Loans (Tables)

9 Months Ended

Sep. 30, 2016

Loans Receivable, Net [Abstract]

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

Loans receivable consist of the following:

	September 30, 2016		December 31, 2015
	(In Thousands)
Real Estate:
Secured by 1-4 family residential	$	209,097	$	205,330
Secured by multi-family residential		199,829		167,558
Secured by commercial real estate		843,991		780,870
Construction		177,075		163,877
		1,429,992		1,317,635
Other Loans:
Commercial		456,099		419,349
Home equity and improvement		118,165		116,962
Consumer finance		17,251		16,281
		591,515		552,592
Total loans		2,021,507		1,870,227
Deduct:
Undisbursed loan funds		(94,552)		(66,902)
Net deferred loan origination fees and costs		(1,261)		(1,108)
Allowance for loan loss		(25,923)		(25,382)
Totals	$	1,899,771	$	1,776,835

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, 2016 and 2015 by portfolio segment (In Thousands):

Quarter Ended  September 30, 2016	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	$	2,839	$	2,365	$	10,904	$	633	$	6,740	$	2,278	$	189	$	25,948
Charge-Offs		(111)		0		(79)		0		(26)		(74)		(24)		(314)
Recoveries		3		0		62		0		159		40		10		274
Provisions		(299)		(185)		(280)		(221)		1,006		(47)		41		15
Ending Allowance	$	2,432	$	2,180	$	10,607	$	412	$	7,879	$	2,197	$	216	$	25,923

Quarter Ended  September 30, 2015	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	$	2,877	$	2,269	$	12,096	$	308	$	5,567	$	2,107	$	160	$	25,384
Charge-Offs		(185)		0		(64)		0		(43)		(110)		(5)		(407)
Recoveries		105		0		25		0		42		76		11		259
Provisions		(18)		(25)		96		(69)		(155)		152		(8)		(27)
Ending Allowance	$	2,779	$	2,244	$	12,153	$	239	$	5,411	$	2,225	$	158	$	25,209

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

The following table discloses allowance for loan loss activity for the year-to-date periods ended September 30, 2016 and September 30, 2015 by portfolio segment and impairment method (In Thousands):

Year-to-date Period Ended September 30, 2016	1-4 Family Residential Real Estate		Multi-Family Residential Real Estate		Commercial Real Estate		Construction		Commercial		Home Equity and Improvement		Consumer		Total
Beginning Allowance	$	3,212	$	2,151	$	11,772	$	517	$	5,255	$	2,304	$	171	$	25,382
Charge-Offs		(203)		0		(92)		0		(381)		(170)		(41)		(887)
Recoveries		123		0		468		0		234		113		58		996
Provisions		(700)		29		(1,541)		(105)		2,771		(50)		28		432
Ending Allowance	$	2,432	$	2,180	$	10,607	$	412	$	7,879	$	2,197	$	216	$	25,923

Year-to-date Period Ended September 30, 2015	1-4 Family Residential Real Estate		Multi- Family Residential Real Estate		Commercial Real Estate		Construction		Commercial		Home Equity and Improvement		Consumer		Total
Beginning Allowance	$	2,494	$	2,453	$	11,268	$	221	$	6,509	$	1,704	$	117	$	24,766
Charge-Offs		(275)		(114)		(250)		0		(68)		(340)		(21)		(1,068)
Recoveries		178		0		789		0		255		156		40		1,418
Provisions		382		(95)		346		18		(1,285)		705		22		93
Ending Allowance	$	2,779	$	2,244	$	12,153	$	239	$	5,411	$	2,225	$	158	$	25,209

