IMPACT OF COVID-19	3 Months Ended
Mar. 31, 2020
Covid-19
Unusual or Infrequent Item, or Both [Line Items]
Impact of Covid-19	NOTE 16 – IMPACT OF COVID-19 The COVID-19 Pandemic Will Have an Uncertain Impact on the Company's Financial Condition and Results of Operations The COVID-19 pandemic has resulted in widespread infections in the United States beginning in the first quarter of 2020 and may continue for some time. The spread of the outbreak has disrupted the United States economy and is likely to disrupt banking and other financial activity in the market areas in which the Company does business. Regions and states of the United States of America have implemented varying degrees of "stay at home" directives in an effort to prevent the spread of the virus. In response to the pandemic, the Federal Reserve has engaged in significant levels of monetary policy to provide liquidity and credit facilities to the financial markets. On March 15, 2020, the Federal Open Market Committee ("FOMC") reduced the target range for the federal funds rate to 0 to 0.25 percent; relatedly, the FOMC reduced the interest rate paid on required and excess reserve balances to 0.10 percent effective March 16, 2020, all of which may negatively impact net interest income. In response to the pandemic, the United States federal government enacted the Coronavirus Aid, Relief, and Economic Security Act (the "CARES Act") on March 27, 2020. The CARES Act is expected to provide an estimated $2 trillion in fiscal stimulus to the United States economy. The extent of the spread of the coronavirus, its ultimate containment and its effects on the economy and the Company are uncertain at this time. The effectiveness of the Federal Reserve Bank's monetary policies and the federal government's fiscal policies in stimulating the United States economy is also uncertain at this time. The CARES Act includes a provision for the Company to opt out of applying the “troubled-debt restructuring” (TDR) accounting guidance in ASC 310-40 for certain loan modifications. Loan modifications made between March 1, 2020 and the earlier of i) December 30, 2020 or ii) 60 days after the President declares a termination of the COVID-19 national emergency are eligible for this relief if the related loans were not more than 30 days past due as of December 31, 2019. At March 1, 2020, the Company adopted the provision set forth in ASC 310-40 to opt out of applying the TDR for certain loan modifications. Additionally as of the date of this report, the Company has granted payment deferrals totaling $125.1 million for 129 commercial and residential loans. While the Company continues to evaluate the disruption caused by the pandemic and the impact of the CARES Act, these events may have a material adverse impact on the Company’s results of operations, financial position, capital and liquidity in fiscal year 2020. Further, a decrease in results of operations may place a strain on the Company’s capital reserve ratios. Management expects the Company's net interest income and non-interest income to decline and credit-related losses to increase for an uncertain period given the decline in economic activity occurring due to the coronavirus. The magnitude of the impact on the Company's financial results is uncertain. In addition, the Company's future success and profitability substantially depends upon the skills and experience of its executive officers and directors, many of whom have held positions with the Company for many years. The unanticipated loss or unavailability of key employees due to the outbreak could adversely affect the Company's ability to operate its business or execute its business strategy. Any one or a combination of the factors identified above, or other factors, could materially adversely affect the Company's business, financial condition, results of operations and prospects.

NOTE 16 – IMPACT OF COVID-19

The COVID-19 Pandemic Will Have an Uncertain Impact on the Company's Financial Condition and Results of Operations

The COVID-19 pandemic has resulted in widespread infections in the United States beginning in the first quarter of 2020 and may continue for some time. The spread of the outbreak has disrupted the United States economy and is likely to disrupt banking and other financial activity in the market areas in which the Company does business. Regions and states of the United States of America have implemented varying degrees of "stay at home" directives in an effort to prevent the spread of the virus.

In response to the pandemic, the Federal Reserve has engaged in significant levels of monetary policy to provide liquidity and credit facilities to the financial markets. On March 15, 2020, the Federal Open Market Committee ("FOMC") reduced the target range for the federal funds rate to 0 to 0.25 percent; relatedly, the FOMC reduced the interest rate paid on required and excess reserve balances to 0.10 percent effective March 16, 2020, all of which may negatively impact net interest income.

In response to the pandemic, the United States federal government enacted the Coronavirus Aid, Relief, and Economic Security Act (the "CARES Act") on March 27, 2020. The CARES Act is expected to provide an estimated $2 trillion in fiscal stimulus to the United States economy.

The extent of the spread of the coronavirus, its ultimate containment and its effects on the economy and the Company are uncertain at this time. The effectiveness of the Federal Reserve Bank's monetary policies and the federal government's fiscal policies in stimulating the United States economy is also uncertain at this time.

The CARES Act includes a provision for the Company to opt out of applying the “troubled-debt restructuring” (TDR) accounting guidance in ASC 310-40 for certain loan modifications. Loan modifications made between March 1, 2020 and the earlier of i) December 30, 2020 or ii) 60 days after the President declares a termination of the COVID-19 national emergency are eligible for this relief if the related loans were not more than 30 days past due as of December 31, 2019. At March 1, 2020, the Company adopted the provision set forth in ASC 310-40 to opt out of applying the TDR for certain loan modifications.

Additionally as of the date of this report, the Company has granted payment deferrals totaling $125.1 million for 129 commercial and residential loans.

While the Company continues to evaluate the disruption caused by the pandemic and the impact of the CARES Act, these events may have a material adverse impact on the Company’s results of operations, financial position, capital and liquidity in fiscal year 2020. Further, a decrease in results of operations may place a strain on the Company’s capital reserve ratios.

Management expects the Company's net interest income and non-interest income to decline and credit-related losses to increase for an uncertain period given the decline in economic activity occurring due to the coronavirus. The magnitude of the impact on the Company's financial results is uncertain.

In addition, the Company's future success and profitability substantially depends upon the skills and experience of its executive officers and directors, many of whom have held positions with the Company for many years. The unanticipated loss or unavailability of key employees due to the outbreak could adversely affect the Company's ability to operate its business or execute its business strategy.

Any one or a combination of the factors identified above, or other factors, could materially adversely affect the Company's business, financial condition, results of operations and prospects.