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Loans (Tables)

12 Months Ended

Dec. 31, 2014

Receivables [Abstract]

Schedule of Net Loans

Total net loans at December 31, 2014 and 2013 are summarized as follows:

		2014				2013
Commercial, industrial, and agricultural		$	428,458			$	427,715
Commercial mortgages			352,752				343,465
Residential real estate			502,317				459,114
Consumer			69,648				63,491
Credit cards			5,233				5,065
Overdrafts			1,188				409
Less: unearned discount			(4,307	)			(3,896	)
allowance for loan losses			(17,373	)			(16,234	)
Loans, net		$	1,337,916			$	1,279,129

Allowance for Loan Losses

Transactions in the allowance for loan losses for the year ended December 31, 2014 were as follows:

		Commercial, Industrial, and Agricultural				Commercial Mortgages				Residential Real Estate				Consumer				Credit Cards				Overdrafts				Total
Allowance for loan losses, January 1, 2014		$	8,212			$	3,536			$	2,450			$	1,763			$	66			$	207			$	16,234
Charge-offs			(618	)			(50	)			(436	)			(1,744	)			(78	)			(256	)			(3,182	)
Recoveries			1				210				41				93				25				111				481
Provision for loan losses			(481	)			1,614				424				2,093				58				132				3,840
Allowance for loan losses, December 31, 2014		$	7,114			$	5,310			$	2,479			$	2,205			$	71			$	194			$	17,373

Transactions in the allowance for loan losses for the year ended December 31, 2013 were as follows:

		Commercial, Industrial, and Agricultural				Commercial Mortgages				Residential Real Estate				Consumer				Credit Cards				Overdrafts				Total
Allowance for loan losses, January 1, 2013		$	4,940			$	4,697			$	2,466			$	1,699			$	83			$	175			$	14,060
Charge-offs			(958	)			(1,931	)			(467	)			(1,919	)			(97	)			(258	)			(5,630	)
Recoveries			7				1,430				5				114				16				94				1,666
Provision for loan losses			4,223				(660	)			446				1,869				64				196				6,138
Allowance for loan losses, December 31, 2013		$	8,212			$	3,536			$	2,450			$	1,763			$	66			$	207			$	16,234

Transactions in the allowance for loan losses for the year ended December 31, 2012 were as follows:

		Commercial, Industrial, and Agricultural				Commercial Mortgages				Residential Real Estate				Consumer				Credit Cards				Overdrafts				Total
Allowance for loan losses, January 1, 2012		$	4,511			$	4,470			$	1,991			$	1,404			$	71			$	168			$	12,615
Charge-offs			(2,871	)			(401	)			(304	)			(1,279	)			(78	)			(257	)			(5,190	)
Recoveries			45				0				1				91				18				99				254
Provision for loan losses			3,255				628				778				1,483				72				165				6,381
Allowance for loan losses, December 31, 2012		$	4,940			$	4,697			$	2,466			$	1,699			$	83			$	175			$	14,060

Allowance for Loan Losses and Recorded Investment in Loans by Portfolio Segment

The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and is based on the Corporation’s impairment method as of December 31, 2014 and 2013. The recorded investment in loans excludes accrued interest and unearned discounts due to their insignificance.

December 31, 2014		Commercial, Industrial, and Agricultural				Commercial Mortgages				Residential Real Estate				Consumer				Credit Cards				Overdrafts				Total
Allowance for loan losses:
Ending allowance balance attributable to loans:
Individually evaluated for impairment		$	254			$	294			$	197			$	0			$	0			$	0			$	745
Collectively evaluated for impairment			6,703				2,503				2,282				2,205				71				194				13,958
Acquired with deteriorated credit quality			0				0				0				0				0				0				0
Modified in a troubled debt restructuring			157				2,513				0				0				0				0				2,670
Total ending allowance balance		$	7,114			$	5,310			$	2,479			$	2,205			$	71			$	194			$	17,373
Loans:
Individually evaluated for impairment		$	3,394			$	494			$	657			$	0			$	0			$	0			$	4,545
Collectively evaluated for impairment			421,144				336,801				501,660				69,648				5,233				1,188				1,335,674
Acquired with deteriorated credit quality			0				719				0				0				0				0				719
Modified in a troubled debt restructuring			3,920				14,738				0				0				0				0				18,658
Total ending loans balance		$	428,458			$	352,752			$	502,317			$	69,648			$	5,233			$	1,188			$	1,359,596

