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Allowance For Loan Losses (Tables)
12 Months Ended
Dec. 31, 2017
Receivables [Abstract]  
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, 2017
 
 
 
 
 
 
 
Allowance for loan loss
 
 
 
 
 
 
 
Beginning balance
$
4,206

$
6,573

$
6,680

$
1,417

$
82

$
772

$
19,730

   Charge-offs
(400
)
(720
)
(1,637
)
(403
)
(60
)
(2,714
)
(5,934
)
   Recoveries
58

112

294

45

63

1,462

2,034

   Provision
707

57

(125
)
79

(23
)
2,150

2,845

   Provision for acquired loans with deteriorated credit quality

161





161

Ending balance
$
4,571

$
6,183

$
5,212

$
1,138

$
62

$
1,670

$
18,836

 
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

 
 
 
 
 
 
 
 
As of December 31, 2017
 
 
 
 
 
 
 
Allowance for loan loss
 
 
 
 
 
 
 
Evaluated for impairment:
 
 
 
 
 
 
 
   Individually
$

$
647

$

$

$

$

$
647

   Collectively
4,567

5,313

5,112

1,138

58

1,670

17,858

Acquired with deteriorated credit quality
4

223

100


4


331

Total
$
4,571

$
6,183

$
5,212

$
1,138

$
62

$
1,670

$
18,836

 
 
 
 
 
 
 
 
Loans
 
 
 
 
 
 
 
Evaluated for impairment:
 
 
 
 
 
 
 
   Individually
$
849

$
8,818

$

$

$

$

$
9,667

   Collectively
207,429

1,263,076

1,465,685

139,499

29,046

4,411

3,109,146

Acquired with deteriorated credit quality
206

5,682

2,593


116


8,597

Total
$
208,484

$
1,277,576

$
1,468,278

$
139,499

$
29,162

$
4,411

$
3,127,410

 
 
 
 
 
 
 
 
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

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, 2017
 
 
 
Pass
$
175,951

$
1,231,256

$
1,407,207

Special mention
25,872

8,068

33,940

Substandard
6,661

38,252

44,913

Doubtful



Total
$
208,484

$
1,277,576

$
1,486,060

 
 
 
 
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


The following table presents the Company's non-commercial loans by payment performance, by class (in thousands):
 
Performing
Non-Performing
Total
December 31, 2017
 
 
 
Residential real estate
$
1,465,445

$
2,833

$
1,468,278

Home equity
139,239

260

139,499

Consumer
29,162


29,162

DDA overdrafts
4,411


4,411

Total
$
1,638,257

$
3,093

$
1,641,350

 
 
 
 
December 31, 2016
 
 
 
Residential real estate
$
1,447,087

$
4,375

$
1,451,462

Home equity
141,834

131

141,965

Consumer
32,545


32,545

DDA overdrafts
5,071


5,071

Total
$
1,626,537

$
4,506

$
1,631,043

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, 2017
 
Accruing
 
 
 
Current
30-59 days
60-89 days
Over 90 days
Non-accrual
Total
Residential real estate
$
1,458,746

$
5,990

$
709

$
19

$
2,814

$
1,468,278

Home equity
138,480

671

88

92

168

139,499

Commercial and industrial
206,447

549

1

142

1,345

208,484

Commercial real estate
1,269,520

1,841

245


5,970

1,277,576

Consumer
29,108

39

13

2


29,162

DDA overdrafts
3,849

541

14

7


4,411

Total
$
3,106,150

$
9,631

$
1,070

$
262

$
10,297

$
3,127,410

 
 
 
 
 
 
 
 
December 31, 2016
 
Accruing
 
 
 
Current
30-59 days
60-89 days
Over 90 days
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


Schedule Of Impaired Loans
The following presents the Company’s impaired loans, by class (in thousands):
 
December 31, 2017
December 31, 2016
 
 
Unpaid
 
 
Unpaid
 
 
Recorded
Principal
Related
Recorded
Principal
Related
 
Investment
Balance
Allowance
Investment
Balance
Allowance
With no related allowance recorded:
 
 
 
 
 
 
Commercial and industrial
$
849

$
3,013

$

$
1,611

$
3,775

$

Commercial real estate
3,036

4,861


3,138

4,963


Total
$
3,885

$
7,874

$

$
4,749

$
8,738

$

 
 
 
 
 
 
 
With an allowance recorded:
 
 
 
 
 
 
Commercial and industrial
$

$

$

$

$

$

Commercial real estate
5,782

5,782

647

2,832

2,832

665

Total
$
5,782

$
5,782

$
647

$
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, 2017
December 31, 2016
 
Average
Interest
Average
Interest
 
Recorded
Income
Recorded
Income
 
Investment
Recognized
Investment
Recognized
With no related allowance recorded:
 
 
 
 
Commercial and industrial
$
1,086

$

$
2,099

$

Commercial real estate
4,534

69

4,039

14

Total
$
5,620

$
69

$
6,138

$
14

 
 
 
 
 
With an allowance recorded:
 
 
 
 
Commercial and industrial
$

$

$

$

Commercial real estate
4,307

149

1,419

24

Total
$
4,307

$
149

$
1,419

$
24



If the Company's non-accrual and impaired loans had been current in accordance with their original terms, approximately $0.2 million, $0.4 million and $0.8 million of interest income would have been recognized during the years ended December 31, 2017, 2016 and 2015, respectively.  There were no commitments to provide additional funds on non-accrual, impaired or other potential problem loans at December 31, 2017.
Schedule Of Troubled Debt Restructurings
The following tables set forth the Company’s TDRs (in thousands):
 
December 31, 2017
December 31, 2016
 
Non-
 
 
Non-
 
Accruing
Accruing
Total
Accruing
Accruing
Total
Commercial and industrial
$
135

$

$
135

$
42

$

$
42

Commercial real estate
8,381


8,381

5,525


5,525

Residential real estate
21,005

84

21,089

20,424

391

20,815

Home equity
3,047

50

3,097

3,105

30

3,135

Consumer






 
$
32,568

$
134

$
32,702

$
29,096

$
421

$
29,517



 
New TDRs
New TDRs
 
For the year ended
For the year ended
 
December 31, 2017
December 31, 2016
 
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

3,098

3,003

2

5,021

4,366

Residential real estate
33

3,987

3,987

37

3,812

3,812

Home equity
13

271

271

9

221

221

Consumer






 
48

$
7,356

$
7,261

48

$
9,054

$
8,399