XML 43 R31.htm IDEA: XBRL DOCUMENT v3.19.1
Loans (Tables)
 3 Months Ended
Mar. 31, 2019
Loans Receivable, Net [Abstract]  
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]
Loans receivable consist of the following:
 
 
 
March 31,
2019
 
 
December 31,
2018
 
 
 
(In Thousands)
 
Real Estate:
 
 
 
 
 
 
 
 
Secured by 1-4 family residential
 
$
321,644
 
 
$
322,686
 
Secured by multi-family residential
 
 
279,175
 
 
 
278,358
 
Secured by commercial real estate
 
 
1,115,325
 
 
 
1,126,452
 
Construction
 
 
304,241
 
 
 
265,772
 
 
 
 
2,020,385
 
 
 
1,993,268
 
Other Loans:
 
 
 
 
 
 
 
 
Commercial
 
 
509,627
 
 
 
509,577
 
Home equity and improvement
 
 
124,450
 
 
 
128,152
 
Consumer finance
 
 
34,262
 
 
 
34,405
 
 
 
 
668,339
 
 
 
672,134
 
Total loans
 
 
2,688,724
 
 
 
2,665,402
 
Deduct:
 
 
 
 
 
 
 
 
Undisbursed loan funds
 
 
(137,742
)
 
 
(123,293
)
Net deferred loan origination fees and costs
 
 
(2,014
)
 
 
(2,070
)
Allowance for loan loss
 
 
(28,164
)
 
 
(28,331
)
Totals
 
$
2,520,804
 
 
$
2,511,708
 
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, 2019 and 2018 by portfolio segment (In Thousands):
 
Quarter Ended March 31,

2019
 
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
 
$
2,881
 
 
$
3,101
 
 
$
12,041
 
 
$
682
 
 
$
7,281
 
 
$
2,026
 
 
$
319
 
 
$
28,331
 
Charge-Offs
 
 
(172
)
 
 
0
 
 
 
0
 
 
 
0
 
 
 
(187
)
 
 
(33
)
 
 
(142
)
 
 
(534
)
Recoveries
 
 
13
 
 
 
12
 
 
 
84
 
 
 
0
 
 
 
12
 
 
 
24
 
 
 
10
 
 
 
155
 
Provisions
 
 
89
 
 
 
(45
)
 
 
(124
)
 
 
49
 
 
 
170
 
 
 
(89
)
 
 
162
 
 
 
212
 
Ending Allowance
 
$
2,811
 
 
$
3,068
 
 
$
12,001
 
 
$
731
 
 
$
7,276
 
 
$
1,928
 
 
$
349
 
 
$
28,164
 
 
Quarter Ended March 31,

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
 
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, 2019 (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
 
$
177
 
 
$
2
 
 
$
98
 
 
$
-
 
 
$
67
 
 
$
236
 
 
$
-
 
 
$
580 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Collectively evaluated for impairment
 
 
2,634
 
 
 
3,066
 
 
 
11,903
 
 
 
731
 
 
 
7,209
 
 
 
1,692
 
 
 
349
 
 
 
27,584
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Acquired with deteriorated credit quality
 
 
-
 
 
 
-
 
 
 
-
 
 
 
-
 
 
 
-
 
 
 
-
 
 
 
-
 
 
 
-
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total ending allowance balance
 
$
2,811
 
 
$
3,068
 
 
$
12,001
 
 
$
731
 
 
$
7,276
 
 
$
1,928
 
 
$
349
 
 
$
28,164
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans individually evaluated for impairment
 
$
6,640
 
 
$
1,333
 
 
$
23,297
 
 
$
-
 
 
$
10,052
 
 
$
914
 
 
$
33
 
 
$
42,269
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans collectively evaluated for impairment
 
 
314,510
 
 
 
278,011
 
 
 
1,095,031
 
 
 
166,137
 
 
 
501,403
 
 
 
124,443
 
 
 
34,362
 
 
 
