View Filing Data

Print Document View Excel Document

Document and Entity Information - shares	9 Months Ended
Document and Entity Information - shares	Sep. 30, 2019	Oct. 31, 2019
Cover [Abstract]
Entity Registrant Name	NBT BANCORP INC
Entity Central Index Key	0000790359
Current Fiscal Year End Date	--12-31
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Shell Company	false
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Common Stock, Shares Outstanding		43,791,695
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Sep. 30, 2019
Document Fiscal Year Focus	2019
Document Fiscal Period Focus	Q3
Document Quarterly Report	true
Document Transition Report	false
Entity File Number	0-14703
Entity Tax Identification Number	16-1268674
Entity Incorporation, State or Country Code	DE
Entity Address, Address Line One	52 South Broad Street
Entity Address, City or Town	Norwich
Entity Address, State or Province	NY
Entity Address, Postal Zip Code	13815
City Area Code	607
Local Phone Number	337-2265
Title of 12(b) Security	Common Stock, par value $0.01 per share
Trading Symbol	NBTB
Security Exchange Name	NASDAQ

Consolidated Balance Sheets (unaudited) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Assets
Cash and due from banks	$ 217,639	$ 175,550
Short-term interest bearing accounts	56,457	5,405
Equity securities, at fair value	26,818	23,053
Securities available for sale, at fair value	932,173	998,496
Securities held to maturity (fair value $691,189 and $778,675, respectively)	678,435	783,599
Federal Reserve and Federal Home Loan Bank stock	37,490	53,229
Loans held for sale	17,986	6,943
Loans	7,013,809	6,887,709
Less allowance for loan losses	72,365	72,505
Net loans	6,941,444	6,815,204
Premises and equipment, net	75,708	78,970
Goodwill	274,769	274,769
Intangible assets, net	12,864	15,599
Bank owned life insurance	180,513	177,479
Other assets	209,090	148,067
Total assets	9,661,386	9,556,363
Liabilities
Demand (noninterest bearing)	2,477,657	2,361,099
Savings, NOW and money market	4,405,218	4,076,434
Time	860,291	930,678
Total deposits	7,743,166	7,368,211
Short-term borrowings	443,266	871,696
Long-term debt	84,239	73,724
Junior subordinated debt	101,196	101,196
Other liabilities	190,918	123,627
Total liabilities	8,562,785	8,538,454
Stockholders' equity
Preferred stock, $0.01 par value. Authorized 2,500,000 shares at September 30, 2019 and December 31, 2018	0	0
Common stock, $0.01 par value. Authorized 100,000,000 shares at September 30, 2019 and December 31, 2018; issued 49,651,493 at September 30, 2019 and December 31, 2018	497	497
Additional paid-in-capital	576,146	575,466
Retained earnings	679,090	621,203
Accumulated other comprehensive loss	(22,924)	(43,174)
Common stock in treasury, at cost, 5,864,848 and 5,978,527 shares at September 30, 2019 and December 31, 2018, respectively	(134,208)	(136,083)
Total stockholders' equity	1,098,601	1,017,909
Total liabilities and stockholders' equity	$ 9,661,386	$ 9,556,363

Consolidated Balance Sheets (unaudited) (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Assets
Securities held to maturity fair value	$ 691,189	$ 778,675
Stockholders' equity
Preferred stock, par value (in dollars per share)	$ 0.01	$ 0.01
Preferred stock, shares authorized (in shares)	2,500,000	2,500,000
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	100,000,000	100,000,000
Common stock, shares issued (in shares)	49,651,493	49,651,493
Common stock in treasury, at cost (in shares)	5,864,848	5,978,527

Consolidated Statements of Income (unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Interest, fee and dividend income
Interest and fees on loans	$ 81,082	$ 77,249	$ 241,674	$ 221,864
Securities available for sale	5,711	6,659	17,664	20,588
Securities held to maturity	4,586	3,462	14,892	8,898
Other	1,002	834	2,728	2,381
Total interest, fee and dividend income	92,381	88,204	276,958	253,731
Interest expense
Deposits	10,745	6,157	29,805	15,167
Short-term borrowings	1,989	3,000	7,986	7,421
Long-term debt	498	431	1,391	1,359
Junior subordinated debt	1,095	1,089	3,404	3,030
Total interest expense	14,327	10,677	42,586	26,977
Net interest income	78,054	77,527	234,372	226,754
Provision for loan losses	6,324	6,026	19,408	22,300
Net interest income after provision for loan losses	71,730	71,501	214,964	204,454
Noninterest income
Insurance and other financial services revenue	6,421	6,172	19,115	18,502
Service charges on deposit accounts	4,330	4,503	12,790	12,721
ATM and debit card fees	6,277	5,906	17,958	16,995
Retirement plan administration fees	7,600	7,244	23,170	19,879
Trust	5,209	4,808	14,491	14,951
Bank owned life insurance	1,556	1,288	4,119	3,852
Net securities gains	4,036	412	4,024	575
Other	4,291	3,048	12,115	11,341
Total noninterest income	39,720	33,381	107,782	98,816
Noninterest expense
Salaries and employee benefits	39,352	38,394	117,275	112,687
Occupancy	5,335	5,380	17,053	17,034
Data processing and communications	4,492	4,434	13,599	13,221
Professional fees and outside services	3,535	3,580	10,562	10,408
Equipment	4,487	4,319	13,762	12,508
Office supplies and postage	1,667	1,563	4,835	4,640
FDIC (credit) expense	(20)	1,223	1,946	3,516
Advertising	677	739	1,821	1,776
Amortization of intangible assets	874	1,054	2,735	3,064
Loan collection and other real estate owned, net	976	1,234	2,722	3,479
Other	8,374	4,577	18,130	13,324
Total noninterest expense	69,749	66,497	204,440	195,657
Income before income tax expense	41,701	38,385	118,306	107,613
Income tax expense	9,322	8,578	26,245	23,699
Net income	$ 32,379	$ 29,807	$ 92,061	$ 83,914
Earnings per share
Basic (in dollars per share)	$ 0.74	$ 0.68	$ 2.10	$ 1.92
Diluted (in dollars per share)	$ 0.73	$ 0.68	$ 2.09	$ 1.91

Consolidated Statements of Comprehensive Income (unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Consolidated Statements of Comprehensive Income (Unaudited) [Abstract]
Net income	$ 32,379	$ 29,807	$ 92,061	$ 83,914
Securities available for sale:
Unrealized net holding gains (losses) arising during the period, gross	2,360	(5,798)	26,787	(26,605)
Tax effect	(590)	1,449	(6,697)	6,651
Unrealized net holding gains (losses) arising during the period, net	1,770	(4,349)	20,090	(19,954)
Reclassification adjustment for net (gains) losses in net income, gross	(20)	0	79	0
Tax effect	5	0	(20)	0
Reclassification adjustment for net (gains) losses in net income, net	(15)	0	59	0
Amortization of unrealized net gains for the reclassification of available for sale securities to held to maturity, gross	190	168	556	533
Tax effect	(47)	(42)	(139)	(133)
Amortization of unrealized net gains for the reclassification of available for sale securities to held to maturity, net	143	126	417	400
Total securities available for sale, net	1,898	(4,223)	20,566	(19,554)
Cash flow hedges:
Unrealized gains (losses) on derivatives (cash flow hedges), gross	9	175	(475)	1,647
Tax effect	(2)	(44)	119	(412)
Unrealized gains (losses) on derivatives (cash flow hedges), net	7	131	(356)	1,235
Reclassification of net unrealized (gains) on cash flow hedges to interest (income), gross	(395)	(638)	(1,932)	(1,537)
Tax effect	98	159	483	384
Reclassification of net unrealized (gains) on cash flow hedges to interest (income), net	(297)	(479)	(1,449)	(1,153)
Total cash flow hedges, net	(290)	(348)	(1,805)	82
Pension and other benefits:
Amortization of prior service cost and actuarial losses, gross	672	286	1,985	876
Tax effect	(168)	(71)	(496)	(219)
Amortization of prior service cost and actuarial losses, net	504	215	1,489	657
Total pension and other benefits, net	504	215	1,489	657
Total other comprehensive income (loss)	2,112	(4,356)	20,250	(18,815)
Comprehensive income	$ 34,491	$ 25,451	$ 112,311	$ 65,099