December 31, 2013		Commercial, Industrial, and Agricultural				Commercial Mortgages				Residential Real Estate				Consumer				Credit Cards				Overdrafts				Total
Allowance for loan losses:
Ending allowance balance attributable to loans:
Individually evaluated for impairment		$	372			$	55			$	0			$	0			$	0			$	0			$	427
Collectively evaluated for impairment			7,725				2,141				2,450				1,763				66				207				14,352
Acquired with deteriorated credit quality			0				0				0				0				0				0				0
Modified in a troubled debt restructuring			115				1,340				0				0				0				0				1,455
Total ending allowance balance		$	8,212			$	3,536			$	2,450			$	1,763			$	66			$	207			$	16,234
Loans:
Individually evaluated for impairment		$	4,923			$	1,249			$	0			$	0			$	0			$	0			$	6,172
Collectively evaluated for impairment			421,002				329,645				459,114				63,491				5,065				409				1,278,726
Acquired with deteriorated credit quality			0				2,225				0				0				0				0				2,225
Modified in a troubled debt restructuring			1,790				10,346				0				0				0				0				12,136
Total ending loans balance		$	427,715			$	343,465			$	459,114			$	63,491			$	5,065			$	409			$	1,299,259

Loans Individually Evaluated for Impairment Including Loans Modified in Troubled Debt Restructurings by Portfolio Segment

The following tables present information related to loans individually evaluated for impairment, including loans modified in troubled debt restructurings, by portfolio segment as of December 31, 2014 and 2013 and for the years ended December 31, 2014, 2013, and 2012:

December 31, 2014		Unpaid Principal Balance				Recorded Investment				Allowance for Loan Losses Allocated
With an allowance recorded:
Commercial, industrial, and agricultural		$	5,737			$	5,737			$	411
Commercial mortgage			10,651				10,212				2,807
Residential real estate			400				400				197
With no related allowance recorded:
Commercial, industrial, and agricultural			2,530				1,577				0
Commercial mortgage			5,020				5,020				0
Residential real estate			319				257				0
Total		$	24,657			$	23,203			$	3,415

December 31, 2013		Unpaid Principal Balance				Recorded Investment				Allowance for Loan Losses Allocated
With an allowance recorded:
Commercial, industrial, and agricultural		$	5,929			$	4,679			$	487
Commercial mortgage			5,646				5,443				1,395
Residential real estate			0				0				0
With no related allowance recorded:
Commercial, industrial, and agricultural			2,055				2,034				0
Commercial mortgage			6,178				6,152				0
Residential real estate			0				0				0
Total		$	19,808			$	18,308			$	1,882

Impaired Financing Receivables with Related and not Related Allowances

The unpaid principal balance of impaired loans includes the Corporation’s recorded investment in the loan and amounts that have been charged off.

		Year Ended December 31, 2014
		Average Recorded Investment				Interest Income Recognized				Cash Basis Interest Recognized
With an allowance recorded:
Commercial, industrial, and agricultural					$				4,621						$	73			$	73
Commercial mortgage			6,374				85				85
Residential real estate			240				46				46
With no related allowance recorded:
Commercial, industrial, and agricultural			1,972				31				31
Commercial mortgage			5,868				78				78
Residential real estate			82				16				16
Total		$	19,157			$	329			$	329

		Year Ended December 31, 2013
		Average Recorded Investment				Interest Income Recognized				Cash Basis Interest Recognized
With an allowance recorded:
Commercial, industrial, and agricultural					$				1,989						$	7			$	7
Commercial mortgage			6,572				3				3
Residential real estate			101				7				7
With no related allowance recorded:
Commercial, industrial, and agricultural			2,124				0				0
Commercial mortgage			11,885				0				0
Residential real estate			86				0				0
Total		$	22,757			$	17			$	17

		Year Ended December 31, 2012
		Average Recorded Investment				Interest Income Recognized				Cash Basis Interest Recognized
With an allowance recorded:
Commercial, industrial, and agricultural					$				3,083						$	4			$	4
Commercial mortgage			5,504				3				3
Residential real estate			334				13				13
With no related allowance recorded:
Commercial, industrial, and agricultural			3,217				0				0
Commercial mortgage			12,723				0				0
Residential real estate			103				0				0
Total		$	24,964			$	20			$	20

Nonaccrual Loans and Loans Past Due over 90 Days Still Accruing Interest by Class of Loans

The following table presents the recorded investment in nonaccrual loans and loans past due over 90 days still on accrual by class of loans as of December 31, 2014 and 2013:

		December 31, 2014								December 31, 2013
		Nonaccrual				Past Due Over 90 Days Still on Accrual				Nonaccrual				Past Due Over 90 Days Still on Accrual
Commercial, industrial, and agricultural		$	796			$	0			$	1,006			$	0
Commercial mortgages			4,323				0				7,236				0
Residential real estate			3,026				213				2,389				150
Consumer			1,045				0				942				170
Credit cards			0				0				0				24
Total		$	9,190			$	213			$	11,573			$	344

Aging of Recorded Investment in Past Due Loans

The following table presents the aging of the recorded investment in past due loans as of December 31, 2014 and 2013 by class of loans.

