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LOAN LOSS ALLOWANCE (Tables)

12 Months Ended

Dec. 31, 2019

Receivables [Abstract]

Schedule of Activity in the Allowance for Loan Losses

Activity in the allowance for loan losses for 2019, 2018, and 2017 was as follows:

Business Activities Loans 

(In thousands) 2019		Commercial real estate				Commercial and industrial				Residential mortgages				Consumer				Total
Balance at beginning of year		$	21,732			$	16,504			$	10,535			$	7,368			$	56,139
Charged-off loans		6,577				23,799				635				3,322				34,333
Recoveries on charged-off loans		570				1,012				57				253				1,892
Provision for loan losses		9,033				25,404				(1,417		)		458				33,478
Balance at end of year		$	24,758			$	19,121			$	8,540			$	4,757			$	57,176
Individually evaluated for impairment		20				122				109				43				294
Collectively evaluated		24,738				18,999				8,431				4,714				56,882
Total		$	24,758			$	19,121			$	8,540			$	4,757			$	57,176

Business Activities Loans

(In thousands) 2018		Commercial real estate				Commercial and industrial				Residential mortgages				Consumer				Total
Balance at beginning of year		$	16,843			$	13,850			$	9,420			$	5,807			$	45,920
Charged-off loans		5,859				4,275				157				3,187				13,478
Recoveries on charged-off loans		50				620				114				363				1,147
Provision for loan losses		10,698				6,309				1,158				4,385				22,550
Balance at end of year		$	21,732			$	16,504			$	10,535			$	7,368			$	56,139
Individually evaluated for impairment		9				49				128				11				197
Collectively evaluated		21,723				16,455				10,407				7,357				55,942
Total		$	21,732			$	16,504			$	10,535			$	7,368			$	56,139

Business Activities Loans

(In thousands) 2017		Commercial real estate				Commercial and industrial				Residential mortgages				Consumer				Total
Balance at beginning of year		$	16,498			$	9,447			$	7,805			$	5,479			$	39,229
Charged-off loans		3,875				3,373				806				3,470				11,524
Recoveries on charged-off loans		170				179				270				270				889
Provision for loan losses		4,050				7,597				2,151				3,528				17,326
Balance at end of year		$	16,843			$	13,850			$	9,420			$	5,807			$	45,920
Individually evaluated for impairment		229				66				130				35				460
Collectively evaluated		16,614				13,784				9,290				5,772				45,460
Total		$	16,843			$	13,850			$	9,420			$	5,807			$	45,920

Acquired Loans

(In thousands) 2019		Commercial real estate				Commercial and industrial				Residential mortgages				Consumer				Total
Balance at beginning of year		$	3,153			$	1,064			$	630			$	483			$	5,330
Charged-off loans		830				571				263				557				2,221
Recoveries on charged-off loans		672				438				116				123				1,349
Provision for loan losses		1,111				126				365				339				1,941
Balance at end of year		$	4,106			$	1,057			$	848			$	388			$	6,399
Individually evaluated for impairment		97				1				8				12				118
Collectively evaluated		4,009				1,056				840				376				6,281
Total		$	4,106			$	1,057			$	848			$	388			$	6,399

Acquired Loans

(In thousands) 2018		Commercial real estate				Commercial and industrial				Residential mortgages				Consumer				Total
Balance at beginning of year		$	3,856			$	1,125			$	598			$	335			$	5,914
Charged-off loans		1,812				524				1,091				1,106				4,533
Recoveries on charged-off loans		294				286				51				417				1,048
Provision for loan losses		815				177				1,072				837				2,901
Balance at end of year		$	3,153			$	1,064			$	630			$	483			$	5,330
Individually evaluated for impairment		9				4				36				48				97
Collectively evaluated		3,144				1,060				594				435				5,233
Total		$	3,153			$	1,064			$	630			$	483			$	5,330

Acquired Loans

(In thousands) 2017		Commercial real estate				Commercial and industrial				Residential mortgages				Consumer				Total
Balance at beginning of year		$	2,303			$	1,164			$	766			$	536			$	4,769
Charged-off loans		771				844				797				648				3,060
Recoveries on charged-off loans		65				245				43				153				506
Provision for loan losses		2,259				560				586				294				3,699
Balance at end of year		$	3,856			$	1,125			$	598			$	335			$	5,914
Individually evaluated for impairment		56				1				9				45				111
Collectively evaluated		3,800				1,124				589				290				5,803
Total		$	3,856			$	1,125			$	598			$	335			$	5,914

