Allowance for Loan Losses (Tables)

9 Months Ended

Sep. 30, 2014

Receivables [Abstract]

Summary of Activity in Allowance for Loan Losses, and Ending Balance of Loans, Net of Unearned Fees for Periods Indicated

The following tables summarize the 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 September 30, 2014
	RE Mortgage						Home Equity						Auto			Other						Construction
(in thousands)	Resid.			Comm.			Lines			Loans			Indirect			Consum.			C&I			Resid.			Comm.			Total
Beginning balance	$	2,832		$	9,831		$	18,055		$	1,411		$	28		$	556		$	4,407		$	1,511		$	1,337		$	39,968
Charge-offs		(31	)		(49	)		(136	)		—			—			(118	)		(11	)		—			—			(345	)
Recoveries		—			42			249			4			19			71			94			769			26			1,274
(Benefit) provision		51			(53	)		(1,239	)		229			(31	)		160			(428	)		(702	)		(964	)		(2,977	)
Ending balance	$	2,852		$	9,771		$	16,929		$	1,644		$	16		$	669		$	4,062		$	1,578		$	399		$	37,920
	Allowance for Loan Losses – Nine Months Ended September 30, 2014
	RE Mortgage						Home Equity						Auto			Other						Construction
(in thousands)	Resid.			Comm.			Lines			Loans			Indirect			Consum.			C&I			Resid.			Comm.			Total
Beginning balance	$	3,154		$	9,700		$	16,375		$	1,208		$	66		$	589		$	4,331		$	1,559		$	1,263		$	38,245
Charge-offs		(167	)		(107	)		(991	)		(11	)		—			(389	)		(401	)		(4	)		(69	)		(2,139	)
Recoveries		—			513			758			31			70			373			1,155			1,377			161			4,438
(Benefit) provision		(135	)		(335	)		787			416			(120	)		96			(1,023	)		(1,354	)		(956	)		(2,624	)
Ending balance	$	2,852		$	9,771		$	16,929		$	1,644		$	16		$	669		$	4,062		$	1,578		$	399		$	37,920
Ending balance:
Individ. evaluated for impairment	$	902		$	413		$	2,001		$	213			—		$	69		$	433		$	60			—		$	4,091
Loans pooled for evaluation	$	1,765		$	9,182		$	14,428		$	1,431		$	16		$	600		$	2,354		$	349		$	295		$	30,420
Loans acquired with deteriorated credit quality	$	185		$	176		$	500			—			—			—		$	1,275		$	1,169		$	104		$	3,409
	Loans, net of unearned fees – As of September 30, 2014
	RE Mortgage						Home Equity						Auto			Other						Construction
(in thousands)	Resid.			Comm.			Lines			Loans			Indirect			Consum.			C&I			Resid.			Comm.			Total
Ending balance:
Total loans	$	228,407		$	985,746		$	321,942		$	22,378		$	212		$	29,088		$	135,085		$	24,386		$	18,627		$	1,765,871
Individ. evaluated for impairment	$	7,142		$	50,322		$	6,733		$	896		$	23		$	194		$	1,902		$	2,720		$	114		$	70,046
Loans pooled for evaluation	$	217,478		$	908,725		$	306,006		$	20,866		$	189		$	28,830		$	127,363		$	20,140		$	18,439		$	1,648,036
Loans acquired with deteriorated credit quality	$	3,787		$	26,699		$	9,203		$	616			—		$	64		$	5,820		$	1,526		$	74		$	47,789
	Allowance for Loan Losses – Year Ended December 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		(46	)		(2,038	)		(2,651	)		(94	)		(68	)		(887	)		(1,599	)		(20	)		(140	)		(7,543	)
Recoveries		345			994			1,053			41			195			759			340			63			65			3,855
(Benefit) provision		(668	)		1,962			(3,394	)		106			(304	)		21			887			116			559			(715	)
Ending balance	$	3,154		$	9,700		$	16,375		$	1,208		$	66		$	589		$	4,331		$	1,559		$	1,263		$	38,245
Ending balance:
Individ. evaluated for impairment	$	775		$	1,198		$	1,140		$	169		$	1		$	8		$	585		$	91		$	8		$	3,975
Loans pooled for evaluation	$	2,039		$	7,815		$	14,749		$	1,039		$	65		$	581		$	2,402		$	751		$	789		$	30,230
Loans acquired with deteriorated credit quality	$	340		$	687		$	486			—			—			—		$	1,344		$	717		$	466		$	4,040

