ended Mar. 31, 2018 - USD ($) $ in Thousands	Common Stock [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Total
Balances at Dec. 31, 2017	$ 110,445	$ 74,983	$ (2,073)	$ 183,355
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	0	5,133	0	5,133
Other comprehensive income	0	0	(3,051)	(3,051)
Cash dividends paid ($0.15 per share)	0	(1,601)	0	(1,601)
Stock options exercised	13	0	0	13
Stock based compensation expense	27	0	0	27
Balances at Mar. 31, 2018	$ 110,485	$ 78,515	$ (5,124)	$ 183,876

CONSOLIDATED STATEMENT OF CHAN7

CONSOLIDATED STATEMENT OF CHANGES IN STOCKHOLDERS' EQUITY (UNAUDITED) (Parenthetical)	3 Months Ended
	Mar. 31, 2018$ / shares
CONSOLIDATED STATEMENT OF CHANGES IN STOCKHOLDERS' EQUITY (UNAUDITED) [Abstract]
Cash dividends paid (in dollars per share)	$ 0.15

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2018	Mar. 31, 2017
Cash flows from operating activities
Net income	$ 5,133	$ 3,664
Adjustments to reconcile net income to net cash from operating activities
Depreciation	433	445
Provision for loan losses	1,115	366
Amortization (accretion), net	386	388
Writedowns (gains on the sale) of other real estate owned, net	(1,080)	19
Stock compensation expense	27	20
Changes in:
Interest receivable	342	24
Other assets	1,137	849
Interest payable	14	(12)
Other liabilities	(495)	4
Net cash from operating activities	7,012	5,767
Cash flows from investing activities
Net change on time deposits with other banks	0	(250)
Purchases of securities available for sale	(15,527)	(31,087)
Proceeds from maturities and calls of securities available for sale	13,717	15,573
Net change in loans	19,838	(14,936)
Purchases of premises and equipment, net	(346)	(76)
Proceeds from sales of other real estate acquired through foreclosure	7,145	544
Net cash from (used in) investing activities	24,827	(30,232)
Cash flows from financing activities
Net change in deposits	30,514	18,917
Net change in agreements to repurchase securities	(2,517)	(956)
Repayment of other borrowed funds	(750)	(608)
Proceeds from stock option exercises	13	101
Common stock dividends paid	(1,601)	(1,597)
Net cash from financing activities	25,659	15,857
Net change in cash and cash equivalents	57,498	(8,608)
Cash and cash equivalents at beginning of period	82,663	104,718
Cash and cash equivalents at end of period	140,161	96,110
Supplemental disclosures of cash flow information:
Cash paid during period for interest	1,150	1,125
Loans transferred to real estate acquired through foreclosure	284	353
Securities purchased not yet settled	$ 5,059	$ 0

BASIS OF PRESENTATION

BASIS OF PRESENTATION	3 Months Ended
	Mar. 31, 2018
BASIS OF PRESENTATION [Abstract]
BASIS OF PRESENTATION	NOTE 1 - BASIS OF PRESENTATION The consolidated financial statements include the accounts of Premier Financial Bancorp, Inc. (the Company) and its wholly owned subsidiaries (the "Banks"): March 31, 2018 Year Total Net Income Subsidiary Location Acquired Assets Qtr Citizens Deposit Bank & Trust Vanceburg, Kentucky 1991 $ 427,514 $ 1,290 Premier Bank, Inc. Huntington, West Virginia 1998 1,091,144 4,486 Parent and Intercompany Eliminations 7,125 (643 ) Consolidated Total $ 1,525,783 $ 5,133 All significant intercompany transactions and balances have been eliminated. During the first quarter of 2018, management updated its policies regarding estimation of probable incurred losses. The updates included incorporating a common estimated loss ratio for all pass credits within a given loan classification, adding an additional qualitative factor for document exceptions on collectively impaired loans, and reallocating the qualitative portion of the allowance to align more closely to the inputs used to determine the qualitative portion. The previous methodology allocated a higher loss ratio to loans graded "Watch" to estimate a higher credit risk on these loans due to risk downgrades resulting from document exceptions. Loans graded "Watch" are considered pass credits. These changes did not have a material impact on the overall allowance for loan losses or the provision for loan losses in the first three months of 2018. Recently Issued Accounting Pronouncements In May 2014, FASB issued Accounting Standards Update 2014-09, Revenue from Contracts with Customers (Topic 606) Service charges on deposit accounts – Debit card interchange fees - Non-customer ATM fees – Gain on sale of OREO – In January 2016, the FASB issued ASU No. 2016-01, Financial Instruments—Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities In February 2016, the FASB issued ASU No. 2016-02, Leases (Topic 842) In June 2016, the FASB issued ASU No. 2016-13, Financial Instruments—Credit Losses: Measurement of Credit Losses on Financial Instruments In February 2018, the FASB issued ASU No. 2018-02, Reclassification of Certain Tax Effects from Accumulated Other Comprehensive Income

SECURITIES

SECURITIES	3 Months Ended
	Mar. 31, 2018
SECURITIES [Abstract]
SECURITIES	NOTE 2 –SECURITIES Amortized cost and fair value of investment securities, by category, at March 31, 2018 are summarized as follows: 2018 Amortized Cost Unrealized Gains Unrealized Losses Fair Value Available for sale Mortgage-backed securities U. S. sponsored agency MBS - residential $ 205,671 $ 67 $ (5,414 ) $ 200,324 U. S. sponsored agency CMO's - residential 52,720 87 (969 ) 51,838 Total mortgage-backed securities of government sponsored agencies 258,391 154 (6,383 ) 252,162 U. S. government sponsored agency securities 17,780 - (229 ) 17,551 Obligations of states and political subdivisions 11,403 37 (65 ) 11,375 Total available for sale $ 287,574 $ 191 $ (6,677 ) $ 281,088 Amortized cost and fair value of investment securities, by category, at December 31, 2017 are summarized as follows: 2017 Amortized Cost Unrealized Gains Unrealized Losses Fair Value Available for sale Mortgage-backed securities U. S. sponsored agency MBS - residential $ 198,631 $ 175 $ (2,216 ) $ 196,590 U. S. sponsored agency CMO's - residential 51,548 241 (681 ) 51,108 Total mortgage-backed securities of government sponsored agencies 250,179 416 (2,897 ) 247,698 U. S. government sponsored agency securities 19,312 1 (179 ) 19,134 Obligations of states and political subdivisions 11,599 61 (26 ) 11,634 Total available for sale $ 281,090 $ 478 $ (3,102 ) $ 278,466 The amortized cost and fair value of securities at March 31, 2018 by contractual maturity are shown below. Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. Amortized Cost Fair Value Available for sale Due in one year or less $ 9,558 $ 9,536 Due after one year through five years 13,954 13,798 Due after five years through ten years 5,340 5,261 Due after ten years 331 331 Mortgage-backed securities of government sponsored agencies 258,391 252,162 Total available for sale $ 287,574 $ 281,088 There were no sales of securities during the first three months of 2018 and 2017. Securities with unrealized losses at March 31, 2018 aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position are as follows: Less than 12 Months 12 Months or More Total Description of Securities Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss U.S government sponsored agency securities $ 7,264 $ (42 ) $ 10,287 $ (187 ) $ 17,551 $ (229 ) U.S government sponsored agency MBS – residential 147,730 (3,461 ) 45,086 (1,953 ) 192,816 (5,414 ) U.S government sponsored agency CMO's – residential 17,519 (184 ) 16,720 (785 ) 34,239 (969 ) Obligations of states and political subdivisions 4,547 (55 ) 471 (10 ) 5,018 (65 ) Total temporarily impaired $ 177,060 $ (3,742 ) $ 72,564 $ (2,935 ) $ 249,624 $ (6,677 ) Securities with unrealized losses at December 31, 2017 aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position are as follows: Less than 12 Months 12 Months or More Total Description of Securities Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss U.S government sponsored agency securities $ 6,780 $ (41 ) $ 10,335 $ (138 ) $ 17,115 $ (179 ) U.S government sponsored agency MBS – residential 134,211 (1,076 ) 47,682 (1,140 ) 181,893 (2,216 ) U.S government sponsored agency CMO's – residential 8,306 (64 ) 17,868 (617 ) 26,174 (681 ) Obligations of states and political subdivisions 3,512 (20 ) 474 (6 ) 3,986 (26 ) Total temporarily impaired $ 152,809 $ (1,201 ) $ 76,359 $ (1,901 ) $ 229,168 $ (3,102 ) The investment portfolio is predominately high credit quality interest-bearing bonds with defined maturity dates backed by the U.S. Government or Government sponsored entities. The unrealized losses at March 31, 2018 and December 31, 2017 are price changes resulting from changes in the interest rate environment and are considered to be temporary declines in the value of the securities. Management does not intend to sell and it is likely that management will not be required to sell the securities prior to their anticipated recovery. Their fair value is expected to recover as the bonds approach their maturity date and/or market conditions improve.

