Allowance for Loan Losses (Tables)
|
6 Months Ended |
Jun. 30, 2015 |
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.
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Allowance for Loan Losses – Three
Months Ended June 30, 2015 |
|
|
|
RE Mortgage |
|
|
Home Equity |
|
|
Auto |
|
|
Other |
|
|
|
|
|
Construction |
|
|
|
|
(in thousands) |
|
Resid. |
|
|
Comm. |
|
|
Lines |
|
|
Loans |
|
|
Indirect |
|
|
Consum. |
|
|
C&I |
|
|
Resid. |
|
|
Comm. |
|
|
Total |
|
Beginning balance
|
|
$ |
2,765 |
|
|
$ |
10,451 |
|
|
$ |
15,233 |
|
|
$ |
1,980 |
|
|
$ |
6 |
|
|
$ |
644 |
|
|
$ |
3,976 |
|
|
$ |
750 |
|
|
$ |
250 |
|
|
$ |
36,055 |
|
Charge-offs
|
|
|
(128 |
) |
|
|
— |
|
|
|
(84 |
) |
|
|
(117 |
) |
|
|
(4 |
) |
|
|
(176 |
) |
|
|
(5 |
) |
|
|
— |
|
|
|
— |
|
|
|
(514 |
) |
Recoveries
|
|
|
— |
|
|
|
53 |
|
|
|
230 |
|
|
|
6 |
|
|
|
16 |
|
|
|
107 |
|
|
|
121 |
|
|
|
— |
|
|
|
14 |
|
|
|
547 |
|
(Benefit) provision
|
|
|
198 |
|
|
|
(363 |
) |
|
|
(1,386 |
) |
|
|
259 |
|
|
|
(18 |
) |
|
|
130 |
|
|
|
310 |
|
|
|
92 |
|
|
|
145 |
|
|
|
(633 |
) |
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
Ending balance
|
|
$ |
2,835 |
|
|
$ |
10,141 |
|
|
$ |
13,993 |
|
|
$ |
2,128 |
|
|
|
— |
|
|
$ |
705 |
|
|
$ |
4,402 |
|
|
$ |
842 |
|
|
$ |
409 |
|
|
$ |
35,455 |
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|
Allowance for Loan Losses – Six
Months Ended June 30, 2015 |
|
|
|
RE Mortgage |
|
|
Home Equity |
|
|
Auto |
|
|
Other |
|
|
|
|
|
Construction |
|
|
|
|
(in thousands) |
|
Resid. |
|
|
Comm. |
|
|
Lines |
|
|
Loans |
|
|
Indirect |
|
|
Consum. |
|
|
C&I |
|
|
Resid. |
|
|
Comm. |
|
|
Total |
|
Beginning balance
|
|
$ |
3,086 |
|
|
$ |
9,227 |
|
|
$ |
15,676 |
|
|
$ |
1,797 |
|
|
$ |
9 |
|
|
$ |
719 |
|
|
$ |
4,226 |
|
|
$ |
1,434 |
|
|
$ |
411 |
|
|
$ |
36,585 |
|
Charge-offs
|
|
|
(209 |
) |
|
|
— |
|
|
|
(425 |
) |
|
|
(128 |
) |
|
|
(4 |
) |
|
|
(444 |
) |
|
|
(539 |
) |
|
|
— |
|
|
|
— |
|
|
|
(1,749 |
) |
Recoveries
|
|
|
1 |
|
|
|
149 |
|
|
|
349 |
|
|
|
9 |
|
|
|
36 |
|
|
|
259 |
|
|
|
208 |
|
|
|
11 |
|
|
|
33 |
|
|
|
1,055 |
|
(Benefit) provision
|
|
|
(43 |
) |
|
|
765 |
|
|
|
(1,607 |
) |
|
|
450 |
|
|
|
(41 |
) |
|
|
171 |
|
|
|
507 |
|
|
|
(603 |
) |
|
|
(35 |
) |
|
|
(436 |
) |
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
Ending balance
|
|
$ |
2,835 |
|
|
$ |
10,141 |
|
|
$ |
13,993 |
|
|
$ |
2,128 |
|
|
|
— |
|
|
$ |
705 |
|
|
$ |
4,402 |
|
|
$ |
842 |
|
|
$ |
409 |
|
|
$ |
35,455 |
|
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Ending balance:
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
Individ. evaluated for impairment
|
|
$ |
857 |
|
|
$ |
418 |
|
|
$ |
1,779 |
|
|
$ |
387 |
|
|
|
— |
|
|
$ |
128 |
|
|
$ |
676 |
|
|
|
— |
|
|
|
— |
|
|
$ |
4,245 |
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|
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|
Loans pooled for evaluation
|
|
$ |
1,884 |
|
|
$ |
8,390 |
|
|
$ |
11,798 |
|
|
$ |
1,741 |
|
|
|
— |
|
|
$ |
577 |
|
|
$ |
2,536 |
|
|
$ |
653 |
|
|
$ |
409 |
|
|
$ |
27,988 |
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Loans acquired with deteriorated credit quality
|
|
$ |
94 |
|
|
$ |
1,333 |
|
|
$ |
416 |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
$ |
1,190 |
|
|
$ |
189 |
|
|
|
— |
|
|
$ |
3,222 |
|
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|
|
|
|
|
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|
|
|
Loans, net of unearned fees – As
of June 30, 2015 |
|
|
|
RE Mortgage |
|
|
Home Equity |
|
|
Auto |
|
|
Other |
|
|
|
|
|
Construction |
|
|
|
|
(in thousands) |
|
Resid. |
|
|
Comm. |
|
|
Lines |
|
|
Loans |
|
|
Indirect |
|
|
Consum. |
|
|
C&I |
|
|
Resid. |
|
|
Comm. |
|
|
Total |
|
Ending balance:
|
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|
|
|
|
|
|
|
|
|
|
|
|
|
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|
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|
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|
|
|
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|
|
|
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|
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|
Total loans
|
|
$ |
291,488 |
|
|
$ |
1,395,079 |
|
|
$ |
344,115 |
|
|
$ |
34,572 |
|
|
|
— |
|
|
$ |
33,101 |
|
|
$ |
195,791 |
|
|
$ |
41,958 |
|
|
$ |
57,658 |
|
|
$ |
2,393,762 |
|
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|
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|
|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
Individ. evaluated for impairment
|
|
$ |
7,467 |
|
|
$ |
47,118 |
|
|
$ |
6,135 |
|
|
$ |
1,438 |
|
|
|
— |
|
|
$ |
403 |
|
|
$ |
2,048 |
|
|
$ |
328 |
|
|
$ |
88 |
|
|
$ |
65,025 |
|
|
|
|
|
|
|
|
|
|
|
|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Loans pooled for evaluation
|
|
$ |
280,147 |
|
|
$ |
1,320,440 |
|
|
$ |
329,788 |
|
|
$ |
32,372 |
|
|
|
— |
|
|
$ |
32,631 |
|
|
$ |
188,642 |
|
|
$ |
40,907 |
|
|
$ |
57,570 |
|
|
$ |
2,282,497 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Loans acquired with deteriorated credit quality
