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Loans (Tables) | 9 Months Ended
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Sep. 30, 2015
Loans [Abstract] |
Loan Portfolio |
|  | Principal |  | Net Deferred |  |  |  |
|  | Amount |  | Loan Costs |  |  |  |
|  | Outstanding |  | (Fees) |  |  | Loans, Net |
September 30, 2015 |  |  |  |  |  |  |  |
Commercial business | $ | 297,640 | $ | 236 |  | $ | 297,876 |
Commercial mortgage |  | 549,911 |  | (1,382 | ) |  | 548,529 |
Residential mortgage |  | 96,298 |  | (19 | ) |  | 96,279 |
Home equity |  | 401,103 |  | 7,531 |  |  | 408,634 |
Consumer indirect |  | 641,453 |  | 24,261 |  |  | 665,714 |
Other consumer |  | 19,020 |  | 184 |  |  | 19,204 |
Total | $ | 2,005,425 | $ | 30,811 |  |  | 2,036,236 |
Allowance for loan losses |  |  |  |  |  |  | (26,455 | )
Total loans, net |  |  |  |  |  | $ | 2,009,781 |
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
September 30, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business | $ | 657 | $ | - | $ | - | $ | 657 | $ | 3,064 | $ | 293,919 | $ | 297,640
Commercial mortgage |  | 383 |  | 9 |  | - |  | 392 |  | 1,802 |  | 547,717 |  | 549,911
Residential mortgage |  | 99 |  | - |  | - |  | 99 |  | 1,523 |  | 94,676 |  | 96,298
Home equity |  | 709 |  | 122 |  | - |  | 831 |  | 792 |  | 399,480 |  | 401,103
Consumer indirect |  | 1,710 |  | 338 |  | - |  | 2,048 |  | 1,292 |  | 638,113 |  | 641,453
Other consumer |  | 100 |  | 62 |  | 8 |  | 170 |  | 12 |  | 18,838 |  | 19,020
Total loans, gross | $ | 3,658 | $ | 531 | $ | 8 | $ | 4,197 | $ | 8,485 | $ | 1,992,743 | $ | 2,005,425
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- |  | 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
September 30, 2015 |  |  |  |  |  |  |  |  |  |  |
Commercial business | - | $ | - | $ | - |  | 2 | $ | 1,342 | $ | 1,342
Commercial mortgage | - |  | - |  | - |  | 1 |  | 682 |  | 330
Total | - | $ | - | $ | - |  | 3 | $ | 2,024 | $ | 1,672
September 30, 2014 |  |  |  |  |  |  |  |  |  |  |
Commercial business | - | $ | - | $ | - |  | 1 | $ | 1,381 | $ | 1,381
Commercial mortgage | - |  | - |  | - |  | - |  | - |  | -
Total | - | $ | - | $ | - |  | 1 | $ | 1,381 | $ | 1,381
Summary Of Impaired Loans |
|  |  |  | Unpaid |  |  |  | Average |  | Interest
|  | Recorded |  | Principal |  | Related |  | Recorded |  | Income
|  | Investment(1) |  | Balance(1) |  | Allowance |  | Investment |  | Recognized
September 30, 2015 |  |  |  |  |  |  |  |  |  |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |
Commercial business | $ | 1,291 | $ | 2,750 | $ | - | $ | 1,314 | $ | -
Commercial mortgage |  | 912 |  | 1,260 |  | - |  | 1,077 |  | -
|  | 2,203 |  | 4,010 |  | - |  | 2,391 |  | -
With an allowance recorded: |  |  |  |  |  |  |  |  |  |
Commercial business |  | 1,773 |  | 1,773 |  | 806 |  | 2,152 |  | -
Commercial mortgage |  | 890 |  | 890 |  | 278 |  | 1,147 |  | -
|  | 2,663 |  | 2,663 |  | 1,084 |  | 3,299 |  | -
| $ | 4,866 | $ | 6,673 | $ | 1,084 | $ | 5,690 | $ | -
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
September 30, 2015 |  |  |  |
Uncriticized | $ | 282,900 | $ | 532,892
Special mention |  | 4,763 |  | 9,247
Substandard |  | 9,977 |  | 7,772
Doubtful |  | - |  | -
Total | $ | 297,640 | $ | 549,911
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
September 30, 2015 |  |  |  |  |  |  |  |
Performing | $ | 94,775 | $ | 400,311 | $ | 640,161 | $ | 19,000
Non-performing |  | 1,523 |  | 792 |  | 1,292 |  | 20
Total | $ | 96,298 | $ | 401,103 | $ | 641,453 | $ | 19,020
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
September 30, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance | $ | 297,640 | $ | 549,911 | $ | 96,298 | $ | 401,103 | $ | 641,453 | $ | 19,020 | $ | 2,005,425
Evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually | $ | 3,064 | $ | 1,802 | $ | - | $ | - | $ | - | $ | - | $ | 4,866
