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LOANS (Tables)

9 Months Ended

Sep. 30, 2017

LOANS

Schedule of the major classifications of loans

(In thousands)		September 30, 2017				December 31, 2016
Commercial real estate mortgage loans		$	1,261,369			$	1,091,752
Multi-family mortgage loans			570,181				518,146
Residential real estate mortgage loans			400,256				364,884
Commercial, industrial and agricultural loans			572,393				524,450
Real estate construction and land loans			93,393				80,605
Installment/consumer loans			19,671				16,368
Total loans			2,917,263				2,596,205
Net deferred loan costs and fees			4,442				4,235
Total loans held for investment			2,921,705				2,600,440
Allowance for loan losses			(29,273	)			(25,904	)
Loans, net		$	2,892,432			$	2,574,536

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

		September 30, 2017
(In thousands)		Pass				Special Mention				Substandard				Doubtful				Total
Commercial real estate:
Owner occupied		$	449,761			$	1,334			$	20,081			$	-			$	471,176
Non-owner occupied			776,497				9,278				4,418				-				790,193
Multi-family			570,181				-				-				-				570,181
Residential real estate:
Residential mortgage			329,338				4,883				373				-				334,594
Home equity			64,134				825				703				-				65,662
Commercial and industrial:
Secured			68,934				16,111				12,009				-				97,054
Unsecured			456,964				10,838				7,537				-				475,339
Real estate construction and land loans			93,070				-				323				-				93,393
Installment/consumer loans			19,553				18				100								19,671
Total loans		$	2,828,432			$	43,287			$	45,544			$	-			$	2,917,263

		December 31, 2016
(In thousands)		Pass				Special Mention				Substandard				Doubtful				Total
Commercial real estate:
Owner occupied		$	404,584			$	18,909			$	722			$	-			$	424,215
Non-owner occupied			643,426				20,035				4,076				-				667,537
Multi-family			518,146				-				-				-				518,146
Residential real estate:
Residential mortgage			299,297				82				370				-				299,749
Home equity			64,195				563				377				-				65,135
Commercial and industrial:
Secured			75,837				31,143				2,254				-				109,234
Unsecured			409,879				2,493				2,844				-				415,216
Real estate construction and land loans			80,272				-				333				-				80,605
Installment/consumer loans			16,268				-				100				-				16,368
Total loans		$	2,511,904			$	73,225			$	11,076			$	-			$	2,596,205

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

		September 30, 2017
(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		$	480			$	-			$	563			$	145			$	1,188			$	469,988			$	471,176
Non-owner occupied			912				-				1,182				-				2,094				788,099				790,193
Multi-family			-				-				-				-				-				570,181				570,181
Residential real estate:
Residential mortgages			1,309				217				-				490				2,016				332,578				334,594
Home equity			145				-				263				199				607				65,055				65,662
Commercial and industrial:
Secured			32				-				436				1,568				2,036				95,018				97,054
Unsecured			75				559				-				5,049				5,683				469,656				475,339
Real estate construction and land loans			-				-				-				-				-				93,393				93,393
Installment/consumer loans			26				-				-				-				26				19,645				19,671
Total loans		$	2,979			$	776			$	2,444			$	7,451			$	13,650			$	2,903,613			$	2,917,263

		December 31, 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		$	222			$	-			$	467			$	184			$	873			$	423,342			$	424,215
Non-owner occupied			-				-				-				-				-				667,537				667,537
Multi-family			-				-				-				-				-				518,146				518,146
Residential real estate:
Residential mortgages			1,232				-				-				770				2,002				297,747				299,749
Home equity			532				-				238				265				1,035				64,100				65,135
Commercial and industrial:
Secured			27				-				204				-				231				109,003				109,234
Unsecured			115				-				118				22				255				414,961				415,216
Real estate construction and land loans			-				-				-				-				-				80,605				80,605
Installment/consumer loans			28				-				-				-				28				16,340				16,368
Total loans		$	2,156			$	-			$	1,027			$	1,241			$	4,424			$	2,591,781			$	2,596,205

