CREDIT QUALITY ASSESSMENT (Tables)

12 Months Ended

Dec. 31, 2014

Accounts, Notes, Loans and Financing Receivable [Line Items]

Summary Information on Allowance for Loan and Lease Loss Activity

(In thousands)			2014		2013		2012
Balance at beginning of year			$	38,766	$	42,957	$	49,426
	Provision (credit) for loan and lease losses			(163)		(1,084)		3,649
	Loan and lease charge-offs			(2,687)		(11,165)		(12,804)
	Loan and lease recoveries			1,886		8,058		2,686
		Net charge-offs		(801)		(3,107)		(10,118)
Balance at period end			$	37,802	$	38,766	$	42,957

Activity in Allowance for Loan and Lease Losses by Respective Loan Portfolio Segment

		2014
				Commercial Real Estate										Residential Real Estate
								Commercial
		Commercial		Commercial		Commercial		Owner						Residential		Residential
(Dollars in thousands)		Business		AD&C		Investor R/E		Occupied R/E		Leasing		Consumer		Mortgage		Construction		Total
Balance at beginning of year		$	6,308	$	3,754	$	9,263	$	6,308	$	16	$	4,142	$	7,819	$	1,156	$	38,766
Provision (credit)			(1,204)		1,042		486		1,094		(7)		119		(1,385)		(308)		(163)
Charge-offs			(729)		(529)		(3)		(265)		-		(834)		(323)		(4)		(2,687)
Recoveries			1,477		-		38		6		-		165		121		79		1,886
	Net charge-offs		748		(529)		35		(259)		-		(669)		(202)		75		(801)
Balance at end of period		$	5,852	$	4,267	$	9,784	$	7,143	$	9	$	3,592	$	6,232	$	923	$	37,802
Total loans and leases		$	390,781	$	205,124	$	640,193	$	611,061	$	54	$	425,552	$	717,886	$	136,741	$	3,127,392
Allowance for loans and leases to total loans and leases ratio			1.50%		2.08%		1.53%		1.17%		16.80%		0.84%		0.87%		0.67%		1.21%
Balance of loans specifically evaluated for impairment		$	3,894	$	2,464	$	10,279	$	8,941		na.		na.	$	3,535	$	306	$	29,419
Allowance for loans specifically evaluated for impairment		$	788	$	741	$	541	$	824		na.		na.	$	-	$	-	$	2,894
Specific allowance to specific loans ratio			20.24%		30.07%		5.26%		9.22%		na.		na.		na.		na.		9.84%
Balance of loans collectively evaluated		$	386,887	$	202,660	$	629,914	$	602,120	$	54	$	425,552	$	714,351	$	136,435	$	3,097,973
Allowance for loans collectively evaluated		$	5,064	$	3,526	$	9,243	$	6,319	$	9	$	3,592	$	6,232	$	923	$	34,908
Collective allowance to collective loans ratio			1.31%		1.74%		1.47%		1.05%		16.80%		0.84%		0.87%		0.68%		1.13%

		2013
				Commercial Real Estate										Residential Real Estate
								Commercial
		Commercial		Commercial		Commercial		Owner						Residential		Residential
(Dollars in thousands)		Business		AD&C		Investor R/E		Occupied R/E		Leasing		Consumer		Mortgage		Construction		Total
Balance at beginning of year		$	6,495	$	4,737	$	9,583	$	6,997	$	332	$	3,846	$	8,522	$	2,445	$	42,957
Provision (credit)			1,910		(3,978)		1,100		(874)		(326)		1,951		329		(1,196)		(1,084)
Charge-offs			(2,915)		(85)		(4,774)		(240)		-		(1,853)		(1,194)		(104)		(11,165)
Recoveries			818		3,080		3,354		425		10		198		162		11		8,058
	Net charge-offs		(2,097)		2,995		(1,420)		185		10		(1,655)		(1,032)		(93)		(3,107)
Balance at end of period		$	6,308	$	3,754	$	9,263	$	6,308	$	16	$	4,142	$	7,819	$	1,156	$	38,766
Total loans and leases		$	356,651	$	160,696	$	552,178	$	592,823	$	703	$	373,657	$	618,381	$	129,177	$	2,784,266
Allowance for loans and leases to total loans and leases ratio			1.77%		2.34%		1.68%		1.06%		2.28%		1.11%		1.26%		0.89%		1.39%
Balance of loans specifically evaluated for impairment		$	5,608	$	4,128	$	7,654	$	7,111		na.	$	29	$	6,141	$	1,852	$	32,523
Allowance for loans specifically evaluated for impairment		$	849	$	1,031	$	126	$	426		na.		na.	$	626	$	-	$	3,058
Specific allowance to specific loans ratio			15.14%		24.98%		1.65%		5.99%		na.		na.		10.19%		na.		9.40%
Balance of loans collectively evaluated		$	351,043	$	156,568	$	544,524	$	585,712	$	703	$	373,628	$	612,240	$	127,325	$	2,751,743
Allowance for loans collectively evaluated		$	5,459	$	2,723	$	9,137	$	5,882	$	16	$	4,142	$	7,193	$	1,156	$	35,708
Collective allowance to collective loans ratio			1.56%		1.74%		1.68%		1.00%		2.28%		1.11%		1.17%		0.91%		1.30%

Summary of Impaired Loans

(In thousands)		2014		2013		2012
Impaired loans with a specific allowance		$	11,411	$	12,217	$	27,526
Impaired loans without a specific allowance			18,008		20,306		21,247
	Total impaired loans	$	29,419	$	32,523	$	48,773
Allowance for loan and lease losses related to impaired loans		$	2,894	$	3,058	$	5,149
Allowance for loan and lease losses related to loans collectively evaluated			34,908		35,708		37,808
	Total allowance for loan and lease losses	$	37,802	$	38,766	$	42,957
Average impaired loans for the period		$	34,331	$	38,379	$	57,438
Contractual interest income due on impaired loans during the period		$	2,339	$	2,612	$	4,433
Interest income on impaired loans recognized on a cash basis		$	773	$	1,374	$	1,121
Interest income on impaired loans recognized on an accrual basis		$	280	$	473	$	560

			2014
					Commercial Real Estate								Total Recorded
									Commercial		All		Investment in
					Commercial		Commercial		Owner		Other		Impaired
(In thousands)			Commercial		AD&C		Investor R/E		Occupied R/E		Loans		Loans
Impaired loans with a specific allowance
		Non-accruing	$	473	$	1,330	$	2,288	$	5,013	$	-	$	9,104
		Restructured accruing		687		-		-		-		-		687
		Restructured non-accruing		308		-		76		1,236		-		1,620
	Balance		$	1,468	$	1,330	$	2,364	$	6,249	$	-	$	11,411
	Allowance		$	788	$	741	$	541	$	824	$	-	$	2,894
Impaired loans without a specific allowance
		Non-accruing	$	1,115	$	-	$	5,792	$	1,769	$	-	$	8,676
		Restructured accruing		23		-		2,123		-		2,664		4,810
		Restructured non-accruing		1,288		1,134		-		923		1,177		4,522
	Balance		$	2,426	$	1,134	$	7,915	$	2,692	$	3,841	$	18,008
Total impaired loans
		Non-accruing	$	1,588	$	1,330	$	8,080	$	6,782	$	-	$	17,780
		Restructured accruing		710		-		2,123		-		2,664		5,497
		Restructured non-accruing		1,596		1,134		76		2,159		1,177		6,142
	Balance		$	3,894	$	2,464	$	10,279	$	8,941	$	3,841	$	29,419
Unpaid principal balance in total impaired loans			$	5,360	$	7,044	$	14,926	$	10,729	$	4,126	$	42,185

	2014
			Commercial Real Estate								Total Recorded
							Commercial		All		Investment in
			Commercial		Commercial		Owner		Other		Impaired
(In thousands)	Commercial		AD&C		Investor R/E		Occupied R/E		Loans		Loans
Average impaired loans for the period	$	5,308	$	3,651	$	9,327	$	8,963	$	7,082	$	34,331
Contractual interest income due on impaired loans during the period	$	311	$	352	$	730	$	859	$	87
Interest income on impaired loans recognized on a cash basis	$	252	$	39	$	78	$	344	$	60
Interest income on impaired loans recognized on an accrual basis	$	63	$	-	$	111	$	-	$	106

			2013
					Commercial Real Estate								Total Recorded
									Commercial		All		Investment in
					Commercial		Commercial		Owner		Other		Impaired
(In thousands)			Commercial		AD&C		Investor R/E		Occupied R/E		Loans		Loans
Impaired loans with a specific allowance
		Non-accruing	$	374	$	1,360	$	749	$	2,022	$	-	$	4,505
		Restructured accruing		790		-		-		1,174		2,365		4,329
		Restructured non-accruing		349		1,122		-		1,274		638		3,383
	Balance		$	1,513	$	2,482	$	749	$	4,470	$	3,003	$	12,217
	Allowance		$	849	$	1,031	$	126	$	426	$	626	$	3,058
Impaired loans without a specific allowance
		Non-accruing	$	1,532	$	382	$	5,440	$	646	$	-	$	8,000
		Restructured accruing		1,417		-		852		-		2,861		5,130
		Restructured non-accruing		1,146		1,264		613		1,995		2,158		7,176
	Balance		$	4,095	$	1,646	$	6,905	$	2,641	$	5,019	$	20,306
Total impaired loans
		Non-accruing	$	1,906	$	1,742	$	6,189	$	2,668	$	-	$	12,505
		Restructured accruing		2,207		-		852		1,174		5,226		9,459
		Restructured non-accruing		1,495		2,386		613		3,269		2,796		10,559
	Balance		$	5,608	$	4,128	$	7,654	$	7,111	$	8,022	$	32,523
Unpaid principal balance in total impaired loans			$	7,943	$	10,318	$	12,351	$	8,684	$	8,650	$	47,946

	2013
			Commercial Real Estate								Total Recorded
							Commercial		All		Investment in
			Commercial		Commercial		Owner		Other		Impaired
(In thousands)	Commercial		AD&C		Investor R/E		Occupied R/E		Loans		Loans
Average impaired loans for the period	$	7,153	$	5,451	$	10,605	$	8,386	$	6,784	$	38,379
Contractual interest income due on impaired loans during the period	$	452	$	654	$	587	$	692	$	227
Interest income on impaired loans recognized on a cash basis	$	238	$	253	$	75	$	725	$	83
Interest income on impaired loans recognized on an accrual basis	$	133	$	-	$	30	$	77	$	233

Recorded Investment with Respect to Impaired loans, Associated Allowance by Applicable Portfolio Segment and Principal Balance of Impaired Loans Prior to Amounts Charged-Off

		2014
				Commercial Real Estate										Residential Real Estate
								Commercial
				Commercial		Commercial		Owner						Residential		Residential
(In thousands)		Commercial		AD&C		Investor R/E		Occupied R/E		Leasing		Consumer		Mortgage		Construction		Total
Non-performing loans and assets:
	Non-accrual loans and leases	$	3,184	$	2,464	$	8,156	$	8,941	$	-	$	1,668	$	3,012	$	1,105	$	28,530
	Restructured loans and leases		710		-		2,123		-		-		-		2,664		-		5,497
Total non-performing loans and leases			3,894		2,464		10,279		8,941		-		1,668		5,676		1,105		34,027
	Other real estate owned		39		365		-		-		-		-		1,408		1,383		3,195
Total non-performing assets		$	3,933	$	2,829	$	10,279	$	8,941	$	-	$	1,668	$	7,084	$	2,488	$	37,222

		2013
				Commercial Real Estate										Residential Real Estate
								Commercial
				Commercial		Commercial		Owner						Residential		Residential
(In thousands)		Commercial		AD&C		Investor R/E		Occupied R/E		Leasing		Consumer		Mortgage		Construction		Total
Non-performing loans and assets:
	Non-accrual loans and leases	$	3,400	$	4,127	$	6,802	$	5,936	$	-	$	2,259	$	5,735	$	2,315	$	30,574
	Loans and leases 90 days past due		-		-		-		-		-		1		-		-		1
	Restructured loans and leases		2,207		-		852		1,174		-		29		5,197		-		9,459
Total non-performing loans and leases			5,607		4,127		7,654		7,110		-		2,289		10,932		2,315		40,034
	Other real estate owned		54		365		-		-		-		-		919		-		1,338
Total non-performing assets		$	5,661	$	4,492	$	7,654	$	7,110	$	-	$	2,289	$	11,851	$	2,315	$	41,372

			2014
					Commercial Real Estate										Residential Real Estate
									Commercial
					Commercial		Commercial		Owner						Residential		Residential
(In thousands)			Commercial		AD&C		Investor R/E		Occupied R/E		Leasing		Consumer		Mortgage		Construction		Total
Past due loans and leases
	31-60 days		$	759	$	-	$	2,374	$	2,658	$	11	$	797	$	3,064	$	-	$	9,663
	61-90 days			995		320		1,493		156		-		179		836		-		3,979
	> 90 days			-		-		-		-		-		-		-		-		-
		Total past due		1,754		320		3,867		2,814		11		976		3,900		-		13,642
	Non-accrual loans and leases			3,184		2,464		8,156		8,941		-		1,668		3,012		1,105		28,530
	Loans aquired with deteriorated credit quality			1,238		-		-		1,773		-		-		-		-		3,011
	Current loans			384,605		202,340		628,170		597,533		43		422,908		710,974		135,636		3,082,209
		Total loans and leases	$	390,781	$	205,124	$	640,193	$	611,061	$	54	$	425,552	$	717,886	$	136,741	$	3,127,392

