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Allowance For Loan Losses (Tables)

6 Months Ended

Jun. 30, 2013

Allowance for Loan and Lease Losses, Adjustments, Net [Abstract]

Schedule Of Allowance For Loan Loss By Portfolio Segment

The following summarizes the activity in the allowance for loan loss, by portfolio segment, for the six months ended June 30, 2013 and 2012 (in thousands).  The following also presents the balance in the allowance for loan loss disaggregated on the basis of the Company’s impairment measurement method and the related recorded investment in loans, by portfolio segment, as of June 30, 2013 and December 31, 2012 (in thousands).

	Commercial &			Commercial			Residential									DDA
	Industrial			Real Estate			Real Estate			Home equity			Consumer			Overdrafts			Total
Six months ended June 30, 2013
Allowance for loan loss
Beginning balance	$	498		$	10,440		$	5,229		$	1,699		$	81		$	862		$	18,809
Charge-offs	392			622			1,111			270			224			687			3,306
Recoveries	21			34			68			—			217			477			817
Provision	939			642			1,792			222			7			147			3,749
Ending balance	$	1,066		$	10,494		$	5,978		$	1,651		$	81		$	799		$	20,069
Six months ended June 30, 2012
Allowance for loan loss
Beginning balance	$	590		$	11,666		$	3,591		$	2,773		$	88		$	701		$	19,409
Charge-offs	117			2,015			494			856			95			710			4,287
Recoveries	2			97			7			11			64			524			705
Provision	110			1,341			720			1,009			171			274			3,625
Ending balance	$	585		$	11,089		$	3,824		$	2,937		$	228		$	789		$	19,452
As of June 30, 2013
Allowance for loan loss
Evaluated for impairment:
Individually	$	—		$	750		$	—		$	—		$	—		$	—		$	750
Collectively	1,066			9,567			5,978			1,651			81			799			19,142
Acquired with deteriorated
credit quality	—			177			—			—			—			—			177
Total	$	1,066		$	10,494		$	5,978		$	1,651		$	81		$	799		$	20,069
Loans
Evaluated for impairment:
Individually	$	—		$	12,505		$	464		$	297		$	—		$	—		$	13,266
Collectively	133,697			985,856			1,168,267			135,856			54,134			3,103			2,480,913
Acquired with deteriorated
credit quality	4,602			24,950			1,392			2,214			108			—			33,266
Total	$	138,299		$	1,023,311		$	1,170,123		$	138,367		$	54,242		$	3,103		$	2,527,445
As of December 31, 2012
Allowance for loan loss
Evaluated for impairment:
Individually	$	—		$	—		$	—		$	—		$	—		$	—		$	—
Collectively	498			10,440			5,229			1,699			81			862			18,809
Acquired with deteriorated
credit quality	—			—			—			—			—			—			—
Total	$	498		$	10,440		$	5,229		$	1,699		$	81		$	862		$	18,809
Loans
Evaluated for impairment:
Individually	$	—		$	9,912		$	469		$	298		$	—		$	—		$	10,679
Collectively	107,044			807,060			1,030,840			142,724			36,453			4,551			2,128,672
Acquired with deteriorated
credit quality	1,695			4,998			126			88			111			—			7,018
Total	$	108,739		$	821,970		$	1,031,435		$	143,110		$	36,564		$	4,551		$	2,146,369

Schedule Of Credit Quality Indicators

The following presents loans by the Company’s commercial loans by credit quality indicators, by class (in thousands):

	Commercial and industrial				Commercial real estate				Total
June 30, 2013
Pass	$	123,406			$	933,365			$	1,056,771
Special mention	3,252				30,769				34,021
Substandard	11,202				58,661				69,863
Doubtful	439				516				955
Total	$	138,299			$	1,023,311			$	1,161,610
December 31, 2012
Pass	$	105,690			$	771,617			$	877,307
Special mention	878				15,015				15,893
Substandard	2,171				35,338				37,509
Doubtful	—				—				—
Total	$	108,739			$	821,970			$	930,709

The Company uses the following definitions for its risk ratings:

