Loans (Tables)

9 Months Ended

Sep. 30, 2014

Loans Receivable, Net [Abstract]

Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]

Loans receivable consist of the following:

	September 30, 2014		December 31,  2013
	(In Thousands)
Real Estate:
Secured by 1-4 family residential	$	209,135	$	195,752
Secured by multi-family residential		166,082		148,952
Secured by commercial real estate		668,361		670,666
Construction		116,809		86,058
		1,160,387		1,101,428
Other Loans:
Commercial		392,465		388,236
Home equity and improvement		111,151		106,930
Consumer Finance		16,616		16,902
		520,232		512,068
Total loans		1,680,619		1,613,496
Deduct:
Undisbursed loan funds		(43,548)		(32,290)
Net deferred loan origination fees and costs		(805)		(758)
Allowance for loan loss		(24,567)		(24,950)
Totals	$	1,611,699	$	1,555,498

Schedule of Valuation Allowance for Impairment of Recognized Servicing Assets [Table Text Block]

The following table discloses allowance for loan loss activity for the quarter ended September 30, 2014 and September 30, 2013 by portfolio segment and impairment method (In Thousands):

Quarter Ended September 30, 2014	1-4 Family Residential Real Estate		Multi- Family Residential Real Estate		Commercial Real Estate		Construction		Commercial		Home Equity and Improvement		Consumer Finance		Total
Beginning Allowance	$	2,345	$	2,480	$	11,476	$	199	$	6,199	$	1,780	$	148	$	24,627
Charge-Offs		(95)		-		(246)		-		(1,272)		(42)		(16)		(1,671)
Recoveries		13		2		978		-		109		87		16		1,205
Provisions		161		99		(1,121)		15		1,384		(134)		2		406
Ending Allowance	$	2,424	$	2,581	$	11,087	$	214	$	6,420	$	1,691	$	150	$	24,567

Quarter Ended September 30, 2013	1-4 Family Residential Real Estate		Multi- Family Residential Real Estate		Commercial Real Estate		Construction		Commercial		Home Equity and Improvement		Consumer Finance		Total
Beginning Allowance	$	3,197	$	2,425	$	13,140	$	83	$	5,474	$	1,786	$	165	$	26,270
Charge-Offs		(78)		-		(829)		-		(39)		(170)		(33)		(1,149)
Recoveries		23		-		248		-		68		9		19		367
Provisions		(344)		107		525		36		43		98		11		476
Ending Allowance	$	2,798	$	2,532	$	13,084	$	119	$	5,546	$	1,723	$	162	$	25,964

The following table discloses allowance for loan loss activity for the year-to-date ended September 30, 2014 and September 30, 2013 by portfolio segment and impairment method (In Thousands):

Year-to-date Ended September 30, 2014	1-4 Family Residential Real Estate		Multi- Family Residential Real Estate		Commercial Real Estate		Construction		Commercial		Home Equity and Improvement		Consumer		Total
Beginning Allowance	$	2,847	$	2,508	$	12,000	$	134	$	5,678	$	1,635	$	148	$	24,950
Charge-Offs		(364)		-		(514)		-		(2,770)		(306)		(39)		(3,993)
Recoveries		167		7		1,901		-		358		172		50		2,655
Provisions		(226)		66		(2,300)		80		3,154		190		(9)		955
Ending Allowance	$	2,424	$	2,581	$	11,087	$	214	$	6,420	$	1,691	$	150	$	24,567

Year-to-date Ended September 30, 2013	1-4 Family Residential Real Estate		Multi- Family Residential Real Estate		Commercial Real Estate		Construction		Commercial		Home Equity and Improvement		Consumer		Total
Beginning Allowance	$	3,506	$	2,197	$	12,702	$	75	$	6,325	$	1,759	$	147	$	26,711
Charge-Offs		(468)		(6)		(1,372)		-		(560)		(612)		(87)		(3,105)
Recoveries		155		-		516		-		201		70		67		1,009
Provisions		(395)		341		1,238		44		(420)		506		35		1,349
Ending Allowance	$	2,798	$	2,532	$	13,084	$	119	$	5,546	$	1,723	$	162	$	25,964

Schedule of Allowance for Loan Losses and Recorded Investment in Portfolio Segment Based on Impairment [Table Text Block]

The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of September 30, 2014: (In Thousands)