			2013
					Commercial Real Estate										Residential Real Estate
									Commercial
					Commercial		Commercial		Owner						Residential		Residential
(In thousands)			Commercial		AD&C		Investor R/E		Occupied R/E		Leasing		Consumer		Mortgage		Construction		Total
Past due loans and leases
	31-60 days		$	382	$	-	$	5,826	$	876	$	4	$	716	$	4,119	$	-	$	11,923
	61-90 days			1,142		-		-		2,540		-		176		208		-		4,066
	> 90 days			-		-		-		-		-		1		-		-		1
		Total past due		1,524		-		5,826		3,416		4		893		4,327		-		15,990
	Non-accrual loans and leases			3,400		4,127		6,802		5,936		-		2,259		5,735		2,315		30,574
	Loans aquired with deteriorated credit quality			1,363		-		571		2,366		-		-		-		-		4,300
	Current loans			350,364		156,569		538,979		581,105		699		370,505		608,319		126,862		2,733,402
		Total loans and leases	$	356,651	$	160,696	$	552,178	$	592,823	$	703	$	373,657	$	618,381	$	129,177	$	2,784,266

Credit Quality of Loan Portfolio by Segment

			2014
							Residential Real Estate
							Residential		Residential
(In thousands)			Leasing		Consumer		Mortgage		Construction		Total
	Performing		$	54	$	423,884	$	712,210	$	135,636	$	1,271,784
	Non-performing:
		90 days past due		-		-		-		-		-
		Non-accruing		-		1,668		3,012		1,105		5,785
		Restructured loans and leases		-		-		2,664		-		2,664
Total			$	54	$	425,552	$	717,886	$	136,741	$	1,280,233

			2013
							Residential Real Estate
							Residential		Residential
(In thousands)			Leasing		Consumer		Mortgage		Construction		Total
	Performing		$	703	$	371,368	$	607,449	$	126,862	$	1,106,382
	Non-performing:
		90 days past due		-		1		-		-		1
		Non-accruing		-		2,259		5,735		2,315		10,309
		Restructured loans and leases		-		29		5,197		-		5,226
Total			$	703	$	373,657	$	618,381	$	129,177	$	1,121,918

Credit Risk Rating Indicators

		2014
				Commercial Real Estate
								Commercial
				Commercial		Commercial		Owner
(In thousands)		Commercial		AD&C		Investor R/E		Occupied R/E		Total
	Pass	$	366,367	$	201,642	$	621,511	$	581,575	$	1,771,095
	Special Mention		8,835		698		3,931		7,669		21,133
	Substandard		15,579		2,784		14,751		21,817		54,931
	Doubtful		-		-		-		-		-
Total		$	390,781	$	205,124	$	640,193	$	611,061	$	1,847,159

		2013
				Commercial Real Estate
								Commercial
				Commercial		Commercial		Owner
(In thousands)		Commercial		AD&C		Investor R/E		Occupied R/E		Total
	Pass	$	324,941	$	154,869	$	523,901	$	553,604	$	1,557,315
	Special Mention		16,166		-		2,944		15,702		34,812
	Substandard		15,274		5,827		25,333		23,517		69,951
	Doubtful		270		-		-		-		270
Total		$	356,651	$	160,696	$	552,178	$	592,823	$	1,662,348

Restructured Loans for Specific Segments of Loan Portfolio

		For the Year Ended December 31, 2014
				Commercial Real Estate
								Commercial		All
				Commercial		Commercial		Owner		Other
(In thousands)		Commercial		AD&C		Investor R/E		Occupied R/E		Loans		Total
Troubled debt restructurings
	Restructured accruing	$	75	$	-	$	1,284	$	-	$	-	$	1,359
	Restructured non-accruing		92		192		-		-		-		284
Balance		$	167	$	192	$	1,284	$	-	$	-	$	1,643
Specific allowance		$	99	$	-	$	-	$	-	$	-	$	99
Restructured and subsequently defaulted		$	-	$	-	$	-	$	-	$	-	$	-

		For the Year Ended December 31, 2013
				Commercial Real Estate
								Commercial		All
				Commercial		Commercial		Owner		Other
(In thousands)		Commercial		AD&C		Investor R/E		Occupied R/E		Loans		Total
Troubled debt restructurings
	Restructured accruing	$	87	$	-	$	852	$	-	$	2,064	$	3,003
	Restructured non-accruing		425		-		-		-		-		425
Balance		$	512	$	-	$	852	$	-	$	2,064	$	3,428
Specific allowance		$	141	$	-	$	-	$	-	$	-	$	141
Restructured and subsequently defaulted		$	-	$	-	$	-	$	-	$	-	$	-