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SUMMARY OF SIGNIFICANT ACCOUNTING AND REPORTING POLICIES (Tables)
12 Months Ended
Dec. 31, 2020
Accounting Policies [Abstract]  
Schedule of Change in Accounting Estimate
The following table reflects the impact of ASU 2016-13 on our allowances for credit losses as of January 1, 2020, the date of adoption:
January 1, 2020
Pre-AdoptionImpact of AdoptionPost-Adoption
ASSETS
Allowance for loan losses
Loans:
Real estate loans:
Construction$3,539 $2,953 $6,492 
1-4 family residential3,833 (1,453)2,380 
Commercial9,572 8,063 17,635 
Commercial loans6,351 (3,554)2,797 
Municipal loans570 (522)48 
Loans to individuals932 (184)748 
Allowance for loan losses$24,797 $5,303 $30,100 
LIABILITIES
Allowance for off-balance-sheet credit exposures$1,455 $4,840 $6,295