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Loans (Tables)

12 Months Ended

Dec. 31, 2016

Receivables [Abstract]

Schedule of Net Loans

Total net loans at December 31, 2016 and 2015 are summarized as follows:

		2016				2015
Commercial, industrial, and agricultural		$	567,800			$	475,364
Commercial mortgages			574,826				448,179
Residential real estate			652,883				574,225
Consumer			74,816				78,345
Credit cards			6,046				5,201
Overdrafts			595				1,040
Less: unearned discount			(3,430	)			(4,556	)
allowance for loan losses			(16,330	)			(16,737	)
Loans, net		$	1,857,206			$	1,561,061

Allowance for Loan Losses

Transactions in the allowance for loan losses for the year ended December 31, 2016 were as follows:

		Commercial, Industrial, and Agricultural				Commercial Mortgages				Residential Real Estate				Consumer				Credit Cards				Overdrafts				Total
Allowance for loan losses, January 1, 2016		$	6,035			$	5,605			$	2,475			$	2,371			$	90			$	161			$	16,737
Charge-offs			(601	)			(201	)			(499	)			(3,324	)			(96	)			(240	)			(4,961	)
Recoveries			89				8				93				122				22				71				405
Provision for loan losses			(95	)			1,341				(416	)			3,046				77				196				4,149
Allowance for loan losses, December 31, 2016		$	5,428			$	6,753			$	1,653			$	2,215			$	93			$	188			$	16,330

Transactions in the allowance for loan losses for the year ended December 31, 2015 were as follows:

		Commercial, Industrial, and Agricultural				Commercial Mortgages				Residential Real Estate				Consumer				Credit Cards				Overdrafts				Total
Allowance for loan losses, January 1, 2015		$	7,114			$	5,310			$	2,479			$	2,205			$	71			$	194			$	17,373
Charge-offs			(307	)			(486	)			(632	)			(1,956	)			(116	)			(221	)			(3,718	)
Recoveries			267				52				8				96				14				85				522
Provision for loan losses			(1,039	)			729				620				2,026				121				103				2,560
Allowance for loan losses, December 31, 2015		$	6,035			$	5,605			$	2,475			$	2,371			$	90			$	161			$	16,737

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

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, 2016 and 2015. The recorded investment in loans excludes accrued interest and unearned discounts due to their insignificance.

December 31, 2016		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		$	188			$	996			$	0			$	0			$	0			$	0			$	1,184
Collectively evaluated for impairment			5,115				3,543				1,653				2,215				93				188				12,807
Acquired with deteriorated credit quality			0				0				0				0				0				0				0
Modified in a troubled debt restructuring			125				2,214				0				0				0				0				2,339
Total ending allowance balance		$	5,428			$	6,753			$	1,653			$	2,215			$	93			$	188			$	16,330
Loans:
Individually evaluated for impairment		$	775			$	6,176			$	0			$	0			$	0			$	0			$	6,951
Collectively evaluated for impairment			564,180				557,932				652,883				74,816				6,046				595				1,856,452
Acquired with deteriorated credit quality			205				1,527				0				0				0				0				1,732
Modified in a troubled debt restructuring			2,640				9,191				0				0				0				0				11,831
Total ending loans balance		$	567,800			$	574,826			$	652,883			$	74,816			$	6,046			$	595			$	1,876,966

December 31, 2015		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		$	239			$	0			$	39			$	0			$	0			$	0			$	278
Collectively evaluated for impairment			4,909				3,580				2,436				2,371				90				161				13,547
Acquired with deteriorated credit quality			0				0				0				0				0				0				0
Modified in a troubled debt restructuring			887				2,025				0				0				0				0				2,912
Total ending allowance balance		$	6,035			$	5,605			$	2,475			$	2,371			$	90			$	161			$	16,737
Loans:
Individually evaluated for impairment		$	1,196			$	393			$	248			$	0			$	0			$	0			$	1,837
Collectively evaluated for impairment			469,128				437,200				573,977				78,345				5,201				1,040				1,564,891
Acquired with deteriorated credit quality			0				685				0				0				0				0				685
Modified in a troubled debt restructuring			5,040				9,901				0				0				0				0				14,941
Total ending loans balance		$	475,364			$	448,179			$	574,225			$	78,345			$	5,201			$	1,040			$	1,582,354

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, 2016 and 2015 and for the years ended December 31, 2016, 2015, and 2014:

December 31, 2016		Unpaid Principal Balance				Recorded Investment				Allowance for Loan Losses Allocated
With an allowance recorded:
Commercial, industrial, and agricultural		$	1,644			$	1,644			$	313
Commercial mortgage			16,200				15,367				3,210
Residential real estate			0				0				0
With no related allowance recorded:
Commercial, industrial, and agricultural			2,669				1,771				0
Commercial mortgage			0				0				0
Residential real estate			0				0				0
Total		$	20,513			$	18,782			$	3,523

December 31, 2015		Unpaid Principal Balance				Recorded Investment				Allowance for Loan Losses Allocated
With an allowance recorded:
Commercial, industrial, and agricultural		$	3,448			$	3,448			$	1,126
Commercial mortgage			5,985				5,343				2,025
Residential real estate			351				248				39
With no related allowance recorded:
Commercial, industrial, and agricultural			3,716				2,788				0
Commercial mortgage			5,001				4,951				0
Residential real estate			0				0				0
Total		$	18,501			$	16,778			$	3,190

