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ALLOWANCE FOR LOAN LOSSES (Tables)

3 Months Ended

Mar. 31, 2019

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, 2019 and 2018 are, as follows:

Business Activities Loans		At or for the Three Months Ended March 31, 2019
(in thousands)		Commercial real estate				Commercial and industrial				Residential real estate				Consumer				Total
Balance at beginning of period		$	6,811			$	2,380			$	3,982			$	408			$	13,581
Charged-off loans		(57		)		—				—				(53		)		(110		)
Recoveries on charged-off loans		16				1				18				3				38
(Releases) provision for loan losses		(195		)		397				(47		)		38				193
Balance at end of period		$	6,575			$	2,778			$	3,953			$	396			$	13,702
Individually evaluated for impairment		396				53				83				1				533
Collectively evaluated		6,179				2,725				3,870				395				13,169
Total		$	6,575			$	2,778			$	3,953			$	396			$	13,702

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
(Releases) provision 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

Acquired Loans		At or for the Three Months Ended March 31, 2019
(in thousands)		Commercial real estate				Commercial and industrial				Residential real estate				Consumer				Total
Balance at beginning of period		$	173			$	35			$	77			$	—			$	285
Charged-off loans		—				(16		)		(104		)		(1		)		(121		)
Recoveries on charged-off loans		—				—				—				—				—
(Releases) provision for loan losses		(12		)		10				132				1				131
Balance at end of period		$	161			$	29			$	105			$	—			$	295
Individually evaluated for impairment		16				—				22				—				38
Collectively evaluated		145				29				83				—				257
Total		$	161			$	29			$	105			$	—			$	295

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		(54		)		(18		)		(31		)		(19		)		(122		)
Recoveries on charged-off loans		—				—				—				—				—
Provision for loan losses		40				126				30				19				215
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, 2019 and December 31, 2018:

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, 2019				Dec 31, 2018				Mar 31, 2019				Dec 31, 2018				Mar 31, 2019				Dec 31, 2018
Grade:
Pass		$	34,708			$	23,680			$	523,774			$	532,386			$	558,482			$	556,066
Special mention		73				73				6,943				8,319				7,016				8,392
Substandard		—				—				13,076				13,914				13,076				13,914
Doubtful		1				1				1,358				1,361				1,359				1,362
Total		$	34,782			$	23,754			$	545,151			$	555,980			$	579,933			$	579,734

Commercial and Industrial

Credit Risk Profile by Creditworthiness Category

		Commercial								Agricultural								Tax exempt loans								Total commercial and industrial
(in thousands)		Mar 31, 2019				Dec 31, 2018				Mar 31, 2019				Dec 31, 2018				Mar 31, 2019				Dec 31, 2018				Mar 31, 2019				Dec 31, 2018
Grade:
Pass		$	228,384			$	226,353			$	21,625			$	21,680			$	66,727			$	56,588			$	316,736			$	304,621
Special mention		1,632				6,730				191				215				—				—				1,823				6,945
Substandard		5,326				924				392				422				—				—				5,718				1,346
Doubtful		726				750				—				—				—				—				726				750
Total		$	236,068			$	234,757			$	22,208			$	22,317			$	66,727			$	56,588			$	325,003			$	313,662

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, 2019				Dec 31, 2018				Mar 31, 2019				Dec 31, 2018				Mar 31, 2019				Dec 31, 2018				Mar 31, 2019				Dec 31, 2018
Performing		$	719,525			$	665,976			$	58,417			$	57,652			$	8,725			$	9,324			$	786,667			$	732,952
Nonperforming		3,900				4,213				279				246				87				90				4,266				4,549
Total		$	723,425			$	670,189			$	58,696			$	57,898			$	8,812			$	9,414			$	790,933			$	737,501

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, 2019				Dec 31, 2018				Mar 31, 2019				Dec 31, 2018				Mar 31, 2019				Dec 31, 2018
Grade:
Pass		$	2,580			$	2,626			$	230,746			$	236,393			$	233,326			$	239,019
Special mention		—				—				1,632				1,574				1,632				1,574
Substandard		271				264				6,405				6,009				6,676				6,273
Doubtful		—				—				—				99				—				99
Total		$	2,851			$	2,890			$	238,783			$	244,075			$	241,634			$	246,965

Commercial and Industrial

Credit Risk Profile by Creditworthiness Category

		Commercial								Agricultural								Tax exempt loans								Total commercial and industrial
(in thousands)		Mar 31, 2019				Dec 31, 2018				Mar 31, 2019				Dec 31, 2018				Mar 31, 2019				Dec 31, 2018				Mar 31, 2019				Dec 31, 2018
Grade:
Pass		$	41,832			$	46,120			$	—			$	—			$	38,025			$	38,738			$	79,857			$	84,858
Special mention		3,570				4,825				—				—				—				—				3,570				4,825
Substandard		1,156				1,222				—				—				—				—				1,156				1,222
Doubtful		351				303				—				—				—				—				351				303
Total		$	46,909			$	52,470			$	—			$	—			$	38,025			$	38,738			$	84,934			$	91,208

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, 2019				Dec 31, 2018				Mar 31, 2019				Dec 31, 2018				Mar 31, 2019				Dec 31, 2018				Mar 31, 2019				Dec 31, 2018
Performing		$	457,195			$	470,497			$	42,485			$	45,090			$	1,210			$	1,356			$	500,890			$	516,943
Nonperforming		3,433				4,012				198				201				1				1				3,632				4,214
Total		$	460,628			$	474,509			$	42,683			$	45,291			$	1,211			$	1,357			$	504,522			$	521,157

Summary of Information About Total Loans Rated Special Mention or Lower

The following table summarizes total classified and criticized loans as of March 31, 2019 and December 31, 2018:

		March 31, 2019												December 31, 2018
(in thousands)		Business Activities Loans				Acquired  Loans				Total				Business Activities Loans				Acquired  Loans				Total
Non-accrual		$	13,089			$	3,510			$	16,599			$	14,111			$	4,124			$	18,235
Substandard accruing		12,056				8,305				20,361				7,810				7,987				15,797
Doubtful accruing		—				—				—				—				—				—
Total classified		25,145				11,815				36,960				21,921				12,111				34,032
Special mention		8,839				5,202				14,041				15,337				6,399				21,736
Total Criticized		$	33,984			$	17,017			$	51,001			$	37,258			$	18,510			$	55,768

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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

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-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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