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Loans (Tables)

12 Months Ended

Dec. 31, 2018

Receivables [Abstract]

Schedule of Net Loans

Total net loans at December 31, 2018 and 2017 are summarized as follows:

	2018				2017
Commercial, industrial, and agricultural	$	916,297			$	704,606
Commercial mortgages	697,776				644,597
Residential real estate	771,309				713,347
Consumer	86,035				80,193
Credit cards	7,623				6,753
Overdrafts	308				352
Less: unearned discount	(4,791		)		(3,889		)
allowance for loan losses	(19,704		)		(19,693		)
Loans, net	$	2,454,853			$	2,126,266

Allowance for Loan Losses

Transactions in the allowance for loan losses for the year ended December 31, 2018 were as follows:

	Commercial, Industrial, and Agricultural				Commercial Mortgages				Residential Real Estate				Consumer				Credit Cards				Overdrafts				Total
Allowance for loan losses, January 1, 2018	$	6,160			$	9,007			$	2,033			$	2,179			$	120			$	194			$	19,693
Charge-offs	(253		)		(3,337		)		(315		)		(2,279		)		(90		)		(319		)		(6,593		)
Recoveries	171				30				67				141				33				90				532
Provision for loan losses	1,263				1,790				371				2,336				40				272				6,072
Allowance for loan losses, December 31, 2018	$	7,341			$	7,490			$	2,156			$	2,377			$	103			$	237			$	19,704

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

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, 2018 and 2017. The recorded investment in loans excludes accrued interest and unearned discounts due to their insignificance.

December 31, 2018	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	$	54			$	4			$	100			$	0			$	0			$	10			$	168
Collectively evaluated for impairment	7,183				3,036				2,056				2,377				103				227				14,982
Acquired with deteriorated credit quality	0				0				0				0				0				0				0
Modified in a troubled debt restructuring	104				4,450				0				0				0				0				4,554
Total ending allowance balance	$	7,341			$	7,490			$	2,156			$	2,377			$	103			$	237			$	19,704
Loans:
Individually evaluated for impairment	$	1,334			$	1,446			$	502			$	0			$	0			$	10			$	3,292
Collectively evaluated for impairment	910,386				685,714				770,807				86,035				7,623				298				2,460,863
Acquired with deteriorated credit quality	0				567				0				0				0				0				567
Modified in a troubled debt restructuring	4,577				10,049				0				0				0				0				14,626
Total ending loans balance	$	916,297			$	697,776			$	771,309			$	86,035			$	7,623			$	308			$	2,479,348

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	698,206				631,377				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	$	704,606			$	644,597			$	713,347			$	80,193			$	6,753			$	352			$	2,149,848

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, 2018 and 2017 and for the years ended December 31, 2018, 2017, and 2016:

December 31, 2018	Unpaid Principal Balance				Recorded Investment				Allowance for Loan Losses Allocated
With an allowance recorded:
Commercial, industrial, and agricultural	$	3,053			$	3,037			$	158
Commercial mortgage	10,799				6,709				4,454
Residential real estate	502				502				100
Overdrafts	10				10				10
With no related allowance recorded:
Commercial, industrial, and agricultural	3,684				2,874				0
Commercial mortgage	5,659				4,786				0
Residential real estate	0				0				0
Overdrafts	0				0				0
Total	$	23,707			$	17,918			$	4,722

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

	Year Ended December 31, 2018
	Average Recorded Investment				Interest Income Recognized				Cash Basis Interest Recognized
With an allowance recorded:
Commercial, industrial, and agricultural	$	2,745			$	254			$	249
Commercial mortgage	8,456				338				326
Residential real estate	304				20				19
Overdrafts	2				0				0
With no related allowance recorded:
Commercial, industrial, and agricultural	4,642				157				148
Commercial mortgage	4,566				146				144
Residential real estate	0				0				0
Overdrafts	0				0				0
Total	$	20,715			$	915			$	886

