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Loans (Tables)
6 Months Ended
Jun. 30, 2018
Loans Receivable, Net [Abstract]  
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]
Loans receivable consist of the following:
 
 
 
June 30,
2018
 
 
December 31,
2017
 
 
 
(In Thousands)
 
Real Estate:
 
 
 
 
 
 
 
 
Secured by 1-4 family residential
 
$
307,480
 
 
$
274,862
 
Secured by multi-family residential
 
 
257,418
 
 
 
248,092
 
Secured by commercial real estate
 
 
1,026,280
 
 
 
987,129
 
Construction
 
 
283,911
 
 
 
265,476
 
 
 
 
1,875,089
 
 
 
1,775,559
 
Other Loans:
 
 
 
 
 
 
 
 
Commercial
 
 
489,296
 
 
 
526,142
 
Home equity and improvement
 
 
129,868
 
 
 
135,457
 
Consumer finance
 
 
29,724
 
 
 
29,109
 
 
 
 
648,888
 
 
 
690,708
 
Total loans
 
 
2,523,977
 
 
 
2,466,267
 
Deduct:
 
 
 
 
 
 
 
 
Undisbursed loan funds
 
 
(136,563
)
 
 
(115,972
)
Net deferred loan origination fees and costs
 
 
(2,070
)
 
 
(1,582
)
Allowance for loan loss
 
 
(27,321
)
 
 
(26,683
)
Totals
 
$
2,358,023
 
 
$
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 June 30, 2018 and 2017 by portfolio segment (In Thousands):
 
Quarter Ended June 30, 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
 
$
2,534
 
 
$
2,983
 
 
$
10,773
 
 
$
667
 
 
$
7,838
 
 
$
2,209
 
 
$
263
 
 
$
27,267
 
Charge-Offs
 
 
(78
)
 
 
0
 
 
 
(254
)
 
 
0
 
 
 
(84
)
 
 
(41
)
 
 
(72
)
 
 
(529
)
Recoveries
 
 
34
 
 
 
2
 
 
 
26
 
 
 
0
 
 
 
30
 
 
 
57
 
 
 
11
 
 
 
160
 
Provisions
 
 
192
 
 
 
(72
)
 
 
708
 
 
 
70
 
 
 
(329
)
 
 
(193
)
 
 
47
 
 
 
423
 
Ending Allowance
 
$
2,682
 
 
$
2,913
 
 
$
11,253
 
 
$
737
 
 
$
7,455
 
 
$
2,032
 
 
$
249
 
 
$
27,321
 
 
Quarter Ended June 30, 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
 
$
2,621
 
 
$
2,122
 
 
$
10,210
 
 
$
458
 
 
$
7,809
 
 
$
2,300
 
 
$
229
 
 
$
25,749
 
Charge-Offs
 
 
0
 
 
 
0
 
 
 
(110
)
 
 
0
 
 
 
(2,027
)
 
 
(100
)
 
 
(21
)
 
 
(2,258
)
Recoveries
 
 
33
 
 
 
0
 
 
 
83
 
 
 
0
 
 
 
94
 
 
 
26
 
 
 
70
 
 
 
306
 
Provisions
 
 
(13
)
 
 
71
 
 
 
(47
)
 
 
82
 
 
 
2,097
 
 
 
(27
)
 
 
(45
)
 
 
2,118
 
Ending Allowance
 
$
2,641
 
 
$
2,193
 
 
$
10,136
 
 
$
540
 
 
$
7,973
 
 
$
2,199
 
 
$
233
 
 
$
25,915
 
 
The following table discloses allowance for loan loss activity for the year-to-date periods ended June 30, 2018 and June 30, 2017 by portfolio segment (In Thousands):
 
Year-to-date Period Ended


June 30, 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
 
 
(94
)
 
 
0
 
 
 
(309
)
 
 
0
 
 
 
(181
)
 
 
(158
)
 
 
(103
)
 
 
(845
)
Recoveries
 
 
58
 
 
 
2
 
 
 
210
 
 
 
0
 
 
 
1,787
 
 
 
85
 
 
 
13
 
 
 
2,155
 
Provisions
 
 
186
 
 
 
209
 
 
 
998
 
 
 
90
 
 
 
(2,116
)
 
