Allowance for Loan Losses (Tables)

3 Months Ended

Mar. 31, 2013

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 – As of and three months ended March 31, 2013
	RE Mortgage						Home Equity						Auto			Other						Construction
(In thousands)	Resid.			Comm.			Lines			Loans			Indirect			Consum.			C&I			Resid.			Comm.			Total
Beginning balance	$	3,523		$	8,782		$	21,367		$	1,155		$	243		$	696		$	4,703		$	1,400		$	779		$	42,648
Charge-offs		(7	)		(803	)		(766	)		(26	)		(25	)		(273	)		(790	)		(20	)		(61	)		(2,771	)
Recoveries		—			353			290			9			85			224			70			61			6			1,098
(Benefit) provision		(173	)		1,078			(1,568	)		(1	)		(155	)		(84	)		252			(105	)		(352	)		(1,108	)
Ending balance	$	3,343		$	9,410		$	19,323		$	1,137		$	148		$	563		$	4,235		$	1,336		$	372		$	39,867
Ending balance:
Individ. evaluated for impairment	$	479		$	1,804		$	1,613		$	50		$	7		$	8		$	823		$	219		$	42		$	5,045
Loans pooled for evaluation	$	2,498		$	7,326		$	16,496		$	1,006		$	141		$	555		$	1,935		$	438		$	125		$	30,520
Loans acquired with deteriorated credit quality	$	366		$	280		$	1,214		$	81			—			—		$	1,477		$	679		$	205		$	4,302
	Loans, net of unearned fees – As of March 31, 2013
	RE Mortgage						Home Equity						Auto			Other						Construction
(In thousands)	Resid.			Comm.			Lines			Loans			Indirect			Consum.			C&I			Resid.			Comm.			Total
Ending balance:
Total loans	$	135,960		$	874,289		$	333,044		$	13,083		$	2,821		$	27,115		$	115,483		$	19,521		$	11,046		$	1,532,362
Individ. evaluated for impairment	$	6,238		$	64,812		$	8,721		$	576		$	176		$	97		$	5,867		$	3,410		$	343		$	90,240
Loans pooled for evaluation	$	124,712		$	777,466		$	311,258		$	12,304		$	2,645		$	26,993		$	101,187		$	11,088		$	9,566		$	1,377,219
Loans acquired with deteriorated credit quality	$	5,010		$	32,011		$	13,065		$	203			—		$	25		$	8,429		$	5,023		$	1,137		$	64,903
	Allowance for Loan Losses – As of and year ended December 31, 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		(1,558	)		(3,457	)		(8,042	)		(385	)		(83	)		(1,202	)		(1,251	)		(406	)		(100	)		(16,484	)
Recoveries		147			1,020			398			100			215			860			643			412			—			3,795
(Benefit) provision		2,530			(1,998	)		10,753			339			(104	)		106			(1,234	)		(423	)		(546	)		9,423
Ending balance	$	3,523		$	8,782		$	21,367		$	1,155		$	243		$	696		$	4,703		$	1,400		$	779		$	42,648
Ending balance:
Individ. evaluated for impairment	$	631		$	515		$	2,264		$	81		$	5		$	47		$	840		$	11		$	111		$	4,505
Loans pooled for evaluation	$	2,526		$	8,026		$	17,862		$	995		$	238		$	649		$	2,342		$	430		$	165		$	33,233
Loans acquired with deteriorated credit quality	$	366		$	241		$	1,241		$	79			—			—		$	1,521		$	959		$	503		$	4,910
	Loans, net of unearned fees – As of December 31, 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	$	131,684		$	878,446		$	342,025		$	13,557		$	3,816		$	26,713		$	135,528		$	18,459		$	14,595		$	1,564,823
Individ. evaluated for impairment	$	6,586		$	71,077		$	10,056		$	528		$	197		$	121		$	8,562		$	3,596		$	607		$	101,330
Loans pooled for evaluation	$	120,082		$	776,137		$	318,403		$	12,825		$	3,619		$	26,560		$	117,429		$	8,281		$	10,589		$	1,393,925
Loans acquired with deteriorated credit quality	$	5,016		$	31,232		$	13,566		$	204			—		$	32		$	9,537		$	6,582		$	3,399		$	69,568

