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ALLOWANCE FOR CREDIT LOSSES (Tables)
6 Months Ended
Jun. 30, 2020
Loans and Leases Receivable Disclosure [Abstract]  
Changes in the Allowance for Loan and Leases Losses
Changes in the allowance for credit losses on loans for the three- and six- month periods ended June 30, 2020, and June 30, 2019, were as follows, in thousands:
Commercial
and
Industrial
PPPOwner Occupied Commercial Real EstateNon-Owner Occupied Commercial Real EstateReal Estate
Construction
Agricultural and Agricultural Real EstateResidential
Real Estate
ConsumerTotal
Balance at March 31, 2020$32,463  $—  $10,336  $8,321  $22,951  $4,797  $8,725  $9,757  $97,350  
Charge-offs(2,767) —  (213) (19) (84) (1) (235) (245) (3,564) 
Recoveries432  —  191   210  —  92  211  1,144  
Provision2,403  —  13,088  1,852  5,590  905  722  447  25,007  
Balance at June 30, 2020$32,531  $—  $23,402  $10,162  $28,667  $5,701  $9,304  $10,170  $119,937  
Commercial and IndustrialPPPOwner Occupied Commercial Real EstateNon-Owner Occupied Commercial Real EstateReal Estate ConstructionAgricultural and Agricultural
Real Estate
Residential
Real Estate
ConsumerTotal
Balance at December 31, 2019$30,787  $—  $8,214  $7,802  $11,599  $5,673  $1,504  $4,816  $70,395  
Impact of ASU 2016-13 adoption3,147  —  (407) (2,834) 3,413  (380) 4,817  4,315  12,071  
Charge-offs(8,363) —  (213) (19) (105) (254) (314) (597) (9,865) 
Recoveries784  —  192   215  826  95  344  2,464  
Provision6,176  —  15,616  5,205  13,545  (164) 3,202  1,292  44,872  
Balance at June 30, 2020
$32,531  $—  $23,402  $10,162  $28,667  $5,701  $9,304  $10,170  $119,937  

Commercial
and
Industrial
Owner Occupied Commercial Real EstateNon-Owner Occupied Commercial Real EstateReal Estate ConstructionAgricultural and Agricultural Real EstateResidential
Real Estate
ConsumerTotal
Balance at March 31, 2019$27,250  6,330  7,126  9,994  $5,518  $1,623  $4,798  $62,639  
Charge-offs(3,971) (13) —  (101) (48) (201) (446) (4,780) 
Recoveries276   60  124   34  574  1,073  
Provision4,125  (139) 296  (7) 515  136  (8) 4,918  
Balance at June 30, 2019$27,680  $6,182  $7,482  $10,010  $5,986  $1,592  $4,918  $63,850  
Commercial
and
Industrial
Owner Occupied Commercial Real EstateNon-Owner Occupied Commercial Real EstateReal Estate ConstructionAgricultural and Agricultural
Real Estate
Residential
Real Estate
ConsumerTotal
Balance at December 31, 2018$26,306  $6,525  $7,430  $9,679  $4,914  $1,813  $5,296  $61,963  
Charge-offs(4,951) (36) —  (155) (427) (341) (820) (6,730) 
Recoveries584  93  100  128  329  86  744  2,064  
Provision5,741  (400) (48) 358  1,170  34  (302) 6,553  
Balance at June 30, 2019$27,680  $6,182  $7,482  $10,010  $5,986  $1,592  $4,918  $63,850  
Schedule of New Accounting Pronouncements and Changes in Accounting Principles
Changes in the allowance for credit losses on unfunded commitments for the three- and six months ended June 30, 2020, were as follows:
Balance at March 31, 2020$15,468  
Provision1,924  
Balance at June 30, 2020 $17,392  
Balance at December 31, 2019$248  
Impact of ASU 2016-13 adoption13,604  
Provision3,540  
Balance at June 30, 2020
$17,392