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Loans (Tables) | 6 Months Ended
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Jun. 30, 2014
Loans [Abstract] |
Loan Portfolio |
|  | Principal |  | Net Deferred |  |  |  |
|  | Amount |  | Loan Costs |  |  |  |
|  | Outstanding |  | (Fees) |  |  | Loans, Net |
June 30, 2014 |  |  |  |  |  |  |  |
Commercial business | $ | 277,609 | $ | 76 |  | $ | 277,685 |
Commercial mortgage |  | 469,936 |  | (881 | ) |  | 469,055 |
Residential mortgage |  | 106,342 |  | (136 | ) |  | 106,206 |
Home equity |  | 363,243 |  | 6,335 |  |  | 369,578 |
Consumer indirect |  | 626,418 |  | 26,330 |  |  | 652,748 |
Other consumer |  | 21,205 |  | 187 |  |  | 21,392 |
Total | $ | 1,864,753 | $ | 31,911 |  |  | 1,896,664 |
Allowance for loan losses |  |  |  |  |  |  | (27,166 | )
Total loans, net |  |  |  |  |  | $ | 1,869,498 |
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
June 30, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business | $ | 2,005 | $ | - | $ | - | $ | 2,005 | $ | 3,589 | $ | 272,015 | $ | 277,609
Commercial mortgage |  | - |  | - |  | - |  | - |  | 2,734 |  | 467,202 |  | 469,936
Residential mortgage |  | 408 |  | - |  | - |  | 408 |  | 758 |  | 105,176 |  | 106,342
Home equity |  | 235 |  | 32 |  | - |  | 267 |  | 371 |  | 362,605 |  | 363,243
Consumer indirect |  | 1,590 |  | 324 |  | - |  | 1,914 |  | 1,427 |  | 623,077 |  | 626,418
Other consumer |  | 139 |  | 20 |  | 6 |  | 165 |  | 6 |  | 21,034 |  | 21,205
Total loans, gross | $ | 4,377 | $ | 376 | $ | 6 | $ | 4,759 | $ | 8,885 | $ | 1,851,109 | $ | 1,864,753
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 |
| Quarter-to-Date | Year-to-Date
|  |  | Pre- |  | Post- |  |  | Pre- |  | Post-
|  |  | Modification |  | Modification |  |  | Modification |  | Modification
|  |  | Outstanding |  | Outstanding |  |  | Outstanding |  | Outstanding
| Number of |  | Recorded |  | Recorded | Number of |  | Recorded |  | Recorded
| Contracts |  | Investment |  | Investment | Contracts |  | Investment |  | Investment
June 30, 2014 |  |  |  |  |  |  |  |  |  |
Commercial business | 1 | $ | 1,381 | $ | 1,381 | 1 | $ | 1,381 | $ | 1,381
Commercial mortgage | - |  | - |  | - | - |  | - |  | -
Total | 1 | $ | 1,381 | $ | 1,381 | 1 | $ | 1,381 | $ | 1,381
June 30, 2013 |  |  |  |  |  |  |  |  |  |
Commercial business | 1 | $ | 1,273 | $ | 1,273 | 3 | $ | 1,462 | $ | 1,453
Commercial mortgage | - |  | - |  | - | - |  | - |  | -
Total | 1 | $ | 1,273 | $ | 1,273 | 3 | $ | 1,462 | $ | 1,453
Summary Of Impaired Loans |
|  |  |  | Unpaid |  |  |  | Average |  | Interest
|  | Recorded |  | Principal |  | Related |  | Recorded |  | Income
|  | Investment(1) |  | Balance(1) |  | Allowance |  | Investment |  | Recognized
June 30, 2014 |  |  |  |  |  |  |  |  |  |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |
Commercial business | $ | 1,618 | $ | 2,146 | $ | - | $ | 1,823 | $ | -
Commercial mortgage |  | 1,142 |  | 1,173 |  | - |  | 1,093 |  | -
|  | 2,760 |  | 3,319 |  | - |  | 2,916 |  | -
With an allowance recorded: |  |  |  |  |  |  |  |  |  |
Commercial business |  | 1,971 |  | 1,982 |  | 1,056 |  | 1,837 |  | -
Commercial mortgage |  | 1,592 |  | 1,592 |  | 432 |  | 6,733 |  | -
|  | 3,563 |  | 3,574 |  | 1,488 |  | 8,570 |  | -
| $ | 6,323 | $ | 6,893 | $ | 1,488 | $ | 11,486 | $ | -
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
June 30, 2014 |  |  |  |
Uncriticized | $ | 260,164 | $ | 453,747
Special mention |  | 7,708 |  | 6,136
Substandard |  | 9,737 |  | 10,053
Doubtful |  | - |  | -
Total | $ | 277,609 | $ | 469,936
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
June 30, 2014 |  |  |  |  |  |  |  |
Performing | $ | 105,584 | $ | 362,872 | $ | 624,991 | $ | 21,193
Non-performing |  | 758 |  | 371 |  | 1,427 |  | 12
Total | $ | 106,342 | $ | 363,243 | $ | 626,418 | $ | 21,205
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
Loans And The Related Allowance For Loan Losses |
|  | Commercial |  | Commercial |  | Residential |  | Home |  | Consumer |  | Other |  |
|  | Business |  | Mortgage |  | Mortgage |  | Equity |  | Indirect |  | Consumer |  | Total
June 30, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance | $ | 277,609 | $ | 469,936 | $ | 106,342 | $ | 363,243 | $ | 626,418 | $ | 21,205 | $ | 1,864,753
Evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually | $ | 3,589 | $ | 2,734 | $ | - | $ | - | $ | - | $ | - | $ | 6,323
Collectively | $ | 274,020 | $ | 467,202 | $ | 106,342 | $ | 363,243 | $ | 626,418 | $ | 21,205 | $ | 1,858,430
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance | $ | 5,402 | $ | 7,633 | $ | 618 | $ | 1,607 | $ | 11,446 | $ | 460 | $ | 27,166
Evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually | $ | 1,056 | $ | 432 | $ | - | $ | - | $ | - | $ | - | $ | 1,488
Collectively | $ | 4,346 | $ | 7,201 | $ | 618 | $ | 1,607 | $ | 11,446 | $ | 460 | $ | 25,678
June 30, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance | $ | 257,784 | $ | 438,513 | $ | 117,939 | $ | 301,429 | $ | 572,350 | $ | 24,107 | $ | 1,712,122
Evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually | $ | 5,043 | $ | 3,073 | $ | - | $ | - | $ | - | $ | - | $ | 8,116
Collectively | $ | 252,741 | $ | 435,440 | $ | 117,939 | $ | 301,429 | $ | 572,350 | $ | 24,107 | $ | 1,704,006
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance | $ | 4,755 | $ | 7,125 | $ | 701 | $ | 1,424 | $ | 11,095 | $ | 490 | $ | 25,590
Evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually | $ | 956 | $ | 554 | $ | - | $ | - | $ | - | $ | - | $ | 1,510
Collectively | $ | 3,799 | $ | 6,571 | $ | 701 | $ | 1,424 | $ | 11,095 | $ | 490 | $ | 24,080
Changes In The Allowance For Loan Losses |
|  | Commercial |  | Commercial |  |  | Residential |  | Home |  | Consumer |  | Other |  |
|  | Business |  | Mortgage |  |  | Mortgage |  | Equity |  | Indirect |  | Consumer |  | Total
Three months ended June 30, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 4,689 | $ | 7,980 |  | $ | 672 | $ | 1,371 | $ | 11,984 | $ | 456 | $ | 27,152
Charge-offs |  | 3 |  | 165 |  |  | 69 |  | 156 |  | 2,331 |  | 224 |  | 2,948
Recoveries |  | 68 |  | 6 |  |  | 8 |  | 29 |  | 995 |  | 98 |  | 1,204
Provision (credit) |  | 648 |  | (188 | ) |  | 7 |  | 363 |  | 798 |  | 130 |  | 1,758
Ending balance | $ | 5,402 | $ | 7,633 |  | $ | 618 | $ | 1,607 | $ | 11,446 | $ | 460 | $ | 27,166
Six months ended June 30, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 4,273 | $ | 7,743 |  | $ | 676 | $ | 1,367 | $ | 12,230 | $ | 447 | $ | 26,736
Charge-offs |  | 71 |  | 165 |  |  | 147 |  | 262 |  | 4,786 |  | 493 |  | 5,924
Recoveries |  | 97 |  | 13 |  |  | 29 |  | 40 |  | 2,100 |  | 211 |  | 2,490
Provision |  | 1,103 |  | 42 |  |  | 60 |  | 462 |  | 1,902 |  | 295 |  | 3,864
Ending balance | $ | 5,402 | $ | 7,633 |  | $ | 618 | $ | 1,607 | $ | 11,446 | $ | 460 | $ | 27,166
|  | Commercial |  |  | Commercial |  | Residential |  | Home |  | Consumer |  | Other |  |
|  | Business |  |  | Mortgage |  | Mortgage |  | Equity |  | Indirect |  | Consumer |  | Total
Three months ended June 30, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 5,167 |  | $ | 6,971 | $ | 668 | $ | 1,283 | $ | 11,312 | $ | 426 | $ | 25,827
Charge-offs |  | 292 |  |  | 106 |  | 85 |  | 53 |  | 1,929 |  | 229 |  | 2,694
Recoveries |  | 205 |  |  | 143 |  | 13 |  | 73 |  | 759 |  | 71 |  | 1,264
Provision (credit) |  | (325 | ) |  | 117 |  | 105 |  | 121 |  | 953 |  | 222 |  | 1,193
Ending balance | $ | 4,755 |  | $ | 7,125 | $ | 701 | $ | 1,424 | $ | 11,095 | $ | 490 | $ | 25,590
Six months ended June 30, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 4,884 |  | $ | 6,581 | $ | 740 | $ | 1,282 | $ | 10,715 | $ | 512 | $ | 24,714
Charge-offs |  | 531 |  |  | 109 |  | 247 |  | 322 |  | 3,647 |  | 481 |  | 5,337
Recoveries |  | 242 |  |  | 157 |  | 30 |  | 110 |  | 1,564 |  | 208 |  | 2,311
Provision |  | 160 |  |  | 496 |  | 178 |  | 354 |  | 2,463 |  | 251 |  | 3,902
Ending balance | $ | 4,755 |  | $ | 7,125 | $ | 701 | $ | 1,424 | $ | 11,095 | $ | 490 | $ | 25,590

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- Definition Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -URI http://asc.fasb.org/extlink&oid=28368275&loc=SL6953423-111524 + Details
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- Definition Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 29 -URI http://asc.fasb.org/extlink&oid=28368275&loc=SL6953659-111524 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 55 -Paragraph 19 -URI http://asc.fasb.org/extlink&oid=32702940&loc=SL6953803-111525 + Details
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