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LOAN LOSS ALLOWANCE (Tables)

3 Months Ended

Mar. 31, 2018

Receivables [Abstract]

Schedule of Activity in the Allowance for Loan Losses

Activity in the allowance for loan losses for the three months ended March 31, 2018 and 2017 was as follows:

Business Activities Loans		At or for the Three Months Ended March 31, 2018
(in thousands)		Commercial real estate				Commercial and industrial				Residential real estate				Consumer				Total
Balance at beginning of period		$	6,037			$	2,373			$	3,357			$	386			$	12,153
Charged-off loans		—				(84		)		—				(170		)		(254		)
Recoveries on charged-off loans		15				2				1				2				20
Provision/(releases) for loan losses		(54		)		321				(54		)		282				495
Balance at end of period		$	5,998			$	2,612			$	3,304			$	500			$	12,414
Individually evaluated for impairment		433				132				84				—				649
Collectively evaluated		5,565				2,480				3,220				500				11,765
Total		$	5,998			$	2,612			$	3,304			$	500			$	12,414

Business Activities Loans		At or for the Three Months Ended March 31, 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		(107		)		(17		)		(199		)		(21		)		(344		)
Recoveries on charged-off loans		4				—				1				9				14
Provision/(releases) for loan losses		265				208				283				39				795
Balance at end of period		$	5,307			$	2,143			$	2,806			$	628			$	10,884
Individually evaluated for impairment		302				172				45				8				527
Collectively evaluated		5,005				1,971				2,761				620				10,357
Total		$	5,307			$	2,143			$	2,806			$	628			$	10,884

Acquired Loans		At or for the Three Months Ended March 31, 2018
(in thousands)		Commercial real estate				Commercial and industrial				Residential real estate				Consumer				Total
Balance at beginning of period		$	97			$	16			$	59			$	—			$	172
Charged-off loans		(106		)		(58		)		—				(43		)		(207		)
Recoveries on charged-off loans		—				—				—				—				—
Provision/(releases) for loan losses		92				166				(1		)		43				300
Balance at end of period		$	83			$	124			$	58			$	—			$	265
Individually evaluated for impairment		—				121				—				—				121
Collectively evaluated		83				3				58				—				144
Total		$	83			$	124			$	58			$	—			$	265

Schedule of Loans by Risk Rating

The following tables present the Company’s loans by risk rating at March 31, 2018 and December 31, 2017:

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)		Mar 31, 2018				Dec 31, 2017				Mar 31, 2018				Dec 31, 2017				Mar 31, 2018				Dec 31, 2017
Grade:
Pass		$	30,433			$	28,180			$	489,702			$	483,711			$	520,135			$	511,891
Special mention		73				73				7,740				5,706				7,813				5,779
Substandard		567				639				14,651				15,702				15,218				16,341
Total		$	31,073			$	28,892			$	512,093			$	505,119			$	543,166			$	534,011

Commercial and Industrial

Credit Risk Profile by Creditworthiness Category

		Commercial other								Agricultural								Tax exempt loans								Total commercial and industrial
(in thousands)		Mar 31, 2018				Dec 31, 2017				Mar 31, 2018				Dec 31, 2017				Mar 31, 2018				Dec 31, 2017				Mar 31, 2018				Dec 31, 2017
Grade:
Pass		$	206,217			$	194,147			$	25,700			$	27,046			$	42,935			$	42,208			$	274,852			$	263,401
Special mention		2,115				1,933				68				63				157				157				2,340				2,153
Substandard		1,972				1,971				541				479				—				—				2,513				2,450
Total		$	210,304			$	198,051			$	26,309			$	27,588			$	43,092			$	42,365			$	279,705			$	268,004

Residential Real Estate and Consumer Loans

Credit Risk Profile Based on Payment Activity

		Residential real estate								Home equity								Other consumer								Total Residential real estate and consumer
(in thousands)		Mar 31, 2018				Dec 31, 2017				Mar 31, 2018				Dec 31, 2017				Mar 31, 2018				Dec 31, 2017				Mar 31, 2018				Dec 31, 2017
Performing		$	581,938			$	588,003			$	51,476			$	51,246			$	7,471			$	7,733			$	640,885			$	646,982
Nonperforming		6,527				3,408				624				130				109				95				7,260				3,633
Total		$	588,465			$	591,411			$	52,100			$	51,376			$	7,580			$	7,828			$	648,145			$	650,615

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)		Mar 31, 2018				Dec 31, 2017				Mar 31, 2018				Dec 31, 2017				Mar 31, 2018				Dec 31, 2017
Grade:
Pass		$	14,436			$	16,523			$	256,806			$	266,477			$	271,242			$	283,000
Special mention		81				235				2,543				2,440				2,624				2,675
Substandard		283				23				7,406				7,037				7,689				7,060
Total		$	14,800			$	16,781			$	266,755			$	275,954			$	281,555			$	292,735

Commercial and Industrial

Credit Risk Profile by Creditworthiness Category

		Commercial other								Agricultural								Tax exempt loans								Total commercial and industrial
(in thousands)		Mar 31, 2018				Dec 31, 2017				Mar 31, 2018				Dec 31, 2017				Mar 31, 2018				Dec 31, 2017				Mar 31, 2018				Dec 31, 2017
Grade:
Pass		$	58,199			$	60,300			$	—			$	—			$	42,302			$	43,350			$	100,501			$	103,650
Special mention		5,003				5,753				—				—				—				—				5,003				5,753
Substandard		1,996				2,016				—				—				—				—				1,996				2,016
Total		$	65,198			$	68,069			$	—			$	—			$	42,302			$	43,350			$	107,500			$	111,419

Residential Real Estate and Consumer Loans

Credit Risk Profile Based on Payment Activity

		Residential real estate								Home equity								Other consumer								Total Residential real estate and consumer
(in thousands)		Mar 31, 2018				Dec 31, 2017				Mar 31, 2018				Dec 31, 2017				Mar 31, 2018				Dec 31, 2017				Mar 31, 2018				Dec 31, 2017
Performing		$	541,464			$	562,516			$	57,490			$	62,000			$	2,015			$	2,283			$	600,969			$	626,799
Nonperforming		3,049				1,755				277				217				55				58				3,381				2,030
Total		$	544,513			$	564,271			$	57,767			$	62,217			$	2,070			$	2,341			$	604,350			$	628,829

Summary of Information About Total Loans Rated Special Mention or Lower

The following table summarizes information about total classified and criticized loans loans as of March 31, 2018 and December 31, 2017:

		March 31, 2018												December 31, 2017
(in thousands)		Business Activities Loans				Acquired  Loans				Total				Business Activities Loans				Acquired  Loans				Total
Non-accrual		$	17,003			$	3,336			$	20,339			$	12,140			$	2,156			$	14,296
Substandard accruing		7,988				6,145				14,133				10,284				7,833				18,117
Total classified		24,991				9,481				34,472				22,424				9,989				32,413
Special mention		10,153				7,627				17,780				7,932				8,428				16,360
Total Criticized		$	35,144			$	17,108			$	52,252			$	30,356			$	18,417			$	48,773

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- Definition

Tabular disclosure of financing receivables, rated as special mention or lower.

+ References

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- Definition

Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 11B
-URI http://asc.fasb.org/extlink&oid=84173941&loc=SL6953423-111524

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- Definition

Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 55
-Paragraph 19
-URI http://asc.fasb.org/extlink&oid=82894031&loc=SL6953803-111525

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 29
-URI http://asc.fasb.org/extlink&oid=84173941&loc=SL6953659-111524

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