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LOANS, ALLOWANCE FOR LOAN LOSSES AND CREDIT QUALITY (Tables) | 12 Months Ended
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Dec. 31, 2019
Loans, Allowance for Loan Losses and Credit Quality [Abstract] |
Schedule of Allowance for Loan Losses |
| December 31, 2019 |
| Commercial and Industrial |  | Commercial Real Estate |  | Commercial Construction |  | Small Business |  | Residential Real Estate |  | Home Equity |  | Other Consumer |  | Total |
| (Dollars in thousands) |
Allowance for loan losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 15,760 |  |  | $ | 32,370 |  |  | $ | 5,158 |  |  | $ | 1,756 |  |  | $ | 3,219 |  |  | $ | 5,608 |  |  | $ | 422 |  |  | $ | 64,293 |  |
Charge-offs | (244 | ) |  | (2,614 | ) |  | — |  |  | (509 | ) |  | — |  |  | (240 | ) |  | (1,598 | ) |  | (5,205 | ) |
Recoveries | 1,131 |  |  | 152 |  |  | — |  |  | 122 |  |  | 142 |  |  | 318 |  |  | 787 |  |  | 2,652 |  |
Provision (benefit) | 947 |  |  | 3,027 |  |  | 895 |  |  | 377 |  |  | 79 |  |  | (110 | ) |  | 785 |  |  | 6,000 |  |
Ending balance | $ | 17,594 |  |  | $ | 32,935 |  |  | $ | 6,053 |  |  | $ | 1,746 |  |  | $ | 3,440 |  |  | $ | 5,576 |  |  | $ | 396 |  |  | $ | 67,740 |  |
Ending balance: collectively evaluated for impairment | $ | 17,468 |  |  | $ | 32,887 |  |  | $ | 6,053 |  |  | $ | 1,738 |  |  | $ | 2,803 |  |  | $ | 5,420 |  |  | $ | 391 |  |  | $ | 66,760 |  |
Ending balance: individually evaluated for impairment | $ | 126 |  |  | $ | 48 |  |  | $ | — |  |  | $ | 8 |  |  | $ | 637 |  |  | $ | 156 |  |  | $ | 5 |  |  | $ | 980 |  |
Financing receivables ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Collectively evaluated for impairment | $ | 1,370,580 |  |  | $ | 3,987,848 |  |  | $ | 547,293 |  |  | $ | 173,960 |  |  | $ | 1,571,848 |  |  | $ | 1,127,963 |  |  | $ | 29,663 |  |  | $ | 8,809,155 |  |
Individually evaluated for impairment | 24,456 |  |  | 8,337 |  |  | — |  |  | 537 |  |  | 11,228 |  |  | 4,948 |  |  | 122 |  |  | 49,628 |  |
Purchased credit impaired loans | — |  |  | 6,174 |  |  | — |  |  | — |  |  | 7,493 |  |  | 887 |  |  | 302 |  |  | 14,856 |  |
Total loans by group | $ | 1,395,036 |  |  | $ | 4,002,359 |  |  | $ | 547,293 |  |  | $ | 174,497 |  |  | $ | 1,590,569 |  |  | $ | 1,133,798 |  |  | $ | 30,087 |  |  | $ | 8,873,639 |  | (1)
| December 31, 2018 |
| Commercial and Industrial |  | Commercial Real Estate |  | Commercial Construction |  | Small Business |  | Residential Real Estate |  | Home Equity |  | Other Consumer |  | Total |
| (Dollars in thousands) |
Allowance for loan losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 13,256 |  |  | $ | 31,453 |  |  | $ | 5,698 |  |  | $ | 1,577 |  |  | $ | 2,822 |  |  | $ | 5,390 |  |  | $ | 447 |  |  | $ | 60,643 |  |
Charge-offs | (355 | ) |  | (82 | ) |  | — |  |  | (372 | ) |  | (148 | ) |  | (293 | ) |  | (1,347 | ) |  | (2,597 | ) |
Recoveries | 182 |  |  | 188 |  |  | — |  |  | 46 |  |  | 12 |  |  | 156 |  |  | 888 |  |  | 1,472 |  |
Provision (benefit) | 2,677 |  |  | 811 |  |  | (540 | ) |  | 505 |  |  | 533 |  |  | 355 |  |  | 434 |  |  | 4,775 |  |
Ending balance | $ | 15,760 |  |  | $ | 32,370 |  |  | $ | 5,158 |  |  | $ | 1,756 |  |  | $ | 3,219 |  |  | $ | 5,608 |  |  | $ | 422 |  |  | $ | 64,293 |  |
Ending balance: collectively evaluated for impairment | $ | 15,753 |  |  | $ | 32,333 |  |  | $ | 5,158 |  |  | $ | 1,755 |  |  | $ | 2,357 |  |  | $ | 5,444 |  |  | $ | 414 |  |  | $ | 63,214 |  |
