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FAIR VALUE (Tables)
 12 Months Ended
Dec. 31, 2017
FAIR VALUE [Abstract]  
Carrying Amounts and Estimated Fair Values of Financial Instruments
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
)

The carrying amounts and estimated fair values of financial instruments at December 31, 2016 were as follows:

     
Fair Value Measurements at December 31, 2016 Using
 
  
Carrying
Amount
  
Level 1
  
Level 2
  
Level 3
  
Total
 
Financial assets
               
Cash and due from banks
 
$
97,163
  
$
97,163
  
$
-
  
$
-
  
$
97,163
 
Time deposits with other banks
  
2,332
   
-
   
2,352
   
-
   
2,352
 
Federal funds sold
  
7,555
   
7,555
   
-
   
-
   
7,555
 
Securities available for sale
  
288,607
   
-
   
288,607
   
-
   
288,607
 
Loans, net
  
1,013,987
   
-
   
-
   
1,004,388
   
1,004,388
 
Federal Home Loan Bank stock
  
3,200
   
n/a
   
n/a
   
n/a
   
n/a
 
Interest receivable
  
3,862
   
-
   
771
   
3,091
   
3,862
 
                     
Financial liabilities
                    
Deposits
 
$
(1,279,386
)
 
$
(920,745
)
 
$
(354,885
)
 
$
-
  
$
(1,275,630
)
Securities sold under agreements to repurchase
  
(23,820
)
  
-
   
(23,820
)
  
-
   
(23,820
)
Other borrowed funds
  
(8,859
)
  
-
   
(8,906
)
  
-
   
(8,906
)
Subordinated debt
  
(5,343
)
  
-
   
(5,341
)
  
-
   
(5,341
)
Interest payable
  
(364
)
  
(7
)
  
(357
)
  
-
   
(364
)
Assets and Liabilities Measured at Fair Value on a Recurring Basis
Assets and liabilities measured at fair value on a 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)
 
Securities 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 recurring basis at December 31, 2016 are summarized below:

     
Fair Value Measurements at
December 31, 2016 Using:
 
  
Carrying Value
  
Quoted Prices in Active Markets for Identical Assets
(Level 1)
  
Significant Other Observable Inputs
(Level 2)
  
Significant Unobservable Inputs
(Level 3)
 
Securities available for sale
            
Mortgage-backed securities
            
U. S. agency MBS - residential
 
$
174,177
  
$
-
  
$
174,177
  
$
-
 
U. S. agency CMO's
  
73,267
   
-
   
73,267
   
-
 
Total mortgage-backed securities of government sponsored agencies
  
247,444
   
-
   
247,444
   
-
 
U. S. government sponsored agency securities
  
24,501
   
-
   
24,501
   
-
 
Obligations of states and political subdivisions
  
16,662
   
-
   
16,662
   
-
 
Total securities available for sale
 
$
288,607
  
$
-
  
$
288,607
  
$
-
 
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 December 31, 2017 are summarized below:

     
Fair Value Measurements at December 31, 2017 Using
 
  
Dec 31, 2017
  
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
 

Assets and liabilities measured at fair value on a non-recurring basis at December 31, 2016 are summarized below:

     
Fair Value Measurements at December 31, 2016 Using
 
  
Dec 31, 2016
  
Quoted Prices in Active Markets for Identical Assets
(Level 1)
  
Significant Other Observable Inputs (Level 2)
  
Significant Unobservable Inputs
(Level 3)
 
Assets:
            
Impaired loans:
            
Commercial real estate
            
Owner occupied
 
$
791
  
$
-
  
$
-
  
$
791
 
Commercial and industrial
  
12
   
-
   
-
   
12
 
Construction and land
  
3,037
   
-
   
-
   
3,037
 
Total impaired loans
 
$
3,840
  
$
-
  
$
-
  
$
3,840
 
                 
Other real estate owned:
                
Residential real estate
 
$
613
  
$
-
  
$
-
  
$
613
 
Commercial real estate
                
Owner occupied
  
175
   
-
   
-
   
175
 
Non-owner occupied
  
2,153
   
-
   
-
   
2,153
 
Construction and land
  
3,683
   
-
   
-
   
3,683
 
Total OREO
 
$
6,624
  
$
-
  
$
-
  
$
6,624
 
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 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
       
 
The significant unobservable inputs related to assets and liabilities measured at fair value on a non-recurring basis at December 31, 2016 are summarized below:

  
December 31, 2016
 
Valuation Techniques
Unobservable Inputs
 
Range (Weighted Avg)
 
Impaired loans:
        
Commercial real estate
        
Owner occupied
 
$
791
 
sales comparison
adjustment for limited salability of specialized property
  
9.3%-76.4% (19.3
%)
Commercial and industrial
  
12
 
sales comparison
adjustment for differences between the comparable sales
  
8.0%-8.0% (8.0
%)
Construction and land
  
3,037
 
sales comparison
adjustment for differences between the comparable sales
  
5.7%-9.0% (8.0
%)
Total impaired loans
 
$
3,840
       
           
Other real estate owned:
          
Residential real estate
 
$
613
 
sales comparison
adjustment for differences between the comparable sales
  
0.7%-86.8% (25.2
%)
           
Commercial real estate
          
Owner occupied
  
175
 
sales comparison
adjustment for differences between the comparable sales
  
21.8%-21.8% (21.8
%)
           
Non-owner occupied
  
2,153
 
sales comparison
adjustment for differences between the comparable sales
  
17.2%-27.6% (25.7
%)
Construction and land
  
3,683
 
sales comparison
adjustment for estimated realizable value
  
15.1%-45.4% (21.8
%)
Total OREO
 
$
6,624