commercial real estate and business loans totaled approximately $ 357.1 million , or 47.5 % of the gross loan portfolio at december 31 , 2017. in growing the commercial loan portfolio , the bank has emphasized maintaining strong asset quality by following conservative loan underwriting guidelines . all commercial loans are underwritten in a central location in the lawrenceville office to ensure uniformity and consistency in underwriting decisions . ​ expanding the product mix and capacity to sell residential loans in the secondary mortgage market . the bank is in the process of expanding its offerings of residential lending products to include more saleable government sponsored loans ( e.g . usda , fha , phfa and va ) . these loans , which generally have longer terms and fixed rates , can be originated and sold to avoid increasing the bank 's interest rate risk exposure while establishing customer deposit and other relationships . ​ emphasizing core deposits by attracting new customers and enhancing existing customer relationships . in an effort to grow the banking franchise , the bank has enhanced direct marketing efforts to local businesses and consumers and established a stronger culture of cross-selling products to existing customers . in addition , a comprehensive strategy has been developed to attract and retain deposits by offering enhanced technology , such as mobile and online banking , remote check deposit , people pay and remote deposit capture , with a consistent emphasis on quality customer service . ​ rationalizing delivery channels as customer preferences evolve . standard currently operates seventeen community banking offices . a program is in place to evaluate all existing locations as well as digital and web-based service delivery options . the objective is to ensure an efficient service delivery system that balances the use of technology and personal customer service . the bank also evaluates additional community banking office expansion opportunities , primarily through purchases of offices , to enhance its presence in its current market and adjacent areas . ​ pursuing future expansion and whole-bank acquisitions , although there are no current arrangements or agreements with respect to any such acquisitions . standard intends to evaluate acquisitions of other financial institutions on an on-going basis as industry consolidation continues , strategic transactions are identified and other opportunities present themselves . ​ critical accounting policies we consider accounting policies that require management to exercise significant judgment or discretion or make significant assumptions that have , or could have , a material impact on the carrying value of certain assets or on income , to be critical accounting policies . we consider the following to be our critical accounting policies . 25 allowance for loan losses . we maintain an allowance for loan losses in an amount we believe is appropriate to absorb probable losses inherent in the portfolio at a balance sheet date . management 's periodic determination of the adequacy of the allowance is based on the size and current risk characteristics of the loan portfolio , an assessment of individual problem loans and actual loss experience , current economic events in relevant industries and other pertinent factors such as regulatory guidance and general economic conditions . however , this evaluation is inherently subjective , as it requires an estimate of the loss content for each risk rating and for each impaired loan , an estimate of the amounts and timing of expected future cash flows , and an appraisal or other estimate of the value of collateral on impaired loans and estimated losses on pools of homogenous loans based on the balance of loans in each loan category , changes in the inherent credit risk due to portfolio growth , historical loss experience and consideration of current economic trends . based on our estimate of the level of allowance for loan losses required , we record a provision for loan losses to maintain the allowance for loan losses at an appropriate level . the determination of the allowance for loan losses is based on management 's current judgments about the loan portfolio credit quality and management 's consideration of all known relevant internal and external factors that affect loan collectability , as of the reporting date . we can not predict with certainty the amount of loan charge-offs that will be incurred . we do not currently determine a range of loss with respect to the allowance for loan losses . in addition , various banking regulatory agencies , as an integral part of their examination processes , periodically review our allowance for loan losses . such agencies may require that we recognize additions to the allowance for loan losses based on their judgments about information available to them at the time of their examination . accordingly , actual results could differ from those estimates . other-than-temporary impairment . in estimating other-than-temporary impairment of investment securities , securities are evaluated periodically , and at least quarterly , to determine whether a decline in their value is other than temporary . we consider numerous factors when determining whether potential other-than-temporary impairment exists and the period over which a debt security is expected to recover . the principal factors considered are ( 1 ) the length of time and the extent to which the fair value has been less than the amortized cost basis , ( 2 ) the financial condition of the issuer ( and guarantor , if any ) and adverse conditions specifically related to the security , industry or geographic area , ( 3 ) failure of the issuer of the security to make scheduled interest or principal payments , ( 4 ) any changes to the rating of a security by a rating agency , and ( 5 ) the presence of credit enhancements , if any , including the guarantee of the federal government or any of its agencies . story_separator_special_tag % money market accounts ​ ​ ​ ​ 81,135 ​ ​ ​ ​ ​ 0.31 % ​ ​ ​ ​ ​ 27,866 ​ ​ ​ ​ ​ 0.33 % ​ ​ ​ ​ ​ 18,169 ​ ​ ​ ​ ​ 0.24 % demand and now accounts ​ ​ ​ ​ 86,543 ​ ​ ​ ​ ​ 0.17 % ​ ​ ​ ​ ​ 75,699 ​ ​ ​ ​ ​ 0.13 % ​ ​ ​ ​ ​ 61,305 ​ ​ ​ ​ ​ 0.14 % total deposits ​ ​ ​ $ 505,411 ​ ​ ​ ​ ​ 0.69 % ​ ​ ​ ​ $ 342,923 ​ ​ ​ ​ ​ 0.79 % ​ ​ ​ ​ $ 313,987 ​ ​ ​ ​ ​ 0.83 % ​ at december 31 , 2017 , the scheduled maturities of time deposits in denominations of $ 100,000 or more was $ 89.5 million . the following table summarizes the maturity of those certificates at december 31 , 2017 . ( dollars in thousands ) ​ ​ december 31 , 2017 ​ three months or less ​ ​ ​ $ 17,936 ​ ​ three to six months ​ ​ ​ ​ 12,655 ​ ​ six to twelve months ​ ​ ​ ​ 4,538 ​ ​ over twelve months ​ ​ ​ ​ 54,391 ​ ​ total ​ ​ ​ $ 89,520 ​ ​ ​ borrowings . our borrowings consist of short-term borrowings and long-term advances from the fhlb . short-term borrowings were $ 27.0 million at december 31 , 2017. there were no short-term borrowings at december 31 , 2016. short-term borrowings assumed in the acquisition totaled $ 64.6 million . during the year ended december 31 , 2017 , proceeds from short-term borrowings were $ 202.1 million , offset by the repayment of $ 239.7 million . long-term advances increased $ 60.0 million to $ 107.7 million at december 31 , 2017 from $ 47.7 million at december 31 , 2016. the increase was due primarily to the extension of the short-term borrowings to longer term advances . during the year ended december 31 , 2017 , proceeds from fhlb advances were $ 83.1 million , partially offset by repayments of $ 23.2 million . the following table summarizes short-term balances and weighted average interest rates at the dates indicated . replace_table_token_4_th total stockholders ' equity . stockholders ' equity increased $ 61.0 million , or 83.5 % , to $ 134.0 million at december 31 , 2017 from $ 73.0 million at december 31 , 2016. the increase was due primarily to the issuance of stock as merger consideration for the acquisition of allegheny valley . in addition , the net income of $ 4.3 million for the year ended december 31 , 2017 and the exercise of stock options valued at $ 311,000 , was partially offset by dividends paid during the year ended december 31 , 2017 of $ 3.3 million . 30 average balance and yields the following tables set forth average balance sheets , average yields and costs , and certain other information for the years and the periods indicated . no tax-equivalent yield adjustments were made , as the effect thereof was not material . all average balances are daily average balances . non-accrual loans were included in the computation of average balances , but have been reflected in the table as loans carrying a zero yield . the yields set forth below include the effect of deferred fees , discounts and premiums that are amortized or accreted to interest income or expense . replace_table_token_5_th ​ ( 1 ) net interest rate spread represents the difference between the yield on average interest-earning assets and the cost of average interest-bearing liabilities . ​ ( 2 ) net interest-earning assets represents total interest-earning assets less total interest-bearing liabilities . ​ ( 3 ) net interest margin represents net interest income divided by average total interest-earning assets . ​ ​ 31 replace_table_token_6_th ​ ( 1 ) net interest rate spread represents the difference between the yield on average interest-earning assets and the cost of average interest-bearing liabilities . ​ ( 2 ) net interest-earning assets represents total interest-earning assets less total interest-bearing liabilities . ​ ( 3 ) net interest margin represents net interest income divided by average total interest-earning assets . ​ ​ 32 rate/volume analysis the following tables present the effects of changing rates and volumes on our net interest