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Allowance for Credit Losses (Tables)
 12 Months Ended
Dec. 31, 2021
Receivables [Abstract]  
Schedule of originated and acquired credit losses by portfolio segment
Changes in the allowance for credit losses for the years ended December 31, 2021, 2020 and 2019 are summarized as follows:

Allowance for Credit Losses - Loans and Leases
(In thousands)202120202019
Total allowance at beginning of year $51,669 $39,892 $43,410 
Impact of adopting ASU 2016-130 (2,534)0 
(Credit) provision for credit loss expense(2,805)16,151 1,366 
Recoveries on loans and leases1,725 631 906 
Charge-offs on loans and leases(7,746)(2,471)(5,790)
Total allowance at end of year$42,843 $51,669 $39,892 
 
Allowance for Credit Losses - Off-Balance Sheet Credit Exposures

(In thousands)202120202019
Liabilities for off-balance sheet credit exposures at beginning of period$1,920 $476 $748 
Impact of adopting ASU 2016-130 382 0 
Provision (credit) for credit loss expense related to off-balance sheet credit exposures586 1,062 (272)
Liabilities for off-balance sheet credit exposures at end of period$2,506 $1,920 $476 

The following table details activity in the allowance for credit losses for loans for the years ended December 31, 2021 and 2020. As previously discussed, the Company adopted ASU 2016-13 on January 1, 2020 using the modified retrospective approach. Results for the periods beginning after January 1, 2020 are presented under ASC 326. As a result of the adoption of ASC 326, the Company recorded a net cumulative-effect adjustment reducing the allowance for credit losses by $2.5 million. The allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories.
 
December 31, 2021
(In thousands)Commercial
& Industrial		Commercial
Real Estate		Residential
Real Estate		Consumer
and Other		Finance
Leases		Total
Allowance for credit losses:
Beginning balance$9,239 $30,546 $10,257 $1,562 $65 $51,669 
Charge-offs(274)(6,957)(77)(438)0 (7,746)
Recoveries118 1,175 236 196 0 1,725 
(Credit) provision for credit loss expense(2,748)49 (277)172 (1)(2,805)
Ending Balance$6,335 $24,813 $10,139 $1,492 $64 $42,843 
 
December 31, 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 ASU 2016-13$10,541 $21,608 $6,381 $1,362 $0 $39,892 
Impact of adopting ASU 2016-13(2,008)(5,917)4,459 850 82 $(2,534)
Charge-offs(2)(1,903)(84)(482)0 (2,471)
Recoveries131 58 194 248 0 631 
(Credit) provision for credit loss expense577 16,700 (693)(416)(17)16,151 
Ending Balance$9,239 $30,546 $10,257 $1,562 $65 $51,669 

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:

December 31, 2021
(In thousands)Real EstateBusiness AssetsOtherTotalACL Allocation
Commercial and Industrial$142 $395 $328 $865 $26 
Commercial Real Estate13,334 0 1,931 15,265 40 
Residential Real Estate32 0 0 32 1 
Total$13,508 $395 $2,259 $16,162 $67 
Schedule of troubled debt restructurings
The following tables present loans by class modified in 2021 and 2020 as troubled debt restructurings. Post-modification balances reflect paydowns and charge-offs at time of modification.
 
Troubled Debt Restructuring
December 31, 2021Year 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
2 219 219 1 201 
Total2 $219 $219 1 $201 
1Represents the following concessions: extension of term and reduction of rate.
2TDRs that defaulted during the 12 months ended December 31, 2021, that had been restructured in the prior twelve months.
December 31, 2020Year 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
Commercial & industrial
Commercial and industrial other1
1 $24 $24 0 $0 
Residential real estate
Mortgages1
2 274 274 1 37 
Home equity1
1 43 43 1 87 
Consumer and other
Consumer and other1
14 4 00 
Total5 $345 $345 2 $124 
1Represents the following concessions: extension of term and reduction of rate.
2TDRs that defaulted during the 12 months ended December 31, 2020, that had been restructured in the prior twelve months.
Schedule of credit quality indicators on loans 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 December 31, 2021.

