LOANS (Tables)

3 Months Ended

Mar. 31, 2015

LOANS

Schedule of loans

	March 31, 2015						December 31, 2014
(In thousands)	Business Activities Loans		Acquired Loans		Total		Business Activities Loans		Acquired Loans		Total
Residential mortgages:
1-4 family	$	1,188,018	$	256,503	$	1,444,521	$	1,199,408	$	268,734	$	1,468,142
Construction	27,796		922		28,718		27,044		1,018		28,062
Total residential mortgages	1,215,814		257,425		1,473,239		1,226,452		269,752		1,496,204
Commercial real estate:
Construction	182,800		4,046		186,846		169,189		4,201		173,390
Single and multi-family	142,297		48,429		190,726		140,050		53,168		193,218
Other commercial real estate	1,086,893		207,634		1,294,527		1,030,837		214,122		1,244,959
Total commercial real estate	1,411,990		260,109		1,672,099		1,340,076		271,491		1,611,567
Commercial and industrial loans:
Asset based lending	354,106		—		354,106		341,246		—		341,246
Other commercial and industrial loans	424,565		48,144		472,709		411,945		51,175		463,120
Total commercial and industrial loans	778,671		48,144		826,815		753,191		51,175		804,366
Total commercial loans	2,190,661		308,253		2,498,914		2,093,267		322,666		2,415,933
Consumer loans:
Home equity	255,368		62,247		317,615		252,681		65,951		318,632
Auto and other	351,826		87,069		438,895		346,480		103,351		449,831
Total consumer loans	607,194		149,316		756,510		599,161		169,302		768,463
Total loans	$	4,013,669	$	714,994	$	4,728,663	$	3,918,880	$	761,720	$	4,680,600

Schedule of activity in the accretable yield for the acquired loan portfolio that falls under the purview of ASC 310-30, Accounting for Certain Loans or Debt Securities Acquired in a Transfer

	Three Months Ended March 31,
(In thousands)	2015			2014
Balance at beginning of period	$	2,541		$	2,559
Sales	—			—
Reclassification form nonaccretable difference for loans with improved cash flows	1,330			1,540
Accretion	(440		)	(945		)
Balance at end of period	$	3,431		$	3,154

Summary of past due loans

Business Activities Loans

(in thousands)	30-59 Days Past Due		60-89 Days Past Due		Greater Than 90 Days Past Due		Total Past Due		Current		Total Loans		Past Due > 90 days and Accruing
March 31, 2015
Residential mortgages:
1-4 family	$	1,888	$	888	$	4,066	$	6,842	$	1,181,176	$	1,188,018	$	1,699
Construction	—		—		414		414		27,382		27,796		414
Total	1,888		888		4,480		7,256		1,208,558		1,215,814		2,113
Commercial real estate:
Construction	—		—		758		758		182,042		182,800		—
Single and multi-family	245		247		406		898		141,399		142,297		—
Other commercial real estate	1,900		330		9,202		11,432		1,075,461		1,086,893		266
Total	2,145		577		10,366		13,088		1,398,902		1,411,990		266
Commercial and industrial loans:
Asset based lending	—		—		—		—		354,106		354,106		—
Other commercial and industrial loans	1,371		150		725		2,246		422,319		424,565		—
Total	1,371		150		725		2,246		776,425		778,671		—
Consumer loans:
Home equity	589		154		2,546		3,289		252,079		255,368		1,354
Auto and other	744		54		255		1,053		350,773		351,826		3
Total	1,333		208		2,801		4,342		602,852		607,194		1,357
Total	$	6,737	$	1,823	$	18,372	$	26,932	$	3,986,737	$	4,013,669	$	3,736

Business Activities Loans

(in thousands)	30-59 Days Past Due		60-89 Days Past Due		Greater Than 90 Days Past Due		Total Past Due		Current		Total Loans		Past Due > 90 days and Accruing
December 31, 2014
Residential mortgages:
1-4 family	$	5,580	$	146	$	4,053	$	9,779	$	1,189,629	$	1,199,408	$	1,527
Construction	666		410		—		1,076		25,968		27,044		—
Total	6,246		556		4,053		10,855		1,215,597		1,226,452		1,527
Commercial real estate:
Construction	—		2,000		720		2,720		166,469		169,189		—
Single and multi-family	178		156		458		792		139,258		140,050		—
Other commercial real estate	692		705		9,383		10,780		1,020,057		1,030,837		621
Total	870		2,861		10,561		14,292		1,325,784		1,340,076		621
Commercial and industrial loans:
Asset based lending	—		—		—		—		341,246		341,246		—
Other commercial and industrial loans	1,040		498		856		2,394		409,551		411,945		6
Total	1,040		498		856		2,394		750,797		753,191		6
Consumer loans:
Home equity	333		1,000		1,387		2,720		249,961		252,681		230
Auto and other	831		65		315		1,211		345,269		346,480		10
Total	1,164		1,065		1,702		3,931		595,230		599,161		240
Total	$	9,320	$	4,980	$	17,172	$	31,472	$	3,887,408	$	3,918,880	$	2,394

