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LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)

12 Months Ended

Dec. 31, 2020

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, 2020 and 2019:

In thousands			Pass						Special Mention						Substandard						Doubtful						Total
December 31, 2020
Originated Loans
Commercial and industrial			$	270,047					$	5,168					$	2,688					$	—					$	277,903
Commercial real estate			414,538						54,122						10,463						—						479,123
Commercial real estate construction			39,462						1,746						—						—						41,208
Residential mortgage			332,632						4,327						178						—						337,137
Home equity lines of credit			80,560						346						—						—						80,906
Consumer			11,819						—						—						—						11,819
Total Originated Loans			1,149,058						65,709						13,329						—						1,228,096
Acquired Loans
Commercial and industrial			38,882						1,893						1,476						—						42,251
Commercial real estate			245,597						16,706						3,201						—						265,504
Commercial real estate construction			10,300						2,394						—						—						12,694
Residential mortgage			58,787						3,535						1,881						—						64,203
Home equity lines of credit			23,165						97						442						—						23,704
Consumer			1,330						—						2						—						1,332
Total Acquired Loans			378,061						24,625						7,002						—						409,688
Total Loans
Commercial and industrial			308,929						7,061						4,164						—						320,154
Commercial real estate			660,135						70,828						13,664						—						744,627
Commercial real estate construction			49,762						4,140						—						—						53,902
Residential mortgage			391,419						7,862						2,059						—						401,340
Home equity lines of credit			103,725						443						442						—						104,610
Consumer			13,149						—						2						—						13,151
Total Loans			$	1,527,119					$	90,334					$	20,331					$	—					$	1,637,784

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

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, 2020						Year Ended December 31, 2019
Balance at beginning of period						$	642					$	891
Acquisitions of impaired loans						354						—
Reclassification from non-accretable differences						311						492
Accretion to loan interest income						(711)						(741)
Balance at end of period						$	596					$	642

Impaired Loans By Loan Portfolio Class

The following table summarizes information relative to impaired loans by loan portfolio class as of December 31, 2020 and 2019:

			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, 2020
Commercial and industrial			$	2,031					$	2,031					$	1,224					$	—					$	—
Commercial real estate			2,728						2,728						158						5,861						5,861
Commercial real estate construction			—						—						—						—						—
Residential mortgage			—						—						—						101						101
Home equity lines of credit			—						—						—						—						—
Total			$	4,759					$	4,759					$	1,382					$	5,962					$	5,962
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

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, 2020
Commercial and industrial			$	441					$	—					$	9					$	—
Commercial real estate			1,642						—						6,513						184
Commercial real estate construction			—						—						495						109
Residential mortgage			—						—						114						7
Home equity lines of credit			—						—						39						3
Total			$	2,083					$	—					$	7,170					$	303
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

Nonaccrual Loans By Classes Of The Loan Portfolio

The following table presents nonaccrual loans by loan portfolio class as of December 31, 2020 and 2019, the table below excludes $6.0 million in purchase credit impaired loans, net of unamortized fair value adjustments:

In thousands			2020						2019
Commercial and industrial			$	2,031					$	65
Commercial real estate			4,909						3,600
Commercial real estate construction			—						—
Residential mortgage			101						171
Home equity lines of credit			—						83
Total			$	7,041					$	3,919

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, 2020 and 2019:

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, 2020
Originated Loans
Commercial and industrial			$	1,432					$	—					$	—					$	1,432					$	276,471					$	277,903					$	—
Commercial real estate			133						2,463						1,631						4,227						474,896						479,123						—
Commercial real estate construction			—						76						—						76						41,132						41,208						—
Residential mortgage			1,382						335						623						2,340						334,797						337,137						522
Home equity lines of credit			54						60						58						172						80,734						80,906						58
Consumer			98						51						—						149						11,670						11,819						—
Total originated loans			3,099						2,985						2,312						8,396						1,219,700						1,228,096						580
Acquired Loans
Commercial and industrial			122						231						—						353						41,898						42,251						—
Commercial real estate			319						220						—						539						264,965						265,504						—
Commercial real estate construction			42						—						97						139						12,555						12,694						97
Residential mortgage			834						349						146						1,329						62,874						64,203						146
Home equity lines of credit			196						—						32						228						23,476						23,704						32
Consumer			—						16						—						16						1,316						1,332						—
Total acquired loans			1,513						816						275						2,604						407,084						409,688						275
Total Loans
Commercial and industrial			1,554						231						—						1,785						318,369						320,154						—
Commercial real estate			452						2,683						1,631						4,766						739,861						744,627						—
Commercial real estate construction			42						76						97						215						53,687						53,902						97
Residential mortgage			2,216						684						769						3,669						397,671						401,340						668
Home equity lines of credit			250						60						90						400						104,210						104,610						90
Consumer			98						67						—						165						12,986						13,151						—
Total Loans			$	4,612					$	3,801					$	2,587					$	11,000					$	1,626,784					$	1,637,784					$	855

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

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, 2020
Allowance for loan losses
Beginning balance- January 1, 2020			$	2,400					$	6,693					$	298					$	2,555					$	619					$	650					$	620					$	13,835
Charge-offs			(2,107)						(675)						—						—						—						(205)						—						(2,987)
Recoveries			83						96						—						1						29						29						—						238
Provisions			3,661						3,455						205						839						45						174						761						9,140
Ending balance- December 31, 2020			$	4,037					$	9,569					$	503					$	3,395					$	693					$	648					$	1,381					$	20,226
Ending balance: individually evaluated for impairment			$	1,224					$	158					$	—					$	—					$	—					$	—					$	—					$	1,382
Ending balance: collectively evaluated for impairment			$	2,813					$	9,411					$	503					$	3,395					$	693					$	648					$	1,381					$	18,844
Loans receivables
Ending balance			$	320,154					$	744,627					$	53,902					$	401,340					$	104,610					$	13,151					$	—					$	1,637,784
Ending balance: individually evaluated for impairment			$	2,031					$	8,589					$	—					$	101					$	—					$	—					$	—					$	10,721
Ending balance: collectively evaluated for impairment			$	318,123					$	736,038					$	53,902					$	401,239					$	104,610					$	13,151					$	—					$	1,627,063
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

Schedule of actual loan modifications

Details with respect to actual loan modifications are as follows:    

Type of Loans						Number of Loans						Deferral Period						Balance						Percentage of Capital
Commercial Purpose						38						Up to 6 months						$	35,464,419					13.75		%
Consumer Purpose						10						Up to 6 months						658,736						0.26
						48												$	36,123,155

The following table provides information with respect to the Corporation’s Commercial loans by industry at December 31, 2020 that may have suffered, or are expected to suffer, greater losses as a result of COVID-19.

Type of Loans						Number of Loans						Balance						Percentage of Total Loan Portfolio						Percentage of Capital
Lessors of Commercial Real Estate						7						$	7,165,485					0.44		%				2.78		%
Lessors of Residential Real Estate						1						18,066						0.00						0.01
Hospitality Industry (Hotels/Bed & Breakfast)						7						18,394,377						1.12						7.13
Food Services Industry						3						4,535,983						0.28						1.76
Other						20						5,350,508						0.33						2.07
						38						$	35,464,419					2.17		%				13.75		%

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