|
|
$ |
3,874 |
|
|
$ |
27,521 |
|
|
$ |
8,192 |
|
|
$ |
762 |
|
|
|
— |
|
|
$ |
67 |
|
|
$ |
5,101 |
|
|
$ |
723 |
|
|
|
— |
|
|
$ |
46,240 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Allowance for Loan Losses – Year
Ended December 31, 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
|
|
|
(171 |
) |
|
|
(110 |
) |
|
|
(1,094 |
) |
|
|
(29 |
) |
|
|
(3 |
) |
|
|
(599 |
) |
|
|
(479 |
) |
|
|
(4 |
) |
|
|
(69 |
) |
|
|
(2,558 |
) |
Recoveries
|
|
|
2 |
|
|
|
540 |
|
|
|
960 |
|
|
|
34 |
|
|
|
86 |
|
|
|
495 |
|
|
|
1,268 |
|
|
|
1,377 |
|
|
|
181 |
|
|
|
4,943 |
|
(Benefit) provision
|
|
|
101 |
|
|
|
(903 |
) |
|
|
(565 |
) |
|
|
584 |
|
|
|
(140 |
) |
|
|
234 |
|
|
|
(894 |
) |
|
|
(1,498 |
) |
|
|
(964 |
) |
|
|
(4,045 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Ending balance
|
|
$ |
3,086 |
|
|
$ |
9,227 |
|
|
$ |
15,676 |
|
|
$ |
1,797 |
|
|
$ |
9 |
|
|
$ |
719 |
|
|
$ |
4,226 |
|
|
$ |
1,434 |
|
|
$ |
411 |
|
|
$ |
36,585 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Ending balance:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Individ. evaluated for impairment
|
|
$ |
974 |
|
|
$ |
410 |
|
|
$ |
1,974 |
|
|
$ |
284 |
|
|
|
— |
|
|
$ |
142 |
|
|
$ |
423 |
|
|
$ |
60 |
|
|
|
— |
|
|
$ |
4,267 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Loans pooled for evaluation
|
|
$ |
1,915 |
|
|
$ |
8,408 |
|
|
$ |
13,251 |
|
|
$ |
1,513 |
|
|
$ |
9 |
|
|
$ |
572 |
|
|
$ |
2,569 |
|
|
$ |
332 |
|
|
$ |
322 |
|
|
$ |
28,891 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Loans acquired with deteriorated credit quality
|
|
$ |
197 |
|
|
$ |
409 |
|
|
$ |
451 |
|
|
|
— |
|
|
|
— |
|
|
$ |
5 |
|
|
$ |
1,234 |
|
|
$ |
1,042 |
|
|
$ |
89 |
|
|
$ |
3,427 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Loans, net of unearned fees – As
of December 31, 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
|
|
$ |
279,420 |
|
|
$ |
1,335,939 |
|
|
$ |
352,584 |
|
|
$ |
31,314 |
|
|
$ |
112 |
|
|
$ |
33,074 |
|
|
$ |
174,945 |
|
|
$ |
38,618 |
|
|
$ |
35,518 |
|
|
$ |
2,282,524 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Individ. evaluated for impairment
|
|
$ |
7,188 |
|
|
$ |
41,932 |
|
|
$ |
6,968 |
|
|
$ |
1,278 |
|
|
$ |
18 |
|
|
$ |
323 |
|
|
$ |
1,757 |
|
|
$ |
2,683 |
|
|
$ |
99 |
|
|
$ |
62,246 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Loans pooled for evaluation
|
|
$ |
268,227 |
|
|
$ |
1,263,090 |
|
|
$ |
336,595 |
|
|
$ |
29,266 |
|
|
$ |
94 |
|
|
$ |
32,677 |
|
|
$ |
165,753 |
|
|
$ |
35,260 |
|
|
$ |
36,419 |
|
|
$ |
2,167,381 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Loans acquired with deteriorated credit quality
|
|
$ |
4,005 |
|
|
$ |
30,917 |
|
|
$ |
9,021 |
|
|
$ |
770 |
|
|
|
— |
|
|
$ |
74 |
|
|
$ |
7,435 |
|
|
$ |
675 |
|
|
|
— |
|
|
$ |
52,897 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Allowance for Loan Losses – Three
Months Ended June 30, 2014 |
|
|
|
RE Mortgage |
|
|
Home Equity |
|
|
Auto |
|
|
Other |
|
|
|
|
|
Construction |
|
|
|
|
(in thousands) |
|
Resid. |
|
|
Comm. |
|
|
Lines |
|
|
Loans |
|
|
Indirect |
|
|
Consum. |
|
|
C&I |
|
|
Resid. |
|
|
Comm. |
|
|
Total |
|
Beginning balance
|
|
$ |
2,980 |
|
|
$ |
9,875 |
|
|
$ |
16,366 |
|
|
$ |
1,291 |
|
|
$ |
45 |
|
|
$ |
590 |
|
|
$ |
4,136 |
|
|
$ |
1,501 |
|
|
$ |
1,538 |
|
|
$ |
38,322 |
|
Charge-offs
|
|
|
(1 |
) |
|
|
(45 |
) |
|
|
(677 |
) |
|
|
(11 |
) |
|
|
— |
|
|
|
(144 |
) |
|
|
(151 |
) |
|
|
— |
|
|
|
— |
|
|
|
(1,029 |
) |
Recoveries
|
|
|
— |
|
|
|
299 |
|
|
|
180 |
|
|
|
25 |
|
|
|
39 |
|
|
|
119 |
|
|
|
188 |
|
|
|
97 |
|
|
|
20 |
|
|
|
967 |
|
(Benefit) provision
|
|
|
(147 |
) |
|
|
(298 |
) |
|
|
2,186 |
|
|
|
106 |
|
|
|
(56 |
) |
|
|
(9 |
) |
|
|
234 |
|
|
|
(87 |
) |
|
|
(221 |
) |
|
|
1,708 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Ending balance
|
|
$ |
2,832 |
|
|
$ |
9,831 |
|
|
$ |
18,055 |
|
|
$ |
1,411 |
|
|
$ |
28 |
|
|
$ |
556 |
|
|
$ |
4,407 |
|
|
$ |
1,511 |
|
|
$ |
1,337 |
|
|
$ |
39,968 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Allowance for Loan Losses – Six
Months Ended June 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
|
|
|
(136 |
) |
|
|
(58 |
) |
|
|
(855 |
) |
|
|
(11 |
) |
|
|
— |
|
|
|
(271 |
) |
|
|
(390 |
) |
|
|
(4 |
) |
|
|
(69 |
) |
|
|
(1,794 |
) |
Recoveries
|
|
|
— |
|
|
|
471 |
|
|
|
509 |
|
|
|
27 |
|
|
|
51 |
|
|
|
302 |
|
|
|
1,061 |
|
|
|
608 |
|
|
|
135 |
|
|
|
3,164 |
|
(Benefit) provision
|
|
|
(186 |
) |
|
|
(282 |
) |
|
|
2,026 |
|
|
|
187 |
|
|
|
(89 |
) |
|
|
(64 |
) |
|
|
(595 |
) |
|
|
(652 |
) |
|
|
8 |
|
|
|
353 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Ending balance
|
|
$ |
2,832 |
|
|
$ |
9,831 |
|
|
$ |
18,055 |
|
|
$ |
1,411 |
|
|
$ |
28 |
|
|
$ |
556 |
|
|
$ |
4,407 |
|
|
$ |
1,511 |
|
|
$ |
1,337 |
|
|
$ |
39,968 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Ending balance:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Individ. evaluated for impairment
|
|
$ |
780 |
|
|
$ |
392 |
|
|
$ |
2,088 |
|
