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Allowance for Loan and Lease Losses
 6 Months Ended
Jun. 30, 2014
Allowance for Loan and Lease Losses [Abstract]  
Allowance for Loan and Lease Losses
Note 5 – Allowance for Loan and Lease Losses

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 for the three and six months ended June 30, 2014 and 2013 and the twelve months ended December 31, 2013:

 
 
Three Months Ended
June 30, 2014
 
(in thousands)
 
Commercial Construction
  
Commercial Secured by Real Estate
  
Equipment Lease Financing
  
Commercial Other
  
Real Estate Construction
  
Real Estate Mortgage
  
Home
Equity
  
Consumer Direct
  
Consumer Indirect
  
Total
 
Allowance for loan losses
 
  
  
  
  
  
  
  
  
  
 
Beginning balance
 
$
3,107
  
$
14,183
  
$
107
  
$
4,754
  
$
442
  
$
5,143
  
$
626
  
$
1,573
  
$
3,680
  
$
33,615
 
Provision charged to expense
  
(194
)
  
340
   
(5
)
  
113
   
123
   
48
   
17
   
62
   
231
   
735
 
Losses charged off
  
0
   
296
   
0
   
272
   
116
   
57
   
1
   
229
   
658
   
1,629
 
Recoveries
  
3
   
175
   
0
   
82
   
1
   
8
   
1
   
191
   
435
   
896
 
Ending balance
 
$
2,916
  
$
14,402
  
$
102
  
$
4,677
  
$
450
  
$
5,142
  
$
643
  
$
1,597
  
$
3,688
  
$
33,617
 
 
                                        
Ending balance:
                                        
Individually evaluated for impairment
 
$
734
  
$
1,077
  
$
0
  
$
84
  
$
0
  
$
0
  
$
0
  
$
0
  
$
0
  
$
1,895
 
Collectively evaluated for impairment
 
$
2,182
  
$
13,325
  
$
102
  
$
4,593
  
$
450
  
$
5,142
  
$
643
  
$
1,597
  
$
3,688
  
$
31,722
 
 
                                        
Loans
                                        
Ending balance:
                                        
Individually evaluated for impairment
 
$
9,555
  
$
37,472
  
$
0
  
$
17,286
  
$
0
  
$
1,865
  
$
0
  
$
0
  
$
0
  
$
66,178
 
Collectively evaluated for impairment
 
$
103,865
  
$
868,524
  
$
7,928
  
$
337,658
  
$
61,184
  
$
696,538
  
$
87,279
  
$
119,610
  
$
283,845
  
$
2,566,431
 
 
 
 
Six Months Ended
June 30, 2014
 
(in thousands)
 
Commercial Construction
  
Commercial Secured by Real Estate
  
Equipment Lease Financing
  
Commercial Other
  
Real Estate Construction
  
Real Estate Mortgage
  
Home
Equity
  
Consumer Direct
  
Consumer Indirect
  
Total
 
Allowance for loan losses
 
  
  
  
  
  
  
  
  
  
 
Beginning balance
 
$
3,396
  
$
14,535
  
$
121
  
$
5,238
  
$
397
  
$
4,939
  
$
601
  
$
1,127
  
$
3,654
  
$
34,008
 
Provision charged to expense
  
(490
)
  
234
   
(19
)
  
100
   
167
   
404
   
68
   
815
   
801
   
2,080
 
Losses charged off
  
0
   
618
   
0
   
905
   
116
   
221
   
28
   
682
   
1,604
   
4,174
 
Recoveries
  
10
   
251
   
0
   
244
   
2
   
20
   
2
   
337
   
837
   
1,703
 
Ending balance
 
$
2,916
  
$
14,402
  
$
102
  
$
4,677
  
$
450
  
$
5,142
  
$
643
  
$
1,597
  
$
3,688
  
$
33,617
 
 
                                        
Ending balance:
                                        
Individually evaluated for impairment
 
$
734
  
$
1,077
  
$
0
  
$
84
  
$
0
  
$
0
  
$
0
  
$
0
  
$
0
  
$
1,895
 
Collectively evaluated for impairment
 
$
2,182
  
$
13,325
  
$
102
  
$
4,593
  
$
450
  
$
5,142
  
$
643
  
$
1,597
  
$
3,688
  
$
31,722
 
 
                                        
Loans
                                        
Ending balance:
                                        
Individually evaluated for impairment
 
$
9,555
  
$
37,472
  
$
0
  
$
17,286
  
$
0
  
$
1,865
  
$
0
  
$
0
  
$
0
  
$
66,178
 
Collectively evaluated for impairment
 
$
103,865
  
$
868,524
  
$
7,928
  
$
337,658
  
$
61,184
  
$
696,538
  
$
87,279
  
$
119,610
  
$
283,845
  
$
2,566,431
 
 
 
 
Twelve Months Ended
December 31, 2013
 
(in thousands)
 
Commercial Construction
  
Commercial Secured by Real Estate
  
Equipment Lease Financing
  
Commercial Other
  
Real Estate Construction
  
Real Estate Mortgage
  
Home
Equity
  
Consumer Direct
  
Consumer Indirect
  
Total
 
Allowance for loan losses
 
  
  
  
  
  
  
  
  
  
 
Beginning balance
 
$
4,033
  
$
13,541
  
$
126
  
$
5,469
  
$
376
  
$
4,767
  
$
563
  
$
1,102
  
$
3,268
  
$
33,245
 
Provision charged to expense
  
189
   
2,438
   
(5
)
  