LOANS

LOANS	3 Months Ended
	Mar. 31, 2018
LOANS [Abstract]
LOANS	NOTE 3 - LOANS Major classifications of loans at March 31, 2018 and December 31, 2017 are summarized as follows: 2018 2017 Residential real estate $ 342,258 $ 338,829 Multifamily real estate 62,500 62,151 Commercial real estate: Owner occupied 137,215 136,048 Non-owner occupied 217,603 230,702 Commercial and industrial 76,659 78,259 Consumer 27,924 28,293 Construction and land 129,083 139,012 All other 35,516 35,758 $ 1,028,758 $ 1,049,052 Activity in the allowance for loan losses by portfolio segment for the three months ended March 31, 2018 was as follows: Loan Class Balance Dec 31, 2017 Provision (credit) for loan losses Loans charged-off Recoveries Balance March 31, 2018 Residential real estate $ 2,986 $ (691 ) $ (49 ) $ 16 $ 2,262 Multifamily real estate 978 (320 ) (11 ) - 647 Commercial real estate: Owner occupied 1,653 164 (2 ) 1 1,816 Non-owner occupied 2,313 (110 ) (16 ) - 2,187 Commercial and industrial 1,101 813 (267 ) 4 1,651 Consumer 328 49 (33 ) 25 369 Construction and land 2,408 913 (19 ) - 3,302 All other 337 297 (67 ) 39 606 Total $ 12,104 $ 1,115 $ (464 ) $ 85 $ 12,840 Activity in the allowance for loan losses by portfolio segment for the three months ended March 31, 2017 was as follows: Loan Class Balance Dec 31, 2016 Provision (credit) for loan losses Loans charged-off Recoveries Balance March 31, 2017 Residential real estate $ 2,948 $ 129 $ (105 ) $ 5 $ 2,977 Multifamily real estate 785 (15 ) - - 770 Commercial real estate: Owner occupied 1,543 32 - 1 1,576 Non-owner occupied 2,350 77 (5 ) - 2,422 Commercial and industrial 1,140 (34 ) - 23 1,129 Consumer 347 116 (117 ) 24 370 Construction and land 1,397 34 (123 ) 10 1,318 All other 326 27 (59 ) 38 332 Total $ 10,836 $ 366 $ (409 ) $ 101 $ 10,894 Purchased Impaired Loans The Company holds purchased loans for which there was, at their acquisition date, evidence of deterioration of credit quality since their origination and it was probable, at acquisition, that all contractually required payments would not be collected. The carrying amount of those loans is as follows at March 31, 2018 and December 31, 2017. 2018 2017 Residential real estate $ 1,292 $ 1,321 Commercial real estate Owner occupied 1,459 1,508 Commercial and industrial 9 211 Construction and land 1,426 1,450 All other 292 286 Total carrying amount $ 4,478 $ 4,776 Contractual principal balance $ 6,234 $ 6,728 Carrying amount, net of allowance $ 4,478 $ 4,676 For those purchased loans disclosed above, the Company did not increase the allowance for loan losses during the three-months ended March 31, 2018 and March 31, 2017. For those purchased loans disclosed above, where the Company can reasonably estimate the cash flows expected to be collected on the loans, a portion of the purchase discount is allocated to an accretable yield adjustment based upon the present value of the future estimated cash flows versus the current carrying value of the loan and the accretable yield portion is being recognized as interest income over the remaining life of the loan. Where the Company cannot reasonably estimate the cash flows expected to be collected on the loans, it has continued to account for those loans using the cost recovery method of income recognition. As such, no portion of a purchase discount adjustment has been determined to meet the definition of an accretable yield adjustment on those loans accounted for using the cost recovery method. If, in the future, cash flows from the borrower(s) can be reasonably estimated, a portion of the purchase discount would be allocated to an accretable yield adjustment based upon the present value of the future estimated cash flows versus the current carrying value of the loan and the accretable yield portion would be recognized as interest income over the remaining life of the loan. Until such accretable yield can be calculated, under the cost recovery method of income recognition, all payments will be used to reduce the carrying value of the loan and no income will be recognized on the loan until the carrying value is reduced to zero. Any loan accounted for under the cost recovery method is also still included as a non-accrual loan in the amounts presented in the tables below. The accretable yield, or income expected to be collected, on the purchased loans above is as follows at March 31, 2018 and March 31, 2017. 2018 2017 Balance at January 1 $ 754 $ 1,208 New loans purchased - - Accretion of income (69 ) (123 ) Loans placed on non-accrual (41 ) - Reclassifications from non-accretable difference - - Disposals - - Balance at March 31 $ 644 $ 1,085 Past Due and Non-performing Loans The following tables present the recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans as of March 31, 2018 and December 31, 2017. The recorded investment in non-accrual loans is less than the principal owed on non-accrual loans due to discounts applied to the carrying value of the loan at time of their acquisition and interest payments made by the borrower which have been used to reduce the recorded investment in the loan rather than recognized as interest income. March 31, 2018 Principal Owed on Non-accrual Loans Recorded Investment in Non-accrual Loans Loans Past Due Over 90 Days, still accruing Residential real estate $ 3,638 $ 2,981 $ 285 Multifamily real estate 2,074 2,061 366 Commercial real estate Owner occupied 2,732 2,579 - Non-owner occupied 1,685 1,643 - Commercial and industrial 1,544 930 2 Consumer 251 223 - Construction and land 4,805 4,712 25 All other 185 185 - Total $ 16,914 $ 15,314 $ 678 December 31, 2017 Principal Owed on Non-accrual Loans Recorded Investment in Non-accrual Loans Loans Past Due Over 90 Days, still accruing Residential real estate $ 2,944 $ 2,422 $ 869 Multifamily real estate 2,128 2,128 334 Commercial real estate Owner occupied 2,623 2,483 134 Non-owner occupied 1,862 1,755 85 Commercial and industrial 1,313 544 1,139 Consumer 268 241 - Construction and land 5,824 5,673 830 Total $ 16,962 $ 15,246 $ 3,391 Nonaccrual loans and impaired loans are defined differently. Some loans may be included in both categories, and some may only be included in one category. Nonaccrual loans include both smaller balance homogeneous loans that are collectively evaluated for impairment and individually classified impaired loans. The following table presents the aging of the recorded investment in past due loans as of March 31, 2018 by class of loans: Loan Class Total Loans 30-89 Days Past Due Greater than 90 days past due Total Past Due Loans Not Past Due Residential real estate $ 342,258 $ 4,919 $ 1,657 $ 6,576 $ 335,682 Multifamily real estate 62,500 2,061 366 2,427 60,073 Commercial real estate: Owner occupied 137,215 83 1,778 1,861 135,354 Non-owner occupied 217,603 78 - 78 217,525 Commercial and industrial 76,659 1,583 865 2,448 74,211 Consumer 27,924 234 79 313 27,611 Construction and land 129,083 634 812 1,446 127,637 All other 35,516 6 185 191 35,325 Total $ 1,028,758 $ 9,598 $ 5,742 $ 15,340 $ 1,013,418 The following table presents the aging of the recorded investment in past due loans as of December 31, 2017 by class of loans: Loan Class Total Loans 30-89 Days Past Due Greater than 90 days past due Total Past Due Loans Not Past Due Residential real estate $ 338,829 $ 5,242 $ 1,835 $ 7,077 $ 331,752 Multifamily real estate 62,151 - 334 334 61,817 Commercial real estate: Owner occupied 136,048 311 1,784 2,095 133,953 Non-owner occupied 230,702 12 225 237 230,465 Commercial and industrial 78,259 123 1,611 1,734 76,525 Consumer 28,293 492 87 579 27,714 Construction and land 139,012 144 2,508 2,652 136,360 All other 35,758 - - - 35,758 Total $ 1,049,052 $ 6,324 $ 8,384 $ 14,708 $ 1,034,344 The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of March 31, 2018: Allowance for Loan Losses Loan Balances Loan Class Individually Evaluated for Impairment Collectively Evaluated for Impairment Acquired with Deteriorated Credit Quality Total Individually Evaluated for Impairment Collectively Evaluated for Impairment Acquired with Deteriorated Credit Quality Total Residential real estate $ - $ 2,262 $ - $ 2,262 $ 299 $ 340,667 $ 1,292 $ 342,258 Multifamily real estate 151 496 - 647 2,427 60,073 - 62,500 Commercial real estate: Owner occupied 407 1,409 - 1,816 3,255 132,501 1,459 137,215 Non-owner occupied 86 2,101 - 2,187 9,463 208,140 - 217,603 Commercial and industrial 282 1,369 - 1,651 1,393 75,257 9 76,659 Consumer - 369 - 369 - 27,924 - 27,924 Construction and land 1,084 2,218 3,302 3,925 123,732 1,426 129,083 All other - 606 - 606 288 34,936 292 35,516 Total $ 2,010 $ 10,830 $ - $ 12,840 $ 21,050 $ 1,003,230 $ 4,478 $ 1,028,758 The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of December 31, 2017: Allowance for Loan Losses Loan Balances Loan Class Individually Evaluated for Impairment Collectively Evaluated for Impairment Acquired with Deteriorated Credit Quality Total Individually Evaluated for Impairment Collectively Evaluated for Impairment Acquired with Deteriorated Credit Quality Total Residential real estate $ - $ 2,986 $ - $ 2,986 $ 308 $ 337,200 $ 1,321 $ 338,829 Multifamily real estate 218 760 - 978 2,462 59,689 - 62,151 Commercial real estate: Owner occupied 307 1,346 - 1,653 3,314 131,226 1,508 136,048 Non-owner occupied 88 2,225 - 2,313 11,578 219,124 - 230,702 Commercial and industrial 104 897 100 1,101 1,304 76,744 211 78,259 Consumer - 328 - 328 - 28,293 - 28,293 Construction and land 685 1,723 - 2,408 5,672 131,890 1,450 139,012 All other - 337 - 337 293 35,179 286 35,758 Total $ 1,402 $ 10,602 $ 100 $ 12,104 $ 24,931 $ 1,019,345 $ 4,776 $ 1,049,052 In the tables below, total individually evaluated impaired loans include certain purchased loans that were acquired with deteriorated credit quality that are still individually evaluated for impairment. The following table presents loans individually evaluated for impairment by class of loans as of March 31, 2018. The table does not include any loans acquired with deteriorated credit quality. Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated With no related allowance recorded: Residential real estate $ 435 $ 299 $ - Multifamily real estate 366 366 - Commercial real estate Owner occupied 2,381 2,379 - Non-owner occupied 7,445 7,408 - Commercial and industrial 1,654 1,099 - All other 288 288 - 12,569 11,839 - With an allowance recorded: Multifamily real estate 2,073 2,061 151 Commercial real estate Owner occupied 895 876 407 Non-owner occupied 2,055 2,055 86 Commercial and industrial 306 294 282 Construction and land 4,016 3,925 1,084 9,345 9,211 2,010 Total $ 21,914 $ 21,050 $ 2,010 The following table presents loans individually evaluated for impairment by class of loans as of December 31, 2017. The table includes $199,000 of loans acquired with deteriorated credit quality for which the Company cannot reasonably estimate cash flows such that they are accounted for on the cost recovery method and are still individually evaluated for impairment. Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated With no related allowance recorded: Residential real estate $ 446 $ 308 $ - Multifamily real estate 334 334 - Commercial real estate Owner occupied 2,451 2,439 - Non-owner occupied 9,602 9,506 - Commercial and industrial 1,719 1,188 - Construction and land 1,798 1,678 - All other 293 293 - 16,643 15,746 - With an allowance recorded: Multifamily real estate $ 2,128 $ 2,128 $ 218 Commercial real estate Owner occupied 895 875 307 Non-owner occupied 2,072 2,072 88 Commercial and industrial 466 315 204 Construction and land 4,024 3,994 685 9,585 9,384 1,502 Total $ 26,228 $ 25,130 $ 1,502 The following table presents the average balance of loans individually evaluated for impairment and interest income recognized on these loans for the three months ended March 31, 2018 and March 31, 2017. The table includes loans acquired with deteriorated credit quality that are still individually evaluated for impairment. Three months ended March 31, 2018 Three months ended March 31, 2017 Loan Class Average Recorded Investment Interest Income Recognized Cash Basis Interest Recognized Average Recorded Investment Interest Income Recognized Cash Basis Interest Recognized Residential real estate $ 303 $ - $ - $ 356 $ 1 $ 1 Multifamily real estate 2,444 9 - 13,620 65 61 Commercial real estate: Owner occupied 3,284 25 25 2,770 6 6 Non-owner occupied 10,521 136 136 2,161 32 32 Commercial and industrial 1,448 8 8 1,558 7 7 Construction and land 4,799 - - 9,789 54 54 All other 291 4 4 309 - - Total $ 23,090 $ 182 $ 173 $ 30,563 $ 165 $ 161 Troubled Debt Restructurings A loan is classified as a troubled debt restructuring ("TDR") when loan terms are modified due to a borrower's financial difficulties and a concession is granted to a borrower that would not have otherwise been considered. Most of the Company's loan modifications involve a restructuring of loan terms prior to maturity to temporarily reduce the payment amount and/or to require only interest for a temporary period, usually up to six months. These modifications generally do not meet the definition of a TDR because the modifications are considered to be an insignificant delay in payment. The determination of an insignificant delay in payment is evaluated based on the facts and circumstances of the individual borrower(s). The following table presents TDR's as of March 31, 2018 and December 31, 2017: March 31, 2018 TDR's on Non-accrual Other TDR's Total TDR's Residential real estate $ 385 $ 103 $ 488 Multifamily real estate 2,061 - 2,061 Commercial real estate Owner occupied 601 1,778 2,379 Non-owner occupied - 7,861 7,861 Commercial and industrial 50 486 536 Construction and land 3,925 - 3,925 All other - 288 288 Total $ 7,022 $ 10,516 $ 17,538 December 31, 2017 TDR's on Non-accrual Other TDR's Total TDR's Residential real estate $ 393 $ 107 $ 500 Multifamily real estate 2,128 - 2,128 Commercial real estate Owner occupied 601 1,783 2,384 Non-owner occupied - 9,904 9,904 Commercial and industrial 56 497 553 Construction and land 3,994 - 3,994 All other - 293 293 Total $ 7,172 $ 12,584 $ 19,756 At March 31, 2018, $1,408,000 in specific reserves was allocated to loans that had restructured terms resulting in a provision for loan losses $379,000 for the three months ended March 31, 2018, compared to no provision for loan losses on restructured loans during the three months ended March 31, 2017. At December 31, 2017, $1,029,000 in specific reserves was allocated to loans that had restructured terms. There were no commitments to lend additional amounts to these borrowers. There were no TDR's that occurred during the three months ended March 31, 2018 and March 31, 2017. During the three months ended March 31, 2018 and the three months ended March 31, 2017, there were no TDR's for which there as a payment default within twelve months following the modification. A loan is considered to be in payment default once it is 90 days contractually past due under the modified terms. Credit Quality Indicators: The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. The Company analyzes non-homogeneous loans, such as commercial, commercial real estate, multifamily residential and commercial purpose loans secured by residential real estate, on a monthly basis. For consumer loans, including consumer loans secured by residential real estate, and smaller balance non-homogeneous loans, the analysis involves monitoring the performing status of the loan. At the time such loans become past due by 90 days or more, the Company evaluates the loan to determine if a change in risk category is warranted. The Company uses the following definitions for risk ratings: Special Mention. Loans classified as special mention have a potential weakness that deserves management's close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of the institution's credit position at some future date. Substandard. Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected. Doubtful. Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. Loans not meeting the criteria above that are analyzed individually as part of the above described process are considered to be pass rated loans. As of March 31, 2018, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows: Loan Class Pass Special Mention Substandard Doubtful Total Loans Residential real estate $ 331,733 $ 1,043 $ 9,481 $ 1 $ 342,258 Multifamily real estate 56,527 3,546 2,427 - 62,500 Commercial real estate: Owner occupied 125,500 5,121 6,594 - 137,215 Non-owner occupied 205,528 1,943 10,132 - 217,603 Commercial and industrial 68,237 4,598 3,824 - 76,659 Consumer 27,563 - 361 - 27,924 Construction and land 117,514 5,310 6,259 - 129,083 All other 34,170 872 474 - 35,516 Total $ 966,772 $ 22,433 $ 39,552 $ 1 $ 1,028,758 As of December 31, 2017, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows: Loan Class Pass Special Mention Substandard Doubtful Total Loans Residential real estate $ 327,185 $ 667 $ 10,976 $ 1 $ 338,829 Multifamily real estate 55,084 4,605 2,462 - 62,151 Commercial real estate: Owner occupied 124,244 4,937 6,867 - 136,048 Non-owner occupied 216,079 2,428 12,195 - 230,702 Commercial and industrial 70,078 5,851 2,330 - 78,259 Consumer 27,889 - 404 - 28,293 Construction and land 126,323 5,460 7,229 139,012 All other 34,468 795 495 - 35,758 Total $ 981,350 $ 24,743 $ 42,958 $ 1 $ 1,049,052

STOCKHOLDERS' EQUITY AND REGULA

STOCKHOLDERS' EQUITY AND REGULATORY MATTERS	3 Months Ended
	Mar. 31, 2018
STOCKHOLDERS' EQUITY AND REGULATORY MATTERS [Abstract]
STOCKHOLDERS' EQUITY AND REGULATORY MATTERS	NOTE 4- STOCKHOLDERS' EQUITY AND REGULATORY MATTERS The Company's principal source of funds for dividend payments to shareholders is dividends received from the subsidiary Banks. Banking regulations limit the amount of dividends that may be paid without prior approval of regulatory agencies. Under these regulations, the amount of dividends that may be paid in any calendar year is limited to the current year's net profits, as defined, combined with the retained net profits of the preceding two years, subject to the capital requirements and additional restrictions as discussed below. During 2018 the Banks could, without prior approval, declare dividends to the Company of approximately $7.7 million plus any 2018 net profits retained to the date of the dividend declaration. The Company and the subsidiary Banks are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company's financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Banks must meet specific guidelines that involve quantitative measures of their assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. These quantitative measures established by regulation to ensure capital adequacy require the Company and Banks to maintain minimum amounts and ratios (set forth in the following tables). The final rules implementing the Basel Committee on Banking Supervision's capital guidelines for U.S. Banks (Basel III rules) became effective for the Company and Banks on January 1, 2015 with full compliance with all of the requirements being phased in over a multi-year schedule by January 1, 2019. The net unrealized gain or loss on available for sale securities is not included in computing regulatory capital. Management believes, as of March 31, 2018, that the Company and the Banks meet all quantitative capital adequacy requirements to which they are subject. Shown below is a summary of regulatory capital ratios, exclusive of the capital conservation buffer, for the Company: Mar 31, 2018 December 31, 2017 Regulatory Minimum Requirements To Be Considered Well Capitalized Common Equity Tier 1 Capital (to Risk-Weighted Assets) 14.6 % 13.9 % 4.5 % 6.5 % Tier 1 Capital (to Risk-Weighted Assets) 15.2 % 14.4 % 6.0 % 8.0 % Total Capital (to Risk-Weighted Assets) 16.4 % 15.6 % 8.0 % 10.0 % Tier 1 Capital (to Average Assets) 10.9 % 10.7 % 4.0 % 5.0 % Beginning on January 1, 2016 an additional capital conservation buffer has been added to the minimum regulatory capital ratios under the regulatory framework for prompt corrective action. The capital conservation buffer will be measured as a percentage of risk weighted assets and will be phased-in over a four year period from 2016 thru 2019. The required capital conservation buffer was 1.25% in 2017, and is 1.875% in 2018. When fully implemented, the capital conservation buffer will be 2.50% of risk weighted assets over and above the regulatory minimum capital ratios for Common Equity Tier 1 Capital (CET1) to risk weighted assets, Tier 1 Capital to risk weighted assets, and Total Capital to risk weighted assets. The consequences of not meeting the capital conservation buffer thresholds include restrictions on the payment of dividends, restrictions on the payment of discretionary bonuses, and restrictions on the repurchasing of common shares by the Company. The capital ratios of the Affiliate Banks and the Company already exceed the new minimum capital ratios plus the fully phased-in 2.50% capital buffer requiring a CET1 Capital to risk weighted assets ratio of at least 7.00%, a Tier 1 Capital to risk weighted assets ratio of at least 8.50%, and a Total Capital to risk weighted assets ratio of at least 10.50%. The Company's capital conservation buffer was 8.44% at March 31, 2018 and 7.56% at December 31, 2017, well in excess of the fully phased-in 2.50% required by March 31, 2019.

STOCK COMPENSATION EXPENSE

STOCK COMPENSATION EXPENSE	3 Months Ended
	Mar. 31, 2018
STOCK COMPENSATION EXPENSE [Abstract]
STOCK COMPENSATION EXPENSE	NOTE 5 – STOCK COMPENSATION EXPENSE From time to time the Company grants stock options to its employees. The Company estimates the fair value of the options at the time they are granted to employees and expenses that fair value over the vesting period of the option grant. On March 21, 2018, 54,300 incentive stock options were granted under the 2012 Long Term Incentive Plan at an exercise price of $18.90, the closing market price of Premier's common stock on the grant date. These options vest in three equal annual installments ending on March 21, 2021. On March 15, 2017, 55,500 incentive stock options were granted under the 2012 Long Term Incentive Plan at an exercise price of $19.01, the closing market price of Premier's common stock on the grant date. These options vest in three equal annual installments ending on March 15, 2020. Compensation expense of $27,000 was recorded for the first three months of 2018 while $20,000 was recorded for the first three months of 2017. Stock-based compensation expense related to incentive stock option grants is recognized ratably over the requisite vesting period for all awards. Unrecognized stock-based compensation expense related to stock options totaled $210,000 at March 31, 2018. This unrecognized expense is expected to be recognized over the next 35 months based on the vesting periods of the options.

EARNINGS PER SHARE

EARNINGS PER SHARE	3 Months Ended
	Mar. 31, 2018
EARNINGS PER SHARE [Abstract]
EARNINGS PER SHARE	NOTE 6 – EARNINGS PER SHARE A reconciliation of the numerators and denominators of the earnings per common share and earnings per common share assuming dilution computations for the three months ended March 31, 2018 and 2017 is presented below: Three Months Ended March 31, 2018 2017 Basic earnings per share Income available to common stockholders $ 5,133 $ 3,664 Weighted average common shares outstanding 10,677,100 10,643,0787 Earnings per share $ 0.48 $ 0.34 Diluted earnings per share Income available to common stockholders $ 5,133 $ 3,664 Weighted average common shares outstanding 10,677,100 10,643,078 Add dilutive effects of potential additional common stock 62,260 78,390 Weighted average common and dilutive potential common shares outstanding 10,739,360 10,721,468 Earnings per share assuming dilution $ 0.48 $ 0.34 Stock options for 106,050 shares of common stock were not considered in computing diluted earnings per share for the three months ended March 31, 2018 because they were antidilutive.

