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Reserve for Loan and Lease Losses (Tables)
6 Months Ended
Jun. 30, 2016
Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]  
Schedule of changes in reserve for loan and lease losses, segregated by class
The following table shows the changes in the reserve for loan and lease losses, segregated by class, for the three months ended June 30, 2016 and 2015.
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
(Dollars in thousands)
 
Commercial and
agricultural
 
Auto and
light truck
 
Medium and
heavy duty truck
 
Aircraft
 
Construction
equipment
 
Commercial
real estate
 
Residential
real estate
and home
equity
 
Consumer
 
Total
June 30, 2016
 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

Balance, beginning of period
 
$
14,735

 
$
9,582

 
$
4,511

 
$
34,240

 
$
7,462

 
$
13,835

 
$
3,379

 
$
1,552

 
$
89,296

Charge-offs
 
16

 

 

 

 

 

 
58

 
257

 
331

Recoveries
 
109

 
64

 
2

 
89

 
70

 
34

 
4

 
72

 
444

Net charge-offs (recoveries)
 
(93
)
 
(64
)
 
(2
)
 
(89
)
 
(70
)
 
(34
)
 
54

 
185

 
(113
)
Provision (recovery of provision)
 
7

 
2,021

 
(163
)
 
332

 
(20
)
 
(407
)
 
52

 
227

 
2,049

Balance, end of period
 
$
14,835

 
$
11,667

 
$
4,350

 
$
34,661

 
$
7,512

 
$
13,462

 
$
3,377

 
$
1,594

 
$
91,458

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
June 30, 2015
 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

Balance, beginning of period
 
$
11,620

 
$
10,793

 
$
4,364

 
$
31,301

 
$
7,740

 
$
13,186

 
$
4,115

 
$
1,979

 
$
85,098

Charge-offs
 
22

 

 

 

 

 

 
25

 
173

 
220

Recoveries
 
86

 
191

 
2

 
398

 
123

 
38

 
5

 
56

 
899

Net charge-offs (recoveries)
 
(64
)
 
(191
)
 
(2
)
 
(398
)
 
(123
)
 
(38
)
 
20

 
117

 
(679
)
Provision (recovery of provision)
 
181

 
461

 
(33
)
 
1,141

 
(56
)
 
2

 
(651
)
 
(234
)
 
811

Balance, end of period
 
$
11,865

 
$
11,445

 
$
4,333

 
$
32,840

 
$
7,807

 
$
13,226

 
$
3,444

 
$
1,628

 
$
86,588

The following table shows the changes in the reserve for loan and lease losses, segregated by class, for the six months ended June 30, 2016 and 2015.
(Dollars in thousands)
 
Commercial and
agricultural loans
 
Auto and
light truck
 
Medium and
heavy duty truck
 
Aircraft
 
Construction
equipment
 
Commercial
real estate
 
Residential
real estate
and home
equity
 
Consumer
loans
 
Total
June 30, 2016
 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

Balance, beginning of period
 
$
15,456

 
$
9,269

 
$
4,699

 
$
32,373

 
$
7,592

 
$
13,762

 
$
3,382

 
$
1,579

 
$
88,112

Charge-offs
 
216

 
3

 

 

 
92

 
1

 
81

 
502

 
895

Recoveries
 
200

 
126

 
10

 
227

 
148

 
339

 
6

 
161

 
1,217

Net charge-offs (recoveries)
 
16

 
(123
)
 
(10
)
 
(227
)
 
(56
)
 
(338
)
 
75

 
341

 
(322
)
Provision (recovery of provision)
 
(605
)
 
2,275

 
(359
)
 
2,061

 
(136
)
 
(638
)
 
70

 
356

 
3,024

Balance, end of period
 
$
14,835

 
$
11,667

 
$
4,350

 
$
34,661

 
$
7,512

 
$
13,462

 
$
3,377

 
$
1,594

 
$
91,458

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
June 30, 2015
 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

