ALLOWANCE FOR LOAN LOSSES (Tables)

6 Months Ended

Jun. 30, 2017

ALLOWANCE FOR LOAN LOSSES

Schedule of allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method

	At June 30, 2017
(In thousands)	Commercial Real Estate Mortgage Loans		Multi- Family Loans		Residential Real Estate Mortgage Loans		Commercial, Industrial and Agricultural Loans		Real Estate Construction and Land Loans		Installment/ Consumer Loans		Total
Allowance for loan losses:
Individually evaluated for impairment	$	-	$	-	$	-	$	544	$	-	$	-	$	544
Collectively evaluated for impairment		10,579		4,846		1,486		9,426		577		86		27,000
Loans acquired with deteriorated credit quality		-		-		-		-		-		-		-
Total allowance for loan losses	$	10,579	$	4,846	$	1,486	$	9,970	$	577	$	86	$	27,544
Loans:
Individually evaluated for impairment	$	9,227	$	-	$	958	$	5,140	$	-	$	-	$	15,325
Collectively evaluated for impairment		1,180,261		543,699		381,167		565,135		78,693		16,726		2,765,681
Loans acquired with deteriorated credit quality		2,360		3,402		883		3,966		-		-		10,611
Total loans	$	1,191,848	$	547,101	$	383,008	$	574,241	$	78,693	$	16,726	$	2,791,617

	At December 31, 2016
(In thousands)	Commercial Real Estate Mortgage  Loans		Multi- Family Loans		Residential Real Estate Mortgage Loans		Commercial, Industrial and Agricultural Loans		Real Estate Construction and Land Loans		Installment / Consumer Loans		Total
Allowance for loan losses:
Individually evaluated for impairment	$	-	$	-	$	-	$	1	$	-	$	-	$	1
Collectively evaluated for impairment		9,225		6,264		1,495		7,836		955		128		25,903
Loans acquired with deteriorated credit quality		-		-		-		-		-		-		-
Total allowance for loan losses	$	9,225	$	6,264	$	1,495	$	7,837	$	955	$	128	$	25,904
Loans:
Individually evaluated for impairment	$	1,539	$	-	$	784	$	1,030	$	-	$	-	$	3,353
Collectively evaluated for impairment		1,088,332		514,853		363,230		519,686		80,605		16,368		2,583,074
Loans acquired with deteriorated credit quality		1,881		3,293		870		3,734		-		-		9,778
Total loans	$	1,091,752	$	518,146	$	364,884	$	524,450	$	80,605	$	16,368	$	2,596,205

	For the Three Months Ended June 30, 2017
								Commercial,
	Commercial					Residential		Industrial			Real Estate
	Real Estate		Multi-			Real Estate		and			Construction			Installment/
	Mortgage		Family			Mortgage		Agricultural			and Land			Consumer
(In thousands)	Loans		Loans			Loans		Loans			Loans			Loans			Total
Allowance for loan losses:
Beginning balance	$	8,357	$	6,480		$	1,415	$	9,198		$	1,058		$	110		$	26,618
Charge-offs		-		-			-		(33	)		-			-			(33	)
Recoveries		-		-			1		8			-			-			9
Provision		2,222		(1,634	)		70		797			(481	)		(24	)		950
Ending balance	$	10,579	$	4,846		$	1,486	$	9,970		$	577		$	86		$	27,544

	For the Three Months Ended June 30, 2016
								Commercial,
	Commercial				Residential			Industrial			Real Estate
	Real Estate		Multi-		Real Estate			and			Construction			Installment/
	Mortgage		Family		Mortgage			Agricultural			and Land			Consumer
(In thousands)	Loans		Loans		Loans			Loans			Loans			Loans			Total
Allowance for loan losses:
Beginning balance	$	8,029	$	4,669	$	2,115		$	5,568		$	1,277		$	141		$	21,799
Charge-offs		-		-		-			(97	)		-			(2	)		(99	)
Recoveries		100		-		2			3			-			3			108
Provision		180		618		(41	)		297			(146	)		(8	)		900
Ending balance	$	8,309	$	5,287	$	2,076		$	5,771		$	1,131		$	134		$	22,708

	For the Six Months Ended June 30, 2017
									Commercial,
	Commercial					Residential			Industrial			Real Estate
	Real Estate		Multi-			Real Estate			and			Construction			Installment/
	Mortgage		Family			Mortgage			Agricultural			and Land			Consumer
(In thousands)	Loans		Loans			Loans			Loans			Loans			Loans			Total
Allowance for loan losses:
Beginning balance	$	9,225	$	6,264		$	1,495		$	7,837		$	955		$	128		$	25,904
Charge-offs		-		-			-			(128	)		-			-			(128	)
Recoveries		-		-			2			15			-			1			18
Provision		1,354		(1,418	)		(11	)		2,246			(378	)		(43	)		1,750
Ending balance	$	10,579	$	4,846		$	1,486		$	9,970		$	577		$	86		$	27,544

	For the Six Months Ended June 30, 2016
								Commercial,
	Commercial				Residential			Industrial			Real Estate
	Real Estate		Multi-		Real Estate			and			Construction		Installment/
	Mortgage		Family		Mortgage			Agricultural			and Land		Consumer
(In thousands)	Loans		Loans		Loans			Loans			Loans		Loans			Total
Allowance for loan losses:
Beginning balance	$	7,850	$	4,208	$	2,115		$	5,405		$	1,030	$	136		$	20,744
Charge-offs		-		-		-			(297	)		-		(2	)		(299	)
Recoveries		100		-		2			7			-		4			113
Provision		359		1,079		(41	)		656			101		(4	)		2,150
Ending balance	$	8,309	$	5,287	$	2,076		$	5,771		$	1,131	$	134		$	22,708