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, 2016 (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	$	101	$	1	$	89	$	-	$	24	$	39	$	-	$	254
Collectively evaluated for impairment		2,331		2,179		10,518		412		7,855		2,158		216		25,669
Acquired with deteriorated credit quality		-		-		-		-		-		-		-		-
Total ending allowance balance	$	2,432	$	2,180	$	10,607	$	412	$	7,879	$	2,197	$	216	$	25,923
Loans:
Loans individually evaluated for impairment	$	6,767	$	3,580	$	16,885	$	-	$	4,416	$	1,424	$	66	$	33,138
Loans collectively evaluated for impairment		202,600		196,409		829,692		82,254		453,130		117,290		17,186		1,898,561
Loans acquired with deteriorated credit quality		-		-		144		-		12		-		-		156
Total ending loans balance	$	209,367	$	199,989	$	846,721	$	82,254	$	457,558	$	118,714	$	17,252	$	1,931,855

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, 2015 (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	$	201	$	-	$	139	$	-	$	63	$	34	$	-	$	437
Collectively evaluated for impairment		3,011		2,151		11,633		517		5,192		2,270		171		24,945
Acquired with deteriorated credit quality		-		-		-		-		-		-		-		-
Total ending allowance balance	$	3,212	$	2,151	$	11,772	$	517	$	5,255	$	2,304	$	171	$	25,382
Loans:
Loans individually evaluated for impairment	$	7,574	$	3,313	$	23,493	$	-	$	6,107	$	1,491	$	71	$	42,049
Loans collectively evaluated for impairment		198,106		164,382		759,281		96,845		414,527		115,977		16,199		1,765,317
Loans acquired with deteriorated credit quality		-		-		153		-		16		-		-		169
Total ending loans balance	$	205,680	$	167,695	$	782,927	$	96,845	$	420,650	$	117,468	$	16,270	$	1,807,535

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, 2016						Nine Months Ended September 30, 2016
	Average Balance		Interest Income Recognized		Cash Basis Income Recognized		Average Balance		Interest Income Recognized		Cash Basis Income Recognized
Residential Owner Occupied	$	3,876	$	34	$	33	$	3,892	$	109	$	106
Residential Non Owner Occupied		2,935		29		29		3,234		95		94
Total Residential Real Estate		6,811		63		62		7,126		204		200
Construction		-		-		-		-		-		-
Multi-Family		3,607		14		14		4,087		68		68
CRE Owner Occupied		7,171		30		30		7,810		134		115
CRE Non Owner Occupied		6,341		73		73		5,220		178		175
Agriculture Land		1,851		16		2		2,427		66		16
Other CRE		1,570		13		13		1,556		31		31
Total Commercial Real Estate		16,933		132		118		17,013		409		337
Commercial Working Capital		2,259		26		11		1,769		56		33
Commercial Other		2,198		8		7		2,742		36		34
Total Commercial		4,457		34		18		4,511		92		67
Home Equity and Home Improvement		1,446		12		12		1,631		40		40
Consumer Finance		65		1		1		69		3		3
Total Impaired Loans	$	33,319	$	256	$	225	$	34,437	$	816	$	715

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, 2015						Nine Months Ended September 30, 2015
	Average Balance		Interest Income Recognized		Cash Basis Income Recognized		Average Balance		Interest Income Recognized		Cash Basis Income Recognized
Residential Owner Occupied	$	5,750	$	67	$	66	$	5,854	$	203	$	201
Residential Non Owner Occupied		3,762		38		38		4,045		117		117
Total Residential Real Estate		9,512		105		104		9,899		320		318
Construction		-		-		-		50		2		2
Multi-Family		3,168		12		11		2,680		25		25
CRE Owner Occupied		6,475		39		39		6,566		117		117
CRE Non Owner Occupied		2,696		29		29		7,445		273		273
Agriculture Land		2,236		21		2		1,741		53		30
Other CRE		1,509		5		5		2,023		31		30
Total Commercial Real Estate		12,916		94		75		17,775		474		450
Commercial Working Capital		1,030		11		11		1,478		38		36
Commercial Other		2,989		7		6		3,483		33		41
Total Commercial		4,019		18		17		4,961		71		77
Home Equity and Home Improvement		2,160		19		19		2,257		60		60
Consumer Finance		58		1		2		55		2		3
Total Impaired Loans	$	31,833	$	249	$	228	$	37,677	$	954	$	935