	Loans, net of unearned fees – As of December 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	$	195,013		$	912,850		$	339,866		$	14,588		$	946		$	27,763		$	131,878		$	31,933		$	17,170		$	1,672,007
Individ. evaluated for impairment	$	7,342		$	59,936		$	6,918		$	778		$	60		$	90		$	3,177		$	2,756		$	178		$	81,235
Loans pooled for evaluation	$	183,015		$	822,654		$	322,865		$	13,324		$	886		$	27,592		$	122,166		$	27,611		$	16,947		$	1,537,060
Loans acquired with deteriorated credit quality	$	4,656		$	30,260		$	10,083		$	486			—		$	81		$	6,535		$	1,566		$	45		$	53,712
	Allowance for Loan Losses – Three months ended September 30, 2013
	RE Mortgage						Home Equity						Auto			Other						Construction
(In thousands)	Resid.			Comm.			Lines			Loans			Indirect			Consum.			C&I			Resid.			Comm.			Total
Beginning balance	$	3,231		$	8,764		$	18,710		$	1,109		$	114		$	567		$	4,929		$	1,288		$	887		$	39,599
Charge-offs		(4	)		(23	)		(331	)		(30	)		(9	)		(239	)		(318	)		—			(31	)		(985	)
Recoveries		154			295			304			3			34			199			108			2			20			1,119
(Benefit) provision		(190	)		704			(871	)		(50	)		(58	)		7			(234	)		157			142			(393	)
Ending balance	$	3,191		$	9,740		$	17,812		$	1,032		$	81		$	534		$	4,485		$	1,447		$	1,018		$	39,340
	Allowance for Loan Losses – As of and nine months ended September 30, 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		(46	)		(1,712	)		(1,843	)		(56	)		(67	)		(724	)		(1,143	)		(20	)		(92	)		(5,703	)
Recoveries		345			965			809			29			180			601			244			63			46			3,282
(Benefit) provision		(631	)		1,705			(2,521	)		(96	)		(275	)		(39	)		681			4			285			(887	)
Ending balance	$	3,191		$	9,740		$	17,812		$	1,032		$	81		$	534		$	4,485		$	1,447		$	1,018		$	39,340
Ending balance:
Individ. evaluated for impairment	$	623		$	1,446		$	1,554		$	49		$	2		$	6		$	678		$	91		$	9		$	4,458
Loans pooled for evaluation	$	2,235		$	7,748		$	15,259		$	983		$	79		$	521		$	2,448		$	723		$	653		$	30,649
Loans acquired with deteriorated credit quality	$	333		$	546		$	999			—			—		$	7		$	1,359		$	633		$	356		$	4,233
	Loans, net of unearned fees – As of September 30, 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	$	197,129		$	894,346		$	346,348		$	13,730		$	1,351		$	28,282		$	133,616		$	27,601		$	14,648		$	1,657,051
Individ. evaluated for impairment	$	7,013		$	69,373		$	7,664		$	551		$	66		$	94		$	3,333		$	2,872		$	252		$	91,218
Loans pooled for evaluation	$	183,769		$	794,301		$	328,215		$	12,575		$	1,285		$	28,113		$	123,476		$	23,497		$	13,822		$	1,509,053
Loans acquired with deteriorated credit quality	$	6,347		$	30,672		$	10,469		$	604			—		$	75		$	6,807		$	1,232		$	574		$	56,780

Presentation of Credit Quality Indicators

The following tables present ending loan balances by loan category and risk grade for the periods indicated:

	Credit Quality Indicators – As of September 30, 2014
	RE Mortgage				Home Equity				Auto		Other				Construction
(in thousands)	Resid.		Comm.		Lines		Loans		Indirect		Consum.		C&I		Resid.		Comm.		Total
Originated loans:
Pass	$	133,922	$	857,171	$	288,680	$	19,402	$	145	$	26,639	$	126,554	$	19,565	$	18,380	$	1,490,458
Special mention		832		13,626		3,290		767		20		347		1,131		858		34		20,905
Substandard		7,100		36,180		9,025		1,440		47		215		1,106		2,437		139		57,689
Loss
Total originated	$	141,854	$	906,977	$	300,995	$	21,609	$	212	$	27,201	$	128,791	$	22,860	$	18,553	$	1,569,052
PNCI loans:
Pass	$	82,180	$	44,652	$	10,879	$	153		—	$	1,719	$	195		—		—	$	139,778
Special mention		—		4,697		229		—		—		38		279		—		—		5,243
Substandard		586		2,721		636		—		—		66		—		—		—		4,009
Total PNCI	$	82,766	$	52,070	$	11,744	$	153		—	$	1,823	$	474		—		—	$	149,030
PCI loans	$	3,787	$	26,699	$	9,203	$	616		—	$	64	$	5,820	$	1,526	$	74	$	47,789
Total loans	$	228,407	$	985,746	$	321,942	$	22,378	$	212	$	29,088	$	135,085	$	24,386	$	18,627	$	1,765,871
	Credit Quality Indicators – As of December 31, 2013
	RE Mortgage				Home Equity				Auto		Other				Construction
(in thousands)	Resid.		Comm.		Lines		Loans		Indirect		Consum.		C&I		Resid.		Comm.		Total
Originated loans:
Pass	$	121,969	$	768,596	$	302,232	$	12,284	$	717	$	24,653	$	121,580	$	25,836	$	16,571	$	1,394,438
Special mention		1,265		15,862		4,529		504		118		756		938		96		343		24,411
Substandard		6,648		40,454		9,446		1,061		111		196		2,122		4,435		211		64,684
Loss		—		—		—		—		—		3		10		—		—		13
Total originated	$	129,882	$	824,912	$	316,207	$	13,849	$	946	$	25,608	$	124,650	$	30,367	$	17,125	$	1,483,546
PNCI loans:
Pass	$	59,798	$	48,548	$	12,716	$	253		—	$	2,020	$	380		—		—	$	123,715
Special mention		—		5,810		195		—		—		18		313		—		—		6,336
Substandard		677		3,320		665		—		—		36		—		—		—		4,698
Total PNCI	$	60,475	$	57,678	$	13,576	$	253		—	$	2,074	$	693		—		—	$	134,749
PCI loans	$	4,656	$	30,260	$	10,083	$	486		—	$	81	$	6,535	$	1,566	$	45	$	53,712
Total loans	$	195,013	$	912,850	$	339,866	$	14,588	$	946	$	27,763	$	131,878	$	31,933	$	17,170	$	1,672,007

Analysis of Past Due and Nonaccrual Loans

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

	Analysis of Past Due and Nonaccrual Originated Loans – As of September 30, 2014
	RE Mortgage				Home Equity				Auto		Other				Construction
(in thousands)	Resid.		Comm.		Lines		Loans		Indirect		Consum.		C&I		Resid.		Comm.		Total
Originated loan balance:
Past due:
30-59 Days	$	112	$	933	$	1,692	$	202	$	2	$	81	$	414		—		—	$	3,436
60-89 Days		509		205		514		208		1		11		27		—		—		1,475
> 90 Days		591		1,490		521		127		20		10		99		—		102		2,960
Total past due	$	1,212	$	2,628	$	2,727	$	537	$	23	$	102	$	540		—	$	102	$	7,871
Current		140,642		904,349		298,268		21,072		189		27,099		128,251		22,860		18,451		1,561,181
Total orig. loans	$	141,854	$	906,977	$	300,995	$	21,609	$	212	$	27,201	$	128,791	$	22,860	$	18,553	$	1,569,052
> 90 Days and still accruing		—	$	360		—		—		—		—		—		—		—	$	360
Nonaccrual loans	$	4,018	$	21,471	$	4,257	$	838	$	23	$	19	$	312	$	2,437	$	114	$	33,489

