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Loans (Tables)
 3 Months Ended
Mar. 31, 2018
Loans Receivable, Net [Abstract]  
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]
Loans receivable consist of the following:
 
 
 
March 31,
2018
 
December 31,
2017
 
 
 
(In Thousands)
 
Real Estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Secured by 1-4 family residential
 
$
275,547
 
$
274,862
 
Secured by multi-family residential
 
 
270,733
 
 
248,092
 
Secured by commercial real estate
 
 
1,011,294
 
 
987,129
 
Construction
 
 
251,944
 
 
265,476
 
 
 
 
1,809,518
 
 
1,775,559
 
Other Loans:
 
 
 
 
 
 
 
Commercial
 
 
500,496
 
 
526,142
 
Home equity and improvement
 
 
133,407
 
 
135,457
 
Consumer finance
 
 
28,035
 
 
29,109
 
 
 
 
661,938
 
 
690,708
 
Total loans
 
 
2,471,456
 
 
2,466,267
 
Deduct:
 
 
 
 
 
 
 
Undisbursed loan funds
 
 
(111,450)
 
 
(115,972)
 
Net deferred loan origination fees and costs
 
 
(1,676)
 
 
(1,582)
 
Allowance for loan loss
 
 
(27,267)
 
 
(26,683)
 
Totals
 
$
2,331,063
 
$
2,322,030
 
Schedule of Valuation Allowance for Impairment of Recognized Servicing Assets [Table Text Block]
The following table discloses allowance for loan loss activity for the quarters ended March 31, 2018 and 2017 by portfolio segment (In Thousands):
 
Quarter Ended March, 2018
 
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
 
$
2,532
 
$
2,702
 
$
10,354
 
$
647
 
$
7,965
 
$
2,255
 
$
228
 
$
26,683
 
Charge-Offs
 
 
(16)
 
 
0
 
 
(55)
 
 
0
 
 
(97)
 
 
(117)
 
 
(31)
 
 
(316)
 
Recoveries
 
 
24
 
 
0
 
 
184
 
 
0
 
 
1,757
 
 
28
 
 
2
 
 
1,995
 
Provisions
 
 
(6)
 
 
281
 
 
290
 
 
20
 
 
(1,787)
 
 
43
 
 
64
 
 
(1,095)
 
Ending Allowance
 
$
2,534
 
$
2,983
 
$
10,773
 
$
667
 
$
7,838
 
$
2,209
 
$
263
 
$
27,267
 
 
Quarter Ended March 31, 2017
 
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
 
$
2,627
 
$
2,228
 
$
10,625
 
$
450
 
$
7,361
 
$
2,386
 
$
207
 
$
25,884
 
Charge-Offs
 
 
(49)
 
 
0
 
 
(290)
 
 
0
 
 
0
 
 
(54)
 
 
(71)
 
 
(464)
 
Recoveries
 
 
56
 
 
32
 
 
34
 
 
0
 
 
115
 
 
33
 
 
4
 
 
274
 
Provisions
 
 
(13)
 
 
(138)
 
 
(159)
 
 
8
 
 
333
 
 
(65)
 
 
89
 
 
55
 
Ending Allowance
 
$
2,621
 
$
2,122
 
$
10,210
 
$
458
 
$
7,809
 
$
2,300
 
$
229
 
$
25,749
 
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 March 31, 2018 (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
 
$
218
 
$
2
 
$
164
 
$
-
 
$
83
 
$
312
 
$
-
 
$
779
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Collectively evaluated for impairment
 
 
2,316
 
 
2,981
 
 
10,609
 
 
667
 
 
7,755
 
 
1,897
 
 
263
 
 
26,488
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Acquired with deteriorated credit quality
 
 
-
 
 
-
 
 
-
 
 
-
 
 
-
 
 
-
 
 
-
 
 
-
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total ending allowance balance
 
$
2,534
 
$
2,983
 
$
10,773
 
$
667
 
$
7,838
 
$
2,209
 
$
263
 
$
27,267
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans individually evaluated for impairment
 
