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Loans (Tables)

6 Months Ended

Jun. 30, 2016

Loans [Abstract]

Loan Portfolio

		Principal		Net Deferred
		Amount		Loan (Fees)
		Outstanding		Costs			Loans, Net
June 30, 2016
Commercial business	$	349,076	$	356		$	349,432
Commercial mortgage		615,547		(1,406	)		614,141
Residential real estate loans		402,538		5,829			408,367
Residential real estate lines		122,360		2,694			125,054
Consumer indirect		672,018		24,890			696,908
Other consumer		17,752		177			17,929
Total	$	2,179,291	$	32,540			2,211,831
Allowance for loan losses							(28,525	)
Total loans, net						$	2,183,306
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
June 30, 2016
Commercial business	$	46	$	-	$	-	$	46	$	2,312	$	346,718	$	349,076
Commercial mortgage		-		-		-		-		1,547		614,000		615,547
Residential real estate loans		562		52		-		614		1,485		400,439		402,538
Residential real estate lines		315		-		-		315		182		121,863		122,360
Consumer indirect		1,221		233		-		1,454		1,015		669,549		672,018
Other consumer		99		25		11		135		4		17,613		17,752
Total loans, gross	$	2,243	$	310	$	11	$	2,564	$	6,545	$	2,170,182	$	2,179,291
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

	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
June 30, 2016
Commercial business	1	$		214	$	214	3	$	526	$	526
Commercial mortgage	-			-		-	1		550		550
Total	1	$		214	$	214	4	$	1,076	$	1,076
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

Summary Of Impaired Loans

				Unpaid				Average		Interest
		Recorded		Principal		Related		Recorded		Income
		Investment(1)		Balance(1)		Allowance		Investment		Recognized
June 30, 2016
With no related allowance recorded:
Commercial business	$	1,209	$	1,752	$	-	$	1,678	$	-
Commercial mortgage		777		986		-		1,114		-
		1,986		2,738		-		2,792		-
With an allowance recorded:
Commercial business		1,103		1,103		476		1,323		-
Commercial mortgage		770		900		131		510		-
		1,873		2,003		607		1,833		-
	$	3,859	$	4,741	$	607	$	4,625	$	-
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
June 30, 2016
Uncriticized	$	333,564	$	594,576
Special mention		8,796		15,098
Substandard		6,716		5,873
Doubtful		-		-
Total	$	349,076	$	615,547
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
June 30, 2016
Performing	$	401,053	$	122,178	$	671,003	$	17,737
Non-performing		1,485		182		1,015		15
Total	$	402,538	$	122,360	$	672,018	$	17,752
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
June 30, 2016
Loans:
Ending balance	$	349,076	$	615,547	$	402,538	$	122,360	$	672,018	$	17,752	$	2,179,291
Evaluated for impairment:
Individually	$	2,281	$	1,532	$	-	$	-	$	-	$	-	$	3,813
Collectively	$	346,795	$	614,015	$	402,538	$	122,360	$	672,018	$	17,752	$	2,175,478
Allowance for loan losses:
Ending balance	$	6,197	$	9,496	$	1,444	$	318	$	10,696	$	374	$	28,525
Evaluated for impairment:
Individually	$	466	$	129	$	-	$	-	$	-	$	-	$	595
Collectively	$	5,731	$	9,367	$	1,444	$	318	$	10,696	$	374	$	27,930
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

								Residential			Residential
		Commercial			Commercial			Real Estate			Real Estate			Consumer			Other
		Business			Mortgage			Loans			Lines			Indirect			Consumer			Total
Three months ended June 30, 2016
Beginning balance	$	5,436		$	9,715		$	1,384		$	345		$	10,297		$	391		$	27,568
Charge-offs		(42	)		(8	)		(134	)		(47	)		(1,898	)		(119	)		(2,248	)
Recoveries		69			6			100			3			994			81			1,253
Provision (credit)		734			(217	)		94			17			1,303			21			1,952
Ending balance	$	6,197		$	9,496		$	1,444		$	318		$	10,696		$	374		$	28,525
Six months ended June 30, 2016
Beginning balance	$	5,540		$	9,027		$	1,347		$	345		$	10,458		$	368		$	27,085
Charge-offs		(644	)		(12	)		(180	)		(51	)		(4,396	)		(276	)		(5,559	)
Recoveries		169			11			125			7			2,164			203			2,679
Provision		1,132			470			152			17			2,470			79			4,320
Ending balance	$	6,197		$	9,496		$	1,444		$	318		$	10,696		$	374		$	28,525

								Residential			Residential
		Commercial			Commercial			Real Estate			Real Estate			Consumer			Other
		Business			Mortgage			Loans			Lines			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

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