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LOAN LOSS ALLOWANCE (Tables)

12 Months Ended

Dec. 31, 2016

Receivables [Abstract]

Schedule of Activity in the Allowance for Loan Losses

Activity in the allowance for loan losses for 2016, 2015, and 2014 was as follows:

Business Activities Loans

(In thousands) 2016		Commercial real estate				Commercial and industrial				Residential mortgages				Consumer				Unallocated				Total
Balance at beginning of year		$	14,508			$	7,317			$	7,566			$	4,956			$	227			$	34,574
Charged-off loans		2,127				4,620				2,036				1,722				—				10,505
Recoveries on charged-off loans		243				123				159				267				—				792
Provision for loan losses		3,781				6,551				2,063				1,946				27				14,368
Balance at end of year		$	16,405			$	9,371			$	7,752			$	5,447			$	254			$	39,229
Individually evaluated for impairment		158				264				136				156				—				714
Collectively evaluated		16,247				9,107				7,616				5,291				254				38,515
Total		$	16,405			$	9,371			$	7,752			$	5,447			$	254			$	39,229

Business Activities Loans

(In thousands) 2015		Commercial real estate				Commercial and industrial				Residential mortgages				Consumer				Unallocated				Total
Balance at beginning of year		$	14,690			$	5,206			$	6,836			$	5,928			$	135			$	32,795
Charged-off loans		6,865				2,358				1,215				1,183				—				11,621
Recoveries on charged-off loans		164				169				141				285				—				759
Provision for loan losses		6,519				4,300				1,804				(74		)		92				12,641
Balance at end of year		$	14,508			$	7,317			$	7,566			$	4,956			$	227			$	34,574
Individually evaluated for impairment		149				21				153				103				—				426
Collectively evaluated		14,359				7,296				7,413				4,853				227				34,148
Total		$	14,508			$	7,317			$	7,566			$	4,956			$	227			$	34,574

Business Activities Loans

(In thousands) 2014		Commercial real estate				Commercial and industrial				Residential mortgages				Consumer				Unallocated				Total
Balance at beginning of year		$	13,705			$	5,173			$	6,937			$	3,644			$	68			$	29,527
Charged-off loans		4,207				2,500				1,455				1,308				—				9,470
Recoveries on charged-off loans		9				193				186				285				—				673
Provision for loan losses		5,183				2,340				1,168				3,307				67				12,065
Balance at end of year		$	14,690			$	5,206			$	6,836			$	5,928			$	135			$	32,795
Individually evaluated for impairment		922				—				155				66				—				1,143
Collectively evaluated		13,768				5,206				6,681				5,862				135				31,652
Total		$	14,690			$	5,206			$	6,836			$	5,928			$	135			$	32,795

Acquired Loans

(In thousands) 2016		Commercial real estate				Commercial and industrial				Residential mortgages				Consumer				Unallocated				Total
Balance at beginning of year		$	1,903			$	1,330			$	976			$	525			$	—			$	4,734
Charged-off loans		977				1,095				829				620				—				3,521
Recoveries on charged-off loans		61				266				144				91				—				562
Provision for loan losses		1,316				663				475				540				—				2,994
Balance at end of year		$	2,303			$	1,164			$	766			$	536			$	—			$	4,769
Individually evaluated for impairment		250				60				11				111				—				432
Purchased credit-impaired loans		—				—				—				—				—				—
Collectively evaluated		2,053				1,104				755				425				—				4,337
Total		$	2,303			$	1,164			$	766			$	536			$	—			$	4,769

Acquired Loans

(In thousands) 2015		Commercial real estate				Commercial and industrial				Residential mortgages				Consumer				Unallocated				Total
Balance at beginning of year		$	790			$	1,093			$	615			$	369			$	—			$	2,867
Charged-off loans		681				752				642				992				—				3,067
Recoveries on charged-off loans		418				289				64				78				—				849
Provision for loan losses		1,376				700				939				1,070				—				4,085
Balance at end of year		$	1,903			$	1,330			$	976			$	525			$	—			$	4,734
Individually evaluated for impairment		43				—				30				25				—				98
Purchased credit-impaired loans		42				—				—				—				—				42
Collectively evaluated		1,818				1,330				946				500				—				4,594
Total		$	1,903			$	1,330			$	976			$	525			$	—			$	4,734

Acquired Loans

(In thousands) 2014		Commercial real estate				Commercial and industrial				Residential mortgages				Consumer				Unallocated				Total
Balance at beginning of year		$	2,339			$	597			$	625			$	235			$	—			$	3,796
Charged-off loans		1,477				510				1,141				1,255				—				4,383
Recoveries on charged-off loans		261				35				179				76				—				551
Provision for loan losses		(333		)		971				952				1,313				—				2,903
Balance at end of year		$	790			$	1,093			$	615			$	369			$	—			$	2,867
Individually evaluated for impairment		48				—				48				75				—				171
Purchased credit-impaired loans		—				—				—				—				—				—
Collectively evaluated		742				1,093				567				294				—				2,696
Total		$	790			$	1,093			$	615			$	369			$	—			$	2,867

Schedule of Loans by Risk Rating

The following tables present the Company’s loans by risk rating at year-end 2016 and 2015:

