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Loans (Tables)

3 Months Ended

Mar. 31, 2018

Loans [Abstract]

Loan Portfolio

		Principal		Net Deferred
		Amount		Loan (Fees)
		Outstanding		Costs			Loans, Net
March 31, 2018
Commercial business	$	463,526	$	613		$	464,139
Commercial mortgage		823,305		(2,214	)		821,091
Residential real estate loans		470,111		7,824			477,935
Residential real estate lines		112,428		2,918			115,346
Consumer indirect		866,598		31,501			898,099
Other consumer		16,482		172			16,654
Total	$	2,752,450	$	40,814			2,793,264
Allowance for loan losses							(35,594	)
Total loans, net						$	2,757,670
December 31, 2017
Commercial business	$	449,763	$	563		$	450,326
Commercial mortgage		810,851		(1,943	)		808,908
Residential real estate loans		457,761		7,522			465,283
Residential real estate lines		113,422		2,887			116,309
Consumer indirect		845,682		30,888			876,570
Other consumer		17,443		178			17,621
Total	$	2,694,922	$	40,095			2,735,017
Allowance for loan losses							(34,672	)
Total loans, net						$	2,700,345

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, 2018
Commercial business	$	127	$	-	$	-	$	127	$	4,312	$	459,087	$	463,526
Commercial mortgage		388		-		-		388		2,310		820,607		823,305
Residential real estate loans		853		110		-		963		2,224		466,924		470,111
Residential real estate lines		167		-		-		167		372		111,889		112,428
Consumer indirect		1,443		370		-		1,813		1,467		863,318		866,598
Other consumer		91		13		17		121		15		16,346		16,482
Total loans, gross	$	3,069	$	493	$	17	$	3,579	$	10,700	$	2,738,171	$	2,752,450
December 31, 2017
Commercial business	$	64	$	36	$	-	$	100	$	5,344	$	444,319	$	449,763
Commercial mortgage		56		375		-		431		2,623		807,797		810,851
Residential real estate loans		1,908		56		-		1,964		2,252		453,545		457,761
Residential real estate lines		349		-		-		349		404		112,669		113,422
Consumer indirect		2,806		672		-		3,478		1,895		840,309		845,682
Other consumer		174		15		11		200		2		17,241		17,443
Total loans, gross	$	5,357	$	1,154	$	11	$	6,522	$	12,520	$	2,675,880	$	2,694,922

Summary Of Impaired Loans

				Unpaid				Average		Interest
		Recorded		Principal		Related		Recorded		Income
		Investment(1)		Balance(1)		Allowance		Investment		Recognized
March 31, 2018
With no related allowance recorded:
Commercial business	$	1,259	$	1,775	$	-	$	1,523	$	-
Commercial mortgage		569		569		-		576		-
		1,828		2,344		-		2,099		-
With an allowance recorded:
Commercial business		3,194		3,286		1,699		3,587		-
Commercial mortgage		2,222		2,222		719		2,370		-
		5,416		5,508		2,418		5,957		-
	$	7,244	$	7,852	$	2,418	$	8,056	$	-
December 31, 2017
With no related allowance recorded:
Commercial business	$	1,635	$	2,370	$	-	$	853	$	-
Commercial mortgage		584		584		-		621		-
		2,219		2,954		-		1,474		-
With an allowance recorded:
Commercial business		3,853		3,853		2,056		4,468		-
Commercial mortgage		2,528		2,528		115		1,516		-
		6,381		6,381		2,171		5,984		-
	$	8,600	$	9,335	$	2,171	$	7,458	$	-

(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, 2018
Uncriticized	$	441,798	$	804,177
Special mention		9,872		12,057
Substandard		11,856		7,071
Doubtful		-		-
Total	$	463,526	$	823,305
December 31, 2017
Uncriticized	$	429,692	$	791,127
Special mention		7,120		12,185
Substandard		12,951		7,539
Doubtful		-		-
Total	$	449,763	$	810,851

Retail Loan Portfolio Categorized By Payment Status

		Residential		Residential
		Real Estate		Real Estate		Consumer		Other
		Loans		Lines		Indirect		Consumer
March 31, 2018
Performing	$	467,887	$	112,056	$	865,131	$	16,450
Non-performing		2,224		372		1,467		32
Total	$	470,111	$	112,428	$	866,598	$	16,482
December 31, 2017
Performing	$	455,509	$	113,018	$	843,787	$	17,430
Non-performing		2,252		404		1,895		13
Total	$	457,761	$	113,422	$	845,682	$	17,443

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, 2018
Allowance for loan losses:
Beginning balance	$	15,668		$	3,696		$	1,322		$	180		$	13,415		$	391		$	34,672
Charge-offs		(105	)		(4	)		(19	)		(94	)		(2,994	)		(433	)		(3,649	)
Recoveries		120			7			69			3			1,330			93			1,622
Provision (credit)		(741	)		1,774			28			129			1,481			278			2,949
Ending balance	$	14,942		$	5,473		$	1,400		$	218		$	13,232		$	329		$	35,594
Evaluated for impairment:
Individually	$	1,699		$	719		$	-		$	-		$	-		$	-		$	2,418
Collectively	$	13,243		$	4,754		$	1,400		$	218		$	13,232		$	329		$	33,176
Loans:
Ending balance	$	463,526		$	823,305		$	470,111		$	112,428		$	866,598		$	16,482		$	2,752,450
Evaluated for impairment:
Individually	$	4,453		$	2,791		$	-		$	-		$	-		$	-		$	7,244
Collectively	$	459,073		$	820,514		$	470,111		$	112,428		$	866,598		$	16,482		$	2,745,206
March 31, 2017
Allowance for loan losses:
Beginning balance	$	7,225		$	10,315		$	1,478		$	303		$	11,311		$	302		$	30,934
Charge-offs		(1,122	)		(10	)		(14	)		(43	)		(2,809	)		(203	)		(4,201	)
Recoveries		158			214			40			10			1,051			94			1,567
Provision (credit)		7,742			(6,852	)		(64	)		(56	)		1,909			102			2,781
Ending balance	$	14,003		$	3,667		$	1,440		$	214		$	11,462		$	295		$	31,081
Evaluated for impairment:
Individually	$	1,842		$	120		$	-		$	-		$	-		$	-		$	1,962
Collectively	$	12,161		$	3,547		$	1,440		$	214		$	11,462		$	295		$	29,119
Loans:
Ending balance	$	374,992		$	676,455		421,614			$	118,056		$	758,761		$	16,762		$	2,366,640
Evaluated for impairment:
Individually	$	3,549		$	1,195		$	-		$	-		$	-		$	-		$	4,744
Collectively	$	371,443		$	675,260			421,614		$	118,056		$	758,761		$	16,762		$	2,361,896

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