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Loans (Tables)

9 Months Ended

Sep. 30, 2022

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, 2022
Commercial business		$	633,129			$	765			$	633,894
Commercial mortgage			1,567,888				(3,343	)			1,564,545
Residential real estate loans			564,180				13,641				577,821
Residential real estate lines			74,148				3,188				77,336
Consumer indirect			959,719				37,704				997,423
Other consumer			15,719				113				15,832
Total		$	3,814,783			$	52,068				3,866,851
Allowance for credit losses - loans											(44,106	)
Total loans, net										$	3,822,745
December 31, 2021
Commercial business		$	639,368			$	(1,075	)		$	638,293
Commercial mortgage			1,415,486				(2,698	)			1,412,788
Residential real estate loans			563,579				13,720				577,299
Residential real estate lines			75,515				3,016				78,531
Consumer indirect			923,052				34,996				958,048
Other consumer			14,355				122				14,477
Total		$	3,631,355			$	48,081				3,679,436
Allowance for credit losses - loans											(39,676	)
Total loans, net										$	3,639,760

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, 2022
Commercial business		$	1,062			$	165			$	973			$	2,200			$	385			$	630,544			$	633,129			$	334
Commercial mortgage			—				—				13				13				830				1,567,045				1,567,888				807
Residential real estate loans			1,221				40				—				1,261				3,550				559,369				564,180				3,550
Residential real estate lines			86				—				—				86				119				73,943				74,148				119
Consumer indirect			7,533				2,015				—				9,548				2,666				947,505				959,719				2,666
Other consumer			134				5				—				139				—				15,580				15,719				—
Total loans, gross		$	10,036			$	2,225			$	986			$	13,247			$	7,550			$	3,793,986			$	3,814,783			$	7,476
December 31, 2021
Commercial business		$	659			$	34			$	797			$	1,490			$	602			$	637,276			$	639,368			$	477
Commercial mortgage			69				—				—				69				6,414				1,409,003				1,415,486				781
Residential real estate loans			1,148				141				—				1,289				2,373				559,917				563,579				2,373
Residential real estate lines			18				3				—				21				200				75,294				75,515				200
Consumer indirect			5,706				770				—				6,476				1,780				914,796				923,052				1,780
Other consumer			121				1				—				122				—				14,233				14,355				—
Total loans, gross		$	7,721			$	949			$	797			$	9,467			$	11,369			$	3,610,519			$	3,631,355			$	5,611

Summary of Collateral Dependent Loans

The following table presents the amortized cost basis of collateral dependent loans by collateral type as of September 30, 2022 and December 31, 2021 (in thousands):

		Collateral type
		Business assets				Real property				Total				Specific Reserve
September 30, 2022
Commercial business		$	181			$	964			$	1,145			$	188
Commercial mortgage			—				22,833				22,833				2,527
Total		$	181			$	23,797			$	23,978			$	2,715
December 31, 2021
Commercial business		$	326			$	993			$	1,319			$	1,055
Commercial mortgage			—				37,936				37,936				4,716
Total		$	326			$	38,929			$	39,255			$	5,771

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
		2022				2021				2020				2019				2018				Prior				Revolving Loans Amortized Cost Basis				Revolving Loans Converted to Term				Total
September 30, 2022
Commercial Business
Uncriticized		$	94,295			$	112,228			$	74,868			$	33,470			$	40,635			$	26,151			$	244,693			$	—			$	626,340
Special mention			263				2,337				11				73				13				33				1,155				—				3,885
Substandard			—				38				76				22				567				1,001				1,965				—				3,669
Doubtful			—				—				—				—				—				—				—				—				—
Total		$	94,558			$	114,603			$	74,955			$	33,565			$	41,215			$	27,185			$	247,813			$	—			$	633,894
Commercial Mortgage
Uncriticized		$	319,245			$	371,251			$	276,113			$	171,289			$	119,365			$	244,827			$	3,641			$	—			$	1,505,731
Special mention			—				473				2,345				9,877				129				22,688				—				—				35,512
Substandard			2,987				347				104				80				9,977				9,807				—				—				23,302
Doubtful			—				—				—				—				—				—				—				—				—
Total		$	322,232			$	372,071			$	278,562			$	181,246			$	129,471			$	277,322			$	3,641			$	—			$	1,564,545

