ALLOWANCE FOR LOAN LOSSES (Tables)

3 Months Ended

Mar. 31, 2018

ALLOWANCE FOR LOAN LOSSES

Schedule of allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method

	March 31, 2018
(In thousands)	Commercial  Real Estate  Mortgage  Loans		Multi- Family  Loans		Residential  Real Estate  Mortgage  Loans		Commercial,  Industrial  and  Agricultural  Loans		Real Estate  Construction  and Land  Loans		Installment/  Consumer  Loans		Total
Allowance for loan losses:
Individually evaluated for impairment	$	-	$	-	$	-	$	1,708	$	-	$	-	$	1,708
Collectively evaluated for impairment		11,334		3,002		3,495		12,347		821		105		31,104
Loans acquired  with deteriorated credit quality		-		-		-		-		-		-		-
Total allowance for loan losses	$	11,334	$	3,002	$	3,495	$	14,055	$	821	$	105	$	32,812
Loans:
Individually evaluated for impairment	$	11,316	$	-	$	100	$	15,638	$	-	$	-	$	27,054
Collectively evaluated for impairment		1,328,676		599,964		492,454		622,646		104,496		19,078		3,167,314
Loans acquired  with deteriorated credit quality		-		1,783		599		427		-		-		2,809
Total loans	$	1,339,992	$	601,747	$	493,153	$	638,711	$	104,496	$	19,078	$	3,197,177

	December 31, 2017
(In thousands)	Commercial  Real Estate  Mortgage  Loans		Multi- Family  Loans		Residential  Real Estate  Mortgage  Loans		Commercial,  Industrial  and  Agricultural  Loans		Real Estate  Construction  and Land  Loans		Installment/  Consumer  Loans		Total
Allowance for loan losses:
Individually  evaluated for impairment	$	-	$	-	$	-	$	1,708	$	-	$	-	$	1,708
Collectively  evaluated for impairment		11,048		4,521		2,438		11,130		740		122		29,999
Loans acquired  with deteriorated credit quality		-		-		-		-		-		-		-
Total allowance for loan losses	$	11,048	$	4,521	$	2,438	$	12,838	$	740	$	122	$	31,707
Loans:
Individually  evaluated for impairment	$	11,162	$	-	$	100	$	11,230	$	-	$	-	$	22,492
Collectively evaluated for impairment		1,281,837		593,645		463,575		604,329		107,759		21,041		3,072,186
Loans acquired  with deteriorated credit quality		907		1,635		589		444		-		-		3,575
Total loans	$	1,293,906	$	595,280	$	464,264	$	616,003	$	107,759	$	21,041	$	3,098,253

	Three Months Ended March 31, 2018
								Commercial,
	Commercial					Residential		Industrial		Real Estate
	Real Estate		Multi-			Real Estate		and		Construction		Installment/
	Mortgage		Family			Mortgage		Agricultural		and Land		Consumer
(In thousands)	Loans		Loans			Loans		Loans		Loans		Loans			Total
Allowance for loan losses:
Beginning balance	$	11,048	$	4,521		$	2,438	$	12,838	$	740	$	122		$	31,707
Charge-offs		-		-			-		-		-		-			-
Recoveries		-		-			1		304		-		-			305
Provision		286		(1,519	)		1,056		913		81		(17	)		800
Ending balance	$	11,334	$	3,002		$	3,495	$	14,055	$	821	$	105		$	32,812

	Three Months Ended March 31, 2017
									Commercial,
	Commercial					Residential			Industrial			Real Estate
	Real Estate			Multi-		Real Estate			and			Construction		Installment/
	Mortgage			Family		Mortgage			Agricultural			and Land		Consumer
(In thousands)	Loans			Loans		Loans			Loans			Loans		Loans			Total
Allowance for loan losses:
Beginning balance	$	9,225		$	6,264	$	1,495		$	7,837		$	955	$	128		$	25,904
Charge-offs		-			-		-			(95	)		-		-			(95	)
Recoveries		-			-		1			7			-		1			9
Provision		(868	)		216		(81	)		1,449			103		(19	)		800
Ending balance	$	8,357		$	6,480	$	1,415		$	9,198		$	1,058	$	110		$	26,618