FAIR VALUE

FAIR VALUE	3 Months Ended
	Mar. 31, 2018
FAIR VALUE [Abstract]
FAIR VALUE	NOTE 7 – FAIR VALUE Fair value is the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. There are three levels of inputs that may be used to measure fair value: Level 1: Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date. Level 2: Significant other observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data. Level 3: Significant unobservable inputs that reflect a company's own assumptions about the assumptions that market participants would use in pricing an asset or liability. When possible, the Company looks to active and observable markets to price identical assets or liabilities. When identical assets and liabilities are not traded in active markets, the Company looks to observable market data for similar assets and liabilities. However, certain assets and liabilities are not traded in observable markets and the Company must use other valuation methods to develop a fair value. Carrying amount is the estimated fair value for cash and due from banks, Federal funds sold, accrued interest receivable and payable, demand deposits, short-term debt, and deposits that reprice frequently and fully. Fair values of time deposits with other banks are based on current rates for similar time deposits using the remaining time to maturity. It was not practicable to determine the fair value of Federal Home Loan Bank stock due to the restrictions placed on its transferability. For deposits and variable rate deposits with infrequent repricing, fair value is based on discounted cash flows using current market rates applied to the estimated life. The methodology for the fair value valuation of loans held for investment has been impacted by the adoption of ASU 2016-01. Fair values for loans had been previously based upon the measured at the entry price notion by using the discounted cash flow or collateral value. The newly adopted exit price notion uses the same approach but also incorporates additional factors such as using economic factors, credit risk, and market rates and conditions. The new definition using the exit price focuses on the price that would be received to sell the asset or paid to transfer the liability, not the price that would be paid to acquire the asset or received to assume the liability. As of March 31, 2018, the technique used by the Company to estimate the exit price of the loan portfolio consists of similar procedures to those used as of December 31, 2017, but with added emphasis on both illiquidity risk and credit risk not captured by the previously applied entry price notion. This credit risk assumption is intended to approximate the fair value that a market participant would realize in a hypothetical orderly transaction. The Company's loan portfolio is initially fair valued using a segmented approach, using the eight categories as disclosed in Note 3 – Loans. Fair values for impaired loans are estimated using discounted cash flow analysis or underlying collateral values. Fair value of debt is based on current rates for similar financing. The fair value of commitments to extend credit and standby letters of credit is not material. The Company used the following methods and significant assumptions to estimate the fair value of each type of financial instrument measured on a recurring basis: Investment Securities: The fair values for investment securities are determined by quoted market prices, if available (Level 1). For securities where quoted prices are not available, fair values are calculated based on market prices of similar securities (Level 2). For securities where quoted prices or market prices of similar securities are not available, fair values are calculated using discounted cash flows or other market indicators (Level 3). The carrying amounts and estimated fair values of financial instruments at March 31, 2018 were as follows: Fair Value Measurements at March 31, 2018 Using Carrying Amount Level 1 Level 2 Level 3 Total Financial assets Cash and due from banks $ 124,813 $ 124,813 $ - $ - $ 124,813 Time deposits with other banks 2,582 - 2,572 - 2,572 Federal funds sold 15,348 15,348 - - 15,348 Securities available for sale 281,088 - 281,088 - 281,088 Loans, net 1,015,918 - - 1,012,776 1,012,776 Federal Home Loan Bank stock 3,185 n/a n/a n/a n/a Interest receivable 3,701 - 799 2,902 3,701 Financial liabilities Deposits $ (1,303,195 ) $ (962,506 ) $ (334,299 ) $ - $ (1,296,805 ) Securities sold under agreements to repurchase (20,793 ) - (20,793 ) - (20,793 ) Other borrowed funds (4,250 ) - (4,194 ) - (4,194 ) Subordinated debt (5,383 ) - (5,503 ) - (5,503 ) Interest payable (407 ) (8 ) (399 ) - (407 ) The carrying amounts and estimated fair values of financial instruments at December 31, 2017 were as follows: Fair Value Measurements at December 31, 2017 Using Carrying Amount Level 1 Level 2 Level 3 Total Financial assets Cash and due from banks $ 78,005 $ 78,005 $ - $ - $ 78,005 Time deposits with other banks 2,582 - 2,581 - 2,581 Federal funds sold 4,658 4,658 - - 4,658 Securities available for sale 278,466 - 278,466 - 278,466 Loans, net 1,036,948 - - 1,016,723 1,016,723 Federal Home Loan Bank stock 3,185 n/a n/a n/a n/a Interest receivable 4,043 - 700 3,343 4,043 Financial liabilities Deposits $ (1,272,675 ) $ (929,202 ) $ (338,291 ) $ - $ (1,267,493 ) Securities sold under agreements to repurchase (23,310 ) - (23,310 ) - (23,310 ) Other borrowed funds (5,000 ) - (4,955 ) - (4,955 ) Subordinated debt (5,376 ) - (5,439 ) - (5,439 ) Interest payable (393 ) (7 ) (386 ) - (393 ) Assets and Liabilities Measured on a Recurring Basis Assets and liabilities measured at fair value on a recurring basis are summarized below: Fair Value Measurements at March 31, 2018 Using: Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Available for sale Mortgage-backed securities U. S. agency MBS - residential $ 200,324 $ - $ 200,324 $ - U. S. agency CMO's - residential 51,838 - 51,838 - Total mortgage-backed securities of government sponsored agencies 252,162 - 252,162 - U. S. government sponsored agency securities 17,551 - 17,551 - Obligations of states and political subdivisions 11,375 - 11,375 - Total securities available for sale $ 281,088 $ - $ 281,088 $ - Fair Value Measurements at December 31, 2017 Using: Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Available for sale Mortgage-backed securities U. S. agency MBS - residential $ 196,590 $ - $ 196,590 $ - U. S. agency CMO's 51,108 - 51,108 - Total mortgage-backed securities of government sponsored agencies 247,698 - 247,698 - U. S. government sponsored agency securities 19,134 - 19,134 - Obligations of states and political subdivisions 11,634 - 11,634 - Total securities available for sale $ 278,466 $ - $ 278,466 $ - There were no transfers between Level 1 and Level 2 during 2018 or 2017. Assets and Liabilities Measured on a Non-Recurring Basis The Company used the following methods and significant assumptions to estimate the fair value of each type of financial instrument measured on a non-recurring basis: Impaired loans: Other real estate owned (OREO): Assets and liabilities measured at fair value on a non-recurring basis at March 31, 2018 are summarized below: Fair Value Measurements at March 31, 2018 Using Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets: Impaired loans: Multifamily real estate $ 1,910 $ - $ - $ 1,910 Commercial real estate Owner occupied 469 - - 469 Non-owner occupied 1,969 - - 1,969 Commercial and industrial 12 - - 12 Construction and land 2,841 - - 2,841 Total impaired loans $ 7,201 $ - $ - $ 7,201 Other real estate owned: Residential real estate $ 352 $ - $ - $ 352 Commercial real estate Owner occupied 175 - - 175 Non-owner occupied 200 - - 200 Construction and land 150 - - 150 Total OREO $ 877 $ - $ - $ 877 Impaired loans, which are measured for impairment using the fair value of the collateral for collateral dependent loans, had a carrying amount of $9,211,000 at March 31, 2018 with a valuation allowance of $2,010,000 and a carrying amount of $9,384,000 at December 31, 2017 with a valuation allowance of $1,502,000 resulting in a provision for loan losses of $707,000 for the three months ended March 31, 2018, compared to a $85,000 provision for loan losses for the three months ended March 31, 2017. The detail of impaired loans by loan class is contained in Note 3 above. Other real estate owned measured at fair value less costs to sell, had a net carrying amount of $877,000 which is made up of the outstanding balance of $1,498,000 net of a valuation allowance of $621,000 at March 31, 2018. There were no write downs during the three months ended March 31, 2018, and $39,000 of write downs during the three months ended March 31, 2017. At December 31, 2017, other real estate owned had a net carrying amount of $2,641,000, made up of the outstanding balance of $4,082,000, net of a valuation allowance of $1,441,000. The significant unobservable inputs related to assets and liabilities measured at fair value on a non-recurring basis at March 31, 2018 are summarized below: March 31, 2018 Valuation Techniques Unobservable Inputs Range (Weighted Avg) Impaired loans: Multifamily real estate $ 1,910 sales comparison adjustment for estimated realizable value 46.0%-46.7% (46.4%) Commercial real estate Owner occupied 469 sales comparison adjustment for estimated realizable value 36.9%-36.9% (36.9%) Non-owner occupied 1,969 income approach adjustment for differences in net operating income expectations 67.0%-67.0% (67.0%) Commercial and industrial 12 sales comparison adjustment for estimated realizable value 8.0%-8.0% (8.0%) Construction and land 2,841 sales comparison adjustment for percentage of completion of construction 38.0%-38.0% (27.7%) Total impaired loans $ 7,201 Other real estate owned: Residential real estate $ 352 sales comparison adjustment for estimated realizable value 8.8%-50.2% (20.0%) Commercial real estate Owner occupied 175 sales comparison adjustment for estimated realizable value 21.8%-21.8% (21.8%) Non-owner occupied 200 sales comparison adjustment for estimated realizable value 58.9%-58.9% (58.9%) Construction and land 150 sales comparison adjustment for estimated realizable value 50.3%-50.3% (50.3%) Total OREO $ 877 Assets and liabilities measured at fair value on a non-recurring basis at December 31, 2017 are summarized below: Fair Value Measurements at December 31, 2017 Using Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets: Impaired loans: Multifamily real estate $ 1,910 $ - $ - $ 1,910 Commercial real estate Owner occupied 568 - - 568 Non-owner occupied 1,984 - - 1,984 Commercial and industrial 111 - - 111 Construction and land 3,309 - - 3,309 Total impaired loans $ 7,882 $ - $ - $ 7,882 Other real estate owned: Residential real estate $ 352 $ - $ - $ 352 Commercial real estate Owner occupied 175 - - 175 Non-owner occupied 200 - - 200 Construction and land 1,914 - - 1,914 Total OREO $ 2,641 $ - $ - $ 2,641 The significant unobservable inputs related to assets and liabilities measured at fair value on a non-recurring basis at December 31, 2017 are summarized below: December 31, 2017 Valuation Techniques Unobservable Inputs Range (Weighted Avg) Impaired loans: Multifamily real estate $ 1,910 sales comparison adjustment for estimated realizable value 46.0%-46.7% (46.4%) Commercial real estate Owner occupied 568 sales comparison adjustment for estimated realizable value 23.1%-23.1% (23.1%) Non-owner occupied 1,984 income approach adjustment for differences in net operating income expectations 67.4%-67.4% (67.4%) Commercial and industrial 111 sales comparison adjustment for estimated realizable value 8.0%-71.1% (64.2%) Construction and land 3,309 sales comparison adjustment for percentage of completion of construction 27.7%-27.7% (27.7%) Total impaired loans $ 7,882 Other real estate owned: Residential real estate $ 352 sales comparison adjustment for estimated realizable value 8.8%-50.2% (20.0%) Commercial real estate Owner occupied 175 sales comparison adjustment for estimated realizable value 21.8%-21.8% (21.8%) Non-owner occupied 200 sales comparison adjustment for estimated realizable value 58.9%-58.9% (58.9%) Construction and land 1,914 sales comparison adjustment for estimated realizable value 25.2%-69.0% (27.8%) Total OREO $ 2,641

SUBSEQUENT EVENT

SUBSEQUENT EVENT	3 Months Ended
	Mar. 31, 2018
SUBSEQUENT EVENT [Abstract]
SUBSEQUENT EVENT	NOTE 8 – SUBSEQUENT EVENT On April 18, 2018, Premier Financial Bancorp, Inc. ("Premier") entered into a material definitive merger agreement (the "Merger Agreement") with First Bank of Charleston, Inc. ("First Bank"), a $189 million bank (as of December 31, 2017) headquartered in Charleston, West Virginia whereby Premier will acquire First Bank in exchange for a combination of cash and Premier common stock currently valued at approximately $33.0 million. Under terms of the definitive agreement, First Bank shareholders will be entitled to a combination of Premier common stock and cash currently valued at approximately $32.00 per First Bank share, or an aggregate value of $33.0 million, including $5.00 per share in cash from Premier and a $5.00 per share special dividend from First Bank. Under a floating exchange ratio, Premier would issue approximately 1.15 million shares in the acquisition assuming Premier's closing price of $19.73 per share on April 18, 2018. The transaction, which is subject to satisfaction of various contractual conditions, requires approval by bank regulatory agencies and the shareholders of First Bank and approval of Premier shareholders for the issuance of shares. The transaction is anticipated to close in the fourth quarter of 2018 with a systems conversion anticipated to be completed soon thereafter.

BASIS OF PRESENTATION (Policies

BASIS OF PRESENTATION (Policies)	3 Months Ended
	Mar. 31, 2018
BASIS OF PRESENTATION [Abstract]
Recently Issued Accounting Pronouncements	Recently Issued Accounting Pronouncements In May 2014, FASB issued Accounting Standards Update 2014-09, Revenue from Contracts with Customers (Topic 606) Service charges on deposit accounts – Debit card interchange fees - Non-customer ATM fees – Gain on sale of OREO – In January 2016, the FASB issued ASU No. 2016-01, Financial Instruments—Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities In February 2016, the FASB issued ASU No. 2016-02, Leases (Topic 842) In June 2016, the FASB issued ASU No. 2016-13, Financial Instruments—Credit Losses: Measurement of Credit Losses on Financial Instruments In February 2018, the FASB issued ASU No. 2018-02, Reclassification of Certain Tax Effects from Accumulated Other Comprehensive Income

BASIS OF PRESENTATION (Tables)

BASIS OF PRESENTATION (Tables)	3 Months Ended
	Mar. 31, 2018
BASIS OF PRESENTATION [Abstract]
Accounts of the Company and its Wholly Owned Subsidiaries	The consolidated financial statements include the accounts of Premier Financial Bancorp, Inc. (the Company) and its wholly owned subsidiaries (the "Banks"): March 31, 2018 Year Total Net Income Subsidiary Location Acquired Assets Qtr Citizens Deposit Bank & Trust Vanceburg, Kentucky 1991 $ 427,514 $ 1,290 Premier Bank, Inc. Huntington, West Virginia 1998 1,091,144 4,486 Parent and Intercompany Eliminations 7,125 (643 ) Consolidated Total $ 1,525,783 $ 5,133

SECURITIES (Tables)

SECURITIES (Tables)	3 Months Ended
	Mar. 31, 2018
SECURITIES [Abstract]
Amortized Cost and Fair Value of Investment Securities, by Category	Amortized cost and fair value of investment securities, by category, at March 31, 2018 are summarized as follows: 2018 Amortized Cost Unrealized Gains Unrealized Losses Fair Value Available for sale Mortgage-backed securities U. S. sponsored agency MBS - residential $ 205,671 $ 67 $ (5,414 ) $ 200,324 U. S. sponsored agency CMO's - residential 52,720 87 (969 ) 51,838 Total mortgage-backed securities of government sponsored agencies 258,391 154 (6,383 ) 252,162 U. S. government sponsored agency securities 17,780 - (229 ) 17,551 Obligations of states and political subdivisions 11,403 37 (65 ) 11,375 Total available for sale $ 287,574 $ 191 $ (6,677 ) $ 281,088 Amortized cost and fair value of investment securities, by category, at December 31, 2017 are summarized as follows: 2017 Amortized Cost Unrealized Gains Unrealized Losses Fair Value Available for sale Mortgage-backed securities U. S. sponsored agency MBS - residential $ 198,631 $ 175 $ (2,216 ) $ 196,590 U. S. sponsored agency CMO's - residential 51,548 241 (681 ) 51,108 Total mortgage-backed securities of government sponsored agencies 250,179 416 (2,897 ) 247,698 U. S. government sponsored agency securities 19,312 1 (179 ) 19,134 Obligations of states and political subdivisions 11,599 61 (26 ) 11,634 Total available for sale $ 281,090 $ 478 $ (3,102 ) $ 278,466
Amortized Cost and Fair Value of Securities by Contractual Maturity	The amortized cost and fair value of securities at March 31, 2018 by contractual maturity are shown below. Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. Amortized Cost Fair Value Available for sale Due in one year or less $ 9,558 $ 9,536 Due after one year through five years 13,954 13,798 Due after five years through ten years 5,340 5,261 Due after ten years 331 331 Mortgage-backed securities of government sponsored agencies 258,391 252,162 Total available for sale $ 287,574 $ 281,088
Securities with Unrealized Losses in Continuous Unrealized Loss Position	Securities with unrealized losses at March 31, 2018 aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position are as follows: Less than 12 Months 12 Months or More Total Description of Securities Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss U.S government sponsored agency securities $ 7,264 $ (42 ) $ 10,287 $ (187 ) $ 17,551 $ (229 ) U.S government sponsored agency MBS – residential 147,730 (3,461 ) 45,086 (1,953 ) 192,816 (5,414 ) U.S government sponsored agency CMO's – residential 17,519 (184 ) 16,720 (785 ) 34,239 (969 ) Obligations of states and political subdivisions 4,547 (55 ) 471 (10 ) 5,018 (65 ) Total temporarily impaired $ 177,060 $ (3,742 ) $ 72,564 $ (2,935 ) $ 249,624 $ (6,677 ) Securities with unrealized losses at December 31, 2017 aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position are as follows: Less than 12 Months 12 Months or More Total Description of Securities Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss U.S government sponsored agency securities $ 6,780 $ (41 ) $ 10,335 $ (138 ) $ 17,115 $ (179 ) U.S government sponsored agency MBS – residential 134,211 (1,076 ) 47,682 (1,140 ) 181,893 (2,216 ) U.S government sponsored agency CMO's – residential 8,306 (64 ) 17,868 (617 ) 26,174 (681 ) Obligations of states and political subdivisions 3,512 (20 ) 474 (6 ) 3,986 (26 ) Total temporarily impaired $ 152,809 $ (1,201 ) $ 76,359 $ (1,901 ) $ 229,168 $ (3,102 )

LOANS (Tables)

