10-Q

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 10 – Q

[X]         QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934

For the quarterly period ended June 30, 2019

or

[  ]         TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES

EXCHANGE ACT OF 1934  For the transition period from ___________ to __________.

Commission File Number 0-16587

Summit Financial Group, Inc.

(Exact name of registrant as specified in its charter)

West Virginia	55-0672148
(State or other jurisdiction of	(IRS Employer
incorporation or organization)	Identification No.)

300 North Main Street
Moorefield, West Virginia	26836
(Address of principal executive offices)	(Zip Code)

(304) 530-1000

(Registrant's telephone number, including area code)

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Sections 13 or 15(d) of the Securities and Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.

Yes þ No o

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).

Yes þ No o

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer”, “accelerated filer”, “smaller reporting company” and "emerging growth company" in Rule 12b-2 of the Exchange Act.

Large accelerated filer o               Accelerated filer þNon-accelerated filer o

                  Smaller reporting company o Emerging growth company o

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. o

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).

Yes o No þ

Securities registered pursuant to Section 12(b) of the Act:

Title of each class	Trading Symbol(s)	Name of each exchange on which registered
Common	SMMF	NASDAQ Capital Market

Indicate the number of shares outstanding of each of the issuer’s classes of Common Stock as of the latest practicable date.

Common Stock, $2.50 par value

12,509,810 shares outstanding as of July 29, 2019

Table of Contents

			Page
PART  I.	FINANCIAL INFORMATION
	Item 1.	Financial Statements
		Consolidated balance sheets June 30, 2019 (unaudited) and December 31, 2018	4
		Consolidated statements of income for the three months and six months ended June 30, 2019 and 2018 (unaudited)	5
		Consolidated statements of comprehensive income for the three months and six months ended June 30, 2019 and 2018 (unaudited)	6
		Consolidated statements of shareholders’ equity for the three months and six months ended June 30, 2019 and 2018 (unaudited)	7
		Consolidated statements of cash flows for the six months ended June 30, 2019 and 2018 (unaudited)	9
		Notes to consolidated financial statements (unaudited)	11
	Item 2.	Management's Discussion and Analysis of Financial Condition and Results of Operations	43
	Item 3.	Quantitative and Qualitative Disclosures about Market Risk	56
	Item 4.	Controls and Procedures	57
PART II.	OTHER INFORMATION
	Item 1.	Legal Proceedings	58
	Item 1A.	Risk Factors	58
	Item 2.	Unregistered Sales of Equity Securities and Use of Proceeds	None
	Item 3.	Defaults upon Senior Securities	None
	Item 4.	Mine Safety Disclosures	None
	Item 5.	Other Information	None
	Item 6.	Exhibits	58
EXHIBIT INDEX			59
SIGNATURES			60

3

Item 1. Financial Statements

Consolidated Balance Sheets (unaudited)

	June 30, 2019			December 31, 2018
Dollars in thousands, except per share amounts	(unaudited)			(*)
ASSETS
Cash and due from banks	$	13,481		$	23,061
Interest bearing deposits with other banks	42,994			36,479
Cash and cash equivalents	56,475			59,540
Debt securities available for sale	269,920			293,147
Other investments	14,238			16,635
Loans held for sale	314			400
Loans, net of unearned income	1,819,002			1,695,052
Less: allowance for loan losses	(13,152		)	(13,047		)
Loans, net	1,805,850			1,682,005
Property held for sale	21,390			21,432
Premises and equipment, net	42,896			37,553
Accrued interest receivable	8,909			8,708
Goodwill and other intangible assets	23,585			25,842
Cash surrender value of life insurance policies	42,976			42,386
Other assets	12,561			12,938
Total assets	$	2,299,114		$	2,200,586
LIABILITIES AND SHAREHOLDERS' EQUITY
Liabilities
Deposits
Non interest bearing	$	234,397		$	222,120
Interest bearing	1,563,096			1,412,706
Total deposits	1,797,493			1,634,826
Short-term borrowings	225,343			309,084
Long-term borrowings	726			735
Subordinated debentures owed to unconsolidated subsidiary trusts	19,589			19,589
Other liabilities	20,262			16,522
Total liabilities	2,063,413			1,980,756
Commitments and Contingencies
Shareholders' Equity
Preferred stock, $1.00 par value, authorized 250,000 shares	—			—
Common stock and related surplus, $2.50 par value; authorized 20,000,000 shares; issued: 2019 - 12,526,710 shares and 2018 - 12,399,887 shares; outstanding: 2019 - 12,449,986 shares and 2018 - 12,312,933	80,946			80,431
Unallocated common stock held by Employee Stock Ownership Plan - 2019 - 76,724 shares and 2018 - 86,954 shares	(828		)	(939		)
Retained earnings	153,362			141,354
Accumulated other comprehensive income (loss)	2,221			(1,016		)
Total shareholders' equity	235,701			219,830
Total liabilities and shareholders' equity	$	2,299,114		$	2,200,586

(*) - Derived from audited consolidated financial statements

See Notes to Consolidated Financial Statements

4

Consolidated Statements of Income (unaudited)

	For the Three Months Ended June 30,				For the Six Months Ended June 30,
Dollars in thousands, except per share amounts	2019		2018		2019		2018
Interest income
Interest and fees on loans
Taxable	$	24,184	$	20,820	$	47,090	$	41,043
Tax-exempt	168		142		314		286
Interest and dividends on securities
Taxable	1,607		1,240		3,292		2,612
Tax-exempt	789		1,063		1,689		2,082
Interest on interest bearing deposits with other banks	134		134		365		274
Total interest income	26,882		23,399		52,750		46,297
Interest expense
Interest on deposits	5,967		4,309		11,531		7,858
Interest on short-term borrowings	1,397		1,242		2,869		2,648
Interest on long-term borrowings and subordinated debentures	255		573		514		1,258
Total interest expense	7,619		6,124		14,914		11,764
Net interest income	19,263		17,275		37,836		34,533
Provision for loan losses	300		750		550		1,250
Net interest income after provision for loan losses	18,963		16,525		37,286		33,283
Noninterest income
Insurance commissions	606		1,013		1,780		2,126
Trust and wealth management fees	612		672		1,198		1,339
Service charges on deposit accounts	1,224		1,116		2,405		2,207
Bank card revenue	893		801		1,707		1,550
Realized securities gains, net	1,086		87		1,082		819
Gain on sale of Summit Insurance Services, LLC	1,906		—		1,906		—
Bank owned life insurance income	248		249		486		523
Other	235		210		476		459
Total noninterest income	6,810		4,148		11,040		9,023
Noninterest expenses
Salaries, commissions and employee benefits	7,576		6,922		14,923		13,744
Net occupancy expense	880		840		1,803		1,672
Equipment expense	1,219		1,071		2,398		2,153
Professional fees	475		385		878		719
Advertising and public relations	155		188		308		291
Amortization of intangibles	420		413		897		848
FDIC premiums	88		240		88		480
Bank card expense	473		361		911		696
Foreclosed properties expense, net of losses	1,545		350		1,930		675
Merger-related expenses	382		—		445		—
Other	2,116		1,965		4,608		3,771
Total noninterest expenses	15,329		12,735		29,189		25,049
Income before income tax expense	10,444		7,938		19,137		17,257
Income tax expense	1,880		1,658		3,481		3,534
Net income	$	8,564	$	6,280	$	15,656	$	13,723
Basic earnings per common share	$	0.68	$	0.51	$	1.24	$	1.11
Diluted earnings per common share	$	0.68	$	0.51	$	1.23	$	1.10

See Notes to Consolidated Financial Statements 

5

Consolidated Statements of Comprehensive Income (unaudited)

	For the Three Months Ended   June 30,
Dollars in thousands	2019			2018
Net income	$	8,564		$	6,280
Other comprehensive income (loss):
Net unrealized (loss) gain on cashflow hedge of: 2019 - ($545), net of deferred taxes of ($131); 2018 - $496, net of deferred taxes of $119	(414		)	377
Net unrealized gain (loss) on securities available for sale of: 2019 - $2,001, net of deferred taxes of $480 and reclassification adjustment for net realized gains included in net income of $1,086, net of tax of $261; 2018 - ($625), net of deferred taxes of ($150) and reclassification adjustment for net realized gains included in net income of $87, net of tax of $21	1,521			(475		)
Total other comprehensive income (loss)	1,107			(98		)
Total comprehensive income	$	9,671		$	6,182

	For the Six Months Ended   June 30,
Dollars in thousands	2019			2018
Net income	$	15,656		$	13,723
Other comprehensive income (loss):
Net unrealized (loss) gain on cashflow hedge of: 2019 - ($557), net of deferred taxes of ($134); 2018 - $1,437, net of deferred taxes of $345	(423		)	1,092
Net unrealized gain (loss) on securities available for sale of: 2019 - $5,247, net of deferred taxes of $1,259 and reclassification adjustment for net realized gains included in net income of $1,082, net of tax of $260; 2018 - ($5,013), net of deferred taxes of ($1,203) and reclassification adjustment for net realized gains included in net income of $819, net of tax of $197	3,988			(3,810		)
Net unrealized loss on pension plan of: 2019 - ($432), net of deferred taxes of ($104)	(328		)	—
Total other comprehensive income (loss)	3,237			(2,718		)
Total comprehensive income	$	18,893		$	11,005

See Notes to Consolidated Financial Statements

6

Consolidated Statements of Shareholders’ Equity (unaudited)

Dollars in thousands, except per share amounts	Common Stock and Related Surplus			Unallocated Common Stock Held by ESOP			Retained Earnings			Accumulated Other Compre- hensive Income (Loss)			Total Share- holders' Equity
Balance March 31, 2019	$	86,729		$	(884	)	$	146,671		$	1,114		$	233,630
Three Months Ended June 30, 2019
Net income	—			—			8,564			—			8,564
Other comprehensive income	—			—			—			1,107			1,107
Exercise of stock options and SARs - 16,815 shares	7			—			—			—			7
Share-based compensation expense	149			—			—			—			149
Unallocated ESOP shares committed to be released - 5,115 shares	77			56			—			—			133
Retirement of 235,717 shares of common stock	(6,076		)	—			—			—			(6,076		)
Common stock issuances from reinvested dividends - 2,245 shares	60			—			—			—			60
Common stock cash dividends declared ($0.15 per share)	—			—			(1,873		)	—			(1,873		)
Balance, June 30, 2019	$	80,946		$	(828	)	$	153,362		$	2,221		$	235,701
Balance March 31, 2018	$	81,332		$	(1,098	)	$	125,663		$	(888	)	$	205,009
Three Months Ended June 30, 2018
Net income	—			—			6,280			—			6,280
Other comprehensive loss	—			—			—			(98		)	(98		)
Share-based compensation expense	99			—			—			—			99
Unallocated ESOP shares committed to be released - 5,066 shares	78			55			—			—			133
Common stock issuances from reinvested dividends - 2,321 shares	63			—			—			—			63
Common stock cash dividends declared ($0.13 per share)	—			—			(1,607		)	—			(1,607		)
Balance, June 30, 2018	$	81,572		$	(1,043	)	$	130,336		$	(986	)	$	209,879

See Notes to Consolidated Financial Statements

7

Consolidated Statements of Shareholders’ Equity (unaudited)

Dollars in thousands, except per share amounts	Common Stock and Related Surplus			Unallocated Common Stock Held by ESOP			Retained Earnings			Accumulated Other Compre- hensive Income (Loss)			Total Share- holders' Equity
Balance, December 31, 2018	$	80,431		$	(939	)	$	141,354		$	(1,016	)	$	219,830
Six Months Ended June 30, 2019
Net income	—			—			15,656			—			15,656
Other comprehensive income	—			—			—			3,237			3,237
Exercise of stock options and SARs - 17,255 shares	7			—			—			—			7
Share-based compensation expense	281			—			—			—			281
Unallocated ESOP shares committed to be released - 10,230 shares	142			111			—			—			253
Retirement of 360,917 shares of common stock	(8,952		)	—			—			—			(8,952		)
Acquisition of Peoples Bankshares, Inc. - 465,931 shares, net of issuance costs	8,918			—			—			—			8,918
Common stock issuances from reinvested dividends - 4,554 shares	119			—			—			—			119
Common stock cash dividends declared ($0.29 per share)	—			—			(3,648		)	—			(3,648		)
Balance, June 30, 2019	$	80,946		$	(828	)	$	153,362		$	2,221		$	235,701
Balance, December 31, 2017	$	81,098		$	(1,152	)	$	119,827		$	1,732		$	201,505
Six Months Ended June 30, 2018
Net income	—			—			13,723			—			13,723
Other comprehensive loss	—			—			—			(2,718		)	(2,718		)
Exercise of stock options - 200 shares	4			—			—			—			4
Share-based compensation expense	193			—			—			—			193
Unallocated ESOP shares committed to be released - 10,147 shares	151			109			—			—			260
Common stock issuances from reinvested dividends - 4,838 shares	126			—			—			—			126
Common stock cash dividends declared ($0.26 per share)	—			—			(3,214		)	—			(3,214		)
Balance, June 30, 2018	$	81,572		$	(1,043	)	$	130,336		$	(986	)	$	209,879

See Notes to Consolidated Financial Statements

8

Consolidated Statements of Cash Flows (unaudited)

	Six Months Ended
Dollars in thousands	June 30, 2019			June 30, 2018
Cash Flows from Operating Activities
Net income	$	15,656		$	13,723
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation	1,242			1,058
Provision for loan losses	550			1,250
Share-based compensation expense	281			193
Deferred income tax benefit	(236		)	(193		)
Loans originated for sale	(6,843		)	(7,764		)
Proceeds from sale of loans	7,080			7,775
Gains on loans held for sale	(151		)	(146		)
Realized securities gains, net	(1,082		)	(819		)
Loss (gain) on disposal of assets	155			(16		)
Gain on sale of Summit Insurance Services, LLC	(1,906		)	—
Write-downs of foreclosed properties	1,445			420
Amortization of securities premiums, net	1,290			1,872
Accretion related to acquisitions, net	(632		)	(310		)
Amortization of intangibles	897			848
Earnings on bank owned life insurance	(590		)	(574		)
Decrease (increase) in accrued interest receivable	229			(96		)
Increase in other assets	(11		)	(415		)
Increase in other liabilities	1,232			1,358
Net cash provided by operating activities	18,606			18,164
Cash Flows from Investing Activities
Proceeds from maturities and calls of securities available for sale	1,445			1,050
Proceeds from sales of securities available for sale	114,171			69,235
Principal payments received on securities available for sale	13,822			13,393
Purchases of securities available for sale	(46,060		)	(44,243		)
Purchases of other investments	(6,930		)	(5,938		)
Proceeds from redemptions of other investments	9,142			7,397
Net loan originations	(85,633		)	(26,200		)
Purchases of premises and equipment	(5,863		)	(2,866		)
Proceeds from disposal of premises and equipment	3			12
Improvements to property held for sale	(33		)	(795		)
Proceeds from sales of repossessed assets & property held for sale	2,403			1,225
Proceeds from sale of Summit Insurance Services, LLC	7,117			—
Cash and cash equivalents acquired in acquisition, net of $12,740 cash consideration paid	20,589			—
Net cash provided by investing activities	24,173			12,270
Cash Flows from Financing Activities
Net increase in demand deposit, NOW and savings accounts	20,505			25,848
Net increase in time deposits	29,954			13,661
Net decrease in short-term borrowings	(83,741		)	(48,071		)
Repayment of long-term borrowings	(9		)	(25,008		)
Proceeds from issuance of common stock, net of issuance costs	40			126
Purchase and retirement of common stock	(8,952		)	—
Exercise of stock options	7			4
Dividends paid on common stock	(3,648		)	(3,214		)
Net cash used in financing activities	(45,844		)	(36,654		)
Decrease in cash and cash equivalents	(3,065		)	(6,220		)
Cash and cash equivalents:
Beginning	59,540			52,631
Ending	$	56,475		$	46,411
(Continued)
See Notes to Consolidated Financial Statements

9

Consolidated Statements of Cash Flows (unaudited) - continued

	Six Months Ended
Dollars in thousands	June 30, 2019		June 30, 2018
Supplemental Disclosures of Cash Flow Information
Cash payments for:
Interest	$	14,645	$	11,713
Income taxes	$	3,845	$	4,066
Supplemental Disclosures of Noncash Investing and Financing Activities
Real property and other assets acquired in settlement of loans	$	3,937	$	906
Supplemental Disclosures of Noncash Transactions Included in Acquisition
Assets acquired	$	100,377	$	—
Liabilities assumed	$	114,151	$	—

See Notes to Consolidated Financial Statements

10

NOTE 1.  BASIS OF PRESENTATION

We, Summit Financial Group, Inc. and subsidiaries, prepare our consolidated financial statements in accordance with accounting principles generally accepted in the United States of America for interim financial information and with instructions to Form 10-Q and Regulation S-X.  Accordingly, they do not include all the information and footnotes required by accounting principles generally accepted in the United States of America for annual year end financial statements.  In our opinion, all adjustments considered necessary for a fair presentation have been included and are of a normal recurring nature.

The presentation of financial statements in conformity with accounting principles generally accepted in the United States of America requires us to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements, and the reported amounts of revenues and expenses during the reporting period.  Actual results could differ materially from these estimates.

The results of operations for the three and six months ended June 30, 2019 are not necessarily indicative of the results to be expected for the full year.  The consolidated financial statements and notes included herein should be read in conjunction with our 2018 audited financial statements and Annual Report on Form 10-K. 

NOTE 2.  SIGNIFICANT NEW AUTHORITATIVE ACCOUNTING GUIDANCE

Recently Adopted

We adopted ASU No. 2016-02, Leases (Topic 842) and its related amendments on its required effective date of January 1, 2019 utilizing the modified retrospective approach. Since there was no net income impact upon adoption of the new guidance, a cumulative effect adjustment to opening retained earnings was not deemed necessary. The impact, deemed insignificant, to our consolidated financial position upon adoption was the recognition, on a discounted basis, of our minimum commitments under non-cancellable operating leases on our consolidated balance sheets resulting in the recording of right of use assets and lease obligations of approximately $870,000 which is related to long-term operating leases of premises and leases of equipment used in operations. The right-of-use assets and lease liabilities are included in other assets and other liabilities in the Consolidated Balance Sheets. Our current minimum commitments under long-term operating leases are disclosed in Note 12, Commitments and Contingencies.

We adopted ASU No. 2017-08, Receivables-Nonrefundable Fees and Other Costs (Subtopic 310-20): Premium Amortization on Purchased Callable Debt Securities on its required effective date of January 1, 2019. This guidance shortens the amortization period for premiums on certain callable debt securities to the earliest call date (with an explicit, noncontingent call feature that is callable at a fixed price and on a preset date), rather than contractual maturity date as currently required under GAAP. The ASU does not impact instruments without preset call dates such as mortgage-backed securities.  For instruments with contingent call features, once the contingency is resolved and the security is callable at a fixed price and preset date, the security is within the scope of the ASU.  The adoption of the new pronouncement did not have a significant impact on our consolidated financial statements.

Pending Adoption

During June 2016, the FASB issued ASU No. 2016-13, Financial Instruments - Credit Losses (Topic 326) - Measurement of Credit Losses on Financial Instruments. The amendments in this ASU, among other things, require the measurement of all expected credit losses for financial assets held at the reporting date based on historical experience, current conditions and reasonable and supportable forecasts. Financial institutions and other organizations will now use forward-looking information to better inform their credit loss estimates. Many of the loss estimation techniques applied today will still be permitted, although the inputs to those techniques will change to reflect the full amount of expected credit losses. In addition, the ASU amends the accounting for credit losses on available-for-sale debt securities and purchased financial assets with credit deterioration. The amendments in this ASU are effective for SEC filers for fiscal years and interim periods within those fiscal years, beginning after December 15, 2019. We will adopt the guidance by the first quarter of 2020 with a cumulative-effect adjustment to retained earnings as of the beginning of the year of adoption. In this regard, we have a cross-functional implementation team comprised of personnel from risk management, operations and information technology, loan administration and finance and engaged a third-party to assist us. The team has developed a project plan, identified key decision points and prepared a readiness assessment and gap analysis relative to required data which serves to direct our areas of focus. In addition, we have collected applicable historical data and made decisions regarding methodology and loan pool structures. We will continue to evaluate the impact the new standard will have on our consolidated financial statements as the

11

final impact will be dependent, among other items, upon the loan portfolio composition and credit quality at the adoption date, as well as economic conditions, financial models used and forecasts at that time.

In August 2018, the FASB issued ASU 2018-13, Fair Value Measurement (Topic 820): Disclosure Framework-Changes to the Disclosure Requirements for Fair Value Measurement. The amendments modify the disclosure requirements in Topic 820 to add disclosures regarding changes in unrealized gains and losses, the range and weighted average of significant unobservable inputs used to develop Level 3 fair value measurements and the narrative description of measurement uncertainty. Certain disclosure requirements in Topic 820 are also removed or modified. The amendments are effective for fiscal years beginning after December 15, 2019, and interim periods within those fiscal years. Certain of the amendments are to be applied prospectively while others are to be applied retrospectively. Early adoption is permitted. We do not expect the adoption of ASU 2018-13 to have a material impact on our consolidated financial statements.

NOTE 3.  FAIR VALUE MEASUREMENTS

The table below presents the recorded amount of assets and liabilities measured at fair value on a recurring basis.

	Balance at		Fair Value Measurements Using:
Dollars in thousands	June 30, 2019		Level 1		Level 2		Level 3
Securities available for sale
U.S. Government sponsored agencies	$	23,724	$	—	$	23,724	$	—
Mortgage backed securities:
Government sponsored agencies	75,334		—		75,334		—
Nongovernment sponsored entities	9,170		—		9,170		—
State and political subdivisions	23,365		—		23,365		—
Corporate debt securities	16,972		—		16,972		—
Asset-backed securities	33,452		—		33,452		—
Tax-exempt state and political subdivisions	87,903		—		87,903		—
Total securities available for sale	$	269,920	$	—	$	269,920	$	—
Derivative financial assets
Interest rate swaps	$	—	$	—	$	—	$	—
Derivative financial liabilities
Interest rate swaps	$	1,247	$	—	$	1,247	$	—

	Balance at		Fair Value Measurements Using:
Dollars in thousands	December 31, 2018		Level 1		Level 2		Level 3
Securities available for sale
U.S. Government sponsored agencies	$	26,140	$	—	$	26,140	$	—
Mortgage backed securities:
Government sponsored agencies	80,309		—		80,309		—
Nongovernment sponsored entities	614		—		614		—
State and political subdivisions	19,243		—		19,243		—
Corporate debt securities	14,512		—		14,512		—
Asset-backed securities	25,175		—		25,175		—
Tax-exempt state and political subdivisions	127,154		—		127,154		—
Total securities available for sale	$	293,147	$	—	$	293,147	$	—
Derivative financial assets
Interest rate swaps	$	555	$	—	$	555	$	—
Derivative financial liabilities
Interest rate swaps	$	411	$	—	$	411	$	—

We may be required, from time to time, to measure certain assets at fair value on a nonrecurring basis in accordance with U.S. generally accepted accounting principles.  These include assets that are measured at the lower of cost or market that were

12

recognized at fair value below cost at the end of the period.  Assets measured at fair value on a nonrecurring basis are included in the table below.

	Balance at		Fair Value Measurements Using:
Dollars in thousands	June 30, 2019		Level 1		Level 2		Level 3
Residential mortgage loans held for sale	$	314	$	—	$	314	$	—
Collateral-dependent impaired loans
Commercial	$	238	$	—	$	8	$	230
Commercial real estate	420		$	—	420		—
Construction and development	515		$	—	515		—
Residential real estate	717		—		646		71
Total collateral-dependent impaired loans	$	1,890	$	—	$	1,589	$	301
Property held for sale
Commercial real estate	$	1,414	$	—	$	1,414	$	—
Construction and development	14,427		—		14,427		—
Residential real estate	783		—		783		—
Total property held for sale	$	16,624	$	—	$	16,624	$	—

	Balance at		Fair Value Measurements Using:
Dollars in thousands	December 31, 2018		Level 1		Level 2		Level 3
Residential mortgage loans held for sale	$	400	$	—	$	400	$	—
Collateral-dependent impaired loans
Commercial	$	2,660	$	—	$	2,611	$	49
Commercial real estate	420		—		420		—
Construction and development	759		—		759		—
Residential real estate	763		—		763		—
Total collateral-dependent impaired loans	$	4,602	$	—	$	4,553	$	49
Property held for sale
Commercial real estate	$	1,677	$	—	$	1,677	$	—
Construction and development	16,363		—		16,363		—
Residential real estate	403		—		403		—
Total property held for sale	$	18,443	$	—	$	18,443	$	—

13

The carrying values and estimated fair values of our financial instruments are summarized below:

	June 30, 2019				Fair Value Measurements Using:
Dollars in thousands	Carrying Value		Estimated Fair Value		Level 1		Level 2		Level 3
Financial assets
Cash and cash equivalents	$	56,475	$	56,475	$	—	$	56,475	$	—
Securities available for sale	269,920		269,920		—		269,920		—
Other investments	14,238		14,238		—		14,238		—
Loans held for sale, net	314		314		—		314		—
Loans, net	1,805,850		1,808,046		—		1,589		1,806,457
Accrued interest receivable	8,909		8,909		—		8,909		—
Derivative financial assets	—		—		—		—		—
	$	2,155,706	$	2,157,902	$	—	$	351,445	$	1,806,457
Financial liabilities
Deposits	$	1,797,493	$	1,803,314	$	—	$	1,803,314	$	—
Short-term borrowings	225,343		225,343		—		225,343		—
Long-term borrowings	726		867		—		867		—
Subordinated debentures owed to unconsolidated subsidiary trusts	19,589		19,589		—		19,589		—
Accrued interest payable	1,370		1,370		—		1,370		—
Derivative financial liabilities	1,247		1,247		—		1,247		—
	$	2,045,768	$	2,051,730	$	—	$	2,051,730	$	—

	December 31, 2018				Fair Value Measurements Using:
Dollars in thousands	Carrying Value		Estimated Fair Value		Level 1		Level 2		Level 3
Financial assets
Cash and cash equivalents	$	59,540	$	59,540	$	—	$	59,540	$	—
Securities available for sale	293,147		293,147		—		293,147		—
Other investments	16,635		16,635		—		16,635		—
Loans held for sale, net	400		400		—		400		—
Loans, net	1,682,005		1,666,834		—		4,553		1,662,281
Accrued interest receivable	8,708		8,708		—		8,708		—
Derivative financial assets	555		555		—		555		—
	$	2,060,990	$	2,045,819	$	—	$	383,538	$	1,662,281
Financial liabilities
Deposits	$	1,634,826	$	1,631,456	$	—	$	1,631,456	$	—
Short-term borrowings	309,084		309,084		—		309,084		—
Long-term borrowings	735		843		—		843		—
Subordinated debentures owed to unconsolidated subsidiary trusts	19,589		19,589		—		19,589		—
Accrued interest payable	1,102		1,102		—		1,102		—
Derivative financial liabilities	411		411		—		411		—
	$	1,965,747	$	1,962,485	$	—	$	1,962,485	$	—

14

NOTE 4.  EARNINGS PER SHARE

The computations of basic and diluted earnings per share follow:

	For the Three Months Ended June 30,
	2019					2018
Dollars in thousands,except per share amounts	Net Income (Numerator)		Common Shares (Denominator)	Per Share		Net Income (Numerator)		Common Shares (Denominator)	Per Share
Net income	$	8,564				$	6,280
Basic earnings per share	$	8,564	12,539,095	$	0.68	$	6,280	12,366,522	$	0.51
Effect of dilutive securities:
Stock options			5,052					7,814
Stock appreciation rights (SARs)			55,924					57,648
Diluted earnings per share	$	8,564	12,600,071	$	0.68	$	6,280	12,431,984	$	0.51

	For the Six Months Ended June 30,
	2019					2018
Dollars in thousands,except per share amounts	Income (Numerator)		Common Shares (Denominator)	Per Share		Income (Numerator)		Common Shares (Denominator)	Per Share
Net income	$	15,656				$	13,723
Basic earnings per share	$	15,656	12,627,806	$	1.24	$	13,723	12,362,679	$	1.11
Effect of dilutive securities:
Stock options			5,182					7,668
Stock appreciation rights (SARs)			55,877					55,405
Diluted earnings per share	$	15,656	12,688,865	$	1.23	$	13,723	12,425,751	$	1.10

Stock option and stock appreciation right (SAR) grants are disregarded in this computation if they are determined to be anti-dilutive.  Our anti-dilutive stock options for the three and six months ended June 30,2019 were 7,700 shares. There were no anti-dilutive stock options for the three and six months ended June 30, 2018. Our anti-dilutive SARs for the three and six months ended June 30,2019 and June 30, 2018 were 84,615 and 87,615, respectively .

15

NOTE 5.  DEBT SECURITIES

The amortized cost, unrealized gains, unrealized losses and estimated fair values of securities at June 30, 2019 and December 31, 2018 are summarized as follows:

	June 30, 2019
	Amortized		Unrealized				Estimated
Dollars in thousands	Cost		Gains		Losses		Fair Value
Available for Sale
Taxable debt securities
U.S. Government and agencies and corporations	$	23,807	$	259	$	342	$	23,724
Residential mortgage-backed securities:
Government-sponsored agencies	74,976		974		616		75,334
Nongovernment-sponsored entities	9,245		13		88		9,170
State and political subdivisions
General obligations	3,184		69		—		3,253
Water and sewer revenues	3,750		82		—		3,832
Other revenues	15,680		600		—		16,280
Corporate debt securities	17,267		28		323		16,972
Asset-backed securities	34,078		—		626		33,452
Total taxable debt securities	181,987		2,025		1,995		182,017
Tax-exempt debt securities
State and political subdivisions
General obligations	43,198		2,352		2		45,548
Water and sewer revenues	12,924		621		—		13,545
Lease revenues	8,567		485		—		9,052
University revenues	3,439		101		—		3,540
Other revenues	15,663		568		13		16,218
Total tax-exempt debt securities	83,791		4,127		15		87,903
Total securities available for sale	$	265,778	$	6,152	$	2,010	$	269,920

	December 31, 2018
	Amortized		Unrealized				Estimated
Dollars in thousands	Cost		Gains		Losses		Fair Value
Available for Sale
Taxable debt securities
U.S. Government and agencies and corporations	$	26,303	$	203	$	366	$	26,140
Residential mortgage-backed securities:
Government-sponsored agencies	80,883		603		1,177		80,309
Nongovernment-sponsored entities	611		4		1		614
State and political subdivisions
General obligations	6,081		—		126		5,955
Other revenues	13,457		17		186		13,288
Corporate debt securities	14,807		9		304		14,512
Asset-backed securities	25,288		10		123		25,175
Total taxable debt securities	167,430		846		2,283		165,993
Tax-exempt debt securities
State and political subdivisions
General obligations	65,626		624		344		65,906
Water and sewer revenues	20,018		225		98		20,145
Lease revenues	10,980		135		7		11,108
Other revenues	30,197		77		279		29,995
Total tax-exempt debt securities	126,821		1,061		728		127,154
Total securities available for sale	$	294,251	$	1,907	$	3,011	$	293,147

The below information is relative to the five states where issuers with the highest volume of state and political subdivision securities held in our portfolio are located.  We own no such securities of any single issuer which we deem to be a concentration.

16

	June 30, 2019
	Amortized		Unrealized				Estimated
Dollars in thousands	Cost		Gains		Losses		Fair Value
California	$	16,108	$	1,126	$	2	$	17,232
Illinois	15,518		512		—		16,030
Michigan	10,940		481		—		11,421
West Virginia	9,399		219		13		9,605
New York	8,561		348		—		8,909

Management performs pre-purchase and ongoing analysis to confirm that all investment securities meet applicable credit quality standards.  

The maturities, amortized cost and estimated fair values of securities at June 30, 2019, are summarized as follows:

Dollars in thousands	Amortized Cost		Estimated Fair Value
Due in one year or less	$	35,134	$	35,149
Due from one to five years	79,573		79,582
Due from five to ten years	59,026		59,183
Due after ten years	92,045		96,006
	$	265,778	$	269,920

The proceeds from sales, calls and maturities of securities available for sale, including principal payments received on mortgage-backed obligations, and the related gross gains and losses realized, for the six months ended June 30, 2019 and 2018 are as follows:

		Proceeds from						Gross realized
Dollars in thousands		Sales		Calls and Maturities		Principal Payments		Gains		Losses
For the Six Months Ended   June 30,
2019
	Securities available for sale	$	114,171	$	1,445	$	13,822	$	1,213	$	131
2018
	Securities available for sale	$	69,235	$	1,050	$	13,393	$	1,637	$	818

We held 68 available for sale securities having an unrealized loss at June 30, 2019.  We do not intend to sell these securities, and it is more likely than not that we will not be required to sell these securities before recovery of their amortized cost bases.  We believe that this decline in value is primarily attributable to the lack of market liquidity and to changes in market interest rates and is not due to credit quality.  Accordingly, no other-than-temporary impairment charge to earnings is warranted at this time.

Provided below is a summary of securities available for sale which were in an unrealized loss position at June 30, 2019 and December 31, 2018.

17

	June 30, 2019
		Less than 12 months				12 months or more				Total
Dollars in thousands	# of securities in loss position	Estimated Fair Value		Unrealized Loss		Estimated Fair Value		Unrealized Loss		Estimated Fair Value		Unrealized Loss
Taxable debt securities
U.S. Government agencies and corporations	15	$	—	$	—	$	17,371	$	342	$	17,371	$	342
Residential mortgage-backed securities:
Government-sponsored agencies	25	17,041		301		16,460		315		33,501		616
Nongovernment-sponsored entities	3	7,002		88		—		—		7,002		88
Corporate debt securities	8	5,171		117		2,544		206		7,715		323
Asset-backed securities	15	33,452		626		—		—		33,452		626
Tax-exempt debt securities
State and political subdivisions:
General obligations	1	690		2		—		—		690		2
Other revenues	1	—		—		1,023		13		1,023		13
Total	68	63,356		1,134		37,398		876		100,754		2,010

	December 31, 2018
		Less than 12 months				12 months or more				Total
Dollars in thousands	# of securities in loss position	Estimated Fair Value		Unrealized Loss		Estimated Fair Value		Unrealized Loss		Estimated Fair Value		Unrealized Loss
Taxable debt securities
U.S. Government agencies and       corporations	15	$	12,185	$	184	$	7,464	$	182	$	19,649	$	366
Residential mortgage-backed securities:
Government-sponsored agencies	37	23,277		241		24,472		936		47,749		1,177
Nongovernment-sponsored entities	1	—		—		436		1		436		1
State and political subdivisions:
General obligations	8	—		—		5,222		126		5,222		126
Other revenues	11	968		16		9,450		170		10,418		186
Corporate debt securities	7	2,759		109		4,587		195		7,346		304
Asset-backed securities	9	20,129		123		—		—		20,129		123
Tax-exempt debt securities
State and political subdivisions:
General obligations	25	7,273		50		16,830		294		24,103		344
Water and sewer revenues	7	989		6		4,311		92		5,300		98
Lease revenues	2	553		—		557		7		1,110		7
Other revenues	12	7,309		62		11,531		217		18,840		279
Total	134	75,442		791		84,860		2,220		160,302		3,011

18

NOTE 6.  LOANS

Loans are summarized as follows:

Dollars in thousands	June 30, 2019		December 31, 2018
Commercial	$	204,138	$	194,315
Commercial real estate
Owner-occupied	262,901		257,256
Non-owner occupied	574,677		573,932
Construction and development
Land and land development	67,769		68,833
Construction	46,975		24,731
Residential real estate
Non-jumbo	360,752		336,977
Jumbo	70,171		73,599
Home equity	81,373		80,910
Mortgage warehouse lines	101,607		39,140
Consumer	36,715		32,460
Other	11,924		12,899
Total loans, net of unearned fees	1,819,002		1,695,052
Less allowance for loan losses	13,152		13,047
Loans, net	$	1,805,850	$	1,682,005

The outstanding balance and the recorded investment of acquired loans included in the consolidated balance sheet at June 30, 2019 and December 31, 2018 are as follows:

	Acquired Loans
	June 30, 2019						December 31, 2018
Dollars in thousands	Purchased Credit Impaired		Purchased Performing		Total		Purchased Credit Impaired		Purchased Performing		Total
Outstanding balance	$	4,282	$	154,564	$	158,846	$	4,275	$	138,167	$	142,442
Recorded investment
Commercial	$	—	$	4,056	$	4,056	$	—	$	3,934	$	3,934
Commercial real estate
Owner-occupied	—		19,729		19,729		—		16,133		16,133
Non-owner occupied	1,262		16,801		18,063		1,162		23,431		24,593
Construction and development
Land and land development	—		4,178		4,178		—		5,161		5,161
Construction	—		—		—		—		—		—
Residential real estate
Non-jumbo	1,293		96,352		97,645		1,374		77,894		79,268
Jumbo	962		3,144		4,106		975		2,577		3,552
Home equity	—		2,440		2,440		—		2,805		2,805
Consumer	—		5,854		5,854		—		4,630		4,630
Other	—		15		15		—		122		122
Total recorded investment	$	3,517	$	152,569	$	156,086	$	3,511	$	136,687	$	140,198

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The following table presents a summary of the change in the accretable yield of the purchased credit impaired ("PCI") loan portfolio for the three and six months ended June 30, 2019 and 2018:

	For the Three Months Ended June 30,						For the Six Months Ended June 30,
Dollars in thousands	2019			2018			2019			2018
Accretable yield	$	623		$	708		$	632		$	745
Accretion	(26		)	(32		)	(34		)	(69		)
Reclassification of nonaccretable difference due to improvement     in expected cash flows	—			—			—			—
Other changes, net	—			—			(1		)	—
Accretable yield, June 30	$	597		$	676		$	597		$	676

The following table presents the contractual aging of the recorded investment in past due loans by class as of June 30, 2019 and December 31, 2018.

	At June 30, 2019
	Past Due										> 90 days and Accruing
Dollars in thousands	30-59 days		60-89 days		> 90 days		Total		Current
Commercial	$	327	$	137	$	700	$	1,164	$	202,974	$	—
Commercial real estate
Owner-occupied	520		—		4,454		4,974		257,927		—
Non-owner occupied	—		1,205		1,463		2,668		572,009		—
Construction and development
Land and land development	258		—		43		301		67,468		—
Construction	—		—		—		—		46,975		—
Residential mortgage
Non-jumbo	5,686		806		2,564		9,056		351,696		119
Jumbo	642		—		—		642		69,529		—
Home equity	101		94		258		453		80,920		21
Mortgage warehouse lines	—		—		—		—		101,607		—
Consumer	230		63		109		402		36,313		68
Other	—		—		100		100		11,824		—
Total	$	7,764	$	2,305	$	9,691	$	19,760	$	1,799,242	$	208

20

	At December 31, 2018
	Past Due										> 90 days and Accruing
Dollars in thousands	30-59 days		60-89 days		> 90 days		Total		Current
Commercial	$	254	$	51	$	483	$	788	$	193,527	$	—
Commercial real estate
Owner-occupied	—		—		612		612		256,644		—
Non-owner occupied	156		255		1,756		2,167		571,765		—
Construction and development
Land and land development	190		4		3,174		3,368		65,465		—
Construction	—		—		—		—		24,731		—
Residential mortgage
Non-jumbo	4,120		2,235		3,753		10,108		326,869		—
Jumbo	—		—		675		675		72,924		—
Home equity	754		261		181		1,196		79,714		—
Mortgage warehouse lines	—		—		—		—		39,140		—
Consumer	502		121		125		748		31,712		36
Other	31		—		—		31		12,868		—
Total	$	6,007	$	2,927	$	10,759	$	19,693	$	1,675,359	$	36

Nonaccrual loans:  The following table presents the nonaccrual loans included in the net balance of loans at June 30, 2019 and December 31, 2018.

	June 30,		December 31,
Dollars in thousands	2019		2018
Commercial	$	948	$	935
Commercial real estate
Owner-occupied	4,624		1,028
Non-owner occupied	1,920		2,210
Construction and development
Land & land development	66		3,198
Construction	—		—
Residential mortgage
Non-jumbo	4,561		6,532
Jumbo	642		675
Home equity	314		299
Mortgage warehouse lines	—		—
Consumer	92		112
Other	100		—
Total	$	13,267	$	14,989

Impaired loans:  Impaired loans include the following:

▪ Loans which we risk-rate (loan relationships having aggregate balances in excess of $2.5 million, or loans exceeding $500,000 and exhibiting credit weakness) through our normal loan review procedures and which, based on current information and events, it is probable that we will be unable to collect all amounts due in accordance with the original contractual terms of the loan agreement.   Risk-rated loans with insignificant delays or insignificant short falls in the amount of payments expected to be collected are not considered to be impaired.

▪ Loans that have been modified in a troubled debt restructuring.

21

Both commercial and consumer loans are deemed impaired upon being contractually modified in a troubled debt restructuring. Troubled debt restructurings typically result from our loss mitigation activities and occur when we grant a concession to a borrower who is experiencing financial difficulty in order to minimize our economic loss and to avoid foreclosure or repossession of collateral.  Once restructured, a loan is generally considered impaired until its maturity, regardless of whether the borrower performs under the modified terms.  Although such a loan may be returned to accrual status if the criteria set forth in accounting principles generally accepted in the United States are met, the loan would continue to be evaluated for an asset-specific allowance for loan losses and we would continue to report the loan in the impaired loan table below.

22

The following tables present loans individually evaluated for impairment at June 30, 2019 and December 31, 2018.

	June 30, 2019
Dollars in thousands	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Impaired Balance		Interest Income Recognized while impaired
Without a related allowance
Commercial	$	5,215	$	5,216	$	—	$	5,371	$	334
Commercial real estate
Owner-occupied	8,867		8,872		—		8,822		207
Non-owner occupied	10,814		10,821		—		9,967		504
Construction and development
Land & land development	1,088		1,088		—		1,129		68
Construction	—		—		—		—		—
Residential real estate
Non-jumbo	3,705		3,711		—		3,698		198
Jumbo	4,022		4,021		—		4,044		190
Home equity	523		523		—		523		32
Mortgage warehouse lines	—		—		—		—		—
Consumer	15		15		—		10		1
Total without a related allowance	$	34,249	$	34,267	$	—	$	33,564	$	1,534
With a related allowance
Commercial	$	269	$	269	$	30	$	184	$	1
Commercial real estate
Owner-occupied	2,915		2,914		444		2,924		114
Non-owner occupied	—		—		—		—		—
Construction and development
Land & land development	1,035		1,036		521		1,041		57
Construction	—		—		—		—		—
Residential real estate
Non-jumbo	2,371		2,370		678		2,341		74
Jumbo	—		—		—		—		—
Home equity	—		—		—		—		—
Mortgage warehouse lines	—		—		—		—		—
Consumer	—		—		—		—		—
Total with a related allowance	$	6,590	$	6,589	$	1,673	$	6,490	$	246
Total
Commercial	$	30,203	$	30,216	$	995	$	29,438	$	1,285
Residential real estate	10,621		10,625		678		10,606		494
Consumer	15		15		—		10		1
Total	$	40,839	$	40,856	$	1,673	$	40,054	$	1,780

The table above does not include PCI loans.

23

	December 31, 2018
Dollars in thousands	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Impaired Balance		Interest Income Recognized while impaired
Without a related allowance
Commercial	$	1,019	$	1,253	$	—	$	321	$	16
Commercial real estate
Owner-occupied	8,600		8,605		—		7,730		318
Non-owner occupied	9,666		9,673		—		9,753		493
Construction and development
Land & land development	4,767		4,767		—		4,947		102
Construction	—		—		—		—		—
Residential real estate
Non-jumbo	3,279		3,284		—		3,401		180
Jumbo	4,132		4,130		—		3,517		166
Home equity	523		523		—		523		30
Mortgage warehouse lines	—		—		—		—		—
Consumer	9		10		—		13		1
Total without a related allowance	$	31,995	$	32,245	$	—	$	30,205	$	1,306
With a related allowance
Commercial	$	3,343	$	3,342	$	682	$	705	$	39
Commercial real estate
Owner-occupied	2,969		2,969		462		2,397		117
Non-owner occupied	189		191		9		226		16
Construction and development
Land & land development	1,057		1,057		298		1,073		56
Construction	—		—		—		—		—
Residential real estate
Non-jumbo	2,982		2,981		585		2,539		98
Jumbo	821		822		106		827		48
Home equity	—		—		—		—		—
Mortgage warehouse lines	—		—		—		—		—
Consumer	—		—		—		—		—
Total with a related allowance	$	11,361	$	11,362	$	2,142	$	7,767	$	374
Total
Commercial	$	31,610	$	31,857	$	1,451	$	27,152	$	1,157
Residential real estate	11,737		11,740		691		10,807		522
Consumer	9		10		—		13		1
Total	$	43,356	$	43,607	$	2,142	$	37,972	$	1,680

The table above does not include PCI loans.

24

Included in impaired loans are TDRs of $26.2 million, of which $23.2 million were current with respect to restructured contractual payments at June 30, 2019, and $27 million, of which $26.6 million were current with respect to restructured contractual payments at December 31, 2018.  There were no commitments to lend additional funds under these restructurings at either balance sheet date.

The following tables present by class the TDRs that were restructured during the three and six months ended June 30, 2019 and June 30, 2018 . Generally, the modifications were extensions of term, modifying the payment terms from principal and interest to interest only for an extended period, or reduction in interest rate.  All TDRs are evaluated individually for allowance for loan loss purposes.

	For the Three Months Ended   June 30, 2019					For the Three Months Ended   June 30, 2018
Dollars in thousands	Number of Modifications	Pre-modification Recorded Investment		Post-modification Recorded Investment		Number of Modifications	Pre-modification Recorded Investment		Post-modification Recorded Investment
Commercial	—	$	—	$	—	2	$	157	$	157
Residential real estate
Non-jumbo	—	—		—		5	741		741
Total	—	$	—	$	—	7	$	898	$	898

	For the Six Months Ended   June 30, 2019					For the Six Months Ended   June 30, 2018
Dollars in thousands	Number of Modifications	Pre-modification Recorded Investment		Post-modification Recorded Investment		Number of Modifications	Pre-modification Recorded Investment		Post-modification Recorded Investment
Commercial	—	$	—	$	—	2	$	157	$	157
Commercial real estate
Owner-occupied	1	325		325		—	—		—
Non-owner occupied	4	324		324		—	—		—
Residential real estate
Non-jumbo	7	410		410		6	805		805
Consumer	1	16		16		—	—		—
Total	13	$	1,075	$	1,075	8	$	962	$	962

The following tables present defaults during the stated period of TDRs that were restructured during the past twelve months. For purposes of these tables, a default is considered as either the loan was past due 30 days or more at any time during the period, or the loan was fully or partially charged off during the period.

