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Loans (Tables)

6 Months Ended

Jun. 30, 2017

Receivables [Abstract]

Schedule of Net Loans

Total net loans at June 30, 2017 and December 31, 2016 are summarized as follows:

		June 30, 2017				December 31, 2016
Commercial, industrial, and agricultural		$	636,836			$	567,800
Commercial mortgages			618,262				574,826
Residential real estate			684,294				652,883
Consumer			76,476				74,816
Credit cards			6,080				6,046
Overdrafts			2,359				595
Less: unearned discount			(3,478	)			(3,430	)
allowance for loan losses			(17,269	)			(16,330	)
Loans, net		$	2,003,560			$	1,857,206

Allowance for Loan Losses

Transactions in the allowance for loan losses for the three months ended June 30, 2017 were as follows:

		Commercial,								Residential
		Industrial, and				Commercial				Real								Credit
		Agricultural				Mortgages				Estate				Consumer				Cards				Overdrafts				Total
Allowance for loan losses, April 1, 2017		$	4,785			$	7,357			$	2,022			$	2,089			$	105			$	188			$	16,546
Charge-offs			(29	)			0				(130	)			(531	)			(14	)			(60	)			(764	)
Recoveries			119				192				2				12				4				24				353
Provision (benefit) for loan losses			688				92				(224	)			498				47				33				1,134
Allowance for loan losses, June 30, 2017		$	5,563			$	7,641			$	1,670			$	2,068			$	142			$	185			$	17,269

Transactions in the allowance for loan losses for the six months ended June 30, 2017 were as follows:

		Commercial,								Residential
		Industrial, and				Commercial				Real								Credit
		Agricultural				Mortgages				Estate				Consumer				Cards				Overdrafts				Total
Allowance for loan losses, January 1, 2017		$	5,428			$	6,753			$	1,653			$	2,215			$	93			$	188			$	16,330
Charge-offs			(30	)			0				(198	)			(1,266	)			(72	)			(129	)			(1,695	)
Recoveries			131				194				73				14				15				57				484
Provision (benefit) for loan losses			34				694				142				1,105				106				69				2,150
Allowance for loan losses, June 30, 2017		$	5,563			$	7,641			$	1,670			$	2,068			$	142			$	185			$	17,269

Transactions in the allowance for loan losses for the three months ended June 30, 2016 were as follows:

		Commercial,								Residential
		Industrial, and				Commercial				Real								Credit
		Agricultural				Mortgages				Estate				Consumer				Cards				Overdrafts				Total
Allowance for loan losses, April 1, 2016		$	5,627			$	6,044			$	2,574			$	2,274			$	81			$	138			$	16,738
Charge-offs			(162	)			(20	)			(124	)			(701	)			(28	)			(30	)			(1,065	)
Recoveries			39				0				3				30				3				20				95
Provision (benefit) for loan losses			(286	)			183				(154	)			463				(6	)			20				220
Allowance for loan losses, June 30, 2016		$	5,218			$	6,207			$	2,299			$	2,066			$	50			$	148			$	15,988
Transactions in the allowance for loan losses for the six months ended June 30, 2016 were as follows:
		Commercial,								Residential
		Industrial, and				Commercial				Real								Credit
		Agricultural				Mortgages				Estate				Consumer				Cards				Overdrafts				Total
Allowance for loan losses, January 1, 2016		$	6,035			$	5,605			$	2,475			$	2,371			$	90			$	161			$	16,737
Charge-offs			(433	)			(20	)			(149	)			(1,688	)			(37	)			(81	)			(2,408	)
Recoveries			47				5				62				74				15				40				243
Provision (benefit) for loan losses			(431	)			617				(89	)			1,309				(18	)			28				1,416
Allowance for loan losses, June 30, 2016		$	5,218			$	6,207			$	2,299			$	2,066			$	50			$	148			$	15,988

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 June 30, 2017 and December 31, 2016. The recorded investment in loans excludes accrued interest and unearned discounts due to their insignificance. June 30, 2017
		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		$	0			$	2,151			$	0			$	0			$	0			$	0			$	2,151
Collectively evaluated for impairment			5,442				3,862				1,670				2,068				142				185				13,369
Acquired with deteriorated credit quality			0				0				0				0				0				0				0
Modified in a troubled debt restructuring			121				1,628				0				0				0				0				1,749
Total ending allowance balance		$	5,563			$	7,641			$	1,670			$	2,068			$	142			$	185			$	17,269
Loans:
Individually evaluated for impairment		$	630			$	6,094			$	0			$	0			$	0			$	0			$	6,724
Collectively evaluated for impairment			633,655				602,031				684,294				76,476				6,080				2,359				2,004,895
Acquired with deteriorated credit quality			0				1,501				0				0				0				0				1,501
Modified in a troubled debt restructuring			2,551				8,636				0				0				0				0				11,187
Total ending loans balance		$	636,836			$	618,262			$	684,294			$	74,476			$	6,080			$	2,359			$	2,024,307
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

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 June 30, 2017 and December 31, 2016 and for the six months ended June 30, 2017 and 2016:

June 30, 2017

		Unpaid Principal Balance				Recorded Investment				Allowance for Loan Losses Allocated
With an allowance recorded:
Commercial, industrial, and agricultural		$	1,168			$	1,168			$	121
Commercial mortgage			10,167				9,836				3,779
Residential real estate			0				0				0
With no related allowance recorded:
Commercial, industrial, and agricultural			2,856				2,013				0
Commercial mortgage			5,629				4,894				0
Residential real estate			0				0				0
Total		$	19,820			$	17,911			$	3,900

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

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.