LOANS (Tables)	3 Months Ended
	Mar. 31, 2018
LOANS [Abstract]
Major Classifications of Loans	Major classifications of loans at March 31, 2018 and December 31, 2017 are summarized as follows: 2018 2017 Residential real estate $ 342,258 $ 338,829 Multifamily real estate 62,500 62,151 Commercial real estate: Owner occupied 137,215 136,048 Non-owner occupied 217,603 230,702 Commercial and industrial 76,659 78,259 Consumer 27,924 28,293 Construction and land 129,083 139,012 All other 35,516 35,758 $ 1,028,758 $ 1,049,052
Activity in the Allowance for Loan Losses by Portfolio Segment	Activity in the allowance for loan losses by portfolio segment for the three months ended March 31, 2018 was as follows: Loan Class Balance Dec 31, 2017 Provision (credit) for loan losses Loans charged-off Recoveries Balance March 31, 2018 Residential real estate $ 2,986 $ (691 ) $ (49 ) $ 16 $ 2,262 Multifamily real estate 978 (320 ) (11 ) - 647 Commercial real estate: Owner occupied 1,653 164 (2 ) 1 1,816 Non-owner occupied 2,313 (110 ) (16 ) - 2,187 Commercial and industrial 1,101 813 (267 ) 4 1,651 Consumer 328 49 (33 ) 25 369 Construction and land 2,408 913 (19 ) - 3,302 All other 337 297 (67 ) 39 606 Total $ 12,104 $ 1,115 $ (464 ) $ 85 $ 12,840 Activity in the allowance for loan losses by portfolio segment for the three months ended March 31, 2017 was as follows: Loan Class Balance Dec 31, 2016 Provision (credit) for loan losses Loans charged-off Recoveries Balance March 31, 2017 Residential real estate $ 2,948 $ 129 $ (105 ) $ 5 $ 2,977 Multifamily real estate 785 (15 ) - - 770 Commercial real estate: Owner occupied 1,543 32 - 1 1,576 Non-owner occupied 2,350 77 (5 ) - 2,422 Commercial and industrial 1,140 (34 ) - 23 1,129 Consumer 347 116 (117 ) 24 370 Construction and land 1,397 34 (123 ) 10 1,318 All other 326 27 (59 ) 38 332 Total $ 10,836 $ 366 $ (409 ) $ 101 $ 10,894
Purchased Loans	The carrying amount of those loans is as follows at March 31, 2018 and December 31, 2017. 2018 2017 Residential real estate $ 1,292 $ 1,321 Commercial real estate Owner occupied 1,459 1,508 Commercial and industrial 9 211 Construction and land 1,426 1,450 All other 292 286 Total carrying amount $ 4,478 $ 4,776 Contractual principal balance $ 6,234 $ 6,728 Carrying amount, net of allowance $ 4,478 $ 4,676
Purchase Loans Accretable Yield, or Income Expected to be Collected	The accretable yield, or income expected to be collected, on the purchased loans above is as follows at March 31, 2018 and March 31, 2017. 2018 2017 Balance at January 1 $ 754 $ 1,208 New loans purchased - - Accretion of income (69 ) (123 ) Loans placed on non-accrual (41 ) - Reclassifications from non-accretable difference - - Disposals - - Balance at March 31 $ 644 $ 1,085
Past Due and Non-performing Loans	The following tables present the recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans as of March 31, 2018 and December 31, 2017. The recorded investment in non-accrual loans is less than the principal owed on non-accrual loans due to discounts applied to the carrying value of the loan at time of their acquisition and interest payments made by the borrower which have been used to reduce the recorded investment in the loan rather than recognized as interest income. March 31, 2018 Principal Owed on Non-accrual Loans Recorded Investment in Non-accrual Loans Loans Past Due Over 90 Days, still accruing Residential real estate $ 3,638 $ 2,981 $ 285 Multifamily real estate 2,074 2,061 366 Commercial real estate Owner occupied 2,732 2,579 - Non-owner occupied 1,685 1,643 - Commercial and industrial 1,544 930 2 Consumer 251 223 - Construction and land 4,805 4,712 25 All other 185 185 - Total $ 16,914 $ 15,314 $ 678 December 31, 2017 Principal Owed on Non-accrual Loans Recorded Investment in Non-accrual Loans Loans Past Due Over 90 Days, still accruing Residential real estate $ 2,944 $ 2,422 $ 869 Multifamily real estate 2,128 2,128 334 Commercial real estate Owner occupied 2,623 2,483 134 Non-owner occupied 1,862 1,755 85 Commercial and industrial 1,313 544 1,139 Consumer 268 241 - Construction and land 5,824 5,673 830 Total $ 16,962 $ 15,246 $ 3,391
Aging of Recorded Investment in Past Due Loans by Loan Class	The following table presents the aging of the recorded investment in past due loans as of March 31, 2018 by class of loans: Loan Class Total Loans 30-89 Days Past Due Greater than 90 days past due Total Past Due Loans Not Past Due Residential real estate $ 342,258 $ 4,919 $ 1,657 $ 6,576 $ 335,682 Multifamily real estate 62,500 2,061 366 2,427 60,073 Commercial real estate: Owner occupied 137,215 83 1,778 1,861 135,354 Non-owner occupied 217,603 78 - 78 217,525 Commercial and industrial 76,659 1,583 865 2,448 74,211 Consumer 27,924 234 79 313 27,611 Construction and land 129,083 634 812 1,446 127,637 All other 35,516 6 185 191 35,325 Total $ 1,028,758 $ 9,598 $ 5,742 $ 15,340 $ 1,013,418 The following table presents the aging of the recorded investment in past due loans as of December 31, 2017 by class of loans: Loan Class Total Loans 30-89 Days Past Due Greater than 90 days past due Total Past Due Loans Not Past Due Residential real estate $ 338,829 $ 5,242 $ 1,835 $ 7,077 $ 331,752 Multifamily real estate 62,151 - 334 334 61,817 Commercial real estate: Owner occupied 136,048 311 1,784 2,095 133,953 Non-owner occupied 230,702 12 225 237 230,465 Commercial and industrial 78,259 123 1,611 1,734 76,525 Consumer 28,293 492 87 579 27,714 Construction and land 139,012 144 2,508 2,652 136,360 All other 35,758 - - - 35,758 Total $ 1,049,052 $ 6,324 $ 8,384 $ 14,708 $ 1,034,344
Allowance for Loan Losses and Recorded Investment in Loans by Portfolio Segment Based on Impairment Method	The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of March 31, 2018: Allowance for Loan Losses Loan Balances Loan Class Individually Evaluated for Impairment Collectively Evaluated for Impairment Acquired with Deteriorated Credit Quality Total Individually Evaluated for Impairment Collectively Evaluated for Impairment Acquired with Deteriorated Credit Quality Total Residential real estate $ - $ 2,262 $ - $ 2,262 $ 299 $ 340,667 $ 1,292 $ 342,258 Multifamily real estate 151 496 - 647 2,427 60,073 - 62,500 Commercial real estate: Owner occupied 407 1,409 - 1,816 3,255 132,501 1,459 137,215 Non-owner occupied 86 2,101 - 2,187 9,463 208,140 - 217,603 Commercial and industrial 282 1,369 - 1,651 1,393 75,257 9 76,659 Consumer - 369 - 369 - 27,924 - 27,924 Construction and land 1,084 2,218 3,302 3,925 123,732 1,426 129,083 All other - 606 - 606 288 34,936 292 35,516 Total $ 2,010 $ 10,830 $ - $ 12,840 $ 21,050 $ 1,003,230 $ 4,478 $ 1,028,758 The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of December 31, 2017: Allowance for Loan Losses Loan Balances Loan Class Individually Evaluated for Impairment Collectively Evaluated for Impairment Acquired with Deteriorated Credit Quality Total Individually Evaluated for Impairment Collectively Evaluated for Impairment Acquired with Deteriorated Credit Quality Total Residential real estate $ - $ 2,986 $ - $ 2,986 $ 308 $ 337,200 $ 1,321 $ 338,829 Multifamily real estate 218 760 - 978 2,462 59,689 - 62,151 Commercial real estate: Owner occupied 307 1,346 - 1,653 3,314 131,226 1,508 136,048 Non-owner occupied 88 2,225 - 2,313 11,578 219,124 - 230,702 Commercial and industrial 104 897 100 1,101 1,304 76,744 211 78,259 Consumer - 328 - 328 - 28,293 - 28,293 Construction and land 685 1,723 - 2,408 5,672 131,890 1,450 139,012 All other - 337 - 337 293 35,179 286 35,758 Total $ 1,402 $ 10,602 $ 100 $ 12,104 $ 24,931 $ 1,019,345 $ 4,776 $ 1,049,052
Loans Individually Evaluated for Impairment by Class of Loans	The following table presents loans individually evaluated for impairment by class of loans as of March 31, 2018. The table does not include any loans acquired with deteriorated credit quality. Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated With no related allowance recorded: Residential real estate $ 435 $ 299 $ - Multifamily real estate 366 366 - Commercial real estate Owner occupied 2,381 2,379 - Non-owner occupied 7,445 7,408 - Commercial and industrial 1,654 1,099 - All other 288 288 - 12,569 11,839 - With an allowance recorded: Multifamily real estate 2,073 2,061 151 Commercial real estate Owner occupied 895 876 407 Non-owner occupied 2,055 2,055 86 Commercial and industrial 306 294 282 Construction and land 4,016 3,925 1,084 9,345 9,211 2,010 Total $ 21,914 $ 21,050 $ 2,010 The following table presents loans individually evaluated for impairment by class of loans as of December 31, 2017. The table includes $199,000 of loans acquired with deteriorated credit quality for which the Company cannot reasonably estimate cash flows such that they are accounted for on the cost recovery method and are still individually evaluated for impairment. Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated With no related allowance recorded: Residential real estate $ 446 $ 308 $ - Multifamily real estate 334 334 - Commercial real estate Owner occupied 2,451 2,439 - Non-owner occupied 9,602 9,506 - Commercial and industrial 1,719 1,188 - Construction and land 1,798 1,678 - All other 293 293 - 16,643 15,746 - With an allowance recorded: Multifamily real estate $ 2,128 $ 2,128 $ 218 Commercial real estate Owner occupied 895 875 307 Non-owner occupied 2,072 2,072 88 Commercial and industrial 466 315 204 Construction and land 4,024 3,994 685 9,585 9,384 1,502 Total $ 26,228 $ 25,130 $ 1,502
Average Balance of Loans Individually Evaluated for Impairment and Interest Income Recognized	The following table presents the average balance of loans individually evaluated for impairment and interest income recognized on these loans for the three months ended March 31, 2018 and March 31, 2017. The table includes loans acquired with deteriorated credit quality that are still individually evaluated for impairment. Three months ended March 31, 2018 Three months ended March 31, 2017 Loan Class Average Recorded Investment Interest Income Recognized Cash Basis Interest Recognized Average Recorded Investment Interest Income Recognized Cash Basis Interest Recognized Residential real estate $ 303 $ - $ - $ 356 $ 1 $ 1 Multifamily real estate 2,444 9 - 13,620 65 61 Commercial real estate: Owner occupied 3,284 25 25 2,770 6 6 Non-owner occupied 10,521 136 136 2,161 32 32 Commercial and industrial 1,448 8 8 1,558 7 7 Construction and land 4,799 - - 9,789 54 54 All other 291 4 4 309 - - Total $ 23,090 $ 182 $ 173 $ 30,563 $ 165 $ 161
Troubled Debt Restructurings	The following table presents TDR's as of March 31, 2018 and December 31, 2017: March 31, 2018 TDR's on Non-accrual Other TDR's Total TDR's Residential real estate $ 385 $ 103 $ 488 Multifamily real estate 2,061 - 2,061 Commercial real estate Owner occupied 601 1,778 2,379 Non-owner occupied - 7,861 7,861 Commercial and industrial 50 486 536 Construction and land 3,925 - 3,925 All other - 288 288 Total $ 7,022 $ 10,516 $ 17,538 December 31, 2017 TDR's on Non-accrual Other TDR's Total TDR's Residential real estate $ 393 $ 107 $ 500 Multifamily real estate 2,128 - 2,128 Commercial real estate Owner occupied 601 1,783 2,384 Non-owner occupied - 9,904 9,904 Commercial and industrial 56 497 553 Construction and land 3,994 - 3,994 All other - 293 293 Total $ 7,172 $ 12,584 $ 19,756
Risk Category of Loans by Class of Loans	As of March 31, 2018, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows: Loan Class Pass Special Mention Substandard Doubtful Total Loans Residential real estate $ 331,733 $ 1,043 $ 9,481 $ 1 $ 342,258 Multifamily real estate 56,527 3,546 2,427 - 62,500 Commercial real estate: Owner occupied 125,500 5,121 6,594 - 137,215 Non-owner occupied 205,528 1,943 10,132 - 217,603 Commercial and industrial 68,237 4,598 3,824 - 76,659 Consumer 27,563 - 361 - 27,924 Construction and land 117,514 5,310 6,259 - 129,083 All other 34,170 872 474 - 35,516 Total $ 966,772 $ 22,433 $ 39,552 $ 1 $ 1,028,758 As of December 31, 2017, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows: Loan Class Pass Special Mention Substandard Doubtful Total Loans Residential real estate $ 327,185 $ 667 $ 10,976 $ 1 $ 338,829 Multifamily real estate 55,084 4,605 2,462 - 62,151 Commercial real estate: Owner occupied 124,244 4,937 6,867 - 136,048 Non-owner occupied 216,079 2,428 12,195 - 230,702 Commercial and industrial 70,078 5,851 2,330 - 78,259 Consumer 27,889 - 404 - 28,293 Construction and land 126,323 5,460 7,229 139,012 All other 34,468 795 495 - 35,758 Total $ 981,350 $ 24,743 $ 42,958 $ 1 $ 1,049,052

STOCKHOLDERS' EQUITY AND REGU21

STOCKHOLDERS' EQUITY AND REGULATORY MATTERS (Tables)	3 Months Ended
	Mar. 31, 2018
STOCKHOLDERS' EQUITY AND REGULATORY MATTERS [Abstract]
Summary of Regulatory Capital Ratios	Shown below is a summary of regulatory capital ratios, exclusive of the capital conservation buffer, for the Company: Mar 31, 2018 December 31, 2017 Regulatory Minimum Requirements To Be Considered Well Capitalized Common Equity Tier 1 Capital (to Risk-Weighted Assets) 14.6 % 13.9 % 4.5 % 6.5 % Tier 1 Capital (to Risk-Weighted Assets) 15.2 % 14.4 % 6.0 % 8.0 % Total Capital (to Risk-Weighted Assets) 16.4 % 15.6 % 8.0 % 10.0 % Tier 1 Capital (to Average Assets) 10.9 % 10.7 % 4.0 % 5.0 %

EARNINGS PER SHARE (Tables)

EARNINGS PER SHARE (Tables)	3 Months Ended
	Mar. 31, 2018
EARNINGS PER SHARE [Abstract]
Reconciliation of Numerators and Denominators of the Earnings Per Share	A reconciliation of the numerators and denominators of the earnings per common share and earnings per common share assuming dilution computations for the three months ended March 31, 2018 and 2017 is presented below: Three Months Ended March 31, 2018 2017 Basic earnings per share Income available to common stockholders $ 5,133 $ 3,664 Weighted average common shares outstanding 10,677,100 10,643,0787 Earnings per share $ 0.48 $ 0.34 Diluted earnings per share Income available to common stockholders $ 5,133 $ 3,664 Weighted average common shares outstanding 10,677,100 10,643,078 Add dilutive effects of potential additional common stock 62,260 78,390 Weighted average common and dilutive potential common shares outstanding 10,739,360 10,721,468 Earnings per share assuming dilution $ 0.48 $ 0.34

FAIR VALUE (Tables)

