Allowance For Loan Losses (Tables)

6 Months Ended

Jun. 30, 2012

Allowance For Loan Losses [Abstract]

Schedule Of Allowance For Loan Loss By Portfolio Segment

(In thousands)	Commercial and industrial	Commercial real estate	Residential real estate	Home equity	Consumer	DDA overdrafts	Total
Six months ended
June 30, 2012:
Allowance for loan loss
Beginning balance	$590	$11,666	$3,591	$2,773	$88	$701	$19,409
Charge-offs	(117)	(2,015)	(494)	(856)	(95)	(710)	(4,287)
Recoveries	2	97	7	11	64	524	705
Provision	110	1,341	720	1,009	171	274	3,625
Ending balance	$585	$11,089	$3,824	$2,937	$228	$789	$19,452
Six months ended
June 30, 2011:
Allowance for loan loss
Beginning balance	$1,864	$8,488	$4,149	$2,640	$95	$988	$18,224
Charge-offs	(75)	(200)	(927)	(405)	(58)	(826)	(2,491)
Recoveries	6	28	18	5	49	733	839
Provision	(851)	1,707	1,062	437	4	13	2,372
Ending balance	$944	$10,023	$4,302	$2,677	$90	$908	$18,944
As of June 30, 2012:
Allowance for loan loss
Evaluated for impairment:
Individually	$-	$1,295	$-	$-	$-	$-	$1,295
Collectively	585	9,794	3,824	2,937	228	789	18,157
Acquired with deteriorated
credit quality	-	-	-	-	-	-	-
Total	$585	$11,089	$3,824	$2,937	$228	$789	$19,452
Loans
Evaluated for impairment:
Individually	$-	$12,640	$472	$299	$-	$-	$13,411
Collectively	116,288	748,896	694,046	445,599	37,383	3,326	2,045,538
Acquired with deteriorated
credit quality	-	6,640	-	-	-	-	6,640
Total	$116,288	$768,176	$694,518	$445,898	$37,383	$3,326	$2,065,589
As of December 31, 2011:
Allowance for loan loss
Evaluated for impairment:
Individually	$-	$2,666	$-	$-	$-	$-	$2,666
Collectively	590	9,000	3,591	2,773	88	701	16,743
Total	$590	$11,666	$3,591	$2,773	$88	$701	$19,409
Loans
Evaluated for impairment:
Individually	$81	$15,311	$476	$298	$-	$-	$16,166
Collectively	130,818	716,835	638,109	432,702	35,845	2,628	1,956,937
Total	$130,899	$732,146	$638,585	$433,000	$35,845	$2,628	$1,973,103

Schedule Of Credit Quality Indicators

(In thousands)	Commercial and industrial	Commercial real estate	Residential real estate	Home equity	Consumer	DDA overdrafts	Total
June 30, 2012:
Risk Grade
Exceptional	$3,364	$1,825	-	-	-	-	$5,189
Good	6,209	104,033	-	-	-	-	110,242
Acceptable	69,666	436,010	-	-	-	-	505,676
Pass/watch	34,031	173,810	-	-	-	-	207,841
Special mention	1,036	15,337	-	-	-	-	16,373
Substandard	1,982	36,933	-	-	-	-	38,915
Doubtful	-	228	-	-	-	-	228
Total	$116,288	$768,176					884,464
Payment Activity
Performing			$692,334	$444,983	$37,367	$3,323	$1,178,007
Non-performing			2,184	915	16	3	3,118
Total			$694,518	$445,898	$37,383	$3,326	$2,065,589
December 31, 2011:
Risk Grade
Exceptional	$4,220	$42	-	-	-	-	$4,262
Good	6,728	107,718	-	-	-	-	114,446
Acceptable	93,077	411,721	-	-	-	-	504,798
Pass/watch	25,246	161,598	-	-	-	-	186,844
Special mention	470	16,802	-	-	-	-	17,272
Substandard	1,037	34,265	-	-	-	-	35,302
Doubtful	121	-	-	-	-	-	121
Total	$130,899	$732,146					863,045
Payment Activity
Performing			$637,586	$431,199	$35,845	$2,616	1,107,246
Non-performing			999	1,801	-	12	2,812
Total			$638,585	$433,000	$35,845	$2,628	$1,973,103

