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Allowance for Credit Losses (Tables)
 9 Months Ended
Sep. 30, 2021
Receivables [Abstract]  
Schedule of allowance for loan and lease losses segregated by originated and acquired loan and lease portfolios and by portfolio segment
The following table details activity in the allowance for credit losses on loans for the three and nine months ended September 30, 2021 and 2020. The Company adopted ASU 2016-13 on January 1, 2020 using the modified retrospective approach. The transition adjustment included a decrease in the allowance of $2.5 million. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories.

Three Months Ended September 30, 2021
(In thousands)Commercial
& Industrial		Commercial
Real Estate		Residential
Real Estate		Consumer
and Other		Finance
Leases		Total
Allowance for credit losses:
Beginning balance$7,113 $29,201 $9,534 $1,590 $67 $47,505 
Charge-offs(157)0 0 (53)0 (210)
Recoveries16 2 65 58 0 141 
(Credit) provision for credit loss expense(774)(119)(184)(99)(1)(1,177)
Ending Balance$6,198 $29,084 $9,415 $1,496 $66 $46,259 

Three Months Ended September 30, 2020
(In thousands)Commercial
& Industrial		Commercial
Real Estate		Residential
Real Estate		Consumer
and Other		Finance
Leases		Total
Allowance for credit losses:
Beginning balance$11,113 $24,286 $15,012 $1,596 $75 $52,082 
Charge-offs0 0 (30)(145)0 (175)
Recoveries89 9 16 73 0 187 
(Credit) provision for credit loss expense(3,918)4,264 (65)(75)(7)199 
Ending Balance$7,284 $28,559 $14,933 $1,449 $68 $52,293 
Nine Months Ended September 30, 2021
(In thousands)Commercial
& Industrial		Commercial
Real Estate		Residential
Real Estate		Consumer
and Other		Finance
Leases		Total
Allowance for credit losses:
Beginning balances$9,239 $30,546 $10,257 $1,562 $65 $51,669 
Charge-offs(274)0 (51)(218)0 (543)
Recoveries116 1,040 229 153 0 1,538 
(Credit) provision for credit loss expense(2,883)(2,502)(1,020)(1)1 (6,405)
Ending Balance$6,198 $29,084 $9,415 $1,496 $66 $46,259 

Nine Months Ended September 30, 2020
(In thousands)Commercial
& Industrial		Commercial
Real Estate		Residential
Real Estate		Consumer
and Other		Finance
Leases		Total
Allowance for credit losses:
Beginning balance, prior to adoption of ASC 326$10,541 $21,608 $6,381 $1,362 $0 $39,892 
Impact of adopting ASC 326(2,008)(5,917)4,459 850 82 (2,534)
Charge-offs(1)(1,305)(33)(409)0 (1,748)
Recoveries125 40 178 195 0 538 
(Credit) provision for credit loss expense(1,373)14,133 3,948 (549)(14)16,145 
Ending Balance$7,284 $28,559 $14,933 $1,449 $68 $52,293 

At September 30, 2021 and December 31, 2020, the balance of the allowance for credit losses for off-balance sheet exposures was $2.2 million and $1.9 million, respectively. The Company recorded a provision credit of $55,000 and a provision expense of $272,000 related to off-balance sheet credit exposures for the third quarter of 2021 and for the nine months ended September 30, 2021, respectively, compared to a provision credit of $417,000 and provision expense of $1.3 million, respectively, for the same periods in 2020.

The following table presents the amortized cost basis of collateral dependent loans, which are individually evaluated to determine expected credit losses, and the related allowance for credit losses allocated to these loans:

(In thousands)Real EstateBusiness AssetsOtherTotalACL Allocation
September 30, 2021
Commercial and Industrial$107 $461 $328 $896 $29 
Commercial Real Estate36,494 0 2 36,496 3,180 
Total$36,601 $461 $330 $37,392 $3,209 

(In thousands)Real EstateBusiness AssetsOtherTotalACL Allocation
December 31, 2020
Commercial and Industrial$103 $582 $110 $795 $122 
Commercial Real Estate24,277 1,418 0 25,695 186 
Total$24,380 $2,000 $110 $26,490 $308 
Schedule of loans modified in troubled debt restructuring
The following tables present information on loans modified in a TDR during the three and nine months ended September 30, 2021 and 2020. Post-modification amounts are presented as of September 30, 2021 and September 30, 2020.

