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ALLOWANCE FOR LOAN LOSSES (Tables) | 12 Months Ended
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Dec. 31, 2019
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, 2019, 2018 and 2017 was as follows:
Business Activities Loans |  | At or for the Twelve Months Ended December 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 |  | (212 | ) |  | (336 | ) |  | (109 | ) |  | (228 | ) |  | (885 | )
Recoveries on charged-off loans |  | 194 |  |  | 65 |  |  | 55 |  |  | 6 |  |  | 320 |
Provision/(releases) for loan losses |  | 875 |  |  | 1,499 |  |  | (526 | ) |  | 193 |  |  | 2,041 |
Balance at end of period |  | $ | 7,668 |  |  | $ | 3,608 |  |  | $ | 3,402 |  |  | $ | 379 |  |  | $ | 15,057 |
Individually evaluated for impairment |  | 1,231 |  |  | 164 |  |  | 57 |  |  | — |  |  | 1,452 |
Collectively evaluated |  | 6,437 |  |  | 3,444 |  |  | 3,345 |  |  | 379 |  |  | 13,605 |
Total |  | $ | 7,668 |  |  | $ | 3,608 |  |  | $ | 3,402 |  |  | $ | 379 |  |  | $ | 15,057 |
Acquired Loans |  | At or for the Twelve Months Ended December 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 |  | — |  |  | (23 | ) |  | (240 | ) |  | (5 | ) |  | (268 | )
Recoveries on charged-off loans |  | — |  |  | — |  |  | — |  |  | 3 |  |  | 3 |
Provision/(releases) for loan losses |  | (26 | ) |  | (6 | ) |  | 306 |  |  | 2 |  |  | 276 |
Balance at end of period |  | $ | 147 |  |  | $ | 6 |  |  | $ | 143 |  |  | $ | — |  |  | $ | 296 |
Individually evaluated for impairment |  | 12 |  |  | — |  |  | 49 |  |  | — |  |  | 61 |
Collectively evaluated |  | 135 |  |  | 6 |  |  | 94 |  |  | — |  |  | 235 |
Total |  | $ | 147 |  |  | $ | 6 |  |  | $ | 143 |  |  | $ | — |  |  | $ | 296 |
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 |
Schedule of Loans by Risk Rating | The following tables present the Company’s commercial loans by risk rating at December 31, 2019 and December 31, 2018: Business Activities 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, 2019 |  | December 31, 2018 |  | December 31, 2019 |  | December 31, 2018 |  | December 31, 2019 |  | December 31, 2018
Grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 31,057 |  |  | $ | 23,680 |  |  | $ | 646,886 |  |  | $ | 532,386 |  |  | $ | 677,943 |  |  | $ | 556,066 |
Special mention |  | — |  |  | 73 |  |  | 5,483 |  |  | 8,319 |  |  | 5,483 |  |  | 8,392 |
Substandard |  | 330 |  |  | — |  |  | 11,974 |  |  | 13,914 |  |  | 12,304 |  |  | 13,914 |
Doubtful |  | — |  |  | 1 |  |  | 1,708 |  |  | 1,361 |  |  | 1,708 |  |  | 1,362 |
Total |  | $ | 31,387 |  |  | $ | 23,754 |  |  | $ | 666,051 |  |  | $ | 555,980 |  |  | $ | 697,438 |  |  | $ | 579,734 |
Commercial and Industrial Credit Risk Profile by Creditworthiness Category
|  | Commercial |  | Agricultural |  | Tax exempt loans |  | Total commercial and industrial
(in thousands) |  | December 31, 2019 |  | December 31, 2018 |  | December 31, 2019 |  | December 31, 2018 |  | December 31, 2019 |  | December 31, 2018 |  | December 31, 2019 |  | December 31, 2018
Grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 221,329 |  |  | $ | 226,353 |  |  | $ | 18,940 |  |  | $ | 21,680 |  |  | $ | 66,860 |  |  | $ | 56,588 |  |  | $ | 307,129 |  |  | $ | 304,621 |
Special mention |  | 2,744 |  |  | 6,730 |  |  | 298 |  |  | 215 |  |  | — |  |  | — |  |  | 3,042 |  |  | 6,945 |
Substandard |  | 14,866 |  |  | 924 |  |  | 780 |  |  | 422 |  |  | — |  |  | — |  |  | 15,646 |  |  | 1,346 |
Doubtful |  | 753 |  |  | 750 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 753 |  |  | 750 |
Total |  | $ | 239,692 |  |  | $ | 234,757 |  |  | $ | 20,018 |  |  | $ | 22,317 |  |  | $ | 66,860 |  |  | $ | 56,588 |  |  | $ | 326,570 |  |  | $ | 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) |  | Dec 31, 2019 |  | Dec 31, 2018 |  | Dec 31, 2019 |  | Dec 31, 2018 |  | Dec 31, 2019 |  | Dec 31, 2018 |  | Dec 31, 2019 |  | Dec 31, 2018
Performing |  | $ | 737,325 |  |  | $ | 665,976 |  |  | $ | 58,753 |  |  | $ | 57,652 |  |  | $ | 11,146 |  |  | $ | 9,324 |  |  | $ | 807,224 |  |  | $ | 732,952 |
Non-performing |  | 3,362 |  |  | 4,213 |  |  | 615 |  |  | 246 |  |  | 21 |  |  | 90 |  |  | 3,998 |  |  | 4,549 |