2,513,897
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans acquired with deteriorated credit quality
 
 
1,007
 
 
 
294
 
 
 
808
 
 
 
-
 
 
 
163
 
 
 
-
 
 
 
-
 
 
 
2,272
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total ending loans balance
 
$
322,157
 
 
$
279,638
 
 
$
1,119,136
 
 
$
166,137
 
 
$
511,618
 
 
$
125,357
 
 
$
34,395
 
 
$
2,558,438
 
 
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, 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
 
$
175
 
 
$
3
 
 
$
95
 
 
$
-
 
 
$
79
 
 
$
242
 
 
$
1
 
 
$
595
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Collectively evaluated for impairment
 
 
2,706
 
 
 
3,098
 
 
 
11,946
 
 
 
682
 
 
 
7,202
 
 
 
1,784
 
 
 
318
 
 
 
27,736
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Acquired with deteriorated credit quality
 
 
-
 
 
 
-
 
 
 
-
 
 
 
-
 
 
 
-
 
 
 
-
 
 
 
-
 
 
 
-
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total ending allowance balance
 
$
2,881
 
 
$
3,101
 
 
$
12,041
 
 
$
682
 
 
$
7,281
 
 
$
2,026
 
 
$
319
 
 
$
28,331
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans individually evaluated for impairment
 
$
6,774
 
 
$
1,347
 
 
$
26,334
 
 
$
-
 
 
$
10,477
 
 
$
963
 
 
$
45
 
 
$
45,940
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans collectively evaluated for impairment
 
 
315,385
 
 
 
277,105
 
 
 
1,102,355
 
 
 
142,096
 
 
 
500,730
 
 
 
128,065
 
 
 
34,486
 
 
 
2,500,222
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans acquired with deteriorated credit quality
 
 
1,012
 
 
 
296
 
 
 
846
 
 
 
-
 
 
 
177
 
 
 
-
 
 
 
-
 
 
 
2,331
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total ending loans balance
 
$
323,171
 
 
$
278,748
 
 
$
1,129,535
 
 
$
142,096
 
 
$
511,384
 
 
$
129,028
 
 
$
34,531
 
 
$
2,548,493
 
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, 2019
 
 
 
Average

Balance
 
 
Interest

Income

Recognized
 
 
Cash Basis

Income

Recognized
 
Residential Owner Occupied
 
$
4,552
 
 
$
64
 
 
$
60
 
Residential Non Owner Occupied
 
 
2,080
 
 
 
30
 
 
 
32
 
Total Residential Real Estate
 
 
6,632
 
 
 
94
 
 
 
92
 
Construction
 
 
-
 
 
 
-
 
 
 
-
 
Multi-Family
 
 
1,332
 
 
 
20
 
 
 
20
 
CRE Owner Occupied
 
 
7,365
 
 
 
166
 
 
 
132
 
CRE Non Owner Occupied
 
 
1,989
 
 
 
33
 
 
 
26
 
Agriculture Land
 
 
12,903
 
 
 
206
 
 
 
197
 
Other CRE
 
 
1,154
 
 
 
34
 
 
 
33
 
Total Commercial Real Estate
 
 
23,411
 
 
 
439
 
 
 
388
 
Commercial Working Capital
 
 
8,089
 
 
 
143
 
 
 
91
 
Commercial Other
 
 
1,870
 
 
 
27
 
 
 
24
 
Total Commercial
 
 
9,959
 
 
 
170
 
 
 
115
 
Home Equity and Improvement
 
 
921
 
 
 
14
 
 
 
13
 
Consumer Finance
 
 
36
 
 
 
1
 
 
 
1
 
Total Impaired Loans
 
$
42,291
 
 
$
738
 
 
$
629
 
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
 
Impaired Financing Receivables [Table Text Block]
The following table presents loans individually evaluated for impairment by class of loans (In Thousands):
 
 
 
March 31, 2019
 
 
December 31, 2018
 
 
 