		Three Months Ended June 30, 2017												Three Months Ended June 30, 2016
		Average				Interest				Cash Basis				Average				Interest				Cash Basis
		Recorded				Income				Interest				Recorded				Income				Interest
		Investment				Recognized				Recognized				Investment				Recognized				Recognized
With an allowance recorded:
Commercial, industrial, and agricultural		$	1,398			$	18			$	18			$	3,150			$	2			$	2
Commercial mortgage			12,505				71				71				5,309				4				4
Residential real estate			0				0				0				0				0				0
With no related allowance recorded:
Commercial, industrial, and agricultural			1,833				34				34				2,525				2				2
Commercial mortgage			2,447				67				67				4,458				3				3
Residential real estate			0				0				0				0				0				0
Total		$	18,183			$	190			$	190			$	15,442			$	11			$	11

		Six Months Ended June 30, 2017												Six Months Ended June 30, 2016
		Average				Interest				Cash Basis				Average				Interest				Cash Basis
		Recorded				Income				Interest				Recorded				Income				Interest
		Investment				Recognized				Recognized				Investment				Recognized				Recognized
With an allowance recorded:
Commercial, industrial, and agricultural		$	1,480			$	36			$	36			$	3,249			$	2			$	2
Commercial mortgage			13,459				216				216				5,320				4				4
Residential real estate			0				0				0				83				6				6
With no related allowance recorded:
Commercial, industrial, and agricultural			1,812				50				50				2,612				2				2
Commercial mortgage			1,631				67				67				4,622				3				3
Residential real estate			0				0				0				0				0				0
Total		$	18,382			$	369			$	369			$	15,886			$	17			$	17

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

Thefollowing table presents the recorded investment in nonaccrual loans and loans past due over 90 days still accruing interest by class of loans as of June 30, 2017 and December 31, 2016:

		June 30, 2017								December 31, 2016
		Nonaccrual				Past Due Over 90 Days Still on Accrual				Nonaccrual				Past Due Over 90 Days Still on Accrual
Commercial, industrial, and agricultural		$	2,288			$	0			$	2,734			$	0
Commercial mortgages			11,579				0				5,996				0
Residential real estate			5,406				282				5,600				0
Consumer			722				20				999				0
Credit cards			0				12				0				10
Total		$	19,995			$	314			$	15,329			$	10

Aging of Recorded Investment in Past Due Loans

The following table presents the aging of the recorded investment in past due loans as of June 30, 2017 and December 31, 2016 by class of loans.

June 30, 2017

		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		$	2,366			$	464			$	948			$	3,778			$	633,058			$	636,836
Commercial mortgages			41				0				1,450				1,491				616,771				618,262
Residential real estate			1,851				1,077				4,385				7,313				676,981				684,294
Consumer			517				277				718				1,512				74,964				76,476
Credit cards			28				32				12				72				6,008				6,080
Overdrafts			0				0				0				0				2,359				2,359
Total		$	4,803			$	1,850			$	7,513			$	14,166			$	2,010,141			$	2,024,307

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

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 June 30, 2017 and December 31, 2016.

		June 30, 2017												December 31, 2016
		Number of Loans				Loan Balance				Specific Reserve				Number of Loans				Loan Balance				Specific Reserve
Commercial, industrial, and agricultural			6			$	2,551			$	121				7			$	2,640			$	125
Commercial mortgages			8				8,636				1,628				8				9,191				2,214
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			14			$	11,187			$	1,749				15			$	11,831			$	2,339

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.

June 30, 2017

		Pass				Special Mention				Substandard				Doubtful				Total
Commercial, industrial, and agricultural		$	601,561			$	9,575			$	25,700			$	0			$	636,836
Commercial mortgages			599,015				3,100				16,147				0				618,262
Total		$	1,200,576			$	12,675			$	41,847			$	0			$	1,255,098

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

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 June 30, 2017 and December 31, 2016:

		June 30, 2017												December 31, 2016
		Residential								Credit				Residential								Credit
		Real Estate				Consumer				Cards				Real Estate				Consumer				Cards
Performing		$	678,606			$	75,734			$	6,068			$	647,283			$	73,817			$	6,036
Nonperforming			5,688				742				12				5,600				999				10
Total		$	684,294			$	76,476			$	6,080			$	652,883			$	74,816			$	6,046

Summary of Holiday's Loan Portfolio

Holiday’s loan portfolio is summarized as follows at June 30, 2017 and December 31, 2016:

		June 30,				December 31,
		2017				2016
Consumer		$	22,011			$	24,026
Residential real estate			1,142				1,209
Less: unearned discount			(3,478	)			(3,430	)
Total		$	19,675			$	21,805

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