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ALLOWANCE FOR LOAN LOSSES (Tables)

9 Months Ended

Sep. 30, 2017

ALLOWANCE FOR LOAN LOSSES

Schedule of allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method

		September 30, 2017
(In thousands)		Commercial Real Estate Mortgage Loans				Multi- Family Loans				Residential Real Estate Mortgage Loans				Commercial, Industrial and Agricultural Loans				Real Estate Construction and Land Loans				Installment/ Consumer Loans				Total
Allowance for loan losses:
Individually evaluated for impairment		$	-			$	-			$	-			$	1,961			$	-			$	-			$	1,961
Collectively evaluated for impairment			10,470				4,840				1,660				9,463				745				134				27,312
Loans acquired with deteriorated credit quality			-				-				-				-				-				-				-
Total allowance for loan losses		$	10,470			$	4,840			$	1,660			$	11,424			$	745			$	134			$	29,273

Loans:
Individually evaluated for impairment		$	8,896			$	-			$	-			$	9,513			$	-			$	-			$	18,409
Collectively evaluated for impairment			1,250,042				567,189				399,677				561,521				93,393				19,671				2,891,493
Loans acquired with deteriorated credit quality			2,431				2,992				579				1,359				-				-				7,361
Total loans		$	1,261,369			$	570,181			$	400,256			$	572,393			$	93,393			$	19,671			$	2,917,263

		December 31, 2016
(In thousands)		Commercial Real Estate Mortgage Loans				Multi- Family Loans				Residential Real Estate Mortgage Loans				Commercial, Industrial and Agricultural Loans				Real Estate Construction and Land Loans				Installment/ Consumer Loans				Total
Allowance for loan losses:
Individually evaluated for impairment		$	-			$	-			$	-			$	1			$	-			$	-			$	1
Collectively evaluated for impairment			9,225				6,264				1,495				7,836				955				128				25,903
Loans acquired with deteriorated credit quality			-				-				-				-				-				-				-
Total allowance for loan losses		$	9,225			$	6,264			$	1,495			$	7,837			$	955			$	128			$	25,904

Loans:
Individually evaluated for impairment		$	1,539			$	-			$	784			$	1,030			$	-			$	-			$	3,353
Collectively evaluated for impairment			1,088,332				514,853				363,230				519,686				80,605				16,368				2,583,074
Loans acquired with deteriorated credit quality			1,881				3,293				870				3,734				-				-				9,778
Total loans		$	1,091,752			$	518,146			$	364,884			$	524,450			$	80,605			$	16,368			$	2,596,205

		Three Months Ended September 30, 2017
														Commercial,
		Commercial								Residential				Industrial				Real Estate
		Real Estate				Multi-				Real Estate				and				Construction				Installment/
		Mortgage				Family				Mortgage				Agricultural				and Land				Consumer
(In thousands)		Loans				Loans				Loans				Loans				Loans				Loans				Total
Allowance for loan losses:
Beginning balance		$	10,579			$	4,846			$	1,486			$	9,970			$	577			$	86			$	27,544
Charge-offs			-				-				-				(124	)			-				(49	)			(173	)
Recoveries			-				-				-				1				-				1				2
Provision			(109	)			(6	)			174				1,577				168				96				1,900
Ending balance		$	10,470			$	4,840			$	1,660			$	11,424			$	745			$	134			$	29,273

		Three Months Ended September 30, 2016
														Commercial,
		Commercial								Residential				Industrial				Real Estate
		Real Estate				Multi-				Real Estate				and				Construction				Installment/
		Mortgage				Family				Mortgage				Agricultural				and Land				Consumer
(In thousands)		Loans				Loans				Loans				Loans				Loans				Loans				Total
Allowance for loan losses:
Beginning balance		$	8,309			$	5,287			$	2,076			$	5,771			$	1,131			$	134			$	22,708
Charge-offs			-				-				(56	)			(377	)			-				-				(433	)
Recoveries			9				-				-				23				-				1				33
Provision			142				1,293				11				790				(219	)			(17	)			2,000
Ending balance		$	8,460			$	6,580			$	2,031			$	6,207			$	912			$	118			$	24,308

		Nine Months Ended September 30, 2017
														Commercial,
		Commercial								Residential				Industrial				Real Estate
		Real Estate				Multi-				Real Estate				and				Construction				Installment/
		Mortgage				Family				Mortgage				Agricultural				and Land				Consumer
(In thousands)		Loans				Loans				Loans				Loans				Loans				Loans				Total
Allowance for loan losses:
Beginning balance		$	9,225			$	6,264			$	1,495			$	7,837			$	955			$	128			$	25,904
Charge-offs			-				-				-				(252	)			-				(49	)			(301	)
Recoveries			-				-				2				16				-				2				20
Provision			1,245				(1,424	)			163				3,823				(210	)			53				3,650
Ending balance		$	10,470			$	4,840			$	1,660			$	11,424			$	745			$	134			$	29,273

		Nine Months Ended September 30, 2016
														Commercial,
		Commercial								Residential				Industrial				Real Estate
		Real Estate				Multi-				Real Estate				and				Construction				Installment/
		Mortgage				Family				Mortgage				Agricultural				and Land				Consumer
(In thousands)		Loans				Loans				Loans				Loans				Loans				Loans				Total
Allowance for loan losses:
Beginning balance		$	7,850			$	4,208			$	2,115			$	5,405			$	1,030			$	136			$	20,744
Charge-offs			-				-				(56	)			(674	)			-				(2	)			(732	)
Recoveries			109				-				2				30				-				5				146
Provision			501				2,372				(30	)			1,446				(118	)			(21	)			4,150
Ending balance		$	8,460			$	6,580			$	2,031			$	6,207			$	912			$	118			$	24,308