$
7,117
 
$
2,042
 
$
30,070
 
$
-
 
$
10,328
 
$
1,463
 
$
36
 
$
51,056
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans collectively evaluated for impairment
 
 
267,814
 
 
268,745
 
 
982,263
 
 
140,221
 
 
491,616
 
 
132,707
 
 
28,062
 
 
2,311,428
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans acquired with deteriorated credit quality
 
 
1,045
 
 
300
 
 
2,024
 
 
-
 
 
318
 
 
-
 
 
-
 
 
3,687
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total ending loans balance
 
$
275,976
 
$
271,087
 
$
1,014,357
 
$
140,221
 
$
502,262
 
$
134,170
 
$
28,098
 
$
2,366,171
 
 
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, 2017 (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
 
$
167
 
$
7
 
$
118
 
$
-
 
$
187
 
$
279
 
$
-
 
$
758
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Collectively evaluated for impairment
 
 
2,365
 
 
2,695
 
 
10,236
 
 
647
 
 
7,778
 
 
1,976
 
 
228
 
 
25,925
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Acquired with deteriorated credit quality
 
 
-
 
 
-
 
 
-
 
 
-
 
 
-
 
 
-
 
 
-
 
 
-
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total ending allowance balance
 
$
2,532
 
$
2,702
 
$
10,354
 
$
647
 
$
7,965
 
$
2,255
 
$
228
 
$
26,683
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans individually evaluated for impairment
 
$
6,910
 
$
2,278
 
$
31,821
 
$
-
 
$
14,373
 
$
1,176
 
$
50
 
$
56,608
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans collectively evaluated for impairment
 
 
267,377
 
 
245,823
 
 
956,238
 
 
149,174
 
 
513,218
 
 
135,098
 
 
29,125
 
 
2,296,053
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans acquired with deteriorated credit quality
 
 
1,069
 
 
301
 
 
2,121
 
 
-
 
 
337
 
 
-
 
 
-
 
 
3,828
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total ending loans balance
 
$
275,356
 
$
248,402
 
$
990,180
 
$
149,174
 
$
527,928
 
$
136,274
 
$
29,175
 
$
2,356,489
 
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 March 31, 2018
 
 
 
Average
Balance
 
Interest
Income
Recognized
 
Cash Basis
Income
Recognized
 
Residential Owner Occupied
 
$
4,639
 
$
32
 
$
31
 
Residential Non Owner Occupied
 
 
2,509
 
 
44
 
 
41
 
Total Residential Real Estate
 
 
7,148
 
 
76
 
 
72
 
Construction
 
 
-
 
 
-
 
 
-
 
Multi-Family
 
 
2,049
 
 
27
 
 
26
 
CRE Owner Occupied
 
 
13,225
 
 
44
 
 
35
 
CRE Non Owner Occupied
 
 
3,482
 
 
34
 
 
34
 
Agriculture Land
 
 
11,516
 
 
95
 
 
42
 
Other CRE
 
 
1,486
 
 
25
 
 
20
 
Total Commercial Real Estate
 
 
29,709
 
 
198
 
 
131
 
Commercial Working Capital
 
 
5,208
 
 
24
 
 
24
 
Commercial Other
 
 
5,100
 
 
25
 
 
23
 
Total Commercial
 
 
10,308
 
 
49
 
 
47
 
Home Equity and Improvement
 
 
1,474
 
 
11
 
 
11
 
Consumer Finance
 
 
39
 
 
1
 
 
1
 
Total Impaired Loans
 
$
50,727
 
$
362
 
$
288
 
 
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 March 31, 2017
 
 
 