Ending balance: individually evaluated for impairment | $ | 7 |  |  | $ | 37 |  |  | $ | — |  |  | $ | 1 |  |  | $ | 862 |  |  | $ | 164 |  |  | $ | 8 |  |  | $ | 1,079 |  |
Financing receivables ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Collectively evaluated for impairment | $ | 1,064,800 |  |  | $ | 3,235,418 |  |  | $ | 365,165 |  |  | $ | 164,135 |  |  | $ | 906,959 |  |  | $ | 1,085,961 |  |  | $ | 15,901 |  |  | $ | 6,838,339 |  |
Individually evaluated for impairment | 28,829 |  |  | 10,839 |  |  | — |  |  | 541 |  |  | 12,706 |  |  | 5,948 |  |  | 197 |  |  | 59,060 |  |
Purchased credit impaired loans | — |  |  | 4,991 |  |  | — |  |  | — |  |  | 3,629 |  |  | 175 |  |  | — |  |  | 8,795 |  |
Total loans by group | $ | 1,093,629 |  |  | $ | 3,251,248 |  |  | $ | 365,165 |  |  | $ | 164,676 |  |  | $ | 923,294 |  |  | $ | 1,092,084 |  |  | $ | 16,098 |  |  | $ | 6,906,194 |  | (1)
| December 31, 2017 |
| Commercial and Industrial |  | Commercial Real Estate |  | Commercial Construction |  | Small Business |  | Residential Real Estate |  | Home Equity |  | Other Consumer |  | Total |
| (Dollars in thousands) |
Allowance for loan losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 16,921 |  |  | $ | 30,369 |  |  | $ | 4,522 |  |  | $ | 1,502 |  |  | $ | 2,621 |  |  | $ | 5,238 |  |  | $ | 393 |  |  | $ | 61,566 |  |
Charge-offs | (3,891 | ) |  | (39 | ) |  | — |  |  | (302 | ) |  | (207 | ) |  | (276 | ) |  | (1,494 | ) |  | (6,209 | ) |
Recoveries | 615 |  |  | 385 |  |  | — |  |  | 114 |  |  | 31 |  |  | 198 |  |  | 993 |  |  | 2,336 |  |
Provision (benefit) | (389 | ) |  | 738 |  |  | 1,176 |  |  | 263 |  |  | 377 |  |  | 230 |  |  | 555 |  |  | 2,950 |  |
Ending balance | $ | 13,256 |  |  | $ | 31,453 |  |  | $ | 5,698 |  |  | $ | 1,577 |  |  | $ | 2,822 |  |  | $ | 5,390 |  |  | $ | 447 |  |  | $ | 60,643 |  |
Ending balance: collectively evaluated for impairment | $ | 13,246 |  |  | $ | 31,411 |  |  | $ | 5,698 |  |  | $ | 1,576 |  |  | $ | 1,815 |  |  | $ | 5,125 |  |  | $ | 430 |  |  | $ | 59,301 |  |
Ending balance: individually evaluated for impairment | $ | 10 |  |  | $ | 42 |  |  | $ | — |  |  | $ | 1 |  |  | $ | 1,007 |  |  | $ | 265 |  |  | $ | 17 |  |  | $ | 1,342 |  |
Financing receivables ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Collectively evaluated for impairment | $ | 853,885 |  |  | $ | 3,093,945 |  |  | $ | 401,797 |  |  | $ | 131,667 |  |  | $ | 733,809 |  |  | $ | 1,045,053 |  |  | $ | 9,573 |  |  | $ | 6,269,729 |  |
Individually evaluated for impairment | 34,643 |  |  | 16,638 |  |  | — |  |  | 703 |  |  | 13,684 |  |  | 6,826 |  |  | 307 |  |  | 72,801 |  |
Purchase credit impaired loans | — |  |  | 5,978 |  |  | — |  |  | — |  |  | 6,836 |  |  | 209 |  |  | — |  |  | 13,023 |  |
Total loans by group | $ | 888,528 |  |  | $ | 3,116,561 |  |  | $ | 401,797 |  |  | $ | 132,370 |  |  | $ | 754,329 |  |  | $ | 1,052,088 |  |  | $ | 9,880 |  |  | $ | 6,355,553 |  | (1)
(1) The amount of net deferred costs on originated loans included in the ending balance was $7.1 million, at December 31, 2019 and 2018 and $6.1 million and at December 31, 2017. Net unamortized discounts on acquired loans not deemed to be PCI included in the ending balance were $21.6 million, $15.2 million and $9.4 million at December 31, 2019, 2018 and 2017, respectively.