September 30, 2021Three Months Ended
Defaulted TDRs2
(In thousands)Number of LoansPre-Modification Outstanding Recorded InvestmentPost-Modification Outstanding Recorded InvestmentNumber of LoansPost-Modification Outstanding Recorded Investment
Residential real estate
  Home equity1
1 $112 $112 1 $201 
Total1 $112 $112 1 $201 
1  Represents the following concessions:  extension of term and reduction of rate.
2 TDRs that defaulted during the three months ended September 30, 2021 that were restructured in the prior twelve months.

September 30, 2020Three Months Ended
Defaulted TDRs2
(In thousands)Number of LoansPre-Modification Outstanding Recorded InvestmentPost-Modification Outstanding Recorded InvestmentNumber of LoansPost-Modification Outstanding Recorded Investment
Commercial & industrial
  Commercial real estate other1
1 $196 $196 0 $0 
Consumer and other
Consumer and other1
1 4 4 0 0 
Total2 $200 $200 0 $0 
1  Represents the following concessions:  extension of term and reduction of rate.
2 TDRs that defaulted during the three months ended September 30, 2020 that were restructured in the prior twelve months.

September 30, 2021Nine Months Ended
Defaulted TDRs2
(In thousands)Number of
Loans		Pre-
Modification
Outstanding
Recorded
Investment		Post-Modification Outstanding Recorded InvestmentNumber of
Loans		Post-
Modification
Outstanding
Recorded
Investment
Residential real estate
Home equity1
1 $112 $112 1 $201 
Total1 $112 $112 1 $201 
1 Represents the following concessions:  extension of term and reduction of rate.
2 TDRs that defaulted during the nine months ended September 30, 2021 that were restructured in the prior twelve months.
Nine Months Ended
September 30, 2020
Defaulted TDRs2
(In thousands)Number of
Loans		Pre-
Modification
Outstanding
Recorded
Investment		Post-Modification Outstanding Recorded InvestmentNumber of
Loans		Post-
Modification
Outstanding
Recorded
Investment
Commercial real estate
  Commercial real estate other1
1 $196 $196 1 $37 
Residential real estate
  Home equity1
2 121 121 0 87 
Consumer and other
Consumer and other1
1 4 4 0 0 
Total4 $321 $321 2 $124 
1 Represents the following concessions:  extension of term and reduction of rate.
2 TDRs that defaulted during the nine months ended September 30, 2020 that were restructured in the prior twelve months.
Schedule of credit quality indicators by class of commercial and industrial loans and commercial real estate loans
The following table presents credit quality indicators by total loans on an amortized cost basis by origination year as of September 30, 2021 and December 31, 2020.

September 30, 2021
(In thousands)20212020201920182017PriorRevolving Loans Amortized Cost BasisRevolving Loans Converted to TermTotal Loans
Commercial & Industrial - Other:
Pass$99,129 $62,023 $57,126 $46,264 $43,901 $264,656 $138,153 $9,713 $720,965 
Special Mention164 815 532 141 310 523 705 0 3,190 
Substandard0 383 298 731 231 680 1,466 0 3,789 
Total Commercial & Industrial - Other$99,293 $63,221 $57,956 $47,136 $44,442 $265,859 $140,324 $9,713 $727,944 
Commercial and Industrial - PPP:
Pass$139,564 $2,366 $0 $0 $0 $0 $0 $0 $141,930 
Special Mention0 0 0 0 0 0 0 0 0 
Substandard0 0 0 0 0 0 0 0 0 
Total Commercial and Industrial - PPP$139,564 $2,366 $0 $0 $0 $0 $0 $0 $141,930 
Commercial and Industrial - Agriculture:
Pass$4,615 $7,736 $6,035 $9,497 $6,239 $3,590 $35,276 $566 $73,554 
Special Mention0 0 0 24 0 0 225 0 249 
Substandard0 89 17 0 106 2,328 1,992 0 4,532 
Total Commercial and Industrial - Agriculture$4,615 $7,825 $6,052 $9,521 $6,345 $5,918 $37,493 $566 $78,335 
Commercial Real Estate
Pass$229,984 $269,752 $255,296 $205,093 $226,830 $824,671 $56,018 $33,366 $2,101,010 
Special Mention0 1,774 11,982 3,151 2,190 74,499 360 0 93,956 
Substandard0 0 5,012 18,472 8,516 26,051 173 0 58,224 
Total Commercial Real Estate$229,984 $271,526 $272,290 $226,716 $237,536 $925,221 $56,551 $33,366 $2,253,190 
Commercial Real Estate - Agriculture:
Pass$13,096 $22,063 $30,564 $42,335 $23,616 $53,458 $2,252 $2,553 $189,937 
Special Mention0 483 0 0 0 381 49 0 913 
Substandard0 0 0 40 0 1,293 0 0 1,333 
Total Commercial Real Estate - Agriculture$13,096 $22,546 $30,564 $42,375 $23,616 $55,132 $2,301 $2,553 $192,183 
Commercial Real Estate - Construction
Pass$10,828 $11,619 $17,533 $7,591 $1,343 $7,391 $105,778 $7,148 $169,231 
Special Mention0 0 0 0 0 0 0 0 0 
Substandard0 0 0 0 0 648 767 0 1,415 
Total Commercial Real Estate - Construction$10,828 $11,619 $17,533 $7,591 $1,343 $8,039 $106,545 $7,148 $170,646 
December 31, 2020
(In thousands)20202019201820172016PriorRevolving Loans Amortized Cost BasisRevolving Loans Converted to TermTotal Loans
Commercial & Industrial - Other:
Internal risk grade:
Pass$91,597 $72,639 $56,191 $60,714 $33,402 $301,027 $149,969 $16,301 $781,840 
Special Mention1,064 367 344 912 2,045 228 1,331 0 6,291 
Substandard412 305 933 485 292 783 1,646 0 4,856 
Total Commercial & Industrial - Other$93,073 $73,311 $57,468 $62,111 $35,739 $302,038 $152,946 $16,301 $792,987 
Commercial and Industrial - Agriculture:
Pass$11,536 $8,005 $11,162 $6,531 $3,539 $2,599 $41,936 $1,340 $86,648 
Special Mention0028729002,080 02,837 
Substandard9983020202,308 2,312 05,004 
Total Commercial and Industrial - Agriculture$11,635 $8,088 $11,190 $7,462 $3,539 $4,907 $46,328 $1,340 $94,489 
Commercial and Industrial - PPP:
Pass$291,252 $0 $0 $0 $0 $0 $0 $0 $291,252 
Special Mention0 0 0 0 0 0 0 0 0 
Substandard0 0 0 0 0 0 0 0 0 
Total Commercial and Industrial - PPP$291,252 $0 $0 $0 $0 $0 $0 $0 $291,252 
Commercial Real Estate
Pass$278,747 $246,331 $232,651 $237,487 $290,106 $664,027 $33,117 $64,903 $2,047,369 
Special Mention35 13,016 5,612 4,654 34,310 46,074 203 0 103,904 
Substandard0 4,933 18,395 6,172 5,625 17,610 302 0 53,037 
Total Commercial Real Estate$278,782 $264,280 $256,658 $248,313 $330,041 $727,711 $33,622 $64,903 $2,204,310 
Commercial Real Estate - Agriculture:
Pass$22,440 $35,081 $44,519 $22,356 $17,081 $44,559 $919 $5,602 $192,557 
Special Mention1,960 0 575 1,366 1,053 6 49 0 5,009 
Substandard0 0 0 1,777 713 1,527 283 0 4,300 
Total Commercial Real Estate - Agriculture$24,400 $35,081 $45,094 $25,499 $18,847 $46,092 $1,251 $5,602 $201,866 
Commercial Real Estate - Construction
Pass$14,465 $20,705 $7,999 $2,478 $1,879 $6,682 $85,513 $21,051 $160,772 
Special Mention0 0 0 0 0 467 1,453 0 1,920 
Substandard0 0 0 0 0 324 0 0 324 
Total Commercial Real Estate - Construction$14,465 $20,705 $7,999 $2,478 $1,879 $7,473 $86,966 $21,051 $163,016 
The following table presents credit quality indicators by total loans on an amortized cost basis by origination year as of September 30, 2021 and December 31, 2020, continued.

September 30, 2021
(In thousands)20212020201920182017PriorRevolving Loans Amortized Cost BasisRevolving Loans Converted to TermTotal Loans
Residential - Home Equity
Performing$1,395 $1,246 $3,157 $1,719 $1,728 $3,446 $165,588 $4,919 $183,198 
Nonperforming0 0 16 0 0 596 1,815 0 2,427 
Total Residential - Home Equity$1,395 $1,246 $3,173 $1,719 $1,728 $4,042 $167,403 $4,919 $185,625 
Residential - Mortgages
Performing$233,145 $289,745 $168,894 $104,697 $132,204 $317,803 $13,062 $917 $1,260,467 
Nonperforming0 0 242 568 696 8,006 26 0 9,538 
Total Residential - Mortgages$233,145 $289,745 $169,136 $105,265 $132,900 $325,809 $13,088 $917 $1,270,005 
Consumer - Direct
Performing$17,310 $11,569 $10,163 $5,962 $5,180 $11,265 $5,099 $0 $66,548 
Nonperforming0 5 64 63 11 0 3 $0 146 
Total Consumer - Direct$17,310 $11,574 $10,227 $6,025 $5,191 $11,265 $5,102 $0 $66,694 
Consumer - Indirect
Performing$1,484 $965 $308 $1,987 $484 $102 $0 $0 $5,330 
Nonperforming0 0 137 98 2 28 0 0 265 
Total Consumer Indirect$1,484 $965 $445 $2,085 $486 $130 $0 $0 $5,595 
December 31, 2020
(In thousands)20202019201820172016PriorRevolving Loans Amortized Cost BasisRevolving Loans Converted to TermTotal Loans
Residential - Home Equity
Performing$1,440 $2,764 $1,052 $2,120 $722 $1,106 $188,614 $44 $197,862 
Nonperforming0 18 0 0 194 506 2,247 0 2,965 
Total Residential - Home Equity$1,440 $2,782 $1,052 $2,120 $916 $1,612 $190,861 $44 $200,827 
Residential - Mortgages
Performing$305,476 $193,543 $123,205 $155,699 $178,149 $255,556 $11,735 $1,617 $1,224,980 
Nonperforming0 258 455 706 1,404 7,305 52 0 10,180 
Total Residential - Mortgages$305,476 $193,801 $123,660 $156,405 $179,553 $262,861 $11,787 $1,617 $1,235,160 
Consumer - Direct
Performing$14,840 $11,127 $8,011 $6,632 $2,854 $10,840 $6,835 $0 $61,139 
Nonperforming5 74 167 12 0 2 0 0 260 
Total Consumer - Direct$14,845 $11,201 $8,178 $6,644 $2,854 $10,842 $6,835 $0 $61,399 
Consumer - Indirect
Performing$1,424 $1,878 $3,327 $1,128 $382 $93 $0 $0 $8,232 
Nonperforming0 67 44 7 36 15 0 0 169 
Total Consumer Indirect$1,424 $1,945 $3,371 $1,135 $418 $108 $0 $0 $8,401