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Loans (Tables)

9 Months Ended

Sep. 30, 2016

Loans [Abstract]

Loan Portfolio

		Principal			Net Deferred
		Amount			Loan (Fees)
		Outstanding			Costs				Loans, Net
September 30, 2016
Commercial business	$	350,181		$	407			$	350,588
Commercial mortgage		637,799			(1,461	)			636,338
Residential real estate loans		419,547			6,335				425,882
Residential real estate lines		120,901			2,762				123,663
Consumer indirect		703,499			26,145				729,644
Other consumer		17,700			179				17,879
Total	$	2,249,627		$	34,367				2,283,994
Allowance for loan losses									(29,350	)
Total loans, net								$	2,254,644
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
September 30, 2016
Commercial business	$	659		$	-		$	-		$	659		$	2,157		$	347,365		$	350,181
Commercial mortgage		1,105			-			-			1,105			1,345			635,349			637,799
Residential real estate loans		846			-			-			846			1,239			417,462			419,547
Residential real estate lines		122			23			-			145			274			120,482			120,901
Consumer indirect		1,596			311			-			1,907			1,077			700,515			703,499
Other consumer		106			31			8			145			1			17,554			17,700
Total loans, gross	$	4,434		$	365		$	8		$	4,807		$	6,093		$	2,238,727		$	2,249,627
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
September 30, 2016
Commercial business	-		$	-		$	-		3		$	526		$	526
Commercial mortgage	-			-			-		1			550			550
Total	-		$	-		$	-		4		$	1,076		$	1,076
September 30, 2015
Commercial business	-		$	-		$	-		2		$	1,342		$	1,342
Commercial mortgage	-			-			-		1			682			330
Total	-		$	-		$	-		3		$	2,024		$	1,672

Summary Of Impaired Loans

					Unpaid						Average			Interest
		Recorded			Principal			Related			Recorded			Income
		Investment(1)			Balance(1)			Allowance			Investment			Recognized
September 30, 2016
With no related allowance recorded:
Commercial business	$	1,074		$	1,594		$	-		$	1,149		$	-
Commercial mortgage		729			938			-			737			-
		1,803			2,532			-			1,886			-
With an allowance recorded:
Commercial business		1,083			1,083			460			1,058			-
Commercial mortgage		616			616			124			745			-
		1,699			1,699			584			1,803			-
	$	3,502		$	4,231		$	584		$	3,689		$	-
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
September 30, 2016
Uncriticized	$	330,433		$	616,955
Special mention		10,676			14,182
Substandard		9,072			6,662
Doubtful		-			-
Total	$	350,181		$	637,799
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
September 30, 2016
Performing	$	418,308		$	120,627		$	702,422		$	17,691
Non-performing		1,239			274			1,077			9
Total	$	419,547		$	120,901		$	703,499		$	17,700
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
September 30, 2016
Loans:
Ending balance	$	350,181		$	637,799		$	419,547		$	120,901		$	703,499		$	17,700		$	2,249,627
Evaluated for impairment:
Individually	$	2,081		$	1,334		$	-		$	-		$	-		$	-		$	3,415
Collectively	$	348,100		$	636,465		$	419,547		$	120,901		$	703,499		$	17,700		$	2,246,212
Allowance for loan losses:
Ending balance	$	6,524		$	9,710		$	1,428		$	315		$	11,041		$	332		$	29,350
Evaluated for impairment:
Individually	$	436		$	122		$	-		$	-		$	-		$	-		$	558
Collectively	$	6,088		$	9,588		$	1,428		$	315		$	11,041		$	332		$	28,792
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

										Residential				Residential
		Commercial				Commercial				Real Estate				Real Estate				Consumer				Other
		Business				Mortgage				Loans				Lines				Indirect				Consumer				Total
Three months ended September 30, 2016
Beginning balance	$	6,197			$	9,496			$	1,444			$	318			$	10,696			$	374			$	28,525
Charge-offs		(44	)			(156	)			(78	)			(8	)			(2,056	)			(158	)			(2,500	)
Recoveries		75				29				17				4				1,160				79				1,364
Provision		296				341				45				1				1,241				37				1,961
Ending balance	$	6,524			$	9,710			$	1,428			$	315			$	11,041			$	332			$	29,350
Nine months ended September 30, 2016
Beginning balance	$	5,540			$	9,027			$	1,347			$	345			$	10,458			$	368			$	27,085
Charge-offs		(688	)			(168	)			(258	)			(59	)			(6,452	)			(434	)			(8,059	)
Recoveries		244				40				142				11				3,324				282				4,043
Provision		1,428				811				197				18				3,711				116				6,281
Ending balance	$	6,524			$	9,710			$	1,428			$	315			$	11,041			$	332			$	29,350

								Residential			Residential
	Commercial				Commercial			Real Estate			Real Estate			Consumer			Other
		Business			Mortgage			Loans			Lines			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 (credit)		748			1,492			(80	)		(25	)		2,318			330			4,783
Ending balance	$	5,281		$	8,888		$	456		$	1,177		$	10,264		$	389		$	26,455

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