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v3.20.2

LOANS, Allowance for Credit Losses (Details) $ in Thousands | 3 Months Ended | 6 Months Ended
--- | --- | ---
Sep. 30, 2021 | Jun. 30, 2020 USD ($) | Jun. 30, 2019 USD ($) | Jun. 30, 2020 USD ($) | Jun. 30, 2019 USD ($)
Allowance for credit losses - loans [Roll Forward] |  |  |  |  |
Beginning balance |  | $ 55,652 | $ 49,107 | $ 49,911 | $ 49,284
Charge-offs |  | (2,094) | (2,871) |  | (6,772)
Recoveries |  | 1,184 | 1,674 |  | 2,976
Steuben acquisition |  | 3,662 |  |  |
Provision |  | 6,033 | 1,400 |  | 3,822
Ending balance |  | 64,437 | 49,310 | 64,437 | 49,310
Liabilities for off-balance-sheet credit exposures [Roll Forward] |  |  |  |  |
Beginning balance |  | 845 |  | 0 |
Charge-offs |  | 0 |  |  |
Recoveries |  | 0 |  |  |
Steuben acquisition |  | 67 |  |  |
Provision |  | 540 |  |  |
Ending balance |  | 1,452 |  | 1,452 |
Total allowance for credit losses [Roll Forward] |  |  |  |  |
Beginning balance |  | 56,497 |  | 49,911 |
Charge-offs |  | (2,094) |  |  |
Recoveries |  | 1,184 |  |  |
Steuben acquisition |  | 3,729 |  |  |
Provision |  | 6,573 |  |  |
Ending balance |  | $ 65,889 |  | $ 65,889 |
Allowance for Credit Losses [Abstract] |  |  |  |  |
Allowance for credit losses to total loans ratio |  | 0.0086 |  | 0.0086 |
Increase in allowance for credit losses to total loans ratio over the same quarter in prior year |  |  |  | 800.00% |
Increase in allowance for credit losses to total loans ratio over the prior year end |  |  |  | 0.14% |
Forecast [Member] | Minimum [Member] | COVID-19 [Member] |  |  |  |  |
Allowance for Credit Losses [Abstract] |  |  |  |  |
Percentage of peak unemployment | 9.00% |  |  |  |
Forecast [Member] | Maximum [Member] | COVID-19 [Member] |  |  |  |  |
Allowance for Credit Losses [Abstract] |  |  |  |  |
Percentage of peak unemployment | 12.00% |  |  |  |
Topic ASC 326 [Member] |  |  |  |  |
Allowance for credit losses - loans [Roll Forward] |  |  |  |  |
Beginning balance |  |  |  | $ 51,268 |
Charge-offs |  |  |  | (5,141) |
Recoveries |  |  |  | 2,681 |
Steuben acquisition |  |  |  | 3,662 |
Provision |  |  |  | 11,967 |
Ending balance |  | $ 64,437 |  | 64,437 |
Liabilities for off-balance-sheet credit exposures [Roll Forward] |  |  |  |  |
Beginning balance |  |  |  | 1,185 |
Charge-offs |  |  |  | 0 |
Recoveries |  |  |  | 0 |
Steuben acquisition |  |  |  | 67 |
Provision |  |  |  | 200 |
Ending balance |  | 1,452 |  | 1,452 |
Total allowance for credit losses [Roll Forward] |  |  |  |  |
Beginning balance |  |  |  | 52,453 |
Charge-offs |  |  |  | (5,141) |
Recoveries |  |  |  | 2,681 |
Steuben acquisition |  |  |  | 3,729 |
Provision |  |  |  | 12,167 |
Ending balance |  | 65,889 |  | 65,889 |
Topic ASC 326 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] |  |  |  |  |
Allowance for credit losses - loans [Roll Forward] |  |  |  |  |
Beginning balance |  |  |  | 1,357 |
Liabilities for off-balance-sheet credit exposures [Roll Forward] |  |  |  |  |
Beginning balance |  |  |  | 1,185 |
Total allowance for credit losses [Roll Forward] |  |  |  |  |
Beginning balance |  |  |  | 2,542 |
Purchased Credit Impaired [Member] |  |  |  |  |
Allowance for credit losses - loans [Roll Forward] |  |  |  |  |
Beginning balance |  |  | 155 | 163 | 33
Charge-offs |  |  | 0 |  | 0
Recoveries |  |  | 0 |  | 0
Provision |  |  | 0 |  | 122
Ending balance |  |  | 155 |  | 155
Purchased Credit Impaired [Member] | Topic ASC 326 [Member] |  |  |  |  |
Allowance for credit losses - loans [Roll Forward] |  |  |  |  |
Beginning balance |  |  |  | 0 |
Charge-offs |  |  |  | 0 |
Recoveries |  |  |  | 0 |