	Allowance for Loan Losses – As of and three months ended March 31, 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		(223	)		(1,305	)		(2,625	)		(41	)		(40	)		(339	)		(281	)		(68	)		—		(4,922	)
Recoveries		-			36			63			3			57			255			50			—			—		464
Provision (benefit)		976			(1,967	)		6,336			204			343			(248	)		(1,764	)		(77	)		193		3,996
Ending balance	$	3,157		$	9,981		$	22,032		$	1,267		$	575		$	600		$	4,550		$	1,672		$	1,618	$	45,452
Ending balance:
Individ. evaluated for impairment	$	582		$	1,041		$	1,578		$	59		$	14		$	17		$	357		$	80		$	1,048	$	4,776
Loans pooled for evaluation	$	2,463		$	8,939		$	18,949		$	1,096		$	560		$	584		$	2,563		$	625		$	110	$	35,889
Loans acquired with deteriorated credit quality	$	113			—		$	1,505		$	111			—			—		$	1,630		$	967		$	461	$	4,787
	Loans, net of unearned fees – As of March 31, 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	$	130,500		$	816,859		$	350,062		$	14,559		$	8,397		$	23,671		$	128,343		$	22,364		$	16,330	$	1,511,085
Individ. evaluated for impairment	$	10,490		$	69,817		$	8,777		$	549		$	404		$	177		$	9,286		$	5,606		$	7,114	$	112,220
Loans pooled for evaluation	$	113,808		$	714,579		$	327,018		$	13,805		$	7,993		$	23,446		$	106,689		$	7,569		$	5,552	$	1,320,459
Loans acquired with deteriorated credit quality	$	6,202		$	32,463		$	14,267		$	205			—		$	48		$	12,368		$	9,189		$	3,664	$	78,406

Presentation of credit quality indicators

	Credit Quality Indicators – As of March 31, 2013
	RE Mortgage				Home Equity				Auto Indirect		Other Consumer		C&I		Construction
(In thousands)	Resid.		Comm.		Lines		Loans								Resid.		Comm.		Total
Originated loans:
Pass	$	116,293		686,714	$	288,765	$	11,508	$	2,185	$	24,007	$	96,302	$	10,487	$	9,200	$	1,245,461
Special mention		1,920		21,690		4,450		295		367		693		4,461		385		401		34,662
Substandard		7,662		63,892		10,423		730		269		126		5,512		3,626		308		92,548
Total Originated loans	$	125,875	$	772,296	$	303,638	$	12,533	$	2,821	$	24,826	$	106,275	$	14,498	$	9,909	$	1,372,671
PNCI loans:
Pass	$	4,532	$	62,804	$	15,292	$	347		—	$	2,162	$	760		—		—	$	85,897
Special mention		—		3,711		282		—		—		61		19		—		—		4,073
Substandard		543		3,467		767		—		—		41		—		—		—		4,818
Total PNCI loans	$	5,075	$	69,982	$	16,341	$	347		—	$	2,264	$	779		—		—	$	94,788
PCI loans	$	5,010	$	32,011	$	13,065	$	203		—	$	25	$	8,429	$	5,023	$	1,137	$	64,903
Total loans	$	135,960	$	874,289	$	333,044	$	13,083	$	2,821	$	27,115	$	115,483	$	19,521	$	11,046	$	1,532,362
	Credit Quality Indicators – As of December 31, 2012
	RE Mortgage				Home Equity				Auto Indirect		Other Consumer		C&I		Construction
(In thousands)	Resid.		Comm.		Lines		Loans								Resid.		Comm.		Total
Originated loans:
Pass	$	108,946	$	686,593	$	291,701	$	11,892	$	2,949	$	23,154	$	113,595	$	7,744	$	10,221	$	1,256,795
Special mention		3,122		21,184		6,955		555		531		958		3,224		285		356		37,170
Substandard		9,187		67,347		13,015		564		336		151		8,303		3,848		619		103,370
Total Originated loans	$	121,255	$	775,124	$	311,671	$	13,011	$	3,816	$	24,263	$	125,122	$	11,877	$	11,196	$	1,397,335
PNCI loans:
Pass	$	4,968	$	64,917	$	15,915	$	342		—	$	2,240	$	848		—		—	$	89,230
Special mention		—		5,249		193		—		—		104		21		—		—		5,567
Substandard		436		1,924		680		—		—		74		—		—		—		3,114
Loss		9		—		—		—		—		—		—		—		—		9
Total PNCI loans	$	5,413	$	72,090	$	16,788	$	342		—	$	2,418	$	869		—		—	$	97,920
PCI loans	$	5,016	$	31,232	$	13,566	$	204		—	$	32	$	9,537	$	6,582	$	3,399	$	69,568
Total loans	$	131,684	$	878,446	$	342,025	$	13,557	$	3,816	$	26,713	$	135,528	$	18,459	$	14,595	$	1,564,823

