LOANS (Tables)

12 Months Ended

Dec. 31, 2018

LOANS

Schedule of the major classifications of loans

	December 31,
(In thousands)	2018		2017
Commercial real estate mortgage loans	$	1,373,556	$	1,293,906
Multi-family mortgage loans		585,827		595,280
Residential real estate mortgage loans		519,763		464,264
Commercial, industrial and agricultural loans		645,724		616,003
Real estate construction and land loans		123,393		107,759
Installment/consumer loans		20,509		21,041
Total loans		3,268,772		3,098,253
Net deferred loan costs and fees		7,039		4,499
Total loans held for investment		3,275,811		3,102,752
Allowance for loan losses		(31,418)		(31,707)
Loans, net	$	3,244,393	$	3,071,045

Schedule of loans by class categorized by internally assigned credit risk grades

	December 31, 2018
(In thousands)	Pass		Special Mention		Substandard		Doubtful		Total
Commercial real estate:
Owner occupied	$	480,503	$	12,045	$	17,850	$	—	$	510,398
Non-owner occupied		858,069		2,188		2,901		—		863,158
Multi-family		585,409		418		—		—		585,827
Residential real estate:
Residential mortgage		438,891		8,510		1,114		—		448,515
Home equity		68,480		1,594		1,174		—		71,248
Commercial and industrial:
Secured		147,474		5,536		15,530		—		168,540
Unsecured		458,526		12,886		5,772		—		477,184
Real estate construction and land loans		123,089		—		304		—		123,393
Installment/consumer loans		20,464		9		36		—		20,509
Total loans	$	3,180,905	$	43,186	$	44,681	$	—	$	3,268,772

At December 31, 2018 there were $1.3 million and $0.2 million of acquired CNB loans included in the special mention and substandard grades, respectively, and $0.2 million and $0.3 million of acquired FNBNY loans included in the special mention and substandard grades, respectively.

	December 31, 2017
(In thousands)	Pass		Special Mention		Substandard		Doubtful		Total
Commercial real estate:
Owner occupied	$	451,264	$	1,796	$	19,589	$	—	$	472,649
Non-owner occupied		808,612		8,056		4,589		—		821,257
Multi-family		595,280		—		—		—		595,280
Residential real estate:
Residential mortgage		393,029		4,854		290		—		398,173
Home equity		64,601		698		792		—		66,091
Commercial and industrial:
Secured		128,729		12,637		13,560		—		154,926
Unsecured		442,985		14,553		3,539		—		461,077
Real estate construction and land loans		107,440		—		319		—		107,759
Installment/consumer loans		21,020		16		5		—		21,041
Total loans	$	3,012,960	$	42,610	$	42,683	$	—	$	3,098,253

At December 31, 2017 there were $0.4 million and $1.6 million of acquired CNB loans included in the special mention and substandard grades, respectively, and $0.2 million and $0.3 million of acquired FNBNY loans included in the special mention and substandard grades, respectively.

Schedule of the aging of the recorded investment in past due loans by class of loans

	December 31, 2018
					>90 Days		Non-accrual
	30-59		60-89		Past Due		Including 90		Total Past
	Days		Days		And		Days or More		Due and
(In thousands)	Past Due		Past Due		Accruing		Past Due		Non-accrual		Current		Total Loans
Commercial real estate:
Owner occupied	$	333	$	194	$	—	$	253	$	780	$	509,618	$	510,398
Non-owner occupied		—		—		—		885		885		862,273		863,158
Multi-family		—		—		—		—		—		585,827		585,827
Residential real estate:
Residential mortgages		892		230		—		199		1,321		447,194		448,515
Home equity		1,033		—		308		624		1,965		69,283		71,248
Commercial and industrial:
Secured		330		196		—		174		700		167,840		168,540
Unsecured		1,108		—		—		621		1,729		475,455		477,184
Real estate construction and land loans		—		—		—		—		—		123,393		123,393
Installment/consumer loans		84		—		—		52		136		20,373		20,509
Total loans	$	3,780	$	620	$	308	$	2,808	$	7,516	$	3,261,256	$	3,268,772

	December 31, 2017
					>90 Days		Non-accrual
	30-59		60-89		Past Due		Including 90		Total Past
	Days		Days		And		Days or More		Due and
(In thousands)	Past Due		Past Due		Accruing		Past Due		Non-accrual		Current		Total Loans
Commercial real estate:
Owner occupied	$	284	$	—	$	175	$	2,205	$	2,664	$	469,985	$	472,649
Non-owner occupied		—		—		1,163		—		1,163		820,094		821,257
Multi-family		—		—		—		—		—		595,280		595,280
Residential real estate:
Residential mortgages		2,074		398		—		401		2,873		395,300		398,173
Home equity		329		—		271		161		761		65,330		66,091
Commercial and industrial:
Secured		113		41		225		570		949		153,977		154,926
Unsecured		18		35		—		3,618		3,671		457,406		461,077
Real estate construction and land loans		—		281		—		—		281		107,478		107,759
Installment/consumer loans		36		5		—		—		41		21,000		21,041
Total loans	$	2,854	$	760	$	1,834	$	6,955	$	12,403	$	3,085,850	$	3,098,253

