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Loans (Tables)

9 Months Ended

Sep. 30, 2019

Loans And Leases Receivable Disclosure [Abstract]

Loan Portfolio

The Company’s loan portfolio consisted of the following as of the dates indicated (in thousands):

		Principal Amount Outstanding				Net Deferred Loan (Fees) Costs				Loans, Net
September 30, 2019
Commercial business		$	573,610			$	845			$	574,455
Commercial mortgage			1,037,304				(1,854	)			1,035,450
Residential real estate loans			547,839				10,817				558,656
Residential real estate lines			104,545				3,070				107,615
Consumer indirect			834,968				28,646				863,614
Other consumer			16,467				163				16,630
Total		$	3,114,733			$	41,687				3,156,420
Allowance for loan losses											(31,668	)
Total loans, net										$	3,124,752
December 31, 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

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 the dates indicated (in thousands):

		30-59 Days Past Due				60-89 Days Past Due				Greater Than 90 Days				Total Past Due				Nonaccrual				Current				Total Loans
September 30, 2019
Commercial business		$	628			$	—			$	—			$	628			$	2,884			$	570,098			$	573,610
Commercial mortgage			286				—				—				286				2,867				1,034,151				1,037,304
Residential real estate loans			797				207				—				1,004				2,526				544,309				547,839
Residential real estate lines			173				46				—				219				182				104,144				104,545
Consumer indirect			2,672				592				—				3,264				1,326				830,378				834,968
Other consumer			73				6				3				82				—				16,385				16,467
Total loans, gross		$	4,629			$	851			$	3			$	5,483			$	9,785			$	3,099,465			$	3,114,733
December 31, 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

Summary Of Impaired Loans

The following table presents the recorded investment, unpaid principal balance and related allowance of impaired loans as of the dates indicated and average recorded investment and interest income recognized on impaired loans for the nine months ended September 30, 2019 and twelve-month period ended December 31, 2018 (in thousands)

		Recorded Investment (1)				Unpaid Principal Balance (1)				Related Allowance				Average Recorded Investment				Interest Income Recognized
September 30, 2019
With no related allowance recorded:
Commercial business		$	307			$	373			$	—			$	365			$	—
Commercial mortgage			3,278				7,047				—				1,727				—
			3,585				7,420				—				2,092				—
With an allowance recorded:
Commercial business			2,703				2,703				1,563				883				—
Commercial mortgage			12				12				1				1,891				—
			2,715				2,715				1,564				2,774				—
		$	6,300			$	10,135			$	1,564			$	4,866			$	—
December 31, 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			$	—

⁽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 the dates indicated (in thousands):

		Commercial Business				Commercial Mortgage
September 30, 2019
Uncriticized		$	545,110			$	1,025,219
Special mention			19,519				6,008
Substandard			8,981				6,077
Doubtful			—				—
Total		$	573,610			$	1,037,304
December 31, 2018
Uncriticized		$	531,756			$	943,991
Special mention			16,499				10,633
Substandard			8,785				5,641
Doubtful			—				—
Total		$	557,040			$	960,265

Retail Loan Portfolio Categorized By Payment Status

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

		Residential Real Estate Loans				Residential Real Estate Lines				Consumer Indirect				Other Consumer
September 30, 2019
Performing		$	545,313			$	104,363			$	833,642			$	16,464
Non-performing			2,526				182				1,326				3
Total		$	547,839			$	104,545			$	834,968			$	16,467
December 31, 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

Changes In The Allowance For Loan Losses

Loans and the related allowance for loan losses are presented below as of the dates indicated (in thousands):