Acquired Loans

(in thousands)	30-59 Days Past Due		60-89 Days Past Due		Greater Than 90 Days Past Due		Total Past Due		Acquired Credit Impaired		Total Loans		Past Due > 90 days and Accruing
March 31, 2015
Residential mortgages:
1-4 family	$	187	$	592	$	1,930	2,709		$	361	$	256,503	$	144
Construction	—		—		—		—		—		922		—
Total	187		592		1,930		2,709		361		257,425		144
Commercial real estate:
Construction	—		—		676		676		1,281		4,046		—
Single and multi-family	323		45		2,728		3,096		4,924		48,429		2,257
Other commercial real estate	1,116		116		2,269		3,501		5,222		207,634		—
Total	1,439		161		5,673		7,273		11,427		260,109		2,257
Commercial and industrial loans:
Asset based lending	—		—		—		—		—		—		—
Other commercial and industrial loans	285		—		586		871		705		48,144		3
Total	285		—		586		871		705		48,144		3
Consumer loans:
Home equity	209		228		1,118		1,555		170		62,247		242
Auto and other	1,394		23		731		2,148		—		87,069		19
Total	1,603		251		1,849		3,703		170		149,316		261
Total	$	3,514	$	1,004	$	10,038	$	14,556	$	12,663	$	714,994	$	2,665

Acquired Loans

(in thousands)	30-59 Days Past Due		60-89 Days Past Due		Greater Than 90 Days Past Due		Total Past Due		Acquired Credit Impaired		Total Loans		Past Due > 90 days and Accruing
December 31, 2014
Residential mortgages:
1-4 family	$	1,133	$	638	$	1,651	$	3,422	$	375	$	268,734	$	269
Construction	—		—		—		—		—		1,018		—
Total	1,133		638		1,651		3,422		375		269,752		269
Commercial real estate:
Construction	—		—		691		691		1,296		4,201		—
Single and multi-family	277		—		572		849		5,477		53,168		—
Other commercial real estate	—		715		2,004		2,719		5,504		214,122		329
Total	277		715		3,267		4,259		12,277		271,491		329
Commercial and industrial loans:
Asset based lending	—		—		—		—		—		—		—
Other commercial and industrial loans	202		32		855		1,089		986		51,175		—
Total	202		32		855		1,089		986		51,175		—
Consumer loans:
Home equity	176		95		1,049		1,320		171		65,951		466
Auto and other	1,170		944		1,363		3,477		—		103,351		194
Total	1,346		1,039		2,412		4,797		171		169,302		660
Total	$	2,958	$	2,424	$	8,185	$	13,567	$	13,809	$	761,720	$	1,258

Summary of information pertaining to non-accrual loans

	March 31, 2015						December 31, 2014
(In thousands)	Business Activities Loans		Acquired Loans (1)		Total		Business Activities Loans		Acquired Loans (2)		Total
Residential mortgages:
1-4 family	$	2,367	$	1,786	$	4,153	$	2,526	$	1,382	$	3,908
Construction	—		—		—		—		—		—
Total	2,367		1,786		4,153		2,526		1,382		3,908
Commercial real estate:
Construction	758		—		758		720		—		720
Single and multi-family	406		471		877		458		141		599
Other commercial real estate	8,936		1,939		10,875		8,762		1,675		10,437
Total	10,100		2,410		12,510		9,940		1,816		11,756
Commercial and industrial loans:
Other commercial and industrial loans	725		569		1,294		850		811		1,661
Total	725		569		1,294		850		811		1,661
Consumer loans:
Home equity	1,192		876		2,068		1,157		583		1,740
Auto and other	252		712		964		305		1,169		1,474
Total	1,444		1,588		3,032		1,462		1,752		3,214
Total non-accrual loans	$	14,636	$	6,353	$	20,989	$	14,778	$	5,761	$	20,539

(1) At quarter end March 31, 2015, acquired credit impaired loans accounted for $1.0 million of non-accrual loans that are not presented in the above table.

(2) At year end 2014, acquired credit impaired loans accounted for $1.2 million of non-accrual loans that are not presented in the above table.

