Allowance for Loan Losses (Tables)

6 Months Ended

Jun. 30, 2012

Allowance for Loan Losses [Abstract]

Summary of activity in the allowance for loan losses, and ending balance of loans, net of unearned fees for the periods indicated.

	Allowance for Loan Losses – Three months ended June 30, 2012
	RE Mortgage						Home Equity						Auto			Other						Construction
(In thousands)	Resid.			Comm.			Lines			Loans			Indirect			Consum.			C&I			Resid.			Comm.			Total
Beginning balance	$	3,157		$	9,981		$	22,032		$	1,267		$	575		$	600		$	4,550		$	1,672		$	1,618		$	45,452
Charge-offs		(325	)		(363	)		(2,478	)		(117	)		(31	)		(309	)		(296	)		(201	)		(68	)		(4,188	)
Recoveries		27			782			84			6			42			187			86			—			—			1,214
Provision		599			(834	)		1,964			3			(153	)		143			1,354			208			87			3,371
Ending balance	$	3,458		$	9,566		$	21,602		$	1,159		$	433		$	621		$	5,694		$	1,679		$	1,637		$	45,849
	Allowance for Loan Losses – Six months ended June 30, 2012
	RE Mortgage						Home Equity						Auto			Other						Construction
(In thousands)	Resid.			Comm.			Lines			Loans			Indirect			Consum.			C&I			Resid.			Comm.			Total
Beginning balance	$	2,404		$	13,217		$	18,258		$	1,101		$	215		$	932		$	6,545		$	1,817		$	1,425		$	45,914
Charge-offs		(548	)		(1,668	)		(5,103	)		(158	)		(71	)		(648	)		(577	)		(269	)		(68	)		(9,110	)
Recoveries		27			818			147			9			99			442			136			—			—			1,678
Provision		1,575			(2,801	)		8,300			207			190			(105	)		(410	)		131			280			7,367
Ending balance	$	3,458		$	9,566		$	21,602		$	1,159		$	433		$	621		$	5,694		$	1,679		$	1,637		$	45,849
Ending balance:
Individ. evaluated for impairment	$	551		$	781		$	1,880		$	42		$	16		$	32		$	1,502		$	201		$	1,035		$	6,040
Loans pooled for evaluation	$	2,536		$	8,531		$	18,443		$	1,038		$	417		$	589		$	2,533		$	540		$	95		$	34,722
Loans acquired with deteriorated credit quality	$	371		$	254		$	1,279		$	79			—			—		$	1,659		$	938		$	507		$	5,087

	Loans, net of unearned fees – As of June 30, 2012
	RE Mortgage				Home Equity				Auto		Other				Construction
(In thousands)	Resid.		Comm.		Lines		Loans		Indirect		Consum.		C&I		Resid.		Comm.		Total
Ending balance:
Total loans	$	134,015	$	850,132	$	346,917	$	14,274	$	6,496	$	25,561	$	139,733	$	19,259	$	16,095	$	1,552,482
Individ. evaluated for impairment	$	9,765	$	69,488	$	9,401	$	546	$	319	$	178	$	10,152	$	4,407	$	7,009	$	111,265
Loans pooled for evaluation	$	118,184	$	748,232	$	323,566	$	13,523	$	6,177	$	25,344	$	118,194	$	6,386	$	5,378	$	1,364,984
Loans acquired with deteriorated credit quality	$	6,066	$	32,412	$	13,950	$	205		—	$	39	$	11,387	$	8,466	$	3,708	$	76,233