FAIR VALUE (Tables)	3 Months Ended
	Mar. 31, 2018
FAIR VALUE [Abstract]
Carrying Amounts and Estimated Fair Values of Financial Instruments	The carrying amounts and estimated fair values of financial instruments at March 31, 2018 were as follows: Fair Value Measurements at March 31, 2018 Using Carrying Amount Level 1 Level 2 Level 3 Total Financial assets Cash and due from banks $ 124,813 $ 124,813 $ - $ - $ 124,813 Time deposits with other banks 2,582 - 2,572 - 2,572 Federal funds sold 15,348 15,348 - - 15,348 Securities available for sale 281,088 - 281,088 - 281,088 Loans, net 1,015,918 - - 1,012,776 1,012,776 Federal Home Loan Bank stock 3,185 n/a n/a n/a n/a Interest receivable 3,701 - 799 2,902 3,701 Financial liabilities Deposits $ (1,303,195 ) $ (962,506 ) $ (334,299 ) $ - $ (1,296,805 ) Securities sold under agreements to repurchase (20,793 ) - (20,793 ) - (20,793 ) Other borrowed funds (4,250 ) - (4,194 ) - (4,194 ) Subordinated debt (5,383 ) - (5,503 ) - (5,503 ) Interest payable (407 ) (8 ) (399 ) - (407 ) The carrying amounts and estimated fair values of financial instruments at December 31, 2017 were as follows: Fair Value Measurements at December 31, 2017 Using Carrying Amount Level 1 Level 2 Level 3 Total Financial assets Cash and due from banks $ 78,005 $ 78,005 $ - $ - $ 78,005 Time deposits with other banks 2,582 - 2,581 - 2,581 Federal funds sold 4,658 4,658 - - 4,658 Securities available for sale 278,466 - 278,466 - 278,466 Loans, net 1,036,948 - - 1,016,723 1,016,723 Federal Home Loan Bank stock 3,185 n/a n/a n/a n/a Interest receivable 4,043 - 700 3,343 4,043 Financial liabilities Deposits $ (1,272,675 ) $ (929,202 ) $ (338,291 ) $ - $ (1,267,493 ) Securities sold under agreements to repurchase (23,310 ) - (23,310 ) - (23,310 ) Other borrowed funds (5,000 ) - (4,955 ) - (4,955 ) Subordinated debt (5,376 ) - (5,439 ) - (5,439 ) Interest payable (393 ) (7 ) (386 ) - (393 )
Assets and Liabilities Measured at Fair Value on a Recurring Basis	Assets and liabilities measured at fair value on a recurring basis are summarized below: Fair Value Measurements at March 31, 2018 Using: Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Available for sale Mortgage-backed securities U. S. agency MBS - residential $ 200,324 $ - $ 200,324 $ - U. S. agency CMO's - residential 51,838 - 51,838 - Total mortgage-backed securities of government sponsored agencies 252,162 - 252,162 - U. S. government sponsored agency securities 17,551 - 17,551 - Obligations of states and political subdivisions 11,375 - 11,375 - Total securities available for sale $ 281,088 $ - $ 281,088 $ - Fair Value Measurements at December 31, 2017 Using: Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Available for sale Mortgage-backed securities U. S. agency MBS - residential $ 196,590 $ - $ 196,590 $ - U. S. agency CMO's 51,108 - 51,108 - Total mortgage-backed securities of government sponsored agencies 247,698 - 247,698 - U. S. government sponsored agency securities 19,134 - 19,134 - Obligations of states and political subdivisions 11,634 - 11,634 - Total securities available for sale $ 278,466 $ - $ 278,466 $ -
Assets and Liabilities Measured at Fair Value on a Non-recurring Basis	Assets and liabilities measured at fair value on a non-recurring basis at March 31, 2018 are summarized below: Fair Value Measurements at March 31, 2018 Using Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets: Impaired loans: Multifamily real estate $ 1,910 $ - $ - $ 1,910 Commercial real estate Owner occupied 469 - - 469 Non-owner occupied 1,969 - - 1,969 Commercial and industrial 12 - - 12 Construction and land 2,841 - - 2,841 Total impaired loans $ 7,201 $ - $ - $ 7,201 Other real estate owned: Residential real estate $ 352 $ - $ - $ 352 Commercial real estate Owner occupied 175 - - 175 Non-owner occupied 200 - - 200 Construction and land 150 - - 150 Total OREO $ 877 $ - $ - $ 877 Assets and liabilities measured at fair value on a non-recurring basis at December 31, 2017 are summarized below: Fair Value Measurements at December 31, 2017 Using Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets: Impaired loans: Multifamily real estate $ 1,910 $ - $ - $ 1,910 Commercial real estate Owner occupied 568 - - 568 Non-owner occupied 1,984 - - 1,984 Commercial and industrial 111 - - 111 Construction and land 3,309 - - 3,309 Total impaired loans $ 7,882 $ - $ - $ 7,882 Other real estate owned: Residential real estate $ 352 $ - $ - $ 352 Commercial real estate Owner occupied 175 - - 175 Non-owner occupied 200 - - 200 Construction and land 1,914 - - 1,914 Total OREO $ 2,641 $ - $ - $ 2,641
Fair Value Inputs, Assets, Quantitative Information	The significant unobservable inputs related to assets and liabilities measured at fair value on a non-recurring basis at March 31, 2018 are summarized below: March 31, 2018 Valuation Techniques Unobservable Inputs Range (Weighted Avg) Impaired loans: Multifamily real estate $ 1,910 sales comparison adjustment for estimated realizable value 46.0%-46.7% (46.4%) Commercial real estate Owner occupied 469 sales comparison adjustment for estimated realizable value 36.9%-36.9% (36.9%) Non-owner occupied 1,969 income approach adjustment for differences in net operating income expectations 67.0%-67.0% (67.0%) Commercial and industrial 12 sales comparison adjustment for estimated realizable value 8.0%-8.0% (8.0%) Construction and land 2,841 sales comparison adjustment for percentage of completion of construction 38.0%-38.0% (27.7%) Total impaired loans $ 7,201 Other real estate owned: Residential real estate $ 352 sales comparison adjustment for estimated realizable value 8.8%-50.2% (20.0%) Commercial real estate Owner occupied 175 sales comparison adjustment for estimated realizable value 21.8%-21.8% (21.8%) Non-owner occupied 200 sales comparison adjustment for estimated realizable value 58.9%-58.9% (58.9%) Construction and land 150 sales comparison adjustment for estimated realizable value 50.3%-50.3% (50.3%) Total OREO $ 877 The significant unobservable inputs related to assets and liabilities measured at fair value on a non-recurring basis at December 31, 2017 are summarized below: December 31, 2017 Valuation Techniques Unobservable Inputs Range (Weighted Avg) Impaired loans: Multifamily real estate $ 1,910 sales comparison adjustment for estimated realizable value 46.0%-46.7% (46.4%) Commercial real estate Owner occupied 568 sales comparison adjustment for estimated realizable value 23.1%-23.1% (23.1%) Non-owner occupied 1,984 income approach adjustment for differences in net operating income expectations 67.4%-67.4% (67.4%) Commercial and industrial 111 sales comparison adjustment for estimated realizable value 8.0%-71.1% (64.2%) Construction and land 3,309 sales comparison adjustment for percentage of completion of construction 27.7%-27.7% (27.7%) Total impaired loans $ 7,882 Other real estate owned: Residential real estate $ 352 sales comparison adjustment for estimated realizable value 8.8%-50.2% (20.0%) Commercial real estate Owner occupied 175 sales comparison adjustment for estimated realizable value 21.8%-21.8% (21.8%) Non-owner occupied 200 sales comparison adjustment for estimated realizable value 58.9%-58.9% (58.9%) Construction and land 1,914 sales comparison adjustment for estimated realizable value 25.2%-69.0% (27.8%) Total OREO $ 2,641

BASIS OF PRESENTATION (Details)

BASIS OF PRESENTATION (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2018	Mar. 31, 2017	Dec. 31, 2017
Consolidation, Less than Wholly Owned Subsidiary, Parent Ownership Interest, Effects of Changes, Net [Line Items]
Total Assets	$ 1,525,783		$ 1,493,424
Net Income	$ 5,133	$ 3,664
Citizens Deposit Bank & Trust [Member] | Vanceburg, Kentucky [Member]
Consolidation, Less than Wholly Owned Subsidiary, Parent Ownership Interest, Effects of Changes, Net [Line Items]
Year Acquired	1,991
Total Assets	$ 427,514
Net Income	$ 1,290
Premier Bank, Inc. [Member] | Huntington, West Virginia [Member]
Consolidation, Less than Wholly Owned Subsidiary, Parent Ownership Interest, Effects of Changes, Net [Line Items]
Year Acquired	1,998
Total Assets	$ 1,091,144
Net Income	4,486
Parent and Intercompany Eliminations [Member]
Consolidation, Less than Wholly Owned Subsidiary, Parent Ownership Interest, Effects of Changes, Net [Line Items]
Total Assets	7,125
Net Income	$ (643)

SECURITIES (Details)

SECURITIES (Details) - USD ($) $ in Thousands	Mar. 31, 2018	Dec. 31, 2017
Available-for-sale Investment securities [Abstract]
Amortized cost	$ 287,574	$ 281,090
Unrealized gains	191	478
Unrealized losses	(6,677)	(3,102)
Fair value	281,088	278,466
U.S. Government Sponsored Agency MBS - Residential [Member]
Available-for-sale Investment securities [Abstract]
Amortized cost	205,671	198,631
Unrealized gains	67	175
Unrealized losses	(5,414)	(2,216)
Fair value	200,324	196,590
U.S. Government Sponsored Agency CMO's - Residential [Member]
Available-for-sale Investment securities [Abstract]
Amortized cost	52,720	51,548
Unrealized gains	87	241
Unrealized losses	(969)	(681)
Fair value	51,838	51,108
Total Mortgage-Backed Securities of Government Sponsored Agencies [Member]
Available-for-sale Investment securities [Abstract]
Amortized cost	258,391	250,179
Unrealized gains	154	416
Unrealized losses	(6,383)	(2,897)
Fair value	252,162	247,698
U.S. Government Sponsored Agency Securities [Member]
Available-for-sale Investment securities [Abstract]
Amortized cost	17,780	19,312
Unrealized gains	0	1
Unrealized losses	(229)	(179)
Fair value	17,551	19,134
Obligations of States and Political Subdivisions [Member]
Available-for-sale Investment securities [Abstract]
Amortized cost	11,403	11,599
Unrealized gains	37	61
Unrealized losses	(65)	(26)
Fair value	$ 11,375	$ 11,634

SECURITIES, By Contractual Matu

SECURITIES, By Contractual Maturity (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2018	Mar. 31, 2017	Dec. 31, 2017
Amortized cost of available-for-sale securities by contractual maturity [Abstract]
Due in one year or less	$ 9,558
Due after one year through five years	13,954
Due after five years through ten years	5,340
Due after ten years	331
Mortgage-backed securities of government sponsored agencies	258,391
Available for sale, Amortized Cost	287,574
Fair value of available-for-sale securities by contractual maturity [Abstract]
Due in one year or less	9,536
Due after one year through five years	13,798
Due after five years through ten years	5,261
Due after ten years	331
Mortgage backed securities of government sponsored agencies	252,162
Available for sale, Fair Value	281,088		$ 278,466
Proceeds from the sale of securities	$ 0	$ 0

SECURITIES, Securities with Unr

SECURITIES, Securities with Unrealized Losses in Continuous Unrealized Loss Position (Details) - USD ($) $ in Thousands	Mar. 31, 2018	Dec. 31, 2017
Continuous unrealized loss position, fair value [Abstract]
Less than 12 months	$ 177,060	$ 152,809
12 months or more	72,564	76,359
Total	249,624	229,168
Continuous unrealized loss position, unrealized loss [Abstract]
Less than 12 months	(3,742)	(1,201)
12 months or more	(2,935)	(1,901)
Total	(6,677)	(3,102)
U.S. Government Sponsored Agency Securities [Member]
Continuous unrealized loss position, fair value [Abstract]
Less than 12 months	7,264	6,780
12 months or more	10,287	10,335
Total	17,551	17,115
Continuous unrealized loss position, unrealized loss [Abstract]
Less than 12 months	(42)	(41)
12 months or more	(187)	(138)
Total	(229)	(179)
U.S. Government Sponsored Agency MBS - Residential [Member]
Continuous unrealized loss position, fair value [Abstract]
Less than 12 months	147,730	134,211
12 months or more	45,086	47,682
Total	192,816	181,893
Continuous unrealized loss position, unrealized loss [Abstract]
Less than 12 months	(3,461)	(1,076)
12 months or more	(1,953)	(1,140)
Total	(5,414)	(2,216)
U.S. Government Sponsored Agency CMO's - Residential [Member]
Continuous unrealized loss position, fair value [Abstract]
Less than 12 months	17,519	8,306
12 months or more	16,720	17,868
Total	34,239	26,174
Continuous unrealized loss position, unrealized loss [Abstract]
Less than 12 months	(184)	(64)
12 months or more	(785)	(617)
Total	(969)	(681)
Obligations of States and Political Subdivisions [Member]
Continuous unrealized loss position, fair value [Abstract]
Less than 12 months	4,547	3,512
12 months or more	471	474
Total	5,018	3,986
Continuous unrealized loss position, unrealized loss [Abstract]
Less than 12 months	(55)	(20)
12 months or more	(10)	(6)
Total	$ (65)	$ (26)

LOANS, Major Classifications of

LOANS, Major Classifications of Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2018	Dec. 31, 2017
Loans and Leases Receivable Disclosure [Line Items]
Loans	$ 1,028,758	$ 1,049,052
Residential Real Estate [Member]
Loans and Leases Receivable Disclosure [Line Items]
Loans	342,258	338,829
Multifamily Real Estate [Member]
Loans and Leases Receivable Disclosure [Line Items]
Loans	62,500	62,151
Commercial Real Estate [Member] | Owner Occupied [Member]
Loans and Leases Receivable Disclosure [Line Items]
Loans	137,215	136,048
Commercial Real Estate [Member] | Non-Owner Occupied [Member]
Loans and Leases Receivable Disclosure [Line Items]
Loans	217,603	230,702
Commercial and Industrial [Member]
Loans and Leases Receivable Disclosure [Line Items]
Loans	76,659	78,259
Consumer [Member]
Loans and Leases Receivable Disclosure [Line Items]
Loans	27,924	28,293
Construction and Land [Member]
Loans and Leases Receivable Disclosure [Line Items]
Loans	129,083	139,012
All Other [Member]
Loans and Leases Receivable Disclosure [Line Items]
Loans	$ 35,516	$ 35,758

LOANS, Activity in Allowance Fo

LOANS, Activity in Allowance For Loan Losses by Portfolio Segment (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2018	Mar. 31, 2017
Activity in the allowance for loan losses by portfolio segment [Roll Forward]
Balance, beginning of period	$ 12,104	$ 10,836
Provision (credit) for loan losses	1,115	366
Loans charged-off	(464)	(409)
Recoveries	85	101
Balance, end of period	12,840	10,894
Residential Real Estate [Member]
Activity in the allowance for loan losses by portfolio segment [Roll Forward]
Balance, beginning of period	2,986	2,948
Provision (credit) for loan losses	(691)	129
Loans charged-off	(49)	(105)
Recoveries	16	5
Balance, end of period	2,262	2,977
Multifamily Real Estate [Member]
Activity in the allowance for loan losses by portfolio segment [Roll Forward]
Balance, beginning of period	978	785
Provision (credit) for loan losses	(320)	(15)
Loans charged-off	(11)	0
Recoveries	0	0
Balance, end of period	647	770
Commercial Real Estate [Member] | Owner Occupied [Member]
Activity in the allowance for loan losses by portfolio segment [Roll Forward]
Balance, beginning of period	1,653	1,543
Provision (credit) for loan losses	164	32
Loans charged-off	(2)	0
Recoveries	1	1
Balance, end of period	1,816	1,576
Commercial Real Estate [Member] | Non-Owner Occupied [Member]
Activity in the allowance for loan losses by portfolio segment [Roll Forward]
Balance, beginning of period	2,313	2,350
Provision (credit) for loan losses	(110)	77
Loans charged-off	(16)	(5)
Recoveries	0	0
Balance, end of period	2,187	2,422
Commercial and Industrial [Member]
Activity in the allowance for loan losses by portfolio segment [Roll Forward]
Balance, beginning of period	1,101	1,140
Provision (credit) for loan losses	813	(34)
Loans charged-off	(267)	0
Recoveries	4	23
Balance, end of period	1,651	1,129
Consumer [Member]
Activity in the allowance for loan losses by portfolio segment [Roll Forward]
Balance, beginning of period	328	347
Provision (credit) for loan losses	49	116
Loans charged-off	(33)	(117)
Recoveries	25	24
Balance, end of period	369	370
Construction and Land [Member]
Activity in the allowance for loan losses by portfolio segment [Roll Forward]
Balance, beginning of period	2,408	1,397
Provision (credit) for loan losses	913	34
Loans charged-off	(19)	(123)
Recoveries	0	10
Balance, end of period	3,302	1,318
All Other [Member]
Activity in the allowance for loan losses by portfolio segment [Roll Forward]
Balance, beginning of period	337	326
Provision (credit) for loan losses	297	27
Loans charged-off	(67)	(59)
Recoveries	39	38
Balance, end of period	$ 606	$ 332

