LOANS (Tables)

6 Months Ended

Jun. 30, 2019

LOANS.

Schedule of the major classifications of loans

(In thousands)	June 30, 2019		December 31, 2018
Commercial real estate mortgage loans	$	1,436,221	$	1,373,556
Multi-family mortgage loans		631,146		585,827
Residential real estate mortgage loans		503,354		519,763
Commercial, industrial and agricultural loans		675,168		645,724
Real estate construction and land loans		150,868		123,393
Installment/consumer loans		25,825		20,509
Total loans		3,422,582		3,268,772
Net deferred loan costs and fees		7,441		7,039
Total loans held for investment		3,430,023		3,275,811
Allowance for loan losses		(31,171)		(31,418)
Loans, net	$	3,398,852	$	3,244,393

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

	June 30, 2019
(In thousands)	Pass		Special Mention		Substandard		Doubtful		Total
Commercial real estate:
Owner occupied	$	512,123	$	11,596	$	1,610	$	—	$	525,329
Non-owner occupied		896,654		735		13,503		—		910,892
Multi-family		630,735		411		—		—		631,146
Residential real estate:
Residential mortgage		425,836		8,255		1,295		—		435,386
Home equity		66,469		681		818		—		67,968
Commercial and industrial:
Secured		153,055		2,009		9,886		—		164,950
Unsecured		487,922		9,923		12,373		—		510,218
Real estate construction and land loans		150,572		—		296		—		150,868
Installment/consumer loans		25,047		6		772		—		25,825
Total loans	$	3,348,413	$	33,616	$	40,553	$	—	$	3,422,582

	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

	June 30, 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	$	—	$	641	$	—	$	573	$	1,214	$	524,115	$	525,329
Non-owner occupied		—		—		—		1,376		1,376		909,516		910,892
Multi-family		—		—		—		—		—		631,146		631,146
Residential real estate:
Residential mortgages		164		—		—		2,138		2,302		433,084		435,386
Home equity		300		51		329		370		1,050		66,918		67,968
Commercial and industrial:
Secured		835		331		—		218		1,384		163,566		164,950
Unsecured		314		708		—		683		1,705		508,513		510,218
Real estate construction and land loans		—		—		—		129		129		150,739		150,868
Installment/consumer loans		38		—		—		22		60		25,765		25,825
Total loans	$	1,651	$	1,731	$	329	$	5,509	$	9,220	$	3,413,362	$	3,422,582

	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				Six Months Ended
	June 30, 2019						June 30, 2019				June 30, 2019
			Unpaid		Related		Average		Interest		Average		Interest
	Recorded		Principal		Allocated		Recorded		Income		Recorded		Income
(In thousands)	Investment		Balance		Allowance		Investment		Recognized		Investment		Recognized
With no related allowance recorded:
Commercial real estate:
Owner occupied	$	589	$	605	$	—	$	576	$	—	$	524	$	—
Non-owner occupied		3,241		3,258		—		2,904		25		2,842		50
Residential real estate:
Residential mortgages		—		—		—		—		—		—		—
Home equity		—		—		—		—		—		—		—
Commercial and industrial:
Secured		1,644		1,644		—		1,644		19		1,562		36
Unsecured		6,728		6,728		—		6,779		101		6,199		186
Total with no related allowance recorded		12,202		12,235		—		11,903		145		11,127		272
With an allowance recorded:
Commercial real estate:
Owner occupied		—		—		—		—		—		—		—
Non-owner occupied		—		—		—		—		—		—		—
Residential real estate:
Residential mortgages		—		—		—		—		—		—		—
Home equity		—		—		—		—		—		—		—
Commercial and industrial:
Secured		5,162		5,162		371		4,548		42		4,246		77
Unsecured		344		344		344		115		—		57		—
Total with an allowance recorded		5,506		5,506		715		4,663		42		4,303		77
Total:
Commercial real estate:
Owner occupied		589		605		—		576		—		524		—
Non-owner occupied		3,241		3,258		—		2,904		25		2,842		50
Residential real estate:
Residential mortgages		—		—		—		—		—		—		—
Home equity		—		—		—		—		—		—		—
Commercial and industrial:
Secured		6,806		6,806		371		6,192		61		5,808		113
Unsecured		7,072		7,072		344		6,894		101		6,256		186
Total	$	17,708	$	17,741	$	715	$	16,566	$	187	$	15,430	$	349

							Three Months Ended				Six Months Ended
	December 31, 2018						June 30, 2018				June 30, 2018
			Unpaid		Related		Average		Interest		Average		Interest
	Recorded		Principal		Allocated		Recorded		Income		Recorded		Income
(In thousands)	Investment		Balance		Allowance		Investment		Recognized		Investment		Recognized
With no related allowance recorded:
Commercial real estate:
Owner occupied	$	268	$	278	$	—	$	184	$	—	$	92	$	—
Non-owner occupied		2,816		2,816		—		1,163		7		1,168		8
Residential real estate:
Residential mortgages		—		—		—		—		—		—		—
Home equity		—		—		—		—		—		—		—
Commercial and industrial:
Secured		8,234		8,234		—		8,702		58		8,723		114
Unsecured		5,316		5,316		—		5,178		39		5,055		76
Total with no related allowance recorded		16,634		16,644		—		15,227		104		15,038		198
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		—		—		—		—		—		—		—
Total with an allowance recorded		2,721		2,721		189		—		—		—		—
Total:
Commercial real estate:
Owner occupied		268		278		—		184		—		92		—
Non-owner occupied		2,816		2,816		—		1,163		7		1,168		8
Residential real estate:
Residential mortgages		—		—		—		—		—		—		—
Home equity		—		—		—		—		—		—		—
Commercial and industrial:
Secured		10,955		10,955		189		8,702		58		8,723		114
Unsecured		5,316		5,316		—		5,178		39		5,055		76
Total	$	19,355	$	19,365	$	189	$	15,227	$	104	$	15,038	$	198

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

	Three Months Ended				Six Months Ended
	June 30,				June 30,
(In thousands)	2019		2018		2019		2018
Balance at beginning of period	$	363	$	957	$	460	$	2,151
Accretion		(286)		(269)		(394)		(1,302)
Reclassification from nonaccretable difference during the period		19		424		30		263
Accretable discount at end of period	$	96	$	1,112	$	96	$	1,112