Schedule of Internal Risk-Rating Categories for the Company's Commercial Portfolio |
|  |  | December 31, 2019
Category | Risk Rating |  | Commercial and Industrial |  | Commercial Real Estate |  | Commercial Construction |  | Small Business |  | Total
|  |  | (Dollars in thousands)
Pass | 1 - 6 |  | $ | 1,274,155 |  |  | $ | 3,860,555 |  |  | $ | 542,608 |  |  | $ | 171,213 |  |  | $ | 5,848,531 |
Potential weakness | 7 |  | 63,485 |  |  | 97,268 |  |  | 2,247 |  |  | 1,416 |  |  | 164,416 |
Definite weakness - loss unlikely | 8 |  | 57,396 |  |  | 44,536 |  |  | 2,438 |  |  | 1,868 |  |  | 106,238 |
Partial loss probable | 9 |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Definite loss | 10 |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total |  |  | $ | 1,395,036 |  |  | $ | 4,002,359 |  |  | $ | 547,293 |  |  | $ | 174,497 |  |  | $ | 6,119,185 |
|  |  | December 31, 2018
Category | Risk Rating |  | Commercial and Industrial |  | Commercial Real Estate |  | Commercial Construction |  | Small Business |  | Total
|  |  | (Dollars in thousands)
Pass | 1 - 6 |  | $ | 1,014,370 |  |  | $ | 3,156,989 |  |  | $ | 361,884 |  |  | $ | 161,851 |  |  | $ | 4,695,094 |
Potential weakness | 7 |  | 16,860 |  |  | 56,840 |  |  | 298 |  |  | 888 |  |  | 74,886 |
Definite weakness - loss unlikely | 8 |  | 58,909 |  |  | 37,419 |  |  | 2,983 |  |  | 1,937 |  |  | 101,248 |
Partial loss probable | 9 |  | 3,490 |  |  | — |  |  | — |  |  | — |  |  | 3,490 |
Definite loss | 10 |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total |  |  | $ | 1,093,629 |  |  | $ | 3,251,248 |  |  | $ | 365,165 |  |  | $ | 164,676 |  |  | $ | 4,874,718 |
Schedule of Weighted Average FICO Scores and Weighted Average Combined LTV Ratio |
| December 31
| 2019 |  | 2018
Residential portfolio |  |  |
FICO score (re-scored) (1) | 749 |  |  | 749 |
LTV (re-valued) (2) | 59.0 | % |  | 58.6 | %
Home equity portfolio |  |  |
FICO score (re-scored) (1) | 767 |  |  | 767 |
LTV (re-valued) (2) (3) | 46.6 | % |  | 49.3 | %
(1) | The average FICO scores are based upon rescores available from November and origination score data for loans booked in December.
(2) | The combined LTV ratios are based upon updated automated valuations as of November, when available, and/or the most current valuation data available. The updated automated valuations provide new information on loans that may be available since the previous valuation was obtained. If no new information is available, the valuation will default to the previously obtained data or most recent appraisal.
(3) For home equity loans and lines in a subordinate lien, the LTV data represents a combined LTV, taking into account the senior lien data for loans and lines.
