Allowance For Loan Losses (Tables)

12 Months Ended

Dec. 31, 2016

Schedule Of Allowance For Loan Loss By Portfolio Segment

The following summarizes the activity in the allowance for loan loss, by portfolio segment (in thousands). The allocation of a portion of the allowance in one portfolio segment does not preclude its availability to absorb losses in other portfolio segments. The following also presents the balance in the allowance for loan loss disaggregated on the basis of the Company’s impairment measurement method and the related recorded investment in loans, by portfolio segment (in thousands).



	Commercial and industrial			Commercial real estate			Residential real estate			Home equity			Consumer			DDA overdrafts			Total
December 31, 2016
Allowance for loan loss
Beginning balance	$	3,271		$	6,985		$	6,778		$	1,463		$	97		$	657		$	19,251
Charge-offs	(148		)	(1,676		)	(1,734		)	(390		)	(126		)	(1,412		)	(5,486		)
Recoveries	14			487			187			—			118			764			1,570
Provision	1,069			614			1,449			344			(7		)	763			4,232
Provision for acquired loans with deteriorated credit quality	—			163			—			—			—			—			163
Ending balance	$	4,206		$	6,573		$	6,680		$	1,417		$	82		$	772		$	19,730

December 31, 2015
Allowance for loan loss
Beginning balance	$	1,582		$	8,845		$	7,208		$	1,495		$	85		$	859		$	20,074
Charge-offs	(5,768		)	(580		)	(1,144		)	(312		)	(210		)	(1,414		)	(9,428		)
Recoveries	74			366			199			—			186			792			1,617



Provision	7,383		(2,199		)	515		280		36		420		6,435
Provision for acquired loans with deteriorated credit quality	—		553			—		—		—		—		553
Ending balance	$	3,271	$	6,985		$	6,778	$	1,463	$	97	$	657	$	19,251

As of December 31, 2016
Allowance for loan loss
Evaluated for impairment:
Individually	$	—	$	665		$	—	$	—	$	—	$	—	$	665
Collectively	4,200		5,788			6,589		1,417		82		772		18,848
Acquired with deteriorated credit quality	6		120			91		—		—		—		217
Total	$	4,206	$	6,573		$	6,680	$	1,417	$	82	$	772	$	19,730

Loans
Evaluated for impairment:
Individually	$	1,611	$	5,970		$	—	$	—	$	—	$	—	$	7,581
Collectively	183,741		1,216,050			1,448,830		141,965		32,545		5,071		3,028,202
Acquired with deteriorated credit quality	315		7,496			2,632		—		—		—		10,443
Total	$	185,667	$	1,229,516		$	1,451,462	$	141,965	$	32,545	$	5,071	$	3,046,226

As of December 31, 2015
Allowance for loan loss
Evaluated for impairment:
Individually	$	—	$	—		$	—	$	—	$	—	$	—	$	—
Collectively	3,267		6,173			6,765		1,463		97		657		18,422
Acquired with deteriorated credit quality	4		812			13		—		—		—		829
Total	$	3,271	$	6,985		$	6,778	$	1,463	$	97	$	657	$	19,251

Loans
Evaluated for impairment:
Individually	$	2,349	$	6,133		$	—	$	—	$	—	$	—	$	8,482
Collectively	162,662		1,109,327			1,381,064		147,036		35,997		3,361		2,839,447
Acquired with deteriorated credit quality	329		12,121			2,069		—		86		—		14,605
Total	$	165,340	$	1,127,581		$	1,383,133	$	147,036	$	36,083	$	3,361	$	2,862,534

Schedule Of Credit Quality Indicators

The following table presents the Company's commercial loans by credit quality indicators, by class (in thousands):



	Commercial and industrial		Commercial real estate		Total
December 31, 2016
Pass	$	176,823	$	1,178,288	$	1,355,111
Special mention	2,427		16,031		18,458
Substandard	6,417		35,197		41,614
Doubtful	—		—		—
Total	$	185,667	$	1,229,516	$	1,415,183

December 31, 2015
Pass	$	156,664	$	1,070,506	$	1,227,170
Special mention	4,099		20,942		25,041
Substandard	4,539		36,133		40,672
Doubtful	38		—		38
Total	$	165,340	$	1,127,581	$	1,292,921

The following table presents the Company's non-commercial loans by payment performance, by class (in thousands):



	Performing		Non-Performing		Total
December 31, 2016
Residential real estate	$	1,451,389	$	73	$	1,451,462
Home equity	141,934		31		141,965
Consumer	32,545		—		32,545
DDA overdrafts	5,071		—		5,071
Total	$	1,630,939	$	104	$	1,631,043

December 31, 2015
Residential real estate	$	1,379,797	$	3,336	$	1,383,133
Home equity	147,013		23		147,036
Consumer	36,049		34		36,083
DDA overdrafts	3,361		—		3,361
Total	$	1,566,220	$	3,393	$	1,569,613

Schedule Of Aging Analysis Of Accruing And Non-Accruing Loans

The following presents an aging analysis of the Company’s accruing and non-accruing loans, by class (in thousands). The purchased credit-impaired loan column represents the purchased credit-impaired loans that the Company acquired that are contractually past due, but are still performing in accordance with the Company's initial expectations.