 
(150
)
 
 
111
 
 
 
(672
)
Ending Allowance
 
$
2,682
 
 
$
2,913
 
 
$
11,253
 
 
$
737
 
 
$
7,455
 
 
$
2,032
 
 
$
249
 
 
$
27,321
 
 
Year-to-date Period Ended


June 30, 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
 
 
 
(400
)
 
 
0
 
 
 
(2,027
)
 
 
(154
)
 
 
(92
)
 
 
(2,722
)
Recoveries
 
 
89
 
 
 
32
 
 
 
117
 
 
 
0
 
 
 
210
 
 
 
59
 
 
 
74
 
 
 
581
 
Provisions
 
 
(26
)
 
 
(67
)
 
 
(206
)
 
 
90
 
 
 
2,429
 
 
 
(92
)
 
 
44
 
 
 
2,172
 
Ending Allowance
 
$
2,641
 
 
$
2,193
 
 
$
10,136
 
 
$
540
 
 
$
7,973
 
 
$
2,199
 
 
$
233
 
 
$
25,915
 
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 June 30, 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
 
$
192
 
 
$
2
 
 
$
246
 
 
$
-
 
 
$
136
 
 
$
240
 
 
$
-
 
 
$
816
 
Collectively evaluated for impairment
 
 
2,490
 
 
 
2,911
 
 
 
11,007
 
 
 
737
 
 
 
7,319
 
 
 
1,792
 
 
 
249
 
 
 
26,505
 
Acquired with deteriorated credit quality
 
 
-
 
 
 
-
 
 
 
-
 
 
 
-
 
 
 
-
 
 
 
-
 
 
 
-
 
 
 
-
 
Total ending allowance balance
 
$
2,682
 
 
$
2,913
 
 
$
11,253
 
 
$
737
 
 
$
7,455
 
 
$
2,032
 
 
$
249
 
 
$
27,321
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans individually evaluated for impairment
 
$
7,094
 
 
$
1,597
 
 
$
26,452
 
 
$
-
 
 
$
12,171
 
 
$
1,012
 
 
$
33
 
 
$
48,359
 
Loans collectively evaluated for impairment
 
 
299,838
 
 
 
255,819
 
 
 
1,001,227
 
 
 
146,794
 
 
 
478,614
 
 
 
129,697
 
 
 
29,773
 
 
 
2,341,762
 
Loans acquired with deteriorated credit quality
 
 
1,028
 
 
 
299
 
 
 
2,001
 
 
 
-
 
 
 
243
 
 
 
-
 
 
 
-
 
 
 
3,571
 
Total ending loans balance
 
$
307,960
 
 
$
257,715
 
 
$
1,029,680
 
 
$
146,794
 
 
$
491,028
 
 
$
130,709
 
 
$
29,806
 
 
$
2,393,692
 
 
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 June 30, 2018
 
 
Six Months Ended June 30, 2018
 
 
 
Average

Balance
 
 
Interest

Income

Recognized
 
 
Cash Basis

Income

Recognized
 
 
Average

Balance
 
 
Interest

Income

Recognized
 
 
Cash Basis

Income

Recognized
 
Residential Owner Occupied
 
$
4,598
 
 
$
40
 
 
$
38
 
 
$
4,619
 
 
$
72
 
 
$
69
 
Residential Non Owner Occupied
 
 
2,392
 
 
 
30
 
 
 
30
 
 
 
2,450
 
 
 
74
 
 
 
71
 
Total Residential Real Estate
 
 
6,990
 
 
 
70
 
 
 
68
 
 
 
7,069
 
 
 
146
 
 
 
140
 
Construction
 
 
-
 
 
 
-
 
 
 
-
 
 
 
-
 
 
 
-
 
 
 
-
 
Multi-Family
 
 
1,600
 
 
 
22
 
 
 
22
 
 
 
1,825
 
 
 
49
 
 
 
48
 
CRE Owner Occupied
 
 
8,352
 
 
 
78
 
 
 
72
 
 
 
10,789
 
 
 
122
 
 
 
107
 
CRE Non Owner Occupied
 
 
2,642
 
 
 
23
 
 
 
23
 
 
 
3,062
 
 
 
57
 
 
 
57
 
Agriculture Land
 
 
14,478
 
 
 
