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Loans (Tables) | 3 Months Ended
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Mar. 31, 2014
Loans [Abstract] |
Loan Portfolio |
|  | Principal |  | Net Deferred |  |  |  |
|  | Amount |  | Loan Costs |  |  |  |
|  | Outstanding |  | (Fees) |  |  | Loans, Net |
March 31, 2014 |  |  |  |  |  |  |  |
Commercial business | $ | 268,308 | $ | 44 |  | $ | 268,352 |
Commercial mortgage |  | 469,725 |  | (962 | ) |  | 468,763 |
Residential mortgage |  | 110,290 |  | (126 | ) |  | 110,164 |
Home equity |  | 326,744 |  | 5,604 |  |  | 332,348 |
Consumer indirect |  | 620,916 |  | 26,630 |  |  | 647,546 |
Other consumer |  | 21,488 |  | 179 |  |  | 21,667 |
Total | $ | 1,817,471 | $ | 31,369 |  |  | 1,848,840 |
Allowance for loan losses |  |  |  |  |  |  | (27,152 | )
Total loans, net |  |  |  |  |  | $ | 1,821,688 |
December 31, 2013 |  |  |  |  |  |  |  |
Commercial business | $ | 265,751 | $ | 15 |  | $ | 265,766 |
Commercial mortgage |  | 470,312 |  | (1,028 | ) |  | 469,284 |
Residential mortgage |  | 113,101 |  | (56 | ) |  | 113,045 |
Home equity |  | 320,658 |  | 5,428 |  |  | 326,086 |
Consumer indirect |  | 609,390 |  | 26,978 |  |  | 636,368 |
Other consumer |  | 22,893 |  | 177 |  |  | 23,070 |
Total | $ | 1,802,105 | $ | 31,514 |  |  | 1,833,619 |
Allowance for loan losses |  |  |  |  |  |  | (26,736 | )
Total loans, net |  |  |  |  |  | $ | 1,806,883 |
Recorded Investment By Loan Class In Current And Nonaccrual Loans |
|  |  |  |  |  | Greater |  |  |  |  |  |  |  |
|  | 30-59 Days |  | 60-89 Days |  | Than 90 |  | Total Past |  |  |  |  |  | Total
|  | Past Due |  | Past Due |  | Days |  | Due |  | Nonaccrual |  | Current |  | Loans
March 31, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business | $ | 1,943 | $ | - | $ | - | $ | 1,943 | $ | 3,706 | $ | 262,659 | $ | 268,308
Commercial mortgage |  | 1,290 |  | - |  | - |  | 1,290 |  | 9,545 |  | 458,890 |  | 469,725
Residential mortgage |  | 468 |  | - |  | - |  | 468 |  | 760 |  | 109,062 |  | 110,290
Home equity |  | 378 |  | - |  | - |  | 378 |  | 826 |  | 325,540 |  | 326,744
Consumer indirect |  | 1,258 |  | 354 |  | - |  | 1,612 |  | 1,387 |  | 617,917 |  | 620,916
Other consumer |  | 85 |  | 53 |  | 6 |  | 144 |  | 40 |  | 21,304 |  | 21,488
Total loans, gross | $ | 5,422 | $ | 407 | $ | 6 | $ | 5,835 | $ | 16,264 | $ | 1,795,372 | $ | 1,817,471
December 31, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business | $ | 558 | $ | 199 | $ | - | $ | 757 | $ | 3,474 | $ | 261,520 | $ | 265,751