	For the Three Months Ended   June 30, 2019			For the Three Months Ended   June 30, 2018
Dollars in thousands	Number of Defaults	Recorded Investment at Default Date		Number of Defaults	Recorded Investment at Default Date
Commercial	—	$	—	2	$	157
Commercial real estate
Owner-occupied	—	—		1	2,302
Non-owner occupied	1	126		1	341
Construction and development
Land & land development	—	—		1	438
Residential real estate
Non-jumbo	4	193		2	506
Total	5	$	319	7	$	3,744

25

	For the Six Months Ended   June 30, 2019			For the Six Months Ended   June 30, 2018
Dollars in thousands	Number of Defaults	Recorded Investment at Default Date		Number of Defaults	Recorded Investment at Default Date
Commercial	—	$	—	2	$	157
Commercial real estate
Owner-occupied	—	—		1	2,302
Non-owner occupied	1	126		1	341
Construction and development
Land & land development	—	—		1	438
Residential real estate
Non-jumbo	4	193		3	712
Total	5	$	319	8	$	3,950

The following tables detail the activity regarding TDRs by loan type, net of fees, for the three and six months ended June 30, 2019, and the related allowance on TDRs.

For the Three Months Ended June 30, 2019
	Construction & Land Development								Commercial Real Estate						Residential Real Estate
Dollars in thousands	Land & Land Develop- ment			Construc- tion		Commer- cial			Owner Occupied			Non- Owner Occupied			Non- jumbo			Jumbo			Home Equity		Mortgage Warehouse Lines		Con- sumer			Other		Total
Troubled debt restructurings
Balance April 1, 2019	$	2,629		$	—	$	265		$	9,629		$	5,676		$	4,869		$	4,231		$	523	$	—	$	23		$	—	$	27,845
Additions	—			—		—			—			—			—			—			—		—		—			—		—
Charge-offs	—			—		—			—			—			—			—			—		—		—			—		—
Net (paydowns) advances	(506		)	—		(32		)	(41		)	(52		)	(174		)	(851		)	—		—		(8		)	—		(1,664		)
Transfer into foreclosed properties	—			—		—			—			—			—			—			—		—		—			—		—
Refinance out of TDR status	—			—		—			—			—			—			—			—		—		—			—		—
Balance, June 30, 2019	$	2,123		$	—	$	233		$	9,588		$	5,624		$	4,695		$	3,380		$	523	$	—	$	15		$	—	$	26,181
Allowance related to troubled debt restructurings	$	521		$	—	$	6		$	271		$	—		$	200		$	—		$	—	$	—	$	—		$	—	$	998

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For the Six Months Ended June 30, 2019
	Construction & Land Development								Commercial Real Estate						Residential Real Estate
Dollars in thousands	Land & Land Develop- ment			Construc- tion		Commer- cial			Owner Occupied			Non- Owner Occupied			Non- jumbo			Jumbo			Home Equity		Mortgage Warehouse Lines		Con- sumer			Other		Total
Troubled debt restructurings
Balance January 1, 2019	$	2,654		$	—	$	273		$	9,365		$	5,404		$	4,490		$	4,278		$	523	$	—	$	10		$	—	$	26,997
Additions	—			—		—			325			324			410			—			—		—		16			—		1,075
Charge-offs	—			—		—			—			—			—			—			—		—		—			—		—
Net (paydowns) advances	(531		)	—		(40		)	(102		)	(104		)	(205		)	(898		)	—		—		(11		)	—		(1,891		)
Transfer into foreclosed properties	—			—		—			—			—			—			—			—		—		—			—		—
Refinance out of TDR status	—			—		—			—			—			—			—			—		—		—			—		—
Balance, June 30, 2019	$	2,123		$	—	$	233		$	9,588		$	5,624		$	4,695		$	3,380		$	523	$	—	$	15		$	—	$	26,181
Allowance related to troubled debt restructurings	$	521		$	—	$	6		$	271		$	—		$	200		$	—		$	—	$	—	$	—		$	—	$	998

The following table presents the recorded investment in construction and development, commercial, and commercial real estate loans which are generally evaluated based upon our internal risk ratings.

Loan Risk Profile by Internal Risk Rating
	Construction and Development												Commercial Real Estate
	Land and Land Development				Construction				Commercial				Owner Occupied				Non-Owner Occupied				Mortgage Warehouse Lines
Dollars in thousands	6/30/2019		12/31/2018		6/30/2019		12/31/2018		6/30/2019		12/31/2018		6/30/2019		12/31/2018		6/30/2019		12/31/2018		6/30/2019		12/31/2018
Pass	$	65,893	$	63,743	$	46,835	$	24,589	$	196,706	$	182,651	$	255,527	$	250,254	$	565,858	$	565,715	$	101,607	$	39,140
OLEM (Special Mention)	461		472		140		142		1,572		6,748		2,421		1,864		1,653		1,554		—		—
Substandard	1,415		4,618		—		—		5,860		4,916		4,953		5,138		7,166		6,663		—		—
Doubtful	—		—		—		—		—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—		—		—		—		—
Total	$	67,769	$	68,833	$	46,975	$	24,731	$	204,138	$	194,315	$	262,901	$	257,256	$	574,677	$	573,932	$	101,607	$	39,140

The following table presents the recorded investment and payment activity in consumer, residential real estate, and home equity loans, which are generally evaluated based on the aging status of the loans.

	Performing				Nonperforming
Dollars in thousands	6/30/2019		12/31/2018		6/30/2019		12/31/2018
Residential real estate
Non-jumbo	$	356,071	$	330,445	$	4,681	$	6,532
Jumbo	69,529		72,924		642		675
Home Equity	81,039		80,611		334		299
Consumer	36,555		32,312		160		148
Other	11,824		12,899		100		—
Total	$	555,018	$	529,191	$	5,917	$	7,654

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NOTE 7.  ALLOWANCE FOR LOAN LOSSES

An analysis of the allowance for loan losses for the six month period ended June 30, 2019 and for the year ended December 31, 2018 is as follows:

	June 30,		December 31,
Dollars in thousands	2019		2018
Balance, beginning of year	$	13,047	$	12,565
Charge-offs:
Commercial	17		248
Commercial real estate
Owner occupied	2		38
Non-owner occupied	—		619
Construction and development
Land and land development	—		259
Construction	—		—
Residential real estate
Non-jumbo	418		887
Jumbo	—		—
Home equity	—		26
Mortgage warehouse lines	—		—
Consumer	194		244
Other	174		282
Total	805		2,603
Recoveries:
Commercial	7		16
Commercial real estate
Owner occupied	13		23
Non-owner occupied	—		—
Construction and development
Land and land development	104		270
Construction	—		—
Residential real estate
Non-jumbo	48		228
Jumbo	—		25
Home equity	15		10
Mortgage warehouse lines	—		—
Consumer	100		141
Other	73		122
Total	360		835
Net charge-offs	445		1,768
Provision for loan losses	550		2,250
Balance, end of period	$	13,152	$	13,047

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The following table presents the activity in the allowance for loan losses, balance in the allowance for loan losses and recorded investment in loans by portfolio segment and based on impairment during the first six months of 2019 and for the year ended 2018:

	For the Six Months Ended June 30, 2019												At June 30, 2019								At June 30, 2019
	Allowance for loan losses												Allowance related to:								Loans
	Beginning  Balance		Charge- offs			Recoveries		Provision			Ending Balance		Loans individua- lly evaluated  for impairm- ent		Loans collective- ly evaluated for impairm- ent		Loans acquired  with deteriora- ted credit quality (PCI)		Total		Loans individua- lly evaluated for impairm- ent		Loans collective- ly evaluated for impairm- ent		Loans acquired with deteriora- ted credit quality (PCI)		Total
Commercial	$	1,705	$	(17	)	$	7	$	(491	)	$	1,204	$	30	$	1,174	$	—	$	1,204	$	5,484	$	198,654	$	—	$	204,138
Commercial real estate
Owner occupied	2,214		(2		)	13		480			2,705		444		2,261		—		2,705		11,782		251,119		—		262,901
Non-owner occupied	5,742		—			—		(104		)	5,638		—		5,547		91		5,638		10,814		562,601		1,262		574,677
Construction and development
Land and land development	339		—			104		119			562		521		41		—		562		2,123		65,646		—		67,769
Construction	64		—			—		254			318		—		318		—		318		—		46,975		—		46,975
Residential real estate
Non-jumbo	2,090		(418		)	48		485			2,205		678		1,517		10		2,205		6,076		353,383		1,293		360,752
Jumbo	379		—			—		(369		)	10		—		10		—		10		4,022		65,187		962		70,171
Home equity	167		—			15		(62		)	120		—		120		—		120		523		80,850		—		81,373
Mortgage warehouse lines	—		—			—		—			—		—		—		—		—		—		101,607		—		101,607
Consumer	79		(194		)	100		128			113		—		113		—		113		15		36,700		—		36,715
Other	268		(174		)	73		110			277		—		277		—		277		—		11,924		—		11,924
Total	$	13,047	$	(805	)	$	360	$	550		$	13,152	$	1,673	$	11,378	$	101	$	13,152	$	40,839	$	1,774,646	$	3,517	$	1,819,002

	For the Year Ended December 31, 2018												At December 31, 2018								At December 31, 2018
	Allowance for loan losses												Allowance related to:								Loans
	Beginning  Balance		Charge- offs			Recoveries		Provision			Ending Balance		Loans individua- lly evaluated  for impairm- ent		Loans collective- ly evaluated for impairm- ent		Loans acquired  with deteriora- ted credit quality (PCI)		Total		Loans individua- lly evaluated for impairm- ent		Loans collective- ly evaluated for impairm- ent		Loans acquired with deteriora- ted credit quality (PCI)		Total
Commercial	$	1,303	$	(248	)	$	16	$	634		$	1,705	$	682	$	1,023	$	—	$	1,705	$	4,362	$	189,953	$	—	$	194,315
Commercial real estate
Owner occupied	2,424		(38		)	23		(195		)	2,214		462		1,752		—		2,214		11,569		245,687		—		257,256
Non-owner occupied	4,950		(619		)	—		1,411			5,742		9		5,729		4		5,742		9,855		562,915		1,162		573,932
Construction and development
Land and land development	641		(259		)	270		(313		)	339		298		41		—		339		5,824		63,009		—		68,833
Construction	153		—			—		(89		)	64		—		64		—		64		—		24,731		—		24,731
Residential real estate
Non-jumbo	1,911		(887		)	228		838			2,090		585		1,495		10		2,090		6,261		329,342		1,374		336,977
Jumbo	72		—			25		282			379		106		273		—		379		4,953		67,671		975		73,599
Home equity	638		(26		)	10		(455		)	167		—		167		—		167		523		80,387		—		80,910
Mortgage warehouse lines	—		—			—		—			—		—		—		—		—		—		39,140		—		39,140
Consumer	210		(244		)	141		(28		)	79		—		79		—		79		9		32,451		—		32,460
Other	263		(282		)	122		165			268		—		268		—		268		—		12,899		—		12,899
Total	$	12,565	$	(2,603	)	$	835	$	2,250		$	13,047	$	2,142	$	10,891	$	14	$	13,047	$	43,356	$	1,648,185	$	3,511	$	1,695,052

NOTE 8.  GOODWILL AND OTHER INTANGIBLE ASSETS

The following tables present our goodwill by reporting unit at June 30, 2019 and other intangible assets by reporting unit at June 30, 2019 and December 31, 2018.

29

	Goodwill Activity
Dollars in thousands	Community Banking		Insurance Services			Total
Balance, January 1, 2019	$	10,562	$	4,710		$	15,272
Reclassifications to goodwill	—		—			—
Acquired goodwill, net	1,855		—			1,855
Goodwill reduction in conjunction with sale of Summit Insurance Services, LLC	—		(4,710		)	(4,710		)
Balance, June 30, 2019	$	12,417	$	—		$	12,417

	Other Intangible Assets
	June 30, 2019						December 31, 2018
Dollars in thousands	Community Banking		Insurance Services		Total		Community Banking		Insurances Services		Total
Identifiable intangible assets
Gross carrying amount	$	14,727	$	3,000	$	17,727	$	12,598	$	3,000	$	15,598
Less: accumulated amortization	3,559		2,367		5,926		2,728		2,300		5,028
Less: customer intangible reduction in conjunction with sale of Summit Insurance Services, LLC	—		633		633		—		—		—
Net carrying amount	$	11,168	$	—	$	11,168	$	9,870	$	700	$	10,570

We recorded amortization expense of $897,000 and $848,000 for the six months ended June 30, 2019 and 2018, respectively, relative to our identifiable intangible assets.  

Amortization relative to our identifiable intangible assets is expected to approximate the following during the next five years:

	Core Deposit
Dollars in thousands	Intangible
2019	$	1,634
2020	1,513
2021	1,393
2022	1,273
2023	1,152

NOTE 9.  DEPOSITS

The following is a summary of interest bearing deposits by type as of June 30, 2019 and December 31, 2018:

Dollars in thousands	June 30, 2019		December 31, 2018
Demand deposits, interest bearing	$	588,948	$	523,257
Savings deposits	301,403		284,173
Time deposits	672,745		605,276
Total	$	1,563,096	$	1,412,706

Included in time deposits are deposits acquired through a third party (“brokered deposits”) totaling $222.9 million and $220.5 million at June 30, 2019 and December 31, 2018, respectively.

30

A summary of the scheduled maturities for all time deposits as of June 30, 2019 is as follows:

Dollars in thousands
Six month period ending December 31, 2019	$	141,784
Year ending December 31, 2020	290,872
Year ending December 31, 2021	127,679
Year ending December 31, 2022	43,620
Year ending December 31, 2023	18,004
Thereafter	50,786
Total	$	672,745

The aggregate amount of time deposits in denominations that meet or exceed the FDIC insurance limit of $250,000 totaled $267.9 million at June 30, 2019 and $255.8 million at December 31, 2018.

NOTE 10.  BORROWED FUNDS

Short-term borrowings:    A summary of short-term borrowings is presented below:

	Six Months Ended June 30,
	2019						2018
Dollars in thousands	Short-term FHLB Advances			Federal Funds Purchased and Lines of Credit			Short-term FHLB Advances			Federal Funds Purchased and Lines of Credit
Balance at June 30	$	225,200		$	143		$	199,900		$	2,529
Average balance outstanding for the period	192,895			777			211,884			3,497
Maximum balance outstanding at any month end during period	225,200			143			262,000			3,523
Weighted average interest rate for the period	2.72		%	2.48		%	1.87		%	1.65		%
Weighted average interest rate for balances
outstanding at June 30	2.51		%	2.50		%	2.19		%	2.00		%

	Year Ended December 31, 2018
Dollars in thousands	Short-term FHLB Advances			Federal Funds Purchased and Lines of Credit
Balance at December 31	$	303,950		5,134
Average balance outstanding for the period	223,764			4,378
Maximum balance outstanding at any month end     during period	303,950			7,534
Weighted average interest rate for the period	2.18		%	1.95	%
Weighted average interest rate for balances
outstanding at December 31	2.71		%	2.50	%

Long-term borrowings:  Our long-term borrowings of $726,000 and $735,000 at June 30, 2019 and December 31, 2018, respectively, consisted of advances from the Federal Home Loan Bank (“FHLB”) and structured repurchase agreements with unaffiliated institutions. All FHLB advances are collateralized primarily by similar amounts of residential mortgage loans, certain commercial loans, mortgage backed securities and securities of U. S. Government agencies and corporations.

31

	Balance at June 30,		Balance at   December 31,
Dollars in thousands	2019		2018
Long-term FHLB advances	$	726	$	735
Total	$	726	$	735

Our long term FHLB borrowings bear both fixed and variable rates and mature in varying amounts through the year 2026.

The average interest rate paid on long-term borrowings and long-term repurchase agreements for the six month period ended June 30, 2019 was 5.34% compared to 4.26% for the first six months of 2018.

Subordinated debentures owed to unconsolidated subsidiary trusts:  We have three statutory business trusts that were formed for the purpose of issuing mandatorily redeemable securities (the “capital securities”) for which we are obligated to third party investors and investing the proceeds from the sale of the capital securities in our junior subordinated debentures (the “debentures”).  The debentures held by the trusts are their sole assets.  Our subordinated debentures totaled $19.6 million at June 30, 2019 and December 31, 2018.

The capital securities held by SFG Capital Trust I, SFG Capital Trust II, and SFG Capital Trust III qualify as Tier 1 capital under Federal Reserve Board guidelines.  In accordance with these Guidelines, trust preferred securities generally are limited to 25% of Tier 1 capital elements, net of goodwill.  The amount of trust preferred securities and certain other elements in excess of the limit can be included in Tier 2 capital.

A summary of the maturities of all long-term borrowings and subordinated debentures for the next five years and thereafter is as follows:

Dollars in thousands		Long-term borrowings		Subordinated debentures owed to unconsolidated subsidiary trusts
Year Ending December 31,	2019	$	9	$	—
	2020	18		—
	2021	20		—
	2022	21		—
	2023	22		—
	Thereafter	636		19,589
		$	726	$	19,589

NOTE 11.  SHARE-BASED COMPENSATION

The 2014 Long-Term Incentive Plan (“2014 LTIP”) was adopted by our shareholders in May 2014 to enhance the ability of the Company to attract and retain exceptionally qualified individuals to serve as key employees. The LTIP provides for the issuance of up to 500,000 shares of common stock, in the form of equity awards including stock options, restricted stock, restricted stock units, stock appreciation rights ("SARs"), performance units, other stock-based awards or any combination thereof,  to our key employees. 

Stock options awarded under the 2009 Officer Stock Option Plan and the 1998 Officer Stock Option Plan (collectively, the “Plans”) were not altered by the 2014 LTIP, and remain subject to the terms of the Plans.  However, under the terms of the 2014 LTIP, all shares of common stock remaining issuable under the Plans at the time the 2014 LTIP was adopted ceased to be available for future issuance.

Under the 2014 LTIP and the Plans, stock options and SARs have generally been granted with an exercise price equal to the fair value of Summit's common stock on the grant date. We periodically grant employee stock options to individual employees. During first quarter 2019, we granted 109,819 SARs that become exercisable ratably over five years (20% per year) and expire ten years after the grant date and granted 28,306 SARS that become exercisable ratably over seven years (14.29% per year) and expire ten years after the grant date.

32

The fair value of our employee stock options and SARs granted under the Plans is estimated at the date of grant using the Black-Scholes option-pricing model. This model requires the input of highly subjective assumptions, changes to which can materially affect the fair value estimate. Additionally, there may be other factors that would otherwise have a significant effect on the value of employee stock options and SARs granted but are not considered by the model. Because our employee stock options and SARs have characteristics significantly different from those of traded options and because changes in the subjective input assumptions can materially affect the fair value estimate, in management’s opinion, the existing models do not necessarily provide a reliable single measure of the fair value of its employee stock options and SARs at the time of grant. The assumptions used to value SARs granted during 2019 were as follows:

	5-year vesting SARs		7-year vesting SARs
Risk-free interest rate	2.43	%	2.51	%
Expected dividend yield	2.30	%	2.30	%
Expected common stock volatility	35.71	%	40.84	%
Expected life	6.5 years		7.0 years

We recognize compensation expense based on the estimated number of stock awards expected to actually vest, exclusive of the awards expected to be forfeited.  During the first six months of 2019 and 2018, our share-based compensation expense was $281,000 and $193,000 and the related deferred tax benefits were approximately $67,000 and $46,000.

A summary of activity in our Plans during the first six months of 2019 and 2018 is as follows:

	For the Six Months Ended June 30,
	2019
	Options/SARs		Aggregate Intrinsic Value (in thousands)		Remaining Contractual Term (Yrs.)	Weighted-Average Exercise Price
Outstanding, January 1	232,091					$	17.36
Granted	138,125					23.94
Exercised	(31,413	)				11.83
Forfeited	—					—
Expired	—					—
Outstanding, June 30	338,803		$	2,132	7.66	$	20.56
Exercisable, June 30	112,989		$	1,189	5.84	$	16.32

	For the Six Months Ended June 30,
	2018
	Options/SARs		Aggregate Intrinsic Value (in thousands)		Remaining Contractual Term (Yrs.)	Weighted-Average Exercise Price
Outstanding, January 1	250,291					$	17.75
Granted	—					—
Exercised	(200	)				17.79
Forfeited	(3,000	)				26.01
Expired	—					—
Outstanding, June 30	247,091		$	2,272	6.83	$	17.65
Exercisable, June 30	110,924		$	1,225	5.72	$	15.80

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NOTE 12.  COMMITMENTS AND CONTINGENCIES

Off-Balance Sheet Arrangements

We are a party to certain financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of our customers.  These instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the statement of financial position.  The contract amounts of these instruments reflect the extent of involvement that we have in this class of financial instruments.

Many of our lending relationships contain both funded and unfunded elements.  The funded portion is reflected on our balance sheet.  The unfunded portion of these commitments is not recorded on our balance sheet until a draw is made under the loan facility.  Since many of the commitments to extend credit may expire without being drawn upon, the total commitment amounts do not necessarily represent future cash flow requirements.

A summary of the total unfunded, or off-balance sheet, credit extension commitments follows:

Dollars in thousands	June 30, 2019
Commitments to extend credit:
Revolving home equity and credit card lines	$	69,381
Construction loans	127,139
Other loans	163,887
Standby letters of credit	5,784
Total	$	366,191

Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract.  Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee.  We evaluate each customer's credit worthiness on a case-by-case basis.  The amount of collateral obtained, if we deem necessary upon extension of credit, is based on our credit evaluation.  Collateral held varies but may include accounts receivable, inventory, equipment or real estate.

Standby letters of credit are conditional commitments issued to guarantee the performance of a customer to a third party.  Standby letters of credit generally are contingent upon the failure of the customer to perform according to the terms of the underlying contract with the third party.

Our exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit is represented by the contractual amount of those instruments.  We use the same credit policies in making commitments and conditional obligations as we do for on-balance sheet instruments.

Operating leases

We occupy certain facilities under long-term operating leases.  The aggregate minimum annual rental commitments under those leases total approximately $115,000 in 2019 and $92,000 in 2020.  Total net rent expense included in the accompanying consolidated financial statements was $100,000 for the six months ended June 30, 2019 and $140,000 for the six months ended June 30, 2018.

Litigation

We are not a party to litigation except for matters that arise in the normal course of business.  While it is impossible to ascertain the ultimate resolution or range of financial liability if any, with respect to these contingent matters, in the opinion of management, the outcome of these matters will not have a significant adverse effect on the consolidated financial statements.

NOTE 13.  REGULATORY MATTERS

Our bank subsidiary, Summit Community Bank, Inc. (“Summit Community”), is subject to various regulatory capital requirements administered by the banking regulatory agencies. Under the capital adequacy guidelines and the regulatory framework for prompt corrective action, Summit Community must meet specific capital guidelines that involve quantitative

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measures of its assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices.  Our bank subsidiary’s capital amounts and classifications are also subject to qualitative judgments by the regulators about components, risk weightings and other factors. Quantitative measures established by regulation to ensure capital adequacy require Summit Community to maintain minimum amounts and ratios of Common Equity Tier 1("CET1"), Total capital and Tier I capital (as defined in the regulations) to risk-weighted assets (as defined), and of Tier I capital (as defined) to average assets (as defined).  We believe, as of June 30, 2019, that our bank subsidiary met all capital adequacy requirements to which they were subject.

The most recent notifications from the banking regulatory agencies categorized Summit Community as well capitalized under the regulatory framework for prompt corrective action.  To be categorized as well capitalized, Summit Community must maintain minimum CET1, Total risk-based, Tier I risk-based, and Tier I leverage ratios as set forth in the table below.

The Basel III Capital Rules became effective for us on January 1, 2015, with full compliance with all of the final rule's requirements phased-in over a multi-year schedule, to be fully phased-in by January 1, 2019. As of June 30, 2019, Summit Community’s capital levels remained characterized as "well-capitalized" under the new rules. See the Capital Requirements section included in Part I, Item 1 -- Business of our 2018 Annual Report on Form 10-K for further discussion of Basel III.

On August 28, 2018, the Federal Reserve Board (the “Board”) issued an interim final rule expanding the applicability of the Board's small bank holding company policy statement, as required by the Economic Growth, Regulatory Relief, and Consumer Protection Act of 2018. The interim final rule raises the small bank holding company policy statement's asset threshold from $1 billion to $3 billion in total consolidated assets, and as a result, our holding company was exempted from all regulatory capital guidelines, to which it previously had been subject, until such time as its consolidated assets exceed $3 billion.

The following table presents Summit's, as well as Summit Community's, actual and required minimum capital amounts and ratios as of June 30, 2019 and December 31, 2018 under the Basel III Capital Rules.  The minimum required capital levels presented below reflect the minimum required capital levels (inclusive of the full capital conservation buffers) that will be effective as of January 1, 2019 when the Basel III Capital Rules have been fully phased-in.  Capital levels required to be considered well capitalized are based upon prompt corrective action regulations, as amended to reflect the changes under the Basel III Capital Rules.

	Actual				Minimum Required Capital - Basel III Fully Phased-in			Minimum Required To Be Well Capitalized
Dollars in thousands	Amount		Ratio		Amount	Ratio		Amount	Ratio
As of June 30, 2019
CET1 (to risk weighted assets)
Summit	$	212,502	11.1	%	N/A	N/A		N/A	N/A
Summit Community	228,143		11.9	%	134,202	7.0	%	124,616	6.5	%
Tier I Capital (to risk weighted assets)
Summit	231,502		12.1	%	N/A	N/A		N/A	N/A
Summit Community	228,143		11.9	%	162,959	8.5	%	153,373	8.0	%
Total Capital (to risk weighted assets)
Summit	244,654		12.8	%	N/A	N/A		N/A	N/A
Summit Community	241,295		12.6	%	201,079	10.5	%	191,504	10.0	%
Tier I Capital (to average assets)
Summit	231,502		10.4	%	N/A	N/A		N/A	N/A
Summit Community	228,143		10.2	%	89,468	4.0	%	111,835	5.0	%

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	Actual			Minimum Required Capital - Basel III Fully Phased-in			Minimum Required To Be Well Capitalized
Dollars in thousands	Amount	Ratio		Amount	Ratio		Amount	Ratio
As of December 31, 2018
CET1 (to risk weighted assets)
Summit	197,551	11.1	%	N/A	N/A		N/A	N/A
Summit Community	213,930	12.0	%	124,793	7.0	%	115,879	6.5	%
Tier I Capital (to risk weighted assets)
Summit	216,551	12.2	%	N/A	N/A		N/A	N/A
Summit Community	213,930	12.0	%	151,534	8.5	%	142,620	8.0	%
Total Capital (to risk weighted assets)
Summit	229,598	12.9	%	N/A	N/A		N/A	N/A
Summit Community	226,977	12.8	%	186,192	10.5	%	177,326	10.0	%
Tier I Capital (to average assets)
Summit	216,551	10.1	%	N/A	N/A		N/A	N/A
Summit Community	213,930	10.0	%	85,572	4.0	%	106,965	5.0	%

NOTE  14.  DERIVATIVE FINANCIAL INSTRUMENTS

We have entered into four forward-starting, pay-fixed/receive LIBOR interest rate swaps.  $40 million notional with an effective date of July 18, 2016, was designated as a cash flow hedge of $40 million of forecasted variable rate Federal Home Loan Bank advances.  Under the terms of this swap we will pay a fixed rate of 2.98% for a 3 year period.  $30 million notional with an effective date of April 18, 2016, was designated as a cash flow hedge of $30 million of forecasted variable rate Federal Home Loan Bank advances.  Under the terms of this swap we will pay a fixed rate of 2.89% for a 4.5 year period.   $40 million notional with an effective date of October 18, 2016,  was designated as a cash flow hedge of $40 million of forecasted variable rate Federal Home Loan Bank advances.  Under the terms of the swap we will pay a fixed rate of 2.84% for a 3 year period. $40 million notional with an effective date of October 18, 2019, was designated as a cash flow hedge of $40 million of forecasted variable rate Federal Home Loan Bank advances. Under the terms of this swap we will pay a fixed rate of 2.19% for a 2 year period.

We have entered into two pay fixed/receive variable interest rate swaps to hedge fair value variability of two commercial fixed rate loans with the same principal, amortization, and maturity terms of the underlying loans, which are designated as fair value hedges. Under the terms of a $9.95 million original notional swap with an effective date of January 15, 2015, we will pay a fixed rate of 4.33% for a 10 year period. Under the terms of a $11.3 million original notional swap with an effective date of December 18, 2015, we will pay a fixed rate of 4.30% for a 10 year period.

A summary of our derivative financial instruments as of June 30, 2019 and December 31, 2018 follows:

	June 30, 2019
	Notional Amount		Derivative Fair Value				Net Ineffective
Dollars in thousands			Asset		Liability		Hedge Gains/(Losses)
CASH FLOW HEDGES
Pay-fixed/receive-variable interest rate swaps
Short term borrowings	$	150,000	$	—	$	968	$	—
FAIR VALUE HEDGES
Pay-fixed/receive-variable interest rate swaps
Commercial real estate loans	$	19,107	$	—	$	279	$	—

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	December 31, 2018
	Notional Amount		Derivative Fair Value				Net Ineffective
Dollars in thousands			Asset		Liability		Hedge Gains/(Losses)
CASH FLOW HEDGES
Pay-fixed/receive-variable interest rate swaps
Short term borrowings	$	110,000	$	—	$	411	$	—
FAIR VALUE HEDGES
Pay-fixed/receive-variable interest rate swaps
Commercial real estate loans	$	19,399	$	555	$	—	$	—

Loan commitments:  ASC Topic 815, Derivatives and Hedging, requires that commitments to make mortgage loans should be accounted for as derivatives if the loans are to be held for sale, because the commitment represents a written option and accordingly is recorded at the fair value of the option liability.

NOTE 15. ACQUISITIONS

Peoples Bankshares, Inc.

On January 1, 2019, Summit Community Bank, Inc. ("SCB"), a wholly-owned subsidiary of Summit, acquired 100% of the ownership of Peoples Bankshares, Inc. ("PBI") and its subsidiary First Peoples Bank, headquartered in Mullens, West Virginia. With this transaction, Summit further expands its footprint in Wyoming and Raleigh Counties of West Virginia. Pursuant to the Agreement and Plan of Merger dated July 24, 2018, PBI's shareholders received cash in the amount of $47.00 per share or 1.7193 shares of Summit common stock, or a combination of cash and Summit stock, subject to proration to result in approximately 50% cash and 50% stock consideration in the aggregate. Total stock consideration was $9.0 million or 465,931 shares of Summit common stock and cash consideration was $12.7 million. PBI's assets and liabilities approximated $133 million and $113 million, respectively, at December 31, 2018.

We accounted for the acquisition using the acquisition method of accounting in accordance with ASC 805, Business Combinations and accordingly, the assets and liabilities of PBI were recorded at their respective acquisition date fair values. Determining the fair value of assets and liabilities, particularly related to the loan portfolio, is a complicated process involving significant judgment regarding methods and assumptions used to calculate the estimated fair values. The fair values are preliminary and subject to refinement for up to one year after the acquisition date as additional information relative to the acquisition date fair values becomes available. We recognized goodwill of $1.85 million in connection with the acquisition, which is not amortized for financial reporting purposes, but is subject to annual impairment testing. The core deposit intangible represents the value of long-term deposit relationships acquired in this transaction and will be amortized over an estimated weighted average life of 15 years using an accelerated method which approximates the estimated run-off of the acquired deposits. The following table details the total consideration paid on January 1, 2019 in connection with the acquisition of PBI, the fair values of the assets acquired and liabilities assumed and the resulting preliminary goodwill.

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(Dollars in thousands)	As Recorded by PBI			Estimated Fair Value Adjustments			Estimated Fair Values as Recorded by Summit
Cash consideration							$	12,740
Stock consideration							8,997
Total consideration							21,737
Identifiable assets acquired:
Cash and cash equivalents	$	33,422		$	(93	)	$	33,329
Securities available for sale, at fair value	55,206			(93		)	55,113
Loans
Purchased performing	42,376			(977		)	41,399
Purchased credit impaired	—			—			—
Allowance for loan losses	(410		)	410			—
Premises and equipment	1,382			(567		)	815
Property held for sale	—			—			—
Core deposit intangibles	—			2,129			2,129
Other assets	1,110			(100		)	1,010
Total identifiable assets acquired	$	133,086		$	709		$	133,795
Identifiable liabilities assumed:
Deposits	112,064			315			112,379
Other liabilities	1,422			111			1,533
Total identifiable liabilities assumed	$	113,486		$	426		$	113,912
Net identifiable assets acquired	$	19,600		$	283		$	19,883
Goodwill resulting from acquisition							$	1,854

The following is a description of the methods used to determine the fair values of significant assets and liabilities presented above.

Cash and cash equivalents: The carrying amount of these assets approximates their fair value based on the short-term nature of these assets, with the exception of certificates of deposits held at other banks, which were adjusted to fair value based upon current interest rates.

Securities: Fair values for securities are based on quoted market prices, where available. If quoted market prices are not available, fair value estimates are based on observable inputs including quoted market prices for similar instruments, quoted market prices that are not in an active market or other inputs that are observable in the market.

Loans: Fair values for loans are based on a discounted cash flow methodology that considered factors including the type of loan and related collateral, collectibility, fixed or variable interest rate, term of loan, amortization status and current market rates. Loans were grouped together according to similar characteristics and were treated in the aggregate when applying various valuation techniques. The discount rates used for loans are based on current market rates for new originations of comparable loans and include adjustments for liquidity concerns, if any.

Premises and equipment: The fair value of PBI's real property was determined based upon appraisals by licensed appraisers. The fair value of tangible personal property, which is not material, was assumed to equal the carrying value by PBI.

Core deposit intangible: This intangible asset represents the value of the relationships with deposit customers. The fair value was estimated based on a discounted cash flow methodology that gave appropriate consideration to expected customer attrition rates, cost of the deposit base, reserve requirements and the net maintenance cost attributable to customer deposits.

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Deposits: The fair values of the demand and savings deposits by definition equal the amount payable on demand at the acquisition date. The fair values for time deposits are estimated using a discounted cash flow calculation that applies interest rates currently being offered to the contractual interest rates on such time deposits.

Loans acquired in a business combination are recorded at estimated fair value on the date of acquisition without the carryover of the related allowance for loan losses. Purchased credit-impaired (PCI) loans are those for which there is evidence of credit deterioration since origination and for which it is probable at the date of acquisition that we will not collect all contractually required principal and interest payments. When determining fair value, PCI loans are identified as of the date of acquisition based upon evidence of credit quality such as internal risk grades and past due and nonaccrual status. The difference between contractually required payments of principal and interest at acquisition and the cash flows expected to be collected at acquisition is accounted for as a"nonaccretable difference," and is available to absorb future credit losses on those loans. For purposes of determining the nonaccretable difference, no prepayments are generally assumed in determining contractually required payments of principal and interest or cash flows expected to be collected. Subsequent decreases to the expected cash flows will generally result in a provision for loan losses. Subsequent significant increases in cash flows may result in a reversal of the provision for loan losses to the extent of prior charges, or a transfer from nonaccretable difference to accretable yield. Further, any excess of cash flows expected at acquisition over the estimated fair value is accounted for as accretable yield and is recognized as interest income over the remaining life of the loan when there is a reasonable expectation about the amount and timing of such cash flows. No acquired PBI loans were designated as PCI loans.

Loans not designated PCI loans as of the acquisition date are designated purchased performing loans. We account for purchased performing loans using the contractual cash flows method of recognizing discount accretion based on the acquired loans’ contractual cash flows. Purchased performing loans are recorded at fair value, including a credit discount. The fair value discount is accreted as an adjustment to yield over the estimated lives of the loans. There is no allowance for loan losses established at the acquisition date for purchased performing loans. A provision for loan losses is recorded for any deterioration in these loans subsequent to the acquisition.

The following presents the financial effects of adjustments recognized in the statements of income for the three and six months ended June 30, 2019 and 2018 related to business combinations that occurred during 2016, 2017 and 2018.

	Income increase (decrease)
Dollars in thousands	Three Months Ended June 30,						Six Months Ended June 30,
	2019			2018			2019			2018
Interest and fees on loans	$	425		$	56		$	467		$	201
Interest expense on deposits	82			53			170			114
Amortization of intangibles	(404		)	(363		)	(830		)	(748		)
Income before income tax expense	$	103		$	(254	)	$	(193	)	$	(433	)

NOTE 16. ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)

The following is changes in accumulated other comprehensive income (loss) by component, net of tax, for the three and six months ending June 30, 2019 and 2018.

				For the Three Months Ended   June 30, 2019
Dollars in thousands	Gains and Losses on Pension Plan			Gains and Losses on Other Post-Retirement Benefits		Gains and Losses on Cash Flow Hedges			Unrealized Gains (Losses) on Available-for-Sale Securities			Total
Beginning balance	$	(328	)	$	139	$	(323	)	$	1,626		$	1,114
Other comprehensive income (loss) before reclassification	—			—		(414		)	2,346			1,932
Amounts reclassified from accumulated other comprehensive income	—			—		—			(825		)	(825		)
Net current period other comprehensive income (loss)	—			—		(414		)	1,521			1,107
Ending balance	$	(328	)	$	139	$	(737	)	$	3,147		$	2,221

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	For the Three Months Ended   June 30, 2018
Dollars in thousands	Gains and Losses on Other Post-Retirement Benefits		Gains and Losses on Cash Flow Hedges			Unrealized Gains (Losses) on Available-for-Sale Securities			Total
Beginning balance	$	398	$	(849	)	$	(437	)	$	(888	)
Other comprehensive (loss) income before reclassification	—		377			(409		)	(32		)
Amounts reclassified from accumulated other comprehensive income	—		—			(66		)	(66		)
Net current period other comprehensive (loss) income	—		377			(475		)	(98		)
Ending balance	$	398	$	(472	)	$	(912	)	$	(986	)

				For the Six Months Ended   June 30, 2019
Dollars in thousands	Gains and Losses on Pension Plan			Gains and Losses on Other Post-Retirement Benefits		Gains and Losses on Cash Flow Hedges			Unrealized Gains (Losses) on Available-for-Sale Securities			Total
Beginning balance	$	—		$	139	$	(314	)	$	(841	)	$	(1,016	)
Other comprehensive income (loss) before reclassification	(328		)	—		(423		)	4,810			4,059
Amounts reclassified from accumulated other comprehensive income	—			—		—			(822		)	(822		)
Net current period other comprehensive income (loss)	(328		)	—		(423		)	3,988			3,237
Ending balance	$	(328	)	$	139	$	(737	)	$	3,147		$	2,221

	For the Six Months Ended   June 30, 2018
Dollars in thousands	Gains and Losses on Other Post-Retirement Benefits		Gains and Losses on Cash Flow Hedges			Unrealized Gains (Losses) on Available-for-Sale Securities			Total
Beginning balance	$	398	$	(1,564	)	$	2,898		$	1,732
Other comprehensive (loss) income before reclassification	—		1,092			(3,188		)	(2,096		)
Amounts reclassified from accumulated other comprehensive income	—		—			(622		)	(622		)
Net current period other comprehensive (loss) income	—		1,092			(3,810		)	(2,718		)
Ending balance	$	398	$	(472	)	$	(912	)	$	(986	)

NOTE 17. INCOME TAXES

Our income tax expense for the three months ended June 30, 2019 and June 30, 2018 totaled $1.9 million and $1.7 million, respectively. For the six months ended June 30, 2019 and June 30, 2018 our income tax expense totaled $3.5 million. Our effective tax rate (income tax expense as a percentage of income before taxes) for the quarters ended June 30, 2019 and 2018 was 18.0% and 20.9%, respectively, and for the six months ended June 30, 2019 and 2018 were 18.2% and 20.5%, respectively. A reconciliation between the statutory income tax rate and our effective income tax rate for the three and six months ended June 30, 2019 and 2018 is as follows:

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	For the Three Months Ended June 30,				For the Six Months Ended June 30,
	2019		2018		2019		2018
Dollars in thousands	Percent		Percent		Percent		Percent
Applicable statutory rate	21.0	%	21.0	%	21.0	%	21.0	%
Increase (decrease) in rate resulting from:
Tax-exempt interest and dividends, net	(1.9	)%	(3.2	)%	(2.2	)%	(2.9	)%
State income taxes, net of Federal income tax benefit	1.6	%	2.3	%	1.8	%	2.2	%
Low-income housing and rehabilitation tax credits	(0.9	)%	(1.2	)%	(0.7	)%	(1.1	)%
Other, net	(1.8	)%	2.0	%	(1.7	)%	1.3	%
Effective income tax rate	18.0	%	20.9	%	18.2	%	20.5	%

The components of applicable income tax expense for the three and six months ended June 30, 2019 and 2018 are as follows:

	For the Three Months Ended June 30,					For the Six Months Ended June 30,
Dollars in thousands	2019		2018			2019			2018
Current
Federal	$	1,596	$	1,464		$	3,247		$	3,217
State	206		233			470			510
	1,802		1,697			3,717			3,727
Deferred
Federal	68		(34		)	(206		)	(167		)
State	10		(5		)	(30		)	(26		)
	78		(39		)	(236		)	(193		)
Total	$	1,880	$	1,658		$	3,481		$	3,534

NOTE 18. REVENUE FROM CONTRACTS WITH CUSTOMERS

Interest income, loan fees, realized securities gains and losses, bank owned life insurance income and mortgage banking revenue are not in the scope of ASC Topic 606, Revenue from Contracts with Customers. With the exception of gains or losses on sales of foreclosed properties, all of our revenue from contracts with customers in the scope of ASC 606 is recognized within Noninterest Income in the Consolidated Statements of Income. Incremental costs of obtaining a contract are expensed when incurred when the amortization period is one year or less.

A description of our significant sources of revenue accounted for under ASC 606 follows:

Service fees on deposit accounts are fees we charge our deposit customers for transaction-based, account maintenance and overdraft services. Transaction-based fees, which are earned based on specific transactions or customer activity within a customer’s deposit account, are recognized at the time the related transaction or activity occurs, as it is at this point when we fulfill the customer’s request. Account maintenance fees, which relate primarily to monthly maintenance, are earned over the course of a month, representing the period over which Summit satisfied the performance obligation. Overdraft fees are recognized when the overdraft occurs. Service fees on deposit accounts are paid through a direct charge to the customer’s account.

Bank card revenue is comprised of interchange revenue and ATM fees. Interchange revenue is earned when Summit’s debit and credit cardholders conduct transactions through Mastercard and other payment networks. Interchange fees represent a percentage of the underlying cardholder’s transaction value and are generally recognized daily, concurrent with the transaction processing services provided to the cardholder. ATM fees are earned when a non-Summit cardholder uses a Summit ATM. ATM fees are recognized daily, as the related ATM transactions are settled.

Trust and wealth management fees consist of 1) trust fees and 2) commissions earned from an independent, third-party broker-dealer. We earn trust fees from our contracts with trust clients to administer or manage assets for investment. Trust fees are earned over time (generally monthly) as Summit provides the contracted services and are assessed based on the value of assets under management at each month-end. We earn commissions from investment brokerage services provided to our clients by an

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independent, third-party broker-dealer. We receive monthly commissions from the third-party broker-dealer based upon client activity for the previous month.

Insurance commissions principally consisted of commissions we earned as agents of insurers for selling group employee benefit and property and casualty insurance products to clients prior to May 1, 2019 (the sale date of SIS). Group employee benefit insurance commissions were recognized over time (generally monthly) as the related customary implied servicing obligations of group policyholders were fulfilled. Property and casualty insurance commissions were recognized using methods which approximated the time of placement of the underlying policy. We were paid insurance commissions ratably as the related policy premiums were paid by clients.

The following table illustrates our total non-interest income segregated by revenues within the scope of ASC Topic 606 and those which are within the scope of other ASC Topics: 

	Three Months Ended June 30,				Six Months Ended June 30,
Dollars in thousands	2019		2018		2019		2018
Service fees on deposit accounts	$	1,224	$	1,116	$	2,405	$	2,207
Bank card revenue	893		801		1,707		1,550
Trust and wealth management fees	612		672		1,198		1,339
Insurance commissions	606		1,013		1,780		2,126
Other	70		58		158		137
Net revenue from contracts with customers	3,405		3,660		7,248		7,359
Non-interest income within the scope of other ASC topics	3,405		488		3,792		1,664
Total noninterest income	$	6,810	$	4,148	$	11,040	$	9,023

Gain or loss on sale of foreclosed properties is recorded when control of the property transfers to the buyer, which generally occurs at the time of transfer of the deed. If Summit finances the sale of a foreclosed property to the buyer, we assess whether the buyer is committed to perform their obligations under the contract and whether collectability of the transaction price is probable. Once these criteria are met, the foreclosed property is derecognized and the gain or loss on sale is recorded upon transfer of control of the property to the buyer. For the three months ended June 30, 2019 and June 30, 2018, net losses on sales of foreclosed properties were $(156,000) and $(58,000), respectively. For the six months ended June 30, 2019 and June 30, 2018, net (losses)/gains on sales of foreclosed properties were $(158,000) and $6,000, respectively.

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Item 2. Management's Discussion and Analysis of Financial Condition and Results of Operations

INTRODUCTION

The following discussion and analysis focuses on significant changes in our financial condition and results of operations of Summit Financial Group, Inc. (“Company” or “Summit”) and its operating subsidiaries, Summit Community Bank (“Summit Community”) and Summit Insurance Services, LLC, for the periods indicated.   This discussion and analysis should be read in conjunction with our 2018 audited financial statements and Annual Report on Form 10-K.

The Private Securities Litigation Act of 1995 indicates that the disclosure of forward-looking information is desirable for investors and encourages such disclosure by providing a safe harbor for forward-looking statements by us.  Our following discussion and analysis of financial condition and results of operations contains certain forward-looking statements that involve risk and uncertainty.  In order to comply with the terms of the safe harbor, we note that a variety of factors could cause our actual results and experience to differ materially from the anticipated results or other expectations expressed in those forward-looking statements.

OVERVIEW

On January 1, 2019, we acquired Peoples Bankshares, Inc. ("PBI") and its subsidiary, First Peoples Bank, Inc., headquartered in Mullens, West Virginia. PBI's results are included in our financial statements from the acquisition date forward, impacting comparisons to the prior-year first quarter period. On May 1, 2019, we sold our insurance agency, Summit Insurance Services, LLC ("SIS"). Accordingly, their results are included in our financial statements only until date of sale, impacting comparisons to the prior-year three and six months ended June 30 and the linked quarter.

Our primary source of income is net interest income from loans and deposits.  Business volumes tend to be influenced by the overall economic factors including market interest rates, business spending, and consumer confidence, as well as competitive conditions within the marketplace.

Primarily due to our PBI acquisition and organic loan growth, average interest earning assets increased by 5.88% for the first six months in 2019 compared to the same period of 2018 while our net interest earnings on a tax equivalent basis increased 9.12%.  Our tax equivalent net interest margin increased 11 basis points as our yield on interest earning assets increased 34 basis points while our cost of interest bearing funds increased 31 basis points.

CRITICAL ACCOUNTING POLICIES

Our consolidated financial statements are prepared in accordance with accounting principles generally accepted in the United States of America and follow general practices within the financial services industry.  Application of these principles requires us to make estimates, assumptions and judgments that affect the amounts reported in our financial statements and accompanying notes.  These estimates, assumptions and judgments are based on information available as of the date of the financial statements; accordingly, as this information changes, the financial statements could reflect different estimates, assumptions and judgments.  Certain policies inherently have a greater reliance on the use of estimates, assumptions and judgments and as such have a greater possibility of producing results that could be materially different than originally reported.