Consolidated Statements of Stockholders' Equity (unaudited) - USD ($) $ in Thousands	Common Stock [Member]	Additional Paid-in-Capital [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive (Loss) Income [Member]	Common Stock in Treasury [Member]	Total
Cumulative effect adjustment for ASU implementation \| ASU 2016-01 [Member]	$ 0	$ 0	$ 2,618	$ (2,645)	$ 0	$ (27)
Cumulative effect adjustment for ASU implementation \| ASU 2018-02 [Member]	0	0	5,575	(5,575)	0	0
Balance at Dec. 31, 2017	497	574,209	543,713	(22,077)	(138,165)	958,177
Net income	0	0	83,914	0	0	83,914
Cash dividends	0	0	(31,899)	0	0	(31,899)
Net issuance of shares to employee and other stock plans	0	(2,511)	0	0	1,859	(652)
Stock-based compensation	0	3,457	0	0	0	3,457
Other comprehensive (loss) income	0	0	0	(18,815)	0	(18,815)
Balance at Sep. 30, 2018	497	575,155	603,921	(49,112)	(136,306)	994,155
Balance at Jun. 30, 2018	497	574,741	585,044	(44,756)	(136,597)	978,929
Net income	0	0	29,807	0	0	29,807
Cash dividends	0	0	(10,930)	0	0	(10,930)
Net issuance of shares to employee and other stock plans	0	(89)	0	0	291	202
Stock-based compensation	0	503	0	0	0	503
Other comprehensive (loss) income	0	0	0	(4,356)	0	(4,356)
Balance at Sep. 30, 2018	497	575,155	603,921	(49,112)	(136,306)	994,155
Balance at Dec. 31, 2018	497	575,466	621,203	(43,174)	(136,083)	1,017,909
Net income	0	0	92,061	0	0	92,061
Cash dividends	0	0	(34,174)	0	0	(34,174)
Net issuance of shares to employee and other stock plans	0	(2,916)	0	0	1,875	(1,041)
Stock-based compensation	0	3,596	0	0	0	3,596
Other comprehensive (loss) income	0	0	0	20,250	0	20,250
Balance at Sep. 30, 2019	497	576,146	679,090	(22,924)	(134,208)	1,098,601
Balance at Jun. 30, 2019	497	575,794	658,107	(25,036)	(134,539)	1,074,823
Net income	0	0	32,379	0	0	32,379
Cash dividends	0	0	(11,396)	0	0	(11,396)
Net issuance of shares to employee and other stock plans	0	(104)	0	0	331	227
Stock-based compensation	0	456	0	0	0	456
Other comprehensive (loss) income	0	0	0	2,112	0	2,112
Balance at Sep. 30, 2019	$ 497	$ 576,146	$ 679,090	$ (22,924)	$ (134,208)	$ 1,098,601

- Definition

The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.

+ References + Details

Consolidated Statements of Stockholders' Equity (unaudited) (Parenthetical) - $ / shares	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Consolidated Statements of Stockholders' Equity (unaudited) [Abstract]
Cash dividends - per share (in dollars per share)	$ 0.26	$ 0.25	$ 0.78	$ 0.73
Net issuance of shares to employee benefit plans and other stock plans (in shares)	17,234	14,120	113,679	118,510

Consolidated Statements of Cash Flows (unaudited) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018
Operating activities
Net income	$ 92,061	$ 83,914
Adjustments to reconcile net income to net cash provided by operating activities
Provision for loan losses	19,408	22,300
Depreciation and amortization of premises and equipment	7,106	6,957
Net amortization on securities	2,495	3,108
Amortization of intangible assets	2,735	3,064
Amortization of operating lease right-of-use assets	5,396	0
Excess tax benefit on stock-based compensation	(371)	(507)
Stock-based compensation expense	3,596	3,457
Bank owned life insurance income	(4,119)	(3,852)
Proceeds from sale of loans held for sale	109,661	73,239
Originations of loans held for sale	(119,753)	(76,959)
Net gains on sale of loans held for sale	(475)	(181)
Net security (gains)	(4,024)	(575)
Net (gains) losses on sale of other real estate owned	(178)	130
Net change in other assets and other liabilities	(9,579)	(14,313)
Net cash provided by operating activities	103,959	99,782
Investing activities
Net cash used in acquisitions	0	(7,884)
Securities available for sale:
Proceeds from maturities, calls and principal paydowns	226,070	213,732
Proceeds from sales	26,203	0
Purchases	(160,781)	(102,004)
Securities held to maturity:
Proceeds from maturities, calls and principal paydowns	165,997	73,217
Purchases	(61,150)	(249,300)
Equity securities:
Proceeds from sales	3,966	3,318
Purchases	(93)	(2)
Other:
Net increase in loans	(146,778)	(323,614)
Proceeds from Federal Home Loan Bank stock redemption	147,200	186,869
Purchases of Federal Reserve and Federal Home Loan Bank stock	(131,461)	(192,584)
Proceeds from settlement of bank owned life insurance	1,085	0
Purchases of premises and equipment, net	(4,018)	(4,256)
Proceeds from sales of other real estate owned	1,129	2,124
Net cash provided by (used in) investing activities	67,369	(400,384)
Financing activities
Net increase in deposits	374,955	270,654
Net (decrease) increase in short-term borrowings	(428,430)	92,585
Proceeds from issuance of long-term debt	10,598	25,000
Repayments of long-term debt	(83)	(40,117)
Proceeds from the issuance of shares to employee and other stock plans	543	1,140
Cash paid by employer for tax-withholdings on stock issuance	(1,596)	(1,792)
Cash dividends	(34,174)	(31,899)
Net cash (used in) provided by financing activities	(78,187)	315,571
Net increase in cash and cash equivalents	93,141	14,969
Cash and cash equivalents at beginning of period	180,955	159,664
Cash and cash equivalents at end of period	274,096	174,633
Cash paid during the period for:
Interest expense	42,709	26,002
Income taxes paid, net of refund	19,945	31,077
Noncash investing activities:
Loans transferred to other real estate owned	654	996
Acquisitions:
Fair value of assets acquired	$ 0	$ 6,274

Description of Business

9 Months Ended

Sep. 30, 2019

Description of Business [Abstract]

Description of Business

1.	Description of Business

NBT Bancorp Inc. (the “Registrant” or the “Company”) is a registered financial holding company incorporated in the state of Delaware in 1986, with its principal headquarters located in Norwich, New York. The principal assets of the Registrant consist of all of the outstanding shares of common stock of its subsidiaries, including: NBT Bank, National Association (the “Bank”), NBT Financial Services, Inc. (“NBT Financial”), NBT Holdings, Inc. (“NBT Holdings”), CNBF Capital Trust I, NBT Statutory Trust I, NBT Statutory Trust II, Alliance Financial Capital Trust I and Alliance Financial Capital Trust II (collectively, the “Trusts”). The Company’s principal sources of revenue are the management fees and dividends it receives from the Bank, NBT Financial and NBT Holdings.

The Company’s business, primarily conducted through the Bank, consists of providing commercial banking, retail banking and wealth management services primarily to customers in its market area, which includes central and upstate New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont and the southern coastal Maine area. The Company has been, and intends to continue to be, a community-oriented financial institution offering a variety of financial services. The Company’s business philosophy is to operate as a community bank with local decision-making, providing a broad array of banking and financial services to retail, commercial and municipal customers.

