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ALLOWANCE FOR CREDIT LOSSES (Tables)
9 Months Ended
Sep. 30, 2017
ALLOWANCE FOR CREDIT LOSSES [Abstract]  
Changes In The Allowance For Credit Losses By Segment And Class







 

 

 

 

 

 

 

 

 

 



 

Nine months ended



 

September 30, 2017



 

Balance,

 

 

 

 

 

 

 

Balance,



 

Beginning of

 

 

 

 

 

 

 

End of



 

Period

 

Charge-offs

 

Recoveries

 

Provision

 

Period



 

(In thousands)

Commercial and industrial

 

$        19,170

 

$          (6,120)

 

$        2,005

 

$       2,749

 

$      17,804

Real estate

 

 

 

 

 

 

 

 

 

 

Consumer mortgages

 

30,386 

 

(2,311)

 

1,606 

 

1,024 

 

30,705 

Home equity

 

7,174 

 

(1,023)

 

844 

 

(1,162)

 

5,833 

Agricultural

 

2,172 

 

(104)

 

152 

 

(93)

 

2,127 

Commercial and industrial-owner occupied

 

12,899 

 

(1,884)

 

959 

 

2,889 

 

14,863 

Construction, acquisition and development

 

13,957 

 

(113)

 

1,792 

 

(2,181)

 

13,455 

Commercial real estate

 

24,845 

 

(69)

 

295 

 

(3,480)

 

21,591 

Credit cards

 

7,787 

 

(2,364)

 

631 

 

1,171 

 

7,225 

All other

 

5,346 

 

(1,861)

 

825 

 

1,583 

 

5,893 

Total

 

$      123,736

 

$        (15,849)

 

$        9,109

 

$       2,500

 

$    119,496













 

 

 

 

 

 

 

 

 

 



 

Year ended



 

December 31, 2016



 

Balance,

 

 

 

 

 

 

 

Balance,



 

Beginning of

 

 

 

 

 

 

 

End of



 

Period

 

Charge-offs

 

Recoveries

 

Provision

 

Period



 

(In thousands)

Commercial and industrial

 

$        17,583

 

$          (4,551)

 

$        1,833

 

$       4,305

 

$      19,170

Real estate

 

 

 

 

 

 

 

 

 

 

  Consumer mortgages

 

33,198 

 

(2,687)

 

1,694 

 

(1,819)

 

30,386 

  Home equity

 

6,949 

 

(1,884)

 

506 

 

1,603 

 

7,174 

  Agricultural

 

2,524 

 

(110)

 

175 

 

(417)

 

2,172 

  Commercial and industrial-owner occupied

 

14,607 

 

(1,095)

 

544 

 

(1,157)

 

12,899 

  Construction, acquisition and development

 

15,925 

 

(521)

 

1,373 

 

(2,820)

 

13,957 

  Commercial real estate

 

25,508 

 

(1,129)

 

2,411 

 

(1,945)

 

24,845 

Credit cards

 

4,047 

 

(2,845)

 

850 

 

5,735 

 

7,787 

All other

 

6,117 

 

(2,197)

 

911 

 

515 

 

5,346 

    Total

 

$      126,458

 

$        (17,019)

 

$      10,297

 

$       4,000

 

$    123,736









 

 

 

 

 

 

 

 

 

 



 

Nine months ended



 

September 30, 2016



 

Balance,

 

 

 

 

 

 

 

Balance,



 

Beginning of

 

 

 

 

 

 

 

End of



 

Period

 

Charge-offs

 

Recoveries

 

Provision

 

Period



 

(In thousands)

Commercial and industrial

 

$        17,583

 

$          (2,068)

 

$           814

 

$       1,516

 

$      17,845

Real estate

 

 

 

 

 

 

 

 

 

 

  Consumer mortgages

 

33,198 

 

(1,782)

 

1,281 

 

(1,078)

 

31,619 

  Home equity

 

6,949 

 

(1,011)

 

435 

 

1,674 

 

8,047 

  Agricultural

 

2,524 

 

(110)

 

160 

 

(422)

 

2,152 

  Commercial and industrial-owner occupied

 

14,607 

 

(1,075)

 

343 

 

(1,090)

 

12,785 

  Construction, acquisition and development

 

15,925 

 

(511)

 

1,178 

 

(3,015)

 

13,577 

  Commercial real estate

 

25,508 

 

(1,129)

 

2,235 

 

233 

 

26,847 

Credit cards

 

4,047 

 

(2,030)

 

642 

 

4,459 

 

7,118 

All other

 

6,117 

 

(1,617)

 

674 

 

723 

 

5,897 

    Total

 

$      126,458

 

$        (11,333)

 

$        7,762

 

$       3,000

 

$    125,887



Allowance For Credit Losses By Segment, Class And Impairment Status





 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 



 

September 30, 2017



 

Recorded

 

Allowance for

 

Allowance for

 

 



 

Balance of

 

Impaired Loans

 

All Other Loans

 

Total



 

Impaired Loans (1)

 

and Leases

 

and Leases

 

Allowance



 

(In thousands)

Commercial and industrial

 

$                  5,009

 

$                528

 

$             17,276

 

$        17,804

Real estate

 

 

 

 

 

 

 

 

Consumer mortgages

 

2,064 

 

 -

 

30,705 

 

30,705 

Home equity

 

767 

 

 -

 

5,833 

 

5,833 

Agricultural

 

5,276 

 

 -

 

2,127 

 

2,127 

Commercial and industrial-owner occupied

 

4,223 

 

 -

 

14,863 

 

14,863 

Construction, acquisition and development

 

 -

 

 -

 

13,455 

 

13,455 

Commercial real estate

 

2,392 

 

53 

 

21,538 

 

21,591 

Credit cards

 

 -

 

 -

 

7,225 

 

7,225 

All other

 

 -

 

 -

 

5,893 

 

5,893 

Total

 

$                19,731

 

$                581

 

$           118,915

 

$      119,496



(1)

Impaired loans are shown exclusive of accruing TDRs of $7.4 million and $3.3 million of non-accruing TDRs





 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 



 

December 31, 2016



 

Recorded

 

Allowance for

 

Allowance for

 

 



 

Balance of

 

Impaired Loans

 

All Other Loans

 

Total



 

Impaired Loans (1)

 

and Leases

 

and Leases

 

Allowance



 

(In thousands)

Commercial and industrial

 

$                  8,314

 

$              1,837

 

$             17,333

 

$        19,170

Real estate

 

 

 

 

 

 

 

 

Consumer mortgages

 

1,655 

 

 -

 

30,386 

 

30,386 

Home equity

 

857 

 

 -

 

7,174 

 

7,174 

Agricultural

 

861 

 

 -

 

2,172 

 

2,172 

Commercial and industrial-owner occupied

 

8,321 

 

 -

 

12,899 

 

12,899 

Construction, acquisition and development

 

5,933 

 

35 

 

13,922 

 

13,957 

Commercial real estate

 

12,296 

 

2,481 

 

22,364 

 

24,845 

Credit cards

 

 -

 

 -

 

7,787 

 

7,787 

All other

 

 -

 

 -

 

5,346 

 

5,346 

Total

 

$                38,237

 

$              4,353

 

$           119,383

 

$      123,736



(1) Impaired loans are shown exclusive of accruing TDRs of $26.0 million and $2.2 million of non-accruing TDRs