LOANS, Purchased Impaired Loans

LOANS, Purchased Impaired Loans (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2018	Mar. 31, 2017	Dec. 31, 2017
Purchased loans [Abstract]
Total carrying amount	$ 4,478		$ 4,776
Contractual principal balance	6,234		6,728
Carrying amount, net of allowance	4,478		4,676
Increase in loan allowance related to acquisitions	0	$ 0
Accretable Yield [Roll Forward]
Beginning Balance	754	1,208
New loans purchased	0	0
Accretion of income	(69)	(123)
Loans placed on non-accrual	(41)	0
Reclassifications from non-accretable difference	0	0
Disposals	0	0
Ending Balance	644	$ 1,085
Residential Real Estate [Member]
Purchased loans [Abstract]
Total carrying amount	1,292		1,321
Commercial Real Estate [Member] | Owner Occupied [Member]
Purchased loans [Abstract]
Total carrying amount	1,459		1,508
Commercial and Industrial [Member]
Purchased loans [Abstract]
Total carrying amount	9		211
Construction and Land [Member]
Purchased loans [Abstract]
Total carrying amount	1,426		1,450
All Other [Member]
Purchased loans [Abstract]
Total carrying amount	$ 292		$ 286

LOANS, Past Due and Non-perform

LOANS, Past Due and Non-performing Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2018	Dec. 31, 2017
Past due and non-performing loans [Abstract]
Principal owed on non-accrual loans	$ 16,914	$ 16,962
Recorded investment in non-accrual loans	15,314	15,246
Loans past due over 90 days, still accruing	678	3,391
Residential Real Estate [Member]
Past due and non-performing loans [Abstract]
Principal owed on non-accrual loans	3,638	2,944
Recorded investment in non-accrual loans	2,981	2,422
Loans past due over 90 days, still accruing	285	869
Multifamily Real Estate [Member]
Past due and non-performing loans [Abstract]
Principal owed on non-accrual loans	2,074	2,128
Recorded investment in non-accrual loans	2,061	2,128
Loans past due over 90 days, still accruing	366	334
Commercial Real Estate [Member] | Owner Occupied [Member]
Past due and non-performing loans [Abstract]
Principal owed on non-accrual loans	2,732	2,623
Recorded investment in non-accrual loans	2,579	2,483
Loans past due over 90 days, still accruing	0	134
Commercial Real Estate [Member] | Non-Owner Occupied [Member]
Past due and non-performing loans [Abstract]
Principal owed on non-accrual loans	1,685	1,862
Recorded investment in non-accrual loans	1,643	1,755
Loans past due over 90 days, still accruing	0	85
Commercial and Industrial [Member]
Past due and non-performing loans [Abstract]
Principal owed on non-accrual loans	1,544	1,313
Recorded investment in non-accrual loans	930	544
Loans past due over 90 days, still accruing	2	1,139
Consumer [Member]
Past due and non-performing loans [Abstract]
Principal owed on non-accrual loans	251	268
Recorded investment in non-accrual loans	223	241
Loans past due over 90 days, still accruing	0	0
Construction and Land [Member]
Past due and non-performing loans [Abstract]
Principal owed on non-accrual loans	4,805	5,824
Recorded investment in non-accrual loans	4,712	5,673
Loans past due over 90 days, still accruing	25	$ 830
All Other [Member]
Past due and non-performing loans [Abstract]
Principal owed on non-accrual loans	185
Recorded investment in non-accrual loans	185
Loans past due over 90 days, still accruing	$ 0

LOANS, Past Due Aging Analysis

LOANS, Past Due Aging Analysis (Details) - USD ($) $ in Thousands	Mar. 31, 2018	Dec. 31, 2017
Aging of recorded investment in past due loans [Abstract]
Total loans	$ 1,028,758	$ 1,049,052
Total past due	15,340	14,708
Loans not past due	1,013,418	1,034,344
30-89 Days Past Due [Member]
Aging of recorded investment in past due loans [Abstract]
Total past due	9,598	6,324
Greater Than 90 Days Past Due [Member]
Aging of recorded investment in past due loans [Abstract]
Total past due	5,742	8,384
Residential Real Estate [Member]
Aging of recorded investment in past due loans [Abstract]
Total loans	342,258	338,829
Total past due	6,576	7,077
Loans not past due	335,682	331,752
Residential Real Estate [Member] | 30-89 Days Past Due [Member]
Aging of recorded investment in past due loans [Abstract]
Total past due	4,919	5,242
Residential Real Estate [Member] | Greater Than 90 Days Past Due [Member]
Aging of recorded investment in past due loans [Abstract]
Total past due	1,657	1,835
Multifamily Real Estate [Member]
Aging of recorded investment in past due loans [Abstract]
Total loans	62,500	62,151
Total past due	2,427	334
Loans not past due	60,073	61,817
Multifamily Real Estate [Member] | 30-89 Days Past Due [Member]
Aging of recorded investment in past due loans [Abstract]
Total past due	2,061	0
Multifamily Real Estate [Member] | Greater Than 90 Days Past Due [Member]
Aging of recorded investment in past due loans [Abstract]
Total past due	366	334
Commercial Real Estate [Member] | Owner Occupied [Member]
Aging of recorded investment in past due loans [Abstract]
Total loans	137,215	136,048
Total past due	1,861	2,095
Loans not past due	135,354	133,953
Commercial Real Estate [Member] | Owner Occupied [Member] | 30-89 Days Past Due [Member]
Aging of recorded investment in past due loans [Abstract]
Total past due	83	311
Commercial Real Estate [Member] | Owner Occupied [Member] | Greater Than 90 Days Past Due [Member]
Aging of recorded investment in past due loans [Abstract]
Total past due	1,778	1,784
Commercial Real Estate [Member] | Non-Owner Occupied [Member]
Aging of recorded investment in past due loans [Abstract]
Total loans	217,603	230,702
Total past due	78	237
Loans not past due	217,525	230,465
Commercial Real Estate [Member] | Non-Owner Occupied [Member] | 30-89 Days Past Due [Member]
Aging of recorded investment in past due loans [Abstract]
Total past due	78	12
Commercial Real Estate [Member] | Non-Owner Occupied [Member] | Greater Than 90 Days Past Due [Member]
Aging of recorded investment in past due loans [Abstract]
Total past due	0	225
Commercial and Industrial [Member]
Aging of recorded investment in past due loans [Abstract]
Total loans	76,659	78,259
Total past due	2,448	1,734
Loans not past due	74,211	76,525
Commercial and Industrial [Member] | 30-89 Days Past Due [Member]
Aging of recorded investment in past due loans [Abstract]
Total past due	1,583	123
Commercial and Industrial [Member] | Greater Than 90 Days Past Due [Member]
Aging of recorded investment in past due loans [Abstract]
Total past due	865	1,611
Consumer [Member]
Aging of recorded investment in past due loans [Abstract]
Total loans	27,924	28,293
Total past due	313	579
Loans not past due	27,611	27,714
Consumer [Member] | 30-89 Days Past Due [Member]
Aging of recorded investment in past due loans [Abstract]
Total past due	234	492
Consumer [Member] | Greater Than 90 Days Past Due [Member]
Aging of recorded investment in past due loans [Abstract]
Total past due	79	87
Construction and Land [Member]
Aging of recorded investment in past due loans [Abstract]
Total loans	129,083	139,012
Total past due	1,446	2,652
Loans not past due	127,637	136,360
Construction and Land [Member] | 30-89 Days Past Due [Member]
Aging of recorded investment in past due loans [Abstract]
Total past due	634	144
Construction and Land [Member] | Greater Than 90 Days Past Due [Member]
Aging of recorded investment in past due loans [Abstract]
Total past due	812	2,508
All Other [Member]
Aging of recorded investment in past due loans [Abstract]
Total loans	35,516	35,758
Total past due	191	0
Loans not past due	35,325	35,758
All Other [Member] | 30-89 Days Past Due [Member]
Aging of recorded investment in past due loans [Abstract]
Total past due	6	0
All Other [Member] | Greater Than 90 Days Past Due [Member]
Aging of recorded investment in past due loans [Abstract]
Total past due	$ 185	$ 0

LOANS, Allowance for Loan Losse

LOANS, Allowance for Loan Losses and Recorded Investment in Loans by Portfolio Segment Based on Impairment Method (Details) - USD ($) $ in Thousands	Mar. 31, 2018	Dec. 31, 2017	Mar. 31, 2017	Dec. 31, 2016
Allowance for Loan Losses [Abstract]
Individually evaluated for impairment, allowance for loan losses	$ 2,010	$ 1,402
Collectively evaluated for impairment, allowance for loan losses	10,830	10,602
Total allowance for loan losses	12,840	12,104	$ 10,894	$ 10,836
Loans Balances [Abstract]
Individually evaluated for impairment, loan balances	21,050	24,931
Collectively evaluated for impairment, loan balances	1,003,230	1,019,345
Total loans	1,028,758	1,049,052
Acquired with Deteriorated Credit Quality [Member]
Allowance for Loan Losses [Abstract]
Total allowance for loan losses	0	100
Loans Balances [Abstract]
Individually evaluated for impairment, loan balances		199
Total loans	4,478	4,776
Residential Real Estate [Member]
Allowance for Loan Losses [Abstract]
Individually evaluated for impairment, allowance for loan losses	0	0
Collectively evaluated for impairment, allowance for loan losses	2,262	2,986
Total allowance for loan losses	2,262	2,986	2,977	2,948
Loans Balances [Abstract]
Individually evaluated for impairment, loan balances	299	308
Collectively evaluated for impairment, loan balances	340,667	337,200
Total loans	342,258	338,829
Residential Real Estate [Member] | Acquired with Deteriorated Credit Quality [Member]
Allowance for Loan Losses [Abstract]
Total allowance for loan losses	0	0
Loans Balances [Abstract]
Total loans	1,292	1,321
Multifamily Real Estate [Member]
Allowance for Loan Losses [Abstract]
Individually evaluated for impairment, allowance for loan losses	151	218
Collectively evaluated for impairment, allowance for loan losses	496	760
Total allowance for loan losses	647	978	770	785
Loans Balances [Abstract]
Individually evaluated for impairment, loan balances	2,427	2,462
Collectively evaluated for impairment, loan balances	60,073	59,689
Total loans	62,500	62,151
Multifamily Real Estate [Member] | Acquired with Deteriorated Credit Quality [Member]
Allowance for Loan Losses [Abstract]
Total allowance for loan losses	0	0
Loans Balances [Abstract]
Total loans	0	0
Commercial Real Estate [Member] | Owner Occupied [Member]
Allowance for Loan Losses [Abstract]
Individually evaluated for impairment, allowance for loan losses	407	307
Collectively evaluated for impairment, allowance for loan losses	1,409	1,346
Total allowance for loan losses	1,816	1,653	1,576	1,543
Loans Balances [Abstract]
Individually evaluated for impairment, loan balances	3,255	3,314
Collectively evaluated for impairment, loan balances	132,501	131,226
Total loans	137,215	136,048
Commercial Real Estate [Member] | Owner Occupied [Member] | Acquired with Deteriorated Credit Quality [Member]
Allowance for Loan Losses [Abstract]
Total allowance for loan losses	0	0
Loans Balances [Abstract]
Total loans	1,459	1,508
Commercial Real Estate [Member] | Non-Owner Occupied [Member]
Allowance for Loan Losses [Abstract]
Individually evaluated for impairment, allowance for loan losses	86	88
Collectively evaluated for impairment, allowance for loan losses	2,101	2,225
Total allowance for loan losses	2,187	2,313	2,422	2,350
Loans Balances [Abstract]
Individually evaluated for impairment, loan balances	9,463	11,578
Collectively evaluated for impairment, loan balances	208,140	219,124
Total loans	217,603	230,702
Commercial Real Estate [Member] | Non-Owner Occupied [Member] | Acquired with Deteriorated Credit Quality [Member]
Allowance for Loan Losses [Abstract]
Total allowance for loan losses	0	0
Loans Balances [Abstract]
Total loans	0	0
Commercial and Industrial [Member]
Allowance for Loan Losses [Abstract]
Individually evaluated for impairment, allowance for loan losses	282	104
Collectively evaluated for impairment, allowance for loan losses	1,369	897
Total allowance for loan losses	1,651	1,101	1,129	1,140
Loans Balances [Abstract]
Individually evaluated for impairment, loan balances	1,393	1,304
Collectively evaluated for impairment, loan balances	75,257	76,744
Total loans	76,659	78,259
Commercial and Industrial [Member] | Acquired with Deteriorated Credit Quality [Member]
Allowance for Loan Losses [Abstract]
Total allowance for loan losses	0	100
Loans Balances [Abstract]
Total loans	9	211
Consumer [Member]
Allowance for Loan Losses [Abstract]
Individually evaluated for impairment, allowance for loan losses	0	0
Collectively evaluated for impairment, allowance for loan losses	369	328
Total allowance for loan losses	369	328	370	347
Loans Balances [Abstract]
Individually evaluated for impairment, loan balances	0	0
Collectively evaluated for impairment, loan balances	27,924	28,293
Total loans	27,924	28,293
Consumer [Member] | Acquired with Deteriorated Credit Quality [Member]
Allowance for Loan Losses [Abstract]
Total allowance for loan losses	0	0
Loans Balances [Abstract]
Total loans	0	0
Construction and Land [Member]
Allowance for Loan Losses [Abstract]
Individually evaluated for impairment, allowance for loan losses	1,084	685
Collectively evaluated for impairment, allowance for loan losses	2,218	1,723
Total allowance for loan losses	3,302	2,408	1,318	1,397
Loans Balances [Abstract]
Individually evaluated for impairment, loan balances	3,925	5,672
Collectively evaluated for impairment, loan balances	123,732	131,890
Total loans	129,083	139,012
Construction and Land [Member] | Acquired with Deteriorated Credit Quality [Member]
Allowance for Loan Losses [Abstract]
Total allowance for loan losses	0	0
Loans Balances [Abstract]
Total loans	1,426	1,450
All Other [Member]
Allowance for Loan Losses [Abstract]
Individually evaluated for impairment, allowance for loan losses	0	0
Collectively evaluated for impairment, allowance for loan losses	606	337
Total allowance for loan losses	606	337	$ 332	$ 326
Loans Balances [Abstract]
Individually evaluated for impairment, loan balances	288	293
Collectively evaluated for impairment, loan balances	34,936	35,179
Total loans	35,516	35,758
All Other [Member] | Acquired with Deteriorated Credit Quality [Member]
Allowance for Loan Losses [Abstract]
Total allowance for loan losses	0	0
Loans Balances [Abstract]
Total loans	$ 292	$ 286

LOANS, Individually Evaluated F

LOANS, Individually Evaluated For Impairment (Details) - USD ($) $ in Thousands	Mar. 31, 2018	Dec. 31, 2017
Financing Receivable, Impaired [Line Items]
Purchased financing receivable individually evaluated for impairment	$ 21,050	$ 24,931
Loans individually evaluated for impairment [Abstract]
Unpaid principal balance with no related allowance recorded	12,569	16,643
Unpaid principal balance with an allowance recorded	9,345	9,585
Unpaid principal balance, total	21,914	26,228
Recorded investment with no related allowance recorded	11,839	15,746
Recorded investment with an allowance recorded	9,211	9,384
Recorded investment, total	21,050	25,130
Allowance for loan losses allocated	2,010	1,502
Acquired with Deteriorated Credit Quality [Member]
Financing Receivable, Impaired [Line Items]
Purchased financing receivable individually evaluated for impairment		199
Residential Real Estate [Member]
Financing Receivable, Impaired [Line Items]
Purchased financing receivable individually evaluated for impairment	299	308
Loans individually evaluated for impairment [Abstract]
Unpaid principal balance with no related allowance recorded	435	446
Recorded investment with no related allowance recorded	299	308
Multifamily Real Estate [Member]
Financing Receivable, Impaired [Line Items]
Purchased financing receivable individually evaluated for impairment	2,427	2,462
Loans individually evaluated for impairment [Abstract]
Unpaid principal balance with no related allowance recorded	366	334
Unpaid principal balance with an allowance recorded	2,073	2,128
Recorded investment with no related allowance recorded	366	334
Recorded investment with an allowance recorded	2,061	2,128
Allowance for loan losses allocated	151	218
Commercial Real Estate [Member] | Owner Occupied [Member]
Financing Receivable, Impaired [Line Items]
Purchased financing receivable individually evaluated for impairment	3,255	3,314
Loans individually evaluated for impairment [Abstract]
Unpaid principal balance with no related allowance recorded	2,381	2,451
Unpaid principal balance with an allowance recorded	895	895
Recorded investment with no related allowance recorded	2,379	2,439
Recorded investment with an allowance recorded	876	875
Allowance for loan losses allocated	407	307
Commercial Real Estate [Member] | Non-Owner Occupied [Member]
Financing Receivable, Impaired [Line Items]
Purchased financing receivable individually evaluated for impairment	9,463	11,578
Loans individually evaluated for impairment [Abstract]
Unpaid principal balance with no related allowance recorded	7,445	9,602
Unpaid principal balance with an allowance recorded	2,055	2,072
Recorded investment with no related allowance recorded	7,408	9,506
Recorded investment with an allowance recorded	2,055	2,072
Allowance for loan losses allocated	86	88
Commercial and Industrial [Member]
Financing Receivable, Impaired [Line Items]
Purchased financing receivable individually evaluated for impairment	1,393	1,304
Loans individually evaluated for impairment [Abstract]
Unpaid principal balance with no related allowance recorded	1,654	1,719
Unpaid principal balance with an allowance recorded	306	466
Recorded investment with no related allowance recorded	1,099	1,188
Recorded investment with an allowance recorded	294	315
Allowance for loan losses allocated	282	204
Consumer [Member]
Financing Receivable, Impaired [Line Items]
Purchased financing receivable individually evaluated for impairment	0	0
Construction and Land [Member]
Financing Receivable, Impaired [Line Items]
Purchased financing receivable individually evaluated for impairment	3,925	5,672
Loans individually evaluated for impairment [Abstract]
Unpaid principal balance with no related allowance recorded		1,798
Unpaid principal balance with an allowance recorded	4,016	4,024
Recorded investment with no related allowance recorded		1,678
Recorded investment with an allowance recorded	3,925	3,994
Allowance for loan losses allocated	1,084	685
All Other [Member]
Financing Receivable, Impaired [Line Items]
Purchased financing receivable individually evaluated for impairment	288	293
Loans individually evaluated for impairment [Abstract]
Unpaid principal balance with no related allowance recorded	288	293
Recorded investment with no related allowance recorded	$ 288	$ 293

