XML 37 R24.htm IDEA: XBRL DOCUMENT v3.20.2
ALLOWANCE FOR LOAN LOSSES (Tables)
6 Months Ended
Jun. 30, 2020
Receivables [Abstract]  
Schedule of Activity in the Allowance for Loan Losses

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

Business Activities Loans

​

At or for the Three Months Ended June 30, 2020

​

    

Commercial

    

Commercial

    

Residential

    

​

​

    

​

​

(in thousands)

​

real estate

​

and industrial

​

real estate

​

Consumer

​

Total

Balance at beginning of period

​

$

7,661

​

$

3,543

​

$

3,513

​

$

384

​

$

15,101

Charged-off loans

​

 

—

​

 

(153)

​

 

(21)

​

 

(35)

​

 

(209)

Recoveries on charged-off loans

​

 

71

​

 

1

​

 

—

​

 

2

​

 

74

Provision (release) for loan losses

​

 

684

​

 

(150)

​

 

453

​

 

25

​

 

1,012

Balance at end of period

​

$

8,416

​

$

3,241

​

$

3,945

​

$

376

​

$

15,978

Individually evaluated for impairment

​

 

687

​

 

18

​

 

60

​

 

1

​

 

766

Collectively evaluated

​

 

7,729

​

 

3,223

​

 

3,885

​

 

375

​

 

15,212

Total

​

$

8,416

​

$

3,241

​

$

3,945

​

$

376

​

$

15,978

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

Business Activities Loans

​

At or for the Six Months Ended June 30, 2020

​

    

Commercial

    

Commercial

    

Residential

    

​

​

    

​

​

(in thousands)

​

real estate

​

and industrial

​

real estate

​

Consumer

​

Total

Balance at beginning of period

​

$

7,668

​

$

3,608

​

$

3,402

​

$

379

​

$

15,057

Charged-off loans

​

 

(771)

​

 

(304)

​

 

(21)

​

 

(185)

​

 

(1,281)

Recoveries on charged-off loans

​

 

78

​

 

1

​

 

—

​

 

2

​

 

81

Provision (release) for loan losses

​

 

1,441

​

 

(64)

​

 

564

​

 

180

​

 

2,121

Balance at end of period

​

$

8,416

​

$

3,241

​

$

3,945

​

$

376

​

$

15,978

Individually evaluated for impairment

​

 

687

​

 

18

​

 

60

​

 

1

​

 

766

Collectively evaluated

​

 

7,729

​

 

3,223

​

 

3,885

​

 

375

​

 

15,212

Total

​

$

8,416

​

$

3,241

​

$

3,945

​

$

376

​

$

15,978

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

Acquired Loans

​

At or for the Three Months Ended June 30, 2020

​

    

Commercial

    

Commercial

    

Residential

    

​

​

    

​

​

(in thousands)

​

real estate

​

and industrial

​

real estate

​

Consumer

​

Total

Balance at beginning of period

​

$

64

​

$

3

​

$

129

​

$

—

​

$

196

Charged-off loans

​

 

—

​

 

(3)

​

 

(3)

​

 

(5)

​

 

(11)

Recoveries on charged-off loans

​

 

—

​

 

—

​

 

4

​

 

—

​

 

4

Provision (release) for loan losses

​

 

337

​

 

12

​

 

(12)

​

 

5

​

 

342

Balance at end of period

​

$

401

​

$

12

​

$

118

​

$

—

​

$

531

Individually evaluated for impairment

​

 

365

​

 

9

​

 

67

​

 

—

​

 

441

Collectively evaluated

​

 

36

​

 

3

​

 

51

​

 

—

​

 

90

Total

​

$

401

​

$

12

​

$

118

​

$

—

​

$

531

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

Acquired Loans

​

At or for the Six Months Ended June 30, 2020

​

    

Commercial

    

Commercial

    

Residential

    

​

​

    

​

​

(in thousands)

​

real estate

​

and industrial

​

real estate

​

Consumer

​

Total

Balance at beginning of period

​

$

147

​

$

6

​

$

143

​

$

—

​

$

296

Charged-off loans

​

 

(101)

​

 

(33)

​

 

(11)

​

 

(6)

​

 

(151)

Recoveries on charged-off loans

​

 

18

​

 

9

​

 

11

​

 

