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Loans (Tables)

3 Months Ended

Mar. 31, 2016

Loans [Abstract]

Loan Portfolio

		Principal		Net Deferred
		Amount		Loan (Fees)
		Outstanding		Costs			Loans, Net
March 31, 2016
Commercial business	$	317,420	$	356		$	317,776
Commercial mortgage		591,800		(1,484	)		590,316
Residential real estate loans		377,406		5,098			382,504
Residential real estate lines		123,894		2,632			126,526
Consumer indirect		655,348		24,498			679,846
Other consumer		17,889		177			18,066
Total	$	2,083,757	$	31,277			2,115,034
Allowance for loan losses							(27,568	)
Total loans, net						$	2,087,466
December 31, 2015
Commercial business	$	313,475	$	283		$	313,758
Commercial mortgage		567,481		(1,380	)		566,101
Residential real estate loans		376,023		5,051			381,074
Residential real estate lines		124,766		2,581			127,347
Consumer indirect		652,494		24,446			676,940
Other consumer		18,361		181			18,542
Total	$	2,052,600	$	31,162			2,083,762
Allowance for loan losses							(27,085	)
Total loans, net						$	2,056,677

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
March 31, 2016
Commercial business	$	94	$	2	$	-	$	96	$	4,056	$	313,268	$	317,420
Commercial mortgage		53		-		-		53		1,781		589,966		591,800
Residential real estate loans		515		22		-		537		1,601		375,268		377,406
Residential real estate lines		151		43		-		194		165		123,535		123,894
Consumer indirect		1,296		267		-		1,563		943		652,842		655,348
Other consumer		52		17		9		78		12		17,799		17,889
Total loans, gross	$	2,161	$	351	$	9	$	2,521	$	8,558	$	2,072,678	$	2,083,757
December 31, 2015
Commercial business	$	321	$	612	$	-	$	933	$	3,922	$	308,620	$	313,475
Commercial mortgage		68		146		-		214		947		566,320		567,481
Residential real estate loans		723		395		-		1,118		1,848		373,057		376,023
Residential real estate lines		199		34		-		233		235		124,298		124,766
Consumer indirect		1,975		286		-		2,261		1,467		648,766		652,494
Other consumer		98		13		8		119		13		18,229		18,361
Total loans, gross	$	3,384	$	1,486	$	8	$	4,878	$	8,432	$	2,039,290	$	2,052,600

Information Related To Loans Modified In A TDR

			Pre-		Post-
			Modification		Modification
			Outstanding		Outstanding
	Number of		Recorded		Recorded
	Contracts		Investment		Investment
March 31, 2016
Commercial business	2	$	312	$	312
Commercial mortgage	1		550		550
Total	3	$	862	$	862
March 31, 2015
Commercial business	-	$	-	$	-
Commercial mortgage	1		682		330
Total	1	$	682	$	330

Summary Of Impaired Loans

				Unpaid				Average		Interest
		Recorded		Principal		Related		Recorded		Income
		Investment(1)		Balance(1)		Allowance		Investment		Recognized
March 31, 2016
With no related allowance recorded:
Commercial business	$	2,130	$	2,710	$	-	$	1,516	$	-
Commercial mortgage		1,349		1,697		-		1,018		-
		3,479		4,407		-		2,534		-
With an allowance recorded:
Commercial business		1,926		1,926		825		2,339		-
Commercial mortgage		432		432		127		114		-
		2,358		2,358		952		2,453		-
	$	5,837	$	6,765	$	952	$	4,987	$	-
December 31, 2015
With no related allowance recorded:
Commercial business	$	1,441	$	1,810	$	-	$	1,352	$	-
Commercial mortgage		937		1,285		-		1,013		-
		2,378		3,095		-		2,365		-
With an allowance recorded:
Commercial business		2,481		2,481		996		1,946		-
Commercial mortgage		10		10		10		449		-
		2,491		2,491		1,006		2,395		-
	$	4,869	$	5,586	$	1,006	$	4,760	$	-

(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
March 31, 2016
Uncriticized	$	303,114	$	576,742
Special mention		5,643		8,580
Substandard		8,663		6,478
Doubtful		-		-
Total	$	317,420	$	591,800
December 31, 2015
Uncriticized	$	298,413	$	551,603
Special mention		4,916		9,015
Substandard		10,146		6,863
Doubtful		-		-
Total	$	313,475	$	567,481

Retail Loan Portfolio Categorized By Payment Status

		Residential		Residential
		Real Estate		Real Estate		Consumer		Other
		Loans		Lines		Indirect		Consumer
March 31, 2016
Performing	$	375,805	$	123,729	$	654,405	$	17,868
Non-performing		1,601		165		943		21
Total	$	377,406	$	123,894	$	655,348	$	17,889
December 31, 2015
Performing	$	374,175	$	124,531	$	651,027	$	18,340
Non-performing		1,848		235		1,467		21
Total	$	376,023	$	124,766	$	652,494	$	18,361

Changes In The Allowance For Loan Losses

						Residential		Residential
		Commercial		Commercial		Real Estate		Real Estate			Consumer		Other
		Business		Mortgage		Loans		Lines			Indirect		Consumer		Total
March 31, 2016
Allowance for loan losses:
Beginning balance	$	5,540	$	9,027	$	1,347	$	345		$	10,458	$	368	$	27,085
Charge-offs		602		4		46		4			2,498		157		3,311
Recoveries		100		5		25		4			1,170		122		1,426
Provision		398		687		58		-			1,167		58		2,368
Ending balance	$	5,436	$	9,715	$	1,384	$	345		$	10,297	$	391	$	27,568
Evaluated for impairment:
Individually	$	791	$	120	$	-	$	-		$	-	$	-	$	911
Collectively	$	4,645	$	9,595	$	1,384	$	345		$	10,297	$	391	$	26,657
Loans:
Ending balance	$	317,420	$	591,800	$	377,406	$	123,894		$	655,348	$	17,889	$	2,083,757
Evaluated for impairment:
Individually	$	3,924	$	1,730	$	-	$	-		$	-	$	-	$	5,654
Collectively	$	313,496	$	590,070	$	377,406	$	123,894		$	655,348	$	17,889	$	2,078,103
March 31, 2015
Allowance for loan losses:
Beginning balance	$	5,621	$	8,122	$	1,620	$	435		$	11,383	$	456	$	27,637
Charge-offs		1,141		609		139		-			2,422		259		4,570
Recoveries		48		89		41		2			1,105		98		1,383
Provision (credit)		867		554		64		(35	)		1,139		152		2,741
Ending balance	$	5,395	$	8,156	$	1,586	$	402		$	11,205	$	447	$	27,191
Evaluated for impairment:
Individually	$	1,120	$	817	$	-	$	-		$	-	$	-	$	1,937
Collectively	$	4,275	$	7,339	$	1,586	$	402		$	11,205	$	447	$	25,254
Loans:
Ending balance	$	277,427	$	480,479	$	351,088	$	126,832		$	637,380	$	19,184	$	1,892,390
Evaluated for impairment:
Individually	$	4,587	$	3,411	$	-	$	-		$	-	$	-	$	7,998
Collectively	$	272,840	$	477,068	$	351,088	$	126,832		$	637,380	$	19,184	$	1,884,392

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