Schedule of individually impaired loans by class

	December 31, 2018						Year Ended December 31, 2018
			Unpaid		Related		Average		Interest
	Recorded		Principal		Allocated		Recorded		Income
(In thousands)	Investment		Balance		Allowance		Investment		Recognized
With no related allowance recorded:
Commercial real estate:
Owner occupied	$	268	$	278	$	—	$	177	$	—
Non-owner occupied		2,816		2,816		—		1,583		88
Residential real estate:
Residential mortgages		—		—		—		—		—
Home equity		—		—		—		—		—
Commercial and industrial:
Secured		8,234		8,234		—		5,644		196
Unsecured		5,316		5,316		—		5,127		284
Total with no related allowance recorded		16,634		16,644		—		12,531		568
With an allowance recorded:
Commercial real estate:
Owner occupied		—		—		—		—		—
Non-owner occupied		—		—		—		—		—
Residential real estate:
Residential mortgages		—		—		—		—		—
Home equity		—		—		—		—		—
Commercial and industrial:
Secured		2,721		2,721		189		2,757		91
Unsecured		—		—		—		—		—
Total with an allowance recorded		2,721		2,721		189		2,757		91
Total:
Commercial real estate:
Owner occupied		268		278		—		177		—
Non-owner occupied		2,816		2,816		—		1,583		88
Residential real estate:
Residential mortgages		—		—		—		—		—
Home equity		—		—		—		—		—
Commercial and industrial:
Secured		10,955		10,955		189		8,401		287
Unsecured		5,316		5,316		—		5,127		284
Total	$	19,355	$	19,365	$	189	$	15,288	$	659

	December 31, 2017						Year Ended December 31, 2017
			Unpaid		Related		Average		Interest
	Recorded		Principal		Allocated		Recorded		Income
(In thousands)	Investment		Balance		Allowance		Investment		Recognized
With no related allowance recorded:
Commercial real estate:
Owner occupied	$	2,073	$	2,073	$	—	$	173	$	80
Non-owner occupied		9,089		9,089		—		7,001		400
Residential real estate:
Residential mortgages		—		—		—		—		—
Home equity		100		100		—		8		—
Commercial and industrial:
Secured		7,368		8,013		—		2,633		211
Unsecured		2,154		2,408		—		592		36
Total with no related allowance recorded		20,784		21,683		—		10,407		727
With an allowance recorded:
Commercial real estate:
Owner occupied		—		—		—		—		—
Non-owner occupied		—		—		—		—		—
Residential real estate:
Residential mortgages		—		—		—		—		—
Home equity		—		—		—		—		—
Commercial and industrial:
Secured		—		—		—		—		—
Unsecured		1,708		3,235		1,708		142		174
Total with an allowance recorded		1,708		3,235		1,708		142		174
Total:
Commercial real estate:
Owner occupied		2,073		2,073		—		173		80
Non-owner occupied		9,089		9,089		—		7,001		400
Residential real estate:
Residential mortgages		—		—		—		—		—
Home equity		100		100		—		8		—
Commercial and industrial:
Secured		7,368		8,013		—		2,633		211
Unsecured		3,862		5,643		1,708		734		210
Total	$	22,492	$	24,918	$	1,708	$	10,549	$	901

	December 31, 2016						Year Ended December 31, 2016
			Unpaid		Related		Average		Interest
	Recorded		Principal		Allocated		Recorded		Income
(In thousands)	Investment		Balance		Allowance		Investment		Recognized
With no related allowance recorded:
Commercial real estate:
Owner occupied	$	326	$	538	$	—	$	176	$	10
Non-owner occupied		1,213		1,213		—		614		75
Residential real estate:
Residential mortgages		520		558		—		276		—
Home equity		264		285		—		328		—
Commercial and industrial:
Secured		556		556		—		274		12
Unsecured		408		408		—		227		19
Total with no related allowance recorded		3,287		3,558		—		1,895		116
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		43		7
Total with an allowance recorded		66		66		1		43		7
Total:
Commercial real estate:
Owner occupied		326		538		—		176		10
Non-owner occupied		1,213		1,213		—		614		75
Residential real estate:
Residential mortgages		520		558		—		276		—
Home equity		264		285		—		328		—
Commercial and industrial:
Secured		556		556		—		274		12
Unsecured		474		474		1		270		26
Total	$	3,353	$	3,624	$	1	$	1,938	$	123

Schedule of loans receivable by class modified as troubled debt restructuring

	Modifications During the Year Ended December 31,
	2018					2017					2016
		Pre-		Post-			Pre-		Post-			Pre-		Post-
		Modification		Modification			Modification		Modification			Modification		Modification
		Outstanding		Outstanding			Outstanding		Outstanding			Outstanding		Outstanding
	Number of	Recorded		Recorded		Number of	Recorded		Recorded		Number of	Recorded		Recorded
(Dollars in thousands)	Loans	Investment		Investment		Loans	Investment		Investment		Loans	Investment		Investment
Commercial real estate:
Owner occupied	—	$	—	$	—	—	$	—	$	—	—	$	—	$	—
Non-owner occupied	1		926		926	2		7,764		7,764	—		—		—
Residential real estate:
Residential mortgages	1		644		644	—		—		—	1		252		252
Home equity	—		—		—	—		—		—	1		69		69
Commercial and industrial:
Secured	2		1,994		1,994	7		6,828		6,828	3		459		459
Unsecured	8		5,655		5,655	2		189		189	1		525		525
Installment/consumer loans	—		—		—	—		—		—	—		—		—
Total	12	$	9,219	$	9,219	11	$	14,781	$	14,781	6	$	1,305	$	1,305

Schedule of activity in the accretable yield for the purchased credit impaired loans

	Year Ended December 31,
(In thousands)	2018		2017
Balance at beginning of period	$	2,151	$	6,915
Accretion		(1,842)		(5,221)
Reclassification from nonaccretable difference during the period		151		457
Accretable discount at end of period	$	460	$	2,151

Schedule of selected information about related party loans

	Year Ended
	December 31,
(In thousands)	2018
Balance at beginning of period	$	21,142
New loans		2,318
Repayments		(2,413)
Balance at end of period	$	21,047