Steuben acquisition |  |  |  | 0 |
Provision |  |  |  | 0 |
Ending balance |  | 0 |  | 0 |
Purchased Credit Impaired [Member] | Topic ASC 326 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] |  |  |  |  |
Allowance for credit losses - loans [Roll Forward] |  |  |  |  |
Beginning balance |  |  |  | (163) |
Purchased Credit Deteriorated [Member] |  |  |  |  |
Allowance for credit losses - loans [Roll Forward] |  |  |  |  |
Beginning balance |  | 3,046 |  | 0 |
Charge-offs |  | 0 |  |  |
Recoveries |  | 48 |  |  |
Steuben acquisition |  | 528 |  |  |
Provision |  | (61) |  |  |
Ending balance |  | 3,561 |  | 3,561 |
Purchased Credit Deteriorated [Member] | Topic ASC 326 [Member] |  |  |  |  |
Allowance for credit losses - loans [Roll Forward] |  |  |  |  |
Beginning balance |  |  |  | 3,072 |
Charge-offs |  |  |  | 0 |
Recoveries |  |  |  | 48 |
Steuben acquisition |  |  |  | 528 |
Provision |  |  |  | (87) |
Ending balance |  | 3,561 |  | 3,561 |
Purchased Credit Deteriorated [Member] | Topic ASC 326 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] |  |  |  |  |
Allowance for credit losses - loans [Roll Forward] |  |  |  |  |
Beginning balance |  |  |  | 3,072 |
Commercial Portfolio Segment [Member] | Business Lending [Member] |  |  |  |  |
Allowance for credit losses - loans [Roll Forward] |  |  |  |  |
Beginning balance |  | 19,489 | 18,271 | 19,426 | 18,522
Charge-offs |  | (7) | (253) |  | (1,469)
Recoveries |  | 84 | 169 |  | 303
Steuben acquisition |  | 2,483 |  |  |
Provision |  | 2,155 | (418) |  | 413
Ending balance |  | 24,204 | 17,769 | 24,204 | 17,769
Commercial Portfolio Segment [Member] | Business Lending [Member] | Topic ASC 326 [Member] |  |  |  |  |
Allowance for credit losses - loans [Roll Forward] |  |  |  |  |
Beginning balance |  |  |  | 19,714 |
Charge-offs |  |  |  | (183) |
Recoveries |  |  |  | 222 |
Steuben acquisition |  |  |  | 2,483 |
Provision |  |  |  | 1,968 |
Ending balance |  | 24,204 |  | 24,204 |
Commercial Portfolio Segment [Member] | Business Lending [Member] | Topic ASC 326 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] |  |  |  |  |
Allowance for credit losses - loans [Roll Forward] |  |  |  |  |
Beginning balance |  |  |  | 288 |
Residential Portfolio Segment [Member] | Consumer Mortgage [Member] |  |  |  |  |
Allowance for credit losses - loans [Roll Forward] |  |  |  |  |
Beginning balance |  | 12,430 | 10,317 | 10,269 | 10,124
Charge-offs |  | (234) | (587) |  | (840)
Recoveries |  | 36 | 14 |  | 36
Steuben acquisition |  | 146 |  |  |
Provision |  | 710 | 1,019 |  | 1,443
Ending balance |  | 13,088 | 10,763 | 13,088 | 10,763
Residential Portfolio Segment [Member] | Consumer Mortgage [Member] | Topic ASC 326 [Member] |  |  |  |  |
Allowance for credit losses - loans [Roll Forward] |  |  |  |  |
Beginning balance |  |  |  | 9,218 |
Charge-offs |  |  |  | (420) |
Recoveries |  |  |  | 44 |
Steuben acquisition |  |  |  | 146 |
Provision |  |  |  | 4,100 |
Ending balance |  | 13,088 |  | 13,088 |
Residential Portfolio Segment [Member] | Consumer Mortgage [Member] | Topic ASC 326 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] |  |  |  |  |
Allowance for credit losses - loans [Roll Forward] |  |  |  |  |
Beginning balance |  |  |  | (1,051) |
Consumer Portfolio Segment [Member] | Consumer Indirect [Member] |  |  |  |  |
Allowance for credit losses - loans [Roll Forward] |  |  |  |  |
Beginning balance |  | 13,694 | 14,251 | 13,712 | 14,366
Charge-offs |  | (1,431) | (1,482) |  | (3,305)
Recoveries |  | 833 | 1,239 |  | 2,201
Steuben acquisition |  | 183 |  |  |
Provision |  | 2,587 | 337 |  | 1,083