|
$ |
211 |
|
|
|
— |
|
|
$ |
3 |
|
|
$ |
405 |
|
|
$ |
61 |
|
|
|
— |
|
|
$ |
3,940 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Loans pooled for evaluation
|
|
$ |
1,869 |
|
|
$ |
8,605 |
|
|
$ |
15,466 |
|
|
$ |
1,199 |
|
|
$ |
27 |
|
|
$ |
553 |
|
|
$ |
2,534 |
|
|
$ |
720 |
|
|
$ |
779 |
|
|
$ |
31,752 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Loans acquired with deteriorated credit quality
|
|
$ |
185 |
|
|
$ |
835 |
|
|
$ |
499 |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
$ |
1,469 |
|
|
$ |
730 |
|
|
$ |
558 |
|
|
$ |
4,276 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Loans, net of unearned fees – As
of June 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
|
|
$ |
212,920 |
|
|
$ |
954,936 |
|
|
$ |
330,187 |
|
|
$ |
17,895 |
|
|
$ |
385 |
|
|
$ |
28,676 |
|
|
$ |
137,341 |
|
|
$ |
42,097 |
|
|
$ |
14,149 |
|
|
$ |
1,738,586 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Individ. evaluated for impairment
|
|
$ |
7,397 |
|
|
$ |
52,570 |
|
|
$ |
6,987 |
|
|
$ |
871 |
|
|
$ |
40 |
|
|
$ |
77 |
|
|
$ |
2,159 |
|
|
$ |
2,751 |
|
|
$ |
16 |
|
|
$ |
72,868 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Loans pooled for evaluation
|
|
$ |
201,680 |
|
|
$ |
872,399 |
|
|
$ |
313,843 |
|
|
$ |
16,412 |
|
|
$ |
345 |
|
|
$ |
28,529 |
|
|
$ |
129,207 |
|
|
$ |
37,844 |
|
|
$ |
14,068 |
|
|
$ |
1,614,327 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Loans acquired with deteriorated credit quality
|
|
$ |
3,843 |
|
|
$ |
29,967 |
|
|
$ |
9,357 |
|
|
$ |
612 |
|
|
|
— |
|
|
$ |
70 |
|
|
$ |
5,975 |
|
|
$ |
1,502 |
|
|
$ |
65 |
|
|
$ |
51,391 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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
June 30, 2015 |
|
|
|
RE Mortgage |
|
|
Home Equity |
|
|
Auto |
|
|
Other |
|
|
|
|
|
Construction |
|
|
|
|
(in thousands) |
|
Resid. |
|
|
Comm. |
|
|
Lines |
|
|
Loans |
|
|
Indirect |
|
|
Consum. |
|
|
C&I |
|
|
Resid. |
|
|
Comm. |
|
|
Total |
|
Originated loans:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass
|
|
$ |
165,857 |
|
|
$ |
977,037 |
|
|
$ |
290,529 |
|
|
$ |
26,015 |
|
|
|
— |
|
|
$ |
28,341 |
|
|
$ |
155,985 |
|
|
$ |
25,575 |
|
|
$ |
42,852 |
|
|
$ |
1,712,191 |
|
Special mention
|
|
|
1,311 |
|
|
|
10,479 |
|
|
|
3,046 |
|
|
|
1,160 |
|
|
|
— |
|
|
|
461 |
|
|
|
854 |
|
|
|
661 |
|
|
|
585 |
|
|
|
18,557 |
|
Substandard
|
|
|
6,455 |
|
|
|
31,534 |
|
|
|
8,121 |
|
|
|
2,048 |
|
|
|
— |
|
|
|
255 |
|
|
|
444 |
|
|
|
47 |
|
|
|
89 |
|
|
|
48,993 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total originated
|
|
$ |
173,623 |
|
|
$ |
1,019,050 |
|
|
$ |
301,696 |
|
|
$ |
29,223 |
|
|
|
— |
|
|
$ |
29,057 |
|
|
$ |
157,283 |
|
|
$ |
26,283 |
|
|
$ |
43,526 |
|
|
$ |
1,779,741 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
PNCI loans:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass
|
|
$ |
112,680 |
|
|
$ |
327,833 |
|
|
$ |
32,392 |
|
|
$ |
4,344 |
|
|
|
— |
|
|
$ |
3,670 |
|
|
$ |
32,100 |
|
|
$ |
14,952 |
|
|
$ |
14,132 |
|
|
$ |
542,103 |
|
Special mention
|
|
|
346 |
|
|
|
13,337 |
|
|
|
452 |
|
|
|
101 |
|
|
|
— |
|
|
|
88 |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
14,324 |
|
Substandard
|
|
|
965 |
|
|
|
7,338 |
|
|
|
1,383 |
|
|
|
142 |
|
|
|
— |
|
|
|
219 |
|
|
|
1,307 |
|
|
|
— |
|
|
|
— |
|
|
|
11,354 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total PNCI
|
|
$ |
113,991 |
|
|
$ |
348,508 |
|
|
$ |
34,227 |
|
|
$ |
4,587 |
|
|
|
— |
|
|
$ |
3,977 |
|
|
|
33,407 |
|
|
$ |
14,952 |
|
|
$ |
14,132 |
|
|
$ |
567,781 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
PCI loans
|
|
$ |
3,874 |
|
|
$ |
27,521 |
|
|
$ |
8,192 |
|
|
$ |
762 |
|
|
|
— |
|
|
$ |
67 |
|
|
$ |
5,101 |
|
|
$ |
723 |
|
|
|
— |
|
|
$ |
46,240 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total loans
|
|
$ |
291,488 |
|
|
$ |
1,395,079 |
|
|
$ |
344,115 |
|
|
$ |
34,572 |
|
|
|
— |
|
|
$ |
33,101 |
|
|
$ |
195,791 |
|
|
$ |
41,958 |
|
|
$ |
57,658 |
|
|
$ |
2,393,762 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Credit Quality Indicators – As of
December 31, 2014 |
|
|
|
RE Mortgage |
|
|
Home Equity |
|
|
Auto |
|
|
Other |
|
|
|
|
|
Construction |
|
|
|
|
(in thousands) |
|
Resid. |
|
|
Comm. |
|
|
Lines |
|
|
Loans |
|
|
Indirect |
|
|
Consum. |
|
|
C&I |
|
|
Resid. |
|
|
Comm. |
|
|
Total |
|
Originated loans:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass
|
|
$ |
146,949 |
|
|
$ |
883,102 |
|
|
$ |
292,244 |
|
|
$ |
20,976 |
|
|
$ |
66 |
|
|
$ |
27,396 |
|
|
$ |
124,707 |
|
|
$ |
18,112 |
|
|
$ |
24,436 |
|
|
$ |
1,537,988 |
|
Special mention
|
|
|
1,122 |
|
|
|
11,521 |
|
|
|
3,590 |
|
|
|
743 |
|
|
|
11 |
|
|
|
591 |
|
|
|
636 |
|
|
|
622 |
|
|
|
— |
|
|
|
18,836 |
|
Substandard
|
|
|
6,523 |
|
|
|
34,174 |
|
|
|
9,332 |
|
|
|
1,840 |
|
|
|
35 |
|
|
|
243 |
|
|
|
1,268 |
|
|
|
2,401 |
|
|
|
109 |
|
|
|
55,925 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total originated
|
|
$ |
154,594 |
|
|
$ |
928,797 |
|
|
$ |
305,166 |
|
|
$ |
23,559 |
|
|