Our most significant accounting policies are presented in the notes to the consolidated financial statements of our 2018 Annual Report on Form 10-K.  These policies, along with the other disclosures presented in the financial statement notes and in this financial review, provide information on how significant assets and liabilities are valued in the financial statements and how those values are determined.

Based on the valuation techniques used and the sensitivity of financial statement amounts to the methods, assumptions and estimates underlying those amounts, we have identified the determination of the allowance for loan losses, the valuation of goodwill, fair value measurements and accounting for acquired loans to be the accounting areas that require the most subjective or complex judgments and as such could be most subject to revision as new information becomes available.

For additional information regarding critical accounting policies, refer to Critical Accounting Policies section in Management’s Discussion and Analysis of Financial Condition and Results of Operations included in the 2018 Form 10-K. There have been no significant changes in our application of critical accounting policies since December 31, 2018.

43

RESULTS OF OPERATIONS

Earnings Summary

Net income for the six months ended June 30, 2019 increased to $15.7 million or $1.23 per diluted share from $13.7 million or $1.10 per diluted share for the same period of 2018. Net income for the three months ended June 30, 2019 was $8.6 million, or $0.68 per diluted share, compared to $6.3 million, or $0.51 per diluted share for the same period of 2018. The increased earnings for the six and three months ended June 30, 2019 were primarily attributable to increased net interest income, larger gains on sales of securities, a $1.9 million pre-tax gain on sale of our insurance agency, SIS, in second quarter while being negatively impacted by generally higher operating expenses due to the PBI acquisition and larger writedowns on foreclosed properties. Returns on average equity and assets for the first six months of 2019 were 13.46% and 1.39%, respectively, compared with 13.43% and 1.29% for the same period of 2018.

PBI’s results of operations are included in our consolidated results of operations from the date of acquisition, and therefore our three months ended June 30, 2019 results reflect increased levels of average balances, income and expense as compared to the same period of 2018 results. At consummation (prior to fair value acquisition adjustments), PBI had total assets of $133.1 million, net loans of $42.4 million, and deposits of $112.1 million. Also impacting comparability of results is the sale of SIS. Their results are included in our financial statements only until date of sale, impacting comparisons to the prior-year three and six months ended June 30 and the linked quarter, however, historically SIS's results of operations accounted for less than $0.01 per share of the company's quarterly earnings.

Net Interest Income

Net interest income is the principal component of our earnings and represents the difference between interest and fee income generated from earning assets and the interest expense paid on deposits and borrowed funds.  Fluctuations in interest rates as well as changes in the volume and mix of earning assets and interest bearing liabilities can materially impact net interest income.

Q2 2019 compared to Q1 2019

For the quarter ended June 30, 2019, our net interest income on a fully taxable-equivalent basis increased $666,000 to $19.52 million compared to $18.85 million for the quarter end March 31, 2019. Our taxable-equivalent earnings on interest earning assets increased $989,000, while the cost of interest bearing liabilities increased $323,000 (see Tables I and II).

For the three months ended June 30, 2019 average interest earning assets increased to $2.11 billion compared to $2.09 billion for the three months ended March 31, 2019, while average interest bearing liabilities increased to $1.76 billion for the three months ended June 30, 2019 from $1.74 billion for the three months ended March 31, 2019.

For the quarter ended June 30, 2019, our net interest margin increased to 3.72%, compared to 3.66% for the linked quarter, as the yields on earning assets increased 9 basis points, while the cost of our interest bearing funds increased by 3 basis points. At acquisition, PBI's deposit costs were significantly lower than Summit's cost of deposits, thus substantially offsetting the increase in market rates during 2019.

Excluding the impact of accretion and amortization of fair value acquisition accounting adjustments related to the interest earning assets and interest bearing liabilities acquired by merger, Summit's net interest margin was 3.62% and 3.64% for the three months ended June 30, 2019 and March 31, 2019.

Q2 2019 compared to Q2 2018

For the quarter ended June 30, 2019, our net interest income on a fully taxable-equivalent basis increased $1.92 million to $19.52 million compared to $17.60 million for the quarter end June 30, 2018. Our taxable-equivalent earnings on interest earning assets increased $3.4 million, while the cost of interest bearing liabilities increased $1.5 million (see Tables I and II).

For the three months ended June 30, 2019 average interest earning assets increased 6.8% to $2.11 billion compared to $1.97 billion for the three months ended June 30, 2018, while average interest bearing liabilities increased 5.5% from $1.67 billion for the three months ended June 30, 2018 to $1.76 billion for the three months ended June 30, 2019.

44

For the quarter ended June 30, 2019, our net interest margin increased to 3.72%, compared to 3.58% for the same period of 2018, as the yields on earning assets increased 34 basis points, while the cost of our interest bearing funds increased by 26 basis points.

Excluding the impact of accretion and amortization of fair value acquisition accounting adjustments related to the interest earning assets and interest bearing liabilities acquired by merger, Summit's net interest margin was 3.56% for the three months ended June 30, 2018.

45

Table I - Average Balance Sheet and Net Interest Income Analysis
	For the Quarter Ended
	June 30, 2019							March 31, 2019							June 30, 2018
Dollars in thousands	Average Balance			Earnings/ Expense		Yield/ Rate		Average Balance			Earnings/ Expense		Yield/ Rate		Average Balance			Earnings/ Expense		Yield/ Rate
Interest earning assets
Loans, net of unearned fees (1)
Taxable	$	1,749,032		$	24,184	5.55	%	$	1,712,286		$	22,907	5.43	%	$	1,618,726		$	20,820	5.16	%
Tax-exempt (2)	14,695			213		5.81	%	14,907			184		5.01	%	15,800			180		4.57	%
Securities
Taxable	203,049			1,607		3.17	%	195,932			1,687		3.49	%	160,632			1,240		3.10	%
Tax-exempt (2)	100,307			999		3.99	%	114,831			1,139		4.02	%	136,984			1,346		3.94	%
Federal funds sold and interest bearing deposits with other banks	38,214			134		1.41	%	51,187			230		1.82	%	38,936			134		1.38	%
Total interest earning assets	2,105,297			27,137		5.17	%	2,089,143			26,147		5.08	%	1,971,078			23,720		4.83	%
Noninterest earning assets
Cash & due from banks	14,124							12,825							9,100
Premises and equipment	41,318							38,404							35,721
Property held for sale	23,149							21,386							21,435
Other assets	86,493							91,954							86,638
Allowance for loan losses	(13,260		)					(13,309		)					(12,541		)
Total assets	$	2,257,121						$	2,240,403						$	2,111,431
Interest bearing liabilities
Interest bearing demand deposits	$	575,240		$	1,731	1.21	%	$	556,766		$	1,663	1.21	%	$	457,016		$	901	0.79	%
Savings deposits	305,342			921		1.21	%	310,848			898		1.17	%	332,809			798		0.96	%
Time deposits	673,272			3,315		1.97	%	654,404			3,003		1.86	%	640,626			2,610		1.63	%
Short-term borrowings	187,120			1,397		2.99	%	200,297			1,472		2.98	%	187,475			1,242		2.66	%
Long-term borrowings and capital trust securities	20,317			255		5.03	%	20,321			259		5.17	%	52,147			573		4.40	%
Total interest bearing liabilities	1,761,291			7,619		1.73	%	1,742,636			7,295		1.70	%	1,670,073			6,124		1.47	%
Noninterest bearing liabilities and shareholders' equity
Demand deposits	241,811							248,354							219,134
Other liabilities	19,750							18,322							15,608
Total liabilities	2,022,852							2,009,312							1,904,815
Shareholders' equity	234,269							231,091							206,616
Total liabilities and shareholders' equity	$	2,257,121						$	2,240,403						$	2,111,431
Net interest earnings				$	19,518						$	18,852						$	17,596
Net yield on interest earning assets						3.72	%						3.66	%						3.58	%

(1) - For purposes of this table, nonaccrual loans are included in average loan balances.

(2) - Interest income on tax-exempt securities and loans has been adjusted assuming a Federal tax rate of 21% for all periods presented. The tax equivalent adjustment resulted in an increase in interest income of $255,000, $279,000, and $321,000 for the three months ended June 30, 2019, March 31, 2019 and June 30, 2018, respectively.

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Table II - Changes in Net Interest Income Attributable to Rate and Volume
	For the Quarter Ended									For the Quarter Ended
	June 30, 2019 vs. March 31, 2019									June 30, 2019 vs. June 30, 2018
	Increase (Decrease) Due to Change in:									Increase (Decrease) Due to Change in:
Dollars in thousands	Volume			Rate			Net			Volume			Rate		Net
Interest earned on:
Loans
Taxable	$	628		$	649		$	1,277		$	1,741		$	1,623	$	3,364
Tax-exempt	(3		)	32			29			(14		)	47		33
Securities
Taxable	66			(147		)	(81		)	334			32		366
Tax-exempt	(133		)	(7		)	(140		)	(365		)	18		(347		)
Federal funds sold and interest bearing deposits with other banks	(51		)	(45		)	(96		)	(2		)	2		—
Total interest earned on interest earning assets	507			482			989			1,694			1,722		3,416
Interest paid on:
Interest bearing demand deposits	72			(4		)	68			273			557		830
Savings deposits	(13		)	36			23			(70		)	193		123
Time deposits	100			211			311			138			566		704
Short-term borrowings	(83		)	8			(75		)	(2		)	157		155
Long-term borrowings and capital trust securities	—			(4		)	(4		)	(390		)	72		(318		)
Total interest paid on interest bearing liabilities	76			247			323			(51		)	1,545		1,494
Net interest income	$	431		$	235		$	666		$	1,745		$	177	$	1,922

47

Table III - Average Balance Sheet and Net Interest Income Analysis
	For the Six Months Ended
	June 30, 2019							June 30, 2018
Dollars in thousands	Average Balance			Earnings/ Expense		Yield/ Rate		Average Balance			Earnings/ Expense		Yield/ Rate
Interest earning assets
Loans, net of unearned fees (1)
Taxable	$	1,730,801		$	47,090	5.49	%	$	1,615,289		$	41,043	5.12	%
Tax-exempt (2)	14,801			397		5.41	%	16,052			362		4.55	%
Securities
Taxable	199,759			3,292		3.32	%	176,091			2,612		2.99	%
Tax-exempt (2)	107,586			2,138		4.01	%	134,658			2,635		3.95	%
Federal funds sold and interest bearing deposits with other banks	44,910			365		1.64	%	39,294			274		1.41	%
Total interest earning assets	2,097,857			53,282		5.12	%	1,981,384			46,926		4.78	%
Noninterest earning assets
Cash & due from banks	13,005							9,528
Premises and equipment	39,877							35,156
Property held for sale	22,272							21,381
Other assets	89,062							86,222
Allowance for loan losses	(13,287		)					(12,639		)
Total assets	$	2,248,786						$	2,121,032
Interest bearing liabilities
Interest bearing demand deposits	$	566,183		$	3,395	1.21	%	$	440,149		$	1,533	0.7	%
Savings deposits	307,990			1,819		1.19	%	339,546			1,515		0.9	%
Time deposits	663,853			6,317		1.92	%	631,634			4,810		1.54	%
Short-term borrowings	193,672			2,869		2.99	%	215,425			2,648		2.48	%
Long-term borrowings and capital trust securities	20,319			514		5.10	%	58,706			1,258		4.32	%
Total interest bearing liabilities	1,752,017			14,914		1.72	%	1,685,460			11,764		1.41	%
Noninterest bearing liabilities and shareholders' equity
Demand deposits	244,984							215,031
Other liabilities	19,096							16,188
Total liabilities	2,016,097							1,916,679
Shareholders' equity - common	232,689							204,353
Total liabilities and shareholders' equity	$	2,248,786						$	2,121,032
Net interest earnings				$	38,368						$	35,162
Net yield on interest earning assets						3.69	%						3.58	%

(1) - For purposes of this table, nonaccrual loans are included in average loan balances.

(2) - Interest income on tax-exempt securities and loans has been adjusted assuming a Federal tax rate of 21%. The tax equivalent adjustment resulted in an increase in interest income of $532,000 and $629,000 for the six months ended June 30, 2019 and 2018, respectively.

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Table IV - Changes in Net Interest Income Attributable to Rate and Volume
	For the Six Months Ended
	June 30, 2019 versus June 30, 2018
	Increase (Decrease) Due to Change in:
Dollars in thousands	Volume			Rate			Net
Interest earned on:
Loans
Taxable	$	3,039		$	3,008		$	6,047
Tax-exempt	(30		)	65			35
Securities
Taxable	372			308			680
Tax-exempt	(538		)	41			(497		)
Federal funds sold and interest bearing deposits with other banks	42			49			91
Total interest earned on interest earning assets	2,885			3,471			6,356
Interest paid on:
Interest bearing demand deposits	529			1,333			1,862
Savings deposits	(151		)	455			304
Time deposits	255			1,252			1,507
Short-term borrowings	(285		)	506			221
Long-term borrowings and capital trust securities	(939		)	195			(744		)
Total interest paid on interest bearing liabilities	(591		)	3,741			3,150
Net interest income	$	3,476		$	(270	)	$	3,206

Noninterest Income

On May 1, 2019, we sold our insurance agency, Summit Insurance Services, LLC which resulted in a pre-tax gain of $1.91 million. Total noninterest income for the six months ended June 30, 2019 increased 22.4% compared to same period in 2018 principally due to the realized gain on sale of SIS. On a quarterly basis, total noninterest income was 64.2% higher in 2019 compared to 2018 due to higher realized gains on sales of securities and the gain on sale of SIS. Both 2019 periods were negatively impacted by lower insurance commissions due to the sale of SIS. Further detail regarding noninterest income is reflected in the following table.

Table V - Noninterest Income
	For the Quarter Ended June 30,				For the Six Months Ended June 30,
Dollars in thousands	2019		2018		2019		2018
Insurance commissions	$	606	$	1,013	$	1,780	$	2,126
Trust and wealth management fees	612		672		1,198		1,339
Service charges on deposit accounts	1,224		1,116		2,405		2,207
Bank card revenue	893		801		1,707		1,550
Realized securities gains	1,086		87		1,082		819
Gain on sale of Summit Insurance Services, LLC	1,906		—		1,906		—
Bank owned life insurance income	248		249		486		523
Other	235		210		476		459
Total	$	6,810	$	4,148	$	11,040	$	9,023

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Noninterest Expense

Total noninterest expense increased 20.4% for the quarter ended June 30, 2019 compared to the quarter ended June 30, 2018 and increased 16.5% for the six months ended June 30, 2019, as compared to the same period in 2018 with foreclosed properties expense and higher salaries, commissions, and employee benefits having the largest negative impacts and fewer FDIC premiums during 2019 having the largest positive impact.  Table VI below shows the breakdown of the changes.

Table VI - Noninterest Expense
	For the Quarter Ended June 30,									For the Six Months Ended June 30,
			Change									Change
Dollars in thousands	2019		$			%		2018		2019		$			%		2018
Salaries, commissions, and employee benefits	$	7,576	$	654		9.4	%	$	6,922	$	14,923	$	1,179		8.6	%	$	13,744
Net occupancy expense	880		40			4.8	%	840		1,803		131			7.8	%	1,672
Equipment expense	1,219		148			13.8	%	1,071		2,398		245			11.4	%	2,153
Professional fees	475		90			23.4	%	385		878		159			22.1	%	719
Advertising and public relations	155		(33		)	(17.6	)%	188		308		17			5.8	%	291
Amortization of intangibles	420		7			1.7	%	413		897		49			5.8	%	848
FDIC premiums	88		(152		)	(63.3	)%	240		88		(392		)	(81.7	)%	480
Bank card expense	473		112			31.0	%	361		911		215			30.9	%	696
Foreclosed properties expense, net of losses	1,545		1,195			341.4	%	350		1,930		1,255			185.9	%	675
Merger-related expenses	382		382			(100.0	)%	—		445		445			N/A		—
Other	2,116		151			7.7	%	1,965		4,608		837			22.2	%	3,771
Total	$	15,329	$	2,594		20.4	%	$	12,735	$	29,189	$	4,140		16.5	%	$	25,049

Salaries, commissions, and employee benefits: The increases in these expenses in the three months and six months ended June 30, 2019 compared to the same periods of 2018 are primarily due to an increase in number of employees, resulting from the PBI acquisition, and general merit raises.

Net occupancy expense: The increase in net occupancy expense for the three and six months ended June 30, 2019 is primarily due to the acquired PBI locations.

Equipment: The increase in equipment expense is primarily increased depreciation and amortization related to various technological upgrades, both hardware and software, made during the past two years and also the PBI acquisition.

Foreclosed properties expense, net of losses: During second quarter 2019, we recorded higher writedowns of foreclosed properties with the goal of selling such properties more rapidly.

Other: The increase in other expenses for the six months ended June 30, 2019 is largely due to a $448,000 increase in deferred director compensation plan expenses. Under the plan, the directors optionally defer their director fees into a "phantom" investment plan whereby the company recognizes expense or benefit relative to the phantom returns or losses of such investments. As result of the stock market’s exceptionally robust performance during Q1 2019, we recognized significantly greater quarterly deferred director compensation expense thus far in 2019 than we have ever recognized previously.

Income Taxes

Our income tax expense for the three months ended June 30, 2019 and June 30, 2018 totaled $1.9 million and $1.7 million, respectively. For the six months ended June 30, 2019 and June 30, 2018 our income tax expense totaled $3.48 million and $3.53 million, respectively. Our effective tax rate (income tax expense as a percentage of income before taxes) for the quarters ended June 30, 2019 and 2018 was 18.0% and 20.9%, respectively and for the six months ended June 30, 2019 and June 30, 2018 was 18.2% and 20.5%. Refer to Note 17 of the accompanying financial statements for further information regarding our income taxes.

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Credit Experience

For purposes of this discussion, nonperforming assets include foreclosed properties, other repossessed assets, and nonperforming loans, which is comprised of loans 90 days or more past due and still accruing interest and nonaccrual loans. Performing TDRs are excluded from nonperforming loans.

The provision for loan losses represents charges to earnings necessary to maintain an adequate allowance for probable credit losses inherent in the loan portfolio. Our determination of the appropriate level of the allowance is based on an ongoing analysis of credit quality and loss potential in the loan portfolio, change in the composition and risk characteristics of the loan portfolio, and the anticipated influence of national and local economic conditions.  The adequacy of the allowance for loan losses is reviewed quarterly and adjustments are made as considered necessary.

We recorded $550,000 and $1,250,000 provisions for loan losses for the first six months of 2019 and 2018. The decrease is primarily dueto more favorable asset quality indicators.

As illustrated in Table VII below, our non-performing assets have decreased since year end 2018.

Table VII - Summary of Non-Performing Assets
	June 30,						December 31,
Dollars in thousands	2019			2018			2018
Accruing loans past due 90 days or more	$	208		$	317		$	36
Nonaccrual loans
Commercial	948			954			935
Commercial real estate	6,544			3,238			3,238
Commercial construction and development	—			—			—
Residential construction and development	66			3,233			3,198
Residential real estate	5,517			7,957			7,506
Consumer	92			77			112
Other	100			—			—
Total nonaccrual loans	13,267			15,459			14,989
Foreclosed properties
Commercial	—			—			—
Commercial real estate	1,544			1,818			1,762
Commercial construction and development	4,910			6,815			6,479
Residential construction and development	13,132			11,517			11,543
Residential real estate	1,804			1,456			1,648
Total foreclosed properties	21,390			21,606			21,432
Repossessed assets	12			12			5
Total nonperforming assets	$	34,877		$	37,394		$	36,462
Total nonperforming loans as a percentage of total loans	0.74		%	0.97		%	0.89		%
Total nonperforming assets as a percentage of total assets	1.52		%	1.77		%	1.66		%
Allowance for loan losses as a percentage of nonperforming loans	97.60		%	79.74		%	86.84		%
Allowance for loan losses as a percentage of period end loans	0.72		%	0.77		%	0.77		%

The following table details the activity regarding our foreclosed properties for the three and six months ended June 30, 2019 and 2018.

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Table VIII - Foreclosed Property Activity
	For the Three Months Ended   June 30,						For the Six Months Ended   June 30,
Dollars in thousands	2019			2018			2019			2018
Beginning balance	$	24,393		$	21,442		$	21,432		$	21,470
Acquisitions	247			262			3,903			903
Improvements	32			694			33			795
Disposals	(2,086		)	(629		)	(2,533		)	(1,142		)
Writedowns to fair value	(1,196		)	(163		)	(1,445		)	(420		)
Balance June 30	$	21,390		$	21,606		$	21,390		$	21,606

Refer to Note 6 of the accompanying consolidated financial statements for information regarding our past due loans, impaired loans, nonaccrual loans, and troubled debt restructurings and to Note 8 of the notes to the consolidated financial statements of our 2018 Annual Report on Form 10-K for a summary of the methodology we employ on a quarterly basis to evaluate the overall adequacy of our allowance for loan losses.

Substantially all of our nonperforming loans are secured by real estate. The majority of these loans were underwritten in accordance with our loan-to-value policy guidelines which range from 70-85% at the time of origination. The fair values of the underlying collateral value or the discounted cash flows remain in excess of the recorded investment in many of our nonperforming loans and therefore, no specific reserve allocation is required.

At June 30, 2019 and December 31, 2018, our allowance for loan losses totaled $13.2 million, or 0.72% of total loans and $13.0 million, or 0.77% of total loans. The allowance for loan losses is considered adequate to cover our current estimate of probable credit losses inherent in our loan portfolio.

At June 30, 2019 and December 31, 2018 we had approximately $21.4 million and $21.4 million in foreclosed properties which were obtained as the result of foreclosure proceedings.  Although foreclosed property is recorded at fair value less estimated costs to sell, the prices ultimately realized upon their sale may or may not result in us recognizing additional gains or losses.

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FINANCIAL CONDITION

Our total assets were $2.30 billion at June 30, 2019 and $2.20 billion at December 31, 2018.  Table IX below is a summary of significant changes in our financial position between December 31, 2018 and June 30, 2019.

Table IX - Summary of Significant Changes in Financial Position
			Increase (Decrease)
	Balance December 31,		Impact of PBI Acquisition		Other Changes			Balance June 30,
Dollars in thousands	2018							2019
Assets
Cash and cash equivalents	$	59,540	$	33,329	$	(36,394	)	$	56,475
Securities available for sale	293,147		55,113		(78,340		)	269,920
Other investments	16,635		72		(2,469		)	14,238
Loans, net	1,682,005		41,398		82,447			1,805,850
Property held for sale	21,432		—		(42		)	21,390
Premises and equipment	37,553		815		4,528			42,896
Goodwill and other intangibles	25,842		3,983		(6,240		)	23,585
Cash surrender value of life insurance policies	42,386		—		590			42,976
Other assets	22,046		939		(1,200		)	21,785
Total Assets	$	2,200,586	$	135,649	$	(37,120	)	$	2,299,115
Liabilities
Deposits	$	1,634,826	$	112,379	$	50,288		$	1,797,493
Short-term borrowings	309,084		—		(83,741		)	225,343
Long-term borrowings	735		—		(9		)	726
Subordinated debentures owed to unconsolidated subsidiary trusts	19,589		—		—			19,589
Other liabilities	16,522		1,533		2,207			20,262
Shareholders' Equity	219,830		21,737		(5,866		)	235,701
Total liabilities and shareholders' equity	$	2,200,586	$	135,649	$	(37,121	)	$	2,299,114

The following is a discussion of the significant changes in our financial position during the first six months of 2019:

Cash and cash equivalents: Net reduction of $36.4 million is primarily attributable to repayments of short-term Federal Home Loan Bank ("FHLB") advances and the cash consideration of $12.7 million paid in conjunction with the PBI acquisition.

Securities available for sale: The net decrease of $78.3 million in securities available for sale is principally a result of sales of the acquired PBI securities portfolio and the sales of a portion of our tax-exempt municipals securities, whose proceeds were used to pay down short-term FHLB advances and fund loan growth.

Loans: Excluding mortgage warehouse lines of credit, loans grew $61.5 million during the first six months of 2019, primarily in the commercial, construction, and residential real estate portfolios.

Deposits: During the first six months of 2019, interest bearing checking deposits grew $47.0 million, Direct CDs grew $9.1 million, retail CDs increased $15.2 million while noninterest bearing checking decreased $10.9 million and saving deposits decreased $13.9 million.

Short-term borrowings: The net decrease in short-term borrowings was attributable to repayments of short-term FHLB advances primarily using cash acquired in conjunction with PBI acquisition, proceeds from sales of securities, and increased deposits.

Shareholders' equity: Changes in shareholders' equity are a result of net income, other comprehensive income and dividends.

53

Refer to Notes 5, 6, 9, and 10 of the notes to the accompanying consolidated financial statements for additional information with regard to changes in the composition of our securities, loans, deposits and borrowings between June 30, 2019 and December 31, 2018.

LIQUIDITY AND CAPITAL RESOURCES

Liquidity reflects our ability to ensure the availability of adequate funds to meet loan commitments and deposit withdrawals, as well as provide for other transactional requirements.  Liquidity is provided primarily by funds invested in cash and due from banks (net of float and reserves), Federal funds sold, non-pledged securities, and available lines of credit with the Federal Home Loan Bank of Pittsburgh (“FHLB”) and Federal Reserve Bank of Richmond, which totaled approximately $966 million or 42.01% of total consolidated assets at June 30, 2019.

Our liquidity strategy is to fund loan growth with deposits and other borrowed funds while maintaining an adequate level of short- and medium-term investments to meet normal daily loan and deposit activity.  As a member of the FHLB, we have access to approximately $818 million.  As of June 30, 2019 and December 31, 2018, these advances totaled approximately $226 million and $304 million, respectively.  At June 30, 2019, we had additional borrowing capacity of $592 million through FHLB programs.  We have established a line with the Federal Reserve Bank to be used as a contingency liquidity vehicle.  The amount available on this line at June 30, 2019 was approximately $153 million, which is secured by a pledge of certain consumer and our commercial and industrial loan portfolios.  We have a $6 million unsecured line of credit with a correspondent bank.  Also, we classify all of our securities as available for sale to enable us to liquidate them if the need arises.

Liquidity risk represents the risk of loss due to the possibility that funds may not be available to satisfy current or future commitments based on external market issues, customer or creditor perception of financial strength, and events unrelated to Summit such as war, terrorism, or financial institution market specific issues.  The Asset/Liability Management Committee (“ALCO”), comprised of members of senior management and certain members of the Board of Directors, oversees our liquidity risk management process.   The ALCO develops and recommends policies and limits governing our liquidity to the Board of

Directors for approval with the objective of ensuring that we can obtain cost-effective funding to meet current and future obligations, as well as maintain sufficient levels of on-hand liquidity, under both normal and “stressed” circumstances.

We continuously monitor our liquidity position to ensure that day-to-day as well as anticipated funding needs are met.  We are not aware of any trends, commitments, events or uncertainties that have resulted in or are reasonably likely to result in a material change to our liquidity.

One of our continuous goals is maintenance of a strong capital position.  Through management of our capital resources, we seek to provide an attractive financial return to our shareholders while retaining sufficient capital to support future growth.  Shareholders’ equity at June 30, 2019 totaled $235.7 million compared to $219.8 million at December 31, 2018.

Refer to Note 13 of the notes to the accompanying consolidated financial statements for additional information regarding regulatory restrictions on our capital as well as our subsidiaries’ capital.

CONTRACTUAL CASH OBLIGATIONS

During our normal course of business, we incur contractual cash obligations.  The following table summarizes our contractual cash obligations at June 30, 2019.

Table X - Contractual Cash Obligations
Dollars in thousands	Long Term Debt		Capital Trust Securities		Operating Leases
2019	$	9	$	—	$	115
2020	18		—		92
2021	20		—		71
2022	21		—		73
2023	22		—		53
Thereafter	636		19,589		75
Total	$	726	$	19,589	$	479

54

OFF-BALANCE SHEET ARRANGEMENTS

We are involved with some off-balance sheet arrangements that have or are reasonably likely to have an effect on our financial condition, liquidity, or capital.  These arrangements at June 30, 2019 are presented in the following table.

Table XI - Off-Balance Sheet Arrangements	June 30,
Dollars in thousands	2019
Commitments to extend credit:
Revolving home equity and credit card lines	$	69,381
Construction loans	127,139
Other loans	163,887
Standby letters of credit	5,784
Total	$	366,191

55

Item 3. Quantitative and Qualitative Disclosures about Market Risk

Market Risk Management

Market risk is the risk of loss arising from adverse changes in the fair value of financial instruments due to changes in interest rates, exchange rates and equity prices.  Interest rate risk is our primary market risk and results from timing differences in the repricing of assets, liabilities and off-balance sheet instruments, changes in relationships between rate indices and the potential exercise of imbedded options.  The principal objective of asset/liability management is to minimize interest rate risk and our actions in this regard are taken under the guidance of our Asset/Liability Management Committee (“ALCO”), which is comprised of members of senior management and members of the Board of Directors.  The ALCO actively formulates the economic assumptions that we use in our financial planning and budgeting process and establishes policies which control and monitor our sources, uses and prices of funds.

Some amount of interest rate risk is inherent and appropriate to the banking business.  Our net income is affected by changes in the absolute level of interest rates.  Our interest rate risk position is well-matched over the near-term. That is, absent any changes in the volumes of our interest earning assets or interest bearing liabilities, assets are likely to reprice faster than liabilities, resulting in an increase in net income in a rising rate environment.  Net income would decrease in a falling interest rate environment.  Net income is also subject to changes in the shape of the yield curve.  In general, a flattening yield curve would decrease our earnings due to the compression of earning asset yields and funding rates, while a steepening would increase earnings as margins widen.

Several techniques are available to monitor and control the level of interest rate risk.  We primarily use earnings simulations modeling to monitor interest rate risk.  The earnings simulation model forecasts the effects on net interest income under a variety of interest rate scenarios that incorporate changes in the absolute level of interest rates and changes in the shape of the yield curve.  Each increase or decrease in interest rates is assumed to gradually take place over the next 12 months, and then remain stable, except for the up 400 scenario, which assumes a gradual increase in rates over 24 months.  Assumptions used to project yields and rates for new loans and deposits are derived from historical analysis.  Securities portfolio maturities and prepayments are reinvested in like instruments.  Mortgage loan prepayment assumptions are developed from industry estimates of prepayment speeds.  Noncontractual deposit repricings are modeled on historical patterns.

The following table presents the estimated sensitivity of our net interest income to changes in interest rates, as measured by our earnings simulation model as of June 30, 2019.  The sensitivity is measured as a percentage change in net interest income given the stated changes in interest rates (gradual change over 12 months, stable thereafter for the down 100 and the up 200 scenarios, and gradual change over 24 months for the up 400 scenario) compared to net interest income with rates unchanged in the same period.  The estimated changes set forth below are dependent on the assumptions discussed above.

	Estimated % Change in Net Interest Income over:
Change in	0 - 12 Months		13 - 24 Months
Interest Rates	Actual		Actual
Down 100  basis points (1)	0.44	%	2.82	%
Up 100 basis points (1)	-0.34	%	2.87	%
Up 200 basis points (1)	-0.22	%	3.01	%
(1) assumes a parallel shift in the yield curve over 12 months, with no change thereafter

56

Item 4. Controls and Procedures

Our management, including the Chief Executive Officer and Chief Financial Officer, has conducted as of June 30, 2019, an evaluation of the effectiveness of disclosure controls and procedures as defined in Exchange Act Rule 13a-15(e).  Based on that evaluation, the Chief Executive Officer and Chief Financial Officer concluded that the disclosure controls and procedures as of June 30, 2019 were effective.  There were no changes in our internal control over financial reporting that occurred during the quarter ended June 30, 2019 that have materially affected, or are reasonably likely to materially affect, our internal control over financial reporting.

57

Part II. Other Information

Item 1.  Legal Proceedings

Refer to Note 12 of the Notes to the Consolidated Financial Statements in Part I, Item 1 for information regarding legal proceedings not reportable under this Item.

Item 1A.  Risk Factors

In addition to the other information set forth in this report, you should carefully consider the factors discussed in Part I, “Item 1A. Risk Factors” in our Annual Report on Form 10-K for the year ended December 31, 2018.

Item 6. Exhibits

Exhibit 3.i	Amended and Restated Articles of Incorporation of Summit Financial Group, Inc.
Exhibit 3.ii	Articles of Amendment 2009
Exhibit 3.iii	Articles of Amendment 2011
Exhibit 3.iv	Amended and Restated By-Laws of Summit Financial Group, Inc.
Exhibit 11	Statement re: Computation of Earnings per Share – Information contained in Note 4 to the Consolidated Financial Statements on page 13 of this Quarterly Report is incorporated herein by reference.
Exhibit 31.1	Sarbanes-Oxley Act Section 302 Certification of Chief Executive Officer
Exhibit 31.2	Sarbanes-Oxley Act Section 302 Certification of Chief Financial Officer
Exhibit 32.1	Sarbanes-Oxley Act Section 906 Certification of Chief Executive Officer
Exhibit 32.2	Sarbanes-Oxley Act Section 906 Certification of Chief Financial Officer
Exhibit 101	Interactive Data File (XBRL)

58

EXHIBIT INDEX

Exhibit No.	Description	Page Number
(3)	Articles of Incorporation and By-laws:
	(i)  Amended and Restated Articles of Incorporation of Summit Financial Group, Inc.	(a)
	(ii)  Articles of Amendment 2009	(b)
	(iii)  Articles of Amendment 2011	(c)
	(iv)  Amended and Restated By-laws of Summit Financial Group, Inc.	(d)
11	Statement re:  Computation of Earnings per Share	15
31.1	Sarbanes-Oxley Act Section 302 Certification of Chief Executive Officer
31.2	Sarbanes-Oxley Act Section 302 Certification of Chief Financial Officer
32.1*	Sarbanes-Oxley Act Section 906 Certification of Chief Executive Officer
32.2*	Sarbanes-Oxley Act Section 906 Certification of Chief Financial Officer
101**	Interactive data file (XBRL)

*Furnished, not filed.

** As provided in Rule 406T of Regulation S-T, this information is furnished and not filed for purposes of Sections 11 and 12 of the Securities Act of 1933 and Section 18 of the Securities Exchange Act of 1934.

(a) Incorporated by reference to Exhibit 3.i of Summit Financial Group, Inc.’s filing on Form 10-Q dated March 31, 2006.

(b) Incorporated by reference to Exhibit 3.1 of Summit Financial Group, Inc.’s filing on Form 8-K dated September 30, 2009.

(c) Incorporated by reference to Exhibit 3.1 of Summit Financial Group, Inc.’s filing on Form 8-K dated November 3, 2011.

(d) Incorporated by reference to Exhibit 3.1 of Summit Financial Group, Inc.’s filing on Form 10-Q dated March 31, 2007.

59

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

		SUMMIT FINANCIAL GROUP, INC.
		(registrant)
		By:	/s/ H. Charles Maddy, III
			H. Charles Maddy, III,
			President and Chief Executive Officer
		By:	/s/ Robert S. Tissue
			Robert S. Tissue,
			Senior Vice President and Chief Financial Officer
		By:	/s/ Julie R. Markwood
			Julie R. Markwood,
			Vice President and Chief Accounting Officer
Date:	August 2, 2019

60

EX-31.1

Exhibit 31.1

SARBANES-OXLEY ACT SECTION 302

CERTIFICATION OF CHIEF EXECUTIVE OFFICER

I, H. Charles Maddy, III, certify that:

1. I have reviewed this quarterly report on Form 10-Q of Summit Financial Group, Inc.;

2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

4. The registrant’s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

a) Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;

b) Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

c) Evaluated the effectiveness of the registrant's disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

d) Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter (the registrant’s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and

5. The registrant's other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of registrant's board of directors (or persons performing the equivalent functions):

a) All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and

b) Any fraud, whether or not material, that involves management or other employees who have a significant role in registrant’s internal control over financial reporting.

		/s/ H. Charles Maddy, III
		H. Charles Maddy, III,
		President and Chief Executive Officer
Date:	August 2, 2019

EX-31.2

Exhibit 31.2

SARBANES-OXLEY ACT SECTION 302

CERTIFICATION OF CHIEF FINANCIAL OFFICER

I, Robert S. Tissue, certify that:

1. I have reviewed this quarterly report on Form 10-Q of Summit Financial Group, Inc.;

2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

4. The registrant’s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

a) Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;

b) Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

c) Evaluated the effectiveness of the registrant's disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

d) Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter (the registrant’s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and

5. The registrant's other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of registrant's board of directors (or persons performing the equivalent functions):

a) All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and

b) Any fraud, whether or not material, that involves management or other employees who have a significant role in registrant’s internal control over financial reporting.

		/s/ Robert S. Tissue
		Robert S. Tissue,
		Sr. Vice President and Chief Financial Officer
Date:	August 2, 2019

EX-32.1

Exhibit 32.1

SARBANES-OXLEY ACT SECTION 906

CERTIFICATION OF CHIEF EXECUTIVE OFFICER

In connection with this Quarterly Report of Summit Financial Group, Inc. ("Summit “) on Form 10-Q for the period ending June 30, 2019 as filed with the Securities and Exchange Commission on the date hereof (the "Report"), I, H. Charles Maddy, III, President and Chief Executive Officer of Summit, certify pursuant to 18 U.S.C. § 1350, as adopted pursuant to § 906 of the Sarbanes-Oxley Act of 2002, that:

(1) The Report fully complies with the requirements of section 13(a) or 15(d) of the Securities Exchange Act  of 1934; and

(2) The information contained in the Report fairly presents, in all material respects, the financial condition and result of operations of Summit.

		/s/ H. Charles Maddy, III
		H. Charles Maddy, III,
		President and Chief Executive Officer
Date:	August 2, 2019

The foregoing certification is being furnished solely pursuant to 18 U.S.C. § 1350 and is not being filed as part of the Report or as a separate disclosure document.

EX-32.2

Exhibit 32.2

SARBANES-OXLEY ACT SECTION 906

CERTIFICATION OF CHIEF FINANCIAL OFFICER

In connection with this Quarterly Report of Summit Financial Group, Inc. ("Summit “) on Form 10-Q for the period ending June 30, 2019 as filed with the Securities and Exchange Commission on the date hereof (the "Report"), I, Robert S. Tissue, Senior Vice President and Chief Financial Officer of Summit, certify pursuant to 18 U.S.C. § 1350, as adopted pursuant to § 906 of the Sarbanes-Oxley Act of 2002, that:

(1) The Report fully complies with the requirements of section 13(a) or 15(d) of the Securities Exchange Act  of 1934; and

(2) The information contained in the Report fairly presents, in all material respects, the financial condition and result of operations of Summit.

		/s/ Robert S. Tissue
		Robert S. Tissue,
		Sr. Vice President and Chief Financial Officer
Date:	August 2, 2019

The foregoing certification is being furnished solely pursuant to 18 U.S.C. § 1350 and is not being filed as part of the Report or as a separate disclosure document.

XML

Document And Entity Information - shares	6 Months Ended
	Jun. 30, 2019	Jul. 29, 2019
Document And Entity Information
Entity Registrant Name	SUMMIT FINANCIAL GROUP INC
Entity Central Index Key	0000811808
Current Fiscal Year End Date	--12-31
Entity Filer Category	Accelerated Filer
Document Type	10-Q
Document Period End Date	Jun. 30, 2019
Document Fiscal Year Focus	2019
Document Fiscal Period Focus	Q2
Amendment Flag	false
Entity Shell Company	false
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Common Stock, Shares Outstanding		12,509,810
Entity Current Reporting Status	Yes

XML

Consolidated Balance Sheets (unaudited) - USD ($) $ in Thousands	Jun. 30, 2019	Dec. 31, 2018	[1]
ASSETS
Cash and due from banks	$ 13,481	$ 23,061
Interest bearing deposits with other banks	42,994	36,479
Cash and cash equivalents	56,475	59,540
Debt Securities, Available-for-sale	269,920	293,147
Other investments	14,238	16,635
Loans held for sale	314	400
Loans and Leases Receivable, Net of Deferred Income	1,819,002	1,695,052
Loans and Leases Receivable, Allowance	(13,152)	(13,047)
Loans and Leases Receivable, Net Amount	1,805,850	1,682,005
Property held for sale	21,390	21,432
Premises and equipment, net	42,896	37,553
Accrued interest receivable	8,909	8,708
Goodwill and other intangible assets	23,585	25,842
Cash surrender value of life insurance policies	42,976	42,386
Other assets	12,561	12,938
Total assets	2,299,114	2,200,586
Deposits
Non interest bearing	234,397	222,120
Interest bearing	1,563,096	1,412,706
Total deposits	1,797,493	1,634,826
Short-term borrowings	225,343	309,084
Long-term borrowings	726	735
Subordinated debentures owed to unconsolidated subsidiary trusts	19,589	19,589
Other liabilities	20,262	16,522
Total liabilities	2,063,413	1,980,756
Commitments and Contingencies
Shareholders' Equity
Preferred Stock, Value, Issued	0	0
Common stock and related surplus, $2.50 par value; authorized 20,000,000 shares; issued: 2019 - 12,526,710 shares and 2018 - 12,399,887 shares; outstanding: 2019 - 12,449,986 shares and 2018 - 12,312,933	80,946	80,431
Unallocated common stock held by Employee Stock Ownership Plan - 2019 - 76,724 shares and 2018 - 86,954 shares	(828)	(939)
Retained earnings	153,362	141,354
Accumulated other comprehensive income (loss)	2,221	(1,016)
Total shareholders' equity	235,701	219,830
Total liabilities and shareholders' equity	$ 2,299,114	$ 2,200,586

[1] Derived from audited consolidated financial statements

XML

Consolidated Balance Sheets (unaudited) (Parenthetical) - $ / shares	Jun. 30, 2019	Dec. 31, 2018
Common stock, par value (in dollars per share)	$ 2.50	$ 2.50
Common stock, shares authorized	20,000,000	20,000,000
Common stock, shares issued	12,526,710	12,399,887
Common stock, shares outstanding	12,449,986	12,312,933
Preferred Stock, Par or Stated Value Per Share	$ 1	$ 1
Preferred Stock, Shares Authorized	250,000	250,000
Employee Stock Ownership Plan (ESOP), Number of Suspense Shares	76,724	86,954

XML

Consolidated Statements of Income (unaudited) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
Interest and fees on loans
Taxable	$ 24,184	$ 20,820	$ 47,090	$ 41,043
Tax-exempt	168	142	314	286
Interest and dividends on securities
Interest Income, Securities, Operating, Taxable	1,607	1,240	3,292	2,612
Interest Income, Securities, Operating, Tax Exempt	789	1,063	1,689	2,082
Interest on interest bearing deposits with other banks	134	134	365	274
Total interest income	26,882	23,399	52,750	46,297
Interest expense
Interest on deposits	5,967	4,309	11,531	7,858
Interest on short-term borrowings	1,397	1,242	2,869	2,648
Interest on long-term borrowings and subordinated debentures	255	573	514	1,258
Total interest expense	7,619	6,124	14,914	11,764
Net interest income	19,263	17,275	37,836	34,533
Provision for loan losses	300	750	550	1,250
Net interest income after provision for loan losses	18,963	16,525	37,286	33,283
Noninterest income
Insurance commissions	606	1,013	1,780	2,126
Realized securities gains, net	1,086	87	1,082	819
Gain (Loss) on Disposition of Business	1,906	0	1,906	0
Bank owned life insurance income	248	249	486	523
Other	235	210	476	459
Total noninterest income	6,810	4,148	11,040	9,023
Noninterest expenses
Salaries, commissions and employee benefits	7,576	6,922	14,923	13,744
Net occupancy expense	880	840	1,803	1,672
Equipment expense	1,219	1,071	2,398	2,153
Professional fees	475	385	878	719
Marketing and Advertising Expense	155	188	308	291
Amortization of intangibles	420	413	897	848
FDIC premiums	88	240	88	480
Bank card expense	473	361	911	696
Foreclosed properties expense, net of losses	1,545	350	1,930	675
Business Combination, Acquisition Related Costs	382	0	445	0
Other	2,116	1,965	4,608	3,771
Total noninterest expenses	15,329	12,735	29,189	25,049
Income before income tax expense	10,444	7,938	19,137	17,257
Income tax expense	1,880	1,658	3,481	3,534
Net income	$ 8,564	$ 6,280	$ 15,656	$ 13,723
Basic earnings per common share	$ 0.68	$ 0.51	$ 1.24	$ 1.11
Diluted earnings per common share	$ 0.68	$ 0.51	$ 1.23	$ 1.10
Fiduciary and Trust [Member]
Noninterest income
Revenue from Contract with Customer, Including Assessed Tax	$ 612	$ 672	$ 1,198	$ 1,339
Deposit Account [Member]
Noninterest income
Revenue from Contract with Customer, Including Assessed Tax	1,224	1,116	2,405	2,207
Credit and Debit Card [Member]
Noninterest income
Revenue from Contract with Customer, Including Assessed Tax	$ 893	$ 801	$ 1,707	$ 1,550

XML

Consolidated Statements of Comprehensive Income (unaudited) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
Statement of Comprehensive Income [Abstract]
Net income	$ 8,564	$ 6,280	$ 15,656	$ 13,723
Other comprehensive income (loss):
Net unrealized gain (loss) on cashflow hedge	(414)	377	(423)	1,092
Net unrealized gain (loss) on available for sale debt securities	1,521	(475)	3,988	(3,810)
Other Comprehensive Income (Loss), Defined Benefit Plan, Gain (Loss) Arising During Period, after Tax			(328)	0
Other Comprehensive Income (Loss), Net of Tax	1,107	(98)	3,237	(2,718)
Total comprehensive income	$ 9,671	$ 6,182	$ 18,893	$ 11,005

XML

Consolidated Statements of Comprehensive Income (unaudited) (Parenthetical) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
Statement of Comprehensive Income [Abstract]
Net unrealized gain (loss) on cashflow hedge	$ (545)	$ 496	$ (557)	$ 1,437
Net unrealized gain (loss) on cashflow hedge, deferred tax	(131)	119	(134)	345
Net unrealized gain (loss) on available for sale debt securities	2,001	(625)	5,247	(5,013)
Net unrealized gain (loss) on available for sale debt securities, deferred taxes	480	(150)	1,259	(1,203)
Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, before Tax	1,086	87	1,082	819
Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, Tax	261	21	260	197
Other Comprehensive Income (Loss), Defined Benefit Plan, Gain (Loss) Arising During Period, before Tax	0	0	(432)	0
Other Comprehensive Income (Loss), Defined Benefit Plan, Gain (Loss) Arising During Period, Tax	$ 0	$ 0	$ (104)	$ 0

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Consolidated Statements of Shareholders' Equity (unaudited) - USD ($) $ in Thousands	Total		Common Stock and Related Surplus [Member]	Unearned ESOP Shares [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income [Member]
Beginning Balance at Dec. 31, 2017	$ 201,505		$ 81,098	$ (1,152)	$ 119,827	$ 1,732
Comprehensive income:
Net income	13,723				13,723
Other comprehensive income	(2,718)					(2,718)
Stock Issued During Period, Value, Stock Options Exercised	4		4
Share-based compensation expense	193		193
Stock Issued During Period, Value, Employee Stock Ownership Plan	260		151	109
Stock Issued During Period, Value, Dividend Reinvestment Plan	126		126
Common stock cash dividends declared	(3,214)				(3,214)
Ending Balance at Jun. 30, 2018	209,879		81,572	(1,043)	130,336	(986)
Beginning Balance at Mar. 31, 2018	205,009		81,332	(1,098)	125,663	(888)
Comprehensive income:
Net income	6,280				6,280
Other comprehensive income	(98)					(98)
Share-based compensation expense	99		99
Stock Issued During Period, Value, Employee Stock Ownership Plan	133		78	55
Stock Issued During Period, Value, Dividend Reinvestment Plan	63		63
Common stock cash dividends declared	(1,607)				(1,607)
Ending Balance at Jun. 30, 2018	209,879		81,572	(1,043)	130,336	(986)
Beginning Balance at Dec. 31, 2018	219,830	[1]	80,431	(939)	141,354	(1,016)
Comprehensive income:
Net income	15,656				15,656
Other comprehensive income	3,237					3,237
Stock Issued During Period, Value, Stock Options Exercised	7		7
Share-based compensation expense	281		281
Stock Issued During Period, Value, Employee Stock Ownership Plan	253		142	111
Stock Repurchased and Retired During Period, Value	(8,952)		(8,952)
Stock Issued During Period, Value, Acquisitions	8,918		8,918
Stock Issued During Period, Value, Dividend Reinvestment Plan	119		119
Common stock cash dividends declared	(3,648)				(3,648)
Ending Balance at Jun. 30, 2019	235,701		80,946	(828)	153,362	2,221
Beginning Balance at Mar. 31, 2019	233,630		86,729	(884)	146,671	1,114
Comprehensive income:
Net income	8,564				8,564
Other comprehensive income	1,107					1,107
Stock Issued During Period, Value, Stock Options Exercised	7		7
Share-based compensation expense	149		149
Stock Issued During Period, Value, Employee Stock Ownership Plan	133		77	56
Stock Repurchased and Retired During Period, Value	(6,076)		(6,076)
Stock Issued During Period, Value, Dividend Reinvestment Plan	60		60
Common stock cash dividends declared	(1,873)				(1,873)
Ending Balance at Jun. 30, 2019	$ 235,701		$ 80,946	$ (828)	$ 153,362	$ 2,221

[1] Derived from audited consolidated financial statements

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Consolidated Statements of Shareholders' Equity (unaudited) (Parenthetical) - $ / shares	3 Months Ended		6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
Stock Repurchased and Retired During Period, Shares	235,717	0	360,917	0
Common stock, dividends per share	$ 0.15	$ 0.13	$ 0.29	$ 0.26
Stock Issued During Period, Shares, Employee Stock Ownership Plan	5,115	5,066	10,230	10,147
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period	16,815	0	17,255	200
Common stock issuances from reinvested dividends, number of shares	2,245	2,321	4,554	4,838
Stock Issued During Period, Shares, Acquisitions	0	0	465,931	0

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Consolidated Statements of Cash Flows (unaudited) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2019		Jun. 30, 2018
Cash Flows from Operating Activities
Net income	$ 15,656		$ 13,723
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation	1,242		1,058
Provision for loan losses	550		1,250
Share-based compensation expense	281		193
Deferred income tax benefit	(236)		(193)
Loans originated for sale	(6,843)		(7,764)
Proceeds from sale of loans	7,080		7,775
Gain (Loss) on Sales of Loans, Net	(151)		(146)
Realized securities gains, net	(1,082)		(819)
Loss (gain) on disposal of assets	155		(16)
Gain (Loss) on Disposition of Business	(1,906)		0
Write-downs of foreclosed properties	1,445		420
Amortization of securities premiums, net	1,290		1,872
Amortization (accretion) related to acquisitions, net	(632)		(310)
Amortization of intangibles	897		848
Earnings on cash surrender value of bank owned life insurance	(590)		(574)
Decrease (increase) in accrued interest receivable	229		(96)
Increase in other assets	(11)		(415)
Increase in other liabilities	1,232		1,358
Net cash provided by operating activities	18,606		18,164
Cash Flows from Investing Activities
Proceeds from maturities and calls of securities available for sale	1,445		1,050
Proceeds from Sale of Debt Securities, Available-for-sale	114,171		69,235
Principal payments received on securities available for sale	13,822		13,393
Payments to Acquire Debt Securities, Available-for-sale	46,060		44,243
Purchases of other investments	(6,930)		(5,938)
Proceeds from redemptions of other investments	9,142		7,397
Net loan originations	(85,633)		(26,200)
Purchases of premises and equipment	(5,863)		(2,866)
Proceeds from Sale of Property, Plant, and Equipment	3		12
Improvements to property held for sale	(33)		(795)
Proceeds from sales of repossessed assets & property held for sale	2,403		1,225
Proceeds from Divestiture of Businesses	7,117		0
Cash Acquired from Acquisition	20,589		0
Net cash provided by investing activities	24,173		12,270
Cash Flows from Financing Activities
Net increase in demand deposit, NOW and savings accounts	20,505		25,848
Net increase in time deposits	29,954		13,661
Net decrease in short-term borrowings	(83,741)		(48,071)
Repayment of long-term borrowings	(9)		(25,008)
Proceeds from issuance of common stock, net of issuance costs	40		126
Payments for Repurchase of Common Stock	8,952		0
Proceeds from Stock Options Exercised	7		4
Dividends paid on common stock	(3,648)		(3,214)
Net cash used in financing activities	(45,844)		(36,654)
Decrease in cash and cash equivalents	(3,065)		(6,220)
Cash and cash equivalents:
Beginning	59,540	[1]	52,631
Ending	56,475		46,411
Cash payments for:
Interest	14,645		11,713
Income taxes	3,845		4,066
Supplemental Disclosures of Noncash Investing and Financing Activities
Real property and other assets acquired in settlement of loans	3,937		906
Noncash or Part Noncash Acquisition, Other Assets Acquired	100,377		0
Noncash or Part Noncash Acquisition, Other Liabilities Assumed	$ 114,151		$ 0

[1] Derived from audited consolidated financial statements

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Consolidated Statements of Cash Flows (unaudited) Consolidated Statements of Cash Flows (Parenthetical) $ in Thousands	6 Months Ended
	Jun. 30, 2019 USD ($)
Statement of Cash Flows [Abstract]
Payments to Acquire Businesses, Gross	$ 12,740

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Basis of Presentation

6 Months Ended

Jun. 30, 2019

Organization, Consolidation and Presentation of Financial Statements [Abstract]

Basis of Presentation

BASIS OF PRESENTATION

We, Summit Financial Group, Inc. and subsidiaries, prepare our consolidated financial statements in accordance with accounting principles generally accepted in the United States of America for interim financial information and with instructions to Form 10-Q and Regulation S-X.  Accordingly, they do not include all the information and footnotes required by accounting principles generally accepted in the United States of America for annual year end financial statements.  In our opinion, all adjustments considered necessary for a fair presentation have been included and are of a normal recurring nature.