Average
Balance
 
Interest
Income
Recognized
 
Cash Basis
Income
Recognized
 
Residential Owner Occupied
 
$
2,820
 
$
28
 
$
28
 
Residential Non Owner Occupied
 
 
3,891
 
 
36
 
 
36
 
Total Residential Real Estate
 
 
6,711
 
 
64
 
 
64
 
Construction
 
 
3,374
 
 
10
 
 
10
 
Multi-Family
 
 
4,614
 
 
22
 
 
22
 
CRE Owner Occupied
 
 
4,499
 
 
42
 
 
39
 
CRE Non Owner Occupied
 
 
2,707
 
 
47
 
 
19
 
Agriculture Land
 
 
1,668
 
 
13
 
 
12
 
Other CRE
 
 
13,488
 
 
124
 
 
92
 
Total Commercial Real Estate
 
 
-
 
 
-
 
 
-
 
Commercial Working Capital
 
 
2,372
 
 
19
 
 
19
 
Commercial Other
 
 
1,722
 
 
21
 
 
16
 
Total Commercial
 
 
4,094
 
 
40
 
 
35
 
Home Equity and Improvement
 
 
1,254
 
 
10
 
 
10
 
Consumer Finance
 
 
74
 
 
1
 
 
1
 
Total Impaired Loans
 
$
28,995
 
$
249
 
$
212
 
Impaired Financing Receivables [Table Text Block]
The following table presents loans individually evaluated for impairment by class of loans (In Thousands):
 
 
 
March 31, 2018
 
December 31, 2017
 
 
 
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
 
$
2,744
 
$
2,597
 
$
-
 
$
2,507
 
$
2,364
 
$
-
 
Residential Non Owner Occupied
 
 
1,468
 
 
1,464
 
 
-
 
 
1,711
 
 
1,708
 
 
-
 
Total 1-4 Family Residential Real Estate
 
 
4,212
 
 
4,061
 
 
-
 
 
4,218
 
 
4,072
 
 
-
 
Multi-Family Residential Real Estate
 
 
1,863
 
 
1,870
 
 
-
 
 
2,095
 
 
2,102
 
 
-
 
CRE Owner Occupied
 
 
11,847
 
 
11,387
 
 
-
 
 
12,273
 
 
11,804
 
 
-
 
CRE Non Owner Occupied
 
 
3,035
 
 
2,873
 
 
-
 
 
3,085
 
 
2,925
 
 
-
 
Agriculture Land
 
 
11,682
 
 
11,860
 
 
-
 
 
13,029
 
 
13,185
 
 
-
 
Other CRE
 
 
959
 
 
748
 
 
-
 
 
981
 
 
768
 
 
-
 
Total Commercial Real Estate
 
 
27,523
 
 
26,868
 
 
-
 
 
29,368
 
 
28,682
 
 
-
 
Construction
 
 
-
 
 
-
 
 
-
 
 
-
 
 
-
 
 
-
 
Commercial Working Capital
 
 
4,888
 
 
4,815
 
 
-
 
 
5,462
 
 
5,422
 
 
-
 
Commercial Other
 
 
4,744
 
 
4,757
 
 
-
 
 
9,916
 
 
7,644
 
 
-
 
Total Commercial
 
 
9,632
 
 
9,572
 
 
-
 
 
15,378
 
 
13,066
 
 
-
 
Home Equity and Home Improvement
 
 
614
 
 
569
 
 
-
 
 
630
 
 
584
 
 
-
 
Consumer Finance
 
 
36
 
 
36
 
 
-
 
 
42
 
 
42
 
 
-
 
Total loans with no allowance recorded
 
$
43,880
 
$
42,976
 
$
-
 
$
51,731
 
$
48,548
 
$
-
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
With an allowance recorded:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential Owner Occupied
 