Schedule Of Aging Analysis Of Accruing And Non-Accruing Loans

(In thousands)	Commercial and industrial	Commercial real estate	Residential real estate	Home equity	Consumer	DDA overdrafts	Total
June 30, 2012:
30 – 59 days past due(1)	$540	$3,315	$4,247	$1,668	$59	$352	$10,181
60 – 89 days past due(1)	-	1,183	1,222	166	15	9	2,595
Over 90 days past due(1)	-	1,627	106	30	16	3	1,782
Non-accrual	341	18,422	2,078	885	-	-	21,726
	881	24,547	7,653	2,749	90	364	36,284
Current	115,407	743,629	686,865	443,149	37,293	2,962	2,029,305
Total	$116,288	$768,176	$694,518	$445,898	$37,383	$3,326	$2,065,589
December 31, 2011:
30 – 59 days past due	$1,243	$576	$4,912	$1,906	$133	$883	$9,653
60 – 89 days past due	-	2,839	408	228	5	14	3,494
Over 90 days past due	-	-	42	112	-	12	166
Non-accrual	375	18,930	957	1,689	-	-	21,951
	1,618	22,345	6,319	3,935	138	909	35,264
Current	129,281	709,801	632,266	429,065	35,707	1,719	1,937,839
Total	$130,899	$732,146	$638,585	$433,000	$35,845	$2,628	$1,973,103
(1)A loan acquired and accounted for under ASC Topic 310-30, in which the Company can reasonably estimate the cash flows of the loan, is reported as an accruing loan and a performing asset.Included in the 30-59 day, 60-89 day and over 90 day categories above are $0.2 million, $1.1 million and $1.6 million, respectively, of such loans at June 30, 2012.

Schedule Of Impaired Loans

(In thousands)	Commercial and industrial	Commercial real estate	Residential real estate	Home equity	Consumer	DDA overdrafts	Total
June 30, 2012:
With no related allowance recorded
Recorded investment	$-	$2,791	$-	$-	$-	$-	$2,791
Unpaid principal	-	6,986	-	-	-	-	6,986
balance
With an allowance recorded
Recorded investment	$340	$15,632	$2,184	$916	$10	$2	$19,084
Unpaid principal	340	15,632	2,184	916	10	2	19,084
balance	-	-	-	-	-	-	-
Related allowance	42	1,921	270	113	1	2	2,349
December 31, 2011:
With no related allowance recorded
Recorded investment	$78	$2,840	$-	$-	$-	$-	$2,918
Unpaid principal	78	6,036	-	-	-	-	6,114
balance
With an allowance recorded
Recorded investment	$297	$16,090	$1,000	$1,801	$-	$12	$19,200
Unpaid principal
balance	297	16,090	1,000	1,801	-	12	19,200
Related allowance	53	3,044	139	240	-	12	3,488

Schedule Of Information Related To Average Recorded Investment And Interest Income Recognized On Impaired Loans

(In thousands)	Commercial and industrial	Commercial real estate	Residential real estate	Home equity	Consumer	DDA overdrafts	Total
June 30, 2012:
With no related allowance recorded
Average recorded
investment	$-	$4,337	$-	$-	$-	$-	$4,337
Interest income
recognized	-	85	-	-	-	-	85
With an allowance recorded
Average recorded
investment	$184	$14,409	$936	$1,657	$-	$-	$17,186
Interest income
recognized	5	298	22	20	-	-	345
June 30, 2011:
With no related allowance recorded
Average recorded
investment	$-	$12,047	$479	$1,047	$-	$-	$13,573
Interest income
recognized	-	206	15	5	-	-	226
With an allowance recorded
Average recorded
investment	$129	$17,166	$700	$314	$-	$-	$18,309
Interest income
recognized	-	157	-	-	-	-	157