Ending balance |  | 15,866 | 14,345 | 15,866 | 14,345
Consumer Portfolio Segment [Member] | Consumer Indirect [Member] | Topic ASC 326 [Member] |  |  |  |  |
Allowance for credit losses - loans [Roll Forward] |  |  |  |  |
Beginning balance |  |  |  | 12,715 |
Charge-offs |  |  |  | (3,510) |
Recoveries |  |  |  | 1,996 |
Steuben acquisition |  |  |  | 183 |
Provision |  |  |  | 4,482 |
Ending balance |  | 15,866 |  | 15,866 |
Consumer Portfolio Segment [Member] | Consumer Indirect [Member] | Topic ASC 326 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] |  |  |  |  |
Allowance for credit losses - loans [Roll Forward] |  |  |  |  |
Beginning balance |  |  |  | (997) |
Consumer Portfolio Segment [Member] | Consumer Direct [Member] |  |  |  |  |
Allowance for credit losses - loans [Roll Forward] |  |  |  |  |
Beginning balance |  | 3,737 | 3,056 | 3,255 | 3,095
Charge-offs |  | (341) | (445) |  | (980)
Recoveries |  | 171 | 221 |  | 400
Steuben acquisition |  | 87 |  |  |
Provision |  | 374 | 352 |  | 669
Ending balance |  | 4,028 | 3,184 | 4,028 | 3,184
Consumer Portfolio Segment [Member] | Consumer Direct [Member] | Topic ASC 326 [Member] |  |  |  |  |
Allowance for credit losses - loans [Roll Forward] |  |  |  |  |
Beginning balance |  |  |  | 2,612 |
Charge-offs |  |  |  | (874) |
Recoveries |  |  |  | 353 |
Steuben acquisition |  |  |  | 87 |
Provision |  |  |  | 1,850 |
Ending balance |  | 4,028 |  | 4,028 |
Consumer Portfolio Segment [Member] | Consumer Direct [Member] | Topic ASC 326 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] |  |  |  |  |
Allowance for credit losses - loans [Roll Forward] |  |  |  |  |
Beginning balance |  |  |  | (643) |
Consumer Portfolio Segment [Member] | Home Equity [Member] |  |  |  |  |
Allowance for credit losses - loans [Roll Forward] |  |  |  |  |
Beginning balance |  | 2,484 | 2,067 | 2,129 | 2,144
Charge-offs |  | (81) | (104) |  | (178)
Recoveries |  | 12 | 31 |  | 36
Steuben acquisition |  | 235 |  |  |
Provision |  | 40 | 109 |  | 101
Ending balance |  | 2,690 | 2,103 | 2,690 | 2,103
Consumer Portfolio Segment [Member] | Home Equity [Member] | Topic ASC 326 [Member] |  |  |  |  |
Allowance for credit losses - loans [Roll Forward] |  |  |  |  |
Beginning balance |  |  |  | 2,937 |
Charge-offs |  |  |  | (154) |
Recoveries |  |  |  | 18 |
Steuben acquisition |  |  |  | 235 |
Provision |  |  |  | (346) |
Ending balance |  | 2,690 |  | 2,690 |
Consumer Portfolio Segment [Member] | Home Equity [Member] | Topic ASC 326 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] |  |  |  |  |
Allowance for credit losses - loans [Roll Forward] |  |  |  |  |
Beginning balance |  |  |  | 808 |
Unallocated Financing Receivables [Member] |  |  |  |  |
Allowance for credit losses - loans [Roll Forward] |  |  |  |  |
Beginning balance |  | 772 | 990 | 957 | 1,000
Charge-offs |  | 0 | 0 |  | 0
Recoveries |  | 0 | 0 |  | 0
Steuben acquisition |  | 0 |  |  |
Provision |  | 228 | 1 |  | (9)
Ending balance |  | 1,000 | $ 991 | 1,000 | $ 991
Unallocated Financing Receivables [Member] | Topic ASC 326 [Member] |  |  |  |  |
Allowance for credit losses - loans [Roll Forward] |  |  |  |  |
Beginning balance |  |  |  | 1,000 |
Charge-offs |  |  |  | 0 |
Recoveries |  |  |  | 0 |
Steuben acquisition |  |  |  | 0 |
Provision |  |  |  | 0 |
Ending balance |  | $ 1,000 |  | 1,000 |
Unallocated Financing Receivables [Member] | Topic ASC 326 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] |  |  |  |  |
Allowance for credit losses - loans [Roll Forward] |  |  |  |  |
Beginning balance |  |  |  | $ 43 |

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