155
 
 
 
110
 
 
 
12,997
 
 
 
250
 
 
 
152
 
Other CRE
 
 
1,329
 
 
 
25
 
 
 
22
 
 
 
1,407
 
 
 
50
 
 
 
42
 
Total Commercial Real Estate
 
 
26,801
 
 
 
281
 
 
 
227
 
 
 
28,255
 
 
 
479
 
 
 
358
 
Commercial Working Capital
 
 
8,788
 
 
 
81
 
 
 
72
 
 
 
6,998
 
 
 
105
 
 
 
96
 
Commercial Other
 
 
3,046
 
 
 
29
 
 
 
29
 
 
 
4,073
 
 
 
54
 
 
 
52
 
Total Commercial
 
 
11,834
 
 
 
110
 
 
 
101
 
 
 
11,071
 
 
 
159
 
 
 
148
 
Home Equity and Improvement
 
 
1,019
 
 
 
9
 
 
 
9
 
 
 
1,247
 
 
 
20
 
 
 
20
 
Consumer Finance
 
 
35
 
 
 
1
 
 
 
1
 
 
 
37
 
 
 
2
 
 
 
2
 
Total Impaired Loans
 
$
48,279
 
 
$
493
 
 
$
428
 
 
$
49,504
 
 
$
855
 
 
$
716
 
 
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 June 30, 2017
 
 
Six Months Ended June 30, 2017
 
 
 
Average

Balance
 
 
Interest

Income

Recognized
 
 
Cash Basis

Income

Recognized
 
 
Average

Balance
 
 
Interest

Income

Recognized
 
 
Cash Basis

Income

Recognized
 
Residential Owner Occupied
 
$
4,088
 
 
$
34
 
 
$
34
 
 
$
3,454
 
 
$
62
 
 
$
62
 
Residential Non Owner Occupied
 
 
2,813
 
 
 
35
 
 
 
35
 
 
 
3,352
 
 
 
71
 
 
 
71
 
Total Residential Real Estate
 
 
6,901
 
 
 
69
 
 
 
69
 
 
 
6,806
 
 
 
133
 
 
 
133
 
Construction
 
 
-
 
 
 
-
 
 
 
-
 
 
 
-
 
 
 
-
 
 
 
-
 
Multi-Family
 
 
2,144
 
 
 
9
 
 
 
9
 
 
 
2,759
 
 
 
19
 
 
 
19
 
CRE Owner Occupied
 
 
12,098
 
 
 
24
 
 
 
24
 
 
 
8,356
 
 
 
46
 
 
 
48
 
CRE Non Owner Occupied
 
 
3,552
 
 
 
31
 
 
 
30
 
 
 
4,026
 
 
 
73
 
 
 
67
 
Agriculture Land
 
 
9,903
 
 
 
140
 
 
 
63
 
 
 
6,305
 
 
 
187
 
 
 
82
 
Other CRE
 
 
1,654
 
 
 
10
 
 
 
8
 
 
 
1,661
 
 
 
23
 
 
 
20
 
Total Commercial Real Estate
 
 
27,207
 
 
 
205
 
 
 
125
 
 
 
20,348
 
 
 
329
 
 
 
217
 
Commercial Working Capital
 
 
5,939
 
 
 
29
 
 
 
29
 
 
 
4,156
 
 
 
48
 
 
 
52
 
Commercial Other
 
 
7,731
 
 
 
30
 
 
 
21
 
 
 
4,726
 
 
 
51
 
 
 
33
 
Total Commercial
 
 
13,670
 
 
 
59
 
 
 
50
 
 
 
8,882
 
 
 
99
 
 
 
85
 
Home Equity and Improvement
 
 
1,223
 
 
 
11
 
 
 
11
 
 
 
1,239
 
 
 
21
 
 
 
21
 
Consumer Finance
 
 
58
 
 
 
1
 
 
 
1
 
 
 
66
 
 
 
2
 
 
 
3
 
Total Impaired Loans
 
$
51,203
 
 
$
354
 
 
$
265
 
 
$
40,100
 
 
$
603
 
 
$
478
 
Impaired Financing Receivables [Table Text Block]
The following table presents loans individually evaluated for impairment by class of loans (In Thousands):
 