	Allowance for Loan Losses – Three months ended June 30, 2011
	RE Mortgage						Home Equity						Auto			Other						Construction
(In thousands)	Resid.			Comm.			Lines			Loans			Indirect			Consum.			C&I			Resid.			Comm.			Total
Beginning balance	$	3,544		$	12,027		$	16,296		$	911		$	481		$	704		$	6,967		$	1,395		$	899		$	43,224
Charge-offs		(321	)		(1,621	)		(1,928	)		(264	)		(100	)		(304	)		(202	)		(395	)		(95	)		(5,230	)
Recoveries		—			38			86			—			56			165			41			20			1			407
Provision		(702	)		2,975			2,026			524			(53	)		257			6			677			(149	)		5,561
Ending balance	$	2,521		$	13,419		$	16,480		$	1,171		$	384		$	822		$	6,812		$	1,697		$	656		$	43,962
	Allowance for Loan Losses – Six months ended June 30, 2011
	RE Mortgage						Home Equity						Auto			Other						Construction
(In thousands)	Resid.			Comm.			Lines			Loans			Indirect			Consum.			C&I			Resid.			Comm.			Total
Beginning balance	$	3,007		$	12,700		$	15,054		$	795		$	1,229		$	701		$	5,991		$	1,824		$	1,270		$	42,571
Charge-offs		(1,446	)		(1,989	)		(5,529	)		(264	)		(235	)		(533	)		(1,758	)		(430	)		(95	)		(12,279	)
Recoveries		112			66			247			2			183			374			62			22			40			1,108
Provision		848			2,642			6,708			638			(793	)		280			2,517			281			(559	)		12,562
Ending balance	$	2,521		$	13,419		$	16,480		$	1,171		$	384		$	822		$	6,812		$	1,697		$	656		$	43,962
Ending balance:
Individ. evaluated for impairment	$	955		$	2,181		$	1,408		$	129		$	113		$	22		$	206		$	286		$	509		$	5,809
Loans pooled for evaluation	$	1,552		$	11,224		$	14,629		$	1,042		$	271		$	800		$	4,968		$	1,150		$	147		$	35,783
Loans acquired with deteriorated credit quality	$	14		$	14		$	443			—			—			—		$	1,638		$	261			—		$	2,370

	Loans, net of unearned fees – As of June 30, 2011
	RE Mortgage				Home Equity				Auto		Other				Construction
(In thousands)	Resid.		Comm.		Lines		Loans		Indirect		Consum.		C&I		Resid.		Comm.		Total
Ending balance:
Total loans	$	127,083	$	701,674	$	332,532	$	14,905	$	16,767	$	18,660	$	140,531	$	22,479	$	21,431	$	1,396,062
Individ. evaluated for impairment	$	11,292	$	65,734	$	8,271	$	492	$	936	$	93	$	5,385	$	6,250	$	7,329	$	105,782
Loans pooled for evaluation	$	109,393	$	611,279	$	317,959	$	14,413	$	15,831	$	18,567	$	127,109	$	11,784	$	14,102	$	1,240,437
Loans acquired with deteriorated credit quality	$	6,398	$	24,661	$	6,302		—		—		—	$	8,037	$	4,445		—	$	49,843

Presentation of Credit Quality Indicators

	Credit Quality Indicators – As of June 30, 2012
	RE Mortgage				Home Equity				Auto		Other				Construction
(In thousands)	Resid.		Comm.		Lines		Loans		Indirect Consumer				C&I		Resid.		Comm.		Total
Originated loans:
Pass	$	104,504	$	640,678	$	295,238	$	12,346	$	5,296	$	21,891	$	113,819	$	5,969	$	5,067	$	1,204,808
Special mention		1,951		28,990		7,341		653		671		645		4,824		41		543		45,659
Substandard		13,050		71,114		12,394		527		529		134		8,480		4,783		6,777		117,788
Loss		—		—		—		—		—		—		—		—		—		—
Total Originated loans	$	119,505	$	740,782	$	314,973	$	13,526	$	6,496	$	22,670	$	127,123	$	10,793	$	12,387	$	1,368,255
PNCI loans:
Pass	$	8,047	$	69,024	$	16,798	$	543		—	$	2,686	$	1,223		—		—	$	98,321
Special mention		—		4,204		846		—		—		58		—		—		—		5,108
Substandard		397		3,710		351		—		—		108		—		—		—		4,566
Loss		—		—		—		—		—		—		—		—		—		—
Total PNCI loans	$	8,444	$	76,938	$	17,995	$	543		—	$	2,852	$	1,223		—		—	$	107,995
PCI loans	$	6,066	$	32,412	$	13,949	$	205		—	$	39	$	11,387	$	8,466	$	3,708	$	76,232
Total loans	$	134,015	$	850,132	$	346,917	$	14,274	$	6,496	$	25,561	$	139,733	$	19,259	$	16,095	$	1,552,482