Commercial mortgage |  | 800 |  | - |  | - |  | 800 |  | 9,663 |  | 459,849 |  | 470,312
Residential mortgage |  | 542 |  | - |  | - |  | 542 |  | 1,078 |  | 111,481 |  | 113,101
Home equity |  | 750 |  | 143 |  | - |  | 893 |  | 925 |  | 318,840 |  | 320,658
Consumer indirect |  | 2,129 |  | 476 |  | - |  | 2,605 |  | 1,471 |  | 605,314 |  | 609,390
Other consumer |  | 126 |  | 72 |  | 6 |  | 204 |  | 5 |  | 22,684 |  | 22,893
Total loans, gross | $ | 4,905 | $ | 890 | $ | 6 | $ | 5,801 | $ | 16,616 | $ | 1,779,688 | $ | 1,802,105
Information Related To Loans Modified In A TDR |
|  | Pre- |  | Post -
|  | Modification |  | Modification
|  | Outstanding |  | Outstanding
| Number of | Recorded |  | Recorded
| Contracts | Investment |  | Investment
March 31, 2014 |  |  |  |  |
Commercial business | - | $ | - | $ | -
Commercial mortgage | - |  | - |  | -
Total | - | $ | - | $ | -
March 31, 2013 |  |  |  |  |
Commercial business | 2 | $ | 189 | $ | 181
Commercial mortgage | - |  | - |  | -
Total | 2 | $ | 189 | $ | 181
Summary Of Impaired Loans |
|  |  |  | Unpaid |  |  |  | Average |  | Interest
|  | Recorded |  | Principal |  | Related |  | Recorded |  | Income
|  | Investment(1) |  | Balance(1) |  | Allowance |  | Investment |  | Recognized
March 31, 2014 |  |  |  |  |  |  |  |  |  |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |
Commercial business | $ | 1,869 | $ | 2,420 | $ | - | $ | 1,831 | $ | -
Commercial mortgage |  | 1,095 |  | 1,126 |  | - |  | 937 |  | -
|  | 2,964 |  | 3,546 |  | - |  | 2,768 |  | -
With an allowance recorded: |  |  |  |  |  |  |  |  |  |
Commercial business |  | 1,837 |  | 1,857 |  | 397 |  | 1,669 |  | -
Commercial mortgage |  | 8,450 |  | 8,850 |  | 926 |  | 8,657 |  | -
|  | 10,287 |  | 10,707 |  | 1,323 |  | 10,326 |  | -
| $ | 13,251 | $ | 14,253 | $ | 1,323 | $ | 13,094 | $ | -
December 31, 2013 |  |  |  |  |  |  |  |  |  |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |
Commercial business | $ | 1,777 | $ | 2,273 | $ | - | $ | 659 | $ | -
Commercial mortgage |  | 875 |  | 906 |  | - |  | 760 |  | -
|  | 2,652 |  | 3,179 |  | - |  | 1,419 |  | -
With an allowance recorded: |  |  |  |  |  |  |  |  |  |
Commercial business |  | 1,697 |  | 1,717 |  | 201 |  | 3,196 |  | -
Commercial mortgage |  | 8,788 |  | 9,188 |  | 1,057 |  | 3,758 |  | -
|  | 10,485 |  | 10,905 |  | 1,258 |  | 6,954 |  | -
| $ | 13,137 | $ | 14,084 | $ | 1,258 | $ | 8,373 | $ | -
(1) Difference between recorded investment and unpaid principal balance represents partial charge-offs.