 
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
 
$
468
 
 
$
343
 
 
$
-
 
 
$
901
 
 
$
775
 
 
$
-
 
Residential Non Owner Occupied
 
 
906
 
 
 
911
 
 
 
-
 
 
 
950
 
 
 
955
 
 
 
-
 
Total 1-4 Family Residential Real Estate
 
 
1,374
 
 
 
1,254
 
 
 
-
 
 
 
1,851
 
 
 
1,730
 
 
 
-
 
Multi-Family Residential Real Estate
 
 
1,282
 
 
 
1,289
 
 
 
-
 
 
 
1,296
 
 
 
1,302
 
 
 
-
 
CRE Owner Occupied
 
 
6,884
 
 
 
5,631
 
 
 
-
 
 
 
7,464
 
 
 
6,202
 
 
 
-
 
CRE Non Owner Occupied
 
 
1,794
 
 
 
1,628
 
 
 
-
 
 
 
1,824
 
 
 
1,659
 
 
 
-
 
Agriculture Land
 
 
12,664
 
 
 
12,809
 
 
 
-
 
 
 
14,915
 
 
 
14,994
 
 
 
-
 
Other CRE
 
 
457
 
 
 
459
 
 
 
-
 
 
 
464
 
 
 
462
 
 
 
-
 
Total Commercial Real Estate
 
 
21,799
 
 
 
20,527
 
 
 
-
 
 
 
24,667
 
 
 
23,317
 
 
 
-
 
Construction
 
 
-
 
 
 
-
 
 
 
-
 
 
 
-
 
 
 
-
 
 
 
-
 
Commercial Working Capital
 
 
7,715
 
 
 
7,725
 
 
 
-
 
 
 
7,569
 
 
 
7,498
 
 
 
-
 
Commercial Other
 
 
1,688
 
 
 
1,686
 
 
 
-
 
 
 
2,095
 
 
 
2,100
 
 
 
-
 
Total Commercial
 
 
9,403
 
 
 
9,411
 
 
 
-
 
 
 
9,664
 
 
 
9,598
 
 
 
-
 
Home Equity and Home Improvement
 
 
-
 
 
 
-
 
 
 
-
 
 
 
-
 
 
 
-
 
 
 
-
 
Consumer Finance
 
 
-
 
 
 
-
 
 
 
-
 
 
 
-
 
 
 
-
 
 
 
-
 
Total loans with no allowance recorded
 
$
33,858
 
 
$
32,481
 
 
$
-
 
 
$
37,478
 
 
$
35,947
 
 
$
-
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
With an allowance recorded:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential Owner Occupied
 
$
4,291
 
 
$
4,255
 
 
$
151
 
 
$
3,926
 
 
$
3,884
 
 
$
148
 
Residential Non Owner Occupied
 
 
1,126
 
 
 
1,131
 
 
 
26
 
 
 
1,152
 
 
 
1,160
 
 
 
27
 
Total 1-4 Family Residential Real Estate
 
 
5,417
 
 
 
5,386
 
 
 
177
 
 
 
5,078
 
 
 
5,044
 
 
 
175
 
Multi-Family Residential Real Estate
 
 
43
 
 
 
44
 
 
 
2
 
 
 
44
 
 
 
44
 
 
 
3
 
CRE Owner Occupied
 
 
2,141
 
 
 
1,657
 
 
 
40
 
 
 
2,419
 
 
 
1,935
 
 
 
38
 
CRE Non Owner Occupied
 
 
342
 
 
 
345
 
 
 
15
 
 
 
350
 
 
 
353
 
 
 
16
 
Agriculture Land
 
 
95
 
 
 
96
 
 
 
6
 
 
 
37
 
 
 
38
 
 
 
2
 
Other CRE
 
 
1,088
 
 
 
672
 
 
 
37
 
 
 
1,107
 
 
 
691
 
 
 
39
 
Total Commercial Real Estate
 
 
3,666
 
 
 
2,770
 
 
 
