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Loans (Tables)
 6 Months Ended
Jun. 30, 2020
Receivables [Abstract]  
Schedule of Net Loans
Total net loans at June 30, 2020 and December 31, 2019 are summarized as follows:
June 30, 2020December 31, 2019
Commercial, industrial and agricultural$1,263,521  $1,046,665  
Commercial mortgages865,401  814,002  
Residential real estate805,413  814,030  
Consumer93,409  124,785  
Credit cards6,760  7,569  
Overdrafts284  2,146  
Less: unearned discount(4,617) (5,162) 
allowance for loan losses(24,529) (19,473) 
Loans, net$3,005,642  $2,784,562  
Allowance for Loan Losses
Transactions in the allowance for loan losses for the three months ended June 30, 2020 were as follows:
Commercial, Industrial 
and Agricultural		Commercial
Mortgages		Residential
Real
Estate		ConsumerCredit
Cards		OverdraftsTotal
Allowance for loan losses, April 1, 2020$10,532  $7,492  $1,458  $2,138  $112  $183  $21,915  
Charge-offs(2,623) 0  (19) (413) (41) (95) (3,191) 
Recoveries7  2  0  38  10  68  125  
Provision for loan losses1,886  2,134  1,237  377  33  13  5,680  
Allowance for loan losses, June 30, 2020$9,802  $9,628  $2,676  $2,140  $114  $169  $24,529  
Transactions in the allowance for loan losses for the six months ended June 30, 2020 were as follows:
Commercial, Industrial 
and Agricultural		Commercial
Mortgages		Residential
Real
Estate		ConsumerCredit
Cards		OverdraftsTotal
Allowance for loan losses, January 1, 2020$8,287  $6,952  $1,499  $2,411  $84  $240  $19,473  
Charge-offs(2,648) 0  (162) (1,005) (72) (214) (4,101) 
Recoveries25  174  3  81  11  104  398  
Provision for loan losses4,138  2,502  1,336  653  91  39  8,759  
Allowance for loan losses, June 30, 2020$9,802  $9,628  $2,676  $2,140  $114  $169  $24,529  
Transactions in the allowance for loan losses for the three months ended June 30, 2019 were as follows:
Commercial, Industrial 
and
Agricultural		Commercial
Mortgages		Residential
Real
Estate		ConsumerCredit
Cards		OverdraftsTotal
Allowance for loan losses, April 1, 2019$7,787  $8,846  $1,383  $2,040  $105  $185  $20,346  
Charge-offs0  0  (146) (513) (26) (88) (773) 
Recoveries4  16  2  28  1  25  76  
Provision (benefit) for loan losses317  676  164  586  7  38  1,788  
Allowance for loan losses, June 30, 2019$8,108  $9,538  $1,403  $2,141  $87  $160  $21,437  

Transactions in the allowance for loan losses for the six months ended June 30, 2019 were as follows:
Commercial, Industrial 
and
Agricultural		Commercial
Mortgages		Residential
Real
Estate		ConsumerCredit
Cards		OverdraftsTotal
Allowance for loan losses, January 1, 2019$7,341  $7,490  $2,156  $2,377  $103  $237  $19,704  
Charge-offs0  (2) (244) (1,062) (52) (216) (1,576) 
Recoveries8  1  67  74  6  59  215  
Provision (benefit) for loan losses759  2,049  (576) 752  30  80  3,094  
Allowance for loan losses, June 30, 2019$8,108  $9,538  $1,403  $2,141  $87  $160  $21,437  
Allowance for Loan Losses and Recorded Investment in Loans by Portfolio Segment
The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and is based on the Corporation’s impairment method as of June 30, 2020 and December 31, 2019. The recorded investment in loans excludes accrued interest and unearned discounts due to their insignificance.

June 30, 2020
Commercial, Industrial 
and
Agricultural		Commercial
Mortgages		Residential
Real
Estate		ConsumerCredit
Cards		OverdraftsTotal
Allowance for loan losses:
Ending allowance balance attributable to loans:
Individually evaluated for impairment$642  $1,539  $53  $0  $0  $0  $2,234  
Collectively evaluated for impairment8,653  7,780  2,623  2,140  114  169  21,479  
Acquired with deteriorated credit quality0  0  0  0  0  0  0  
Modified in a troubled debt restructuring507  309  0  0  0  0  816  
Total ending allowance balance$9,802  $9,628  $2,676  $2,140  $114  $169  $24,529  
Loans:
Individually evaluated for impairment$4,813  $12,520  $461  $0  $0  $0  $17,794  
Collectively evaluated for impairment1,254,203  845,886  804,838  93,409  6,760  284  3,005,380  
Acquired with deteriorated credit quality0  501  0  0  0  0  501  
Modified in a troubled debt restructuring4,505  6,494  114  0  0  0  11,113  
Total ending loans balance$1,263,521  $865,401  $805,413  $93,409  $6,760  $284  $3,034,788  