4

​

 

42

Provision (release) for loan losses

​

 

337

​

 

30

​

 

(25)

​

 

2

​

 

344

Balance at end of period

​

$

401

​

$

12

​

$

118

​

$

—

​

$

531

Individually evaluated for impairment

​

 

365

​

 

9

​

 

67

​

 

—

​

 

441

Collectively evaluated

​

 

36

​

 

3

​

 

51

​

 

—

​

 

90

Total

​

$

401

​

$

12

​

$

118

​

$

—

​

$

531

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

Business Activities Loans

​

At or for the Three Months Ended June 30, 2019

​

    

Commercial

    

Commercial

    

Residential

    

​

​

    

​

​

(in thousands)

​

real estate

​

and industrial

​

real estate

​

Consumer

​

Total

Balance at beginning of period

​

$

6,575

​

$

2,778

​

$

3,953

​

$

396

​

$

13,702

Charged-off loans

​

 

—

​

 

(13)

​

 

—

​

 

(22)

​

 

(35)

Recoveries on charged-off loans

​

 

114

​

 

1

​

 

—

​

 

2

​

 

117

Provision (release) for loan losses

​

 

517

​

 

(18)

​

 

(11)

​

 

18

​

 

506

Balance at end of period

​

$

7,206

​

$

2,748

​

$

3,942

​

$

394

​

$

14,290

Individually evaluated for impairment

​

 

449

​

 

39

​

 

75

​

 

1

​

 

564

Collectively evaluated

​

 

6,757

​

 

2,709

​

 

3,867

​

 

393

​

 

13,726

Total

​

$

7,206

​

$

2,748

​

$

3,942

​

$

394

​

$

14,290

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

Business Activities Loans

​

At or for the Six Months Ended June 30, 2019

​

    

Commercial

    

Commercial

    

Residential

    

​

​

    

​

​

(in thousands)

​

real estate

​

and industrial

​

real estate

​

Consumer

​

Total

Balance at beginning of period

​

$

6,811

​

$

2,380

​

$

3,982

​

$

408

​

$

13,581

Charged-off loans

​

 

(57)

​

 

(13)

​

 

—

​

 

(75)

​

 

(145)

Recoveries on charged-off loans

​

 

130

​

 

1

​

 

18

​

 

6

​

 

155

Provision (release) for loan losses

​

 

322

​

 

380

​

 

(58)

​

 

55

​

 

699

Balance at end of period

​

$

7,206

​

$

2,748

​

$

3,942

​

$

394

​

$

14,290

Individually evaluated for impairment

​

 

449

​

 

39

​

 

75

​

 

1

​

 

564

Collectively evaluated

​

 

6,757

​

 

2,709

​

 

3,867

​

 

393

​

 

13,726

Total

​

$

7,206

​

$

2,748

​

$

3,942

​

$

394

​

$

14,290

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

Acquired Loans

​

At or for the Three Months Ended June 30, 2019

​

    

Commercial

    

Commercial

    

Residential

    

​

​

    

​

​

(in thousands)

​

real estate

​

and industrial

​

real estate

​

Consumer

​

Total

Balance at beginning of period

​

$

161

​

$

29

​

$

105

​

$

—

​

$

295

Charged-off loans

 

​

—

 

​

—

 

​

(65)

 

​

(4)

 

​

(69)

Recoveries on charged-off loans

 

​

—

 

​

—

 

​

—

 

​

—

 

​

—

Provision (release) for loan losses

 

​

(2)

 

​

(7)

 

​

61

 

​

4

 

​

56

Balance at end of period

​

$

159

​

$

22

​

$

101

​

$

—

​

$

282

Individually evaluated for impairment

​

 

12

​

 

—

​

 

35

​

 

—

​

 

47

Collectively evaluated

​

 

147

​

 

22

​

 

66

​

 

—

​

 

235

Total

​

$

159

​

$

22

​

$

101

​

$

—

​

$

282

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

Acquired Loans

​

At or for the Six Months Ended June 30, 2019

​

    

Commercial

    

Commercial

    

Residential

    

​

​

    

​

​

(in thousands)

​

real estate

​

and industrial

​

real estate

​

Consumer

​

Total

Balance at beginning of period

​

$

173

​

$

35

​

$

77

​

$

—

​

$

285

Charged-off loans

 