Basis of Presentation

9 Months Ended

Sep. 30, 2019

Basis of Presentation [Abstract]

Basis of Presentation

2.	Basis of Presentation

The accompanying unaudited interim consolidated financial statements include the accounts of the Registrant and its wholly-owned subsidiaries, the Bank, NBT Financial and NBT Holdings. Collectively, the Registrant and its subsidiaries are referred to herein as “the Company.” The interim data includes all adjustments, consisting only of normal recurring adjustments, necessary for a fair statement of the results for the interim periods in accordance with generally accepted accounting principles in the United States of America (“GAAP”). These unaudited interim consolidated financial statements should be read in conjunction with the audited consolidated financial statements and notes thereto included in our 2018 Annual Report on Form 10-K. The results of operations for the interim periods are not necessarily indicative of the results that may be expected for the full year or any other interim period. All material intercompany transactions have been eliminated in consolidation. The Company has evaluated subsequent events for potential recognition and/or disclosure and there were none identified.

Securities

9 Months Ended

Sep. 30, 2019

Securities [Abstract]

Securities

3.	Securities

The amortized cost, estimated fair value and unrealized gains (losses) of available for sale (“AFS”) securities are as follows:

(In thousands)	Amortized Cost		Unrealized Gains		Unrealized Losses		Estimated Fair Value
As of September 30, 2019
Federal agency	$	29,998	$	-	$	167	$	29,831
State & municipal		9		-		-		9
Mortgage-backed:
Government-sponsored enterprises		433,393		4,494		292		437,595
U.S. government agency securities		44,912		1,021		18		45,915
Collateralized mortgage obligations:
Government-sponsored enterprises		343,682		2,484		456		345,710
U.S. government agency securities		72,443		887		217		73,113
Total AFS securities	$	924,437	$	8,886	$	1,150	$	932,173
As of December 31, 2018
Federal agency	$	84,982	$	10	$	693	$	84,299
State & municipal		30,136		16		237		29,915
Mortgage-backed:
Government-sponsored enterprises		493,225		439		10,354		483,310
U.S. government agency securities		29,190		270		475		28,985
Collateralized mortgage obligations:
Government-sponsored enterprises		332,409		344		7,211		325,542
U.S. government agency securities		47,684		137		1,376		46,445
Total AFS securities	$	1,017,626	$	1,216	$	20,346	$	998,496

The components of net realized gains (losses) on AFS securities are as follows. These amounts were reclassified out of accumulated other comprehensive income (loss) (“AOCI”) and into earnings.

	Three Months Ended September 30,
(In thousands)	2019		2018
Gross realized gains	$	20	$	-
Gross realized (losses)		-		-
Net AFS realized gains	$	20	$	-

	Nine Months Ended September 30,
(In thousands)	2019			2018
Gross realized gains	$	73		$	-
Gross realized (losses)		(152	)		-
Net AFS realized (losses)	$	(79	)	$	-

Included in net realized gains (losses) on AFS securities, the Company recorded gains from calls of approximately $20 thousand for the three months ended September 30, 2019 and $25 thousand for the nine months ended September 30, 2019. There were no recorded gains from calls on AFS securities included in net realized gains (losses) for the three and nine months ended September 30, 2018.

The amortized cost, estimated fair value and unrealized gains (losses) of held to maturity (“HTM”) securities are as follows:

(In thousands)	Amortized Cost		Unrealized Gains		Unrealized Losses		Estimated Fair Value
As of September 30, 2019
Federal agency	$	10,000	$	6	$	-	$	10,006
Mortgage-backed:
Government-sponsored enterprises		154,701		3,139		127		157,713
U.S. government agency securities		13,679		785		-		14,464
Collateralized mortgage obligations:
Government-sponsored enterprises		213,409		2,849		365		215,893
U.S. government agency securities		112,974		4,001		64		116,911
State & municipal		173,672		2,544		14		176,202
Total HTM securities	$	678,435	$	13,324	$	570	$	691,189
As of December 31, 2018
Federal agency	$	19,995	$	52	$	-	$	20,047
Mortgage-backed:
Government-sponsored enterprises		164,618		712		2,773		162,557
U.S. government agency securities		15,230		403		-		15,633
Collateralized mortgage obligations:
Government-sponsored enterprises		257,475		1,097		3,897		254,675
U.S. government agency securities		83,148		767		-		83,915
State & municipal		243,133		331		1,616		241,848
Total HTM securities	$	783,599	$	3,362	$	8,286	$	778,675

Included in net realized gains (losses), the Company recorded gains from calls on HTM securities of approximately $4 thousand for the three and nine months ended September 30, 2019. There were no recorded gains from calls on HTM securities included in net realized gains (losses) for the three and nine months ended September 30, 2018.

AFS and HTM securities with amortized costs totaling $1.4 billion at September 30, 2019 and $1.5 billion at December 31, 2018 were pledged to secure public deposits and for other purposes required or permitted by law. Additionally, at September 30, 2019 and December 31, 2018, AFS and HTM securities with an amortized cost of $186.3 million and $215.3 million, respectively, were pledged as collateral for securities sold under repurchase agreements.

The following table sets forth information with regard to investment securities with unrealized losses segregated according to the length of time the securities had been in a continuous unrealized loss position:

	Less Than 12 Months							12 Months or Longer							Total
(In thousands)	Fair Value		Unrealized Losses			Number of Positions		Fair Value		Unrealized Losses			Number of Positions		Fair Value		Unrealized Losses			Number of Positions
As of September 30, 2019
AFS securities:
Federal agency	$	19,965	$	(33	)		2	$	9,866	$	(134	)		1	$	29,831	$	(167	)		3
Mortgage-backed		36,017		(69	)		18		39,394		(241	)		16		75,411		(310	)		34
Collateralized mortgage obligations		60,272		(170	)		11		72,528		(503	)		23		132,800		(673	)		34
Total securities with unrealized losses	$	116,254	$	(272	)		31	$	121,788	$	(878	)		40	$	238,042	$	(1,150	)		71

HTM securities:
Mortgage-backed	$	-	$	-			-	$	26,836	$	(127	)		2	$	26,836	$	(127	)		2
Collateralized mortgage obligations		18,656		(129	)		3		23,708		(300	)		5		42,364		(429	)		8
State & municipal		5,447		(14	)		8		-		-			-		5,447		(14	)		8
Total securities with unrealized losses	$	24,103	$	(143	)		11	$	50,544	$	(427	)		7	$	74,647	$	(570	)		18

As of December 31, 2018
AFS securities:
Federal agency	$	-	$	-			-	$	64,294	$	(693	)		6	$	64,294	$	(693	)		6
State & municipal		1,715		(3	)		3		22,324		(234	)		35		24,039		(237	)		38
Mortgage-backed		18,462		(65	)		12		428,440		(10,764	)		101		446,902		(10,829	)		113
Collateralized mortgage obligations		12,118		(69	)		5		320,908		(8,518	)		62		333,026		(8,587	)		67
Total securities with unrealized losses	$	32,295	$	(137	)		20	$	835,966	$	(20,209	)		204	$	868,261	$	(20,346	)		224

HTM securities:
Mortgage-backed	$	-	$	-			-	$	82,579	$	(2,773	)		6	$	82,579	$	(2,773	)		6
Collateralized mortgage obligations		4,386		(7	)		2		145,396		(3,890	)		26		149,782		(3,897	)		28
State & municipal		18,907		(84	)		30		58,258		(1,532	)		86		77,165		(1,616	)		116
Total securities with unrealized losses	$	23,293	$	(91	)		32	$	286,233	$	(8,195	)		118	$	309,526	$	(8,286	)		150

Declines in the fair value of HTM securities below their amortized cost, less any current period credit loss, that are deemed to be other-than-temporary are reflected in earnings as realized losses or in other comprehensive income (“OCI”). The classification is dependent upon whether the Company intends to sell the security, or whether it is more likely than not, that the Company will be required to sell the security before recovery. The other-than-temporary impairment (“OTTI”) shall be recognized in earnings equal to the entire difference between the investment’s amortized cost basis and its fair value at the balance sheet date. If the Company does not intend to sell the security and it is not more likely than not that the Company will be required to sell the security before recovery of its amortized cost basis less any current-period credit loss, the OTTI shall be separated into (i) the amount representing the credit loss and (ii) the amount related to all other factors. The amount of the total OTTI related to the credit loss shall be recognized in earnings. The amount of the total OTTI related to other factors shall be recognized in OCI, net of applicable taxes.