$
1,998
 
$
1,978
 
$
144
 
$
1,841
 
$
1,814
 
$
137
 
Residential Non Owner Occupied
 
 
1,076
 
 
1,078
 
 
74
 
 
1,031
 
 
1,024
 
 
30
 
Total 1-4 Family Residential Real Estate
 
 
3,074
 
 
3,056
 
 
218
 
 
2,872
 
 
2,838
 
 
167
 
Multi-Family Residential Real Estate
 
 
171
 
 
172
 
 
2
 
 
175
 
 
176
 
 
7
 
CRE Owner Occupied
 
 
2,077
 
 
1,616
 
 
50
 
 
2,007
 
 
1,546
 
 
44
 
CRE Non Owner Occupied
 
 
644
 
 
584
 
 
42
 
 
651
 
 
593
 
 
28
 
Agriculture Land
 
 
287
 
 
284
 
 
32
 
 
293
 
 
292
 
 
14
 
Other CRE
 
 
916
 
 
718
 
 
40
 
 
909
 
 
708
 
 
32
 
Total Commercial Real Estate
 
 
3,924
 
 
3,202
 
 
164
 
 
3,860
 
 
3,139
 
 
118
 
Construction
 
 
-
 
 
-
 
 
-
 
 
-
 
 
-
 
 
-
 
Commercial Working Capital
 
 
458
 
 
461
 
 
62
 
 
447
 
 
449
 
 
77
 
Commercial Other
 
 
293
 
 
295
 
 
21
 
 
854
 
 
858
 
 
110
 
Total Commercial
 
 
751
 
 
756
 
 
83
 
 
1,301
 
 
1,307
 
 
187
 
Home Equity and Home Improvement
 
 
898
 
 
894
 
 
312
 
 
596
 
 
592
 
 
279
 
Consumer Finance
 
 
-
 
 
-
 
 
-
 
 
8
 
 
8
 
 
-
 
Total loans with an allowance recorded
 
$
8,818
 
$
8,080
 
$
779
 
$
8,812
 
$
8,060
 
$
758
 
 
* 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:
 
 
 
March 31,
2018
 
December 31,
2017
 
 
 
 
 
 
 
 
 
 
 
(In Thousands)
 
Non-accrual loans
 
$
27,925
 
$
30,715
 
Loans over 90 days past due and still accruing
 
 
-
 
 
-
 
Total non-performing loans
 
 
27,925
 
 
30,715
 
Real estate and other assets held for sale
 
 
1,440
 
 
1,532
 
Total non-performing assets
 
$
29,365
 
$
32,247
 
Troubled debt restructuring, still accruing
 
$
13,722
 
$
13,770
 
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 March 31, 2018, by class of loans (In Thousands):
 
 
 
Current
 
30-59 days
 
60-89 days
 
90+ days
 
Total
Past Due
 
Total 
Non
- Accrual
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential Owner Occupied
 
$
177,799
 
$
537
 
$
259
 
$
933
 
$
1,729
 
$
2,111
 
Residential Non Owner Occupied
 
 
96,275
 
 
76
 
 
-
 
 
97
 
 
173
 
 
342
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total 1-4 Family Residential Real Estate
 
 
274,074
 
 
613
 
 
259
 
 
1,030
 
 
1,902
 
 
2,453
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Multi-Family Residential Real Estate
 
 
271,087
 
 
-
 
 
-
 
 
-
 
 
-
 
 
124
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CRE Owner Occupied
 
 
407,019
 
 
592
 
 
76
 
 
847
 
 
1,515
 
 
10,170
 
CRE Non Owner Occupied
 
 
424,247
 
 
1,074
 
 
29
 
 
263
 
 
1,366
 
 
2,164
 
Agriculture Land
 
 
130,940
 
 
82
 
 
-
 
 
208
 
 
290
 
 
4,275
 
Other Commercial Real Estate
 
 
48,868
 
 
13
 
 
-
 
 
99
 
 
112
 
 
611
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total Commercial Real Estate
 
 
1,011,074
 
 
1,761
 
 
105
 
 
1,417
 
 
3,283
 
 
17,220
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction
 
 
140,221
 
 
-
 
 
-
 
 
-
 
 
-
 
 
-
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial Working Capital
 
 
229,844
 
 
209
 
 
-
 
 
100
 
 
309
 
 
3,550
 
Commercial Other
 
 
271,422
 
 
49
 
 
-
 
 
638
 
 
687
 
 
3,620
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total Commercial
 
 
501,266
 
 
258
 
 
-
 
 
738
 
 
996
 
 
7,170
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Home Equity/Home Improvement
 