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 September 30, 2014
	RE Mortgage				Home Equity				Auto		Other				Construction
(in thousands)	Resid.		Comm.		Lines		Loans		Indirect		Consum.		C&I		Resid.		Comm.		Total
PNCI loan balance:
Past due:
30-59 Days	$	192		—		—		—		—		—		—		—		—	$	192
60-89 Days		1,208		—		—		—		—		—		—		—		—		1,208
> 90 Days		—		—		36		—		—		—		—		—		—		36
Total past due	$	1,400		—	$	36		—		—		—		—		—		—	$	1,436
Current		81,366		52,070		11,708		153		—		1,823		474		—		—		147,594
Total PNCI loans	$	82,766	$	52,070	$	11,744	$	153		—	$	1,823	$	474		—		—	$	149,030
> 90 Days and still accruing		—		—		—		—		—		—		—		—		—		—
Nonaccrual loans	$	349	$	419	$	314		—		—	$	31		—		—		—	$	1,113
The following table shows the ending balance of current, past due, and nonaccrual originated loans by loan category as of the date indicated:
	Analysis of Past Due and Nonaccrual Originated Loans – As of December 31, 2013
	RE Mortgage				Home Equity				Auto		Other				Construction
(in thousands)	Resid.		Comm.		Lines		Loans		Indirect		Consum.		C&I		Resid.		Comm.		Total
Originated loan balance:
Past due:
30-59 Days	$	2,272	$	2,304	$	3,121	$	264	$	24	$	40	$	296		—		—	$	8,321
60-89 Days		284		—		1,070		16		1		16		76		—	$	198		1,661
> 90 Days		447		2,213		1,050		312		33		7		749	$	13		—		4,824
Total past due	$	3,003	$	4,517	$	5,241	$	592	$	58	$	63	$	1,121	$	13	$	198	$	14,806
Current		126,879		820,395		310,966		13,257		888		25,545		123,529		30,354		16,927		1,468,740
Total orig. loans	$	129,882	$	824,912	$	316,207	$	13,849	$	946		25,608	$	124,650	$	30,367	$	17,125	$	1,483,546
> 90 Days and still accruing		—		—		—		—		—		—		—		—		—		—
Nonaccrual loans	$	4,697	$	30,732	$	4,972	$	719	$	54	$	26	$	1,280	$	2,473	$	178	$	45,131
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, 2013
	RE Mortgage				Home Equity				Auto		Other				Construction
(in thousands)	Resid.		Comm.		Lines		Loans		Indirect		Consum.		C&I		Resid.		Comm.		Total
PNCI loan balance:
Past due:
30-59 Days	$	799	$	512	$	313		—		—	$	49		—		—		—	$	1,673
60-89 Days		—		352		38		—		—		—		—		—		—		390
> 90 Days		—		217		—		—		—		—		—		—		—		217
Total past due	$	799	$	1,081	$	351		—		—	$	49		—		—		—	$	2,280
Current		59,676		56,597		13,225	$	253		—		2,025	$	693		—		—		132,469
Total PNCI loans	$	60,475	$	57,678	$	13,576	$	253		—	$	2,074	$	693		—		—	$	134,749
> 90 Days and still accruing		—		—		—		—		—		—		—		—		—		—
Nonaccrual loans	$	262	$	1,139	$	429		—		—	$	36		—		—		—	$	1,866

Impaired Loans

Impaired originated loans are those where management has concluded that it is probable that the borrower will be unable to pay all amounts due under the contractual terms.

The following tables show the recorded investment (financial statement balance), unpaid principal balance, average recorded investment, and interest income recognized for impaired Originated and PNCI loans, segregated by those with no related allowance recorded and those with an allowance recorded for the periods indicated.