	Credit Quality Indicators – As of December 31, 2011
	RE Mortgage				Home Equity				Auto		Other				Construction
(In thousands)	Resid.		Comm.		Lines		Loans		Indirect		Consumer		C&I		Resid.		Comm.		Total
Originated loans:
Pass	$	103,611	$	574,167	$	305,290	$	13,478	$	9,686	$	19,871	$	107,877	$	6,872	$	5,387	$	1,146,239
Special mention		1,020		46,518		1,295		—		33		10		6,709		903		430		56,918
Substandard		13,689		78,997		15,249		842		1,102		389		8,900		6,133		6,927		132,228
Total Originated loans	$	118,320	$	699,682	$	321,834	$	14,320	$	10,821	$	20,270	$	123,486	$	13,908	$	12,744	$	1,335,385
PNCI loans:
Pass	$	14,576	$	83,735	$	20,053	$	367		—	$	3,034	$	1,707		—		—	$	123,472
Special mention		—		9,693		548		—		—		4		—		—		—		10,245
Substandard		174		—		301		—		—		3		98		—		—		576
Total PNCI loans	$	14,750	$	93,428	$	20,902	$	367		—	$	3,041	$	1,805		—		—	$	134,293
PCI loans	$	6,516	$	33,226	$	14,569	$	157		—	$	49	$	13,840	$	8,214	$	4,783	$	81,354
Total loans	$	139,586	$	826,336	$	357,305	$	14,844	$	10,821	$	23,360	$	139,131	$	22,122	$	17,527	$	1,551,032

Analysis of Past Due and Nonaccrual Loans

	Analysis of Past Due and Nonaccrual Originated Loans – As of June 30, 2012
(In thousands)	RE Mortgage				Home Equity				Auto		Other				Construction
	Resid.		Comm.		Lines		Loans		Indirect		Consumer		C&I		Resid.		Comm.		Total
Originated loan balance:
Past due:
30-59 Days	$	322	$	1,559	$	2,948	$	142	$	101	$	99	$	677		—	$	962	$	6,810
60-89 Days		911		4,106		1,604		29		9		3		259	$	96		90		7,107
> 90 Days		2,213		11,803		2,962		268		100		9		7,285		257		38		24,935
Total past due		3,446		17,468		7,514		439		210		111		8,221		353		1,090		38,852
Current		116,059		723,314		307,459		13,087		6,286		22,559		118,902		10,440		11,297		1,329,403
Total Originated loans	$	119,505	$	740,782	$	314,973	$	13,526	$	6,496	$	22,670	$	127,123	$	10,793	$	12,387	$	1,368,255
> 90 Days and still accruing		—		—		—		—		—		—	$	893		—		—	$	893
Nonaccrual loans	$	7,726	$	40,120	$	7,771	$	483	$	280	$	72	$	7,482	$	4,354	$	567	$	68,855

	Analysis of Past Due and Nonaccrual PNCI Loans – As of June 30, 2012
(In thousands)	RE Mortgage				Home Equity				Auto		Other				Construction
	Resid.		Comm.		Lines		Loans		Indirect		Consumer		C&I		Resid.		Comm.		Total
PNCI loan balance:
Past due:
30-59 Days	$	197	$	315		—		—		—	$	1		—		—		—	$	513
60-89 Days		—		213	$	132		—		—		—		—		—		—		345
> 90 Days		—		166		—		—		—		31		—		—		—		197
Total past due		197		694		132		—		—		32		—		—		—		1,055
Current		8,247		76,244		17,863	$	543		—		2,820	$	1,223		—		—		106,940
Total PNCI loans	$	8,444	$	76,938	$	17,995	$	543		—	$	2,852	$	1,223		—		—	$	107,995
> 90 Days and still accruing		—		—		—		—		—		—		—		—		—		—
Nonaccrual loans	$	75	$	2,452	$	420		—		—	$	77		—		—		—	$	3,024