Schedule of individually impaired loans by class

		September 30, 2017												Three Months Ended  September 30, 2017								Nine Months Ended  September 30, 2017
(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		$	-			$	-			$	-			$	-			$	-			$	-			$	-
Non-owner occupied			8,896				8,896				-				8,906				100				6,352				298
Residential real estate:
Residential mortgages			-				-				-				-				-				-				-
Home equity			-				-				-				-				-				-				-
Commercial and industrial:
Secured			3,023				3,023				-				3,030				5				1,459				66
Unsecured			333				333				-				342				4				367				12
Total with no related allowance recorded		$	12,252			$	12,252			$	-			$	12,278			$	109			$	8,178			$	376
With an allowance recorded:
Commercial real estate:
Owner occupied		$	-			$	-			$	-			$	-			$	-			$	-			$	-
Non-owner occupied			-				-				-				-				-				-				-
Residential real estate:
Residential mortgages			-				-				-				-				-				-				-
Home equity			-				-				-				-				-				-				-
Commercial and industrial:
Secured			1,216				1,216				646				1,216				6				540				6
Unsecured			4,941				4,941				1,315				3,294				105				1,098				106
Total with an allowance recorded		$	6,157			$	6,157			$	1,961			$	4,510			$	111			$	1,638			$	112
Total:
Commercial real estate:
Owner occupied		$	-			$	-			$	-			$	-			$	-			$	-			$	-
Non-owner occupied			8,896				8,896				-				8,906				100				6,352				298
Residential real estate:
Residential mortgages			-				-				-				-				-				-				-
Home equity			-				-				-				-				-				-				-
Commercial and industrial:
Secured			4,239				4,239				646				4,246				11				1,999				72
Unsecured			5,274				5,274				1,315				3,636				109				1,465				118
Total		$	18,409			$	18,409			$	1,961			$	16,788			$	220			$	9,816			$	488

		December 31, 2016												Three Months Ended  September 30, 2016								Nine Months Ended September 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		$	326			$	538			$	-			$	344			$	2			$	360			$	7
Non-owner occupied			1,213				1,213				-				1,224				20				1,232				57
Residential real estate:
Residential mortgages			520				558				-				555				-				437				-
Home equity			264				285				-				657				-				613				-
Commercial and industrial:
Secured			556				556				-				194				3				173				9
Unsecured			408				408				-				442				6				467				15
Total with no related allowance recorded		$	3,287			$	3,558			$	-			$	3,416			$	31			$	3,282			$	88
With an allowance recorded:
Commercial real estate:
Owner occupied		$	-			$	-			$	-			$	-			$	-			$	-			$	-
Non-owner occupied			-				-				-				-				-				-				-
Residential real estate:
Residential mortgages			-				-				-				-				-				-				-
Home equity			-				-				-				-				-				-				-
Commercial and industrial:
Secured			-				-				-				-				-				-				-
Unsecured			66				66				1				203				1				132				5
Total with an allowance recorded		$	66			$	66			$	1			$	203			$	1			$	132			$	5
Total:
Commercial real estate:
Owner occupied		$	326			$	538			$	-			$	344			$	2			$	360			$	7
Non-owner occupied			1,213				1,213				-				1,224				20				1,232				57
Residential real estate:
Residential mortgages			520				558				-				555				-				437				-
Home equity			264				285				-				657				-				613				-
Commercial and industrial:
Secured			556				556				-				194				3				173				9
Unsecured			474				474				1				645				7				599				20
Total		$	3,353			$	3,624			$	1			$	3,619			$	32			$	3,414			$	93

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

		Three Months Ended								Nine Months Ended
		September 30,								September 30,
(In thousands)		2017				2016				2017				2016
Balance at beginning of period		$	3,966			$	5,963			$	6,915			$	7,113
Accretion			(1,067	)			(559	)			(3,970	)			(3,217	)
Reclassification (to) from nonaccretable difference during the period			(362	)			46				(408	)			1,138
Other			-				-				-				416
Accretable discount at end of period		$	2,537			$	5,450			$	2,537			$	5,450

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=82894031&loc=SL6953803-111525

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Tabular disclosure of impaired financing receivables.

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-Publisher FASB
-Name Accounting Standards Codification
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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
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-URI http://asc.fasb.org/extlink&oid=84173941&loc=d3e5111-111524

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