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LOANS (Tables)
 6 Months Ended
Jun. 30, 2017
LOANS  
Schedule of the major classifications of loans
(In thousands) June 30, 2017  December 31, 2016 
Commercial real estate mortgage loans $1,191,848  $1,091,752 
Multi-family mortgage loans  547,101   518,146 
Residential real estate mortgage loans  383,008   364,884 
Commercial, industrial and agricultural loans  574,241   524,450 
Real estate construction and land loans  78,693   80,605 
Installment/consumer loans  16,726   16,368 
Total loans  2,791,617   2,596,205 
Net deferred loan costs and fees  4,692   4,235 
Total loans held for investment  2,796,309   2,600,440 
Allowance for loan losses  (27,544)  (25,904)
Loans, net $2,768,765  $2,574,536 
Schedule of loans by class categorized by internally assigned credit risk grades
  June 30, 2017 
(In thousands) Pass  Special Mention  Substandard  Doubtful  Total 
Commercial real estate:                    
Owner occupied $426,406  $1,345  $18,079  $-  $445,830 
Non-owner occupied  712,934   28,633   4,451   -   746,018 
Multi-family  547,101   -   -   -   547,101 
Residential real estate:                    
Residential mortgage  319,064   186   441   -   319,691 
Home equity  62,149   582   586   -   63,317 
Commercial and industrial:                    
Secured  73,958   24,918   7,500   -   106,376 
Unsecured  451,095   10,002   6,768   -   467,865 
Real estate construction and land loans  78,367   -   326   -   78,693 
Installment/consumer loans  16,607   19   100   -   16,726 
Total loans $2,687,681  $65,685  $38,251  $-  $2,791,617 

 

  December 31, 2016 
(In thousands) Pass  Special Mention  Substandard  Doubtful  Total 
Commercial real estate:                    
Owner occupied $404,584  $18,909  $722  $-  $424,215 
Non-owner occupied  643,426   20,035   4,076   -   667,537 
Multi-family  518,146   -   -   -   518,146 
Residential real estate:                    
Residential mortgage  299,297   82   370   -   299,749 
Home equity  64,195   563   377   -   65,135 
Commercial and industrial:                    
Secured  75,837   31,143   2,254   -   109,234 
Unsecured  409,879   2,493   2,844   -   415,216 
Real estate construction and land loans  80,272   -   333   -   80,605 
Installment/consumer loans  16,268   -   100   -   16,368 
Total loans $2,511,904  $73,225  $11,076  $-  $2,596,205 
Schedule of the aging of the recorded investment in past due loans by class of loans
  June 30, 2017 
(In thousands) 30-59
Days
Past
Due		  60-89
Days
Past
Due		  >90 Days
Past Due
and
Accruing		  Nonaccrual
Including
90 Days or
More
Past Due		  Total Past
Due and
Nonaccrual		  Current  Total
Loans		 
Commercial real estate:                            
Owner occupied $353  $297  $560  $158  $1,368  $444,462  $445,830 
Non-owner occupied  -   1,192   -   -   1,192   744,826   746,018 
Multi-family  -   -   -   -   -   547,101   547,101 
Residential real estate:                            
Residential mortgages  1,889   -   -   499   2,388   317,303   319,691 
Home equity  283   -   254   199   736   62,581   63,317 
Commercial and industrial:                            
Secured  227   38   212   1,566   2,043   104,333   106,376 
Unsecured  1,766   142   -   252   2,160   465,705   467,865 
Real estate construction and land loans  -   -   -   -   -   78,693   78,693 
Installment/consumer loans  12   49   -   1   62   16,664   16,726 
Total loans $4,530  $1,718  $1,026  $2,675  $9,949  $2,781,668  $2,791,617 

 

  December 31, 2016 
(In thousands) 30-59
Days
Past Due		  60-89
Days
Past
Due		  >90 Days
Past Due
and
Accruing		  Nonaccrual
Including 90
Days or More
Past Due		  Total Past 
Due and
Nonaccrual		  Current  Total Loans 
Commercial real estate:                            
Owner occupied $222  $-  $467  $184  $873  $423,342  $424,215 
Non-owner occupied  -   -   -   -   -   667,537   667,537 
Multi-family  -   -   -   -   -   518,146   518,146 
Residential real estate:                            
Residential mortgages  1,232   -   -   770   2,002   297,747   299,749 
Home equity  532   -   238   265   1,035   64,100   65,135 
Commercial and industrial:                            
Secured  27   -   204   -   231   109,003   109,234 
Unsecured  115   -   118   22   255   414,961   415,216 
Real estate construction and land loans  -   -   -   -   -   80,605   80,605 
Installment/consumer loans  28   -   -   -   28   16,340   16,368 
Total loans $2,156  $-  $1,027  $1,241  $4,424  $2,591,781  $2,596,205 
Schedule of individually impaired loans by class

 

    June 30, 2017     Three Months Ended
June 30, 2017		     Six Months Ended
June 30, 2017		  
(In thousands)  

