SI Financial 10-Q 9 May 19 2019 Q1 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	3 Months Ended
	Mar. 31, 2019	May 06, 2019
Entity Information [Line Items]
Entity Registrant Name	SI Financial Group, Inc.
Entity Central Index Key	0001500213
Current Fiscal Year End Date	--12-31
Entity Filer Category	Accelerated Filer
Document Type	10-Q
Document Period End Date	Mar. 31, 2019
Document Fiscal Year Focus	2019
Document Fiscal Period Focus	Q1
Amendment Flag	false
Entity Emerging Growth Company	false
Entity Small Business	true
Entity Common Stock, Shares Outstanding		12,034,193

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Cash and due from banks:
Noninterest-bearing	$ 14,489	$ 17,433
Interest-bearing	106,230	70,496
Total cash and cash equivalents	120,719	87,929
Available for sale securities, at fair value	139,079	143,822
Loans held for sale	1,324	1,915
Loans receivable (net of allowance for loan losses of $15,213 at March 31, 2019 and $14,682 at December 31, 2018)	1,316,229	1,312,565
Federal Home Loan Bank stock, at cost	8,168	9,035
Federal Reserve Bank stock, at cost	3,638	3,638
Bank-owned life insurance	34,847	34,633
Premises and equipment, net	19,232	19,552
Operating leases right-of-use assets	9,704	0
Goodwill and other intangibles	16,141	16,291
Accrued interest receivable	5,099	4,921
Deferred tax asset, net	6,649	6,921
Other real estate owned, net	222	720
Other assets	10,090	7,885
Total assets	1,691,141	1,649,827
Deposits:
Noninterest-bearing	249,833	250,065
Interest-bearing	1,067,176	1,037,966
Total deposits	1,317,009	1,288,031
Mortgagors' and investors' escrow accounts	3,138	4,701
Federal Home Loan Bank advances	151,621	151,836
Junior subordinated debt owed to unconsolidated trust	8,248	8,248
Operating lease liability	9,753	0
Accrued expenses and other liabilities	25,579	24,883
Total liabilities	1,515,348	1,477,699
Shareholders' Equity:
Preferred stock ($.01 par value; 1,000,000 shares authorized; none issued)	0	0
Common stock ($.01 par value; 35,000,000 shares authorized; 12,054,785 shares issued and outstanding at March 31, 2019 and December 31, 2018)	121	121
Additional paid-in-capital	126,232	126,153
Unallocated common shares held by ESOP	(2,088)	(2,208)
Unearned restricted shares	(229)	(226)
Retained earnings	52,852	50,426
Accumulated other comprehensive loss	(1,095)	(2,138)
Total shareholders' equity	175,793	172,128
Total liabilities and shareholders' equity	$ 1,691,141	$ 1,649,827

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
ASSETS:
Loans receivable, allowance for loan losses	$ 15,213	$ 14,682
Shareholders' Equity
Preferred stock, par value (in dollars per share)	$ 0.01	$ 0.01
Preferred stock, authorized (in shares)	1,000,000	1,000,000
Preferred stock, issued (in shares)	0	0
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, authorized (in shares)	35,000,000	35,000,000
Common stock, shares issued	12,054,785	12,054,785
Common stock, outstanding (in shares)	12,054,785	12,054,785
Treasury stock (in shares)	0	0

CONSOLIDATED STATEMENTS OF OPER

CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Interest and dividend income:
Loans, including fees	$ 14,056	$ 12,663
Securities:
Taxable interest	915	677
Tax-exempt interest	13	14
Dividends	199	180
Other	524	220
Total interest and dividend income	15,707	13,754
Interest expense:
Deposits	3,339	1,955
Federal Home Loan Bank advances	775	806
Subordinated debt and other borrowings	89	68
Total interest expense	4,203	2,829
Net interest income	11,504	10,925
Provision for loan losses	518	725
Net interest income after provision for loan losses	10,986	10,200
Noninterest income:
Service fees	1,833	1,712
Wealth management fees	2	9
Increase in cash surrender value of bank-owned life insurance	214	215
Mortgage banking	197	214
Net gain on disposal of equipment	13	0
Other	504	244
Total noninterest income	2,763	2,394
Noninterest expenses:
Salaries and employee benefits	5,377	5,210
Occupancy and equipment	1,730	1,851
Computer and electronic banking services	1,281	1,288
Outside professional services	229	356
Marketing and advertising	173	234
Supplies	126	147
FDIC deposit insurance and regulatory assessments	191	173
Merger expenses	66	0
Core deposit intangible amortization	150	151
Other real estate owned operations	45	135
Other	317	506
Total noninterest expenses	9,685	10,051
Income before income tax provision	4,064	2,543
Income tax provision	930	537
Net income	$ 3,134	$ 2,006
Earnings per share:
Basic	$ 0.27	$ 0.17
Diluted	$ 0.27	$ 0.17

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Net income	$ 3,134	$ 2,006
Available for sale securities:
Net unrealized holding gains (losses) on available for sale securities	1,043	(1,078)
Other comprehensive income (loss)	1,043	(1,078)
Comprehensive income	$ 4,177	$ 928

CONSOLIDATED STATEMENTS OF CHAN

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY - 3 months ended Mar. 31, 2019 - USD ($) $ in Thousands	Total	Common Stock [Member]	Additional Paid-in Capital [Member]	Unallocated Common Shares Held By ESOP [Member]	Unearned Restricted Shares [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income [Member]
Balance at Dec. 31, 2018	$ 172,128	$ 121	$ 126,153	$ (2,208)	$ (226)	$ 50,426	$ (2,138)
Balance (in shares) at Dec. 31, 2018		12,054,785
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Comprehensive income	4,177					3,134	1,043
Cash dividends declared ($0.06 per share)	(708)					(708)
Equity incentive plans compensation	30		33		(3)
Allocation of 12,159 ESOP shares	166		46	120
Balance at Mar. 31, 2019	$ 175,793	$ 121	$ 126,232	$ (2,088)	$ (229)	$ 52,852	$ (1,095)
Balance (in shares) at Mar. 31, 2019		12,054,785

CONSOLIDATED STATEMENTS OF CH_2

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (Parenthetical)	3 Months Ended
	Mar. 31, 2019$ / sharesshares
Cash dividends declared per share | $ / shares	$ 0.06
Allocation of ESOP shares | shares	12,159

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Dec. 31, 2018
Operating leases right-of-use assets amortization	$ 49	$ 0
Cash flows from operating activities:
Net income	3,134	2,006
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	518	725
Employee stock ownership plan expense	166	175
Equity incentive plan expense	30	51
Amortization of investment premiums and discounts, net	130	324
Amortization of loan premiums and discounts, net	246	228
Depreciation and amortization of premises and equipment	502	582
Amortization of core deposit intangible	150	151
Deferred income tax benefit	(6)	(6)
Loans originated for sale	(8,051)	(5,811)
Proceeds from sale of loans held for sale	8,694	5,776
Net gain on sales of loans held for sale	(90)	(120)
Net gain on disposal of equipment	(13)	0
Net loss on sales or write-downs of other real estate owned	6	81
Increase in cash surrender value of bank-owned life insurance	(214)	(215)
Change in operating assets and liabilities:
Accrued interest receivable	(178)	(9)
Other assets	(2,167)	1,269
Accrued expenses and other liabilities	696	154
Net cash provided by operating activities	3,602	5,361
Cash flows from investing activities:
Purchases of available for sale securities	0	(1,993)
Proceeds from maturities of and principal repayments on available for sale securities	5,934	8,890
Purchases of Federal Reserve Bank stock	0	(2)
Redemption of Federal Home Loan Bank stock	867	0
Loan principal originations, net of principal collections	8,173	(24,579)
Purchases of loans	(12,601)	(2,382)	$ (56,000)
Proceeds from sales of other real estate owned	492	71
Purchases of premises and equipment	(169)	(560)
Net cash provided by (used in) investing activities	2,696	(20,555)
Cash flows from financing activities:
Net increase in deposits	28,978	14,473
Net decrease in mortgagors' and investors' escrow accounts	(1,563)	(1,310)
Proceeds from Federal Home Loan Bank advances	0	14,817
Repayments of Federal Home Loan Bank advances	(215)	(11,210)
Cash dividends on common stock	(708)	(716)
Net cash provided by financing activities	26,492	16,054
Net change in cash and cash equivalents	32,790	860
Cash and cash equivalents at beginning of period	87,929	83,486	83,486
Cash and cash equivalents at end of period	120,719	84,346	$ 87,929
Supplemental cash flow information:
Interest paid	$ 4,097	$ 2,831

NATURE OF BUSINESS AND SUMMARY

NATURE OF BUSINESS AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	3 Months Ended
	Mar. 31, 2019
Accounting Policies [Abstract]
NATURE OF BUSINESS AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	NATURE OF BUSINESS AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Nature of Business SI Financial Group, Inc. (the “Company”) is the holding company for Savings Institute Bank and Trust Company (the “Bank”). Established in 1842 , the Bank is a community-oriented financial institution headquartered in Willimantic, Connecticut. The Bank provides a variety of financial services to individuals, businesses and municipalities through its 23 offices in eastern Connecticut and Rhode Island. Its primary products include savings, checking and certificate of deposit accounts, residential and commercial mortgage loans, commercial business loans, construction loans and consumer loans. The Company does not conduct any material business other than owning all of the stock of the Bank and making payments on the subordinated debentures held by the Company. Principles of Consolidation The accompanying consolidated financial statements include the accounts of the Company, its wholly-owned subsidiary, the Bank, and the Bank’s wholly-owned subsidiaries, SI Mortgage Company and SI Realty Company, Inc. All significant intercompany accounts and transactions have been eliminated. Basis of Financial Statement Presentation The interim consolidated financial statements and related notes have been prepared in accordance with accounting principles generally accepted in the United States of America (“GAAP”) for interim financial information, the instructions to Form 10-Q and Rule 10.01 of Regulation S-X of the Securities and Exchange Commission and general practices within the banking industry. Accordingly, certain information and footnote disclosures required by GAAP for complete financial statements have been omitted. Information in the accompanying interim consolidated financial statements and notes to the financial statements of the Company as of March 31, 2019 and for the three months ended March 31, 2019 and 2018 is unaudited. These unaudited interim consolidated financial statements and related notes should be read in conjunction with the audited consolidated financial statements of the Company and the accompanying notes for the year ended December 31, 2018 contained in Item 8. Financial Statements and Supplementary Data in the Company’s Form 10-K. In the opinion of management, the accompanying unaudited interim consolidated financial statements reflect all of the adjustments, consisting only of normal and recurring adjustments, necessary for a fair presentation of the financial condition, results of operations and cash flows as of and for the periods covered herein. The results of operations for the three months ended March 31, 2019 are not necessarily indicative of the operating results for the year ending December 31, 2019 or for any other period. In preparing the consolidated financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities, and disclosures of contingent assets and liabilities, as of the date of the balance sheets and reported amounts of revenues and expenses for the periods presented. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses, deferred income taxes and the impairment of long-lived assets such as goodwill and other intangibles. Reclassifications Amounts in the Company’s prior year consolidated financial statements are reclassified to conform to the current year presentation. Such reclassifications had no effect on net income. Loans Receivable Loans receivable are stated at current unpaid principal balances, net of the allowance for loan losses and deferred loan origination fees and costs. Management has the ability and intent to hold its loans receivable for the foreseeable future or until maturity or pay-off. A loan is impaired when, based on current information and events, it is probable the Company will be unable to collect all contractual principal and interest payments due in accordance with the terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due. Impairment is measured on a loan by loan basis for residential and commercial mortgage loans and commercial business loans by either the present value of expected future cash flows discounted at the loan's effective interest rate or, as a practical expedient, at the loan's observable market price or the fair value of the collateral if the loan is collateral dependent. Large groups of smaller balance homogeneous loans are collectively evaluated for impairment. Accordingly, the Company does not typically identify individual consumer loans for impairment disclosures, unless such loans are subject to a troubled debt restructuring ("TDR") agreement. Troubled Debt Restructurings The Company periodically may agree to modify the contractual terms of loans. When a loan is modified and concessions have been made to the original contractual terms due to the borrower's financial condition that would not otherwise be considered for a borrower with similar risk characteristics, such as reductions of interest rates, deferral of interest or principal payments, or maturity extensions, the modification is considered a TDR. Modified terms are dependent upon the financial position and needs of the individual borrower. If the modification agreement is violated, the loan is handled by the Company’s Collections Department for resolution, which may result in foreclosure. Management considers all nonaccrual loans, with the exception of certain consumer loans, to be impaired. Also, all TDRs are initially classified as impaired and follow the Company's nonaccrual policy. However, if the TDR was current prior to modification, nonaccrual status would not be required. If the loan was on nonaccrual prior to modification or if the payment amount significantly increases, the loan will remain on nonaccrual for a period of at least six months. Loans qualify for return to accrual status once the borrower has demonstrated the willingness and the ability to perform in accordance with the restructured terms of the loan agreement for a period of not less than six consecutive months. In most cases, loan payments less than 90 days past due are considered minor collection delays and the related loans are generally not considered impaired. Impaired classification may be removed after a year following the restructure if the borrower demonstrates compliance with the modified terms and the restructuring agreement specifies an interest rate equal to that which would be provided to a borrower with similar risk characteristics at the time of restructuring. Allowance for Loan Losses The allowance for loan losses, a material estimate which could change significantly in the near-term, is established through a provision for loan losses charged to earnings to account for losses that are inherent in the loan portfolio and estimated to occur, and is maintained at a level management considers adequate to absorb losses in the loan portfolio. Loan losses are charged against the allowance for loan losses when management believes the uncollectibility of the principal loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance for loan losses when received. Management's judgment in determining the adequacy of the allowance is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. The allowance for loan losses is evaluated on a monthly basis by management and is based on the evaluation of the known and inherent risk characteristics and size and composition of the loan portfolio, the assessment of current economic and real estate market conditions, adverse situations that may affect a borrower’s ability to repay, estimated value of any underlying collateral, historical loan loss experience, the amount and trends of nonperforming loans, delinquencies, classified assets and loan charge-offs and evaluations of loans and other relevant factors. The allowance for loan losses consists of the following key elements: • Specific allowance for identified impaired loans . For loans identified as impaired, an allowance is established when the present value of expected cash flows, or observable market price of the loan or fair value of the collateral if the loan is collateral dependent, of the impaired loan is lower than the carrying value of that loan. In the determination of the allowance for loan losses, management may obtain independent appraisals for significant properties, when necessary. • General valuation allowance. The general component represents a valuation allowance on the remainder of the loan portfolio, after excluding impaired loans. For this portion of the allowance, loans are segregated by category and assigned an allowance percentage based on historical loan loss experience adjusted for qualitative factors stratified by the following loan segments: residential one- to four-family, multi-family and commercial real estate, construction, commercial business and consumer. Management uses a rolling average of historical losses based on the time frame appropriate to capture relevant loss data for each loan segment. This historical loss factor is adjusted for the following qualitative factors: changes in lending policies and procedures, including changes in underwriting standards and collections, charge-off and recovery practices; changes in national, regional and local economic and business conditions and developments that affect the collectibility of the portfolio, including the condition of various market segments; changes in the size and composition of the loan portfolio and in the terms of the loans; changes in the experience, ability and depth of lending and underwriting management and other relevant staff; changes in the volume and severity of past due loans, the volume of nonaccrual loans and the volume and severity of adversely classified or graded loans; changes in the quality of the loan review system; changes in the underlying collateral for collateral-dependent loans; the existence and effect of any concentrations of credit and changes in the level of such concentrations; the effect of other external factors such as competition and legal and regulatory requirements on the level of estimated credit losses in the portfolio. The qualitative factors are determined based on the following various risk characteristics for each loan segment. Risk characteristics relevant to each portfolio segment are as follows: • Residential – One to Four Family – The Bank primarily originates conventional loans with loan-to-value ratios less than 95% and generally originates loans with loan-to-value ratios in excess of 80% only when secured by first liens on owner-occupied one- to four-family residences. Loans with loan-to-value ratios in excess of 80% generally require private mortgage insurance or additional collateral. All loans in this segment are collateralized by owner-occupied residential real estate and repayment is dependent on the credit quality of the individual borrower. The overall health of the economy, including unemployment rates and housing prices, will have an effect on the credit quality of this segment. • Multi-family and Commercial – Loans in this segment are originated to acquire, develop, improve or refinance multi-family and commercial real estate where the property is the primary collateral securing the loan, and the income generated from the property is the primary repayment source. The underlying cash flows generated by the properties can be impacted by the economy as evidenced by increased vacancy rates. Payments on loans secured by income-producing properties often depend on the successful operation and management of the properties. Management continually monitors the cash flows of these loans. • Construction – This segment includes loans to individuals and, to a lesser extent, builders to finance the construction of residential dwellings. The Bank also originates construction loans for commercial development projects. Upon the completion of construction, the loan generally converts to a permanent mortgage loan. Credit risk is affected by cost overruns, whether estimates of the sale price of the property are correct, the time it takes to sell at an adequate price and market conditions. • Commercial Business – Loans in this segment are made to businesses and are generally secured by assets of the business. Repayment is expected from the cash flows of the business. A weakened economy and reduced viability of the industry in which the customer operates will have a negative impact on the credit quality in this segment. The Bank provides loans to investors in the time share industry, which are secured by consumer receivables, and provides loans for capital improvements to condominium associations, which are secured by the assigned rights to levy special assessments to condominium owners. Additionally, the Bank purchases loans primarily out of our market area from a company specializing in medical loans, which are secured by medical equipment. • Consumer – Loans in this segment primarily include home equity lines of credit (representing both first and second liens) and, to a lesser extent, loans secured by marketable securities, passbook or certificate accounts, motorcycles, automobiles and recreational vehicles, as well as unsecured loans. Consumer loan collections depend on the borrower’s continuing financial stability, and therefore, are more likely to be adversely affected by job loss, divorce, illness or personal bankruptcy. In computing the allowance for loan losses, we do not assign a general valuation allowance to the Small Business Administration (“SBA”) and United States Department of Agriculture (“USDA”) loans that we purchase as such loans are fully guaranteed. These loans are included in commercial business loans. The majority of the Company's loans are collateralized by real estate located in eastern Connecticut and Rhode Island. To a lesser extent, certain commercial real estate loans are secured by collateral located outside of our primary market area with concentrations in Massachusetts and New Hampshire. Accordingly, the collateral value of a substantial portion of the Company's loan portfolio and real estate acquired through foreclosure is susceptible to changes in local market conditions. Although management believes it uses the best information available to establish the allowance for loan losses, future adjustments to the allowance for loan losses may be necessary and the Company’s results of operations could be adversely affected if circumstances differ substantially from the assumptions used in making the determinations. Furthermore, while management believes it has established the allowance for loan losses in conformity with GAAP, our regulators, in reviewing the loan portfolio, may request us to increase our allowance for loan losses based on judgments different from ours. In addition, because future events affecting borrowers and collateral cannot be predicted with certainty, the existing allowance for loan losses may not be adequate or increases may be necessary should the quality of any loans deteriorate as a result of the factors discussed above. Any material increase in the allowance for loan losses would adversely affect the Company’s financial condition and results of operations. Interest and Fees on Loans Interest on loans is accrued and included in net interest income based on contractual rates applied to principal amounts outstanding. Accrual of interest is discontinued when loan payments are 90 days or more past due, based on contractual terms, or when, in the judgment of management, collectibility of the loan or loan interest becomes uncertain. Subsequent recognition of income occurs only to the extent payment is received subject to management's assessment of the collectibility of the remaining interest and principal. A nonaccrual loan is restored to accrual status when it is no longer delinquent and collectibility of interest and principal is no longer in doubt and the borrower has made regular payments in accordance with the terms of the loan over a period of at least six months. Interest collected on nonaccrual loans is recognized only to the extent cash payments are received, and may be recorded as a reduction to principal if the collectibility of the principal balance of the loan is unlikely. Loan origination fees, direct loan origination costs and loan purchase premiums are deferred, and the net amount is recognized as an adjustment of the related loan's yield utilizing the interest method over the contractual life of the loan. In addition, discounts related to fair value adjustments for loans receivable acquired in a business combination or asset purchase are accreted into earnings over the contractual term as an adjustment of the related loan's yield. The Company periodically evaluates the cash flows expected to be collected for loans acquired with deteriorated credit quality. Changes in the expected cash flows compared to the expected cash flows as of the date of acquisition may impact the accretable yield or result in a charge to the provision for loan losses to the extent of a shortfall. Leases The Company leases certain properties and equipment under operating leases. For leases in effect upon adoption of Accounting Standards Update 2016-02 - Leases (Topic 842) at January 1, 2019 and for any leases commencing thereafter, the Company recognized a liability to make lease payments, the "lease liability," and an asset representing the right to use the underlying asset during the lease term, the "right-of-use asset." The lease liability is measured at the present value of the remaining lease payments, discounted at the Company's incremental borrowing rate. The right-of-use asset is measured at the amount of the lease liability adjusted for the remaining balance of the lease incentives received, any cumulative prepaid or accrued rent if the lease payments are uneven throughout the term, any unamortized initial direct costs and any impairment of the right-of-use asset. Operating lease expense consists of a single lease cost calculated so that the remaining cost of the lease is allocated over the remaining lease term on a straight-line basis, variable lease payments not included in the lease liability and any impairment of the right-of-use asset. Certain of the Company's leases contain options to renew the lease; however, these renewal options are not included in the calculation of the lease liabilities as they are not reasonably certain to be exercised. The Company's leases do not contain residual value guarantees or material variable lease payments. The Company does not have any material restrictions or covenants imposed by leases that would impact the Company's ability to pay dividends or cause the Company to incur additional financial obligations. The Company has made an accounting policy election to not apply the recognition requirements in Topic 842 to short-term leases. The Company has also elected to use the practical expedient to make an accounting policy election for property leases to include both lease and nonlease components as a single component and account for it as a lease. The Company's leases are not complex; therefore there were no significant assumptions or judgments made in applying the requirements of Topic 842, including the determination of whether the contracts contained a lease, the allocation of consideration in the contracts between lease and nonlease components and the determination of the discount rates for the leases. Common Share Repurchases The Company is chartered in Maryland. Maryland law does not provide for treasury shares, rather shares repurchased by the Company constitute authorized but unissued shares. GAAP states that accounting for treasury stock shall conform to state law. Therefore, the cost of shares repurchased by the Company is allocated to common stock, additional paid-in capital and retained earnings balances. Recent Accounting Pronouncements Leases (Topic 842) - In February 2016, the Financial Accounting Standards Board ("FASB") issued amended guidance to increase transparency and comparability among organizations by recognizing lease assets and lease liabilities on the balance sheet and disclosing key information about leasing arrangements. Disclosures are required by lessees and lessors to meet the objective of enabling users of financial statements to assess the amount, timing and uncertainty of cash flows arising from leases. In transition, lessees and lessors are required to recognize and measure leases at the beginning of the earliest period presented using a modified retrospective approach. The modified retrospective approach includes a number of optional practical expedients that entities may elect to apply. An entity that elects to apply the practical expedients will, in effect, continue to account for leases that commence before the effective date in accordance with previous GAAP unless the lease is modified, except that lessees are required to recognize a right-of-use asset and a lease liability for all operating leases at each reporting date based on the present value of the remaining minimum rental payments that were tracked and disclosed under previous GAAP. The amendments in this update became effective for fiscal years beginning after December 15, 2018, including interim periods within those fiscal years. The new standard was adopted by the Company on January 1, 2019. The Company elected to to apply the new standard as of the beginning of the period of adoption (January 1, 2019) and did restate comparative periods. The initial balance sheet gross up upon adoption was primarily related to operating leases of certain real estate properties. The Company has no finance leases or material subleases or leasing arrangements for which it is the lessor of property or equipment. The Company has elected to apply the package of practical expedients allowed by the new standard under which the Company need not reassess whether any expired or existing contracts are leases or contain certain leases, the Company need not reassess the lease classification for any expired or existing lease, and the Company need not reassess initial direct costs for any existing leases. Adoption of this standard is not expected to materially change the Company's recognition of lease expense in future periods. See Note 10 - Operating Leases - Right of Use Assets for additional disclosures related to leases. Financial Instruments - Credit Losses (Topic 326): In June 2016, the FASB issued guidance that significantly changes how entities will measure credit losses for most financial assets and certain other instruments that are not measured at fair value through net income. The update will replace today's "incurred loss" approach with an "expected loss" model. The new model, referred to as the current expected credit loss ("CECL") model, will apply to (1) financial assets subject to credit losses and measured at amortized cost and (2) certain off-balance sheet credit exposures. This includes, but is not limited to, loans, leases, held-to-maturity securities, loan commitments and financial guarantees. The CECL model does not apply to available for sale ("AFS") debt securities. For AFS debt securities with unrealized losses, entities will measure credit losses in a manner similar to current accounting guidance, except that losses will be recognized as allowances rather than reductions in the amortized cost of the securities. The update also simplifies the accounting model for purchased credit-impaired debt securities and loans. Disclosure requirements under the update have been expanded to include the entity's assumptions, models and methods for estimating the allowance for loan and lease losses. In addition, entities will need to disclose the amortized cost balance for each class of financial asset by credit quality indicator, disaggregated by year of origination. The update is effective for interim and annual reporting periods beginning after December 15, 2019; early adoption is permitted for interim and annual periods beginning after December 15, 2018. The update requires a modified retrospective transition under which a cumulative-effect adjustment to equity will be recognized in the period of adoption. Management has developed a focus team that is reviewing and monitoring additional developments and accounting guidance to determine the impact to the Company's consolidated financial statements. Management is evaluating the models and related requirements and is developing an implementation plan. Intangibles - Goodwill and Other - Simplifying the Test for Goodwill Impairment (Topic 350): In January, 2017, the FASB issued guidance aimed at simplifying the subsequent measurement of goodwill. Under these amendments, an entity should perform its annual or interim goodwill impairment test by comparing the fair value of reporting unit with its carrying amount. An entity should recognize an impairment charge for the amount by which the carrying amount exceeds the reporting unit's fair value; however, the loss recognized should not exceed the total amount of goodwill allocated to that reporting unit. Additionally, an entity should consider income tax effects from tax deductible goodwill on the carrying amount of a reporting unit when measuring the goodwill impairment loss, if applicable. The Board also eliminated the requirements for any reporting unit with a zero or negative carrying amount to perform a qualitative assessment and, if it fails that qualitative test, to perform Step 2 of the goodwill impairment test. Therefore, the same impairment assessment applies to all reporting units. An entity is required to disclose the amount of goodwill allocated to each reporting unit with a zero or negative carrying amount of net assets. An entity still has the option to perform the qualitative assessment for a reporting unit to determine if the quantitative impairment test is necessary. The amendments in this update should be applied on a prospective basis and are effective for annual goodwill impairment tests in fiscal years beginning after December 15, 2019. The Company does not expect the adoption of this guidance to have a material impact on its consolidated financial statements. Receivables - Nonrefundable Fees and Other Costs (Subtopic 310-20): In March 2017, the FASB issued guidance shortening the amortization period for certain callable debt securities held at a premium. Specifically, the amendments require the premium to be amortized to the earliest call date. The amendments do not require an accounting change for securities held at a discount; the discount continues to be amortized to maturity. The amendments in this update are effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2018. The amendments in this update should be applied on a modified retrospective basis through a cumulative-effect adjustment directly to retained earnings as of the beginning of the period of adoption. Additionally, in the period of adoption, an entity should provide disclosures about a change in accounting principle. The adoption of this guidance on January 1, 2019 did not have a material impact on the Company's consolidated financial statements due to limited holdings with callable features. Fair Value Measurement (Topic 820): In August 2018, the FASB issued guidance which removes, modifies and adds disclosure requirements related to fair value measurements. The amendments in this update become effective for fiscal years and interim periods within those fiscal years, beginning after December 15, 2019. Certain amendments are to be applied prospectively for only the most recent interim or annual period presented in the initial fiscal year of adoption. All other amendments should be applied retrospectively to all periods presented upon their effective date. Early adoption is permitted. The Company does not expect the adoption of this guidance to have a material impact on its consolidated financial statements.

