LOAN LOSS ALLOWANCE (Tables)

3 Months Ended

Mar. 31, 2015

LOAN LOSS ALLOWANCE

Schedule of activity in the allowance for loan losses

Business Activities Loans (In thousands)	Residential mortgages			Commercial real estate		Commercial and industrial loans		Consumer			Unallocated		Total
March 31, 2015
Balance at beginning of period	$	6,836		$	14,690	$	5,206	$	5,928		$	135	$	32,795
Charged-off loans	128			1,605		223		202			—		2,158
Recoveries on charged-off loans	67			3		5		61			—		136
Provision for loan losses	(702		)	1,330		1,460		(751		)	158		1,495
Balance at end of period	$	6,073		$	14,418	$	6,448	$	5,036		$	293	$	32,268
Individually evaluated for impairment	—			1,086		—		—			—		1,086
Collectively evaluated	6,073			13,332		6,448		5,036			293		31,182
Total	$	6,073		$	14,418	$	6,448	$	5,036		$	293	$	32,268

Business Activities Loans (In thousands)	Residential mortgages			Commercial real estate		Commercial and industrial loans			Consumer		Unallocated			Total
March 31, 2014
Balance at beginning of period	$	6,937		$	13,705	$	5,173		$	3,644	$	68		$	29,527
Charged-off loans	706			660		189			429		—			1,984
Recoveries on charged-off loans	7			1		20			79		—			107
Provision for loan losses	(575		)	1,900		(185		)	836		(248		)	1,728
Balance at end of period	$	5,663		$	14,946	$	4,819		$	4,130	$	(180	)	$	29,378
Individually evaluated for impairment	397			1,558		54			9		—			2,018
Collectively evaluated	5,266			13,388		4,765			4,121		(180		)	27,360
Total	$	5,663		$	14,946	$	4,819		$	4,130	$	(180	)	$	29,378

Acquired Loans (In thousands)	Residential mortgages		Commercial real estate		Commercial and industrial loans			Consumer		Unallocated		Total
March 31, 2015
Balance at beginning of period	$	615	$	790	$	1,093		$	369	$	—	$	2,867
Charged-off loans	238		405		198			433		—		1,274
Recoveries on charged-off loans	—		—		41			28		—		69
Provision for loan losses	372		1,579		(11		)	416		—		2,356
Balance at end of period	$	749	$	1,964	$	925		$	380	$	—	$	4,018
Individually evaluated for impairment	52		455					61		—		568
Collectively evaluated	697		1,509		925			319		—		3,450
Total	$	749	$	1,964	$	925		$	380	$	—	$	4,018

Acquired Loans (In thousands)	Residential mortgages		Commercial real estate		Commercial and industrial loans		Consumer		Unallocated		Total
March 31, 2014
Balance at beginning of period	$	625	$	2,339	$	597	$	235	$	—	$	3,796
Charged-off loans	429		447		52		405		—		1,333
Recoveries on charged-off loans	73		1		5		14		—		93
Provision for loan losses	401		231		548		488		—		1,668
Balance at end of period	$	670	$	2,124	$	1,098	$	332	$	—	$	4,224
Individually evaluated for impairment	30		250		21		—		—		301
Collectively evaluated	640		1,874		1,077		332		—		3,923
Total	$	670	$	2,124	$	1,098	$	332	$	—	$	4,224

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)	Mar. 31, 2015		Dec. 31, 2014		Mar. 31, 2015		Dec. 31, 2014		Mar. 31, 2015		Dec. 31, 2014
Grade:
Pass	$	1,183,064	$	1,195,209	$	27,382	$	26,634	$	1,210,446	$	1,221,843
Special mention	888		146		—		410		888		556
Substandard	4,066		4,053		414		—		4,480		4,053
Total	$	1,188,018	$	1,199,408	$	27,796	$	27,044	$	1,215,814	$	1,226,452

Commercial Real Estate

Credit Risk Profile by Creditworthiness Category

	Construction				Single and multi-family				Other				Total commercial real estate
(In thousands)	Mar. 31, 2015		Dec. 31, 2014		Mar. 31, 2015		Dec. 31, 2014		Mar. 31, 2015		Dec. 31, 2014		Mar. 31, 2015		Dec. 31, 2014
Grade:
Pass	$	179,868	$	166,295	$	140,022	$	137,533	$	1,023,304	$	959,836	$	1,343,194	$	1,263,664
Special mention	—		—		—		—		6,891		6,933		6,891		6,933
Substandard	2,932		2,894		2,275		2,517		56,625		63,995		61,832		69,406
Doubtful	—		—		—		—		73		73		73		73
Total	$	182,800	$	169,189	$	142,297	$	140,050	$	1,086,893	$	1,030,837	$	1,411,990	$	1,340,076

