XML 114 R34.htm IDEA: XBRL DOCUMENT
v2.4.1.9

Loans (Tables) | 12 Months Ended
--- | ---
Dec. 31, 2014
Loans [Abstract] |
Loan Portfolio |
|  | Principal |  | Net Deferred |  |  |  |
|  | Amount |  | Loan (Fees) |  |  |  |
|  | Outstanding |  | Costs |  |  | Loans, Net |
2014 |  |  |  |  |  |  |  |
Commercial business | $ | 267,377 | $ | 32 |  | $ | 267,409 |
Commercial mortgage |  | 476,407 |  | (1,315 | ) |  | 475,092 |
Residential mortgage |  | 100,241 |  | (140 | ) |  | 100,101 |
Home equity |  | 379,774 |  | 6,841 |  |  | 386,615 |
Consumer indirect |  | 636,357 |  | 25,316 |  |  | 661,673 |
Other consumer |  | 20,915 |  | 197 |  |  | 21,112 |
Total | $ | 1,881,071 | $ | 30,931 |  |  | 1,912,002 |
Allowance for loan losses |  |  |  |  |  |  | (27,637 | )
Total loans, net |  |  |  |  |  | $ | 1,884,365 |
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
2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business | $ | 28 | $ | - | $ | - | $ | 28 | $ | 4,288 | $ | 263,061 | $ | 267,377
Commercial mortgage |  | 83 |  | - |  | - |  | 83 |  | 3,020 |  | 473,304 |  | 476,407
Residential mortgage |  | 321 |  | - |  | - |  | 321 |  | 1,194 |  | 98,726 |  | 100,241
Home equity |  | 799 |  | 67 |  | - |  | 866 |  | 463 |  | 378,445 |  | 379,774
Consumer indirect |  | 2,429 |  | 402 |  | - |  | 2,831 |  | 1,169 |  | 632,357 |  | 636,357
Other consumer |  | 148 |  | 48 |  | 8 |  | 204 |  | 11 |  | 20,700 |  | 20,915
Total loans, gross | $ | 3,808 | $ | 517 | $ | 8 | $ | 4,333 | $ | 10,145 | $ | 1,866,593 | $ | 1,881,071
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
2014 |  |  |  |  |
Commercial business | 1 | $ | 1,381 | $ | 1,381
Commercial mortgage | - |  | - |  | -
Total | 1 | $ | 1,381 | $ | 1,381
2013 |  |  |  |  |
Commercial business | 4 | $ | 1,465 | $ | 1,456
Commercial mortgage | 2 |  | 7,335 |  | 6,935
Total | 6 | $ | 8,800 | $ | 8,391
Summary Of Impaired Loans |
|  |  |  | Unpaid |  |  |  | Average |  | Interest
|  | Recorded |  | Principal |  | Related |  | Recorded |  | Income
|  | Investment(1) |  | Balance(1) |  | Allowance |  | Investment |  | Recognized
2014 |  |  |  |  |  |  |  |  |  |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |
Commercial business | $ | 1,408 | $ | 1,741 | $ | - | $ | 1,431 | $ | -
Commercial mortgage |  | 781 |  | 920 |  | - |  | 1,014 |  | -
|  | 2,189 |  | 2,661 |  | - |  | 2,445 |  | -
With an allowance recorded: |  |  |  |  |  |  |  |  |  |
Commercial business |  | 2,880 |  | 2,880 |  | 1,556 |  | 1,998 |  | -
Commercial mortgage |  | 2,239 |  | 2,239 |  | 911 |  | 1,560 |  | -
|  | 5,119 |  | 5,119 |  | 2,467 |  | 3,558 |  | -
| $ | 7,308 | $ | 7,780 | $ | 2,467 | $ | 6,003 | $ | -
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
2014 |  |  |  |
Uncriticized | $ | 250,961 | $ | 460,880
Special mention |  | 5,530 |  | 5,411
Substandard |  | 10,886 |  | 10,116
Doubtful |  | - |  | -
Total | $ | 267,377 | $ | 476,407
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
2014 |  |  |  |  |  |  |  |
Performing | $ | 99,047 | $ | 379,311 | $ | 635,188 | $ | 20,896
Non-performing |  | 1,194 |  | 463 |  | 1,169 |  | 19
Total | $ | 100,241 | $ | 379,774 | $ | 636,357 | $ | 20,915
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 |
2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 4,273 |  | $ | 7,743 |  | $ | 676 |  | $ | 1,367 |  | $ | 12,230 |  | $ | 447 |  | $ | 26,736 |
Charge-offs |  | (204 | ) |  | (304 | ) |  | (190 | ) |  | (340 | ) |  | (10,004 | ) |  | (972 | ) |  | (12,014 | )
Recoveries |  | 201 |  |  | 143 |  |  | 39 |  |  | 56 |  |  | 4,321 |  |  | 366 |  |  | 5,126 |
Provision |  | 1,351 |  |  | 540 |  |  | 45 |  |  | 402 |  |  | 4,836 |  |  | 615 |  |  | 7,789 |
Ending balance | $ | 5,621 |  | $ | 8,122 |  | $ | 570 |  | $ | 1,485 |  | $ | 11,383 |  | $ | 456 |  | $ | 27,637 |
Evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually | $ | 1,556 |  | $ | 911 |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | 2,467 |
Collectively | $ | 4,065 |  | $ | 7,211 |  | $ | 570 |  | $ | 1,485 |  | $ | 11,383 |  | $ | 456 |  | $ | 25,170 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance | $ | 267,377 |  | $ | 476,407 |  | $ | 100,241 |  | $ | 379,774 |  | $ | 636,357 |  | $ | 20,915 |  | $ | 1,881,071 |
Evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually | $ | 4,288 |  | $ | 3,020 |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | 7,308 |
Collectively | $ | 263,089 |  | $ | 473,387 |  | $ | 100,241 |  | $ | 379,774 |  | $ | 636,357 |  | $ | 20,915 |  | $ | 1,873,763 |
2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 4,884 |  | $ | 6,581 |  | $ | 740 |  | $ | 1,282 |  | $ | 10,715 |  | $ | 512 |  | $ | 24,714 |
