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Loans (Tables)

9 Months Ended

Sep. 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
September 30, 2021
Commercial business		$	689,819			$	(3,628	)		$	686,191
Commercial mortgage			1,350,932				(2,382	)			1,348,550
Residential real estate loans			570,435				13,656				584,091
Residential real estate lines			76,214				2,982				79,196
Consumer indirect			907,185				33,352				940,537
Other consumer			15,206				128				15,334
Total		$	3,609,791			$	44,108				3,653,899
Allowance for credit losses - loans											(45,444	)
Total loans, net										$	3,608,455
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
September 30, 2021
Commercial business		$	11,489			$	—			$	—			$	11,489			$	1,046			$	677,284			$	689,819			$	498
Commercial mortgage			272				—				—				272				874				1,349,786				1,350,932				344
Residential real estate loans			543				80				—				623				2,457				567,355				570,435				2,457
Residential real estate lines			55				24				—				79				192				75,943				76,214				192
Consumer indirect			4,499				899				—				5,398				2,104				899,683				907,185				2,104
Other consumer			85				—				1				86				2				15,118				15,206				2
Total loans, gross		$	16,943			$	1,003			$	1			$	17,947			$	6,675			$	3,585,169			$	3,609,791			$	5,597
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 September 30, 2021 and December 31, 2020 (in thousands):

		Collateral type
		Business assets				Real property				Total				Specific Reserve
September 30, 2021
Commercial business		$	596			$	1,062			$	1,658			$	1,370
Commercial mortgage			—				64,216				64,216				9,950
Total		$	596			$	65,278			$	65,874			$	11,320
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
September 30, 2021
Commercial Business
Uncriticized		$	111,558			$	109,269			$	78,305			$	49,811			$	16,289			$	13,906			$	296,861			$	—			$	675,999
Special mention			164				41				153				23				360				1,034				1,745				—				3,520
Substandard			—				215				160				722				696				283				4,596				—				6,672
Doubtful			—				—				—				—				—				—				—				—				—
Total		$	111,722			$	109,525			$	78,618			$	50,556			$	17,345			$	15,223			$	303,202			$	—			$	686,191
Commercial Mortgage
Uncriticized		$	208,019			$	343,976			$	181,132			$	143,005			$	142,828			$	172,277			$	3,736			$	—			$	1,194,973
Special mention			11,742				3,041				49,691				9,622				13,624				39,755				—				—				127,475
Substandard			1,001				389				2,938				11,610				300				9,864				—				—				26,102
Doubtful			—				—				—				—				—				—				—				—				—
Total		$	220,762			$	347,406			$	233,761			$	164,237			$	156,752			$	221,896			$	3,736			$	—			$	1,348,550

		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
September 30, 2021
Residential Real Estate Loans
Performing		$	72,522			$	132,594			$	89,736			$	71,263			$	54,733			$	160,786			$	—			$	—			$	581,634
Nonperforming			—				305				240				600				688				624				—				—				2,457
Total		$	72,522			$	132,899			$	89,976			$	71,863			$	55,421			$	161,410			$	—			$	—			$	584,091
Residential Real Estate Lines
Performing		$	—			$	—			$	—			$	—			$	—			$	—			$	70,898			$	8,106			$	79,004
Nonperforming			—				—				—				—				—				—				61				131				192
Total		$	—			$	—			$	—			$	—			$	—			$	—			$	70,959			$	8,237			$	79,196
Consumer Indirect
Performing		$	370,536			$	230,468			$	139,884			$	106,545			$	63,216			$	27,784			$	—			$	—			$	938,433
Nonperforming			371				406				656				334				298				39				—				—				2,104
Total		$	370,907			$	230,874			$	140,540			$	106,879			$	63,514			$	27,823			$	—			$	—			$	940,537
Other Consumer
Performing		$	4,091			$	4,273			$	2,010			$	964			$	376			$	812			$	2,806			$	—			$	15,332
Nonperforming			—				—				2				—				—				—				—				—				2
Total		$	4,091			$	4,273			$	2,012			$	964			$	376			$	812			$	2,806			$	—			$	15,334

		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 nine-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 September 30, 2021
Beginning balance		$	11,005			$	21,662			$	2,299			$	395			$	10,748			$	256			$	46,365
Charge-offs			(218	)			—				(36	)			(60	)			(1,395	)			(250	)			(1,959	)
Recoveries			168				—				15				—				1,130				59				1,372
Provision (credit)			889				(2,210	)			(302	)			10				1,096				183				(334	)
Ending balance		$	11,844			$	19,452			$	1,976			$	345			$	11,579			$	248			$	45,444
Nine months ended September 30, 2021
Beginning balance		$	13,580			$	21,763			$	3,924			$	674			$	12,165			$	314			$	52,420
Charge-offs			(396	)			(203	)			(103	)			(130	)			(4,965	)			(755	)			(6,552	)
Recoveries			785				7				79				—				4,383				218				5,472
Provision (credit)			(2,125	)			(2,115	)			(1,924	)			(199	)			(4	)			471				(5,896	)
Ending balance		$	11,844			$	19,452			$	1,976			$	345			$	11,579			$	248			$	45,444

		Commercial Business				Commercial Mortgage				Residential Real Estate Loans				Residential Real Estate Lines				Consumer Indirect				Other Consumer				Total
Three months ended September 30, 2020
Beginning balance		$	12,399			$	15,666			$	5,769			$	939			$	11,222			$	321			$	46,316
Charge-offs			(15	)			(640	)			—				—				(1,388	)			(160	)			(2,203	)
Recoveries			103				37				7				—				1,503				65				1,715
Provision (credit)			507				1,417				(1,224	)			(121	)			2,833				155				3,567
Ending balance		$	12,994			$	16,480			$	4,552			$	818			$	14,170			$	381			$	49,395
Nine months ended September 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			(8,281	)			(1,712	)			(100	)			—				(7,366	)			(499	)			(17,958	)
Recoveries			1,644				37				25				3				4,550				282				6,541
Provision			8,519				5,164				278				90				6,368				317				20,736
Ending balance		$	12,994			$	16,480			$	4,552			$	818			$	14,170			$	381			$	49,395

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