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LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)

12 Months Ended

Dec. 31, 2019

Accounts, Notes, Loans and Financing Receivable, Gross, Allowance, and Net [Abstract]

Classes Of The Loan Portfolio Summarized By The Aggregate Risk Rating

The following tables present the classes of the loan portfolio summarized by the aggregate pass rating and the classified ratings of special mention, substandard and doubtful within the Corporation’s internal risk rating system as of December 31, 2019 and 2018:

In thousands	Pass				Special Mention				Substandard				Doubtful				Total
December 31, 2019
Originated Loans
Commercial and industrial	$	132,791			$	12,249			$	716			$	—			$	145,756
Commercial real estate	414,077				28,264				9,595				—				451,936
Commercial real estate construction	22,905				1,272				—				—				24,177
Residential mortgage	364,814				6,279				251				—				371,344
Home equity lines of credit	92,372				627				83				—				93,082
Consumer	13,331				—				—				—				13,331
Total Originated Loans	1,040,290				48,691				10,645				—				1,099,626
Acquired Loans
Commercial and industrial	3,007				374				178				—				3,559
Commercial real estate	100,199				11,537				3,376				—				115,112
Commercial real estate construction	1,542				697				—				—				2,239
Residential mortgage	33,349				2,089				1,555				—				36,993
Home equity lines of credit	14,603				45				317				—				14,965
Consumer	107				—				—				—				107
Total Acquired Loans	152,807				14,742				5,426				—				172,975
Total Loans
Commercial and industrial	135,798				12,623				894				—				149,315
Commercial real estate	514,276				39,801				12,971				—				567,048
Commercial real estate construction	24,447				1,969				—				—				26,416
Residential mortgage	398,163				8,368				1,806				—				408,337
Home equity lines of credit	106,975				672				400				—				108,047
Consumer	13,438				—				—				—				13,438
Total Loans	$	1,193,097			$	63,433			$	16,071			$	—			$	1,272,601

In thousands	Pass				Special Mention				Substandard				Doubtful				Total
December 31, 2018
Originated Loans
Commercial and industrial	$	166,035			$	2,902			$	161			$	—			$	169,098
Commercial real estate	393,987				18,079				7,899				—				419,965
Commercial real estate construction	15,471				835				—				—				16,306
Residential mortgage	381,525				6,492				733				—				388,750
Home equity lines of credit	90,941				334				—				—				91,275
Consumer	14,174				—				—				—				14,174
Total Originated Loans	1,062,133				28,642				8,793				—				1,099,568
Acquired Loans
Commercial and industrial	4,803				134				147				—				5,084
Commercial real estate	120,321				5,112				3,525				—				128,958
Commercial real estate construction	3,276				716				—				—				3,992
Residential mortgage	41,193				1,896				2,460				—				45,549
Home equity lines of credit	18,614				88				386				—				19,088
Consumer	226				—				—				—				226
Total Acquired Loans	188,433				7,946				6,518				—				202,897
Total Loans
Commercial and industrial	170,838				3,036				308				$	—			174,182
Commercial real estate	514,308				23,191				11,424				—				548,923
Commercial real estate construction	18,747				1,551				—				—				20,298
Residential mortgage	422,718				8,388				3,193				—				434,299
Home equity lines of credit	109,555				422				386				—				110,363
Consumer	14,400				—				—				—				14,400
Total Loans	$	1,250,566			$	36,588			$	15,311			$	—			$	1,302,465

Schedule Of Changes In Accretable Yields Of Acquired Loans

The following table provides changes in accretable yield for all acquired loans accounted for under ASC 310-30. Loans accounted for under ASC 310-20 are not included in this table.

In thousands		Year Ended December 31, 2019				Year Ended December 31, 2018
Balance at beginning of period		$	891			$	1,234
Acquisitions of impaired loans		—				—
Reclassification from non-accretable differences		492				402
Accretion to loan interest income		(741		)		(745		)
Balance at end of period		$	642			$	891

Impaired Loans By Loan Portfolio Class

The following table summarizes information relative to impaired loans by loan portfolio class as of December 31, 2019 and 2018:

	Impaired Loans with Allowance												Impaired Loans with No Allowance
In thousands	Recorded Investment				Unpaid Principal Balance				Related Allowance				Recorded Investment				Unpaid Principal Balance
December 31, 2019
Commercial and industrial	$	65			$	65			$	42			$	—			$	—
Commercial real estate	—				—				—				7,383				7,383
Commercial real estate construction	—				—				—				—				—
Residential mortgage	—				—				—				171				171
Home equity lines of credit	—				—				—				83				83
Total	$	65			$	65			$	42			$	7,637			$	7,637
December 31, 2018
Commercial and industrial	$	—			$	—			$	—			$	—			$	—
Commercial real estate	—				—				—				6,763				6,763
Commercial real estate construction	—				—				—				—				—
Residential mortgage	—				—				—				537				537
Home equity lines of credit	—				—				—				—				—
Total	$	—			$	—			$	—			$	7,300			$	7,300

Average Of Impaired Loans And Related Interest Income By Loan Portfolio Class

The following table summarizes information in regards to average of impaired loans and related interest income by loan portfolio class:

	Impaired Loans with Allowance								Impaired Loans with No Allowance
In thousands	Average Recorded Investment				Interest Income				Average Recorded Investment				Interest Income
December 31, 2019
Commercial and industrial	$	27			$	—			$	—			$	—
Commercial real estate	—				—				6,625				612
Commercial real estate construction	—				—				—				—
Residential mortgage	—				—				422				8
Home equity lines of credit	—				—				35				—
Total	$	27			$	—			$	7,082			$	620
December 31, 2018
Commercial and industrial	$	436			$	—			$	73			$	44
Commercial real estate	—				—				7,372				216
Commercial real estate construction	—				—				—				—
Residential mortgage	75				—				275				—
Home equity lines of credit	30				—				—				—
Total	$	541			$	—			$	7,720			$	260

Nonaccrual Loans By Classes Of The Loan Portfolio

The following table presents nonaccrual loans by loan portfolio class as of December 31, 2019 and 2018, the table below excludes $6.9 million in purchase credit impaired loans, net of unamortized fair value adjustments:

In thousands	2019				2018
Commercial and industrial	$	65			$	—
Commercial real estate	3,600				2,880
Commercial real estate construction	—				—
Residential mortgage	171				537
Home equity lines of credit	83				—
Total	$	3,919			$	3,417

Loan Portfolio Summarized By The Past Due Status

The following table presents the classes of the loan portfolio summarized by the past due status as of December 31, 2019 and 2018:

In thousands	30-59 Days Past Due				60-89 Days Past Due				>90 Days Past Due				Total Past Due				Current				Total Loans Receivable				Loans Receivable >90 Days and Accruing
December 31, 2019
Originated Loans
Commercial and industrial	$	16			$	—			$	4			$	20			$	145,736			$	145,756			$	4
Commercial real estate	325				2,247				1,286				3,858				448,078				451,936				—
Commercial real estate construction	78				—				—				78				24,099				24,177				—
Residential mortgage	1,625				949				1,232				3,806				367,538				371,344				1,061
Home equity lines of credit	141				77				—				218				92,864				93,082				—
Consumer	38				8				19				65				13,266				13,331				19
Total originated loans	2,223				3,281				2,541				8,045				1,091,581				1,099,626				1,084
Acquired Loans
Commercial and industrial	—				23				—				23				3,536				3,559				—
Commercial real estate	1,063				—				—				1,063				114,049				115,112				—
Commercial real estate construction	—				—				—				—				2,239				2,239				—
Residential mortgage	293				257				120				670				36,323				36,993				120
Home equity lines of credit	236				93				15				344				14,621				14,965				15
Consumer	—				—				—				—				107				107				—
Total acquired loans	1,592				373				135				2,100				170,875				172,975				135
Total Loans
Commercial and industrial	16				23				4				43				149,272				149,315				4
Commercial real estate	1,388				2,247				1,286				4,921				562,127				567,048				—
Commercial real estate construction	78				—				—				78				26,338				26,416				—
Residential mortgage	1,918				1,206				1,352				4,476				403,861				408,337				1,181
Home equity lines of credit	377				170				15				562				107,485				108,047				15
Consumer	38				8				19				65				13,373				13,438				19
Total Loans	$	3,815			$	3,654			$	2,676			$	10,145			$	1,262,456			$	1,272,601			$	1,219

