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ALLOWANCE FOR LOAN LOSSES (Tables)

12 Months Ended

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

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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

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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://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

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