1,477
   
106
   
860
   
268
   
696
   
2,539
   
8,568
 
Losses charged off
  
1,135
   
1,607
   
0
   
2,265
   
89
   
744
   
241
   
1,166
   
3,802
   
11,049
 
Recoveries
  
309
   
163
   
0
   
557
   
4
   
56
   
11
   
495
   
1,649
   
3,244
 
Ending balance
 
$
3,396
  
$
14,535
  
$
121
  
$
5,238
  
$
397
  
$
4,939
  
$
601
  
$
1,127
  
$
3,654
  
$
34,008
 
 
                                        
Ending balance:
                                        
Individually evaluated for impairment
 
$
1,189
  
$
1,005
  
$
0
  
$
102
  
$
0
  
$
0
  
$
0
  
$
0
  
$
0
  
$
2,296
 
Collectively evaluated for impairment
 
$
2,207
  
$
13,530
  
$
121
  
$
5,136
  
$
397
  
$
4,939
  
$
601
  
$
1,127
  
$
3,654
  
$
31,712
 
 
                                        
Loans
                                        
Ending balance:
                                        
Individually evaluated for impairment
 
$
9,810
  
$
39,297
  
$
0
  
$
15,169
  
$
0
  
$
1,024
  
$
0
  
$
0
  
$
0
  
$
65,300
 
Collectively evaluated for impairment
 
$
100,969
  
$
833,245
  
$
8,840
  
$
359,712
  
$
56,075
  
$
696,577
  
$
84,880
  
$
122,215
  
$
287,541
  
$
2,550,054
 
 
 
 
Three Months Ended
June 30, 2013
 
(in thousands)
 
Commercial Construction
  
Commercial Secured by Real Estate
  
Equipment Lease Financing
  
Commercial Other
  
Real Estate Construction
  
Real Estate Mortgage
  
Home
Equity
  
Consumer Direct
  
Consumer Indirect
  
Total
 
Allowance for loan losses
 
  
  
  
  
  
  
  
  
  
 
Beginning balance
 
$
3,827
  
$
13,682
  
$
128
  
$
5,151
  
$
372
  
$
4,980
  
$
571
  
$
1,098
  
$
3,584
  
$
33,393
 
Provision charged to expense
  
1,119
   
1,132
   
(11
)
  
541
   
34
   
112
   
127
   
174
   
433
   
3,661
 
Losses charged off
  
1,112
   
653
   
0
   
972
   
38
   
151
   
126
   
277
   
786
   
4,115
 
Recoveries
  
1
   
1
   
0
   
73
   
0
   
9
   
4
   
139
   
435
   
662
 
Ending balance
 
$
3,835
  
$
14,162
  
$
117
  
$
4,793
  
$
368
  
$
4,950
  
$
576
  
$
1,134
  
$
3,666
  
$
33,601
 
 
                                        
Ending balance:
                                        
Individually evaluated for impairment
 
$
1,890
  
$
1,866
  
$
0
  
$
83
  
$
0
  
$
0
  
$
0
  
$
0
  
$
0
  
$
3,839
 
Collectively evaluated for impairment
 
$
1,945
  
$
12,296
  
$
117
  
$
4,710
  
$
368
  
$
4,950
  
$
576
  
$
1,134
  
$
3,666
  
$
29,762
 
 
                                        
Loans
                                        
Ending balance:
                                        
Individually evaluated for impairment
 
$
10,576
  
$
35,426
  
$
0
  
$
16,389
  
$
0
  
$
1,027
  
$
0
  
$
0
  
$
0
  
$
63,418
 
Collectively evaluated for impairment
 
$
93,224
  
$
823,596
  
$
9,383
  
$
360,517
  
$
51,462
  
$
691,907
  
$
80,631
  
$
123,565
  
$
287,098
  
$
2,521,383
 
 
 
 
Six Months Ended
June 30, 2013
 
(in thousands)
 
Commercial Construction
  
Commercial Secured by Real Estate
  
Equipment Lease Financing
  
Commercial Other
  
Real Estate Construction
  
Real Estate Mortgage
  
Home
Equity
  
Consumer Direct
  
Consumer Indirect
  
Total
 
Allowance for loan losses
 
  
  
  
  
  
  
  
  
  
 
Beginning balance
 
$
4,033
  
$
13,541
  
$
126
  
$
5,469
  
$
376
  
$
4,767
  
$
563
  
$
1,102
  
$
3,268
  
$
33,245
 
Provision charged to expense
  
907
   
1,616
   
(9
)
  
386
   
30
   
446
   
177
   
339
   
1,328
   
5,220
 
Losses charged off
  
1,112
   
1,018
   
0
   
1,304
   
38
   
282
   
173
   
591
   
1,785
   
6,303
 
Recoveries
  
7
   
23
   
0
   
242
   
0
   
19
   
9
   
284
   
855
   
1,439
 
Ending balance
 
$
3,835
  
$
14,162
  
$
117
  
$
4,793
  
$
368
  
$
4,950
  
$
576
  
$
1,134
  
$
3,666
  
$
33,601
 
 
                                        
Ending balance:
                                        
Individually evaluated for impairment
 
$
1,890
  
$
1,866
  
$
0
  
$
83
  
$
0
  
$
0
  
$
0
  
$
0
  
$
0
  
$
3,839
 
Collectively evaluated for impairment
 
$
1,945
  
$
12,296
  
$
117
  
$
4,710
  
$
368
  
$
4,950
  
$
576
  
$
1,134
  
$
3,666
  
$
29,762
 
 
                                        
Loans
                                        
Ending balance:
                                        
Individually evaluated for impairment
 
$
10,576
  
$
35,426
  
$
0
  
$
16,389
  
$
0
  
$
1,027
  
$
0
  
$
0
  
$
0
  
$
63,418
 
Collectively evaluated for impairment
 
$
93,224
  
$
823,596
  
$
9,383
  
$
360,517
  
$
51,462
  
$
691,907
  
$
80,631
  
$
123,565
  
$
287,098
  
$
2,521,383