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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

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