		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
December 31, 2021
Commercial Business
Uncriticized		$	141,925			$	91,338			$	68,433			$	42,631			$	24,847			$	12,033			$	248,338			$	—			$	629,545
Special mention			—				132				166				44				180				1,344				1,993				—				3,859
Substandard			45				256				169				745				415				49				3,210				—				4,889
Doubtful			—				—				—				—				—				—				—				—				—
Total		$	141,970			$	91,726			$	68,768			$	43,420			$	25,442			$	13,426			$	253,541			$	—			$	638,293
Commercial Mortgage
Uncriticized		$	342,483			$	339,988			$	176,753			$	147,247			$	128,381			$	167,739			$	3,712			$	—			$	1,306,303
Special mention			11,184				2,450				29,759				2,344				8,269				27,635				—				—				81,641
Substandard			1,001				77				2,950				11,607				3,209				6,000				—				—				24,844
Doubtful			—				—				—				—				—				—				—				—				—
Total		$	354,668			$	342,515			$	209,462			$	161,198			$	139,859			$	201,374			$	3,712			$	—			$	1,412,788

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
		2022				2021				2020				2019				2018				Prior				Revolving Loans Amortized Cost Basis				Revolving Loans Converted to Term				Total
September 30, 2022
Residential Real Estate Loans
Performing		$	53,282			$	86,500			$	121,667			$	77,987			$	57,406			$	177,429			$	—			$	—			$	574,271
Nonperforming			—				320				357				585				775				1,513				—				—				3,550
Total		$	53,282			$	86,820			$	122,024			$	78,572			$	58,181			$	178,942			$	—			$	—			$	577,821
Residential Real Estate Lines
Performing		$	—			$	—			$	—			$	—			$	—			$	—			$	70,364			$	6,853			$	77,217
Nonperforming			—				—				—				—				—				—				57				62				119
Total		$	—			$	—			$	—			$	—			$	—			$	—			$	70,421			$	6,915			$	77,336
Consumer Indirect
Performing		$	347,722			$	359,064			$	141,033			$	69,141			$	47,378			$	30,419			$	—			$	—			$	994,757
Nonperforming			197				1,276				551				263				233				146				—				—				2,666
Total		$	347,919			$	360,340			$	141,584			$	69,404			$	47,611			$	30,565			$	—			$	—			$	997,423
Other Consumer
Performing		$	5,900			$	3,077			$	2,392			$	938			$	301			$	349			$	2,875			$	—			$	15,832
Nonperforming			—				—				—				—				—				—				—				—				—
Total		$	5,900			$	3,077			$	2,392			$	938			$	301			$	349			$	2,875			$	—			$	15,832

		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
December 31, 2021
Residential Real Estate Loans
Performing		$	92,620			$	129,240			$	85,876			$	65,866			$	50,932			$	150,392			$	—			$	—			$	574,926
Nonperforming			79				55				225				557				899				558				—				—				2,373
Total		$	92,699			$	129,295			$	86,101			$	66,423			$	51,831			$	150,950			$	—			$	—			$	577,299
Residential Real Estate Lines
Performing		$	—			$	—			$	—			$	—			$	—			$	—			$	70,521			$	7,810			$	78,331
Nonperforming			—				—				—				—				—				—				39				161				200
Total		$	—			$	—			$	—			$	—			$	—			$	—			$	70,560			$	7,971			$	78,531
Consumer Indirect
Performing		$	452,601			$	206,472			$	122,849			$	90,998			$	51,598			$	31,750			$	—			$	—			$	956,268
Nonperforming			417				515				436				230				136				46				—				—				1,780
Total		$	453,018			$	206,987			$	123,285			$	91,228			$	51,734			$	31,796			$	—			$	—			$	958,048
Other Consumer
Performing		$	4,422			$	3,738			$	1,681			$	763			$	280			$	1,044			$	2,549			$	—			$	14,477
Nonperforming			—				—				—				—				—				—				—				—				—
Total		$	4,422			$	3,738			$	1,681			$	763			$	280			$	1,044			$	2,549			$	—			$	14,477

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 months ended September 30, 2022 and 2021 (in thousands):

		Commercial Business				Commercial Mortgage				Residential Real Estate Loans				Residential Real Estate Lines				Consumer Indirect				Other Consumer				Total
Three months ended September 30, 2022
Beginning balance		$	10,140			$	12,064			$	2,140			$	509			$	17,332			$	267			$	42,452
Charge-offs			(20	)			—				—				(38	)			(4,058	)			(398	)			(4,514	)
Recoveries			116				1				4				3				2,168				69				2,361
Provision (benefit)			1,288				2,054				210				180				(260	)			335				3,807
Ending balance		$	11,524			$	14,119			$	2,354			$	654			$	15,182			$	273			$	44,106
Nine months ended September 30, 2022
Beginning balance		$	11,099			$	14,777			$	1,604			$	379			$	11,611			$	206			$	39,676
Charge-offs			(262	)			—				(56	)			(38	)			(9,216	)			(1,083	)			(10,655	)
Recoveries			305				2,020				19				20				6,129				262				8,755
Provision (benefit)			382				(2,678	)			787				293				6,658				888				6,330
Ending balance		$	11,524			$	14,119			$	2,354			$	654			$	15,182			$	273			$	44,106
		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 (benefit)			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
(Benefit) provision			(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

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