Commercial and Industrial Loans

Credit Risk Profile by Creditworthiness Category

	Asset based lending				Other				Total comm. and industrial loans
(In thousands)	Mar. 31, 2015		Dec. 31, 2014		Mar. 31, 2015		Dec. 31, 2014		Mar. 31, 2015		Dec. 31, 2014
Grade:
Pass	$	354,106	$	341,246	$	410,699	$	404,846	$	764,805	$	746,092
Special mention	—		—		187		560		187		560
Substandard	—		—		13,679		6,539		13,679		6,539
Total	$	354,106	$	341,246	$	424,565	$	411,945	$	778,671	$	753,191

Consumer Loans

Credit Risk Profile Based on Payment Activity

	Home equity				Auto and other				Total consumer loans
(In thousands)	Mar. 31, 2015		Dec. 31, 2014		Mar. 31, 2015		Dec. 31, 2014		Mar. 31, 2015		Dec. 31, 2014
Performing	$	254,176	$	251,524	$	351,574	$	346,175	$	605,750	$	597,699
Nonperforming	1,192		1,157		252		305		1,444		1,462
Total	$	255,368	$	252,681	$	351,826	$	346,480	$	607,194	$	599,161

Acquired Loans

Residential Mortgages

Credit Risk Profile by Internally Assigned Grade

	1-4 family				Construction				Total residential mortgages
(In thousands)	Mar. 31, 2015		Dec. 31, 2014		Mar. 31, 2015		Dec. 31, 2014		Mar. 31, 2015		Dec. 31, 2014
Grade:
Pass	$	253,866	$	266,445	$	922	$	1,018	$	254,788	$	267,463
Special mention	707		638		—		—		707		638
Substandard	1,930		1,651		—		—		1,930		1,651
Total	$	256,503	$	268,734	$	922	$	1,018	$	257,425	$	269,752

Commercial Real Estate

Credit Risk Profile by Creditworthiness Category

	Construction				Single and multi-family				Other				Total commercial real estate
(In thousands)	Mar. 31, 2015		Dec. 31, 2014		Mar. 31, 2015		Dec. 31, 2014		Mar. 31, 2015		Dec. 31, 2014		Mar. 31, 2015		Dec. 31, 2014
Grade:
Pass	$	2,765	$	2,904	$	41,145	$	44,497	$	192,233	$	195,681	$	236,143	$	243,082
Special mention	—		—		120		533		2,208		4,868		2,328		5,401
Substandard	1,281		1,297		7,164		8,138		13,193		13,573		21,638		23,008
Total	$	4,046	$	4,201	$	48,429	$	53,168	$	207,634	$	214,122	$	260,109	$	271,491

Commercial and Industrial Loans

Credit Risk Profile by Creditworthiness Category

	Asset based lending				Other				Total comm. and industrial loans
(In thousands)	Mar. 31, 2015		Dec. 31, 2014		Mar. 31, 2015		Dec. 31, 2014		Mar. 31, 2015		Dec. 31, 2014
Grade:
Pass	$	—	$	—	$	44,922	$	45,757	$	44,922	$	45,757
Special mention	—		—		—		1,723		—		1,723
Substandard	—		—		3,222		3,695		3,222		3,695
Total	$	—	$	—	$	48,144	$	51,175	$	48,144	$	51,175

Consumer Loans

Credit Risk Profile Based on Payment Activity

	Home equity				Auto and other				Total consumer loans
(In thousands)	Mar. 31, 2015		Dec. 31, 2014		Mar. 31, 2015		Dec. 31, 2014		Mar. 31, 2015		Dec. 31, 2014
Performing	$	61,371	$	65,368	$	86,356	$	102,182	$	147,727	$	167,550
Nonperforming	876		583		713		1,169		1,589		1,752
Total	$	62,247	$	65,951	$	87,069	$	103,351	$	149,316	$	169,302

Summary of information about total loans rated special mention or lower

	March 31, 2015						December 31, 2014
(In thousands)	Business Activities Loans		Acquired Loans		Total		Business Activities Loans		Acquired Loans		Total
Non-Accrual	$	14,636	$	7,373	$	22,009	$	14,778	$	6,927	$	21,705
Substandard Accruing	68,228		21,266		89,494		66,995		23,839		90,834
Total Classified	82,864		28,639		111,503		81,773		30,766		112,539
Special Mention	8,175		3,286		11,461		9,113		8,800		17,913
Total Criticized	$	91,039	$	31,925	$	122,964	$	90,886	$	39,566	$	130,452