	1-4 Family		Multi- Family
	Residential		Residential		Commercial						Home Equity		Consumer
	Real Estate		Real Estate		Real Estate		Construction		Commercial		& Improvement		Finance		Total
Allowance for loan losses:
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	220	$	-	$	1,142	$	-	$	36	$	24	$	-	$	1,422
Collectively evaluated for impairment		2,204		2,581		9,945		214		6,384		1,667		150		23,145
Acquired with deteriorated credit quality		-		-		-		-		-		-		-		-
Total ending allowance balance	$	2,424	$	2,581	$	11,087	$	214	$	6,420	$	1,691	$	150	$	24,567
Loans:
Loans individually evaluated for impairment	$	9,760	$	338	$	28,160	$	262	$	6,010	$	2,242	$	44	$	46,816
Loans collectively evaluated for impairment		199,789		165,903		642,180		72,944		387,827		109,357		16,558		1,594,558
Loans acquired with deteriorated credit quality		1		-		169		-		23		-		-		193
Total ending loans balance	$	209,550	$	166,241	$	670,509	$	73,206	$	393,860	$	111,599	$	16,602	$	1,641,567

The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of December 31, 2013: (In Thousands)

	1-4 Family		Multi- Family
	Residential		Residential		Commercial						Home Equity		Consumer
	Real Estate		Real Estate		Real Estate		Construction		Commercial		& Improvement		Finance		Total
Allowance for loan losses:
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	220	$	-	$	1,121	$	-	$	6	$	45	$	-	$	1,392
Collectively evaluated for impairment		2,627		2,508		10,879		134		5,672		1,590		148		23,558
Acquired with deteriorated credit quality		-		-		-		-		-		-		-		-
Total ending allowance balance	$	2,847	$	2,508	$	12,000	$	134	$	5,678	$	1,635	$	148	$	24,950
Loans:
Loans individually evaluated for impairment	$	10,245	$	840	$	34,874	$	263	$	8,737	$	2,429	$	53	$	57,441
Loans collectively evaluated for impairment		185,923		148,294		637,657		53,467		380,711		104,958		16,838		1,527,848
Loans acquired with deteriorated credit quality		29		-		174		-		27		-		-		230
Total ending loans balance	$	196,197	$	149,134	$	672,705	$	53,730	$	389,475	$	107,387	$	16,891	$	1,585,519

Loans Receivable, Impaired, Interest Income, Cash Basis Method [Table Text Block]

The following table presents the average balance, interest income recognized and cash basis income recognized on impaired loans by class of loans. (In Thousands)

	Three Months Ended September 30,  2014						Nine Months Ended September 30, 2014
	Average  Balance		Interest  Income  Recognized		Cash Basis  Income  Recognized		Average  Balance		Interest  Income  Recognized		Cash Basis  Income  Recognized
Residential Owner Occupied	$	6,242	$	84	$	87	$	6,235	$	250	$	245
Residential Non Owner Occupied		3,537		31		31		3,778		101		102
Total Residential Real Estate		9,779		115		118		10,013		351		347
Construction		261		4		4		261		10		13
Multi-Family		349		1		1		368		3		3
CRE Owner Occupied		8,238		35		29		9,014		108		97
CRE Non Owner Occupied		18,144		200		201		18,656		605		609
Agriculture Land		536		3		2		635		11		7
Other CRE		2,576		5		5		2,075		15		16
Total Commercial Real Estate		29,494		243		237		30,381		739		729
Commercial Working Capital		3,111		9		9		3,107		20		20
Commercial Other		4,325		4		3		4,612		8		6
Total Commercial		7,436		13		12		7,719		28		26
Home Equity and Home Improvement		2,185		25		24		2,240		75		74
Consumer		47		1		1		52		3		3
Total Impaired Loans	$	49,551	$	402	$	397	$	51,034	$	1,209	$	1,195

The following table presents the average balance, interest income recognized and cash basis income recognized on impaired loans by class of loans: (In Thousands)