	December 31, 2016
	Accruing
	Current		30-59 days		60-89 days		Over 90 days		Purchased-Credit Impaired		Non-accrual		Total
Residential real estate	$	1,441,086	$	5,364	$	637	$	73	$	—	$	4,302	$	1,451,462
Home equity	141,192		423		219		31		—		100		141,965
Commercial and industrial	183,615		94		—		—		—		1,958		185,667
Commercial real estate	1,221,344		553		—		278		—		7,341		1,229,516
Consumer	32,506		38		1		—		—		—		32,545
DDA overdrafts	4,472		595		4		—		—		—		5,071
Total	$	3,024,215	$	7,067	$	861	$	382	$	—	$	13,701	$	3,046,226

	December 31, 2015
	Accruing
	Current		30-59 days		60-89 days		Over 90 days		Purchased-Credit Impaired		Non-accrual		Total
Residential real estate	$	1,373,604	$	5,261	$	932	$	418	$	—	$	2,918	$	1,383,133
Home equity	146,493		318		65		24		—		136		147,036
Commercial and industrial	162,435		141		—		19		—		2,745		165,340
Commercial real estate	1,114,953		762		211		—		506		11,149		1,127,581
Consumer	35,886		154		9		34		—		—		36,083
DDA overdrafts	3,048		310		3		—		—		—		3,361
Total	$	2,836,419	$	6,946	$	1,220	$	495	$	506	$	16,948	$	2,862,534

Schedule Of Impaired Loans

The following presents the Company’s impaired loans, by class (in thousands):



	December 31, 2016						December 31, 2015
			Unpaid						Unpaid
	Recorded		Principal		Related		Recorded		Principal		Related
	Investment		Balance		Allowance		Investment		Balance		Allowance
With no related allowance recorded:
Commercial and industrial	$	1,611	$	3,775	$	—	$	2,349	$	7,547	$	—
Commercial real estate	3,138		4,963		—		6,133		9,502		—
Total	$	4,749	$	8,738	$	—	$	8,482	$	17,049	$	—

With an allowance recorded
Commercial and industrial	$	—	$	—	$	—	$	—	$	—	$	—
Commercial real estate	2,832		2,832		665		—		—		—
Total	$	2,832	$	2,832	$	665	$	—	$	—	$	—

The following table presents information related to the average recorded investment and interest income recognized on the Company’s impaired loans, by class (in thousands):



	For the year ended
	December 31, 2016				December 31, 2015
	Average		Interest		Average		Interest
	Recorded		Income		Recorded		Income
	Investment		Recognized		Investment		Recognized
With no related allowance recorded:
Commercial and industrial	2,099		—		2,913		—
Commercial real estate	4,039		14		5,606		4
Total	$	6,138	$	14	$	8,519	$	4

With an allowance recorded
Commercial and industrial	—		—		—		—
Commercial real estate	1,419		24		1,012		—
Total	$	1,419	$	24	$	1,012	$	—

If the Company's non-accrual and impaired loans had been current in accordance with their original terms, approximately $0.4 million, $0.8 million and $0.5 million of interest income would have been recognized during the years ended December 31, 2016, 2015 and 2014, respectively. There were no commitments to provide additional funds on non-accrual, impaired or other potential problem loans at December 31, 2016.

Schedule Of Troubled Debt Restructurings

The following tables set forth the Company’s TDRs (in thousands):



	December 31, 2016						December 31, 2015
			Non-						Non-
	Accruing		Accruing		Total		Accruing		Accruing		Total
Commercial and industrial	$	42	$	—	$	42	$	58	$	—	$	58
Commercial real estate	5,525		—		5,525		1,746		—		1,746
Residential real estate	20,424		391		20,815		17,796		191		17,987
Home equity	3,105		30		3,135		2,659		34		2,693
Consumer	—		—		—		—		—		—
	$	29,096	$	421	$	29,517	$	22,259	$	225	$	22,484



	New TDRs					New TDRs
	For the year ended					For the year ended
	December 31, 2016					December 31, 2015
		Pre		Post			Pre		Post
		Modification		Modification			Modification		Modification
		Outstanding		Outstanding			Outstanding		Outstanding
	Number of	Recorded		Recorded		Number of	Recorded		Recorded
	Contracts	Investment		Investment		Contracts	Investment		Investment
Commercial and industrial	—	$	—	$	—	—	$	—	$	—
Commercial real estate	2	5,021		4,366		—	—		—
Residential real estate	37	3,812		3,812		38	2,969		2,969
Home equity	9	221		221		13	361		361
Consumer	—	—		—		—	—		—
	48	$	9,054	$	8,399	51	$	3,330	$	3,330