​

—

 

​

(15)

 

​

(170)

 

​

(5)

 

​

(190)

Recoveries on charged-off loans

 

​

—

 

​

—

 

​

—

 

​

—

 

​

—

Provision (releases) for loan losses

 

​

(14)

 

​

2

 

​

194

 

​

5

 

​

187

Balance at end of period

​

$

159

​

$

22

​

$

101

​

$

—

​

$

282

Individually evaluated for impairment

​

 

12

​

 

—

​

 

35

​

 

—

​

 

47

Collectively evaluated

​

 

147

​

 

22

​

 

66

​

 

—

​

 

235

Total

​

$

159

​

$

22

​

$

101

​

$

—

​

$

282

Schedule of Loans by Risk Rating

Business Activities Loans

Commercial Real Estate

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

Commercial construction

​

​

​

​

​

​

​

​

​

​

​

​

​

​

and land development

​

Commercial real estate other

​

Total commercial real estate

(in thousands)

    

Jun 30, 2020

    

Dec 31, 2019

    

Jun 30, 2020

    

Dec 31, 2019

    

Jun 30, 2020

    

Dec 31, 2019

Grade:

​

  

​

​

  

​

​

  

​

​

  

​

​

  

​

​

  

​

Pass

​

$

59,829

​

$

31,057

​

$

699,720

​

$

646,886

​

$

759,549

​

$

677,943

Special mention

​

 

—

​

 

—

​

 

9,011

​

 

5,483

​

 

9,011

​

 

5,483

Substandard

​

 

—

​

 

330

​

 

13,257

​

 

11,974

​

 

13,257

​

 

12,304

Doubtful

​

 

267

​

 

—

​

 

961

​

 

1,708

​

 

1,228

​

 

1,708

Total

​

$

60,096

​

$

31,387

​

$

722,949

​

$

666,051

​

$

783,045

​

$

697,438

​

Acquired Loans

Commercial Real Estate

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

Commercial construction

​

​

​

​

​

​

​

​

​

​

​

​

​

​

and land development

​

Commercial real estate other

​

Total commercial real estate

(in thousands)

    

Jun 30, 2020

    

Dec 31, 2019

    

Jun 30, 2020

    

Dec 31, 2019

    

Jun 30, 2020

    

Dec 31, 2019

Grade:

​

  

​

​

  

​

​

  

​

​

  

​

​

  

​

​

  

​

Pass

​

$

2,014

​

$

2,412

​

$

185,970

​

$

218,491

​

$

187,984

​

$

220,903

Special mention

​

 

—

​

 

12

​

 

1,499

​

 

2,261

​

 

1,499

​

 

2,273

Substandard

​

 

363

​

 

479

​

 

7,617

​

 

9,400

​

 

7,980

​

 

9,879

Doubtful

​

 

—

​

 

—

​

 

1,562

​

 

168

​

 

1,562

​

 

168

Total

​

$

2,377

​

$

2,903

​

$

196,648

​

$

230,320

​

$

199,025

​

$

233,223

​

Business Activities Loans

Commercial and Industrial

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

Commercial

​

Agricultural

​

Tax exempt loans

​

Total commercial
and industrial

(in thousands)

    

Jun 30, 2020

    

Dec 31, 2019

    

Jun 30, 2020

    

Dec 31, 2019

    

Jun 30, 2020

    

Dec 31, 2019

    

Jun 30, 2020

    

Dec 31, 2019

Grade:

​

  

​

​

  

​

​

  

​

​

  

​

​

  

​

​

  

​

​

  

​

​

  

​

Pass

​

$

366,761

​

$

221,329

​

$

17,138

​

$

18,940

​

$

40,593

​

$

66,860

​

$

424,492

​

$

307,129

Special mention

​

 

3,544

​

 

2,744

​

 

219

​

 

298

​

 

—

​

 

—

​

 

3,763

​

 

3,042

Substandard

​

 

13,363

​

 

14,866

​

 

444

​

 

780

​

 

—

​

 

—

​

 

13,807

​

 

15,646

Doubtful

​

 

722

​

 

753

​

 

225

​

 

—

​

 

—

​

 

—

​

 

947

​

 

