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Loans (Tables)

9 Months Ended

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 September 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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