Schedule of Nonaccrual Loans | The following table shows the carrying value of nonaccrual loans at the dates indicated:
| December 31
| 2019 |  | 2018
| (Dollars in thousands)
Commercial and industrial | $ | 22,574 |  |  | $ | 26,310 |
Commercial real estate | 3,016 |  |  | 3,015 |
Commercial construction | — |  |  | 311 |
Small business | 311 |  |  | 235 |
Residential real estate | 13,360 |  |  | 8,251 |
Home equity | 6,570 |  |  | 7,278 |
Other consumer | 61 |  |  | 13 |
Total nonaccrual loans (1) | $ | 45,892 |  |  | $ | 45,413 |
(1) Included in these amounts were $24.8 million and $29.3 million of nonaccruing TDRs at December 31, 2019 and 2018, respectively
Foreclosed Residential Real Estate Property [Table Text Block] | The following table shows information regarding foreclosed residential real estate property at the date indicated:
| December 31, 2019 |  | December 31, 2018
| (Dollars in thousands)
Foreclosed residential real estate property held by the creditor | $ | — |  |  | $ | — |
Recorded investment in mortgage loans collateralized by residential real estate property that are in the process of foreclosure | $ | 3,294 |  |  | $ | 3,174 |
Schedule of the Age Analysis of Past Due Financing Receivables | The following table shows the age analysis of past due financing receivables as of the dates indicated:
| December 31, 2019 |
| 30-59 days |  | 60-89 days |  | 90 days or more |  | Total Past Due |  | Current |  | Total Financing Receivables |  | Recorded Investment >90 Days and Accruing |
| Number of Loans |  | Principal Balance |  | Number of Loans |  | Principal Balance |  | Number of Loans |  | Principal Balance |  | Number of Loans |  | Principal Balance |  |
| (Dollars in thousands) |
Commercial and industrial | 1 |  |  | $ | 253 |  |  | 2 |  |  | $ | 323 |  |  | 5 |  |  | $ | 760 |  |  | 8 |  |  | $ | 1,336 |  |  | $ | 1,393,700 |  |  | $ | 1,395,036 |  |  | $ | — |  |
Commercial real estate | 7 |  |  | 1,690 |  |  | 1 |  |  | 194 |  |  | 8 |  |  | 2,038 |  |  | 16 |  |  | 3,922 |  |  | 3,998,437 |  |  | 4,002,359 |  |  | 218 |  | (2)
Commercial construction | 1 |  |  | 560 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 560 |  |  | 546,733 |  |  | 547,293 |  |  | — |  |
Small business | 11 |  |  | 837 |  |  | 3 |  |  | 15 |  |  | 6 |  |  | 115 |  |  | 20 |  |  | 967 |  |  | 173,530 |  |  | 174,497 |  |  | — |  |
Residential real estate | 17 |  |  | 2,237 |  |  | 17 |  |  | 3,055 |  |  | 38 |  |  | 7,020 |  |  | 72 |  |  | 12,312 |  |  | 1,578,257 |  |  | 1,590,569 |  |  | 1,652 |  | (2)
Home equity | 23 |  |  | 1,689 |  |  | 8 |  |  | 524 |  |  | 40 |  |  | 3,854 |  |  | 71 |  |  | 6,067 |  |  | 1,127,731 |  |  | 1,133,798 |  |  | 265 |  | (2)
Other consumer (1) | 387 |  |  | 245 |  |  | 12 |  |  | 44 |  |  | 16 |  |  | 32 |  |  | 415 |  |  | 321 |  |  | 29,766 |  |  | 30,087 |  |  | 22 |  |
Total | 447 |  |  | $ | 7,511 |  |  | 43 |  |  | $ | 4,155 |  |  | 113 |  |  | $ | 13,819 |  |  | 603 |  |  | $ | 25,485 |  |  | $ | 8,848,154 |  |  | $ | 8,873,639 |  |  | $ | 2,157 |  |
| December 31, 2018
| 30-59 days |  | 60-89 days |  | 90 days or more |  | Total Past Due |  | Current |  | Total Financing Receivables |  | Recorded Investment >90 Days and Accruing
| Number of Loans |  | Principal Balance |  | Number of Loans |  | Principal Balance |  | Number of Loans |  | Principal Balance |  | Number of Loans |  | Principal Balance |
| (Dollars in thousands)
Commercial and industrial | — |  |  | $ | — |  |  | 4 |  |  | $ | 382 |  |  | 11 |  |  | $ | 26,311 |  |  | 15 |  |  | $ | 26,693 |  |  | $ | 1,066,936 |  |  | $ | 1,093,629 |  |  | $ | — |
Commercial real estate | 9 |  |  | 1,627 |  |  | — |  |  | — |  |  | 8 |  |  | 2,250 |  |  | 17 |  |  | 3,877 |  |  | 3,247,371 |  |  | 3,251,248 |  |  | — |
Commercial construction | 1 |  |  | 1,271 |  |  | — |  |  | — |  |  | 1 |  |  | 311 |  |  | 2 |  |  | 1,582 |  |  | 363,583 |  |  | 365,165 |  |  | — |
Small business | 15 |  |  | 506 |  |  | 19 |  |  | 87 |  |  | 24 |  |  | 162 |  |  | 58 |  |  | 755 |  |  | 163,921 |  |  | 164,676 |  |  | — |