Schedule of loans evaluated for impairment

Business Activities Loans

(In thousands)	Residential mortgages		Commercial real estate		Commercial and industrial loans		Consumer		Total
March 31, 2015
Loans receivable:
Balance at end of period
Individually evaluated for impairment	$	3,028	$	22,342	$	262	$	448	$	26,080
Collectively evaluated	1,212,786		1,389,648		778,409		606,746		3,987,589
Total	$	1,215,814	$	1,411,990	$	778,671	$	607,194	$	4,013,669

Business Activities Loans

(In thousands)	Residential mortgages		Commercial real estate		Commercial and industrial loans		Consumer		Total
December 31, 2014
Loans receivable:
Balance at end of year
Individually evaluated for impairment	$	3,238	$	22,015	$	743	$	452	$	26,448
Collectively evaluated for impairment	1,223,214		1,318,061		752,448		598,709		3,892,432
Total	$	1,226,452	$	1,340,076	$	753,191	$	599,161	$	3,918,880

Acquired Loans

(In thousands)	Residential mortgages		Commercial real estate		Commercial and industrial loans		Consumer		Total
March 31, 2015
Loans receivable:
Balance at end of Period
Individually evaluated for impairment	$	1,194	$	6,203	$	47	$	546	$	7,990
Collectively evaluated	256,231		253,906		48,097		148,770		707,004
Total	$	257,425	$	260,109	$	48,144	$	149,316	$	714,994

Acquired Loans

(In thousands)	Residential mortgages		Commercial real estate		Commercial and industrial loans		Consumer		Total
December 31, 2014
Loans receivable:
Balance at end of year
Individually evaluated for impairment	$	695	$	5,637	$	39	$	199	$	6,570
Collectively evaluated for impairment	269,057		265,854		51,136		169,103		755,150
Total	$	269,752	$	271,491	$	51,175	$	169,302	$	761,720

Summary of impaired loans

Business Activities Loans

	At March 31, 2015
(In thousands)	Recorded Investment		Unpaid Principal Balance		Related Allowance
With no related allowance:
Residential mortgages - 1-4 family	$	3,028	$	3,028	$	—
Commercial real estate - single and multifamily	180		180		—
Other commercial real estate loans	14,380		14,380		—
Commercial real esate - construction	2,632		2,632		—
Other commercial and industrial loans	262		262		—
Consumer - home equity	334		334		—
Consumer - other	114		114		—
With an allowance recorded:
Other commercial real estate loans	$	4,064	$	5,150	$	1,086
Total
Residential mortgages	$	3,028	$	3,028	$	—
Commercial real estate	21,256		22,342		1,086
Commercial and industrial loans	262		262		—
Consumer	448		448		—
Total impaired loans	$	24,994	$	26,080	$	1,086

Acquired Loans

	At March 31, 2015
(In thousands)	Recorded Investment		Unpaid Principal Balance		Related Allowance
With no related allowance:
Residential mortgages - 1-4 family	$	625	$	625	$	—
Commercial real estate - single and multifamily	2,857		2,857		—
Other commercial real estate loans	1,649		1,649		—
Other commercial and industrial loans	47		47		—
Consumer - home equity	197		197		—
With an allowance recorded:
Residential mortgages - 1-4 family	$	517	$	569	$	52
Commercial real estate - single and multifamily	318		330		12
Other commercial real estate loans	504		691		187
Commercial real esate - construction	420		676		256
Consumer - home equity	288		349		61
Total
Residential mortgages	$	1,142	$	1,194	$	52
Commercial real estate	5,748		6,203		455
Commercial and industrial loans	47		47		—
Consumer	485		546		61
Total impaired loans	$	7,422	$	7,990	$	568

Business Activities Loans

	At December 31, 2014
(In thousands)	Recorded Investment		Unpaid Principal Balance		Related Allowance
With no related allowance:
Residential mortgages - 1-4 family	$	2,528	$	2,528	$	—
Commercial real estate - construction	16,990		16,990		—
Commercial real estate - single and multifamily	—		—		—
Other commercial real estate loans	102		102		—
Other commercial and industrial loans	743		743		—
Consumer - home equity	87		87		—
Consumer - other	—		—		—
With an allowance recorded:
Residential mortgages - 1-4 family	$	555	$	710	$	155
Commercial real estate - construction	3,511		4,431		920
Commercial real estate - single and multifamily	490		492		2
Other commercial real estate loans	—		—		—
Other commercial and industrial loans	—		—		—
Consumer - home equity	194		248		54
Consumer - other	105		117		12
Total
Residential mortgages	$	3,083	$	3,238	$	155
Commercial real estate	21,093		22,015		922
Commercial and industrial loans	743		743		—
Consumer	386		452		66
Total impaired loans	$	25,305	$	26,448	$	1,143

