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Loans (Tables)
 6 Months Ended
Jun. 30, 2015
Loans [Abstract]  
Loan Portfolio
    Principal   Net Deferred        
    Amount   Loan Costs        
    Outstanding   (Fees)     Loans, Net  
June 30, 2015                
Commercial business $ 292,674 $ 117   $ 292,791  
Commercial mortgage   538,034   (1,444 )   536,590  
Residential mortgage   95,259   (97 )   95,162  
Home equity   391,645   7,209     398,854  
Consumer indirect   641,871   24,679     666,550  
Other consumer   19,141   185     19,326  
Total $ 1,978,624 $ 30,649     2,009,273  
Allowance for loan losses             (27,500 )
Total loans, net           $ 1,981,773  
 
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             
    Past Due   Past Due  Days   Due   Nonaccrual   Current   Total Loans
June 30, 2015                            
Commercial business $ 605 $ - $ -  $ 605 $ 4,643 $ 287,426 $ 292,674
Commercial mortgage   606   -   -   606   3,070   534,358   538,034
Residential mortgage   192   -   -   192   1,628   93,439   95,259
Home equity   454   78   -   532   619   390,494   391,645
Consumer indirect   1,708   364   -   2,072   728   639,071   641,871
Other consumer   86   52   9   147   11   18,983   19,141
Total loans, gross $ 3,651 $ 494 $ 9 $ 4,154 $ 10,699 $ 1,963,771 $ 1,978,624
 
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
        Quarter-to-Date         Year-to-Date    
       
        Pre-Modification   Post-Modification      Pre-Modification   Post-Modification 
        Outstanding   Outstanding     Outstanding   Outstanding
  Number of     Recorded   Recorded Number of   Recorded   Recorded
  Contracts     Investment   Investment Contracts   Investment   Investment
June 30, 2015                      
Commercial business 2 $   1,342 $ 1,342 2 $ 1,342 $ 1,342
Commercial mortgage -     -   - 1   682   330
Total 2 $   1,342 $ 1,342 3 $ 2,024 $ 1,672
 
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
Summary Of Impaired Loans
        Unpaid       Average   Interest
    Recorded   Principal   Related   Recorded   Income
    Investment(1)   Balance(1)   Allowance   Investment   Recognized
June 30, 2015                    
With no related allowance recorded:                    
Commercial business $ 1,348 $ 2,807 $ - $ 1,461 $ -
Commercial mortgage   1,159   1,708   -   1,171   -
    2,507   4,515   -   2,632   -
With an allowance recorded:                    
Commercial business   3,295   3,295   1,247   3,093   -
Commercial mortgage   1,911   1,911   707   2,121   -
    5,206   5,206   1,954   5,214   -
  $ 7,713 $ 9,721 $ 1,954 $ 7,846 $ -
 
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 $ -

 

(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, 2015        
Uncriticized $ 275,639 $ 523,226
Special mention   5,078   6,015
Substandard   11,957   8,793
Doubtful   -   -
Total $ 292,674 $ 538,034
 
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
June 30, 2015                
Performing $ 93,631 $ 391,026 $ 641,143 $ 19,121
Non-performing   1,628   619   728   20
Total $ 95,259 $ 391,645 $ 641,871 $ 19,141
 
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
June 30, 2015                            
Loans:                            
Ending balance $ 292,674 $ 538,034 $ 95,259 $ 391,645 $ 641,871 $ 19,141 $ 1,978,624
Evaluated for impairment:                            
Individually $ 4,643 $ 3,070 $ - $ - $ - $ - $ 7,713
Collectively $ 288,031 $ 534,964 $ 95,259 $ 391,645 $ 641,871 $ 19,141 $ 1,970,911
 
Allowance for loan losses:                            
Ending balance $ 5,334 $ 9,358 $ 465 $ 1,198 $ 10,676 $ 469 $ 27,500
Evaluated for impairment:                            
Individually $ 1,247 $ 707 $ - $ - $ - $ - $ 1,954
Collectively $ 4,087 $ 8,651 $ 465 $ 1,198 $ 10,676 $ 469 $ 25,546
 
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

 

    Commercial      Commercial    Residential      Home     Consumer   Other    
    Business     Mortgage   Mortgage     Equity     Indirect   Consumer   Total
 
Three months ended June 30, 2015                              
Beginning balance $ 5,395   $ 8,156 $ 558   $ 1,430   $ 11,205 $ 447 $ 27,191
Charge-offs   13     201   22     154     1,841   154   2,385
Recoveries   86     7   13     9     1,196   95   1,406
Provision (credit)   (134 )   1,396   (84 )   (87 )   116   81   1,288
Ending balance $ 5,334   $ 9,358 $ 465   $ 1,198   $ 10,676 $ 469 $ 27,500
 
 
Six months ended June 30, 2015                              
Beginning balance $ 5,621   $ 8,122 $ 570   $ 1,485   $ 11,383 $ 456 $ 27,637
Charge-offs   1,154     810   77     238     4,263   413   6,955
Recoveries   134     96   46     19     2,301   193   2,789
Provision   733     1,950   (74 )   (68 )   1,255   233   4,029
Ending balance $ 5,334   $ 9,358 $ 465   $ 1,198   $ 10,676 $ 469 $ 27,500

 

 

    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