The presentation of financial statements in conformity with accounting principles generally accepted in the United States of America requires us to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements, and the reported amounts of revenues and expenses during the reporting period.  Actual results could differ materially from these estimates.

The results of operations for the three and six months ended June 30, 2019 are not necessarily indicative of the results to be expected for the full year.  The consolidated financial statements and notes included herein should be read in conjunction with our 2018 audited financial statements and Annual Report on Form 10-K.

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Significant New Authoritative Accounting Guidance

6 Months Ended

Jun. 30, 2019

New Accounting Pronouncements and Changes in Accounting Principles [Abstract]

Significant New Authoritative Accounting Guidance

SIGNIFICANT NEW AUTHORITATIVE ACCOUNTING GUIDANCE

Recently Adopted

We adopted ASU No. 2016-02, Leases (Topic 842) and its related amendments on its required effective date of January 1, 2019 utilizing the modified retrospective approach. Since there was no net income impact upon adoption of the new guidance, a cumulative effect adjustment to opening retained earnings was not deemed necessary. The impact, deemed insignificant, to our consolidated financial position upon adoption was the recognition, on a discounted basis, of our minimum commitments under non-cancellable operating leases on our consolidated balance sheets resulting in the recording of right of use assets and lease obligations of approximately $870,000 which is related to long-term operating leases of premises and leases of equipment used in operations. The right-of-use assets and lease liabilities are included in other assets and other liabilities in the Consolidated Balance Sheets. Our current minimum commitments under long-term operating leases are disclosed in Note 12, Commitments and Contingencies.

We adopted ASU No. 2017-08, Receivables-Nonrefundable Fees and Other Costs (Subtopic 310-20): Premium Amortization on Purchased Callable Debt Securities on its required effective date of January 1, 2019. This guidance shortens the amortization period for premiums on certain callable debt securities to the earliest call date (with an explicit, noncontingent call feature that is callable at a fixed price and on a preset date), rather than contractual maturity date as currently required under GAAP. The ASU does not impact instruments without preset call dates such as mortgage-backed securities.  For instruments with contingent call features, once the contingency is resolved and the security is callable at a fixed price and preset date, the security is within the scope of the ASU.  The adoption of the new pronouncement did not have a significant impact on our consolidated financial statements.

Pending Adoption

During June 2016, the FASB issued ASU No. 2016-13, Financial Instruments - Credit Losses (Topic 326) - Measurement of Credit Losses on Financial Instruments. The amendments in this ASU, among other things, require the measurement of all expected credit losses for financial assets held at the reporting date based on historical experience, current conditions and reasonable and supportable forecasts. Financial institutions and other organizations will now use forward-looking information to better inform their credit loss estimates. Many of the loss estimation techniques applied today will still be permitted, although the inputs to those techniques will change to reflect the full amount of expected credit losses. In addition, the ASU amends the accounting for credit losses on available-for-sale debt securities and purchased financial assets with credit deterioration. The amendments in this ASU are effective for SEC filers for fiscal years and interim periods within those fiscal years, beginning after December 15, 2019. We will adopt the guidance by the first quarter of 2020 with a cumulative-effect adjustment to retained earnings as of the beginning of the year of adoption. In this regard, we have a cross-functional implementation team comprised of personnel from risk management, operations and information technology, loan administration and finance and engaged a third-party to assist us. The team has developed a project plan, identified key decision points and prepared a readiness assessment and gap analysis relative to required data which serves to direct our areas of focus. In addition, we have collected applicable historical data and made decisions regarding methodology and loan pool structures. We will continue to evaluate the impact the new standard will have on our consolidated financial statements as the final impact will be dependent, among other items, upon the loan portfolio composition and credit quality at the adoption date, as well as economic conditions, financial models used and forecasts at that time.

In August 2018, the FASB issued ASU 2018-13, Fair Value Measurement (Topic 820): Disclosure Framework-Changes to the Disclosure Requirements for Fair Value Measurement. The amendments modify the disclosure requirements in Topic 820 to add disclosures regarding changes in unrealized gains and losses, the range and weighted average of significant unobservable inputs used to develop Level 3 fair value measurements and the narrative description of measurement uncertainty. Certain disclosure requirements in Topic 820 are also removed or modified. The amendments are effective for fiscal years beginning after December 15, 2019, and interim periods within those fiscal years. Certain of the amendments are to be applied prospectively while others are to be applied retrospectively. Early adoption is permitted. We do not expect the adoption of ASU 2018-13 to have a material impact on our consolidated financial statements.

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Fair Value Measurements

6 Months Ended

Jun. 30, 2019

Fair Value Disclosures [Abstract]

Fair Value Measurements

FAIR VALUE MEASUREMENTS

The table below presents the recorded amount of assets and liabilities measured at fair value on a recurring basis.

	Balance at		Fair Value Measurements Using:
Dollars in thousands	June 30, 2019		Level 1		Level 2		Level 3
Securities available for sale
U.S. Government sponsored agencies	$	23,724	$	—	$	23,724	$	—
Mortgage backed securities:
Government sponsored agencies	75,334		—		75,334		—
Nongovernment sponsored entities	9,170		—		9,170		—
State and political subdivisions	23,365		—		23,365		—
Corporate debt securities	16,972		—		16,972		—
Asset-backed securities	33,452		—		33,452		—
Tax-exempt state and political subdivisions	87,903		—		87,903		—
Total securities available for sale	$	269,920	$	—	$	269,920	$	—
Derivative financial assets
Interest rate swaps	$	—	$	—	$	—	$	—
Derivative financial liabilities
Interest rate swaps	$	1,247	$	—	$	1,247	$	—

	Balance at		Fair Value Measurements Using:
Dollars in thousands	December 31, 2018		Level 1		Level 2		Level 3
Securities available for sale
U.S. Government sponsored agencies	$	26,140	$	—	$	26,140	$	—
Mortgage backed securities:
Government sponsored agencies	80,309		—		80,309		—
Nongovernment sponsored entities	614		—		614		—
State and political subdivisions	19,243		—		19,243		—
Corporate debt securities	14,512		—		14,512		—
Asset-backed securities	25,175		—		25,175		—
Tax-exempt state and political subdivisions	127,154		—		127,154		—
Total securities available for sale	$	293,147	$	—	$	293,147	$	—
Derivative financial assets
Interest rate swaps	$	555	$	—	$	555	$	—
Derivative financial liabilities
Interest rate swaps	$	411	$	—	$	411	$	—

We may be required, from time to time, to measure certain assets at fair value on a nonrecurring basis in accordance with U.S. generally accepted accounting principles.  These include assets that are measured at the lower of cost or market that were recognized at fair value below cost at the end of the period.  Assets measured at fair value on a nonrecurring basis are included in the table below.

	Balance at		Fair Value Measurements Using:
Dollars in thousands	June 30, 2019		Level 1		Level 2		Level 3
Residential mortgage loans held for sale	$	314	$	—	$	314	$	—
Collateral-dependent impaired loans
Commercial	$	238	$	—	$	8	$	230
Commercial real estate	420		$	—	420		—
Construction and development	515		$	—	515		—
Residential real estate	717		—		646		71
Total collateral-dependent impaired loans	$	1,890	$	—	$	1,589	$	301
Property held for sale
Commercial real estate	$	1,414	$	—	$	1,414	$	—
Construction and development	14,427		—		14,427		—
Residential real estate	783		—		783		—
Total property held for sale	$	16,624	$	—	$	16,624	$	—

	Balance at		Fair Value Measurements Using:
Dollars in thousands	December 31, 2018		Level 1		Level 2		Level 3
Residential mortgage loans held for sale	$	400	$	—	$	400	$	—
Collateral-dependent impaired loans
Commercial	$	2,660	$	—	$	2,611	$	49
Commercial real estate	420		—		420		—
Construction and development	759		—		759		—
Residential real estate	763		—		763		—
Total collateral-dependent impaired loans	$	4,602	$	—	$	4,553	$	49
Property held for sale
Commercial real estate	$	1,677	$	—	$	1,677	$	—
Construction and development	16,363		—		16,363		—
Residential real estate	403		—		403		—
Total property held for sale	$	18,443	$	—	$	18,443	$	—

The carrying values and estimated fair values of our financial instruments are summarized below:

	June 30, 2019				Fair Value Measurements Using:
Dollars in thousands	Carrying Value		Estimated Fair Value		Level 1		Level 2		Level 3
Financial assets
Cash and cash equivalents	$	56,475	$	56,475	$	—	$	56,475	$	—
Securities available for sale	269,920		269,920		—		269,920		—
Other investments	14,238		14,238		—		14,238		—
Loans held for sale, net	314		314		—		314		—
Loans, net	1,805,850		1,808,046		—		1,589		1,806,457
Accrued interest receivable	8,909		8,909		—		8,909		—
Derivative financial assets	—		—		—		—		—
	$	2,155,706	$	2,157,902	$	—	$	351,445	$	1,806,457
Financial liabilities
Deposits	$	1,797,493	$	1,803,314	$	—	$	1,803,314	$	—
Short-term borrowings	225,343		225,343		—		225,343		—
Long-term borrowings	726		867		—		867		—
Subordinated debentures owed to unconsolidated subsidiary trusts	19,589		19,589		—		19,589		—
Accrued interest payable	1,370		1,370		—		1,370		—
Derivative financial liabilities	1,247		1,247		—		1,247		—
	$	2,045,768	$	2,051,730	$	—	$	2,051,730	$	—

	December 31, 2018				Fair Value Measurements Using:
Dollars in thousands	Carrying Value		Estimated Fair Value		Level 1		Level 2		Level 3
Financial assets
Cash and cash equivalents	$	59,540	$	59,540	$	—	$	59,540	$	—
Securities available for sale	293,147		293,147		—		293,147		—
Other investments	16,635		16,635		—		16,635		—
Loans held for sale, net	400		400		—		400		—
Loans, net	1,682,005		1,666,834		—		4,553		1,662,281
Accrued interest receivable	8,708		8,708		—		8,708		—
Derivative financial assets	555		555		—		555		—
	$	2,060,990	$	2,045,819	$	—	$	383,538	$	1,662,281
Financial liabilities
Deposits	$	1,634,826	$	1,631,456	$	—	$	1,631,456	$	—
Short-term borrowings	309,084		309,084		—		309,084		—
Long-term borrowings	735		843		—		843		—
Subordinated debentures owed to unconsolidated subsidiary trusts	19,589		19,589		—		19,589		—
Accrued interest payable	1,102		1,102		—		1,102		—
Derivative financial liabilities	411		411		—		411		—
	$	1,965,747	$	1,962,485	$	—	$	1,962,485	$	—

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Earnings Per Share

6 Months Ended

Jun. 30, 2019

Earnings Per Share [Abstract]

Earnings Per Share

EARNINGS PER SHARE

The computations of basic and diluted earnings per share follow:

	For the Three Months Ended June 30,
	2019					2018
Dollars in thousands,except per share amounts	Net Income (Numerator)		Common Shares (Denominator)	Per Share		Net Income (Numerator)		Common Shares (Denominator)	Per Share
Net income	$	8,564				$	6,280
Basic earnings per share	$	8,564	12,539,095	$	0.68	$	6,280	12,366,522	$	0.51
Effect of dilutive securities:
Stock options			5,052					7,814
Stock appreciation rights (SARs)			55,924					57,648
Diluted earnings per share	$	8,564	12,600,071	$	0.68	$	6,280	12,431,984	$	0.51

	For the Six Months Ended June 30,
	2019					2018
Dollars in thousands,except per share amounts	Income (Numerator)		Common Shares (Denominator)	Per Share		Income (Numerator)		Common Shares (Denominator)	Per Share
Net income	$	15,656				$	13,723
Basic earnings per share	$	15,656	12,627,806	$	1.24	$	13,723	12,362,679	$	1.11
Effect of dilutive securities:
Stock options			5,182					7,668
Stock appreciation rights (SARs)			55,877					55,405
Diluted earnings per share	$	15,656	12,688,865	$	1.23	$	13,723	12,425,751	$	1.10

Stock option and stock appreciation right (SAR) grants are disregarded in this computation if they are determined to be anti-dilutive.  Our anti-dilutive stock options for the three and six months ended June 30,2019 were 7,700 shares. There were no anti-dilutive stock options for the three and six months ended June 30, 2018. Our anti-dilutive SARs for the three and six months ended June 30,2019 and June 30, 2018 were 84,615 and 87,615, respectively .

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Securities

6 Months Ended

Jun. 30, 2019

Debt Securities, Available-for-sale [Abstract]

Securities

DEBT SECURITIES

The amortized cost, unrealized gains, unrealized losses and estimated fair values of securities at June 30, 2019 and December 31, 2018 are summarized as follows:

	June 30, 2019
	Amortized		Unrealized				Estimated
Dollars in thousands	Cost		Gains		Losses		Fair Value
Available for Sale
Taxable debt securities
U.S. Government and agencies and corporations	$	23,807	$	259	$	342	$	23,724
Residential mortgage-backed securities:
Government-sponsored agencies	74,976		974		616		75,334
Nongovernment-sponsored entities	9,245		13		88		9,170
State and political subdivisions
General obligations	3,184		69		—		3,253
Water and sewer revenues	3,750		82		—		3,832
Other revenues	15,680		600		—		16,280
Corporate debt securities	17,267		28		323		16,972
Asset-backed securities	34,078		—		626		33,452
Total taxable debt securities	181,987		2,025		1,995		182,017
Tax-exempt debt securities
State and political subdivisions
General obligations	43,198		2,352		2		45,548
Water and sewer revenues	12,924		621		—		13,545
Lease revenues	8,567		485		—		9,052
University revenues	3,439		101		—		3,540
Other revenues	15,663		568		13		16,218
Total tax-exempt debt securities	83,791		4,127		15		87,903
Total securities available for sale	$	265,778	$	6,152	$	2,010	$	269,920

	December 31, 2018
	Amortized		Unrealized				Estimated
Dollars in thousands	Cost		Gains		Losses		Fair Value
Available for Sale
Taxable debt securities
U.S. Government and agencies and corporations	$	26,303	$	203	$	366	$	26,140
Residential mortgage-backed securities:
Government-sponsored agencies	80,883		603		1,177		80,309
Nongovernment-sponsored entities	611		4		1		614
State and political subdivisions
General obligations	6,081		—		126		5,955
Other revenues	13,457		17		186		13,288
Corporate debt securities	14,807		9		304		14,512
Asset-backed securities	25,288		10		123		25,175
Total taxable debt securities	167,430		846		2,283		165,993
Tax-exempt debt securities
State and political subdivisions
General obligations	65,626		624		344		65,906
Water and sewer revenues	20,018		225		98		20,145
Lease revenues	10,980		135		7		11,108
Other revenues	30,197		77		279		29,995
Total tax-exempt debt securities	126,821		1,061		728		127,154
Total securities available for sale	$	294,251	$	1,907	$	3,011	$	293,147

The below information is relative to the five states where issuers with the highest volume of state and political subdivision securities held in our portfolio are located.  We own no such securities of any single issuer which we deem to be a concentration.

	June 30, 2019
	Amortized		Unrealized				Estimated
Dollars in thousands	Cost		Gains		Losses		Fair Value
California	$	16,108	$	1,126	$	2	$	17,232
Illinois	15,518		512		—		16,030
Michigan	10,940		481		—		11,421
West Virginia	9,399		219		13		9,605
New York	8,561		348		—		8,909

Management performs pre-purchase and ongoing analysis to confirm that all investment securities meet applicable credit quality standards.  

The maturities, amortized cost and estimated fair values of securities at June 30, 2019, are summarized as follows:

Dollars in thousands	Amortized Cost		Estimated Fair Value
Due in one year or less	$	35,134	$	35,149
Due from one to five years	79,573		79,582
Due from five to ten years	59,026		59,183
Due after ten years	92,045		96,006
	$	265,778	$	269,920

The proceeds from sales, calls and maturities of securities available for sale, including principal payments received on mortgage-backed obligations, and the related gross gains and losses realized, for the six months ended June 30, 2019 and 2018 are as follows:

		Proceeds from						Gross realized
Dollars in thousands		Sales		Calls and Maturities		Principal Payments		Gains		Losses
For the Six Months Ended   June 30,
2019
	Securities available for sale	$	114,171	$	1,445	$	13,822	$	1,213	$	131
2018
	Securities available for sale	$	69,235	$	1,050	$	13,393	$	1,637	$	818

We held 68 available for sale securities having an unrealized loss at June 30, 2019.  We do not intend to sell these securities, and it is more likely than not that we will not be required to sell these securities before recovery of their amortized cost bases.  We believe that this decline in value is primarily attributable to the lack of market liquidity and to changes in market interest rates and is not due to credit quality.  Accordingly, no other-than-temporary impairment charge to earnings is warranted at this time.

Provided below is a summary of securities available for sale which were in an unrealized loss position at June 30, 2019 and December 31, 2018.

	June 30, 2019
		Less than 12 months				12 months or more				Total
Dollars in thousands	# of securities in loss position	Estimated Fair Value		Unrealized Loss		Estimated Fair Value		Unrealized Loss		Estimated Fair Value		Unrealized Loss
Taxable debt securities
U.S. Government agencies and corporations	15	$	—	$	—	$	17,371	$	342	$	17,371	$	342
Residential mortgage-backed securities:
Government-sponsored agencies	25	17,041		301		16,460		315		33,501		616
Nongovernment-sponsored entities	3	7,002		88		—		—		7,002		88
Corporate debt securities	8	5,171		117		2,544		206		7,715		323
Asset-backed securities	15	33,452		626		—		—		33,452		626
Tax-exempt debt securities
State and political subdivisions:
General obligations	1	690		2		—		—		690		2
Other revenues	1	—		—		1,023		13		1,023		13
Total	68	63,356		1,134		37,398		876		100,754		2,010

	December 31, 2018
		Less than 12 months				12 months or more				Total
Dollars in thousands	# of securities in loss position	Estimated Fair Value		Unrealized Loss		Estimated Fair Value		Unrealized Loss		Estimated Fair Value		Unrealized Loss
Taxable debt securities
U.S. Government agencies and       corporations	15	$	12,185	$	184	$	7,464	$	182	$	19,649	$	366
Residential mortgage-backed securities:
Government-sponsored agencies	37	23,277		241		24,472		936		47,749		1,177
Nongovernment-sponsored entities	1	—		—		436		1		436		1
State and political subdivisions:
General obligations	8	—		—		5,222		126		5,222		126
Other revenues	11	968		16		9,450		170		10,418		186
Corporate debt securities	7	2,759		109		4,587		195		7,346		304
Asset-backed securities	9	20,129		123		—		—		20,129		123
Tax-exempt debt securities
State and political subdivisions:
General obligations	25	7,273		50		16,830		294		24,103		344
Water and sewer revenues	7	989		6		4,311		92		5,300		98
Lease revenues	2	553		—		557		7		1,110		7
Other revenues	12	7,309		62		11,531		217		18,840		279
Total	134	75,442		791		84,860		2,220		160,302		3,011

XML

Loans

6 Months Ended

Jun. 30, 2019

Loans and Leases Receivable Disclosure [Abstract]

Loans

LOANS

Loans are summarized as follows:

Dollars in thousands	June 30, 2019		December 31, 2018
Commercial	$	204,138	$	194,315
Commercial real estate
Owner-occupied	262,901		257,256
Non-owner occupied	574,677		573,932
Construction and development
Land and land development	67,769		68,833
Construction	46,975		24,731
Residential real estate
Non-jumbo	360,752		336,977
Jumbo	70,171		73,599
Home equity	81,373		80,910
Mortgage warehouse lines	101,607		39,140
Consumer	36,715		32,460
Other	11,924		12,899
Total loans, net of unearned fees	1,819,002		1,695,052
Less allowance for loan losses	13,152		13,047
Loans, net	$	1,805,850	$	1,682,005

The outstanding balance and the recorded investment of acquired loans included in the consolidated balance sheet at June 30, 2019 and December 31, 2018 are as follows:

	Acquired Loans
	June 30, 2019						December 31, 2018
Dollars in thousands	Purchased Credit Impaired		Purchased Performing		Total		Purchased Credit Impaired		Purchased Performing		Total
Outstanding balance	$	4,282	$	154,564	$	158,846	$	4,275	$	138,167	$	142,442
Recorded investment
Commercial	$	—	$	4,056	$	4,056	$	—	$	3,934	$	3,934
Commercial real estate
Owner-occupied	—		19,729		19,729		—		16,133		16,133
Non-owner occupied	1,262		16,801		18,063		1,162		23,431		24,593
Construction and development
Land and land development	—		4,178		4,178		—		5,161		5,161
Construction	—		—		—		—		—		—
Residential real estate
Non-jumbo	1,293		96,352		97,645		1,374		77,894		79,268
Jumbo	962		3,144		4,106		975		2,577		3,552
Home equity	—		2,440		2,440		—		2,805		2,805
Consumer	—		5,854		5,854		—		4,630		4,630
Other	—		15		15		—		122		122
Total recorded investment	$	3,517	$	152,569	$	156,086	$	3,511	$	136,687	$	140,198

The following table presents a summary of the change in the accretable yield of the purchased credit impaired ("PCI") loan portfolio for the three and six months ended June 30, 2019 and 2018:

	For the Three Months Ended June 30,						For the Six Months Ended June 30,
Dollars in thousands	2019			2018			2019			2018
Accretable yield	$	623		$	708		$	632		$	745
Accretion	(26		)	(32		)	(34		)	(69		)
Reclassification of nonaccretable difference due to improvement     in expected cash flows	—			—			—			—
Other changes, net	—			—			(1		)	—
Accretable yield, June 30	$	597		$	676		$	597		$	676

The following table presents the contractual aging of the recorded investment in past due loans by class as of June 30, 2019 and December 31, 2018.

	At June 30, 2019
	Past Due										> 90 days and Accruing
Dollars in thousands	30-59 days		60-89 days		> 90 days		Total		Current
Commercial	$	327	$	137	$	700	$	1,164	$	202,974	$	—
Commercial real estate
Owner-occupied	520		—		4,454		4,974		257,927		—
Non-owner occupied	—		1,205		1,463		2,668		572,009		—
Construction and development
Land and land development	258		—		43		301		67,468		—
Construction	—		—		—		—		46,975		—
Residential mortgage
Non-jumbo	5,686		806		2,564		9,056		351,696		119
Jumbo	642		—		—		642		69,529		—
Home equity	101		94		258		453		80,920		21
Mortgage warehouse lines	—		—		—		—		101,607		—
Consumer	230		63		109		402		36,313		68
Other	—		—		100		100		11,824		—
Total	$	7,764	$	2,305	$	9,691	$	19,760	$	1,799,242	$	208

	At December 31, 2018
	Past Due										> 90 days and Accruing
Dollars in thousands	30-59 days		60-89 days		> 90 days		Total		Current
Commercial	$	254	$	51	$	483	$	788	$	193,527	$	—
Commercial real estate
Owner-occupied	—		—		612		612		256,644		—
Non-owner occupied	156		255		1,756		2,167		571,765		—
Construction and development
Land and land development	190		4		3,174		3,368		65,465		—
Construction	—		—		—		—		24,731		—
Residential mortgage
Non-jumbo	4,120		2,235		3,753		10,108		326,869		—
Jumbo	—		—		675		675		72,924		—
Home equity	754		261		181		1,196		79,714		—
Mortgage warehouse lines	—		—		—		—		39,140		—
Consumer	502		121		125		748		31,712		36
Other	31		—		—		31		12,868		—
Total	$	6,007	$	2,927	$	10,759	$	19,693	$	1,675,359	$	36

Nonaccrual loans:  The following table presents the nonaccrual loans included in the net balance of loans at June 30, 2019 and December 31, 2018.

	June 30,		December 31,
Dollars in thousands	2019		2018
Commercial	$	948	$	935
Commercial real estate
Owner-occupied	4,624		1,028
Non-owner occupied	1,920		2,210
Construction and development
Land & land development	66		3,198
Construction	—		—
Residential mortgage
Non-jumbo	4,561		6,532
Jumbo	642		675
Home equity	314		299
Mortgage warehouse lines	—		—
Consumer	92		112
Other	100		—
Total	$	13,267	$	14,989

Impaired loans:  Impaired loans include the following:

▪ Loans which we risk-rate (loan relationships having aggregate balances in excess of $2.5 million, or loans exceeding $500,000 and exhibiting credit weakness) through our normal loan review procedures and which, based on current information and events, it is probable that we will be unable to collect all amounts due in accordance with the original contractual terms of the loan agreement.   Risk-rated loans with insignificant delays or insignificant short falls in the amount of payments expected to be collected are not considered to be impaired.

▪ Loans that have been modified in a troubled debt restructuring.

Both commercial and consumer loans are deemed impaired upon being contractually modified in a troubled debt restructuring. Troubled debt restructurings typically result from our loss mitigation activities and occur when we grant a concession to a borrower who is experiencing financial difficulty in order to minimize our economic loss and to avoid foreclosure or repossession of collateral.  Once restructured, a loan is generally considered impaired until its maturity, regardless of whether the borrower performs under the modified terms.  Although such a loan may be returned to accrual status if the criteria set forth in accounting principles generally accepted in the United States are met, the loan would continue to be evaluated for an asset-specific allowance for loan losses and we would continue to report the loan in the impaired loan table below.

The following tables present loans individually evaluated for impairment at June 30, 2019 and December 31, 2018.

	June 30, 2019
Dollars in thousands	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Impaired Balance		Interest Income Recognized while impaired
Without a related allowance
Commercial	$	5,215	$	5,216	$	—	$	5,371	$	334
Commercial real estate
Owner-occupied	8,867		8,872		—		8,822		207
Non-owner occupied	10,814		10,821		—		9,967		504
Construction and development
Land & land development	1,088		1,088		—		1,129		68
Construction	—		—		—		—		—
Residential real estate
Non-jumbo	3,705		3,711		—		3,698		198
Jumbo	4,022		4,021		—		4,044		190
Home equity	523		523		—		523		32
Mortgage warehouse lines	—		—		—		—		—
Consumer	15		15		—		10		1
Total without a related allowance	$	34,249	$	34,267	$	—	$	33,564	$	1,534
With a related allowance
Commercial	$	269	$	269	$	30	$	184	$	1
Commercial real estate
Owner-occupied	2,915		2,914		444		2,924		114
Non-owner occupied	—		—		—		—		—
Construction and development
Land & land development	1,035		1,036		521		1,041		57
Construction	—		—		—		—		—
Residential real estate
Non-jumbo	2,371		2,370		678		2,341		74
Jumbo	—		—		—		—		—
Home equity	—		—		—		—		—
Mortgage warehouse lines	—		—		—		—		—
Consumer	—		—		—		—		—
Total with a related allowance	$	6,590	$	6,589	$	1,673	$	6,490	$	246
Total
Commercial	$	30,203	$	30,216	$	995	$	29,438	$	1,285
Residential real estate	10,621		10,625		678		10,606		494
Consumer	15		15		—		10		1
Total	$	40,839	$	40,856	$	1,673	$	40,054	$	1,780

The table above does not include PCI loans.

	December 31, 2018
Dollars in thousands	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Impaired Balance		Interest Income Recognized while impaired
Without a related allowance
Commercial	$	1,019	$	1,253	$	—	$	321	$	16
Commercial real estate
Owner-occupied	8,600		8,605		—		7,730		318
Non-owner occupied	9,666		9,673		—		9,753		493
Construction and development
Land & land development	4,767		4,767		—		4,947		102
Construction	—		—		—		—		—
Residential real estate
Non-jumbo	3,279		3,284		—		3,401		180
Jumbo	4,132		4,130		—		3,517		166
Home equity	523		523		—		523		30
Mortgage warehouse lines	—		—		—		—		—
Consumer	9		10		—		13		1
Total without a related allowance	$	31,995	$	32,245	$	—	$	30,205	$	1,306
With a related allowance
Commercial	$	3,343	$	3,342	$	682	$	705	$	39
Commercial real estate
Owner-occupied	2,969		2,969		462		2,397		117
Non-owner occupied	189		191		9		226		16
Construction and development
Land & land development	1,057		1,057		298		1,073		56
Construction	—		—		—		—		—
Residential real estate
Non-jumbo	2,982		2,981		585		2,539		98
Jumbo	821		822		106		827		48
Home equity	—		—		—		—		—
Mortgage warehouse lines	—		—		—		—		—
Consumer	—		—		—		—		—
Total with a related allowance	$	11,361	$	11,362	$	2,142	$	7,767	$	374
Total
Commercial	$	31,610	$	31,857	$	1,451	$	27,152	$	1,157
Residential real estate	11,737		11,740		691		10,807		522
Consumer	9		10		—		13		1
Total	$	43,356	$	43,607	$	2,142	$	37,972	$	1,680

The table above does not include PCI loans.

Included in impaired loans are TDRs of $26.2 million, of which $23.2 million were current with respect to restructured contractual payments at June 30, 2019, and $27 million, of which $26.6 million were current with respect to restructured contractual payments at December 31, 2018.  There were no commitments to lend additional funds under these restructurings at either balance sheet date.

The following tables present by class the TDRs that were restructured during the three and six months ended June 30, 2019 and June 30, 2018 . Generally, the modifications were extensions of term, modifying the payment terms from principal and interest to interest only for an extended period, or reduction in interest rate.  All TDRs are evaluated individually for allowance for loan loss purposes.

	For the Three Months Ended   June 30, 2019					For the Three Months Ended   June 30, 2018
Dollars in thousands	Number of Modifications	Pre-modification Recorded Investment		Post-modification Recorded Investment		Number of Modifications	Pre-modification Recorded Investment		Post-modification Recorded Investment
Commercial	—	$	—	$	—	2	$	157	$	157
Residential real estate
Non-jumbo	—	—		—		5	741		741
Total	—	$	—	$	—	7	$	898	$	898

	For the Six Months Ended   June 30, 2019					For the Six Months Ended   June 30, 2018
Dollars in thousands	Number of Modifications	Pre-modification Recorded Investment		Post-modification Recorded Investment		Number of Modifications	Pre-modification Recorded Investment		Post-modification Recorded Investment
Commercial	—	$	—	$	—	2	$	157	$	157
Commercial real estate
Owner-occupied	1	325		325		—	—		—
Non-owner occupied	4	324		324		—	—		—
Residential real estate
Non-jumbo	7	410		410		6	805		805
Consumer	1	16		16		—	—		—
Total	13	$	1,075	$	1,075	8	$	962	$	962

The following tables present defaults during the stated period of TDRs that were restructured during the past twelve months. For purposes of these tables, a default is considered as either the loan was past due 30 days or more at any time during the period, or the loan was fully or partially charged off during the period.

	For the Three Months Ended   June 30, 2019			For the Three Months Ended   June 30, 2018
Dollars in thousands	Number of Defaults	Recorded Investment at Default Date		Number of Defaults	Recorded Investment at Default Date
Commercial	—	$	—	2	$	157
Commercial real estate
Owner-occupied	—	—		1	2,302
Non-owner occupied	1	126		1	341
Construction and development
Land & land development	—	—		1	438
Residential real estate
Non-jumbo	4	193		2	506
Total	5	$	319	7	$	3,744

	For the Six Months Ended   June 30, 2019			For the Six Months Ended   June 30, 2018
Dollars in thousands	Number of Defaults	Recorded Investment at Default Date		Number of Defaults	Recorded Investment at Default Date
Commercial	—	$	—	2	$	157
Commercial real estate
Owner-occupied	—	—		1	2,302
Non-owner occupied	1	126		1	341
Construction and development
Land & land development	—	—		1	438
Residential real estate
Non-jumbo	4	193		3	712
Total	5	$	319	8	$	3,950

The following tables detail the activity regarding TDRs by loan type, net of fees, for the three and six months ended June 30, 2019, and the related allowance on TDRs.

For the Three Months Ended June 30, 2019
	Construction & Land Development								Commercial Real Estate						Residential Real Estate
Dollars in thousands	Land & Land Develop- ment			Construc- tion		Commer- cial			Owner Occupied			Non- Owner Occupied			Non- jumbo			Jumbo			Home Equity		Mortgage Warehouse Lines		Con- sumer			Other		Total
Troubled debt restructurings
Balance April 1, 2019	$	2,629		$	—	$	265		$	9,629		$	5,676		$	4,869		$	4,231		$	523	$	—	$	23		$	—	$	27,845
Additions	—			—		—			—			—			—			—			—		—		—			—		—
Charge-offs	—			—		—			—			—			—			—			—		—		—			—		—
Net (paydowns) advances	(506		)	—		(32		)	(41		)	(52		)	(174		)	(851		)	—		—		(8		)	—		(1,664		)
Transfer into foreclosed properties	—			—		—			—			—			—			—			—		—		—			—		—
Refinance out of TDR status	—			—		—			—			—			—			—			—		—		—			—		—
Balance, June 30, 2019	$	2,123		$	—	$	233		$	9,588		$	5,624		$	4,695		$	3,380		$	523	$	—	$	15		$	—	$	26,181
Allowance related to troubled debt restructurings	$	521		$	—	$	6		$	271		$	—		$	200		$	—		$	—	$	—	$	—		$	—	$	998

For the Six Months Ended June 30, 2019
	Construction & Land Development								Commercial Real Estate						Residential Real Estate
Dollars in thousands	Land & Land Develop- ment			Construc- tion		Commer- cial			Owner Occupied			Non- Owner Occupied			Non- jumbo			Jumbo			Home Equity		Mortgage Warehouse Lines		Con- sumer			Other		Total
Troubled debt restructurings
Balance January 1, 2019	$	2,654		$	—	$	273		$	9,365		$	5,404		$	4,490		$	4,278		$	523	$	—	$	10		$	—	$	26,997
Additions	—			—		—			325			324			410			—			—		—		16			—		1,075
Charge-offs	—			—		—			—			—			—			—			—		—		—			—		—
Net (paydowns) advances	(531		)	—		(40		)	(102		)	(104		)	(205		)	(898		)	—		—		(11		)	—		(1,891		)
Transfer into foreclosed properties	—			—		—			—			—			—			—			—		—		—			—		—
Refinance out of TDR status	—			—		—			—			—			—			—			—		—		—			—		—
Balance, June 30, 2019	$	2,123		$	—	$	233		$	9,588		$	5,624		$	4,695		$	3,380		$	523	$	—	$	15		$	—	$	26,181
Allowance related to troubled debt restructurings	$	521		$	—	$	6		$	271		$	—		$	200		$	—		$	—	$	—	$	—		$	—	$	998

The following table presents the recorded investment in construction and development, commercial, and commercial real estate loans which are generally evaluated based upon our internal risk ratings.

Loan Risk Profile by Internal Risk Rating
	Construction and Development												Commercial Real Estate
	Land and Land Development				Construction				Commercial				Owner Occupied				Non-Owner Occupied				Mortgage Warehouse Lines
Dollars in thousands	6/30/2019		12/31/2018		6/30/2019		12/31/2018		6/30/2019		12/31/2018		6/30/2019		12/31/2018		6/30/2019		12/31/2018		6/30/2019		12/31/2018
Pass	$	65,893	$	63,743	$	46,835	$	24,589	$	196,706	$	182,651	$	255,527	$	250,254	$	565,858	$	565,715	$	101,607	$	39,140
OLEM (Special Mention)	461		472		140		142		1,572		6,748		2,421		1,864		1,653		1,554		—		—
Substandard	1,415		4,618		—		—		5,860		4,916		4,953		5,138		7,166		6,663		—		—
Doubtful	—		—		—		—		—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—		—		—		—		—
Total	$	67,769	$	68,833	$	46,975	$	24,731	$	204,138	$	194,315	$	262,901	$	257,256	$	574,677	$	573,932	$	101,607	$	39,140

The following table presents the recorded investment and payment activity in consumer, residential real estate, and home equity loans, which are generally evaluated based on the aging status of the loans.

	Performing				Nonperforming
Dollars in thousands	6/30/2019		12/31/2018		6/30/2019		12/31/2018
Residential real estate
Non-jumbo	$	356,071	$	330,445	$	4,681	$	6,532
Jumbo	69,529		72,924		642		675
Home Equity	81,039		80,611		334		299
Consumer	36,555		32,312		160		148
Other	11,824		12,899		100		—
Total	$	555,018	$	529,191	$	5,917	$	7,654

XML

Allowance For Loan Losses

6 Months Ended

Jun. 30, 2019

Allowance for Loan and Lease Losses Write-offs, Net [Abstract]

Allowance for Loan Losses

ALLOWANCE FOR LOAN LOSSES

An analysis of the allowance for loan losses for the six month period ended June 30, 2019 and for the year ended December 31, 2018 is as follows:

	June 30,		December 31,
Dollars in thousands	2019		2018
Balance, beginning of year	$	13,047	$	12,565
Charge-offs:
Commercial	17		248
Commercial real estate
Owner occupied	2		38
Non-owner occupied	—		619
Construction and development
Land and land development	—		259
Construction	—		—
Residential real estate
Non-jumbo	418		887
Jumbo	—		—
Home equity	—		26
Mortgage warehouse lines	—		—
Consumer	194		244
Other	174		282
Total	805		2,603
Recoveries:
Commercial	7		16
Commercial real estate
Owner occupied	13		23
Non-owner occupied	—		—
Construction and development
Land and land development	104		270
Construction	—		—
Residential real estate
Non-jumbo	48		228
Jumbo	—		25
Home equity	15		10
Mortgage warehouse lines	—		—
Consumer	100		141
Other	73		122
Total	360		835
Net charge-offs	445		1,768
Provision for loan losses	550		2,250
Balance, end of period	$	13,152	$	13,047

The following table presents the activity in the allowance for loan losses, balance in the allowance for loan losses and recorded investment in loans by portfolio segment and based on impairment during the first six months of 2019 and for the year ended 2018:

	For the Six Months Ended June 30, 2019												At June 30, 2019								At June 30, 2019
	Allowance for loan losses												Allowance related to:								Loans
	Beginning  Balance		Charge- offs			Recoveries		Provision			Ending Balance		Loans individua- lly evaluated  for impairm- ent		Loans collective- ly evaluated for impairm- ent		Loans acquired  with deteriora- ted credit quality (PCI)		Total		Loans individua- lly evaluated for impairm- ent		Loans collective- ly evaluated for impairm- ent		Loans acquired with deteriora- ted credit quality (PCI)		Total
Commercial	$	1,705	$	(17	)	$	7	$	(491	)	$	1,204	$	30	$	1,174	$	—	$	1,204	$	5,484	$	198,654	$	—	$	204,138
Commercial real estate
Owner occupied	2,214		(2		)	13		480			2,705		444		2,261		—		2,705		11,782		251,119		—		262,901
Non-owner occupied	5,742		—			—		(104		)	5,638		—		5,547		91		5,638		10,814		562,601		1,262		574,677
Construction and development
Land and land development	339		—			104		119			562		521		41		—		562		2,123		65,646		—		67,769
Construction	64		—			—		254			318		—		318		—		318		—		46,975		—		46,975
Residential real estate
Non-jumbo	2,090		(418		)	48		485			2,205		678		1,517		10		2,205		6,076		353,383		1,293		360,752
Jumbo	379		—			—		(369		)	10		—		10		—		10		4,022		65,187		962		70,171
Home equity	167		—			15		(62		)	120		—		120		—		120		523		80,850		—		81,373
Mortgage warehouse lines	—		—			—		—			—		—		—		—		—		—		101,607		—		101,607
Consumer	79		(194		)	100		128			113		—		113		—		113		15		36,700		—		36,715
Other	268		(174		)	73		110			277		—		277		—		277		—		11,924		—		11,924
Total	$	13,047	$	(805	)	$	360	$	550		$	13,152	$	1,673	$	11,378	$	101	$	13,152	$	40,839	$	1,774,646	$	3,517	$	1,819,002

	For the Year Ended December 31, 2018												At December 31, 2018								At December 31, 2018
	Allowance for loan losses												Allowance related to:								Loans
	Beginning  Balance		Charge- offs			Recoveries		Provision			Ending Balance		Loans individua- lly evaluated  for impairm- ent		Loans collective- ly evaluated for impairm- ent		Loans acquired  with deteriora- ted credit quality (PCI)		Total		Loans individua- lly evaluated for impairm- ent		Loans collective- ly evaluated for impairm- ent		Loans acquired with deteriora- ted credit quality (PCI)		Total
Commercial	$	1,303	$	(248	)	$	16	$	634		$	1,705	$	682	$	1,023	$	—	$	1,705	$	4,362	$	189,953	$	—	$	194,315
Commercial real estate
Owner occupied	2,424		(38		)	23		(195		)	2,214		462		1,752		—		2,214		11,569		245,687		—		257,256
Non-owner occupied	4,950		(619		)	—		1,411			5,742		9		5,729		4		5,742		9,855		562,915		1,162		573,932
Construction and development
Land and land development	641		(259		)	270		(313		)	339		298		41		—		339		5,824		63,009		—		68,833
Construction	153		—			—		(89		)	64		—		64		—		64		—		24,731		—		24,731
Residential real estate
Non-jumbo	1,911		(887		)	228		838			2,090		585		1,495		10		2,090		6,261		329,342		1,374		336,977
Jumbo	72		—			25		282			379		106		273		—		379		4,953		67,671		975		73,599
Home equity	638		(26		)	10		(455		)	167		—		167		—		167		523		80,387		—		80,910
Mortgage warehouse lines	—		—			—		—			—		—		—		—		—		—		39,140		—		39,140
Consumer	210		(244		)	141		(28		)	79		—		79		—		79		9		32,451		—		32,460
Other	263		(282		)	122		165			268		—		268		—		268		—		12,899		—		12,899
Total	$	12,565	$	(2,603	)	$	835	$	2,250		$	13,047	$	2,142	$	10,891	$	14	$	13,047	$	43,356	$	1,648,185	$	3,511	$	1,695,052

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Goodwill And Other Intangible Assets

6 Months Ended

Jun. 30, 2019

Goodwill and Intangible Assets Disclosure [Abstract]

Goodwill and Other Intangible Assets

GOODWILL AND OTHER INTANGIBLE ASSETS

The following tables present our goodwill by reporting unit at June 30, 2019 and other intangible assets by reporting unit at June 30, 2019 and December 31, 2018.