In estimating OTTI losses, management considers, among other things, (i) the length of time and the extent to which the fair value has been less than cost, (ii) the financial condition and near-term prospects of the issuer and (iii) the historical and implied volatility of the fair value of the security.

Management has the intent to hold the securities classified as HTM until they mature, at which time it is believed the Company will receive full value for the securities. The unrealized losses on HTM debt securities are due to increases in market interest rates over yields at the time the underlying securities were purchased. When necessary, the Company has performed a discounted cash flow analysis to determine whether or not it will receive the contractual principal and interest on certain securities. The fair value is expected to recover as the bond approaches its maturity date or repricing date or if market yields for such investments declines.

Management also has the intent to hold and will not be required to sell, the debt securities classified as AFS for a period of time sufficient for a recovery of cost, which may be until maturity. The unrealized losses on AFS debt securities are due to increases in market interest rates over the yields available at the time the underlying securities were purchased. When necessary, the Company has performed a discounted cash flow analysis to determine whether or not it will receive the contractual principal and interest on certain securities. For AFS debt securities, OTTI losses are recognized in earnings if the Company intends to sell the security. In other cases the Company considers the relevant factors noted above, as well as the Company’s intent and ability to retain its investment for a period of time sufficient to allow for any anticipated recovery in market value and whether evidence exists to support a realizable value equal to or greater than the cost basis. Any impairment loss on an equity security is equal to the full difference between the cost basis and the fair value of the security.

As of September 30, 2019 and December 31, 2018, management believes the impairments detailed in the table above are temporary. There were no OTTI losses realized in the Company’s unaudited interim consolidated statements of income for the three and nine months ended September 30, 2019, or in the three and nine months ended September 30, 2018.

The following tables set forth information with regard to gains and losses on equity securities:

	Three Months Ended September 30,
(In thousands)	2019		2018
Net gains and losses recognized on equity securities	$	4,012	$	412
Less: Net gains and losses recognized during the period on equity securities sold during the period		3,966		511
Unrealized gains and losses recognized on equity securities still held	$	46	$	(99	)

	Nine Months Ended September 30,
(In thousands)	2019		2018
Net gains and losses recognized on equity securities	$	4,099	$	575
Less: Net gains and losses recognized during the period on equity securities sold during the period		3,966		555
Unrealized gains and losses recognized on equity securities still held	$	133	$	20

Included in the net realized gains and losses recognized on equity securities during the three and nine months ended September 30, 2019, the Company recorded a $4.0 million gain from the sale of Visa Class B common stock, which had no readily determinable fair value at the time of the sale. As of September 30, 2019 and December 31, 2018, the carrying value of equity securities without readily determinable fair values was $4.0 million. The Company performed a qualitative assessment to determine whether the investments were impaired and identified no areas of concern as of September 30, 2019 and 2018. There were no impairments, downward or upward adjustments recognized for equity securities without readily determinable fair values during the three and nine months ended September 30, 2019 and 2018.

The following tables set forth information with regard to contractual maturities of debt securities at September 30, 2019:

(In thousands)	Amortized Cost		Estimated Fair Value
AFS debt securities:
Within one year	$	37	$	37
From one to five years		30,404		30,393
From five to ten years		171,485		173,220
After ten years		722,511		728,523
Total AFS debt securities	$	924,437	$	932,173
HTM debt securities:
Within one year	$	26,940	$	26,940
From one to five years		68,113		68,531
From five to ten years		179,381		183,425
After ten years		404,001		412,293
Total HTM debt securities	$	678,435	$	691,189

Maturities of mortgage-backed, collateralized mortgage obligations and asset-backed securities are stated based on their estimated average lives. Actual maturities may differ from estimated average lives or contractual maturities because, in certain cases, borrowers have the right to call or prepay obligations with or without call or prepayment penalties.

Except for U.S. Government securities, there were no holdings, when taken in the aggregate, of any single issuer that exceeded 10% of consolidated stockholders’ equity at September 30, 2019 and December 31, 2018.

Allowance for Loan Losses and Credit Quality of Loans

9 Months Ended

Sep. 30, 2019

Allowance for Loan Losses and Credit Quality of Loans [Abstract]

Allowance for Loan Losses and Credit Quality of Loans

4. Allowance for Loan Losses and Credit Quality of Loans

Allowance for Loan Losses

The allowance for loan losses is maintained at a level estimated by management to provide adequately for probable incurred losses inherent in the current loan portfolio. The appropriateness of the allowance for loan losses is continuously monitored. It is assessed for appropriateness using a methodology designed to ensure the level of the allowance reasonably reflects the loan portfolio’s risk profile and can absorb all reasonably estimable credit losses inherent in the current loan portfolio.

To develop and document a systematic methodology for determining the allowance for loan losses, the Company has divided the loan portfolio into three segments, each with different risk characteristics and methodologies for assessing risk. Those segments are further segregated between our loans accounted for under the amortized cost method (referred to as “originated” loans) and loans acquired in a business combination (referred to as “acquired” loans). Each portfolio segment is broken down into class segments where appropriate. Class segments contain unique measurement attributes, risk characteristics and methods for monitoring and assessing risk that are necessary to develop the allowance for loan losses. Unique characteristics such as borrower type, loan type, collateral type and risk characteristics define each class segment. The following table illustrates the portfolio and class segments for the Company’s loan portfolio:

Portfolio	Class
Commercial Loans	Commercial and Industrial
	Commercial Real Estate
	Business Banking
Consumer Loans	Dealer Finance
	Specialty Lending
	Direct
Residential Real Estate

Commercial Loans

The Company offers a variety of Commercial loan products. The Company’s underwriting analysis for commercial loans typically includes credit verification, independent appraisals, a review of the borrower’s financial condition and a detailed analysis of the borrower’s underlying cash flows.

Commercial and Industrial (“C&I”) – The Company offers a variety of loan options to meet the specific needs of our C&I customers including term loans, time notes and lines of credit. Such loans are made available to businesses for working capital needs such as inventory and receivables, business expansion, equipment purchases, livestock purchases and seasonal crop expenses. These loans are usually collateralized by business assets such as equipment, accounts receivable and perishable agricultural products, which are exposed to industry price volatility. To reduce these risks, management also attempts to obtain personal guarantees of the owners or obtain government loan guarantees to provide further support.

Commercial Real Estate (“CRE”) – The Company offers CRE loans to finance real estate purchases, refinancings, expansions and improvements to commercial and agricultural properties. These CRE loans are secured by liens on the real estate, which may include both owner occupied and non-owner-occupied properties, such as apartments, commercial structures, health care facilities and other facilities. The Company’s underwriting analysis includes credit verification, independent appraisals, a review of the borrower’s financial condition and a detailed analysis of the borrower’s underlying cash flows. These loans are typically originated in amounts of no more than 80% of the appraised value of the property.

Business Banking – The Company offers a variety of loan options to meet the specific needs of our Business Banking customers including term loans, mortgages and lines of credit. Such loans are generally less than $1.0 million and are made available to businesses for working capital such as inventory and receivables, business expansion, equipment purchases and agricultural needs. Generally, a collateral lien is placed on assets owned by the borrower and can include real estate, equipment, inventory, receivables or other business assets. These loans carry a higher risk than C&I and CRE loans due to the smaller size of the borrower and lower levels of capital.