Business Activities Loans

Commercial Real Estate

Credit Risk Profile by Creditworthiness Category

		Construction								Single and multi-family								Real Estate								Total commercial real estate
(In thousands)		2016				2015				2016				2015				2016				2015				2016				2015
Grade:
Pass		$	253,302			$	208,138			$	189,310			$	212,900			$	1,434,762			$	1,155,770			$	1,877,374			$	1,576,808
Special mention		—				—				334				—				5,827				3,449				6,161				3,449
Substandard		—				2,058				2,175				1,923				40,598				49,716				42,773				53,697
Doubtful		—				—				—				—				36				73				36				73
Total		$	253,302			$	210,196			$	191,819			$	214,823			$	1,481,223			$	1,209,008			$	1,926,344			$	1,634,027

Commercial and Industrial Loans

Credit Risk Profile by Creditworthiness Category

		Asset based lending								Other								Total comm. and industrial
(In thousands)		2016				2015				2016				2015				2016				2015
Grade:
Pass		$	321,270			$	331,253			$	569,704			$	455,710			$	890,974			$	786,963
Special mention		—				—				123				24,578				123				24,578
Substandard		—				—				13,825				15,691				13,825				15,691
Doubtful		—				—				3,180				—				3,180				—
Total		$	321,270			$	331,253			$	586,832			$	495,979			$	908,102			$	827,232

Residential Mortgages

Credit Risk Profile by Internally Assigned Grade

		1-4 family								Construction								Total residential mortgages
(In thousands)		2016				2015				2016				2015				2016				2015
Grade:
Pass		$	1,578,913			$	1,449,073			$	11,178			$	26,704			$	1,590,091			$	1,475,777
Special mention		701				857				—				—				701				857
Substandard		4,179				4,303				—				—				4,179				4,303
Total		$	1,583,793			$	1,454,233			$	11,178			$	26,704			$	1,594,971			$	1,480,937

Consumer Loans

Credit Risk Profile Based on Payment Activity

		Home equity								Auto and other								Total consumer
(In thousands)		2016				2015				2016				2015				2016				2015
Performing		$	310,846			$	305,562			$	477,416			$	310,777			$	788,262			$	616,339
Nonperforming		2,675				1,597				952				551				3,627				2,148
Total		$	313,521			$	307,159			$	478,368			$	311,328			$	791,889			$	618,487

Acquired Loans

Commercial Real Estate

Credit Risk Profile by Creditworthiness Category

		Construction								Single and multi-family								Real Estate								Total commercial real estate
(In thousands)		2016				2015				2016				2015				2016				2015				2016				2015
Grade:
Pass		$	33,461			$	42,176			$	119,414			$	32,796			$	496,562			$	324,614			$	649,437			$	399,586
Special mention		—				—				907				655				1,622				352				2,529				1,007
Substandard		746				1,298				5,351				3,332				32,031				20,517				38,128				25,147
Total		$	34,207			$	43,474			$	125,672			$	36,783			$	530,215			$	345,483			$	690,094			$	425,740

Commercial and Industrial Loans

Credit Risk Profile by Creditworthiness Category

		Asset based lending								Other								Total comm. and industrial
(In thousands)		2016				2015				2016				2015				2016				2015
Grade:
Pass		$	—			$	—			$	147,102			$	212,825			$	147,102			$	212,825
Special mention		—				—				1,260				487				1,260				487
Substandard		—				—				5,574				7,719				5,574				7,719
Total		$	—			$	—			$	153,936			$	221,031			$	153,936			$	221,031

Residential Mortgages

Credit Risk Profile by Internally Assigned Grade

		1-4 family								Construction								Total residential mortgages
(In thousands)		2016				2015				2016				2015				2016				2015
Grade:
Pass		$	294,983			$	329,375			$	804			$	1,351			$	295,787			$	330,726
Special mention		343				311				—				—				343				311
Substandard		2,029				3,061				—				—				2,029				3,061
Total		$	297,355			$	332,747			$	804			$	1,351			$	298,159			$	334,098

Consumer Loans

Credit Risk Profile Based on Payment Activity

		Home equity								Auto and other								Total consumer
(In thousands)		2016				2015				2016				2015				2016				2015
Performing		$	79,762			$	52,719			$	105,117			$	129,345			$	184,879			$	182,064
Nonperforming		517				727				895				893				1,412				1,620
Total		$	80,279			$	53,446			$	106,012			$	130,238			$	186,291			$	183,684

Summary of Information About Total Loans Rated Special Mention or Lower

The following table summarizes information about total loans rated Special Mention or lower. The table below includes consumer loans that are Special Mention and Substandard accruing that are classified in the above table as performing based on payment activity.

		December 31, 2016												December 31, 2015
(In thousands)		Business Activities Loans				Acquired Loans				Total				Business Activities Loans				Acquired Loans				Total
Non-Accrual		$	16,816			$	5,424			$	22,240			$	15,484			$	5,391			$	20,875
Substandard Accruing		51,125				44,177				95,302				60,549				32,560				93,109
Total Classified		67,941				49,601				117,542				76,033				37,951				113,984
Special Mention		7,479				4,323				11,802				29,036				2,259				31,295
Total Criticized		$	75,420			$	53,924			$	129,344			$	105,069			$	40,210			$	145,279

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Tabular disclosure of financing receivables, rated as special mention or lower.

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Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 11B
-URI http://asc.fasb.org/extlink&oid=66008989&loc=SL6953423-111524

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Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 55
-Paragraph 19
-URI http://asc.fasb.org/extlink&oid=32702940&loc=SL6953803-111525

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 29
-URI http://asc.fasb.org/extlink&oid=66008989&loc=SL6953659-111524

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