EARNINGS PER SHARE

EARNINGS PER SHARE	3 Months Ended
	Mar. 31, 2019
Earnings Per Share [Abstract]
EARNINGS (LOSS) PER SHARE	EARNINGS PER SHARE Basic earnings per share is calculated by dividing the net income available to common shareholders by the weighted average number of common shares outstanding during the period. Unvested restricted shares are considered outstanding in the computation of basic earnings per share since the shares participate in dividends and the rights to the dividends are non-forfeitable. Diluted earnings per share is computed in a manner similar to basic earnings per share except that the weighted average number of common shares outstanding is increased to include the incremental common shares (as computed using the treasury stock method) that would have been outstanding if all potentially dilutive common stock equivalents were issued during the period. The Company’s common stock equivalents relate solely to stock options. Repurchased common shares and unallocated common shares held by the Bank’s ESOP are not deemed outstanding for earnings per share calculations. Anti-dilutive shares are common stock equivalents with weighted average exercise prices in excess of the weighted average market value for the periods presented, and are not considered in diluted earnings per share calculations. The Company had anti-dilutive common shares outstanding of 129,422 and 133,342 for the three months ended March 31, 2019 and 2018 , respectively. The computation of earnings per share is as follows: Three Months Ended 2019 2018 (Dollars in Thousands, Except Per Share Amounts) Net income $ 3,134 $ 2,006 Weighted average common shares outstanding: Basic 11,769,717 11,909,028 Effect of dilutive stock options 33,352 86,270 Diluted 11,803,069 11,995,298 Earnings per share: Basic $ 0.27 $ 0.17 Diluted $ 0.27 $ 0.17

SECURITIES

SECURITIES	3 Months Ended
	Mar. 31, 2019
Investments, Debt and Equity Securities [Abstract]
SECURITIES [Text Block]	SECURITIES The amortized cost, gross unrealized gains and losses and fair values of available for sale securities at March 31, 2019 and December 31, 2018 are as follows: March 31, 2019 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value (In Thousands) Debt securities: U.S. Government and agency obligations $ 55,678 $ 359 $ (1,068 ) $ 54,969 Government-sponsored enterprises 9,974 43 (18 ) 9,999 Mortgage-backed securities: (1) Agency - residential 70,985 253 (1,022 ) 70,216 Non-agency - residential 48 — (4 ) 44 Collateralized debt obligation 772 40 — 812 Obligations of state and political subdivisions 500 — — 500 Tax-exempt securities 2,509 30 — 2,539 Total available for sale securities $ 140,466 $ 725 $ (2,112 ) $ 139,079 (1) Agency securities refer to debt obligations issued or guaranteed by government corporations or government-sponsored enterprises (“GSEs”). Non-agency securities, or private-label securities, are the sole obligation of their issuer and are not guaranteed by any of the GSEs or the U.S. Government. December 31, 2018 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value (In Thousands) Debt securities: U.S. Government and agency obligations $ 58,296 $ 145 $ (1,403 ) $ 57,038 Government-sponsored enterprises 9,969 39 (63 ) 9,945 Mortgage-backed securities: (1) Agency - residential 74,412 113 (1,586 ) 72,939 Non-agency - residential 51 — (4 ) 47 Collateralized debt obligation 786 40 — 826 Obligations of state and political subdivisions 500 — — 500 Tax-exempt securities 2,516 13 (2 ) 2,527 Total available for sale securities $ 146,530 $ 350 $ (3,058 ) $ 143,822 (1) Agency securities refer to debt obligations issued or guaranteed by government corporations or GSEs. Non-agency securities, or private-label securities, are the sole obligation of their issuer and are not guaranteed by any of the GSEs or the U.S. Government. The amortized cost and fair value of debt securities by contractual maturities at March 31, 2019 are presented below. Maturities are based on the final contractual payment dates and do not reflect the impact of potential prepayments or early redemptions. Because mortgage-backed securities are not due at a single maturity date, they are not included in the maturity categories in the following maturity summary. Amortized Cost Fair Value (In Thousands) Within 1 year $ 6,516 $ 6,496 After 1 but within 5 years 21,966 21,888 After 5 but within 10 years 3,099 3,139 After 10 years 37,852 37,296 69,433 68,819 Mortgage-backed securities 71,033 70,260 Total debt securities $ 140,466 $ 139,079 There were no sales of available for sale securities for the three months ended March 31, 2019 and 2018 . The following tables present information pertaining to securities with gross unrealized losses at March 31, 2019 and December 31, 2018 , aggregated by investment category and length of time the individual securities have been in a continuous unrealized loss position. Less Than 12 Months 12 Months or More Total March 31, 2019 Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses (In Thousands) U.S. Government and agency obligations $ — $ — $ 35,362 $ 1,068 $ 35,362 $ 1,068 Government-sponsored enterprises — — 6,961 18 6,961 18 Mortgage-backed securities: Agency - residential 2,272 22 46,758 1,000 49,030 1,022 Non-agency - residential — — 44 4 44 4 Total $ 2,272 $ 22 $ 89,125 $ 2,090 $ 91,397 $ 2,112 Less Than 12 Months 12 Months or More Total December 31, 2018 Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses (In Thousands) U.S. Government and agency obligations $ 2,982 $ 12 $ 35,673 $ 1,391 $ 38,655 $ 1,403 Government-sponsored enterprises 2,962 9 3,949 54 6,911 63 Mortgage-backed securities: Agency - residential 5,310 22 51,840 1,564 57,150 1,586 Non-agency - residential — — 47 4 47 4 Tax-exempt securities 321 1 540 1 861 2 Total $ 11,575 $ 44 $ 92,049 $ 3,014 $ 103,624 $ 3,058 At March 31, 2019 , 64 debt securities with gross unrealized losses had an aggregate depreciation of 2.3% of the Company’s amortized cost basis. The unrealized losses are primarily related to the Company’s agency mortgage-backed securities and U.S. Government and agency obligations. There were no investments deemed other-than-temporarily impaired for the three months ended March 31, 2019 and 2018 . The following summarizes, by security type, the basis for management’s determination during the preparation of the financial statements of whether the applicable investments within the Company’s securities portfolio were not other-than-temporarily impaired at March 31, 2019 . U.S. Government and Agency Obligations and Mortgage-backed Securities - Agency - Residential. The unrealized losses on the Company’s U.S. Government and agency obligations and mortgage-backed agency-residential securities related primarily to a widening of the rate spread to comparable treasury securities. The Company does not expect these securities to settle at a price less than the par value of the securities. Government Sponsored Enterprises. The unrealized losses on the Company's government-sponsored enterprises were also caused by interest rate movement. The contractual cash flows of these investments are guaranteed by a government-sponsored agency. Accordingly, it is expected that the securities would not be settled at a price less than the amortized cost of our investment. Mortgage-backed Securities - Non-Agency - Residential. The unrealized losses on the Company's non-agency-residential mortgage-backed securities relate to one investment which has been evaluated by management and no potential credit loss was identified.

LOANS RECEIVABLE AND ALLOWANCE

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES	3 Months Ended
	Mar. 31, 2019
Receivables [Abstract]
Loans, Notes, Trade and Other Receivables Disclosure [Text Block]	LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES Loan Portfolio The composition of the Company’s loan portfolio at March 31, 2019 and December 31, 2018 is as follows: March 31, 2019 December 31, 2018 (In Thousands) Real estate loans: Residential - 1 to 4 family $ 379,203 $ 384,353 Multi-family and commercial 597,033 568,889 Construction 43,467 43,320 Total real estate loans 1,019,703 996,562 Commercial business loans: SBA and USDA guaranteed 64,389 68,481 Time share 37,759 39,391 Condominium association 33,710 35,899 Medical loans 37,244 37,454 Other 85,429 97,220 Total commercial business loans 258,531 278,445 Consumer loans: Home equity 48,076 47,502 Other 1,742 1,569 Total consumer loans 49,818 49,071 Total loans 1,328,052 1,324,078 Deferred loan origination costs, net of fees 3,390 3,169 Allowance for loan losses (15,213 ) (14,682 ) Loans receivable, net $ 1,316,229 $ 1,312,565 The Company purchased commercial loans totaling $12.6 million during the three months ended March 31, 2019 . For the twelve months ended December 31, 2018 , the Company purchased commercial loans totaling $56.0 million . Allowance for Loan Losses Changes in the allowance for loan losses for the three months ended March 31, 2019 and 2018 are as follows: Three Months Ended Residential - 1 to 4 Family Multi-family and Commercial Construction Commercial Business Consumer Total (In Thousands) Balance at beginning of period $ 1,196 $ 8,140 $ 1,120 $ 3,599 $ 627 $ 14,682 Provision (credit) for loan losses (55 ) 538 21 19 (5 ) 518 Loans charged-off — — — — (1 ) (1 ) Recoveries of loans previously charged-off — 2 — 12 — 14 Balance at end of period $ 1,141 $ 8,680 $ 1,141 $ 3,630 $ 621 $ 15,213 Three Months Ended Residential - 1 to 4 Family Multi-family and Commercial Construction Commercial Business Consumer Total (In Thousands) Balance at beginning of period $ 1,093 $ 6,627 $ 633 $ 3,308 $ 673 $ 12,334 Provision (credit) for loan losses 104 326 94 225 (24 ) 725 Loans charged-off — — — (64 ) — (64 ) Recoveries of loans previously charged-off — — — 9 — 9 Balance at end of period $ 1,197 $ 6,953 $ 727 $ 3,478 $ 649 $ 13,004 Further information pertaining to the allowance for loan losses at March 31, 2019 and December 31, 2018 is as follows: March 31, 2019 Residential - 1 to 4 Family Multi-family and Commercial Construction Commercial Business Consumer Total (In Thousands) Allowance for loans individually evaluated and deemed to be impaired $ 324 $ 1,531 $ — $ 265 $ 21 $ 2,141 Allowance for loans individually or collectively evaluated and not deemed to be impaired 817 7,149 1,141 3,365 600 13,072 Allowance for loans acquired with deteriorated credit quality — — — — — — Total loan loss allowance $ 1,141 $ 8,680 $ 1,141 $ 3,630 $ 621 $ 15,213 Loans individually evaluated and deemed to be impaired $ 6,060 $ 10,048 $ — $ 490 $ 405 $ 17,003 Loans individually or collectively evaluated and not deemed to be impaired 373,143 586,661 43,467 258,041 49,413 1,310,725 Amount of loans acquired with deteriorated credit quality — 324 — — — 324 Total loans $ 379,203 $ 597,033 $ 43,467 $ 258,531 $ 49,818 $ 1,328,052 December 31, 2018 Residential - 1 to 4 Family Multi-family and Commercial Construction Commercial Business Consumer Total (In Thousands) Allowance for loans individually evaluated and deemed to be impaired $ 283 $ 1,346 $ — $ 266 $ 27 $ 1,922 Allowance for loans individually or collectively evaluated and not deemed to be impaired 913 6,794 1,120 3,333 600 12,760 Allowance for loans acquired with deteriorated credit quality — — — — — — Total loan loss allowance $ 1,196 $ 8,140 $ 1,120 $ 3,599 $ 627 $ 14,682 Loans individually evaluated and deemed to be impaired $ 5,837 $ 12,056 $ — $ 495 $ 307 $ 18,695 Loans individually or collectively evaluated and not deemed to be impaired 378,516 556,173 43,320 277,950 48,764 1,304,723 Amount of loans acquired with deteriorated credit quality — 660 — — — 660 Total loans $ 384,353 $ 568,889 $ 43,320 $ 278,445 $ 49,071 $ 1,324,078 Past Due Loans The following represents an aging of loans at March 31, 2019 and December 31, 2018 : March 31, 2019 30-59 Days Past Due 60-89 Days Past Due 90 Days or More Past Due Total 30 Days or More Past Due Current Total Loans Past Due 90 Days or More and Accruing (In Thousands) Real Estate: Residential - 1 to 4 family $ 6,913 $ 711 $ 2,128 $ 9,752 $ 369,451 $ 379,203 $ — Multi-family and commercial 7,337 3,211 838 11,386 585,647 597,033 335 Construction 212 — — 212 43,255 43,467 — Commercial Business: SBA and USDA guaranteed 602 — — 602 63,787 64,389 — Time share — — — — 37,759 37,759 — Condominium association — — — — 33,710 33,710 — Medical loans — — — — 37,244 37,244 — Other 3,690 — 322 4,012 81,417 85,429 — Consumer: Home equity 437 167 220 824 47,252 48,076 — Other 5 1 — 6 1,736 1,742 — Total $ 19,196 $ 4,090 $ 3,508 $ 26,794 $ 1,301,258 $ 1,328,052 $ 335 December 31, 2018 30-59 Days Past Due 60-89 Days Past Due 90 Days or More Past Due Total 30 Days or More Past Due Current Total Loans Past Due 90 Days or More and Accruing (In Thousands) Real Estate: Residential - 1 to 4 family $ 5,585 $ 1,233 $ 2,331 $ 9,149 $ 375,204 $ 384,353 $ — Multi-family and commercial 1,441 295 1,513 3,249 565,640 568,889 522 Construction — — — — 43,320 43,320 — Commercial Business: SBA and USDA guaranteed 993 — — 993 67,488 68,481 — Time share — — — — 39,391 39,391 — Condominium association — — — — 35,899 35,899 — Medical loans 43 — — 43 37,411 37,454 — Other 324 — 325 649 96,571 97,220 — Consumer: Home equity 247 54 109 410 47,092 47,502 — Other 2 1 1 4 1,565 1,569 — Total $ 8,635 $ 1,583 $ 4,279 $ 14,497 $ 1,309,581 $ 1,324,078 $ 522 Impaired and Nonaccrual Loans The following is a summary of impaired loans and nonaccrual loans at March 31, 2019 and December 31, 2018 : Impaired Loans (1) March 31, 2019 Recorded Investment Unpaid Principal Balance Related Allowance Nonaccrual Loans (In Thousands) Impaired loans without valuation allowance: Real Estate: Residential - 1 to 4 family $ 3,860 $ 3,860 $ 3,153 Multi-family and commercial 4,474 4,671 1,614 Commercial business - Other 65 65 65 Consumer: Home equity 253 253 253 Other — — 2 Total impaired loans without valuation allowance 8,652 8,849 5,087 Impaired loans with valuation allowance: Real Estate: Residential - 1 to 4 family 2,200 2,211 $ 324 612 Multi-family and commercial 5,898 5,898 1,531 2,108 Commercial business - Other 425 1,053 265 257 Consumer home equity 152 152 21 53 Total impaired loans with valuation allowance 8,675 9,314 2,141 3,030 Total impaired loans $ 17,327 $ 18,163 $ 2,141 $ 8,117 (1) Includes loans acquired with deteriorated credit quality from the Newport Federal Savings Bank ("Newport") merger and performing troubled debt restructurings. Impaired Loans (1) December 31, 2018 Recorded Investment Unpaid Principal Balance Related Allowance Nonaccrual Loans (In Thousands) Impaired loans without valuation allowance : Real Estate: Residential - 1 to 4 family $ 3,863 $ 3,863 $ 3,153 Multi-family and commercial 7,854 7,854 2,996 Commercial business - Other 68 68 68 Consumer: Consumer - Home equity 172 172 172 Consumer - Indirect automobile — — 2 Total impaired loans without valuation allowance 11,957 11,957 6,391 Impaired loans with valuation allowance: Real Estate: Residential - 1 to 4 family 1,974 1,985 $ 283 504 Multi-family and commercial 4,862 4,862 1,346 2,108 Commercial business - Other 427 1,055 266 257 Consumer - Home equity 135 135 27 36 Total impaired loans with valuation allowance 7,398 8,037 1,922 2,905 Total impaired loans $ 19,355 $ 19,994 $ 1,922 $ 9,296 (1) Includes loans acquired with deteriorated credit quality from the Newport merger and performing troubled debt restructurings. The Company reviews and establishes, if necessary, an allowance for certain impaired loans for the amount by which the present value of expected cash flows (or observable market price of loan or fair value of the collateral if the loan is collateral dependent) are lower than the carrying value of the loan. For the periods presented, the Company concluded that certain impaired loans required no valuation allowance as a result of management’s measurement of impairment. No additional funds are committed to be advanced to those borrowers whose loans are deemed impaired without prior approval of the Loan Committee or the Board of Directors. Additional information related to impaired loans is as follows: Three Months Ended Average Recorded Investment Interest Income Recognized Interest Income Recognized on Cash Basis (In Thousands) Real Estate: Residential - 1 to 4 family $ 6,115 $ 42 $ 19 Multi-family and commercial 10,736 213 106 Commercial business other 1,134 10 — Consumer: Consumer home equity 356 4 3 Other 2 — — Total $ 18,343 $ 269 $ 128 Three Months Ended Average Recorded Investment Interest Income Recognized Interest Income Recognized on Cash Basis (In Thousands) Real Estate: Residential - 1 to 4 family $ 5,462 $ 28 $ — Multi-family and commercial 10,245 104 6 Commercial business: Medical loans 46 — — Other 1,402 22 14 Consumer: Home equity 340 1 — Other 1 — — Total $ 17,496 $ 155 $ 20 Credit Quality Information The Company utilizes an eight-grade internal loan rating system for all loans in the portfolio, with the exception of its purchased SBA and USDA commercial business loans that are fully guaranteed by the U.S. government, as follows: o Pass (Ratings 1-4): Loans in these categories are considered low to average risk. o Special Mention (Rating 5): Loans in this category are starting to show signs of potential weakness and are being closely monitored by management. o Substandard (Rating 6): Generally, a loan is considered substandard if it is inadequately protected by the current net worth and paying capacity of the obligors and/or the collateral pledged. There is a distinct possibility that the Company will sustain some loss if the weakness is not corrected. o Doubtful (Rating 7): Loans classified as doubtful have all the weaknesses inherent in those classified substandard with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, highly questionable and improbable. o Loss (Rating 8): Loans in this category are considered uncollectible and of such little value that their continuance as assets is not warranted. Management periodically reviews the ratings described above and the Company’s internal audit function reviews components of the credit files, including the assigned risk ratings, of certain commercial loans as part of its loan review. The following tables present the Company’s loans by risk rating at March 31, 2019 and December 31, 2018 : March 31, 2019 Not Rated Pass Special Mention Substandard Doubtful Loss Total (In Thousands) Real Estate: Residential - 1 to 4 family $ — $ 370,722 $ 1,439 $ 7,042 $ — $ — $ 379,203 Multi-family and commercial — 562,416 11,006 23,611 — — 597,033 Construction — 33,763 9,704 — — — 43,467 Total real estate loans — 966,901 22,149 30,653 — — 1,019,703 Commercial Business: SBA and USDA guaranteed 64,389 — — — — — 64,389 Time share — 37,759 — — — — 37,759 Condominium association — 33,710 — — — — 33,710 Medical loans — 37,237 7 — — — 37,244 Other — 80,982 3,969 221 257 — 85,429 Total commercial business loans 64,389 189,688 3,976 221 257 — 258,531 Consumer: Home equity — 47,515 156 405 — — 48,076 Other — 1,741 — 1 — — 1,742 Total consumer loans — 49,256 156 406 — — 49,818 Total loans $ 64,389 $ 1,205,845 $ 26,281 $ 31,280 $ 257 $ — $ 1,328,052 December 31, 2018 Not Rated Pass Special Mention Substandard Doubtful Loss Total (In Thousands) Real Estate: Residential - 1 to 4 family $ — $ 375,896 $ 1,323 $ 7,134 $ — $ — $ 384,353 Multi-family and commercial — 531,630 12,636 24,623 — — 568,889 Construction — 33,670 9,650 — — — 43,320 Total real estate loans — 941,196 23,609 31,757 — — 996,562 Commercial Business: SBA and USDA guaranteed 68,481 — — — — — 68,481 Time share — 39,391 — — — — 39,391 Condominium association — 35,899 — — — — 35,899 Medical loans — 37,439 — 15 — — 37,454 Other — 92,995 3,750 218 257 — 97,220 Total commercial business loans 68,481 205,724 3,750 233 257 — 278,445 Consumer: Home equity — 47,044 121 337 — — 47,502 Other — 1,567 — 2 — — 1,569 Total consumer loans — 48,611 121 339 — — 49,071 Total loans $ 68,481 $ 1,195,531 $ 27,480 $ 32,329 $ 257 $ — $ 1,324,078 The following tables provide information on loans modified as TDRs during the three months ended March 31, 2019 and 2018 . During the modification process, there were no loan charge-offs or principal reductions for the loans included in the table below. Three Months Ended March 31, 2019 2018 Allowance for Loan Losses (End of Period) Allowance for Loan Losses (End of Period) Number of Loans Recorded Investment Number of Loans Recorded Investment (Dollars in Thousands) Residential - 1 to 4 family — $ — $ — 2 $ 362 $ 61 Consumer - Home equity — — — 1 100 10 Total — $ — $ — 3 $ 462 $ 71 The following table provides the recorded investment, by type of modification, during the three months ended March 31, 2019 and 2018 for modified loans identified as TDRs. Three Months Ended March 31, 2019 2018 (In Thousands) Interest rate adjustments $ — $ 77 Combination of rate and payment (1) — 385 Total $ — $ 462 (1) Terms include combination of rate adjustments and interest-only payment with deferral of principal. There were no TDRs in payment default (defined as 90 days or more past due) within twelve months of restructure for the three months ended March 31, 2019 and March 31, 2018 . As of March 31, 2019 , the Company held $1.8 million in consumer mortgage loans collateralized by residential real estate properties that are in the process of foreclosure according to local requirements of the applicable jurisdiction. Loans Acquired with Deteriorated Credit Quality The following is a summary of loans acquired from Newport with evidence of credit deterioration as of March 31, 2019 and December 31, 2018 . Contractual Required Payments Receivable Cash Expected To Be Collected Non-Accretable Discount Accretable Yield Loans Receivable (In Thousands) Balance at December 31, 2018 $ 798 $ 660 $ 138 $ 20 $ 640 Collections (7 ) (7 ) — (1 ) (6 ) Dispositions (310 ) (310 ) — — (310 ) Balance at March 31, 2019 $ 481 $ 343 $ 138 $ 19 $ 324