	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

Aging of Recorded Investment in Past Due 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, 2018 and 2017: 

	December 31, 2018								December 31, 2017
	Nonaccrual				Past Due Over 90 Days Still on Accrual				Nonaccrual				Past Due Over 90 Days Still on Accrual
Commercial, industrial, and agricultural	$	2,839			$	489			$	1,869			144
Commercial mortgages	7,694				53				11,065				0
Residential real estate	6,023				299				5,470				429
Consumer	683				44				828				37
Credit cards	0				5				0				54
Total	$	17,239			$	890			$	19,232			$	664

The following table presents the aging of the recorded investment in past due loans as of December 31, 2018 and 2017 by class of loans.

December 31, 2018	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	$	2,379			$	16			$	2,341			$	4,736			$	911,561			$	916,297
Commercial mortgages	858				3,058				297				4,213				693,563				697,776
Residential real estate	4,064				1,319				4,494				9,877				761,432				771,309
Consumer	474				283				367				1,124				84,911				86,035
Credit cards	59				15				5				79				7,544				7,623
Overdrafts	0				0				0				0				308				308
Total	$	7,834			$	4,691			$	7,504			$	20,029			$	2,459,319			$	2,479,348

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			$	700,467			$	704,606
Commercial mortgages	233				0				292				525				644,072				644,597
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	29				2				54				85				6,668				6,753
Overdrafts	0				0				0				0				352				352
Total	$	5,751			$	2,449			$	6,561			$	14,761			$	2,135,087			$	2,149,848

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, 2018 and December 31, 2017. 

	December 31, 2018											December 31, 2017
	Number of Loans			Loan Balance				Specific Reserve				Number of Loans			Loan Balance				Specific Reserve
Commercial, industrial, and agricultural	10			$	4,577			$	104			11			$	5,213			$	245
Commercial mortgages	15			10,049				4,450				9			12,090				5,444
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	25			$	14,626			$	4,554			20			$	17,303			$	5,689

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, 2018, 2017, and 2016:

	Year Ended December 31, 2018
	Number of Loans			Pre-Modification Outstanding Recorded Investment				Post-Modification Outstanding  Recorded Investment
Commercial, industrial, and agricultural	0			$	0			$	0
Commercial mortgages	5			1,570				1,570
Residential real estate	0			0				0
Consumer	0			0				0
Credit cards	0			0				0
Total	5			$	1,570			$	1,570

	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

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

The following table presents the recorded investment in residential, consumer, and credit card loans based on performance status as of December 31, 2018 and December 31, 2017: 

	December 31, 2018												December 31, 2017
	Residential Real Estate				Consumer				Credit Cards				Residential Real Estate				Consumer				Credit Cards
Performing	$	764,987			$	85,308			$	7,618			$	707,448			$	79,328			$	6,699
Nonperforming	6,322				727				5				5,899				865				54
Total	$	771,309			$	86,035			$	7,623			$	713,347			$	80,193			$	6,753

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

December 31, 2018	Pass				Special Mention				Substandard				Doubtful				Total
Commercial, industrial, and agricultural	$	889,547			$	10,519			$	16,231			$	0			$	916,297
Commercial mortgages	683,413				3,241				11,122				0				697,776
Total	$	1,572,960			$	13,760			$	27,353			$	0			$	1,614,073

December 31, 2017	Pass				Special Mention				Substandard				Doubtful				Total
Commercial, industrial, and agricultural	$	668,570			$	16,726			$	19,310			$	0			$	704,606
Commercial mortgages	626,163				4,419				14,015				0				644,597
Total	$	1,294,733			$	21,145			$	33,325			$	0			$	1,349,203

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, 2018 and 2017: 

	2018				2017
Consumer	$	26,568			$	23,428
Less: unearned discount	(4,791		)		(3,889		)
Total	$	21,777			$	19,539

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