 
133,552
 
 
29
 
 
7
 
 
582
 
 
618
 
 
909
 
Consumer Finance
 
 
27,764
 
 
199
 
 
96
 
 
39
 
 
334
 
 
39
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total Loans
 
$
2,359,038
 
$
2,860
 
$
467
 
$
3,806
 
$
7,133
 
$
27,915
 
 
The following table presents the aging of the recorded investment in past due and non-accrual loans as of December 31, 2017, by class of loans (In Thousands):
 
 
 
Current
 
30-59 days
 
60-89 days
 
90+ days
 
Total 
Past Due
 
Total 
Non-
Accrual
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential Owner Occupied
 
$
175,139
 
$
821
 
$
1,033
 
$
1,227
 
$
3,081
 
$
2,510
 
Residential Non Owner Occupied
 
 
96,400
 
 
495
 
 
8
 
 
233
 
 
736
 
 
520
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total 1-4 Family Residential Real Estate
 
 
271,539
 
 
1,316
 
 
1,041
 
 
1,460
 
 
3,817
 
 
3,030
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Multi-Family Residential Real Estate
 
 
247,980
 
 
422
 
 
-
 
 
-
 
 
422
 
 
128
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CRE Owner Occupied
 
 
393,125
 
 
195
 
 
188
 
 
1,268
 
 
1,651
 
 
10,775
 
CRE Non Owner Occupied
 
 
403,656
 
 
1
 
 
91
 
 
424
 
 
516
 
 
2,431
 
Agriculture Land
 
 
131,753
 
 
412
 
 
-
 
 
66
 
 
478
 
 
4,144
 
Other Commercial Real Estate
 
 
58,784
 
 
13
 
 
-
 
 
204
 
 
217
 
 
734
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total Commercial Real Estate
 
 
987,318
 
 
621
 
 
279
 
 
1,962
 
 
2,862
 
 
18,084
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction
 
 
149,174
 
 
-
 
 
-
 
 
-
 
 
-
 
 
-
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial Working Capital
 
 
233,632
 
 
102
 
 
1,264
 
 
876
 
 
2,242
 
 
2,369
 
Commercial Other
 
 
291,455
 
 
82
 
 
-
 
 
517
 
 
599
 
 
6,474
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total Commercial
 
 
525,087
 
 
184
 
 
1,264
 
 
1,393
 
 
2,841
 
 
8,843
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Home Equity and Home Improvement
 
 
133,144
 
 
2,490
 
 
434
 
 
206
 
 
3,130
 
 
591
 
Consumer Finance
 
 
28,800
 
 
293
 
 
80
 
 
2
 
 
375
 
 
27
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total Loans
 
$
2,343,042
 
$
5,326
 
$
3,098
 
$
5,023
 
$
13,447
 
$
30,703
 
Troubled Debt Restructurings on Financing Receivables [Table Text Block]
The following table present loans by class modified as TDRs that occurred during the three month periods ending March 31, 2018, and March 31, 2017:
 
 
 
Loans Modified as a TDR for the Three
Months Ended March 31, 2018
($ in thousands)
 
Loans Modified as a TDR for the Three
Months Ended March 31, 2017
($ 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
 
 
3
 
$
145
 
 
4
 
$
100
 
1-4 Family Non Owner Occupied
 
 
1
 
 
69
 
 
2
 
 
84
 
Multi Family
 
 
0
 
 
-
 
 
0
 
 
-
 
CRE Owner Occupied
 
 
2
 
 
650
 
 
1
 
 
119
 
CRE Non Owner Occupied
 
 
0
 
 
-
 
 
0
 
 
-
 
Agriculture Land
 
 
0
 
 
-
 
 
0
 
 
-
 
Other CRE
 
 
0
 
 
-
 
 
0
 
 
-
 
Commercial Working Capital
 
 
4
 
 
2,114
 
 
0
 
 
-
 
Commercial Other
 
 
0
 
 
-
 
 
1
 
 
46
 
Home Equity and Improvement
 
 
0
 
 
-
 
 
1
 
 
25
 
Consumer Finance
 
 
0
 
 
-
 
 
2
 
 
15
 
Total
 
 
10
 
$
2,978
 
 
11
 
$
389
 
Troubled Debt Restructurings on Payments [Table Text Block]
The following table present loans by class modified as TDRs for which there was a payment default within twelve months following the modification during the three month period ended March 31, 2018, and March 31, 2017:
 