PREMISES AND EQUIPMENT

PREMISES AND EQUIPMENT	3 Months Ended
	Mar. 31, 2019
Property, Plant and Equipment [Abstract]
Premises and Equipment Disclosure [Text Block]	PREMISES AND EQUIPMENT Premises and equipment at March 31, 2019 and December 31, 2018 are summarized as follows: March 31, 2019 December 31, 2018 (In Thousands) Land $ 4,746 $ 4,746 Buildings 13,911 13,829 Leasehold improvements 12,703 12,635 Furniture and equipment 13,371 13,525 44,731 44,735 Accumulated depreciation and amortization (25,499 ) (25,183 ) Premises and equipment, net $ 19,232 $ 19,552

OTHER COMPREHENSIVE (LOSS) INCO

OTHER COMPREHENSIVE (LOSS) INCOME	3 Months Ended
	Mar. 31, 2019
Stockholders' Equity Note [Abstract]
OTHER COMPREHENSIVE (LOSS) INCOME	OTHER COMPREHENSIVE LOSS Accounting principles generally require that recognized revenue, expenses, gains and losses be included in net income. Although certain changes in assets and liabilities are reported as a separate component of shareholders’ equity on the balance sheet, such items along with net income are components of comprehensive income. Components of other comprehensive loss and related tax effects are as follows: Three Months Ended March 31, 2019 Before Tax Amount Tax Effects Net of Tax Amount Securities: (In Thousands) Unrealized holding gains on available for sale securities $ 1,321 $ (278 ) $ 1,043 Other comprehensive income $ 1,321 $ (278 ) $ 1,043 The components of accumulated other comprehensive loss included in shareholders’ equity are as follows: March 31, 2019 Before Tax Amount Tax Effects Net of Tax Amount (In Thousands) Net unrealized losses on available for sale securities $ (1,387 ) $ 292 $ (1,095 ) Accumulated other comprehensive loss $ (1,387 ) $ 292 $ (1,095 ) December 31, 2018 Before Tax Amount Tax Effects Net of Tax Amount (In Thousands) Net unrealized losses on available for sale securities $ (2,708 ) $ 570 $ (2,138 ) Accumulated other comprehensive loss $ (2,708 ) $ 570 $ (2,138 )

REGULATORY CAPITAL

REGULATORY CAPITAL	3 Months Ended
	Mar. 31, 2019
Banking and Thrift [Abstract]
REGULATORY CAPITAL	REGULATORY CAPITAL The Bank is subject to regulatory capital requirements promulgated by federal bank regulatory agencies. Failure by the Bank to meet minimum capital requirements could result in certain mandatory and discretionary actions by regulators that could have a material adverse effect on our consolidated financial statements. Under Basel III capital requirements, the Bank must meet specific capital guidelines that involve quantitative measures of the Bank’s assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices. The Bank’s capital amounts and classifications are also subject to qualitative judgments by the regulators about components, risk weightings and other factors. Quantitative measures established by regulation require the Bank to maintain certain minimum capital amounts and ratios. Federal bank regulators require the Bank to maintain minimum ratios of core capital to adjusted average assets, common equity tier 1 capital to risk-weighted assets, tier 1 capital to risk-weighted assets and total risk-based capital to risk-weighted assets. At March 31, 2019 , the Bank met all the capital adequacy requirements to which they were subject and were “well capitalized” under the regulatory requirements. Management believes no conditions or events have occurred since March 31, 2019 that would materially adversely change the Bank’s capital classifications. Effective January 1, 2016, Basel III implemented a requirement for all banking organizations to maintain a capital conservation buffer exclusively composed of common equity tier 1 capital in an amount greater than 2.5% of total risk-weighted assets to avoid being subject to limitations on capital distributions, stock repurchases and discretionary bonus payments to executive officers. The capital conservation buffer increases the three risk-based capital ratios and has been phased in over a multi-year schedule with full compliance required by January 1, 2019. Management believes the Bank's capital level will remain characterized as "well-capitalized" under the new rules. As a result of the recently enacted Economic Growth, Regulatory Relief, and Consumer Protection Act, the Federal Reserve Board amended its Small Bank Holding Company Policy Statement to provide that bank holding companies and savings and loan companies with consolidated assets of less than $3 billion that (i) are not engaged in significant nonbanking activities, (ii) do not conduct significant off-balance sheet activities, and (iii) do not have a material amount of SEC-registered debt or equity securities, other than trust preferred securities, that contribute to an organization’s complexity, will no longer be subject to regulatory capital requirements, effective no later than November 2018. In addition, as a result of the legislation, the federal banking agencies are required to develop a “Community Bank Leverage Ratio” (the ratio of a bank’s tangible equity capital to average total consolidated assets) for financial institutions with assets of less than $10 billion. A “qualifying community bank” that exceeds this ratio will be deemed to be in compliance with all other capital and leverage requirements, including the capital requirements to be considered “well capitalized” under Prompt Corrective Action statutes. The federal banking agencies may consider a financial institution’s risk profile when evaluating whether it qualifies as a community bank for purposes of the capital ratio requirement. The federal banking agencies must set the minimum capital for the new Community Bank Leverage Ratio at not less than 8% and not more than 10%. A financial institution can elect to be subject to this new definition. The Bank's regulatory capital amounts and ratios at March 31, 2019 and December 31, 2018 , compared to the FDIC's requirements for classification as a well capitalized institution and for minimum capital adequacy, were as follows: Actual Minimum Capital Requirement Minimum To Be Well Capitalized March 31, 2019 Amount Ratio Amount Ratio Amount Ratio (Dollars in Thousands) Common Equity Tier 1 Capital $ 157,809 12.89 % $ 55,105 4.50 % $ 79,596 6.50 % Tier 1 Capital to Risk Weighted Assets 157,809 12.89 73,473 6.00 97,964 8.00 Total Capital to Risk Weighted Assets 173,121 14.14 97,964 8.00 122,455 10.00 Tier 1 Capital to Average Assets 157,809 9.68 65,194 4.00 81,493 5.00 Actual Minimum Capital Requirement Minimum To Be Well Capitalized December 31, 2018 Amount Ratio Amount Ratio Amount Ratio (Dollars in Thousands) Common Equity Tier 1 Capital $ 154,215 12.88 % $ 53,865 4.50 % $ 77,805 6.50 % Tier 1 Capital to Risk Weighted Assets 154,215 12.88 71,820 6.00 95,760 8.00 Total Capital to Risk Weighted Assets 169,182 14.13 95,760 8.00 119,700 10.00 Tier 1 Capital to Average Assets 154,215 9.58 64,374 4.00 80,468 5.00

FAIR VALUE OF ASSETS AND LIABIL

FAIR VALUE OF ASSETS AND LIABILITIES	3 Months Ended
	Mar. 31, 2019
Fair Value Disclosures [Abstract]
FAIR VALUE OF ASSETS AND LIABILITIES	FAIR VALUE OF ASSETS AND LIABILITIES Fair Value Hierarchy The Company groups its assets and liabilities in three levels based on the markets in which the assets and liabilities are traded and the reliability of the assumptions used to determine fair value. Transfers between levels are recognized at the end of a reporting period, if applicable. Level 1: Valuation is based on quoted prices in active markets for identical assets or liabilities. Level 1 assets and liabilities generally include debt and equity securities that are traded in an active exchange market. Valuations are obtained from readily available pricing sources for market transactions involving identical assets or liabilities. Level 2: Valuation is based on observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities. Level 3: Valuation is based on unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities. Level 3 assets and liabilities include assets or liabilities whose value is determined using unobservable inputs to pricing models, discounted cash flow methodologies, or similar techniques, as well as assets or liabilities for which the determination of fair value requires significant management judgment or estimation. Determination of Fair Value The Company uses fair value measurements to record fair value adjustments to certain assets and liabilities and to determine fair value disclosures. The fair value of assets and liabilities is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. Fair value is best determined based upon quoted market prices. However, in many instances, there are no quoted market prices for the Company’s various assets and liabilities. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. Accordingly, the fair value estimates may not be realized in an immediate settlement of the assets and liabilities. The following methods and assumptions were used by the Company in estimating fair value disclosures of its financial instruments: • Cash and cash equivalents. The carrying amounts of cash and cash equivalents approximate the fair values based on the short-term nature of the assets. • Securities available for sale. Included in the available for sale category are debt securities. The securities measured at fair value in Level 1 are based on quoted market prices in an active exchange market. Securities measured at fair value in Level 2 are based on pricing models that consider standard input factors such as observable market data, benchmark yields, interest rate volatilities, broker/dealer quotes, credit spreads and new issue data. The Company utilizes a nationally-recognized third-party pricing service to estimate fair value measurements for the majority of its portfolio. The pricing service evaluates each asset class based on relevant market information considering observable data, but these prices do not represent binding quotes. The fair value prices on all investments are reviewed for reasonableness by management. Securities measured at fair value in Level 3 include one collateralized debt obligation that was backed by a trust preferred security issued by banks and insurance companies. Management determined that an orderly and active market for this security and similar securities did not exist based on a significant reduction in trading volume and widening spreads relative to historical levels. The Company estimates future cash flows discounted using a rate management believes is representative of current market conditions. Factors in determining the discount rate include the current level of deferrals and/or defaults, changes in credit rating and the financial condition of the debtors within the underlying securities, broker quotes for securities with similar structure and credit risk, interest rate movements and pricing for new issuances. • Federal Home Loan Bank stock. The carrying value of Federal Home Loan Bank (“FHLB”) stock approximates fair value based on the redemption provisions of the FHLB. • Federal Reserve Bank stock. The carrying value of Federal Reserve Bank ("FRB") stock approximates fair value based on the redemption provisions of the FRB. • Loans held for sale. The fair value of loans held for sale is estimated using quoted market prices. • Loans receivable. For variable rate loans that reprice frequently and have no significant change in credit risk, fair values are based on carrying values. The fair value of fixed-rate loans are estimated by discounting the future cash flows using the rates at the end of the period in which similar loans would be made to borrowers with similar credit ratings and for the same remaining maturities. Fair values for nonperforming loans are estimated using discounted cash flow analyses or underlying collateral values, where applicable. • Accrued interest receivable. The carrying amount of accrued interest approximates fair value. • Deposits. The fair value of demand deposits, negotiable orders of withdrawal, regular savings, certain money market deposits and mortgagors’ and investors’ escrow accounts is the amount payable on demand at the reporting date. The fair value of certificates of deposit and other time deposits is estimated using a discounted cash flow calculation that applies interest rates currently being offered for deposits of similar remaining maturities to a schedule of aggregated expected maturities on such deposits. • Federal Home Loan Bank advances. The fair value of the advances is estimated using a discounted cash flow calculation that applies current FHLB interest rates for advances of similar maturity to a schedule of maturities of such advances. • Junior subordinated debt owed to unconsolidated trust. Rates currently available for debt with similar terms and remaining maturities are used to estimate fair value of existing debt. • Forward loan sale commitments and derivative loan commitments. Forward loan sale commitments and derivative loan commitments are based on the fair values of the underlying mortgage loans, including the servicing rights for derivative loan commitments, and the probability of such commitments being exercised. Significant management judgment and estimation is required in determining these fair value measurements. • Interest rate swap agreements. The fair value of interest rate swap agreements are obtained from a third-party pricing service and are determined using a discounted cash flow approach and utilize observable inputs such as the LIBOR swap curve, effective date, maturity date, notional amount and stated interest rate. Such derivatives do not have embedded interest rate caps or floors. • Off-balance sheet instruments. Fair values for off-balance sheet lending commitments are based on fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the counterparties' credit standings. Assets and Liabilities Measured at Fair Value on a Recurring Basis The following tables present assets and liabilities measured at fair value on a recurring basis as of March 31, 2019 and December 31, 2018 . The Company had no significant transfers into or out of Levels 1, 2 or 3 during the three months ended March 31, 2019 . March 31, 2019 Level 1 Level 2 Level 3 Total (In Thousands) Assets: U.S. Government and agency obligations $ 16,954 $ 38,015 $ — $ 54,969 Government-sponsored enterprises — 9,999 — 9,999 Mortgage-backed securities — 70,260 — 70,260 Collateralized debt obligation — — 812 812 Obligations of state and political subdivisions — 500 — 500 Tax-exempt securities — 2,539 — 2,539 Forward loan sale commitments and derivative loan commitments — — 71 71 Interest rate swap agreements — 3,163 — 3,163 Total assets $ 16,954 $ 124,476 $ 883 $ 142,313 Liabilities: Forward loan sale commitments $ — $ — $ 4 $ 4 Interest rate swap agreements — 3,163 — 3,163 Total liabilities $ — $ 3,163 $ 4 $ 3,167 December 31, 2018 Level 1 Level 2 Level 3 Total (In Thousands) Assets: U.S. Government and agency obligations $ 18,391 $ 38,647 $ — $ 57,038 Government-sponsored enterprises — 9,945 — 9,945 Mortgage-backed securities — 72,986 — 72,986 Collateralized debt obligation — — 826 826 Obligations of state and political subdivisions — 500 — 500 Tax-exempt securities — 2,527 — 2,527 Forward loan sale commitments and derivative loan commitments — — 89 89 Interest rate swap agreements — 1,533 — 1,533 Total assets $ 18,391 $ 126,138 $ 915 $ 145,444 Liabilities: Forward loan sale commitments $ — $ — $ 1 $ 1 Interest rate swap agreements — 1,533 — 1,533 Total liabilities $ — $ 1,533 $ 1 $ 1,534 The following table shows a reconciliation of the beginning and ending balances for Level 3 assets: Collateralized Debt Obligations Derivative Loan and Forward Loan Sale Commitments, Net (In Thousands) Balance at December 31, 2018 $ 826 $ 88 Total realized losses included in net income — (21 ) Principal payments and net accretion (14 ) — Balance at March 31, 2019 $ 812 $ 67 Assets and Liabilities Measured at Fair Value on a Nonrecurring Basis The Company may also be required from time to time to measure certain other financial assets on a nonrecurring basis in accordance with generally accepted accounting principles. These adjustments to fair value usually result from the application of lower-of-cost-or-market accounting or write-downs of individual assets. The following table summarizes the fair value hierarchy used to determine each adjustment and the carrying value of the related individual assets at March 31, 2019 and December 31, 2018 . There were no liabilities measured at fair value on a nonrecurring basis at March 31, 2019 and December 31, 2018 . At March 31, 2019 At December 31, 2018 Level 1 Level 2 Level 3 Level 1 Level 2 Level 3 (In Thousands) Impaired loans $ — $ — $ 993 $ — $ — $ 1,016 Other real estate owned — — 222 — — 720 Total assets $ — $ — $ 1,215 $ — $ — $ 1,736 The following table summarizes losses resulting from fair value adjustments for assets measured at fair value on a nonrecurring basis. Three Months Ended March 31, 2019 2018 (In Thousands) Impaired loans $ 241 $ 266 Other real estate owned — 26 Total losses $ 241 $ 292 The Company measures the impairment of loans that are collateral dependent based on the fair value of the collateral (Level 3). The fair value of collateral used by the Company represents the amount expected to be received from the sale of the property, net of selling costs, as determined by an independent, licensed or certified appraiser using observable market data. This data includes information such as selling price of similar properties, expected future cash flows or earnings of the subject property based on current market expectations, and relevant legal, physical and economic factors. The appraised values of collateral are adjusted as necessary by management based on observable inputs for specific properties. Losses applicable to write-downs of impaired loans are based on the appraised market value of the underlying collateral, assuming foreclosure of these loans is imminent, and are recorded through the provision for loan losses. The amount of other real estate owned represents the carrying value of the collateral based on the appraised value of the underlying collateral less estimated selling costs. The loss on foreclosed assets represents adjustments in the valuation recorded during the time period indicated and not for losses incurred on sales. Summary of Fair Values of Financial Instruments The estimated fair values and related carrying or notional amounts of the Company’s financial instruments are presented in the following table. Certain financial instruments and all nonfinancial instruments are exempt from disclosure requirements. Accordingly, the aggregate fair value amounts presented do not represent the underlying value of the Company. Management uses its best judgment in estimating the fair value of the Company's financial instruments; however, there are inherent weaknesses in any estimation technique. Therefore, for substantially all financial instruments, the fair value estimates presented herein are not necessarily indicative of the amounts the Company could have realized in a sales transaction at March 31, 2019 and December 31, 2018 . The estimated fair value amounts at March 31, 2019 and December 31, 2018 have been measured as of each respective date, and have not been re-evaluated or updated for purposes of the consolidated financial statements subsequent to those respective dates. As such, the estimated fair values of these financial instruments subsequent to the respective reporting dates may be different than the amounts reported at each period-end. The information presented should not be interpreted as an estimate of the fair value of the entire Company since a fair value calculation is only required for a limited portion of the Company's assets. Due to the wide range of valuation techniques and the degree of subjectivity used in making the estimate, comparisons between the Company's disclosures and those of other banks may not be meaningful. As of March 31, 2019 and December 31, 2018 , the recorded carrying amounts and estimated fair values of the Company's financial instruments are as follows: March 31, 2019 Carrying Amount Fair Value Level 1 Level 2 Level 3 Total (In Thousands) Financial Assets: Cash and cash equivalents $ 120,719 $ 120,719 $ — $ — $ 120,719 Available for sale securities 139,079 16,954 121,313 812 139,079 Loans held for sale 1,324 — — 1,379 1,379 Loans receivable, net 1,316,229 — — 1,306,251 1,306,251 Federal Home Loan Bank stock 8,168 — — 8,168 8,168 Federal Reserve Bank stock 3,638 — — 3,638 3,638 Accrued interest receivable 5,099 — — 5,099 5,099 Financial Liabilities: Deposits 1,317,009 — — 1,317,732 1,317,732 Mortgagors' and investors' escrow accounts 3,138 — — 3,138 3,138 Federal Home Loan Bank advances 151,621 — 150,413 — 150,413 Junior subordinated debt owed to unconsolidated trust 8,248 — — 6,439 6,439 On-balance Sheet Derivative Financial Instruments: Assets: Derivative loan commitments 25 — — 25 25 Forward loan sale commitments 46 — — 46 46 Interest rate swap agreements 3,163 — 3,163 — 3,163 Liabilities: Forward loan sale commitments 4 — — 4 4 Interest rate swap agreements 3,163 — 3,163 — 3,163 December 31, 2018 Carrying Amount Fair Value Level 1 Level 2 Level 3 Total (In Thousands) Financial Assets: Cash and cash equivalents $ 87,929 $ 87,929 $ — $ — $ 87,929 Available for sale securities 143,822 18,391 124,605 826 143,822 Loans held for sale 1,915 — — 1,950 1,950 Loans receivable, net 1,312,565 — — 1,285,733 1,285,733 Federal Home Loan Bank stock 9,035 — — 9,035 9,035 Federal Reserve Bank stock 3,638 — — 3,638 3,638 Accrued interest receivable 4,921 — — 4,921 4,921 Financial Liabilities: Deposits 1,288,031 — — 1,288,238 1,288,238 Mortgagors' and investors' escrow accounts 4,701 — — 4,701 4,701 Federal Home Loan Bank advances 151,836 — 149,838 — 149,838 Junior subordinated debt owed to unconsolidated trust 8,248 — 6,613 — 6,613 On-balance Sheet Derivative Financial Instruments: Assets: Derivative loan commitments 23 — — 23 23 Forward loan sale commitments 66 — — 66 66 Interest rate swap agreement 1,533 — 1,533 — 1,533 Liabilities: Forward loan sale commitments 1 — — 1 1 Interest rate swap agreement 1,533 — 1,533 — 1,533