Analysis of past due and nonaccrual loans

	Analysis of Past Due and Nonaccrual Originated Loans – As of March 31, 2013
(In thousands)	RE Mortgage				Home Equity				Auto Indirect		Other Consumer		C&I		Construction
Originated loan balance:	Resid.		Comm.		Lines		Loans								Resid.		Comm.		Total
Past due:
30-59 Days	$	1,305	$	2,326	$	2,635	$	109	$	28	$	50	$	333		—		—	$	6,786
60-89 Days		650		265		1,226		—		36		9		35		—		—		2,221
> 90 Days		732		7,852		2,072		217		94		2		2,616		31		75		13,691
Total past due		2,687		10,443		5,933		326		158		61		2,984		31		75		22,698
Current		123,188		761,853		297,705		12,207		2,663		24,765		103,291		14,467		9,834		1,349,973
Total Originated loans	$	125,875	$	772,296	$	303,638	$	12,533	$	2,821	$	24,826	$	106,275	$	14,498	$	9,909	$	1,372,671
> 90 Days and still accruing	$	190		—		—		—		—		—		—		—		—	$	190
Nonaccrual loans	$	4,459	$	34,853	$	7,027	$	515	$	166	$	27	$	4,131	$	3,125	$	270	$	54,573

The following table shows the ending balance of current, past due, and nonaccrual PNCI loans by loan category as of the date indicated:

	Analysis of Past Due and Nonaccrual PNCI Loans – As of March 31, 2013
(In thousands)	RE Mortgage				Home Equity				Auto Indirect		Other Consumer		C&I		Construction
PNCI loan balance:	Resid.		Comm.		Lines		Loans								Resid.		Comm.		Total
Past due:
30-59 Days	$	1,709	$	526	$	857		—		—	$	1		—		—		—	$	3,093
60-89 Days		204		569		—		—		—		—		—		—		—		773
> 90 Days		43		—		—		—		—		—		—		—		—		43
Total past due		1,956		1,095		857		—		—		1		—		—		—		3,909
Current		3,119		68,887		15,484		347		—		2,263		779		—		—		90,879
Total PNCI loans	$	5,075	$	69,982	$	16,341	$	347		—	$	2,264	$	779		—		—	$	94,788
> 90 Days and still accruing		—		—		—		—		—		—		—		—		—		—
Nonaccrual loans	$	111	$	1,212	$	339		—		—	$	41		—		—		—	$	1,703