Acquired Loans

	At December 31, 2014
(In thousands)	Recorded Investment		Unpaid Principal Balance		Related Allowance
With no related allowance:
Residential mortgages - 1-4 family	$	189	$	189	$	—
Other commercial real estate loans	5,206		5,206		—
Other commercial and industrial loans	39		39		—
Consumer - home equity	—		—		—
With an allowance recorded:
Residential mortgages - 1-4 family	$	458	$	506	$	48
Other commercial real estate loans	383		431		48
Consumer - home equity	124		199		75
Total
Residential mortgages	$	647	$	695	$	48
Other commercial real estate loans	5,589		5,637		48
Other commercial and industrial loans	39		39		—
Consumer - home equity	124		199		75
Total impaired loans	$	6,399	$	6,570	$	171

Summary of the average recorded investment and interest income recognized on impaired loans

Business Activities Loans

	Three Months Ended March 31, 2015				Three Months Ended March 31, 2014
(in thousands)	Average Recorded Investment		Cash Basis Interest Income Recognized		Average Recorded Investment		Cash Basis Interest Income Recognized
With no related allowance:
Residential mortgages - 1-4 family	$	3,108	$	28	$	4,142	$	23
Commercial real estate - construction	2,628		1		1,957		—
Commercial real estate - single and multifamily	180		—		—		—
Other commercial real estate loans	15,315		131		16,180		154
Commercial and industrial loans	578		3		1,337		7
Consumer - home equity	334		—		348		1
Consumer - other	115		1		124		1
With an allowance recorded:
Residential mortgages - 1-4 family	$	—	$	—	$	1,774	$	16
Commercial real estate - construction	—		—		1,013		—
Other commercial real estate loans	5,267		—		3,450		—
Commercial and industrial loans	—		—		55		1
Consumer - home equity	—		—		41		—
Total
Residential mortgages	$	3,108	$	28	$	5,916	$	39
Commercial real estate	23,390		132		22,600		154
Commercial and industrial loans	578		3		1,392		8
Consumer loans	449		1		513		2
Total impaired loans	$	27,525	$	164	$	30,421	$	203

Acquired Loans

	Three Months Ended March 31, 2015				Three Months Ended March 31, 2014
(in thousands)	Average Recorded Investment		Cash Basis Interest Income Recognized		Average Recorded Investment		Cash Basis Interest Income Recognized
With no related allowance:
Residential mortgages - 1-4 family	$	670	$	3	$	1,303	$	5
Commercial real estate - single and multifamily	2,892		24		—		—
Other commercial real estate loans	1,662		3		4,821		25
Other commercial and industrial loans	64		3		—		—
Consumer - home equity	197		2		562		1
Consumer - other	—		—		154		—
With an allowance recorded:
Residential mortgages - 1-4 family	$	569	$	—	$	162	$	—
Commercial real estate - single and multifamily	397		—		—		—
Other commercial real estate loans	691		—		1,577		46
Commercial real esate - construction	666		44		—		—
Consumer - home equity	349		—		—		—
Consumer - other	—		—		70		2
Total
Residential mortgages	$	1,239	$	3	$	1,465	$	5
Other commercial real estate loans	6,308		71		6,398		71
Commercial and industrial loans	64		3		632		3
Consumer loans	546		2		154		—
Total impaired loans	$	8,157	$	79	$	8,649	$	79

Schedule of recorded investment and number of modifications for TDRs identified during the period

	Modifications by Class
	Three months ending March 31, 2015
(Dollars in thousands)	Number of Modifications	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment
Troubled Debt Restructurings
Commercial - Construction	1	$	123	$	123
Commercial - Other	1	2,000		2,000
Commercial and industrial - Other	1	33		33
Total	3	$	2,156	$	2,156

	Modifications by Class
	Three months ending March 31, 2014
(Dollars in thousands)	Number of Modifications	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment
Troubled Debt Restructurings
Residential - 1-4 Family	1	$	122	$	119

	Modifications that Subsequently Defaulted
	Three months ending March 31, 2015
	Number of Contracts	Recorded Investment
Troubled Debt Restructurings
Commercial - Other	1	$	668

Schedule of TDR activity

	Three Months Ending
	March 31,
(In thousands)	2015			2014
Balance at beginning of the period	$	16,714		$	10,822
Principal payments	(484		)	(872		)
TDR status change (1)	—			(52		)
Other reductions/increases (2)	(1,182		)	95
Newly identified TDRs	2,156			119
Balance at end of the period	$	17,204		$	10,112

(1) TDR status change classification represents TDR loans with a specified interest rate equal to or greater than the rate that the Company was willing to accept at the time of the restructuring for a new loan with comparable risk and  the loan was on current payment status and not impaired based on the terms specified by the restructuring agreement.

(2) Other reductions classification consists of transfer to other real estate owned and charge-offs and advances to loans.