	Goodwill Activity
Dollars in thousands	Community Banking		Insurance Services			Total
Balance, January 1, 2019	$	10,562	$	4,710		$	15,272
Reclassifications to goodwill	—		—			—
Acquired goodwill, net	1,855		—			1,855
Goodwill reduction in conjunction with sale of Summit Insurance Services, LLC	—		(4,710		)	(4,710		)
Balance, June 30, 2019	$	12,417	$	—		$	12,417

	Other Intangible Assets
	June 30, 2019						December 31, 2018
Dollars in thousands	Community Banking		Insurance Services		Total		Community Banking		Insurances Services		Total
Identifiable intangible assets
Gross carrying amount	$	14,727	$	3,000	$	17,727	$	12,598	$	3,000	$	15,598
Less: accumulated amortization	3,559		2,367		5,926		2,728		2,300		5,028
Less: customer intangible reduction in conjunction with sale of Summit Insurance Services, LLC	—		633		633		—		—		—
Net carrying amount	$	11,168	$	—	$	11,168	$	9,870	$	700	$	10,570

We recorded amortization expense of $897,000 and $848,000 for the six months ended June 30, 2019 and 2018, respectively, relative to our identifiable intangible assets.  

Amortization relative to our identifiable intangible assets is expected to approximate the following during the next five years:

	Core Deposit
Dollars in thousands	Intangible
2019	$	1,634
2020	1,513
2021	1,393
2022	1,273
2023	1,152

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Deposits

6 Months Ended

Jun. 30, 2019

Deposits [Abstract]

Deposits

DEPOSITS

The following is a summary of interest bearing deposits by type as of June 30, 2019 and December 31, 2018:

Dollars in thousands	June 30, 2019		December 31, 2018
Demand deposits, interest bearing	$	588,948	$	523,257
Savings deposits	301,403		284,173
Time deposits	672,745		605,276
Total	$	1,563,096	$	1,412,706

Included in time deposits are deposits acquired through a third party (“brokered deposits”) totaling $222.9 million and $220.5 million at June 30, 2019 and December 31, 2018, respectively.

A summary of the scheduled maturities for all time deposits as of June 30, 2019 is as follows:

Dollars in thousands
Six month period ending December 31, 2019	$	141,784
Year ending December 31, 2020	290,872
Year ending December 31, 2021	127,679
Year ending December 31, 2022	43,620
Year ending December 31, 2023	18,004
Thereafter	50,786
Total	$	672,745

The aggregate amount of time deposits in denominations that meet or exceed the FDIC insurance limit of $250,000 totaled $267.9 million at June 30, 2019 and $255.8 million at December 31, 2018.

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Borrowed Funds

6 Months Ended

Jun. 30, 2019

Debt Disclosure [Abstract]

Borrowed Funds

BORROWED FUNDS

Short-term borrowings:    A summary of short-term borrowings is presented below:

	Six Months Ended June 30,
	2019						2018
Dollars in thousands	Short-term FHLB Advances			Federal Funds Purchased and Lines of Credit			Short-term FHLB Advances			Federal Funds Purchased and Lines of Credit
Balance at June 30	$	225,200		$	143		$	199,900		$	2,529
Average balance outstanding for the period	192,895			777			211,884			3,497
Maximum balance outstanding at any month end during period	225,200			143			262,000			3,523
Weighted average interest rate for the period	2.72		%	2.48		%	1.87		%	1.65		%
Weighted average interest rate for balances
outstanding at June 30	2.51		%	2.50		%	2.19		%	2.00		%

	Year Ended December 31, 2018
Dollars in thousands	Short-term FHLB Advances			Federal Funds Purchased and Lines of Credit
Balance at December 31	$	303,950		5,134
Average balance outstanding for the period	223,764			4,378
Maximum balance outstanding at any month end     during period	303,950			7,534
Weighted average interest rate for the period	2.18		%	1.95	%
Weighted average interest rate for balances
outstanding at December 31	2.71		%	2.50	%

Long-term borrowings:  Our long-term borrowings of $726,000 and $735,000 at June 30, 2019 and December 31, 2018, respectively, consisted of advances from the Federal Home Loan Bank (“FHLB”) and structured repurchase agreements with unaffiliated institutions. All FHLB advances are collateralized primarily by similar amounts of residential mortgage loans, certain commercial loans, mortgage backed securities and securities of U. S. Government agencies and corporations.

	Balance at June 30,		Balance at   December 31,
Dollars in thousands	2019		2018
Long-term FHLB advances	$	726	$	735
Total	$	726	$	735

Our long term FHLB borrowings bear both fixed and variable rates and mature in varying amounts through the year 2026.

The average interest rate paid on long-term borrowings and long-term repurchase agreements for the six month period ended June 30, 2019 was 5.34% compared to 4.26% for the first six months of 2018.

Subordinated debentures owed to unconsolidated subsidiary trusts:  We have three statutory business trusts that were formed for the purpose of issuing mandatorily redeemable securities (the “capital securities”) for which we are obligated to third party investors and investing the proceeds from the sale of the capital securities in our junior subordinated debentures (the “debentures”).  The debentures held by the trusts are their sole assets.  Our subordinated debentures totaled $19.6 million at June 30, 2019 and December 31, 2018.

The capital securities held by SFG Capital Trust I, SFG Capital Trust II, and SFG Capital Trust III qualify as Tier 1 capital under Federal Reserve Board guidelines.  In accordance with these Guidelines, trust preferred securities generally are limited to 25% of Tier 1 capital elements, net of goodwill.  The amount of trust preferred securities and certain other elements in excess of the limit can be included in Tier 2 capital.

A summary of the maturities of all long-term borrowings and subordinated debentures for the next five years and thereafter is as follows:

Dollars in thousands		Long-term borrowings		Subordinated debentures owed to unconsolidated subsidiary trusts
Year Ending December 31,	2019	$	9	$	—
	2020	18		—
	2021	20		—
	2022	21		—
	2023	22		—
	Thereafter	636		19,589
		$	726	$	19,589

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Share Based Compensation

6 Months Ended

Jun. 30, 2019

Disclosure of Compensation Related Costs, Share-based Payments [Abstract]

Share Based Compensation

SHARE-BASED COMPENSATION

The 2014 Long-Term Incentive Plan (“2014 LTIP”) was adopted by our shareholders in May 2014 to enhance the ability of the Company to attract and retain exceptionally qualified individuals to serve as key employees. The LTIP provides for the issuance of up to 500,000 shares of common stock, in the form of equity awards including stock options, restricted stock, restricted stock units, stock appreciation rights ("SARs"), performance units, other stock-based awards or any combination thereof,  to our key employees. 

Stock options awarded under the 2009 Officer Stock Option Plan and the 1998 Officer Stock Option Plan (collectively, the “Plans”) were not altered by the 2014 LTIP, and remain subject to the terms of the Plans.  However, under the terms of the 2014 LTIP, all shares of common stock remaining issuable under the Plans at the time the 2014 LTIP was adopted ceased to be available for future issuance.

Under the 2014 LTIP and the Plans, stock options and SARs have generally been granted with an exercise price equal to the fair value of Summit's common stock on the grant date. We periodically grant employee stock options to individual employees. During first quarter 2019, we granted 109,819 SARs that become exercisable ratably over five years (20% per year) and expire ten years after the grant date and granted 28,306 SARS that become exercisable ratably over seven years (14.29% per year) and expire ten years after the grant date.

The fair value of our employee stock options and SARs granted under the Plans is estimated at the date of grant using the Black-Scholes option-pricing model. This model requires the input of highly subjective assumptions, changes to which can materially affect the fair value estimate. Additionally, there may be other factors that would otherwise have a significant effect on the value of employee stock options and SARs granted but are not considered by the model. Because our employee stock options and SARs have characteristics significantly different from those of traded options and because changes in the subjective input assumptions can materially affect the fair value estimate, in management’s opinion, the existing models do not necessarily provide a reliable single measure of the fair value of its employee stock options and SARs at the time of grant. The assumptions used to value SARs granted during 2019 were as follows:

	5-year vesting SARs		7-year vesting SARs
Risk-free interest rate	2.43	%	2.51	%
Expected dividend yield	2.30	%	2.30	%
Expected common stock volatility	35.71	%	40.84	%
Expected life	6.5 years		7.0 years

We recognize compensation expense based on the estimated number of stock awards expected to actually vest, exclusive of the awards expected to be forfeited.  During the first six months of 2019 and 2018, our share-based compensation expense was $281,000 and $193,000 and the related deferred tax benefits were approximately $67,000 and $46,000.

A summary of activity in our Plans during the first six months of 2019 and 2018 is as follows:

	For the Six Months Ended June 30,
	2019
	Options/SARs		Aggregate Intrinsic Value (in thousands)		Remaining Contractual Term (Yrs.)	Weighted-Average Exercise Price
Outstanding, January 1	232,091					$	17.36
Granted	138,125					23.94
Exercised	(31,413	)				11.83
Forfeited	—					—
Expired	—					—
Outstanding, June 30	338,803		$	2,132	7.66	$	20.56
Exercisable, June 30	112,989		$	1,189	5.84	$	16.32

	For the Six Months Ended June 30,
	2018
	Options/SARs		Aggregate Intrinsic Value (in thousands)		Remaining Contractual Term (Yrs.)	Weighted-Average Exercise Price
Outstanding, January 1	250,291					$	17.75
Granted	—					—
Exercised	(200	)				17.79
Forfeited	(3,000	)				26.01
Expired	—					—
Outstanding, June 30	247,091		$	2,272	6.83	$	17.65
Exercisable, June 30	110,924		$	1,225	5.72	$	15.80

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Commitments And Contingencies

6 Months Ended

Jun. 30, 2019

Commitments and Contingencies Disclosure [Abstract]

Commitments and Contingencies

COMMITMENTS AND CONTINGENCIES

Off-Balance Sheet Arrangements

We are a party to certain financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of our customers.  These instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the statement of financial position.  The contract amounts of these instruments reflect the extent of involvement that we have in this class of financial instruments.

Many of our lending relationships contain both funded and unfunded elements.  The funded portion is reflected on our balance sheet.  The unfunded portion of these commitments is not recorded on our balance sheet until a draw is made under the loan facility.  Since many of the commitments to extend credit may expire without being drawn upon, the total commitment amounts do not necessarily represent future cash flow requirements.

A summary of the total unfunded, or off-balance sheet, credit extension commitments follows:

Dollars in thousands	June 30, 2019
Commitments to extend credit:
Revolving home equity and credit card lines	$	69,381
Construction loans	127,139
Other loans	163,887
Standby letters of credit	5,784
Total	$	366,191

Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract.  Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee.  We evaluate each customer's credit worthiness on a case-by-case basis.  The amount of collateral obtained, if we deem necessary upon extension of credit, is based on our credit evaluation.  Collateral held varies but may include accounts receivable, inventory, equipment or real estate.

Standby letters of credit are conditional commitments issued to guarantee the performance of a customer to a third party.  Standby letters of credit generally are contingent upon the failure of the customer to perform according to the terms of the underlying contract with the third party.

Our exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit is represented by the contractual amount of those instruments.  We use the same credit policies in making commitments and conditional obligations as we do for on-balance sheet instruments.

Operating leases

We occupy certain facilities under long-term operating leases.  The aggregate minimum annual rental commitments under those leases total approximately $115,000 in 2019 and $92,000 in 2020.  Total net rent expense included in the accompanying consolidated financial statements was $100,000 for the six months ended June 30, 2019 and $140,000 for the six months ended June 30, 2018.

Litigation

We are not a party to litigation except for matters that arise in the normal course of business.  While it is impossible to ascertain the ultimate resolution or range of financial liability if any, with respect to these contingent matters, in the opinion of management, the outcome of these matters will not have a significant adverse effect on the consolidated financial statements.

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Regulatory Matters

6 Months Ended

Jun. 30, 2019

Banking and Thrift [Abstract]

Regulatory Matters

REGULATORY MATTERS

Our bank subsidiary, Summit Community Bank, Inc. (“Summit Community”), is subject to various regulatory capital requirements administered by the banking regulatory agencies. Under the capital adequacy guidelines and the regulatory framework for prompt corrective action, Summit Community must meet specific capital guidelines that involve quantitative measures of its assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices.  Our bank subsidiary’s capital amounts and classifications are also subject to qualitative judgments by the regulators about components, risk weightings and other factors. Quantitative measures established by regulation to ensure capital adequacy require Summit Community to maintain minimum amounts and ratios of Common Equity Tier 1("CET1"), Total capital and Tier I capital (as defined in the regulations) to risk-weighted assets (as defined), and of Tier I capital (as defined) to average assets (as defined).  We believe, as of June 30, 2019, that our bank subsidiary met all capital adequacy requirements to which they were subject.

The most recent notifications from the banking regulatory agencies categorized Summit Community as well capitalized under the regulatory framework for prompt corrective action.  To be categorized as well capitalized, Summit Community must maintain minimum CET1, Total risk-based, Tier I risk-based, and Tier I leverage ratios as set forth in the table below.

The Basel III Capital Rules became effective for us on January 1, 2015, with full compliance with all of the final rule's requirements phased-in over a multi-year schedule, to be fully phased-in by January 1, 2019. As of June 30, 2019, Summit Community’s capital levels remained characterized as "well-capitalized" under the new rules. See the Capital Requirements section included in Part I, Item 1 -- Business of our 2018 Annual Report on Form 10-K for further discussion of Basel III.

On August 28, 2018, the Federal Reserve Board (the “Board”) issued an interim final rule expanding the applicability of the Board's small bank holding company policy statement, as required by the Economic Growth, Regulatory Relief, and Consumer Protection Act of 2018. The interim final rule raises the small bank holding company policy statement's asset threshold from $1 billion to $3 billion in total consolidated assets, and as a result, our holding company was exempted from all regulatory capital guidelines, to which it previously had been subject, until such time as its consolidated assets exceed $3 billion.

The following table presents Summit's, as well as Summit Community's, actual and required minimum capital amounts and ratios as of June 30, 2019 and December 31, 2018 under the Basel III Capital Rules.  The minimum required capital levels presented below reflect the minimum required capital levels (inclusive of the full capital conservation buffers) that will be effective as of January 1, 2019 when the Basel III Capital Rules have been fully phased-in.  Capital levels required to be considered well capitalized are based upon prompt corrective action regulations, as amended to reflect the changes under the Basel III Capital Rules.

	Actual				Minimum Required Capital - Basel III Fully Phased-in			Minimum Required To Be Well Capitalized
Dollars in thousands	Amount		Ratio		Amount	Ratio		Amount	Ratio
As of June 30, 2019
CET1 (to risk weighted assets)
Summit	$	212,502	11.1	%	N/A	N/A		N/A	N/A
Summit Community	228,143		11.9	%	134,202	7.0	%	124,616	6.5	%
Tier I Capital (to risk weighted assets)
Summit	231,502		12.1	%	N/A	N/A		N/A	N/A
Summit Community	228,143		11.9	%	162,959	8.5	%	153,373	8.0	%
Total Capital (to risk weighted assets)
Summit	244,654		12.8	%	N/A	N/A		N/A	N/A
Summit Community	241,295		12.6	%	201,079	10.5	%	191,504	10.0	%
Tier I Capital (to average assets)
Summit	231,502		10.4	%	N/A	N/A		N/A	N/A
Summit Community	228,143		10.2	%	89,468	4.0	%	111,835	5.0	%

	Actual			Minimum Required Capital - Basel III Fully Phased-in			Minimum Required To Be Well Capitalized
Dollars in thousands	Amount	Ratio		Amount	Ratio		Amount	Ratio
As of December 31, 2018
CET1 (to risk weighted assets)
Summit	197,551	11.1	%	N/A	N/A		N/A	N/A
Summit Community	213,930	12.0	%	124,793	7.0	%	115,879	6.5	%
Tier I Capital (to risk weighted assets)
Summit	216,551	12.2	%	N/A	N/A		N/A	N/A
Summit Community	213,930	12.0	%	151,534	8.5	%	142,620	8.0	%
Total Capital (to risk weighted assets)
Summit	229,598	12.9	%	N/A	N/A		N/A	N/A
Summit Community	226,977	12.8	%	186,192	10.5	%	177,326	10.0	%
Tier I Capital (to average assets)
Summit	216,551	10.1	%	N/A	N/A		N/A	N/A
Summit Community	213,930	10.0	%	85,572	4.0	%	106,965	5.0	%

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Derivative Financial Instruments

6 Months Ended

Jun. 30, 2019

Derivative Instruments and Hedging Activities Disclosure [Abstract]

Derivative Financial Instruments

DERIVATIVE FINANCIAL INSTRUMENTS

We have entered into four forward-starting, pay-fixed/receive LIBOR interest rate swaps.  $40 million notional with an effective date of July 18, 2016, was designated as a cash flow hedge of $40 million of forecasted variable rate Federal Home Loan Bank advances.  Under the terms of this swap we will pay a fixed rate of 2.98% for a 3 year period.  $30 million notional with an effective date of April 18, 2016, was designated as a cash flow hedge of $30 million of forecasted variable rate Federal Home Loan Bank advances.  Under the terms of this swap we will pay a fixed rate of 2.89% for a 4.5 year period.   $40 million notional with an effective date of October 18, 2016,  was designated as a cash flow hedge of $40 million of forecasted variable rate Federal Home Loan Bank advances.  Under the terms of the swap we will pay a fixed rate of 2.84% for a 3 year period. $40 million notional with an effective date of October 18, 2019, was designated as a cash flow hedge of $40 million of forecasted variable rate Federal Home Loan Bank advances. Under the terms of this swap we will pay a fixed rate of 2.19% for a 2 year period.

We have entered into two pay fixed/receive variable interest rate swaps to hedge fair value variability of two commercial fixed rate loans with the same principal, amortization, and maturity terms of the underlying loans, which are designated as fair value hedges. Under the terms of a $9.95 million original notional swap with an effective date of January 15, 2015, we will pay a fixed rate of 4.33% for a 10 year period. Under the terms of a $11.3 million original notional swap with an effective date of December 18, 2015, we will pay a fixed rate of 4.30% for a 10 year period.

A summary of our derivative financial instruments as of June 30, 2019 and December 31, 2018 follows:

	June 30, 2019
	Notional Amount		Derivative Fair Value				Net Ineffective
Dollars in thousands			Asset		Liability		Hedge Gains/(Losses)
CASH FLOW HEDGES
Pay-fixed/receive-variable interest rate swaps
Short term borrowings	$	150,000	$	—	$	968	$	—
FAIR VALUE HEDGES
Pay-fixed/receive-variable interest rate swaps
Commercial real estate loans	$	19,107	$	—	$	279	$	—

	December 31, 2018
	Notional Amount		Derivative Fair Value				Net Ineffective
Dollars in thousands			Asset		Liability		Hedge Gains/(Losses)
CASH FLOW HEDGES
Pay-fixed/receive-variable interest rate swaps
Short term borrowings	$	110,000	$	—	$	411	$	—
FAIR VALUE HEDGES
Pay-fixed/receive-variable interest rate swaps
Commercial real estate loans	$	19,399	$	555	$	—	$	—

Loan commitments:  ASC Topic 815, Derivatives and Hedging, requires that commitments to make mortgage loans should be accounted for as derivatives if the loans are to be held for sale, because the commitment represents a written option and accordingly is recorded at the fair value of the option liability.

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Acquisitions Acquisitions

6 Months Ended

Jun. 30, 2019

Business Combinations [Abstract]

Business Combination Disclosure [Text Block]

ACQUISITIONS

Peoples Bankshares, Inc.

On January 1, 2019, Summit Community Bank, Inc. ("SCB"), a wholly-owned subsidiary of Summit, acquired 100% of the ownership of Peoples Bankshares, Inc. ("PBI") and its subsidiary First Peoples Bank, headquartered in Mullens, West Virginia. With this transaction, Summit further expands its footprint in Wyoming and Raleigh Counties of West Virginia. Pursuant to the Agreement and Plan of Merger dated July 24, 2018, PBI's shareholders received cash in the amount of $47.00 per share or 1.7193 shares of Summit common stock, or a combination of cash and Summit stock, subject to proration to result in approximately 50% cash and 50% stock consideration in the aggregate. Total stock consideration was $9.0 million or 465,931 shares of Summit common stock and cash consideration was $12.7 million. PBI's assets and liabilities approximated $133 million and $113 million, respectively, at December 31, 2018.

We accounted for the acquisition using the acquisition method of accounting in accordance with ASC 805, Business Combinations and accordingly, the assets and liabilities of PBI were recorded at their respective acquisition date fair values. Determining the fair value of assets and liabilities, particularly related to the loan portfolio, is a complicated process involving significant judgment regarding methods and assumptions used to calculate the estimated fair values. The fair values are preliminary and subject to refinement for up to one year after the acquisition date as additional information relative to the acquisition date fair values becomes available. We recognized goodwill of $1.85 million in connection with the acquisition, which is not amortized for financial reporting purposes, but is subject to annual impairment testing. The core deposit intangible represents the value of long-term deposit relationships acquired in this transaction and will be amortized over an estimated weighted average life of 15 years using an accelerated method which approximates the estimated run-off of the acquired deposits. The following table details the total consideration paid on January 1, 2019 in connection with the acquisition of PBI, the fair values of the assets acquired and liabilities assumed and the resulting preliminary goodwill.

(Dollars in thousands)	As Recorded by PBI			Estimated Fair Value Adjustments			Estimated Fair Values as Recorded by Summit
Cash consideration							$	12,740
Stock consideration							8,997
Total consideration							21,737
Identifiable assets acquired:
Cash and cash equivalents	$	33,422		$	(93	)	$	33,329
Securities available for sale, at fair value	55,206			(93		)	55,113
Loans
Purchased performing	42,376			(977		)	41,399
Purchased credit impaired	—			—			—
Allowance for loan losses	(410		)	410			—
Premises and equipment	1,382			(567		)	815
Property held for sale	—			—			—
Core deposit intangibles	—			2,129			2,129
Other assets	1,110			(100		)	1,010
Total identifiable assets acquired	$	133,086		$	709		$	133,795
Identifiable liabilities assumed:
Deposits	112,064			315			112,379
Other liabilities	1,422			111			1,533
Total identifiable liabilities assumed	$	113,486		$	426		$	113,912
Net identifiable assets acquired	$	19,600		$	283		$	19,883
Goodwill resulting from acquisition							$	1,854

The following is a description of the methods used to determine the fair values of significant assets and liabilities presented above.

Cash and cash equivalents: The carrying amount of these assets approximates their fair value based on the short-term nature of these assets, with the exception of certificates of deposits held at other banks, which were adjusted to fair value based upon current interest rates.

Securities: Fair values for securities are based on quoted market prices, where available. If quoted market prices are not available, fair value estimates are based on observable inputs including quoted market prices for similar instruments, quoted market prices that are not in an active market or other inputs that are observable in the market.

Loans: Fair values for loans are based on a discounted cash flow methodology that considered factors including the type of loan and related collateral, collectibility, fixed or variable interest rate, term of loan, amortization status and current market rates. Loans were grouped together according to similar characteristics and were treated in the aggregate when applying various valuation techniques. The discount rates used for loans are based on current market rates for new originations of comparable loans and include adjustments for liquidity concerns, if any.

Premises and equipment: The fair value of PBI's real property was determined based upon appraisals by licensed appraisers. The fair value of tangible personal property, which is not material, was assumed to equal the carrying value by PBI.

Core deposit intangible: This intangible asset represents the value of the relationships with deposit customers. The fair value was estimated based on a discounted cash flow methodology that gave appropriate consideration to expected customer attrition rates, cost of the deposit base, reserve requirements and the net maintenance cost attributable to customer deposits.

Deposits: The fair values of the demand and savings deposits by definition equal the amount payable on demand at the acquisition date. The fair values for time deposits are estimated using a discounted cash flow calculation that applies interest rates currently being offered to the contractual interest rates on such time deposits.

Loans acquired in a business combination are recorded at estimated fair value on the date of acquisition without the carryover of the related allowance for loan losses. Purchased credit-impaired (PCI) loans are those for which there is evidence of credit deterioration since origination and for which it is probable at the date of acquisition that we will not collect all contractually required principal and interest payments. When determining fair value, PCI loans are identified as of the date of acquisition based upon evidence of credit quality such as internal risk grades and past due and nonaccrual status. The difference between contractually required payments of principal and interest at acquisition and the cash flows expected to be collected at acquisition is accounted for as a"nonaccretable difference," and is available to absorb future credit losses on those loans. For purposes of determining the nonaccretable difference, no prepayments are generally assumed in determining contractually required payments of principal and interest or cash flows expected to be collected. Subsequent decreases to the expected cash flows will generally result in a provision for loan losses. Subsequent significant increases in cash flows may result in a reversal of the provision for loan losses to the extent of prior charges, or a transfer from nonaccretable difference to accretable yield. Further, any excess of cash flows expected at acquisition over the estimated fair value is accounted for as accretable yield and is recognized as interest income over the remaining life of the loan when there is a reasonable expectation about the amount and timing of such cash flows. No acquired PBI loans were designated as PCI loans.

Loans not designated PCI loans as of the acquisition date are designated purchased performing loans. We account for purchased performing loans using the contractual cash flows method of recognizing discount accretion based on the acquired loans’ contractual cash flows. Purchased performing loans are recorded at fair value, including a credit discount. The fair value discount is accreted as an adjustment to yield over the estimated lives of the loans. There is no allowance for loan losses established at the acquisition date for purchased performing loans. A provision for loan losses is recorded for any deterioration in these loans subsequent to the acquisition.

The following presents the financial effects of adjustments recognized in the statements of income for the three and six months ended June 30, 2019 and 2018 related to business combinations that occurred during 2016, 2017 and 2018.

	Income increase (decrease)
Dollars in thousands	Three Months Ended June 30,						Six Months Ended June 30,
	2019			2018			2019			2018
Interest and fees on loans	$	425		$	56		$	467		$	201
Interest expense on deposits	82			53			170			114
Amortization of intangibles	(404		)	(363		)	(830		)	(748		)
Income before income tax expense	$	103		$	(254	)	$	(193	)	$	(433	)

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Accumulated Other Comprehensive Income (Loss) Accumulated Other Comprehensive Income (Loss)

6 Months Ended

Jun. 30, 2019

Accumulated Other Comprehensive Income (Loss) [Abstract]

Comprehensive Income (Loss) Note [Text Block]

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)

The following is changes in accumulated other comprehensive income (loss) by component, net of tax, for the three and six months ending June 30, 2019 and 2018.

				For the Three Months Ended   June 30, 2019
Dollars in thousands	Gains and Losses on Pension Plan			Gains and Losses on Other Post-Retirement Benefits		Gains and Losses on Cash Flow Hedges			Unrealized Gains (Losses) on Available-for-Sale Securities			Total
Beginning balance	$	(328	)	$	139	$	(323	)	$	1,626		$	1,114
Other comprehensive income (loss) before reclassification	—			—		(414		)	2,346			1,932
Amounts reclassified from accumulated other comprehensive income	—			—		—			(825		)	(825		)
Net current period other comprehensive income (loss)	—			—		(414		)	1,521			1,107
Ending balance	$	(328	)	$	139	$	(737	)	$	3,147		$	2,221

	For the Three Months Ended   June 30, 2018
Dollars in thousands	Gains and Losses on Other Post-Retirement Benefits		Gains and Losses on Cash Flow Hedges			Unrealized Gains (Losses) on Available-for-Sale Securities			Total
Beginning balance	$	398	$	(849	)	$	(437	)	$	(888	)
Other comprehensive (loss) income before reclassification	—		377			(409		)	(32		)
Amounts reclassified from accumulated other comprehensive income	—		—			(66		)	(66		)
Net current period other comprehensive (loss) income	—		377			(475		)	(98		)
Ending balance	$	398	$	(472	)	$	(912	)	$	(986	)

				For the Six Months Ended   June 30, 2019
Dollars in thousands	Gains and Losses on Pension Plan			Gains and Losses on Other Post-Retirement Benefits		Gains and Losses on Cash Flow Hedges			Unrealized Gains (Losses) on Available-for-Sale Securities			Total
Beginning balance	$	—		$	139	$	(314	)	$	(841	)	$	(1,016	)
Other comprehensive income (loss) before reclassification	(328		)	—		(423		)	4,810			4,059
Amounts reclassified from accumulated other comprehensive income	—			—		—			(822		)	(822		)
Net current period other comprehensive income (loss)	(328		)	—		(423		)	3,988			3,237
Ending balance	$	(328	)	$	139	$	(737	)	$	3,147		$	2,221

	For the Six Months Ended   June 30, 2018
Dollars in thousands	Gains and Losses on Other Post-Retirement Benefits		Gains and Losses on Cash Flow Hedges			Unrealized Gains (Losses) on Available-for-Sale Securities			Total
Beginning balance	$	398	$	(1,564	)	$	2,898		$	1,732
Other comprehensive (loss) income before reclassification	—		1,092			(3,188		)	(2,096		)
Amounts reclassified from accumulated other comprehensive income	—		—			(622		)	(622		)
Net current period other comprehensive (loss) income	—		1,092			(3,810		)	(2,718		)
Ending balance	$	398	$	(472	)	$	(912	)	$	(986	)

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Income Taxes Income Taxes

6 Months Ended

Jun. 30, 2019

Income Tax Disclosure [Abstract]

Income Tax Disclosure [Text Block]

INCOME TAXES

Our income tax expense for the three months ended June 30, 2019 and June 30, 2018 totaled $1.9 million and $1.7 million, respectively. For the six months ended June 30, 2019 and June 30, 2018 our income tax expense totaled $3.5 million. Our effective tax rate (income tax expense as a percentage of income before taxes) for the quarters ended June 30, 2019 and 2018 was 18.0% and 20.9%, respectively, and for the six months ended June 30, 2019 and 2018 were 18.2% and 20.5%, respectively. A reconciliation between the statutory income tax rate and our effective income tax rate for the three and six months ended June 30, 2019 and 2018 is as follows:

	For the Three Months Ended June 30,				For the Six Months Ended June 30,
	2019		2018		2019		2018
Dollars in thousands	Percent		Percent		Percent		Percent
Applicable statutory rate	21.0	%	21.0	%	21.0	%	21.0	%
Increase (decrease) in rate resulting from:
Tax-exempt interest and dividends, net	(1.9	)%	(3.2	)%	(2.2	)%	(2.9	)%
State income taxes, net of Federal income tax benefit	1.6	%	2.3	%	1.8	%	2.2	%
Low-income housing and rehabilitation tax credits	(0.9	)%	(1.2	)%	(0.7	)%	(1.1	)%
Other, net	(1.8	)%	2.0	%	(1.7	)%	1.3	%
Effective income tax rate	18.0	%	20.9	%	18.2	%	20.5	%

The components of applicable income tax expense for the three and six months ended June 30, 2019 and 2018 are as follows:

	For the Three Months Ended June 30,					For the Six Months Ended June 30,
Dollars in thousands	2019		2018			2019			2018
Current
Federal	$	1,596	$	1,464		$	3,247		$	3,217
State	206		233			470			510
	1,802		1,697			3,717			3,727
Deferred
Federal	68		(34		)	(206		)	(167		)
State	10		(5		)	(30		)	(26		)
	78		(39		)	(236		)	(193		)
Total	$	1,880	$	1,658		$	3,481		$	3,534

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Revenue Recognition Revenue from Contracts with Customers (Notes)

6 Months Ended

Jun. 30, 2019

Revenue from Contracts with Customers [Abstract]

Revenue from Contracts with Customers

REVENUE FROM CONTRACTS WITH CUSTOMERS

Interest income, loan fees, realized securities gains and losses, bank owned life insurance income and mortgage banking revenue are not in the scope of ASC Topic 606, Revenue from Contracts with Customers. With the exception of gains or losses on sales of foreclosed properties, all of our revenue from contracts with customers in the scope of ASC 606 is recognized within Noninterest Income in the Consolidated Statements of Income. Incremental costs of obtaining a contract are expensed when incurred when the amortization period is one year or less.

A description of our significant sources of revenue accounted for under ASC 606 follows:

Service fees on deposit accounts are fees we charge our deposit customers for transaction-based, account maintenance and overdraft services. Transaction-based fees, which are earned based on specific transactions or customer activity within a customer’s deposit account, are recognized at the time the related transaction or activity occurs, as it is at this point when we fulfill the customer’s request. Account maintenance fees, which relate primarily to monthly maintenance, are earned over the course of a month, representing the period over which Summit satisfied the performance obligation. Overdraft fees are recognized when the overdraft occurs. Service fees on deposit accounts are paid through a direct charge to the customer’s account.

Bank card revenue is comprised of interchange revenue and ATM fees. Interchange revenue is earned when Summit’s debit and credit cardholders conduct transactions through Mastercard and other payment networks. Interchange fees represent a percentage of the underlying cardholder’s transaction value and are generally recognized daily, concurrent with the transaction processing services provided to the cardholder. ATM fees are earned when a non-Summit cardholder uses a Summit ATM. ATM fees are recognized daily, as the related ATM transactions are settled.

Trust and wealth management fees consist of 1) trust fees and 2) commissions earned from an independent, third-party broker-dealer. We earn trust fees from our contracts with trust clients to administer or manage assets for investment. Trust fees are earned over time (generally monthly) as Summit provides the contracted services and are assessed based on the value of assets under management at each month-end. We earn commissions from investment brokerage services provided to our clients by an independent, third-party broker-dealer. We receive monthly commissions from the third-party broker-dealer based upon client activity for the previous month.

Insurance commissions principally consisted of commissions we earned as agents of insurers for selling group employee benefit and property and casualty insurance products to clients prior to May 1, 2019 (the sale date of SIS). Group employee benefit insurance commissions were recognized over time (generally monthly) as the related customary implied servicing obligations of group policyholders were fulfilled. Property and casualty insurance commissions were recognized using methods which approximated the time of placement of the underlying policy. We were paid insurance commissions ratably as the related policy premiums were paid by clients.

The following table illustrates our total non-interest income segregated by revenues within the scope of ASC Topic 606 and those which are within the scope of other ASC Topics: 

	Three Months Ended June 30,				Six Months Ended June 30,
Dollars in thousands	2019		2018		2019		2018
Service fees on deposit accounts	$	1,224	$	1,116	$	2,405	$	2,207
Bank card revenue	893		801		1,707		1,550
Trust and wealth management fees	612		672		1,198		1,339
Insurance commissions	606		1,013		1,780		2,126
Other	70		58		158		137
Net revenue from contracts with customers	3,405		3,660		7,248		7,359
Non-interest income within the scope of other ASC topics	3,405		488		3,792		1,664
Total noninterest income	$	6,810	$	4,148	$	11,040	$	9,023

Gain or loss on sale of foreclosed properties is recorded when control of the property transfers to the buyer, which generally occurs at the time of transfer of the deed. If Summit finances the sale of a foreclosed property to the buyer, we assess whether the buyer is committed to perform their obligations under the contract and whether collectability of the transaction price is probable. Once these criteria are met, the foreclosed property is derecognized and the gain or loss on sale is recorded upon transfer of control of the property to the buyer. For the three months ended June 30, 2019 and June 30, 2018, net losses on sales of foreclosed properties were $(156,000) and $(58,000), respectively. For the six months ended June 30, 2019 and June 30, 2018, net (losses)/gains on sales of foreclosed properties were $(158,000) and $6,000, respectively.

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Fair Value Measurements (Tables)

6 Months Ended

Jun. 30, 2019

Fair Value Disclosures [Abstract]

Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis

The table below presents the recorded amount of assets and liabilities measured at fair value on a recurring basis.

	Balance at		Fair Value Measurements Using:
Dollars in thousands	June 30, 2019		Level 1		Level 2		Level 3
Securities available for sale
U.S. Government sponsored agencies	$	23,724	$	—	$	23,724	$	—
Mortgage backed securities:
Government sponsored agencies	75,334		—		75,334		—
Nongovernment sponsored entities	9,170		—		9,170		—
State and political subdivisions	23,365		—		23,365		—
Corporate debt securities	16,972		—		16,972		—
Asset-backed securities	33,452		—		33,452		—
Tax-exempt state and political subdivisions	87,903		—		87,903		—
Total securities available for sale	$	269,920	$	—	$	269,920	$	—
Derivative financial assets
Interest rate swaps	$	—	$	—	$	—	$	—
Derivative financial liabilities
Interest rate swaps	$	1,247	$	—	$	1,247	$	—

	Balance at		Fair Value Measurements Using:
Dollars in thousands	December 31, 2018		Level 1		Level 2		Level 3
Securities available for sale
U.S. Government sponsored agencies	$	26,140	$	—	$	26,140	$	—
Mortgage backed securities:
Government sponsored agencies	80,309		—		80,309		—
Nongovernment sponsored entities	614		—		614		—
State and political subdivisions	19,243		—		19,243		—
Corporate debt securities	14,512		—		14,512		—
Asset-backed securities	25,175		—		25,175		—
Tax-exempt state and political subdivisions	127,154		—		127,154		—
Total securities available for sale	$	293,147	$	—	$	293,147	$	—
Derivative financial assets
Interest rate swaps	$	555	$	—	$	555	$	—
Derivative financial liabilities
Interest rate swaps	$	411	$	—	$	411	$	—

Fair Value Measurements, Nonrecurring

Assets measured at fair value on a nonrecurring basis are included in the table below.

	Balance at		Fair Value Measurements Using:
Dollars in thousands	June 30, 2019		Level 1		Level 2		Level 3
Residential mortgage loans held for sale	$	314	$	—	$	314	$	—
Collateral-dependent impaired loans
Commercial	$	238	$	—	$	8	$	230
Commercial real estate	420		$	—	420		—
Construction and development	515		$	—	515		—
Residential real estate	717		—		646		71
Total collateral-dependent impaired loans	$	1,890	$	—	$	1,589	$	301
Property held for sale
Commercial real estate	$	1,414	$	—	$	1,414	$	—
Construction and development	14,427		—		14,427		—
Residential real estate	783		—		783		—
Total property held for sale	$	16,624	$	—	$	16,624	$	—

	Balance at		Fair Value Measurements Using:
Dollars in thousands	December 31, 2018		Level 1		Level 2		Level 3
Residential mortgage loans held for sale	$	400	$	—	$	400	$	—
Collateral-dependent impaired loans
Commercial	$	2,660	$	—	$	2,611	$	49
Commercial real estate	420		—		420		—
Construction and development	759		—		759		—
Residential real estate	763		—		763		—
Total collateral-dependent impaired loans	$	4,602	$	—	$	4,553	$	49
Property held for sale
Commercial real estate	$	1,677	$	—	$	1,677	$	—
Construction and development	16,363		—		16,363		—
Residential real estate	403		—		403		—
Total property held for sale	$	18,443	$	—	$	18,443	$	—

Fair Value, by Balance Sheet Grouping

The carrying values and estimated fair values of our financial instruments are summarized below:

	June 30, 2019				Fair Value Measurements Using:
Dollars in thousands	Carrying Value		Estimated Fair Value		Level 1		Level 2		Level 3
Financial assets
Cash and cash equivalents	$	56,475	$	56,475	$	—	$	56,475	$	—
Securities available for sale	269,920		269,920		—		269,920		—
Other investments	14,238		14,238		—		14,238		—
Loans held for sale, net	314		314		—		314		—
Loans, net	1,805,850		1,808,046		—		1,589		1,806,457
Accrued interest receivable	8,909		8,909		—		8,909		—
Derivative financial assets	—		—		—		—		—
	$	2,155,706	$	2,157,902	$	—	$	351,445	$	1,806,457
Financial liabilities
Deposits	$	1,797,493	$	1,803,314	$	—	$	1,803,314	$	—
Short-term borrowings	225,343		225,343		—		225,343		—
Long-term borrowings	726		867		—		867		—
Subordinated debentures owed to unconsolidated subsidiary trusts	19,589		19,589		—		19,589		—
Accrued interest payable	1,370		1,370		—		1,370		—
Derivative financial liabilities	1,247		1,247		—		1,247		—
	$	2,045,768	$	2,051,730	$	—	$	2,051,730	$	—

	December 31, 2018				Fair Value Measurements Using:
Dollars in thousands	Carrying Value		Estimated Fair Value		Level 1		Level 2		Level 3
Financial assets
Cash and cash equivalents	$	59,540	$	59,540	$	—	$	59,540	$	—
Securities available for sale	293,147		293,147		—		293,147		—
Other investments	16,635		16,635		—		16,635		—
Loans held for sale, net	400		400		—		400		—
Loans, net	1,682,005		1,666,834		—		4,553		1,662,281
Accrued interest receivable	8,708		8,708		—		8,708		—
Derivative financial assets	555		555		—		555		—
	$	2,060,990	$	2,045,819	$	—	$	383,538	$	1,662,281
Financial liabilities
Deposits	$	1,634,826	$	1,631,456	$	—	$	1,631,456	$	—
Short-term borrowings	309,084		309,084		—		309,084		—
Long-term borrowings	735		843		—		843		—
Subordinated debentures owed to unconsolidated subsidiary trusts	19,589		19,589		—		19,589		—
Accrued interest payable	1,102		1,102		—		1,102		—
Derivative financial liabilities	411		411		—		411		—
	$	1,965,747	$	1,962,485	$	—	$	1,962,485	$	—

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Earnings Per Share (Tables)

6 Months Ended

Jun. 30, 2019

Earnings Per Share [Abstract]

Schedule of Earnings Per Share, Basic and Diluted

The computations of basic and diluted earnings per share follow:

	For the Three Months Ended June 30,
	2019					2018
Dollars in thousands,except per share amounts	Net Income (Numerator)		Common Shares (Denominator)	Per Share		Net Income (Numerator)		Common Shares (Denominator)	Per Share
Net income	$	8,564				$	6,280
Basic earnings per share	$	8,564	12,539,095	$	0.68	$	6,280	12,366,522	$	0.51
Effect of dilutive securities:
Stock options			5,052					7,814
Stock appreciation rights (SARs)			55,924					57,648
Diluted earnings per share	$	8,564	12,600,071	$	0.68	$	6,280	12,431,984	$	0.51

	For the Six Months Ended June 30,
	2019					2018
Dollars in thousands,except per share amounts	Income (Numerator)		Common Shares (Denominator)	Per Share		Income (Numerator)		Common Shares (Denominator)	Per Share
Net income	$	15,656				$	13,723
Basic earnings per share	$	15,656	12,627,806	$	1.24	$	13,723	12,362,679	$	1.11
Effect of dilutive securities:
Stock options			5,182					7,668
Stock appreciation rights (SARs)			55,877					55,405
Diluted earnings per share	$	15,656	12,688,865	$	1.23	$	13,723	12,425,751	$	1.10

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Securities (Tables)

6 Months Ended

Jun. 30, 2019

Debt Securities, Available-for-sale [Abstract]

Available-for-sale Securities

The amortized cost, unrealized gains, unrealized losses and estimated fair values of securities at June 30, 2019 and December 31, 2018 are summarized as follows:

	June 30, 2019
	Amortized		Unrealized				Estimated
Dollars in thousands	Cost		Gains		Losses		Fair Value
Available for Sale
Taxable debt securities
U.S. Government and agencies and corporations	$	23,807	$	259	$	342	$	23,724
Residential mortgage-backed securities:
Government-sponsored agencies	74,976		974		616		75,334
Nongovernment-sponsored entities	9,245		13		88		9,170
State and political subdivisions
General obligations	3,184		69		—		3,253
Water and sewer revenues	3,750		82		—		3,832
Other revenues	15,680		600		—		16,280
Corporate debt securities	17,267		28		323		16,972
Asset-backed securities	34,078		—		626		33,452
Total taxable debt securities	181,987		2,025		1,995		182,017
Tax-exempt debt securities
State and political subdivisions
General obligations	43,198		2,352		2		45,548
Water and sewer revenues	12,924		621		—		13,545
Lease revenues	8,567		485		—		9,052
University revenues	3,439		101		—		3,540
Other revenues	15,663		568		13		16,218
Total tax-exempt debt securities	83,791		4,127		15		87,903
Total securities available for sale	$	265,778	$	6,152	$	2,010	$	269,920

	December 31, 2018
	Amortized		Unrealized				Estimated
Dollars in thousands	Cost		Gains		Losses		Fair Value
Available for Sale
Taxable debt securities
U.S. Government and agencies and corporations	$	26,303	$	203	$	366	$	26,140
Residential mortgage-backed securities:
Government-sponsored agencies	80,883		603		1,177		80,309
Nongovernment-sponsored entities	611		4		1		614
State and political subdivisions
General obligations	6,081		—		126		5,955
Other revenues	13,457		17		186		13,288
Corporate debt securities	14,807		9		304		14,512
Asset-backed securities	25,288		10		123		25,175
Total taxable debt securities	167,430		846		2,283		165,993
Tax-exempt debt securities
State and political subdivisions
General obligations	65,626		624		344		65,906
Water and sewer revenues	20,018		225		98		20,145
Lease revenues	10,980		135		7		11,108
Other revenues	30,197		77		279		29,995
Total tax-exempt debt securities	126,821		1,061		728		127,154
Total securities available for sale	$	294,251	$	1,907	$	3,011	$	293,147

Summary of Volume of State and Political Subdivision Securities Held in Portfolio

We own no such securities of any single issuer which we deem to be a concentration.

