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LOANS (Tables)

9 Months Ended

Sep. 30, 2015

LOANS

Schedule of the major classifications of loans

		September 30, 2015				December 31, 2014
(In thousands)
Commercial real estate mortgage loans		$	1,029,729			$	595,397
Multi-family mortgage loans			298,910				218,985
Residential real estate mortgage loans			384,452				156,156
Commercial, financial, and agricultural loans			473,814				291,743
Real estate-construction and land loans			93,667				63,556
Installment/consumer loans			17,667				10,124
Total loans			2,298,239				1,335,961
Net deferred loan costs and fees			3,078				2,366
			2,301,317				1,338,327
Allowance for loan losses			(20,187	)			(17,637	)
Net loans		$	2,281,130			$	1,320,690

Schedule of loans by class categorized by internally assigned credit risk grades

		Grades:
September 30, 2015		Pass				Special Mention				Substandard				Doubtful				Total
(In thousands)
Commercial real estate:
Owner occupied		$	461,748			$	3,266			$	3,861			$	—			$	468,875
Non-owner occupied			557,212				560				3,082				—				560,854
Multi-Family			298,899				3				8				—				298,910
Residential real estate:
Residential mortgage			316,175				—				852				—				317,027
Home equity			66,090				366				969				—				67,425
Commercial:
Secured			121,330				161				2,125				—				123,616
Unsecured			343,822				3,426				2,950				—				350,198
Real estate construction and land loans			93,667				—				—				—				93,667
Installment/consumer loans			17,567				—				100				—				17,667
Total loans		$	2,276,510			$	7,782			$	13,947			$	—			$	2,298,239

		Grades:
December 31, 2014		Pass				Special Mention				Substandard				Doubtful				Total
(In thousands)
Commercial real estate:
Owner occupied		$	243,512			$	7,133			$	5,963			$	—			$	256,608
Non-owner occupied			334,790				171				3,828				—				338,789
Multi-Family			217,855				202				928				—				218,985
Residential real estate:
Residential mortgage			88,405				—				1,613								90,018
Home equity			64,994				212				932								66,138
Commercial:
Secured			91,007				621				2,339				—				93,967
Unsecured			191,942				4,168				1,666				—				197,776
Real estate construction and land loans			63,190				—				366				—				63,556
Installment/consumer loans			9,921				100				103				—				10,124
Total loans		$	1,305,616			$	12,607			$	17,738			$	—			$	1,335,961

Schedule of the aging of the recorded investment in past due loans by class of loans

September 30, 2015		30-59 Days Past  Due				60-89 Days Past Due				>90 Days Past Due and Accruing				Nonaccrual Including 90 Days or More Past Due				Total Past Due and Nonaccrual				Current				Total Loans
(In thousands)
Commercial real estate:
Owner occupied		$	168			$	—			$	1,450			$	546			$	2,164			$	466,711				468,875
Non-owner occupied			102				—				—				—				102				560,752				560,854
Multi-Family			—				—				—				—				—				298,910				298,910
Residential real estate:
Residential mortgages			1,607				87				—				64				1,758				315,269				317,027
Home equity			98				41				158				719				1,016				66,409				67,425
Commercial and Industrial:
Secured			—				300				176				—				476				123,140				123,616
Unsecured			15				219				2,338				69				2,641				347,557				350,198
Real estate construction and land loans			—				—				—				—				—				93,667				93,667
Installment/consumer loans			10				—				—				—				10				17,657				17,667
Total loans		$	2,000			$	647			$	4,122			$	1,398			$	8,167			$	2,290,072			$	2,298,239

December 31, 2014		30-59 Days Past Due				60-89 Days Past Due				>90 Days Past Due and Accruing				Nonaccrual Including 90 Days or More Past  Due				Total Past Due and Nonaccrual				Current				Total Loans
(In thousands)
Commercial real estate:
Owner occupied		$	—			$	184			$	—			$	595			$	779			$	255,829				256,608
Non-owner occupied			181				—				10				10				201				338,588				338,789
Multi-Family			—				—				—				—				—				218,985				218,985
Residential real estate:
Residential mortgages			—				—				—				143				143				89,875				90,018
Home equity			919				—				134				374				1,427				64,711				66,138
Commercial and Industrial:
Secured			—				—				—				—				—				93,967				93,967
Unsecured			25				—				—				222				247				197,529				197,776
Real estate construction and land loans			—				—				—				—				—				63,556				63,556
Installment/consumer loans			1				—				—				3				4				10,120				10,124
Total loans		$	1,126			$	184			$	144			$	1,347			$	2,801			$	1,333,160			$	1,335,961