Residential real estate | 23 |  |  | 3,486 |  |  | 6 |  |  | 521 |  |  | 25 |  |  | 4,382 |  |  | 54 |  |  | 8,389 |  |  | 914,905 |  |  | 923,294 |  |  | — |
Home equity | 22 |  |  | 1,331 |  |  | 12 |  |  | 855 |  |  | 29 |  |  | 2,663 |  |  | 63 |  |  | 4,849 |  |  | 1,087,235 |  |  | 1,092,084 |  |  | — |
Other consumer (1) | 330 |  |  | 181 |  |  | 15 |  |  | 9 |  |  | 12 |  |  | 13 |  |  | 357 |  |  | 203 |  |  | 15,895 |  |  | 16,098 |  |  | 5 |
Total | 400 |  |  | $ | 8,402 |  |  | 56 |  |  | $ | 1,854 |  |  | 110 |  |  | $ | 36,092 |  |  | 566 |  |  | $ | 46,348 |  |  | $ | 6,859,846 |  |  | $ | 6,906,194 |  |  | $ | 5 |
(1) Other consumer portfolio is inclusive of deposit account overdrafts recorded as loan balances
Schedule of Troubled Debt Restructuring and Other Pertinent Information | The following table shows the Company’s total TDRs and other pertinent information as of the dates indicated:
| December 31
| 2019 |  | 2018
| (Dollars in thousands)
TDRs on accrual status | $ | 19,599 |  |  | $ | 23,849 |
TDRs on nonaccrual status | 24,766 |  |  | 29,348 |
Total TDRs | $ | 44,365 |  |  | $ | 53,197 |
Amount of specific reserves included in the allowance for loan loss associated with TDRs: | $ | 855 |  |  | $ | 1,079 |
Additional commitments to lend to a borrower who has been a party to a TDR: | $ | 63 |  |  | $ | 982 |
Schedule of Troubled Debt Restructuring Modifications | The following table shows the modifications which occurred during the periods indicated and the change in the recorded investment subsequent to the modifications occurring:
| Years Ended December 31
| 2019
| Number of Contracts |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment
| (Dollars in thousands)
Troubled debt restructurings |  |  |  |  |
Commercial and industrial | 3 |  |  | $ | 268 |  |  | $ | 268 |
Commercial real estate | 4 |  |  | 819 |  |  | 819 |
Small business | 1 |  |  | 14 |  |  | 14 |
Residential real estate | 3 |  |  | 967 |  |  | 1,009 |
Home equity | 2 |  |  | 121 |  |  | 121 |
Total | 13 |  |  | $ | 2,189 |  |  | $ | 2,231 |
| 2018
Troubled debt restructurings |  |  |  |  |
Commercial and industrial (1) | 12 |  |  | $ | 35,688 |  |  | $ | 39,224 |
Commercial real estate | 3 |  |  | 1,600 |  |  | 1,600 |
Residential real estate | 5 |  |  | 1,048 |  |  | 1,071 |
Home equity | 9 |  |  | 562 |  |  | 562 |
Total | 29 |  |  | $ | 38,898 |  |  | $ | 42,457 |
| 2017
Troubled debt restructurings |  |  |  |  |
Commercial and industrial | 12 |  |  | $ | 1,787 |  |  | $ | 1,787 |
Commercial real estate | 6 |  |  | 2,705 |  |  | 2,705 |
Small business | 9 |  |  | 369 |  |  | 369 |
Residential real estate | 10 |  |  | 1,284 |  |  | 1,326 |
Home equity | 17 |  |  | 1,985 |  |  | 1,988 |
Total | 54 |  |  | $ | 8,130 |  |  | $ | 8,175 |
(1) The pre-modification and post-modification balances represent the legal principal balance of the loan. These amounts may show an increase when modifications include a capitalization of interest
Schedule of Post-Modification Balance of Troubled Debt Restructuring by Type of Modification | The following table shows the Company’s post-modification balance of TDRs listed by type of modification for the periods indicated:
| Years Ended December 31
| 2019 |  | 2018 |  | 2017
| (Dollars in thousands)
Extended maturity | $ | 1,565 |  |  | $ | 2,878 |  |  | $ | 5,881 |
Adjusted interest rate | 150 |  |  | 57 |  |  | — |
Combination rate and maturity | 441 |  |  | 38,812 |  |  | 568 |
Court ordered concession | 75 |  |  | 710 |  |  | 1,726 |
Total | $ | 2,231 |  |  | $ | 42,457 |  |  | $ | 8,175 |
Schedule of Troubled Debt Restructurings Which Have Subsequently Defaulted | The Company considers a loan to have defaulted when it reaches 90 days past due. As of December 31, 2019 and 2018, there were no loans modified during the prior twelve months that subsequently defaulted. During the twelve months ended December 31, 2017 there was one commercial and industrial loan that was modified during the proceeding twelve month period, with a recorded investment of 122,000, which subsequently defaulted.
