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LOAN LOSS ALLOWANCE (Tables)
 9 Months Ended
Sep. 30, 2017
Receivables [Abstract]  
Schedule of Activity in the Allowance for Loan Losses
Activity in the allowance for loan losses for the nine months ended September 30, 2017 and 2016 was as follows:
Business Activities Loans
 
At or for the Nine Months Ended September 30, 2017

(In thousands)
 
Commercial
real estate
 
Commercial and industrial
 
Residential
real estate
 
Consumer
 
Total
Balance at beginning of period
 
$
5,145

 
$
1,952

 
$
2,721

 
$
601

 
$
10,419

Charged-off loans
 
(124
)
 
(189
)
 
(226
)
 
(87
)
 
(626
)
Recoveries on charged-off loans
 
9

 
7

 
65

 
7

 
88

Provision/(releases) for loan losses
 
310

 
405

 
941

 
40

 
1,696

Balance at end of period
 
$
5,340

 
$
2,175

 
$
3,501

 
$
561

 
$
11,577

Individually evaluated for impairment
 
391

 
2

 
44

 
55

 
492

Collectively evaluated
 
4,949

 
2,173

 
3,457

 
506

 
11,085

Total
 
$
5,340

 
$
2,175

 
$
3,501

 
$
561

 
$
11,577



Business Activities Loans
 
At or for the Nine Months Ended September 30, 2016

(In thousands)
 
Commercial
real estate
 
Commercial and industrial
 
Residential
real estate
 
Consumer
 
Total
Balance at beginning of period
 
$
4,430

 
$
1,590

 
$
2,747

 
$
672

 
$
9,439

Charged-off loans
 
(133
)
 
(90
)
 
(141
)
 
(19
)
 
(383
)
Recoveries on charged-off loans
 
35

 
200

 
36

 
22

 
293

Provision/(releases) for loan losses
 
719

 
39

 
38

 
(42
)
 
754

Balance at end of period
 
$
5,051

 
$
1,739

 
$
2,680

 
$
633

 
$
10,103

Individually evaluated for impairment
 
100

 
174

 
87

 
10

 
371

Collectively evaluated
 
4,951

 
1,565

 
2,593

 
623

 
9,732

Total
 
$
5,051

 
$
1,739

 
$
2,680

 
$
633

 
$
10,103





Acquired Loans
 
At or for the Nine Months Ended September 30, 2017

(In thousands)
 
Commercial
real estate
 
Commercial and industrial
 
Residential
real estate
 
Consumer
 
Total
Balance at beginning of period
 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

Charged-off loans
 
(54
)
 
(18
)
 
(31
)
 
(19
)
 
(122
)
Recoveries on charged-off loans
 
—

 
—

 
—

 
—

 
—

Provision/(releases) for loan losses
 
360

 
49

 
67

 
19

 
495

Balance at end of period
 
$
306

 
$
31

 
$
36

 
$
—

 
$
373

Individually evaluated for impairment
 
168

 
—

 
—

 
—

 
168

Collectively evaluated
 
138

 
31

 
36

 
—

 
205

Total
 
$
306

 
$
31

 
$
36

 
$
—

 
$
373
Schedule of Loans by Risk Rating
The following tables present the Company’s loans by risk rating at September 30, 2017 and December 31, 2016:

Business Activities Loans
Commercial Real Estate
Credit Risk Profile by Creditworthiness Category
 
 
Construction and land development
 
Commercial real estate other
 
Total commercial real estate
(In thousands)
 
September 30, 2017
 
December 31, 2016
 
September 30, 2017
 
December 31, 2016
 
September 30, 2017
 
December 31, 2016
Grade:
 
 

 
 

 
 

 
 

 
 

 
 

Pass
 
$
33,008

 
$
14,695

 
$
433,934

 
$
376,968

 
$
466,942

 
$
391,663

Special mention
 
47

 
—

 
6,820

 
5,868

 
6,867

 
5,868

Substandard
 
637

 
—

 
15,093

 
20,588

 
15,730

 
20,588

Total
 
$
33,692

 
$
14,695

 
$
455,847

 
$
403,424

 
$
489,539

 
$
418,119



Commercial and Industrial
Credit Risk Profile by Creditworthiness Category
 
 
 Commercial other
 
 Agricultural and other loans to farmers
 
 Tax exempt loans
 
 Total commercial and industrial
(In thousands)
 