(In thousands)20212020201920182017PriorRevolving Loans Amortized Cost BasisRevolving Loans Converted to TermTotal Loans
Commercial and Industrial - Other:
Pass$123,996 $58,432 $54,116 $42,093 $35,725 $239,093 $125,476 $10,039 $688,970 
Special Mention156 770 450 100 201 393 1,417 0 3,487 
Substandard179 584 47 575 0 637 4,642 0 6,664 
Total Commercial and Industrial - Other$124,331 $59,786 $54,613 $42,768 $35,926 $240,123 $131,535 $10,039 $699,121 
Commercial and Industrial - PPP:
Pass$71,260 $0 $0 $0 $0 $0 $0 $0 $71,260 
Special Mention0 0 0 0 0 0 0 0 0 
Substandard0 0 0 0 0 0 0 0 0 
Total Commercial and Industrial - PPP$71,260 $0 $0 $0 $0 $0 $0 $0 $71,260 
Commercial and Industrial - Agriculture:
Pass$8,573 $6,782 $5,700 $10,136 $6,867 $3,186 $53,145 $595 $94,984 
Special Mention0 0 0 23 0 0 0 0 23 
Substandard0 85 11 0 93 2,316 1,660 0 4,165 
Total Commercial and Industrial - Agriculture$8,573 $6,867 $5,711 $10,159 $6,960 $5,502 $54,805 $595 $99,172 
Commercial Real Estate
Pass$325,874 $271,680 $249,266 $201,992 $212,991 $810,713 $44,264 $43,225 $2,160,005 
Special Mention0 1,763 11,772 3,217 2,167 61,723 358 0 81,000 
Substandard3,482 0 2,262 2,518 8,509 20,401 422 0 37,594 
Total Commercial Real Estate$329,356 $273,443 $263,300 $207,727 $223,667 $892,837 $45,044 $43,225 $2,278,599 
Commercial Real Estate - Agriculture:
Pass$23,151 $21,856 $28,943 $41,064 $23,195 $50,809 $1,949 $2,850 $193,817 
Special Mention0 479 0 0 0 350 35 0 864 
Substandard0 0 0 39 0 1,253 0 0 1,292 
Total Commercial Real Estate - Agriculture$23,151 $22,335 $28,943 $41,103 $23,195 $52,412 $1,984 $2,850 $195,973 
Commercial Real Estate - Construction
Pass$12,840 $10,025 $16,325 $7,542 $1,274 $6,559 $112,537 $10,037 $177,139 
Special Mention0 0 0 0 0 0 0 0 0 
Substandard0 0 0 0 0 643 800 0 1,443 
Total Commercial Real Estate - Construction$12,840 $10,025 $16,325 $7,542 $1,274 $7,202 $113,337 $10,037 $178,582 
The following table presents credit quality indicators by total loans on an amortized cost basis by origination year as of December 31, 2021, continued.

(In thousands)20212020201920182017PriorRevolving Loans Amortized Cost BasisRevolving Loans Converted to TermTotal Loans
Residential - Home Equity
Performing$2,033 $1,142 $3,041 $1,600 $1,572 $3,144 $161,630 $6,050 $180,212 
Nonperforming0 0 16 0 0 604 1,839 0 2,459 
Total Residential - Home Equity$2,033 $1,142 $3,057 $1,600 $1,572 $3,748 $163,469 $6,050 $182,671 
Residential - Mortgages
Performing$324,967 $282,202 $162,574 $97,778 $124,221 $275,133 $14,112 $1,205 $1,282,192 
Nonperforming0 0 241 702 693 7,060 23 0 8,719 
Total Residential - Mortgages$324,967 $282,202 $162,815 $98,480 $124,914 $282,193 $14,135 $1,205 $1,290,911 
Consumer - Direct
Performing$20,653 $10,735 $9,397 $5,542 $4,849 $10,602 $5,435 $0 $67,213 
Nonperforming0 9 44 117 12 0 1 $0 183 
Total Consumer - Direct$20,653 $10,744 $9,441 $5,659 $4,861 $10,602 $5,436 $0 $67,396 
Consumer - Indirect
Performing$1,809 $854 $812 $506 $362 $66 $0 $0 $4,409 
Nonperforming0 2 148 81 1 14 0 0 246 
Total Consumer - Indirect$1,809 $856 $960 $587 $363 $80 $0 $0 $4,655 
The following tables present credit quality indicators (internal risk grade) by class of commercial and industrial loans and commercial real estate loans as of December 31, 2020. 
(In thousands)20202019201820172016PriorRevolving Loans Amortized Cost BasisRevolving Loans Converted to TermTotal Loans
Commercial and Industrial - Other:
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 - 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 and Industrial - Agriculture:
Pass$11,536 $8,005 $11,162 $6,531 $3,539 $2,599 $41,936 $1,340 $86,648 
Special Mention0 0 28 729 0 0 2,080 0 2,837 
Substandard99 83 0 202 0 2,308 2,312 0 5,004 
Total Commercial and Industrial - Agriculture$11,635 $8,088 $11,190 $7,462 $3,539 $4,907 $46,328 $1,340 $94,489 
Commercial 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 December 31, 2020, continued.

(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