Collectively | $ | 294,576 | $ | 548,109 | $ | 96,298 | $ | 401,103 | $ | 641,453 | $ | 19,020 | $ | 2,000,559
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance | $ | 5,281 | $ | 8,888 | $ | 456 | $ | 1,177 | $ | 10,264 | $ | 389 | $ | 26,455
Evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually | $ | 806 | $ | 278 | $ | - | $ | - | $ | - | $ | - | $ | 1,084
Collectively | $ | 4,475 | $ | 8,610 | $ | 456 | $ | 1,177 | $ | 10,264 | $ | 389 | $ | 25,371
September 30, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance | $ | 275,027 | $ | 470,566 | $ | 103,183 | $ | 376,062 | $ | 630,441 | $ | 21,096 | $ | 1,876,375
Evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually | $ | 3,258 | $ | 2,460 | $ | - | $ | - | $ | - | $ | - | $ | 5,718
Collectively | $ | 271,769 | $ | 468,106 | $ | 103,183 | $ | 376,062 | $ | 630,441 | $ | 21,096 | $ | 1,870,657
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance | $ | 5,758 | $ | 7,488 | $ | 592 | $ | 1,658 | $ | 11,292 | $ | 456 | $ | 27,244
Evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually | $ | 1,331 | $ | 269 | $ | - | $ | - | $ | - | $ | - | $ | 1,600
Collectively | $ | 4,427 | $ | 7,219 | $ | 592 | $ | 1,658 | $ | 11,292 | $ | 456 | $ | 25,644
|  | Commercial |  | Commercial |  |  | Residential |  |  | Home |  |  | Consumer |  | Other |  |
|  | Business |  | Mortgage |  |  | Mortgage |  |  | Equity |  |  | Indirect |  | Consumer |  | Total
Three months ended September 30, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 5,334 | $ | 9,358 |  | $ | 465 |  | $ | 1,198 |  | $ | 10,676 | $ | 469 | $ | 27,500
Charge-offs |  | 106 |  | 56 |  |  | 37 |  |  | 98 |  |  | 2,380 |  | 239 |  | 2,916
Recoveries |  | 38 |  | 44 |  |  | 34 |  |  | 34 |  |  | 905 |  | 62 |  | 1,117
Provision (credit) |  | 15 |  | (458 | ) |  | (6 | ) |  | 43 |  |  | 1,063 |  | 97 |  | 754
Ending balance | $ | 5,281 | $ | 8,888 |  | $ | 456 |  | $ | 1,177 |  | $ | 10,264 | $ | 389 | $ | 26,455
Nine months ended Septembe r 30, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 5,621 | $ | 8,122 |  | $ | 570 |  | $ | 1,485 |  | $ | 11,383 | $ | 456 | $ | 27,637
Charge-offs |  | 1,260 |  | 866 |  |  | 114 |  |  | 336 |  |  | 6,643 |  | 652 |  | 9,871
Recoveries |  | 172 |  | 140 |  |  | 80 |  |  | 53 |  |  | 3,206 |  | 255 |  | 3,906
Provision |  | 748 |  | 1,492 |  |  | (80 | ) |  | (25 | ) |  | 2,318 |  | 330 |  | 4,783
Ending balance | $ | 5,281 | $ | 8,888 |  | $ | 456 |  | $ | 1,177 |  | $ | 10,264 | $ | 389 | $ | 26,455
|  | Commercial |  | Commercial |  |  | Residential |  |  | Home |  | Consumer |  | Other |  |
|  | Business |  | Mortgage |  |  | Mortgage |  |  | Equity |  | Indirect |  | Consumer |  | Total
Three months ended September 30, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 5,402 | $ | 7,633 |  | $ | 618 |  | $ | 1,607 | $ | 11,446 | $ | 460 | $ | 27,166
Charge-offs |  | 105 |  | 111 |  |  | 16 |  |  | 73 |  | 2,606 |  | 272 |  | 3,183
Recoveries |  | 61 |  | 45 |  |  | 5 |  |  | 7 |  | 1,029 |  | 99 |  | 1,246
Provision (credit) |  | 400 |  | (79 | ) |  | (15 | ) |  | 117 |  | 1,423 |  | 169 |  | 2,015
Ending balance | $ | 5,758 | $ | 7,488 |  | $ | 592 |  | $ | 1,658 | $ | 11,292 | $ | 456 | $ | 27,244
Nine months ended September 30, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 4,273 | $ | 7,743 |  | $ | 676 |  | $ | 1,367 | $ | 12,230 | $ | 447 | $ | 26,736
Charge-offs |  | 176 |  | 276 |  |  | 163 |  |  | 335 |  | 7,392 |  | 765 |  | 9,107
Recoveries |  | 158 |  | 58 |  |  | 34 |  |  | 47 |  | 3,129 |  | 310 |  | 3,736
Provision (credit) |  | 1,503 |  | (37 | ) |  | 45 |  |  | 579 |  | 3,325 |  | 464 |  | 5,879
Ending balance | $ | 5,758 | $ | 7,488 |  | $ | 592 |  | $ | 1,658 | $ | 11,292 | $ | 456 | $ | 27,244

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