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LOANS (Tables)

6 Months Ended

Jun. 30, 2016

LOANS

Schedule of the major classifications of loans

(In thousands)		June 30, 2016				December 31, 2015
Commercial real estate mortgage loans		$	1,016,322			$	999,474
Multi-family mortgage loans			427,277				350,793
Residential real estate mortgage loans			452,370				446,740
Commercial, industrial and agricultural loans			511,517				501,766
Real estate construction and land loans			96,683				91,153
Installment/consumer loans			17,235				17,596
Total loans			2,521,404				2,407,522
Net deferred loan costs and fees			3,522				3,252
			2,524,926				2,410,774
Allowance for loan losses			(22,708	)			(20,744	)
Net loans		$	2,502,218			$	2,390,030

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

		June 30, 2016
(In thousands)		Pass				Special Mention				Substandard				Doubtful				Total
Commercial real estate:
Owner occupied		$	412,605			$	2,541			$	889			$	-			$	416,035
Non-owner occupied			595,001				510				4,776				-				600,287
Multi-Family			427,277				-				-				-				427,277
Residential real estate:
Residential mortgage			382,246				85				2,076				-				384,407
Home equity			66,548				396				1,019				-				67,963
Commercial and Industrial:
Secured			111,975				276				2,085				-				114,336
Unsecured			392,421				2,585				2,175				-				397,181
Real estate construction and land loans			96,343				-				340				-				96,683
Installment/consumer loans			17,135				-				100				-				17,235
Total loans		$	2,501,551			$	6,393			$	13,460			$	-			$	2,521,404

		December 31, 2015
(In thousands)		Pass				Special Mention				Substandard				Doubtful				Total
Commercial real estate:
Owner occupied		$	465,967			$	3,239			$	2,115			$	-			$	471,321
Non-owner occupied			519,124				542				8,487				-				528,153
Multi-Family			350,785				—				8				-				350,793
Residential real estate:
Residential mortgage			377,482				87				845				-				378,414
Home equity			66,910				523				893				-				68,326
Commercial and Industrial:
Secured			121,037				151				2,549				-				123,737
Unsecured			370,642				3,191				4,196				-				378,029
Real estate construction and land loans			91,153				—				—				-				91,153
Installment/consumer loans			17,496				—				100				-				17,596
Total loans		$	2,380,596			$	7,733			$	19,193			$	-			$	2,407,522

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

		June 30, 2016
(In thousands)		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
Commercial real estate:
Owner occupied		$	592			$	-			$	611			$	211			$	1,414			$	414,621			$	416,035
Non-owner occupied			1,855				-				-				-				1,855				598,432				600,287
Multi-Family			-				-				-				-				-				427,277				427,277
Residential real estate:
Residential mortgages			489				419				852				557				2,317				382,090				384,407
Home equity			119				121				223				909				1,372				66,591				67,963
Commercial and Industrial:
Secured			-				-				208				-				208				114,128				114,336
Unsecured			122				46				-				369				537				396,644				397,181
Real estate construction and land loans			-				-				-				-				-				96,683				96,683
Installment/consumer loans			-				1				-				4				5				17,230				17,235
Total loans		$	3,177			$	587			$	1,894			$	2,050			$	7,708			$	2,513,696			$	2,521,404

		December 31, 2015
(In thousands)		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
Commercial real estate:
Owner occupied		$	-			$	-			$	435			$	631			$	1,066			$	470,255			$	471,321
Non-owner occupied			-				-				-				-				-				528,153				528,153
Multi-Family			-				-				-				-				-				350,793				350,793
Residential real estate:
Residential mortgages			939				245				-				62				1,246				377,168				378,414
Home equity			69				100				188				610				967				67,359				68,326
Commercial and Industrial:
Secured			-				-				341				-				341				123,396				123,737
Unsecured			128				24				-				44				196				377,833				378,029
Real estate construction and land loans			-				-				-				-				-				91,153				91,153
Installment/consumer loans			-				-				-				3				3				17,593				17,596
Total loans		$	1,136			$	369			$	964			$	1,350			$	3,819			$	2,403,703			$	2,407,522