Schedule of Impaired Loans by Loan Portfolio | The tables below set forth information regarding the Company’s impaired loans. The information for average recorded investment and interest income recognized is reflective of the full period being presented and does not take into account the date at which a loan was deemed to be impaired. See information below as of the dates indicated:
| As of and For the Years Ended December 31
| 2019
| Recorded Investment |  | Unpaid Principal Balance |  | Related Allowance |  | Average Recorded Investment |  | Interest Income Recognized
| (Dollars in thousands)
With no related allowance recorded |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | 23,786 |  |  | $ | 34,970 |  |  | $ | — |  |  | $ | 27,056 |  |  | $ | 136 |
Commercial real estate | 6,213 |  |  | 12,101 |  |  | — |  |  | 12,595 |  |  | 523 |
Small business | 469 |  |  | 484 |  |  | — |  |  | 471 |  |  | 22 |
Residential real estate | 4,976 |  |  | 5,123 |  |  | — |  |  | 5,045 |  |  | 222 |
Home equity | 3,764 |  |  | 3,893 |  |  | — |  |  | 3,869 |  |  | 184 |
Other consumer | 34 |  |  | 34 |  |  | — |  |  | 41 |  |  | 3 |
Subtotal | 39,242 |  |  | 56,605 |  |  | — |  |  | 49,077 |  |  | 1,090 |
With an allowance recorded |  |  |  |  |  |  |  |  |
Commercial and industrial | 670 |  |  | 670 |  |  | 126 |  |  | 718 |  |  | 29 |
Commercial real estate | 2,124 |  |  | 2,124 |  |  | 48 |  |  | 2,176 |  |  | 122 |
Small business | 68 |  |  | 105 |  |  | 8 |  |  | 74 |  |  | 2 |
Residential real estate | 6,252 |  |  | 7,163 |  |  | 637 |  |  | 6,326 |  |  | 239 |
Home equity | 1,184 |  |  | 1,382 |  |  | 156 |  |  | 1,214 |  |  | 52 |
Other consumer | 88 |  |  | 91 |  |  | 5 |  |  | 97 |  |  | 3 |
Subtotal | 10,386 |  |  | 11,535 |  |  | 980 |  |  | 10,605 |  |  | 447 |
Total | $ | 49,628 |  |  | $ | 68,140 |  |  | $ | 980 |  |  | $ | 59,682 |  |  | $ | 1,537 |
| 2018
| Recorded Investment |  | Unpaid Principal Balance |  | Related Allowance |  | Average Recorded Investment |  | Interest Income Recognized
| (Dollars in thousands)
With no related allowance recorded |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | 28,459 |  |  | $ | 35,913 |  |  | $ | — |  |  | $ | 31,117 |  |  | $ | 142 |
Commercial real estate | 9,552 |  |  | 9,832 |  |  | — |  |  | 10,561 |  |  | 519 |
Small business | 358 |  |  | 439 |  |  | — |  |  | 401 |  |  | 14 |
Residential real estate | 4,518 |  |  | 4,686 |  |  | — |  |  | 4,597 |  |  | 212 |
Home equity | 4,957 |  |  | 5,199 |  |  | — |  |  | 5,230 |  |  | 220 |
Other consumer | 56 |  |  | 56 |  |  | — |  |  | 64 |  |  | 4 |
Subtotal | 47,900 |  |  | 56,125 |  |  | — |  |  | 51,970 |  |  | 1,111 |
With an allowance recorded |  |  |  |  |  |  |  |  |
Commercial and industrial | 370 |  |  | 370 |  |  | 7 |  |  | 385 |  |  | 19 |
Commercial real estate | 1,287 |  |  | 1,287 |  |  | 37 |  |  | 1,311 |  |  | 74 |
Small business | 183 |  |  | 223 |  |  | 1 |  |  | 225 |  |  | 13 |
