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Allowance For Loan Losses (Tables)
 12 Months Ended
Dec. 31, 2018
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, 2018
 
 
 
 
 
 
 
Allowance for loan loss
 
 
 
 
 
 
 
Beginning balance
$
4,571

$
6,183

$
5,212

$
1,138

$
62

$
1,670

$
18,836

   Charge-offs
(733
)
(369
)
(682
)
(219
)
(769
)
(2,701
)
(5,473
)
   Recoveries
2,152

732

367

—

166

1,496

4,913

   Provision
(1,930
)
(2,011
)
(781
)
349

860

1,243

(2,270
)
   Provision for acquired loans with deteriorated credit quality
—

(40
)
—

—

—

—

(40
)
Ending balance
$
4,060

$
4,495

$
4,116

$
1,268

$
319

$
1,708

$
15,966

 
 
 
 
 
 
 
 
 
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

 
 
 
 
 
 
 
 
As of December 31, 2018
 
 
 
 
 
 
 
Allowance for loan loss
 
 
 
 
 
 
 
Evaluated for impairment:
 
 
 
 
 
 
 
   Individually
$
—

$
428

$
—

$
—

$
—

$
—

$
428

   Collectively
4,059

4,015

4,116

1,268

312

1,708

15,478

Acquired with deteriorated credit quality
1

52

—

—

7

—

60

Total
$
4,060

$
4,495

$
4,116

$
1,268

$
319

$
1,708

$
15,966

 
 
 
 
 
 
 
 
Loans
 
 
 
 
 
 
 
Evaluated for impairment:
 
 
 
 
 
 
 
   Individually
$
651

$
9,855

$
—

$
—

$
—

$
—

$
10,506

   Collectively
284,018

1,412,023

1,654,892

153,496

51,077

6,328

3,561,834

Acquired with deteriorated credit quality
1,645

11,413

2,097

—

113

—

15,268

Total
$
286,314

$
1,433,291

$
1,656,989

$
153,496

$
51,190

$
6,328

$
3,587,608

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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
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, 2018
 
 
 
Pass
$
250,856

$
1,381,170

$
1,632,026

Special mention
27,886

5,696

33,582

Substandard
7,572

46,425

53,997

Doubtful
—

—

—

Total
$
286,314

$
1,433,291

$
1,719,605

 
 
 
 
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


The following table presents the Company's non-commercial loans by payment performance, by class (in thousands):
 
Performing
Non-Performing
Total
December 31, 2018
 
 
 
Residential real estate
$
1,652,543

$
4,446

$
1,656,989

Home equity
153,334

162

153,496

Consumer
51,188

2

51,190

DDA overdrafts
6,322

6

6,328

Total
$
1,863,387

$
4,616

$
1,868,003

 
 
 
 
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
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):
 
December 31, 2018
 
Accruing
 
 
 
Current
30-59 days
60-89 days
Over 90 days
Non-accrual
Total
Residential real estate
$
1,642,724

$
8,607

$
1,213

$
170

$
4,275

$
1,656,989

Home equity
152,083

1,240

11

24

138

153,496

Commercial and industrial
284,140

397

49

52

1,676

286,314

Commercial real estate
1,424,245

487

94

4

8,461

1,433,291

Consumer
50,894

253

41

1

1

51,190

DDA overdrafts
5,840

467

15

6

—

6,328

Total
$
3,559,926

$
11,451

$
1,423

$
257

$
14,551

$
3,587,608

 
 
 
 
 
 
 
 
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
Schedule Of Impaired Loans
The following presents the Company’s impaired loans, by class (in thousands):
 
December 31, 2018
December 31, 2017
 
 
Unpaid
 
 
Unpaid
 
 
Recorded
Principal
Related
Recorded
Principal
Related
 
Investment
Balance
Allowance
Investment
Balance
Allowance
With no related allowance recorded:
 
 
 
 
 
 
Commercial and industrial
$
651

$
651

$
—

$
849

$
3,013

$
—

Commercial real estate
6,870

6,895

—

3,036

4,861

—

Total
$
7,521

$
7,546

$
—

$
3,885

$
7,874

$
—

 
 
 
 
 
 
 
With an allowance recorded:
 
 
 
 
 
 
Commercial and industrial
$
—

$
—

$
—

$
—

$
—

$
—

Commercial real estate
2,985

2,985

428

5,782

5,782

647

Total
$
2,985

$
2,985

$
428

$
5,782

$
5,782

$
647



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, 2018
December 31, 2017
 
Average
Interest
Average
Interest
 
Recorded
Income
Recorded
Income
 
Investment
Recognized
Investment
Recognized
With no related allowance recorded:
 
 
 
 
Commercial and industrial
$
845

$
—

$
1,086

$
—

Commercial real estate
4,623

39

4,534

69

Total
$
5,468

$
39

$
5,620

$
69

 
 
 
 
 
With an allowance recorded:
 
 
 
 
Commercial and industrial
$
—

$
—

$
—

$
—

Commercial real estate
5,043

220

4,307

149

Total
$
5,043

$
220

$
4,307

$
149



If the Company's non-accrual and impaired loans had been current in accordance with their original terms, approximately $0.2 million, $0.2 million and $0.4 million of interest income would have been recognized during the years ended December 31, 2018, 2017 and 2016, respectively.  There were no commitments to provide additional funds on non-accrual, impaired or other potential problem loans at December 31, 2018.
Schedule Of Troubled Debt Restructurings
The following tables set forth the Company’s TDRs (in thousands):
 
December 31, 2018
December 31, 2017
 
Non-
 
 
Non-
 
Accruing
Accruing
Total
Accruing
Accruing
Total
Commercial and industrial
$
98

$
—

$
98

$
135

$
—

$
135

Commercial real estate
8,205

—

8,205

8,381

—

8,381

Residential real estate
22,863

658

23,521

21,005

84

21,089

Home equity
3,025

5

3,030

3,047

50

3,097

Consumer
—

—

—

—

—

—

 
$
34,191

$
663

$
34,854

$
32,568

$
134

$
32,702



 
New TDRs
New TDRs
 
For the year ended
For the year ended
 
December 31, 2018
December 31, 2017
 
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

Residential real estate
33

2,326

2,326

33

3,987

3,987

Home equity
10

274

274

13

271

271

Consumer
—

—

—

—

—

—

 
43

$
2,600

$
2,600

48

$
7,356

$
7,261