$ |
112 |
|
|
$ |
28,230 |
|
|
$ |
126,611 |
|
|
$ |
21,135 |
|
|
$ |
24,545 |
|
|
$ |
1,612,749 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
PNCI loans:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass
|
|
$ |
119,643 |
|
|
$ |
359,537 |
|
|
$ |
36,531 |
|
|
$ |
6,813 |
|
|
|
— |
|
|
$ |
4,399 |
|
|
$ |
40,628 |
|
|
$ |
16,808 |
|
|
$ |
11,973 |
|
|
$ |
596,332 |
|
Special mention
|
|
|
547 |
|
|
|
12,979 |
|
|
|
936 |
|
|
|
147 |
|
|
|
— |
|
|
|
230 |
|
|
|
268 |
|
|
|
— |
|
|
|
— |
|
|
|
15,107 |
|
Substandard
|
|
|
631 |
|
|
|
3,709 |
|
|
|
930 |
|
|
|
25 |
|
|
|
— |
|
|
|
141 |
|
|
|
3 |
|
|
|
— |
|
|
|
— |
|
|
|
5,439 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total PNCI
|
|
$ |
120,821 |
|
|
$ |
376,225 |
|
|
$ |
38,397 |
|
|
$ |
6,985 |
|
|
|
— |
|
|
$ |
4,770 |
|
|
$ |
40,899 |
|
|
$ |
16,808 |
|
|
$ |
11,973 |
|
|
$ |
616,878 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
PCI loans
|
|
$ |
4,005 |
|
|
$ |
30,917 |
|
|
$ |
9,021 |
|
|
$ |
770 |
|
|
|
— |
|
|
$ |
74 |
|
|
$ |
7,435 |
|
|
$ |
675 |
|
|
|
— |
|
|
$ |
52,897 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total loans
|
|
$ |
279,420 |
|
|
$ |
1,335,939 |
|
|
$ |
352,584 |
|
|
$ |
31,314 |
|
|
$ |
112 |
|
|
$ |
33,074 |
|
|
$ |
174,945 |
|
|
$ |
38,618 |
|
|
$ |
36,518 |
|
|
$ |
2,282,524 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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 June 30, 2015 |
|
|
|
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
|
|
$ |
256 |
|
|
$ |
589 |
|
|
$ |
867 |
|
|
$ |
514 |
|
|
|
— |
|
|
$ |
44 |
|
|
$ |
589 |
|
|
$ |
407 |
|
|
|
— |
|
|
$ |
3,266 |
|
60-89 Days
|
|
|
375 |
|
|
|
2,874 |
|
|
|
488 |
|
|
|
166 |
|
|
|
— |
|
|
|
2 |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
3,905 |
|
> 90 Days
|
|
|
653 |
|
|
|
711 |
|
|
|
466 |
|
|
|
348 |
|
|
|
— |
|
|
|
57 |
|
|
|
76 |
|
|
|
14 |
|
|
|
— |
|
|
|
2,325 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total past due
|
|
$ |
1,284 |
|
|
$ |
4,174 |
|
|
$ |
1,821 |
|
|
$ |
1,028 |
|
|
|
— |
|
|
$ |
103 |
|
|
$ |
665 |
|
|
$ |
421 |
|
|
|
— |
|
|
$ |
9,496 |
|
Current
|
|
|
172,339 |
|
|
|
1,014,876 |
|
|
|
299,875 |
|
|
|
28,195 |
|
|
|
— |
|
|
|
28,954 |
|
|
|
156,618 |
|
|
|
25,862 |
|
|
$ |
43,526 |
|
|
|
1,770,245 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total orig. loans
|
|
$ |
173,623 |
|
|
$ |
1,019,050 |
|
|
$ |
301,696 |
|
|
$ |
29,223 |
|
|
|
— |
|
|
$ |
29,057 |
|
|
$ |
157,283 |
|
|
$ |
26,283 |
|
|
$ |
43,526 |
|
|
$ |
1,779,741 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
> 90 Days and still accruing
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Nonaccrual loans
|
|
$ |
3,914 |
|
|
$ |
14,957 |
|
|
$ |
3,246 |
|
|
$ |
1,262 |
|
|
|
— |
|
|
$ |
60 |
|
|
$ |
238 |
|
|
$ |
47 |
|
|
$ |
88 |
|
|
$ |
23,812 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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 June 30, 2015 |
|
|
|
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
|
|
|
— |
|
|
$ |
883 |
|
|
|
— |
|
|
$ |
42 |
|
|
|
— |
|
|
$ |
9 |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
$ |
934 |
|
60-89 Days
|
|
|
— |
|
|
|
— |
|
|
$ |
271 |
|
|
|
— |
|
|
|
— |
|
|
|
92 |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
363 |
|
> 90 Days
|
|
$ |
33 |
|
|
|
466 |
|
|
|
260 |
|
|
|
— |
|
|
|
— |
|
|
|
98 |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
857 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total past due
|
|
$ |
33 |
|
|
$ |
1,349 |
|
|
$ |
531 |
|
|
$ |
42 |
|
|
|
— |
|
|
$ |
199 |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
$ |
2,154 |
|
Current
|
|
|
113,958 |
|
|
|
347,159 |
|
|
|
33,696 |
|
|
|
4,545 |
|
|
|
— |
|
|
|
3,778 |
|
|
$ |
33,407 |
|
|
$ |
14,952 |
|
|
$ |
14,132 |
|
|
|
565,627 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total PNCI loans
|
|
$ |
113,991 |
|
|
$ |
348,508 |
|
|
$ |
34,227 |
|
|
$ |
4,587 |
|
|
|
— |
|
|
$ |
3,977 |
|
|
$ |
33,407 |
|
|
$ |
14,952 |
|
|
$ |
14,132 |
|
|
$ |
567,781 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
> 90 Days and still accruing
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Nonaccrual loans
|
|
$ |
622 |
|
|
$ |
4,316 |
|
|
$ |
733 |
|
|
$ |
61 |
|
|
|
— |
|
|
$ |
131 |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
$ |
5,863 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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, 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
|
|
$ |
1,296 |
|
|
$ |
735 |
|
|
$ |
2,066 |
|
|
$ |
615 |
|
|
$ |
4 |
|
|
$ |
64 |
|
|
$ |
739 |
|
|
|
— |
|
|
|
— |
|
|
$ |
5,519 |
|
60-89 Days
|
|
|
919 |
|
|
|
— |
|
|
|
296 |
|
|
|
192 |
|
|
|
— |
|
|
|
24 |
|
|
|
99 |
|
|
|
— |
|
|
|
— |
|
|
|
1,530 |
|
> 90 Days
|
|
|
100 |
|
|
|
900 |
|
|
|
754 |
|
|
|
202 |
|
|
|
17 |
|
|
|
46 |
|
|
|
61 |
|
|
|
— |
|
|
|
— |
|
|
|
2,080 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total past due
|
|
$ |
2,315 |
|
|
$ |
1,635 |
|
|
$ |
3,116 |
|
|
$ |
1,009 |
|
|
$ |
21 |
|
|
$ |
134 |
|
|
$ |