 
 
Three Months Ended March 31, 2018
($ in thousands)
 
Three Months Ended March 31, 2017
($ 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
 
 
-
 
 
0
 
 
-
 
CRE Owner Occupied
 
 
0
 
 
-
 
 
0
 
 
-
 
CRE Non Owner Occupied
 
 
0
 
 
-
 
 
0
 
 
-
 
Agriculture Land
 
 
0
 
 
-
 
 
0
 
 
-
 
Other CRE
 
 
0
 
 
-
 
 
0
 
 
-
 
Commercial Working Capital or Other
 
 
0
 
 
-
 
 
0
 
 
-
 
Commercial Other
 
 
1
 
 
197
 
 
0
 
 
-
 
Home Equity and Improvement
 
 
0
 
 
-
 
 
0
 
 
-
 
Consumer Finance
 
 
0
 
 
-
 
 
0
 
 
-
 
Total
 
 
1
 
$
197
 
 
0
 
$
-
 
Financing Receivable Credit Quality Indicators [Table Text Block]
As of March 31, 2018, 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
 
$
6,764
 
$
96
 
$
2,387
 
$
-
 
$
170,282
 
$
179,529
 
1-4 Family Non Owner Occupied
 
 
84,434
 
 
1,280
 
 
3,385
 
 
-
 
 
7,348
 
 
96,447
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total 1-4 Family Real Estate
 
 
91,198
 
 
1,376
 
 
5,772
 
 
-
 
 
177,630
 
 
275,976
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Multi-Family Residential Real Estate
 
 
266,216
 
 
2,063
 
 
2,698
 
 
-
 
 
110
 
 
271,087
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CRE Owner Occupied
 
 
384,271
 
 
11,521
 
 
13,100
 
 
-
 
 
125
 
 
409,017
 
CRE Non Owner Occupied
 
 
412,587
 
 
7,425
 
 
5,119
 
 
-
 
 
-
 
 
425,131
 
Agriculture Land
 
 
109,860
 
 
7,896
 
 
13,473
 
 
-
 
 
-
 
 
131,229
 
Other CRE
 
 
46,014
 
 
159
 
 
1,664
 
 
-
 
 
1,143
 
 
48,980
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total Commercial Real Estate
 
 
952,732
 
 
27,001
 
 
33,356
 
 
-
 
 
1,268
 
 
1,014,357
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction
 
 
119,950
 
 
1,153
 
 
-
 
 
-
 
 
19,118
 
 
140,221
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial Working Capital
 
 
206,697
 
 
18,428
 
 
5,028
 
 
-
 
 
-
 
 
230,153
 
Commercial Other
 
 
263,830
 
 
2,831
 
 
5,448
 
 
-
 
 
-
 
 
272,109
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total Commercial
 
 
470,527
 
 
21,259
 
 
10,476
 
 
-
 
 
-
 
 
502,262
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Home Equity and Home Improvement
 
 
-
 
 
-
 
 
931
 
 
-
 
 
133,239
 
 
134,170
 
Consumer Finance
 
 
-
 
 
-
 
 
128
 
 
-
 
 
27,970
 
 
28,098
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total Loans
 
$
1,900,623
 
$
52,852
 
$
53,361
 
$
-
 
$
359,335
 
$
2,366,171
 
 
As of December 31, 2017, 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
 
$
7,534
 
$
99
 
$
2,367
 
$
-
 
$
168,220
 
$
178,220
 
Residential Non Owner Occupied
 
 
85,802
 
 
935
 
 
3,835
 
 
-
 
 
6,564
 
 
97,136
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total 1-4 Family Real Estate
 