98
 
 
 
3,913
 
 
 
3,017
 
 
 
95
 
Construction
 
 
-
 
 
 
-
 
 
 
-
 
 
 
-
 
 
 
-
 
 
 
-
 
Commercial Working Capital
 
 
507
 
 
 
510
 
 
 
54
 
 
 
525
 
 
 
528
 
 
 
55
 
Commercial Other
 
 
128
 
 
 
131
 
 
 
13
 
 
 
560
 
 
 
352
 
 
 
24
 
Total Commercial
 
 
635
 
 
 
641
 
 
 
67
 
 
 
1,085
 
 
 
880
 
 
 
79
 
Home Equity and Home Improvement
 
 
965
 
 
 
914
 
 
 
236
 
 
 
1,013
 
 
 
963
 
 
 
242
 
Consumer Finance
 
 
33
 
 
 
33
 
 
 
-
 
 
 
45
 
 
 
45
 
 
 
1
 
Total loans with an allowance recorded
 
$
10,759
 
 
$
9,788
 
 
$
580
 
 
$
11,178
 
 
$
9,993
 
 
$
595
 
 
* 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,
2019
 
 
December 31,

2018
 
 
 
(In Thousands)
 
Non-accrual loans
 
$
17,645
 
 
$
19,016
 
Loans over 90 days past due and still accruing
 
 
-
 
 
 
-
 
Total non-performing loans
 
 
17,645
 
 
 
19,016
 
Real estate and other assets held for sale
 
 
941
 
 
 
1,205
 
Total non-performing assets
 
$
18,586
 
 
$
20,221
 
Troubled debt restructuring, still accruing
 
$
11,908
 
 
$
11,573
 
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, 2019, by class of loans (In Thousands):
 
 
 
Current
 
 
30-59 days
 
 
60-89 days
 
 
90+ days
 
 
Total

Past Due
 
 
Total

Non-

Accrual
 
Residential Owner Occupied
 
$
201,526
 
 
$
84
 
 
$
789
 
 
$
1,535
 
 
$
2,408
 
 
$
2,933
 
Residential Non Owner Occupied
 
 
118,110
 
 
 
39
 
 
 
22
 
 
 
52
 
 
 
113
 
 
 
241
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total 1-4 Family Residential Real Estate
 
 
319,636
 
 
 
123
 
 
 
811
 
 
 
1,587
 
 
 
2,521
 
 
 
3,174
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Multi-Family Residential Real Estate
 
 
279,638
 
 
 
-
 
 
 
-
 
 
 
-
 
 
 
-
 
 
 
-
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CRE Owner Occupied
 
 
416,888
 
 
 
616
 
 
 
320
 
 
 
331
 
 
 
1,267
 
 
 
4,122
 
CRE Non Owner Occupied
 
 
527,519
 
 
 
513
 
 
 
-
 
 
 
-
 
 
 
513
 
 
 
672
 
Agriculture Land
 
 
129,563
 
 
 
-
 
 
 
171
 
 
 
3
 
 
 
174
 
 
 
4,618
 
Other Commercial Real Estate
 
 
43,057
 
 
 
110
 
 
 
-
 
 
 
45
 
 
 
155
 
 
 
45
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total Commercial Real Estate
 
 
1,117,027
 
 
 
1,239
 
 
 
491
 
 
 
379
 
 
 
2,109
 
 
 
9,457
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction
 
 
166,137
 
 
 
-
 
 
 
-
 
 
 
-
 
 
 
-
 
 
 
-
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial Working Capital
 
 
220,777
 
 
 
85
 
 
 
-
 
 
 
3,874
 
 
 
3,959
 
 
 
3,903
 
Commercial Other
 
 
286,182
 
 
 
469
 
 
 
-
 
 
 
231
 
 
 
700
 
 
 
456
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total Commercial
 
 
506,959
 
 
 
554
 
 
 
-
 
 
 
4,105
 
 
 