	Analysis of Past Due and Nonaccrual Originated Loans – As of December 31, 2011
(In thousands)	RE Mortgage				Home Equity				Auto		Other				Construction
	Resid.		Comm.		Lines		Loans		Indirect		Consumer		C&I		Resid.		Comm.		Total
Originated loan balance:
Past due:
30-59 Days	$	1,715	$	7,509	$	2,586	$	52	$	181	$	46	$	683	$	921		—	$	13,693
60-89 Days		750		1,171		2,629		281		56		153		1,334		92		—		6,466
> 90 Days		3,279		9,892		3,129		114		130		5		4,929		2,088		—		23,566
Total past due		5,744		18,572		8,344		447		367		204		6,946		3,101		—		43,725
Current		112,576		681,110		313,490		13,873		10,454		20,066		116,540		10,807	$	12,744		1,291,660
Total Originated loans	$	118,320	$	699,682	$	321,834	$	14,320	$	10,821	$	20,270	$	123,486	$	13,908	$	12,744	$	1,335,385
> 90 Days and still accruing		—	$	500		—		—		—		—		—		—		—	$	500
Nonaccrual loans	$	8,525	$	43,765	$	8,307	$	509	$	509	$	109	$	7,257	$	5,627	$	667	$	75,275

	Analysis of Past Due and Nonaccrual PNCI Loans – As of December 31, 2011
(In thousands)	RE Mortgage				Home Equity				Auto		Other				Construction
	Resid.		Comm.		Lines		Loans		Indirect		Consumer		C&I		Resid.		Comm.		Total
PNCI loan balance:
Past due:
30-59 Days		—	$	118	$	63		—		—		—		—		—		—	$	181
60-89 Days	$	76		—		39		—		—		—		—		—		—		115
> 90 Days		—		420		14		—		—		—		—		—		—		434
Total past due		76		538		116		—		—		—		—		—		—		730
Current		14,674		92,890		20,786	$	367		—	$	3,041	$	1,805		—		—		133,563
Total PNCI loans	$	14,750	$	93,428	$	20,902	$	367		—	$	3,041	$	1,805		—		—	$	134,293
> 90 Days and still accruing		—	$	420		—		—		—		—		—		—		—	$	420
Nonaccrual loans		—		—	$	110		—		—		—		—		—		—	$	110