LOANS, Average Balance of Loans

LOANS, Average Balance of Loans Individually Evaluated For Impairment (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2018	Mar. 31, 2017
Financing Receivable, Impaired [Line Items]
Average recorded investment	$ 23,090	$ 30,563
Interest income recognized	182	165
Cash basis interest recognized	173	161
Residential Real Estate [Member]
Financing Receivable, Impaired [Line Items]
Average recorded investment	303	356
Interest income recognized	0	1
Cash basis interest recognized	0	1
Multifamily Real Estate [Member]
Financing Receivable, Impaired [Line Items]
Average recorded investment	2,444	13,620
Interest income recognized	9	65
Cash basis interest recognized	0	61
Commercial Real Estate [Member] | Owner Occupied [Member]
Financing Receivable, Impaired [Line Items]
Average recorded investment	3,284	2,770
Interest income recognized	25	6
Cash basis interest recognized	25	6
Commercial Real Estate [Member] | Non-Owner Occupied [Member]
Financing Receivable, Impaired [Line Items]
Average recorded investment	10,521	2,161
Interest income recognized	136	32
Cash basis interest recognized	136	32
Commercial and Industrial [Member]
Financing Receivable, Impaired [Line Items]
Average recorded investment	1,448	1,558
Interest income recognized	8	7
Cash basis interest recognized	8	7
Construction and Land [Member]
Financing Receivable, Impaired [Line Items]
Average recorded investment	4,799	9,789
Interest income recognized	0	54
Cash basis interest recognized	0	54
All Other [Member]
Financing Receivable, Impaired [Line Items]
Average recorded investment	291	309
Interest income recognized	4	0
Cash basis interest recognized	$ 4	$ 0

LOANS, Troubled Debt Restructur

LOANS, Troubled Debt Restructurings (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2018	Mar. 31, 2017	Dec. 31, 2017
Financing Receivable, Modifications [Line Items]
TDR's on Non-accrual	$ 7,022		$ 7,172
Other TDR's	10,516		12,584
Total TDR's	17,538		19,756
Specific reserves allocated to loans that have restructured terms	1,408		1,029
Provision for loan losses on restructured loans	379	$ 0
Commitments to lend additional amounts to borrowers	0		0
Residential Real Estate [Member]
Financing Receivable, Modifications [Line Items]
TDR's on Non-accrual	385		393
Other TDR's	103		107
Total TDR's	488		500
Multifamily Real Estate [Member]
Financing Receivable, Modifications [Line Items]
TDR's on Non-accrual	2,061		2,128
Other TDR's	0		0
Total TDR's	2,061		2,128
Commercial Real Estate [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
TDR's on Non-accrual	601		601
Other TDR's	1,778		1,783
Total TDR's	2,379		2,384
Commercial Real Estate [Member] | Non-Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
TDR's on Non-accrual	0		0
Other TDR's	7,861		9,904
Total TDR's	7,861		9,904
Commercial and Industrial [Member]
Financing Receivable, Modifications [Line Items]
TDR's on Non-accrual	50		56
Other TDR's	486		497
Total TDR's	536		553
Construction and Land [Member]
Financing Receivable, Modifications [Line Items]
TDR's on Non-accrual	3,925		3,994
Other TDR's	0		0
Total TDR's	3,925		3,994
All Other [Member]
Financing Receivable, Modifications [Line Items]
TDR's on Non-accrual	0		0
Other TDR's	288		293
Total TDR's	$ 288		$ 293

LOANS, TDR Modified During Peri

LOANS, TDR Modified During Period (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2018USD ($)Loan	Mar. 31, 2017USD ($)Loan
LOANS [Abstract]
Number of loans | Loan	0	0
TDR's with payment defaults within 12 months after modification | $	$ 0	$ 0

LOANS, Risk Category of Loans b

LOANS, Risk Category of Loans by Class of Loans, Credit Quality Indicators (Details) - USD ($) $ in Thousands	Mar. 31, 2018	Dec. 31, 2017
Financing Receivable, Recorded Investment [Line Items]
Loans	$ 1,028,758	$ 1,049,052
Residential Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	342,258	338,829
Multifamily Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	62,500	62,151
Commercial Real Estate [Member] | Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	137,215	136,048
Commercial Real Estate [Member] | Non-Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	217,603	230,702
Commercial and Industrial [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	76,659	78,259
Consumer [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	27,924	28,293
Construction and Land [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	129,083	139,012
All Other [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	35,516	35,758
Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	966,772	981,350
Pass [Member] | Residential Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	331,733	327,185
Pass [Member] | Multifamily Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	56,527	55,084
Pass [Member] | Commercial Real Estate [Member] | Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	125,500	124,244
Pass [Member] | Commercial Real Estate [Member] | Non-Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	205,528	216,079
Pass [Member] | Commercial and Industrial [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	68,237	70,078
Pass [Member] | Consumer [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	27,563	27,889
Pass [Member] | Construction and Land [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	117,514	126,323
Pass [Member] | All Other [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	34,170	34,468
Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	22,433	24,743
Special Mention [Member] | Residential Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	1,043	667
Special Mention [Member] | Multifamily Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	3,546	4,605
Special Mention [Member] | Commercial Real Estate [Member] | Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	5,121	4,937
Special Mention [Member] | Commercial Real Estate [Member] | Non-Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	1,943	2,428
Special Mention [Member] | Commercial and Industrial [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	4,598	5,851
Special Mention [Member] | Consumer [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Special Mention [Member] | Construction and Land [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	5,310	5,460
Special Mention [Member] | All Other [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	872	795
Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	39,552	42,958
Substandard [Member] | Residential Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	9,481	10,976
Substandard [Member] | Multifamily Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	2,427	2,462
Substandard [Member] | Commercial Real Estate [Member] | Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	6,594	6,867
Substandard [Member] | Commercial Real Estate [Member] | Non-Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	10,132	12,195
Substandard [Member] | Commercial and Industrial [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	3,824	2,330
Substandard [Member] | Consumer [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	361	404
Substandard [Member] | Construction and Land [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	6,259	7,229
Substandard [Member] | All Other [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	474	495
Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	1	1
Doubtful [Member] | Residential Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	1	1
Doubtful [Member] | Multifamily Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Doubtful [Member] | Commercial Real Estate [Member] | Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Doubtful [Member] | Commercial Real Estate [Member] | Non-Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Doubtful [Member] | Commercial and Industrial [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Doubtful [Member] | Consumer [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Doubtful [Member] | Construction and Land [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Doubtful [Member] | All Other [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	$ 0	$ 0

STOCKHOLDERS' EQUITY AND REGU39

STOCKHOLDERS' EQUITY AND REGULATORY MATTERS (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2018	Dec. 31, 2017
STOCKHOLDERS' EQUITY AND REGULATORY MATTERS [Abstract]
Number of previous years retained profit taken for dividend calculation	2 years
Funds available for dividends without prior approval	$ 7.7
Common Equity Tier 1 Capital (to Risk-Weighted Assets)	14.60%	13.90%
Common Equity Tier 1 Capital (to Risk-Weighted Assets), Regulatory Minimum Requirements	4.50%
Common Equity Tier 1 Capital (to Risk-Weighted Assets), To Be Considered Well Capitalized	6.50%
Tier I Capital (to Risk-Weighted Assets)	15.20%	14.40%
Tier I Capital (to Risk-Weighted Assets), Regulatory Minimum Requirements	6.00%
Tier I Capital (to Risk-Weighted Assets), To Be Considered Well Capitalized	8.00%
Total Capital (to Risk-Weighted Assets)	16.40%	15.60%
Total Capital (to Risk-Weighted Assets), Regulatory Minimum Requirements	8.00%
Total Capital (to Risk-Weighted Assets), To Be Considered Well Capitalized	10.00%
Tier I Capital (to Average Assets)	10.90%	10.70%
Tier I Capital (to Average Assets), Regulatory Minimum Requirements	4.00%
Tier I Capital (to Average Assets), To Be Considered Well Capitalized	5.00%
Capital conservation buffer	8.44%	7.56%

STOCK COMPENSATION EXPENSE (Det

STOCK COMPENSATION EXPENSE (Details) - USD ($) $ / shares in Units, $ in Thousands	Mar. 21, 2018	Mar. 15, 2017	Mar. 31, 2018	Mar. 31, 2017
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Compensation expense			$ 27	$ 20
Unrecognized stock-based compensation expense			$ 210
Unrecognized stock-based compensation, period of recognition			35 months
2012 Long Term Incentive Plan [Member] | Stock Options [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Grants (in shares)	54,300	55,500
Grants (in dollar per share)	$ 18.90	$ 19.01
2012 Long Term Incentive Plan [Member] | Granted On March 21 2018 [Member] | Stock Options [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock option vesting periods			3 years
2012 Long Term Incentive Plan [Member] | Granted on March 15, 2017 [Member] | Stock Options [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock option vesting periods			3 years

EARNINGS PER SHARE (Details)

EARNINGS PER SHARE (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2018	Mar. 31, 2017
Basic earnings per share [Abstract]
Income available to common stockholders	$ 5,133	$ 3,664
Weighted average common shares outstanding (in shares)	10,677,100	10,643,078
Earnings per share (in dollars per share)	$ 0.48	$ 0.34
Diluted earnings per share [Abstract]
Income available to common stockholders	$ 5,133	$ 3,664
Weighted average common shares outstanding (in shares)	10,677,100	10,643,078
Add dilutive effects of potential additional common stock (in shares)	62,260	78,390
Weighted average common and dilutive potential common shares outstanding (in shares)	10,739,360	10,721,468
Earnings per share assuming dilution (in dollars per share)	$ 0.48	$ 0.34
Stock Options [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Securities not considered in computing diluted earnings per share (in shares)	106,050	0

FAIR VALUE, Carrying Amount and

FAIR VALUE, Carrying Amount and Estimated Fair Value of Financial Instruments (Details) - USD ($) $ in Thousands	Mar. 31, 2018	Dec. 31, 2017
Financial assets [Abstract]
Securities available for sale	$ 281,088	$ 278,466
Carrying Amount [Member]
Financial assets [Abstract]
Cash and due from banks	124,813	78,005
Time deposits with other banks	2,582	2,582
Federal funds sold	15,348	4,658
Securities available for sale	281,088	278,466
Loans, net	1,015,918	1,036,948
Federal Home Loan Bank stock	3,185	3,185
Interest receivable	3,701	4,043
Financial liabilities [Abstract]
Deposits	(1,303,195)	(1,272,675)
Securities sold under agreements to repurchase	(20,793)	(23,310)
Other borrowed funds	(4,250)	(5,000)
Subordinated Debt	(5,383)	(5,376)
Interest payable	(407)	(393)
Fair Value [Member]
Financial assets [Abstract]
Cash and due from banks	124,813	78,005
Time deposits with other banks	2,572	2,581
Federal funds sold	15,348	4,658
Securities available for sale	281,088	278,466
Loans, net	1,012,776	1,016,723
Interest receivable	3,701	4,043
Financial liabilities [Abstract]
Deposits	(1,296,805)	(1,267,493)
Securities sold under agreements to repurchase	(20,793)	(23,310)
Other borrowed funds	(4,194)	(4,955)
Subordinated Debt	(5,503)	(5,439)
Interest payable	(407)	(393)
Fair Value [Member] | Level 1 [Member]
Financial assets [Abstract]
Cash and due from banks	124,813	78,005
Time deposits with other banks	0	0
Federal funds sold	15,348	4,658
Securities available for sale	0	0
Loans, net	0	0
Interest receivable	0	0
Financial liabilities [Abstract]
Deposits	(962,506)	(929,202)
Securities sold under agreements to repurchase	0	0
Other borrowed funds	0	0
Subordinated Debt	0	0
Interest payable	(8)	(7)
Fair Value [Member] | Level 2 [Member]
Financial assets [Abstract]
Cash and due from banks	0	0
Time deposits with other banks	2,572	2,581
Federal funds sold	0	0
Securities available for sale	281,088	278,466
Loans, net	0	0
Interest receivable	799	700
Financial liabilities [Abstract]
Deposits	(334,299)	(338,291)
Securities sold under agreements to repurchase	(20,793)	(23,310)
Other borrowed funds	(4,194)	(4,955)
Subordinated Debt	(5,503)	(5,439)
Interest payable	(399)	(386)
Fair Value [Member] | Level 3 [Member]
Financial assets [Abstract]
Cash and due from banks	0	0
Time deposits with other banks	0	0
Federal funds sold	0	0
Securities available for sale	0	0
Loans, net	1,012,776	1,016,723
Interest receivable	2,902	3,343
Financial liabilities [Abstract]
Deposits	0	0
Securities sold under agreements to repurchase	0	0
Other borrowed funds	0	0
Subordinated Debt	0	0
Interest payable	$ 0	$ 0

