Allowance For Loan Losses (Tables)

12 Months Ended

Dec. 31, 2012

Allowance For Loan Losses [Abstract]

Schedule Of Allowance For Loan Loss By Portfolio Segment

(In thousands)		Commercial and industrial		Commercial real estate		Residential real estate		Home equity		Consumer		DDA overdrafts		Total
December 31, 2012:
Allowance for loan loss
Beginning balance	$	590	$	11,666	$	4,839	$	1,525	$	88	$	701	$	19,409
Charge-offs		226		4,604		1,030		1,355		190		1,522		8,927
Recoveries		32		289		22		18		135		1,456		1,952
Provision		102		3,089		1,398		1,511		48		227		6,375
Ending balance	$	498	$	10,440	$	5,229	$	1,699	$	81	$	862	$	18,809
December 31, 2011:
Allowance for loan loss
Beginning balance	$	1,864	$	8,488	$	5,337	$	1,452	$	95	$	988	$	18,224
Charge-offs		522		1,989		1,367		1,089		164		1,712		6,843
Recoveries		23		1,981		29		7		136		1,252		3,428
Provision		(775)		3,186		840		1,155		21		173		4,600
Ending balance	$	590	$	11,666	$	4,839	$	1,525	$	88	$	701	$	19,409
As of December 31, 2012:
Allowance for loan loss
Evaluated for impairment:
Individually	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Collectively		498		10,440		5,229		1,699		81		862		18,809
Acquired with deteriorated
credit quality		-		-		-		-		-		-		-
Total	$	498	$	10,440	$	5,229	$	1,699	$	81	$	862	$	18,809
Loans
Evaluated for impairment:
Individually	$	-	$	9,912	$	469	$	298	$	-	$	-	$	10,679
Collectively		108,739		805,365		1,030,840		142,724		36,453		4,551		2,128,672
Acquired with deteriorated
credit quality		-		6,693		126		88		111		-		7,018
Total	$	108,739	$	821,970	$	1,031,435	$	143,110	$	36,564	$	4,551	$	2,146,369
As of December 31, 2011:
Allowance for loan loss
Evaluated for impairment:
Individually	$	-	$	2,666	$	-	$	-	$	-	$	-	$	2,666
Collectively		590		9,000		4,839		1,525		88		701		16,743
Total	$	590	$	11,666	$	4,839	$	1,525	$	88	$	701	$	19,409
Loans
Evaluated for impairment:
Individually	$	81	$	15,311	$	476	$	298	$	-	$	-	$	16,166
Collectively		130,818		716,835		929,312		141,499		35,845		2,628		1,956,937
Total	$	130,899	$	732,146	$	929,788	$	141,797	$	35,845	$	2,628	$	1,973,103

Schedule Of Credit Quality Indicators

(In thousands)		Commercial and industrial		Commercial real estate		Residential real estate		Home equity		Consumer		DDA overdrafts		Total
December 31, 2012:
Risk Grade
Exceptional	$	3,355	$	1,795		-		-		-		-	$	5,150
Good		5,951		108,944		-		-		-		-		114,895
Acceptable		73,566		491,558		-		-		-		-		565,124
Pass/watch		22,818		169,320		-		-		-		-		192,138
Special mention		878		15,015		-		-		-		-		15,893
Substandard		2,171		35,338		-		-		-		-		37,509
Doubtful		-		-		-		-		-		-		-
Total	$	108,739	$	821,970										930,709
Payment Activity
Performing						1,029,142		141,961		36,564		4,548	$	1,212,215
Non-performing						2,293		1,149		-		3		3,445
Total					$	1,031,435	$	143,110	$	36,564	$	4,551	$	2,146,369
December 31, 2011:
Risk Grade
Exceptional	$	4,220	$	42		-		-		-		-	$	4,262
Good		6,728		107,718		-		-		-		-		114,446
Acceptable		93,077		411,721		-		-		-		-		504,798
Pass/watch		25,246		161,598		-		-		-		-		186,844
Special mention		470		16,802		-		-		-		-		17,272
Substandard		1,037		34,265		-		-		-		-		35,302
Doubtful		121		-		-		-		-		-		121
Total	$	130,899	$	732,146										863,045
Payment Activity
Performing					$	928,789	$	139,996	$	35,845	$	2,616	$	1,107,246
Non-performing						999		1,801		-		12		2,812
Total					$	929,788	$	141,797	$	35,845	$	2,628	$	1,973,103