899 |
|
|
|
— |
|
|
|
— |
|
|
$ |
9,129 |
|
Current
|
|
|
152,279 |
|
|
|
927,162 |
|
|
|
302,050 |
|
|
|
22,550 |
|
|
|
91 |
|
|
|
28,096 |
|
|
|
125,712 |
|
|
$ |
21,135 |
|
|
$ |
24,545 |
|
|
|
1,603,620 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total orig. loans
|
|
$ |
154,594 |
|
|
$ |
928,797 |
|
|
$ |
305,166 |
|
|
$ |
23,559 |
|
|
$ |
112 |
|
|
$ |
28,230 |
|
|
$ |
126,611 |
|
|
$ |
21,135 |
|
|
$ |
24,545 |
|
|
$ |
1,612,749 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
> 90 Days and still accruing
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Nonaccrual loans
|
|
$ |
3,430 |
|
|
$ |
20,736 |
|
|
$ |
4,336 |
|
|
$ |
1,197 |
|
|
$ |
18 |
|
|
$ |
66 |
|
|
$ |
246 |
|
|
$ |
2,401 |
|
|
$ |
99 |
|
|
$ |
32,529 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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, 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
|
|
$ |
2,041 |
|
|
$ |
260 |
|
|
$ |
275 |
|
|
|
— |
|
|
|
— |
|
|
$ |
25 |
|
|
$ |
67 |
|
|
|
— |
|
|
|
— |
|
|
$ |
2,668 |
|
60-89 Days
|
|
|
24 |
|
|
|
— |
|
|
|
118 |
|
|
|
— |
|
|
|
— |
|
|
|
3 |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
145 |
|
> 90 Days
|
|
|
239 |
|
|
|
— |
|
|
|
73 |
|
|
$ |
25 |
|
|
|
— |
|
|
|
76 |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
413 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total past due
|
|
$ |
2,304 |
|
|
$ |
260 |
|
|
$ |
466 |
|
|
$ |
25 |
|
|
|
— |
|
|
$ |
104 |
|
|
$ |
67 |
|
|
|
— |
|
|
|
— |
|
|
$ |
3,226 |
|
Current
|
|
|
118,517 |
|
|
|
375,965 |
|
|
|
37,931 |
|
|
|
6,960 |
|
|
|
— |
|
|
|
4,666 |
|
|
|
40,832 |
|
|
$ |
16,808 |
|
|
$ |
11,973 |
|
|
|
613,652 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total PNCI loans
|
|
$ |
120,821 |
|
|
$ |
376,225 |
|
|
$ |
38,397 |
|
|
$ |
6,985 |
|
|
|
— |
|
|
$ |
4,770 |
|
|
$ |
40,899 |
|
|
$ |
16,808 |
|
|
$ |
11,973 |
|
|
$ |
616,878 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
> 90 Days and still accruing
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Nonaccrual loans
|
|
$ |
799 |
|
|
$ |
366 |
|
|
$ |
346 |
|
|
$ |
25 |
|
|
|
— |
|
|
$ |
110 |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
$ |
1,646 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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 Six Months Ended, June 30, 2015 |
|
|
|
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
|
|
$ |
3,770 |
|
|
$ |
40,294 |
|
|
$ |
2,475 |
|
|
$ |
779 |
|
|
|
— |
|
|
$ |
23 |
|
|
$ |
338 |
|
|
$ |
328 |
|
|
$ |
88 |
|
|
$ |
48,095 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Unpaid principal
|
|
$ |
5,901 |
|
|
$ |
44,441 |
|
|
$ |
5,340 |
|
|
$ |
1,256 |
|
|
|
— |
|
|
$ |
46 |
|
|
$ |
366 |
|
|
$ |
376 |
|
|
$ |
183 |
|
|
$ |
57,909 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Average recorded Investment
|
|
$ |
3,528 |
|
|
$ |
39,385 |
|
|
|
2,738 |
|
|
$ |
764 |
|
|
|
— |
|
|
$ |
31 |
|
|
$ |
375 |
|
|
$ |
1,364 |
|
|
$ |
94 |
|
|
$ |
48,279 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Interest income Recognized
|
|
$ |
19 |
|
|
$ |
795 |
|
|
$ |
2 |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
$ |
11 |
|
|
$ |
9 |
|
|
|
— |
|
|
$ |
836 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
With an allowance recorded:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Recorded investment
|
|
$ |
2,780 |
|
|
$ |
2,365 |
|
|
$ |
2,513 |
|
|
$ |
598 |
|
|
|
— |
|
|
$ |
37 |
|
|
$ |
1,706 |
|
|
|
— |
|
|
|
— |
|
|
$ |
9,999 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Unpaid principal
|
|
$ |
2,958 |
|
|
$ |
2,448 |
|
|
$ |
2,973 |
|
|
$ |
704 |
|
|
|
— |
|
|
$ |
47 |
|
|
$ |
1,808 |
|
|
|
— |
|
|
|
— |
|
|
$ |
10,938 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Related allowance
|
|
$ |
784 |
|
|
$ |
216 |
|
|
$ |
1,481 |
|
|
$ |
346 |
|
|
|
— |
|
|
$ |
15 |
|
|
$ |
676 |
|
|
|
— |
|
|
|
— |
|
|
$ |
3,518 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Average recorded Investment
|
|
$ |
2,752 |
|
|
$ |
2,654 |
|
|
$ |
2,849 |
|
|
$ |
551 |
|
|
|
— |
|
|
$ |
41 |
|
|
$ |
1,522 |
|
|
$ |
141 |
|
|
|
— |
|
|
$ |
10,510 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Interest income Recognized
|
|
$ |
40 |
|
|
$ |
56 |
|
|
$ |
25 |
|
|
$ |
3 |
|
|
|
— |
|
|
|
— |
|
|
$ |
42 |
|
|
|
— |
|
|
|
— |
|
|
$ |
166 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Impaired PNCI Loans – As of, or
for the Six Months Ended, June 30, 2015 |
|
|
|
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
|
|
$ |
290 |
|
|
$ |
3,633 |
|
|
$ |
637 |
|
|
$ |
20 |
|
|
|
— |
|
|
$ |
42 |
|
|
$ |
4 |
|
|
|
— |
|
|
|
— |
|
|
$ |
4,626 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Unpaid principal
|
|
$ |
316 |
|
|
$ |
3,713 |
|
|
$ |
696 |
|
|
$ |
22 |
|
|
|
— |
|
|
$ |
62 |
|
|
$ |
4 |
|
|
|
— |
|
|
|
— |
|
|
$ |
4,813 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Average recorded Investment
|
|
$ |
317 |
|
|
$ |
1,999 |
|
|
$ |
492 |
|
|
$ |
22 |
|
|
|
— |
|
|
$ |
40 |
|
|
$ |
5 |
|
|
|
— |
|
|
|
— |
|
|
$ |