 
 
June 30, 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
 
$
765
 
 
$
640
 
 
$
-
 
 
$
2,507
 
 
$
2,364
 
 
$
-
 
Residential Non Owner Occupied
 
 
1,011
 
 
 
1,015
 
 
 
-
 
 
 
1,711
 
 
 
1,708
 
 
 
-
 
Total 1-4 Family Residential Real Estate
 
 
1,776
 
 
 
1,655
 
 
 
-
 
 
 
4,218
 
 
 
4,072
 
 
 
-
 
Multi-Family Residential Real Estate
 
 
1,547
 
 
 
1,552
 
 
 
-
 
 
 
2,095
 
 
 
2,102
 
 
 
-
 
CRE Owner Occupied
 
 
6,618
 
 
 
6,353
 
 
 
-
 
 
 
12,273
 
 
 
11,804
 
 
 
-
 
CRE Non Owner Occupied
 
 
2,203
 
 
 
2,039
 
 
 
-
 
 
 
3,085
 
 
 
2,925
 
 
 
-
 
Agriculture Land
 
 
12,370
 
 
 
12,493
 
 
 
-
 
 
 
13,029
 
 
 
13,185
 
 
 
-
 
Other CRE
 
 
482
 
 
 
488
 
 
 
-
 
 
 
981
 
 
 
768
 
 
 
-
 
Total Commercial Real Estate
 
 
21,673
 
 
 
21,373
 
 
 
-
 
 
 
29,368
 
 
 
28,682
 
 
 
-
 
Construction
 
 
-
 
 
 
-
 
 
 
-
 
 
 
-
 
 
 
-
 
 
 
-
 
Commercial Working Capital
 
 
7,957
 
 
 
7,986
 
 
 
-
 
 
 
5,462
 
 
 
5,422
 
 
 
-
 
Commercial Other
 
 
2,743
 
 
 
2,754
 
 
 
-
 
 
 
9,916
 
 
 
7,644
 
 
 
-
 
Total Commercial
 
 
10,700
 
 
 
10,740
 
 
 
-
 
 
 
15,378
 
 
 
13,066
 
 
 
-
 
Home Equity and Home Improvement
 
 
-
 
 
 
-
 
 
 
-
 
 
 
630
 
 
 
584
 
 
 
-
 
Consumer Finance
 
 
33
 
 
 
33
 
 
 
-
 
 
 
42
 
 
 
42
 
 
 
-
 
Total loans with no allowance recorded
 
$
35,729
 
 
$
35,353
 
 
$
-
 
 
$
51,731
 
 
$
48,548
 
 
$
-
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
With an allowance recorded:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential Owner Occupied
 
$
4,142
 
 
$
4,104
 
 
$
166
 
 
$
1,841
 
 
$
1,814
 
 
$
137
 
Residential Non Owner Occupied
 
 
1,330
 
 
 
1,335
 
 
 
26
 
 
 
1,031
 
 
 
1,024
 
 
 
30
 
Total 1-4 Family Residential Real Estate
 
 
5,472
 
 
 
5,439
 
 
 
192
 
 
 
2,872
 
 
 
2,838
 
 
 
167
 
Multi-Family Residential Real Estate
 
 
45
 
 
 
45
 
 
 
2
 
 
 
175
 
 
 
176
 
 
 
7
 
CRE Owner Occupied
 
 
2,326
 
 
 
1,842
 
 
 
29
 
 
 
2,007
 
 
 
1,546
 
 
 
44
 
CRE Non Owner Occupied
 
 
632
 
 
 
572
 
 
 
24
 
 
 
651
 
 
 
593
 
 
 
28
 
Agriculture Land
 
 
1,877
 
 
 
1,914
 
 
 
160
 
 
 
293
 
 
 
292
 
 
 
14
 
Other CRE
 
 
1,164
 
 
 
751
 
 
 
33
 
 
 
909
 
 
 
708
 
 
 
32
 
Total Commercial Real Estate
 
 
5,999
 
 
 
5,079
 
 
 
246
 
 
 
3,860
 
 
 
3,139
 
 
 
118
 
Construction
 
 
-
 
 
 
-
 
 
 
-
 
 
 
-
 
 
 
-
 
 
 
