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LOAN LOSS ALLOWANCE (Tables)

12 Months Ended

Dec. 31, 2018

Receivables [Abstract]

Schedule of Activity in the Allowance for Loan Losses

Activity in the allowance for loan losses for the twelve months ended December 31, 2018, 2017 and 2016 was as follows:

Business Activities Loans		At or for the Twelve Months Ended December 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		(417		)		(111		)		(225		)		(629		)		(1,382		)
Recoveries on charged-off loans		275				76				166				18				535
Provision/(releases) for loan losses		916				42				684				633				2,275
Balance at end of period		$	6,811			$	2,380			$	3,982			$	408			$	13,581
Individually evaluated for impairment		422				78				111				—				611
Collectively evaluated		6,389				2,302				3,871				408				12,970
Total		$	6,811			$	2,380			$	3,982			$	408			$	13,581

Acquired Loans		At or for the Twelve Months Ended December 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		(136		)		(166		)		(158		)		(65		)		(525		)
Recoveries on charged-off loans		43				7				—				83				133
Provision/(releases) for loan losses		169				178				176				(18		)		505
Balance at end of period		$	173			$	35			$	77			$	—			$	285
Individually evaluated for impairment		—				—				41				—				41
Collectively evaluated		173				35				36				—				244
Total		$	173			$	35			$	77			$	—			$	285

Business Activities Loans		At or for the Twelve Months Ended December 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		(124		)		(189		)		(226		)		(162		)		(701		)
Recoveries on charged-off loans		49				11				65				18				143
Provision/(releases) for loan losses		967				599				797				(71		)		2,292
Balance at end of period		$	6,037			$	2,373			$	3,357			$	386			$	12,153
Individually evaluated for impairment		447				3				9				—				459
Collectively evaluated		5,590				2,370				3,348				386				11,694
Total		$	6,037			$	2,373			$	3,357			$	386			$	12,153

Acquired Loans		At or for the Twelve Months Ended December 31, 2017
(in thousands)		Commercial real estate				Commercial and industrial				Residential real estate				Consumer				Total
Balance at beginning of period		$	—			$	—			$	—			$	—			$	—
Charged-off loans		(151		)		(18		)		(29		)		(127		)		(325		)
Recoveries on charged-off loans		1				—				—				—				1
Provision/(releases) for loan losses		247				34				88				127				496
Balance at end of period		$	97			$	16			$	59			$	—			$	172
Individually evaluated for impairment		—				—				—				—				—
Collectively evaluated		97				16				59				—				172
Total		$	97			$	16			$	59			$	—			$	172

Business Activities Loans		At or for the Twelve Months Ended December 31, 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		)		(47		)		(411		)
Recoveries on charged-off loans		40				289				44				39				412
Provision/(releases) for loan losses		808				163				71				(63		)		979
Balance at end of period		$	5,145			$	1,952			$	2,721			$	601			$	10,419
Individually evaluated for impairment		193				173				49				9				424
Collectively evaluated		4,952				1,779				2,672				592				9,995
Total		$	5,145			$	1,952			$	2,721			$	601			$	10,419

Schedule of Loans by Risk Rating

The following tables present the Company’s commercial loans by risk rating at December 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)		December 31, 2018				December 31, 2017				December 31, 2018				December 31, 2017				December 31, 2018				December 31, 2017
Grade:
Pass		$	23,680			$	28,180			$	532,386			$	483,711			$	556,066			$	511,891
Special mention		73				73				8,319				5,706				8,392				5,779
Substandard		—				639				13,914				15,702				13,914				16,341
Doubtful		1				—				1,361				—				1,362				—
Total		$	23,754			$	28,892			$	555,980			$	505,119			$	579,734			$	534,011

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)		December 31, 2018				December 31, 2017				December 31, 2018				December 31, 2017				December 31, 2018				December 31, 2017				December 31, 2018				December 31, 2017
Grade:
Pass		$	226,353			$	194,147			$	21,680			$	27,046			$	56,588			$	42,208			$	304,621			$	263,401
Special mention		6,730				1,933				215				63				—				157				6,945				2,153
Substandard		924				1,971				422				479				—				—				1,346				2,450
Doubtful		750				—				—				—				—				—				750				—
Total		$	234,757			$	198,051			$	22,317			$	27,588			$	56,588			$	42,365			$	313,662			$	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)		Dec 31, 2018				Dec 31, 2017				Dec 31, 2018				Dec 31, 2017				Dec 31, 2018				Dec 31, 2017				Dec 31, 2018				Dec 31, 2017
Performing		$	665,976			$	588,003			$	57,652			$	51,246			$	9,324			$	7,733			$	732,952			$	646,982
Non-performing		4,213				3,408				246				130				90				95				4,549				3,633
Total		$	670,189			$	591,411			$	57,898			$	51,376			$	9,414			$	7,828			$	737,501			$	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)		December 31, 2018				December 31, 2017				December 31, 2018				December 31, 2017				December 31, 2018				December 31, 2017
Grade:
Pass		$	2,626			$	16,523			$	236,393			$	266,477			$	239,019			$	283,000
Special mention		—				235				1,574				2,440				1,574				2,675
Substandard		264				23				6,009				7,037				6,273				7,060
Doubtful		—				—				99				—				99				—
Total		$	2,890			$	16,781			$	244,075			$	275,954			$	246,965			$	292,735

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)		December 31, 2018				December 31, 2017				December 31, 2018				December 31, 2017				December 31, 2018				December 31, 2017				December 31, 2018				December 31, 2017
Grade:
Pass		$	46,120			$	60,300			$	—			$	—			$	38,738			$	43,350			$	84,858			$	103,650
Special mention		4,825				5,753				—				—				—				—				4,825				5,753
Substandard		1,222				2,016				—				—				—				—				1,222				2,016
Doubtful		303				—				—				—				—				—				303				—
Total		$	52,470			$	68,069			$	—			$	—			$	38,738			$	43,350			$	91,208			$	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)		Dec 31, 2018				Dec 31, 2017				Dec 31, 2018				Dec 31, 2017				Dec 31, 2018				Dec 31, 2017				Dec 31, 2018				Dec 31, 2017
Performing		$	470,497			$	562,516			$	45,090			$	62,000			$	1,356			$	2,283			$	516,943			$	626,799
Non-performing		4,012				1,755				201				217				1				58				4,214				2,030
Total		$	474,509			$	564,271			$	45,291			$	62,217			$	1,357			$	2,341			$	521,157			$	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 December 31, 2018 and December 31, 2017.

		December 31, 2018												December 31, 2017
(in thousands)		Business Activities Loans				Acquired  Loans				Total				Business Activities Loans				Acquired  Loans				Total
Non-accrual		$	14,111			$	4,124			$	18,235			$	12,140			$	2,156			$	14,296
Substandard accruing		7,810				7,987				15,797				10,284				7,833				18,117
Doubtful accruing		—				—				—				—				—				—
Total classified		21,921				12,111				34,032				22,424				9,989				32,413
Special mention		15,337				6,399				21,736				7,932				8,428				16,360
Total Criticized		$	37,258			$	18,510			$	55,768			$	30,356			$	18,417			$	48,773

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

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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://fasb.org/us-gaap/role/ref/legacyRef
-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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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://fasb.org/us-gaap/role/ref/legacyRef
-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

Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef
-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

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