Schedule of individually impaired loans by class

		June 30, 2016												Three Months Ended June 30, 2016								Six Months Ended June 30, 2016
(In thousands)		Recorded Investment				Unpaid Principal Balance				Related Allocated Allowance				Average Recorded Investment				Interest Income Recognized				Average Recorded Investment				Interest Income Recognized
With no related allowance recorded:
Commercial real estate:
Owner occupied		$	355			$	550			$	-			$	360			$	3			$	368			$	5
Non-owner occupied			1,229				1,229				-				1,232				18				1,236				37
Residential real estate:
Residential mortgages			557				571				-				558				-				378				-
Home equity			909				1,007				-				884				-				674				-
Commercial and Industrial:
Secured			196				196				-				196				3				163				6
Unsecured			618				618				-				578				5				423				9
Total with no related allowance recorded		$	3,864			$	4,171			$	-			$	3,808			$	29			$	3,242			$	57
With an allowance recorded:
Commercial real estate:
Owner occupied		$	-			$	-			$	-			$	-			$	-			$	-			$	-
Non-owner occupied			-				-				-				-				-				-				-
Residential real estate:
Residential mortgages			-				-				-				-				-				-				-
Home equity			-				-				-				-				-				-				-
Commercial and Industrial:
Secured			-				-				-				-				-				-				-
Unsecured			227				227				143				138				2				102				4
Total with an allowance recorded		$	227			$	227			$	143			$	138			$	2			$	102			$	4
Total:
Commercial real estate:
Owner occupied		$	355			$	550			$	-			$	360			$	3			$	368			$	5
Non-owner occupied			1,229				1,229				-				1,232				18				1,236				37
Residential real estate:
Residential mortgages			557				571				-				558				-				378				-
Home equity			909				1,007				-				884				-				674				-
Commercial and Industrial:
Secured			196				196				-				196				3				163				6
Unsecured			845				845				143				716				7				525				13
Total		$	4,091			$	4,398			$	143			$	3,946			$	31			$	3,344			$	61

		December 31, 2015												Three Months Ended June 30, 2015								Six Months Ended June 30, 2015
(In thousands)		Recorded Investment				Unpaid Principal Balance				Related Allocated Allowance				Average Recorded Investment				Interest Income Recognized				Average Recorded Investment				Interest Income Recognized
With no related allowance recorded:
Commercial real estate:
Owner occupied		$	384			$	564			$	-			$	721			$	2			$	729			$	5
Non-owner occupied			927				928				-				942				16				945				31
Residential real estate:
Residential mortgages			62				73				-				67				-				68				-
Home equity			610				700				-				1,163				-				870				-
Commercial and Industrial:
Secured			96				96				-				113				2				80				2
Unsecured			-				-				-				101				4				107				4
Total with no related allowance recorded		$	2,079			$	2,361			$	-			$	3,107			$	24			$	2,799			$	42
With an allowance recorded:
Commercial real estate:
Owner occupied		$	-			$	-			$	-			$	-			$	-			$	-			$	-
Non-owner occupied			318				318				20				321				4				321				7
Residential real estate:
Residential mortgages			-				-				-				-				-				-				-
Home equity			-				-				-				150				-				100				-
Commercial and Industrial:
Secured			-				-				-				-				-				-				-
Unsecured			194				194				9				129				2				134				5
Total with an allowance recorded		$	512			$	512			$	29			$	600			$	6			$	555			$	12
Total:
Commercial real estate:
Owner occupied		$	384			$	564			$	-			$	721			$	2			$	729				5
Non-owner occupied			1,245				1,246				20				1,263				20				1,266				38
Residential real estate:
Residential mortgages			62				73				-				67				-				68				-
Home equity			610				700				-				1,313				-				970				-
Commercial and Industrial:
Secured			96				96				-				113				2				80				2
Unsecured			194				194				9				230				6				241				9
Total		$	2,591			$	2,873			$	29			$	3,707			$	30			$	3,354			$	54

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

		Three Months Ended								Six Months Ended
		June 30,								June 30,
(In thousands)		2016				2015				2016				2015
Balance at beginning of period		$	6,872			$	7,560			$	7,113			$	8,432
Accretable discount arising from acquisition of PCI loans			-				259				-				259
Accretion			(1,866	)			(1,406	)			(2,658	)			(2,658	)
Reclassification from nonaccretable difference during the period			959				1,117				1,092				1,497
Other			(2	)			-				416				-
Accretable discount at end of period		$	5,963			$	7,530			$	5,963			$	7,530

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.

+ 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

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Tabular disclosure of impaired financing receivables.

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-Publisher FASB
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-SubTopic 10
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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.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
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-URI http://asc.fasb.org/extlink&oid=66008989&loc=d3e5111-111524

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