FAIR VALUE, Assets and Liabilit

FAIR VALUE, Assets and Liabilities Measured at Fair Value on Recurring Basis (Details) - USD ($) $ in Thousands	Mar. 31, 2018	Dec. 31, 2017
Available for sale [Abstract]
Securities available for sale	$ 281,088	$ 278,466
Carrying Value [Member]
Available for sale [Abstract]
Securities available for sale	281,088	278,466
Fair Value [Member]
Available for sale [Abstract]
Securities available for sale	281,088	278,466
Fair Value [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Available for sale [Abstract]
Securities available for sale	0	0
Fair Value [Member] | Significant Other Observable Inputs (Level 2) [Member]
Available for sale [Abstract]
Securities available for sale	281,088	278,466
Fair Value [Member] | Significant Unobservable Inputs (Level 3) [Member]
Available for sale [Abstract]
Securities available for sale	0	0
U.S. Agency MBS - Residential [Member]
Available for sale [Abstract]
Securities available for sale	200,324	196,590
U.S. Agency CMO's - Residential [Member]
Available for sale [Abstract]
Securities available for sale	51,838	51,108
Total Mortgage-Backed Securities of Government Sponsored Agencies [Member]
Available for sale [Abstract]
Securities available for sale	252,162	247,698
U.S. Government Sponsored Agency Securities [Member]
Available for sale [Abstract]
Securities available for sale	17,551	19,134
Obligations of States and Political Subdivisions [Member]
Available for sale [Abstract]
Securities available for sale	11,375	11,634
Recurring [Member] | Carrying Value [Member]
Available for sale [Abstract]
Securities available for sale	281,088	278,466
Recurring [Member] | Fair Value [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Available for sale [Abstract]
Securities available for sale	0	0
Recurring [Member] | Fair Value [Member] | Significant Other Observable Inputs (Level 2) [Member]
Available for sale [Abstract]
Securities available for sale	281,088	278,466
Recurring [Member] | Fair Value [Member] | Significant Unobservable Inputs (Level 3) [Member]
Available for sale [Abstract]
Securities available for sale	0	0
Recurring [Member] | U.S. Agency MBS - Residential [Member] | Carrying Value [Member]
Available for sale [Abstract]
Securities available for sale	200,324	196,590
Recurring [Member] | U.S. Agency MBS - Residential [Member] | Fair Value [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Available for sale [Abstract]
Securities available for sale	0	0
Recurring [Member] | U.S. Agency MBS - Residential [Member] | Fair Value [Member] | Significant Other Observable Inputs (Level 2) [Member]
Available for sale [Abstract]
Securities available for sale	200,324	196,590
Recurring [Member] | U.S. Agency MBS - Residential [Member] | Fair Value [Member] | Significant Unobservable Inputs (Level 3) [Member]
Available for sale [Abstract]
Securities available for sale	0	0
Recurring [Member] | U.S. Agency CMO's - Residential [Member] | Carrying Value [Member]
Available for sale [Abstract]
Securities available for sale	51,838	51,108
Recurring [Member] | U.S. Agency CMO's - Residential [Member] | Fair Value [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Available for sale [Abstract]
Securities available for sale	0	0
Recurring [Member] | U.S. Agency CMO's - Residential [Member] | Fair Value [Member] | Significant Other Observable Inputs (Level 2) [Member]
Available for sale [Abstract]
Securities available for sale	51,838	51,108
Recurring [Member] | U.S. Agency CMO's - Residential [Member] | Fair Value [Member] | Significant Unobservable Inputs (Level 3) [Member]
Available for sale [Abstract]
Securities available for sale	0	0
Recurring [Member] | Total Mortgage-Backed Securities of Government Sponsored Agencies [Member] | Carrying Value [Member]
Available for sale [Abstract]
Securities available for sale	252,162	247,698
Recurring [Member] | Total Mortgage-Backed Securities of Government Sponsored Agencies [Member] | Fair Value [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Available for sale [Abstract]
Securities available for sale	0	0
Recurring [Member] | Total Mortgage-Backed Securities of Government Sponsored Agencies [Member] | Fair Value [Member] | Significant Other Observable Inputs (Level 2) [Member]
Available for sale [Abstract]
Securities available for sale	252,162	247,698
Recurring [Member] | Total Mortgage-Backed Securities of Government Sponsored Agencies [Member] | Fair Value [Member] | Significant Unobservable Inputs (Level 3) [Member]
Available for sale [Abstract]
Securities available for sale	0	0
Recurring [Member] | U.S. Government Sponsored Agency Securities [Member] | Carrying Value [Member]
Available for sale [Abstract]
Securities available for sale	17,551	19,134
Recurring [Member] | U.S. Government Sponsored Agency Securities [Member] | Fair Value [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Available for sale [Abstract]
Securities available for sale	0	0
Recurring [Member] | U.S. Government Sponsored Agency Securities [Member] | Fair Value [Member] | Significant Other Observable Inputs (Level 2) [Member]
Available for sale [Abstract]
Securities available for sale	17,551	19,134
Recurring [Member] | U.S. Government Sponsored Agency Securities [Member] | Fair Value [Member] | Significant Unobservable Inputs (Level 3) [Member]
Available for sale [Abstract]
Securities available for sale	0	0
Recurring [Member] | Obligations of States and Political Subdivisions [Member] | Carrying Value [Member]
Available for sale [Abstract]
Securities available for sale	11,375	11,634
Recurring [Member] | Obligations of States and Political Subdivisions [Member] | Fair Value [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Available for sale [Abstract]
Securities available for sale	0	0
Recurring [Member] | Obligations of States and Political Subdivisions [Member] | Fair Value [Member] | Significant Other Observable Inputs (Level 2) [Member]
Available for sale [Abstract]
Securities available for sale	11,375	11,634
Recurring [Member] | Obligations of States and Political Subdivisions [Member] | Fair Value [Member] | Significant Unobservable Inputs (Level 3) [Member]
Available for sale [Abstract]
Securities available for sale	$ 0	$ 0

FAIR VALUE, Assets and Liabil44

FAIR VALUE, Assets and Liabilities Measured at Fair Value on Nonrecurring Basis (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2018	Mar. 31, 2017	Dec. 31, 2017
Impaired Loans Additional Disclosure [Abstract]
Recorded investment in impaired loans carried at fair value	$ 9,211		$ 9,384
Valuation allowance for impaired loans	2,010		1,502
Impaired collateral dependent loans, provision for loan losses	707	$ 85
Other Real Estate Owned Additional Disclosure [Abstract]
Recorded investment in other real estate owned carried at fair value - gross	1,498		4,082
Valuation allowance for other real estate owned	621		1,441
Write downs	0	$ 39
Multifamily Real Estate [Member]
Impaired Loans Additional Disclosure [Abstract]
Valuation allowance for impaired loans	151		218
Commercial Real Estate [Member] | Owner Occupied [Member]
Impaired Loans Additional Disclosure [Abstract]
Valuation allowance for impaired loans	407		307
Commercial Real Estate [Member] | Non-Owner Occupied [Member]
Impaired Loans Additional Disclosure [Abstract]
Valuation allowance for impaired loans	86		88
Commercial and Industrial [Member]
Impaired Loans Additional Disclosure [Abstract]
Valuation allowance for impaired loans	282		204
Construction and Land [Member]
Impaired Loans Additional Disclosure [Abstract]
Valuation allowance for impaired loans	1,084		685
Nonrecurring [Member] | Carrying Amount [Member]
Assets [Abstract]
Total impaired loans	7,201		7,882
Total OREO	877		2,641
Nonrecurring [Member] | Fair Value [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets [Abstract]
Total impaired loans	0		0
Total OREO	0		0
Nonrecurring [Member] | Fair Value [Member] | Significant Other Observable Inputs (Level 2) [Member]
Assets [Abstract]
Total impaired loans	0		0
Total OREO	0		0
Nonrecurring [Member] | Fair Value [Member] | Significant Unobservable Inputs (Level 3) [Member]
Assets [Abstract]
Total impaired loans	7,201		7,882
Total OREO	877		2,641
Nonrecurring [Member] | Residential Real Estate [Member] | Carrying Amount [Member]
Assets [Abstract]
Total OREO	352		352
Nonrecurring [Member] | Residential Real Estate [Member] | Fair Value [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets [Abstract]
Total OREO	0		0
Nonrecurring [Member] | Residential Real Estate [Member] | Fair Value [Member] | Significant Other Observable Inputs (Level 2) [Member]
Assets [Abstract]
Total OREO	0		0
Nonrecurring [Member] | Residential Real Estate [Member] | Fair Value [Member] | Significant Unobservable Inputs (Level 3) [Member]
Assets [Abstract]
Total OREO	352		352
Nonrecurring [Member] | Multifamily Real Estate [Member] | Carrying Amount [Member]
Assets [Abstract]
Total impaired loans	1,910		1,910
Nonrecurring [Member] | Multifamily Real Estate [Member] | Fair Value [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets [Abstract]
Total impaired loans	0		0
Nonrecurring [Member] | Multifamily Real Estate [Member] | Fair Value [Member] | Significant Other Observable Inputs (Level 2) [Member]
Assets [Abstract]
Total impaired loans	0		0
Nonrecurring [Member] | Multifamily Real Estate [Member] | Fair Value [Member] | Significant Unobservable Inputs (Level 3) [Member]
Assets [Abstract]
Total impaired loans	1,910		1,910
Nonrecurring [Member] | Commercial Real Estate [Member] | Owner Occupied [Member] | Carrying Amount [Member]
Assets [Abstract]
Total impaired loans	469		568
Total OREO	175		175
Nonrecurring [Member] | Commercial Real Estate [Member] | Owner Occupied [Member] | Fair Value [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets [Abstract]
Total impaired loans	0		0
Total OREO	0		0
Nonrecurring [Member] | Commercial Real Estate [Member] | Owner Occupied [Member] | Fair Value [Member] | Significant Other Observable Inputs (Level 2) [Member]
Assets [Abstract]
Total impaired loans	0		0
Total OREO	0		0
Nonrecurring [Member] | Commercial Real Estate [Member] | Owner Occupied [Member] | Fair Value [Member] | Significant Unobservable Inputs (Level 3) [Member]
Assets [Abstract]
Total impaired loans	469		568
Total OREO	175		175
Nonrecurring [Member] | Commercial Real Estate [Member] | Non-Owner Occupied [Member] | Carrying Amount [Member]
Assets [Abstract]
Total impaired loans	1,969		1,984
Total OREO	200		200
Nonrecurring [Member] | Commercial Real Estate [Member] | Non-Owner Occupied [Member] | Fair Value [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets [Abstract]
Total impaired loans	0		0
Total OREO	0		0
Nonrecurring [Member] | Commercial Real Estate [Member] | Non-Owner Occupied [Member] | Fair Value [Member] | Significant Other Observable Inputs (Level 2) [Member]
Assets [Abstract]
Total impaired loans	0		0
Total OREO	0		0
Nonrecurring [Member] | Commercial Real Estate [Member] | Non-Owner Occupied [Member] | Fair Value [Member] | Significant Unobservable Inputs (Level 3) [Member]
Assets [Abstract]
Total impaired loans	1,969		1,984
Total OREO	200		200
Nonrecurring [Member] | Commercial and Industrial [Member] | Carrying Amount [Member]
Assets [Abstract]
Total impaired loans	12		111
Nonrecurring [Member] | Commercial and Industrial [Member] | Fair Value [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets [Abstract]
Total impaired loans	0		0
Nonrecurring [Member] | Commercial and Industrial [Member] | Fair Value [Member] | Significant Other Observable Inputs (Level 2) [Member]
Assets [Abstract]
Total impaired loans	0		0
Nonrecurring [Member] | Commercial and Industrial [Member] | Fair Value [Member] | Significant Unobservable Inputs (Level 3) [Member]
Assets [Abstract]
Total impaired loans	12		111
Nonrecurring [Member] | Construction and Land [Member] | Carrying Amount [Member]
Assets [Abstract]
Total impaired loans	2,841		3,309
Total OREO	150		1,914
Nonrecurring [Member] | Construction and Land [Member] | Fair Value [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets [Abstract]
Total impaired loans	0		0
Total OREO	0		0
Nonrecurring [Member] | Construction and Land [Member] | Fair Value [Member] | Significant Other Observable Inputs (Level 2) [Member]
Assets [Abstract]
Total impaired loans	0		0
Total OREO	0		0
Nonrecurring [Member] | Construction and Land [Member] | Fair Value [Member] | Significant Unobservable Inputs (Level 3) [Member]
Assets [Abstract]
Total impaired loans	2,841		3,309
Total OREO	$ 150		$ 1,914

FAIR VALUE, Asset Quantitative

FAIR VALUE, Asset Quantitative Information (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2018	Dec. 31, 2017
Impaired Loans [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value	$ 7,201	$ 7,882
Impaired Loans [Member] | Multifamily Real Estate [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value	$ 1,910	$ 1,910
Impaired Loans [Member] | Multifamily Real Estate [Member] | Sales Comparison [Member] | Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustment for estimated realizable value	46.00%	46.00%
Impaired Loans [Member] | Multifamily Real Estate [Member] | Sales Comparison [Member] | Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustment for estimated realizable value	46.70%	46.70%
Impaired Loans [Member] | Multifamily Real Estate [Member] | Sales Comparison [Member] | Weighted Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustment for estimated realizable value	46.40%	46.40%
Impaired Loans [Member] | Commercial Real Estate [Member] | Owner Occupied [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value	$ 469	$ 568
Impaired Loans [Member] | Commercial Real Estate [Member] | Owner Occupied [Member] | Sales Comparison [Member] | Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustment for estimated realizable value	36.90%	23.10%
Impaired Loans [Member] | Commercial Real Estate [Member] | Owner Occupied [Member] | Sales Comparison [Member] | Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustment for estimated realizable value	36.90%	23.10%
Impaired Loans [Member] | Commercial Real Estate [Member] | Owner Occupied [Member] | Sales Comparison [Member] | Weighted Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustment for estimated realizable value	36.90%	23.10%
Impaired Loans [Member] | Commercial Real Estate [Member] | Non-Owner Occupied [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value	$ 1,969	$ 1,984
Impaired Loans [Member] | Commercial Real Estate [Member] | Non-Owner Occupied [Member] | Income Approach [Member] | Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustment for differences in net operating income expectations	67.00%	67.40%
Impaired Loans [Member] | Commercial Real Estate [Member] | Non-Owner Occupied [Member] | Income Approach [Member] | Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustment for differences in net operating income expectations	67.00%	67.40%
Impaired Loans [Member] | Commercial Real Estate [Member] | Non-Owner Occupied [Member] | Income Approach [Member] | Weighted Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustment for differences in net operating income expectations	67.00%	67.40%
Impaired Loans [Member] | Commercial and Industrial [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value	$ 12	$ 111
Impaired Loans [Member] | Commercial and Industrial [Member] | Sales Comparison [Member] | Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustment for estimated realizable value	8.00%	8.00%
Impaired Loans [Member] | Commercial and Industrial [Member] | Sales Comparison [Member] | Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustment for estimated realizable value	8.00%	71.10%
Impaired Loans [Member] | Commercial and Industrial [Member] | Sales Comparison [Member] | Weighted Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustment for estimated realizable value	8.00%	64.20%
Impaired Loans [Member] | Construction and Land [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value	$ 2,841	$ 3,309
Impaired Loans [Member] | Construction and Land [Member] | Sales Comparison [Member] | Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustment for percentage of completion of construction	38.00%	27.70%
Impaired Loans [Member] | Construction and Land [Member] | Sales Comparison [Member] | Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustment for percentage of completion of construction	38.00%	27.70%
Impaired Loans [Member] | Construction and Land [Member] | Sales Comparison [Member] | Weighted Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustment for percentage of completion of construction	27.70%	27.70%
Other Real Estate Owned [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value	$ 877	$ 2,641
Other Real Estate Owned [Member] | Residential Real Estate [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value	$ 352	$ 352
Other Real Estate Owned [Member] | Residential Real Estate [Member] | Sales Comparison [Member] | Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustment for estimated realizable value	8.80%	8.80%
Other Real Estate Owned [Member] | Residential Real Estate [Member] | Sales Comparison [Member] | Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustment for estimated realizable value	50.20%	50.20%
Other Real Estate Owned [Member] | Residential Real Estate [Member] | Sales Comparison [Member] | Weighted Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustment for estimated realizable value	20.00%	20.00%
Other Real Estate Owned [Member] | Commercial Real Estate [Member] | Owner Occupied [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value	$ 175	$ 175
Other Real Estate Owned [Member] | Commercial Real Estate [Member] | Owner Occupied [Member] | Sales Comparison [Member] | Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustment for estimated realizable value	21.80%	21.80%
Other Real Estate Owned [Member] | Commercial Real Estate [Member] | Owner Occupied [Member] | Sales Comparison [Member] | Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustment for estimated realizable value	21.80%	21.80%
Other Real Estate Owned [Member] | Commercial Real Estate [Member] | Owner Occupied [Member] | Sales Comparison [Member] | Weighted Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustment for estimated realizable value	21.80%	21.80%
Other Real Estate Owned [Member] | Commercial Real Estate [Member] | Non-Owner Occupied [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value	$ 200	$ 200
Other Real Estate Owned [Member] | Commercial Real Estate [Member] | Non-Owner Occupied [Member] | Sales Comparison [Member] | Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustment for estimated realizable value	58.90%	58.90%
Other Real Estate Owned [Member] | Commercial Real Estate [Member] | Non-Owner Occupied [Member] | Sales Comparison [Member] | Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustment for estimated realizable value	58.90%	58.90%
Other Real Estate Owned [Member] | Commercial Real Estate [Member] | Non-Owner Occupied [Member] | Sales Comparison [Member] | Weighted Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustment for estimated realizable value	58.90%	58.90%
Other Real Estate Owned [Member] | Construction and Land [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value	$ 150	$ 1,914
Other Real Estate Owned [Member] | Construction and Land [Member] | Sales Comparison [Member] | Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustment for estimated realizable value	50.30%	25.20%
Other Real Estate Owned [Member] | Construction and Land [Member] | Sales Comparison [Member] | Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustment for estimated realizable value	50.30%	69.00%
Other Real Estate Owned [Member] | Construction and Land [Member] | Sales Comparison [Member] | Weighted Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustment for estimated realizable value	50.30%	27.80%

SUBSEQUENT EVENT (Details)

SUBSEQUENT EVENT (Details) - Subsequent Event [Member] $ / shares in Units, shares in Thousands, $ in Millions	Apr. 18, 2018USD ($)$ / sharesshares
Subsequent Event [Line Items]
Cash to be issued in acquisition (in dollars per share)	$ 5
Closing price (in dollars per share)	$ 19.73
First Bank of Charleston, Inc [Member]
Subsequent Event [Line Items]
Assets to be acquired | $	$ 189
Consideration to be transferred | $	$ 33
Price of common stock and cash to be issued (in dollars per share)	$ 32
Special dividend to be issued in acquisition (in dollars per share)	$ 5
Number of shares to be issued in acquisition (in shares) | shares	1,150