DERIVATIVE INSTRUMENTS AND HEDG

DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES	3 Months Ended
	Mar. 31, 2019
Derivative Instruments and Hedging Activities Disclosure [Abstract]
DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES	DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES Derivative Instruments Not Designated As Hedging Instruments Certain derivative instruments do not meet the requirements to be accounted for as hedging instruments. These undesignated derivative instruments are recognized on the consolidated balance sheets at fair value, with changes in fair value recorded in noninterest income. Derivative Loan Commitments - Mortgage loan commitments are referred to as derivative loan commitments if the loan that will result from exercise of the commitment will be held for sale upon funding. The Company enters into commitments to fund residential mortgage loans at specified times in the future, with the intention that these loans will subsequently be sold in the secondary market. A mortgage loan commitment binds the Company to lend funds to a potential borrower at a specified interest rate and within a specified period of time, generally up to 60 days after inception of the rate lock. Outstanding derivative loan commitments expose the Company to the risk that the price of the loans arising from exercise of the loan commitment might decline from inception of the rate lock to funding of the loan due to increases in mortgage interest rates. If interest rates increase, the values of these loan commitments decrease. Conversely, if interest rates decrease, the value of these loan commitments increase. Forward Loan Sale Commitments - To protect against the price risk inherent in the exercise of derivative loan commitments resulting from potential decreases in the value of loans, the Company utilizes both “mandatory delivery” and "best efforts" forward loan sale commitments. With a “mandatory delivery” contract, the Company commits to deliver a certain principal amount of mortgage loans to an investor at a specified price on or before a specified date. If the Company fails to deliver the amount of mortgages necessary to fulfill the commitment by the specified date, it is obligated to pay a “pair-off” fee, based on then-current market prices, to the investor to compensate the investor for the shortfall. With a "best efforts" contract, the Company commits to deliver an individual mortgage loan of a specified principal amount and quality to an investor if the loan to the underlying borrower closes. Generally, the price the investor will pay the seller for an individual loan is specified prior to the loan being funded (e.g., on the same day the lender commits to lend funds to a potential borrower). The Company expects that these forward loan sale commitments will experience changes in fair value opposite to the change in fair value of derivative loan commitments. Interest Rate Swap Agreements - The Company does not use derivatives for trading or speculative purposes. Interest rate swap derivatives not designated as hedges are offered to certain qualifying commercial customers and to manage the Company's exposure to interest rate movements but do not meet the strict hedge accounting definition under FASB Topic 815, "Derivatives and Hedging." As of March 31, 2019 , based on the current position of the Company's interest rate swap agreements, the Company paid $3.5 million into a collateral account with the correspondent bank to collateralize its net liability position. The Company and correspondent bank have an agreement to secure any outstanding payable in excess of $100,000 . The Company's agreements with its derivative counterparties contain the following provisions related to contingent credit risk: • if the Company defaults on any of its indebtedness, including a default where repayment of the indebtedness has not been accelerated by the lender, then the Company could also be declared in default on its derivative obligations; • if the Company fails to maintain its status as a well/adequately capitalized institution, then the counterparty could terminate the derivative position, and the Company would be required to settle its obligations under the agreements; • if the Company fails to maintain a specified minimum leverage ratio, then the Company could be declared in default on its derivative obligations; and • if a specified event or condition occurs that materially changes the Company's creditworthiness in an adverse manner, it may be required to fully collateralize its obligations under the derivative instrument. The Company is in compliance with the above provisions as of March 31, 2019 . The Company has established a derivative policy which sets forth the parameters for such transactions (including underwriting guidelines, rate setting process, maximum maturity, approval and documentation requirements), as well as identifies internal controls for the management of risks related to these hedging activities (such as approval of counterparties, limits on counterparty credit risk, maximum loan amounts and limits to single dealer counterparties). The interest rate swap derivatives executed with our customers and our counterparties are marked to market and are included in other assets and other liabilities on the consolidated balance sheets at fair value. Interest Rate Risk Management - Derivative Instruments The following table presents the fair values of derivative instruments as well as their classification on the consolidated balance sheets at March 31, 2019 and December 31, 2018 . March 31, 2019 Balance Sheet Location Notional Amount Weighted-Average Remaining Maturity (In years) Weighted-Average Rate Received Weighted-Average Rate Paid Estimated Fair Value (In Thousands) Derivatives not designated as hedging instruments: Derivative loan commitments Other Assets $ 2,164 — — % — % $ 25 Forward loan sale commitments Other Assets 3,488 — — — 42 Commercial loan customer interest rate swap position Other Assets 67,712 8.90 4.45 4.45 3,163 Counterparty interest rate swap position Other Liabilities 67,712 8.90 4.45 4.45 3,163 December 31, 2018 Balance Sheet Location Notional Amount Weighted-Average Remaining Maturity (In years) Weighted-Average Rate Received Weighted-Average Rate Paid Estimated Fair Value (In Thousands) Derivatives not designated as hedging instruments: Derivative loan commitments Other Assets $ 2,541 — — % — % $ 23 Forward loan sale commitments Other Assets 4,009 — — — 65 Commercial loan customer interest rate swap position Other Assets 40,988 10.23 4.64 4.64 1,533 Counterparty interest rate swap position Other Liabilities 40,988 10.23 4.64 4.64 1,533

OPERATING LEASES - RIGHT OF USE

OPERATING LEASES - RIGHT OF USE ASSETS (Notes)	3 Months Ended
	Mar. 31, 2019
Operating Leases - Right of Use Assets [Abstract]
Leases of Lessee Disclosure [Text Block]	NOTE 10. OPERATING LEASES - RIGHT-OF-USE ASSETS The Company has various operating leases for office space that expire through 2039. At March 31, 2019, the Company had lease liabilities totaling $9.8 million and right-of-use assets totaling $9.7 million related to these leases. For the three months ended March 31, 2019 , the weighted-average remaining lease term for operating leases was 6.6 years and the weighted-average discount rate used in the measurement of operating lease liabilities was 3.51% . During the three months ended March 31, 2019 , the Company recognized $237,000 in operating lease costs, which are included in noninterest expenses in the Company's consolidated statement of income. During the three months ended March 31, 2019 , operating cash flows from operating leases was $223,000 . There were no sale and leaseback transactions or leveraged leases during the three months ended March 31, 2019. At March 31, 2019, the Company had no leases that had not yet commenced. At March 31, 2019 , a maturity analysis of operating lease liabilities and reconciliation of the undiscounted cash flows to total operating lease liability are as follows: March 31, 2019 (Dollars in thousands) Lease payments due: Within one year $ 1,314 After one but within two years 1,296 After two but within three years 1,154 After three but within four years 1,053 After four but within five years 1,049 After five years 6,176 Total undiscounted cash flows 12,042 Discount on cash flows (2,289 ) Total lease liability $ 9,753

MERGER AGREEMENT WITH BERKSHIRE

MERGER AGREEMENT WITH BERKSHIRE HILLS BANCORP, INC. (Notes)	3 Months Ended
	Mar. 31, 2019
Subsequent Events [Abstract]
Mergers, Acquisitions and Dispositions Disclosures [Text Block]	NOTE 11. MERGER AGREEMENT WITH BERKSHIRE HILLS BANCORP, INC. On December 11, 2018 , the Company entered into a Merger Agreement with Berkshire Hills Bancorp, Inc. ("Berkshire"). Under the Merger Agreement, the Company will merge with and into Berkshire, with Berkshire as the surviving corporation, in an all-stock transaction. The stockholders of the Company approved the Merger Agreement at a meeting of the Company's stockholders held on April 2, 2019 . The Company anticipates the merger with Berkshire to be completed in the second quarter of 2019, subject to regulatory approvals and other customary closing conditions.

NATURE OF BUSINESS AND SUMMAR_2

NATURE OF BUSINESS AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Level 2 (Policies)	3 Months Ended
	Mar. 31, 2019
NATURE OF BUSINESS AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Consolidation, Policy [Policy Text Block]	Principles of Consolidation The accompanying consolidated financial statements include the accounts of the Company, its wholly-owned subsidiary, the Bank, and the Bank’s wholly-owned subsidiaries, SI Mortgage Company and SI Realty Company, Inc. All significant intercompany accounts and transactions have been eliminated.
Basis of Accounting, Policy [Policy Text Block]	Basis of Financial Statement Presentation The interim consolidated financial statements and related notes have been prepared in accordance with accounting principles generally accepted in the United States of America (“GAAP”) for interim financial information, the instructions to Form 10-Q and Rule 10.01 of Regulation S-X of the Securities and Exchange Commission and general practices within the banking industry. Accordingly, certain information and footnote disclosures required by GAAP for complete financial statements have been omitted. Information in the accompanying interim consolidated financial statements and notes to the financial statements of the Company as of March 31, 2019 and for the three months ended March 31, 2019 and 2018 is unaudited. These unaudited interim consolidated financial statements and related notes should be read in conjunction with the audited consolidated financial statements of the Company and the accompanying notes for the year ended December 31, 2018 contained in Item 8. Financial Statements and Supplementary Data in the Company’s Form 10-K. In the opinion of management, the accompanying unaudited interim consolidated financial statements reflect all of the adjustments, consisting only of normal and recurring adjustments, necessary for a fair presentation of the financial condition, results of operations and cash flows as of and for the periods covered herein. The results of operations for the three months ended March 31, 2019 are not necessarily indicative of the operating results for the year ending December 31, 2019 or for any other period. In preparing the consolidated financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities, and disclosures of contingent assets and liabilities, as of the date of the balance sheets and reported amounts of revenues and expenses for the periods presented. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses, deferred income taxes and the impairment of long-lived assets such as goodwill and other intangibles.
Reclassification, Policy [Policy Text Block]	Reclassifications Amounts in the Company’s prior year consolidated financial statements are reclassified to conform to the current year presentation. Such reclassifications had no effect on net income.
Finance, Loans and Leases Receivable, Policy [Policy Text Block]	Loans Receivable Loans receivable are stated at current unpaid principal balances, net of the allowance for loan losses and deferred loan origination fees and costs. Management has the ability and intent to hold its loans receivable for the foreseeable future or until maturity or pay-off. A loan is impaired when, based on current information and events, it is probable the Company will be unable to collect all contractual principal and interest payments due in accordance with the terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due. Impairment is measured on a loan by loan basis for residential and commercial mortgage loans and commercial business loans by either the present value of expected future cash flows discounted at the loan's effective interest rate or, as a practical expedient, at the loan's observable market price or the fair value of the collateral if the loan is collateral dependent. Large groups of smaller balance homogeneous loans are collectively evaluated for impairment. Accordingly, the Company does not typically identify individual consumer loans for impairment disclosures, unless such loans are subject to a troubled debt restructuring ("TDR") agreement.
Loans and Leases Receivable, Troubled Debt Restructuring Policy [Policy Text Block]	Troubled Debt Restructurings The Company periodically may agree to modify the contractual terms of loans. When a loan is modified and concessions have been made to the original contractual terms due to the borrower's financial condition that would not otherwise be considered for a borrower with similar risk characteristics, such as reductions of interest rates, deferral of interest or principal payments, or maturity extensions, the modification is considered a TDR. Modified terms are dependent upon the financial position and needs of the individual borrower. If the modification agreement is violated, the loan is handled by the Company’s Collections Department for resolution, which may result in foreclosure. Management considers all nonaccrual loans, with the exception of certain consumer loans, to be impaired. Also, all TDRs are initially classified as impaired and follow the Company's nonaccrual policy. However, if the TDR was current prior to modification, nonaccrual status would not be required. If the loan was on nonaccrual prior to modification or if the payment amount significantly increases, the loan will remain on nonaccrual for a period of at least six months. Loans qualify for return to accrual status once the borrower has demonstrated the willingness and the ability to perform in accordance with the restructured terms of the loan agreement for a period of not less than six consecutive months. In most cases, loan payments less than 90 days past due are considered minor collection delays and the related loans are generally not considered impaired. Impaired classification may be removed after a year following the restructure if the borrower demonstrates compliance with the modified terms and the restructuring agreement specifies an interest rate equal to that which would be provided to a borrower with similar risk characteristics at the time of restructuring.
Loans and Leases Receivable, Allowance for Loan Losses Policy [Policy Text Block]	Allowance for Loan Losses The allowance for loan losses, a material estimate which could change significantly in the near-term, is established through a provision for loan losses charged to earnings to account for losses that are inherent in the loan portfolio and estimated to occur, and is maintained at a level management considers adequate to absorb losses in the loan portfolio. Loan losses are charged against the allowance for loan losses when management believes the uncollectibility of the principal loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance for loan losses when received. Management's judgment in determining the adequacy of the allowance is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. The allowance for loan losses is evaluated on a monthly basis by management and is based on the evaluation of the known and inherent risk characteristics and size and composition of the loan portfolio, the assessment of current economic and real estate market conditions, adverse situations that may affect a borrower’s ability to repay, estimated value of any underlying collateral, historical loan loss experience, the amount and trends of nonperforming loans, delinquencies, classified assets and loan charge-offs and evaluations of loans and other relevant factors. The allowance for loan losses consists of the following key elements: • Specific allowance for identified impaired loans . For loans identified as impaired, an allowance is established when the present value of expected cash flows, or observable market price of the loan or fair value of the collateral if the loan is collateral dependent, of the impaired loan is lower than the carrying value of that loan. In the determination of the allowance for loan losses, management may obtain independent appraisals for significant properties, when necessary. • General valuation allowance. The general component represents a valuation allowance on the remainder of the loan portfolio, after excluding impaired loans. For this portion of the allowance, loans are segregated by category and assigned an allowance percentage based on historical loan loss experience adjusted for qualitative factors stratified by the following loan segments: residential one- to four-family, multi-family and commercial real estate, construction, commercial business and consumer. Management uses a rolling average of historical losses based on the time frame appropriate to capture relevant loss data for each loan segment. This historical loss factor is adjusted for the following qualitative factors: changes in lending policies and procedures, including changes in underwriting standards and collections, charge-off and recovery practices; changes in national, regional and local economic and business conditions and developments that affect the collectibility of the portfolio, including the condition of various market segments; changes in the size and composition of the loan portfolio and in the terms of the loans; changes in the experience, ability and depth of lending and underwriting management and other relevant staff; changes in the volume and severity of past due loans, the volume of nonaccrual loans and the volume and severity of adversely classified or graded loans; changes in the quality of the loan review system; changes in the underlying collateral for collateral-dependent loans; the existence and effect of any concentrations of credit and changes in the level of such concentrations; the effect of other external factors such as competition and legal and regulatory requirements on the level of estimated credit losses in the portfolio. The qualitative factors are determined based on the following various risk characteristics for each loan segment. Risk characteristics relevant to each portfolio segment are as follows: • Residential – One to Four Family – The Bank primarily originates conventional loans with loan-to-value ratios less than 95% and generally originates loans with loan-to-value ratios in excess of 80% only when secured by first liens on owner-occupied one- to four-family residences. Loans with loan-to-value ratios in excess of 80% generally require private mortgage insurance or additional collateral. All loans in this segment are collateralized by owner-occupied residential real estate and repayment is dependent on the credit quality of the individual borrower. The overall health of the economy, including unemployment rates and housing prices, will have an effect on the credit quality of this segment. • Multi-family and Commercial – Loans in this segment are originated to acquire, develop, improve or refinance multi-family and commercial real estate where the property is the primary collateral securing the loan, and the income generated from the property is the primary repayment source. The underlying cash flows generated by the properties can be impacted by the economy as evidenced by increased vacancy rates. Payments on loans secured by income-producing properties often depend on the successful operation and management of the properties. Management continually monitors the cash flows of these loans. • Construction – This segment includes loans to individuals and, to a lesser extent, builders to finance the construction of residential dwellings. The Bank also originates construction loans for commercial development projects. Upon the completion of construction, the loan generally converts to a permanent mortgage loan. Credit risk is affected by cost overruns, whether estimates of the sale price of the property are correct, the time it takes to sell at an adequate price and market conditions. • Commercial Business – Loans in this segment are made to businesses and are generally secured by assets of the business. Repayment is expected from the cash flows of the business. A weakened economy and reduced viability of the industry in which the customer operates will have a negative impact on the credit quality in this segment. The Bank provides loans to investors in the time share industry, which are secured by consumer receivables, and provides loans for capital improvements to condominium associations, which are secured by the assigned rights to levy special assessments to condominium owners. Additionally, the Bank purchases loans primarily out of our market area from a company specializing in medical loans, which are secured by medical equipment. • Consumer – Loans in this segment primarily include home equity lines of credit (representing both first and second liens) and, to a lesser extent, loans secured by marketable securities, passbook or certificate accounts, motorcycles, automobiles and recreational vehicles, as well as unsecured loans. Consumer loan collections depend on the borrower’s continuing financial stability, and therefore, are more likely to be adversely affected by job loss, divorce, illness or personal bankruptcy. In computing the allowance for loan losses, we do not assign a general valuation allowance to the Small Business Administration (“SBA”) and United States Department of Agriculture (“USDA”) loans that we purchase as such loans are fully guaranteed. These loans are included in commercial business loans. The majority of the Company's loans are collateralized by real estate located in eastern Connecticut and Rhode Island. To a lesser extent, certain commercial real estate loans are secured by collateral located outside of our primary market area with concentrations in Massachusetts and New Hampshire. Accordingly, the collateral value of a substantial portion of the Company's loan portfolio and real estate acquired through foreclosure is susceptible to changes in local market conditions. Although management believes it uses the best information available to establish the allowance for loan losses, future adjustments to the allowance for loan losses may be necessary and the Company’s results of operations could be adversely affected if circumstances differ substantially from the assumptions used in making the determinations. Furthermore, while management believes it has established the allowance for loan losses in conformity with GAAP, our regulators, in reviewing the loan portfolio, may request us to increase our allowance for loan losses based on judgments different from ours. In addition, because future events affecting borrowers and collateral cannot be predicted with certainty, the existing allowance for loan losses may not be adequate or increases may be necessary should the quality of any loans deteriorate as a result of the factors discussed above. Any material increase in the allowance for loan losses would adversely affect the Company’s financial condition and results of operations.
Revenue Recognition, Interest [Policy Text Block]	Interest and Fees on Loans Interest on loans is accrued and included in net interest income based on contractual rates applied to principal amounts outstanding. Accrual of interest is discontinued when loan payments are 90 days or more past due, based on contractual terms, or when, in the judgment of management, collectibility of the loan or loan interest becomes uncertain. Subsequent recognition of income occurs only to the extent payment is received subject to management's assessment of the collectibility of the remaining interest and principal. A nonaccrual loan is restored to accrual status when it is no longer delinquent and collectibility of interest and principal is no longer in doubt and the borrower has made regular payments in accordance with the terms of the loan over a period of at least six months. Interest collected on nonaccrual loans is recognized only to the extent cash payments are received, and may be recorded as a reduction to principal if the collectibility of the principal balance of the loan is unlikely. Loan origination fees, direct loan origination costs and loan purchase premiums are deferred, and the net amount is recognized as an adjustment of the related loan's yield utilizing the interest method over the contractual life of the loan. In addition, discounts related to fair value adjustments for loans receivable acquired in a business combination or asset purchase are accreted into earnings over the contractual term as an adjustment of the related loan's yield. The Company periodically evaluates the cash flows expected to be collected for loans acquired with deteriorated credit quality. Changes in the expected cash flows compared to the expected cash flows as of the date of acquisition may impact the accretable yield or result in a charge to the provision for loan losses to the extent of a shortfall.
Lessee, Leases [Policy Text Block]	Leases The Company leases certain properties and equipment under operating leases. For leases in effect upon adoption of Accounting Standards Update 2016-02 - Leases (Topic 842) at January 1, 2019 and for any leases commencing thereafter, the Company recognized a liability to make lease payments, the "lease liability," and an asset representing the right to use the underlying asset during the lease term, the "right-of-use asset." The lease liability is measured at the present value of the remaining lease payments, discounted at the Company's incremental borrowing rate. The right-of-use asset is measured at the amount of the lease liability adjusted for the remaining balance of the lease incentives received, any cumulative prepaid or accrued rent if the lease payments are uneven throughout the term, any unamortized initial direct costs and any impairment of the right-of-use asset. Operating lease expense consists of a single lease cost calculated so that the remaining cost of the lease is allocated over the remaining lease term on a straight-line basis, variable lease payments not included in the lease liability and any impairment of the right-of-use asset. Certain of the Company's leases contain options to renew the lease; however, these renewal options are not included in the calculation of the lease liabilities as they are not reasonably certain to be exercised. The Company's leases do not contain residual value guarantees or material variable lease payments. The Company does not have any material restrictions or covenants imposed by leases that would impact the Company's ability to pay dividends or cause the Company to incur additional financial obligations. The Company has made an accounting policy election to not apply the recognition requirements in Topic 842 to short-term leases. The Company has also elected to use the practical expedient to make an accounting policy election for property leases to include both lease and nonlease components as a single component and account for it as a lease. The Company's leases are not complex; therefore there were no significant assumptions or judgments made in applying the requirements of Topic 842, including the determination of whether the contracts contained a lease, the allocation of consideration in the contracts between lease and nonlease components and the determination of the discount rates for the leases.
Earnings Per Share, Policy [Policy Text Block]	Basic earnings per share is calculated by dividing the net income available to common shareholders by the weighted average number of common shares outstanding during the period. Unvested restricted shares are considered outstanding in the computation of basic earnings per share since the shares participate in dividends and the rights to the dividends are non-forfeitable. Diluted earnings per share is computed in a manner similar to basic earnings per share except that the weighted average number of common shares outstanding is increased to include the incremental common shares (as computed using the treasury stock method) that would have been outstanding if all potentially dilutive common stock equivalents were issued during the period. The Company’s common stock equivalents relate solely to stock options. Repurchased common shares and unallocated common shares held by the Bank’s ESOP are not deemed outstanding for earnings per share calculations.
Stockholders' Equity, Policy [Policy Text Block]	Common Share Repurchases The Company is chartered in Maryland. Maryland law does not provide for treasury shares, rather shares repurchased by the Company constitute authorized but unissued shares. GAAP states that accounting for treasury stock shall conform to state law. Therefore, the cost of shares repurchased by the Company is allocated to common stock, additional paid-in capital and retained earnings balances.
Comprehensive Income, Policy [Policy Text Block]	Accounting principles generally require that recognized revenue, expenses, gains and losses be included in net income. Although certain changes in assets and liabilities are reported as a separate component of shareholders’ equity on the balance sheet, such items along with net income are components of comprehensive income.
Fair Value of Financial Instruments, Policy [Policy Text Block]	Fair Value Hierarchy The Company groups its assets and liabilities in three levels based on the markets in which the assets and liabilities are traded and the reliability of the assumptions used to determine fair value. Transfers between levels are recognized at the end of a reporting period, if applicable. Level 1: Valuation is based on quoted prices in active markets for identical assets or liabilities. Level 1 assets and liabilities generally include debt and equity securities that are traded in an active exchange market. Valuations are obtained from readily available pricing sources for market transactions involving identical assets or liabilities. Level 2: Valuation is based on observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities. Level 3: Valuation is based on unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities. Level 3 assets and liabilities include assets or liabilities whose value is determined using unobservable inputs to pricing models, discounted cash flow methodologies, or similar techniques, as well as assets or liabilities for which the determination of fair value requires significant management judgment or estimation.
New Accounting Pronouncements, Policy [Policy Text Block]	Recent Accounting Pronouncements Leases (Topic 842) - In February 2016, the Financial Accounting Standards Board ("FASB") issued amended guidance to increase transparency and comparability among organizations by recognizing lease assets and lease liabilities on the balance sheet and disclosing key information about leasing arrangements. Disclosures are required by lessees and lessors to meet the objective of enabling users of financial statements to assess the amount, timing and uncertainty of cash flows arising from leases. In transition, lessees and lessors are required to recognize and measure leases at the beginning of the earliest period presented using a modified retrospective approach. The modified retrospective approach includes a number of optional practical expedients that entities may elect to apply. An entity that elects to apply the practical expedients will, in effect, continue to account for leases that commence before the effective date in accordance with previous GAAP unless the lease is modified, except that lessees are required to recognize a right-of-use asset and a lease liability for all operating leases at each reporting date based on the present value of the remaining minimum rental payments that were tracked and disclosed under previous GAAP. The amendments in this update became effective for fiscal years beginning after December 15, 2018, including interim periods within those fiscal years. The new standard was adopted by the Company on January 1, 2019. The Company elected to to apply the new standard as of the beginning of the period of adoption (January 1, 2019) and did restate comparative periods. The initial balance sheet gross up upon adoption was primarily related to operating leases of certain real estate properties. The Company has no finance leases or material subleases or leasing arrangements for which it is the lessor of property or equipment. The Company has elected to apply the package of practical expedients allowed by the new standard under which the Company need not reassess whether any expired or existing contracts are leases or contain certain leases, the Company need not reassess the lease classification for any expired or existing lease, and the Company need not reassess initial direct costs for any existing leases. Adoption of this standard is not expected to materially change the Company's recognition of lease expense in future periods. See Note 10 - Operating Leases - Right of Use Assets for additional disclosures related to leases. Financial Instruments - Credit Losses (Topic 326): In June 2016, the FASB issued guidance that significantly changes how entities will measure credit losses for most financial assets and certain other instruments that are not measured at fair value through net income. The update will replace today's "incurred loss" approach with an "expected loss" model. The new model, referred to as the current expected credit loss ("CECL") model, will apply to (1) financial assets subject to credit losses and measured at amortized cost and (2) certain off-balance sheet credit exposures. This includes, but is not limited to, loans, leases, held-to-maturity securities, loan commitments and financial guarantees. The CECL model does not apply to available for sale ("AFS") debt securities. For AFS debt securities with unrealized losses, entities will measure credit losses in a manner similar to current accounting guidance, except that losses will be recognized as allowances rather than reductions in the amortized cost of the securities. The update also simplifies the accounting model for purchased credit-impaired debt securities and loans. Disclosure requirements under the update have been expanded to include the entity's assumptions, models and methods for estimating the allowance for loan and lease losses. In addition, entities will need to disclose the amortized cost balance for each class of financial asset by credit quality indicator, disaggregated by year of origination. The update is effective for interim and annual reporting periods beginning after December 15, 2019; early adoption is permitted for interim and annual periods beginning after December 15, 2018. The update requires a modified retrospective transition under which a cumulative-effect adjustment to equity will be recognized in the period of adoption. Management has developed a focus team that is reviewing and monitoring additional developments and accounting guidance to determine the impact to the Company's consolidated financial statements. Management is evaluating the models and related requirements and is developing an implementation plan. Intangibles - Goodwill and Other - Simplifying the Test for Goodwill Impairment (Topic 350): In January, 2017, the FASB issued guidance aimed at simplifying the subsequent measurement of goodwill. Under these amendments, an entity should perform its annual or interim goodwill impairment test by comparing the fair value of reporting unit with its carrying amount. An entity should recognize an impairment charge for the amount by which the carrying amount exceeds the reporting unit's fair value; however, the loss recognized should not exceed the total amount of goodwill allocated to that reporting unit. Additionally, an entity should consider income tax effects from tax deductible goodwill on the carrying amount of a reporting unit when measuring the goodwill impairment loss, if applicable. The Board also eliminated the requirements for any reporting unit with a zero or negative carrying amount to perform a qualitative assessment and, if it fails that qualitative test, to perform Step 2 of the goodwill impairment test. Therefore, the same impairment assessment applies to all reporting units. An entity is required to disclose the amount of goodwill allocated to each reporting unit with a zero or negative carrying amount of net assets. An entity still has the option to perform the qualitative assessment for a reporting unit to determine if the quantitative impairment test is necessary. The amendments in this update should be applied on a prospective basis and are effective for annual goodwill impairment tests in fiscal years beginning after December 15, 2019. The Company does not expect the adoption of this guidance to have a material impact on its consolidated financial statements. Receivables - Nonrefundable Fees and Other Costs (Subtopic 310-20): In March 2017, the FASB issued guidance shortening the amortization period for certain callable debt securities held at a premium. Specifically, the amendments require the premium to be amortized to the earliest call date. The amendments do not require an accounting change for securities held at a discount; the discount continues to be amortized to maturity. The amendments in this update are effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2018. The amendments in this update should be applied on a modified retrospective basis through a cumulative-effect adjustment directly to retained earnings as of the beginning of the period of adoption. Additionally, in the period of adoption, an entity should provide disclosures about a change in accounting principle. The adoption of this guidance on January 1, 2019 did not have a material impact on the Company's consolidated financial statements due to limited holdings with callable features. Fair Value Measurement (Topic 820): In August 2018, the FASB issued guidance which removes, modifies and adds disclosure requirements related to fair value measurements. The amendments in this update become effective for fiscal years and interim periods within those fiscal years, beginning after December 15, 2019. Certain amendments are to be applied prospectively for only the most recent interim or annual period presented in the initial fiscal year of adoption. All other amendments should be applied retrospectively to all periods presented upon their effective date. Early adoption is permitted. The Company does not expect the adoption of this guidance to have a material impact on its consolidated financial statements.

