XML 18 R25.htm IDEA: XBRL DOCUMENT v2.4.1.9
Loans (Tables)
 3 Months Ended
Mar. 31, 2015
Accounts, Notes, Loans and Financing Receivable, Gross, Allowance, and Net [Abstract]  
Classes Of The Loan Portfolio Summarized By The Aggregate Risk Rating [Table Text Block]
The following table presents the classes of the loan portfolio summarized by the aggregate pass rating and the classified ratings of special mention, substandard, and doubtful within the Corporation’s internal risk rating system as of March 31, 2015, and December 31, 2014:
 
In thousands
 
Pass
 
Special 
Mention
 
Substandard
 
Doubtful
 
Total
MARCH 31, 2015
 
 

 
 

 
 

 
 

 
 

Commercial and industrial
 
$
86,650

 
$
2,581

 
$
2,063

 
$
—

 
$
91,294

Commercial real estate
 
244,790

 
25,345

 
16,092

 
—

 
286,227

Commercial real estate construction
 
12,312

 
1,730

 
538

 
—

 
14,580

Residential mortgage
 
346,772

 
4,952

 
2,006

 
—

 
353,730

Home equity lines of credit
 
53,859

 
625

 
80

 
—

 
54,564

Consumer
 
14,815

 
—

 
—

 
—

 
14,815

 
 
$
759,198

 
$
35,233

 
$
20,779

 
$
—

 
$
815,210

 
 
 
 
 
 
 
 
 
 
 
DECEMBER 31, 2014
 
 

 
 

 
 

 
 

 
 

Commercial and industrial
 
$
68,712

 
$
2,412

 
$
3,731

 
$
—

 
$
74,855

Commercial real estate
 
238,820

 
26,214

 
16,548

 
—

 
281,582

Commercial real estate construction
 
8,714

 
2,917

 
579

 
—

 
12,210

Residential mortgage
 
352,283

 
4,507

 
2,585

 
—

 
359,375

Home equity lines of credit
 
55,254

 
650

 
69

 
—

 
55,973

Consumer
 
15,277

 
—

 
—

 
—

 
15,277

 
 
$
739,060

 
$
36,700

 
$
23,512

 
$
—

 
$
799,272
Impaired Loans By Loan Portfolio Class [Table Text Block]
The following table summarizes information relative to impaired loans by loan portfolio class as of March 31, 2015, and December 31, 2014:
 
 
 
Impaired Loans with  Allowance
 
Impaired Loans with
No Allowance
In thousands
 
Recorded
Investment
 
Unpaid
Principal
Balance
 
Related
Allowance
 
Recorded
Investment
 
Unpaid
Principal
Balance
MARCH 31, 2015
 
 

 
 

 
 

 
 

 
 

Commercial and industrial
 
$
—

 
$
—

 
$
—

 
$
1,659

 
$
2,773

Commercial real estate
 
—

 
—

 
—

 
9,884

 
10,094

Commercial real estate construction
 
—

 
—

 
—

 
328

 
602

Residential mortgage
 
694

 
694

 
302

 
313

 
313

 
 
$
694

 
$
694

 
$
302

 
$
12,184

 
$
13,782

 
 
 
 
 
 
 
 
 
 
 
DECEMBER 31, 2014
 
 

 
 

 
 

 
 

 
 

Commercial and industrial
 
$
—

 
$
—

 
$
—

 
$
1,729

 
$
2,844

Commercial real estate
 
—

 
—

 
—

 
9,999

 
10,209

Commercial real estate construction
 
—

 
—

 
—

 
368

 
642

Residential mortgage
 
694

 
694

 
302

 
826

 
1,052

 
 
$
694

 
$
694

 
$
302

 
$
12,922

 
$
14,747
Average Of Impaired Loans And Related Interest Income By Loan Portfolio Class [Table Text Block]
The following table summarizes information in regards to the average of impaired loans and related interest income by loan portfolio class for the three months ended March 31, 2015 and 2014:
 
 
 
Impaired Loans with
Allowance
 
Impaired Loans with
No Allowance
In thousands
 
Average
Recorded
Investment
 
Interest
Income
 
Average
Recorded
Investment
 
Interest
Income
MARCH 31, 2015
 
 

 
 

 
 

 
 

Commercial and industrial
 
$
—

 
$
—

 
$
1,694

 
$
—

Commercial real estate
 
—

 
—

 
9,941

 
57

Commercial real estate construction
 
—

 
—

 
347

 
—

Residential mortgage
 
694

 
—

 
570

 
5

 
 
$
694

 
$
—

 
$
12,552

 
$
62

 
 
 
 
 
 
 
 
 
MARCH 31, 2014
 
 

 
 

 
 

 
 

Commercial and industrial
 
$
—

 
$
—

 
$
1,465

 
$
—

Commercial real estate
 
361

 
—

 
10,481

 
248

Commercial real estate construction
 
—

 
—

 
788

 
—

Residential mortgage
 
1,620

 
—

 
448

 
4

 
 
