LOANS (Tables)

3 Months Ended

Mar. 31, 2019

LOANS.

Schedule of the major classifications of loans

(In thousands)	March 31, 2019		December 31, 2018
Commercial real estate mortgage loans	$	1,402,633	$	1,373,556
Multi-family mortgage loans		624,114		585,827
Residential real estate mortgage loans		515,173		519,763
Commercial, industrial and agricultural loans		671,897		645,724
Real estate construction and land loans		147,116		123,393
Installment/consumer loans		22,781		20,509
Total loans		3,383,714		3,268,772
Net deferred loan costs and fees		7,390		7,039
Total loans held for investment		3,391,104		3,275,811
Allowance for loan losses		(31,784)		(31,418)
Loans, net	$	3,359,320	$	3,244,393

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

	March 31, 2019
(In thousands)	Pass		Special Mention		Substandard		Doubtful		Total
Commercial real estate:
Owner occupied	$	513,116	$	11,652	$	18,068	$	—	$	542,836
Non-owner occupied		845,486		10,564		3,747		—		859,797
Multi-family		623,699		415		—		—		624,114
Residential real estate:
Residential mortgage		436,967		8,278		1,304		—		446,549
Home equity		66,569		992		1,063		—		68,624
Commercial and industrial:
Secured		151,751		2,762		9,125		—		163,638
Unsecured		486,419		11,885		9,955		—		508,259
Real estate construction and land loans		146,816		—		300		—		147,116
Installment/consumer loans		21,994		757		30		—		22,781
Total loans	$	3,292,817	$	47,305	$	43,592	$	—	$	3,383,714

	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

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

	March 31, 2019
					>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	$	1,190	$	—	$	—	$	580	$	1,770	$	541,066	$	542,836
Non-owner occupied		—		9,292		—		878		10,170		849,627		859,797
Multi-family		—		—		—		—		—		624,114		624,114
Residential real estate:
Residential mortgages		1,934		—		—		422		2,356		444,193		446,549
Home equity		1,017		—		318		622		1,957		66,667		68,624
Commercial and industrial:
Secured		1,137		50		—		197		1,384		162,254		163,638
Unsecured		2,361		956		—		342		3,659		504,600		508,259
Real estate construction and land loans		—		—		—		—		—		147,116		147,116
Installment/consumer loans		—		—		—		30		30		22,751		22,781
Total loans	$	7,639	$	10,298	$	318	$	3,071	$	21,326	$	3,362,388	$	3,383,714

	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

Schedule of individually impaired loans by class

							Three Months Ended
	March 31, 2019						March 31, 2019
			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	$	595	$	608	$	—	$	483	$	—
Non-owner occupied		2,777		2,781		—		2,786		25
Residential real estate:
Residential mortgages		—		—		—		—		—
Home equity		—		—		—		—		—
Commercial and industrial:
Secured		1,644		1,644		—		1,482		16
Unsecured		6,869		6,870		—		5,617		85
Total with no related allowance recorded		11,885		11,903		—		10,368		126
With an allowance recorded:
Commercial real estate:
Owner occupied		—		—		—		—		—
Non-owner occupied		—		—		—		—		—
Residential real estate:
Residential mortgages		—		—		—		—		—
Home equity		—		—		—		—		—
Commercial and industrial:
Secured		4,259		4,259		299		3,942		36
Unsecured		—		—		—		—		—
Total with an allowance recorded		4,259		4,259		299		3,942		36
Total:
Commercial real estate:
Owner occupied		595		608		—		483		—
Non-owner occupied		2,777		2,781		—		2,786		25
Residential real estate:
Residential mortgages		—		—		—		—		—
Home equity		—		—		—		—		—
Commercial and industrial:
Secured		5,903		5,903		299		5,424		52
Unsecured		6,869		6,870		—		5,617		85
Total	$	16,144	$	16,162	$	299	$	14,310	$	162

							Three Months Ended
	December 31, 2018						March 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	$	—	$	2,073	$	—
Non-owner occupied		2,816		2,816		—		8,973		76
Residential real estate:
Residential mortgages		—		—		—		—		—
Home equity		—		—		—		100		—
Commercial and industrial:
Secured		8,234		8,234		—		8,744		56
Unsecured		5,316		5,316		—		4,932		37
Total with no related allowance recorded		16,634		16,644		—		24,822		169
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		—		—
Unsecured		—		—		—		1,708		—
Total with an allowance recorded		2,721		2,721		189		1,708		—
Total:
Commercial real estate:
Owner occupied		268		278		—		2,073		—
Non-owner occupied		2,816		2,816		—		8,973		76
Residential real estate:
Residential mortgages		—		—		—		—		—
Home equity		—		—		—		100		—
Commercial and industrial:
Secured		10,955		10,955		189		8,744		56
Unsecured		5,316		5,316		—		6,640		37
Total	$	19,355	$	19,365	$	189	$	26,530	$	169

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

	Three Months Ended
	March 31,
(In thousands)	2019		2018
Balance at beginning of period	$	460	$	2,151
Accretion		(108)		(1,033)
Reclassification from (to) nonaccretable difference during the period		11		(161)
Accretable discount at end of period	$	363	$	957