EARNINGS PER SHARE (Tables)

EARNINGS PER SHARE (Tables)	3 Months Ended
	Mar. 31, 2019
Earnings Per Share [Abstract]
Schedule of Earnings (Loss) Per Share, Basic and Diluted [Table Text Block]	The computation of earnings per share is as follows: Three Months Ended 2019 2018 (Dollars in Thousands, Except Per Share Amounts) Net income $ 3,134 $ 2,006 Weighted average common shares outstanding: Basic 11,769,717 11,909,028 Effect of dilutive stock options 33,352 86,270 Diluted 11,803,069 11,995,298 Earnings per share: Basic $ 0.27 $ 0.17 Diluted $ 0.27 $ 0.17

SECURITIES (Tables)

SECURITIES (Tables)	3 Months Ended
	Mar. 31, 2019
Investments, Debt and Equity Securities [Abstract]
Schedule of Available-for-sale Securities Reconciliation [Table Text Block]	The amortized cost, gross unrealized gains and losses and fair values of available for sale securities at March 31, 2019 and December 31, 2018 are as follows: March 31, 2019 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value (In Thousands) Debt securities: U.S. Government and agency obligations $ 55,678 $ 359 $ (1,068 ) $ 54,969 Government-sponsored enterprises 9,974 43 (18 ) 9,999 Mortgage-backed securities: (1) Agency - residential 70,985 253 (1,022 ) 70,216 Non-agency - residential 48 — (4 ) 44 Collateralized debt obligation 772 40 — 812 Obligations of state and political subdivisions 500 — — 500 Tax-exempt securities 2,509 30 — 2,539 Total available for sale securities $ 140,466 $ 725 $ (2,112 ) $ 139,079 (1) Agency securities refer to debt obligations issued or guaranteed by government corporations or government-sponsored enterprises (“GSEs”). Non-agency securities, or private-label securities, are the sole obligation of their issuer and are not guaranteed by any of the GSEs or the U.S. Government. December 31, 2018 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value (In Thousands) Debt securities: U.S. Government and agency obligations $ 58,296 $ 145 $ (1,403 ) $ 57,038 Government-sponsored enterprises 9,969 39 (63 ) 9,945 Mortgage-backed securities: (1) Agency - residential 74,412 113 (1,586 ) 72,939 Non-agency - residential 51 — (4 ) 47 Collateralized debt obligation 786 40 — 826 Obligations of state and political subdivisions 500 — — 500 Tax-exempt securities 2,516 13 (2 ) 2,527 Total available for sale securities $ 146,530 $ 350 $ (3,058 ) $ 143,822 (1) Agency securities refer to debt obligations issued or guaranteed by government corporations or GSEs. Non-agency securities, or private-label securities, are the sole obligation of their issuer and are not guaranteed by any of the GSEs or the U.S. Government.
Investments Classified by Contractual Maturity Date [Table Text Block]	The amortized cost and fair value of debt securities by contractual maturities at March 31, 2019 are presented below. Maturities are based on the final contractual payment dates and do not reflect the impact of potential prepayments or early redemptions. Because mortgage-backed securities are not due at a single maturity date, they are not included in the maturity categories in the following maturity summary. Amortized Cost Fair Value (In Thousands) Within 1 year $ 6,516 $ 6,496 After 1 but within 5 years 21,966 21,888 After 5 but within 10 years 3,099 3,139 After 10 years 37,852 37,296 69,433 68,819 Mortgage-backed securities 71,033 70,260 Total debt securities $ 140,466 $ 139,079 There were no sales of available for sale securities for the three months ended March 31, 2019 and 2018 .
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Table Text Block]	The following tables present information pertaining to securities with gross unrealized losses at March 31, 2019 and December 31, 2018 , aggregated by investment category and length of time the individual securities have been in a continuous unrealized loss position. Less Than 12 Months 12 Months or More Total March 31, 2019 Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses (In Thousands) U.S. Government and agency obligations $ — $ — $ 35,362 $ 1,068 $ 35,362 $ 1,068 Government-sponsored enterprises — — 6,961 18 6,961 18 Mortgage-backed securities: Agency - residential 2,272 22 46,758 1,000 49,030 1,022 Non-agency - residential — — 44 4 44 4 Total $ 2,272 $ 22 $ 89,125 $ 2,090 $ 91,397 $ 2,112 Less Than 12 Months 12 Months or More Total December 31, 2018 Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses (In Thousands) U.S. Government and agency obligations $ 2,982 $ 12 $ 35,673 $ 1,391 $ 38,655 $ 1,403 Government-sponsored enterprises 2,962 9 3,949 54 6,911 63 Mortgage-backed securities: Agency - residential 5,310 22 51,840 1,564 57,150 1,586 Non-agency - residential — — 47 4 47 4 Tax-exempt securities 321 1 540 1 861 2 Total $ 11,575 $ 44 $ 92,049 $ 3,014 $ 103,624 $ 3,058

LOANS RECEIVABLE AND ALLOWANC_2

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES (Tables)	3 Months Ended
	Mar. 31, 2019
Receivables [Abstract]
Composition of the Company's loan portfolio [Table Text Block]	The composition of the Company’s loan portfolio at March 31, 2019 and December 31, 2018 is as follows: March 31, 2019 December 31, 2018 (In Thousands) Real estate loans: Residential - 1 to 4 family $ 379,203 $ 384,353 Multi-family and commercial 597,033 568,889 Construction 43,467 43,320 Total real estate loans 1,019,703 996,562 Commercial business loans: SBA and USDA guaranteed 64,389 68,481 Time share 37,759 39,391 Condominium association 33,710 35,899 Medical loans 37,244 37,454 Other 85,429 97,220 Total commercial business loans 258,531 278,445 Consumer loans: Home equity 48,076 47,502 Other 1,742 1,569 Total consumer loans 49,818 49,071 Total loans 1,328,052 1,324,078 Deferred loan origination costs, net of fees 3,390 3,169 Allowance for loan losses (15,213 ) (14,682 ) Loans receivable, net $ 1,316,229 $ 1,312,565
Allowance for Credit Losses on Financing Receivables [Table Text Block]	Changes in the allowance for loan losses for the three months ended March 31, 2019 and 2018 are as follows: Three Months Ended Residential - 1 to 4 Family Multi-family and Commercial Construction Commercial Business Consumer Total (In Thousands) Balance at beginning of period $ 1,196 $ 8,140 $ 1,120 $ 3,599 $ 627 $ 14,682 Provision (credit) for loan losses (55 ) 538 21 19 (5 ) 518 Loans charged-off — — — — (1 ) (1 ) Recoveries of loans previously charged-off — 2 — 12 — 14 Balance at end of period $ 1,141 $ 8,680 $ 1,141 $ 3,630 $ 621 $ 15,213 Three Months Ended Residential - 1 to 4 Family Multi-family and Commercial Construction Commercial Business Consumer Total (In Thousands) Balance at beginning of period $ 1,093 $ 6,627 $ 633 $ 3,308 $ 673 $ 12,334 Provision (credit) for loan losses 104 326 94 225 (24 ) 725 Loans charged-off — — — (64 ) — (64 ) Recoveries of loans previously charged-off — — — 9 — 9 Balance at end of period $ 1,197 $ 6,953 $ 727 $ 3,478 $ 649 $ 13,004
Additional Information on Allowance for Credit Losses on Financing Receivables [Table Text Block]	Further information pertaining to the allowance for loan losses at March 31, 2019 and December 31, 2018 is as follows: March 31, 2019 Residential - 1 to 4 Family Multi-family and Commercial Construction Commercial Business Consumer Total (In Thousands) Allowance for loans individually evaluated and deemed to be impaired $ 324 $ 1,531 $ — $ 265 $ 21 $ 2,141 Allowance for loans individually or collectively evaluated and not deemed to be impaired 817 7,149 1,141 3,365 600 13,072 Allowance for loans acquired with deteriorated credit quality — — — — — — Total loan loss allowance $ 1,141 $ 8,680 $ 1,141 $ 3,630 $ 621 $ 15,213 Loans individually evaluated and deemed to be impaired $ 6,060 $ 10,048 $ — $ 490 $ 405 $ 17,003 Loans individually or collectively evaluated and not deemed to be impaired 373,143 586,661 43,467 258,041 49,413 1,310,725 Amount of loans acquired with deteriorated credit quality — 324 — — — 324 Total loans $ 379,203 $ 597,033 $ 43,467 $ 258,531 $ 49,818 $ 1,328,052 December 31, 2018 Residential - 1 to 4 Family Multi-family and Commercial Construction Commercial Business Consumer Total (In Thousands) Allowance for loans individually evaluated and deemed to be impaired $ 283 $ 1,346 $ — $ 266 $ 27 $ 1,922 Allowance for loans individually or collectively evaluated and not deemed to be impaired 913 6,794 1,120 3,333 600 12,760 Allowance for loans acquired with deteriorated credit quality — — — — — — Total loan loss allowance $ 1,196 $ 8,140 $ 1,120 $ 3,599 $ 627 $ 14,682 Loans individually evaluated and deemed to be impaired $ 5,837 $ 12,056 $ — $ 495 $ 307 $ 18,695 Loans individually or collectively evaluated and not deemed to be impaired 378,516 556,173 43,320 277,950 48,764 1,304,723 Amount of loans acquired with deteriorated credit quality — 660 — — — 660 Total loans $ 384,353 $ 568,889 $ 43,320 $ 278,445 $ 49,071 $ 1,324,078
Past Due Loans Receivables [Table Text Block]	The following represents an aging of loans at March 31, 2019 and December 31, 2018 : March 31, 2019 30-59 Days Past Due 60-89 Days Past Due 90 Days or More Past Due Total 30 Days or More Past Due Current Total Loans Past Due 90 Days or More and Accruing (In Thousands) Real Estate: Residential - 1 to 4 family $ 6,913 $ 711 $ 2,128 $ 9,752 $ 369,451 $ 379,203 $ — Multi-family and commercial 7,337 3,211 838 11,386 585,647 597,033 335 Construction 212 — — 212 43,255 43,467 — Commercial Business: SBA and USDA guaranteed 602 — — 602 63,787 64,389 — Time share — — — — 37,759 37,759 — Condominium association — — — — 33,710 33,710 — Medical loans — — — — 37,244 37,244 — Other 3,690 — 322 4,012 81,417 85,429 — Consumer: Home equity 437 167 220 824 47,252 48,076 — Other 5 1 — 6 1,736 1,742 — Total $ 19,196 $ 4,090 $ 3,508 $ 26,794 $ 1,301,258 $ 1,328,052 $ 335 December 31, 2018 30-59 Days Past Due 60-89 Days Past Due 90 Days or More Past Due Total 30 Days or More Past Due Current Total Loans Past Due 90 Days or More and Accruing (In Thousands) Real Estate: Residential - 1 to 4 family $ 5,585 $ 1,233 $ 2,331 $ 9,149 $ 375,204 $ 384,353 $ — Multi-family and commercial 1,441 295 1,513 3,249 565,640 568,889 522 Construction — — — — 43,320 43,320 — Commercial Business: SBA and USDA guaranteed 993 — — 993 67,488 68,481 — Time share — — — — 39,391 39,391 — Condominium association — — — — 35,899 35,899 — Medical loans 43 — — 43 37,411 37,454 — Other 324 — 325 649 96,571 97,220 — Consumer: Home equity 247 54 109 410 47,092 47,502 — Other 2 1 1 4 1,565 1,569 — Total $ 8,635 $ 1,583 $ 4,279 $ 14,497 $ 1,309,581 $ 1,324,078 $ 522
Impaired Financing Receivables [Table Text Block]	The following is a summary of impaired loans and nonaccrual loans at March 31, 2019 and December 31, 2018 : Impaired Loans (1) March 31, 2019 Recorded Investment Unpaid Principal Balance Related Allowance Nonaccrual Loans (In Thousands) Impaired loans without valuation allowance: Real Estate: Residential - 1 to 4 family $ 3,860 $ 3,860 $ 3,153 Multi-family and commercial 4,474 4,671 1,614 Commercial business - Other 65 65 65 Consumer: Home equity 253 253 253 Other — — 2 Total impaired loans without valuation allowance 8,652 8,849 5,087 Impaired loans with valuation allowance: Real Estate: Residential - 1 to 4 family 2,200 2,211 $ 324 612 Multi-family and commercial 5,898 5,898 1,531 2,108 Commercial business - Other 425 1,053 265 257 Consumer home equity 152 152 21 53 Total impaired loans with valuation allowance 8,675 9,314 2,141 3,030 Total impaired loans $ 17,327 $ 18,163 $ 2,141 $ 8,117 (1) Includes loans acquired with deteriorated credit quality from the Newport Federal Savings Bank ("Newport") merger and performing troubled debt restructurings. Impaired Loans (1) December 31, 2018 Recorded Investment Unpaid Principal Balance Related Allowance Nonaccrual Loans (In Thousands) Impaired loans without valuation allowance : Real Estate: Residential - 1 to 4 family $ 3,863 $ 3,863 $ 3,153 Multi-family and commercial 7,854 7,854 2,996 Commercial business - Other 68 68 68 Consumer: Consumer - Home equity 172 172 172 Consumer - Indirect automobile — — 2 Total impaired loans without valuation allowance 11,957 11,957 6,391 Impaired loans with valuation allowance: Real Estate: Residential - 1 to 4 family 1,974 1,985 $ 283 504 Multi-family and commercial 4,862 4,862 1,346 2,108 Commercial business - Other 427 1,055 266 257 Consumer - Home equity 135 135 27 36 Total impaired loans with valuation allowance 7,398 8,037 1,922 2,905 Total impaired loans $ 19,355 $ 19,994 $ 1,922 $ 9,296
Additional Information Related to Impaired Loans [Table Text Block]	Additional information related to impaired loans is as follows: Three Months Ended Average Recorded Investment Interest Income Recognized Interest Income Recognized on Cash Basis (In Thousands) Real Estate: Residential - 1 to 4 family $ 6,115 $ 42 $ 19 Multi-family and commercial 10,736 213 106 Commercial business other 1,134 10 — Consumer: Consumer home equity 356 4 3 Other 2 — — Total $ 18,343 $ 269 $ 128 Three Months Ended Average Recorded Investment Interest Income Recognized Interest Income Recognized on Cash Basis (In Thousands) Real Estate: Residential - 1 to 4 family $ 5,462 $ 28 $ — Multi-family and commercial 10,245 104 6 Commercial business: Medical loans 46 — — Other 1,402 22 14 Consumer: Home equity 340 1 — Other 1 — — Total $ 17,496 $ 155 $ 20
Financing Receivable Credit Quality Indicators [Table Text Block]	The following tables present the Company’s loans by risk rating at March 31, 2019 and December 31, 2018 : March 31, 2019 Not Rated Pass Special Mention Substandard Doubtful Loss Total (In Thousands) Real Estate: Residential - 1 to 4 family $ — $ 370,722 $ 1,439 $ 7,042 $ — $ — $ 379,203 Multi-family and commercial — 562,416 11,006 23,611 — — 597,033 Construction — 33,763 9,704 — — — 43,467 Total real estate loans — 966,901 22,149 30,653 — — 1,019,703 Commercial Business: SBA and USDA guaranteed 64,389 — — — — — 64,389 Time share — 37,759 — — — — 37,759 Condominium association — 33,710 — — — — 33,710 Medical loans — 37,237 7 — — — 37,244 Other — 80,982 3,969 221 257 — 85,429 Total commercial business loans 64,389 189,688 3,976 221 257 — 258,531 Consumer: Home equity — 47,515 156 405 — — 48,076 Other — 1,741 — 1 — — 1,742 Total consumer loans — 49,256 156 406 — — 49,818 Total loans $ 64,389 $ 1,205,845 $ 26,281 $ 31,280 $ 257 $ — $ 1,328,052 December 31, 2018 Not Rated Pass Special Mention Substandard Doubtful Loss Total (In Thousands) Real Estate: Residential - 1 to 4 family $ — $ 375,896 $ 1,323 $ 7,134 $ — $ — $ 384,353 Multi-family and commercial — 531,630 12,636 24,623 — — 568,889 Construction — 33,670 9,650 — — — 43,320 Total real estate loans — 941,196 23,609 31,757 — — 996,562 Commercial Business: SBA and USDA guaranteed 68,481 — — — — — 68,481 Time share — 39,391 — — — — 39,391 Condominium association — 35,899 — — — — 35,899 Medical loans — 37,439 — 15 — — 37,454 Other — 92,995 3,750 218 257 — 97,220 Total commercial business loans 68,481 205,724 3,750 233 257 — 278,445 Consumer: Home equity — 47,044 121 337 — — 47,502 Other — 1,567 — 2 — — 1,569 Total consumer loans — 48,611 121 339 — — 49,071 Total loans $ 68,481 $ 1,195,531 $ 27,480 $ 32,329 $ 257 $ — $ 1,324,078
Loans Modified as Troubled Debt Restructurings [Table Text Block]	The following tables provide information on loans modified as TDRs during the three months ended March 31, 2019 and 2018 . During the modification process, there were no loan charge-offs or principal reductions for the loans included in the table below. Three Months Ended March 31, 2019 2018 Allowance for Loan Losses (End of Period) Allowance for Loan Losses (End of Period) Number of Loans Recorded Investment Number of Loans Recorded Investment (Dollars in Thousands) Residential - 1 to 4 family — $ — $ — 2 $ 362 $ 61 Consumer - Home equity — — — 1 100 10 Total — $ — $ — 3 $ 462 $ 71
Troubled Debt Restructurings on Financing Receivables [Table Text Block]	The following table provides the recorded investment, by type of modification, during the three months ended March 31, 2019 and 2018 for modified loans identified as TDRs. Three Months Ended March 31, 2019 2018 (In Thousands) Interest rate adjustments $ — $ 77 Combination of rate and payment (1) — 385 Total $ — $ 462 (1) Terms include combination of rate adjustments and interest-only payment with deferral of principal.
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Table Text Block]	The following is a summary of loans acquired from Newport with evidence of credit deterioration as of March 31, 2019 and December 31, 2018 . Contractual Required Payments Receivable Cash Expected To Be Collected Non-Accretable Discount Accretable Yield Loans Receivable (In Thousands) Balance at December 31, 2018 $ 798 $ 660 $ 138 $ 20 $ 640 Collections (7 ) (7 ) — (1 ) (6 ) Dispositions (310 ) (310 ) — — (310 ) Balance at March 31, 2019 $ 481 $ 343 $ 138 $ 19 $ 324