	June 30, 2019
	Amortized		Unrealized				Estimated
Dollars in thousands	Cost		Gains		Losses		Fair Value
California	$	16,108	$	1,126	$	2	$	17,232
Illinois	15,518		512		—		16,030
Michigan	10,940		481		—		11,421
West Virginia	9,399		219		13		9,605
New York	8,561		348		—		8,909

Investments Classified by Contractual Maturity Date

The maturities, amortized cost and estimated fair values of securities at June 30, 2019, are summarized as follows:

Dollars in thousands	Amortized Cost		Estimated Fair Value
Due in one year or less	$	35,134	$	35,149
Due from one to five years	79,573		79,582
Due from five to ten years	59,026		59,183
Due after ten years	92,045		96,006
	$	265,778	$	269,920

Schedule of Realized Gain (Loss)

The proceeds from sales, calls and maturities of securities available for sale, including principal payments received on mortgage-backed obligations, and the related gross gains and losses realized, for the six months ended June 30, 2019 and 2018 are as follows:

		Proceeds from						Gross realized
Dollars in thousands		Sales		Calls and Maturities		Principal Payments		Gains		Losses
For the Six Months Ended   June 30,
2019
	Securities available for sale	$	114,171	$	1,445	$	13,822	$	1,213	$	131
2018
	Securities available for sale	$	69,235	$	1,050	$	13,393	$	1,637	$	818

Schedule of Unrealized Loss on Investments

Provided below is a summary of securities available for sale which were in an unrealized loss position at June 30, 2019 and December 31, 2018.

	June 30, 2019
		Less than 12 months				12 months or more				Total
Dollars in thousands	# of securities in loss position	Estimated Fair Value		Unrealized Loss		Estimated Fair Value		Unrealized Loss		Estimated Fair Value		Unrealized Loss
Taxable debt securities
U.S. Government agencies and corporations	15	$	—	$	—	$	17,371	$	342	$	17,371	$	342
Residential mortgage-backed securities:
Government-sponsored agencies	25	17,041		301		16,460		315		33,501		616
Nongovernment-sponsored entities	3	7,002		88		—		—		7,002		88
Corporate debt securities	8	5,171		117		2,544		206		7,715		323
Asset-backed securities	15	33,452		626		—		—		33,452		626
Tax-exempt debt securities
State and political subdivisions:
General obligations	1	690		2		—		—		690		2
Other revenues	1	—		—		1,023		13		1,023		13
Total	68	63,356		1,134		37,398		876		100,754		2,010

	December 31, 2018
		Less than 12 months				12 months or more				Total
Dollars in thousands	# of securities in loss position	Estimated Fair Value		Unrealized Loss		Estimated Fair Value		Unrealized Loss		Estimated Fair Value		Unrealized Loss
Taxable debt securities
U.S. Government agencies and       corporations	15	$	12,185	$	184	$	7,464	$	182	$	19,649	$	366
Residential mortgage-backed securities:
Government-sponsored agencies	37	23,277		241		24,472		936		47,749		1,177
Nongovernment-sponsored entities	1	—		—		436		1		436		1
State and political subdivisions:
General obligations	8	—		—		5,222		126		5,222		126
Other revenues	11	968		16		9,450		170		10,418		186
Corporate debt securities	7	2,759		109		4,587		195		7,346		304
Asset-backed securities	9	20,129		123		—		—		20,129		123
Tax-exempt debt securities
State and political subdivisions:
General obligations	25	7,273		50		16,830		294		24,103		344
Water and sewer revenues	7	989		6		4,311		92		5,300		98
Lease revenues	2	553		—		557		7		1,110		7
Other revenues	12	7,309		62		11,531		217		18,840		279
Total	134	75,442		791		84,860		2,220		160,302		3,011

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Loans (Tables)

6 Months Ended

Jun. 30, 2019

Loans and Leases Receivable Disclosure [Abstract]

Summary of Loans, Net of Unearned Fees

Loans are summarized as follows:

Dollars in thousands	June 30, 2019		December 31, 2018
Commercial	$	204,138	$	194,315
Commercial real estate
Owner-occupied	262,901		257,256
Non-owner occupied	574,677		573,932
Construction and development
Land and land development	67,769		68,833
Construction	46,975		24,731
Residential real estate
Non-jumbo	360,752		336,977
Jumbo	70,171		73,599
Home equity	81,373		80,910
Mortgage warehouse lines	101,607		39,140
Consumer	36,715		32,460
Other	11,924		12,899
Total loans, net of unearned fees	1,819,002		1,695,052
Less allowance for loan losses	13,152		13,047
Loans, net	$	1,805,850	$	1,682,005

Schedule of Acquired Loans

The outstanding balance and the recorded investment of acquired loans included in the consolidated balance sheet at June 30, 2019 and December 31, 2018 are as follows:

	Acquired Loans
	June 30, 2019						December 31, 2018
Dollars in thousands	Purchased Credit Impaired		Purchased Performing		Total		Purchased Credit Impaired		Purchased Performing		Total
Outstanding balance	$	4,282	$	154,564	$	158,846	$	4,275	$	138,167	$	142,442
Recorded investment
Commercial	$	—	$	4,056	$	4,056	$	—	$	3,934	$	3,934
Commercial real estate
Owner-occupied	—		19,729		19,729		—		16,133		16,133
Non-owner occupied	1,262		16,801		18,063		1,162		23,431		24,593
Construction and development
Land and land development	—		4,178		4,178		—		5,161		5,161
Construction	—		—		—		—		—		—
Residential real estate
Non-jumbo	1,293		96,352		97,645		1,374		77,894		79,268
Jumbo	962		3,144		4,106		975		2,577		3,552
Home equity	—		2,440		2,440		—		2,805		2,805
Consumer	—		5,854		5,854		—		4,630		4,630
Other	—		15		15		—		122		122
Total recorded investment	$	3,517	$	152,569	$	156,086	$	3,511	$	136,687	$	140,198

Summary of Change in Accretable Yield PCI Loans

The following table presents a summary of the change in the accretable yield of the purchased credit impaired ("PCI") loan portfolio for the three and six months ended June 30, 2019 and 2018:

	For the Three Months Ended June 30,						For the Six Months Ended June 30,
Dollars in thousands	2019			2018			2019			2018
Accretable yield	$	623		$	708		$	632		$	745
Accretion	(26		)	(32		)	(34		)	(69		)
Reclassification of nonaccretable difference due to improvement     in expected cash flows	—			—			—			—
Other changes, net	—			—			(1		)	—
Accretable yield, June 30	$	597		$	676		$	597		$	676

Schedule of Contractual Aging of Recorded Investment In Past Due Loans By Class

The following table presents the contractual aging of the recorded investment in past due loans by class as of June 30, 2019 and December 31, 2018.

	At June 30, 2019
	Past Due										> 90 days and Accruing
Dollars in thousands	30-59 days		60-89 days		> 90 days		Total		Current
Commercial	$	327	$	137	$	700	$	1,164	$	202,974	$	—
Commercial real estate
Owner-occupied	520		—		4,454		4,974		257,927		—
Non-owner occupied	—		1,205		1,463		2,668		572,009		—
Construction and development
Land and land development	258		—		43		301		67,468		—
Construction	—		—		—		—		46,975		—
Residential mortgage
Non-jumbo	5,686		806		2,564		9,056		351,696		119
Jumbo	642		—		—		642		69,529		—
Home equity	101		94		258		453		80,920		21
Mortgage warehouse lines	—		—		—		—		101,607		—
Consumer	230		63		109		402		36,313		68
Other	—		—		100		100		11,824		—
Total	$	7,764	$	2,305	$	9,691	$	19,760	$	1,799,242	$	208

	At December 31, 2018
	Past Due										> 90 days and Accruing
Dollars in thousands	30-59 days		60-89 days		> 90 days		Total		Current
Commercial	$	254	$	51	$	483	$	788	$	193,527	$	—
Commercial real estate
Owner-occupied	—		—		612		612		256,644		—
Non-owner occupied	156		255		1,756		2,167		571,765		—
Construction and development
Land and land development	190		4		3,174		3,368		65,465		—
Construction	—		—		—		—		24,731		—
Residential mortgage
Non-jumbo	4,120		2,235		3,753		10,108		326,869		—
Jumbo	—		—		675		675		72,924		—
Home equity	754		261		181		1,196		79,714		—
Mortgage warehouse lines	—		—		—		—		39,140		—
Consumer	502		121		125		748		31,712		36
Other	31		—		—		31		12,868		—
Total	$	6,007	$	2,927	$	10,759	$	19,693	$	1,675,359	$	36

Schedule of Financing Receivables, Non Accrual Status

The following table presents the nonaccrual loans included in the net balance of loans at June 30, 2019 and December 31, 2018.

	June 30,		December 31,
Dollars in thousands	2019		2018
Commercial	$	948	$	935
Commercial real estate
Owner-occupied	4,624		1,028
Non-owner occupied	1,920		2,210
Construction and development
Land & land development	66		3,198
Construction	—		—
Residential mortgage
Non-jumbo	4,561		6,532
Jumbo	642		675
Home equity	314		299
Mortgage warehouse lines	—		—
Consumer	92		112
Other	100		—
Total	$	13,267	$	14,989

Impaired Financing Receivables

The following tables present loans individually evaluated for impairment at June 30, 2019 and December 31, 2018.

	June 30, 2019
Dollars in thousands	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Impaired Balance		Interest Income Recognized while impaired
Without a related allowance
Commercial	$	5,215	$	5,216	$	—	$	5,371	$	334
Commercial real estate
Owner-occupied	8,867		8,872		—		8,822		207
Non-owner occupied	10,814		10,821		—		9,967		504
Construction and development
Land & land development	1,088		1,088		—		1,129		68
Construction	—		—		—		—		—
Residential real estate
Non-jumbo	3,705		3,711		—		3,698		198
Jumbo	4,022		4,021		—		4,044		190
Home equity	523		523		—		523		32
Mortgage warehouse lines	—		—		—		—		—
Consumer	15		15		—		10		1
Total without a related allowance	$	34,249	$	34,267	$	—	$	33,564	$	1,534
With a related allowance
Commercial	$	269	$	269	$	30	$	184	$	1
Commercial real estate
Owner-occupied	2,915		2,914		444		2,924		114
Non-owner occupied	—		—		—		—		—
Construction and development
Land & land development	1,035		1,036		521		1,041		57
Construction	—		—		—		—		—
Residential real estate
Non-jumbo	2,371		2,370		678		2,341		74
Jumbo	—		—		—		—		—
Home equity	—		—		—		—		—
Mortgage warehouse lines	—		—		—		—		—
Consumer	—		—		—		—		—
Total with a related allowance	$	6,590	$	6,589	$	1,673	$	6,490	$	246
Total
Commercial	$	30,203	$	30,216	$	995	$	29,438	$	1,285
Residential real estate	10,621		10,625		678		10,606		494
Consumer	15		15		—		10		1
Total	$	40,839	$	40,856	$	1,673	$	40,054	$	1,780

The table above does not include PCI loans.

	December 31, 2018
Dollars in thousands	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Impaired Balance		Interest Income Recognized while impaired
Without a related allowance
Commercial	$	1,019	$	1,253	$	—	$	321	$	16
Commercial real estate
Owner-occupied	8,600		8,605		—		7,730		318
Non-owner occupied	9,666		9,673		—		9,753		493
Construction and development
Land & land development	4,767		4,767		—		4,947		102
Construction	—		—		—		—		—
Residential real estate
Non-jumbo	3,279		3,284		—		3,401		180
Jumbo	4,132		4,130		—		3,517		166
Home equity	523		523		—		523		30
Mortgage warehouse lines	—		—		—		—		—
Consumer	9		10		—		13		1
Total without a related allowance	$	31,995	$	32,245	$	—	$	30,205	$	1,306
With a related allowance
Commercial	$	3,343	$	3,342	$	682	$	705	$	39
Commercial real estate
Owner-occupied	2,969		2,969		462		2,397		117
Non-owner occupied	189		191		9		226		16
Construction and development
Land & land development	1,057		1,057		298		1,073		56
Construction	—		—		—		—		—
Residential real estate
Non-jumbo	2,982		2,981		585		2,539		98
Jumbo	821		822		106		827		48
Home equity	—		—		—		—		—
Mortgage warehouse lines	—		—		—		—		—
Consumer	—		—		—		—		—
Total with a related allowance	$	11,361	$	11,362	$	2,142	$	7,767	$	374
Total
Commercial	$	31,610	$	31,857	$	1,451	$	27,152	$	1,157
Residential real estate	11,737		11,740		691		10,807		522
Consumer	9		10		—		13		1
Total	$	43,356	$	43,607	$	2,142	$	37,972	$	1,680

The table above does not include PCI loans.

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

The following tables present by class the TDRs that were restructured during the three and six months ended June 30, 2019 and June 30, 2018 . Generally, the modifications were extensions of term, modifying the payment terms from principal and interest to interest only for an extended period, or reduction in interest rate.  All TDRs are evaluated individually for allowance for loan loss purposes.

	For the Three Months Ended   June 30, 2019					For the Three Months Ended   June 30, 2018
Dollars in thousands	Number of Modifications	Pre-modification Recorded Investment		Post-modification Recorded Investment		Number of Modifications	Pre-modification Recorded Investment		Post-modification Recorded Investment
Commercial	—	$	—	$	—	2	$	157	$	157
Residential real estate
Non-jumbo	—	—		—		5	741		741
Total	—	$	—	$	—	7	$	898	$	898

	For the Six Months Ended   June 30, 2019					For the Six Months Ended   June 30, 2018
Dollars in thousands	Number of Modifications	Pre-modification Recorded Investment		Post-modification Recorded Investment		Number of Modifications	Pre-modification Recorded Investment		Post-modification Recorded Investment
Commercial	—	$	—	$	—	2	$	157	$	157
Commercial real estate
Owner-occupied	1	325		325		—	—		—
Non-owner occupied	4	324		324		—	—		—
Residential real estate
Non-jumbo	7	410		410		6	805		805
Consumer	1	16		16		—	—		—
Total	13	$	1,075	$	1,075	8	$	962	$	962

Schedule of Defaults During Stated Period of Trouble Debt Restructurings

The following tables present defaults during the stated period of TDRs that were restructured during the past twelve months. For purposes of these tables, a default is considered as either the loan was past due 30 days or more at any time during the period, or the loan was fully or partially charged off during the period.

	For the Three Months Ended   June 30, 2019			For the Three Months Ended   June 30, 2018
Dollars in thousands	Number of Defaults	Recorded Investment at Default Date		Number of Defaults	Recorded Investment at Default Date
Commercial	—	$	—	2	$	157
Commercial real estate
Owner-occupied	—	—		1	2,302
Non-owner occupied	1	126		1	341
Construction and development
Land & land development	—	—		1	438
Residential real estate
Non-jumbo	4	193		2	506
Total	5	$	319	7	$	3,744

	For the Six Months Ended   June 30, 2019			For the Six Months Ended   June 30, 2018
Dollars in thousands	Number of Defaults	Recorded Investment at Default Date		Number of Defaults	Recorded Investment at Default Date
Commercial	—	$	—	2	$	157
Commercial real estate
Owner-occupied	—	—		1	2,302
Non-owner occupied	1	126		1	341
Construction and development
Land & land development	—	—		1	438
Residential real estate
Non-jumbo	4	193		3	712
Total	5	$	319	8	$	3,950

Schedule of the Activity Regarding TDRs by Loan Type

The following tables detail the activity regarding TDRs by loan type, net of fees, for the three and six months ended June 30, 2019, and the related allowance on TDRs.

For the Three Months Ended June 30, 2019
	Construction & Land Development								Commercial Real Estate						Residential Real Estate
Dollars in thousands	Land & Land Develop- ment			Construc- tion		Commer- cial			Owner Occupied			Non- Owner Occupied			Non- jumbo			Jumbo			Home Equity		Mortgage Warehouse Lines		Con- sumer			Other		Total
Troubled debt restructurings
Balance April 1, 2019	$	2,629		$	—	$	265		$	9,629		$	5,676		$	4,869		$	4,231		$	523	$	—	$	23		$	—	$	27,845
Additions	—			—		—			—			—			—			—			—		—		—			—		—
Charge-offs	—			—		—			—			—			—			—			—		—		—			—		—
Net (paydowns) advances	(506		)	—		(32		)	(41		)	(52		)	(174		)	(851		)	—		—		(8		)	—		(1,664		)
Transfer into foreclosed properties	—			—		—			—			—			—			—			—		—		—			—		—
Refinance out of TDR status	—			—		—			—			—			—			—			—		—		—			—		—
Balance, June 30, 2019	$	2,123		$	—	$	233		$	9,588		$	5,624		$	4,695		$	3,380		$	523	$	—	$	15		$	—	$	26,181
Allowance related to troubled debt restructurings	$	521		$	—	$	6		$	271		$	—		$	200		$	—		$	—	$	—	$	—		$	—	$	998

For the Six Months Ended June 30, 2019
	Construction & Land Development								Commercial Real Estate						Residential Real Estate
Dollars in thousands	Land & Land Develop- ment			Construc- tion		Commer- cial			Owner Occupied			Non- Owner Occupied			Non- jumbo			Jumbo			Home Equity		Mortgage Warehouse Lines		Con- sumer			Other		Total
Troubled debt restructurings
Balance January 1, 2019	$	2,654		$	—	$	273		$	9,365		$	5,404		$	4,490		$	4,278		$	523	$	—	$	10		$	—	$	26,997
Additions	—			—		—			325			324			410			—			—		—		16			—		1,075
Charge-offs	—			—		—			—			—			—			—			—		—		—			—		—
Net (paydowns) advances	(531		)	—		(40		)	(102		)	(104		)	(205		)	(898		)	—		—		(11		)	—		(1,891		)
Transfer into foreclosed properties	—			—		—			—			—			—			—			—		—		—			—		—
Refinance out of TDR status	—			—		—			—			—			—			—			—		—		—			—		—
Balance, June 30, 2019	$	2,123		$	—	$	233		$	9,588		$	5,624		$	4,695		$	3,380		$	523	$	—	$	15		$	—	$	26,181
Allowance related to troubled debt restructurings	$	521		$	—	$	6		$	271		$	—		$	200		$	—		$	—	$	—	$	—		$	—	$	998

Financing Receivable Credit Quality Indicators

The following table presents the recorded investment in construction and development, commercial, and commercial real estate loans which are generally evaluated based upon our internal risk ratings.

Loan Risk Profile by Internal Risk Rating
	Construction and Development												Commercial Real Estate
	Land and Land Development				Construction				Commercial				Owner Occupied				Non-Owner Occupied				Mortgage Warehouse Lines
Dollars in thousands	6/30/2019		12/31/2018		6/30/2019		12/31/2018		6/30/2019		12/31/2018		6/30/2019		12/31/2018		6/30/2019		12/31/2018		6/30/2019		12/31/2018
Pass	$	65,893	$	63,743	$	46,835	$	24,589	$	196,706	$	182,651	$	255,527	$	250,254	$	565,858	$	565,715	$	101,607	$	39,140
OLEM (Special Mention)	461		472		140		142		1,572		6,748		2,421		1,864		1,653		1,554		—		—
Substandard	1,415		4,618		—		—		5,860		4,916		4,953		5,138		7,166		6,663		—		—
Doubtful	—		—		—		—		—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—		—		—		—		—
Total	$	67,769	$	68,833	$	46,975	$	24,731	$	204,138	$	194,315	$	262,901	$	257,256	$	574,677	$	573,932	$	101,607	$	39,140

Schedule of Recorded Investment Evaluated Based on Aging Status of Loans and Payment Activity

The following table presents the recorded investment and payment activity in consumer, residential real estate, and home equity loans, which are generally evaluated based on the aging status of the loans.

	Performing				Nonperforming
Dollars in thousands	6/30/2019		12/31/2018		6/30/2019		12/31/2018
Residential real estate
Non-jumbo	$	356,071	$	330,445	$	4,681	$	6,532
Jumbo	69,529		72,924		642		675
Home Equity	81,039		80,611		334		299
Consumer	36,555		32,312		160		148
Other	11,824		12,899		100		—
Total	$	555,018	$	529,191	$	5,917	$	7,654

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Allowance For Loan Losses (Tables)

6 Months Ended

Jun. 30, 2019

Allowance for Loan and Lease Losses Write-offs, Net [Abstract]

Schedule of Credit Losses Related to Financing Receivables, Current and Noncurrent

An analysis of the allowance for loan losses for the six month period ended June 30, 2019 and for the year ended December 31, 2018 is as follows:

	June 30,		December 31,
Dollars in thousands	2019		2018
Balance, beginning of year	$	13,047	$	12,565
Charge-offs:
Commercial	17		248
Commercial real estate
Owner occupied	2		38
Non-owner occupied	—		619
Construction and development
Land and land development	—		259
Construction	—		—
Residential real estate
Non-jumbo	418		887
Jumbo	—		—
Home equity	—		26
Mortgage warehouse lines	—		—
Consumer	194		244
Other	174		282
Total	805		2,603
Recoveries:
Commercial	7		16
Commercial real estate
Owner occupied	13		23
Non-owner occupied	—		—
Construction and development
Land and land development	104		270
Construction	—		—
Residential real estate
Non-jumbo	48		228
Jumbo	—		25
Home equity	15		10
Mortgage warehouse lines	—		—
Consumer	100		141
Other	73		122
Total	360		835
Net charge-offs	445		1,768
Provision for loan losses	550		2,250
Balance, end of period	$	13,152	$	13,047

Allowance for Credit Losses on Financing Receivables

The following table presents the activity in the allowance for loan losses, balance in the allowance for loan losses and recorded investment in loans by portfolio segment and based on impairment during the first six months of 2019 and for the year ended 2018:

	For the Six Months Ended June 30, 2019												At June 30, 2019								At June 30, 2019
	Allowance for loan losses												Allowance related to:								Loans
	Beginning  Balance		Charge- offs			Recoveries		Provision			Ending Balance		Loans individua- lly evaluated  for impairm- ent		Loans collective- ly evaluated for impairm- ent		Loans acquired  with deteriora- ted credit quality (PCI)		Total		Loans individua- lly evaluated for impairm- ent		Loans collective- ly evaluated for impairm- ent		Loans acquired with deteriora- ted credit quality (PCI)		Total
Commercial	$	1,705	$	(17	)	$	7	$	(491	)	$	1,204	$	30	$	1,174	$	—	$	1,204	$	5,484	$	198,654	$	—	$	204,138
Commercial real estate
Owner occupied	2,214		(2		)	13		480			2,705		444		2,261		—		2,705		11,782		251,119		—		262,901
Non-owner occupied	5,742		—			—		(104		)	5,638		—		5,547		91		5,638		10,814		562,601		1,262		574,677
Construction and development
Land and land development	339		—			104		119			562		521		41		—		562		2,123		65,646		—		67,769
Construction	64		—			—		254			318		—		318		—		318		—		46,975		—		46,975
Residential real estate
Non-jumbo	2,090		(418		)	48		485			2,205		678		1,517		10		2,205		6,076		353,383		1,293		360,752
Jumbo	379		—			—		(369		)	10		—		10		—		10		4,022		65,187		962		70,171
Home equity	167		—			15		(62		)	120		—		120		—		120		523		80,850		—		81,373
Mortgage warehouse lines	—		—			—		—			—		—		—		—		—		—		101,607		—		101,607
Consumer	79		(194		)	100		128			113		—		113		—		113		15		36,700		—		36,715
Other	268		(174		)	73		110			277		—		277		—		277		—		11,924		—		11,924
Total	$	13,047	$	(805	)	$	360	$	550		$	13,152	$	1,673	$	11,378	$	101	$	13,152	$	40,839	$	1,774,646	$	3,517	$	1,819,002

	For the Year Ended December 31, 2018												At December 31, 2018								At December 31, 2018
	Allowance for loan losses												Allowance related to:								Loans
	Beginning  Balance		Charge- offs			Recoveries		Provision			Ending Balance		Loans individua- lly evaluated  for impairm- ent		Loans collective- ly evaluated for impairm- ent		Loans acquired  with deteriora- ted credit quality (PCI)		Total		Loans individua- lly evaluated for impairm- ent		Loans collective- ly evaluated for impairm- ent		Loans acquired with deteriora- ted credit quality (PCI)		Total
Commercial	$	1,303	$	(248	)	$	16	$	634		$	1,705	$	682	$	1,023	$	—	$	1,705	$	4,362	$	189,953	$	—	$	194,315
Commercial real estate
Owner occupied	2,424		(38		)	23		(195		)	2,214		462		1,752		—		2,214		11,569		245,687		—		257,256
Non-owner occupied	4,950		(619		)	—		1,411			5,742		9		5,729		4		5,742		9,855		562,915		1,162		573,932
Construction and development
Land and land development	641		(259		)	270		(313		)	339		298		41		—		339		5,824		63,009		—		68,833
Construction	153		—			—		(89		)	64		—		64		—		64		—		24,731		—		24,731
Residential real estate
Non-jumbo	1,911		(887		)	228		838			2,090		585		1,495		10		2,090		6,261		329,342		1,374		336,977
Jumbo	72		—			25		282			379		106		273		—		379		4,953		67,671		975		73,599
Home equity	638		(26		)	10		(455		)	167		—		167		—		167		523		80,387		—		80,910
Mortgage warehouse lines	—		—			—		—			—		—		—		—		—		—		39,140		—		39,140
Consumer	210		(244		)	141		(28		)	79		—		79		—		79		9		32,451		—		32,460
Other	263		(282		)	122		165			268		—		268		—		268		—		12,899		—		12,899
Total	$	12,565	$	(2,603	)	$	835	$	2,250		$	13,047	$	2,142	$	10,891	$	14	$	13,047	$	43,356	$	1,648,185	$	3,511	$	1,695,052

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Goodwill And Other Intangible Assets (Tables)

6 Months Ended

Jun. 30, 2019

Goodwill and Intangible Assets Disclosure [Abstract]

Schedule of Goodwill

The following tables present our goodwill by reporting unit at June 30, 2019 and other intangible assets by reporting unit at June 30, 2019 and December 31, 2018.

	Goodwill Activity
Dollars in thousands	Community Banking		Insurance Services			Total
Balance, January 1, 2019	$	10,562	$	4,710		$	15,272
Reclassifications to goodwill	—		—			—
Acquired goodwill, net	1,855		—			1,855
Goodwill reduction in conjunction with sale of Summit Insurance Services, LLC	—		(4,710		)	(4,710		)
Balance, June 30, 2019	$	12,417	$	—		$	12,417

Summary of Other Intangible Assets

	Other Intangible Assets
	June 30, 2019						December 31, 2018
Dollars in thousands	Community Banking		Insurance Services		Total		Community Banking		Insurances Services		Total
Identifiable intangible assets
Gross carrying amount	$	14,727	$	3,000	$	17,727	$	12,598	$	3,000	$	15,598
Less: accumulated amortization	3,559		2,367		5,926		2,728		2,300		5,028
Less: customer intangible reduction in conjunction with sale of Summit Insurance Services, LLC	—		633		633		—		—		—
Net carrying amount	$	11,168	$	—	$	11,168	$	9,870	$	700	$	10,570

Finite-lived Intangible Assets Amortization Expense

Amortization relative to our identifiable intangible assets is expected to approximate the following during the next five years:

	Core Deposit
Dollars in thousands	Intangible
2019	$	1,634
2020	1,513
2021	1,393
2022	1,273
2023	1,152

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Deposits (Tables)

6 Months Ended

Jun. 30, 2019

Deposits [Abstract]

Summary of Interest Bearing Deposits By Type

The following is a summary of interest bearing deposits by type as of June 30, 2019 and December 31, 2018:

Dollars in thousands	June 30, 2019		December 31, 2018
Demand deposits, interest bearing	$	588,948	$	523,257
Savings deposits	301,403		284,173
Time deposits	672,745		605,276
Total	$	1,563,096	$	1,412,706

Summary of Scheduled Maturities For All Time Deposits

A summary of the scheduled maturities for all time deposits as of June 30, 2019 is as follows:

Dollars in thousands
Six month period ending December 31, 2019	$	141,784
Year ending December 31, 2020	290,872
Year ending December 31, 2021	127,679
Year ending December 31, 2022	43,620
Year ending December 31, 2023	18,004
Thereafter	50,786
Total	$	672,745

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Borrowed Funds (Tables)

6 Months Ended

Jun. 30, 2019

Debt Disclosure [Abstract]

Schedule of Short-term Debt

Short-term borrowings:    A summary of short-term borrowings is presented below:

	Six Months Ended June 30,
	2019						2018
Dollars in thousands	Short-term FHLB Advances			Federal Funds Purchased and Lines of Credit			Short-term FHLB Advances			Federal Funds Purchased and Lines of Credit
Balance at June 30	$	225,200		$	143		$	199,900		$	2,529
Average balance outstanding for the period	192,895			777			211,884			3,497
Maximum balance outstanding at any month end during period	225,200			143			262,000			3,523
Weighted average interest rate for the period	2.72		%	2.48		%	1.87		%	1.65		%
Weighted average interest rate for balances
outstanding at June 30	2.51		%	2.50		%	2.19		%	2.00		%

	Year Ended December 31, 2018
Dollars in thousands	Short-term FHLB Advances			Federal Funds Purchased and Lines of Credit
Balance at December 31	$	303,950		5,134
Average balance outstanding for the period	223,764			4,378
Maximum balance outstanding at any month end     during period	303,950			7,534
Weighted average interest rate for the period	2.18		%	1.95	%
Weighted average interest rate for balances
outstanding at December 31	2.71		%	2.50	%

Schedule of Long-term Debt Instruments

All FHLB advances are collateralized primarily by similar amounts of residential mortgage loans, certain commercial loans, mortgage backed securities and securities of U. S. Government agencies and corporations.

	Balance at June 30,		Balance at   December 31,
Dollars in thousands	2019		2018
Long-term FHLB advances	$	726	$	735
Total	$	726	$	735

Schedule of Maturities of Long-term Debt

A summary of the maturities of all long-term borrowings and subordinated debentures for the next five years and thereafter is as follows:

Dollars in thousands		Long-term borrowings		Subordinated debentures owed to unconsolidated subsidiary trusts
Year Ending December 31,	2019	$	9	$	—
	2020	18		—
	2021	20		—
	2022	21		—
	2023	22		—
	Thereafter	636		19,589
		$	726	$	19,589

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Share Based Compensation (Tables)

6 Months Ended

Jun. 30, 2019

Disclosure of Compensation Related Costs, Share-based Payments [Abstract]

Schedule of Share-based Payment Award, Stock Options, Valuation Assumptions

The assumptions used to value SARs granted during 2019 were as follows:

	5-year vesting SARs		7-year vesting SARs
Risk-free interest rate	2.43	%	2.51	%
Expected dividend yield	2.30	%	2.30	%
Expected common stock volatility	35.71	%	40.84	%
Expected life	6.5 years		7.0 years

Schedule of Share-based Compensation, Stock Options, Activity

A summary of activity in our Plans during the first six months of 2019 and 2018 is as follows:

	For the Six Months Ended June 30,
	2019
	Options/SARs		Aggregate Intrinsic Value (in thousands)		Remaining Contractual Term (Yrs.)	Weighted-Average Exercise Price
Outstanding, January 1	232,091					$	17.36
Granted	138,125					23.94
Exercised	(31,413	)				11.83
Forfeited	—					—
Expired	—					—
Outstanding, June 30	338,803		$	2,132	7.66	$	20.56
Exercisable, June 30	112,989		$	1,189	5.84	$	16.32

	For the Six Months Ended June 30,
	2018
	Options/SARs		Aggregate Intrinsic Value (in thousands)		Remaining Contractual Term (Yrs.)	Weighted-Average Exercise Price
Outstanding, January 1	250,291					$	17.75
Granted	—					—
Exercised	(200	)				17.79
Forfeited	(3,000	)				26.01
Expired	—					—
Outstanding, June 30	247,091		$	2,272	6.83	$	17.65
Exercisable, June 30	110,924		$	1,225	5.72	$	15.80

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Commitments And Contingencies (Tables)

6 Months Ended

Jun. 30, 2019

Commitments and Contingencies Disclosure [Abstract]

Summary of the Total Unfunded, or Off-Balance Sheet, Credit Extension Commitments

A summary of the total unfunded, or off-balance sheet, credit extension commitments follows:

Dollars in thousands	June 30, 2019
Commitments to extend credit:
Revolving home equity and credit card lines	$	69,381
Construction loans	127,139
Other loans	163,887
Standby letters of credit	5,784
Total	$	366,191

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Regulatory Matters (Tables)

6 Months Ended

Jun. 30, 2019

Banking and Thrift [Abstract]

Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations

The following table presents Summit's, as well as Summit Community's, actual and required minimum capital amounts and ratios as of June 30, 2019 and December 31, 2018 under the Basel III Capital Rules.  The minimum required capital levels presented below reflect the minimum required capital levels (inclusive of the full capital conservation buffers) that will be effective as of January 1, 2019 when the Basel III Capital Rules have been fully phased-in.  Capital levels required to be considered well capitalized are based upon prompt corrective action regulations, as amended to reflect the changes under the Basel III Capital Rules.

	Actual				Minimum Required Capital - Basel III Fully Phased-in			Minimum Required To Be Well Capitalized
Dollars in thousands	Amount		Ratio		Amount	Ratio		Amount	Ratio
As of June 30, 2019
CET1 (to risk weighted assets)
Summit	$	212,502	11.1	%	N/A	N/A		N/A	N/A
Summit Community	228,143		11.9	%	134,202	7.0	%	124,616	6.5	%
Tier I Capital (to risk weighted assets)
Summit	231,502		12.1	%	N/A	N/A		N/A	N/A
Summit Community	228,143		11.9	%	162,959	8.5	%	153,373	8.0	%
Total Capital (to risk weighted assets)
Summit	244,654		12.8	%	N/A	N/A		N/A	N/A
Summit Community	241,295		12.6	%	201,079	10.5	%	191,504	10.0	%
Tier I Capital (to average assets)
Summit	231,502		10.4	%	N/A	N/A		N/A	N/A
Summit Community	228,143		10.2	%	89,468	4.0	%	111,835	5.0	%

	Actual			Minimum Required Capital - Basel III Fully Phased-in			Minimum Required To Be Well Capitalized
Dollars in thousands	Amount	Ratio		Amount	Ratio		Amount	Ratio
As of December 31, 2018
CET1 (to risk weighted assets)
Summit	197,551	11.1	%	N/A	N/A		N/A	N/A
Summit Community	213,930	12.0	%	124,793	7.0	%	115,879	6.5	%
Tier I Capital (to risk weighted assets)
Summit	216,551	12.2	%	N/A	N/A		N/A	N/A
Summit Community	213,930	12.0	%	151,534	8.5	%	142,620	8.0	%
Total Capital (to risk weighted assets)
Summit	229,598	12.9	%	N/A	N/A		N/A	N/A
Summit Community	226,977	12.8	%	186,192	10.5	%	177,326	10.0	%
Tier I Capital (to average assets)
Summit	216,551	10.1	%	N/A	N/A		N/A	N/A
Summit Community	213,930	10.0	%	85,572	4.0	%	106,965	5.0	%

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Derivative Financial Instruments (Tables)

6 Months Ended

Jun. 30, 2019

Derivative Instruments and Hedging Activities Disclosure [Abstract]

Schedule of Interest Rate Derivatives

A summary of our derivative financial instruments as of June 30, 2019 and December 31, 2018 follows:

	June 30, 2019
	Notional Amount		Derivative Fair Value				Net Ineffective
Dollars in thousands			Asset		Liability		Hedge Gains/(Losses)
CASH FLOW HEDGES
Pay-fixed/receive-variable interest rate swaps
Short term borrowings	$	150,000	$	—	$	968	$	—
FAIR VALUE HEDGES
Pay-fixed/receive-variable interest rate swaps
Commercial real estate loans	$	19,107	$	—	$	279	$	—

	December 31, 2018
	Notional Amount		Derivative Fair Value				Net Ineffective
Dollars in thousands			Asset		Liability		Hedge Gains/(Losses)
CASH FLOW HEDGES
Pay-fixed/receive-variable interest rate swaps
Short term borrowings	$	110,000	$	—	$	411	$	—
FAIR VALUE HEDGES
Pay-fixed/receive-variable interest rate swaps
Commercial real estate loans	$	19,399	$	555	$	—	$	—

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Acquisitions Acquisitions (Tables)

6 Months Ended

Jun. 30, 2019

Business Combinations [Abstract]

Schedule of Recognized Identified Assets Acquired and Liabilities Assumed [Table Text Block]

The following table details the total consideration paid on January 1, 2019 in connection with the acquisition of PBI, the fair values of the assets acquired and liabilities assumed and the resulting preliminary goodwill.

(Dollars in thousands)	As Recorded by PBI			Estimated Fair Value Adjustments			Estimated Fair Values as Recorded by Summit
Cash consideration							$	12,740
Stock consideration							8,997
Total consideration							21,737
Identifiable assets acquired:
Cash and cash equivalents	$	33,422		$	(93	)	$	33,329
Securities available for sale, at fair value	55,206			(93		)	55,113
Loans
Purchased performing	42,376			(977		)	41,399
Purchased credit impaired	—			—			—
Allowance for loan losses	(410		)	410			—
Premises and equipment	1,382			(567		)	815
Property held for sale	—			—			—
Core deposit intangibles	—			2,129			2,129
Other assets	1,110			(100		)	1,010
Total identifiable assets acquired	$	133,086		$	709		$	133,795
Identifiable liabilities assumed:
Deposits	112,064			315			112,379
Other liabilities	1,422			111			1,533
Total identifiable liabilities assumed	$	113,486		$	426		$	113,912
Net identifiable assets acquired	$	19,600		$	283		$	19,883
Goodwill resulting from acquisition							$	1,854

Financial Effects of Purchase Accounting Adjustments [Table Text Block]

The following presents the financial effects of adjustments recognized in the statements of income for the three and six months ended June 30, 2019 and 2018 related to business combinations that occurred during 2016, 2017 and 2018.

	Income increase (decrease)
Dollars in thousands	Three Months Ended June 30,						Six Months Ended June 30,
	2019			2018			2019			2018
Interest and fees on loans	$	425		$	56		$	467		$	201
Interest expense on deposits	82			53			170			114
Amortization of intangibles	(404		)	(363		)	(830		)	(748		)
Income before income tax expense	$	103		$	(254	)	$	(193	)	$	(433	)

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Accumulated Other Comprehensive Income (Loss) Accumulated Other Comprehensive Income (Loss) (Tables)

6 Months Ended

Jun. 30, 2019

Accumulated Other Comprehensive Income (Loss) [Abstract]

Schedule of Accumulated Other Comprehensive Income (Loss) [Table Text Block]

The following is changes in accumulated other comprehensive income (loss) by component, net of tax, for the three and six months ending June 30, 2019 and 2018.

				For the Three Months Ended   June 30, 2019
Dollars in thousands	Gains and Losses on Pension Plan			Gains and Losses on Other Post-Retirement Benefits		Gains and Losses on Cash Flow Hedges			Unrealized Gains (Losses) on Available-for-Sale Securities			Total
Beginning balance	$	(328	)	$	139	$	(323	)	$	1,626		$	1,114
Other comprehensive income (loss) before reclassification	—			—		(414		)	2,346			1,932
Amounts reclassified from accumulated other comprehensive income	—			—		—			(825		)	(825		)
Net current period other comprehensive income (loss)	—			—		(414		)	1,521			1,107
Ending balance	$	(328	)	$	139	$	(737	)	$	3,147		$	2,221

	For the Three Months Ended   June 30, 2018
Dollars in thousands	Gains and Losses on Other Post-Retirement Benefits		Gains and Losses on Cash Flow Hedges			Unrealized Gains (Losses) on Available-for-Sale Securities			Total
Beginning balance	$	398	$	(849	)	$	(437	)	$	(888	)
Other comprehensive (loss) income before reclassification	—		377			(409		)	(32		)
Amounts reclassified from accumulated other comprehensive income	—		—			(66		)	(66		)
Net current period other comprehensive (loss) income	—		377			(475		)	(98		)
Ending balance	$	398	$	(472	)	$	(912	)	$	(986	)

				For the Six Months Ended   June 30, 2019
Dollars in thousands	Gains and Losses on Pension Plan			Gains and Losses on Other Post-Retirement Benefits		Gains and Losses on Cash Flow Hedges			Unrealized Gains (Losses) on Available-for-Sale Securities			Total
Beginning balance	$	—		$	139	$	(314	)	$	(841	)	$	(1,016	)
Other comprehensive income (loss) before reclassification	(328		)	—		(423		)	4,810			4,059
Amounts reclassified from accumulated other comprehensive income	—			—		—			(822		)	(822		)
Net current period other comprehensive income (loss)	(328		)	—		(423		)	3,988			3,237
Ending balance	$	(328	)	$	139	$	(737	)	$	3,147		$	2,221

	For the Six Months Ended   June 30, 2018
Dollars in thousands	Gains and Losses on Other Post-Retirement Benefits		Gains and Losses on Cash Flow Hedges			Unrealized Gains (Losses) on Available-for-Sale Securities			Total
Beginning balance	$	398	$	(1,564	)	$	2,898		$	1,732
Other comprehensive (loss) income before reclassification	—		1,092			(3,188		)	(2,096		)
Amounts reclassified from accumulated other comprehensive income	—		—			(622		)	(622		)
Net current period other comprehensive (loss) income	—		1,092			(3,810		)	(2,718		)
Ending balance	$	398	$	(472	)	$	(912	)	$	(986	)

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Income Taxes Income Taxes (Tables)

6 Months Ended

Jun. 30, 2019

Income Tax Disclosure [Abstract]

Schedule of Effective Income Tax Rate Reconciliation [Table Text Block]

A reconciliation between the statutory income tax rate and our effective income tax rate for the three and six months ended June 30, 2019 and 2018 is as follows:

	For the Three Months Ended June 30,				For the Six Months Ended June 30,
	2019		2018		2019		2018
Dollars in thousands	Percent		Percent		Percent		Percent
Applicable statutory rate	21.0	%	21.0	%	21.0	%	21.0	%
Increase (decrease) in rate resulting from:
Tax-exempt interest and dividends, net	(1.9	)%	(3.2	)%	(2.2	)%	(2.9	)%
State income taxes, net of Federal income tax benefit	1.6	%	2.3	%	1.8	%	2.2	%
Low-income housing and rehabilitation tax credits	(0.9	)%	(1.2	)%	(0.7	)%	(1.1	)%
Other, net	(1.8	)%	2.0	%	(1.7	)%	1.3	%
Effective income tax rate	18.0	%	20.9	%	18.2	%	20.5	%

Schedule of Components of Income Tax Expense (Benefit) [Table Text Block]

The components of applicable income tax expense for the three and six months ended June 30, 2019 and 2018 are as follows:

	For the Three Months Ended June 30,					For the Six Months Ended June 30,
Dollars in thousands	2019		2018			2019			2018
Current
Federal	$	1,596	$	1,464		$	3,247		$	3,217
State	206		233			470			510
	1,802		1,697			3,717			3,727
Deferred
Federal	68		(34		)	(206		)	(167		)
State	10		(5		)	(30		)	(26		)
	78		(39		)	(236		)	(193		)
Total	$	1,880	$	1,658		$	3,481		$	3,534

XML

Revenue Recognition Revenue from Contracts with Customers (Tables)

6 Months Ended

Jun. 30, 2019

Revenue from Contracts with Customers [Abstract]

Revenue from Contracts with Customers [Table Text Block]

The following table illustrates our total non-interest income segregated by revenues within the scope of ASC Topic 606 and those which are within the scope of other ASC Topics: 

	Three Months Ended June 30,				Six Months Ended June 30,
Dollars in thousands	2019		2018		2019		2018
Service fees on deposit accounts	$	1,224	$	1,116	$	2,405	$	2,207
Bank card revenue	893		801		1,707		1,550
Trust and wealth management fees	612		672		1,198		1,339
Insurance commissions	606		1,013		1,780		2,126
Other	70		58		158		137
Net revenue from contracts with customers	3,405		3,660		7,248		7,359
Non-interest income within the scope of other ASC topics	3,405		488		3,792		1,664
Total noninterest income	$	6,810	$	4,148	$	11,040	$	9,023

XML

Significant New Authoritative Accounting Guidance Significant New Authoritative Accounting Guidance (Details)	Mar. 31, 2019 USD ($)
Leases [Abstract]
Operating Lease, Right-of-Use Asset	$ 870,000

XML

Fair Value Measurements (Assets And Liabilities Recorded At Fair Value On A Recurring Basis) (Details) - USD ($) $ in Thousands	Jun. 30, 2019	Dec. 31, 2018
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	$ 269,920	$ 293,147	[1]
U.S. Government sponsored agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	23,724	26,140
Government Sponsored Agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	75,334	80,309
Nongovernment Sponsored Agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	9,170	614
Corporate Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	16,972	14,512
Asset-backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	33,452	25,175
Fair Value, Measurements, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	269,920	293,147
Fair Value, Measurements, Recurring [Member] | U.S. Government sponsored agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	23,724	26,140
Fair Value, Measurements, Recurring [Member] | Government Sponsored Agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	75,334	80,309
Fair Value, Measurements, Recurring [Member] | Nongovernment Sponsored Agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	9,170	614
Fair Value, Measurements, Recurring [Member] | U S States And Political Subdivisions General Obligations [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	23,365	19,243
Fair Value, Measurements, Recurring [Member] | Corporate Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	16,972	14,512
Fair Value, Measurements, Recurring [Member] | Asset-backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	33,452	25,175
Fair Value, Measurements, Recurring [Member] | Tax Exempt Debt Securities Us States And Political Subdivisions [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	87,903	127,154
Fair Value, Measurements, Recurring [Member] | Interest rate swap [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative Fair Value, Asset	0	555
Derivative Fair Value, Liability	1,247	411
Fair Value, Measurements, Recurring [Member] | Fair Value Inputs Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	0	0
Fair Value, Measurements, Recurring [Member] | Fair Value Inputs Level 1 [Member] | U.S. Government sponsored agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	0	0
Fair Value, Measurements, Recurring [Member] | Fair Value Inputs Level 1 [Member] | Government Sponsored Agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	0	0
Fair Value, Measurements, Recurring [Member] | Fair Value Inputs Level 1 [Member] | Nongovernment Sponsored Agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	0	0
Fair Value, Measurements, Recurring [Member] | Fair Value Inputs Level 1 [Member] | U S States And Political Subdivisions General Obligations [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	0	0
Fair Value, Measurements, Recurring [Member] | Fair Value Inputs Level 1 [Member] | Corporate Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	0	0
Fair Value, Measurements, Recurring [Member] | Fair Value Inputs Level 1 [Member] | Asset-backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	0	0
Fair Value, Measurements, Recurring [Member] | Fair Value Inputs Level 1 [Member] | Tax Exempt Debt Securities Us States And Political Subdivisions [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	0	0
Fair Value, Measurements, Recurring [Member] | Fair Value Inputs Level 1 [Member] | Interest rate swap [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative Fair Value, Asset	0	0
Derivative Fair Value, Liability	0	0
Fair Value, Measurements, Recurring [Member] | Fair Value Inputs Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	269,920	293,147
Fair Value, Measurements, Recurring [Member] | Fair Value Inputs Level 2 [Member] | U.S. Government sponsored agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	23,724	26,140
Fair Value, Measurements, Recurring [Member] | Fair Value Inputs Level 2 [Member] | Government Sponsored Agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	75,334	80,309
Fair Value, Measurements, Recurring [Member] | Fair Value Inputs Level 2 [Member] | Nongovernment Sponsored Agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	9,170	614
Fair Value, Measurements, Recurring [Member] | Fair Value Inputs Level 2 [Member] | U S States And Political Subdivisions General Obligations [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	23,365	19,243
Fair Value, Measurements, Recurring [Member] | Fair Value Inputs Level 2 [Member] | Corporate Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	16,972	14,512
Fair Value, Measurements, Recurring [Member] | Fair Value Inputs Level 2 [Member] | Asset-backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	33,452	25,175
Fair Value, Measurements, Recurring [Member] | Fair Value Inputs Level 2 [Member] | Tax Exempt Debt Securities Us States And Political Subdivisions [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	87,903	127,154
Fair Value, Measurements, Recurring [Member] | Fair Value Inputs Level 2 [Member] | Interest rate swap [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative Fair Value, Asset	0	555
Derivative Fair Value, Liability	1,247	411
Fair Value, Measurements, Recurring [Member] | Fair Value Inputs Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	0	0
Fair Value, Measurements, Recurring [Member] | Fair Value Inputs Level 3 [Member] | U.S. Government sponsored agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	0	0
Fair Value, Measurements, Recurring [Member] | Fair Value Inputs Level 3 [Member] | Government Sponsored Agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	0	0
Fair Value, Measurements, Recurring [Member] | Fair Value Inputs Level 3 [Member] | Nongovernment Sponsored Agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	0	0
Fair Value, Measurements, Recurring [Member] | Fair Value Inputs Level 3 [Member] | U S States And Political Subdivisions General Obligations [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	0	0
Fair Value, Measurements, Recurring [Member] | Fair Value Inputs Level 3 [Member] | Corporate Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	0	0
Fair Value, Measurements, Recurring [Member] | Fair Value Inputs Level 3 [Member] | Asset-backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	0	0
Fair Value, Measurements, Recurring [Member] | Fair Value Inputs Level 3 [Member] | Tax Exempt Debt Securities Us States And Political Subdivisions [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	0	0
Fair Value, Measurements, Recurring [Member] | Fair Value Inputs Level 3 [Member] | Interest rate swap [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative Fair Value, Asset	0	0
Derivative Fair Value, Liability	$ 0	$ 0

