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Loans (Tables)

12 Months Ended

Dec. 31, 2017

Receivables [Abstract]

Schedule of Net Loans

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

		2017				2016
Commercial, industrial, and agricultural		$	749,138			$	567,800
Commercial mortgages			600,065				574,826
Residential real estate			713,347				652,883
Consumer			80,193				74,816
Credit cards			6,753				6,046
Overdrafts			352				595
Less: unearned discount			(3,889	)			(3,430	)
allowance for loan losses			(19,693	)			(16,330	)
Loans, net		$	2,126,266			$	1,857,206

Allowance for Loan Losses

Transactions in the allowance for loan losses for the year ended December 31, 2017 were as follows:

		Commercial, Industrial, and Agricultural				Commercial Mortgages				Residential Real Estate				Consumer				Credit Cards				Overdrafts				Total
Allowance for loan losses, January 1, 2017		$	5,428			$	6,753			$	1,653			$	2,215			$	93			$	188			$	16,330
Charge-offs			(544	)			(116	)			(466	)			(2,555	)			(144	)			(252	)			(4,077	)
Recoveries			235				197				78				161				27				87				785
Provision for loan losses			1,041				2,173				768				2,358				144				171				6,655
Allowance for loan losses, December 31, 2017		$	6,160			$	9,007			$	2,033			$	2,179			$	120			$	194			$	19,693

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

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, 2017 and 2016. The recorded investment in loans excludes accrued interest and unearned discounts due to their insignificance.

December 31, 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		$	47			$	0			$	0			$	0			$	0			$	0			$	47
Collectively evaluated for impairment			5,868				3,563				2,033				2,179				120				194				13,957
Acquired with deteriorated credit quality			0				0				0				0				0				0				0
Modified in a troubled debt restructuring			245				5,444				0				0				0				0				5,689
Total ending allowance balance		$	6,160			$	9,007			$	2,033			$	2,179			$	120			$	194			$	19,693
Loans:
Individually evaluated for impairment		$	1,187			$	51			$	0			$	0			$	0			$	0			$	1,238
Collectively evaluated for impairment			742,738				586,845				713,347				80,193				6,753				352				2,130,228
Acquired with deteriorated credit quality			0				1,079				0				0				0				0				1,079
Modified in a troubled debt restructuring			5,213				12,090				0				0				0				0				17,303
Total ending loans balance		$	749,138			$	600,065			$	713,347			$	80,193			$	6,753			$	352			$	2,149,848

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 December 31, 2017 and 2016 and for the years ended December 31, 2017, 2016, and 2015:

December 31, 2017		Unpaid Principal Balance				Recorded Investment				Allowance for Loan Losses Allocated
With an allowance recorded:
Commercial, industrial, and agricultural		$	1,915			$	1,915			$	292
Commercial mortgage			9,940				9,731				5,444
Residential real estate			0				0				0
With no related allowance recorded:
Commercial, industrial, and agricultural			5,264				4,485				0
Commercial mortgage			3,211				2,410				0
Residential real estate			0				0				0
Total		$	20,330			$	18,541			$	5,736

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.

		Year Ended December 31, 2017
		Average Recorded Investment				Interest Income Recognized				Cash Basis Interest Recognized
With an allowance recorded:
Commercial, industrial, and agricultural		$	1,513			$	97			$	97
Commercial mortgage			11,944				327				327
Residential real estate			0				0				0
With no related allowance recorded:
Commercial, industrial, and agricultural			2,438				114				114
Commercial mortgage			2,474				122				122
Residential real estate			0				0				0
Total		$	18,369			$	660			$	660

		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

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, 2017 and 2016:

		December 31, 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		$	1,869			$	78			$	2,734			$	0
Commercial mortgages			11,065				0				5,996				0
Residential real estate			5,470				338				5,600				0
Consumer			828				17				999				0
Credit cards			0				44				0				10
Total		$	19,232			$	477			$	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 December 31, 2017 and 2016 by class of loans.

December 31, 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		$	2,745			$	646			$	748			$	4,139			$	744,999			$	749,138
Commercial mortgages			233				0				292				525				599,540				600,065
Residential real estate			2,290				1,494				4,655				8,439				704,908				713,347
Consumer			454				307				812				1,573				78,620				80,193
Credit cards			31				10				44				85				6,668				6,753
Overdrafts			0				0				0				0				352				352
Total		$	5,753			$	2,457			$	6,551			$	14,761			$	2,135,087			$	2,149,848

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 December 31, 2017 and December 31, 2016.

		December 31, 2017												December 31, 2016
		Number of Loans				Loan Balance				Specific Reserve				Number of Loans				Loan Balance				Specific Reserve
Commercial, industrial, and agricultural			10			$	5,213			$	245				7			$	2,640			$	125
Commercial mortgages			9				12,090				5,444				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			19			$	17,303			$	5,689				15			$	11,831			$	2,339

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, 2017, 2016, and 2015:

		Year Ended December 31, 2017
		Number of Loans				Pre-Modification Outstanding Recorded Investment				Post-Modification Outstanding  Recorded Investment
Commercial, industrial, and agricultural			4			$	2,750			$	2,750
Commercial mortgages			2				6,421				6,421
Residential real estate			0				0				0
Consumer			0				0				0
Credit cards			0				0				0
Total			6			$	9,171			$	9,171

		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

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, 2017		Pass				Special Mention				Substandard				Doubtful				Total
Commercial, industrial, and agricultural		$	713,102			$	16,726			$	19,310			$	0			$	749,138
Commercial mortgages			581,631				4,419				14,015				0				600,065
Total		$	1,294,733			$	21,145			$	33,325			$	0			$	1,349,203

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 performance status as of December 31, 2017 and December 31, 2016:

		December 31, 2017												December 31, 2016
		Residential Real Estate				Consumer				Credit Cards				Residential Real Estate				Consumer				Credit Cards
Performing		$	707,539			$	79,348			$	6,709			$	647,283			$	73,817			$	6,036
Nonperforming			5,808				845				44				5,600				999				10
Total		$	713,347			$	80,193			$	6,753			$	652,883			$	74,816			$	6,046

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, 2017 and 2016:

		2017				2016
Consumer		$	23,428			$	24,026
Residential real estate			0				1,209
Less: unearned discount			(3,889	)			(3,430	)
Total		$	19,539			$	21,805

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