Residential real estate | 8,188 |  |  | 9,217 |  |  | 862 |  |  | 8,459 |  |  | 289 |
Home equity | 991 |  |  | 1,149 |  |  | 164 |  |  | 1,018 |  |  | 43 |
Other consumer | 141 |  |  | 143 |  |  | 8 |  |  | 154 |  |  | 5 |
Subtotal | 11,160 |  |  | 12,389 |  |  | 1,079 |  |  | 11,552 |  |  | 443 |
Total | $ | 59,060 |  |  | $ | 68,514 |  |  | $ | 1,079 |  |  | $ | 63,522 |  |  | $ | 1,554 |
| 2017
| Recorded Investment |  | Unpaid Principal Balance |  | Related Allowance |  | Average Recorded Investment |  | Interest Income Recognized
| (Dollars in thousands)
With no related allowance recorded |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | 34,267 |  |  | $ | 38,329 |  |  | $ | — |  |  | $ | 36,631 |  |  | $ | 446 |
Commercial real estate | 13,245 |  |  | 14,374 |  |  | — |  |  | 13,683 |  |  | 559 |
Small business | 556 |  |  | 619 |  |  | — |  |  | 569 |  |  | 21 |
Residential real estate | 4,264 |  |  | 4,397 |  |  | — |  |  | 4,332 |  |  | 218 |
Home equity | 4,950 |  |  | 5,056 |  |  | — |  |  | 5,063 |  |  | 198 |
Other consumer | 91 |  |  | 92 |  |  | — |  |  | 102 |  |  | 7 |
Subtotal | 57,373 |  |  | 62,867 |  |  | — |  |  | 60,380 |  |  | 1,449 |
With an allowance recorded |  |  |  |  |  |  |  |  |
Commercial and industrial | 376 |  |  | 376 |  |  | 10 |  |  | 391 |  |  | 19 |
Commercial real estate | 3,393 |  |  | 3,399 |  |  | 42 |  |  | 3,447 |  |  | 198 |
Small business | 147 |  |  | 153 |  |  | 1 |  |  | 238 |  |  | 14 |
Residential real estate | 9,420 |  |  | 10,154 |  |  | 1,007 |  |  | 9,575 |  |  | 284 |
Home equity | 1,876 |  |  | 2,110 |  |  | 265 |  |  | 1,916 |  |  | 55 |
Other consumer | 216 |  |  | 217 |  |  | 17 |  |  | 233 |  |  | 7 |
Subtotal | 15,428 |  |  | 16,409 |  |  | 1,342 |  |  | 15,800 |  |  | 577 |
Total | $ | 72,801 |  |  | $ | 79,276 |  |  | $ | 1,342 |  |  | $ | 76,180 |  |  | $ | 2,026 |
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Table Text Block] |
|  | December 31
|  | 2019 |  | 2018
|  | (Dollars in thousands)
Outstanding balance |  | $ | 18,358 |  |  | $ | 9,749 |
Carrying amount |  | $ | 14,856 |  |  | $ | 8,795 |
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield Movement Schedule [Table Text Block] | The following table summarizes activity in the accretable yield for the PCI loan portfolio:
|  | 2019 |  | 2018
|  | (Dollars in thousands)
Beginning balance |  | $ | 1,191 |  |  | $ | 1,791 |
Acquisition |  | 1,464 |  |  | — |
Accretion |  | (1,751 | ) |  | (1,135 | )
Other change in expected cash flows (1) |  | 803 |  |  | 310 |
Reclassification from nonaccretable difference for loans which have paid off (2) |  | 227 |  |  | 225 |
Ending balance |  | $ | 1,934 |  |  | $ | 1,191 |
(1) | Represents changes in cash flows expected to be collected resulting in increased interest income as a prospective yield adjustment over the remaining life of the loan(s).
(2) Results in increased income during the period when a loan pays off at amount greater than originally expected

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