September 30, 2017
 
December 31, 2016
 
September 30, 2017
 
December 31, 2016
 
September 30, 2017
 
December 31, 2016
 
September 30, 2017
 
December 31, 2016
Grade:
 
 

 
 

 
 

 
 

 
 

 
 

 
 
 
 
Pass
 
$
168,608

 
$
98,968

 
$
30,075

 
$
31,279

 
$
40,610

 
$
15,679

 
$
239,293

 
$
145,926

Special mention
 
1,757

 
2,384

 
91

 
251

 
166

 
167

 
2,014

 
2,802

Substandard
 
1,821

 
2,234

 
317

 
278

 
—

 
—

 
2,138

 
2,512

Total
 
$
172,186

 
$
103,586

 
$
30,483

 
$
31,808

 
$
40,776

 
$
15,846

 
$
243,445

 
$
151,240



Acquired Loans
Commercial Real Estate
Credit Risk Profile by Creditworthiness Category
 
 
Commercial construction and land development
 
Commercial real estate other
 
Total commercial real estate
(In thousands)
 
September 30, 2017
 
December 31, 2016
 
September 30, 2017
 
December 31, 2016
 
September 30, 2017
 
December 31, 2016
Grade:
 
 

 
 

 
 

 
 

 
 

 
 

Pass
 
$
15,336

 
$
—

 
$
278,134

 
$
—

 
$
293,470

 
$
—

Special mention
 
233

 
—

 
2,475

 
—

 
2,708

 
—

Substandard
 
24

 
—

 
7,831

 
—

 
7,855

 
—

Total
 
$
15,593

 
$
—

 
$
288,440

 
$
—

 
$
304,033

 
$
—



Commercial and Industrial
Credit Risk Profile by Creditworthiness Category
 
 
 Commercial other
 
 Agricultural and other loans to farmers
 
 Tax exempt loans
 
Total commercial and industrial
(In thousands)
 
September 30, 2017
 
December 31, 2016
 
September 30, 2017
 
December 31, 2016
 
September 30, 2017
 
December 31, 2016
 
September 30, 2017
 
December 31, 2016
Grade:
 
  

 
 
 
  

 
  

 
  

 
  

 
  

 
  

Pass
 
$
63,941

 
$
—

 
$
—

 
$
—

 
$
45,537

 
$
—

 
$
109,478

 
$
—

Special mention
 
2,053

 
—

 
—

 
—

 
—

 
—

 
2,053

 
—

Substandard
 
2,096

 
—

 
—

 
—

 
—

 
—

 
2,096

 
—

Total
 
$
68,090

 
$
—

 
$
—

 
$
—

 
$
45,537

 
$
—

 
$
113,627

 
$
—
Summary of Information About Total Loans Rated Special Mention or Lower
The following table summarizes information about total loans rated Special Mention or higher as of September 30, 2017 and December 31, 2016. The table below includes consumer loans that are special mention and substandard accruing that are classified in the above table as performing based on payment activity.

 
 
September 30, 2017
 
December 31, 2016
(In thousands)
 
Business
Activities Loans
 
Acquired Loans
 
Total
 
Business
Activities Loans
 
Acquired Loans
 
Total
Non-accrual
 
$
5,116

 
$
3,452

 
$
8,568

 
$
2,733

 
$
—

 
$
2,733

Substandard accruing
 
15,774

 
9,627

 
25,401

 
20,368

 
—

 
20,368

Total classified
 
20,890

 
13,079

 
33,969

 
23,101

 
—

 
23,101

Special mention
 
8,864

 
4,762

 
13,626

 
8,669

 
—

 
8,669

Total Criticized
 
$
29,754

 
$
17,841

 
$
47,595

 
$
31,770

 
$
—

 
$
31,770