Risk Rating	Description
Pass ratings:
(a) Exceptional	Loans classified as exceptional are secured with liquid collateral conforming to the internal loan policy.  Loans rated within this category pose minimal risk of loss to the bank and the risk grade within this pool of loans is generally updated on an annual basis.
(b) Good	Loans classified as good have similar characteristics that include a strong balance sheet, satisfactory debt service coverage ratios, strong management and/or guarantors, and little exposure to economic cycles.  Loans within this category are generally reviewed on an annual basis.  Loans in this category generally have a low chance of loss to the bank.
(c) Acceptable	Loans classified as acceptable have acceptable liquidity levels, adequate debt service coverage ratios, experienced management, and have average exposure to economic cycles.  Loans within this category generally have a low risk of loss to the bank.
(d) Pass/watch	Loans classified as pass/watch have erratic levels of leverage and/or liquidity, cash flow is volatile and the borrower is subject to moderate economic risk.  A borrower in this category poses a low to moderate risk of loss to the bank.
Special mention	Loans classified as special mention have a potential weakness(es) that deserves management’s close attention.  The potential weakness could result in deterioration of the loan repayment or the bank’s credit position at some future date.  A loan rated in this category poses a moderate loss risk to the bank.
Substandard	Loans classified as substandard reflect a customer with a well defined weakness that jeopardizes the liquidation of the debt.  Loans in this category have the possibility that the bank will sustain some loss if the deficiencies are not corrected and the bank’s collateral value is weakened by the financial deterioration of the borrower.
Doubtful	Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristics that make collection of the full contract amount highly improbable.  Loans rated in this category are most likely to cause the bank to have a loss due to a collateral shortfall or a negative capital position.

Schedule Of Noncommercial Loans By Payment Performance

The following table presents the Company's non-commercial loans by payment performance, by class (in thousands):

	Performing				Non-Performing				Total
June 30, 2013
Residential real estate	$	1,159,816			$	10,307			$	1,170,123
Home equity - junior lien	137,683				684				138,367
Consumer	53,502				740				54,242
DDA overdrafts	2,813				290				3,103
Total	$	1,353,814			$	12,021			$	1,365,835
December 31, 2012
Residential real estate	$	1,029,142			$	2,293			$	1,031,435
Home equity - junior lien	141,961				1,149				143,110
Consumer	36,564				—				36,564
DDA overdrafts	4,548				3				4,551
Total	$	1,212,215			$	3,445			$	1,215,660

Schedule Of Aging Analysis Of Accruing And Non-Accruing Loans

The following presents an aging analysis of the Company’s accruing and non-accruing loans, by class, as of June 30, 2013 and December 31, 2012 (in thousands):

	Originated Loans
	June 30, 2013
	Accruing
	Current				30-59 days				60-89 days				Over 90 days				Non-accrual				Total
Residential real estate	$	1,045,086			$	5,609			$	716			$	200			$	1,851			$	1,053,462
Home equity - junior lien	135,000				621				34				—				28				135,683
Commercial and industrial	100,805				18				—				216				88				101,127
Commercial real estate	795,074				1,701				204				652				13,739				811,370
Consumer	35,089				97				5				—				—				35,191
DDA overdrafts	2,813				281				7				2				—				3,103
Total	$	2,113,867			$	8,327			$	966			$	1,070			$	15,706			$	2,139,936
	Acquired Loans
	June 30, 2013
	Accruing
	Current				30-59 days				60-89 days				Over 90 days				Non-accrual				Total
Residential real estate	$	114,730			$	785			$	77			$	1,069			$	—			$	116,661
Home equity - junior lien	2,684				—				—				—				—				2,684
Commercial and industrial	33,864				771				64				2,473				—				37,172
Commercial real estate	199,663				1,187				195				10,896				—				211,941
Consumer	18,413				577				32				29				—				19,051
DDA overdrafts	—				—				—				—				—				—
Total	$	369,354			$	3,320			$	368			$	14,467			$	—			$	387,509
	Total Loans
	June 30, 2013
	Accruing
	Current				30-59 days				60-89 days				Over 90 days				Non-accrual				Total
Residential real estate	$	1,159,816			$	6,394			$	793			$	1,269			$	1,851			$	1,170,123
Home equity - junior lien	137,684				621				34				—				28				138,367
Commercial and industrial	134,669				789				64				2,689				88				138,299
Commercial real estate	994,737				2,888				399				11,548				13,739				1,023,311
Consumer	53,502				674				37				29				—				54,242
DDA overdrafts	2,813				281				7				2				—				3,103
Total	$	2,483,221			$	11,647			$	1,334			$	15,537			$	15,706			$	2,527,445
	Originated Loans
	December 31, 2012
	Accruing
	Current				30-59 days				60-89 days				Over 90 days				Non-accrual				Total
Residential real estate	$	1,008,190			$	4,910			$	599			$	239			$	2,054			$	1,015,992
Home equity - junior lien	132,847				2,379				477				37				1,112				136,852
Commercial and industrial	105,989				260				236				—				98				106,583
Commercial real estate	766,404				433				199				1				15,930				782,967