Total |  | $ | 740,687 |  |  | $ | 670,189 |  |  | $ | 59,368 |  |  | $ | 57,898 |  |  | $ | 11,167 |  |  | $ | 9,414 |  |  | $ | 811,222 |  |  | $ | 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) |  | December 31, 2019 |  | December 31, 2018 |  | December 31, 2019 |  | December 31, 2018 |  | December 31, 2019 |  | December 31, 2018
Grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 2,412 |  |  | $ | 2,626 |  |  | $ | 218,491 |  |  | $ | 236,393 |  |  | $ | 220,903 |  |  | $ | 239,019 |
Special mention |  | 12 |  |  | — |  |  | 2,261 |  |  | 1,574 |  |  | 2,273 |  |  | 1,574 |
Substandard |  | 479 |  |  | 264 |  |  | 9,400 |  |  | 6,009 |  |  | 9,879 |  |  | 6,273 |
Doubtful |  | — |  |  | — |  |  | 168 |  |  | 99 |  |  | 168 |  |  | 99 |
Total |  | $ | 2,903 |  |  | $ | 2,890 |  |  | $ | 230,320 |  |  | $ | 244,075 |  |  | $ | 233,223 |  |  | $ | 246,965 |
Commercial and Industrial Credit Risk Profile by Creditworthiness Category
|  | Commercial |  | Agricultural |  | Tax exempt loans |  | Total commercial and industrial
(in thousands) |  | December 31, 2019 |  | December 31, 2018 |  | December 31, 2019 |  | December 31, 2018 |  | December 31, 2019 |  | December 31, 2018 |  | December 31, 2019 |  | December 31, 2018
Grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 51,184 |  |  | $ | 46,120 |  |  | $ | 58 |  |  | $ | — |  |  | $ | 37,407 |  |  | $ | 38,738 |  |  | $ | 88,649 |  |  | $ | 84,858 |
Special mention |  | 5,432 |  |  | 4,825 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 5,432 |  |  | 4,825 |
Substandard |  | 2,115 |  |  | 1,222 |  |  | 148 |  |  | — |  |  | 36 |  |  | — |  |  | 2,299 |  |  | 1,222 |
Doubtful |  | 341 |  |  | 303 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 341 |  |  | 303 |
Total |  | $ | 59,072 |  |  | $ | 52,470 |  |  | $ | 206 |  |  | $ | — |  |  | $ | 37,443 |  |  | $ | 38,738 |  |  | $ | 96,721 |  |  | $ | 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) |  | Dec 31, 2019 |  | Dec 31, 2018 |  | Dec 31, 2019 |  | Dec 31, 2018 |  | Dec 31, 2019 |  | Dec 31, 2018 |  | Dec 31, 2019 |  | Dec 31, 2018
Performing |  | $ | 407,811 |  |  | $ | 470,497 |  |  | $ | 62,504 |  |  | $ | 45,090 |  |  | $ | 1,707 |  |  | $ | 1,356 |  |  | $ | 472,022 |  |  | $ | 516,943 |
Non-performing |  | 3,359 |  |  | 4,012 |  |  | 529 |  |  | 201 |  |  | 8 |  |  | 1 |  |  | 3,896 |  |  | 4,214 |
Total |  | $ | 411,170 |  |  | $ | 474,509 |  |  | $ | 63,033 |  |  | $ | 45,291 |  |  | $ | 1,715 |  |  | $ | 1,357 |  |  | $ | 475,918 |  |  | $ | 521,157 |
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, 2019 and December 31, 2018.
|  | December 31, 2019 |  | December 31, 2018
(in thousands) |  | Business Activities Loans |  | Acquired Loans |  | Total |  | Business Activities Loans |  | Acquired Loans |  | Total
Non-accrual |  | $ | 8,354 |  |  | $ | 3,196 |  |  | $ | 11,550 |  |  | $ | 14,111 |  |  | $ | 4,124 |  |  | $ | 18,235 |
Substandard accruing |  | 26,055 |  |  | 13,387 |  |  | 39,442 |  |  | 7,810 |  |  | 7,987 |  |  | 15,797 |
Doubtful accruing |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total classified |  | 34,409 |  |  | 16,583 |  |  | 50,992 |  |  | 21,921 |  |  | 12,111 |  |  | 34,032 |
Special mention |  | 8,525 |  |  | 7,705 |  |  | 16,230 |  |  | 15,337 |  |  | 6,399 |  |  | 21,736 |
Total Criticized |  | $ | 42,934 |  |  | $ | 24,288 |  |  | $ | 67,222 |  |  | $ | 37,258 |  |  | $ | 18,510 |  |  | $ | 55,768 |

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- Definition Tabular disclosure of allowance for credit loss on financing receivable. + 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=118936363&loc=SL6953423-111524 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 13 -URI http://asc.fasb.org/extlink&oid=119407570&loc=SL82919249-210447 + Details
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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/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 5 -URI http://asc.fasb.org/extlink&oid=119407570&loc=SL82919230-210447 Reference 2: 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=118936363&loc=SL6953659-111524 + Details
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