Consumer Loans

The Company offers a variety of Consumer loan products including Dealer Finance, Specialty Lending and Direct loans.

Dealer Finance – The Company maintains relationships with many dealers primarily in the communities that we serve. Through these relationships, the Company primarily finances the purchases of automobiles indirectly through dealer relationships. Approximately 95% of the Dealer Finance relationships represent automobile financing. Most of these loans carry a fixed rate of interest with principal repayment terms typically ranging from three to six years, based upon the nature of the collateral and the size of the loan. The majority of Dealer Finance Consumer loans are underwritten on a secured basis using the underlying collateral being financed.

Specialty Lending – The Company offers unsecured Consumer loans across a national footprint originated through our relationships with national technology-driven consumer lending companies to finance such things as dental and medical procedures, K-12 tuition, solar energy installations and other consumer purpose loans. Advances of credit through this specialty lending business line are subject to the Company’s underwriting standards including criteria such as FICO score and debt to income thresholds.

Direct – The Company offers a variety of consumer installment loans to finance vehicle purchases, mobile home purchases and personal expenditures. In addition to installment loans, the Company also offers personal lines of credit, overdraft protection, home equity lines of credit and second mortgage loans (loans secured by a lien position on one-to-four family residential real estate) to finance home improvements, debt consolidation, education and other uses. For home equity loans, consumers are able to borrow up to 85% of the equity in their homes, and are generally tied to Prime with a ten year draw followed by a fifteen year amortization. These loans carry a higher risk than first mortgage residential loans as they are often in a second position with respect to collateral. Consumer installment loans carry a fixed rate of interest with principal repayment terms typically ranging from one to ten years, based upon the nature of the collateral and the size of the loan. Consumer installment loans are often secured with collateral consisting of a perfected lien on the asset being purchased or a perfected lien on a consumer's deposit account. Risk is reduced through underwriting criteria, which include credit verification, appraisals, a review of the borrower's financial condition and personal cash flows. A security interest, with title insurance when necessary, is taken in the underlying real estate.

Residential Real Estate

Residential real estate loans consist primarily of loans secured by a first or second mortgage on primary residences. We originate adjustable-rate and fixed-rate, one-to-four-family residential real estate loans for the construction, purchase or refinancing of a mortgage. These loans are collateralized by properties located in the Company’s market area. When market conditions are favorable, for longer term, fixed-rate residential real estate mortgages without escrow, the Company retains the servicing, but sells the right to receive principal and interest to Government-sponsored enterprises. This practice allows the Company to manage interest rate risk, liquidity risk and credit risk. Loans on one-to-four-family residential real estate are generally originated in amounts of no more than 85% of the purchase price or appraised value (whichever is lower) or have private mortgage insurance. Mortgage title insurance and hazard insurance are normally required. Construction loans have a unique risk, because they are secured by an incomplete dwelling. This risk is reduced through periodic site inspections, including one at each loan draw period.

Allowance for Loan Loss Calculation

For purposes of evaluating the adequacy of the allowance, the Company considers a number of significant factors that affect the collectability of the portfolio. For individually impaired loans, these include estimates of impairment, if any, which reflect the facts and circumstances that affect the likelihood of repayment of such loans as of the evaluation date. For homogeneous pools of loans, estimates of the Company’s exposure to credit loss reflect a current assessment of a number of factors, which could affect collectability. These factors include: past loss experience, size, trend, composition and nature of loans; changes in lending policies and procedures, including underwriting standards and collection, charge-offs and recoveries; trends experienced in nonperforming and delinquent loans; current economic conditions in the Company’s market; portfolio concentrations that may affect loss experienced across one or more components of the portfolio; the effect of external factors such as competition, legal and regulatory requirements; and the experience, ability and depth of lending management and staff. In addition, various regulatory agencies, as an integral component of their examination process, periodically review the Company’s allowance for loan losses. Such agencies may require the Company to make loan grade changes as well as recognize additions to the allowance based on their examinations.

After a thorough consideration of the factors discussed above, any required additions or reductions to the allowance for loan losses are made periodically by charges or credits to the provision for loan losses. These charges are necessary to maintain the allowance at a level that management believes is reflective of overall level of incurred loss in the portfolio. While management uses available information to recognize losses on loans, additions and reductions of the allowance may fluctuate from one reporting period to another. These fluctuations are reflective of changes in risk associated with portfolio content or changes in management’s assessment of any or all of the determining factors discussed above.

The following tables illustrate the changes in the allowance for loan losses by our portfolio segments:

(In thousands)	Commercial Loans			Consumer Loans			Residential Real Estate			Total
Balance as of June 30, 2019	$	33,152		$	36,534		$	2,479		$	72,165
Charge-offs		(865	)		(6,976	)		(174	)		(8,015	)
Recoveries		132			1,746			13			1,891
Provision		1,021			5,031			272			6,324
Ending Balance as of September 30, 2019	$	33,440		$	36,335		$	2,590		$	72,365

Balance as of June 30, 2018	$	31,059		$	36,479		$	4,912		$	72,450
Charge-offs		(823	)		(6,818	)		(123	)		(7,764	)
Recoveries		410			1,602			81			2,093
Provision		1,086			6,044			(1,104	)		6,026
Ending Balance as of September 30, 2018	$	31,732		$	37,307		$	3,766		$	72,805

(In thousands)	Commercial Loans			Consumer Loans			Residential Real Estate			Total
Balance as of December 31, 2018	$	32,759		$	37,178		$	2,568		$	72,505
Charge-offs		(2,783	)		(21,336	)		(782	)		(24,901	)
Recoveries		344			4,887			122			5,353
Provision		3,120			15,606			682			19,408
Ending Balance as of September 30, 2019	$	33,440		$	36,335		$	2,590		$	72,365

Balance as of December 31, 2017	$	27,606		$	36,830		$	5,064		$	69,500
Charge-offs		(2,535	)		(21,947	)		(513	)		(24,995	)
Recoveries		780			4,946			274			6,000
Provision		5,881			17,478			(1,059	)		22,300
Ending Balance as of September 30, 2018	$	31,732		$	37,307		$	3,766		$	72,805

For acquired loans, to the extent that we experience deterioration in borrower credit quality resulting in a decrease in our expected cash flows subsequent to the acquisition of the loans, an allowance for loan losses is established based on our estimate of incurred losses at the balance sheet date. There was no allowance for loan losses for the acquired loan portfolio as of September 30, 2019 and December 31, 2018. There were no net charge-offs related to acquired loans during the three months ended September 30, 2019 and 2018, and approximately $0.1 million during the nine months ended September 30, 2019 and 2018, which are included in the table above.