Impaired Financing Receivables [Table Text Block]

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

	September 30, 2016						December 31, 2015
	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	$	1,591	$	1,569	$	-	$	1,383	$	1,360	$	-
Residential Non Owner Occupied		2,486		2,478		-		2,147		2,141		-
Total 1-4 Family Residential Real Estate		4,077		4,047		-		3,530		3,501		-
Multi-Family Residential Real Estate		3,675		3,525		-		3,463		3,313		-
CRE Owner Occupied		5,646		5,331		-		4,869		4,520		-
CRE Non Owner Occupied		6,373		5,940		-		7,932		7,685		-
Agriculture Land		1,841		1,884		-		3,546		3,596		-
Other CRE		1,256		1,152		-		4,076		4,046		-
Total Commercial Real Estate		15,116		14,307		-		20,423		19,847		-
Construction		-		-		-		-		-		-
Commercial Working Capital		2,176		2,162		-		1,644		1,648		-
Commercial Other		2,005		1,917		-		3,573		3,607		-
Total Commercial		4,181		4,079		-		5,217		5,255		-
Home Equity and Home Improvement		716		670		-		817		772		-
Consumer Finance		59		59		-		60		59		-
Total loans with no allowance recorded	$	27,824	$	26,687	$	-	$	33,510	$	32,747	$	-
With an allowance recorded:
Residential Owner Occupied	$	2,340	$	2,313	$	93	$	2,918	$	2,837	$	188
Residential Non Owner Occupied		415		407		8		1,231		1,236		13
Total 1-4 Family Residential Real Estate		2,755		2,720		101		4,149		4,073		201
Multi-Family Residential Real Estate		54		55		1		-		-		-
CRE Owner Occupied		2,261		1,791		79		3,250		2,767		132
CRE Non Owner Occupied		340		341		4		385		308		2
Agriculture Land		46		47		1		68		69		2
Other CRE		822		399		5		926		502		3
Total Commercial Real Estate		3,469		2,578		89		4,629		3,646		139
Construction		-		-		-		-		-		-
Commercial Working Capital		107		107		2		594		596		62
Commercial Other		367		230		22		252		256		1
Total Commercial		474		337		24		846		852		63
Home Equity and Home Improvement		788		754		39		724		719		34
Consumer Finance		8		7		-		12		12		-
Total loans with an allowance recorded	$	7,548	$	6,451	$	254	$	10,360	$	9,302	$	437

* Presented gross of charge offs

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

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

	September 30, 2016		December 31, 2015
	(In Thousands)
Non-accrual loans	$	18,198	$	16,261
Loans over 90 days past due and still accruing		-		-
Total non-performing loans		18,198		16,261
Real estate and other assets held for sale		704		1,321
Total non-performing assets	$	18,902	$	17,582
Troubled debt restructuring, still accruing	$	9,113	$	11,178

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, 2016 by class of loans (In Thousands):

	Current		30-59 days		60-89 days		90+ days		Total Past Due		Total Non Accrual
Residential Owner Occupied	$	141,829	$	30	$	573	$	847	$	1,450	$	1,834
Residential Non Owner Occupied		65,410		481		78		119		678		1,081
Total 1-4 Family Residential Real Estate		207,239		511		651		966		2,128		2,915
Multi-Family Residential Real Estate		199,989		-		-		-		-		2,713
CRE Owner Occupied		348,245		134		1,128		1,678		2,940		4,972
CRE Non Owner Occupied		331,569		158		488		272		918		1,753
Agriculture Land		107,249		53		-		-		53		857
Other Commercial Real Estate		55,498		-		-		249		249		1,004
Total Commercial Real Estate		842,561		345		1,616		2,199		4,160		8,586
Construction		82,254		-		-		-		-		-
Commercial Working Capital		202,496		-		790		39		829		1,207
Commercial Other		252,800		188		17		1,228		1,433		2,059
Total Commercial		455,296		188		807		1,267		2,262		3,266
Home Equity/Home Improvement		117,737		657		162		158		977		719
Consumer Finance		17,057		131		64		-		195		13
Total Loans	$	1,922,133	$	1,832	$	3,300	$	4,590	$	9,722	$	18,212