	Analysis of Past Due and Nonaccrual Originated Loans – As of December 31, 2012
(In thousands)	RE Mortgage				Home Equity				Auto Indirect		Other Consumer				Construction
Originated loan balance:	Resid.		Comm.		Lines		Loans						C&I		Resid.		Comm.		Total
Past due:
30-59 Days	$	1,702	$	2,695	$	3,371	$	67	$	77	$	67	$	1,848	$	309		—	$	10,136
60-89 Days		278		1,578		819		33		40		40		138		—		—		2,926
> 90 Days		674		13,829		3,395		217		79		14		4,782		42	$	94		23,126
Total past due		2,654		18,102		7,585		317		196		121		6,768		351		94		36,188
Current		118,601		757,022		304,086		12,694		3,620		24,142		118,354		11,526		11,102		1,361,147
Total Originated loans	$	121,255	$	775,124	$	311,671	$	13,011	$	3,816	$	24,263	$	125,122	$	11,877	$	11,196	$	1,397,335
> 90 Days and still accruing		—		—		—		—		—		—		—		—		—		—
Nonaccrual loans	$	4,781	$	37,220	$	8,486	$	465	$	174	$	49	$	6,750	$	3,312	$	532	$	61,769

The following table shows the ending balance of current, past due, and nonaccrual PNCI loans by loan category as of the date indicated:

	Analysis of Past Due and Nonaccrual PNCI Loans – As of December 31, 2012
(In thousands)	RE Mortgage				Home Equity				Auto Indirect		Other Consumer		C&I		Construction
PNCI loan balance:	Resid.		Comm.		Lines		Loans								Resid.		Comm.		Total
Past due:
30-59 Days	$	1,024	$	500	$	124		—		—	$	31		—		—		—	$	1,679
60-89 Days		—		—		63		—		—		—		—		—		—		63
> 90 Days		43		148		157		—		—		—		—		—		—		348
Total past due		1,067		648		344		—		—		31		—		—		—		2,090
Current		4,346		71,442		16,444	$	342		—		2,387	$	869		—		—		95,830
Total PNCI loans	$	5,413	$	72,090	$	16,788	$	342		—	$	2,418	$	869		—		—	$	97,920
> 90 Days and still accruing		—		—		—		—		—		—		—		—		—		—
Nonaccrual loans	$	113	$	1,218	$	403		—		—	$	42		—		—		—	$	1,776

Impaired loans

	Impaired Originated Loans – As of March 31, 2013
	RE Mortgage				Home Equity				Auto Indirect		Other Consumer		C&I		Construction
(In thousands)	Resid.		Comm.		Lines		Loans								Resid.		Comm.		Total
With no related allowance recorded:
Recorded investment	$	4,017	$	57,206	$	5,138	$	460	$	151	$	23	$	4,240	$	696	$	195	$	72,126
Unpaid principal	$	6,192	$	62,263	$	8,437	$	1,110	$	292	$	40	$	5,392	$	1,442	$	426	$	85,594
Average recorded Investment	$	3,769	$	61,619	$	4,690	$	411	$	157	$	21	$	4,239	$	2,125	$	240	$	77,271
Interest income Recognized	$	7	$	362	$	5		—	$	1		—	$	11		—		—	$	386
With an allowance recorded:
Recorded investment	$	2,025	$	5,816	$	3,244	$	116	$	25	$	4	$	1,626	$	2,713	$	149	$	15,718
Unpaid principal	$	2,252	$	6,095	$	4,086	$	166	$	32	$	4	$	1,680	$	6,680	$	181	$	21,176
Related allowance	$	447	$	1,296	$	1,576	$	50	$	7	$	4	$	823	$	219	$	42	$	4,464
Average recorded Investment	$	2,446	$	4,537	$	4,328	$	142	$	30	$	17	$	2,975	$	1,378	$	236	$	16,089
Interest income Recognized	$	15	$	47	$	16	$	1		—		—	$	19	$	5	$	1	$	104