Consumer	34,084				113				8				—				—				34,205
DDA overdrafts	4,270				270				8				3				—				4,551
Total	$	2,051,784			$	8,365			$	1,527			$	280			$	19,194			$	2,081,150
	Acquired Loans
	December 31, 2012
	Accruing
	Current				30-59 days				60-89 days				Over 90 days				Non-accrual				Total
Residential real estate	$	15,443			$	—			$	—			$	—			$	—			$	15,443
Home equity - junior lien	6,258				—				—				—				—				6,258
Commercial and industrial	1,152				—				—				1,004				—				2,156
Commercial real estate	37,210				9				47				1,737				—				39,003
Consumer	2,359				—				—				—				—				2,359
DDA overdrafts	—				—				—				—				—				—
Total	$	62,422			$	9			$	47			$	2,741			$	—			$	65,219
	Total Loans
	December 31, 2012
	Accruing
	Current				30-59 days				60-89 days				Over 90 days				Non-accrual				Total
Residential real estate	$	1,023,633			$	4,910			$	599			$	239			$	2,054			$	1,031,435
Home equity - junior lien	139,105				2,379				477				37				1,112				143,110
Commercial and industrial	107,141				260				236				1,004				98				108,739
Commercial real estate	803,614				442				246				1,738				15,930				821,970
Consumer	36,443				113				8				—				—				36,564
DDA overdrafts	4,270				270				8				3				—				4,551
Total	$	2,114,206			$	8,374			$	1,574			$	3,021			$	19,194			$	2,146,369

Schedule Of Impaired Loans

The following presents the Company’s impaired loans, by class, as of June 30, 2013 and December 31, 2012 (in thousands). The difference between the unpaid principal balance and the recorded investment generally reflects amounts that have been previously charged-off.

	June 30, 2013												December 31, 2012
					Unpaid												Unpaid
	Recorded				Principal				Related				Recorded				Principal				Related
	Investment				Balance				Allowance				Investment				Balance				Allowance
With no related allowance recorded:
Residential real estate	$	464			$	464			$	—			$	469			$	469			$	—
Home equity - junior liens	297				297				—				298				298				—
Commercial and industrial	—				—				—				—				—				—
Commercial real estate	9,420				13,101				—				9,912				14,781				—
Consumer	—				—				—				—				—				—
DDA overdrafts	—				—				—				—				—				—
Total	$	10,181			$	13,862			$	—			$	10,679			$	15,548			$	—
With an allowance recorded
Residential real estate	$	—			$	—			$	—			$	—			$	—			$	—
Home equity - junior liens	—				—				—				—				—				—
Commercial and industrial	—				—				—				—				—				—
Commercial real estate	3,085				3,085				750				—				—				—
Consumer	—				—				—				—				—				—
DDA overdrafts	—				—				—				—				—				—
Total	$	3,085			$	3,085			$	750			$	—			$	—			$	—

Schedule Of Information Related To Average Recorded Investment And Interest Income Recognized On Impaired Loans

The following table presents information related to the average recorded investment and interest income recognized on the Company’s impaired loans, by class (in thousands):

	For the six months ended
	June 30, 2013								June 30, 2012
	Average				Interest				Average				Interest
	Recorded				Income				Recorded				Income
	Investment				Recognized				Investment				Recognized
With no related allowance recorded:
Residential real estate	$	464			$	—			$	—			$	—
Home equity - junior liens	297				—				—				—
Commercial and industrial	—				—				—				—
Commercial real estate	9,450				—				4,337				85
Consumer	—				—				—				—
DDA overdrafts	—				—				—				—
Total	$	10,211			$	—			$	4,337			$	85
With an allowance recorded
Residential real estate	$	—			$	—			$	936			$	22
Home equity - junior liens	—				—				1,657				20
Commercial and industrial	—				—				184				5
Commercial real estate	3,103				—				14,409				298
Consumer	—				—				—				—
DDA overdrafts	—				—				—				—
Total	$	3,103			$	—			$	17,186			$	345

Schedule Of Troubled Debt Restructurings

The following tables set forth the Company’s TDRs (in thousands):

	June 30, 2013												December 31, 2012
					Non-												Non-
	Accruing				Accruing				Total				Accruing				Accruing				Total
Commercial and industrial	$	95			$	—			$	95			$	101			$	—			$	101
Commercial real estate	1,791				—				1,791				734				—				734
Residential real estate	20,891				588				21,479				15,083				162				15,245
Home equity	2,949				14				2,963				7,068				418				7,486
Consumer	—				—				—				142				—				142
	$	25,726			$	602			$	26,328			$	23,128			$	580			$	23,708

	New TDRs											New TDRs
	For the six months ended											For the six months ended
	June 30, 2013											June 30, 2012
				Pre				Post							Pre				Post
				Modification				Modification							Modification				Modification
				Outstanding				Outstanding							Outstanding				Outstanding
	Number of			Recorded				Recorded				Number of			Recorded				Recorded
	Contracts			Investment				Investment				Contracts			Investment				Investment
Commercial and industrial	1			$	95			$	95			—			$	—			$	—
Commercial real estate	3			1,571				1,571				—			—				—
Residential real estate	26			2,845				2,845				—			—				—
Home equity	8			185				185				—			—				—
Consumer	—			—				—				1			146				146
	38			$	4,696			$	4,696			1			$	146			$	146

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