2,875 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Interest income Recognized
|
|
$ |
3 |
|
|
$ |
74 |
|
|
$ |
1 |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
$ |
78 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
With an allowance recorded:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Recorded investment
|
|
$ |
627 |
|
|
$ |
826 |
|
|
$ |
511 |
|
|
$ |
41 |
|
|
|
— |
|
|
$ |
301 |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
$ |
2,306 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Unpaid principal
|
|
$ |
643 |
|
|
$ |
836 |
|
|
$ |
512 |
|
|
$ |
42 |
|
|
|
— |
|
|
$ |
301 |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
$ |
2,334 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Related allowance
|
|
$ |
72 |
|
|
$ |
203 |
|
|
$ |
298 |
|
|
$ |
41 |
|
|
|
— |
|
|
$ |
113 |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
$ |
727 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Average recorded Investment
|
|
$ |
731 |
|
|
$ |
486 |
|
|
$ |
474 |
|
|
$ |
20 |
|
|
|
— |
|
|
$ |
261 |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
$ |
1,972 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Interest income Recognized
|
|
$ |
4 |
|
|
$ |
12 |
|
|
$ |
9 |
|
|
|
— |
|
|
|
— |
|
|
$ |
6 |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
$ |
31 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Impaired Originated Loans – As of
December 31, 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
|
|
$ |
3,287 |
|
|
$ |
38,477 |
|
|
$ |
3,001 |
|
|
$ |
750 |
|
|
$ |
14 |
|
|
$ |
25 |
|
|
$ |
412 |
|
|
$ |
2,401 |
|
|
$ |
99 |
|
|
$ |
48,466 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Unpaid principal
|
|
$ |
5,138 |
|
|
$ |
41,949 |
|
|
$ |
6,094 |
|
|
$ |
1,187 |
|
|
$ |
49 |
|
|
$ |
32 |
|
|
$ |
433 |
|
|
$ |
6,588 |
|
|
$ |
190 |
|
|
$ |
61,660 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Average recorded Investment
|
|
$ |
3,826 |
|
|
$ |
45,915 |
|
|
$ |
3,355 |
|
|
$ |
651 |
|
|
$ |
35 |
|
|
$ |
21 |
|
|
$ |
1,030 |
|
|
$ |
2,437 |
|
|
$ |
84 |
|
|
$ |
57,354 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Interest income Recognized
|
|
$ |
38 |
|
|
$ |
995 |
|
|
$ |
26 |
|
|
$ |
6 |
|
|
|
— |
|
|
$ |
1 |
|
|
$ |
26 |
|
|
|
— |
|
|
$ |
3 |
|
|
$ |
1,095 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
With an allowance recorded:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Recorded investment
|
|
$ |
2,724 |
|
|
$ |
2,943 |
|
|
$ |
3,185 |
|
|
$ |
504 |
|
|
$ |
4 |
|
|
$ |
41 |
|
|
$ |
1,338 |
|
|
$ |
282 |
|
|
|
— |
|
|
$ |
11,021 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Unpaid principal
|
|
$ |
2,865 |
|
|
$ |
3,101 |
|
|
$ |
3,533 |
|
|
$ |
597 |
|
|
$ |
6 |
|
|
$ |
41 |
|
|
$ |
1,438 |
|
|
$ |
282 |
|
|
|
— |
|
|
$ |
11,863 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Related allowance
|
|
$ |
797 |
|
|
$ |
302 |
|
|
$ |
1,769 |
|
|
$ |
284 |
|
|
|
— |
|
|
$ |
11 |
|
|
$ |
423 |
|
|
$ |
60 |
|
|
|
— |
|
|
$ |
3,646 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Average recorded Investment
|
|
$ |
2,677 |
|
|
$ |
4,119 |
|
|
$ |
2,982 |
|
|
$ |
365 |
|
|
$ |
4 |
|
|
$ |
25 |
|
|
$ |
1,428 |
|
|
$ |
283 |
|
|
$ |
55 |
|
|
$ |
11,938 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Interest income Recognized
|
|
$ |
91 |
|
|
$ |
144 |
|
|
$ |
71 |
|
|
$ |
13 |
|
|
|
— |
|
|
|
— |
|
|
$ |
71 |
|
|
$ |
19 |
|
|
|
— |
|
|
$ |
409 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Impaired PNCI Loans – As of
December 31, 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
|
|
$ |
343 |
|
|
$ |
366 |
|
|
$ |
346 |
|
|
$ |
25 |
|
|
|
— |
|
|
$ |
37 |
|
|
$ |
7 |
|
|
|
— |
|
|
|
— |
|
|
$ |
1,124 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Unpaid principal
|
|
$ |
353 |
|
|
$ |
2,620 |
|
|
$ |
374 |
|
|
$ |
25 |
|
|
|
— |
|
|
$ |
54 |
|
|
$ |
7 |
|
|
|
— |
|
|
|
— |
|
|
$ |
3,433 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Average recorded Investment
|
|
$ |
246 |
|
|
$ |
753 |
|
|
$ |
287 |
|
|
$ |
12 |
|
|
|
— |
|
|
$ |
36 |
|
|
$ |
10 |
|
|
|
— |
|
|
|
— |
|
|
$ |
1,344 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Interest income Recognized
|
|
$ |
14 |
|
|
|
— |
|
|
$ |
(1 |
) |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
$ |
1 |
|
|
|
— |
|
|
|
— |
|
|
$ |
14 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
With an allowance recorded:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Recorded investment
|
|
$ |
834 |
|
|
$ |
146 |
|
|
$ |
436 |
|
|
|
— |
|
|
|
— |
|
|
$ |
220 |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
$ |
1,636 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Unpaid principal
|
|
$ |
852 |
|
|
$ |
146 |
|
|
$ |
436 |
|
|
|
— |
|
|
|
— |
|
|
$ |
220 |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
$ |
1,654 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Related allowance
|
|
$ |
177 |
|
|
$ |
108 |
|
|
$ |
205 |
|
|
|
— |
|
|
|
— |
|
|
$ |
131 |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
$ |