The following tables illustrate the allowance for loan losses and the recorded investment by portfolio segments:

(In thousands)	Commercial Loans		Consumer Loans		Residential Real Estate		Total
As of September 30, 2019
Allowance for loan losses	$	33,440	$	36,335	$	2,590	$	72,365
Allowance for loans individually evaluated for impairment		-		-		-		-
Allowance for loans collectively evaluated for impairment	$	33,440	$	36,335	$	2,590	$	72,365
Ending balance of loans	$	3,351,201	$	2,245,688	$	1,416,920	$	7,013,809
Ending balance of originated loans individually evaluated for impairment		3,117		7,267		7,673		18,057
Ending balance of acquired loans collectively evaluated for impairment		132,811		25,421		131,457		289,689
Ending balance of originated loans collectively evaluated for impairment	$	3,215,273	$	2,213,000	$	1,277,790	$	6,706,063

As of December 31, 2018
Allowance for loan losses	$	32,759	$	37,178	$	2,568	$	72,505
Allowance for loans individually evaluated for impairment		25		-		-		25
Allowance for loans collectively evaluated for impairment	$	32,734	$	37,178	$	2,568	$	72,480
Ending balance of loans	$	3,222,310	$	2,284,563	$	1,380,836	$	6,887,709
Ending balance of originated loans individually evaluated for impairment		5,786		7,887		6,905		20,578
Ending balance of acquired loans collectively evaluated for impairment		143,690		31,624		147,277		322,591
Ending balance of originated loans collectively evaluated for impairment	$	3,072,834	$	2,245,052	$	1,226,654	$	6,544,540

Credit Quality of Loans

For all loan classes within the Company’s loan portfolio, loans are placed on nonaccrual status when timely collection of principal and/or interest in accordance with contractual terms is in doubt. Loans are transferred to nonaccrual status generally when principal or interest payments become ninety days delinquent, unless the loan is well secured and in the process of collection or sooner when management concludes circumstances indicate that borrowers may be unable to meet contractual principal or interest payments. When a loan is transferred to a nonaccrual status, all interest previously accrued in the current period but not collected is reversed against interest income in that period. Interest accrued in a prior period and not collected is charged-off against the allowance for loan losses.

If ultimate repayment of a nonaccrual loan is expected, any payments received are applied in accordance with contractual terms. If ultimate repayment of principal is not expected, any payment received on a nonaccrual loan is applied to principal until ultimate repayment becomes expected. For all loan classes within the Company’s loan portfolio, nonaccrual loans are returned to accrual status when they become current as to principal and interest and demonstrate a period of performance under the contractual terms and, in the opinion of management, are fully collectible as to principal and interest. For loans in all portfolios, the principal amount is charged off in full or in part as soon as management determines, based on available facts, that the collection of principal in full or in part is improbable. For Commercial loans, management considers specific facts and circumstances relative to individual credits in making such a determination. For Consumer and Residential Real Estate loan classes, management uses specific guidance and thresholds from the Federal Financial Institutions Examination Council’s Uniform Retail Credit Classification and Account Management Policy.

The following tables set forth information with regard to past due and nonperforming loans by loan class:

(In thousands)	31-60 Days Past Due Accruing		61-90 Days Past Due Accruing		Greater Than 90 Days Past Due Accruing		Total Past Due Accruing		Nonaccrual		Current		Recorded Total Loans
As of September 30, 2019
Originated
Commercial Loans:
C&I	$	505	$	-	$	-	$	505	$	729	$	836,593	$	837,827
CRE		3,646		-		4,839		8,485		4,664		1,832,708		1,845,857
Business Banking		2,118		313		67		2,498		6,524		525,684		534,706
Total Commercial Loans	$	6,269	$	313	$	4,906	$	11,488	$	11,917	$	3,194,985	$	3,218,390
Consumer Loans:
Dealer Finance	$	11,167	$	1,965	$	1,094	$	14,226	$	2,241	$	1,179,316	$	1,195,783
Specialty Lending		3,681		1,655		1,568		6,904		-		521,601		528,505
Direct		1,778		1,090		208		3,076		2,553		490,350		495,979
Total Consumer Loans	$	16,626	$	4,710	$	2,870	$	24,206	$	4,794	$	2,191,267	$	2,220,267
Residential Real Estate	$	1,582	$	100	$	500	$	2,182	$	6,311	$	1,276,970	$	1,285,463
Total Originated Loans	$	24,477	$	5,123	$	8,276	$	37,876	$	23,022	$	6,663,222	$	6,724,120

Acquired
Commercial Loans:
C&I	$	-	$	-	$	-	$	-	$	-	$	28,823	$	28,823
CRE		-		-		-		-		-		67,853		67,853
Business Banking		445		-		-		445		366		35,324		36,135
Total Commercial Loans	$	445	$	-	$	-	$	445	$	366	$	132,000	$	132,811
Consumer Loans:
Direct	$	276	$	43	$	-	$	319	$	131	$	24,971	$	25,421
Total Consumer Loans	$	276	$	43	$	-	$	319	$	131	$	24,971	$	25,421
Residential Real Estate	$	1,102	$	-	$	66	$	1,168	$	1,104	$	129,185	$	131,457
Total Acquired Loans	$	1,823	$	43	$	66	$	1,932	$	1,601	$	286,156	$	289,689

Total Loans	$	26,300	$	5,166	$	8,342	$	39,808	$	24,623	$	6,949,378	$	7,013,809

(In thousands)	31-60 Days Past Due Accruing		61-90 Days Past Due Accruing		Greater Than 90 Days Past Due Accruing		Total Past Due Accruing		Nonaccrual		Current		Recorded Total Loans
As of December 31, 2018
Originated
Commercial Loans:
C&I	$	909	$	-	$	-	$	909	$	1,062	$	846,148	$	848,119
CRE		1,089		-		588		1,677		4,995		1,734,558		1,741,230
Business Banking		1,092		302		-		1,394		5,974		481,903		489,271
Total Commercial Loans	$	3,090	$	302	$	588	$	3,980	$	12,031	$	3,062,609	$	3,078,620
Consumer Loans:
Dealer Finance	$	14,519	$	2,300	$	1,186	$	18,005	$	1,971	$	1,196,136	$	1,216,112
Specialty Lending		3,479		1,773		1,562		6,814		-		518,114		524,928
Direct		2,962		1,437		552		4,951		2,592		504,356		511,899
Total Consumer Loans	$	20,960	$	5,510	$	3,300	$	29,770	$	4,563	$	2,218,606	$	2,252,939
Residential Real Estate	$	1,426	$	157	$	1,182	$	2,765	$	6,778	$	1,224,016	$	1,233,559
Total Originated Loans	$	25,476	$	5,969	$	5,070	$	36,515	$	23,372	$	6,505,231	$	6,565,118

Acquired
Commercial Loans:
C&I	$	-	$	-	$	-	$	-	$	-	$	26,124	$	26,124
CRE		-		-		-		-		-		84,492		84,492
Business Banking		466		288		-		754		390		31,930		33,074
Total Commercial Loans	$	466	$	288	$	-	$	754	$	390	$	142,546	$	143,690
Consumer Loans:
Dealer Finance	$	1	$	1	$	-	$	2	$	-	$	30	$	32
Direct		152		41		15		208		227		31,157		31,592
Total Consumer Loans	$	153	$	42	$	15	$	210	$	227	$	31,187	$	31,624
Residential Real Estate	$	546	$	42	$	-	$	588	$	1,498	$	145,191	$	147,277
Total Acquired Loans	$	1,165	$	372	$	15	$	1,552	$	2,115	$	318,924	$	322,591

Total Loans	$	26,641	$	6,341	$	5,085	$	38,067	$	25,487	$	6,824,155	$	6,887,709

There were no material commitments to extend further credit to borrowers with nonperforming loans as of September 30, 2019 and December 31, 2018.

Impaired Loans

The methodology used to establish the allowance for loan losses on impaired loans incorporates specific allocations on loans analyzed individually. Classified loans, including all troubled debt restructured loans (“TDRs”) and nonaccrual Commercial loans that are graded Substandard, Doubtful or Loss, with outstanding balances of $1.0 million or more are evaluated for impairment through the Company’s quarterly status review process. The Company considers Commercial loans less than $1.0 million to be homogeneous loans. In the third quarter of 2019 the threshold for evaluating loans for impairment was increased from $750 thousand. In determining that we will be unable to collect all principal and/or interest payments due in accordance with the contractual terms of the loan agreements, we consider factors such as payment history and changes in the financial condition of individual borrowers, local economic conditions, historical loss experience and the conditions of the various markets in which the collateral may be liquidated. For loans that are identified as impaired, impairment is measured by one of three methods: 1) the fair value of collateral less cost to sell, 2) present value of expected future cash flows or 3) the loan’s observable market price. These impaired loans are reviewed on a quarterly basis for changes in the level of impairment. Impaired amounts are charged off immediately if such amounts are determined by management to be uncollectable. Any change to the previously recognized impairment loss is recognized as a component of the provision for loan losses.