753

Total

​

$

384,390

​

$

239,692

​

$

18,026

​

$

20,018

​

$

40,593

​

$

66,860

​

$

443,009

​

$

326,570

​

Acquired Loans

Commercial and Industrial

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

Commercial

​

Agricultural

​

Tax exempt loans

​

Total commercial
and industrial

(in thousands)

    

Jun 30, 2020

    

Dec 31, 2019

    

Jun 30, 2020

    

Dec 31, 2019

    

Jun 30, 2020

    

Dec 31, 2019

    

Jun 30, 2020

    

Dec 31, 2019

Grade:

​

  

​

​

  

​

​

  

​

​

  

​

​

  

​

​

  

​

​

  

​

​

  

​

Pass

​

$

67,501

​

$

51,184

​

$

23

​

$

58

​

$

26,325

​

$

37,407

​

$

93,849

​

$

88,649

Special mention

​

 

831

​

 

5,432

​

 

—

​

 

—

​

 

—

​

 

—

​

 

831

​

 

5,432

Substandard

​

 

1,047

​

 

2,115

​

 

136

​

 

148

​

 

—

​

 

36

​

 

1,183

​

 

2,299

Doubtful

​

 

570

​

 

341

​

 

—

​

 

—

​

 

—

​

 

—

​

 

570

​

 

341

Total

​

$

69,949

​

$

59,072

​

$

159

​

$

206

​

$

26,325

​

$

37,443

​

$

96,433

​

$

96,721

​

Business Activities Loans

Residential Real Estate and Consumer Loans

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

Residential real estate

​

Home equity

​

Other consumer

​

Total residential real estate and consumer

(in thousands)

    

Jun 30, 2020

    

Dec 31, 2019

    

Jun 30, 2020

    

Dec 31, 2019

    

Jun 30, 2020

    

Dec 31, 2019

    

Jun 30, 2020

    

Dec 31, 2019

Performing

​

$

721,409

​

$

737,325

​

$

58,795

​

$

58,753

​

$

8,668

​

$

11,146

​

$

788,872

​

$

807,224

Nonperforming

 

​

4,041

 

​

3,362

 

​

618

 

​

615

 

​

17

 

​

21

 

​

4,676

 

​

3,998

Total

​

$

725,450

​

$

740,687

​

$

59,413

​

$

59,368

​

$

8,685

​

$

11,167

​

$

793,548

​

$

811,222

​

Acquired Loans

Residential Real Estate and Consumer Loans

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

Residential real estate

​

Home equity

​

Other consumer

​

Total residential real estate and consumer

(in thousands)

    

Jun 30, 2020

    

Dec 31, 2019

    

Jun 30, 2020

    

Dec 31, 2019

    

Jun 30, 2020

    

Dec 31, 2019

    

Jun 30, 2020

    

Dec 31, 2019

Performing

​

$

353,736

​

$

407,811

​

$

54,101

​

$

62,504

​

$

1,413

​

$

1,707

​

$

409,250

​

$

472,022

Nonperforming

 

​

4,522

 

​

3,359

 

​

585

 

​

529

 

​

—

 

​

8

 

​

5,107

 

​

3,896

Total

​

$

358,258

​

$

411,170

​

$

54,686

​

$

63,033

​

$

1,413

​

$

1,715

​

$

414,357

​

$

475,918

Summary of Information About Total Loans Rated Special Mention or Lower

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

June 30, 2020

​

December 31, 2019

​

​

Business

​

​

​

​

​

​

​

Business

​

​

​

​

​

​

(in thousands)

    

Activities Loans

    

Acquired  Loans

    

Total

    

Activities Loans

    

Acquired  Loans

    

Total

Non-accrual

​

$

7,761

​

$

6,227

​

$

13,988

​

$

8,354

​

$

3,196

​

$

11,550

Substandard accruing

 

​

26,154

 

​

10,175

 

​

36,329

 

​

26,055

 

​

13,387

 

​

39,442

Total classified

 

​

33,915

 

​

16,402

 

​

50,317

 

​

34,409

 

​

16,583

 

​

50,992

Special mention

 

​

12,774

 

​

2,330

 

​

15,104

 

​

8,525

 

​

7,705

 

​

16,230

Total Criticized

​

$

46,689

​

$

18,732

​

$

65,421

​

$

42,934

​

$

24,288

​

$

67,222