Charge-offs |  | (1,070 | ) |  | (553 | ) |  | (411 | ) |  | (391 | ) |  | (8,125 | ) |  | (928 | ) |  | (11,478 | )
Recoveries |  | 349 |  |  | 319 |  |  | 54 |  |  | 157 |  |  | 3,161 |  |  | 381 |  |  | 4,421 |
Provision |  | 110 |  |  | 1,396 |  |  | 293 |  |  | 319 |  |  | 6,479 |  |  | 482 |  |  | 9,079 |
Ending balance | $ | 4,273 |  | $ | 7,743 |  | $ | 676 |  | $ | 1,367 |  | $ | 12,230 |  | $ | 447 |  | $ | 26,736 |
Evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually | $ | 201 |  | $ | 1,057 |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | 1,258 |
Collectively | $ | 4,072 |  | $ | 6,686 |  | $ | 676 |  | $ | 1,367 |  | $ | 12,230 |  | $ | 447 |  | $ | 25,478 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance | $ | 265,751 |  | $ | 470,312 |  | $ | 113,101 |  | $ | 320,658 |  | $ | 609,390 |  | $ | 22,893 |  | $ | 1,802,105 |
Evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually | $ | 3,474 |  | $ | 9,663 |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | 13,137 |
Collectively | $ | 262,277 |  | $ | 460,649 |  | $ | 113,101 |  | $ | 320,658 |  | $ | 609,390 |  | $ | 22,893 |  | $ | 1,788,968 |
|  | Commercial |  |  | Commercial |  |  | Residential |  |  | Home |  |  | Consumer |  |  | Other |  |  |  |
|  | Business |  |  | Mortgage |  |  | Mortgage |  |  | Equity |  |  | Indirect |  |  | Consumer |  |  | Total |
2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 4,036 |  | $ | 6,418 |  | $ | 858 |  | $ | 1,242 |  | $ | 10,189 |  | $ | 517 |  | $ | 23,260 |
Charge-offs |  | (729 | ) |  | (745 | ) |  | (326 | ) |  | (305 | ) |  | (6,589 | ) |  | (874 | ) |  | (9,568 | )
Recoveries |  | 336 |  |  | 261 |  |  | 130 |  |  | 44 |  |  | 2,769 |  |  | 354 |  |  | 3,894 |
Provision |  | 1,241 |  |  | 647 |  |  | 78 |  |  | 301 |  |  | 4,346 |  |  | 515 |  |  | 7,128 |
Ending balance | $ | 4,884 |  | $ | 6,581 |  | $ | 740 |  | $ | 1,282 |  | $ | 10,715 |  | $ | 512 |  | $ | 24,714 |
Evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually | $ | 664 |  | $ | 310 |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | 974 |
Collectively | $ | 4,220 |  | $ | 6,271 |  | $ | 740 |  | $ | 1,282 |  | $ | 10,715 |  | $ | 512 |  | $ | 23,740 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance | $ | 258,706 |  | $ | 414,282 |  | $ | 133,341 |  | $ | 282,503 |  | $ | 559,964 |  | $ | 26,657 |  | $ | 1,675,453 |
Evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually | $ | 3,413 |  | $ | 1,799 |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | 5,212 |
Collectively | $ | 255,293 |  | $ | 412,483 |  | $ | 133,341 |  | $ | 282,503 |  | $ | 559,964 |  | $ | 26,657 |  | $ | 1,670,241 |

X
- Definition Retail Loan Portfolio Categorized By Payment Status [Table Text Block] + References No definition available. + Details
Name: | fisi_RetailLoanPortfolioCategorizedByPaymentStatusTableTextBlock
Namespace Prefix: | fisi_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- 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
Name: | us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- 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
Name: | us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of impaired financing receivables. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 15 -URI http://asc.fasb.org/extlink&oid=28368275&loc=d3e5212-111524 + Details
Name: | us-gaap_ImpairedFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Details
Name: | us-gaap_LoansAndLeasesReceivableDisclosureAbstract
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivables that are past due but not impaired, financing receivables that are 90 days past due and still accruing, and financing receivables on nonaccrual status. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7 -URI http://asc.fasb.org/extlink&oid=28368275&loc=d3e5111-111524 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7A -URI http://asc.fasb.org/extlink&oid=28368275&loc=SL6953401-111524 + Details
Name: | us-gaap_PastDueFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 210 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02.3,4) -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Regulation S-X (SX) -Number 210 -Section 02 -Paragraph 3, 4 -Article 5 + Details
Name: | us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivables and troubled debt restructurings. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 34 -URI http://asc.fasb.org/extlink&oid=28368275&loc=SL6953682-111524 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 33 -URI http://asc.fasb.org/extlink&oid=28368275&loc=SL6953676-111524 + Details
Name: | us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration