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Allowance for Credit Losses (Tables)
 12 Months Ended
Dec. 31, 2022
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, 2022, 2021 and 2020 are summarized as follows:

Allowance for Credit Losses - Loans and Leases
(In thousands)202220212020
Total allowance at beginning of year $42,843 $51,669 $39,892 
Impact of adopting ASU 2016-130 0 (2,534)
Provision (credit) for credit loss expense2,499 (2,805)16,151 
Recoveries on loans and leases1,798 1,725 631 
Charge-offs on loans and leases(1,206)(7,746)(2,471)
Total allowance at end of year$45,934 $42,843 $51,669 

Allowance for Credit Losses - Off-Balance Sheet Credit Exposures

(In thousands)202220212020
Liabilities for off-balance sheet credit exposures at beginning of period$2,506 $1,920 $476 
Impact of adopting ASU 2016-130 0 382 
Provision for credit loss expense related to off-balance sheet credit exposures290 586 1,062 
Liabilities for off-balance sheet credit exposures at end of period$2,796 $2,506 $1,920 

The following tables detail activity in the allowance for credit losses for loans for the years ended December 31, 2022 and 2021. 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, 2022
(In thousands)Commercial
& Industrial		Commercial
Real Estate		Residential
Real Estate		Consumer
and Other		Finance
Leases		Total
Allowance for credit losses:
Beginning balance$6,335 $24,813 $10,139 $1,492 $64 $42,843 
Charge-offs(559)(50)(53)(544)0 (1,206)
Recoveries195 951 346 306 0 1,798 
Provision for credit loss expense68 1,573 722 104 32 2,499 
Ending Balance$6,039 $27,287 $11,154 $1,358 $96 $45,934 
 
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 

The following tables 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 as of December 31, 2022 and 2021:

December 31, 2022
(In thousands)Real EstateBusiness AssetsOtherTotalACL Allocation
Commercial and Industrial$642 $28 $0 $670 $0 
Commercial Real Estate13,209 0 78 13,287 0 
Residential Real Estate188 0 0 188 3 
Total$15,554 $28 $78 $15,660 $3 

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 2022 and 2021 as troubled debt restructurings. Post-modification balances reflect paydowns and charge-offs at time of modification.
 
December 31, 2022Year 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
Mortgages7 $714 $714 1 $87 
Total7 $714 $714 1 $87 
1Represents the following concessions: extension of term and reduction of rate.
2TDRs that defaulted during the 12 months ended December 31, 2022, that had been restructured in the prior twelve months.

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.
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, 2022.

(In thousands)20222021202020192018PriorRevolving Loans Amortized Cost BasisRevolving Loans Converted to TermTotal Loans
Commercial and Industrial - Other:
Pass$124,190 $79,861 $38,158 $41,391 $33,238 $156,038 $215,890 $6,466 $695,232 
Special Mention0 127 421 285 271 1,380 501 0 2,985 
Substandard0 111 442 35 733 503 5,659 0 7,483 
Total Commercial and Industrial - Other$124,190 $80,099 $39,021 $41,711 $34,242 $157,921 $222,050 $6,466 $705,700 
Commercial and Industrial - PPP:
Pass$0 $416 $340 $0 $0 $0 $0 $0 $756 
Special Mention0 0 0 0 0 0 0 0 0 
Substandard0 0 0 0 0 0 0 0 0 
Total Commercial and Industrial - PPP$0 $416 $340 $0 $0 $0 $0 $0 $756 
Commercial and Industrial - Agriculture:
Pass$16,694 $4,120 $4,944 $4,186 $7,734 $4,883 $42,097 $215 $84,873 
Special Mention0 58 0 0 0 0 50 0 108 
Substandard0 0 71 0 0 16 5 0 92 
Total Commercial and Industrial - Agriculture$16,694 $4,178 $5,015 $4,186 $7,734 $4,899 $42,152 $215 $85,073 
Commercial Real Estate
Pass$342,311 $367,104 $311,607 $279,587 $203,016 $812,563 $10,906 $24,503 $2,351,597 
Special Mention643 3,406 1,688 11,462 2,555 25,361 0 0 45,115 
Substandard78 110 0 3,394 1,692 35,221 132 0 40,627 
Total Commercial Real Estate$343,032 $370,620 $313,295 $294,443 $207,263 $873,145 $11,038 $24,503 $2,437,339 
Commercial Real Estate - Agriculture:
Pass$33,241 $24,125 $22,831 $25,576 $37,835 $65,112 $3,131 $1,235 $213,086 
Special Mention0 0 0 401 0 1,142 0 0 1,543 
Substandard0 0 0 186 38 110 0 0 334 
Total Commercial Real Estate - Agriculture$33,241 $24,125 $22,831 $26,163 $37,873 $66,364 $3,131 $1,235 $214,963 
Commercial Real Estate - Construction
Pass$23,105 $75,245 $27,584 $14,842 $9,083 $7,268 $42,701 $1,288 $201,116 
Special Mention0 0 0 0 0 0 0 0 0 
Substandard0 0 0 0 0 0 0 0 0 
Total Commercial Real Estate - Construction$23,105 $75,245 $27,584 $14,842 $9,083 $7,268 $42,701 $1,288 $201,116 
The following table presents credit quality indicators by total loans on an amortized cost basis by origination year as of December 31, 2022, continued.

(In thousands)20222021202020192018PriorRevolving Loans Amortized Cost BasisRevolving Loans Converted to TermTotal Loans
Residential - Home Equity
Performing$3,030 $1,062 $637 $992 $792 $3,183 $175,451 $1,085 $186,232 
Nonperforming0 0 0 14 0 25 2,352 0 2,391 
Total Residential - Home Equity$3,030 $1,062 $637 $1,006 $792 $3,208 $177,803 $1,085 $188,623 
Residential - Mortgages
Performing$187,129 $272,235 $239,584 $117,391 $66,605 $452,221 $0 $0 $1,335,165 
Nonperforming218 335 628 682 1,552 7,738 0 0 11,153 
Total Residential - Mortgages$187,347 $272,570 $240,212 $118,073 $68,157 $459,959 $0 $0 $1,346,318 
Consumer - Direct
Performing$31,243 $13,999 $7,372 $6,138 $4,386 $8,029 $4,070 $0 $75,237 
Nonperforming0 0 3 93 76 0 3 $0 175 
Total Consumer - Direct$31,243 $13,999 $7,375 $6,231 $4,462 $8,029 $4,073 $0 $75,412 
Consumer - Indirect
Performing$0 $156 $146 $1,092 $635 $101 $0 $0 $2,130 
Nonperforming0 0 0 76 10 8 0 0 94 
Total Consumer - Indirect$0 $156 $146 $1,168 $645 $109 $0 $0 $2,224 
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, 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 - 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 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 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 61,723 358 081,000 
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