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LOAN LOSS ALLOWANCE (Tables)
 6 Months Ended
Jun. 30, 2017
Receivables [Abstract]  
Schedule of Activity in the Allowance for Loan Losses
Activity in the allowance for loan losses for the six months ended June 30, 2017 and 2016 was as follows:
Business Activities Loans
 
 At or for the six months ended June 30, 2017

(In thousands)
 
Commercial
real estate
 
Commercial and industrial
 
Residential
real estate
 
Consumer
 
Total
Balance at beginning of period
 
$
5,145

 
$
1,952

 
$
2,721

 
$
601

 
$
10,419

Charged-off loans
 
(147
)
 
(189
)
 
(226
)
 
(17
)
 
(579
)
Recoveries on charged-off loans
 
3

 
2

 
64

 
2

 
71

Provision/(releases) for loan losses
 
502

 
345

 
560

 
15

 
1,422

Balance at end of period
 
$
5,503

 
$
2,110

 
$
3,119

 
$
601

 
$
11,333

Individually evaluated for impairment
 
380

 
4

 
10

 
—

 
394

Collectively evaluated
 
5,123

 
2,106

 
3,109

 
601

 
10,939

Total
 
$
5,503

 
$
2,110

 
$
3,119

 
$
601

 
$
11,333



Business Activities Loans
 
 At or for the six months ended June 30, 2016

(In thousands)
 
Commercial
real estate
 
Commercial and industrial
 
Residential
real estate
 
Consumer
 
Total
Balance at beginning of period
 
$
4,430

 
$
1,590

 
$
2,747

 
$
672

 
$
9,439

Charged-off loans
 
(34
)
 
(90
)
 
(122
)
 
(17
)
 
(263
)
Recoveries on charged-off loans
 
13

 
44

 
28

 
15

 
100

Provision/(releases) for loan losses
 
451

 
157

 
30

 
(23
)
 
615

Balance at end of period
 
$
4,860

 
$
1,701

 
$
2,683

 
$
647

 
$
9,891

Individually evaluated for impairment
 
103

 
175

 
54

 
38

 
370

Collectively evaluated
 
4,757

 
1,526

 
2,629

 
609

 
9,521

Total
 
$
4,860

 
$
1,701

 
$
2,683

 
$
647

 
$
9,891





Acquired Loans
 
 At or for the six months ended June 30, 2017

(In thousands)
 
Commercial
real estate
 
Commercial and industrial
 
Residential
real estate
 
Consumer
 
Total
Balance at beginning of period
 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

Charged-off loans
 
—

 
—

 
—

 
—

 
—

Recoveries on charged-off loans
 
—

 
—

 
—

 
—

 
—

Provision/(releases) for loan losses
 
51

 
24

 
34

 
—

 
109

Balance at end of period
 
$
51

 
$
24


$
34

 
$
—

 
$
109

Individually evaluated for impairment
 
51

 
24

 
34

 
—

 
109

Collectively evaluated
 
—

 
—

 
—

 
—

 
—

Total
 
$
51

 
$
24

 
$
34

 
$
—

 
$
109
Schedule of Loans by Risk Rating
The following tables present the Company’s loans by risk rating at June 30, 2017 and December 31, 2016:

Business Activities Loans
Commercial Real Estate
Credit Risk Profile by Creditworthiness Category
 
 
Construction and land development
 
Commercial real estate other
 
Total commercial real estate
(In thousands)
 
June 30, 2017
 
December 31, 2016
 
June 30, 2017
 
December 31, 2016
 
June 30, 2017
 
December 31, 2016
Grade:
 
 

 
 

 
 

 
 

 
 

 
 

Pass
 
$
26,762

 
$
14,695

 
$
379,961

 
$
376,968

 
$
406,723

 
$
391,663

Special mention
 
29

 
—

 
6,882

 
5,868

 
6,911

 
5,868

Substandard
 
637

 
—

 
16,483

 
20,588

 
17,120

 
20,588

Total
 
$
27,428

 
$
14,695

 
$
403,326

 
$
403,424

 
$
430,754

 
$
418,119



Commercial and Industrial
Credit Risk Profile by Creditworthiness Category
 
 
 Commercial other
 
 Agricultural and other loans to farmers
 
 Tax exempt loans
 
 Total commercial and industrial
(In thousands)
 
