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Loans (Tables)

3 Months Ended

Mar. 31, 2015

Loans [Abstract]

Loan Portfolio

		Principal		Net Deferred
		Amount		Loan Costs
		Outstanding		(Fees)			Loans, Net
March 31, 2015
Commercial business	$	277,427	$	37		$	277,464
Commercial mortgage		480,479		(1,253	)		479,226
Residential mortgage		97,850		(133	)		97,717
Home equity		380,070		6,891			386,961
Consumer indirect		637,380		24,833			662,213
Other consumer		19,184		189			19,373
Total	$	1,892,390	$	30,564			1,922,954
Allowance for loan losses							(27,191	)
Total loans, net						$	1,895,763
December 31, 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

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, 2015
Commercial business	$	801	$	-	$	-	$	801	$	4,587	$	272,039	$	277,427
Commercial mortgage		56		28		-		84		3,411		476,984		480,479
Residential mortgage		314		-		-		314		1,361		96,175		97,850
Home equity		577		100		-		677		672		378,721		380,070
Consumer indirect		1,164		161		-		1,325		994		635,061		637,380
Other consumer		73		26		8		107		39		19,038		19,184
Total loans, gross	$	2,985	$	315	$	8	$	3,308	$	11,064	$	1,878,018	$	1,892,390
December 31, 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

Information Related To Loans Modified In A TDR

			Pre-		Post-
			Modification		Modification
			Outstanding		Outstanding
	Number of		Recorded		Recorded
	Contracts		Investment		Investment
March 31, 2015
Commercial business	-	$	-	$	-
Commercial mortgage	1		682		330
Total	1	$	682	$	330
March 31, 2014
Commercial business	-	$	-	$	-
Commercial mortgage	-		-		-
Total	-	$	-	$	-

Summary Of Impaired Loans

				Unpaid				Average		Interest
		Recorded		Principal		Related		Recorded		Income
		Investment(1)		Balance(1)		Allowance		Investment		Recognized
March 31, 2015
With no related allowance recorded:
Commercial business	$	1,461	$	2,920	$	-	$	1,384	$	-
Commercial mortgage		1,209		1,909		-		880		-
		2,670		4,829		-		2,264		-
With an allowance recorded:
Commercial business		3,126		3,126		1,120		2,934		-
Commercial mortgage		2,202		2,202		817		2,214		-
		5,328		5,328		1,937		5,148		-
	$	7,998	$	10,157	$	1,937	$	7,412	$	-
December 31, 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	$	-

Commercial Loan Portfolio Categorized By Internally Assigned Asset Classification

		Commercial		Commercial
		Business		Mortgage
March 31, 2015
Uncriticized	$	261,447	$	465,383
Special mention		5,226		5,598
Substandard		10,754		9,498
Doubtful		-		-
Total	$	277,427	$	480,479
December 31, 2014
Uncriticized	$	250,961	$	460,880
Special mention		5,530		5,411
Substandard		10,886		10,116
Doubtful		-		-
Total	$	267,377	$	476,407

Retail Loan Portfolio Categorized By Payment Status

		Residential		Home		Consumer		Other
		Mortgage		Equity		Indirect		Consumer
March 31, 2015
Performing	$	96,489	$	379,398	$	636,386	$	19,137
Non-performing		1,361		672		994		47
Total	$	97,850	$	380,070	$	637,380	$	19,184
December 31, 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

Changes In The Allowance For Loan Losses

		Commercial		Commercial		Residential		Home		Consumer		Other
		Business		Mortgage		Mortgage		Equity		Indirect		Consumer		Total
March 31, 2015
Allowance for loan losses:
Beginning balance	$	5,621	$	8,122	$	570	$	1,485	$	11,383	$	456	$	27,637
Charge-offs		1,141		609		55		84		2,422		259		4,570
Recoveries		48		89		33		10		1,105		98		1,383
Provision		867		554		10		19		1,139		152		2,741
Ending balance	$	5,395	$	8,156	$	558	$	1,430	$	11,205	$	447	$	27,191
Evaluated for impairment:
Individually	$	1,120	$	817	$	-	$	-	$	-	$	-	$	1,937
Collectively	$	4,275	$	7,339	$	558	$	1,430	$	11,205	$	447	$	25,254
Loans:
Ending balance	$	277,427	$	480,479	$	97,850	$	380,070	$	637,380	$	19,184	$	1,892,390
Evaluated for impairment:
Individually	$	4,587	$	3,411	$	-	$	-	$	-	$	-	$	7,998
Collectively	$	272,840	$	477,068	$	97,850	$	380,070	$	637,380	$	19,184	$	1,884,392
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

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