income for the years and periods indicated . the rate column shows the effects attributable to changes in rate ( changes in rate multiplied by prior volume ) . the volume column shows the effects attributable to changes in volume ( changes in volume multiplied by prior rate ) . the total column represents the sum of the prior columns . for purposes of this table , changes attributable to both rate and volume , which can not be segregated , have been allocated proportionately , based on the changes due to rate and the changes due to volume . ​ ​ ​ year ended december 31 , 2017 vs. year ended september 30 , 2016 ​ ​ ​ ​ increase ( decrease ) due to ​ ( dollars in thousands ) ​ ​ volume ​ ​ rate ​ ​ total ​ interest-earning assets : ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ interest-earning deposits ​ ​ ​ $ 1 ​ ​ ​ ​ $ 98 ​ ​ ​ ​ $ 99 ​ ​ securities ​ ​ ​ ​ 1,450 ​ ​ ​ ​ ​ 28 ​ ​ ​ ​ ​ 1,478 ​ ​ loans receivable ​ ​ ​ ​ 11,831 ​ ​ ​ ​ ​ 687 ​ ​ ​ ​ ​ 12,518 ​ ​ fhlb stock ​ ​ ​ ​ 202 ​ ​ ​ ​ ​ 16 ​ ​ ​ ​ ​ 218 ​ ​ total interest-earning assets ​ ​ ​ ​ 13,484 ​ ​ ​ ​ ​

cash and cash equivalents . cash and cash equivalents increased $ 5.7 million , or 54.6 % , to $ 16.3 million at december 31 , 2017 from $ 10.5 million at december 31 , 2016 , due primarily to the acquisition of allegheny valley . cash from customers into deposit accounts , loan and security repayments and proceeds from borrowed funds typically increase these accounts . decreases result from customer withdrawals , new loan origination , purchases of investment securities and repayment of borrowed funds . investment and mortgage-backed securities . investments and mortgage-backed securities available for sale increased $ 72.5 million , or 119.5 % , to $ 133.2 million at december 31 , 2017 from $ 60.7 million at december 31 , 2016. the increase in the securities portfolio includes $ 95.9 million of securities acquired from allegheny valley . investment and mortgage-backed securities composition . the composition of the investment and mortgage-backed securities portfolio is summarized in the following table . at december 31 , 2017 and december 31 , 2016 , all of our investment and mortgage-backed securities were classified as available for sale and recorded at current fair value . ​ ​ ​ at


 Write a concise suspicious activity report of the following text delimited by triple backquotes. Return your response as a formal report which covers the key points highlighting the location,dates,entity names and account holder information in chronological order of the text.
     ```cash and cash equivalents . cash and cash equivalents increased $ 5.7 million , or 54.6 % , to $ 16.3 million at december 31 , 2017 from $ 10.5 million at december 31 , 2016 , due primarily to the acquisition of allegheny valley . cash from customers into deposit accounts , loan and security repayments and proceeds from borrowed funds typically increase these accounts . decreases result from customer withdrawals , new loan origination , purchases of investment securities and repayment of borrowed funds . investment and mortgage-backed securities . investments and mortgage-backed securities available for sale increased $ 72.5 million , or 119.5 % , to $ 133.2 million at december 31 , 2017 from $ 60.7 million at december 31 , 2016. the increase in the securities portfolio includes $ 95.9 million of securities acquired from allegheny valley . investment and mortgage-backed securities composition . the composition of the investment and mortgage-backed securities portfolio is summarized in the following table . at december 31 , 2017 and december 31 , 2016 , all of our investment and mortgage-backed securities were classified as available for sale and recorded at current fair value . ​ ​ ​ at
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 Suspicious Activity Report : commercial real estate and business loans totaled approximately $ 357.1 million , or 47.5 % of the gross loan portfolio at december 31 , 2017. in growing the commercial loan portfolio , the bank has emphasized maintaining strong asset quality by following conservative loan underwriting guidelines . all commercial loans are underwritten in a central location in the lawrenceville office to ensure uniformity and consistency in underwriting decisions . ​ expanding the product mix and capacity to sell residential loans in the secondary mortgage market . the bank is in the process of expanding its offerings of residential lending products to include more saleable government sponsored loans ( e.g . usda , fha , phfa and va ) . these loans , which generally have longer terms and fixed rates , can be originated and sold to avoid increasing the bank 's interest rate risk exposure while establishing customer deposit and other relationships . ​ emphasizing core deposits by attracting new customers and enhancing existing customer relationships . in an effort to grow the banking franchise , the bank has enhanced direct marketing efforts to local businesses and consumers and established a stronger culture of cross-selling products to existing customers . in addition , a comprehensive strategy has been developed to attract and retain deposits by offering enhanced technology , such as mobile and online banking , remote check deposit , people pay and remote deposit capture , with a consistent emphasis on quality customer service . ​ rationalizing delivery channels as customer preferences evolve . standard currently operates seventeen community banking offices . a program is in place to evaluate all existing locations as well as digital and web-based service delivery options . the objective is to ensure an efficient service delivery system that balances the use of technology and personal customer service . the bank also evaluates additional community banking office expansion opportunities , primarily through purchases of offices , to enhance its presence in its current market and adjacent areas . ​ pursuing future expansion and whole-bank acquisitions , although there are no current arrangements or agreements with respect to any such acquisitions . standard intends to evaluate acquisitions of other financial institutions on an on-going basis as industry consolidation continues , strategic transactions are identified and other opportunities present themselves . ​ critical accounting policies we consider accounting policies that require management to exercise significant judgment or discretion or make significant assumptions that have , or could have , a material impact on the carrying value of certain assets or on income , to be critical accounting policies . we consider the following to be our critical accounting policies . 25 allowance for loan losses . we maintain an allowance for loan losses in an amount we believe is appropriate to absorb probable losses inherent in the portfolio at a balance sheet date . management 's periodic determination of the adequacy of the allowance is based on the size and current risk characteristics of the loan portfolio , an assessment of individual problem loans and actual loss experience , current economic events in relevant industries and other pertinent factors such as regulatory guidance and general economic conditions . however , this evaluation is inherently subjective , as it requires an estimate of the loss content for each risk rating and for each impaired loan , an estimate of the amounts and timing of expected future cash flows , and an appraisal or other estimate of the value of collateral on impaired loans and estimated losses on pools of homogenous loans based on the balance of loans in each loan category , changes in the inherent credit risk due to portfolio growth , historical loss experience and consideration of current economic trends . based on our estimate of the level of allowance for loan losses required , we record a provision for loan losses to maintain the allowance for loan losses at an appropriate level . the determination of the allowance for loan losses is based on management 's current judgments about the loan portfolio credit quality and management 's consideration of all known relevant internal and external factors that affect loan collectability , as of the reporting date . we can not predict with certainty the amount of loan charge-offs that will be incurred . we do not currently determine a range of loss with respect to the allowance for loan losses . in addition , various banking regulatory agencies , as an integral part of their examination processes , periodically review our allowance for loan losses . such agencies may require that we recognize additions to the allowance for loan losses based on their judgments about information available to them at the time of their examination . accordingly , actual results could differ from those estimates . other-than-temporary impairment . in estimating other-than-temporary impairment of investment securities , securities are evaluated periodically , and at least quarterly , to determine whether a decline in their value is other than temporary . we consider numerous factors when determining whether potential other-than-temporary impairment exists and the period over which a debt security is expected to recover . the principal factors considered are ( 1 ) the length of time and the extent to which the fair value has been less than the amortized cost basis , ( 2 ) the financial condition of the issuer ( and guarantor , if any ) and adverse conditions specifically related to the security , industry or geographic area , ( 3 ) failure of the issuer of the security to make scheduled interest or principal payments , ( 4 ) any changes to the rating of a security by a rating agency , and ( 5 ) the presence of credit enhancements , if any , including the guarantee of the federal government or any of its agencies . story_separator_special_tag % money market accounts ​ ​ ​ ​ 81,135 ​ ​ ​ ​ ​ 0.31 % ​ ​ ​ ​ ​ 27,866 ​ ​ ​ ​ ​ 0.33 % ​ ​ ​ ​ ​ 18,169 ​ ​ ​ ​ ​ 0.24 % demand and now accounts ​ ​ ​ ​ 86,543 ​ ​ ​ ​ ​ 0.17 % ​ ​ ​ ​ ​ 75,699 ​ ​ ​ ​ ​ 0.13 % ​ ​ ​ ​ ​ 61,305 ​ ​ ​ ​ ​ 0.14 % total deposits ​ ​ ​ $ 505,411 ​ ​ ​ ​ ​ 0.69 % ​ ​ ​ ​ $ 342,923 ​ ​ ​ ​ ​ 0.79 % ​ ​ ​ ​ $ 313,987 ​ ​ ​ ​ ​ 0.83 % ​ at december 31 , 2017 , the scheduled maturities of time deposits in denominations of $ 100,000 or more was $ 89.5 million . the following table summarizes the maturity of those certificates at december 31 , 2017 . ( dollars in thousands ) ​ ​ december 31 , 2017 ​ three months or less ​ ​ ​ $ 17,936 ​ ​ three to six months ​ ​ ​ ​ 12,655 ​ ​ six to twelve months ​ ​ ​ ​ 4,538 ​ ​ over twelve months ​ ​ ​ ​ 54,391 ​ ​ total ​ ​ ​ $ 89,520 ​ ​ ​ borrowings . our borrowings consist of short-term borrowings and long-term advances from the fhlb . short-term borrowings were $ 27.0 million at december 31 , 2017. there were no short-term borrowings at december 31 , 2016. short-term borrowings assumed in the acquisition totaled $ 64.6 million . during the year ended december 31 , 2017 , proceeds from short-term borrowings were $ 202.1 million , offset by the repayment of $ 239.7 million . long-term advances increased $ 60.0 million to $ 107.7 million at december 31 , 2017 from $ 47.7 million at december 31 , 2016. the increase was due primarily to the extension of the short-term borrowings to longer term advances . during the year ended december 31 , 2017 , proceeds from fhlb advances were $ 83.1 million , partially offset by repayments of $ 23.2 million . the following table summarizes short-term balances and weighted average interest rates at the dates indicated . replace_table_token_4_th total stockholders ' equity . stockholders ' equity increased $ 61.0 million , or 83.5 % , to $ 134.0 million at december 31 , 2017 from $ 73.0 million at december 31 , 2016. the increase was due primarily to the issuance of stock as merger consideration for the acquisition of allegheny valley . in addition , the net income of $ 4.3 million for the year ended december 31 , 2017 and the exercise of stock options valued at $ 311,000 , was partially offset by dividends paid during the year ended december 31 , 2017 of $ 3.3 million . 30 average balance and yields the following tables set forth average balance sheets , average yields and costs , and certain other information for the years and the periods indicated . no tax-equivalent yield adjustments were made , as the effect thereof was not material . all average balances are daily average balances . non-accrual loans were included in the computation of average balances , but have been reflected in the table as loans carrying a zero yield . the yields set forth below include the effect of deferred fees , discounts and premiums that are amortized or accreted to interest income or expense . replace_table_token_5_th ​ ( 1 ) net interest rate spread represents the difference between the yield on average interest-earning assets and the cost of average interest-bearing liabilities . ​ ( 2 ) net interest-earning assets represents total interest-earning assets less total interest-bearing liabilities . ​ ( 3 ) net interest margin represents net interest income divided by average total interest-earning assets . ​ ​ 31 replace_table_token_6_th ​ ( 1 ) net interest rate spread represents the difference between the yield on average interest-earning assets and the cost of average interest-bearing liabilities . ​ ( 2 ) net interest-earning assets represents total interest-earning assets less total interest-bearing liabilities . ​ ( 3 ) net interest margin represents net interest income divided by average total interest-earning assets . ​ ​ 32 rate/volume analysis the following tables present the effects of changing rates and volumes on our net interest income for the years and periods indicated . the rate column shows the effects attributable to changes in rate ( changes in rate multiplied by prior volume ) . the volume column shows the effects attributable to changes in volume ( changes in volume multiplied by prior rate ) . the total column represents the sum of the prior columns . for purposes of this table , changes attributable to both rate and volume , which can not be segregated , have been allocated proportionately , based on the changes due to rate and the changes due to volume . ​ ​ ​ year ended december 31 , 2017 vs. year ended september 30 , 2016 ​ ​ ​ ​ increase ( decrease ) due to ​ ( dollars in thousands ) ​ ​ volume ​ ​ rate ​ ​ total ​ interest-earning assets : ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ interest-earning deposits ​ ​ ​ $ 1 ​ ​ ​ ​ $ 98 ​ ​ ​ ​ $ 99 ​ ​ securities ​ ​ ​ ​ 1,450 ​ ​ ​ ​ ​ 28 ​ ​ ​ ​ ​ 1,478 ​ ​ loans receivable ​ ​ ​ ​ 11,831 ​ ​ ​ ​ ​ 687 ​ ​ ​ ​ ​ 12,518 ​ ​ fhlb stock ​ ​ ​ ​ 202 ​ ​ ​ ​ ​ 16 ​ ​ ​ ​ ​ 218 ​ ​ total interest-earning assets ​ ​ ​ ​ 13,484 ​ ​ ​ ​ ​