Schedule Of Aging Analysis Of Accruing And Non-Accruing Loans

(In thousands)		Commercial and industrial		Commercial real estate		Residential real estate		Home equity		Consumer		DDA overdrafts		Total
December 31, 2012:
30 – 59 days past due	$	260	$	442	$	4,910	$	2,379	$	113	$	270	$	8,374
60 – 89 days past due		236		246		599		477		8		8		1,574
Over 90 days past due		-		1		239		37		-		3		280
Non-accrual		1,102		17,667		2,054		1,112		-		-		21,935
		1,598		18,356		7,802		4,005		121		281		32,163
Current		107,141		803,614		1,023,633		139,105		36,443		4,270		2,114,206
Total	$	108,739	$	821,970	$	1,031,435	$	143,110	$	36,564	$	4,551	$	2,146,369
December 31, 2011:
30 – 59 days past due	$	1,243	$	576	$	4,912	$	1,906	$	133	$	883	$	9,653
60 – 89 days past due		-		2,839		408		228		5		14		3,494
Over 90 days past due		-		-		42		112		-		12		166
Non-accrual		375		18,930		957		1,689		-		-		21,951
		1,618		22,345		6,319		3,935		138		909		35,264
Current		129,281		709,801		923,469		137,862		35,707		1,719		1,937,839
Total	$	130,899	$	732,146	$	929,788	$	141,797	$	35,845	$	2,628	$	1,973,103

Schedule Of Impaired Loans

(In thousands)		Commercial and industrial		Commercial real estate		Residential real estate		Home equity		Consumer		DDA overdrafts		Total
December 31, 2012:
With no related allowance recorded
Recorded investment	$	-	$	9,912	$	469	$	298	$	-	$	-	$	10,679
Unpaid principal balance		-		14,781		469		298		-		-		15,548
With an allowance recorded
Recorded investment	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Unpaid principal balance		-		-		-		-		-		-		-
Related allowance		-		-		-		-		-		-		-
December 31, 2011:
With no related allowance recorded
Recorded investment	$	81	$	1,985	$	476	$	298	$	-	$	-	$	2,840
Unpaid principal balance		81		4,722		476		298		-		-		5,577
With an allowance recorded
Recorded investment	$	-	$	13,326	$	-	$	-	$	-	$	-	$	13,326
Unpaid principal balance		-		13,326		-		-		-		-		13,326
Related allowance		-		2,666		-		-		-		-		2,666

Schedule Of Information Related To Average Recorded Investment And Interest Income Recognized On Impaired Loans

(In thousands)		Commercial and industrial		Commercial real estate		Residential real estate		Home equity		Consumer		DDA overdrafts		Total
December 31, 2012:
With no related allowance recorded
Average recorded investment	$	-	$	13,124	$	-	$	-	$	-	$	-	$	13,124
Interest income recognized		-		-		-		-		-		-		-
With an allowance recorded
Average recorded investment	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Interest income recognized		-		-		-		-		-		-		-
December 31, 2011:
With no related allowance recorded
Average recorded investment	$	81	$	4,215	$	476	$	298	$	-	$	-	$	5,070
Interest income recognized		-		-		-		-		-		-		-
With an allowance recorded
Average recorded investment	$	-	$	14,428	$	-	$	-	$	-	$	-	$	14,428
Interest income recognized		-		-		-		-		-		-		-

Schedule Of Troubled Debt Restructurings

		December 31, 2012
(In thousands)		Accruing		Non-Accruing		Total
Commercial and industrial	$	101	$	-	$	101
Commercial real estate		734		-		734
Residential real estate		15,083		162		15,245
Home equity		7,068		418		7,486
Consumer		142		-		142
	$	23,128	$	580	$	23,708

	New TDRs
		For the year ended December 31, 2012
				Pre-modification		Post-modification
		Number of		Outstanding		Outstanding
(In thousands)		Contracts		Recorded Investment		Recorded Investment
Commercial and industrial		1	$	101	$	101
Commercial real estate		1		184		179
Residential real estate		7		899		899
Home equity		15		973		973
Consumer		1		142		142
		25	$	2,299	$	2,294