The following table provides information on loans specifically evaluated for impairment:

	September 30, 2019						December 31, 2018
(In thousands)	Recorded Investment Balance (Book)		Unpaid Principal Balance (Legal)		Related Allowance		Recorded Investment Balance (Book)		Unpaid Principal Balance (Legal)		Related Allowance
Originated
With no related allowance recorded:
Commercial Loans:
C&I	$	78	$	304	$		$	228	$	497	$
CRE		2,046		2,046				4,312		6,330
Business Banking		993		1,412				1,013		2,001
Total Commercial Loans	$	3,117	$	3,762			$	5,553	$	8,828
Consumer Loans:
Dealer Finance	$	194	$	279			$	143	$	241
Direct		7,073		8,464				7,744		9,831
Total Consumer Loans	$	7,267	$	8,743			$	7,887	$	10,072
Residential Real Estate	$	7,673	$	9,620			$	6,905	$	9,414
Total	$	18,057	$	22,125			$	20,345	$	28,314

With an allowance recorded:
Commercial Loans:
C&I	$	-	$	-	$	-	$	233	$	238	$	25
Total Commercial Loans	$	-	$	-	$	-	$	233	$	238	$	25

Total Loans	$	18,057	$	22,125	$	-	$	20,578	$	28,552	$	25

There were no acquired impaired loans specifically evaluated for impairment as of September 30, 2019 or December 31, 2018.

The following tables summarize the average recorded investments on loans specifically evaluated for impairment and the interest income recognized:

	For the Three Months Ended
	September 30, 2019				September 30, 2018
(In thousands)	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
Originated
Commercial Loans:
C&I	$	115	$	-	$	433	$	-
CRE		2,554		30		3,645		32
Business Banking		1,002		7		1,024		4
Total Commercial Loans	$	3,671	$	37	$	5,102	$	36
Consumer Loans:
Dealer Finance	$	213	$	3	$	177	$	4
Direct		7,293		95		7,730		102
Total Consumer Loans	$	7,506	$	98	$	7,907	$	106
Residential Real Estate	$	7,629	$	93	$	6,519	$	68
Total Originated	$	18,806	$	228	$	19,528	$	210

Total Loans	$	18,806	$	228	$	19,528	$	210

	For the Nine Months Ended
	September 30, 2019				September 30, 2018
(In thousands)	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
Originated
Commercial Loans:
C&I	$	291	$	1	$	449	$	1
CRE		3,577		91		3,999		96
Business Banking		1,111		18		998		12
Total Commercial Loans	$	4,979	$	110	$	5,446	$	109
Consumer Loans:
Dealer Finance	$	201	$	9	$	187	$	8
Direct		7,518		291		7,953		317
Total Consumer Loans	$	7,719	$	300	$	8,140	$	325
Residential Real Estate	$	7,428	$	252	$	6,719	$	212
Total Originated	$	20,126	$	662	$	20,305	$	646

Total Loans	$	20,126	$	662	$	20,305	$	646

Credit Quality Indicators

The Company has developed an internal loan grading system to evaluate and quantify the Company’s loan portfolio with respect to quality and risk. The system focuses on, among other things, financial strength of borrowers, experience and depth of borrower’s management, primary and secondary sources of repayment, payment history, nature of the business and outlook on particular industries. The internal grading system enables the Company to monitor the quality of the entire loan portfolio on a consistent basis and provides management with an early warning system, enabling recognition and response to problem loans and potential problem loans.

Commercial Grading System

For C&I and CRE loans, the Company uses a grading system that relies on quantifiable and measurable characteristics when available. This would include comparison of financial strength to available industry averages, comparison of transaction factors (loan terms and conditions) to loan policy and comparison of credit history to stated repayment terms and industry averages. Some grading factors are necessarily more subjective such as economic and industry factors, regulatory environment and management. C&I and CRE loans are graded Doubtful, Substandard, Special Mention and Pass.

●

Doubtful

A Doubtful loan has a high probability of total or substantial loss, but because of specific pending events that may strengthen the asset, its classification as a loss is deferred. Doubtful borrowers are usually in default, lack adequate liquidity or capital and lack the resources necessary to remain an operating entity. Pending events can include mergers, acquisitions, liquidations, capital injections, the perfection of liens on additional collateral, the valuation of collateral and refinancing. Generally, pending events should be resolved within a relatively short period and the ratings will be adjusted based on the new information. Nonaccrual treatment is required for Doubtful assets because of the high probability of loss.

●

Substandard

Substandard loans have a high probability of payment default or they have other well-defined weaknesses. They require more intensive supervision by bank management. Substandard loans are generally characterized by current or expected unprofitable operations, inadequate debt service coverage, inadequate liquidity or marginal capitalization. Repayment may depend on collateral or other credit risk mitigants. For some Substandard loans, the likelihood of full collection of interest and principal may be in doubt and those loans should be placed on nonaccrual. Although Substandard assets in the aggregate will have a distinct potential for loss, an individual asset’s loss potential does not have to be distinct for the asset to be rated Substandard.

●

Special Mention

Special Mention loans have potential weaknesses that may, if not checked or corrected, weaken the asset or inadequately protect the Company’s position at some future date. These loans pose elevated risk, but their weakness does not yet justify a Substandard classification. Borrowers may be experiencing adverse operating trends (i.e., declining revenues or margins) or may be struggling with an ill-proportioned balance sheet (i.e., increasing inventory without an increase in sales, high leverage, tight liquidity). Adverse economic or market conditions, such as interest rate increases or the entry of a new competitor, may also support a Special Mention rating. Although a Special Mention loan has a higher probability of default than a Pass asset, its default is not imminent.

● Pass

Loans graded as Pass encompass all loans not graded as Doubtful, Substandard or Special Mention. Pass loans are in compliance with loan covenants and payments are generally made as agreed. Pass loans range from superior quality to fair quality.

Business Banking Grading System

Business Banking loans are graded as either Classified or Non-classified:

●

Classified

Classified loans are inadequately protected by the current worth and paying capacity of the obligor or, if applicable, the collateral pledged. These loans have a well-defined weakness or weaknesses, that jeopardize the liquidation of the debt or in some cases make collection or liquidation in full, on the basis of currently existing facts, conditions and values, highly questionable and improbable. They are characterized by the distinct possibility that the Company will sustain some loss if the deficiencies are not corrected. Classified loans have a high probability of payment default or total substantial loss. These loans require more intensive supervision by management and are generally characterized by current or expected unprofitable operations, inadequate debt service coverage, inadequate liquidity or marginal capitalization. Repayment may depend on collateral or other credit risk mitigants. Classified loans where the full collection of interest and principal is in doubt are considered to have a nonaccrual status. In some cases, Classified loans are considered uncollectable and of such little value that their continuance as assets is not warranted.

●

Non-classified

Loans graded as Non-classified encompass all loans not graded as Classified. Payments on non-classified loans are generally made as agreed.

Consumer and Residential Real Estate Grading System

Consumer and Residential Real Estate loans are graded as either Nonperforming or Performing.

●

Nonperforming

Nonperforming loans are loans that are 1) over 90 days past due and interest is still accruing or 2) on nonaccrual status.

●

Performing

All loans not meeting any of these criteria are considered Performing.