4,659
 
 
 
4,359
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Home Equity/Home Improvement
 
 
125,080
 
 
 
89
 
 
 
64
 
 
 
124
 
 
 
277
 
 
 
606
 
Consumer Finance
 
 
34,247
 
 
 
108
 
 
 
9
 
 
 
31
 
 
 
148
 
 
 
38
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total Loans
 
$
2,548,724
 
 
$
2,113
 
 
$
1,375
 
 
$
6,226
 
 
$
9,714
 
 
$
17,634
 
 
The following table presents the aging of the recorded investment in past due and non-accrual loans as of December 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
 
$
199,664
 
 
$
887
 
 
$
821
 
 
$
1,402
 
 
$
3,110
 
 
$
3,266
 
Residential Non Owner Occupied
 
 
119,988
 
 
 
64
 
 
 
180
 
 
 
165
 
 
 
409
 
 
 
363
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total 1-4 Family Residential Real Estate
 
 
319,652
 
 
 
951
 
 
 
1,001
 
 
 
1,567
 
 
 
3,519
 
 
 
3,629
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Multi-Family Residential Real Estate
 
 
278,748
 
 
 
-
 
 
 
-
 
 
 
-
 
 
 
-
 
 
 
102
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CRE Owner Occupied
 
 
416,879
 
 
 
52
 
 
 
300
 
 
 
138
 
 
 
490
 
 
 
4,377
 
CRE Non Owner Occupied
 
 
534,823
 
 
 
6
 
 
 
119
 
 
 
-
 
 
 
125
 
 
 
620
 
Agriculture Land
 
 
129,040
 
 
 
66
 
 
 
-
 
 
 
2,869
 
 
 
2,935
 
 
 
5,253
 
Other Commercial Real Estate
 
 
45,232
 
 
 
11
 
 
 
-
 
 
 
-
 
 
 
11
 
 
 
-
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total Commercial Real Estate
 
 
1,125,974
 
 
 
135
 
 
 
419
 
 
 
3,007
 
 
 
3,561
 
 
 
10,250
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction
 
 
142,096
 
 
 
-
 
 
 
-
 
 
 
-
 
 
 
-
 
 
 
-
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial Working Capital
 
 
217,832
 
 
 
268
 
 
 
-
 
 
 
3,838
 
 
 
4,106
 
 
 
4,021
 
Commercial Other
 
 
289,125
 
 
 
32
 
 
 
54
 
 
 
235
 
 
 
321
 
 
 
480
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total Commercial
 
 
506,957
 
 
 
300
 
 
 
54
 
 
 
4,073
 
 
 
4,427
 
 
 
4,501
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Home Equity and Home Improvement
 
 
127,346
 
 
 
1,446
 
 
 
146
 
 
 
90
 
 
 
1,682
 
 
 
394
 
Consumer Finance
 
 
34,224
 
 
 
134
 
 
 
77
 
 
 
96
 
 
 
307
 
 
 
126
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total Loans
 
$
2,534,997
 
 
$
2,966
 
 
$
1,697
 
 
$
8,833
 
 
$
13,496
 
 
$
19,002
 
Troubled Debt Restructurings on Financing Receivables [Table Text Block]
The following tables present loans by class modified as TDRs that occurred during the three month periods ending March 31, 2019, and March 31, 2018:
 
 
 
Loans Modified as a TDR for the Three

Months Ended March 31, 2019
($ in thousands)
 
 
Loans Modified as a TDR for the Three

Months Ended March 31, 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
 
 
3
 
 
$
473
 
 
 
3
 
 
$
145
 
1-4 Family Non Owner Occupied
 
 
0
 
 
 
-
 
 
 
1
 
 
 
69
 
Multi Family
 
 
0
 
 
 
-
 
 
 
0
 
 
 
-
 
CRE Owner Occupied
 
 
0
 
 
 
-
 
 
 
2
 
 
 
650
 
CRE Non Owner Occupied
 
 
0
 
 
 
