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Loans (Tables)

3 Months Ended

Mar. 31, 2021

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
March 31, 2021
Commercial business		$	822,499			$	(5,563	)		$	816,936
Commercial mortgage			1,279,317				(2,476	)			1,276,841
Residential real estate loans			588,002				13,607				601,609
Residential real estate lines			82,319				3,043				85,362
Consumer indirect			829,362				28,442				857,804
Other consumer			15,695				139				15,834
Total		$	3,617,194			$	37,192				3,654,386
Allowance for credit losses - loans											(49,828	)
Total loans, net										$	3,604,558
December 31, 2020
Commercial business		$	798,409			$	(4,261	)		$	794,148
Commercial mortgage			1,256,525				(2,624	)			1,253,901
Residential real estate loans			586,537				13,263				599,800
Residential real estate lines			86,708				3,097				89,805
Consumer indirect			812,816				27,605				840,421
Other consumer			16,913				150				17,063
Total		$	3,557,908			$	37,230				3,595,138
Allowance for credit losses - loans											(52,420	)
Total loans, net										$	3,542,718

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				Nonaccrual with no allowance
March 31, 2021
Commercial business		$	75			$	—			$	—			$	75			$	1,742			$	820,682			$	822,499			$	1,238
Commercial mortgage			24				—				—				24				3,402				1,275,891				1,279,317				2,867
Residential real estate loans			168				20				—				188				2,519				585,295				588,002				2,519
Residential real estate lines			27				25				—				52				256				82,011				82,319				256
Consumer indirect			1,427				253				—				1,680				1,482				826,200				829,362				1,482
Other consumer			98				53				284				435				3				15,257				15,695				3
Total loans, gross		$	1,819			$	351			$	284			$	2,454			$	9,404			$	3,605,336			$	3,617,194			$	8,365
December 31, 2020
Commercial business		$	264			$	87			$	—			$	351			$	1,975			$	796,083			$	798,409			$	1,502
Commercial mortgage			822				26				—				848				2,906				1,252,771				1,256,525				2,709
Residential real estate loans			984				60				—				1,044				2,587				582,906				586,537				2,587
Residential real estate lines			40				15				—				55				323				86,330				86,708				323
Consumer indirect			3,966				1,348				—				5,314				1,495				806,007				812,816				1,495
Other consumer			133				18				231				382				—				16,531				16,913				—
Total loans, gross		$	6,209			$	1,554			$	231			$	7,994			$	9,286			$	3,540,628			$	3,557,908			$	8,616

Summary of Collateral Dependent Loans

The following table presents the amortized cost basis of collateral dependent loans by collateral type as of March 31, 2021 and December 31, 2020 (in thousands):

		Collateral type
		Business assets				Real property				Total				Specific Reserve
March 31, 2021
Commercial business		$	804			$	1,148			$	1,952			$	1,346
Commercial mortgage			—				60,156				60,156				12,157
Total		$	804			$	61,304			$	62,108			$	13,503
December 31, 2020
Commercial business		$	2,379			$	—			$	2,379			$	1,383
Commercial mortgage			—				36,625				36,625				8,187
Total		$	2,379			$	36,625			$	39,004			$	9,570

Commercial Loan Portfolio Categorized by Internally Assigned Asset Classification

The following tables set forth the Company’s commercial loan portfolio, categorized by internally assigned asset classification, as of the dates indicated (in thousands):

		Term Loans Amortized Cost Basis by Origination Year
		2021				2020				2019				2018				2017				Prior				Revolving Loans Amortized Cost Basis				Revolving Loans Converted to Term				Total
March 31, 2021
Commercial Business
Uncriticized		$	34,725			$	282,996			$	106,625			$	65,350			$	23,823			$	24,702			$	268,143			$	—			$	806,364
Special mention			—				—				1				42				566				1,002				2,795				—				4,406
Substandard			—				247				225				1,119				153				234				4,188				—				6,166
Doubtful			—				—				—				—				—				—				—				—				—
Total		$	34,725			$	283,243			$	106,851			$	66,511			$	24,542			$	25,938			$	275,126			$	—			$	816,936
Commercial Mortgage
Uncriticized		$	47,489			$	332,420			$	220,441			$	146,250			$	159,788			$	208,781			$	895			$	—			$	1,116,064
Special mention			500				14,067				39,480				19,511				27,305				40,518				—				—				141,381
Substandard			—				331				5,350				1,881				1,761				9,875				198				—				19,396
Doubtful			—				—				—				—				—				—				—				—				—
Total		$	47,989			$	346,818			$	265,271			$	167,642			$	188,854			$	259,174			$	1,093			$	—			$	1,276,841

		Term Loans Amortized Cost Basis by Origination Year
		2020				2019				2018				2017				2016				Prior				Revolving Loans Amortized Cost Basis				Revolving Loans Converted to Term				Total
December 31, 2020
Commercial Business
Uncriticized		$	350,992			$	112,469			$	82,029			$	31,990			$	8,195			$	16,600			$	179,770			$	—			$	782,045
Special mention			—				360				21				709				41				1,025				2,995				—				5,151
Substandard			193				211				1,183				464				202				309				4,390				—				6,952
Doubtful			—				—				—				—				—				—				—				—				—
Total		$	351,185			$	113,040			$	83,233			$	33,163			$	8,438			$	17,934			$	187,155			$	—			$	794,148
Commercial Mortgage
Uncriticized		$	310,364			$	227,406			$	163,839			$	161,771			$	74,915			$	154,399			$	731			$	—			$	1,093,425
Special mention			14,299				42,305				19,505				27,530				12,256				28,744				43				—				144,682
Substandard			189				2,521				1,890				1,648				3				9,344				199				—				15,794
Doubtful			—				—				—				—				—				—				—				—				—
Total		$	324,852			$	272,232			$	185,234			$	190,949			$	87,174			$	192,487			$	973			$	—			$	1,253,901