December 31, 2014		30-59 Days Past Due				60-89 Days Past Due				Greater Than 90 Days Past Due				Total Past Due				Loans Not Past Due				Total
Commercial, industrial, and agricultural		$	888			$	588			$	294			$	1,770			$	426,688			$	428,458
Commercial mortgages			20				1,351				4,323				5,694				347,058				352,752
Residential real estate			2,719				1,191				3,239				7,149				495,168				502,317
Consumer			265				122				1,045				1,432				68,216				69,648
Credit cards			0				83				0				83				5,150				5,233
Overdrafts			0				0				0				0				1,188				1,188
Total		$	5,083			$	2,144			$	8,901			$	16,128			$	1,343,468			$	1,359,596

December 31, 2013		30-59 Days Past Due				60-89 Days Past Due				Greater Than 90 Days Past Due				Total Past Due				Loans Not Past Due				Total
Commercial, industrial, and agricultural		$	1,236			$	542			$	3,952			$	5,730			$	421,985			$	427,715
Commercial mortgages			233				713				4,139				5,085				338,380				343,465
Residential real estate			4,216				114				2,539				6,869				452,245				459,114
Consumer			334				1,049				1,112				2,495				60,996				63,491
Credit cards			0				29				24				53				5,012				5,065
Overdrafts			0				0				0				0				409				409
Total		$	6,019			$	2,447			$	11,766			$	20,232			$	1,279,027			$	1,299,259

Restructured in Troubled Debt

The following table presents the number of loans, loan balances, and specific reserves for loans that have been restructured in a troubled debt restructuring as of December 31, 2014 and December 31, 2013.

		December 31, 2014												December 31, 2013
		Number of Loans				Loan Balance				Specific Reserve				Number of Loans				Loan Balance				Specific Reserve
Commercial, industrial, and agricultural			6			$	3,920			$	157				5			$	1,790			$	115
Commercial mortgages			10				14,738				2,513				7				10,346				1,340
Residential real estate			0				0				0				0				0				0
Consumer			0				0				0				0				0				0
Credit cards			0				0				0				0				0				0
Total			16			$	18,658			$	2,670				12			$	12,136			$	1,455

Loans by Class Modified as Troubled Debt Restructurings

The following table presents loans by class modified as troubled debt restructurings that occurred during the years ended December 31, 2014, 2013 and 2012:

		Year Ended December 31, 2014
		Number of Loans				Pre-Modification Outstanding Recorded Investment				Post-Modification Outstanding  Recorded Investment
Commercial, industrial, and agricultural			1			$	2,315			$	2,315
Commercial mortgages			3				4,879				4,879
Residential real estate			0				0				0
Consumer			0				0				0
Credit cards			0				0				0
Total			4			$	7,194			$	7,194

		Year Ended December 31, 2013
		Number of Loans				Pre-Modification Outstanding Recorded Investment				Post-Modification Outstanding  Recorded Investment
Commercial, industrial, and agricultural			1			$	132			$	132
Commercial mortgages			2				3,615				3,549
Residential real estate			0				0				0
Consumer			0				0				0
Credit cards			0				0				0
Total			3			$	3,747			$	3,681

		Year Ended December 31, 2012
		Number of Loans				Pre-Modification Outstanding Recorded Investment				Post-Modification Outstanding  Recorded Investment
Commercial, industrial, and agricultural			2			$	1,455			$	1,455
Commercial mortgages			5				2,717				2,717
Residential real estate			0				0				0
Consumer			0				0				0
Credit cards			0				0				0
Total			7			$	4,172			$	4,172

Schedule of Loan Assigned Risk Rating within 12 Months of Balance Sheet Date

December 31, 2014		Pass				Special Mention				Substandard				Doubtful				Total
Commercial, industrial, and agricultural		$	402,923			$	6,703			$	18,525			$	307			$	428,458
Commercial mortgages			328,614				0				23,699				439				352,752
Total		$	731,537			$	6,703			$	42,224			$	746			$	781,210

December 31, 2013		Pass				Special Mention				Substandard				Doubtful				Total
Commercial, industrial, and agricultural		$	388,868			$	8,510			$	29,956			$	381			$	427,715
Commercial mortgages			295,060				13,622				34,298				485				343,465
Total		$	683,928			$	22,132			$	64,254			$	866			$	771,180

Recorded Investment in Residential, Consumer and Credit Card Loans Based on Payment Activity

The following table presents the recorded investment in residential, consumer, and credit card loans based on payment activity as of December 31, 2014 and December 31, 2013:

		December 31, 2014												December 31, 2013
		Residential Real Estate				Consumer				Credit Cards				Residential Real Estate				Consumer				Credit Cards
Performing		$	499,078			$	68,603			$	5,233			$	456,575			$	62,379			$	5,041
Non-performing			3,239				1,045				0				2,539				1,112				24
Total		$	502,317			$	69,648			$	5,233			$	459,114			$	63,491			$	5,065

Summary of Holiday's Loan Portfolio Included in Consumer and Residential Loans

Holiday’s loan portfolio, included in consumer and residential loans above, is summarized as follows at December 31, 2014 and 2013:

		2014				2013
Consumer		$	27,916			$	24,891
Residential real estate			1,270				1,552
Less: unearned discount			(4,307	)			(3,896	)
Total		$	24,879			$	22,547

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