June 30, 2017
 
December 31, 2016
 
June 30, 2017
 
December 31, 2016
 
June 30, 2017
 
December 31, 2016
 
June 30, 2017
 
December 31, 2016
Grade:
 
 

 
 

 
 

 
 

 
 

 
 

 
 
 
 
Pass
 
$
154,639

 
$
98,968

 
$
31,014

 
$
31,279

 
$
38,091

 
$
15,679

 
$
223,747

 
$
145,926

Special mention
 
2,036

 
2,384

 
181

 
251

 
167

 
167

 
2,384

 
2,802

Substandard
 
1,759

 
2,234

 
264

 
278

 
—

 
—

 
2,023

 
2,512

Total
 
$
158,434

 
$
103,586

 
$
31,459

 
$
31,808

 
$
38,258

 
$
15,846

 
$
228,151

 
$
151,240



Acquired Loans
Commercial Real Estate
Credit Risk Profile by Creditworthiness Category
 
 
Commercial construction and land development
 
Commercial real estate other
 
Total commercial real estate
(In thousands)
 
June 30, 2017
 
December 31, 2016
 
June 30, 2017
 
December 31, 2016
 
June 30, 2017
 
December 31, 2016
Grade:
 
 

 
 

 
 

 
 

 
 

 
 

Pass
 
$
16,167

 
$
—

 
$
280,638

 
$
—

 
$
296,805

 
$
—

Special mention
 
—

 
—

 
1,558

 
—

 
1,558

 
—

Substandard
 
300

 
—

 
9,167

 
—

 
9,467

 
—

Total
 
$
16,467

 
$
—

 
$
291,363

 
$
—

 
$
307,830

 
$
—



Commercial and Industrial
Credit Risk Profile by Creditworthiness Category
 
 
 Commercial other
 
 Agricultural and other loans to farmers
 
 Tax exempt loans
 
Total commercial and industrial
(In thousands)
 
June 30, 2017
 
December 31, 2016
 
June 30, 2017
 
December 31, 2016
 
June 30, 2017
 
December 31, 2016
 
June 30, 2017
 
December 31, 2016
Grade:
 
  

 
 
 
  

 
  

 
  

 
  

 
  

 
  

Pass
 
$
78,141

 
$
—

 
$
—

 
$
—

 
$
41,784

 
$
—

 
$
119,925

 
$
—

Special mention
 
875

 
—

 
—

 
—

 
—

 
—

 
875

 
—

Substandard
 
1,051

 
—

 
—

 
—

 
—

 
—

 
1,051

 
—

Total
 
$
80,067

 
$
—

 
$
—

 
$
—

 
$
41,784

 
$
—

 
$
121,851

 
$
—
Summary of Information About Total Loans Rated Special Mention or Lower
The following table summarizes information about total loans rated Special Mention or higher as of June 30, 2017 and December 31, 2016. The table below includes consumer loans that are special mention and substandard accruing that are classified in the above table as performing based on payment activity.

 
 
June 30, 2017
 
December 31, 2016
(In thousands)
 
Business
Activities Loans
 
Acquired Loans
 
Total
 
Business
Activities Loans
 
Acquired Loans
 
Total
Non-accrual
 
$
4,601

 
$
702

 
$
5,303

 
$
2,733

 
$
—

 
$
2,733

Substandard accruing
 
26,113

 
10,051

 
36,164

 
20,368

 
—

 
20,368

Total classified
 
30,714

 
10,753

 
41,467

 
23,101

 
—

 
23,101

Special mention
 
9,294

 
2,433

 
11,727

 
8,669

 
—

 
8,669

Total Criticized
 
$
40,008

 
$
13,186

 
$
53,194

 
$
31,770

 
$
—

 
$
31,770