-
 
 
 
0
 
 
 
-
 
Agriculture Land
 
 
0
 
 
 
-
 
 
 
0
 
 
 
-
 
Other CRE
 
 
0
 
 
 
-
 
 
 
0
 
 
 
-
 
Commercial Working Capital
 
 
0
 
 
 
-
 
 
 
4
 
 
 
2,114
 
Commercial Other
 
 
1
 
 
 
14
 
 
 
0
 
 
 
-
 
Home Equity and Improvement
 
 
1
 
 
 
20
 
 
 
0
 
 
 
-
 
Consumer Finance
 
 
1
 
 
 
7
 
 
 
0
 
 
 
-
 
Total
 
 
6
 
 
$
514
 
 
 
10
 
 
$
2,978
 
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 month periods ended March 31, 2019, and March 31, 2018:
 
 
 
Three Months Ended March 31, 2019
($ in thousands)
 
 
Three Months Ended March 31, 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
 
 
1
 
 
$
76
 
 
 
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
 
 
3
 
 
 
2,544
 
 
 
0
 
 
 
-
 
Commercial Other
 
 
0
 
 
 
-
 
 
 
1
 
 
 
197
 
Home Equity and Improvement
 
 
1
 
 
 
61
 
 
 
0
 
 
 
-
 
Consumer Finance
 
 
0
 
 
 
-
 
 
 
0
 
 
 
-
 
Total
 
 
5
 
 
$
2,681
 
 
 
1
 
 
$
197
 
Financing Receivable Credit Quality Indicators [Table Text Block] As of March 31, 2019, 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
 
$
8,480
 
 
$
89
 
 
$
2,921
 
 
$
-
 
 
$
192,444
 
 
$
203,934
 
1-4 Family Non Owner Occupied
 
 
107,979
 
 
 
768
 
 
 
2,862
 
 
 
-
 
 
 
6,614
 
 
 
118,223
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total 1-4 Family Real Estate
 
 
116,459
 
 
 
857
 
 
 
5,783
 
 
 
-
 
 
 
199,058
 
 
 
322,157
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Multi-Family Residential Real Estate
 
 
277,614
 
 
 
-
 
 
 
1,918
 
 
 
-
 
 
 
106
 
 
 
279,638
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CRE Owner Occupied
 
 
396,581
 
 
 
13,673
 
 
 
7,820
 
 
 
-
 
 
 
84
 
 
 
418,158
 
CRE Non Owner Occupied
 
 
520,779
 
 
 
5,057
 
 
 
2,194
 
 
 
-
 
 
 
-
 
 
 
528,030
 
Agriculture Land
 
 
109,365
 
 
 
6,488
 
 
 
13,882
 
 
 
-
 
 
 
-
 
 
 
129,735
 
Other CRE
 
 
40,238
 
 
 
718
 
 
 
1,227
 
 
 
-
 
 
 
1,030
 
 
 
43,213
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total Commercial Real Estate
 
 
1,066,963
 
 
 
25,936
 
 
 
25,123
 
 
 
-
 
 
 
1,114
 
 
 
1,119,136
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction
 
 
146,556
 
 
 
219
 
 
 
-
 
 
 
-
 
 
 
19,362
 
 
 
166,137
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial Working Capital
 
 
207,960
 
 
 
8,534
 
 
 
8,241
 
 
 
-
 
 
 
-
 
 
 
224,735
 
Commercial Other
 
 
276,814
 
 
 
7,590
 
 
 
2,479
 
 
 
-
 
 
 
-
 
 
 
286,883
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total Commercial
 
 
484,774
 
 
 
16,124
 
 
 
10,720
 
 
 
-
 
 
 
-
 
 
 
511,618
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Home Equity and Home Improvement
 
 
-
 
 
 
-
 
 
 
417
 
 
 
-
 
 
 
124,940
 
 
 
125,357
 
Consumer Finance
 
 
-
 
 
 
-
 
 
 
