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LOAN LOSS ALLOWANCE (Tables)

6 Months Ended

Jun. 30, 2019

Receivables [Abstract]

Schedule of Activity in the Allowance for Loan Losses

Activity in the allowance for loan losses for the three and six months ended June 30, 2019 and 2018 was as follows:

		At or for the three months ended June 30, 2019
Business Activities Loans (In thousands)		Commercial real estate				Commercial and industrial loans				Residential mortgages				Consumer				Total
Balance at beginning of period		$	22,521			$	18,247			$	9,209			$	6,235			$	56,212
Charged-off loans		702				1,180				206				857				2,945
Recoveries on charged-off loans		67				119				43				79				308
Provision/(releases) for loan losses		522				1,663				(212		)		(116		)		1,857
Balance at end of period		$	22,408			$	18,849			$	8,834			$	5,341			$	55,432

		At or for the six months ended June 30, 2019
Business Activities Loans (In thousands)		Commercial real estate				Commercial and industrial loans				Residential mortgages				Consumer				Total
Balance at beginning of period		$	21,732			$	16,504			$	10,535			$	7,368			$	56,139
Charged-off loans		1,958				2,856				248				1,776				6,838
Recoveries on charged-off loans		275				426				58				133				892
Provision/(releases) for loan losses		2,359				4,775				(1,511		)		(384		)		5,239
Balance at end of period		$	22,408			$	18,849			$	8,834			$	5,341			$	55,432

		At or for the three months ended June 30, 2018
Business Activities Loans (In thousands)		Commercial real estate				Commercial and industrial loans				Residential mortgages				Consumer				Total
Balance at beginning of period		$	17,841			$	13,229			$	8,598			$	7,609			$	47,277
Charged-off loans		1,392				1,706				27				837				3,962
Recoveries on charged-off loans		26				447				6				135				614
Provision/(releases) for loan losses		2,676				2,685				853				171				6,385
Balance at end of period		$	19,151			$	14,655			$	9,430			$	7,078			$	50,314

		At or for the six months ended June 30, 2018
Business Activities Loans (In thousands)		Commercial real estate				Commercial and industrial loans				Residential mortgages				Consumer				Total
Balance at beginning of period		$	16,843			$	13,850			$	9,420			$	5,807			$	45,920
Charged-off loans		1,498				2,596				27				1,777				5,898
Recoveries on charged-off loans		49				491				6				209				755
Provision/(releases) for loan losses		3,757				2,910				31				2,839				9,537
Balance at end of period		$	19,151			$	14,655			$	9,430			$	7,078			$	50,314

		At or for the three months ended June 30, 2019
Acquired Loans (In thousands)		Commercial real estate				Commercial and industrial loans				Residential mortgages				Consumer				Total
Balance at beginning of period		$	3,910			$	879			$	622			$	415			$	5,826
Charged-off loans		624				109				31				257				1,021
Recoveries on charged-off loans		24				175				55				55				309
Provision/(releases) for loan losses		1,252				(75		)		236				197				1,610
Balance at end of period		$	4,562			$	870			$	882			$	410			$	6,724

		At or for the six months ended June 30, 2019
Acquired Loans (In thousands)		Commercial real estate				Commercial and industrial loans				Residential mortgages				Consumer				Total
Balance at beginning of period		$	3,153			$	1,064			$	630			$	483			$	5,330
Charged-off loans		804				371				104				428				1,707
Recoveries on charged-off loans		500				226				60				86				872
Provision/(releases) for loan losses		1,713				(49		)		296				269				2,229
Balance at end of period		$	4,562			$	870			$	882			$	410			$	6,724

		At or for the three months ended June 30, 2018
Acquired Loans (In thousands)		Commercial real estate				Commercial and industrial loans				Residential mortgages				Consumer				Total
Balance at beginning of period		$	3,995			$	1,243			$	1,046			$	298			$	6,582
Charged-off loans		972				—				622				164				1,758
Recoveries on charged-off loans		259				66				11				304				640
Provision/(releases) for loan losses		100				(182		)		183				46				147
Balance at end of period		$	3,382			$	1,127			$	618			$	484			$	5,611