Schedule of Loans by Risk Rating

The following tables present the Company’s loans by risk rating at year-end 2019 and 2018:

Business Activities Loans

Commercial Real Estate

Credit Risk Profile by Creditworthiness Category

		Construction								Real Estate								Total commercial real estate
(In thousands)		2019				2018				2019				2018				2019				2018
Grade:
Pass		$	382,014			$	327,792			$	2,354,375			$	2,198,129			$	2,736,389			$	2,525,921
Special mention		—				—				12,167				9,805				12,167				9,805
Substandard		—				—				48,400				52,985				48,400				52,985
Doubtful		—				—				—				—				—				—
Total		$	382,014			$	327,792			$	2,414,942			$	2,260,919			$	2,796,956			$	2,588,711

Commercial and Industrial Loans

Credit Risk Profile by Creditworthiness Category

		Total comm. and industrial
(In thousands)		2019				2018
Grade:
Pass		$	1,366,342			$	1,469,139
Special mention		50,072				14,279
Substandard		24,112				29,176
Doubtful		2,091				944
Total		$	1,442,617			$	1,513,538

Residential Mortgages

Credit Risk Profile by Internally Assigned Grade

		1-4 family								Construction								Total residential mortgages
(In thousands)		2019				2018				2019				2018				2019				2018
Grade:
Pass		$	2,139,753			$	2,314,657			$	4,641			$	9,582			$	2,144,394			$	2,324,239
Special mention		714				1,619				—				—				714				1,619
Substandard		3,350				1,440				—				—				3,350				1,440
Total		$	2,143,817			$	2,317,716			$	4,641			$	9,582			$	2,148,458			$	2,327,298

Consumer Loans

Credit Risk Profile Based on Payment Activity

		Home equity								Auto and other								Total consumer
(In thousands)		2019				2018				2019				2018				2019				2018
Performing		$	272,772			$	289,028			$	501,871			$	645,537			$	774,643			$	934,565
Nonperforming		1,095				933				2,728				1,699				3,823				2,632
Total		$	273,867			$	289,961			$	504,599			$	647,236			$	778,466			$	937,197

Acquired Loans

Commercial Real Estate

Credit Risk Profile by Creditworthiness Category

		Construction								Real Estate								Total commercial real estate
(In thousands)		2019				2018				2019				2018				2019				2018
Grade:
Pass		$	46,396			$	24,519			$	1,130,333			$	743,684			$	1,176,729			$	768,203
Special mention		—				—				5,993				9,086				5,993				9,086
Substandard		1,396				701				53,195				33,520				54,591				34,221
Total		$	47,792			$	25,220			$	1,189,521			$	786,290			$	1,237,313			$	811,510

Commercial and Industrial Loans

Credit Risk Profile by Creditworthiness Category

		Total comm. and industrial
(In thousands)		2019				2018
Grade:
Pass		$	373,744			$	439,603
Special mention		4,404				11,374
Substandard		19,743				15,532
Total		$	397,891			$	466,509

Residential Mortgages

Credit Risk Profile by Internally Assigned Grade

		1-4 family								Construction								Total residential mortgages
(In thousands)		2019				2018				2019				2018				2019				2018
Grade:
Pass		$	528,282			$	235,173			$	3,478			$	174			$	531,760			$	235,347
Special mention		592				144				—				—				592				144
Substandard		4,662				3,635				—				—				4,662				3,635
Total		$	533,536			$	238,952			$	3,478			$	174			$	537,014			$	239,126

Consumer Loans

Credit Risk Profile Based on Payment Activity

		Home equity								Auto and other								Total consumer
(In thousands)		2019				2018				2019				2018				2019				2018
Performing		$	106,007			$	85,968			$	56,724			$	72,195			$	162,731			$	158,163
Nonperforming		717				751				265				451				982				1,202
Total		$	106,724			$	86,719			$	56,989			$	72,646			$	163,713			$	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. 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.

		2019												2018
(In thousands)		Business Activities Loans				Acquired Loans				Total				Business Activities Loans				Acquired Loans				Total
Non-Accrual		$	32,536			$	7,104			$	39,640			$	26,478			$	5,947			$	32,425
Substandard Accruing		49,293				73,131				122,424				60,698				48,792				109,490
Total Classified		81,829				80,235				162,064				87,176				54,739				141,915
Special Mention		63,943				11,341				75,284				26,333				20,833				47,166
Total Criticized		$	145,772			$	91,576			$	237,348			$	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.

+ References

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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- Definition

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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