	Impaired PNCI Loans – As of March 31, 2013
	RE Mortgage				Home Equity				Auto Indirect		Other Consumer		C&I		Construction
(In thousands)	Resid.		Comm.		Lines		Loans								Resid.		Comm.		Total
With no relatedallowance recorded:
Recorded investment		—	$	1,271	$	302		—		—	$	41		—		—		—	$	1,614
Unpaid principal		—	$	3,300	$	343		—		—	$	46		—		—		—	$	3,689
Average recorded Investment		—	$	1,370	$	334		—		—	$	21		—		—		—	$	1,725
Interest income Recognized		—	$	4		—		—		—		—		—		—		—	$	4
With anallowance recorded:
Recorded investment	$	197	$	519	$	37		—		—	$	29		—		—		—	$	782
Unpaid principal	$	224	$	519	$	41		—		—	$	29		—		—		—	$	813
Related allowance	$	32	$	508	$	37		—		—	$	4		—		—		—	$	581
Average recorded Investment	$	198	$	420	$	38		—		—	$	51		—		—		—	$	707
Interest income Recognized	$	1	$	7		—		—		—	$	1		—		—		—	$	9
	Impaired Originated Loans – As of December 31, 2012
	RE Mortgage				Home Equity				Auto Indirect		Other Consumer		C&I		Construction
(In thousands)	Resid.		Comm.		Lines		Loans								Resid.		Comm.		Total
With no relatedallowance recorded:
Recorded investment	$	3,520	$	66,031	$	4,241	$	361	$	163	$	19	$	4,238	$	3,554	$	284	$	82,411
Unpaid principal	$	5,349	$	70,709	$	6,691	$	781	$	311	$	40	$	4,613	$	8,227	$	484	$	97,205
Average recorded Investment	$	6,329	$	61,299	$	4,311	$	329	$	263	$	42	$	7,500	$	3,505	$	517	$	84,095
Interest income Recognized	$	71	$	2,513	$	58	$	1	$	3		—	$	73	$	20	$	10	$	2,749
With anallowance recorded:
Recorded investment	$	2,867	$	3,258	$	5,412	$	167	$	34	$	30	$	4,324	$	42	$	323	$	16,457
Unpaid principal	$	3,432	$	3,556	$	7,103	$	396	$	51	$	32	$	4,992	$	42	$	523	$	20,127
Related allowance	$	603	$	352	$	2,237	$	81	$	5	$	12	$	840	$	11	$	111	$	4,252
Average recorded Investment	$	3,890	$	7,841	$	6,331	$	317	$	102	$	49	$	2,800	$	1,543	$	6,570	$	29,443
Interest income Recognized	$	67	$	129	$	103	$	16	$	1	$	1	$	100	$	6	$	5	$	428

