LOAN LOSS ALLOWANCE (Tables)

12 Months Ended

Dec. 31, 2014

LOAN LOSS ALLOWANCE

Schedule of activity in the allowance for loan losses

Business Activities Loans

(In thousands)	Residential		Commercial		Commercial
2014	mortgages		real estate		and industrial		Consumer		Unallocated		Total
Balance at beginning of year	$	6,937	$	13,705	$	5,173	$	3,644	$	68	$	29,527
Charged-off loans	1,455		4,207		2,500		1,308		—		9,470
Recoveries on charged-off loans	186		9		193		285		—		673
Provision for loan losses	1,168		5,183		2,340		3,307		67		12,065
Balance at end of year	$	6,836	$	14,690	$	5,206	$	5,928	$	135	$	32,795
Individually evaluated for impairment	155		922		—		66		—		1,143
Collectively evaluated	6,681		13,768		5,206		5,862		135		31,652
Total	$	6,836	$	14,690	$	5,206	$	5,928	$	135	$	32,795

Acquired Loans

(In thousands)	Residential		Commercial			Commercial
2014	mortgages		real estate			and industrial		Consumer		Unallocated		Total
Balance at beginning of year	$	625	$	2,339		$	597	$	235	$	—	$	3,796
Charged-off loans	1,141		1,477			510		1,255		—		4,383
Recoveries on charged-off loans	179		261			35		76		—		551
Provision for loan losses	952		(333		)	971		1,313		—		2,903
Balance at end of year	$	615	$	790		$	1,093	$	369	$	—	$	2,867
Individually evaluated for impairment	48		48			—		75		—		171
Collectively evaluated	567		742			1,093		294		—		2,696
Total	$	615	$	790		$	1,093	$	369	$	—	$	2,867

Business Activities Loans

(In thousands)	Residential		Commercial			Commercial
2013	mortgages		real estate			and industrial		Consumer		Unallocated		Total
Balance at beginning of year	$	5,928	$	18,863		$	5,605	$	1,466	$	29	$	31,891
Charged-off loans	1,761		3,378			2,046		917		—		8,102
Recoveries on charged-off loans	398		540			121		270		—		1,329
Provision for loan losses	2,372		(2,320		)	1,493		2,825		39		4,409
Balance at end of year	$	6,937	$	13,705		$	5,173	$	3,644	$	68	$	29,527
Individually evaluated for impairment	905		219			55		103		—		1,282
Collectively evaluated	6,032		13,486			5,118		3,541		68		28,245
Total	$	6,937	$	13,705		$	5,173	$	3,644	$	68	$	29,527

Acquired Loans

(In thousands)	Residential		Commercial		Commercial
2013	mortgages		real estate		and industrial		Consumer		Unallocated			Total
Balance at beginning of year	$	509	$	390	$	96	$	314	$	8		$	1,317
Charged-off loans	636		1,748		771		1,580		—			4,735
Recoveries on charged-off loans	1		15		84		145		—			245
Provision for loan losses	751		3,682		1,188		1,356		(8		)	6,969
Balance at end of year	$	625	$	2,339	$	597	$	235	$	—		$	3,796
Individually evaluated for impairment	230		488		—		39		—			757
Collectively evaluated	395		1,851		597		196		—			3,039
Total	$	625	$	2,339	$	597	$	235	$	—		$	3,796

Business Activities Loans

(In thousands)	Residential		Commercial		Commercial
2012	mortgages		real estate		and industrial		Consumer		Unallocated			Total
Balance at beginning of year	$	3,150	$	22,095	$	4,540	$	2,203	$	(90	)	$	31,898
Charged-off loans	2,604		4,229		697		1,537		—			9,067
Recoveries on charged-off loans	103		52		96		165		—			416
Provision for loan losses	5,279		945		1,666		635		119			8,644
Balance at end of year	$	5,928	$	18,863	$	5,605	$	1,466	$	29		$	31,891
Individually evaluated for impairment	287		1,444		1,205		273		—			3,209
Collectively evaluated	5,641		17,419		4,400		1,193		29			28,682
Total	$	5,928	$	18,863	$	5,605	$	1,466	$	29		$	31,891

Acquired Loans

(In thousands)	Residential		Commercial		Commercial
2012	mortgages		real estate		and industrial		Consumer		Unallocated			Total
Balance at beginning of year	$	281	$	158	$	38	$	87	$	(18	)	$	546
Charged-off loans	43		—		—		340		—			383
Recoveries on charged-off loans	—		—		—		208		—			208
Provision for loan losses	271		232		58		359		26			946
Balance at end of year	$	509	$	390	$	96	$	314	$	8		$	1,317
Individually evaluated for impairment	55		—		—		—		—			55
Collectively evaluated	454		390		96		314		8			1,262
Total	$	509	$	390	$	96	$	314	$	8		$	1,317