		Commercial Business				Commercial Mortgage				Residential Real Estate Loans				Residential Real Estate Lines				Consumer Indirect				Other Consumer				Total
September 30, 2019
Loans:
Ending balance		$	573,610			$	1,037,304			$	547,839			$	104,545			$	834,968			$	16,467			$	3,114,733
Evaluated for impairment:
Individually		$	3,010			$	3,290			$	—			$	—			$	—			$	—			$	6,300
Collectively		$	570,600			$	1,034,014			$	547,839			$	104,545			$	834,968			$	16,467			$	3,108,433
Allowance for loan losses:
Ending balance		$	12,155			$	5,922			$	1,183			$	146			$	11,842			$	420			$	31,668
Evaluated for impairment:
Individually		$	1,563			$	1			$	—			$	—			$	—			$	—			$	1,564
Collectively		$	10,592			$	5,921			$	1,183			$	146			$	11,842			$	420			$	30,104
September 30, 2018
Loans:
Ending balance		$	537,160			$	907,107			$	498,883			$	108,227			$	878,316			$	16,975			$	2,946,668
Evaluated for impairment:
Individually		$	2,338			$	2,363			$	—			$	—			$	—			$	—			$	4,701
Collectively		$	534,822			$	904,744			$	498,883			$	108,227			$	878,316			$	16,975			$	2,941,967
Allowance for loan losses:
Ending balance		$	14,231			$	5,422			$	1,305			$	212			$	12,355			$	430			$	33,955
Evaluated for impairment:
Individually		$	431			$	460			$	—			$	—			$	—			$	—			$	891
Collectively		$	13,800			$	4,962			$	1,305			$	212			$	12,355			$	430			$	33,064

The following table sets forth the changes in the allowance for loan losses for the three and nine-month periods ended September 30, 2019 (in thousands):

		Commercial Business				Commercial Mortgage				Residential Real Estate Loans				Residential Real Estate Lines				Consumer Indirect				Other Consumer				Total
Three months ended September 30, 2019
Beginning balance		$	11,717			$	8,790			$	1,217			$	145			$	12,157			$	408			$	34,434
Charge-offs			(112	)			(2,994	)			(54	)			(8	)			(2,420	)			(315	)			(5,903	)
Recoveries			102				—				14				1				1,103				73				1,293
Provision (credit)			448				126				6				8				1,002				254				1,844
Ending balance		$	12,155			$	5,922			$	1,183			$	146			$	11,842			$	420			$	31,668
Nine months ended September 30, 2019
Beginning balance		$	14,312			$	5,219			$	1,112			$	210			$	12,572			$	489			$	33,914
Charge-offs			(380	)			(2,997	)			(172	)			(10	)			(8,102	)			(867	)			(12,528	)
Recoveries			333				17				31				6				4,205				299				4,891
Provision (credit)			(2,110	)			3,683				212				(60	)			3,167				499				5,391
Ending balance		$	12,155			$	5,922			$	1,183			$	146			$	11,842			$	420			$	31,668

The following table sets forth the changes in the allowance for loan losses for the three and nine-month periods ended September 30, 2018 (in thousands):

		Commercial Business				Commercial Mortgage				Residential Real Estate Loans				Residential Real Estate Lines				Consumer Indirect				Other Consumer				Total
Three months ended September 30, 2018
Beginning balance		$	14,242			$	5,371			$	1,255			$	248			$	12,520			$	319			$	33,955
Charge-offs			(672	)			(113	)			(24	)			(23	)			(2,474	)			(301	)			(3,607	)
Recoveries			241				3				8				2				1,228				64				1,546
Provision (credit)			420				161				66				(15	)			1,081				348				2,061
Ending balance		$	14,231			$	5,422			$	1,305			$	212			$	12,355			$	430			$	33,955
Nine months ended September 30, 2018
Beginning balance		$	15,668			$	3,696			$	1,322			$	180			$	13,415			$	391			$	34,672
Charge-offs			(1,113	)			(117	)			(53	)			(124	)			(8,089	)			(969	)			(10,465	)
Recoveries			438				11				140				17				3,862				230				4,698
Provision (credit)			(762	)			1,832				(104	)			139				3,167				778				5,050
Ending balance		$	14,231			$	5,422			$	1,305			$	212			$	12,355			$	430			$	33,955

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