-
 
Commercial Working Capital
 
 
1,080
 
 
 
1,000
 
 
 
65
 
 
 
447
 
 
 
449
 
 
 
77
 
Commercial Other
 
 
428
 
 
 
431
 
 
 
71
 
 
 
854
 
 
 
858
 
 
 
110
 
Total Commercial
 
 
1,508
 
 
 
1,431
 
 
 
136
 
 
 
1,301
 
 
 
1,307
 
 
 
187
 
Home Equity and Home Improvement
 
 
1,089
 
 
 
1,012
 
 
 
240
 
 
 
596
 
 
 
592
 
 
 
279
 
Consumer Finance
 
 
-
 
 
 
-
 
 
 
-
 
 
 
8
 
 
 
8
 
 
 
-
 
Total loans with an allowance recorded
 
$
14,113
 
 
$
13,006
 
 
$
816
 
 
$
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:
 
 
 
June 30,
2018
 
 
December 31,

2017
 
 
 
(In Thousands)
 
Non-accrual loans
 
$
18,340
 
 
$
30,715
 
Loans over 90 days past due and still accruing
 
 
-
 
 
 
-
 
Total non-performing loans
 
 
18,340
 
 
 
30,715
 
Real estate and other assets held for sale
 
 
1,795
 
 
 
1,532
 
Total non-performing assets
 
$
20,135
 
 
$
32,247
 
Troubled debt restructuring, still accruing
 
$
15,834
 
 
$
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 June 30, 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
 
$
188,204
 
 
$
651
 
 
$
1,151
 
 
$
800
 
 
$
2,602
 
 
$
2,115
 
Residential Non Owner Occupied
 
 
117,030
 
 
 
-
 
 
 
85
 
 
 
39
 
 
 
124
 
 
 
290
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total 1-4 Family Residential Real Estate
 
 
305,234
 
 
 
651
 
 
 
1,236
 
 
 
839
 
 
 
2,726
 
 
 
2,405
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Multi-Family Residential Real Estate
 
 
257,715
 
 
 
-
 
 
 
-
 
 
 
-
 
 
 
-
 
 
 
121
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CRE Owner Occupied
 
 
397,067
 
 
 
-
 
 
 
-
 
 
 
343
 
 
 
343
 
 
 
2,348
 
CRE Non Owner Occupied
 
 
452,580
 
 
 
9
 
 
 
-
 
 
 
231
 
 
 
240
 
 
 
1,995
 
Agriculture Land
 
 
126,048
 
 
 
1,238
 
 
 
310
 
 
 
1,987
 
 
 
3,535
 
 
 
5,438
 
Other Commercial Real Estate
 
 
49,832
 
 
 
-
 
 
 
-
 
 
 
35
 
 
 
35
 
 
 
336
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total Commercial Real Estate
 
 
1,025,527
 
 
 
1,247
 
 
 
310
 
 
 
2,596
 
 
 
4,153
 
 
 
10,117
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction
 
 
146,794
 
 
 
-
 
 
 
-
 
 
 
-
 
 
 
-
 
 
 
-
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial Working Capital
 
 
213,350
 
 
 
584
 
 
 
2,097
 
 
 
310
 
 
 
2,991
 
 
 
3,825
 
Commercial Other
 
 
273,887
 
 
 
165
 
 
 
30
 
 
 
605
 
 
 
800
 
 
 
1,324
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total Commercial
 
 
487,237
 
 
 
749
 
 
 
2,127
 
 
 
915
 
 
 
3,791
 
 
 
5,149
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Home Equity/Home Improvement
 
 
129,357
 
 
 
1,134
 
 
 
70
 
 
 
148
 
 
 
1,352
 
 
 
479
 
Consumer Finance
 
 
29,519
 
 
 
191
 
 
 
32
 
 
 
64
 
 
 
287
 
 
 
66
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total Loans
 
$
2,381,383
 
 
$
3,972
 
 
$
3,775
 
 
$
4,562
 
 
$
12,309
 
 
$
18,337
 
  
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 tables present loans by class modified as TDRs that occurred during the three and six month periods ending June 30, 2018, and June 30, 2017:
 
 
 
Loans Modified as a TDR for the Three

Months Ended June 30, 2018

($ in thousands)
 