Commercial Loan Portfolio Categorized By Internally Assigned Asset Classification |
|  | Commercial |  | Commercial
|  | Business |  | Mortgage
March 31, 2014 |  |  |  |
Uncriticized | $ | 249,625 | $ | 449,042
Special mention |  | 8,133 |  | 3,713
Substandard |  | 10,550 |  | 16,970
Doubtful |  | - |  | -
Total | $ | 268,308 | $ | 469,725
December 31, 2013 |  |  |  |
Uncriticized | $ | 250,553 | $ | 449,447
Special mention |  | 6,311 |  | 6,895
Substandard |  | 8,887 |  | 13,970
Doubtful |  | - |  | -
Total | $ | 265,751 | $ | 470,312
Retail Loan Portfolio Categorized By Payment Status |
|  | Residential |  | Home |  | Consumer |  | Other
|  | Mortgage |  | Equity |  | Indirect |  | Consumer
March 31, 2014 |  |  |  |  |  |  |  |
Performing | $ | 109,530 | $ | 325,918 | $ | 619,529 | $ | 21,442
Non-performing |  | 760 |  | 826 |  | 1,387 |  | 46
Total | $ | 110,290 | $ | 326,744 | $ | 620,916 | $ | 21,488
December 31, 2013 |  |  |  |  |  |  |  |
Performing | $ | 112,023 | $ | 319,733 | $ | 607,919 | $ | 22,882
Non-performing |  | 1,078 |  | 925 |  | 1,471 |  | 11
Total | $ | 113,101 | $ | 320,658 | $ | 609,390 | $ | 22,893
Changes In The Allowance For Loan Losses |
|  | Commercial |  | Commercial |  | Residential |  | Home |  | Consumer |  | Other |  |
|  | Business |  | Mortgage |  | Mortgage |  | Equity |  | Indirect |  | Consumer |  | Total
March 31, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 4,273 | $ | 7,743 | $ | 676 | $ | 1,367 | $ | 12,230 | $ | 447 | $ | 26,736
Charge-offs |  | 68 |  | - |  | 78 |  | 106 |  | 2,455 |  | 269 |  | 2,976
Recoveries |  | 29 |  | 7 |  | 21 |  | 11 |  | 1,105 |  | 113 |  | 1,286
Provision |  | 455 |  | 230 |  | 53 |  | 99 |  | 1,104 |  | 165 |  | 2,106
Ending balance | $ | 4,689 | $ | 7,980 | $ | 672 | $ | 1,371 | $ | 11,984 | $ | 456 | $ | 27,152
Evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually | $ | 397 | $ | 926 | $ | - | $ | - | $ | - | $ | - | $ | 1,323
Collectively | $ | 4,292 | $ | 7,054 | $ | 672 | $ | 1,371 | $ | 11,984 | $ | 456 | $ | 25,829
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance | $ | 268,308 | $ | 469,725 | $ | 110,290 | $ | 326,744 | $ | 620,916 | $ | 21,488 | $ | 1,817,471
Evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually | $ | 3,706 | $ | 9,545 | $ | - | $ | - | $ | - | $ | - | $ | 13,251
Collectively | $ | 264,602 | $ | 460,180 | $ | 110,290 | $ | 326,744 | $ | 620,916 | $ | 21,488 | $ | 1,804,220
March 31, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 4,884 | $ | 6,581 | $ | 740 | $ | 1,282 | $ | 10,715 | $ | 512 | $ | 24,714
Charge-offs |  | 239 |  | 3 |  | 162 |  | 269 |  | 1,718 |  | 252 |  | 2,643
Recoveries |  | 37 |  | 14 |  | 17 |  | 37 |  | 805 |  | 137 |  | 1,047
Provision |  | 485 |  | 379 |  | 73 |  | 233 |  | 1,510 |  | 29 |  | 2,709
Ending balance | $ | 5,167 | $ | 6,971 | $ | 668 | $ | 1,283 | $ | 11,312 | $ | 426 | $ | 25,827
Evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually | $ | 1,335 | $ | 657 | $ | - | $ | - | $ | - | $ | - | $ | 1,992
Collectively | $ | 3,832 | $ | 6,314 | $ | 668 | $ | 1,283 | $ | 11,312 | $ | 426 | $ | 23,835
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance | $ | 259,054 | $ | 425,586 | $ | 126,058 | $ | 287,844 | $ | 563,428 | $ | 24,581 | $ | 1,686,551
Evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually | $ | 5,616 | $ | 2,767 | $ | - | $ | - | $ | - | $ | - | $ | 8,383
Collectively | $ | 253,438 | $ | 422,819 | $ | 126,058 | $ | 287,844 | $ | 563,428 | $ | 24,581 | $ | 1,678,168

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