XML 56 R36.htm IDEA: XBRL DOCUMENT v3.20.4
Allowance for Credit Losses on Loans (Tables)
 12 Months Ended
Dec. 31, 2020
Receivables [Abstract]  
Allowance for Credit Losses on Loans Rollforward Analysis The following table presents the activity in the ACL on loans for the year ended December 31, 2020:
(Dollars in thousands)CommercialConsumer
CREC&ITotal CommercialResidential Real EstateHome EquityOtherTotal ConsumerTotal
Beginning Balance
$14,741 $3,921 $18,662 $6,615 $1,390 $347 $1,737 $27,014 
Adoption of ASC 3263,405 3,029 6,434 221 (106)(48)(154)6,501 
Charge-offs(356)(586)(942)(99)(224)(52)(276)(1,317)
Recoveries51 24 75 20 52 25 77 172 
Provision4,224 5,840 10,064 1,285 188 199 387 11,736 
Ending Balance
$22,065 $12,228 $34,293 $8,042 $1,300 $471 $1,771 $44,106 

The following table presents the activity in the allowance for loan losses for the year ended December 31, 2019:
(Dollars in thousands)CommercialConsumer
CREC&ITotal CommercialResidential Real EstateHome EquityOtherTotal ConsumerTotal
Beginning Balance
$15,381 $5,847 $21,228 $3,987 $1,603 $254 $1,857 $27,072 
Charge-offs(1,028)(21)(1,049)(486)(390)(95)(485)(2,020)
Recoveries125 168 293 — 72 22 94 387 
Provision263 (2,073)(1,810)3,114 105 166 271 1,575 
Ending Balance
$14,741 $3,921 $18,662 $6,615 $1,390 $347 $1,737 $27,014 

The following table presents the activity in the allowance for loan losses for the year ended December 31, 2018:
(Dollars in thousands)CommercialConsumer
CREC&ITotal CommercialResidential Real EstateHome EquityOtherTotal ConsumerTotal
Beginning Balance
$12,729 $5,580 $18,309 $5,427 $2,412 $340 $2,752 $26,488 
Charge-offs(627)(10)(637)(250)(193)(107)(300)(1,187)
Recoveries25 119 144 21 29 27 56 221 
Provision3,254 158 3,412 (1,211)(645)(6)(651)1,550 
Ending Balance
$15,381 $5,847 $21,228 $3,987 $1,603 $254 $1,857 $27,072 
Schedule of Allowance for Loan Loss by Segment & Impairment Methodology
As required under the GAAP in effect prior to the adoption of ASC 326, the following table presents the Corporation’s loan portfolio and associated allowance for loan losses by portfolio segment and by impairment methodology as of December 31, 2019:
(Dollars in thousands)LoansRelated
Allowance
Loans Individually Evaluated for Impairment
Commercial:
Commercial real estate
$603 $— 
Commercial & industrial
657 580 
Total commercial1,260 580 
Residential Real Estate:
Residential real estate14,654 95 
Consumer:
Home equity1,763 291 
Other106 2 
Total consumer1,869 293 
Subtotal17,783 968 
Loans Collectively Evaluated for Impairment
Commercial:
Commercial real estate
1,546,969 14,741 
Commercial & industrial
584,632 3,341 
Total commercial
2,131,601 18,082 
Residential Real Estate:
Residential real estate1,434,436 6,520 
Consumer:
Home equity289,111 1,099 
Other20,068 345 
Total consumer309,179 1,444 
Subtotal3,875,216 26,046 
Total$3,892,999 $27,014