Schedule of individually impaired loans by class

		September 30, 2015												Nine Months Ended September 30, 2015								Three Months Ended September 30, 2015
		Recorded Investment				Unpaid Principal Balance				Related Allocated Allowance				Average Recorded Investment				Interest Income Recognized				Average Recorded Investment				Interest Income Recognized
(In thousands)
With no related allowance recorded:
Commercial real estate:
Owner occupied		$	694			$	1,186			$	—			$	720			$	8			$	702			$	3
Non-owner occupied			934				934				—				942				46				936				15
Residential real estate:
Residential mortgages			64				74				—				67				—				65				—
Home equity			732				951				—				636				—				734				—
Commercial:
Secured			110				110				—				91				4				111				2
Total with no related allowance recorded			2,534				3,255				—				2,456				58				2,548				20
With an allowance recorded:
Commercial real estate - Non-owner occupied			319				319				21				321				11				319				4
Commercial Unsecured			212				212				2				231				13				211				4
Total with an allowance recorded:			531				531				23				552				24				530				8
Total:
Commercial real estate:
Owner occupied			694				1,186				—				720				8				702				3
Non-owner occupied			1,253				1,253				21				1,263				57				1,255				19
Residential real estate:
Residential mortgages			64				74				—				67				—				65				—
Home equity			732				951				—				636				—				734				—
Commercial:
Secured			110				110				—				91				4				111				2
Unsecured			212				212				2				231				13				211				4
Total		$	3,065			$	3,786			$	23			$	3,008			$	82			$	3,078			$	28

		December 31, 2014												Nine Months Ended September 30, 2014								Three Months Ended September 30, 2014
		Recorded Investment				Unpaid Principal Balance				Related Allocated Allowance				Average Recorded Investment				Interest  Income Recognized				Average Recorded Investment				Interest Income Recognized
(In thousands)
With no related allowance recorded:
Commercial real estate:
Owner occupied		$	3,562			$	3,707			$	—			$	4,010			$	85			$	3,909			$	28
Non-owner occupied			1,251				1,568				—				964				48				959				16
Residential real estate:
Residential mortgages			143				231				—				834				—				815				—
Home equity			169				377				—				691				—				651				—
Commercial:
Secured			345				345				—				356				19				351				6
Unsecured			—				—				—				177				9				196				3
Total with no related allowance recorded			5,470				6,228				—			$	7,032			$	161			$	6,881			$	53
With an allowance recorded:
Commercial real estate - Non-owner occupied			323				323				23				—				—				—				—
Residential real estate - Residential mortgage			—				—				—				—				—				—				—
Residential real estate - Home equity			72				89				72				76				—				74				—
Commercial-Unsecured			337				339				79				—				—				—				—
Total with an allowance recorded:			732				751				174				76				—				74				—
Total:
Commercial real estate:
Owner occupied			3,562				3,707				—				4,010				85				3,909				28
Non-owner occupied			1,574				1,891				23				964				48				959				16
Residential real estate:
Residential mortgages			143				231				—				834				—				815				—
Home equity			241				466				72				767				—				725				—
Commercial:
Secured			345				345				—				356				19				351				6
Unsecured			337				339				79				177				9				196				3
Total		$	6,202			$	6,979			$	174			$	7,108			$	161			$	6,955			$	53

Summary of activity in the accretable yield for the purchased credit impaired loans

		Three Months Ended								Nine Months Ended
		September 30,								September 30,
		2015				2014				2015				2014
(In thousands)
Balance at beginning of period		$	7,530			$	7,614			$	8,432			$	—
Accretable discount arising from acquisition of PCI loans			—				—				259				6,458
Accretion			(658	)			(437	)			(3,316	)			(1,213	)
Reclassification from (to) nonaccretable difference during the period			654				(1,120	)			2,151				812
Accretable discount at end of period		$	7,526			$	6,057			$	7,526			$	6,057

X

- Definition

Tabular disclosure of changes in the aggregate excess of loan's cash flows expected to be collected over the investor's initial investment in the loan. This relates to loans not accounted for as debt securities, with evidence of deterioration of credit quality since origination that were acquired by completion of a transfer for which it is probable, at acquisition, that the investor will be unable to collect all contractually required payments receivable.

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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.

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-Name Accounting Standards Codification



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-SubTopic 10



-Section 55



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Tabular disclosure of impaired financing receivables.

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Tabular disclosure of financing receivables that are past due but not impaired, financing receivables that are 90 days past due and still accruing, and financing receivables on nonaccrual status.

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