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v3.20.4

LOANS - Changes in the Allowance for Loan Losses (Details) - USD ($) $ in Thousands | 3 Months Ended | 12 Months Ended
--- | --- | ---
Dec. 31, 2020 | Sep. 30, 2020 | Jun. 30, 2020 | Mar. 31, 2020 | Dec. 31, 2019 | Sep. 30, 2019 | Jun. 30, 2019 | Mar. 31, 2019 | Dec. 31, 2020 | Dec. 31, 2019 | Dec. 31, 2018
Allowance for Loan Losses |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  |  |  | $ 32,786 |  |  |  | $ 31,418 | $ 32,786 | $ 31,418 | $ 31,707
Charge-offs |  |  |  |  |  |  |  |  | (2,012) | (4,482) | (2,841)
Recoveries |  |  |  |  |  |  |  |  | 301 | 150 | 752
Provision for credit losses | $ 500 | $ 1,500 | $ 4,500 | 5,000 | $ 600 | $ 1,000 | $ 3,500 | 600 | 11,500 | 5,700 | 1,800
Ending balance | 44,200 |  |  |  | 32,786 |  |  |  | 44,200 | 32,786 | 31,418
Commercial Real Estate | Mortgage loans |  |  |  |  |  |  |  |  |  |  |
Allowance for Loan Losses |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  |  |  | 12,150 |  |  |  | 10,792 | 12,150 | 10,792 | 11,048
Charge-offs |  |  |  |  |  |  |  |  | (1) | (3,670) |
Recoveries |  |  |  |  |  |  |  |  |  | 1 |
Provision for credit losses |  |  |  |  |  |  |  |  | 4,097 | 5,027 | (256)
Ending balance | 8,534 |  |  |  | 12,150 |  |  |  | 8,534 | 12,150 | 10,792
Multi-family |  |  |  |  |  |  |  |  |  |  |
Allowance for Loan Losses |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  |  |  | 4,829 |  |  |  | 2,566 | 4,829 | 2,566 | 4,521
Provision for credit losses |  |  |  |  |  |  |  |  | 496 | 2,263 | (1,955)
Ending balance | 1,736 |  |  |  | 4,829 |  |  |  | 1,736 | 4,829 | 2,566
Residential Real Estate Loans | Mortgage loans |  |  |  |  |  |  |  |  |  |  |
Allowance for Loan Losses |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  |  |  | 1,882 |  |  |  | 3,935 | 1,882 | 3,935 | 2,438
Charge-offs |  |  |  |  |  |  |  |  |  |  | (24)
Recoveries |  |  |  |  |  |  |  |  | 3 | 112 | 3
Provision for credit losses |  |  |  |  |  |  |  |  | (1,005) | (2,165) | 1,518
Ending balance | 3,062 |  |  |  | 1,882 |  |  |  | 3,062 | 1,882 | 3,935
Commercial, industrial and agricultural: |  |  |  |  |  |  |  |  |  |  |
Allowance for Loan Losses |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  |  |  | 12,583 |  |  |  | 12,722 | 12,583 | 12,722 | 12,838
Charge-offs |  |  |  |  |  |  |  |  | (2,004) | (799) | (2,806)
Recoveries |  |  |  |  |  |  |  |  | 298 | 25 | 747
Provision for credit losses |  |  |  |  |  |  |  |  | 7,787 | 635 | 1,943
Ending balance | 27,363 |  |  |  | 12,583 |  |  |  | 27,363 | 12,583 | 12,722
Real estate construction and land loans |  |  |  |  |  |  |  |  |  |  |
Allowance for Loan Losses |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  |  |  | 1,066 |  |  |  | 1,297 | 1,066 | 1,297 | 740
Provision for credit losses |  |  |  |  |  |  |  |  | (165) | (231) | 557
Ending balance | 2,175 |  |  |  | 1,066 |  |  |  | 2,175 | 1,066 | 1,297
Installment/consumer loans |  |  |  |  |  |  |  |  |  |  |
Allowance for Loan Losses |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  |  |  | $ 276 |  |  |  | $ 106 | 276 | 106 | 122
Charge-offs |  |  |  |  |  |  |  |  | (7) | (13) | (11)
Recoveries |  |  |  |  |  |  |  |  |  | 12 | 2
Provision for credit losses |  |  |  |  |  |  |  |  | 290 | 171 | (7)
Ending balance | 1,330 |  |  |  | $ 276 |  |  |  | 1,330 | $ 276 | $ 106
Effect of adoption | ASU 2016-13 |  |  |  |  |  |  |  |  |  |  |
Allowance for Loan Losses |  |  |  |  |  |  |  |  |  |  |
Ending balance | 1,625 |  |  |  |  |  |  |  | 1,625 |  |
Effect of adoption | Commercial Real Estate | Mortgage loans | ASU 2016-13 |  |  |  |  |  |  |  |  |  |  |
Allowance for Loan Losses |  |  |  |  |  |  |  |  |  |  |
Ending balance | (7,712) |  |  |  |  |  |  |  | (7,712) |  |
Effect of adoption | Multi-family | ASU 2016-13 |  |  |  |  |  |  |  |  |  |  |
Allowance for Loan Losses |  |  |  |  |  |  |  |  |  |  |
Ending balance | (3,589) |  |  |  |  |  |  |  | (3,589) |  |
Effect of adoption | Residential Real Estate Loans | Mortgage loans | ASU 2016-13 |  |  |  |  |  |  |  |  |  |  |
Allowance for Loan Losses |  |  |  |  |  |  |  |  |  |  |
Ending balance | 2,182 |  |  |  |  |  |  |  | 2,182 |  |
Effect of adoption | Commercial, industrial and agricultural: | ASU 2016-13 |  |  |  |  |  |  |  |  |  |  |
Allowance for Loan Losses |  |  |  |  |  |  |  |  |  |  |
Ending balance | 8,699 |  |  |  |  |  |  |  | 8,699 |  |
Effect of adoption | Real estate construction and land loans | ASU 2016-13 |  |  |  |  |  |  |  |  |  |  |
Allowance for Loan Losses |  |  |  |  |  |  |  |  |  |  |
Ending balance | 1,274 |  |  |  |  |  |  |  | 1,274 |  |
Effect of adoption | Installment/consumer loans | ASU 2016-13 |  |  |  |  |  |  |  |  |  |  |
Allowance for Loan Losses |  |  |  |  |  |  |  |  |  |  |
Ending balance | $ 771 |  |  |  |  |  |  |  | $ 771 |  |

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- Definition Amount of recovery of loans and lease receivables which had previously been fully or partially written-off as bad debts. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (c)(4) -URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953423-111524 + Details
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- Definition A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period. + References No definition available. + Details
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- Definition Amount of loans and leases that have been written off from both loan receivables and allowance reserve for credit loss. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (c)(3) -URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953423-111524 + Details
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- Definition Amount of allowance to cover probable credit losses on loans and leases. Includes carryover of or adjustments to the allowance for loan losses in connection with business combinations. Excludes allowance for loans and leases covered under loss sharing agreements. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (g) -URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953423-111524 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 30 -Section 50 -Paragraph 2 -Subparagraph (b)(1)(ii) -URI http://asc.fasb.org/extlink&oid=121614798&loc=d3e15032-111544 Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (c)(1) -URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953423-111524 Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section S99 -Paragraph 4 -Subparagraph (SAB Topic 6.L.1) -URI http://asc.fasb.org/extlink&oid=27010918&loc=d3e74567-122707 + Details
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