621 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Average recorded Investment
|
|
$ |
516 |
|
|
$ |
148 |
|
|
$ |
319 |
|
|
|
— |
|
|
|
— |
|
|
$ |
124 |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
$ |
1,107 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Interest income Recognized
|
|
$ |
8 |
|
|
$ |
8 |
|
|
$ |
20 |
|
|
|
— |
|
|
|
— |
|
|
$ |
12 |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
$ |
48 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Impaired Originated Loans – As
of, or for the Six Months Ended, June 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
|
|
$ |
4,002 |
|
|
$ |
48,781 |
|
|
$ |
2,641 |
|
|
$ |
626 |
|
|
$ |
33 |
|
|
$ |
16 |
|
|
$ |
1,151 |
|
|
$ |
2,468 |
|
|
$ |
16 |
|
|
$ |
59,734 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Unpaid principal
|
|
$ |
6,227 |
|
|
$ |
51,862 |
|
|
$ |
5,592 |
|
|
$ |
1,032 |
|
|
$ |
70 |
|
|
$ |
22 |
|
|
$ |
1,174 |
|
|
$ |
6,689 |
|
|
$ |
99 |
|
|
$ |
72,767 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Average recorded Investment
|
|
$ |
4,228 |
|
|
$ |
54,387 |
|
|
$ |
3,419 |
|
|
$ |
540 |
|
|
$ |
49 |
|
|
$ |
21 |
|
|
$ |
1,266 |
|
|
$ |
1,904 |
|
|
$ |
43 |
|
|
$ |
65,857 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Interest income Recognized
|
|
$ |
23 |
|
|
$ |
651 |
|
|
$ |
5 |
|
|
$ |
1 |
|
|
|
— |
|
|
|
— |
|
|
$ |
31 |
|
|
|
— |
|
|
|
— |
|
|
$ |
711 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
With an allowance recorded:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Recorded investment
|
|
$ |
2,821 |
|
|
$ |
3,163 |
|
|
$ |
3,559 |
|
|
$ |
245 |
|
|
$ |
7 |
|
|
|
— |
|
|
$ |
998 |
|
|
$ |
283 |
|
|
|
— |
|
|
$ |
11,076 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Unpaid principal
|
|
$ |
2,893 |
|
|
$ |
3,324 |
|
|
$ |
4,231 |
|
|
$ |
325 |
|
|
$ |
10 |
|
|
|
— |
|
|
$ |
1,041 |
|
|
$ |
283 |
|
|
|
— |
|
|
$ |
12,107 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Related allowance
|
|
$ |
625 |
|
|
$ |
282 |
|
|
$ |
1,810 |
|
|
$ |
211 |
|
|
|
— |
|
|
|
— |
|
|
$ |
405 |
|
|
$ |
61 |
|
|
|
— |
|
|
$ |
3,394 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Average recorded Investment
|
|
$ |
2,594 |
|
|
$ |
5,012 |
|
|
$ |
3,196 |
|
|
$ |
204 |
|
|
$ |
5 |
|
|
$ |
6 |
|
|
$ |
1,524 |
|
|
$ |
890 |
|
|
$ |
73 |
|
|
$ |
13,504 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Interest income Recognized
|
|
$ |
34 |
|
|
$ |
76 |
|
|
$ |
35 |
|
|
$ |
2 |
|
|
|
— |
|
|
|
— |
|
|
$ |
25 |
|
|
$ |
9 |
|
|
|
— |
|
|
$ |
181 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Impaired PNCI Loans – As of, or
for the Six Months Ended, June 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
|
|
$ |
144 |
|
|
$ |
478 |
|
|
$ |
320 |
|
|
|
— |
|
|
|
— |
|
|
$ |
33 |
|
|
$ |
10 |
|
|
|
— |
|
|
|
— |
|
|
$ |
985 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Unpaid principal
|
|
$ |
144 |
|
|
$ |
2,648 |
|
|
$ |
337 |
|
|
|
— |
|
|
|
— |
|
|
$ |
44 |
|
|
$ |
10 |
|
|
|
— |
|
|
|
— |
|
|
$ |
3,183 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Average recorded Investment
|
|
$ |
94 |
|
|
$ |
822 |
|
|
$ |
291 |
|
|
|
— |
|
|
|
— |
|
|
$ |
35 |
|
|
$ |
12 |
|
|
|
— |
|
|
|
— |
|
|
$ |
1,254 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Interest income Recognized
|
|
$ |
6 |
|
|
|
— |
|
|
$ |
(1 |
) |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
$ |
5 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
With an allowance recorded:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Recorded investment
|
|
$ |
430 |
|
|
$ |
148 |
|
|
$ |
467 |
|
|
|
— |
|
|
|
— |
|
|
$ |
28 |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
$ |
1,073 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Unpaid principal
|
|
$ |
442 |
|
|
$ |
148 |
|
|
$ |
476 |
|
|
|
— |
|
|
|
— |
|
|
$ |
28 |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
$ |
1,094 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Related allowance
|
|
$ |
155 |
|
|
$ |
110 |
|
|
$ |
278 |
|
|
|
— |
|
|
|
— |
|
|
$ |
3 |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
$ |
546 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Average recorded Investment
|
|
$ |
352 |
|
|
$ |
153 |
|
|
$ |
260 |
|
|
|
— |
|
|
|
— |
|
|
$ |
28 |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
$ |
793 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Interest income Recognized
|
|
$ |
4 |
|
|
$ |
4 |
|
|
$ |
8 |
|
|
|
— |
|
|
|
— |
|
|
$ |
1 |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
$ |
17 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Troubled Debt Restructurings |
The following table shows certain information regarding Troubled
Debt Restructurings (TDRs) that occurred during the period
indicated:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
TDR Information for the Three Months
Ended June 30, 2015 |
|
|
|
RE Mortgage |
|
|
Home Equity |
|
|
Auto |
|
|
Other |
|
|
|
|
|
Construction |
|
|
|
|
($ in thousands) |
|
Resid. |
|
|
Comm. |
|
|
Lines |
|
|
Loans |
|
|
Indirect |
