LOANS (Tables)

9 Months Ended

Sep. 30, 2019

LOANS.

Schedule of the major classifications of loans

(In thousands)	September 30, 2019		December 31, 2018
Commercial real estate mortgage loans	$	1,519,807	$	1,373,556
Multi-family mortgage loans		673,909		585,827
Residential real estate mortgage loans		497,842		519,763
Commercial, industrial and agricultural loans		667,949		645,724
Real estate construction and land loans		116,463		123,393
Installment/consumer loans		24,998		20,509
Total loans		3,500,968		3,268,772
Net deferred loan costs and fees		7,364		7,039
Total loans held for investment		3,508,332		3,275,811
Allowance for loan losses		(32,173)		(31,418)
Loans, net	$	3,476,159	$	3,244,393

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

	September 30, 2019
(In thousands)	Pass		Special Mention		Substandard		Doubtful		Total
Commercial real estate:
Owner occupied	$	507,851	$	20,395	$	1,237	$	—	$	529,483
Non-owner occupied		977,896		—		12,428		—		990,324
Multi-family		673,501		408		—		—		673,909
Residential real estate:
Residential mortgage		418,648		8,213		2,093		—		428,954
Home equity		67,435		674		779		—		68,888
Commercial and industrial:
Secured		149,772		1,227		9,809		—		160,808
Unsecured		483,037		11,852		12,252		—		507,141
Real estate construction and land loans		116,047		—		416		—		116,463
Installment/consumer loans		24,233		4		761		—		24,998
Total loans	$	3,418,420	$	42,773	$	39,775	$	—	$	3,500,968

	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

	September 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	$	729	$	196	$	—	$	231	$	1,156	$	528,327	$	529,483
Non-owner occupied		—		—		—		512		512		989,812		990,324
Multi-family		—		—		—		—		—		673,909		673,909
Residential real estate:
Residential mortgages		3,246		—		—		2,100		5,346		423,608		428,954
Home equity		61		300		338		368		1,067		67,821		68,888
Commercial and industrial:
Secured		—		332		—		211		543		160,265		160,808
Unsecured		485		614		—		652		1,751		505,390		507,141
Real estate construction and land loans		—		—		—		125		125		116,338		116,463
Installment/consumer loans		23		—		—		12		35		24,963		24,998
Total loans	$	4,544	$	1,442	$	338	$	4,211	$	10,535	$	3,490,433	$	3,500,968

	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				Nine Months Ended
	September 30, 2019						September 30, 2019				September 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	$	8,828	$	8,847	$	—	$	3,095	$	28	$	1,196	$	28
Non-owner occupied		2,332		2,332		—		2,344		25		2,096		75
Residential real estate:
Residential mortgages		—		—		—		—		—		—		—
Home equity		—		—		—		—		—		—		—
Commercial and industrial:
Secured		244		244		—		244		5		190		11
Unsecured		9,330		9,330		—		7,836		125		5,851		274
Total with no related allowance recorded		20,734		20,753		—		13,519		183		9,333		388
With an allowance recorded:
Commercial real estate:
Owner occupied		—		—		—		—		—		—		—
Non-owner occupied		—		—		—		—		—		—		—
Residential real estate:
Residential mortgages		—		—		—		—		—		—		—
Home equity		—		—		—		—		—		—		—
Commercial and industrial:
Secured		9,643		9,643		3,421		6,642		61		5,044		138
Unsecured		2,332		2,332		1,268		2,340		26		1,707		61
Total with an allowance recorded		11,975		11,975		4,689		8,982		87		6,751		199
Total:
Commercial real estate:
Owner occupied		8,828		8,847		—		3,095		28		1,196		28
Non-owner occupied		2,332		2,332		—		2,344		25		2,096		75
Residential real estate:
Residential mortgages		—		—		—		—		—		—		—
Home equity		—		—		—		—		—		—		—
Commercial and industrial:
Secured		9,887		9,887		3,421		6,886		66		5,234		149
Unsecured		11,662		11,662		1,268		10,176		151		7,558		335
Total	$	32,709	$	32,728	$	4,689	$	22,501	$	270	$	16,084	$	587

							Three Months Ended				Nine Months Ended
	December 31, 2018						September 30, 2018				September 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	$	—	$	268	$	—	$	151	$	—
Non-owner occupied		2,816		2,816		—		1,763		10		1,366		18
Residential real estate:
Residential mortgages		—		—		—		—		—		—		—
Home equity		—		—		—		—		—		—		—
Commercial and industrial:
Secured		8,234		8,234		—		8,086		57		8,130		171
Unsecured		5,316		5,316		—		5,143		42		5,084		118
Total with no related allowance recorded		16,634		16,644		—		15,260		109		14,731		307
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		—		268		—		151		—
Non-owner occupied		2,816		2,816		—		1,763		10		1,366		18
Residential real estate:
Residential mortgages		—		—		—		—		—		—		—
Home equity		—		—		—		—		—		—		—
Commercial and industrial:
Secured		10,955		10,955		189		8,086		57		8,130		171
Unsecured		5,316		5,316		—		5,143		42		5,084		118
Total	$	19,355	$	19,365	$	189	$	15,260	$	109	$	14,731	$	307

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

	Three Months Ended				Nine Months Ended
	September 30,				September 30,
(In thousands)	2019		2018		2019		2018
Balance at beginning of period	$	96	$	1,112	$	460	$	2,151
Accretion		(93)		(354)		(487)		(1,656)
Reclassification from (to) nonaccretable difference during the period		76		(172)		106		91
Accretable discount at end of period	$	79	$	586	$	79	$	586