PREMISES AND EQUIPMENT (Tables)

PREMISES AND EQUIPMENT (Tables)	3 Months Ended
	Mar. 31, 2019
Property, Plant and Equipment [Abstract]
Premises and Equipment [Table Text Block]	Premises and equipment at March 31, 2019 and December 31, 2018 are summarized as follows: March 31, 2019 December 31, 2018 (In Thousands) Land $ 4,746 $ 4,746 Buildings 13,911 13,829 Leasehold improvements 12,703 12,635 Furniture and equipment 13,371 13,525 44,731 44,735 Accumulated depreciation and amortization (25,499 ) (25,183 ) Premises and equipment, net $ 19,232 $ 19,552

OTHER COMPREHENSIVE INCOME (Tab

OTHER COMPREHENSIVE INCOME (Tables)	3 Months Ended
	Mar. 31, 2019
Stockholders' Equity Note [Abstract]
Schedule of Comprehensive Income (Loss) [Table Text Block]	Components of other comprehensive loss and related tax effects are as follows: Three Months Ended March 31, 2019 Before Tax Amount Tax Effects Net of Tax Amount Securities: (In Thousands) Unrealized holding gains on available for sale securities $ 1,321 $ (278 ) $ 1,043 Other comprehensive income $ 1,321 $ (278 ) $ 1,043
Schedule of Accumulated Other Comprehensive Income (Loss) [Table Text Block]	The components of accumulated other comprehensive loss included in shareholders’ equity are as follows: March 31, 2019 Before Tax Amount Tax Effects Net of Tax Amount (In Thousands) Net unrealized losses on available for sale securities $ (1,387 ) $ 292 $ (1,095 ) Accumulated other comprehensive loss $ (1,387 ) $ 292 $ (1,095 ) December 31, 2018 Before Tax Amount Tax Effects Net of Tax Amount (In Thousands) Net unrealized losses on available for sale securities $ (2,708 ) $ 570 $ (2,138 ) Accumulated other comprehensive loss $ (2,708 ) $ 570 $ (2,138 )

REGULATORY CAPITAL (Tables)

REGULATORY CAPITAL (Tables)	3 Months Ended
	Mar. 31, 2019
Banking and Thrift [Abstract]
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]	The Bank's regulatory capital amounts and ratios at March 31, 2019 and December 31, 2018 , compared to the FDIC's requirements for classification as a well capitalized institution and for minimum capital adequacy, were as follows: Actual Minimum Capital Requirement Minimum To Be Well Capitalized March 31, 2019 Amount Ratio Amount Ratio Amount Ratio (Dollars in Thousands) Common Equity Tier 1 Capital $ 157,809 12.89 % $ 55,105 4.50 % $ 79,596 6.50 % Tier 1 Capital to Risk Weighted Assets 157,809 12.89 73,473 6.00 97,964 8.00 Total Capital to Risk Weighted Assets 173,121 14.14 97,964 8.00 122,455 10.00 Tier 1 Capital to Average Assets 157,809 9.68 65,194 4.00 81,493 5.00 Actual Minimum Capital Requirement Minimum To Be Well Capitalized December 31, 2018 Amount Ratio Amount Ratio Amount Ratio (Dollars in Thousands) Common Equity Tier 1 Capital $ 154,215 12.88 % $ 53,865 4.50 % $ 77,805 6.50 % Tier 1 Capital to Risk Weighted Assets 154,215 12.88 71,820 6.00 95,760 8.00 Total Capital to Risk Weighted Assets 169,182 14.13 95,760 8.00 119,700 10.00 Tier 1 Capital to Average Assets 154,215 9.58 64,374 4.00 80,468 5.00

FAIR VALUE OF ASSETS AND LIAB_2

FAIR VALUE OF ASSETS AND LIABILITIES (Tables)	3 Months Ended
	Mar. 31, 2019
Fair Value Disclosures [Abstract]
Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block]	Assets and Liabilities Measured at Fair Value on a Recurring Basis The following tables present assets and liabilities measured at fair value on a recurring basis as of March 31, 2019 and December 31, 2018 . The Company had no significant transfers into or out of Levels 1, 2 or 3 during the three months ended March 31, 2019 . March 31, 2019 Level 1 Level 2 Level 3 Total (In Thousands) Assets: U.S. Government and agency obligations $ 16,954 $ 38,015 $ — $ 54,969 Government-sponsored enterprises — 9,999 — 9,999 Mortgage-backed securities — 70,260 — 70,260 Collateralized debt obligation — — 812 812 Obligations of state and political subdivisions — 500 — 500 Tax-exempt securities — 2,539 — 2,539 Forward loan sale commitments and derivative loan commitments — — 71 71 Interest rate swap agreements — 3,163 — 3,163 Total assets $ 16,954 $ 124,476 $ 883 $ 142,313 Liabilities: Forward loan sale commitments $ — $ — $ 4 $ 4 Interest rate swap agreements — 3,163 — 3,163 Total liabilities $ — $ 3,163 $ 4 $ 3,167 December 31, 2018 Level 1 Level 2 Level 3 Total (In Thousands) Assets: U.S. Government and agency obligations $ 18,391 $ 38,647 $ — $ 57,038 Government-sponsored enterprises — 9,945 — 9,945 Mortgage-backed securities — 72,986 — 72,986 Collateralized debt obligation — — 826 826 Obligations of state and political subdivisions — 500 — 500 Tax-exempt securities — 2,527 — 2,527 Forward loan sale commitments and derivative loan commitments — — 89 89 Interest rate swap agreements — 1,533 — 1,533 Total assets $ 18,391 $ 126,138 $ 915 $ 145,444 Liabilities: Forward loan sale commitments $ — $ — $ 1 $ 1 Interest rate swap agreements — 1,533 — 1,533 Total liabilities $ — $ 1,533 $ 1 $ 1,534
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Table Text Block]	The following table shows a reconciliation of the beginning and ending balances for Level 3 assets: Collateralized Debt Obligations Derivative Loan and Forward Loan Sale Commitments, Net (In Thousands) Balance at December 31, 2018 $ 826 $ 88 Total realized losses included in net income — (21 ) Principal payments and net accretion (14 ) — Balance at March 31, 2019 $ 812 $ 67
Fair Value Measurements, Nonrecurring [Table Text Block]	The following table summarizes the fair value hierarchy used to determine each adjustment and the carrying value of the related individual assets at March 31, 2019 and December 31, 2018 . There were no liabilities measured at fair value on a nonrecurring basis at March 31, 2019 and December 31, 2018 . At March 31, 2019 At December 31, 2018 Level 1 Level 2 Level 3 Level 1 Level 2 Level 3 (In Thousands) Impaired loans $ — $ — $ 993 $ — $ — $ 1,016 Other real estate owned — — 222 — — 720 Total assets $ — $ — $ 1,215 $ — $ — $ 1,736
Fair Value - Nonrecurring Gain/Loss Adjustments [Table Text Block]	The following table summarizes losses resulting from fair value adjustments for assets measured at fair value on a nonrecurring basis. Three Months Ended March 31, 2019 2018 (In Thousands) Impaired loans $ 241 $ 266 Other real estate owned — 26 Total losses $ 241 $ 292
Fair Value, by Balance Sheet Grouping [Table Text Block]	As of March 31, 2019 and December 31, 2018 , the recorded carrying amounts and estimated fair values of the Company's financial instruments are as follows: March 31, 2019 Carrying Amount Fair Value Level 1 Level 2 Level 3 Total (In Thousands) Financial Assets: Cash and cash equivalents $ 120,719 $ 120,719 $ — $ — $ 120,719 Available for sale securities 139,079 16,954 121,313 812 139,079 Loans held for sale 1,324 — — 1,379 1,379 Loans receivable, net 1,316,229 — — 1,306,251 1,306,251 Federal Home Loan Bank stock 8,168 — — 8,168 8,168 Federal Reserve Bank stock 3,638 — — 3,638 3,638 Accrued interest receivable 5,099 — — 5,099 5,099 Financial Liabilities: Deposits 1,317,009 — — 1,317,732 1,317,732 Mortgagors' and investors' escrow accounts 3,138 — — 3,138 3,138 Federal Home Loan Bank advances 151,621 — 150,413 — 150,413 Junior subordinated debt owed to unconsolidated trust 8,248 — — 6,439 6,439 On-balance Sheet Derivative Financial Instruments: Assets: Derivative loan commitments 25 — — 25 25 Forward loan sale commitments 46 — — 46 46 Interest rate swap agreements 3,163 — 3,163 — 3,163 Liabilities: Forward loan sale commitments 4 — — 4 4 Interest rate swap agreements 3,163 — 3,163 — 3,163 December 31, 2018 Carrying Amount Fair Value Level 1 Level 2 Level 3 Total (In Thousands) Financial Assets: Cash and cash equivalents $ 87,929 $ 87,929 $ — $ — $ 87,929 Available for sale securities 143,822 18,391 124,605 826 143,822 Loans held for sale 1,915 — — 1,950 1,950 Loans receivable, net 1,312,565 — — 1,285,733 1,285,733 Federal Home Loan Bank stock 9,035 — — 9,035 9,035 Federal Reserve Bank stock 3,638 — — 3,638 3,638 Accrued interest receivable 4,921 — — 4,921 4,921 Financial Liabilities: Deposits 1,288,031 — — 1,288,238 1,288,238 Mortgagors' and investors' escrow accounts 4,701 — — 4,701 4,701 Federal Home Loan Bank advances 151,836 — 149,838 — 149,838 Junior subordinated debt owed to unconsolidated trust 8,248 — 6,613 — 6,613 On-balance Sheet Derivative Financial Instruments: Assets: Derivative loan commitments 23 — — 23 23 Forward loan sale commitments 66 — — 66 66 Interest rate swap agreement 1,533 — 1,533 — 1,533 Liabilities: Forward loan sale commitments 1 — — 1 1 Interest rate swap agreement 1,533 — 1,533 — 1,533

DERIVATIVE INSTRUMENTS AND HE_2

DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES (Tables)	3 Months Ended
	Mar. 31, 2019
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Schedule of Derivative Instruments in Statement of Financial Position, Fair Value [Table Text Block]	The following table presents the fair values of derivative instruments as well as their classification on the consolidated balance sheets at March 31, 2019 and December 31, 2018 . March 31, 2019 Balance Sheet Location Notional Amount Weighted-Average Remaining Maturity (In years) Weighted-Average Rate Received Weighted-Average Rate Paid Estimated Fair Value (In Thousands) Derivatives not designated as hedging instruments: Derivative loan commitments Other Assets $ 2,164 — — % — % $ 25 Forward loan sale commitments Other Assets 3,488 — — — 42 Commercial loan customer interest rate swap position Other Assets 67,712 8.90 4.45 4.45 3,163 Counterparty interest rate swap position Other Liabilities 67,712 8.90 4.45 4.45 3,163 December 31, 2018 Balance Sheet Location Notional Amount Weighted-Average Remaining Maturity (In years) Weighted-Average Rate Received Weighted-Average Rate Paid Estimated Fair Value (In Thousands) Derivatives not designated as hedging instruments: Derivative loan commitments Other Assets $ 2,541 — — % — % $ 23 Forward loan sale commitments Other Assets 4,009 — — — 65 Commercial loan customer interest rate swap position Other Assets 40,988 10.23 4.64 4.64 1,533 Counterparty interest rate swap position Other Liabilities 40,988 10.23 4.64 4.64 1,533

OPERATING LEASES - RIGHT OF U_2

OPERATING LEASES - RIGHT OF USE ASSETS (Tables)	3 Months Ended
	Mar. 31, 2019
Operating Leases - Right of Use Assets [Abstract]
Lessee, Operating Lease, Liability, Maturity [Table Text Block]	At March 31, 2019 , a maturity analysis of operating lease liabilities and reconciliation of the undiscounted cash flows to total operating lease liability are as follows: March 31, 2019 (Dollars in thousands) Lease payments due: Within one year $ 1,314 After one but within two years 1,296 After two but within three years 1,154 After three but within four years 1,053 After four but within five years 1,049 After five years 6,176 Total undiscounted cash flows 12,042 Discount on cash flows (2,289 ) Total lease liability $ 9,753

NATURE OF BUSINESS AND SUMMAR_3

NATURE OF BUSINESS AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Narrative (Details)	3 Months Ended
	Mar. 31, 2019
NATURE OF BUSINESS AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Year Founded	1842
Number of Branch Offices	23

EARNINGS PER SHARE (Narrative)

EARNINGS PER SHARE (Narrative) (Details) - shares	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Antidilutive Securities Excluded from Computation of Earnings (Loss) Per Share [Line Items]
Antidilutive Securities Excluded from Computation of Earnings (Loss) Per Share, Amount	129,422	133,342

EARNINGS PER SHARE (Details)

EARNINGS PER SHARE (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Earnings Per Share, Basic and Diluted [Line Items]
Net income	$ 3,134	$ 2,006
Weighted average common shares outstanding:
Basic	11,769,717	11,909,028
Effect of dilutive stock options	33,352	86,270
Diluted	11,803,069	11,995,298
Earnings per share:
Basic	$ 0.27	$ 0.17
Diluted	$ 0.27	$ 0.17

SECURITIES Securities (Narrativ

SECURITIES Securities (Narrative) (Details)	3 Months Ended
	Mar. 31, 2019
Investments, Debt and Equity Securities [Abstract]
Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions	64
Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Other	0.02258630278

SECURITIES Summary of Available

SECURITIES Summary of Available for Sale Securities (Details) - USD ($) $ in Thousands		Mar. 31, 2019	Dec. 31, 2018
Debt Securities, Available-for-sale [Line Items]
Amortized Cost		$ 140,466	$ 146,530
Gross Unrealized Gains		725	350
Gross Unrealized Losses		(2,112)	(3,058)
Available for sale securities, at fair value		139,079	143,822
U.S. Government and agency obligations
Debt Securities, Available-for-sale [Line Items]
Amortized Cost		55,678	58,296
Gross Unrealized Gains		359	145
Gross Unrealized Losses		(1,068)	(1,403)
Available for sale securities, at fair value		54,969	57,038
Government-sponsored enterprises
Debt Securities, Available-for-sale [Line Items]
Amortized Cost		9,974	9,969
Gross Unrealized Gains		43	39
Gross Unrealized Losses		(18)	(63)
Available for sale securities, at fair value		9,999	9,945
Agency - residential
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	[1]	70,985	74,412
Gross Unrealized Gains	[1]	253	113
Gross Unrealized Losses	[1]	(1,022)	(1,586)
Available for sale securities, at fair value	[1]	70,216	72,939
Non-agency - residential
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	[1]	48	51
Gross Unrealized Gains	[1]	0	0
Gross Unrealized Losses	[1]	(4)	(4)
Available for sale securities, at fair value	[1]	44	47
Collateralized debt obligation
Debt Securities, Available-for-sale [Line Items]
Amortized Cost		772	786
Gross Unrealized Gains		40	40
Gross Unrealized Losses		0	0
Available for sale securities, at fair value		812	826
Obligations of state and political subdivisions
Debt Securities, Available-for-sale [Line Items]
Amortized Cost		500	500
Gross Unrealized Gains		0	0
Gross Unrealized Losses		0	0
Available for sale securities, at fair value		500	500
Tax-exempt securities
Debt Securities, Available-for-sale [Line Items]
Amortized Cost		2,509	2,516
Gross Unrealized Gains		30	13
Gross Unrealized Losses		0	(2)
Available for sale securities, at fair value		$ 2,539	$ 2,527
[1]	Agency securities refer to debt obligations issued or guaranteed by government corporations or government-sponsored enterprises (“GSEs”). Non-agency securities, or private-label securities, are the sole obligation of their issuer and are not guaranteed by any of the GSEs or the U.S. Government.

SECURITIES Debt Securities by C

SECURITIES Debt Securities by Contractual Maturities (Details) $ in Thousands	Mar. 31, 2019USD ($)
Investments, Debt and Equity Securities [Abstract]
Within 1 year, Amortized Cost	$ 6,516
Within 1 year, Fair Value	6,496
After 1 but within 5 years, Amortized Cost	21,966
After 1 but within 5 years, Fair Value	21,888
After 5 but within 10 years, Amortized Cost	3,099
After 5 but within 10 years, Fair Value	3,139
After 10 years, Amortized Cost	37,852
After 10 years, Fair Value	37,296
Available-for-Sale Securities, Debt Maturities, excluding Mortgage-Backed Securities, Amortized Cost	69,433
Available-for-Sale, Debt Securities, Excluding Mortgage-Backed Securities	68,819
Mortgage-backed securities, Amortized Cost	71,033
Mortgage-backed securities, Fair Value	70,260
Available-for-sale Securities, Debt Maturities, Amortized Cost Basis	140,466
Debt Securities, Available-for-sale	$ 139,079

SECURITIES Securities in Contin

SECURITIES Securities in Continuous Loss Position (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Debt Securities, Available-for-sale [Line Items]
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	$ 2,272	$ 11,575
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	22	44
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	89,125	92,049
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	2,090	3,014
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	91,397	103,624
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss	2,112	3,058
U.S. Government and agency obligations
Debt Securities, Available-for-sale [Line Items]
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	0	2,982
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	0	12
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	35,362	35,673
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	1,068	1,391
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	35,362	38,655
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss	1,068	1,403
Government-sponsored enterprises
Debt Securities, Available-for-sale [Line Items]
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	0	2,962
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	0	9
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	6,961	3,949
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	18	54
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	6,961	6,911
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss	18	63
Agency - residential
Debt Securities, Available-for-sale [Line Items]
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	2,272	5,310
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	22	22
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	46,758	51,840
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	1,000	1,564
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	49,030	57,150
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss	1,022	1,586
Non-agency - residential
Debt Securities, Available-for-sale [Line Items]
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	0	0
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	0	0
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	44	47
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	4	4
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	44	47
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss	$ 4	4
Tax-exempt securities
Debt Securities, Available-for-sale [Line Items]
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value		321
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss		1
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value		540
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss		1
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value		861
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss		$ 2

LOANS RECEIVABLE AND ALLOWANC_3

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES Loan Portfolio (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018	Mar. 31, 2018	Dec. 31, 2017
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	$ 1,328,052	$ 1,324,078
Allowance for loan losses	(15,213)	(14,682)
Loans receivable, net	1,316,229	1,312,565
Total real estate loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	1,019,703	996,562
Real estate: Residential - 1 to 4 family [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	379,203	384,353
Allowance for loan losses	(1,141)	(1,196)	$ (1,197)	$ (1,093)
Real estate: Multi-family and commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	597,033	568,889
Allowance for loan losses	(8,680)	(8,140)	(6,953)	(6,627)
Real estate: Construction [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	43,467	43,320
Allowance for loan losses	(1,141)	(1,120)	(727)	(633)
Total commercial business loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	258,531	278,445
Allowance for loan losses	(3,630)	(3,599)	(3,478)	(3,308)
Commercial business: SBA and USDA guaranteed [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	64,389	68,481
Commercial business: Time share [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	37,759	39,391
Commercial business: Condominium association [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	33,710	35,899
Commercial Business: Medical loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	37,244	37,454
Commercial business: Other [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	85,429	97,220
Total consumer loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	49,818	49,071
Allowance for loan losses	(621)	(627)	(649)	(673)
Consumer: Home equity [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	48,076	47,502
Consumer: Other [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	1,742	1,569
Deferred loan origination costs, net of fees [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Deferred loan origination costs, net of fees	3,390	3,169
Allowance for loan losses [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance for loan losses	$ (15,213)	$ (14,682)	$ (13,004)	$ (12,334)

LOANS RECEIVABLE AND ALLOWANC_4

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES Narrative - (Details) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Dec. 31, 2018
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Significant Purchases	$ (12,601)	$ (2,382)	$ (56,000)
Mortgage Loans in Process of Foreclosure, Amount	$ 1,819

LOANS RECEIVABLE AND ALLOWANC_5

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES Allowance for Loan Losses (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Allowance for Loan and Lease Losses [Roll Forward]
Balance at beginning of period	$ 14,682
Provision for loan losses	518	$ 725
Balance at end of period	15,213
Allowance for loan losses [Member]
Allowance for Loan and Lease Losses [Roll Forward]
Balance at beginning of period	14,682	12,334
Provision for loan losses	518	725
Loans charged-off	(1)	(64)
Recoveries of loans previously charged-off	14	9
Balance at end of period	15,213	13,004
Real estate: Residential - 1 to 4 family [Member]
Allowance for Loan and Lease Losses [Roll Forward]
Balance at beginning of period	1,196	1,093
Provision for loan losses	(55)	104
Loans charged-off	0	0
Recoveries of loans previously charged-off	0	0
Balance at end of period	1,141	1,197
Real estate: Multi-family and commercial [Member]
Allowance for Loan and Lease Losses [Roll Forward]
Balance at beginning of period	8,140	6,627
Provision for loan losses	538	326
Loans charged-off	0	0
Recoveries of loans previously charged-off	2	0
Balance at end of period	8,680	6,953
Real estate: Construction [Member]
Allowance for Loan and Lease Losses [Roll Forward]
Balance at beginning of period	1,120	633
Provision for loan losses	21	94
Loans charged-off	0	0
Recoveries of loans previously charged-off	0	0
Balance at end of period	1,141	727
Commercial Business [Member]
Allowance for Loan and Lease Losses [Roll Forward]
Balance at beginning of period	3,599	3,308
Provision for loan losses	19	225
Loans charged-off	0	(64)
Recoveries of loans previously charged-off	12	9
Balance at end of period	3,630	3,478
Consumer [Member]
Allowance for Loan and Lease Losses [Roll Forward]
Balance at beginning of period	627	673
Provision for loan losses	(5)	(24)
Loans charged-off	(1)	0
Recoveries of loans previously charged-off	0	0
Balance at end of period	$ 621	$ 649