|
|
Consum. |
|
|
C&I |
|
|
Resid. |
|
|
Comm. |
|
|
Total |
|
Number
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
1 |
|
|
|
— |
|
|
|
— |
|
|
|
2 |
|
|
|
— |
|
|
|
— |
|
|
|
3 |
|
Pre-mod outstanding principal balance
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
$ |
69 |
|
|
|
— |
|
|
|
— |
|
|
$ |
182 |
|
|
|
— |
|
|
|
— |
|
|
$ |
251 |
|
Post-mod outstanding principal balance
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
$ |
73 |
|
|
|
— |
|
|
|
— |
|
|
$ |
182 |
|
|
|
— |
|
|
|
— |
|
|
$ |
255 |
|
Financial impact due to TDR taken as additional provision
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
$ |
86 |
|
|
|
— |
|
|
|
— |
|
|
$ |
86 |
|
Number that defaulted during the period
|
|
|
1 |
|
|
|
1 |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
2 |
|
Recorded investment of TDRs that defaulted during the period
|
|
$ |
98 |
|
|
$ |
37 |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
$ |
135 |
|
Financial impact due to the default of previous TDR taken as
charge-offs or additional provisions
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
The following tables show certain information regarding TDRs that
occurred during the periods indicated:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
TDR Information for the Six Months
Ended June 30, 2015 |
|
|
|
RE Mortgage |
|
|
Home Equity |
|
|
Auto |
|
|
Other |
|
|
|
|
|
Construction |
|
|
|
|
(in thousands) |
|
Resid. |
|
|
Comm. |
|
|
Lines |
|
|
Loans |
|
|
Indirect |
|
|
Consum. |
|
|
C&I |
|
|
Resid. |
|
|
Comm. |
|
|
Total |
|
Number
|
|
|
1 |
|
|
|
1 |
|
|
|
— |
|
|
|
1 |
|
|
|
— |
|
|
|
2 |
|
|
|
3 |
|
|
|
— |
|
|
|
— |
|
|
|
8 |
|
Pre-mod outstanding principal balance
|
|
$ |
108 |
|
|
$ |
124 |
|
|
|
— |
|
|
$ |
69 |
|
|
|
— |
|
|
$ |
89 |
|
|
$ |
468 |
|
|
|
— |
|
|
|
— |
|
|
$ |
858 |
|
Post-mod outstanding principal balance
|
|
$ |
110 |
|
|
$ |
124 |
|
|
|
— |
|
|
$ |
74 |
|
|
|
— |
|
|
$ |
89 |
|
|
$ |
470 |
|
|
|
— |
|
|
|
— |
|
|
$ |
867 |
|
Financial impact due to TDR taken as additional provision
|
|
$ |
8 |
|
|
$ |
(5 |
) |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
$ |
5 |
|
|
$ |
249 |
|
|
|
— |
|
|
|
— |
|
|
$ |
257 |
|
Number that defaulted during the period
|
|
|
1 |
|
|
|
1 |
|
|
|
1 |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
3 |
|
Recorded investment of TDRs that defaulted during the period
|
|
$ |
98 |
|
|
$ |
37 |
|
|
$ |
46 |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
$ |
181 |
|
Financial impact due to the default of previous TDR taken as
charge-offs or additional provisions
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
|
|
TDR Information for the Three Months
Ended June 30, 2014 |
|
|
|
RE Mortgage |
|
|
Home Equity |
|
|
Auto |
|
|
Other |
|
|
|
|
|
Construction |
|
|
|
|
(in thousands) |
|
Resid. |
|
|
Comm. |
|
|
Lines |
|
|
Loans |
|
|
Indirect |
|
|
Consum. |
|
|
C&I |
|
|
Resid. |
|
|
Comm. |
|
|
Total |
|
Number
|
|
|
1 |
|
|
|
2 |
|
|
|
1 |
|
|
|
1 |
|
|
|
— |
|
|
|
— |
|
|
|
2 |
|
|
|
— |
|
|
|
— |
|
|
|
7 |
|
Pre-mod outstanding principal balance
|
|
$ |
112 |
|
|
$ |
568 |
|
|
$ |
200 |
|
|
$ |
32 |
|
|
|
— |
|
|
|
— |
|
|
$ |
34 |
|
|
|
— |
|
|
|
— |
|
|
$ |
946 |
|
Post-mod outstanding principal balance
|
|
$ |
112 |
|
|
$ |
571 |
|
|
$ |
212 |
|
|
$ |
33 |
|
|
|
— |
|
|
|
— |
|
|
$ |
34 |
|
|
|
— |
|
|
|
— |
|
|
$ |
962 |
|
Financial impact due to TDR taken as additional provision
|
|
|
— |
|
|
$ |
8 |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
$ |
4 |
|
|
|
— |
|
|
|
— |
|
|
$ |
12 |
|
Number that defaulted during the period
|
|
|
1 |
|
|
|
1 |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
2 |
|
Recorded investment of TDRs that defaulted during the period
|
|
$ |
152 |
|
|
$ |
163 |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
$ |
315 |
|
Financial impact due to the default of previous TDR taken as
charge-offs or additional provisions
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
|
|
TDR Information for the Six Months
Ended June 30, 2014 |
|
|
|
RE Mortgage |
|
|
Home Equity |
|
|
Auto |
|
|
Other |
|
|
|
|
|
Construction |
|
|
|
|
(in thousands) |
|
Resid. |
|
|
Comm. |
|
|
Lines |
|
|
Loans |
|
|
Indirect |
|
|
Consum. |
|
|
C&I |
|
|
Resid. |
|
|
Comm. |
|
|
Total |
|
Number
|
|
|
3 |
|
|
|
4 |
|
|
|
3 |
|
|
|
1 |
|
|
|
— |
|
|
|
— |
|
|
|
3 |
|
|
|
1 |
|
|
|
1 |
|
|
|
16 |
|
Pre-mod outstanding principal balance
|
|
$ |
806 |
|
|
$ |
824 |
|
|
$ |
479 |
|
|
$ |
32 |
|
|
|
— |
|
|
|
— |
|
|
$ |
72 |
|
|
$ |
102 |
|
|
$ |
118 |
|
|
$ |
2,433 |
|
Post-mod outstanding principal balance
|
|
$ |
806 |
|
|
$ |
830 |
|
|
$ |
491 |
|
|
$ |
33 |
|
|
|
— |
|
|
|
— |
|
|
$ |
72 |
|
|
$ |
85 |
|
|
$ |
100 |
|
|
$ |
2,417 |
|
Financial impact due to TDR taken as additional provision
|
|
$ |
37 |
|
|
$ |
18 |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
$ |
21 |
|
|
|
— |
|
|
|
— |
|
|
$ |
76 |
|
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
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|