Schedule of loans by risk rating

Business Activities Loans

Residential Mortgages

Credit Risk Profile by Internally Assigned Grade

	1-4 family				Construction				Total residential mortgages
(In thousands)	2014		2013		2014		2013		2014		2013
Grade:
Pass	$	1,195,209	$	1,019,732	$	26,634	$	18,117	$	1,221,843	$	1,037,849
Special mention	146		623		410		—		556		623
Substandard	4,053		7,382		—		41		4,053		7,423
Total	$	1,199,408	$	1,027,737	$	27,044	$	18,158	$	1,226,452	$	1,045,895

Commercial Mortgages

Credit Risk Profile by Creditworthiness Category

	Construction				Single and multi-family				Other				Total commercial real estate
(In thousands)	2014		2013		2014		2013		2014		2013		2014		2013
Grade:
Pass	$	166,295	$	120,071	$	137,533	$	59,636	$	959,836	$	800,672	$	1,263,664	$	980,379
Special mention	—		—		—		140		6,933		8,150		6,933		8,290
Substandard	2,894		5,176		2,517		3,717		63,995		61,807		69,406		70,700
Doubtful	—		—		—		—		73		642		73		642
Total	$	169,189	$	125,247	$	140,050	$	63,493	$	1,030,837	$	871,271	$	1,340,076	$	1,060,011

Commercial Business Loans

Credit Risk Profile by Creditworthiness Category

	Asset based lending				Other				Total comm. and industrial
(In thousands)	2014		2013		2014		2013		2014		2013
Grade:
Pass	$	341,246	$	294,241	$	404,846	$	313,984	$	746,092	$	608,225
Special mention	—		—		560		884		560		884
Substandard	—		—		6,539		7,725		6,539		7,725
Doubtful	—		—		—		603		—		603
Total	$	341,246	$	294,241	$	411,945	$	323,196	$	753,191	$	617,437

Consumer Loans

Credit Risk Profile Based on Payment Activity

	Home equity				Auto and other				Total consumer
(In thousands)	2014		2013		2014		2013		2014		2013
Performing	$	251,524	$	231,594	$	346,175	$	212,922	$	597,699	$	444,516
Nonperforming	1,157		1,083		305		249		1,462		1,332
Total	$	252,681	$	232,677	$	346,480	$	213,171	$	599,161	$	445,848

Acquired Loans

Residential Mortgages

Credit Risk Profile by Internally Assigned Grade

	1-4 family				Construction				Total residential mortgages
(In thousands)	2014		2013		2014		2013		2014		2013
Grade:
Pass	$	266,445	$	330,353	$	1,018	$	1,081	$	267,463	$	331,434
Special mention	638		437		—		—		638		437
Substandard	1,651		2,577		—		3,931		1,651		6,508
Total	$	268,734	$	333,367	$	1,018	$	5,012	$	269,752	$	338,379

Commercial Mortgages

Credit Risk Profile by Creditworthiness Category

	Construction				Single and multi-family				Other				Total commercial real estate
(In thousands)	2014		2013		2014		2013		2014		2013		2014		2013
Grade:
Pass	$	2,904	$	7,154	$	44,497	$	46,961	$	195,681	$	254,787	$	243,082	$	308,902
Special mention	—		—		533		4,799		4,868		9,034		5,401		13,833
Substandard	1,297		6,616		8,138		13,067		13,573		14,691		23,008		34,374
Total	$	4,201	$	13,770	$	53,168	$	64,827	$	214,122	$	278,512	$	271,491	$	357,109

Commercial Business Loans

Credit Risk Profile by Creditworthiness Category

	Asset based lending				Other				Total comm. and industrial
(In thousands)	2014		2013		2014		2013		2014		2013
Grade:
Pass	$	—	$	3,130	$	45,757	$	59,615	$	45,757	$	62,745
Special mention	—		—		1,723		2,396		1,723		2,396
Substandard	—		—		3,695		4,715		3,695		4,715
Total	$	—	$	3,130	$	51,175	$	66,726	$	51,175	$	69,856

Consumer Loans

Credit Risk Profile Based on Payment Activity

	Home equity				Auto and other				Total consumer
(In thousands)	2014		2013		2014		2013		2014		2013
Performing	$	65,368	$	73,552	$	102,182	$	170,275	$	167,550	$	243,827
Nonperforming	583		602		1,169		1,559		1,752		2,161
Total	$	65,951	$	74,154	$	103,351	$	171,834	$	169,302	$	245,988

Summary of information about total loans rated special mention or lower

	December 31, 2014						December 31, 2013
(In thousands)	Business Activities Loans		Acquired Loans		Total		Business Activities Loans		Acquired Loans		Total
Non-Accrual	$	14,778	$	6,927	$	21,705	$	18,472	$	8,983	$	27,455
Substandard Accruing	66,995		23,839		90,834		70,667		38,891		109,558
Total Classified	81,773		30,766		112,539		89,139		47,874		137,013
Special Mention	9,113		8,800		17,913		10,081		17,853		27,934
Total Criticized	$	90,886	$	39,566	$	130,452	$	99,220	$	65,727	$	164,947