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Loans (Tables)

6 Months Ended

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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