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Loans (Tables)

6 Months Ended

Jun. 30, 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
June 30, 2021
Commercial business		$	735,928			$	(4,720	)		$	731,208
Commercial mortgage			1,317,754				(2,350	)			1,315,404
Residential real estate loans			576,632				13,671				590,303
Residential real estate lines			77,773				3,008				80,781
Consumer indirect			868,430				30,588				899,018
Other consumer			15,322				132				15,454
Total		$	3,591,839			$	40,329				3,632,168
Allowance for credit losses - loans											(46,365	)
Total loans, net										$	3,585,803
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
June 30, 2021
Commercial business		$	80			$	—			$	—			$	80			$	1,555			$	734,293			$	735,928			$	899
Commercial mortgage			900				—				—				900				885				1,315,969				1,317,754				355
Residential real estate loans			612				16				—				628				2,615				573,389				576,632				2,615
Residential real estate lines			116				—				—				116				280				77,377				77,773				280
Consumer indirect			2,643				502				—				3,145				1,250				864,035				868,430				1,250
Other consumer			65				24				42				131				8				15,183				15,322				8
Total loans, gross		$	4,416			$	542			$	42			$	5,000			$	6,593			$	3,580,246			$	3,591,839			$	5,407
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 June 30, 2021 and December 31, 2020 (in thousands):

		Collateral type
		Business assets				Real property				Total				Specific Reserve
June 30, 2021
Commercial business		$	910			$	1,148			$	2,058			$	1,409
Commercial mortgage			—				64,499				64,499				11,880
Total		$	910			$	65,647			$	66,557			$	13,289
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
June 30, 2021
Commercial Business
Uncriticized		$	65,107			$	175,374			$	97,307			$	60,740			$	20,000			$	21,457			$	281,613			$	—			$	721,598
Special mention			27				104				14				129				26				1,083				2,974				—				4,357
Substandard			—				65				173				945				213				133				3,724				—				5,253
Doubtful			—				—				—				—				—				—				—				—				—
Total		$	65,134			$	175,543			$	97,494			$	61,814			$	20,239			$	22,673			$	288,311			$	—			$	731,208
Commercial Mortgage
Uncriticized		$	137,070			$	340,304			$	196,386			$	145,712			$	145,919			$	181,455			$	165			$	—			$	1,147,011
Special mention			496				16,636				50,195				9,635				25,426				39,954				—				—				142,342
Substandard			—				327				2,938				11,733				1,276				9,777				—				—				26,051
Doubtful			—				—				—				—				—				—				—				—				—
Total		$	137,566			$	357,267			$	249,519			$	167,080			$	172,621			$	231,186			$	165			$	—			$	1,315,404

		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
June 30, 2021
Residential Real Estate Loans
Performing		$	51,557			$	134,889			$	92,197			$	76,496			$	58,061			$	174,488			$	—			$	—			$	587,688
Nonperforming			—				198				245				602				751				819				—				—				2,615
Total		$	51,557			$	135,087			$	92,442			$	77,098			$	58,812			$	175,307			$	—			$	—			$	590,303
Residential Real Estate Lines
Performing		$	—			$	—			$	—			$	—			$	—			$	—			$	71,762			$	8,739			$	80,501
Nonperforming			—				—				—				—				—				—				64				216				280
Total		$	—			$	—			$	—			$	—			$	—			$	—			$	71,826			$	8,955			$	80,781
Consumer Indirect
Performing		$	242,845			$	254,491			$	160,077			$	125,332			$	77,625			$	37,398			$	—			$	—			$	897,768
Nonperforming			86				224				419				261				187				73				—				—				1,250
Total		$	242,931			$	254,715			$	160,496			$	125,593			$	77,812			$	37,471			$	—			$	—			$	899,018
Other Consumer
Performing		$	3,067			$	4,805			$	2,338			$	1,191			$	513			$	728			$	2,804			$	—			$	15,446
Nonperforming			—				—				8				—				—				—				—				—				8
Total		$	3,067			$	4,805			$	2,346			$	1,191			$	513			$	728			$	2,804			$	—			$	15,454

		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- and six-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
Three months ended June 30, 2021
Beginning balance		$	12,670			$	22,672			$	3,109			$	482			$	10,557			$	338			$	49,828
Charge-offs			(92	)			—				(56	)			—				(1,157	)			(424	)			(1,729	)
Recoveries			379				7				59				—				1,583				95				2,123
Provision (credit)			(1,952	)			(1,017	)			(813	)			(87	)			(235	)			247				(3,857	)
Ending balance		$	11,005			$	21,662			$	2,299			$	395			$	10,748			$	256			$	46,365
Six months ended June 30, 2021
Beginning balance		$	13,580			$	21,763			$	3,924			$	674			$	12,165			$	314			$	52,420
Charge-offs			(178	)			(203	)			(67	)			(70	)			(3,570	)			(505	)			(4,593	)
Recoveries			617				7				64				—				3,253				159				4,100
Provision (credit)			(3,014	)			95				(1,622	)			(209	)			(1,100	)			288				(5,562	)
Ending balance		$	11,005			$	21,662			$	2,299			$	395			$	10,748			$	256			$	46,365

		Commercial Business				Commercial Mortgage				Residential Real Estate Loans				Residential Real Estate Lines				Consumer Indirect				Other Consumer				Total
Three months ended June 30, 2020
Beginning balance		$	10,223			$	15,154			$	6,170			$	899			$	10,645			$	265			$	43,356
Charge-offs			(25	)			(1,072	)			(2	)			—				(2,554	)			(70	)			(3,723	)
Recoveries			1,483				—				8				—				1,379				67				2,937
Provision (credit)			718				1,584				(407	)			40				1,752				59				3,746
Ending balance		$	12,399			$	15,666			$	5,769			$	939			$	11,222			$	321			$	46,316
Six months ended June 30, 2020
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			(8,266	)			(1,072	)			(100	)			—				(5,978	)			(339	)			(15,755	)
Recoveries			1,541				—				18				3				3,047				217				4,826
Provision			8,012				3,747				1,502				211				3,535				162				17,169
Ending balance		$	12,399			$	15,666			$	5,769			$	939			$	11,222			$	321			$	46,316

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