[1] Derived from audited consolidated financial statements

XML

Fair Value Measurements (Assets And Liabilities Recorded At Fair Value On A Nonrecurring Basis) (Details) - USD ($) $ in Thousands	Jun. 30, 2019	Dec. 31, 2018
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Residential mortgage loans held for sale	$ 314	$ 400
Collateral-dependent impaired loans	1,890	4,602
Foreclosed properties	16,624	18,443
Commercial [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent impaired loans	238	2,660
Commercial Real Estate Portfolio Segment [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent impaired loans	420	420
Foreclosed properties	1,414	1,677
Construction And Development Financial Receivable [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent impaired loans	515	759
Foreclosed properties	14,427	16,363
Residential Real Estate Financial Receivable [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent impaired loans	717	763
Foreclosed properties	783	403
Fair Value Inputs Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Residential mortgage loans held for sale	0	0
Collateral-dependent impaired loans	0	0
Foreclosed properties	0	0
Fair Value Inputs Level 1 [Member] | Commercial [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent impaired loans	0	0
Fair Value Inputs Level 1 [Member] | Commercial Real Estate Portfolio Segment [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent impaired loans	0	0
Foreclosed properties	0	0
Fair Value Inputs Level 1 [Member] | Construction And Development Financial Receivable [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent impaired loans	0	0
Foreclosed properties	0	0
Fair Value Inputs Level 1 [Member] | Residential Real Estate Financial Receivable [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent impaired loans	0	0
Foreclosed properties	0	0
Fair Value Inputs Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Residential mortgage loans held for sale	314	400
Collateral-dependent impaired loans	1,589	4,553
Foreclosed properties	16,624	18,443
Fair Value Inputs Level 2 [Member] | Commercial [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent impaired loans	8	2,611
Fair Value Inputs Level 2 [Member] | Commercial Real Estate Portfolio Segment [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent impaired loans	420	420
Foreclosed properties	1,414	1,677
Fair Value Inputs Level 2 [Member] | Construction And Development Financial Receivable [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent impaired loans	515	759
Foreclosed properties	14,427	16,363
Fair Value Inputs Level 2 [Member] | Residential Real Estate Financial Receivable [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent impaired loans	646	763
Foreclosed properties	783	403
Fair Value Inputs Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Residential mortgage loans held for sale	0	0
Collateral-dependent impaired loans	301	49
Foreclosed properties	0	0
Fair Value Inputs Level 3 [Member] | Commercial [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent impaired loans	230	49
Fair Value Inputs Level 3 [Member] | Commercial Real Estate Portfolio Segment [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent impaired loans	0	0
Foreclosed properties	0	0
Fair Value Inputs Level 3 [Member] | Construction And Development Financial Receivable [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent impaired loans	0	0
Foreclosed properties	0	0
Fair Value Inputs Level 3 [Member] | Residential Real Estate Financial Receivable [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent impaired loans	71	0
Foreclosed properties	$ 0	$ 0

XML

Fair Value Measurements (Carrying Values And Estimated Fair Values Of Financial Instruments) (Details) - USD ($) $ in Thousands	Jun. 30, 2019	Dec. 31, 2018
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Available-for-sale	$ 269,920	$ 293,147	[1]
Loans held for sale, net	314	400
Carrying Value [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Cash and cash equivalents	56,475	59,540
Debt Securities, Available-for-sale	269,920	293,147
Other investments	14,238	16,635
Loans held for sale, net	314	400
Loans, net	1,805,850	1,682,005
Accrued interest receivable	8,909	8,708
Derivative Asset	0	555
Total assets	2,155,706	2,060,990
Deposits	1,797,493	1,634,826
Short-term borrowings	225,343	309,084
Long-term borrowings	726	735
Subordinated debentures owed to unconsolidated subsidiary trusts	19,589	19,589
Accrued interest payable	1,370	1,102
Derivative financial liabilities	1,247	411
Total liabilities	2,045,768	1,965,747
Estimated Fair Value [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Cash and cash equivalents	56,475	59,540
Debt Securities, Available-for-sale	269,920	293,147
Other investments	14,238	16,635
Loans held for sale, net	314	400
Loans, net	1,808,046	1,666,834
Accrued interest receivable	8,909	8,708
Derivative Asset	0	555
Total assets	2,157,902	2,045,819
Deposits	1,803,314	1,631,456
Short-term borrowings	225,343	309,084
Long-term borrowings	867	843
Subordinated debentures owed to unconsolidated subsidiary trusts	19,589	19,589
Accrued interest payable	1,370	1,102
Derivative financial liabilities	1,247	411
Total liabilities	2,051,730	1,962,485
Fair Value Inputs Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale, net	0	0
Fair Value Inputs Level 1 [Member] | Estimated Fair Value [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Cash and cash equivalents	0	0
Debt Securities, Available-for-sale	0	0
Other investments	0	0
Loans held for sale, net	0	0
Loans, net	0	0
Accrued interest receivable	0	0
Derivative Asset	0	0
Total assets	0	0
Deposits	0	0
Short-term borrowings	0	0
Long-term borrowings	0	0
Subordinated debentures owed to unconsolidated subsidiary trusts	0	0
Accrued interest payable	0	0
Derivative financial liabilities	0	0
Total liabilities	0	0
Fair Value Inputs Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale, net	314	400
Fair Value Inputs Level 2 [Member] | Estimated Fair Value [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Cash and cash equivalents	56,475	59,540
Debt Securities, Available-for-sale	269,920	293,147
Other investments	14,238	16,635
Loans held for sale, net	314	400
Loans, net	1,589	4,553
Accrued interest receivable	8,909	8,708
Derivative Asset	0	555
Total assets	351,445	383,538
Deposits	1,803,314	1,631,456
Short-term borrowings	225,343	309,084
Long-term borrowings	867	843
Subordinated debentures owed to unconsolidated subsidiary trusts	19,589	19,589
Accrued interest payable	1,370	1,102
Derivative financial liabilities	1,247	411
Total liabilities	2,051,730	1,962,485
Fair Value Inputs Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale, net	0	0
Fair Value Inputs Level 3 [Member] | Estimated Fair Value [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Cash and cash equivalents	0	0
Debt Securities, Available-for-sale	0	0
Other investments	0	0
Loans held for sale, net	0	0
Loans, net	1,806,457	1,662,281
Accrued interest receivable	0	0
Derivative Asset	0	0
Total assets	1,806,457	1,662,281
Deposits	0	0
Short-term borrowings	0	0
Long-term borrowings	0	0
Subordinated debentures owed to unconsolidated subsidiary trusts	0	0
Accrued interest payable	0	0
Derivative financial liabilities	0	0
Total liabilities	$ 0	$ 0

[1] Derived from audited consolidated financial statements

XML

Earnings Per Share (Computations Of Basic And Diluted Earnings Per Share) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
Earnings Per Share [Line Items]
Anti-dilutive stock options			7,700	0
Net income	$ 8,564	$ 6,280	$ 15,656	$ 13,723
Net Income (Loss) Available to Common Stockholders, Basic	$ 8,564	$ 6,280	$ 15,656	$ 13,723
Basic EPS, Common Shares (Denominator) (in shares)	12,539,095	12,366,522	12,627,806	12,362,679
Basic EPS (in dollars per share)	$ 0.68	$ 0.51	$ 1.24	$ 1.11
Diluted EPS, Stock options, Common Shares (Denominator) (in shares)	5,052	7,814	5,182	7,668
Incremental Common Shares Attributable to Dilutive Effect of Share-based Payment Arrangements	55,924	57,648	55,877	55,405
Diluted EPS, Income (Numerator)	$ 8,564	$ 6,280	$ 15,656	$ 13,723
Diluted EPS, Common Shares (Denominator) (in shares)	12,600,071	12,431,984	12,688,865	12,425,751
Diluted EPS (in dollars per share)	$ 0.68	$ 0.51	$ 1.23	$ 1.10

XML

Earnings Per Share (Narrative) (Details) - shares	6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Anti-dilutive stock options	7,700	0
Stock Appreciation Rights (SARs) [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Anti-dilutive stock options	84,615	87,615

XML

Securities (Summary Of Amortized Cost, Unrealized Gains, Unrealized Losses And Estimated Fair Values) (Details) - USD ($) $ in Thousands	Jun. 30, 2019	Dec. 31, 2018
Debt Securities, Available-for-sale [Line Items]
Total Amortized Cost	$ 265,778	$ 294,251
Available for sale securities, Unrealized Gains	6,152	1,907
Available for sale securities, Unrealized Losses	2,010	3,011
Debt Securities, Available-for-sale	269,920	293,147	[1]
Tax Exempt State and Political Subdivisions University Revenues [Member]
Debt Securities, Available-for-sale [Line Items]
Total Amortized Cost	3,439
Available for sale securities, Unrealized Gains	101
Available for sale securities, Unrealized Losses	0
Debt Securities, Available-for-sale	3,540
U S Government Corporations And Agencies Securities [Member]
Debt Securities, Available-for-sale [Line Items]
Total Amortized Cost	23,807	26,303
Available for sale securities, Unrealized Gains	259	203
Available for sale securities, Unrealized Losses	342	366
Debt Securities, Available-for-sale	23,724	26,140
Government Sponsored Agencies [Member]
Debt Securities, Available-for-sale [Line Items]
Total Amortized Cost	74,976	80,883
Available for sale securities, Unrealized Gains	974	603
Available for sale securities, Unrealized Losses	616	1,177
Debt Securities, Available-for-sale	75,334	80,309
Nongovernment Sponsored Agencies [Member]
Debt Securities, Available-for-sale [Line Items]
Total Amortized Cost	9,245	611
Available for sale securities, Unrealized Gains	13	4
Available for sale securities, Unrealized Losses	88	1
Debt Securities, Available-for-sale	9,170	614
State and Political Subdivisions General Obligations [Member]
Debt Securities, Available-for-sale [Line Items]
Total Amortized Cost	3,184	6,081
Available for sale securities, Unrealized Gains	69	0
Available for sale securities, Unrealized Losses	0	126
Debt Securities, Available-for-sale	3,253	5,955
State and Policital Subdivisions Other Revenues [Member]
Debt Securities, Available-for-sale [Line Items]
Total Amortized Cost	15,680	13,457
Available for sale securities, Unrealized Gains	600	17
Available for sale securities, Unrealized Losses	0	186
Debt Securities, Available-for-sale	16,280	13,288
Corporate Debt Securities [Member]
Debt Securities, Available-for-sale [Line Items]
Total Amortized Cost	17,267	14,807
Available for sale securities, Unrealized Gains	28	9
Available for sale securities, Unrealized Losses	323	304
Debt Securities, Available-for-sale	16,972	14,512
Asset-backed Securities [Member]
Debt Securities, Available-for-sale [Line Items]
Total Amortized Cost	34,078	25,288
Available for sale securities, Unrealized Gains	0	10
Available for sale securities, Unrealized Losses	626	123
Debt Securities, Available-for-sale	33,452	25,175
Taxable Debt Securities [Member]
Debt Securities, Available-for-sale [Line Items]
Total Amortized Cost	181,987	167,430
Available for sale securities, Unrealized Gains	2,025	846
Available for sale securities, Unrealized Losses	1,995	2,283
Debt Securities, Available-for-sale	182,017	165,993
Tax Exempt State and Political Subdivisions General Obligations [Member]
Debt Securities, Available-for-sale [Line Items]
Total Amortized Cost	43,198	65,626
Available for sale securities, Unrealized Gains	2,352	624
Available for sale securities, Unrealized Losses	2	344
Debt Securities, Available-for-sale	45,548	65,906
Tax Exempt State and Political Subdivisions Water and Sewer Revenues [Member]
Debt Securities, Available-for-sale [Line Items]
Total Amortized Cost	12,924	20,018
Available for sale securities, Unrealized Gains	621	225
Available for sale securities, Unrealized Losses	0	98
Debt Securities, Available-for-sale	13,545	20,145
Tax Exempt State and Political Subdivisions Lease Revenues [Member]
Debt Securities, Available-for-sale [Line Items]
Total Amortized Cost	8,567	10,980
Available for sale securities, Unrealized Gains	485	135
Available for sale securities, Unrealized Losses	0	7
Debt Securities, Available-for-sale	9,052	11,108
Tax Exempt State and Political Subdivisions Other Revenues [Member]
Debt Securities, Available-for-sale [Line Items]
Total Amortized Cost	15,663	30,197
Available for sale securities, Unrealized Gains	568	77
Available for sale securities, Unrealized Losses	13	279
Debt Securities, Available-for-sale	16,218	29,995
Tax Exempt Debt Securities [Member]
Debt Securities, Available-for-sale [Line Items]
Total Amortized Cost	83,791	126,821
Available for sale securities, Unrealized Gains	4,127	1,061
Available for sale securities, Unrealized Losses	15	728
Debt Securities, Available-for-sale	87,903	$ 127,154
State and Policital Subdivisions Water and Sewer Revenues [Member]
Debt Securities, Available-for-sale [Line Items]
Total Amortized Cost	3,750
Available for sale securities, Unrealized Gains	82
Available for sale securities, Unrealized Losses	0
Debt Securities, Available-for-sale	$ 3,832

[1] Derived from audited consolidated financial statements

XML

Securities (Summary of Volume of State and Political Subdivision Securities Held in Portfolio) (Details) - USD ($) $ in Thousands	Jun. 30, 2019	Dec. 31, 2018
Debt Securities, Available-for-sale [Line Items]
Debt Securities, Available-for-sale, Amortized Cost	$ 265,778	$ 294,251
Available for sale securities, Unrealized Gains	6,152	1,907
Available for sale securities, Unrealized Losses	2,010	3,011
Debt Securities, Available-for-sale	269,920	$ 293,147	[1]
CALIFORNIA
Debt Securities, Available-for-sale [Line Items]
Debt Securities, Available-for-sale, Amortized Cost	16,108
Available for sale securities, Unrealized Gains	1,126
Available for sale securities, Unrealized Losses	2
Debt Securities, Available-for-sale	17,232
ILLINOIS
Debt Securities, Available-for-sale [Line Items]
Debt Securities, Available-for-sale, Amortized Cost	15,518
Available for sale securities, Unrealized Gains	512
Available for sale securities, Unrealized Losses	0
Debt Securities, Available-for-sale	16,030
MICHIGAN
Debt Securities, Available-for-sale [Line Items]
Debt Securities, Available-for-sale, Amortized Cost	10,940
Available for sale securities, Unrealized Gains	481
Available for sale securities, Unrealized Losses	0
Debt Securities, Available-for-sale	11,421
WEST VIRGINIA
Debt Securities, Available-for-sale [Line Items]
Debt Securities, Available-for-sale, Amortized Cost	9,399
Available for sale securities, Unrealized Gains	219
Available for sale securities, Unrealized Losses	13
Debt Securities, Available-for-sale	9,605
NEW YORK
Debt Securities, Available-for-sale [Line Items]
Debt Securities, Available-for-sale, Amortized Cost	8,561
Available for sale securities, Unrealized Gains	348
Available for sale securities, Unrealized Losses	0
Debt Securities, Available-for-sale	$ 8,909

[1] Derived from audited consolidated financial statements

XML

Securities (Summary Of Maturities, Amortized Cost And Estimated Fair Values Of Securities) (Details) - USD ($) $ in Thousands	Jun. 30, 2019	Dec. 31, 2018
Debt Securities, Available-for-sale [Abstract]
Due in one year or less, Amortized Cost	$ 35,134
Due from one to five years, Amortized Cost	79,573
Due from five to ten years, Amortized Cost	59,026
Due after ten years, Amortized Cost	92,045
Total Amortized Cost	265,778	$ 294,251
Due in one year or less, Estimated Fair Value	35,149
Due from one to five years, Estimated Fair Value	79,582
Due from five to ten years, Estimated Fair Value	59,183
Due after ten years, Estimated Fair Value	96,006
Total Estimated Fair Value	$ 269,920	$ 293,147	[1]

[1] Derived from audited consolidated financial statements

XML

Securities (Summary Of Proceeds From Sales, Calls And Maturities, Principal Payments, Gains And Losses Of Securities) (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018
Debt Securities, Available-for-sale [Abstract]
Proceeds from Sale of Debt Securities, Available-for-sale	$ 114,171	$ 69,235
Securities available for sale, Proceeds from Calls and Maturities	1,445	1,050
Securities available for sale, Proceeds from Principal Payments	13,822	13,393
Securities available for sale, Gross realized Gains	1,213	1,637
Securities available for sale, Gross realized Losses	$ 131	$ 818

XML

Securities (Narrative) (Details)	6 Months Ended
	Jun. 30, 2019 security state	Dec. 31, 2018 security
Debt Securities, Available-for-sale [Abstract]
Number of states with highest volume of state and political subdivision securities | state	5
Debt Securities, Available-for-sale, Unrealized Loss Position, Number of Positions | security	68	134

XML

Securities (Summary Of Securities Available For Sale In Unrealized Loss Position) (Details) $ in Thousands	Jun. 30, 2019 USD ($) security	Dec. 31, 2018 USD ($) security
Debt Securities, Available-for-sale [Line Items]
Debt Securities, Available-for-sale, Unrealized Loss Position, Number of Positions | security	68	134
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	$ 63,356	$ 75,442
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	1,134	791
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	37,398	84,860
Debt Securities Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	876	2,220
Debt Securities, Available-for-sale, Unrealized Loss Position	100,754	160,302
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	$ 2,010	$ 3,011
U S Government Corporations And Agencies Securities [Member]
Debt Securities, Available-for-sale [Line Items]
Debt Securities, Available-for-sale, Unrealized Loss Position, Number of Positions | security	15	15
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	$ 0	$ 12,185
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	0	184
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	17,371	7,464
Debt Securities Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	342	182
Debt Securities, Available-for-sale, Unrealized Loss Position	17,371	19,649
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	$ 342	$ 366
Government Sponsored Agencies [Member]
Debt Securities, Available-for-sale [Line Items]
Debt Securities, Available-for-sale, Unrealized Loss Position, Number of Positions | security	25	37
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	$ 17,041	$ 23,277
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	301	241
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	16,460	24,472
Debt Securities Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	315	936
Debt Securities, Available-for-sale, Unrealized Loss Position	33,501	47,749
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	$ 616	$ 1,177
Nongovernment Sponsored Agencies [Member]
Debt Securities, Available-for-sale [Line Items]
Debt Securities, Available-for-sale, Unrealized Loss Position, Number of Positions | security	3	1
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	$ 7,002	$ 0
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	88	0
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	0	436
Debt Securities Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	0	1
Debt Securities, Available-for-sale, Unrealized Loss Position	7,002	436
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	$ 88	$ 1
State and Political Subdivisions General Obligations [Member]
Debt Securities, Available-for-sale [Line Items]
Debt Securities, Available-for-sale, Unrealized Loss Position, Number of Positions | security		8
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months		$ 0
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss		0
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer		5,222
Debt Securities Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss		126
Debt Securities, Available-for-sale, Unrealized Loss Position		5,222
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss		$ 126
State and Political Subdivisions Other Revenues [Member]
Debt Securities, Available-for-sale [Line Items]
Debt Securities, Available-for-sale, Unrealized Loss Position, Number of Positions | security		11
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months		$ 968
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss		16
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer		9,450
Debt Securities Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss		170
Debt Securities, Available-for-sale, Unrealized Loss Position		10,418
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss		$ 186
Corporate Debt Securities [Member]
Debt Securities, Available-for-sale [Line Items]
Debt Securities, Available-for-sale, Unrealized Loss Position, Number of Positions | security	8	7
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	$ 5,171	$ 2,759
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	117	109
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	2,544	4,587
Debt Securities Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	206	195
Debt Securities, Available-for-sale, Unrealized Loss Position	7,715	7,346
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	$ 323	$ 304
Asset-backed Securities [Member]
Debt Securities, Available-for-sale [Line Items]
Debt Securities, Available-for-sale, Unrealized Loss Position, Number of Positions | security	15	9
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	$ 33,452	$ 20,129
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	626	123
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	0	0
Debt Securities Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	0	0
Debt Securities, Available-for-sale, Unrealized Loss Position	33,452	20,129
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	$ 626	$ 123
Tax Exempt State and Political Subdivisions General Obligations [Member]
Debt Securities, Available-for-sale [Line Items]
Debt Securities, Available-for-sale, Unrealized Loss Position, Number of Positions | security	1	25
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	$ 690	$ 7,273
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	2	50
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	0	16,830
Debt Securities Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	0	294
Debt Securities, Available-for-sale, Unrealized Loss Position	690	24,103
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	$ 2	$ 344
Tax Exempt State and Political Subdivisions Water and Sewer Revenues [Member]
Debt Securities, Available-for-sale [Line Items]
Debt Securities, Available-for-sale, Unrealized Loss Position, Number of Positions | security		7
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months		$ 989
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss		6
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer		4,311
Debt Securities Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss		92
Debt Securities, Available-for-sale, Unrealized Loss Position		5,300
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss		$ 98
Tax Exempt State and Political Subdivisions Lease Revenues [Member]
Debt Securities, Available-for-sale [Line Items]
Debt Securities, Available-for-sale, Unrealized Loss Position, Number of Positions | security		2
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months		$ 553
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss		0
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer		557
Debt Securities Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss		7
Debt Securities, Available-for-sale, Unrealized Loss Position		1,110
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss		$ 7
Tax Exempt State and Political Subdivisions Other Revenues [Member]
Debt Securities, Available-for-sale [Line Items]
Debt Securities, Available-for-sale, Unrealized Loss Position, Number of Positions | security	1	12
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	$ 0	$ 7,309
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	0	62
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	1,023	11,531
Debt Securities Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	13	217
Debt Securities, Available-for-sale, Unrealized Loss Position	1,023	18,840
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	$ 13	$ 279

XML

Loans (Narrative) (Details) - USD ($)	6 Months Ended
	Jun. 30, 2019	Dec. 31, 2018
Loans and Leases Receivable Disclosure [Abstract]
Risk rate loans, aggregate balance threshold	$ 2,500,000
Risk rate loans, loan balance threshold	500,000
Troubled debt restructurings included in impaired loans	26,200,000	$ 27,000,000
Current Troubled debt restructurings included in impaired loans	$ 23,200,000	$ 26,600,000
Number of days past due to be considered in default	30 days

XML

Loans (Summary of Loans, Net of Unearned Fees) (Details) - USD ($) $ in Thousands	Jun. 30, 2019	Dec. 31, 2018
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	$ 1,819,002	$ 1,695,052	[1]
Less allowance for loan losses	13,152	13,047	[1]
Loans and Leases Receivable, Net Amount	1,805,850	1,682,005	[1]
Commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	204,138	194,315
Owner Occupied [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	262,901	257,256
Non-Owner Occupied [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	574,677	573,932
Land and Land Improvements [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	67,769	68,833
Construction Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	46,975	24,731
Non-Jumbo [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	360,752	336,977
Jumbo [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	70,171	73,599
Home Equity [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	81,373	80,910
Mortgage Warehouse Lines [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	101,607	39,140
Consumer Portfolio Segment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	36,715	32,460
Other Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	$ 11,924	$ 12,899

[1] Derived from audited consolidated financial statements

XML

Loans Loans (Schedule of Acquired Loans) (Details) - USD ($) $ in Thousands	Jun. 30, 2019	Dec. 31, 2018
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Acquired Loans Total Outstanding Balance	$ 158,846	$ 142,442
Acquired Loans Carrying Value	156,086	140,198
Commercial Portfolio Segment [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Acquired Loans Carrying Value	4,056	3,934
Owner Occupied [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Acquired Loans Carrying Value	19,729	16,133
Non-Owner Occupied [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Acquired Loans Carrying Value	18,063	24,593
Land and Land Improvements [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Acquired Loans Carrying Value	4,178	5,161
Construction Loans [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Acquired Loans Carrying Value	0	0
Non-Jumbo [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Acquired Loans Carrying Value	97,645	79,268
Jumbo [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Acquired Loans Carrying Value	4,106	3,552
Home Equity [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Acquired Loans Carrying Value	2,440	2,805
Consumer Portfolio Segment [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Acquired Loans Carrying Value	5,854	4,630
Other Loans [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Acquired Loans Carrying Value	15	122
Purchased Impaired Loans [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Outstanding Balance	4,282	4,275
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Carrying Amount, Net	3,517	3,511
Purchased Impaired Loans [Member] | Commercial Portfolio Segment [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Carrying Amount, Net	0	0
Purchased Impaired Loans [Member] | Owner Occupied [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Carrying Amount, Net	0	0
Purchased Impaired Loans [Member] | Non-Owner Occupied [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Carrying Amount, Net	1,262	1,162
Purchased Impaired Loans [Member] | Land and Land Improvements [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Carrying Amount, Net	0	0
Purchased Impaired Loans [Member] | Construction Loans [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Carrying Amount, Net	0	0
Purchased Impaired Loans [Member] | Non-Jumbo [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Carrying Amount, Net	1,293	1,374
Purchased Impaired Loans [Member] | Jumbo [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Carrying Amount, Net	962	975
Purchased Impaired Loans [Member] | Home Equity [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Carrying Amount, Net	0	0
Purchased Impaired Loans [Member] | Consumer Portfolio Segment [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Carrying Amount, Net	0	0
Purchased Impaired Loans [Member] | Other Loans [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Carrying Amount, Net	0	0
Purchase Nonimpaired Loans [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Acquired Loans Purchase Performing Outstanding Balance	154,564	138,167
Acquired Loans Purchased Performing Carrying Value	152,569	136,687
Purchase Nonimpaired Loans [Member] | Commercial Portfolio Segment [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Acquired Loans Purchased Performing Carrying Value	4,056	3,934
Purchase Nonimpaired Loans [Member] | Owner Occupied [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Acquired Loans Purchased Performing Carrying Value	19,729	16,133
Purchase Nonimpaired Loans [Member] | Non-Owner Occupied [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Acquired Loans Purchased Performing Carrying Value	16,801	23,431
Purchase Nonimpaired Loans [Member] | Land and Land Improvements [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Acquired Loans Purchased Performing Carrying Value	4,178	5,161
Purchase Nonimpaired Loans [Member] | Construction Loans [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Acquired Loans Purchased Performing Carrying Value	0	0
Purchase Nonimpaired Loans [Member] | Non-Jumbo [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Acquired Loans Purchased Performing Carrying Value	96,352	77,894
Purchase Nonimpaired Loans [Member] | Jumbo [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Acquired Loans Purchased Performing Carrying Value	3,144	2,577
Purchase Nonimpaired Loans [Member] | Home Equity [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Acquired Loans Purchased Performing Carrying Value	2,440	2,805
Purchase Nonimpaired Loans [Member] | Consumer Portfolio Segment [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Acquired Loans Purchased Performing Carrying Value	5,854	4,630
Purchase Nonimpaired Loans [Member] | Other Loans [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Acquired Loans Purchased Performing Carrying Value	$ 15	$ 122

XML

Loans Loans (Summary of Change in Accretable Yield PCI Loans) (Details) - Purchased Impaired Loans [Member] - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018	Mar. 31, 2019	Dec. 31, 2018	Mar. 31, 2018	Dec. 31, 2017
Summary of Change in Accretable Yield PCI Loans [Line Items]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield	$ 597	$ 676	$ 597	$ 676	$ 623	$ 632	$ 708	$ 745
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Accretion	(26)	(32)	(34)	(69)
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Reclassifications from Nonaccretable Difference	0	0	0	0
Certain Loans Acquired in Transfer Not Accounting for as Debt Securities Accretable Yield Other Changes, Net	$ 0	$ 0	$ (1)	$ 0

XML

Loans (Schedule of Contractual Aging of Recorded Investment in Past Due Loans by Class) (Details) - USD ($) $ in Thousands	Jun. 30, 2019	Dec. 31, 2018
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	$ 19,760	$ 19,693
Current	1,799,242	1,675,359
Recorded Investment greater then 90 days and Accruing	208	36
Commercial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	1,164	788
Current	202,974	193,527
Recorded Investment greater then 90 days and Accruing	0	0
Owner Occupied [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	4,974	612
Current	257,927	256,644
Recorded Investment greater then 90 days and Accruing	0	0
Non-Owner Occupied [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	2,668	2,167
Current	572,009	571,765
Recorded Investment greater then 90 days and Accruing	0	0
Land and Land Improvements [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	301	3,368
Current	67,468	65,465
Recorded Investment greater then 90 days and Accruing	0	0
Construction Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	0	0
Current	46,975	24,731
Recorded Investment greater then 90 days and Accruing	0	0
Non-Jumbo [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	9,056	10,108
Current	351,696	326,869
Recorded Investment greater then 90 days and Accruing	119	0
Jumbo [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	642	675
Current	69,529	72,924
Recorded Investment greater then 90 days and Accruing	0	0
Home Equity [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	453	1,196
Current	80,920	79,714
Recorded Investment greater then 90 days and Accruing	21	0
Mortgage Warehouse Lines [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	0	0
Current	101,607	39,140
Recorded Investment greater then 90 days and Accruing	0	0
Consumer Portfolio Segment [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	402	748
Current	36,313	31,712
Recorded Investment greater then 90 days and Accruing	68	36
Other Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	100	31
Current	11,824	12,868
Recorded Investment greater then 90 days and Accruing	0	0
Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	7,764	6,007
Financing Receivables, 30 to 59 Days Past Due [Member] | Commercial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	327	254
Financing Receivables, 30 to 59 Days Past Due [Member] | Owner Occupied [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	520	0
Financing Receivables, 30 to 59 Days Past Due [Member] | Non-Owner Occupied [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	0	156
Financing Receivables, 30 to 59 Days Past Due [Member] | Land and Land Improvements [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	258	190
Financing Receivables, 30 to 59 Days Past Due [Member] | Construction Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	0	0
Financing Receivables, 30 to 59 Days Past Due [Member] | Non-Jumbo [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	5,686	4,120
Financing Receivables, 30 to 59 Days Past Due [Member] | Jumbo [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	642	0
Financing Receivables, 30 to 59 Days Past Due [Member] | Home Equity [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	101	754
Financing Receivables, 30 to 59 Days Past Due [Member] | Mortgage Warehouse Lines [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	0	0
Financing Receivables, 30 to 59 Days Past Due [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	230	502
Financing Receivables, 30 to 59 Days Past Due [Member] | Other Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	0	31
Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	2,305	2,927
Financing Receivables, 60 to 89 Days Past Due [Member] | Commercial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	137	51
Financing Receivables, 60 to 89 Days Past Due [Member] | Owner Occupied [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	0	0
Financing Receivables, 60 to 89 Days Past Due [Member] | Non-Owner Occupied [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	1,205	255
Financing Receivables, 60 to 89 Days Past Due [Member] | Land and Land Improvements [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	0	4
Financing Receivables, 60 to 89 Days Past Due [Member] | Construction Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	0	0
Financing Receivables, 60 to 89 Days Past Due [Member] | Non-Jumbo [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	806	2,235
Financing Receivables, 60 to 89 Days Past Due [Member] | Jumbo [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	0	0
Financing Receivables, 60 to 89 Days Past Due [Member] | Home Equity [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	94	261
Financing Receivables, 60 to 89 Days Past Due [Member] | Mortgage Warehouse Lines [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	0	0
Financing Receivables, 60 to 89 Days Past Due [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	63	121
Financing Receivables, 60 to 89 Days Past Due [Member] | Other Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	0	0
Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	9,691	10,759
Financing Receivables, Equal to Greater than 90 Days Past Due [Member] | Commercial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	700	483
Financing Receivables, Equal to Greater than 90 Days Past Due [Member] | Owner Occupied [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	4,454	612
Financing Receivables, Equal to Greater than 90 Days Past Due [Member] | Non-Owner Occupied [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	1,463	1,756
Financing Receivables, Equal to Greater than 90 Days Past Due [Member] | Land and Land Improvements [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	43	3,174
Financing Receivables, Equal to Greater than 90 Days Past Due [Member] | Construction Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	0	0
Financing Receivables, Equal to Greater than 90 Days Past Due [Member] | Non-Jumbo [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	2,564	3,753
Financing Receivables, Equal to Greater than 90 Days Past Due [Member] | Jumbo [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	0	675
Financing Receivables, Equal to Greater than 90 Days Past Due [Member] | Home Equity [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	258	181
Financing Receivables, Equal to Greater than 90 Days Past Due [Member] | Mortgage Warehouse Lines [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	0	0
Financing Receivables, Equal to Greater than 90 Days Past Due [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	109	125
Financing Receivables, Equal to Greater than 90 Days Past Due [Member] | Other Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	$ 100	$ 0

XML

Loans (Schedule of Nonaccrual Loans Included in Net Balance of Loans) (Details) - USD ($) $ in Thousands	Jun. 30, 2019	Dec. 31, 2018
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Nonaccrual Status	$ 13,267	$ 14,989
Commercial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Nonaccrual Status	948	935
Owner Occupied [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Nonaccrual Status	4,624	1,028
Non-Owner Occupied [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Nonaccrual Status	1,920	2,210
Land and Land Improvements [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Nonaccrual Status	66	3,198
Construction Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Nonaccrual Status	0	0
Non-Jumbo [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Nonaccrual Status	4,561	6,532
Jumbo [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Nonaccrual Status	642	675
Home Equity [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Nonaccrual Status	314	299
Mortgage Warehouse Lines [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Nonaccrual Status	0	0
Consumer Portfolio Segment [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Nonaccrual Status	92	112
Other Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Nonaccrual Status	$ 100	$ 0

XML

Loans (Schedule of Loans Individually Evaluated for Impairment) (Details) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2019	Dec. 31, 2018
Financing Receivable, Impaired [Line Items]
Recorded Investment	$ 40,839	$ 43,356
Unpaid Principal Balance	40,856	43,607
Related Allowance	1,673	2,142
Average Impaired Balance	40,054	37,972
Interest Income Recognized while impaired	1,780	1,680
Commercial [Member]
Financing Receivable, Impaired [Line Items]
Without a related allowance, Recorded Investment	5,215	1,019
Without a related allowance, Unpaid Principal Balance	5,216	1,253
Without a related allowance, Average Impaired Balance	5,371	321
Without a related allowance, Interest Income Recognized while impaired	334	16
With a related allowance, Recorded Investment	269	3,343
With a related allowance, Unpaid Principal Balance	269	3,342
With a related allowance, Related Allowance	30	682
With a related allowance, Average Impaired Balance	184	705
With a related allowance, Interest Income Recognized while impaired	1	39
Owner Occupied [Member]
Financing Receivable, Impaired [Line Items]
Without a related allowance, Recorded Investment	8,867	8,600
Without a related allowance, Unpaid Principal Balance	8,872	8,605
Without a related allowance, Average Impaired Balance	8,822	7,730
Without a related allowance, Interest Income Recognized while impaired	207	318
With a related allowance, Recorded Investment	2,915	2,969
With a related allowance, Unpaid Principal Balance	2,914	2,969
With a related allowance, Related Allowance	444	462
With a related allowance, Average Impaired Balance	2,924	2,397
With a related allowance, Interest Income Recognized while impaired	114	117
Non-Owner Occupied [Member]
Financing Receivable, Impaired [Line Items]
Without a related allowance, Recorded Investment	10,814	9,666
Without a related allowance, Unpaid Principal Balance	10,821	9,673
Without a related allowance, Average Impaired Balance	9,967	9,753
Without a related allowance, Interest Income Recognized while impaired	504	493
With a related allowance, Recorded Investment	0	189
With a related allowance, Unpaid Principal Balance	0	191
With a related allowance, Related Allowance	0	9
With a related allowance, Average Impaired Balance	0	226
With a related allowance, Interest Income Recognized while impaired	0	16
Land and Land Improvements [Member]
Financing Receivable, Impaired [Line Items]
Without a related allowance, Recorded Investment	1,088	4,767
Without a related allowance, Unpaid Principal Balance	1,088	4,767
Without a related allowance, Average Impaired Balance	1,129	4,947
Without a related allowance, Interest Income Recognized while impaired	68	102
With a related allowance, Recorded Investment	1,035	1,057
With a related allowance, Unpaid Principal Balance	1,036	1,057
With a related allowance, Related Allowance	521	298
With a related allowance, Average Impaired Balance	1,041	1,073
With a related allowance, Interest Income Recognized while impaired	57	56
Construction [Member]
Financing Receivable, Impaired [Line Items]
Without a related allowance, Recorded Investment	0	0
Without a related allowance, Unpaid Principal Balance	0	0
Without a related allowance, Average Impaired Balance	0	0
Without a related allowance, Interest Income Recognized while impaired	0	0
With a related allowance, Recorded Investment	0	0
With a related allowance, Unpaid Principal Balance	0	0
With a related allowance, Related Allowance	0	0
With a related allowance, Average Impaired Balance	0	0
With a related allowance, Interest Income Recognized while impaired	0	0
Non-Jumbo [Member]
Financing Receivable, Impaired [Line Items]
Without a related allowance, Recorded Investment	3,705	3,279
Without a related allowance, Unpaid Principal Balance	3,711	3,284
Without a related allowance, Average Impaired Balance	3,698	3,401
Without a related allowance, Interest Income Recognized while impaired	198	180
With a related allowance, Recorded Investment	2,371	2,982
With a related allowance, Unpaid Principal Balance	2,370	2,981
With a related allowance, Related Allowance	678	585
With a related allowance, Average Impaired Balance	2,341	2,539
With a related allowance, Interest Income Recognized while impaired	74	98
Jumbo [Member]
Financing Receivable, Impaired [Line Items]
Without a related allowance, Recorded Investment	4,022	4,132
Without a related allowance, Unpaid Principal Balance	4,021	4,130
Without a related allowance, Average Impaired Balance	4,044	3,517
Without a related allowance, Interest Income Recognized while impaired	190	166
With a related allowance, Recorded Investment	0	821
With a related allowance, Unpaid Principal Balance	0	822
With a related allowance, Related Allowance	0	106
With a related allowance, Average Impaired Balance	0	827
With a related allowance, Interest Income Recognized while impaired	0	48
Home Equity [Member]
Financing Receivable, Impaired [Line Items]
Without a related allowance, Recorded Investment	523	523
Without a related allowance, Unpaid Principal Balance	523	523
Without a related allowance, Average Impaired Balance	523	523
Without a related allowance, Interest Income Recognized while impaired	32	30
With a related allowance, Recorded Investment	0	0
With a related allowance, Unpaid Principal Balance	0	0
With a related allowance, Related Allowance	0	0
With a related allowance, Average Impaired Balance	0	0
With a related allowance, Interest Income Recognized while impaired	0	0
Mortgage Warehouse Lines [Member]
Financing Receivable, Impaired [Line Items]
Without a related allowance, Recorded Investment	0	0
Without a related allowance, Unpaid Principal Balance	0	0
Without a related allowance, Average Impaired Balance	0	0
Without a related allowance, Interest Income Recognized while impaired	0	0
With a related allowance, Recorded Investment	0	0
With a related allowance, Unpaid Principal Balance	0	0
With a related allowance, Related Allowance	0	0
With a related allowance, Average Impaired Balance	0	0
With a related allowance, Interest Income Recognized while impaired	0	0
Consumer Portfolio Segment [Member]
Financing Receivable, Impaired [Line Items]
Without a related allowance, Recorded Investment	15	9
Without a related allowance, Unpaid Principal Balance	15	10
Without a related allowance, Average Impaired Balance	10	13
Without a related allowance, Interest Income Recognized while impaired	1	1
With a related allowance, Recorded Investment	0	0
With a related allowance, Unpaid Principal Balance	0	0
With a related allowance, Related Allowance	0	0
With a related allowance, Average Impaired Balance	0	0
With a related allowance, Interest Income Recognized while impaired	0	0
Total Without a Related Allowance
Financing Receivable, Impaired [Line Items]
Without a related allowance, Recorded Investment	34,249	31,995
Without a related allowance, Unpaid Principal Balance	34,267	32,245
Without a related allowance, Average Impaired Balance	33,564	30,205
Without a related allowance, Interest Income Recognized while impaired	1,534	1,306
Total With a Related Allowance
Financing Receivable, Impaired [Line Items]
With a related allowance, Recorded Investment	6,590	11,361
With a related allowance, Unpaid Principal Balance	6,589	11,362
With a related allowance, Related Allowance	1,673	2,142
With a related allowance, Average Impaired Balance	6,490	7,767
With a related allowance, Interest Income Recognized while impaired	246	374
Total Commercial
Financing Receivable, Impaired [Line Items]
Recorded Investment	30,203	31,610
Unpaid Principal Balance	30,216	31,857
Related Allowance	995	1,451
Average Impaired Balance	29,438	27,152
Interest Income Recognized while impaired	1,285	1,157
Total Residential Real Estate
Financing Receivable, Impaired [Line Items]
Recorded Investment	10,621	11,737
Unpaid Principal Balance	10,625	11,740
Related Allowance	678	691
Average Impaired Balance	10,606	10,807
Interest Income Recognized while impaired	494	522
Total Consumer
Financing Receivable, Impaired [Line Items]
Recorded Investment	15	9
Unpaid Principal Balance	15	10
Related Allowance	0	0
Average Impaired Balance	10	13
Interest Income Recognized while impaired	$ 1	$ 1

XML

Loans Loans (Schedule of Restructured Trouble Debt Restructuring By Class) (Details) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2019 USD ($) contract	Jun. 30, 2018 USD ($) contract	Jun. 30, 2019 USD ($) contract	Jun. 30, 2018 USD ($) contract
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Number of Contracts | contract	0	7	13	8
Financing Receivable, Modifications, Pre-Modification Recorded Investment	$ 0	$ 898	$ 1,075	$ 962
Financing Receivable, Modifications, Post-Modification Recorded Investment	$ 0	$ 898	$ 1,075	$ 962
Commercial [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Number of Contracts | contract	0	2	0	2
Financing Receivable, Modifications, Pre-Modification Recorded Investment	$ 0	$ 157	$ 0	$ 157
Financing Receivable, Modifications, Post-Modification Recorded Investment	$ 0	$ 157	$ 0	$ 157
Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Number of Contracts | contract			1	0
Financing Receivable, Modifications, Pre-Modification Recorded Investment			$ 325	$ 0
Financing Receivable, Modifications, Post-Modification Recorded Investment			$ 325	$ 0
Non-Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Number of Contracts | contract			4	0
Financing Receivable, Modifications, Pre-Modification Recorded Investment			$ 324	$ 0
Financing Receivable, Modifications, Post-Modification Recorded Investment			$ 324	$ 0
Non-Jumbo [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Number of Contracts | contract	0	5	7	6
Financing Receivable, Modifications, Pre-Modification Recorded Investment	$ 0	$ 741	$ 410	$ 805
Financing Receivable, Modifications, Post-Modification Recorded Investment	$ 0	$ 741	$ 410	$ 805
Consumer Portfolio Segment [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Number of Contracts | contract			1	0
Financing Receivable, Modifications, Pre-Modification Recorded Investment			$ 16	$ 0
Financing Receivable, Modifications, Post-Modification Recorded Investment			$ 16	$ 0

XML

Loans Loans (Schedule of Defaults During Stated Period Of Trouble Debt Restructurings) (Details) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2019 USD ($) contract	Jun. 30, 2018 USD ($) contract	Jun. 30, 2019 USD ($) contract	Jun. 30, 2018 USD ($) contract
Financing Receivable, Impaired [Line Items]
Financing Receivable, Modifications, Subsequent Default, Number of Contracts | contract	5	7	5	8
Financing Receivable, Modifications, Subsequent Default, Recorded Investment | $	$ 319	$ 3,744	$ 319	$ 3,950
Commercial [Member]
Financing Receivable, Impaired [Line Items]
Financing Receivable, Modifications, Subsequent Default, Number of Contracts | contract	0	2	0	2
Financing Receivable, Modifications, Subsequent Default, Recorded Investment | $	$ 0	$ 157	$ 0	$ 157
Owner Occupied [Member]
Financing Receivable, Impaired [Line Items]
Financing Receivable, Modifications, Subsequent Default, Number of Contracts | contract	0	1	0	1
Financing Receivable, Modifications, Subsequent Default, Recorded Investment | $	$ 0	$ 2,302	$ 0	$ 2,302
Non-Owner Occupied [Member]
Financing Receivable, Impaired [Line Items]
Financing Receivable, Modifications, Subsequent Default, Number of Contracts | contract	1	1	1	1
Financing Receivable, Modifications, Subsequent Default, Recorded Investment | $	$ 126	$ 341	$ 126	$ 341
Land and Land Improvements [Member]
Financing Receivable, Impaired [Line Items]
Financing Receivable, Modifications, Subsequent Default, Number of Contracts | contract	0	1	0	1
Financing Receivable, Modifications, Subsequent Default, Recorded Investment | $	$ 0	$ 438	$ 0	$ 438
Non-Jumbo [Member]
Financing Receivable, Impaired [Line Items]
Financing Receivable, Modifications, Subsequent Default, Number of Contracts | contract	4	2	4	3
Financing Receivable, Modifications, Subsequent Default, Recorded Investment | $	$ 193	$ 506	$ 193	$ 712

