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ALLOWANCE FOR LOAN LOSSES (Tables)

9 Months Ended

Sep. 30, 2020

Receivables [Abstract]

Schedule of Activity in the Allowance for Loan Losses


Business Activities Loans		At or for the Three Months Ended September 30, 2020
		Commercial			Commercial			Residential
(in thousands)		real estate			and industrial			real estate			Consumer			Total
Balance at beginning of period		$	8,416		$	3,241		$	3,945		$	376		$	15,978
Charged-off loans			(266)			(4)			—			(146)			(416)
Recoveries on charged-off loans			12			14			—			6			32
Provision for loan losses			1,265			269			104			143			1,781
Balance at end of period		$	9,427		$	3,520		$	4,049		$	379		$	17,375
Individually evaluated for impairment			343			243			45			1			632
Collectively evaluated			9,084			3,277			4,004			378			16,743
Total		$	9,427		$	3,520		$	4,049		$	379		$	17,375


Business Activities Loans		At or for the Nine Months Ended September 30, 2020
		Commercial			Commercial			Residential
(in thousands)		real estate			and industrial			real estate			Consumer			Total
Balance at beginning of period		$	7,668		$	3,608		$	3,402		$	379		$	15,057
Charged-off loans			(1,036)			(307)			(21)			(335)			(1,699)
Recoveries on charged-off loans			90			16			—			5			111
Provision for loan losses			2,705			203			668			330			3,906
Balance at end of period		$	9,427		$	3,520		$	4,049		$	379		$	17,375
Individually evaluated for impairment			343			243			45			1			632
Collectively evaluated			9,084			3,277			4,004			378			16,743
Total		$	9,427		$	3,520		$	4,049		$	379		$	17,375


Acquired Loans		At or for the Three Months Ended September 30, 2020
		Commercial			Commercial			Residential
(in thousands)		real estate			and industrial			real estate			Consumer			Total
Balance at beginning of period		$	401		$	12		$	118		$	—		$	531
Charged-off loans			—			(20)			—			(3)			(23)
Recoveries on charged-off loans			2			—			1			2			5
Provision (release) for loan losses			(3)			20			1			1			19
Balance at end of period		$	400		$	12		$	120		$	—		$	532
Individually evaluated for impairment			297			7			52			—			356
Collectively evaluated			103			5			68			—			176
Total		$	400		$	12		$	120		$	—		$	532


Acquired Loans		At or for the Nine Months Ended September 30, 2020
		Commercial			Commercial			Residential
(in thousands)		real estate			and industrial			real estate			Consumer			Total
Balance at beginning of period		$	147		$	6		$	143		$	—		$	296
Charged-off loans			(101)			(53)			(11)			(6)			(171)
Recoveries on charged-off loans			19			9			12			8			48
Provision (release) for loan losses			335			50			(24)			(2)			359
Balance at end of period		$	400		$	12		$	120		$	—		$	532
Individually evaluated for impairment			297			7			52			—			356
Collectively evaluated			103			5			68			—			176
Total		$	400		$	12		$	120		$	—		$	532


Business Activities Loans		At or for the Three Months Ended September 30, 2019
		Commercial			Commercial			Residential
(in thousands)		real estate			and industrial			real estate			Consumer			Total
Balance at beginning of period		$	7,206		$	2,748		$	3,942		$	394		$	14,290
Charged-off loans			—			—			(108)			(55)			(163)
Recoveries on charged-off loans			1			62			36			1			100
Provision (release) for loan losses			956			63			(111)			(94)			814
Balance at end of period		$	8,163		$	2,873		$	3,759		$	246		$	15,041
Individually evaluated for impairment			990			240			66			1			1,297
Collectively evaluated			7,173			2,633			3,693			245			13,744
Total		$	8,163		$	2,873		$	3,759		$	246		$	15,041


Business Activities Loans		At or for the Nine Months Ended September 30, 2019
		Commercial			Commercial			Residential
(in thousands)		real estate			and industrial			real estate			Consumer			Total
Balance at beginning of period		$	6,811		$	2,380		$	3,982		$	408		$	13,581
Charged-off loans			(57)			(13)			(110)			(129)			(309)
Recoveries on charged-off loans			131			62			55			8			256
Provision (release) for loan losses			1,278			444			(168)			(41)			1,513
Balance at end of period		$	8,163		$	2,873		$	3,759		$	246		$	15,041
Individually evaluated for impairment			990			240			66			1			1,297
Collectively evaluated			7,173			2,633			3,693			245			13,744
Total		$	8,163		$	2,873		$	3,759		$	246		$	15,041


Acquired Loans		At or for the Three Months Ended September 30, 2019
		Commercial			Commercial			Residential
(in thousands)		real estate			and industrial			real estate			Consumer			Total
Balance at beginning of period		$	159		$	22		$	101		$	—		$	282
Charged-off loans			—			—			(52)			—			(52)
Recoveries on charged-off loans			—			—			—			3			3
Provision (release) for loan losses			(2)			(15)			99			(3)			79
Balance at end of period		$	157		$	7		$	148		$	—		$	312
Individually evaluated for impairment			12			—			32			—			44
Collectively evaluated			145			7			116			—			268
Total		$	157		$	7		$	148		$	—		$	312