	Impaired Originated Loans – As of, or for the Nine Months Ended, September 30, 2014
	RE Mortgage				Home Equity				Auto		Other				Construction
(in thousands)	Resid.		Comm.		Lines		Loans		Indirect		Consum.		C&I		Resid.		Comm.		Total
With no related allowance recorded:
Recorded investment	$	3,576	$	46,412	$	2,655	$	657	$	23	$	18	$	789	$	2,437	$	114	$	56,681
Unpaid principal	$	5,671	$	49,609	$	5,645	$	1,082	$	60	$	25	$	806	$	6,686	$	198	$	69,782
Average recorded Investment	$	3,971	$	49,882	$	3,182	$	604	$	39	$	17	$	1,218	$	2,455	$	92	$	61,460
Interest income Recognized	$	29	$	999	$	14	$	1		—		—	$	37		—	$	3	$	1,083
With an allowance recorded:
Recorded investment	$	2,838	$	3,344	$	3,291	$	239		—		—	$	1,105	$	283		—	$	11,100
Unpaid principal	$	3,017	$	3,489	$	3,653	$	323		—		—	$	1,151	$	283		—	$	11,916
Related allowance	$	745	$	304	$	1,764	$	213		—		—	$	433	$	60		—	$	3,519
Average recorded Investment	$	2,734	$	4,320	$	3,035	$	233	$	2	$	5	$	1,311	$	283	$	55	$	11,978
Interest income Recognized	$	59	$	133	$	49	$	3		—		—	$	41	$	14		—	$	299
	Impaired PNCI Loans – As of, or for the Nine Months Ended, September 30, 2014
	RE Mortgage				Home Equity				Auto		Other				Construction
(in thousands)	Resid.		Comm.		Lines		Loans		Indirect		Consum.		C&I		Resid.		Comm.		Total
With no related allowance recorded:
Recorded investment	$	299	$	419	$	314		—		—	$	31	$	8		—		—	$	1,071
Unpaid principal	$	306	$	2,636	$	337		—		—	$	44	$	8		—		—	$	3,331
Average recorded Investment	$	224	$	779	$	270		—		—	$	34	$	10		—		—	$	1,317
Interest income Recognized	$	12		—		—		—		—		—	$	1		—		—	$	13
With an allowance recorded:
Recorded investment	$	429	$	147	$	473		—		—	$	145		—		—		—	$	1,194
Unpaid principal	$	442	$	147	$	473		—		—	$	145		—		—		—	$	1,207
Related allowance	$	158	$	109	$	237		—		—	$	69		—		—		—	$	573
Average recorded Investment	$	313	$	148	$	338		—		—	$	87		—		—		—	$	886
Interest income Recognized	$	6	$	6	$	16		—		—	$	8		—		—		—	$	36