XML

Loans (Schedule of the Activity Regarding TDRs by Loan Type) (Details) - USD ($) $ in Thousands	3 Months Ended	6 Months Ended
	Jun. 30, 2019	Jun. 30, 2019
Troubled Debt Restructurings [Roll Forward]
Troubled debt restructurings, beginning balance	$ 27,845	$ 26,997
Additions	0	1,075
Charge-offs	0	0
Net (paydowns) advances	(1,664)	(1,891)
Transfer into foreclosed properties	0	0
Refinance out of TDR status	0	0
Troubled debt restructurings, ending balance	26,181	26,181
Allowance related to troubled debt restructurings	998	998
Land and Land Improvements [Member]
Troubled Debt Restructurings [Roll Forward]
Troubled debt restructurings, beginning balance	2,629	2,654
Additions	0	0
Charge-offs	0	0
Net (paydowns) advances	(506)	(531)
Transfer into foreclosed properties	0	0
Refinance out of TDR status	0	0
Troubled debt restructurings, ending balance	2,123	2,123
Allowance related to troubled debt restructurings	521	521
Construction [Member]
Troubled Debt Restructurings [Roll Forward]
Troubled debt restructurings, beginning balance	0	0
Additions	0	0
Charge-offs	0	0
Net (paydowns) advances	0	0
Transfer into foreclosed properties	0	0
Refinance out of TDR status	0	0
Troubled debt restructurings, ending balance	0	0
Allowance related to troubled debt restructurings	0	0
Commercial [Member]
Troubled Debt Restructurings [Roll Forward]
Troubled debt restructurings, beginning balance	265	273
Additions	0	0
Charge-offs	0	0
Net (paydowns) advances	(32)	(40)
Transfer into foreclosed properties	0	0
Refinance out of TDR status	0	0
Troubled debt restructurings, ending balance	233	233
Allowance related to troubled debt restructurings	6	6
Owner Occupied [Member]
Troubled Debt Restructurings [Roll Forward]
Troubled debt restructurings, beginning balance	9,629	9,365
Additions	0	325
Charge-offs	0	0
Net (paydowns) advances	(41)	(102)
Transfer into foreclosed properties	0	0
Refinance out of TDR status	0	0
Troubled debt restructurings, ending balance	9,588	9,588
Allowance related to troubled debt restructurings	271	271
Non-Owner Occupied [Member]
Troubled Debt Restructurings [Roll Forward]
Troubled debt restructurings, beginning balance	5,676	5,404
Additions	0	324
Charge-offs	0	0
Net (paydowns) advances	(52)	(104)
Transfer into foreclosed properties	0	0
Refinance out of TDR status	0	0
Troubled debt restructurings, ending balance	5,624	5,624
Allowance related to troubled debt restructurings	0	0
Non-Jumbo [Member]
Troubled Debt Restructurings [Roll Forward]
Troubled debt restructurings, beginning balance	4,869	4,490
Additions	0	410
Charge-offs	0	0
Net (paydowns) advances	(174)	(205)
Transfer into foreclosed properties	0	0
Refinance out of TDR status	0	0
Troubled debt restructurings, ending balance	4,695	4,695
Allowance related to troubled debt restructurings	200	200
Jumbo [Member]
Troubled Debt Restructurings [Roll Forward]
Troubled debt restructurings, beginning balance	4,231	4,278
Additions	0	0
Charge-offs	0	0
Net (paydowns) advances	(851)	(898)
Transfer into foreclosed properties	0	0
Refinance out of TDR status	0	0
Troubled debt restructurings, ending balance	3,380	3,380
Allowance related to troubled debt restructurings	0	0
Home Equity Line of Credit [Member]
Troubled Debt Restructurings [Roll Forward]
Troubled debt restructurings, beginning balance	523	523
Additions	0	0
Charge-offs	0	0
Net (paydowns) advances	0	0
Transfer into foreclosed properties	0	0
Refinance out of TDR status	0	0
Troubled debt restructurings, ending balance	523	523
Allowance related to troubled debt restructurings	0	0
Mortgage Warehouse Lines [Member]
Troubled Debt Restructurings [Roll Forward]
Troubled debt restructurings, beginning balance	0	0
Additions	0	0
Charge-offs	0	0
Net (paydowns) advances	0	0
Transfer into foreclosed properties	0	0
Refinance out of TDR status	0	0
Troubled debt restructurings, ending balance	0	0
Allowance related to troubled debt restructurings	0	0
Consumer Portfolio Segment [Member]
Troubled Debt Restructurings [Roll Forward]
Troubled debt restructurings, beginning balance	23	10
Additions	0	16
Charge-offs	0	0
Net (paydowns) advances	(8)	(11)
Transfer into foreclosed properties	0	0
Refinance out of TDR status	0	0
Troubled debt restructurings, ending balance	15	15
Allowance related to troubled debt restructurings	0	0
Other Loans [Member]
Troubled Debt Restructurings [Roll Forward]
Troubled debt restructurings, beginning balance	0	0
Additions	0	0
Charge-offs	0	0
Net (paydowns) advances	0	0
Transfer into foreclosed properties	0	0
Refinance out of TDR status	0	0
Troubled debt restructurings, ending balance	0	0
Allowance related to troubled debt restructurings	$ 0	$ 0

XML

Loans (Schedule of Recorded Investment Evaluated Based on Internal Risk Ratings) (Details) - USD ($) $ in Thousands	Jun. 30, 2019	Dec. 31, 2018
Financing Receivable, Recorded Investment [Line Items]
Total	$ 1,819,002	$ 1,695,052
Land and Land Improvements [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	67,769	68,833
Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	46,975	24,731
Commercial [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	204,138	194,315
Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	262,901	257,256
Non-Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	574,677	573,932
Mortgage Warehouse Lines [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	101,607	39,140
Pass [Member] | Land and Land Improvements [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	65,893	63,743
Pass [Member] | Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	46,835	24,589
Pass [Member] | Commercial [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	196,706	182,651
Pass [Member] | Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	255,527	250,254
Pass [Member] | Non-Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	565,858	565,715
Pass [Member] | Mortgage Warehouse Lines [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	101,607	39,140
OLEM (Special Mention) [Member] | Land and Land Improvements [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	461	472
OLEM (Special Mention) [Member] | Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	140	142
OLEM (Special Mention) [Member] | Commercial [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	1,572	6,748
OLEM (Special Mention) [Member] | Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	2,421	1,864
OLEM (Special Mention) [Member] | Non-Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	1,653	1,554
OLEM (Special Mention) [Member] | Mortgage Warehouse Lines [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	0	0
Substandard [Member] | Land and Land Improvements [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	1,415	4,618
Substandard [Member] | Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	0	0
Substandard [Member] | Commercial [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	5,860	4,916
Substandard [Member] | Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	4,953	5,138
Substandard [Member] | Non-Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	7,166	6,663
Substandard [Member] | Mortgage Warehouse Lines [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	0	0
Doubtful [Member] | Land and Land Improvements [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	0	0
Doubtful [Member] | Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	0	0
Doubtful [Member] | Commercial [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	0	0
Doubtful [Member] | Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	0	0
Doubtful [Member] | Non-Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	0	0
Doubtful [Member] | Mortgage Warehouse Lines [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	0	0
Loss [Member] | Land and Land Improvements [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	0	0
Loss [Member] | Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	0	0
Loss [Member] | Commercial [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	0	0
Loss [Member] | Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	0	0
Loss [Member] | Non-Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	0	0
Loss [Member] | Mortgage Warehouse Lines [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	$ 0	$ 0

XML

Loans (Schedule of Recorded Investment Evaluated Based on Aging Status of Loans and Payment Activity) (Details) - USD ($) $ in Thousands	Jun. 30, 2019	Dec. 31, 2018
Performing Financing Receivable [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	$ 555,018	$ 529,191
Performing Financing Receivable [Member] | Non-Jumbo [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	356,071	330,445
Performing Financing Receivable [Member] | Jumbo [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	69,529	72,924
Performing Financing Receivable [Member] | Home Equity [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	81,039	80,611
Performing Financing Receivable [Member] | Consumer [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	36,555	32,312
Performing Financing Receivable [Member] | Other Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	11,824	12,899
Nonperforming Financing Receivable [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	5,917	7,654
Nonperforming Financing Receivable [Member] | Non-Jumbo [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	4,681	6,532
Nonperforming Financing Receivable [Member] | Jumbo [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	642	675
Nonperforming Financing Receivable [Member] | Home Equity [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	334	299
Nonperforming Financing Receivable [Member] | Consumer [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	160	148
Nonperforming Financing Receivable [Member] | Other Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	$ 100	$ 0

XML

Allowance For Loan Losses (Summary Of Analysis Of Allowance For Loan Losses) (Details) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2019	Dec. 31, 2018
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning balance	$ 13,047	$ 12,565
Total, Losses	805	2,603
Total Recoveries	360	835
Net losses	445	1,768
Provision for loan losses	550	2,250
Ending balance	13,152	13,047
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning balance	1,705	1,303
Total, Losses	17	248
Total Recoveries	7	16
Provision for loan losses	(491)	634
Ending balance	1,204	1,705
Owner Occupied [Member]
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning balance	2,214	2,424
Total, Losses	2	38
Total Recoveries	13	23
Provision for loan losses	480	(195)
Ending balance	2,705	2,214
Non-Owner Occupied [Member]
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning balance	5,742	4,950
Total, Losses	0	619
Total Recoveries	0	0
Provision for loan losses	(104)	1,411
Ending balance	5,638	5,742
Land and Land Development [Member]
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning balance	339	641
Total, Losses	0	259
Total Recoveries	104	270
Provision for loan losses	119	(313)
Ending balance	562	339
Construction [Member]
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning balance	64	153
Total, Losses	0	0
Total Recoveries	0	0
Provision for loan losses	254	(89)
Ending balance	318	64
Non-Jumbo [Member]
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning balance	2,090	1,911
Total, Losses	418	887
Total Recoveries	48	228
Provision for loan losses	485	838
Ending balance	2,205	2,090
Jumbo [Member]
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning balance	379	72
Total, Losses	0	0
Total Recoveries	0	25
Provision for loan losses	(369)	282
Ending balance	10	379
Home Equity [Member]
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning balance	167	638
Total, Losses	0	26
Total Recoveries	15	10
Provision for loan losses	(62)	(455)
Ending balance	120	167
Mortgage Warehouse Lines [Member]
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning balance	0	0
Total, Losses	0	0
Total Recoveries	0	0
Provision for loan losses	0	0
Ending balance	0	0
Consumer [Member]
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning balance	79	210
Total, Losses	194	244
Total Recoveries	100	141
Provision for loan losses	128	(28)
Ending balance	113	79
Other
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning balance	268	263
Total, Losses	174	282
Total Recoveries	73	122
Provision for loan losses	110	165
Ending balance	$ 277	$ 268

XML

Allowance For Loan Losses (Summary Of Net Unearned Income) (Details) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2019	Dec. 31, 2018	Jun. 30, 2019	Dec. 31, 2018
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning balance	$ 13,047	$ 12,565
Charge-offs	(805)	(2,603)
Recoveries	360	835
Provision	550	2,250
Ending balance	13,152	13,047
Allowance related to: Loans individually evaluated for impairment			$ 1,673	$ 2,142
Allowance related to: Loans collectively evaluated for impairment			11,378	10,891
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Allowance for Loan Losses			101	14
Total, Allowance	13,047	12,565	13,152	13,047
Loans individually evaluated for impairment			40,839	43,356
Loans collectively evaluated for impairment			1,774,646	1,648,185
Loans Acquired with Deteriorated Credit Quality			3,517	3,511
Total, Loans			1,819,002	1,695,052
Land and Land Development [Member]
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning balance	339	641
Charge-offs	0	(259)
Recoveries	104	270
Provision	119	(313)
Ending balance	562	339
Allowance related to: Loans individually evaluated for impairment			521	298
Allowance related to: Loans collectively evaluated for impairment			41	41
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Allowance for Loan Losses			0	0
Total, Allowance	339	641	562	339
Loans individually evaluated for impairment			2,123	5,824
Loans collectively evaluated for impairment			65,646	63,009
Loans Acquired with Deteriorated Credit Quality			0	0
Total, Loans			67,769	68,833
Construction [Member]
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning balance	64	153
Charge-offs	0	0
Recoveries	0	0
Provision	254	(89)
Ending balance	318	64
Allowance related to: Loans individually evaluated for impairment			0	0
Allowance related to: Loans collectively evaluated for impairment			318	64
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Allowance for Loan Losses			0	0
Total, Allowance	64	153	318	64
Loans individually evaluated for impairment			0	0
Loans collectively evaluated for impairment			46,975	24,731
Loans Acquired with Deteriorated Credit Quality			0	0
Total, Loans			46,975	24,731
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning balance	1,705	1,303
Charge-offs	(17)	(248)
Recoveries	7	16
Provision	(491)	634
Ending balance	1,204	1,705
Allowance related to: Loans individually evaluated for impairment			30	682
Allowance related to: Loans collectively evaluated for impairment			1,174	1,023
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Allowance for Loan Losses			0	0
Total, Allowance	1,705	1,303	1,204	1,705
Loans individually evaluated for impairment			5,484	4,362
Loans collectively evaluated for impairment			198,654	189,953
Loans Acquired with Deteriorated Credit Quality			0	0
Total, Loans			204,138	194,315
Owner Occupied [Member]
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning balance	2,214	2,424
Charge-offs	(2)	(38)
Recoveries	13	23
Provision	480	(195)
Ending balance	2,705	2,214
Allowance related to: Loans individually evaluated for impairment			444	462
Allowance related to: Loans collectively evaluated for impairment			2,261	1,752
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Allowance for Loan Losses			0	0
Total, Allowance	2,214	2,424	2,705	2,214
Loans individually evaluated for impairment			11,782	11,569
Loans collectively evaluated for impairment			251,119	245,687
Loans Acquired with Deteriorated Credit Quality			0	0
Total, Loans			262,901	257,256
Non-Owner Occupied [Member]
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning balance	5,742	4,950
Charge-offs	0	(619)
Recoveries	0	0
Provision	(104)	1,411
Ending balance	5,638	5,742
Allowance related to: Loans individually evaluated for impairment			0	9
Allowance related to: Loans collectively evaluated for impairment			5,547	5,729
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Allowance for Loan Losses			91	4
Total, Allowance	5,742	4,950	5,638	5,742
Loans individually evaluated for impairment			10,814	9,855
Loans collectively evaluated for impairment			562,601	562,915
Loans Acquired with Deteriorated Credit Quality			1,262	1,162
Total, Loans			574,677	573,932
Non-Jumbo [Member]
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning balance	2,090	1,911
Charge-offs	(418)	(887)
Recoveries	48	228
Provision	485	838
Ending balance	2,205	2,090
Allowance related to: Loans individually evaluated for impairment			678	585
Allowance related to: Loans collectively evaluated for impairment			1,517	1,495
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Allowance for Loan Losses			10	10
Total, Allowance	2,090	1,911	2,205	2,090
Loans individually evaluated for impairment			6,076	6,261
Loans collectively evaluated for impairment			353,383	329,342
Loans Acquired with Deteriorated Credit Quality			1,293	1,374
Total, Loans			360,752	336,977
Jumbo [Member]
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning balance	379	72
Charge-offs	0	0
Recoveries	0	25
Provision	(369)	282
Ending balance	10	379
Allowance related to: Loans individually evaluated for impairment			0	106
Allowance related to: Loans collectively evaluated for impairment			10	273
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Allowance for Loan Losses			0	0
Total, Allowance	379	72	10	379
Loans individually evaluated for impairment			4,022	4,953
Loans collectively evaluated for impairment			65,187	67,671
Loans Acquired with Deteriorated Credit Quality			962	975
Total, Loans			70,171	73,599
Home Equity [Member]
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning balance	167	638
Charge-offs	0	(26)
Recoveries	15	10
Provision	(62)	(455)
Ending balance	120	167
Allowance related to: Loans individually evaluated for impairment			0	0
Allowance related to: Loans collectively evaluated for impairment			120	167
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Allowance for Loan Losses			0	0
Total, Allowance	167	638	120	167
Loans individually evaluated for impairment			523	523
Loans collectively evaluated for impairment			80,850	80,387
Loans Acquired with Deteriorated Credit Quality			0	0
Total, Loans			81,373	80,910
Mortgage Warehouse Lines [Member]
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning balance	0	0
Charge-offs	0	0
Recoveries	0	0
Provision	0	0
Ending balance	0	0
Allowance related to: Loans individually evaluated for impairment			0	0
Allowance related to: Loans collectively evaluated for impairment			0	0
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Allowance for Loan Losses			0	0
Total, Allowance	0	0	0	0
Loans individually evaluated for impairment			0	0
Loans collectively evaluated for impairment			101,607	39,140
Loans Acquired with Deteriorated Credit Quality			0	0
Total, Loans			101,607	39,140
Consumer [Member]
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning balance	79	210
Charge-offs	(194)	(244)
Recoveries	100	141
Provision	128	(28)
Ending balance	113	79
Allowance related to: Loans individually evaluated for impairment			0	0
Allowance related to: Loans collectively evaluated for impairment			113	79
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Allowance for Loan Losses			0	0
Total, Allowance	79	210	113	79
Loans individually evaluated for impairment			15	9
Loans collectively evaluated for impairment			36,700	32,451
Loans Acquired with Deteriorated Credit Quality			0	0
Total, Loans			36,715	32,460
Other
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning balance	268	263
Charge-offs	(174)	(282)
Recoveries	73	122
Provision	110	165
Ending balance	277	268
Allowance related to: Loans individually evaluated for impairment			0	0
Allowance related to: Loans collectively evaluated for impairment			277	268
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Allowance for Loan Losses			0	0
Total, Allowance	$ 268	$ 263	277	268
Loans individually evaluated for impairment			0	0
Loans collectively evaluated for impairment			11,924	12,899
Loans Acquired with Deteriorated Credit Quality			0	0
Total, Loans			$ 11,924	$ 12,899

XML

Goodwill And Other Intangible Assets (Summary Of Goodwill Activity) (Details)	6 Months Ended
	Jun. 30, 2019 USD ($)
Goodwill [Roll Forward]
Goodwill, beginning balance	$ 15,272,000
Goodwill, Purchase Accounting Adjustments	0
Goodwill, Acquired During Period	1,855,000
Goodwill Reduction in Conjunction with Sale	(4,710,000)
Goodwill, ending balance	12,417,000
Community Banking [Member]
Goodwill [Roll Forward]
Goodwill, beginning balance	10,562,000
Goodwill, Purchase Accounting Adjustments	0
Goodwill, Acquired During Period	1,855,000
Goodwill Reduction in Conjunction with Sale	0
Goodwill, ending balance	12,417,000
Insurance Services [Member]
Goodwill [Roll Forward]
Goodwill, beginning balance	4,710,000
Goodwill, Purchase Accounting Adjustments	0
Goodwill, Acquired During Period	0
Goodwill Reduction in Conjunction with Sale	(4,710,000)
Goodwill, ending balance	$ 0

XML

Goodwill And Other Intangible Assets (Summary Of Other Intangible Assets) (Details) - USD ($) $ in Thousands	Jun. 30, 2019	Dec. 31, 2018
Goodwill [Line Items]
Identifiable intangible assets, Gross carrying amount	$ 17,727	$ 15,598
Identifiable intangible assets, Less: accumulated amortization	5,926	5,028
Customer Intangible Reduction in Conjunction with Sale	633	0
Identifiable intangible assets, Net carrying amount	11,168	10,570
Community Banking [Member]
Goodwill [Line Items]
Identifiable intangible assets, Gross carrying amount	14,727	12,598
Identifiable intangible assets, Less: accumulated amortization	3,559	2,728
Customer Intangible Reduction in Conjunction with Sale	0	0
Identifiable intangible assets, Net carrying amount	11,168	9,870
Insurance Services [Member]
Goodwill [Line Items]
Identifiable intangible assets, Gross carrying amount	3,000	3,000
Identifiable intangible assets, Less: accumulated amortization	2,367	2,300
Customer Intangible Reduction in Conjunction with Sale	633	0
Identifiable intangible assets, Net carrying amount	$ 0	$ 700

XML

Goodwill And Other Intangible Assets (Narrative) (Details) - USD ($)	6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018
Goodwill and Intangible Assets Disclosure [Abstract]
Recorded amortization expense	$ 897,000	$ 848,000

XML

Goodwill And Other Intangible Assets Schedule of Amortization Expense (Details) - Core Deposits [Member] $ in Thousands	Jun. 30, 2019 USD ($)
Schedule of Amortization of Intangibles [Line Items]
Finite-Lived Intangible Assets, Amortization Expense, Next Twelve Months	$ 1,634
Finite-Lived Intangible Assets, Amortization Expense, Year Two	1,513
Finite-Lived Intangible Assets, Amortization Expense, Year Three	1,393
Finite-Lived Intangible Assets, Amortization Expense, Year Four	1,273
Finite-Lived Intangible Assets, Amortization Expense, Year Five	$ 1,152

XML

Deposits (Summary Of Interest Bearing Deposits By Type) (Details) - USD ($) $ in Thousands	Jun. 30, 2019	Dec. 31, 2018
Deposits [Abstract]
Demand deposits, interest bearing	$ 588,948	$ 523,257
Savings deposits	301,403	284,173
Time deposits	672,745	605,276
Total	$ 1,563,096	$ 1,412,706	[1]

[1] Derived from audited consolidated financial statements

XML

Deposits (Summary Of Scheduled Maturities For All Time Deposits) (Details) - USD ($) $ in Thousands	Jun. 30, 2019	Dec. 31, 2018
Deposits [Abstract]
Six month period ending December 31, 2019	$ 141,784
Year ending December 31, 2020	290,872
Year ending December 31, 2021	127,679
Year ending December 31, 2022	43,620
Year ending December 31, 2023	18,004
Thereafter	50,786
Total	$ 672,745	$ 605,276

XML

Deposits (Narrative) (Details) - USD ($) $ in Thousands	Jun. 30, 2019	Dec. 31, 2018
Deposits [Abstract]
Time Deposits, at or Above FDIC Insurance Limit	$ 267,887	$ 255,800
Time deposits acquired through a third party (brokered deposits)	$ 222,901	$ 220,500

XML

Borrowed Funds (Summary Of Short-Term Borrowings) (Details) - USD ($) $ in Thousands	6 Months Ended		12 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Dec. 31, 2018
Debt Instrument [Line Items]
Beginning Balance	$ 225,343		$ 309,084	[1]
Short-term FHLB Advances [Member]
Debt Instrument [Line Items]
Beginning Balance	225,200	$ 199,900	303,950
Average balance outstanding for the period	192,895	211,884	223,764
Maximum balance outstanding at any month end during period	$ 225,200	$ 262,000	$ 303,950
Weighted average interest rate for the period	2.72%	1.87%	2.18%
Weighted average interest rate for balances outstanding	2.51%	2.19%	2.71%
Federal Funds Purchased and Lines of Credit [Member]
Debt Instrument [Line Items]
Beginning Balance	$ 143	$ 2,529	$ 5,134
Average balance outstanding for the period	777	3,497	4,378
Maximum balance outstanding at any month end during period	$ 143	$ 3,523	$ 7,534
Weighted average interest rate for the period	2.48%	1.65%	1.95%
Weighted average interest rate for balances outstanding	2.50%	2.00%	2.50%

[1] Derived from audited consolidated financial statements

XML

Borrowed Funds (Long-term Borrowings) (Narrative) (Details) - USD ($) $ in Thousands	Jun. 30, 2019	Dec. 31, 2018	Jun. 30, 2018
Debt Disclosure [Abstract]
Long-term borrowings	$ 726	$ 735
Average interest rate paid on long-term borrowings	5.34%		4.26%

XML

Borrowed Funds (Summary of Long-Term Borrowings) (Details) - USD ($) $ in Thousands	Jun. 30, 2019	Dec. 31, 2018
Debt Disclosure [Abstract]
Long-term FHLB advances	$ 726	$ 735
Total	$ 726	$ 735

XML

Borrowed Funds (Subordinated Debentures Owed to Unconsolidated Subsidiary Trusts) (Narrative) (Details) $ in Thousands	6 Months Ended
	Jun. 30, 2019 USD ($) trust	Jun. 30, 2018 USD ($)	Dec. 31, 2018 USD ($)	[1]
Debt Instrument [Line Items]
Number of statutory business trusts | trust	3
Subordinated debentures owed to unconsolidated subsidiary trusts	$ 19,589		$ 19,589
Proceeds from issuance of common stock, net of issuance costs	$ 40	$ 126
Trust preferred securities limited to tier one capital elements, net of goodwill	25.00%

[1] Derived from audited consolidated financial statements

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Borrowed Funds (Summary Of The Maturities Of All Long-Term Borrowings And Subordinated Debentures) (Details) - USD ($) $ in Thousands	Jun. 30, 2019	Dec. 31, 2018
Total	$ 726	$ 735
Long-term Debt [Member]
2019	9
2020	18
2021	20
2022	21
2023	22
Thereafter	636
Total	726
Subordinated debentures owed to unconsolidated subsidiary trusts [Member]
2019	0
2020	0
2021	0
2022	0
2023	0
Thereafter	19,589
Total	$ 19,589

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Share Based Compensation Share Based Compensation (Narrative) (Details) - USD ($)	3 Months Ended	6 Months Ended
	Mar. 31, 2019	Jun. 30, 2019	Jun. 30, 2018	Dec. 31, 2018	May 31, 2014
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of LTIP shares authorized		20,000,000		20,000,000
Allocated Share-based Compensation Expense		$ 281,000	$ 193,000
Employee Service Share-based Compensation, Tax Benefit from Compensation Expense		$ 67,000	$ 46,000
5 Year Vesting Stock Appreciation Rights [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of awards granted	109,819
Vesting period	5 years
Percentage vested per year	20.00%
Expiration period	10 years
7 Year Vesting Stock Appreciation Rights [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of awards granted	28,306
Vesting period	7 years
Percentage vested per year	14.29%
Expiration period	10 years
2014 Long-Term Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of LTIP shares authorized					500,000

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Share Based Compensation Schedule of Share-based Payment Award, Stock Options, Valuation Assumptions (Details)	6 Months Ended
	Jun. 30, 2019
5 Year Vesting Stock Appreciation Rights [Member]
Schedule of Share-based Payment Award, Stock Options, Valuation Assumptions [Line Items]
Risk-free interest rate	2.43%
Expected dividend yield	2.30%
Expected common stock volatility	35.71%
Expected life	6 years 6 months
7 Year Vesting Stock Appreciation Rights [Member]
Schedule of Share-based Payment Award, Stock Options, Valuation Assumptions [Line Items]
Risk-free interest rate	2.51%
Expected dividend yield	2.30%
Expected common stock volatility	40.84%
Expected life	7 years

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Share Based Compensation (Summary Of Activity In Stock Option Plans) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding [Roll Forward]
Outstanding Options, Exercised	(16,815)	0	(17,255)	(200)
Employee Stock Option and Stock Appreciation Rights (SARs) [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Outstanding, Aggregate Intrinsic Value	$ 2,132	$ 2,272	$ 2,132	$ 2,272
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Outstanding Options, Weighted Average Remaining Contractual Term			7 years 7 months 28 days	6 years 9 months 29 days
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Number	112,989	110,924	112,989	110,924
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Aggregate Intrinsic Value	$ 1,189	$ 1,225	$ 1,189	$ 1,225
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Exercisable Options, Weighted Average Remaining Contractual Term			5 years 10 months 2 days	5 years 8 months 19 days
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Weighted Average Exercise Price	$ 16.32	$ 15.80	$ 16.32	$ 15.80
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding [Roll Forward]
Outstanding Options, Beginning Balance			232,091	250,291
Outstanding Options, Granted			138,125	0
Outstanding Options, Exercised			(31,413)	(200)
Outstanding Options, Forfeited			0	(3,000)
Outstanding Options, Expired			0	0
Outstanding Options, Ending Balance	338,803	247,091	338,803	247,091
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price [Abstract]
Outstanding, Weighted-Average Exercise Price, Beginning Balance			$ 17.36	$ 17.75
Outstanding, Weighted-Average Exercise Price, Granted			23.94	0.00
Outstanding, Weighted-Average Exercise Price, Exercised			11.83	17.79
Outstanding, Weighted-Average Exercise Price, Forfeited			0.00	26
Outstanding, Weighted-Average Exercise Price, Expired			0.00	0.00
Outstanding, Weighted-Average Exercise Price, Ending Balance	$ 20.56	$ 17.65	$ 20.56	$ 17.65

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Commitments And Contingencies (Details) - USD ($)	6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018
Loss Contingencies [Line Items]
Total unfunded commitments	$ 366,191,000
Operating Lease Rent Expense, Next Twelve Months	115,000
Operating Leases Rent Expense, Year Two	92,000
Operating Leases, Rent Expense, Net	100,000	$ 140,000
Revolving Home Equity And Credit Card Lines [Member]
Loss Contingencies [Line Items]
Total unfunded commitments	69,381,000
Construction [Member]
Loss Contingencies [Line Items]
Total unfunded commitments	127,139,000
Other Loans [Member]
Loss Contingencies [Line Items]
Total unfunded commitments	163,887,000
Standby Letters Of Credit [Member]
Loss Contingencies [Line Items]
Total unfunded commitments	$ 5,784,000

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Regulatory Matters (Summary Of Actual Capital Amounts And Ratios) (Details) - USD ($) $ in Thousands	Jun. 30, 2019	Dec. 31, 2018
Summit [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
CET1 (to risk weighted assets), Actual Amount	$ 212,502	$ 197,551
CET1 (to risk weighted assets), Actual Ratio	11.10%	11.10%
Tier I Capital (to risk weighted assets), Actual Amount	$ 231,502	$ 216,551
Tier I Capital (to risk weighted assets), Actual Ratio	12.10%	12.20%
Total Capital (to risk weighted assets), Actual Amount	$ 244,654	$ 229,598
Total Capital (to risk weighted assets), Actual Ratio	12.80%	12.90%
Tier I Capital (to average assets), Actual Amount	$ 231,502	$ 216,551
Tier I Capital (to average assets), Actual Ratio	10.40%	10.10%
Summit Community [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
CET1 (to risk weighted assets), Actual Amount	$ 228,143	$ 213,930
CET1 (to risk weighted assets), Actual Ratio	11.90%	12.00%
CET1 (to risk weighted assets), Minimum Required Capital, Amount	$ 134,202	$ 124,793
CET1 (to risk weighted assets), Minimum Required Capital, Ratio	7.00%	7.00%
CET1 (to risk weighted assets), Minimum Required To Be Well Capitalized, Amount	$ 124,616	$ 115,879
CET1 (to risk weighted assets), Minimum Required To Be Well Capitalized, Ratio	6.50%	6.50%
Tier I Capital (to risk weighted assets), Actual Amount	$ 228,143	$ 213,930
Tier I Capital (to risk weighted assets), Actual Ratio	11.90%	12.00%
Tier I Capital (to risk weighted assets), Minimum Required Capital, Amount	$ 162,959	$ 151,534
Tier I Capital (to risk weighted assets), Minimum Required Capital, Ratio	8.50%	8.50%
Tier I Capital (to risk weighted assets), Minimum Required To Be Well Capitalized, Amount	$ 153,373	$ 142,620
Tier I Capital (to risk weighted assets), Minimum Required To Be Well Capitalized, Ratio	8.00%	8.00%
Total Capital (to risk weighted assets), Actual Amount	$ 241,295	$ 226,977
Total Capital (to risk weighted assets), Actual Ratio	12.60%	12.80%
Total Capital (to risk weighted assets), Minimum Required Capital, Amount	$ 201,079	$ 186,192
Total Capital (to risk weighted assets), Minimum Required Capital, Ratio	10.50%	10.50%
Total Capital (to risk weighted assets), Minimum Required To Be Well Capitalized, Amount	$ 191,504	$ 177,326
Total Capital (to risk weighted assets), Minimum Required To Be Well Capitalized, Ratio	10.00%	10.00%
Tier I Capital (to average assets), Actual Amount	$ 228,143	$ 213,930
Tier I Capital (to average assets), Actual Ratio	10.20%	10.00%
Tier I Capital (to average assets), Minimum Required Capital, Amount	$ 89,468	$ 85,572
Tier I Capital (to average assets), Minimum Required Capital, Ratio	4.00%	4.00%
Tier I Capital (to average assets), Minimum Required To Be Well Capitalized, Amount	$ 111,835	$ 106,965
Tier I Capital (to average assets), Minimum Required To Be Well Capitalized, Ratio	5.00%	5.00%

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Derivative Financial Instruments (Narrative) (Details) $ in Thousands	6 Months Ended
	Jun. 30, 2019 USD ($) contract
Derivative [Line Items]
Number of forward-starting, pay-fixed/receive LIBOR interest rate swaps | contract	4
Forward Contract effective July 18 2016 [Member]
Derivative [Line Items]
Notional Amount	$ 40,000
Notional Amount	$ 40,000
Derivative, swaption interest rate	2.98%
Derivative, term of contract	3 years
Forward Contract effective April 18 2016 [Member]
Derivative [Line Items]
Notional Amount	$ 30,000
Notional Amount	$ 30,000
Derivative, swaption interest rate	2.89%
Derivative, term of contract	4 years 6 months
Forward Contract effective October 18 2016 [Member]
Derivative [Line Items]
Notional Amount	$ 40,000
Notional Amount	$ 40,000
Derivative, swaption interest rate	2.841%
Derivative, term of contract	3 years
Forward Contract effective October 18 2019 [Domain]
Derivative [Line Items]
Notional Amount	$ 40,000
Notional Amount	$ 40,000
Derivative, swaption interest rate	2.19%
Derivative, term of contract	2 years
Fair Value Hedging [Member]
Derivative [Line Items]
Number of forward-starting, pay-fixed/receive LIBOR interest rate swaps | contract	2
Fair Value Hedging [Member] | Commercial Real Estate [Member] | Interest Rate Swap effective January 15 2015 [Member]
Derivative [Line Items]
Notional Amount	$ 9,950
Derivative, swaption interest rate	4.33%
Derivative, term of contract	10 years
Fair Value Hedging [Member] | Commercial Real Estate [Member] | Interest Rate Swap effective December 18 2015 [Member]
Derivative [Line Items]
Notional Amount	$ 11,300
Derivative, swaption interest rate	4.30%
Derivative, term of contract	10 years

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Derivative Financial Instruments (Details) - Interest Rate Swap [Member] - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2019	Dec. 31, 2018
Short-term Debt [Member] | Cash Flow Hedges [Member]
Derivative [Line Items]
Notional Amount	$ 150,000	$ 110,000
Derivative Fair Value, Asset	0	0
Derivative Fair Value, Liability	968	411
Net Ineffectiveness Hedge Gains/(Losses)	0	0
Commercial Real Estate [Member] | Fair Value Hedges [Member]
Derivative [Line Items]
Notional Amount	19,107	19,399
Derivative Fair Value, Asset	0	555
Derivative Fair Value, Liability	279	0
Net Ineffectiveness Hedge Gains/(Losses)	$ 0	$ 0

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Acquisitions Acquisitions (Narrative) (Details) - USD ($) $ / shares in Units, $ in Thousands	Jan. 01, 2019	Jul. 24, 2018	Jun. 30, 2019	Dec. 31, 2018
Business Acquisition [Line Items]
Goodwill			$ 12,417	$ 15,272
Peoples Bankshares Inc [Member]
Business Acquisition [Line Items]
Business Acquisition, Percentage of Voting Interests Acquired	100.00%
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Assets	$ 133,086			133,000
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Liabilities	$ 113,486			$ 113,000
Business Acquisition, Share Price		$ 47.00
Business Acquisition, Share Price, Number Of Shares	465,931	1.7193
Business Acquisition Combination of Equity and Cash, Cash		50.00%
Business Acquisition Combination of Equity and Cash, Common Stock		50.00%
Goodwill	$ 1,850
Stock Consideration [Member] | Peoples Bankshares Inc [Member]
Business Acquisition [Line Items]
Business Combination, Consideration Transferred	9,000
Cash Consideration [Member] | Peoples Bankshares Inc [Member]
Business Acquisition [Line Items]
Business Combination, Consideration Transferred	$ 12,700
Core Deposits [Member] | Peoples Bankshares Inc [Member]
Business Acquisition [Line Items]
Acquired Finite-lived Intangible Assets, Weighted Average Useful Life	15 years

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Acquisitions Schedule of Consideration Paid, Assets Acquired and Liabilities Assumed in Acquisition of PBI (Details) - USD ($) $ in Thousands	Jan. 01, 2019	Jun. 30, 2019	Dec. 31, 2018
Business Acquisition [Line Items]
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Property Held-For-Sale	$ 0
Goodwill		$ 12,417	$ 15,272
As Recorded By Summit [Member]
Business Acquisition [Line Items]
Business Combination, Consideration Transferred	21,737
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Fair Value Adjustment, Cash and Cash Equivalents	(93)
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Cash and Equivalents	33,329
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Fair Value Adjustment, Securities Available for Sale	(93)
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Current Assets, Marketable Securities	55,113
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Fair Value Adjustment, Purchased Performing Loans	(977)
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Purchased Performing Loans	41,399
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Fair Value Adjustment, Purchased Credit Impaired Loans	0
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Purchased Credit Impaired Loans	0
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Fair Value Adjustment, Allowance For Loan Losses	410
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Financial Assets, Allowance For Loan Losses	0
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Fair Value Adjustment, Property, Plant, And Equipment	(567)
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Property, Plant, and Equipment	815
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Fair Value Adjustment, Property Held-For-Sale	0
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Fair Value Adjustment, Intangibles	2,129
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Finite-Lived Intangibles	2,129
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Fair Value Adjustment, Other Assets	(100)
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Other Noncurrent Assets	1,010
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Fair Value Adjustment, Assets	709
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Assets	133,795
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Fair Value Adjustment, Deposits	315
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Deposits	112,379
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Fair Value Adjustment, Other Liabilities	111
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Noncurrent Liabilities, Other	1,533
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Fair Value Adjustment, Liabilities	426
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Liabilities	113,912
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Fair Value Adjustment, Assets (Liabilities), Net	283
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Net	19,883
Goodwill	1,854
Peoples Bankshares Inc [Member]
Business Acquisition [Line Items]
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Cash and Equivalents	33,422
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Current Assets, Marketable Securities	55,206
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Purchased Performing Loans	42,376
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Purchased Credit Impaired Loans	0
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Financial Assets, Allowance For Loan Losses	(410)
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Property, Plant, and Equipment	1,382
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Property Held-For-Sale	0
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Finite-Lived Intangibles	0
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Other Noncurrent Assets	1,110
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Assets	133,086		133,000
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Deposits	112,064
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Noncurrent Liabilities, Other	1,422
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Liabilities	113,486		$ 113,000
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Net	19,600
Goodwill	1,850
Cash Consideration [Member] | As Recorded By Summit [Member]
Business Acquisition [Line Items]
Business Combination, Consideration Transferred	12,740
Cash Consideration [Member] | Peoples Bankshares Inc [Member]
Business Acquisition [Line Items]
Business Combination, Consideration Transferred	12,700
Stock Consideration [Member] | As Recorded By Summit [Member]
Business Acquisition [Line Items]
Business Combination, Consideration Transferred	8,997
Stock Consideration [Member] | Peoples Bankshares Inc [Member]
Business Acquisition [Line Items]
Business Combination, Consideration Transferred	$ 9,000

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Acquisitions Financial Effects of Purchase Accounting Adjustments (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
Business Acquisition [Line Items]
Interest and Fees on Loans	$ 425	$ 56	$ 467	$ 201
Interest Expense on Deposits	82	53	170	114
Amortization of Intangibles	(404)	(363)	(830)	(748)
Income Before Income Tax Expense	$ 103	$ (254)	$ (193)	$ (433)

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Accumulated Other Comprehensive Income (Loss) Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018	Mar. 31, 2019	Dec. 31, 2018		Mar. 31, 2018	Dec. 31, 2017
Accumulated Other Comprehensive Income (Loss) [Line Items]
Stockholders' Equity Attributable to Parent	$ 235,701	$ 209,879	$ 235,701	$ 209,879	$ 233,630	$ 219,830	[1]	$ 205,009	$ 201,505
Other Comprehensive Income (Loss), Net of Tax	1,107	(98)	3,237	(2,718)
Accumulated Pension Plan Adjustment Net Unamortized Gain Loss [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Stockholders' Equity Attributable to Parent	(328)		(328)		(328)	0
Other Comprehensive Income (Loss), before Reclassifications, Net of Tax	0		(328)
Reclassification from Accumulated Other Comprehensive Income, Current Period, Net of Tax	0		0
Other Comprehensive Income (Loss), Net of Tax	0		(328)
Accumulated Defined Benefit Plans Adjustment, Net Gain (Loss) Attributable to Parent [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Stockholders' Equity Attributable to Parent	139	398	139	398	139	139		398	398
Other Comprehensive Income (Loss), before Reclassifications, Net of Tax	0	0	0	0
Reclassification from Accumulated Other Comprehensive Income, Current Period, Net of Tax	0	0	0	0
Other Comprehensive Income (Loss), Net of Tax	0	0	0	0
Accumulated Net Gain (Loss) from Cash Flow Hedges Attributable to Parent [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Stockholders' Equity Attributable to Parent	(737)	(472)	(737)	(472)	(323)	(314)		(849)	(1,564)
Other Comprehensive Income (Loss), before Reclassifications, Net of Tax	(414)	377	(423)	1,092
Reclassification from Accumulated Other Comprehensive Income, Current Period, Net of Tax	0	0	0	0
Other Comprehensive Income (Loss), Net of Tax	(414)	377	(423)	1,092
Accumulated Net Investment Gain (Loss) Attributable to Parent [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Stockholders' Equity Attributable to Parent	3,147	(912)	3,147	(912)	1,626	(841)		(437)	2,898
Other Comprehensive Income (Loss), before Reclassifications, Net of Tax	2,346	(409)	4,810	(3,188)
Reclassification from Accumulated Other Comprehensive Income, Current Period, Net of Tax	(825)	(66)	(822)	(622)
Other Comprehensive Income (Loss), Net of Tax	1,521	(475)	3,988	(3,810)
Accumulated Other Comprehensive Income [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Stockholders' Equity Attributable to Parent	2,221	(986)	2,221	(986)	$ 1,114	$ (1,016)		$ (888)	$ 1,732
Other Comprehensive Income (Loss), before Reclassifications, Net of Tax	1,932	(32)	4,059	(2,096)
Reclassification from Accumulated Other Comprehensive Income, Current Period, Net of Tax	(825)	(66)	(822)	(622)
Other Comprehensive Income (Loss), Net of Tax	$ 1,107	$ (98)	$ 3,237	$ (2,718)

[1] Derived from audited consolidated financial statements

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Income Taxes Income Taxes (Narrative) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
Income Tax Disclosure [Abstract]
Income tax expense	$ 1,880	$ 1,658	$ 3,481	$ 3,534
Effective Income Tax Rate Reconciliation, Percent	18.00%	20.90%	18.20%	20.50%

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Income Taxes Income Taxes (Reconciliation Statutory Income Tax Rates) (Details)	3 Months Ended		6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
Effective Income Tax Rate Reconciliation, Percent [Abstract]
Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent	21.00%	21.00%	21.00%	21.00%
Effective Income Tax Rate Reconciliation, Tax Exempt Income, Percent	(1.90%)	(3.20%)	(2.20%)	(2.90%)
Effective Income Tax Rate Reconciliation, State and Local Income Taxes, Percent	1.60%	2.30%	1.80%	2.20%
Effective Income Tax Rate Reconciliation, Low-Income Housing and Rehabilitation, Percent	(0.90%)	(1.20%)	(0.70%)	(1.10%)
Effective Income Tax Rate Reconciliation, Other Adjustments, Percent	(1.80%)	2.00%	(1.70%)	1.30%
Effective Income Tax Rate Reconciliation, Percent	18.00%	20.90%	18.20%	20.50%

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Income Taxes Income Taxes (Schedule of Components of Applicable Income Tax Expense (Benefit) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
Current Income Tax Expense (Benefit), Continuing Operations [Abstract]
Current Federal Tax Expense (Benefit)	$ 1,596	$ 1,464	$ 3,247	$ 3,217
Current State and Local Tax Expense (Benefit)	206	233	470	510
Current Income Tax Expense (Benefit)	1,802	1,697	3,717	3,727
Deferred Income Tax Expense (Benefit), Continuing Operations [Abstract]
Deferred Federal Income Tax Expense (Benefit)	68	(34)	(206)	(167)
Deferred State and Local Income Tax Expense (Benefit)	10	(5)	(30)	(26)
Deferred Income Tax Expense (Benefit)	78	(39)	(236)	(193)
Income Tax Expense (Benefit)	$ 1,880	$ 1,658	$ 3,481	$ 3,534

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Revenue Recognition Revenue from Contracts with Customers (Narrative) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
Revenue within other ASC Scopes [Member]
Revenue from Contracts with Customers [Line Items]
GainLossOnSalesOfForeclosedProperties	$ (156)	$ (58)	$ (158)	$ 6

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Revenue Recognition Revenue from Contracts with Customers (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
Revenue from Contracts with Customers [Line Items]
Insurance commissions	$ 606	$ 1,013	$ 1,780	$ 2,126
Noninterest Income, Other Operating Income	235	210	476	459
Non-interest income within the scope of other ASC topics	3,405	488	3,792	1,664
Noninterest Income	6,810	4,148	11,040	9,023
Revenue in Scope ASC 606 [Member]
Revenue from Contracts with Customers [Line Items]
Insurance commissions	606	1,013	1,780	2,126
Noninterest Income, Other Operating Income	70	58	158	137
Total Revenue in ASC 606	3,405	3,660	7,248	7,359
Deposit Account [Member]
Revenue from Contracts with Customers [Line Items]
Revenue from Contract with Customer, Including Assessed Tax	1,224	1,116	2,405	2,207
Deposit Account [Member] | Revenue in Scope ASC 606 [Member]
Revenue from Contracts with Customers [Line Items]
Revenue from Contract with Customer, Including Assessed Tax	1,224	1,116	2,405	2,207
Credit and Debit Card [Member]
Revenue from Contracts with Customers [Line Items]
Revenue from Contract with Customer, Including Assessed Tax	893	801	1,707	1,550
Credit and Debit Card [Member] | Revenue in Scope ASC 606 [Member]
Revenue from Contracts with Customers [Line Items]
Revenue from Contract with Customer, Including Assessed Tax	893	801	1,707	1,550
Fiduciary and Trust [Member]
Revenue from Contracts with Customers [Line Items]
Revenue from Contract with Customer, Including Assessed Tax	612	672	1,198	1,339
Fiduciary and Trust [Member] | Revenue in Scope ASC 606 [Member]
Revenue from Contracts with Customers [Line Items]
Revenue from Contract with Customer, Including Assessed Tax	$ 612	$ 672	$ 1,198	$ 1,339