LOANS RECEIVABLE AND ALLOWANC_6

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES Allowance for Loan Losses, Futher Information (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018	Mar. 31, 2018	Dec. 31, 2017
Financing Receivable, Impaired [Line Items]
Allowance for loans individually evaluated and deemed to be impaired	$ 2,141	$ 1,922
Allowance for loans individually or collectively evaluated and not deemed to be impaired	13,072	12,760
Allowance for loans acquired with deteriorated credit quality	0	0
Total loan loss allowance	15,213	14,682
Loans individually evaluated and deemed to be impaired	17,003	18,695
Loans individually or collectively evaluated and not deemed to be impaired	1,310,725	1,304,723
Amount of loans acquired with deteriorated credit quality	324	660
Total loans	1,328,052	1,324,078
Real estate: Residential - 1 to 4 family [Member]
Financing Receivable, Impaired [Line Items]
Allowance for loans individually evaluated and deemed to be impaired	324	283
Allowance for loans individually or collectively evaluated and not deemed to be impaired	817	913
Allowance for loans acquired with deteriorated credit quality	0	0
Total loan loss allowance	1,141	1,196	$ 1,197	$ 1,093
Loans individually evaluated and deemed to be impaired	6,060	5,837
Loans individually or collectively evaluated and not deemed to be impaired	373,143	378,516
Amount of loans acquired with deteriorated credit quality	0	0
Total loans	379,203	384,353
Real estate: Multi-family and commercial [Member]
Financing Receivable, Impaired [Line Items]
Allowance for loans individually evaluated and deemed to be impaired	1,531	1,346
Allowance for loans individually or collectively evaluated and not deemed to be impaired	7,149	6,794
Allowance for loans acquired with deteriorated credit quality	0	0
Total loan loss allowance	8,680	8,140	6,953	6,627
Loans individually evaluated and deemed to be impaired	10,048	12,056
Loans individually or collectively evaluated and not deemed to be impaired	586,661	556,173
Amount of loans acquired with deteriorated credit quality	324	660
Total loans	597,033	568,889
Real estate: Construction [Member]
Financing Receivable, Impaired [Line Items]
Allowance for loans individually evaluated and deemed to be impaired	0	0
Allowance for loans individually or collectively evaluated and not deemed to be impaired	1,141	1,120
Allowance for loans acquired with deteriorated credit quality	0	0
Total loan loss allowance	1,141	1,120	727	633
Loans individually evaluated and deemed to be impaired	0	0
Loans individually or collectively evaluated and not deemed to be impaired	43,467	43,320
Amount of loans acquired with deteriorated credit quality	0	0
Total loans	43,467	43,320
Commercial Business [Member]
Financing Receivable, Impaired [Line Items]
Allowance for loans individually evaluated and deemed to be impaired	265	266
Allowance for loans individually or collectively evaluated and not deemed to be impaired	3,365	3,333
Allowance for loans acquired with deteriorated credit quality	0	0
Total loan loss allowance	3,630	3,599	3,478	3,308
Loans individually evaluated and deemed to be impaired	490	495
Loans individually or collectively evaluated and not deemed to be impaired	258,041	277,950
Amount of loans acquired with deteriorated credit quality	0	0
Total loans	258,531	278,445
Consumer [Member]
Financing Receivable, Impaired [Line Items]
Allowance for loans individually evaluated and deemed to be impaired	21	27
Allowance for loans individually or collectively evaluated and not deemed to be impaired	600	600
Allowance for loans acquired with deteriorated credit quality	0	0
Total loan loss allowance	621	627	$ 649	$ 673
Loans individually evaluated and deemed to be impaired	405	307
Loans individually or collectively evaluated and not deemed to be impaired	49,413	48,764
Amount of loans acquired with deteriorated credit quality	0	0
Total loans	$ 49,818	$ 49,071

LOANS RECEIVABLE AND ALLOWANC_7

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES Past Due Loans Receivable (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Past Due	$ 26,794	$ 14,497
Loans Receivable Current and Not Past Due	1,301,258	1,309,581
Total loans	1,328,052	1,324,078
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing	335	522
Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Past Due	19,196	8,635
Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Past Due	4,090	1,583
Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Past Due	3,508	4,279
Real estate: Residential - 1 to 4 family [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Past Due	9,752	9,149
Loans Receivable Current and Not Past Due	369,451	375,204
Total loans	379,203	384,353
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing	0	0
Real estate: Residential - 1 to 4 family [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Past Due	6,913	5,585
Real estate: Residential - 1 to 4 family [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Past Due	711	1,233
Real estate: Residential - 1 to 4 family [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Past Due	2,128	2,331
Real estate: Multi-family and commercial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Past Due	11,386	3,249
Loans Receivable Current and Not Past Due	585,647	565,640
Total loans	597,033	568,889
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing	335	522
Real estate: Multi-family and commercial [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Past Due	7,337	1,441
Real estate: Multi-family and commercial [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Past Due	3,211	295
Real estate: Multi-family and commercial [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Past Due	838	1,513
Real estate: Construction [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Past Due	212	0
Loans Receivable Current and Not Past Due	43,255	43,320
Total loans	43,467	43,320
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing	0	0
Real estate: Construction [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Past Due	212	0
Real estate: Construction [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Past Due	0	0
Real estate: Construction [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Past Due	0	0
Commercial business: SBA and USDA guaranteed [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Past Due	602	993
Loans Receivable Current and Not Past Due	63,787	67,488
Total loans	64,389	68,481
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing	0	0
Commercial business: SBA and USDA guaranteed [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Past Due	602	993
Commercial business: SBA and USDA guaranteed [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Past Due	0	0
Commercial business: SBA and USDA guaranteed [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Past Due	0	0
Commercial business: Time share [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Past Due	0	0
Loans Receivable Current and Not Past Due	37,759	39,391
Total loans	37,759	39,391
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing	0	0
Commercial business: Time share [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Past Due	0	0
Commercial business: Time share [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Past Due	0	0
Commercial business: Time share [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Past Due	0	0
Commercial business: Condominium association [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Past Due	0	0
Loans Receivable Current and Not Past Due	33,710	35,899
Total loans	33,710	35,899
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing	0	0
Commercial business: Condominium association [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Past Due	0	0
Commercial business: Condominium association [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Past Due	0	0
Commercial business: Condominium association [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Past Due	0	0
Commercial Business: Medical loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Past Due	0	43
Loans Receivable Current and Not Past Due	37,244	37,411
Total loans	37,244	37,454
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing	0	0
Commercial Business: Medical loans [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Past Due	0	43
Commercial Business: Medical loans [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Past Due	0	0
Commercial Business: Medical loans [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Past Due	0	0
Commercial business: Other [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Past Due	4,012	649
Loans Receivable Current and Not Past Due	81,417	96,571
Total loans	85,429	97,220
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing	0	0
Commercial business: Other [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Past Due	3,690	324
Commercial business: Other [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Past Due	0	0
Commercial business: Other [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Past Due	322	325
Consumer: Home equity [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Past Due	824	410
Loans Receivable Current and Not Past Due	47,252	47,092
Total loans	48,076	47,502
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing	0	0
Consumer: Home equity [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Past Due	437	247
Consumer: Home equity [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Past Due	167	54
Consumer: Home equity [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Past Due	220	109
Consumer: Other [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Past Due	6	4
Loans Receivable Current and Not Past Due	1,736	1,565
Total loans	1,742	1,569
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing	0	0
Consumer: Other [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Past Due	5	2
Consumer: Other [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Past Due	1	1
Consumer: Other [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Past Due	$ 0	$ 1

LOANS RECEIVABLE AND ALLOWANC_8

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES Impaired Loans and Non Accrual Loans by Class (Details) - USD ($) $ in Thousands		Mar. 31, 2019	Dec. 31, 2018
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, Related Allowance	[1]	$ 2,141	$ 1,922
Impaired Financing Receivable, Recorded Investment	[1]	17,327	19,355
Impaired Financing Receivable, Unpaid Principal Balance	[1]	18,163	19,994
Financing Receivable, Recorded Investment, Nonaccrual Status		8,117	9,296
Real estate: Residential - 1 to 4 family [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with Related Allowance, Recorded Investment	[1]	2,200	1,974
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	[1]	2,211	1,985
Impaired Financing Receivable, Related Allowance	[1]	324	283
Nonaccrual Loans, with Related Allowance		612	504
Real estate: Multi-family and commercial [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with Related Allowance, Recorded Investment	[1]	5,898	4,862
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	[1]	5,898	4,862
Impaired Financing Receivable, Related Allowance	[1]	1,531	1,346
Nonaccrual Loans, with Related Allowance		2,108	2,108
Commercial business: Other [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with Related Allowance, Recorded Investment	[1]	425	427
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	[1]	1,053	1,055
Impaired Financing Receivable, Related Allowance	[1]	265	266
Nonaccrual Loans, with Related Allowance		257	257
Consumer: Home equity [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with Related Allowance, Recorded Investment	[1]	152	135
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	[1]	152	135
Impaired Financing Receivable, Related Allowance	[1]	21	27
Nonaccrual Loans, with Related Allowance		53	36
Total impaired loans with valuation allowance [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with Related Allowance, Recorded Investment	[1]	8,675	7,398
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	[1]	9,314	8,037
Impaired Financing Receivable, Related Allowance	[1]	2,141	1,922
Nonaccrual Loans, with Related Allowance		3,030	2,905
Real estate: Residential - 1 to 4 family [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	[1]	3,860	3,863
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	[1]	3,860	3,863
Nonaccrual Loans, with No Related Allowance		3,153	3,153
Real estate: Multi-family and commercial [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	[1]	4,474	7,854
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	[1]	4,671	7,854
Nonaccrual Loans, with No Related Allowance		1,614	2,996
Commercial business: Other [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	[1]	65	68
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	[1]	65	68
Nonaccrual Loans, with No Related Allowance		65	68
Consumer: Home equity [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	[1]	253	172
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	[1]	253	172
Nonaccrual Loans, with No Related Allowance		253	172
Loans and Leases Receivable Indirect Automobile [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	[1]		0
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	[1]		0
Nonaccrual Loans, with No Related Allowance			2
Consumer: Other [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	[1]	0
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	[1]	0
Nonaccrual Loans, with No Related Allowance		2
Total impaired loans without valuation allowance [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	[1]	8,652	11,957
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	[1]	8,849	11,957
Nonaccrual Loans, with No Related Allowance		$ 5,087	$ 6,391
[1]	(1) Includes loans acquired with deteriorated credit quality from the Newport Federal Savings Bank ("Newport") merger and performing troubled debt restructurings.

LOANS RECEIVABLE AND ALLOWANC_9

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES Additional Info Related to Impaired Loans (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	$ 18,343	$ 17,496
Interest Income Recognized	269	155
Interest Income Recognized on Cash Basis	128	20
Real estate: Residential - 1 to 4 family [Member]
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	6,115	5,462
Interest Income Recognized	42	28
Interest Income Recognized on Cash Basis	19	0
Real estate: Multi-family and commercial [Member]
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	10,736	10,245
Interest Income Recognized	213	104
Interest Income Recognized on Cash Basis	106	6
Commercial Business: Medical loans [Member]
Financing Receivable, Impaired [Line Items]
Average Recorded Investment		46
Interest Income Recognized		0
Interest Income Recognized on Cash Basis		0
Commercial business: Other [Member]
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	1,134	1,402
Interest Income Recognized	10	22
Interest Income Recognized on Cash Basis	0	14
Consumer: Home equity [Member]
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	356	340
Interest Income Recognized	4	1
Interest Income Recognized on Cash Basis	3	0
Consumer Portfolio Segment [Member]
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	2	1
Interest Income Recognized	0	0
Interest Income Recognized on Cash Basis	$ 0	$ 0

LOANS RECEIVABLE AND ALLOWAN_10

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES Credit Quality Information (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	$ 1,328,052	$ 1,324,078
Total real estate loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	1,019,703	996,562
Real estate: Residential - 1 to 4 family [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	379,203	384,353
Real estate: Multi-family and commercial [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	597,033	568,889
Real estate: Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	43,467	43,320
Total commercial business loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	258,531	278,445
Commercial business: SBA and USDA guaranteed [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	64,389	68,481
Commercial business: Time share [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	37,759	39,391
Commercial business: Condominium association [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	33,710	35,899
Commercial Business: Medical loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	37,244	37,454
Commercial business: Other [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	85,429	97,220
Total consumer loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	49,818	49,071
Consumer: Home equity [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	48,076	47,502
Consumer: Other [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	1,742	1,569
Not Rated [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	64,389	68,481
Not Rated [Member] | Total real estate loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	0	0
Not Rated [Member] | Real estate: Residential - 1 to 4 family [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	0	0
Not Rated [Member] | Real estate: Multi-family and commercial [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	0	0
Not Rated [Member] | Real estate: Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	0	0
Not Rated [Member] | Total commercial business loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	64,389	68,481
Not Rated [Member] | Commercial business: SBA and USDA guaranteed [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	64,389	68,481
Not Rated [Member] | Commercial business: Time share [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	0	0
Not Rated [Member] | Commercial business: Condominium association [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	0	0
Not Rated [Member] | Commercial Business: Medical loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	0	0
Not Rated [Member] | Commercial business: Other [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	0	0
Not Rated [Member] | Total consumer loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	0	0
Not Rated [Member] | Consumer: Home equity [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	0	0
Not Rated [Member] | Consumer: Other [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	0	0
Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	1,205,845	1,195,531
Pass [Member] | Total real estate loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	966,901	941,196
Pass [Member] | Real estate: Residential - 1 to 4 family [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	370,722	375,896
Pass [Member] | Real estate: Multi-family and commercial [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	562,416	531,630
Pass [Member] | Real estate: Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	33,763	33,670
Pass [Member] | Total commercial business loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	189,688	205,724
Pass [Member] | Commercial business: SBA and USDA guaranteed [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	0	0
Pass [Member] | Commercial business: Time share [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	37,759	39,391
Pass [Member] | Commercial business: Condominium association [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	33,710	35,899
Pass [Member] | Commercial Business: Medical loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	37,237	37,439
Pass [Member] | Commercial business: Other [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	80,982	92,995
Pass [Member] | Total consumer loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	49,256	48,611
Pass [Member] | Consumer: Home equity [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	47,515	47,044
Pass [Member] | Consumer: Other [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	1,741	1,567
Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	26,281	27,480
Special Mention [Member] | Total real estate loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	22,149	23,609
Special Mention [Member] | Real estate: Residential - 1 to 4 family [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	1,439	1,323
Special Mention [Member] | Real estate: Multi-family and commercial [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	11,006	12,636
Special Mention [Member] | Real estate: Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	9,704	9,650
Special Mention [Member] | Total commercial business loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	3,976	3,750
Special Mention [Member] | Commercial business: SBA and USDA guaranteed [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	0	0
Special Mention [Member] | Commercial business: Time share [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	0	0
Special Mention [Member] | Commercial business: Condominium association [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	0	0
Special Mention [Member] | Commercial Business: Medical loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	7	0
Special Mention [Member] | Commercial business: Other [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	3,969	3,750
Special Mention [Member] | Total consumer loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	156	121
Special Mention [Member] | Consumer: Home equity [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	156	121
Special Mention [Member] | Consumer: Other [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	0	0
Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	31,280	32,329
Substandard [Member] | Total real estate loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	30,653	31,757
Substandard [Member] | Real estate: Residential - 1 to 4 family [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	7,042	7,134
Substandard [Member] | Real estate: Multi-family and commercial [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	23,611	24,623
Substandard [Member] | Real estate: Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	0	0
Substandard [Member] | Total commercial business loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	221	233
Substandard [Member] | Commercial business: SBA and USDA guaranteed [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	0	0
Substandard [Member] | Commercial business: Time share [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	0	0
Substandard [Member] | Commercial business: Condominium association [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	0	0
Substandard [Member] | Commercial Business: Medical loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	0	15
Substandard [Member] | Commercial business: Other [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	221	218
Substandard [Member] | Total consumer loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	406	339
Substandard [Member] | Consumer: Home equity [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	405	337
Substandard [Member] | Consumer: Other [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	1	2
Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	257	257
Doubtful [Member] | Total real estate loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	0	0
Doubtful [Member] | Real estate: Residential - 1 to 4 family [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	0	0
Doubtful [Member] | Real estate: Multi-family and commercial [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	0	0
Doubtful [Member] | Real estate: Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	0	0
Doubtful [Member] | Total commercial business loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	257	257
Doubtful [Member] | Commercial business: SBA and USDA guaranteed [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	0	0
Doubtful [Member] | Commercial business: Time share [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	0	0
Doubtful [Member] | Commercial business: Condominium association [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	0	0
Doubtful [Member] | Commercial Business: Medical loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	0	0
Doubtful [Member] | Commercial business: Other [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	257	257
Doubtful [Member] | Total consumer loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	0	0
Doubtful [Member] | Consumer: Home equity [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	0	0
Doubtful [Member] | Consumer: Other [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	0	0
Loss [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	0	0
Loss [Member] | Total real estate loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	0	0
Loss [Member] | Real estate: Residential - 1 to 4 family [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	0	0
Loss [Member] | Real estate: Multi-family and commercial [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	0	0
Loss [Member] | Real estate: Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	0	0
Loss [Member] | Total commercial business loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	0	0
Loss [Member] | Commercial business: SBA and USDA guaranteed [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	0	0
Loss [Member] | Commercial business: Time share [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	0	0
Loss [Member] | Commercial business: Condominium association [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	0	0
Loss [Member] | Commercial Business: Medical loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	0	0
Loss [Member] | Commercial business: Other [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	0	0
Loss [Member] | Total consumer loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	0	0
Loss [Member] | Consumer: Home equity [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	0	0
Loss [Member] | Consumer: Other [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross	$ 0	$ 0

LOANS RECEIVABLE AND ALLOWAN_11

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES Loans Modified as TDRs (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2019USD ($)	Mar. 31, 2018USD ($)
Financing Receivable, Modifications [Line Items]
Financing Receivable Modifications Contracts Number	0	3
Financing Receivable Modifications Investment Recorded	$ 0	$ 462
Financing Receivable, Modifications, Allowance for Loan Losses	$ 0	$ 71
Real estate: Residential - 1 to 4 family [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable Modifications Contracts Number	0	2
Financing Receivable Modifications Investment Recorded	$ 0	$ 362
Financing Receivable, Modifications, Allowance for Loan Losses	$ 0	$ 61
Home Equity Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable Modifications Contracts Number	0	1
Financing Receivable Modifications Investment Recorded	$ 0	$ 100
Financing Receivable, Modifications, Allowance for Loan Losses	$ 0	$ 10

LOANS RECEIVABLE AND ALLOWAN_12

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES TDR - By Type of Modification (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Financing Receivable, Modifications [Line Items]
Loans Modified As Troubled Debt Restructurings During Period	$ 0	$ 462
Adjusted Interest Rate [Member]
Financing Receivable, Modifications [Line Items]
Loans Modified As Troubled Debt Restructurings During Period	0	77
Combination of Rate and Payment [Member]
Financing Receivable, Modifications [Line Items]
Loans Modified As Troubled Debt Restructurings During Period	$ 0	$ 385

LOANS RECEIVABLE AND ALLOWAN_13

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES Loans Acquired with Evidence of Credit Deteroration (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2019USD ($)
Contractual Required Payments Receivable [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Loans Acquired with Deteriorated Credit, Carrying Amount	$ 798
Collections of principal repayments on loans acquired with deteriorated credit	(7)
Disposition of loans acquired with deteriorated credit quality	(310)
Loans Acquired with Deteriorated Credit, Carrying Amount	481
Cash Expected to be Collected [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Loans Acquired with Deteriorated Credit, Carrying Amount	660
Collections of principal repayments on loans acquired with deteriorated credit	(7)
Disposition of loans acquired with deteriorated credit quality	(310)
Loans Acquired with Deteriorated Credit, Carrying Amount	343
Non-Accretable Discount [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Loans Acquired with Deteriorated Credit, Carrying Amount	138
Collections of principal repayments on loans acquired with deteriorated credit	0
Disposition of loans acquired with deteriorated credit quality	0
Loans Acquired with Deteriorated Credit, Carrying Amount	138
Accretable Yield [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Loans Acquired with Deteriorated Credit, Carrying Amount	20
Collections of principal repayments on loans acquired with deteriorated credit	(1)
Disposition of loans acquired with deteriorated credit quality	0
Loans Acquired with Deteriorated Credit, Carrying Amount	19
Loans Receivable [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Loans Acquired with Deteriorated Credit, Carrying Amount	640
Collections of principal repayments on loans acquired with deteriorated credit	(6)
Disposition of loans acquired with deteriorated credit quality	(310)
Loans Acquired with Deteriorated Credit, Carrying Amount	$ 324

PREMISES AND EQUIPMENT (Details

PREMISES AND EQUIPMENT (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Property, Plant and Equipment [Abstract]
Land	$ 4,746	$ 4,746
Buildings	13,911	13,829
Leasehold Improvements	12,703	12,635
Furniture and Equipment	13,371	13,525
Total	44,731	44,735
Accumulated depreciation and amortization	(25,499)	(25,183)
Premises and equipment, net	$ 19,232	$ 19,552

OTHER COMPREHENSIVE INCOME Comp

OTHER COMPREHENSIVE INCOME Components of Other Comprehensive Income (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Securities: [Abstract]
Unrealized holding losses on available for sale securities, Before Tax Amount	$ 1,321
Unrealized holding losses on available for sale securities, Tax Effects	(278)
Unrealized holding losses on available for sale securities, Net of Tax Amount	1,043
Other comprehensive loss, Before Tax Amount	1,321
Other comprehensive loss, Tax Effects	(278)
Other comprehensive loss	$ 1,043	$ (1,078)

OTHER COMPREHENSIVE INCOME Co_2

OTHER COMPREHENSIVE INCOME Components of Accumulated Other Comprehensive Income (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Accumulated Other Comprehensive Income (Loss), Available-for-sale Securities Adjustment, Before Tax Amount	$ (1,387)	$ (2,708)
Accumulated Other Comprehensive Income (Loss), Available-for-sale Securities Adjustment, Tax Effects	292	570
Accumulated Other Comprehensive Income (Loss), Debt Securities, Available-for-sale, Adjustment, after Tax	(1,095)	(2,138)
Accumulated Other Comprehensive Income (Loss), Before Tax Amount	(1,387)	(2,708)
Accumulated Other Comprehensive Income (Loss), Tax Effects	292	570
Accumulated Other Comprehensive Income (Loss), Net of Tax	$ (1,095)	$ (2,138)