Recorded

Investment

     Unpaid
Principal
Balance		     Related
Allocated
Allowance		     Average
Recorded
Investment		     Interest
Income
Recognized		     Average
Recorded
Investment		     Interest
Income
Recognized		  
With no related allowance recorded:                                                        
Commercial real estate:                                                        
Owner occupied   $ 297     $ 521     $ -     $ 302     $ 3     $ 309     $ 5  
Non-owner occupied     8,930       8,930       -       8,944       101       5,075       198  
Residential real estate:                                                        
Residential mortgages     698       799       -       535       -       498       -  
Home equity     260       236       -       260       3       261       3  
Commercial and industrial:                                                        
Secured     3,379       3,379       -       1,491       53       1,015       61  
Unsecured     457       472       -       400       3       396       8  
Total with no related allowance recorded   $ 14,021     $ 14,337     $ -     $ 11,932     $ 163     $ 7,554     $ 275  
                                                         
With an allowance recorded:                                                        
Commercial real estate:                                                        
Owner occupied   $ -     $ -     $ -     $ -     $ -     $ -     $ -  
Non-owner occupied     -       -       -       -       -       -       -  
Residential real estate:                                                        
Residential mortgages     -       -       -       -       -       -       -  
Home equity     -       -       -       -       -       -       -  
Commercial and industrial:                                                        
Secured     1,216       1,216       456       405       -       203       -  
Unsecured     88       88       88       58       -       29       1  
Total with an allowance recorded   $ 1,304     $ 1,304     $ 544     $ 463     $ -     $ 232     $ 1  
                                                         
Total:                                                        
Commercial real estate:                                                        
Owner occupied   $ 297     $ 521     $ -     $ 302     $ 3     $ 309     $ 5  
Non-owner occupied     8,930       8,930       -       8,944       101       5,075       198  
Residential real estate:                                                        
Residential mortgages     698       799       -       535       -       498       -  
Home equity     260       236       -       260       3       261       3  
Commercial and industrial:                                                        
Secured     4,595       4,595       456       1,896       53       1,218       61  
Unsecured     545       560       88       458       3       425       9  
Total   $ 15,325     $ 15,641     $ 544     $ 12,395     $ 163     $ 7,786     $ 276  

 

    December 31, 2016     Three Months Ended
June 30, 2016		     Six Months Ended
June 30, 2016		  
(In thousands)   Recorded
Investment		     Unpaid
Principal
Balance		     Related
Allocated
Allowance		     Average
Recorded
Investment		     Interest
Income
Recognized		     Average
Recorded
Investment		     Interest
Income
Recognized		  
With no related allowance recorded:                                                        
Commercial real estate:                                                        
Owner occupied   $ 326     $ 538     $ -     $ 360     $ 3     $ 368     $ 5  
Non-owner occupied     1,213       1,213       -       1,232       18       1,236       37  
Residential real estate:                                                        
Residential mortgages     520       558       -       558       -       378       -  
Home equity     264       285       -       884       -       674       -  
Commercial and industrial:                                                        
Secured     556       556       -       196       3       163       6  
Unsecured     408       408       -       578       5       423       9  
Total with no related allowance recorded   $ 3,287     $ 3,558     $ -     $ 3,808     $ 29     $ 3,242     $ 57  
                                                         
With an allowance recorded:                                                        
Commercial real estate:                                                        
Owner occupied   $ -     $ -     $ -     $ -     $ -     $ -     $ -  
Non-owner occupied     -       -       -       -       -       -       -  
Residential real estate:                                                        
Residential mortgages     -       -       -       -       -       -       -  
Home equity     -       -       -       -       -       -       -  
Commercial and industrial:                                                        
Secured     -       -       -       -       -       -       -  
Unsecured     66       66       1       138       2       102       4  
Total with an allowance recorded   $ 66     $ 66     $ 1     $ 138     $ 2     $ 102     $ 4  
                                                         
Total:                                                        
Commercial real estate:                                                        
Owner occupied   $ 326     $ 538     $ -     $ 360     $ 3     $ 368     $ 5  
Non-owner occupied     1,213       1,213       -       1,232       18       1,236       37  
Residential real estate:                                                        
Residential mortgages     520       558       -       558       -       378       -  
Home equity     264       285       -       884       -       674       -  
Commercial and industrial:                                                        
Secured     556       556       -       196       3       163       6  
Unsecured     474       474       1       716       7       525       13  
Total   $ 3,353     $ 3,624     $ 1     $ 3,946     $ 31     $ 3,344     $ 61  
Schedule of activity in the accretable yield for the purchased credit impaired loans
  Three Months Ended  Six Months Ended 
  June 30,  June 30, 
(In thousands) 2017  2016  2017  2016 
Balance at beginning of period $5,333  $6,872  $6,915  $7,113 
Accretion  (1,046)  (1,866)  (2,903)  (2,658)
Reclassification from nonaccretable difference during the period  (321)  959   (46)  1,092 
Other  -   (2)  -   416 
Accretable discount at end of period $3,966  $5,963  $3,966  $5,963