 
Loans Modified as a TDR for the Six

Months Ended June 30, 2018

($ 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
 
 
9
 
 
$
481
 
 
 
12
 
 
$
624
 
1-4 Family Non Owner Occupied
 
 
1
 
 
 
75
 
 
 
2
 
 
 
142
 
Multi Family
 
 
0
 
 
 
-
 
 
 
0
 
 
 
-
 
CRE Owner Occupied
 
 
5
 
 
 
1,554
 
 
 
7
 
 
 
2,181
 
CRE Non Owner Occupied
 
 
1
 
 
 
47
 
 
 
1
 
 
 
47
 
Agriculture Land
 
 
0
 
 
 
-
 
 
 
0
 
 
 
-
 
Other CRE
 
 
0
 
 
 
-
 
 
 
0
 
 
 
-
 
Commercial Working Capital
 
 
1
 
 
 
150
 
 
 
5
 
 
 
2,816
 
Commercial Other
 
 
0
 
 
 
-
 
 
 
0
 
 
 
-
 
Home Equity and Improvement
 
 
2
 
 
 
20
 
 
 
2
 
 
 
20
 
Consumer Finance
 
 
0
 
 
 
-
 
 
 
0
 
 
 
-
 
Total
 
 
19
 
 
$
2,327
 
 
 
29
 
 
$
5,830
 
 
The loans described above decreased the allowance for loan and lease losses (“ALLL”) by $16,000 in the three month period ending June 30, 2018 and decreased the ALLL by $21,000 in the six month period ending June 30, 2018.
 
 
 
Loans Modified as a TDR for the Three

Months Ended June 30, 2017

($ in thousands)
 
 
Loans Modified as a TDR for the Six

Months Ended June 30, 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
 
 
4
 
 
$
413
 
 
 
8
 
 
$
512
 
1-4 Family Non Owner Occupied
 
 
1
 
 
 
23
 
 
 
3
 
 
 
106
 
Multi Family
 
 
0
 
 
 
-
 
 
 
0
 
 
 
-
 
CRE Owner Occupied
 
 
0
 
 
 
-
 
 
 
1
 
 
 
117
 
CRE Non Owner Occupied
 
 
0
 
 
 
-
 
 
 
0
 
 
 
-
 
Agriculture Land
 
 
2
 
 
 
1,450
 
 
 
2
 
 
 
1,450
 
Other CRE
 
 
2
 
 
 
196
 
 
 
2
 
 
 
196
 
Commercial Working Capital
 
 
5
 
 
 
2,563
 
 
 
5
 
 
 
2,563
 
Commercial Other
 
 
3
 
 
 
3,467
 
 
 
4
 
 
 
3,513
 
Home Equity and Improvement
 
 
1
 
 
 
57
 
 
 
2
 
 
 
82
 
Consumer Finance
 
 
0
 
 
 
-
 
 
 
2
 
 
 
5
 
Total
 
 
18
 
 
$
8,169
 
 
 
29
 
 
$
8,544
 
Troubled Debt Restructurings on Payments [Table Text Block]
The following tables present loans by class modified as TDRs for which there was a payment default within twelve months following the modification during the three and six month periods ended June 30, 2018, and June 30, 2017:
 
 
 
Three Months Ended June 30, 2018

($ in thousands)
 
 
Six Months Ended June 30, 2018

($ 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
 
 
0
 
 
 
-
 
 
 
1
 
 
 
196
 
Home Equity and Improvement
 
 
0
 
 
 
-
 
 
 
0
 
 
 
-
 
Consumer Finance
 
 
0
 
 
 
-
 
 
 
0
 
 
 
-
 
Total
 
 
-
 
 
$
-
 
 
 
1
 
 
$
196
 
 
The TDRs that subsequently defaulted described above had no effect on the ALLL for the three and six month period ended June 30, 2018.
 