		At or for the six months ended June 30, 2018
Acquired Loans (In thousands)		Commercial real estate				Commercial and industrial loans				Residential mortgages				Consumer				Total
Balance at beginning of period		$	3,856			$	1,125			$	598			$	335			$	5,914
Charged-off loans		1,712				155				1,053				693				3,613
Recoveries on charged-off loans		265				95				36				344				740
Provision/(releases) for loan losses		973				62				1,037				498				2,570
Balance at end of period		$	3,382			$	1,127			$	618			$	484			$	5,611

The following tables present a summary of the allowance for loan losses as of June 30, 2019 and December 31, 2018:

		At June 30, 2019
Business Activities Loans (In thousands)		Commercial real estate				Commercial and industrial loans				Residential mortgages				Consumer				Total
Individually evaluated for impairment		7				42				78				7				134
Collectively evaluated for impairment		22,401				18,807				8,756				5,334				55,298
Total		$	22,408			$	18,849			$	8,834			$	5,341			$	55,432

		At December 31, 2018
Business Activities Loans (In thousands)		Commercial real estate			Commercial and industrial loans			Residential mortgages			Consumer			Total
Individually evaluated for impairment		9			49			128			11			197
Collectively evaluated for impairment		21,723			16,455			10,407			7,357			55,942
Total		21,732			16,504			10,535			7,368			56,139

		At June 30, 2019
Acquired Loans (In thousands)		Commercial real estate				Commercial and industrial loans				Residential mortgages				Consumer				Total
Individually evaluated for impairment		84				—				8				7				99
Collectively evaluated for impairment		4,478				870				874				403				6,625
Total		$	4,562			$	870			$	882			$	410			$	6,724

		At December 31, 2018
Acquired Loans (In thousands)		Commercial real estate			Commercial and industrial loans			Residential mortgages			Consumer			Total
Individually evaluated for impairment		9			4			36			48			97
Collectively evaluated for impairment		3,144			1,060			594			435			5,233
Total		3,153			1,064			630			483			5,330

Schedule of Loans by Risk Rating

The following tables present the Company’s loans by risk rating at June 30, 2019 and December 31, 2018:

Business Activities Loans

Commercial Real Estate

Credit Risk Profile by Creditworthiness Category

		Construction								Real Estate								Total commercial real estate
(In thousands)		June 30, 2019				December 31, 2018				June 30, 2019				December 31, 2018				June 30, 2019				December 31, 2018
Grade:
Pass		$	300,996			$	327,792			$	2,283,244			$	2,198,129			$	2,584,240			$	2,525,921
Special mention		—				—				24,154				9,805				24,154				9,805
Substandard		—				—				51,104				52,985				51,104				52,985
Total		$	300,996			$	327,792			$	2,358,502			$	2,260,919			$	2,659,498			$	2,588,711

Commercial and Industrial Loans

Credit Risk Profile by Creditworthiness Category

			Total comm. and industrial loans
(In thousands)			June 30, 2019				December 31, 2018
Grade:
Pass			$	1,385,702			$	1,469,139
Special mention			53,543				14,279
Substandard			31,617				29,176
Doubtful			904				944
Total			$	1,471,766			$	1,513,538

Residential Mortgages

Credit Risk Profile by Internally Assigned Grade

		1-4 family								Construction								Total residential mortgages
(In thousands)		June 30, 2019				December 31, 2018				June 30, 2019				December 31, 2018				June 30, 2019				December 31, 2018
Grade:
Pass		$	2,264,398			$	2,314,657			$	9,170			$	9,582			$	2,273,568			$	2,324,239
Special mention		543				1,619				—				—				543				1,619
Substandard		3,504				1,440				—				—				3,504				1,440
Total		$	2,268,445			$	2,317,716			$	9,170			$	9,582			$	2,277,615			$	2,327,298