122
 
 
 
-
 
 
 
34,273
 
 
 
34,395
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total Loans
 
$
2,092,366
 
 
$
43,136
 
 
$
44,083
 
 
$
-
 
 
$
378,853
 
 
$
2,558,438
 
As of December 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
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential Owner Occupied
 
$
9,419
 
 
$
91
 
 
$
3,130
 
 
$
-
 
 
$
190,134
 
 
$
202,774
 
Residential Non Owner Occupied
 
 
109,885
 
 
 
700
 
 
 
3,087
 
 
 
-
 
 
 
6,725
 
 
 
120,397
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total 1-4 Family Real Estate
 
 
119,304
 
 
 
791
 
 
 
6,217
 
 
 
-
 
 
 
196,859
 
 
 
323,171
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Multi-Family Residential Real Estate
 
 
276,594
 
 
 
-
 
 
 
2,047
 
 
 
-
 
 
 
107
 
 
 
278,748
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CRE Owner Occupied
 
 
402,008
 
 
 
5,724
 
 
 
9,547
 
 
 
-
 
 
 
89
 
 
 
417,368
 
CRE Non Owner Occupied
 
 
529,842
 
 
 
2,807
 
 
 
2,297
 
 
 
-
 
 
 
-
 
 
 
534,946
 
Agriculture Land
 
 
111,595
 
 
 
4,023
 
 
 
16,358
 
 
 
-
 
 
 
-
 
 
 
131,976
 
Other CRE
 
 
42,189
 
 
 
730
 
 
 
1,244
 
 
 
-
 
 
 
1,082
 
 
 
45,245
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total Commercial Real Estate
 
 
1,085,634
 
 
 
13,284
 
 
 
29,446
 
 
 
-
 
 
 
1,171
 
 
 
1,129,535
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction
 
 
122,775
 
 
 
219
 
 
 
-
 
 
 
-
 
 
 
19,102
 
 
 
142,096
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial Working Capital
 
 
205,903
 
 
 
6,546
 
 
 
9,489
 
 
 
-
 
 
 
-
 
 
 
221,938
 
Commercial Other
 
 
279,234
 
 
 
7,011
 
 
 
3,201
 
 
 
-
 
 
 
-
 
 
 
289,446
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total Commercial
 
 
485,137
 
 
 
13,557
 
 
 
12,690
 
 
 
-
 
 
 
-
 
 
 
511,384
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Home Equity and Home Improvement
 
 
-
 
 
 
-
 
 
 
434
 
 
 
-
 
 
 
128,594
 
 
 
129,028
 
Consumer Finance
 
 
-
 
 
 
-
 
 
 
206
 
 
 
-
 
 
 
34,325
 
 
 
34,531
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total Loans
 
$
2,089,444
 
 
$
27,851
 
 
$
51,040
 
 
$
-
 
 
$
380,158
 
 
$
2,548,493
 
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, 2019
 
 
December 31, 2018
 
 
 
 
 
 
 
 
1-4 Family Residential Real Estate
 
$
1,036
 
 
$
1,045
 
Multi-Family Residential Real Estate
 
 
298
 
 
 
300
 
Commercial Real Estate Loans
 
 
871
 
 
 
899
 
Commercial
 
 
209
 
 
 
227
 
Consumer
 
 
-
 
 
 
-
 
Total Outstanding Balance
 
$
2,414
 
 
$
2,471
 
Recorded Investment, net of allowance of $0
 
$
2,272
 
 
$
2,331
 
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:
 
 
 
2019
 
 
 
2018
 
Balance at January 1
 
$
468
 
 
$
804
 
New Loans Purchased
 
 
-
 
 
 
-
 
Accretion of Income
 
 
(12
)
 
 
(15
)
Reclassification from Non-accretable
 
 
-
 
 
 
-
 
Charge-off of Accretable Yield
 
 
-
 
 
 
-
 
Balance at March 31
 
$
456
 
 
$
789