December 31, 2019
Commercial, Industrial 
and
Agricultural		Commercial
Mortgages		Residential
Real
Estate		ConsumerCredit
Cards		OverdraftsTotal
Allowance for loan losses:
Ending allowance balance attributable to loans:
Individually evaluated for impairment$645  $1,264  $34  $0  $0  $0  $1,943  
Collectively evaluated for impairment7,614  5,358  1,465  2,411  84  240  17,172  
Acquired with deteriorated credit quality0  0  0  0  0  0  0  
Modified in a troubled debt restructuring28  330  0  0  0  0  358  
Total ending allowance balance$8,287  $6,952  $1,499  $2,411  $84  $240  $19,473  
Loans:
Individually evaluated for impairment$8,078  $2,410  $465  $0  $0  $0  $10,953  
Collectively evaluated for impairment1,035,494  804,360  813,565  124,785  7,569  2,146  2,787,919  
Acquired with deteriorated credit quality0  523  0  0  0  0  523  
Modified in a troubled debt restructuring3,093  6,709  0  0  0  0  9,802  
Total ending loans balance$1,046,665  $814,002  $814,030  $124,785  $7,569  $2,146  $2,809,197  
Loans Individually Evaluated for Impairment Including Loans Modified in Troubled Debt Restructurings by Portfolio Segment
The following tables present information related to loans individually evaluated for impairment, including loans modified in troubled debt restructurings, by portfolio segment as of June 30, 2020 and December 31, 2019 and for the three and six months ended June 30, 2020 and 2019:
June 30, 2020
Unpaid Principal
Balance		Recorded
Investment		Allowance for Loan
Losses Allocated
With an allowance recorded:
Commercial, industrial and agricultural$2,111  $2,051  $1,149  
Commercial mortgage6,563  4,330  1,848  
Residential real estate480  461  53  
With no related allowance recorded:
Commercial, industrial and agricultural10,037  7,267  0  
Commercial mortgage15,310  14,684  0  
Residential real estate115  114  0  
Total$34,616  $28,907  $3,050  
December 31, 2019
Unpaid Principal
Balance		Recorded
Investment		Allowance for Loan
Losses Allocated
With an allowance recorded:
Commercial, industrial and agricultural$2,657  $1,476  $673  
Commercial mortgage6,541  4,349  1,594  
Residential real estate485  465  34  
With no related allowance recorded:
Commercial, industrial and agricultural9,845  9,695  0  
Commercial mortgage4,903  4,770  0  
Residential real estate0  0  0  
Total$24,431  $20,755  $2,301  
Impaired Financing Receivables with Related and not Related Allowances
The unpaid principal balance of impaired loans includes the Corporation’s recorded investment in the loan and amounts that have been charged off.
 Three months ended June 30, 2020Three months ended June 30, 2019
Average
Recorded
Investment		Interest
Income
Recognized		Cash Basis
Interest
Recognized		Average
Recorded
Investment		Interest
Income
Recognized		Cash Basis
Interest
Recognized
With an allowance recorded:
Commercial, industrial and agricultural$2,052  $28  $28  $1,273  $27  $27  
Commercial mortgage$4,330  $4  $4  7,807  46  46  
Residential real estate$461  $0  $0  0  0  0  
With no related allowance recorded:
Commercial, industrial and agricultural$7,367  $49  $49  3,811  32  32  
Commercial mortgage$14,684  $66  $66  3,257  20  20  
Residential real estate$114  $2  $2  485  4  4  
Total$29,008  $149  $149  $16,633  $129  $129  
 Six months ended June 30, 2020Six months ended June 30, 2019
Average
Recorded
Investment		Interest
Income
Recognized		Cash Basis
Interest
Recognized		Average
Recorded
Investment		Interest
Income
Recognized		Cash Basis
Interest
Recognized
With an allowance recorded:
Commercial, industrial and agricultural$3,532  $45  $45  $1,861  $65  $65  
Commercial mortgage4,330  41  41  7,441  86  86  
Residential real estate462  5  5  0  0  0  
With no related allowance recorded:
Commercial, industrial and agricultural7,196  91  91  3,499  86  86  
Commercial mortgage11,293  224  224  3,767  38  38  
Residential real estate38  2  2  490  11  11  
Total$26,851  $408  $408  $17,058  $286  $286  
Nonaccrual Loans and Loans Past Due over 90 Days Still Accruing Interest by Class of Loans
The following table presents the recorded investment in nonaccrual loans and loans past due over 90 days still on accrual by class of loans as of June 30, 2020 and December 31, 2019:
 June 30, 2020December 31, 2019
 NonaccrualPast Due
Over 90 Days
Still on Accrual		NonaccrualPast Due
Over 90 Days
Still on Accrual
Commercial, industrial and agricultural$9,762  $116  $11,644  $0  
Commercial mortgages14,715  0  4,533  0  
Residential real estate4,307  0  4,724  59  
Consumer485  0  835  0  
Credit cards0  12  0  2  
Total$29,269  $128  $21,736  $61  
Aging of Recorded Investment in Past Due Loans
The following table presents the aging of the recorded investment in past due loans as of June 30, 2020 and December 31, 2019 by class of loans.
June 30, 2020
30-59 Days
Past Due		60-89 Days
Past Due		Greater Than
89 Days
Past Due		Total
Past Due		Loans Not
Past Due		Total
Commercial, industrial and agricultural$445  $451  $6,551  $7,447  $1,256,074  $1,263,521  
Commercial mortgages0  0  2,754  2,754  862,647  865,401  
Residential real estate809  1,496  2,162  4,467  800,946  805,413  
Consumer249  190  204  643  92,766  93,409  
Credit cards30  11  12  53  6,707  6,760  
Overdrafts0  0  0  0  284  284  
Total$1,533  $2,148  $11,683  $15,364  $3,019,424  $3,034,788  

