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Loans (Tables)

3 Months Ended

Mar. 31, 2014

Loans [Abstract]

		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