Impaired Loans

	Impaired Originated Loans – As of June 30, 2012
	RE Mortgage				Home Equity				Auto		Other				Construction
(In thousands)	Resid.		Comm.		Lines		Loans		Indirect		Consumer		C&I		Resid.		Comm.		Total
With no related allowance recorded:
Recorded investment	$	6,838	$	61,957	$	4,271	$	446	$	241	$	50	$	8,285	$	2,828	$	486	$	85,402
Unpaid principal	$	9,141	$	71,721	$	7,526	$	1,100	$	443	$	74	$	8,997	$	6,756	$	661	$	106,419
Average recorded Investment	$	7,226	$	53,415	$	4,291	$	404	$	395	$	42	$	6,538	$	3,665	$	3,479	$	79,455
Interest income Recognized	$	43	$	793	$	11	$	3	$	2		—	$	63		—	$	7	$	922
With an allowance recorded:
Recorded investment	$	2,691	$	4,687	$	4,671	$	100	$	78	$	22	$	1,867	$	1,579	$	6,523	$	22,218
Unpaid principal	$	3,237	$	5,164	$	5,323	$	166	$	101	$	24	$	1,904	$	2,725	$	6,790	$	25,434
Related allowance	$	528	$	782	$	1,822	$	42	$	16	$	5	$	1,502	$	201	$	1,035	$	5,933
Average recorded Investment	$	3,185	$	12,774	$	4,316	$	115	$	233	$	41	$	1,231	$	1,664	$	3,690	$	27,249
Interest income Recognized	$	13	$	75	$	32		—		—		—	$	38	$	2	$	189	$	349
	Impaired PNCI Loans – As of June 30, 2012
	RE Mortgage				Home Equity				Auto		Other				Construction
(In thousands)	Resid.		Comm.		Lines		Loans		Indirect		Consumer		C&I		Resid.		Comm.		Total
With no related allowance recorded:
Recorded investment		—	$	2,844	$	381		—		—	$	45		—		—		—	$	3,270
Unpaid principal		—	$	4,814	$	427		—		—	$	48		—		—		—	$	5,289
Average recorded Investment		—	$	1,422	$	191		—		—	$	23		—		—		—	$	1,636
Interest income Recognized		—	$	121	$	2		—		—		—		—		—		—	$	123
With an allowance recorded:
Recorded investment	$	236		—	$	78		—		—	$	61		—		—		—	$	375
Unpaid principal	$	240		—	$	82		—		—	$	130		—		—		—	$	452
Related allowance	$	23		—	$	57		—		—	$	27		—		—		—	$	107
Average recorded Investment	$	118		—	$	39		—		—	$	31		—		—		—	$	188
Interest income Recognized	$	4		—	$	2		—		—	$	1		—		—		—	$	7

	Impaired Originated Loans – As of December 31, 2011
	RE Mortgage				Home Equity				Auto		Other				Construction
(In thousands)	Resid.		Comm.		Lines		Loans		Indirect		Consumer		C&I		Resid.			Comm.		Total
With no related allowance recorded:
Recorded investment	$	6,921	$	61,205	$	5,101	$	224	$	424	$	39	$	8,473	$	1,809		$	571	$	84,767
Unpaid principal	$	8,663	$	72,408	$	8,519	$	528	$	777	$	56	$	9,229	$	2,857		$	916	$	103,953
Average recorded Investment	$	6,557	$	53,346	$	5,228	$	458	$	569	$	44	$	6,687	$	3,942		$	3,590	$	80,421
Interest income Recognized	$	58	$	2,235	$	99	$	7	$	15	$	2	$	381		—		$	4	$	2,801
With an allowance recorded:
Recorded investment	$	3,246	$	10,688	$	4,177	$	350	$	147	$	70	$	964	$	3,818		$	6,328	$	29,788
Unpaid principal	$	3,760	$	11,094	$	4,977	$	666	$	193	$	75	$	1,040	$	8,698		$	6,330	$	36,833
Related allowance	$	460	$	1,613	$	2,365	$	73	$	29	$	24	$	200	$	258		$	971	$	5,993
Average recorded Investment	$	4,611	$	10,019	$	4,770	$	215	$	407	$	52	$	1,023	$	2,334		$	3,578	$	27,009
Interest income Recognized	$	77	$	588	$	122	$	3	$	2	$	2	$	36	$	(16	)	$	387	$	1,201
	Impaired PNCI Loans – As of December 31, 2011
	RE Mortgage				Home Equity				Auto		Other				Construction
(In thousands)	Resid.		Comm.		Lines		Loans		Indirect		Consumer		C&I		Resid.			Comm.		Total
With no related allowance recorded:
Recorded investment		—		—	$	110	$	87		—		—	$	89		—			—	$	286
Unpaid principal		—		—	$	126	$	89		—		—	$	98		—			—	$	313
Average recorded Investment		—		—	$	55	$	44		—		—	$	45		—			—	$	144
Interest income Recognized		—		—	$	5	$	2		—		—	$	3		—			—	$	10
With an allowance recorded:
Recorded investment		—		—		—		—		—		—		—		—			—		—
Unpaid principal		—		—		—		—		—		—		—		—			—		—
Related allowance		—		—		—		—		—		—		—		—			—		—
Average recorded Investment		—		—		—		—		—		—		—		—			—		—
Interest income Recognized		—		—		—		—		—		—		—		—			—		—

