Allowance for Loan and Lease Losses

12 Months Ended

Dec. 31, 2011

Allowance for Loan and Lease Losses [Abstract]

8. Allowance for Loan and Lease Losses

Activity in the allowance for loan and lease losses (ALLL) was as follows:

(in thousands)	2011			2010			2009
ALLL balance, beginning of year	$	34,805		$	32,643		$	30,821
Provision charged to operations		13,262			16,484			17,468
Recoveries		2,638			3,314			3,213
Charge-offs		(17,534	)		(17,636	)		(18,859	)
ALLL balance, end of year	$	33,171		$	34,805		$	32,643

The following tables present the balance in the allowance for loan losses and the recorded investment in loans based on portfolio segment and impairment method as of December 31, 2011 and 2010:

2011
(in thousands)	Commercial Construction		Commercial Secured by Real Estate		Commercial Other		Equipment Lease Financing			Real Estate Construction		Real Estate Mortgage		Home Equity		Consumer Direct		Consumer Indirect		Total
Allowance for loan losses
Balance, beginning of year	$	4,332	$	12,327	$	7,392	$	148		$	271	$	2,982	$	407	$	1,169	$	5,777	$	34,805
Provision charged to expense		2,171		3,304		1,867		(36	)		376		2,827		310		257		2,186		13,262
Losses charged off		2,510		4,018		4,092		0			319		1,589		171		961		3,874		17,534
Recoveries		30		140		441		0			26		82		16		452		1,451		2,638
Balance, end of year	$	4,023	$	11,753	$	5,608	$	112		$	354	$	4,302	$	562	$	917	$	5,540	$	33,171

Ending balance:
Individually evaluated for impairment	$	2,203	$	1,156	$	1,310	$	0		$	0	$	0	$	0	$	0	$	0	$	4,669
Collectively evaluated for impairment	$	1,820	$	10,597	$	4,298	$	112		$	354	$	4,302	$	562	$	917	$	5,540	$	28,502

Loans
Ending balance:
Individually evaluated for impairment	$	10,572	$	31,336	$	5,202	$	0		$	27	$	82	$	0	$	93	$	112	$	47,424
Collectively evaluated for impairment	$	110,005	$	767,551	$	369,395	$	9,706		$	53,507	$	649,993	$	84,841	$	123,856	$	340,270	$	2,509,124

2010
(in thousands)	Commercial Construction		Commercial Secured by Real Estate		Commercial Other		Equipment Lease Financing			Real Estate Construction			Real Estate Mortgage		Home Equity		Consumer Direct		Consumer Indirect		Total
Allowance for loan losses
Beginning balance	$	3,381	$	10,961	$	7,472	$	221		$	291		$	3,041	$	455	$	1,258	$	5,563	$	32,643
Provision charged to expense		2,640		5,029		4,416		(73	)		(17	)		526		287		532		3,144		16,484
Losses charged off		1,695		3,826		5,184		0			22			684		358		1,256		4,611		17,636
Recoveries		6		163		688		0			19			99		23		635		1,681		3,314
Ending balance	$	4,332	$	12,327	$	7,392	$	148		$	271		$	2,982	$	407	$	1,169	$	5,777	$	34,805

Ending balance:
Individually evaluated for impairment	$	2,554	$	2,575	$	3,093	$	0		$	0		$	0	$	0	$	0	$	0	$	8,222
Collectively evaluated for impairment	$	1,778	$	9,752	$	4,299	$	148		$	271		$	2,982	$	407	$	1,169	$	5,777	$	26,583

Loans
Ending balance:
Individually evaluated for impairment	$	15,841	$	32,691	$	13,037	$	0		$	790		$	950	$	0	$	0	$	0	$	63,309
Collectively evaluated for impairment	$	119,250	$	774,358	$	375,709	$	14,151		$	56,120		$	622,901	$	85,103	$	126,046	$	368,233	$	2,541,871