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ALLOWANCE FOR LOAN LOSSES | 3 Months Ended
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Mar. 31, 2018
ALLOWANCE FOR LOAN LOSSES |
ALLOWANCE FOR LOAN LOSSES | 7. ALLOWANCE FOR LOAN LOSSES The following tables represent the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment, as defined under FASB ASC 310-10, and based on impairment method as of March 31, 2018 and December 31, 2017. The tables include loans acquired from CNB and FNBNY.
|  | March 31, 2018 |
(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 |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 1,708 |  |  | $ | - |  |  | $ | - |  |  | $ | 1,708 |
Collectively evaluated for impairment |  |  | 11,334 |  |  |  | 3,002 |  |  |  | 3,495 |  |  |  | 12,347 |  |  |  | 821 |  |  |  | 105 |  |  |  | 31,104 |
Loans acquired with deteriorated credit quality |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total allowance for loan losses |  | $ | 11,334 |  |  | $ | 3,002 |  |  | $ | 3,495 |  |  | $ | 14,055 |  |  | $ | 821 |  |  | $ | 105 |  |  | $ | 32,812 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 11,316 |  |  | $ | - |  |  | $ | 100 |  |  | $ | 15,638 |  |  | $ | - |  |  | $ | - |  |  | $ | 27,054 |
Collectively evaluated for impairment |  |  | 1,328,676 |  |  |  | 599,964 |  |  |  | 492,454 |  |  |  | 622,646 |  |  |  | 104,496 |  |  |  | 19,078 |  |  |  | 3,167,314 |
Loans acquired with deteriorated credit quality |  |  | - |  |  |  | 1,783 |  |  |  | 599 |  |  |  | 427 |  |  |  | - |  |  |  | - |  |  |  | 2,809 |
Total loans |  | $ | 1,339,992 |  |  | $ | 601,747 |  |  | $ | 493,153 |  |  | $ | 638,711 |  |  | $ | 104,496 |  |  | $ | 19,078 |  |  | $ | 3,197,177 |
|  | December 31, 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 |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 1,708 |  |  | $ | - |  |  | $ | - |  |  | $ | 1,708 |
Collectively evaluated for impairment |  |  | 11,048 |  |  |  | 4,521 |  |  |  | 2,438 |  |  |  | 11,130 |  |  |  | 740 |  |  |  | 122 |  |  |  | 29,999 |
Loans acquired with deteriorated credit quality |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total allowance for loan losses |  | $ | 11,048 |  |  | $ | 4,521 |  |  | $ | 2,438 |  |  | $ | 12,838 |  |  | $ | 740 |  |  | $ | 122 |  |  | $ | 31,707 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 11,162 |  |  | $ | - |  |  | $ | 100 |  |  | $ | 11,230 |  |  | $ | - |  |  | $ | - |  |  | $ | 22,492 |
Collectively evaluated for impairment |  |  | 1,281,837 |  |  |  | 593,645 |  |  |  | 463,575 |  |  |  | 604,329 |  |  |  | 107,759 |  |  |  | 21,041 |  |  |  | 3,072,186 |
Loans acquired with deteriorated credit quality |  |  | 907 |  |  |  | 1,635 |  |  |  | 589 |  |  |  | 444 |  |  |  | - |  |  |  | - |  |  |  | 3,575 |
Total loans |  | $ | 1,293,906 |  |  | $ | 595,280 |  |  | $ | 464,264 |  |  | $ | 616,003 |  |  | $ | 107,759 |  |  | $ | 21,041 |  |  | $ | 3,098,253 |
The following tables represent the changes in the allowance for loan losses for the three months ended March 31, 2018, and 2017, by portfolio segment, as defined under FASB ASC 310-10. The portfolio segments represent the categories that the Bank uses to determine its allowance for loan losses.
|  | Three Months Ended March 31, 2018 |
|  |  |  |  |  |  |  |  |  |  | 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 |  | $ | 11,048 |  |  | $ | 4,521 |  |  | $ | 2,438 |  |  | $ | 12,838 |  |  | $ | 740 |  |  | $ | 122 |  |  | $ | 31,707 |
Charge-offs |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Recoveries |  |  | - |  |  |  | - |  |  |  | 1 |  |  |  | 304 |  |  |  | - |  |  |  | - |  |  |  | 305 |
Provision |  |  | 286 |  |  |  | (1,519 | ) |  |  | 1,056 |  |  |  | 913 |  |  |  | 81 |  |  |  | (17 | ) |  |  | 800 |
Ending balance |  | $ | 11,334 |  |  | $ | 3,002 |  |  | $ | 3,495 |  |  | $ | 14,055 |  |  | $ | 821 |  |  | $ | 105 |  |  | $ | 32,812 |
|  | Three Months Ended March 31, 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 |  |  | - |  |  |  | - |  |  |  | - |  |  |  | (95 | ) |  |  | - |  |  |  | - |  |  |  | (95 | )
Recoveries |  |  | - |  |  |  | - |  |  |  | 1 |  |  |  | 7 |  |  |  | - |  |  |  | 1 |  |  |  | 9 |
Provision |  |  | (868 | ) |  |  | 216 |  |  |  | (81 | ) |  |  | 1,449 |  |  |  | 103 |  |  |  | (19 | ) |  |  | 800 |
Ending balance |  | $ | 8,357 |  |  | $ | 6,480 |  |  | $ | 1,415 |  |  | $ | 9,198 |  |  | $ | 1,058 |  |  | $ | 110 |  |  | $ | 26,618 |

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- References No definition available. + Details
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- Definition The entire disclosure for allowance for credit losses. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -URI http://asc.fasb.org/topic&trid=2196771 + Details
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