Allowance for Loan and Lease Losses

12 Months Ended

Dec. 31, 2019

Allowance for Loan and Lease Losses [Abstract]

Allowance for Loan and Lease Losses

7.  Allowance for Loan and Lease Losses

The following tables present the balance in the allowance for loan and lease losses (“ALLL”) and the recorded investment in loans based on portfolio segment and impairment method as of December 31, 2019, 2018, and 2017:

2019
(in thousands)	Commercial Construction			Commercial Secured by Real Estate			Equipment Lease Financing			Commercial Other			Real Estate Construction			Real Estate Mortgage			Home Equity			Consumer Direct			Consumer Indirect			Total
ALLL
Balance, beginning of year	$	862		$	14,531		$	12		$	4,993		$	512		$	4,433		$	841		$	1,883		$	7,841		$	35,908
Provision charged to expense		497			(137	)		(8	)		3,032			(40	)		414			172			528			361			4,819
Losses charged off		(72	)		(727	)		0			(2,179	)		(100	)		(767	)		(139	)		(1,100	)		(4,652	)		(9,736	)
Recoveries		12			358			0			509			0			152			23			400			2,651			4,105
Balance, end of year	$	1,299		$	14,025		$	4		$	6,355		$	372		$	4,232		$	897		$	1,711		$	6,201		$	35,096
Ending balance:
Individually evaluated for impairment	$	99		$	227		$	0		$	886		$	0		$	0		$	0		$	0		$	0		$	1,212
Collectively evaluated for impairment	$	1,200		$	13,798		$	4		$	5,469		$	372		$	4,232		$	897		$	1,711		$	6,201		$	33,884
Loans
Ending balance:
Individually evaluated for impairment	$	3,010		$	41,379		$	0		$	11,073		$	0		$	2,309		$	0		$	0		$	0		$	57,771
Collectively evaluated for impairment	$	101,799		$	1,128,596		$	481		$	378,610		$	63,350		$	730,694		$	111,894		$	148,051		$	527,418		$	3,190,893

2018
(in thousands)	Commercial Construction		Commercial Secured by Real Estate			Equipment Lease Financing			Commercial Other			Real Estate Construction			Real Estate Mortgage			Home Equity			Consumer Direct			Consumer Indirect			Total
ALLL
Balance, beginning of year	$	686	$	14,509		$	18		$	5,039		$	660		$	5,688		$	857		$	1,863		$	6,831		$	36,151
Provision charged to expense		115		786			(6	)		824			(115	)		(336	)		39			572			4,288			6,167
Losses charged off		0		(988	)		0			(1,513	)		(33	)		(1,004	)		(69	)		(997	)		(6,394	)		(10,998	)
Recoveries		61		224			0			643			0			85			14			445			3,116			4,588
Balance, end of year	$	862	$	14,531		$	12		$	4,993		$	512		$	4,433		$	841		$	1,883		$	7,841		$	35,908
Ending balance:
Individually evaluated for impairment	$	50	$	605		$	0		$	146		$	0		$	0		$	0		$	0		$	0		$	801
Collectively evaluated for impairment	$	812	$	13,926		$	12		$	4,847		$	512		$	4,433		$	841		$	1,883		$	7,841		$	35,107
Loans
Ending balance:
Individually evaluated for impairment	$	4,227	$	31,499		$	0		$	8,758		$	0		$	1,882		$	0		$	0		$	0		$	46,366
Collectively evaluated for impairment	$	78,488	$	1,151,594		$	1,740		$	368,440		$	57,160		$	720,535		$	106,299		$	144,289		$	533,727		$	3,162,272

2017
(in thousands)	Commercial Construction			Commercial Secured by Real Estate			Equipment Lease Financing			Commercial Other			Real Estate Construction		Real Estate Mortgage			Home Equity			Consumer Direct			Consumer Indirect			Total
ALLL
Balance, beginning of year	$	884		$	14,191		$	42		$	4,656		$	629	$	6,027		$	774		$	1,885		$	6,845		$	35,933
Provision charged to expense		(237	)		2,281			(24	)		1,744			31		189			257			418			2,862			7,521
Losses charged off		(10	)		(2,038	)		0			(1,893	)		0		(615	)		(178	)		(965	)		(5,386	)		(11,085	)
Recoveries		49			75			0			532			0		87			4			525			2,510			3,782
Balance, end of year	$	686		$	14,509		$	18		$	5,039		$	660	$	5,688		$	857		$	1,863		$	6,831		$	36,151
Ending balance:
Individually evaluated for impairment	$	25		$	966		$	0		$	0		$	0	$	0		$	0		$	0		$	0		$	991
Collectively evaluated for impairment	$	661		$	13,543		$	18		$	5,039		$	660	$	5,688		$	857		$	1,863		$	6,831		$	35,160
Loans
Ending balance:
Individually evaluated for impairment	$	4,584		$	31,465		$	0		$	9,481		$	318	$	1,564		$	0		$	0		$	0		$	47,412
Collectively evaluated for impairment	$	71,895		$	1,157,215		$	3,042		$	341,553		$	67,040	$	708,006		$	99,356		$	137,754		$	489,667		$	3,075,528