Retail Loan Portfolio Categorized by Performance Status

The following tables set forth the Company’s retail loan portfolio, categorized by performance status, as of the dates indicated (in thousands):

		Term Loans Amortized Cost Basis by Origination Year
		2021				2020				2019				2018				2017				Prior				Revolving Loans Amortized Cost Basis				Revolving Loans Converted to Term				Total
March 31, 2021
Residential Real Estate Loans
Performing		$	32,920			$	136,773			$	97,640			$	80,962			$	62,906			$	187,889			$	—			$	—			$	599,090
Nonperforming			—				—				198				661				754				906				—				—				2,519
Total		$	32,920			$	136,773			$	97,838			$	81,623			$	63,660			$	188,795			$	—			$	—			$	601,609
Residential Real Estate Lines
Performing		$	—			$	—			$	—			$	—			$	—			$	—			$	75,606			$	9,500			$	85,106
Nonperforming			—				—				—				—				—				—				64				192				256
Total		$	—			$	—			$	—			$	—			$	—			$	—			$	75,670			$	9,692			$	85,362
Consumer Indirect
Performing		$	105,985			$	278,315			$	182,163			$	146,363			$	94,067			$	49,429			$	—			$	—			$	856,322
Nonperforming			—				394				421				387				195				85				—				—				1,482
Total		$	105,985			$	278,709			$	182,584			$	146,750			$	94,262			$	49,514			$	—			$	—			$	857,804
Other Consumer
Performing		$	1,311			$	5,419			$	2,782			$	1,439			$	688			$	962			$	3,230			$	—			$	15,831
Nonperforming			—				—				3				—				—				—				—				—				3
Total		$	1,311			$	5,419			$	2,785			$	1,439			$	688			$	962			$	3,230			$	—			$	15,834

		Term Loans Amortized Cost Basis by Origination Year
		2020				2019				2018				2017				2016				Prior				Revolving Loans Amortized Cost Basis				Revolving Loans Converted to Term				Total
December 31, 2020
Residential Real Estate Loans
Performing		$	137,926			$	103,923			$	87,153			$	66,446			$	67,473			$	134,292			$	—			$	—			$	597,213
Nonperforming			—				199				765				665				233				725				—				—				2,587
Total		$	137,926			$	104,122			$	87,918			$	67,111			$	67,706			$	135,017			$	—			$	—			$	599,800
Residential Real Estate Lines
Performing		$	—			$	—			$	—			$	—			$	—			$	—			$	79,257			$	10,225			$	89,482
Nonperforming			—				—				—				—				—				—				65				258				323
Total		$	—			$	—			$	—			$	—			$	—			$	—			$	79,322			$	10,483			$	89,805
Consumer Indirect
Performing		$	295,216			$	202,187			$	166,773			$	111,008			$	47,793			$	15,949			$	—			$	—			$	838,926
Nonperforming			70				652				319				287				132				35				—				—				1,495
Total		$	295,286			$	202,839			$	167,092			$	111,295			$	47,925			$	15,984			$	—			$	—			$	840,421
Other Consumer
Performing		$	6,774			$	3,177			$	1,765			$	907			$	369			$	508			$	3,563			$	—			$	17,063
Nonperforming			—				—				—				—				—				—				—				—				—
Total		$	6,774			$	3,177			$	1,765			$	907			$	369			$	508			$	3,563			$	—			$	17,063

Changes in the Allowance for Loan Losses

The following table sets forth the changes in the allowance for credit losses - loans for the three-month periods ended as of the dates indicated (in thousands):

		Commercial Business				Commercial Mortgage				Residential Real Estate Loans				Residential Real Estate Lines				Consumer Indirect				Other Consumer				Total
March 31, 2021
Allowance for credit losses - loans:
Beginning balance		$	13,580			$	21,763			$	3,924			$	674			$	12,165			$	314			$	52,420
Charge-offs			(86	)			(203	)			(11	)			(70	)			(2,413	)			(81	)			(2,864	)
Recoveries			238				—				5				—				1,670				64				1,977
Provision (benefit)			(1,062	)			1,112				(809	)			(122	)			(865	)			41				(1,705	)
Ending balance		$	12,670			$	22,672			$	3,109			$	482			$	10,557			$	338			$	49,828
March 31, 2020
Allowance for credit losses - loans:
Beginning balance, prior to adoption of ASC 326		$	11,358			$	5,681			$	1,059			$	118			$	11,852			$	414			$	30,482
Impact of adopting ASC 326			(246	)			7,310				3,290				607				(1,234	)			(133	)			9,594
Beginning balance, after adoption of ASC 326			11,112				12,991				4,349				725				10,618				281				40,076
Charge-offs			(8,241	)			—				(98	)			—				(3,424	)			(269	)			(12,032	)
Recoveries			58				—				10				3				1,668				150				1,889
Provision			7,294				2,163				1,909				171				1,783				103				13,423
Ending balance		$	10,223			$	15,154			$	6,170			$	899			$	10,645			$	265			$	43,356

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