$
1,981

 
$
—

 
$
13,182

 
$
252
Nonaccrual Loans By Classes Of The Loan Portfolio [Table Text Block]
The following table presents nonaccrual loans by loan portfolio class as of March 31, 2015, and December 31, 2014: 

In thousands
 
March 31, 2015
 
December 31, 2014
Commercial and industrial
 
$
1,659

 
$
1,729

Commercial real estate
 
3,251

 
3,325

Commercial real estate construction
 
328

 
368

Residential mortgage
 
716

 
1,226

 
 
$
5,954

 
$
6,648
Troubled Debt Restructurings [Table Text Block]
The following table summarizes information relative to troubled debt restructurings by loan portfolio class as of March 31, 2015, and December 31, 2014:
 
In thousands
 
Pre-Modification
Outstanding  Recorded Investment
 
Post-Modification
Outstanding  Recorded Investment
 
Recorded
Investment at Period End
MARCH 31, 2015
 
 

 
 

 
 

Nonaccruing troubled debt restructurings:
 
 

 
 

 
 

Commercial and industrial
 
$
490

 
$
485

 
$
23

Commercial real estate
 
1,021

 
1,021

 
525

Commercial real estate construction
 
1,548

 
1,541

 
234

Total nonaccruing troubled debt restructurings
 
3,059

 
3,047

 
782

Accruing troubled debt restructurings:
 
 

 
 

 
 

Commercial real estate
 
7,118

 
7,170

 
6,633

Residential mortgage
 
336

 
336

 
291

Total accruing troubled debt restructurings
 
7,454

 
7,506

 
6,924

Total Troubled Debt Restructurings
 
$
10,513

 
$
10,553

 
$
7,706

DECEMBER 31, 2014
 
 

 
 

 
 

Nonaccruing troubled debt restructurings:
 
 

 
 

 
 

Commercial and industrial
 
$
490

 
$
485

 
$
46

Commercial real estate
 
1,021

 
1,021

 
546

Commercial real estate construction
 
1,548

 
1,541

 
274

Total nonaccruing troubled debt restructurings
 
3,059

 
3,047

 
866

Accruing troubled debt restructurings:
 
 
 
 
 
 
Commercial real estate
 
7,118

 
7,170

 
6,674

Residential mortgage
 
336

 
336

 
294

Total accruing troubled debt restructurings
 
7,454

 
7,506

 
6,968

Total Troubled Debt Restructurings
 
$
10,513

 
$
10,553

 
$
7,834
Loan Portfolio Summarized By The Past Due Status [Table Text Block]
The following table presents the classes of the loan portfolio summarized by the past due status as of March 31, 2015, and December 31, 2014:

In thousands
 
30-59 Days 
Past Due
 
60-89 Days
Past Due
 
>90 Days
Past Due
 
Total Past
Due
 
Current
 
Total Loans
Receivable
 
Loans
Receivable
>90 Days
and
Accruing
MARCH 31, 2015
 
 

 
 

 
 

 
 

 
 

 
 

 
 

Commercial and industrial
 
$
133

 
$
—

 
$
1,659

 
$
1,792

 
$
89,502

 
$
91,294

 
$
—

Commercial real estate
 
236

 
751

 
2,216

 
3,203

 
283,024

 
286,227

 
—

Commercial real estate construction
 
—

 
—

 
345

 
345

 
14,235

 
14,580

 
17

Residential mortgage
 
2,754

 
128

 
2,164

 
5,046

 
348,684

 
353,730

 
1,470

Home equity lines of credit
 
178

 
16

 
261

 
455

 
54,109

 
54,564

 
261

Consumer
 
35

 
—

 
—

 
35

 
14,780

 
14,815

 
—

 
 
$
3,336

 
$
895

 
$
6,645

 
$
10,876

 
$
804,334

 
$
815,210

 
$
1,748

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
DECEMBER 31, 2014
 
 

 
 

 
 

 
 

 
 

 
 

 
 

Commercial and industrial
 
$
153

 
$
—

 
$
1,729

 
$
1,882

 
$
72,973

 
$
74,855

 
$
—

Commercial real estate
 
236

 
769

 
2,269

 
3,274

 
278,308

 
281,582

 
33

Commercial real estate construction
 
—

 
17

 
368

 
385

 
11,825

 
12,210

 
—

Residential mortgage
 
2,664

 
1,332

 
2,704

 
6,700

 
352,675

 
359,375

 
1,502

Home equity lines of credit
 
169

 
—

 
101

 
270

 
55,703

 
55,973

 
101

Consumer
 
23

 
9

 
—

 
32

 
15,245

 
15,277

 
—

 
 
$
3,245

 
$
2,127

 
$
7,171

 
$
12,543

 
$
786,729

 
$
799,272

 
$
1,636
Allowance For Loan Losses And Recorded Investment In Financing Receivables [Table Text Block]
The following tables summarize the allowance for loan losses and recorded investment in loans receivable:
In thousands
 
Commercial
and
Industrial
 
Commercial
Real Estate
 
Commercial
Real Estate
Construction
 
Residential
Mortgage
 
Home Equity
Lines of
Credit
 
Consumer
 
Unallocated
 
Total
AS OF AND FOR THE PERIOD ENDED MARCH 31, 2015
 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

