Loans (Tables)

3 Months Ended

Mar. 31, 2013

Loans [Abstract]

Loan Portfolio

		Principal		Net Deferred
		Amount		Loan (Fees)
		Outstanding		Costs			Loans, Net
March 31, 2013
Commercial business	$	259,054	$	8		$	259,062
Commercial mortgage		425,586		(951	)		424,635
Residential mortgage		126,058		170			126,228
Home equity		287,844		4,381			292,225
Consumer indirect		563,428		27,012			590,440
Other consumer		24,581		119			24,700
Total	$	1,686,551	$	30,739			1,717,290
Allowance for loan losses							(25,827	)
Total loans, net						$	1,691,463
December 31, 2012
Commercial business	$	258,706	$	(31	)	$	258,675
Commercial mortgage		414,282		(958	)		413,324
Residential mortgage		133,341		179			133,520
Home equity		282,503		4,146			286,649
Consumer indirect		559,964		26,830			586,794
Other consumer		26,657		107			26,764
Total	$	1,675,453	$	30,273			1,705,726
Allowance for loan losses							(24,714	)
Total loans, net						$	1,681,012

Recorded Investment By Loan Class In Current And Nonaccrual Loans

					Greater
		30-59 Days		60-89 Days	Than 90			Total Past						Total
		Past Due		Past Due	Days			Due		Nonaccrual		Current		Loans
March 31, 2013
Commercial business	$	208	$	-	$	-	$	208	$	5,616	$	253,230	$	259,054
Commercial mortgage		523		-		-		523		2,767		422,296		425,586
Residential mortgage		293		-		-		293		1,759		124,006		126,058
Home equity		388		86		-		474		598		286,772		287,844
Consumer indirect		1,084		95		-		1,179		1,007		561,242		563,428
Other consumer		79		19		5		103		14		24,464		24,581
Total loans, gross	$	2,575	$	200	$	5	$	2,780	$	11,761	$	1,672,010	$	1,686,551

December 31, 2012
Commercial business	$	160	$	-	$	-	$	160	$	3,413	$	255,133	$	258,706
Commercial mortgage		331		-		-		331		1,799		412,152		414,282
Residential mortgage		376		-		-		376		2,040		130,925		133,341
Home equity		675		10		-		685		939		280,879		282,503
Consumer indirect		1,661		163		-		1,824		891		557,249		559,964
Other consumer		127		35		18		180		25		26,452		26,657
Total loans, gross	$	3,330	$	208	$	18	$	3,556	$	9,107	$	1,662,790	$	1,675,453

Information Related To Loans Modified In A TDR

			Pre-		Post-
			Modification           Modification
			Outstanding	Outstanding
	Number of		Recorded		Recorded
	Contracts		Investment		Investment
March 31, 2013
Commercial business	2	$	189	$	181
Commercial mortgage	-		-		-
Total	2	$	189	$	181
March 31, 2012
Commercial business	2	$	433	$	433
Commercial mortgage	1		46		46
Total	3	$	479	$	479

Summary Of Impaired Loans

				Unpaid				Average		Interest
		Recorded		Principal		Related		Recorded		Income
		Investment(1)		Balance(1)		Allowance		Investment		Recognized
March 31, 2013
With no related allowance recorded:
Commercial business	$	1,076	$	1,484	$	-	$	960	$	-
Commercial mortgage		827		918		-		885		-
		1,903		2,402		-		1,845		-
With an allowance recorded:
Commercial business		4,540		4,540		1,335		2,957		-
Commercial mortgage		1,940		1,940		657		1,145		-
		6,480		6,480		1,992		4,102		-
	$	8,383	$	8,882	$	1,992	$	5,947	$	-
December 31, 2012
With no related allowance recorded:
Commercial business	$	963	$	1,425	$	-	$	755	$	-
Commercial mortgage		911		1,002		-		1,310		-
		1,874		2,427		-		2,065		-
With an allowance recorded:
Commercial business		2,450		2,450		664		2,114		-
Commercial mortgage		888		888		310		1,858		-
		3,338		3,338		974		3,972		-
	$	5,212	$	5,765	$	974	$	6,037	$	-

(1) Difference between recorded investment and unpaid principal balance represents partial charge-offs.

Commercial Loan Portfolio Categorized By Internally Assigned Asset Classification

		Commercial		Commercial
		Business		Mortgage
March 31, 2013
Uncriticized	$	241,849	$	410,673
Special mention		5,538		7,697
Substandard		11,667		7,216
Doubtful		-		-
Total	$	259,054	$	425,586

December 31, 2012
Uncriticized	$	240,291	$	400,576
Special mention		6,591		6,495
Substandard		11,824		7,211
Doubtful		-		-
Total	$	258,706	$	414,282

Retail Loan Portfolio Categorized By Payment Status

		Residential		Home		Consumer		Other
		Mortgage		Equity		Indirect		Consumer
March 31, 2013
Performing	$	124,299	$	287,246	$	562,421	$	24,567
Non-performing		1,759		598		1,007		14
Total	$	126,058	$	287,844	$	563,428	$	24,581

December 31, 2012
Performing	$	131,301	$	281,564	$	559,073	$	26,632
Non-performing		2,040		939		891		25
Total	$	133,341	$	282,503	$	559,964	$	26,657

Changes In The Allowance For Loan Losses

		Commercial		Commercial		Residential		Home		Consumer		Other
		Business		Mortgage		Mortgage		Equity		Indirect		Consumer		Total
March 31, 2013
Allowance for loan losses:
Beginning balance	$	4,884	$	6,581	$	740	$	1,282	$	10,715	$	512	$	24,714
Charge-offs		239		3		162		269		1,718		252		2,643
Recoveries		37		14		17		37		805		137		1,047
Provision		485		379		73		233		1,510		29		2,709
Ending balance	$	5,167	$	6,971	$	668	$	1,283	$	11,312	$	426	$	25,827
Evaluated for impairment:
Individually	$	1,335	$	657	$	-	$	-	$	-	$	-	$	1,992
Collectively	$	3,832	$	6,314	$	668	$	1,283	$	11,312	$	426	$	23,835
Loans:
Ending balance	$	259,054	$	425,586	$	126,058	$	287,844	$	563,428	$	24,581	$	1,686,551
Evaluated for impairment:
Individually	$	5,616	$	2,767	$	-	$	-	$	-	$	-	$	8,383
Collectively	$	253,438	$	422,819	$	126,058	$	287,844	$	563,428	$	24,581	$	1,678,168
March 31, 2012
Allowance for loan losses:
Beginning balance	$	4,036	$	6,418	$	858	$	1,242	$	10,189	$	517	$	23,260
Charge-offs		55		120		106		4		1,395		314		1,994
Recoveries		77		15		70		9		727		214		1,112
Provision (credit)		328		475		-		34		478		70		1,385
Ending balance	$	4,386	$	6,788	$	822	$	1,281	$	9,999	$	487	$	23,763
Evaluated for impairment:
Individually	$	554	$	672	$	-	$	-	$	-	$	-	$	1,226
Collectively	$	3,832	$	6,116	$	822	$	1,281	$	9,999	$	487	$	22,537
Loans:
Ending balance	$	233,690	$	407,293	$	112,096	$	232,928	$	485,244	$	23,328	$	1,494,579
Evaluated for impairment:
Individually	$	1,863	$	3,040	$	-	$	-	$	-	$	-	$	4,903
Collectively	$	231,827	$	404,253	$	112,096	$	232,928	$	485,244	$	23,328	$	1,489,676