ALLOWANCE FOR LOAN LOSSES (Tables)

9 Months Ended

Sep. 30, 2015

ALLOWANCE FOR LOAN LOSSES

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

	For the Three Months Ended September 30, 2015
(In thousands)	Commercial Real Estate Mortgage Loans		Multi- Family		Residential Real Estate Mortgage Loans			Commercial, Financial and Agricultural Loans		Real Estate Construction and Land Loans		Installment/ Consumer Loans		Total
Allowance for Loan Losses:
Beginning balance	$	7,166	$	3,015	$	1,989		$	5,273	$	1,236	$	139	$	18,818
Charge-offs		—		—		(149	)		—		—		—		(149	)
Recoveries		—		—		—			17		—		1		18
Provision		477		83		164			606		125		45		1,500
Ending Balance	$	7,643	$	3,098	$	2,004		$	5,896	$	1,361	$	185	$	20,187

	For the Nine Months Ended September 30, 2015
	Commercial Real Estate Mortgage Loans		Multi- Family		Residential Real Estate Mortgage Loans			Commercial, Financial and Agricultural Loans			Real Estate Construction and Land Loans		Installment/ Consumer Loans			Total
(In thousands)
Allowance for Loan Losses:
Beginning balance	$	6,994	$	2,670	$	2,208		$	4,526		$	1,104	$	135		$	17,637
Charge-offs		—		—		(149	)		(530	)		—		(2	)		(681	)
Recoveries		—		—		78			147			—		6			231
Provision		649		428		(133	)		1,753			257		46			3,000
Ending Balance	$	7,643	$	3,098	$	2,004		$	5,896		$	1,361	$	185		$	20,187
Ending balance: individually evaluated for impairment	$	21	$	—	$	—		$	2		$	—	$	—		$	23
Ending balance: collectively evaluated for impairment	$	7,622	$	3,098	$	2,004		$	5,894		$	1,361	$	185		$	20,164
Ending balance: loan acquired with deteriorated credit quality	$	—	$	—	$	—		$	—		$	—	$	—		$	—
Loans	$	1,029,729	$	298,910	$	384,452		$	473,814		$	93,667	$	17,667		$	2,298,239
Ending balance: individually evaluated for impairment	$	1,947	$	—	$	796		$	322		$	—	$	—		$	3,065
Ending balance: collectively evaluated for impairment	$	1,023,395	$	298,910	$	382,422		$	467,227		$	93,667	$	17,667		$	2,283,288
Ending balance: loans acquired with deteriorated credit quality(1)	$	4,387	$	—	$	1,234		$	6,265		$	—	$	—		$	11,886

⁽¹⁾ Includes loans acquired on June 19, 2015 from CNB, on February 14, 2014 from FNBNY and on May 27, 2011 from HSB.

	Year Ended December 31, 2014
	Commercial Real Estate Mortgage Loans			Multi- Family		Residential Real Estate Mortgage Loans			Commercial, Financial and Agricultural Loans			Real Estate Construction and Land Loans			Installment/ Consumer Loans			Total
(In thousands)
Allowance for Loan Losses:
Beginning balance	$	6,279		$	1,597	$	2,712		$	4,006		$	1,206		$	201		$	16,001
Charge-offs		(461	)		—		(257	)		(104	)		—			(2	)		(824	)
Recoveries		—			—		170			87			—			3			260
Provision		1,176			1,073		(417	)		537			(102	)		(67	)		2,200
Ending Balance	$	6,994		$	2,670	$	2,208		$	4,526		$	1,104		$	135		$	17,637
Ending balance: individually evaluated for impairment	$	23		$	—	$	72		$	79		$	—		$	—		$	174
Ending balance: collectively evaluated for impairment	$	6,971		$	2,670	$	2,136		$	4,447		$	1,104		$	135		$	17,463
Ending balance: loan acquired with deteriorated credit quality	$	—		$	—	$	—		$	—		$	—		$	—		$	—
Loans	$	595,397		$	218,985	$	156,156		$	291,743		$	63,556		$	10,124		$	1,335,961
Ending balance: individually evaluated for impairment	$	5,136		$	—	$	383		$	682		$	—		$	—		$	6,201
Ending balance: collectively evaluated for impairment	$	582,946		$	218,985	$	154,897		$	286,368		$	63,556		$	10,124		$	1,316,876
Ending balance: loans acquired with deteriorated credit quality(1)	$	7,315		$	—	$	876		$	4,693		$	—		$	—		$	12,884

⁽¹⁾ Includes loans acquired on February 14, 2014 from FNBNY and on May 27, 2011 from HSB.

	For the Three Months Ended September 30, 2014
	Commercial Real Estate Mortgage Loans			Multi- Family		Residential Real Estate Mortgage Loans			Commercial, Financial and Agricultural Loans			Real Estate Construction and Land Loans			Installment/ Consumer Loans			Total
(In thousands)
Allowance for Loan Losses:
Beginning balance	$	6,675		$	2,097	$	2,525		$	4,190		$	1,035		$	158		$	16,680
Charge-offs		(50	)		—		(134	)		(5	)		—			(1	)		(190	)
Recoveries		—			—		12			15			—			—			27
Provision		248			352		(29	)		46			(93	)		(24	)		500
Ending Balance	$	6,873		$	2,449	$	2,374		$	4,246		$	942		$	133		$	17,017

	For the Nine Months Ended September 30, 2014
	Commercial  Real Estate  Mortgage  Loans			Multi- Family		Residential  Real Estate  Mortgage  Loans			Commercial,  Financial and  Agricultural  Loans			Real Estate  Construction  and Land  Loans			Installment/  Consumer  Loans			Total
(In thousands)
Allowance for Loan Losses:
Beginning balance	$	6,279		$	1,597	$	2,712		$	4,006		$	1,206		$	201		$	16,001
Charge-offs		(460	)		—		(184	)		(103	)		—			(2	)		(749	)
Recoveries		—			—		32			32			—			1			65
Provision		1,054			852		(186	)		311			(264	)		(67	)		1,700
Ending Balance	$	6,873		$	2,449	$	2,374		$	4,246		$	942		$	133		$	17,017