 
93,336
 
 
1,034
 
 
6,202
 
 
-
 
 
174,784
 
 
275,356
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Multi-Family Residential Real Estate
 
 
242,969
 
 
2,503
 
 
2,819
 
 
-
 
 
111
 
 
248,402
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CRE Owner Occupied
 
 
370,613
 
 
10,432
 
 
13,575
 
 
-
 
 
156
 
 
394,776
 
CRE Non Owner Occupied
 
 
395,264
 
 
3,464
 
 
5,444
 
 
-
 
 
-
 
 
404,172
 
Agriculture Land
 
 
114,776
 
 
2,639
 
 
14,816
 
 
-
 
 
-
 
 
132,231
 
Other CRE
 
 
56,133
 
 
165
 
 
1,788
 
 
-
 
 
915
 
 
59,001
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total Commercial Real Estate
 
 
936,786
 
 
16,700
 
 
35,623
 
 
-
 
 
1,071
 
 
990,180
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction
 
 
125,519
 
 
1,254
 
 
-
 
 
-
 
 
22,401
 
 
149,174
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial Working Capital
 
 
222,526
 
 
7,605
 
 
5,743
 
 
-
 
 
-
 
 
235,874
 
Commercial Other
 
 
280,013
 
 
3,443
 
 
8,598
 
 
-
 
 
-
 
 
292,054
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total Commercial
 
 
502,539
 
 
11,048
 
 
14,341
 
 
-
 
 
-
 
 
527,928
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Home Equity and Home Improvement
 
 
-
 
 
-
 
 
600
 
 
-
 
 
135,674
 
 
136,274
 
Consumer Finance
 
 
-
 
 
-
 
 
82
 
 
-
 
 
29,093
 
 
29,175
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total Loans
 
$
1,901,149
 
$
32,539
 
$
59,667
 
$
-
 
$
363,134
 
$
2,356,489
 
Schedule of Deterioration of Credit Quality Contractual Purchased Loans [Table Text Block]
The Company has purchased loans, for which there was, at acquisition, evidence of deterioration of credit quality since origination and it was probable, at acquisition, that all contractually required payments would not be collected. The outstanding balance of those loans is as follows (In Thousands):
 
 
 
March 31, 2018
 
December 31, 2017
 
1-4 Family Residential Real Estate
 
$
1,124
 
$
1,154
 
Multi-Family Residential Real Estate
 
 
307
 
 
309
 
Commercial Real Estate Loans
 
 
2,833
 
 
2,921
 
Commercial
 
 
389
 
 
407
 
Consumer
 
 
1
 
 
2
 
Total Outstanding Balance
 
$
4,654
 
$
4,793
 
Recorded Investment, net of allowance of $0
 
$
3,687
 
$
3,828
 
Certain Loans Acquired in Transfer Accounted for as Debt Securities, Acquired During Period, Contractually Required Payments [Table Text Block]
Accretable yield, or income expected to be collected, is as follows:
 
 
 
2018
 
2017
 
 
 
 
 
 
 
 
 
Balance at January 1
 
$
804
 
$
-
 
 
 
 
 
 
 
 
 
New Loans Purchased
 
 
-
 
 
1,034
 
Accretion of Income
 
 
(15)
 
 
-
 
Reclassification from Non-accretable
 
 
-
 
 
-
 
Charge-off of Accretable Yield
 
 
-
 
 
-
 
Balance at March 31
 
$
789
 
$
1,034
 
Schedule of Contractually Required Payments Receivable of Loans Purchased with Evidence of Credit Deterioration [Table Text Block]
Contractually required payments receivable of loans purchased with evidence of credit deterioration during the period ended March 31, 2017, using information as of the date of acquisition are included in the table below. There were no such loans purchased during the period ended March 31, 2018. (In Thousands)
 
1-4 Family Residential Real Estate
 
$
1,720
 
Commercial Real Estate
 
 
4,724
 
Commercial
 
 
785
 
Consumer
 
 
4
 
Total
 
$
7,233