In thousands	30-59 Days Past Due				60-89 Days Past Due				>90 Days Past Due				Total Past Due				Current				Total Loans Receivable				Loans Receivable >90 Days and Accruing
December 31, 2018
Originated Loans
Commercial and industrial	$	49			$	49			$	4			$	102			$	168,996			$	169,098			$	4
Commercial real estate	775				550				114				1,439				418,526				419,965				—
Commercial real estate construction	—				—				—				—				16,306				16,306				—
Residential mortgage	1,783				529				2,361				4,673				384,077				388,750				1,824
Home equity lines of credit	16				38				375				429				90,846				91,275				375
Consumer	36				14				—				50				14,124				14,174				—
Total originated loans	2,659				1,180				2,854				6,693				1,092,875				1,099,568				2,203
Acquired Loans
Commercial and industrial	27				—				—				27				5,057				5,084				—
Commercial real estate	64				—				851				915				128,043				128,958				851
Commercial real estate construction	343				—				77				420				3,572				3,992				77
Residential mortgage	1,235				251				907				2,393				43,156				45,549				125
Home equity lines of credit	227				—				89				316				18,772				19,088				89
Consumer	—				7				—				7				219				226				—
Total acquired loans	1,896				258				1,924				4,078				198,819				202,897				1,142
Total Loans
Commercial and industrial	76				49				4				129				174,053				174,182				4
Commercial real estate	839				550				965				2,354				546,569				548,923				851
Commercial real estate construction	343				—				77				420				19,878				20,298				77
Residential mortgage	3,018				780				3,268				7,066				427,233				434,299				1,949
Home equity lines of credit	243				38				464				745				109,618				110,363				464
Consumer	36				21				—				57				14,343				14,400				—
Total Loans	$	4,555			$	1,438			$	4,778			$	10,771			$	1,291,694			$	1,302,465			$	3,345

Allowance For Loan Losses And Recorded Investment In Financing Receivables

The following table summarizes the allowance for loan losses and recorded investment in loans:

In thousands	Commercial and Industrial				Commercial Real Estate				Commercial Real Estate Construction				Residential Mortgage				Home Equity Lines of Credit				Consumer				Unallocated				Total
December 31, 2019
Allowance for loan losses
Beginning balance- January 1, 2019	$	2,597			$	6,208			$	203			$	2,814			$	611			$	692			$	839			$	13,964
Charge-offs	(163		)		(78		)		—				(173		)		(301		)		(202		)		—				(917		)
Recoveries	66				10				—				37				12				63				—				188
Provisions	(100		)		553				95				(123		)		297				97				(219		)		600
Ending balance- December 31, 2019	$	2,400			$	6,693			$	298			$	2,555			$	619			$	650			$	620			$	13,835
Ending balance: individually evaluated for impairment	$	42			$	—			$	—			$	—			$	—			$	—			$	—			$	42
Ending balance: collectively evaluated for impairment	$	2,358			$	6,693			$	298			$	2,555			$	619			$	650			$	620			$	13,793
Loans receivables
Ending balance	$	149,315			$	567,048			$	26,416			$	408,337			$	108,047			$	13,438			$	—			$	1,272,601
Ending balance: individually evaluated for impairment	$	65			$	7,383			$	—			$	171			$	83			$	—			$	—			$	7,702
Ending balance: collectively evaluated for impairment	$	149,250			$	559,665			$	26,416			$	408,166			$	107,964			$	13,438			$	—			$	1,264,899
December 31, 2018
Allowance for loan losses
Beginning balance- January 1, 2018	$	3,219			$	5,228			$	126			$	3,226			$	612			$	749			$	816			$	13,976
Charge-offs	(934		)		(33		)		—				(530		)		(148		)		(165		)		—				(1,810		)
Recoveries	36				—				103				32				—				7				—				178
Provisions	276				1,013				(26		)		86				147				101				23				1,620
Ending balance- December 31, 2018	$	2,597			$	6,208			$	203			$	2,814			$	611			$	692			$	839			$	13,964
Ending balance: individually evaluated for impairment	$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Ending balance: collectively evaluated for impairment	$	2,597			$	6,208			$	203			$	2,814			$	611			$	692			$	839			$	13,964
Loans receivables
Ending balance	$	174,182			$	548,923			$	20,298			$	434,299			$	110,363			$	14,400			$	—			$	1,302,465
Ending balance: individually evaluated for impairment	$	—			$	6,763			$	—			$	537			$	—			$	—			$	—			$	7,300
Ending balance: collectively evaluated for impairment	$	174,182			$	542,160			$	20,298			$	433,762			$	110,363			$	14,400			$	—			$	1,295,165

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