Acquired Loans		At or for the Nine Months Ended September 30, 2019
		Commercial			Commercial			Residential
(in thousands)		real estate			and industrial			real estate			Consumer			Total
Balance at beginning of period		$	173		$	35		$	77		$	—		$	285
Charged-off loans			—			(15)			(222)			(5)			(242)
Recoveries on charged-off loans			—			—			—			3			3
Provision (releases) for loan losses			(16)			(13)			293			2			266
Balance at end of period		$	157		$	7		$	148		$	—		$	312
Individually evaluated for impairment			12			—			32			—			44
Collectively evaluated			145			7			116			—			268
Total		$	157		$	7		$	148		$	—		$	312

Schedule of Loans by Risk Rating

Business Activities Loans

Commercial Real Estate


		Commercial construction
		and land development						Commercial real estate other						Total commercial real estate
(in thousands)		Sep 30, 2020			Dec 31, 2019			Sep 30, 2020			Dec 31, 2019			Sep 30, 2020			Dec 31, 2019
Grade:
Pass		$	86,716		$	31,057		$	742,214		$	646,886		$	828,930		$	677,943
Special mention			—			—			6,722			5,483			6,722			5,483
Substandard			—			330			15,981			11,974			15,981			12,304
Doubtful			211			—			554			1,708			765			1,708
Total		$	86,927		$	31,387		$	765,471		$	666,051		$	852,398		$	697,438

Acquired Loans

Commercial Real Estate


		Commercial construction
		and land development						Commercial real estate other						Total commercial real estate
(in thousands)		Sep 30, 2020			Dec 31, 2019			Sep 30, 2020			Dec 31, 2019			Sep 30, 2020			Dec 31, 2019
Grade:
Pass		$	1,878		$	2,412		$	180,602		$	218,491		$	182,480		$	220,903
Special mention			—			12			1,508			2,261			1,508			2,273
Substandard			313			479			7,411			9,400			7,724			9,879
Doubtful			—			—			1,525			168			1,525			168
Total		$	2,191		$	2,903		$	191,046		$	230,320		$	193,237		$	233,223

Business Activities Loans

Commercial and Industrial


		Commercial						Agricultural						Tax exempt loans						Total commercial and industrial
(in thousands)		Sep 30, 2020			Dec 31, 2019			Sep 30, 2020			Dec 31, 2019			Sep 30, 2020			Dec 31, 2019			Sep 30, 2020			Dec 31, 2019
Grade:
Pass		$	362,351		$	221,329		$	16,744		$	18,940		$	41,951		$	66,860		$	421,046		$	307,129
Special mention			4,066			2,744			200			298			—			—			4,266			3,042
Substandard			14,430			14,866			489			780			—			—			14,919			15,646
Doubtful			665			753			225			—			—			—			890			753
Total		$	381,512		$	239,692		$	17,658		$	20,018		$	41,951		$	66,860		$	441,121		$	326,570

Acquired Loans

Commercial and Industrial


		Commercial						Agricultural						Tax exempt loans						Total commercial and industrial
(in thousands)		Sep 30, 2020			Dec 31, 2019			Sep 30, 2020			Dec 31, 2019			Sep 30, 2020			Dec 31, 2019			Sep 30, 2020			Dec 31, 2019
Grade:
Pass		$	54,667		$	51,184		$	21		$	58		$	24,375		$	37,407		$	79,063		$	88,649
Special mention			421			5,432			—			—			—			—			421			5,432
Substandard			1,255			2,115			135			148			—			36			1,390			2,299
Doubtful			515			341			—			—			—			—			515			341
Total		$	56,858		$	59,072		$	156		$	206		$	24,375		$	37,443		$	81,389		$	96,721

Business Activities Loans

Residential Real Estate and Consumer Loans


		Residential real estate						Home equity						Other consumer						Total residential real estate and consumer
(in thousands)		Sep 30, 2020			Dec 31, 2019			Sep 30, 2020			Dec 31, 2019			Sep 30, 2020			Dec 31, 2019			Sep 30, 2020			Dec 31, 2019
Performing		$	691,902		$	737,325		$	57,894		$	58,753		$	9,202		$	11,146		$	758,998		$	807,224
Nonperforming			3,864			3,362			450			615			15			21			4,329			3,998
Total		$	695,766		$	740,687		$	58,344		$	59,368		$	9,217		$	11,167		$	763,327		$	811,222

Acquired Loans

Residential Real Estate and Consumer Loans


		Residential real estate						Home equity						Other consumer						Total residential real estate and consumer
(in thousands)		Sep 30, 2020			Dec 31, 2019			Sep 30, 2020			Dec 31, 2019			Sep 30, 2020			Dec 31, 2019			Sep 30, 2020			Dec 31, 2019
Performing		$	320,772		$	407,811		$	50,059		$	62,504		$	1,249		$	1,707		$	372,080		$	472,022
Nonperforming			4,668			3,359			471			529			—			8			5,139			3,896
Total		$	325,440		$	411,170		$	50,530		$	63,033		$	1,249		$	1,715		$	377,219		$	475,918

Summary of Information About Total Loans Rated Special Mention or Lower


		September 30, 2020									December 31, 2019
		Business									Business
(in thousands)		Activities Loans			Acquired Loans			Total			Activities Loans			Acquired Loans			Total
Non-accrual		$	7,763		$	6,645		$	14,408		$	8,354		$	3,196		$	11,550
Substandard accruing			29,121			9,648			38,769			26,055			13,387			39,442
Total classified			36,884			16,293			53,177			34,409			16,583			50,992
Special mention			10,988			1,929			12,917			8,525			7,705			16,230
Total Criticized		$	47,872		$	18,222		$	66,094		$	42,934		$	24,288		$	67,222