 
 
Three Months Ended June 30, 2017

($ in thousands)
 
 
Six Months Ended June 30, 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
 
 
1
 
 
 
225
 
 
 
1
 
 
 
225
 
Commercial Other
 
 
0
 
 
 
-
 
 
 
0
 
 
 
-
 
Home Equity and Improvement
 
 
0
 
 
 
-
 
 
 
0
 
 
 
-
 
Consumer Finance
 
 
0
 
 
 
-
 
 
 
0
 
 
 
-
 
Total
 
 
1
 
 
$
225
 
 
 
1
 
 
$
225
 
Financing Receivable Credit Quality Indicators [Table Text Block]
As of June 30, 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
 
$
6,404
 
 
$
123
 
 
$
2,384
 
 
$
-
 
 
$
181,894
 
 
$
190,805
 
1-4 Family Non Owner Occupied
 
 
106,130
 
 
 
717
 
 
 
3,179
 
 
 
-
 
 
 
7,129
 
 
 
117,155
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total 1-4 Family Real Estate
 
 
112,534
 
 
 
840
 
 
 
5,563
 
 
 
-
 
 
 
189,023
 
 
 
307,960
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Multi-Family Residential Real Estate
 
 
255,385
 
 
 
-
 
 
 
2,221
 
 
 
-
 
 
 
109
 
 
 
257,715
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CRE Owner Occupied
 
 
380,638
 
 
 
8,211
 
 
 
8,459
 
 
 
-
 
 
 
102
 
 
 
397,410
 
CRE Non Owner Occupied
 
 
442,837
 
 
 
5,939
 
 
 
4,045
 
 
 
-
 
 
 
-
 
 
 
452,821
 
Agriculture Land
 
 
109,661
 
 
 
3,996
 
 
 
15,926
 
 
 
-
 
 
 
-
 
 
 
129,583
 
Other CRE
 
 
47,290
 
 
 
156
 
 
 
1,363
 
 
 
-
 
 
 
1,057
 
 
 
49,866
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total Commercial Real Estate
 
 
980,426
 
 
 
18,302
 
 
 
29,793
 
 
 
-
 
 
 
1,159
 
 
 
1,029,680
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction
 
 
128,230
 
 
 
691
 
 
 
-
 
 
 
-
 
 
 
17,873
 
 
 
146,794
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial Working Capital
 
 
198,150
 
 
 
9,338
 
 
 
8,853
 
 
 
-
 
 
 
-
 
 
 
216,341
 
Commercial Other
 
 
262,392
 
 
 
8,599
 
 
 
3,696
 
 
 
-
 
 
 
-
 
 
 
274,687
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total Commercial
 
 
460,542
 
 
 
17,937
 
 
 
12,549
 
 
 
-
 
 
 
-
 
 
 
491,028
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Home Equity and Home Improvement
 
 
-
 
 
 
-
 
 
 
514
 
 
 
-
 
 
 
130,195
 
 
 
130,709
 
Consumer Finance
 
 
-
 
 
 
-
 
 
 
133
 
 
 
-
 
 
 
29,673
 
 
 
29,806
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total Loans
 
$
1,937,117
 
 
$
37,770
 
 
$
50,773
 
 
$
-
 
 
$
368,032
 
 
$
2,393,692
 
  
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):
 
 
 
June 30, 2018
 
 
December 31, 2017
 
1-4 Family Residential Real Estate
 
$
1,103
 
 
$
1,154
 
Multi-Family Residential Real Estate
 
 
305
 
 
 
309
 
Commercial Real Estate Loans
 
 
2,777
 
 
 
2,921
 
Commercial
 
 
298
 
 
 
407
 
Consumer
 
 
1
 
 
 
2
 
Total Outstanding Balance
 
$
4,484
 
 
$
4,793
 
Recorded Investment, net of allowance of $0
 
$
3,571
 
 
$
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
 
 
-
 
 
 
1,018
 
Accretion of Income
 
 
(56
)
 
 
(76
)
Reclassification from Non-accretable
 
 
-
 
 
 
-
 
Charge-off of Accretable Yield
 
 
(10
)
 
 
(8
)
Balance at June 30
 
$
738
 
 
$
934
 
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 June 30, 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 June 30, 2018. (In Thousands)
 
1-4 Family Residential Real Estate
 
$
1,720
 
Commercial Real Estate
 
 
4,724
 
Commercial
 
 
785
 
Consumer
 
 
4
 
Total
 
$
7,233
 
 
Cash Flows Expected to be Collected at Acquisition
 
$
5,721
 
Fair Value of Acquired Loans at Acquisition
 
$
4,703