	Impaired Originated Loans – As of, or for the Year Ended, December 31, 2013
	RE Mortgage				Home Equity				Auto		Other				Construction
(in thousands)	Resid.		Comm.		Lines		Loans		Indirect		Consum.		C&I		Resid.		Comm.		Total
With no related allowance recorded:
Recorded investment	$	4,366	$	53,352	$	3,710	$	552	$	55	$	16	$	1,648	$	2,473	$	69	$	66,241
Unpaid principal	$	6,489	$	58,894	$	7,299	$	1,249	$	123	$	21	$	1,665	$	6,611	$	138	$	82,489
Average recorded Investment	$	4,123	$	58,205	$	4,410	$	463	$	93	$	18	$	2,154	$	1,567	$	83	$	71,116
Interest income Recognized	$	336	$	3,361	$	352	$	36	$	12	$	1	$	113	$	108	$	7	$	4,326
With an allowance recorded:
Recorded investment	$	2,630	$	5,296	$	2,779	$	226	$	4	$	10	$	1,517	$	284	$	109	$	12,855
Unpaid principal	$	2,689	$	5,659	$	3,053	$	291	$	6	$	10	$	1,616	$	284	$	288	$	13,896
Related allowance	$	648	$	1,084	$	968	$	169	$	1	$	5	$	585	$	91	$	7	$	3,558
Average recorded Investment	$	2,245	$	6,077	$	3,064	$	141	$	12	$	7	$	1,817	$	1,499	$	188	$	15,050
Interest income Recognized	$	124	$	287	$	146	$	18	$	1	$	2	$	95	$	19	$	15	$	707
	Impaired PNCI Loans – As of, or for the Year Ended, December 31, 2013
	RE Mortgage				Home Equity				Auto		Other				Construction
(in thousands)	Resid.		Comm.		Lines		Loans		Indirect		Consum.		C&I		Resid.		Comm.		Total
With no related allowance recorded:
Recorded investment	$	148	$	1,139	$	227		—		—	$	36	$	12		—		—	$	1,562
Unpaid principal	$	158	$	3,323	$	287		—		—	$	45	$	12		—		—	$	3,825
Average recorded Investment	$	37	$	1,005	$	333		—		—	$	39	$	7		—		—	$	1,421
Interest income Recognized	$	11	$	233	$	21		—		—	$	5	$	1		—		—	$	271
With an allowance recorded:
Recorded investment	$	198	$	149	$	203		—		—	$	28		—		—		—	$	578
Unpaid principal	$	207	$	149	$	215		—		—	$	28		—		—		—	$	599
Related allowance	$	128	$	114	$	172		—		—	$	3		—		—		—	$	417
Average recorded Investment	$	275	$	250	$	162		—		—	$	29		—		—		—	$	716
Interest income Recognized	$	12	$	9	$	10		—		—	$	1		—		—		—	$	32
	Impaired Originated Loans – As of, or for the Nine Months Ended, September 30, 2013
	RE Mortgage				Home Equity				Auto		Other				Construction
(in thousands)	Resid.		Comm.		Lines		Loans		Indirect		Consum.		C&I		Resid.		Comm.		Total
With no related allowance recorded:
Recorded investment	$	4,195	$	61,418	$	3,938	$	442	$	61	$	19	$	1,161	$	2,588	$	68	$	73,890
Unpaid principal	$	6,320	$	67,314	$	7,445	$	1,131	$	135	$	32	$	1,182	$	7,345	$	68	$	90,972
Average recorded Investment	$	3,911	$	61,375	$	4,543	$	415	$	120	$	19	$	2,802	$	1,837	$	137	$	75,159
Interest income Recognized	$	246	$	2,644	$	268	$	21	$	10	$	2	$	61	$	81	$	1	$	3,334
With an allowance recorded:
Recorded investment	$	2,468	$	6,990	$	3,232	$	109	$	5	$	9	$	2,158	$	284	$	184	$	15,439
Unpaid principal	$	2,510	$	7,670	$	3,703	$	161	$	7	$	10	$	3,063	$	284	$	426	$	17,834
Related allowance	$	480	$	1,293	$	1,350	$	49	$	2	$	3	$	678	$	91	$	9	$	3,955
Average recorded Investment	$	2,304	$	5,568	$	3,722	$	126	$	19	$	12	$	2,519	$	1,438	$	242	$	15,950
Interest income Recognized	$	93	$	388	$	109	$	8		—	$	1	$	155	$	14	$	16	$	784

	Impaired PNCI Loans – As of, or for the Nine Months Ended, September 30, 2013
	RE Mortgage				Home Equity				Auto		Other				Construction
(in thousands)	Resid.		Comm.		Lines		Loans		Indirect		Consum.		C&I		Resid.		Comm.		Total
With no related allowance recorded:
Recorded investment		—	$	800	$	290		—		—	$	38	$	14		—		—	$	1,142
Unpaid principal		—	$	2,893	$	342		—		—	$	46	$	14		—		—	$	3,295
Average recorded Investment		—	$	1,088	$	367		—		—	$	30	$	4		—		—	$	1,489
Interest income Recognized		—	$	154	$	19		—		—	$	4		—		—		—	$	177
With an allowance recorded:
Recorded investment	$	350	$	165	$	204		—		—	$	28		—		—		—	$	747
Unpaid principal	$	366	$	165	$	214		—		—	$	28		—		—		—	$	773
Related allowance	$	193	$	133	$	179		—		—	$	10		—		—		—	$	515
Average recorded Investment	$	276	$	292	$	121		—		—	$	40		—		—		—	$	729
Interest income Recognized	$	18	$	7	$	9		—		—	$	1		—		—		—	$	35

Troubled Debt Restructurings

The following tables show certain information regarding TDRs that occurred during the periods indicated:

	TDR Information for the Three Months Ended September 30, 2014
	RE Mortgage				Home Equity				Auto		Other				Construction
(in thousands)	Resid.		Comm.		Lines		Loans		Indirect		Consum.		C&I		Resid.		Comm.		Total
Number		1		3		1		—		—		1		3		—		—		9
Pre-mod outstanding principal balance	$	48	$	1,156	$	198		—		—	$	147	$	94		—		—	$	1,643
Post-mod outstanding principal balance	$	50	$	1,059	$	200		—		—	$	147	$	95		—		—	$	1,551
Financial impact due to TDR taken as additional provision		—	$	4		—		—		—	$	66	$	34		—		—	$	104
Number that defaulted during the period		—		—		—		—		—		—		—		—		—		—
Recorded investment of TDRs that defaulted during the period		—		—		—		—		—		—		—		—		—		—
Financial impact due to the default of previous TDR taken as charge-offs or additional provisions		—		—		—		—		—		—		—		—		—		—

The following tables show certain information regarding Troubled Debt Restructurings (TDRs) that occurred during the periods indicated:

	TDR Information for the Nine Months Ended September 30, 2014
	RE Mortgage					Home Equity				Auto		Other					Construction
(in thousands)	Resid.			Comm.		Lines		Loans		Indirect		Consum.		C&I			Resid.		Comm.		Total
Number		4			7		4		1		—		1		6			1		1		25
Pre-mod outstanding principal balance	$	854		$	1,980	$	677	$	32		—	$	147	$	166		$	102	$	118	$	4,076
Post-mod outstanding principal balance	$	857		$	1,890	$	691	$	33		—	$	147	$	167		$	84	$	100	$	3,969
Financial impact due to TDR taken as additional provision	$	37		$	22		—		—		—	$	66	$	55			—		—	$	180
Number that defaulted during the period		1			2		—		—		—		—		1			—		—		4
Recorded investment of TDRs that defaulted during the period	$	152		$	423		—		—		—		—	$	116			—		—	$	691
Financial impact due to the default of previous TDR taken as charge-offs or additional provisions		—			—		—		—		—		—		($8	)		—		—		($8	)
	TDR Information for the Three Months Ended September 30, 2013
	RE Mortgage					Home Equity				Auto		Other					Construction
(in thousands)	Resid.			Comm.		Lines		Loans		Indirect		Consum.		C&I			Resid.		Comm.		Total
Number		4			1		3		—		—		—		5			—		—		13
Pre-mod outstanding principal balance	$	607		$	25	$	480		—		—		—	$	113			—		—	$	1,225
Post-mod outstanding principal balance	$	607		$	26	$	482		—		—		—	$	114			—		—	$	1,229
Financial impact due to TDR taken as additional provision		—		$	4	$	27		—		—		—	$	30			—		—	$	61
Number that defaulted during the period		—			3		2		—		—		—		—			—		—		5
Recorded investment of TDRs that defaulted during the period		—		$	674	$	100		—		—		—		—			—		—	$	774
Financial impact due to the default of previous TDR taken as charge-offs or additional provisions		—			—	$	7		—		—		—		—			—		—	$	7
	TDR Information for the Nine Months Ended September 30, 2013
	RE Mortgage					Home Equity				Auto		Other					Construction
(in thousands)	Resid.			Comm.		Lines		Loans		Indirect		Consum.		C&I			Resid.		Comm.		Total
Number		6			7		10		—		—		—		7			—		—		30
Pre-mod outstanding principal balance	$	1,039		$	4,580	$	1,062		—		—		—	$	221			—		—	$	6,902
Post-mod outstanding principal balance	$	1,043		$	4,581	$	1,069		—		—		—	$	222			—		—	$	6,915
Financial impact due to TDR taken as additional provision	$	151		$	26	$	220		—		—		—	$	88			—		—	$	485
Number that defaulted during the period		2			7		2		—		—		—		3			1		—		15
Recorded investment of TDRs that defaulted during the period	$	181		$	1,065	$	100		—		—		—	$	1,297		$	73		—	$	2,716
Financial impact due to the default of previous TDR taken as charge-offs or additional provisions	$	(3	)		—	$	7		—		—		—		—		$	5		—	$	9