LOANS - Composition of loans receivable and loans held-for-sale (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Loans receivable, net	$ 909,279	$ 801,703
Total
Residential 1-4 family	345,862	317,639
Residential 5+ multifamily	36,510	18,108
Construction of residential 1-4 family	12,041	11,197
Home equity lines of credit	34,433	33,771
Residential real estate	428,846	380,715
Commercial	283,599	249,311
Construction of commercial	8,976	9,988
Commercial real estate	292,575	259,299
Farm land	4,185	4,274
Vacant land	8,322	7,883
Real estate secured	733,928	652,171
Commercial and industrial	162,905	132,731
Municipal	14,344	17,494
Consumer	4,512	4,794
Loans receivable, gross	915,689	807,190
Deferred loan origination fees and costs, net	1,421	1,289
Allowance for loan losses	(7,831)	(6,776)
Loans receivable, net	909,279	801,703
Loans held-for-sale
Residential 1-4 family		$ 669

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The reserve to cover probable credit losses related to specifically identified fixed maturity real estate loans as well as probable credit losses inherent in the remainder of that loan portfolio.

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Amount, after accumulated amortization, of debt issuance costs. Includes, but is not limited to, legal, accounting, underwriting, printing, and registration costs.

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The fair value as of the balance sheet date of firm holdings in fixed income obligations issued by state and local governments and authorities. Includes both pledged (to counterparties as collateral for financing transactions) and unpledged holdings.

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The net carrying amount as of the balance sheet date of the sum of the various components of an operative builder's inventory, including finished homes. Operative builders primarily consist of entities that develop land, construct residential homes and commercial and industrial buildings thereon, and sell them to home buyers and operators of the commercial and industrial properties.

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Total of (1) improvements, (2) held-for-sale, (3) land and land under development, (4) construction-in-process, (5) mortgage loans held-in-inventory, and (6) other real estate investments which are considered inventory due to being held for sale or disposition.

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Cost of real estate projects incurred for projects for eventual sale or transfer (condominium or time share projects, vacation clubs).

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Represents properties which were acquired directly or through foreclosure for which a committed plan to sell exists and an active program to market such properties has been initiated.

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Carrying amount as of the balance sheet date, net of valuation allowances and impairment losses, of costs of land expected to be developed in the near term plus capitalized costs of development, for purposes of selling completed units to home buyers or commercial or industrial entities..

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Represents mortgage loans held in inventory primarily for sale to others (third parties, businesses, legal entities) in the ordinary course of business.

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Amount of investment in certain other real estate investments not specifically identified elsewhere in the existing taxonomy.

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Amount before allowance of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans and leases covered under loss sharing agreements.

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Amount before allowance and after deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Excludes loans and leases covered under loss sharing agreements.

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Amount after allowance and deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Excludes loans and leases covered under loss sharing agreements and loans held for sale.

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The balance represents the amount of loans that are secured by real estate mortgages, offset by the reserve to cover probable credit losses on the loan portfolio.

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