	Three Months Ended September 30,  2013						Nine Months Ended September 30, 2013
	Average  Balance		Interest  Income  Recognized		Cash Basis  Income  Recognized		Average  Balance		Interest  Income  Recognized		Cash Basis  Income  Recognized
Residential Owner Occupied	$	6,463	$	88	$	89	$	6,705	$	268	$	266
Residential Non Owner Occupied		4,261		42		43		4,465		116		117
Total Residential Real Estate		10,724		130		132		11,170		384		383
Construction		261		4		5		142		6		6
Multi-Family		1,078		9		9		1,261		20		21
CRE Owner Occupied		14,339		121		127		14,520		304		302
CRE Non Owner Occupied		23,254		237		264		23,786		675		687
Agriculture Land		674		4		2		800		21		13
Other CRE		3,226		14		14		4,297		28		24
Total Commercial Real Estate		41,493		376		407		43,403		1,028		1,026
Commercial Working Capital		3,058		13		14		2,273		33		37
Commercial Other		5,918		14		15		6,449		64		58
Total Commercial		8,976		27		29		8,722		97		95
Home Equity and Home Improvement		2,596		29		29		2,684		95		91
Consumer		76		1		2		90		5		5
Total Impaired Loans	$	65,204	$	576	$	613	$	67,472	$	1,635	$	1,627

Impaired Financing Receivables [Table Text Block]

The following table presents loans individually evaluated for impairment by class of loans: (In Thousands)

	September 30, 2014						December 31, 2013
	Unpaid Principal Balance*		Recorded Investment		Allowance for Loan Losses Allocated		Unpaid Principal Balance*		Recorded Investment		Allowance for Loan Losses Allocated
With no allowance recorded:
Residential Owner Occupied	$	4,250	$	4,150	$	-	$	4,744	$	4,729	$	-
Residential Non Owner Occupied		3,169		3,070		-		4,844		4,329		-
Total 1-4 Family Residential Real Estate		7,419		7,220		-		9,588		9,058		-
Multi-Family Residential Real Estate		488		338		-		989		840		-
CRE Owner Occupied		7,446		5,088		-		11,105		8,376		-
CRE Non Owner Occupied		4,619		3,934		-		9,399		7,740		-
Agriculture Land		476		457		-		629		488		-
Other CRE		3,003		2,458		-		3,274		2,452		-
Total Commercial Real Estate		15,544		11,937		-		24,407		19,056		-
Construction		261		262		-		300		263		-
Commercial Working Capital		3,476		1,496		-		3,147		3,146		-
Commercial Other		4,596		3,605		-		6,063		5,415		-
Total Commercial		8,072		5,101		-		9,210		8,561		-
Home Equity and Home Improvement		2,144		2,093		-		1,985		1,992		-
Consumer Finance		44		44		-		53		53		-
Total loans with no allowance recorded	$	33,972	$	26,995	$	-	$	46,532	$	39,823	$	-
With an allowance recorded:
Residential Owner Occupied	$	2,065	$	2,068	$	211	$	1,100	$	1,103	$	218
Residential Non Owner Occupied		470		472		9		84		84		2
Total 1-4 Family Residential Real Estate		2,535		2,540		220		1,184		1,187		220
Multi-Family Residential Real Estate		-		-		-		-		-		-
CRE Owner Occupied		2,997		2,423		144		3,212		2,765		166
CRE Non Owner Occupied		13,749		13,610		994		12,756		12,803		946
Agriculture Land		75		79		1		195		197		7
Other CRE		139		111		3		82		53		2
Total Commercial Real Estate		16,960		16,223		1,142		16,245		15,818		1,121
Construction		-		-		-		-		-		-
Commercial Working Capital		652		654		21		-		-		-
Commercial Other		253		255		15		176		176		6
Total Commercial		905		909		36		176		176		6
Home Equity and Home Improvement		148		149		24		436		437		45
Consumer Finance		-		-		-		-		-		-
Total loans with an allowance recorded	$	20,548	$	19,821	$	1,422	$	18,041	$	17,618	$	1,392

*Presented gross of charge-offs

Schedule of Non-Performing Loans and Real Estate Owned [Table Text Block]

The following table presents the aggregate amounts of non-performing assets, comprised of non-performing loans and real estate owned on the dates indicated: 

	September 30, 2014		December 31, 2013
	(In Thousands)
Non-accrual loans	$	22,525	$	27,847
Loans over 90 days past due and still accruing		-		-
Total non-performing loans		22,525		27,847
Real estate and other assets held for sale		5,326		5,859
Total non-performing assets	$	27,851	$	33,706

Schedule of Financing Receivables, Non Accrual Status [Table Text Block]

The following table presents the aging of the recorded investment in past due and non accrual loans as of September 30, 2014 by class of loans: (In Thousands)