	Impaired PNCI Loans – As of December 31, 2012
	RE Mortgage				Home Equity				Auto Indirect		Other Consumer		C&I		Construction
(In thousands)	Resid.		Comm.		Lines		Loans								Resid.		Comm.		Total
With no relatedallowance recorded:
Recorded investment		—	$	1,468	$	365		—		—		—		—		—		—	$	1,833
Unpaid principal		—	$	3,452	$	586		—		—		—		—		—		—	$	4,038
Average recorded Investment	$	16	$	2,097	$	308	$	11		—	$	31	$	11		—		—	$	2,474
Interest income Recognized		—	$	133	$	5		—		—		—		—		—		—	$	138
With anallowance recorded:
Recorded investment	$	199	$	320	$	38		—		—	$	72		—		—		—	$	629
Unpaid principal	$	225	$	331	$	41		—		—	$	76		—		—		—	$	673
Related allowance	$	28	$	163	$	27		—		—	$	35		—		—		—	$	253
Average recorded Investment	$	213	$	121	$	148		—		—	$	43		—		—		—	$	525
Interest income Recognized	$	9	$	12	$	1		—		—	$	2		—		—		—	$	24
	Impaired Originated Loans – As of March 31, 2012
	RE Mortgage				Home Equity				Auto Indirect		Other Consumer		C&I		Construction
(In thousands)	Resid.		Comm.		Lines		Loans								Resid.		Comm.		Total
With no relatedallowance recorded:
Recorded investment	$	7,288	$	61,224	$	4,039	$	188	$	311	$	55	$	8,453	$	4,631	$	629	$	86,818
Unpaid principal	$	9,377	$	72,273	$	6,755	$	488	$	568	$	80	$	9,110	$	9,642	$	953	$	109,246
Average recorded Investment	$	8,079	$	52,833	$	5,053	$	479	$	467	$	44	$	6,597	$	5,315	$	3,570	$	82,437
Interest income Recognized	$	22	$	375	$	4	$	1	$	1		—	$	33		—	$	3	$	439
With anallowance recorded:
Recorded investment	$	3,040	$	6,521	$	4,332	$	361	$	93	$	45	$	833	$	975	$	6,485	$	22,685
Unpaid principal	$	3,524	$	7,010	$	5,389	$	720	$	117	$	47	$	873	$	2,071	$	6,523	$	26,274
Related allowance	$	559	$	1,043	$	1,498	$	59	$	14	$	17	$	357	$	78	$	1,048	$	4,673
Average recorded Investment	$	3,399	$	10,714	$	3,690	$	188	$	297	$	46	$	704	$	815	$	3,725	$	23,578
Interest income Recognized	$	6	$	62	$	11		—		—		—	$	7	$	2	$	94	$	182

	Impaired PNCI Loans – As of March 31, 2012
	RE Mortgage				Home Equity				Auto Indirect		Other Consumer		C&I		Construction
(In thousands)	Resid.		Comm.		Lines		Loans								Resid.		Comm.		Total
With no relatedallowance recorded:
Recorded investment		—	$	2,072	$	326		—		—	$	77		—		—		—	$	2,475
Unpaid principal		—	$	2,075	$	363		—		—	$	78		—		—		—	$	2,516
Average recorded
Investment		—	$	1,036	$	163		—		—	$	39		—		—		—	$	1,238
Interest income
Recognized		—	$	26		—		—		—	$	1		—		—		—	$	27
With anallowance recorded:
Recorded investment	$	162		—	$	80		—		—		—		—		—		—	$	242
Unpaid principal	$	162		—	$	84		—		—		—		—		—		—	$	246
Related allowance	$	23		—	$	80		—		—		—		—		—		—	$	103
Average recorded
Investment	$	81		—	$	40		—		—		—		—		—		—	$	121
Interest income
Recognized	$	3		—		—		—		—		—		—		—		—	$	3

Troubled debt restructuring

	TDR Information for the Three Months Ended March 31, 2013
	RE Mortgage				Home Equity				Auto Indirect		Other Consum.		C&I		Construction
(In thousands)	Resid.		Comm.		Lines		Loans								Resid.		Comm.		Total
Number		—		—		3		—		—		—		—		—		—		3
Pre-modification out-standing principal balance		—		—	$	257		—		—		—		—		—		—	$	257
Post-modification out-standing principal balance		—		—	$	260		—		—		—		—		—		—	$	260
Financial Impact due to troubled debt restructure taken as additional provision		—		—		—		—		—		—		—		—		—		—
Number that defaulted during the period		—		—		—		—		—		—		—		—		—		—
Recorded investment of
TDRs that defaulted during the period		—		—		—		—		—		—		—		—		—		—
Financial Impact due to the default of previous troubled debt restructure taken as charge-offs or additional provisions		—		—		—		—		—		—		—		—		—		—

	TDR Information for the Three Months Ended March 31, 2012
	RE Mortgage				Home Equity				Auto Indirect		Other Consum.		C&I		Construction
(In thousands)	Resid.		Comm.		Lines		Loans								Resid.		Comm.		Total
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		—		—		—		—		—		—		—		—		—		—