Allowance for Loan Losses
 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

Beginning balance - January 1, 2015
 
$
2,048

 
$
5,872

 
$
194

 
$
3,845

 
$
557

 
$
1,050

 
$
1,606

 
$
15,172

Charge-offs
 
(36
)
 
—

 
—

 
(76
)
 
—

 
(21
)
 
—

 
(133
)
Recoveries
 
23

 
—

 
—

 
2

 
—

 
1

 
—

 
26

Provisions
 
135

 
(372
)
 
(26
)
 
(180
)
 
(20
)
 
—

 
463

 
—

Ending balance - March 31, 2015
 
$
2,170

 
$
5,500

 
$
168

 
$
3,591

 
$
537

 
$
1,030

 
$
2,069

 
$
15,065

Ending balance: individually evaluated for impairment
 
$
—

 
$
—

 
$
—

 
$
302

 
$
—

 
$
—

 
$
—

 
$
302

Ending balance: collectively evaluated for impairment
 
$
2,170

 
$
5,500

 
$
168

 
$
3,289

 
$
537

 
$
1,030

 
$
2,069

 
$
14,763

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans Receivable
 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

Ending balance
 
$
91,294

 
$
286,227

 
$
14,580

 
$
353,730

 
$
54,564

 
$
14,815

 
$
—

 
$
815,210

Ending balance: individually evaluated for impairment
 
$
1,659

 
$
9,884

 
$
328

 
$
1,007

 
$
—

 
$
—

 
$
—

 
$
12,878

Ending balance: collectively evaluated for impairment
 
$
89,635

 
$
276,343

 
$
14,252

 
$
352,723

 
$
54,564

 
$
14,815

 
$
—

 
$
802,332

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
AS OF AND FOR THE PERIOD ENDED MARCH 31, 2014
 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

Allowance for Loan Losses
 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

Beginning Balance - January 1, 2014
 
$
1,915

 
$
5,819

 
$
247

 
$
4,013

 
$
537

 
$
947

 
$
2,613

 
$
16,091

Charge-offs
 
(34
)
 
—

 
—

 
(22
)
 
—

 
(36
)
 
—

 
(92
)
Recoveries
 
8

 
—

 
—

 
—

 
—

 
2

 
—

 
10

Provisions
 
(91
)
 
12

 
(40
)
 
(251
)
 
(12
)
 
39

 
493

 
150

Ending balance - March 31, 2014
 
$
1,798

 
$
5,831

 
$
207

 
$
3,740

 
$
525

 
$
952

 
$
3,106

 
$
16,159

Ending balance: individually evaluated for impairment
 
$
—

 
$
111

 
$
—

 
$
339

 
$
—

 
$
—

 
$
—

 
$
450

Ending balance: collectively evaluated for impairment
 
$
1,798

 
$
5,720

 
$
207

 
$
3,401

 
$
525

 
$
952

 
$
3,106

 
$
15,709

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans Receivable
 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

Ending balance
 
$
58,056

 
$
242,600

 
$
11,502

 
$
353,257

 
$
53,195

 
$
13,950

 
$
—

 
$
732,560

Ending balance: individually evaluated for impairment
 
$
1,356

 
$
10,487

 
$
788

 
$
1,984

 
$
—

 
$
—

 
$
—

 
$
14,615

Ending balance: collectively evaluated for impairment
 
$
56,700

 
$
232,113

 
$
10,714

 
$
351,273

 
$
53,195

 
$
13,950

 
$
—

 
$
717,945

In thousands
 
Commercial
and
Industrial
 
Commercial
Real Estate
 
Commercial
Real Estate
Construction
 
Residential
Mortgage
 
Home Equity
Lines of
Credit
 
Consumer
 
Unallocated
 
Total
AS OF DECEMBER 31, 2014
 
 

 
 

 
 

 
 

 
 

 
 

 
 

Allowance for Loan Losses
 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

Ending balance
 
$
2,048

 
$
5,872

 
$
194

 
$
3,845

 
$
557

 
$
1,050

 
$
1,606

 
$
15,172

Ending balance: individually evaluated for impairment
 
$
—

 
$
—

 
$
—

 
$
302

 
$
—

 
$
—

 
$
—

 
$
302

Ending balance: collectively evaluated for impairment
 
$
2,048

 
$
5,872

 
$
194

 
$
3,543

 
$
557

 
$
1,050

 
$
1,606

 
$
14,870

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans Receivable
 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

Ending balance
 
$
74,855

 
$
281,582

 
$
12,210

 
$
359,375

 
$
55,973

 
$
15,277

 
$
—

 
$
799,272

Ending balance: individually evaluated for impairment
 
$
1,729

 
$
9,999

 
$
368

 
$
1,520

 
$
—

 
$
—

 
$
—

 
$
13,616

Ending balance: collectively evaluated for impairment
 
$
73,126

 
$
271,583

 
$
11,842

 
$
357,855

 
$
55,973

 
$
15,277

 
$
—

 
$
785,656