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ALLOWANCE FOR LOAN LOSSES | 9 Months Ended
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Sep. 30, 2019
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 September 30, 2019 and December 31, 2018. The tables include loans acquired from CNB and FNBNY.
|  | September 30, 2019
|  |  |  |  |  |  |  | Residential |  | Commercial, |  | Real Estate |  |  |  |  |  |
|  | Commercial |  |  |  |  | Real Estate |  | Industrial and |  | Construction |  | Installment/ |  |  |
|  | Real Estate |  | Multi-family |  | Mortgage |  | Agricultural |  | and Land |  | Consumer |  |
(In thousands) |  | Mortgage Loans |  | Loans |  | Loans |  | Loans |  | Loans |  | Loans |  | Total
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | — |  | $ | — |  | $ | — |  | $ | 4,689 |  | $ | — |  | $ | — |  | $ | 4,689
Collectively evaluated for impairment |  |  | 11,929 |  |  | 2,990 |  |  | 1,908 |  |  | 9,392 |  |  | 998 |  |  | 267 |  |  | 27,484
Loans acquired with deteriorated credit quality |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total allowance for loan losses |  | $ | 11,929 |  | $ | 2,990 |  | $ | 1,908 |  | $ | 14,081 |  | $ | 998 |  | $ | 267 |  | $ | 32,173
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 11,160 |  | $ | — |  | $ | — |  | $ | 21,549 |  | $ | — |  | $ | — |  | $ | 32,709
Collectively evaluated for impairment |  |  | 1,508,647 |  |  | 673,909 |  |  | 497,504 |  |  | 646,400 |  |  | 116,463 |  |  | 24,998 |  |  | 3,467,921
Loans acquired with deteriorated credit quality |  |  | — |  |  | — |  |  | 338 |  |  | — |  |  | — |  |  | — |  |  | 338
Total loans |  | $ | 1,519,807 |  | $ | 673,909 |  | $ | 497,842 |  | $ | 667,949 |  | $ | 116,463 |  | $ | 24,998 |  | $ | 3,500,968
|  | December 31, 2018
|  |  |  |  |  |  |  | Residential |  | Commercial, |  | Real Estate |  |  |  |  |  |
|  | Commercial |  |  |  |  | Real Estate |  | Industrial and |  | Construction |  | Installment/ |  |  |
|  | Real Estate |  | Multi-family |  | Mortgage |  | Agricultural |  | and Land |  | Consumer |  |  |
(In thousands) |  | Mortgage Loans |  | Loans |  | Loans |  | Loans |  | Loans |  | Loans |  | Total
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | — |  | $ | — |  | $ | — |  | $ | 189 |  | $ | — |  | $ | — |  | $ | 189
Collectively evaluated for impairment |  |  | 10,792 |  |  | 2,566 |  |  | 3,935 |  |  | 12,533 |  |  | 1,297 |  |  | 106 |  |  | 31,229
Loans acquired with deteriorated credit quality |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total allowance for loan losses |  | $ | 10,792 |  | $ | 2,566 |  | $ | 3,935 |  | $ | 12,722 |  | $ | 1,297 |  | $ | 106 |  | $ | 31,418
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 3,084 |  | $ | — |  | $ | — |  | $ | 16,271 |  | $ | — |  | $ | — |  | $ | 19,355
Collectively evaluated for impairment |  |  | 1,370,472 |  |  | 585,827 |  |  | 519,455 |  |  | 629,229 |  |  | 123,393 |  |  | 20,509 |  |  | 3,248,885
Loans acquired with deteriorated credit quality |  |  | — |  |  | — |  |  | 308 |  |  | 224 |  |  | — |  |  | — |  |  | 532
Total loans |  | $ | 1,373,556 |  | $ | 585,827 |  | $ | 519,763 |  | $ | 645,724 |  | $ | 123,393 |  | $ | 20,509 |  | $ | 3,268,772
The following tables represent the changes in the allowance for loan losses for the three and nine months ended September 30, 2019 and 2018, 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 September 30, 2019
|  |  |  |  |  |  | Residential |  | Commercial, |  | Real Estate |  |  |  |  |
|  | Commercial |  |  |  |  | Real Estate |  | Industrial and |  | Construction |  | Installment/ |  |  |
|  | Real Estate |  | Multi-family |  | Mortgage |  | Agricultural |  | and Land |  | Consumer |  |  |