Consumer Loans

Credit Risk Profile Based on Payment Activity

		Home equity								Auto and other								Total consumer loans
(In thousands)		June 30, 2019				December 31, 2018				June 30, 2019				December 31, 2018				June 30, 2019				December 31, 2018
Performing		$	280,440			$	289,028			$	602,469			$	645,537			$	882,909			$	934,565
Nonperforming		814				933				1,803				1,699				2,617				2,632
Total		$	281,254			$	289,961			$	604,272			$	647,236			$	885,526			$	937,197

Acquired Loans

Commercial Real Estate

Credit Risk Profile by Creditworthiness Category

		Construction								Real Estate								Total commercial real estate
(In thousands)		June 30, 2019				December 31, 2018				June 30, 2019				December 31, 2018				June 30, 2019				December 31, 2018
Grade:
Pass		$	56,384			$	24,519			$	1,231,162			$	743,684			$	1,287,546			$	768,203
Special mention		1,411				—				14,147				9,086				15,558				9,086
Substandard		702				701				42,043				33,520				42,745				34,221
Total		$	58,497			$	25,220			$	1,287,352			$	786,290			$	1,345,849			$	811,510

Commercial and Industrial Loans

Credit Risk Profile by Creditworthiness Category

			Total comm. and industrial loans
(In thousands)			June 30, 2019				December 31, 2018
Grade:
Pass			$	483,151			$	439,602
Special mention			12,893				11,374
Substandard			19,487				15,532
Total			$	515,531			$	466,508

Residential Mortgages

Credit Risk Profile by Internally Assigned Grade

		1-4 family								Construction								Total residential mortgages
(In thousands)		June 30, 2019				December 31, 2018				June 30, 2019				December 31, 2018				June 30, 2019				December 31, 2018
Grade:
Pass		$	590,578			$	235,173			$	8,158			$	174			$	598,736			$	235,347
Special mention		696				144				—				—				696				144
Substandard		5,333				3,635				—				—				5,333				3,635
Total		$	596,607			$	238,952			$	8,158			$	174			$	604,765			$	239,126

Consumer Loans

Credit Risk Profile Based on Payment Activity

		Home equity								Auto and other								Total consumer loans
(In thousands)		June 30, 2019				December 31, 2018				June 30, 2019				December 31, 2018				June 30, 2019				December 31, 2018
Performing		$	121,931			$	85,968			$	58,393			$	72,195			$	180,324			$	158,163
Nonperforming		645				751				309				451				954				1,202
Total		$	122,576			$	86,719			$	58,702			$	72,646			$	181,278			$	159,365

Summary of Information About Total Loans Rated Special Mention or Lower

The following table summarizes information about total loans rated Special Mention or lower as of June 30, 2019 and December 31, 2018. 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.

		June 30, 2019												December 31, 2018
(In thousands)		Business Activities Loans				Acquired Loans				Total				Business Activities Loans				Acquired Loans				Total
Non-Accrual		$	30,704			$	5,067			$	35,771			$	26,478			$	5,947			$	32,425
Substandard Accruing		59,206				63,606				122,812				60,698				48,792				109,490
Total Classified		89,910				68,673				158,583				87,176				54,739				141,915
Special Mention		79,484				29,187				108,671				26,333				20,833				47,166
Total Criticized		$	169,394			$	97,860			$	267,254			$	113,509			$	75,572			$	189,081

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

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Tabular disclosure of allowance for credit loss on financing receivable.

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Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 11B
-URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953423-111524

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 326
-SubTopic 20
-Section 50
-Paragraph 13
-URI http://asc.fasb.org/extlink&oid=119407570&loc=SL82919249-210447

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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/2009/role/commonPracticeRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 326
-SubTopic 20
-Section 50
-Paragraph 5
-URI http://asc.fasb.org/extlink&oid=119407570&loc=SL82919230-210447

Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 29
-URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953659-111524

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