ALLOWANCE FOR LOAN LOSSES (Tables)

6 Months Ended

Jun. 30, 2017

Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]

Analysis of Allowance for Loan Losses

An analysis of the allowance for loan losses for the three and six month periods ended June 30, 2017 and 2016 is as follows:

Allowance for Loan Losses:	For the three months ended June 30, 2017
	Beginning Balance		Charge-offs		Recoveries		Provisions (Credits)			Ending Balance
	(amounts in thousands)
Commercial and Industrial	$	1,165	$	—	$	8	$	29		$	1,202
Real Estate Construction:
Residential	229		—		—		35			264
Commercial	1,940		—		—		54			1,994
Real Estate Mortgage:
Commercial – Owner Occupied	1,869		—		69		(103		)	1,835
Commercial – Non-owner Occupied	4,240		—		5		670			4,915
Residential – 1 to 4 Family	5,136		—		2		284			5,422
Residential – Multifamily	662		—		—		37			699
Consumer	234		—		—		(6		)	228
Total	$	15,475	$	—	$	84	$	1,000		$	16,559

Allowance for Loan Losses:	For the three months ended June 30, 2016
	Beginning Balance		Charge-offs			Recoveries		Provisions (Credits)			Ending Balance
	(amounts in thousands)
Commercial and Industrial	$	900	$	(40	)	$	1	$	9		$	870
Real Estate Construction:
Residential	180		—			—		72			252
Commercial	2,831		(1,081		)	—		762			2,512
Real Estate Mortgage:
Commercial – Owner Occupied	3,225		—			—		(1,539		)	1,686
Commercial – Non-owner Occupied	3,944		(154		)	—		133			3,923
Residential – 1 to 4 Family	5,096		(698		)	1		(177		)	4,222
Residential – Multifamily	381		(45		)	—		116			452
Consumer	262		—			—		(14		)	248
Total	$	16,819	$	(2,018	)	$	2	$	(638	)	$	14,165

Allowance for Loan Losses:	For the six months ended June 30, 2017
	Beginning Balance		Charge-offs			Recoveries		Provisions (Credits)			Ending Balance
	(amounts in thousands)
Commercial and Industrial	$	1,188	$	(134	)	$	42	$	106		$	1,202
Real Estate Construction:
Residential	268		—			—		(4		)	264
Commercial	2,496		—			—		(502		)	1,994
Real Estate Mortgage:
Commercial – Owner Occupied	2,082		(430		)	69		114			1,835
Commercial – Non-owner Occupied	3,889		—			45		981			4,915
Residential – 1 to 4 Family	4,916		(118		)	5		619			5,422
Residential – Multifamily	505		—			—		194			699
Consumer	236		—			—		(8		)	228
Total	$	15,580	$	(682	)	$	161	$	1,500		$	16,559

Allowance for Loan Losses:	For the six months ended June 30, 2016
	Beginning Balance		Charge-offs			Recoveries		Provisions (Credits)			Ending Balance
	(amounts in thousands)
Commercial and Industrial	$	952	$	(76	)	$	1	$	(7	)	$	870
Real Estate Construction:
Residential	247		—			—		5			252
Commercial	2,501		(1,081		)	—		1,092			2,512
Real Estate Mortgage:
Commercial – Owner Occupied	3,267		—			—		(1,581		)	1,686
Commercial – Non-owner Occupied	3,838		(154		)	—		239			3,923
Residential – 1 to 4 Family	4,802		(698		)	20		98			4,222
Residential – Multifamily	254		(45		)	—		243			452
Consumer	275		—			—		(27		)	248
Total	$	16,136	$	(2,054	)	$	21	$	62		$	14,165

Allowance for Loan Losses, at    June 30, 2017	Individually evaluated for impairment		Collectively evaluated for impairment		Total
	(amounts in thousands)
Commercial and Industrial	$	—	$	1,202	$	1,202
Real Estate Construction:
Residential	—		264		264
Commercial	810		1,184		1,994
Real Estate Mortgage:
Commercial – Owner Occupied	57		1,778		1,835
Commercial – Non-owner Occupied	906		4,009		4,915
Residential – 1 to 4 Family	212		5,210		5,422
Residential – Multifamily	50		649		699
Consumer	—		228		228
Total	$	2,035	$	14,524	$	16,559

Allowance for Loan Losses, at    December 31, 2016	Individually evaluated for impairment		Collectively evaluated for impairment		Total
	(amounts in thousands)
Commercial and Industrial	$	138	$	1,050	$	1,188
Real Estate Construction:
Residential	—		268		268
Commercial	155		2,341		2,496
Real Estate Mortgage:
Commercial – Owner Occupied	498		1,584		2,082
Commercial – Non-owner Occupied	226		3,663		3,889
Residential – 1 to 4 Family	234		4,682		4,916
Residential – Multifamily	—		505		505
Consumer	—		236		236
Total	$	1,251	$	14,329	$	15,580

Loans, at June 30, 2017:	Individually evaluated for impairment		Collectively evaluated for impairment		Total
	(amounts in thousands)
Commercial and Industrial	$	19	$	27,078	$	27,097
Real Estate Construction:
Residential	—		18,862		18,862
Commercial	7,182		51,931		59,113
Real Estate Mortgage:
Commercial – Owner Occupied	3,971		118,083		122,054
Commercial – Non-owner Occupied	17,280		266,116		283,396
Residential – 1 to 4 Family	4,124		346,321		350,445
Residential – Multifamily	50		51,411		51,461
Consumer	90		16,072		16,162
Total	$	32,716	$	895,874	$	928,590

Loans, at December 31, 2016:	Individually evaluated for impairment		Collectively evaluated for impairment		Total
	(amounts in thousands)
Commercial and Industrial	$	159	$	26,615	$	26,774
Real Estate Construction:
Residential	—		8,825		8,825
Commercial	8,386		50,083		58,469
Real Estate Mortgage:
Commercial – Owner Occupied	4,380		119,518		123,898
Commercial – Non-owner Occupied	19,000		249,123		268,123
Residential – 1 to 4 Family	4,065		305,275		309,340
Residential – Multifamily	308		39,496		39,804
Consumer	107		16,613		16,720
Total	$	36,405	$	815,548	$	851,953