	Current		30-59 days		60-89 days		90+ days		Total Past  Due		Total Non  Accrual
Residential Owner Occupied	$	143,791	$	28	$	696	$	753	$	1,477	$	1,217
Residential Non Owner Occupied		63,380		-		54		848		902		1,836
Total 1-4 Family Residential Real Estate		207,171		28		750		1,601		2,379		3,053
Multi-Family Residential Real Estate		166,241		-		-		-		-		407
CRE Owner Occupied		300,079		1171		887		1,895		3,953		5,963
CRE Non Owner Occupied		237,839		77		28		1,866		1,971		4,096
Agriculture Land		85,304		82		118		482		682		977
Other Commercial Real Estate		40,353		69		-		259		328		2,432
Total Commercial Real Estate		663,575		1,399		1,033		4,502		6,934		13,468
Construction		73,206		-		-		-		-		-
Commercial Working Capital		140,229		-		164		1,143		1,307		1,480
Commercial Other		247,775		1,122		17		3,410		4,549		4,056
Total Commercial		388,004		1,122		181		4,553		5,856		5,536
Consumer Finance		16,509		83		10		-		93		-
Home Equity/Home Improvement		110,376		1,035		119		69		1,223		69
Total Loans	$	1,625,082	$	3,667	$	2,093	$	10,725	$	16,485	$	22,533

The following table presents the aging of the recorded investment in past due and non accrual loans as of December 31, 2013 by class of loans: (In Thousands)

	Current		30-59 days		60-89 days		90+ days		Total Past  Due		Total Non  Accrual
Residential Owner Occupied	$	126,855	$	1,530	$	191	$	1,009	$	2,730	$	1,329
Residential Non Owner Occupied		65,292		531		403		386		1,320		1,943
Total 1-4 Family Residential Real Estate		192,147		2,061		594		1,395		4,050		3,272
Multi-Family Residential Real Estate		149,134		-		-		-		-		583
CRE Owner Occupied		311,253		334		495		3,671		4,500		7,492
CRE Non Owner Occupied		225,433		1,067		918		902		2,887		4,717
Agriculture Land		81,954		21		-		73		94		630
Other Commercial Real Estate		45,297		-		-		1,287		1,287		2,412
Total Commercial Real Estate		663,937		1,422		1,413		5,933		8,768		15,251
Construction		53,730		-		-		-		-		-
Commercial Working Capital		155,373		-		-		419		419		2,917
Commercial Other		230,054		37		26		3,566		3,629		5,419
Total Commercial		385,427		37		26		3,985		4,048		8,336
Consumer Finance		16,759		131				-		131		-
Home Equity/Home Improvement		105,657		1,163		155		413		1,731		413
Total Loans	$	1,566,791	$	4,814	$	2,188	$	11,726	$	18,728	$	27,855

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

The following table presents loans by class modified as troubled debt restructurings that occurred during the three and nine month periods ending September 30, 2014 and September 30, 2013:

	Loans Modified as a TDR for the Three Months Ended September 30, 2014 ($ In Thousands)			Loans Modified as a TDR for the Nine Months Ended September 30, 2014 ($ In Thousands)
Troubled Debt Restructurings	Number of Loans	Recorded Investment (as of period end)		Number of Loans		Recorded Investment (as of period end)
Residential Owner Occupied	2	$	308		17	$	1,680
Residential Non Owner Occupied	2		361		2		361
CRE Owner Occupied	0		-		0		-
CRE Non Owner Occupied	1		135		2		493
Agriculture Land	0		-		0		-
Other CRE	0		-		0		-
Commercial working capital or other	2		24		13		1,700
Home Equity / Improvement	5		234		12		401
Consumer Finance	1		3		3		22
Total	13	$	1,065		49	$	4,657

	Loans Modified as a TDR for the Three Months Ended September 30, 2013 ($ In Thousands)				Loans Modified as a TDR for the Nine Months Ended September 30, 2013 ($ In Thousands)
Troubled Debt Restructurings	Number of Loans		Recorded Investment (as of period end)		Number of Loans		Recorded Investment (as of period end)
Residential Owner Occupied		0	$	-		8	$	746
Residential Non Owner Occupied		5		206		6		393
CRE Owner Occupied		1		47		5		802
CRE Non Owner Occupied		0		-		1		1,361
Agriculture Land		0		-		1		214
Other CRE		0		-		1		31
Commercial working capital or other		5		941		6		988
Home Equity / Improvement		4		66		13		536
Consumer Finance		0		-		2		13
Total		15	$	1,260		43	$	5,084

Troubled Debt Restructurings on Payments [Table Text Block]

The following table presents loans by class modified as TDRs for which there was a payment default within twelve months following the modification during the three and nine month period ending September 30, 2014 and September 30, 2013:

	Three Months Ended September 30, 2014 ($ In Thousands)				Nine Months Ended September 30, 2014 ($ In Thousands)
Troubled Debt Restructurings That Subsequently Defaulted	Number of Loans		Recorded Investment (as of period end)		Number of Loans		Recorded Investment (as of period end)
Residential Owner Occupied		1	$	80		1	$	80
Residential Non Owner Occupied		0		0		1		182
CRE Owner Occupied		4		146		4		146
CRE Non Owner Occupied		0		-		0		-
Agriculture Land		0		-		0		-
Other CRE		0		-		0		-
Commercial working capital or other		4		1,269		4		1,269
Home Equity / Improvement		0		-		0		-
Consumer Finance		0		-		0		-
Total		9	$	1,495		10	$	1,677

	Three Months Ended September 30, 2013 ($ In Thousands)				Nine Months Ended September 30, 2013 ($ In Thousands)
Troubled Debt Restructurings That Subsequently Defaulted	Number of Loans		Recorded Investment (as of period end)		Number of Loans		Recorded Investment (as of period end)
Residential Owner Occupied		4	$	339		5	$	432
Residential Non Owner Occupied		1		78		1		78
CRE Owner Occupied		0		-		0		-
CRE Non Owner Occupied		0		-		1		212
Agriculture Land		0		-		0		-
Other CRE		0		-		0		-
Commercial / Industrial		2		178		2		178
Home Equity / Improvement		2		38		2		38
Consumer Finance		0		-		0		-
Total		9	$	633		11	$	938

Financing Receivable Credit Quality Indicators [Table Text Block]

As of September 30, 2014, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows (In Thousands):

Class	Pass		Special Mention		Substandard		Doubtful		Not Graded		Total
1-4 Family Owner Occupied	$	4,126	$	133	$	2,075	$	461	$	138,454	$	145,249
1-4 Family Non Owner Occupied		52,141		1,938		4,924		-		5,298		64,301
Total 1-4 Family Real Estate		56,267		2,071		6,999		461		143,752		209,550
Multi-Family Residential Real Estate		163,984		226		1,105		-		926		166,241
CRE Owner Occupied		272,820		21,464		8,442		-		1,306		304,032
CRE Non Owner Occupied		216,228		8,428		15,122		-		32		239,810
Agriculture Land		83,008		1,886		1,092		-		-		85,986
Other CRE		36,525		9		3,545		-		602		40,681
Total Commercial Real Estate		608,581		31,787		28,201		-		1,940		670,509
Construction		62,030		-		262		-		10,914		73,206
Commercial Working Capital		133,633		6,068		1,837		-		-		141,538
Commercial Other		238,601		8,609		5,112		-		-		252,322
Total Commercial		372,234		14,677		6,949		-		-		393,860
Home Equity and Home Improvement		-		-		1,154		69		110,376		111,599
Consumer Finance		-		-		67		-		16,535		16,602
Total Loans	$	1,263,096	$	48,761	$	44,737	$	530	$	284,443	$	1,641,567

As of December 31, 2013, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows (In Thousands):

Class	Pass		Special Mention		Substandard		Doubtful		Not Graded		Total
1-4 Family Owner Occupied	$	4,287	$	18	$	3,515	$	-	$	121,765	$	129,585
1-4 Family Non Owner Occupied		51,660		2,894		5,699		-		6,359		66,612
Total 1-4 Family Real Estate		55,947		2,912		9,214		-		128,124		196,197
Multi-Family Residential Real Estate		145,407		875		1,888		-		964		149,134
CRE Owner Occupied		291,770		10,584		11,665		-		1,734		315,753
CRE Non Owner Occupied		200,790		10,254		17,185		-		91		228,320
Agriculture Land		80,418		578		1,051		-		-		82,047
Other CRE		40,676		2,074		3,104		-		731		46,585
Total Commercial Real Estate		613,654		23,490		33,005		-		2,556		672,705
Construction		43,465		-		263		-		10,002		53,730
Commercial Working Capital		148,703		3,429		3,660		-		-		155,792
Commercial Other		219,790		6,994		6,899		-		-		233,683
Total Commercial		368,493		10,423		10,559		-		-		389,475
Home Equity and Home Improvement		-		-		755		45		106,587		107,387
Consumer Finance		-		-		31		-		16,860		16,891
Total Loans	$	1,226,966	$	37,700	$	55,715	$	45	$	265,093	$	1,585,519