REGULATORY CAPITAL (Details)

REGULATORY CAPITAL (Details) - Savings Institute Bank and Trust Company [Member] - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Tier One Common Equity	$ 157,809	$ 154,215
Tier One Common Equity to Risk Weighted Assets	12.89%	12.88%
Tier One Common Equity Required for Capital Adequacy	$ 55,105	$ 53,865
Tier One Common Equity Required for Capital Adequacy to Risk Weighted Assets	4.50%	4.50%
Tier One Common Equity Required to be Well Capitalized	$ 79,596	$ 77,805
Tier One Common Equity Required to be Well Capitalized to Risk Weighted Assets	6.50%	6.50%
Tier One Risk Based Capital	$ 157,809	$ 154,215
Tier One Risk Based Capital to Risk Weighted Assets	12.89%	12.88%
Tier One Risk Based Capital Required for Capital Adequacy	$ 73,473	$ 71,820
Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets	6.00%	6.00%
Tier One Risk Based Capital Required to be Well Capitalized	$ 97,964	$ 95,760
Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets	8.00%	8.00%
Capital	$ 173,121	$ 169,182
Capital to Risk Weighted Assets	14.14%	14.13%
Capital Required for Capital Adequacy	$ 97,964	$ 95,760
Capital Required for Capital Adequacy to Risk Weighted Assets	8.00%	8.00%
Capital Required to be Well Capitalized	$ 122,455	$ 119,700
Capital Required to be Well Capitalized to Risk Weighted Assets	10.00%	10.00%
Tier One Leverage Capital	$ 157,809	$ 154,215
Tier One Leverage Capital to Average Assets	9.68%	9.58%
Tier One Leverage Capital Required for Capital Adequacy	$ 65,194	$ 64,374
Tier One Leverage Capital Required for Capital Adequacy to Average Assets	4.00%	4.00%
Tier One Leverage Capital Required to be Well Capitalized	$ 81,493	$ 80,468
Tier One Leverage Capital Required to be Well Capitalized to Average Assets	5.00%	5.00%

FAIR VALUE OF ASSETS AND LIAB_3

FAIR VALUE OF ASSETS AND LIABILITIES Fair Value Measurements - Recurring (Details) - Fair Value, Measurements, Recurring [Member] - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Assets, Fair Value Disclosure [Abstract]
Assets Fair Value Disclosure	$ 142,313	$ 145,444
Liabilities, Fair Value Disclosure [Abstract]
Financial Liabilities Fair Value Disclosure	3,167	1,534
U.S. Government and agency obligations
Assets, Fair Value Disclosure [Abstract]
Assets Fair Value Disclosure	54,969	57,038
Government-sponsored enterprises
Assets, Fair Value Disclosure [Abstract]
Assets Fair Value Disclosure	9,999	9,945
Mortgage-backed securities:(1)
Assets, Fair Value Disclosure [Abstract]
Assets Fair Value Disclosure	70,260	72,986
Collateralized debt obligation
Assets, Fair Value Disclosure [Abstract]
Assets Fair Value Disclosure	812	826
Obligations of state and political subdivisions
Assets, Fair Value Disclosure [Abstract]
Assets Fair Value Disclosure	500	500
Tax-exempt securities
Assets, Fair Value Disclosure [Abstract]
Assets Fair Value Disclosure	2,539	2,527
Fair Value, Inputs, Level 1 [Member]
Assets, Fair Value Disclosure [Abstract]
Assets Fair Value Disclosure	16,954	18,391
Liabilities, Fair Value Disclosure [Abstract]
Financial Liabilities Fair Value Disclosure	0	0
Fair Value, Inputs, Level 1 [Member] | U.S. Government and agency obligations
Assets, Fair Value Disclosure [Abstract]
Assets Fair Value Disclosure	16,954	18,391
Fair Value, Inputs, Level 1 [Member] | Government-sponsored enterprises
Assets, Fair Value Disclosure [Abstract]
Assets Fair Value Disclosure	0	0
Fair Value, Inputs, Level 1 [Member] | Mortgage-backed securities:(1)
Assets, Fair Value Disclosure [Abstract]
Assets Fair Value Disclosure	0	0
Fair Value, Inputs, Level 1 [Member] | Collateralized debt obligation
Assets, Fair Value Disclosure [Abstract]
Assets Fair Value Disclosure	0	0
Fair Value, Inputs, Level 1 [Member] | Obligations of state and political subdivisions
Assets, Fair Value Disclosure [Abstract]
Assets Fair Value Disclosure	0	0
Fair Value, Inputs, Level 1 [Member] | Tax-exempt securities
Assets, Fair Value Disclosure [Abstract]
Assets Fair Value Disclosure	0	0
Fair Value, Inputs, Level 2 [Member]
Assets, Fair Value Disclosure [Abstract]
Assets Fair Value Disclosure	124,476	126,138
Liabilities, Fair Value Disclosure [Abstract]
Financial Liabilities Fair Value Disclosure	3,163	1,533
Fair Value, Inputs, Level 2 [Member] | U.S. Government and agency obligations
Assets, Fair Value Disclosure [Abstract]
Assets Fair Value Disclosure	38,015	38,647
Fair Value, Inputs, Level 2 [Member] | Government-sponsored enterprises
Assets, Fair Value Disclosure [Abstract]
Assets Fair Value Disclosure	9,999	9,945
Fair Value, Inputs, Level 2 [Member] | Mortgage-backed securities:(1)
Assets, Fair Value Disclosure [Abstract]
Assets Fair Value Disclosure	70,260	72,986
Fair Value, Inputs, Level 2 [Member] | Collateralized debt obligation
Assets, Fair Value Disclosure [Abstract]
Assets Fair Value Disclosure	0	0
Fair Value, Inputs, Level 2 [Member] | Obligations of state and political subdivisions
Assets, Fair Value Disclosure [Abstract]
Assets Fair Value Disclosure	500	500
Fair Value, Inputs, Level 2 [Member] | Tax-exempt securities
Assets, Fair Value Disclosure [Abstract]
Assets Fair Value Disclosure	2,539	2,527
Fair Value, Inputs, Level 3 [Member]
Assets, Fair Value Disclosure [Abstract]
Assets Fair Value Disclosure	883	915
Liabilities, Fair Value Disclosure [Abstract]
Financial Liabilities Fair Value Disclosure	4	1
Fair Value, Inputs, Level 3 [Member] | U.S. Government and agency obligations
Assets, Fair Value Disclosure [Abstract]
Assets Fair Value Disclosure	0	0
Fair Value, Inputs, Level 3 [Member] | Government-sponsored enterprises
Assets, Fair Value Disclosure [Abstract]
Assets Fair Value Disclosure	0	0
Fair Value, Inputs, Level 3 [Member] | Mortgage-backed securities:(1)
Assets, Fair Value Disclosure [Abstract]
Assets Fair Value Disclosure	0	0
Fair Value, Inputs, Level 3 [Member] | Collateralized debt obligation
Assets, Fair Value Disclosure [Abstract]
Assets Fair Value Disclosure	812	826
Fair Value, Inputs, Level 3 [Member] | Obligations of state and political subdivisions
Assets, Fair Value Disclosure [Abstract]
Assets Fair Value Disclosure	0	0
Fair Value, Inputs, Level 3 [Member] | Tax-exempt securities
Assets, Fair Value Disclosure [Abstract]
Assets Fair Value Disclosure	0	0
Forward loan sale commitments and loan derivative commitments
Assets, Fair Value Disclosure [Abstract]
Assets Fair Value Disclosure	71	89
Liabilities, Fair Value Disclosure [Abstract]
Financial Liabilities Fair Value Disclosure	4	1
Forward loan sale commitments and loan derivative commitments | Fair Value, Inputs, Level 1 [Member]
Assets, Fair Value Disclosure [Abstract]
Assets Fair Value Disclosure	0	0
Liabilities, Fair Value Disclosure [Abstract]
Financial Liabilities Fair Value Disclosure	0	0
Forward loan sale commitments and loan derivative commitments | Fair Value, Inputs, Level 2 [Member]
Assets, Fair Value Disclosure [Abstract]
Assets Fair Value Disclosure	0	0
Liabilities, Fair Value Disclosure [Abstract]
Financial Liabilities Fair Value Disclosure	0	0
Forward loan sale commitments and loan derivative commitments | Fair Value, Inputs, Level 3 [Member]
Assets, Fair Value Disclosure [Abstract]
Assets Fair Value Disclosure	71	89
Liabilities, Fair Value Disclosure [Abstract]
Financial Liabilities Fair Value Disclosure	4	1
Interest Rate Swap [Member]
Assets, Fair Value Disclosure [Abstract]
Assets Fair Value Disclosure	3,163	1,533
Liabilities, Fair Value Disclosure [Abstract]
Financial Liabilities Fair Value Disclosure	3,163	1,533
Interest Rate Swap [Member] | Fair Value, Inputs, Level 1 [Member]
Assets, Fair Value Disclosure [Abstract]
Assets Fair Value Disclosure	0	0
Liabilities, Fair Value Disclosure [Abstract]
Financial Liabilities Fair Value Disclosure	0	0
Interest Rate Swap [Member] | Fair Value, Inputs, Level 2 [Member]
Assets, Fair Value Disclosure [Abstract]
Assets Fair Value Disclosure	3,163	1,533
Liabilities, Fair Value Disclosure [Abstract]
Financial Liabilities Fair Value Disclosure	3,163	1,533
Interest Rate Swap [Member] | Fair Value, Inputs, Level 3 [Member]
Assets, Fair Value Disclosure [Abstract]
Assets Fair Value Disclosure	0	0
Liabilities, Fair Value Disclosure [Abstract]
Financial Liabilities Fair Value Disclosure	$ 0	$ 0

FAIR VALUE OF ASSETS AND LIAB_4

FAIR VALUE OF ASSETS AND LIABILITIES Reconciliation of Level 3 Assets and Liabilities - Recurring (Details) - Fair Value, Measurements, Recurring [Member] - Fair Value, Inputs, Level 3 [Member] $ in Thousands	3 Months Ended
	Mar. 31, 2019USD ($)
Collateralized Debt Obligations [Member]
Fair Value, Assets and Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Abstract]
Beginning balance	$ 826
Total realized gains included in net income	0
Principal payments and net accretion	(14)
Ending balance	812
Derivative Loan and Forward Loan Sale Commitments, Net [Member]
Fair Value, Assets and Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Abstract]
Beginning balance	88
Total realized gains included in net income	(21)
Principal payments and net accretion	0
Ending balance	$ 67

FAIR VALUE OF ASSETS AND LIAB_5

FAIR VALUE OF ASSETS AND LIABILITIES Fair Value - Nonrecurring Hierarchy (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other real estate owned, Fair Value Disclosure	$ 222	$ 720
Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired Loans Fair Value Disclosure	0	0
Other real estate owned, Fair Value Disclosure	0	0
Total Losses	0	0
Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired Loans Fair Value Disclosure	0	0
Other real estate owned, Fair Value Disclosure	0	0
Total Losses	0	0
Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired Loans Fair Value Disclosure	993	1,016
Other real estate owned, Fair Value Disclosure	222	720
Total Losses	$ 1,215	$ 1,736

FAIR VALUE OF ASSETS AND LIAB_6

FAIR VALUE OF ASSETS AND LIABILITIES Fair Value - Nonrecurring Gain/Loss Adjustments (Details) - Fair Value, Measurements, Nonrecurring [Member] - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired Loans	$ 241	$ 266
Other real estate owned	0	26
Total Adjustments to Fair Value, Assets Measured on a Nonrecurring Basis	$ 241	$ 292

FAIR VALUE OF ASSETS AND LIAB_7

FAIR VALUE OF ASSETS AND LIABILITIES Fair Value - Financial Instruments (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Financial Assets [Abstract]
Cash, Cash Equivalents, and Federal Funds Sold	$ 120,719	$ 87,929
Available-for-sale Securities	139,079	143,822
Loans held for sale	1,324	1,915
Loans Receivable, Net Amount	1,316,229	1,312,565
Federal Home Loan Bank Stock	8,168	9,035
Federal Reserve Bank Stock	3,638	3,638
Accrued interest receivable	5,099	4,921
Financial Liabilities [Abstract]
Deposits	1,317,009	1,288,031
Mortgagors' and investors' escrow accounts	3,138	4,701
Federal Home Loan Bank Advances	151,621	151,836
Junior subordinated debt owed to unconsolidated trust	8,248	8,248
Carrying (Reported) Amount, Fair Value Disclosure [Member]
Financial Assets [Abstract]
Cash, Cash Equivalents, and Federal Funds Sold	120,719	87,929
Available-for-sale Securities	139,079	143,822
Loans held for sale	1,324	1,915
Loans Receivable, Net Amount	1,316,229	1,312,565
Federal Home Loan Bank Stock	8,168	9,035
Federal Reserve Bank Stock	3,638	3,638
Accrued interest receivable	5,099	4,921
Financial Liabilities [Abstract]
Deposits	1,317,009	1,288,031
Mortgagors' and investors' escrow accounts	3,138	4,701
Federal Home Loan Bank Advances	151,621	151,836
Junior subordinated debt owed to unconsolidated trust	8,248	8,248
Derivative Assets [Abstract]
Derivative Loan Commitments, Asset	25	23
Forward Sale Loan Commitments, Asset	46	66
Interest Rate Swap Agreements, Asset	3,163	1,533
Derivative Liabilities [Abstract]
Forward Sale Loan Commitments, Liability	4	1
Interest Rate Swap Agreement, Liability	3,163	1,533
Estimate of Fair Value, Fair Value Disclosure [Member]
Financial Assets [Abstract]
Cash and Cash Equivalents, Fair Value Disclosure	120,719	87,929
Available-for-sale securities, Fair Value Disclosure	139,079	143,822
Loans Held-for-sale, Fair Value Disclosure	1,379	1,950
Loans Receivable, Fair Value Disclosure	1,306,251	1,285,733
Federal Home Loan Bank Stock, Fair Value Disclosure	8,168	9,035
Federal Reserve Bank stock, Fair Value Disclosure	3,638	3,638
Accrued interest receivable, Fair Value Disclosure	5,099	4,921
Financial Liabilities [Abstract]
Deposits, Fair Value Disclosure	1,317,732	1,288,238
Mortgagors' and investors' escrow accounts	3,138	4,701
Federal Home Loan Bank Advances, Fair Value Disclosure	150,413	149,838
Junior subordinated debt owed to uncolsolidated trust, Fair Value Disclosure	6,439	6,613
Derivative Assets [Abstract]
Derivative Loan Commitments, Asset	25	23
Forward Sale Loan Commitments, Asset	46	66
Interest Rate Swap Agreements, Asset	3,163	1,533
Derivative Liabilities [Abstract]
Forward Sale Loan Commitments, Liability	4	1
Interest Rate Swap Agreement, Liability	3,163	1,533
Fair Value, Inputs, Level 1 [Member]
Financial Assets [Abstract]
Cash and Cash Equivalents, Fair Value Disclosure	120,719	87,929
Available-for-sale securities, Fair Value Disclosure	16,954	18,391
Loans Held-for-sale, Fair Value Disclosure	0	0
Loans Receivable, Fair Value Disclosure	0	0
Federal Home Loan Bank Stock, Fair Value Disclosure	0	0
Federal Reserve Bank stock, Fair Value Disclosure	0	0
Accrued interest receivable, Fair Value Disclosure	0	0
Financial Liabilities [Abstract]
Deposits, Fair Value Disclosure	0	0
Mortgagors' and investors' escrow accounts	0	0
Federal Home Loan Bank Advances, Fair Value Disclosure	0	0
Junior subordinated debt owed to uncolsolidated trust, Fair Value Disclosure	0	0
Derivative Assets [Abstract]
Derivative Loan Commitments, Asset	0	0
Forward Sale Loan Commitments, Asset	0	0
Interest Rate Swap Agreements, Asset	0	0
Derivative Liabilities [Abstract]
Forward Sale Loan Commitments, Liability	0	0
Interest Rate Swap Agreement, Liability	0	0
Fair Value, Inputs, Level 2 [Member]
Financial Assets [Abstract]
Cash and Cash Equivalents, Fair Value Disclosure	0	0
Available-for-sale securities, Fair Value Disclosure	121,313	124,605
Loans Held-for-sale, Fair Value Disclosure	0	0
Loans Receivable, Fair Value Disclosure	0	0
Federal Home Loan Bank Stock, Fair Value Disclosure	0	0
Federal Reserve Bank stock, Fair Value Disclosure	0	0
Accrued interest receivable, Fair Value Disclosure	0	0
Financial Liabilities [Abstract]
Deposits, Fair Value Disclosure	0	0
Mortgagors' and investors' escrow accounts	0	0
Federal Home Loan Bank Advances, Fair Value Disclosure	150,413	149,838
Junior subordinated debt owed to uncolsolidated trust, Fair Value Disclosure	0	6,613
Derivative Assets [Abstract]
Derivative Loan Commitments, Asset	0	0
Forward Sale Loan Commitments, Asset	0	0
Interest Rate Swap Agreements, Asset	3,163	1,533
Derivative Liabilities [Abstract]
Forward Sale Loan Commitments, Liability	0	0
Interest Rate Swap Agreement, Liability	3,163	1,533
Fair Value, Inputs, Level 3 [Member]
Financial Assets [Abstract]
Cash and Cash Equivalents, Fair Value Disclosure	0	0
Available-for-sale securities, Fair Value Disclosure	812	826
Loans Held-for-sale, Fair Value Disclosure	1,379	1,950
Loans Receivable, Fair Value Disclosure	1,306,251	1,285,733
Federal Home Loan Bank Stock, Fair Value Disclosure	8,168	9,035
Federal Reserve Bank stock, Fair Value Disclosure	3,638	3,638
Accrued interest receivable, Fair Value Disclosure	5,099	4,921
Financial Liabilities [Abstract]
Deposits, Fair Value Disclosure	1,317,732	1,288,238
Mortgagors' and investors' escrow accounts	3,138	4,701
Federal Home Loan Bank Advances, Fair Value Disclosure	0	0
Junior subordinated debt owed to uncolsolidated trust, Fair Value Disclosure	6,439	0
Derivative Assets [Abstract]
Derivative Loan Commitments, Asset	25	23
Forward Sale Loan Commitments, Asset	46	66
Interest Rate Swap Agreements, Asset	0	0
Derivative Liabilities [Abstract]
Forward Sale Loan Commitments, Liability	4	1
Interest Rate Swap Agreement, Liability	$ 0	$ 0

DERIVATIVE INSTRUMENTS AND HE_3

DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES Derivative Instrument - Nonhedge (Details) $ in Thousands	Mar. 31, 2019USD ($)
Derivative [Line Items]
Cash Balance Pledged Against Derivative Liability	$ 3,500
Outstanding Receivables Secured in Excess of by Partner Bank	$ 100

DERIVATIVE INSTRUMENTS AND HE_4

DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES Derivative Fair Value and Balance Sheet Classification (Details) - Not Designated as Hedging Instrument [Member] - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2019	Dec. 31, 2018
Derivatives, Fair Value [Line Items]
Derivative Loan Commitments, Fair Value, Net	$ 25	$ 23
Forward Sale Loan Commitments, Fair Value, Net	42	65
Interest Rate Swap Agreements, Asset	3,163	1,533
Interest Rate Swap Agreement, Liability	3,163	1,533
Derivative Loan Commitments [Member] | Other Assets [Member]
Derivatives, Fair Value [Line Items]
Derivative Asset, Notional Amount	$ 2,164	$ 2,541
Weighted Average Interest Rate Received Interest Rate Swaps	0.00%	0.00%
Weighted Average Interest Rate Paid Interest Rate Swaps	0.00%	0.00%
Forward Loan Sale Commitments [Member] | Other Assets [Member]
Derivatives, Fair Value [Line Items]
Derivative Asset, Notional Amount	$ 3,488	$ 4,009
Weighted Average Interest Rate Received Interest Rate Swaps	0.00%	0.00%
Weighted Average Interest Rate Paid Interest Rate Swaps	0.00%	0.00%
Commercial Loan Customer Interest Rate Swap Position [Member] | Other Assets [Member]
Derivatives, Fair Value [Line Items]
Derivative Asset, Notional Amount	$ 67,712	$ 40,988
Weighted Average Maturity Period	8 years 10 months 25 days	10 years 2 months 24 days
Weighted Average Interest Rate Received Interest Rate Swaps	4.45%	4.64%
Weighted Average Interest Rate Paid Interest Rate Swaps	4.45%	4.64%
Counterparty Interest Rate Swap Position [Member] | Other Liabilities [Member]
Derivatives, Fair Value [Line Items]
Derivative Liability, Notional Amount	$ 67,712	$ 40,988
Weighted Average Maturity Period	8 years 10 months 25 days	10 years 2 months 24 days
Weighted Average Interest Rate Received Interest Rate Swaps	4.45%	4.64%
Weighted Average Interest Rate Paid Interest Rate Swaps	4.45%	4.64%

OPERATING LEASES - RIGHT OF U_3

OPERATING LEASES - RIGHT OF USE ASSETS Operating Leases Maturity Analysis (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Lessee, Lease, Description [Line Items]
Lessee, Operating Lease, Liability, Payments, Due Next Rolling Twelve Months	$ 1,314
Lessee, Operating Lease, Liability, Payments, Due in Rolling Year Two	1,296
Lessee, Operating Lease, Liability, Payments, Due in Rolling Year Three	1,154
Lessee, Operating Lease, Liability, Payments, Due in Rolling Year Four	1,053
Lessee, Operating Lease, Liability, Payments, Due in Rolling Year Five	1,049
Lessee, Operating Lease, Liability, Payments, Due after Rolling Year Five	6,176
Lessee, Operating Lease, Liability, Payments, Due	12,042
Lessee, Operating Lease, Liability, Undiscounted Excess Amount	(2,289)
Operating lease liability	$ 9,753	$ 0

OPERATING LEASES - RIGHT OF U_4

OPERATING LEASES - RIGHT OF USE ASSETS Operating Leases (Details) - USD ($)	3 Months Ended
	Mar. 31, 2019	Dec. 31, 2018
Operating Leases - Right of Use Assets [Abstract]
Operating lease liability	$ 9,753,000	$ 0
Operating leases right-of-use assets	$ 9,704,000	$ 0
Operating Lease, Weighted Average Remaining Lease Term	6 years 6 months 25 days
Lessee, Operating Lease, Discount Rate	3.51%
Operating Lease, Cost	$ 237,000
Operating Lease, Payments	$ 223,000

MERGER AGREEMENT WITH BERKSHI_2

MERGER AGREEMENT WITH BERKSHIRE HILLS BANCORP, INC. (Details)	Dec. 11, 2018	Mar. 31, 2019
Subsequent Events [Abstract]
Business Acquisition, Date of Acquisition Agreement	Dec. 11, 2018
Business Acquisition, Date of Stockholder Approval		Apr. 2, 2019