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, 2016
		Average Recorded Investment				Interest Income Recognized				Cash Basis Interest Recognized
With an allowance recorded:
Commercial, industrial, and agricultural		$	2,616			$	2			$	2
Commercial mortgage			8,138				0				0
Residential real estate			50				6				6
With no related allowance recorded:
Commercial, industrial, and agricultural			2,290				0				0
Commercial mortgage			2,773				0				0
Residential real estate			0				0				0
Total		$	15,867			$	8			$	8

		Year Ended December 31, 2015
		Average Recorded Investment				Interest Income Recognized				Cash Basis Interest Recognized
With an allowance recorded:
Commercial, industrial, and agricultural		$	5,667			$	44			$	44
Commercial mortgage			8,154				0				0
Residential real estate			370				21				21
With no related allowance recorded:
Commercial, industrial, and agricultural			1,831				14				14
Commercial mortgage			4,806				0				0
Residential real estate			103				6				6
Total		$	20,931			$	85			$	85

		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

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, 2016 and 2015:

		December 31, 2016								December 31, 2015
		Nonaccrual				Past Due Over 90 Days Still on Accrual				Nonaccrual				Past Due Over 90 Days Still on Accrual
Commercial, industrial, and agricultural		$	2,734			$	0			$	3,560			$	3
Commercial mortgages			5,996				0				3,651				0
Residential real estate			5,600				0				3,671				87
Consumer			999				0				1,277				15
Credit cards			0				10				0				0
Total		$	15,329			$	10			$	12,159			$	105

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, 2016 and 2015 by class of loans.

December 31, 2016		30-59 Days Past Due				60-89 Days Past Due				Greater Than 89 Days Past Due				Total Past Due				Loans Not Past Due				Total
Commercial, industrial, and agricultural		$	1,558			$	299			$	1,294			$	3,151			$	564,649			$	567,800
Commercial mortgages			559				0				1,516				2,075				572,751				574,826
Residential real estate			2,155				737				3,710				6,602				646,281				652,883
Consumer			648				890				974				2,512				72,304				74,816
Credit cards			105				0				10				115				5,931				6,046
Overdrafts			0				0				0				0				595				595
Total		$	5,025			$	1,926			$	7,504			$	14,455			$	1,862,511			$	1,876,966

December 31, 2015		30-59 Days Past Due				60-89 Days Past Due				Greater Than 89 Days Past Due				Total Past Due				Loans Not Past Due				Total
Commercial, industrial, and agricultural		$	131			$	622			$	698			$	1,451			$	473,913			$	475,364
Commercial mortgages			7				343				3,651				4,001				444,178				448,179
Residential real estate			2,834				378				3,001				6,213				568,012				574,225
Consumer			216				179				1,292				1,687				76,658				78,345
Credit cards			0				0				0				0				5,201				5,201
Overdrafts			0				0				0				0				1,040				1,040
Total		$	3,188			$	1,522			$	8,642			$	13,352			$	1,569,002			$	1,582,354

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, 2016 and December 31, 2015.

		December 31, 2016												December 31, 2015
		Number of Loans				Loan Balance				Specific Reserve				Number of Loans				Loan Balance				Specific Reserve
Commercial, industrial, and agricultural			7			$	2,640			$	125				8			$	5,040			$	887
Commercial mortgages			8				9,191				2,214				8				9,901				2,025
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			15			$	11,831			$	2,339				16			$	14,941			$	2,912

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, 2016, 2015 and 2014:

		Year Ended December 31, 2016
		Number of Loans				Pre-Modification Outstanding Recorded Investment				Post-Modification Outstanding  Recorded Investment
Commercial, industrial, and agricultural			1			$	109			$	109
Commercial mortgages			0				0				0
Residential real estate			0				0				0
Consumer			0				0				0
Credit cards			0				0				0
Total			1			$	109			$	109

		Year Ended December 31, 2015
		Number of Loans				Pre-Modification Outstanding Recorded Investment				Post-Modification Outstanding  Recorded Investment
Commercial, industrial, and agricultural			1			$	1,327			$	1,327
Commercial mortgages			0				0				0
Residential real estate			0				0				0
Consumer			0				0				0
Credit cards			0				0				0
Total			1			$	1,327			$	1,327
		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

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

All loans included in the following tables have been assigned a risk rating within 12 months of the balance sheet date.

December 31, 2016		Pass				Special Mention				Substandard				Doubtful				Total
Commercial, industrial, and agricultural		$	531,320			$	14,638			$	21,831			$	11			$	567,800
Commercial mortgages			551,474				1,809				21,543				0				574,826
Total		$	1,082,794			$	16,447			$	43,374			$	11			$	1,142,626
December 31, 2015		Pass				Special Mention				Substandard				Doubtful				Total
Commercial, industrial, and agricultural		$	447,449			$	4,749			$	22,943			$	223			$	475,364
Commercial mortgages			426,870				1,735				19,148				426				448,179
Total		$	874,319			$	6,484			$	42,091			$	649			$	923,543

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 performance status as of December 31, 2016 and December 31, 2015:

		December 31, 2016												December 31, 2015
		Residential Real Estate				Consumer				Credit Cards				Residential Real Estate				Consumer				Credit Cards
Performing		$	647,283			$	73,817			$	6,036			$	570,467			$	77,053			$	5,201
Nonperforming			5,600				999				10				3,758				1,292				0
Total		$	652,883			$	74,816			$	6,046			$	574,225			$	78,345			$	5,201

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, 2016 and 2015:

		2016				2015
Consumer		$	24,026			$	30,001
Residential real estate			1,209				1,263
Less: unearned discount			(3,430	)			(4,556	)
Total		$	21,805			$	26,708

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