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LOAN LOSS ALLOWANCE (Tables)
 3 Months Ended
Mar. 31, 2017
Receivables [Abstract]  
Schedule of Activity in the Allowance for Loan Losses
Activity in the allowance for loan losses for the three months ended March 31, 2017 and 2016 was as follows:
Business Activities Loans
 
At or for the three months ended March 31, 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
 
(107
)
 
(17
)
 
(199
)
 
(21
)
 
(344
)
Recoveries on charged-off loans
 
4

 
—

 
1

 
9

 
14

Provision/(releases) for loan losses
 
265

 
208

 
283

 
39

 
795

Balance at end of period
 
$
5,307

 
$
2,143

 
$
2,806

 
$
628

 
$
10,884

Individually evaluated for impairment
 
302

 
172

 
45

 
8

 
527

Collectively evaluated
 
5,005

 
1,971

 
2,761

 
620

 
10,357

Total
 
$
5,307

 
$
2,143

 
$
2,806

 
$
628

 
$
10,884



Business Activities Loans
 
At or for the three months ended March 31, 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
)
 
(89
)
 
(31
)
 
(10
)
 
(164
)
Recoveries on charged-off loans
 
6

 
41

 
20

 
7

 
74

Provision/(releases) for loan losses
 
496

 
106

 
(115
)
 
(22
)
 
465

Balance at end of period
 
$
4,898

 
$
1,648

 
$
2,621

 
$
647

 
$
9,814

Individually evaluated for impairment
 
140

 
175

 
118

 
—

 
433

Collectively evaluated
 
4,758

 
1,473

 
2,503

 
647

 
9,381

Total
 
$
4,898

 
$
1,648

 
$
2,621

 
$
647

 
$
9,814
Schedule of Loans by Risk Rating
The following tables present the Company’s loans by risk rating at March 31, 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)
 
March 31, 2017
 
December 31, 2016
 
March 31, 2017
 
December 31, 2016
 
March 31, 2017
 
December 31, 2016
Grade:
 
 

 
 

 
 

 
 

 
 

 
 

Pass
 
$
7,586

 
$
14,695

 
$
411,243

 
$
377,138

 
$
418,829

 
$
391,833

Special mention
 
29

 
—

 
7,677

 
5,868

 
7,706

 
5,868

Substandard
 
700

 
—

 
17,702

 
20,588

 
18,402

 
20,588

Total
 
$
8,315

 
$
14,695

 
$
436,622

 
$
403,594

 
$
444,937

 
$
418,289



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)
 
March 31, 2017
 
December 31, 2016
 
March 31, 2017
 
December 31, 2016
 
March 31, 2017
 
December 31, 2016
 
March 31, 2017
 
December 31, 2016
Grade:
 
 

 
 

 
 

 
 

 
 

 
 

 
 
 
 
Pass
 
$
115,679

 
$
98,968

 
$
31,922

 
$
31,279

 
$
31,096

 
$
15,679

 
$
178,697

 
$
145,926

Special mention
 
2,632

 
2,384

 
102

 
251

 
167

 
167

 
2,901

 
2,802

Substandard
 
1,991

 
2,234

 
597

 
278

 
—

 
—

 
2,588

 
2,512

Total
 
$
120,302

 
$
103,586

 
$
32,621

 
$
31,808

 
$
31,263

 
$
15,846

 
$
184,186

 
$
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)
 
March 31, 2017
 
December 31, 2016
 
March 31, 2017
 
December 31, 2016
 
March 31, 2017
 
December 31, 2016
Grade:
 
 

 
 

 
 

 
 

 
 

 
 

Pass
 
$
16,845

 
$
—

 
$
306,425

 
$
—

 
$
323,270

 
$
—

Special mention
 
—

 
—

 
1,559

 
—

 
1,559

 
—

Substandard
 
470

 
—

 
9,598

 
—

 
10,068

 
—

Total
 
$
17,315

 
$
—

 
$
317,582

 
$
—

 
$
334,897

 
$
—



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)
 
March 31, 2017
 
December 31, 2016
 
March 31, 2017
 
December 31, 2016
 
March 31, 2017
 
December 31, 2016
 
March 31, 2017
 
December 31, 2016
Grade:
 
  

 
0

 
  

 
  

 
  

 
  

 
  

 
  

Pass
 
$
81,918

 
$
—

 
$
643

 
$
—

 
$
42,405

 
$
—

 
$
124,966

 
$
—

Special mention
 
83

 
—

 
—

 
—

 
—

 
—

 
83

 
—

Substandard
 
760

 
—

 
—

 
—

 
—

 
—

 
760

 
—

Total
 
$
82,761

 
$
—

 
$
643

 
$
—

 
$
42,405

 
$
—

 
$
125,809

 
$
—
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 March 31, 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.

 
 
March 31, 2017
 
December 31, 2016
(In thousands)
 
Business
Activities Loans
 
Acquired Loans
 
Total
 
Business
Activities Loans
 
Acquired Loans
 
Total
Non-accrual
 
$
2,336

 
$
—

 
$
2,336

 
$
2,733

 
$
—

 
$
2,733

Substandard accruing
 
18,654

 
10,827

 
29,481

 
20,368

 
—

 
20,368

Total classified
 
20,990

 
10,827

 
31,817

 
23,101

 
—

 
23,101

Special mention
 
10,606

 
1,643

 
12,249

 
8,669

 
—

 
8,669

Total Criticized
 
$
31,596

 
$
12,470

 
$
44,066

 
$
31,770

 
$
—

 
$
31,770