December 31, 2019
30-59 Days
Past Due		60-89 Days
Past Due		Greater Than
89 Days
Past Due		Total
Past Due		Loans Not
Past Due		Total
Commercial, industrial and agricultural$1,273  $548  $3,784  $5,605  $1,041,060  $1,046,665  
Commercial mortgages162  183  2,594  2,939  811,063  814,002  
Residential real estate3,383  1,270  2,714  7,367  806,663  814,030  
Consumer412  311  415  1,138  123,647  124,785  
Credit cards48  54  2  104  7,465  7,569  
Overdrafts0  0  0  0  2,146  2,146  
Total$5,278  $2,366  $9,509  $17,153  $2,792,044  $2,809,197  
Restructured in Troubled Debt
The following table presents the number of loans, loan balances, and specific reserves for loans that have been restructured in a troubled debt restructuring as of June 30, 2020 and December 31, 2019.
 June 30, 2020December 31, 2019
 Number of
Loans		Loan
Balance		Specific
Reserve		Number of
Loans		Loan
Balance		Specific
Reserve
Commercial, industrial and agricultural18  $4,505  $507  10  $3,093  $28  
Commercial mortgages13  6,494  309  13  6,709  330  
Residential real estate1  114  0  0  0  0  
Consumer0  0  0  0  0  0  
Credit cards0  0  0  0  0  0  
Total32  $11,113  $816  23  $9,802  $358  

There were nine loans modified as troubled debt restructurings during the three and six months ended June 30, 2020 and no loans modified as troubled debt restructurings during the three and six months ended June 30, 2019.
 Three and six months ended June 30, 2020
 Number of
Loans		Pre-Modification Outstanding Recorded Investment
Balance		Post-Modification Outstanding Recorded Investment
Reserve
Commercial, industrial and agricultural8  $1,593  $1,593  
Commercial mortgages0  0  0  
Residential real estate1  116  116  
Consumer0  0  0  
Credit cards0  0  0  
Total9  $1,709  $1,709  
Schedule of Loan Assigned Risk Rating within 12 Months of Balance Sheet Date
June 30, 2020
PassSpecial
Mention		SubstandardDoubtfulTotal
Commercial, industrial and agricultural$1,226,388  $10,889  $26,244  $0  $1,263,521  
Commercial mortgages818,811  13,465  33,125  0  865,401  
Total$2,045,199  $24,354  $59,369  $0  $2,128,922  
December 31, 2019
PassSpecial
Mention		SubstandardDoubtfulTotal
Commercial, industrial and agricultural$1,004,445  $16,696  $25,524  $0  $1,046,665  
Commercial mortgages780,798  18,837  14,367  0  814,002  
Total$1,785,243  $35,533  $39,891  $0  $1,860,667  
Recorded Investment in Residential, Consumer and Credit Card Loans Based on Payment Activity The following table presents the recorded investment in residential, consumer, and credit card loans based on payment activity as of June 30, 2020 and December 31, 2019:
 June 30, 2020December 31, 2019
Residential
Real Estate		ConsumerCredit
Cards		Residential
Real Estate		ConsumerCredit
Cards
Performing$801,106  $92,924  $6,748  $809,247  $123,950  $7,567  
Nonperforming4,307  485  12  4,783  835  2  
Total$805,413  $93,409  $6,760  $814,030  $124,785  $7,569  
Summary of Holiday's Loan Portfolio
Holiday’s loan portfolio is summarized as follows at June 30, 2020 and December 31, 2019:
June 30, 2020December 31, 2019
Consumer$25,760  $28,122  
Less: unearned discount(4,617) (5,162) 
Total$21,143  $22,960