	Impaired Originated Loans – As June 30, 2011
	RE Mortgage				Home Equity				Auto Indirect		Other Consum.		C&I		Construction					Total
(in thousands)	Resid.		Comm.		Lines		Loans								Resid.			Comm.
With no related allowance recorded:
Recorded investment	$	7,613	$	44,873	$	4,311	$	362	$	548	$	34	$	4,791	$	4,501		$	6,472	$	73,505
Unpaid principal	$	10,165	$	51,637	$	7,009	$	783	$	1,005	$	37	$	5,815	$	9,280		$	6,666	$	92,397
Average recorded Investment	$	6,903	$	45,180	$	4,833	$	527	$	631	$	42	$	4,846	$	5,288		$	6,541	$	74,791
Interest income Recognized	$	13	$	814	$	4	$	3	$	6	$	1	$	57	$	2		$	189	$	1,089
With an allowance recorded:
Recorded investment	$	3,679	$	20,861	$	3,960	$	130	$	388	$	59	$	594	$	1,749		$	857	$	32,277
Unpaid principal	$	4,069	$	23,516	$	4,603	$	295	$	476	$	63	$	743	$	2,706		$	906	$	37,377
Related allowance	$	955	$	2,181	$	1,408	$	129	$	113	$	22	$	206	$	286		$	509	$	5,809
Average recorded Investment	$	4,827	$	15,105	$	4,661	$	105	$	528	$	47	$	838	$	1,300		$	843	$	28,254
Interest income Recognized	$	17	$	408	$	24	$	1	$	2		—	$	8	($	18	)	$	6	$	448

Troubled Debt Restructuring

	TDR Information for the Three Months Ended June 30, 2012
	RE Mortgage					Home Equity						Auto Indirect		Other Consum.		C&I		Construction				Total
(In thousands)	Resid.			Comm.		Lines			Loans									Resid.		Comm.
Number		1			3		6			—			—		—		—		—		—		10
Pre-modification out-standing principal balance	$	71		$	1,050	$	817			—			—		—		—		—		—	$	1,938
Post-modification out-standing principal balance	$	72		$	1,050	$	857			—			—		—		—		—		—	$	1,979
Financial Impact due to troubled debt restructure taken as additional provision	$	(11	)	$	57	$	44			—			—		—		—		—		—	$	90
Number that defaulted during the period		—			3		1			1			—		—		2		1		—		8
Recorded investment of TDRs that defaulted during the period		—		$	1,046	$	274		$	46			—		—	$	1,124	$	97		—	$	2,587
Financial Impact due to the default of previous troubled debt restructure taken as charge-offs or additional provisions		—			—	$	(13	)	$	(1	)		—		—	$	50		—		—	$	36

	TDR Information for the Three Months Ended March 31, 2012
	RE Mortgage				Home Equity				Auto Indirect		Other Consum.		C&I		Construction				Total
(In thousands)	Resid.		Comm.		Lines		Loans								Resid.		Comm.
Number		2		7		2		—		—		1		1		2		—		15
Pre-modification out-standing principal balance	$	650	$	1,561	$	436		—		—	$	38	$	249	$	230		—	$	3,164
Post-modification out-standing principal balance	$	669	$	1,523	$	464		—		—	$	38	$	249	$	232		—	$	3,175
Financial Impact due to troubled debt restructure taken as additional provision		—		—	$	16		—		—		—		—		—		—	$	16
Number that defaulted during the period		1		4		—		—		—		—		—		—		1		6
Recorded investment of TDRs that defaulted during the period	$	112	$	2,632		—		—		—		—		—		—	$	39	$	2,783
Financial Impact due to the default of previous troubled debt restructure taken as charge-offs or additional provisions		—		—		—		—		—		—		—		—		—		—