Balance, beginning of period
 
$
11,760

 
$
10,326

 
$
4,500

 
$
32,234

 
$
7,008

 
$
13,270

 
$
4,102

 
$
1,868

 
$
85,068

Charge-offs
 
965

 
22

 

 
49

 

 

 
65

 
320

 
1,421

Recoveries
 
564

 
251

 
5

 
442

 
245

 
135

 
7

 
124

 
1,773

Net charge-offs (recoveries)
 
401

 
(229
)
 
(5
)
 
(393
)
 
(245
)
 
(135
)
 
58

 
196

 
(352
)
Provision (recovery of provision)
 
506

 
890

 
(172
)
 
213

 
554

 
(179
)
 
(600
)
 
(44
)
 
1,168

Balance, end of period
 
$
11,865

 
$
11,445

 
$
4,333

 
$
32,840

 
$
7,807

 
$
13,226

 
$
3,444

 
$
1,628

 
$
86,588


The following table shows the reserve for loan and lease losses and recorded investment in loans and leases, segregated by class, separated between individually and collectively evaluated for impairment as of June 30, 2016 and December 31, 2015.
(Dollars in thousands)
 
Commercial and
agricultural loans
 
Auto and
light truck
 
Medium and
heavy duty truck
 
Aircraft
 
Construction
equipment
 
Commercial
real estate
 
Residential
real estate
and home
equity
 
Consumer
loans
 
Total
June 30, 2016
 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

Reserve for loan and lease losses
 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

Ending balance, individually evaluated for impairment
 
$
463

 
$

 
$

 
$
1,296

 
$

 
$

 
$
145

 
$

 
$
1,904

Ending balance, collectively evaluated for impairment
 
14,372

 
11,667

 
4,350

 
33,365

 
7,512

 
13,462

 
3,232

 
1,594

 
89,554

Total reserve for loan and lease losses
 
$
14,835

 
$
11,667

 
$
4,350

 
$
34,661

 
$
7,512

 
$
13,462

 
$
3,377

 
$
1,594

 
$
91,458

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Recorded investment in loans
 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

Ending balance, individually evaluated for impairment
 
$
3,184

 
$

 
$

 
$
4,280

 
$
577

 
$
1,541

 
$
363

 
$

 
$
9,945

Ending balance, collectively evaluated for impairment
 
755,991

 
457,586

 
273,674

 
818,562

 
483,777

 
714,391

 
482,616

 
156,221

 
4,142,818

Total recorded investment in loans
 
$
759,175

 
$
457,586

 
$
273,674

 
$
822,842

 
$
484,354

 
$
715,932

 
$
482,979

 
$
156,221

 
$
4,152,763

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
December 31, 2015
 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

Reserve for loan and lease losses
 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

Ending balance, individually evaluated for impairment
 
$
649

 
$

 
$

 
$

 
$

 
$

 
$
148

 
$

 
$
797

Ending balance, collectively evaluated for impairment
 
14,807

 
9,269

 
4,699

 
32,373

 
7,592

 
13,762

 
3,234

 
1,579

 
87,315

Total reserve for loan and lease losses
 
$
15,456

 
$
9,269

 
$
4,699

 
$
32,373

 
$
7,592

 
$
13,762

 
$
3,382

 
$
1,579

 
$
88,112

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Recorded investment in loans
 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

Ending balance, individually evaluated for impairment
 
$
3,900

 
$

 
$

 
$
4,384

 
$
539

 
$
8,494

 
$
366

 
$

 
$
17,683

Ending balance, collectively evaluated for impairment
 
740,849

 
425,236

 
278,254

 
773,628

 
455,026

 
691,774

 
463,763

 
148,479

 
3,977,009

Total recorded investment in loans
 
$
744,749

 
$
425,236

 
$
278,254

 
$
778,012

 
$
455,565

 
$
700,268

 
$
464,129

 
$
148,479

 
$
3,994,692