(In thousands) |  | Mortgage Loans |  | Loans |  | Loans |  | Loans |  | Loans |  | Loans |  | Total
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 10,878 |  | $ | 2,545 |  | $ | 2,620 |  | $ | 13,558 |  | $ | 1,333 |  | $ | 237 |  | $ | 31,171
Charge-offs |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (9) |  |  | (9)
Recoveries |  |  | — |  |  | — |  |  | 1 |  |  | — |  |  | — |  |  | 10 |  |  | 11
Provision (Credit) |  |  | 1,051 |  |  | 445 |  |  | (713) |  |  | 523 |  |  | (335) |  |  | 29 |  |  | 1,000
Ending balance |  | $ | 11,929 |  | $ | 2,990 |  | $ | 1,908 |  | $ | 14,081 |  | $ | 998 |  | $ | 267 |  | $ | 32,173
|  | Three Months Ended September 30, 2018
|  |  |  |  |  |  |  | Residential |  | Commercial, |  | Real Estate |  |  |  |  |  |
|  | Commercial |  |  |  |  | Real Estate |  | Industrial and |  | Construction |  | Installment/ |  |  |
|  | Real Estate |  | Multi-family |  | Mortgage |  | Agricultural |  | and Land |  | Consumer |  |  |
(In thousands) |  | Mortgage Loans |  | Loans |  | Loans |  | Loans |  | Loans |  | Loans |  | Total
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 11,206 |  | $ | 2,466 |  | $ | 4,237 |  | $ | 12,358 |  | $ | 1,263 |  | $ | 122 |  | $ | 31,652
Charge-offs |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (4) |  |  | (4)
Recoveries |  |  | — |  |  | — |  |  | 1 |  |  | 19 |  |  | — |  |  | 1 |  |  | 21
Provision (Credit) |  |  | 203 |  |  | 327 |  |  | 205 |  |  | (569) |  |  | 38 |  |  | (4) |  |  | 200
Ending balance |  | $ | 11,409 |  | $ | 2,793 |  | $ | 4,443 |  | $ | 11,808 |  | $ | 1,301 |  | $ | 115 |  | $ | 31,869
|  | Nine Months Ended September 30, 2019
|  |  |  |  |  |  |  | Residential |  | Commercial, |  | Real Estate |  |  |  |  |  |
|  | Commercial |  |  |  |  | Real Estate |  | Industrial and |  | Construction |  | Installment/ |  |  |
|  | Real Estate |  | Multi-family |  | Mortgage |  | Agricultural |  | and Land |  | Consumer |  |  |
(In thousands) |  | Mortgage Loans |  | Loans |  | Loans |  | Loans |  | Loans |  | Loans |  | Total
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 10,792 |  | $ | 2,566 |  | $ | 3,935 |  | $ | 12,722 |  | $ | 1,297 |  | $ | 106 |  | $ | 31,418
Charge-offs |  |  | (3,670) |  |  | — |  |  | — |  |  | (796) |  |  | — |  |  | (13) |  |  | (4,479)
Recoveries |  |  | — |  |  | — |  |  | 112 |  |  | 12 |  |  | — |  |  | 10 |  |  | 134
Provision (Credit) |  |  | 4,807 |  |  | 424 |  |  | (2,139) |  |  | 2,143 |  |  | (299) |  |  | 164 |  |  | 5,100
Ending balance |  | $ | 11,929 |  | $ | 2,990 |  | $ | 1,908 |  | $ | 14,081 |  | $ | 998 |  | $ | 267 |  | $ | 32,173
|  | Nine Months Ended September 30, 2018
|  |  |  |  |  |  |  | Residential |  | Commercial, |  | Real Estate |  |  |  |  |  |
|  | Commercial |  |  |  |  | Real Estate |  | Industrial and |  | Construction |  | Installment/ |  |  |
|  | Real Estate |  | Multi-family |  | Mortgage |  | Agricultural |  | and Land |  | Consumer |  |  |
(In thousands) |  | Mortgage 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 |  |  | — |  |  | — |  |  | (24) |  |  | (1,708) |  |  | — |  |  | (4) |  |  | (1,736)
Recoveries |  |  | — |  |  | — |  |  | 2 |  |  | 494 |  |  | — |  |  | 2 |  |  | 498
Provision (Credit) |  |  | 361 |  |  | (1,728) |  |  | 2,027 |  |  | 184 |  |  | 561 |  |  | (5) |  |  | 1,400
Ending balance |  | $ | 11,409 |  | $ | 2,793 |  | $ | 4,443 |  | $ | 11,808 |  | $ | 1,301 |  | $ | 115 |  | $ | 31,869

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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://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -URI http://asc.fasb.org/topic&trid=2196771 + Details
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Namespace Prefix: | us-gaap_
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