The following table presents the aging of the recorded investment in past due and non accrual loans as of December 31, 2015 by class of loans (In Thousands):

	Current		30-59 days		60-89 days		90+ days		Total Past Due		Total Non Accrual
Residential Owner Occupied	$	138,974	$	159	$	673	$	391	$	1,223	$	1,428
Residential Non Owner Occupied		64,577		324		356		226		906		1,179
Total 1-4 Family Residential Real Estate		203,551		483		1,029		617		2,129		2,607
Multi-Family Residential Real Estate		165,671		-		-		2,024		2,024		2,417
CRE Owner Occupied		322,940		772		1,218		1,266		3,256		4,141
CRE Non Owner Occupied		304,166		-		106		538		644		1,229
Agriculture Land		98,055		57		-		-		57		695
Other Commercial Real Estate		53,494		-		-		315		315		1,364
Total Commercial Real Estate		778,655		829		1,324		2,119		4,272		7,429
Construction		96,845		-		-		-		-		-
Commercial Working Capital		168,938		16		-		154		170		251
Commercial Other		249,070		203		46		2,223		2,472		2,833
Total Commercial		418,008		219		46		2,377		2,642		3,084
Home Equity and Home Improvement		116,599		733		92		44		869		689
Consumer Finance		16,216		27		3		24		54		36
Total Loans	$	1,795,545	$	2,291	$	2,494	$	7,205	$	11,990	$	16,262

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, 2016 and September 30, 2015:

	Loans Modified as a TDR for the Three Months Ended September 30, 2016 ($ in thousands)				Loans Modified as a TDR for the Nine Months Ended September 30, 2016 ($ in thousands)
Troubled Debt Restructurings	Number of Loans		Recorded Investment (as of period end)		Number of Loans		Recorded Investment (as of period end)
1-4 Family Owner Occupied		5	$	86		10	$	208
1-4 Family Non Owner Occupied		1		8		3		128
Multi Family		0		-		1		54
CRE Owner Occupied		0		-		0		-
CRE Non Owner Occupied		2		215		4		870
Agriculture Land		1		46		1		46
Other CRE		0		-		0		-
Commercial Working Capital		0		-		1		226
Commercial Other		0		-		1		590
Home Equity and Improvement		4		52		8		340
Consumer Finance		1		13		2		16
Total		14	$	420		31	$	2,478

The loans described above increased the ALLL by $31,000 in the three month period ending September 30, 2016 and decreased the ALLL by $9,000 in the nine month period ending September 30, 2016.

	Loans Modified as a TDR for the Three Months Ended September 30, 2015 ($ in thousands)				Loans Modified as a TDR for the Nine Months Ended September 30, 2015 ($ in thousands)
Troubled Debt Restructurings	Number of Loans		Recorded Investment (as of period end)		Number of Loans		Recorded Investment (as of period end)
1-4 Family Owner Occupied		0	$	-		3	$	226
1-4 Family Non Owner Occupied		0		-		4		63
CRE Owner Occupied		1		72		2		632
CRE Non Owner Occupied		0		-		2		252
Agriculture Land		0		-		3		1,552
Other CRE		0		-		0		-
Commercial Working Capital		2		114		4		119
Commercial Other		1		19		2		73
Home Equity and Improvement		4		114		11		217
Consumer Finance		2		2		6		37
Total		10	$	321		37	$	3,171

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 periods ended September 30, 2016 and September 30, 2015:

	Three Months Ended September 30, 2016 ($ in thousands)				Nine Months Ended September 30, 2016 ($ 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)
1-4 Family Owner Occupied		1	$	190		1	$	190
1-4 Family Non Owner Occupied		0		-		0		-
CRE Owner Occupied		0		-		0		-
CRE Non Owner Occupied		0		-		1		11
Agriculture Land		0		-		0		-
Other CRE		0		-		0		-
Commercial Working Capital or Other		0		-		0		-
Commercial Other		0		-		0		-
Home Equity and Improvement		0		-		0		-
Consumer Finance		0		-		0		-
Total		1	$	190		2	$	201

The TDRs that subsequently defaulted described above had no effect on the allowance for loan losses for the three and nine month periods ended September 30, 2016.

	Three Months Ended September 30, 2015 ($ in thousands)				Nine Months Ended September 30, 2015 ($ 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)
1-4 Family Owner Occupied		0	$	-		0	$	-
1-4 Family Non Owner Occupied		0		-		1		105
CRE Owner Occupied		0		-		0		-
CRE Non Owner Occupied		0		-		0		-
Agriculture Land		0		-		0		-
Other CRE		0		-		0		-
Commercial Working Capital or Other		1		120		1		120
Commercial Other		5		1,829		5		1,829
Home Equity and Improvement		0		-		1		22
Consumer Finance		0		-		0		-
Total		6	$	1,949		8	$	2,076

Financing Receivable Credit Quality Indicators [Table Text Block]

As of September 30, 2016, 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	$	5,585	$	286	$	1,637	$	-	$	135,771	$	143,279
1-4 Family Non Owner Occupied		57,485		926		3,581		-		4,096		66,088
Total 1-4 Family Real Estate		63,070		1,212		5,218		-		139,867		209,367
Multi-Family Residential Real Estate		195,606		310		3,958		-		115		199,989
CRE Owner Occupied		319,942		23,239		7,564		-		440		351,185
CRE Non Owner Occupied		325,109		1,016		6,355		-		6		332,486
Agriculture Land		102,228		2,869		2,206		-		-		107,303
Other CRE		52,585		-		2,420		-		742		55,747
Total Commercial Real Estate		799,864		27,124		18,545		-		1,188		846,721
Construction		63,927		-		-		-		18,327		82,254
Commercial Working Capital		189,208		11,509		2,608		-		-		203,325
Commercial Other		244,846		6,579		2,808		-		-		254,233
Total Commercial		434,054		18,088		5,416		-		-		457,558
Home Equity and Home Improvement		-		-		691		-		118,023		118,714
Consumer Finance		-		-		13		-		17,239		17,252
Total Loans	$	1,556,521	$	46,734	$	33,841	$	-	$	294,759	$	1,931,855

As of December 31, 2015, 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
Residential Owner Occupied	$	5,828	$	123	$	2,427	$	-	$	131,820	$	140,198
Residential Non Owner Occupied		55,169		1,420		4,439		-		4,454		65,482
Total 1-4 Family Real Estate		60,997		1,543		6,866		-		136,274		205,680
Multi-Family Residential Real Estate		163,405		498		3,675		-		117		167,695
CRE Owner Occupied		297,856		17,896		9,730		-		714		326,196
CRE Non Owner Occupied		293,057		2,143		9,595		-		15		304,810
Agriculture Land		92,262		1,947		3,903		-		-		98,112
Other CRE		47,109		469		5,739		-		492		53,809
Total Commercial Real Estate		730,284		22,455		28,967		-		1,221		782,927
Construction		76,152		2,159		-		-		18,534		96,845
Commercial Working Capital		163,071		2,497		3,540		-		-		169,108
Commercial Other		243,308		2,706		5,528		-		-		251,542
Total Commercial		406,379		5,203		9,068		-		-		420,650
Home Equity and Home Improvement		-		-		689		-		116,779		117,468
Consumer Finance		-		-		15		-		16,255		16,270
Total Loans	$	1,437,217	$	31,858	$	49,280	$	-	$	289,180	$	1,807,535