Loans (Tables)

12 Months Ended

Dec. 31, 2018

Loans And Leases Receivable Disclosure [Abstract]

The Company’s loan portfolio consisted of the following at December 31 (in thousands):

	Principal Amount Outstanding		Net Deferred Loan (Fees) Costs			Loans, Net
2018
Commercial business	$	557,040	$	821		$	557,861
Commercial mortgage		960,265		(2,071	)		958,194
Residential real estate loans		514,981		9,174			524,155
Residential real estate lines		106,712		3,006			109,718
Consumer indirect		888,732		31,185			919,917
Other consumer		16,590		163			16,753
Total	$	3,044,320	$	42,278			3,086,598
Allowance for loan losses							(33,914	)
Total loans, net						$	3,052,684

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

The Company’s recorded investment, by loan class, in current and nonaccrual loans, as well as an analysis of accruing delinquent loans is set forth as of December 31 (in thousands):

	30-59 Days Past Due		60-89 Days Past Due		Greater Than 90 Days		Total Past Due		Nonaccrual		Current		Total Loans
2018
Commercial business	$	227	$	1	$	-	$	228	$	912	$	555,900	$	557,040
Commercial mortgage		574		-		-		574		1,586		958,105		960,265
Residential real estate loans		1,295		242		-		1,537		2,391		511,053		514,981
Residential real estate lines		102		-		-		102		255		106,355		106,712
Consumer indirect		2,424		698		-		3,122		1,989		883,621		888,732
Other consumer		139		3		8		150		-		16,440		16,590
Total loans, gross	$	4,761	$	944	$	8	$	5,713	$	7,133	$	3,031,474	$	3,044,320

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

The following presents, by loan class, information related to loans modified in a TDR during the year ended December 31 (in thousands).

2017	Number of Contracts		Pre- Modification Outstanding Recorded Investment		Post- Modification Outstanding Recorded Investment
Commercial business		1	$	3,081	$	565
Commercial mortgage	-			-		-
Total		1	$	3,081	$	565

Summary Of Impaired Loans

The following table presents data on impaired loans at December 31 (in thousands):

	Recorded Investment ⁽¹⁾		Unpaid Principal Balance ⁽¹⁾		Related Allowance		Average Recorded Investment		Interest Income Recognized
2018
With no related allowance recorded:
Commercial business	$	319	$	487	$	-	$	1,156	$	-
Commercial mortgage		2,013		2,789		-		692		-
		2,332		3,276		-		1,848		-
With an allowance recorded:
Commercial business		725		725		205		2,458		-
Commercial mortgage		21		21		1		1,936		-
		746		746		206		4,394		-
	$	3,078	$	4,022	$	206	$	6,242	$	-

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

The following table sets forth the Company’s commercial loan portfolio, categorized by internally assigned asset classification, as of December 31 (in thousands):

	Commercial Business		Commercial Mortgage
2018
Uncriticized	$	531,756	$	943,991
Special mention		16,499		10,633
Substandard		8,785		5,641
Doubtful		-		-
Total	$	557,040	$	960,265

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

The following table sets forth the Company’s retail loan portfolio, categorized by payment status, as of December 31 (in thousands):

	Residential Real Estate Loans		Residential Real Estate Lines		Consumer Indirect		Other Consumer
2018
Performing	$	512,590	$	106,457	$	886,743	$	16,582
Non-performing		2,391		255		1,989		8
Total	$	514,981	$	106,712	$	888,732	$	16,590

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

The following tables set forth the changes in the allowance for loan losses for the years ended December 31 (in thousands):

	Commercial Business			Commercial Mortgage			Residential Real Estate Loans			Residential Real Estate Lines			Consumer Indirect			Other Consumer			Total
2018
Allowance for loan losses:
Beginning balance	$	15,668		$	3,696		$	1,322		$	180		$	13,415		$	391		$	34,672
Charge-offs		(2,319	)		(1,020	)		(95	)		(142	)		(10,850	)		(1,308	)		(15,734	)
Recoveries		509			13			159			20			5,024			317			6,042
Provision (credit)		454			2,530			(274	)		152			4,983			1,089			8,934
Ending balance	$	14,312		$	5,219		$	1,112		$	210		$	12,572		$	489		$	33,914
Evaluated for impairment:
Individually	$	205		$	1		$	-		$	-		$	-		$	-		$	206
Collectively	$	14,107		$	5,218		$	1,112		$	210		$	12,572		$	489		$	33,708

Loans:
Ending balance	$	557,040		$	960,265		$	514,981		$	106,712		$	888,732		$	16,590		$	3,044,320
Evaluated for impairment:
Individually	$	1,044		$	2,034		$	-		$	-		$	-		$	-		$	3,078
Collectively	$	555,996		$	958,231		$	514,981		$	106,712		$	888,732		$	16,590		$	3,041,242

2017
Allowance for loan losses:
Beginning balance	$	7,225		$	10,315		$	1,478		$	303		$	11,311		$	302		$	30,934
Charge-offs		(3,614	)		(10	)		(431	)		(106	)		(10,164	)		(926	)		(15,251	)
Recoveries		416			262			130			60			4,444			316			5,628
Provision (credit)		11,641			(6,871	)		145			(77	)		7,824			699			13,361
Ending balance	$	15,668		$	3,696		$	1,322		$	180		$	13,415		$	391		$	34,672
Evaluated for impairment:
Individually	$	2,001		$	107		$	-		$	-		$	-		$	-		$	2,108
Collectively	$	13,667		$	3,589		$	1,322		$	180		$	13,415		$	391		$	32,564

Loans:
Ending balance	$	449,763		$	810,851		$	457,761		$	113,422		$	845,682		$	17,443		$	2,694,922
Evaluated for impairment:
Individually	$	5,322		$	2,852		$	-		$	-		$	-		$	-		$	8,174
Collectively	$	444,441		$	807,999		$	457,761		$	113,422		$	845,682		$	17,443		$	2,686,748

	Commercial Business			Commercial Mortgage			Residential Mortgage			Home Equity			Consumer Indirect			Other Consumer			Total
2016
Allowance for loan losses:
Beginning balance	$	5,540		$	9,027		$	1,347		$	345		$	10,458		$	368		$	27,085
Charge-offs		(943	)		(385	)		(289	)		(104	)		(8,748	)		(607	)		(11,076	)
Recoveries		447			45			174			15			4,259			347			5,287
Provision		2,181			1,628			246			47			5,342			194			9,638
Ending balance	$	7,225		$	10,315		$	1,478		$	303		$	11,311		$	302		$	30,934
Evaluated for impairment:
Individually	$	663		$	105		$	-		$	-		$	-		$	-		$	768
Collectively	$	6,562		$	10,210		$	1,478		$	303		$	11,311		$	302		$	30,166

Loans:
Ending balance	$	349,079		$	671,552		$	421,476		$	119,745		$	725,754		$	17,465		$	2,305,071
Evaluated for impairment:
Individually	$	2,052		$	935		$	-		$	-		$	-		$	-		$	2,987
Collectively	$	347,027		$	670,617		$	421,476		$	119,745		$	725,754		$	17,465		$	2,302,084