The following tables illustrate the Company’s credit quality by loan class:

(In thousands)	As of September 30, 2019
Originated
Commercial Credit Exposure By Internally Assigned Grade:	C&I		CRE		Total
Pass	$	771,776	$	1,762,016	$	2,533,792
Special Mention		32,992		39,368		72,360
Substandard		33,059		44,473		77,532
Total	$	837,827	$	1,845,857	$	2,683,684

Business Banking Credit Exposure By Internally Assigned Grade:	Business Banking		Total
Non-classified	$	520,830	$	520,830
Classified		13,876		13,876
Total	$	534,706	$	534,706

Consumer Credit Exposure By Payment Activity:	Dealer Finance		Specialty Lending		Direct		Total
Performing	$	1,192,448	$	526,937	$	493,218	$	2,212,603
Nonperforming		3,335		1,568		2,761		7,664
Total	$	1,195,783	$	528,505	$	495,979	$	2,220,267

Residential Real Estate Credit Exposure By Payment Activity:	Residential Real Estate		Total
Performing	$	1,278,652	$	1,278,652
Nonperforming		6,811		6,811
Total	$	1,285,463	$	1,285,463

Acquired
Commercial Credit Exposure
By Internally Assigned Grade:	C&I		CRE		Total
Pass	$	21,781	$	67,441	$	89,222
Special Mention		2,860		-		2,860
Substandard		4,182		412		4,594
Total	$	28,823	$	67,853	$	96,676

Business Banking Credit Exposure By Internally Assigned Grade:	Business Banking		Total
Non-classified	$	33,499	$	33,499
Classified		2,636		2,636
Total	$	36,135	$	36,135

Consumer Credit Exposure
By Payment Activity:	Direct		Total
Performing	$	25,290	$	25,290
Nonperforming		131		131
Total	$	25,421	$	25,421

Residential Real Estate Credit Exposure By Payment Activity:	Residential Real Estate		Total
Performing	$	130,287	$	130,287
Nonperforming		1,170		1,170
Total	$	131,457		131,457

(In thousands)	As of December 31, 2018
Originated
Commercial Credit Exposure
By Internally Assigned Grade:	C&I		CRE		Total
Pass	$	796,778	$	1,681,330	$	2,478,108
Special Mention		11,348		13,894		25,242
Substandard		39,993		46,006		85,999
Total	$	848,119	$	1,741,230	$	2,589,349

Business Banking Credit Exposure By Internally Assigned Grade:	Business Banking		Total
Non-classified	$	476,052	$	476,052
Classified		13,219		13,219
Total	$	489,271	$	489,271

Consumer Credit Exposure By Payment Activity:	Dealer Finance		Specialty Lending		Direct		Total
Performing	$	1,212,955	$	523,366	$	508,755	$	2,245,076
Nonperforming		3,157		1,562		3,144		7,863
Total	$	1,216,112	$	524,928	$	511,899	$	2,252,939

Residential Real Estate Credit Exposure By Payment Activity:	Residential Real Estate		Total
Performing	$	1,225,599	$	1,225,599
Nonperforming		7,960		7,960
Total	$	1,233,559	$	1,233,559

Acquired
Commercial Credit Exposure
By Internally Assigned Grade:	C&I		CRE		Total
Pass	$	23,283	$	83,762	$	107,045
Special Mention		2,831		92		2,923
Substandard		10		638		648
Total	$	26,124	$	84,492	$	110,616

Business Banking Credit Exposure By Internally Assigned Grade:	Business Banking		Total
Non-classified	$	29,945	$	29,945
Classified		3,129		3,129
Total	$	33,074	$	33,074

Consumer Credit Exposure By Payment Activity:	Dealer Finance		Direct		Total
Performing	$	32	$	31,350	$	31,382
Nonperforming		-		242		242
Total	$	32	$	31,592	$	31,624

Residential Real Estate Credit Exposure By Payment Activity:	Residential Real Estate		Total
Performing	$	145,779	$	145,779
Nonperforming		1,498		1,498
Total	$	147,277	$	147,277

Troubled Debt Restructured Loans

When the Company modifies a loan in a troubled debt restructuring, such modifications generally include one or a combination of the following: an extension of the maturity date at a stated rate of interest lower than the current market rate for new debt with similar risk; temporary reduction in the interest rate; or change in scheduled payment amount. Residential Real Estate and Consumer TDRs occurring during 2019 and 2018 were due to the reduction in the interest rate or extension of the term. Commercial TDRs during 2019 and 2018 were both a reduction of the interest rate or change in terms.

When the Company modifies a loan in a troubled debt restructuring, management measures for impairment, if any, based on the present value of the expected future cash flows, discounted at the contractual interest rate of the original loan agreement, except when the sole (remaining) source of repayment for the loan is the operation or liquidation of the collateral. In these cases, management uses the current fair value of the collateral, less selling costs. If management determines that the value of the modified loan is less than the recorded investment in the loan an impairment charge would be recognized.

The following tables illustrate the recorded investment and number of modifications for modified loans, including the recorded investment in the loans prior to a modification and the recorded investment in the loans after restructuring:

	Three Months Ended September 30, 2019						Three Months Ended September 30, 2018
(Dollars in thousands)	Number of Contracts		Pre- Modification Outstanding Recorded Investment		Post- Modification Outstanding Recorded Investment		Number of Contracts		Pre- Modification Outstanding Recorded Investment		Post- Modification Outstanding Recorded Investment
Consumer Loans:
Dealer Finance		-	$	-	$	-		8	$	90	$	89
Direct		1		30		37		-		-		-
Total Consumer Loans		1	$	30	$	37		8	$	90	$	89
Residential Real Estate		2	$	186	$	203		-	$	-	$	-
Total Troubled Debt Restructurings		3	$	216	$	240		8	$	90	$	89

	Nine Months Ended September 30, 2019						Nine Months Ended September 30, 2018
(Dollars in thousands)	Number of Contracts		Pre- Modification Outstanding Recorded Investment		Post- Modification Outstanding Recorded Investment		Number of Contracts		Pre- Modification Outstanding Recorded Investment		Post- Modification Outstanding Recorded Investment
Commercial Loans:
C&I		1	$	65	$	65		-	$	-	$	-
Business Banking		2		388		388		3		369		371
Total Commercial Loans		3	$	453	$	453		3	$	369	$	371
Consumer Loans:
Dealer Finance		9	$	134	$	134		15	$	185	$	183
Direct		9		418		434		2		41		41
Total Consumer Loans		18	$	552	$	568		17	$	226	$	224
Residential Real Estate		10	$	942	$	990		5	$	323	$	323
Total Troubled Debt Restructurings		31	$	1,947	$	2,011		25	$	918	$	918

The following tables illustrate the recorded investment and number of modifications for TDRs where a concession has been made and subsequently defaulted during the period:

	Three Months Ended September 30, 2019				Three Months Ended September 30, 2018
(Dollars in thousands)	Number of Contracts		Recorded Investment		Number of Contracts		Recorded Investment
Consumer Loans:
Dealer Finance		1	$	10		-	$	-
Direct		9		332		17		816
Total Consumer Loans		10	$	342		17	$	816
Residential Real Estate		9	$	572		5	$	398
Total Troubled Debt Restructurings		19	$	914		22	$	1,214

	Nine Months Ended September 30, 2019				Nine Months Ended September 30, 2018
(Dollars in thousands)	Number of Contracts		Recorded Investment		Number of Contracts		Recorded Investment
Commercial Loans:
Business Banking		-	$	-		2	$	258
Total Commercial Loans		-	$	-		2	$	258
Consumer Loans:
Dealer Finance		2	$	17		-	$	-
Direct		24		1,109		35		1,740
Total Consumer Loans		26	$	1,126		35	$	1,740
Residential Real Estate		19	$	1,087		17	$	1,239
Total Troubled Debt Restructurings		45	$	2,213		54	$	3,237

Leases

9 Months Ended

Sep. 30, 2019

Leases [Abstract]

Leases

5. Leases

Operating leases in which we are the lessee are recorded as operating lease right of use (“ROU”) assets and operating lease liabilities, included in other assets and other liabilities, respectively, on the unaudited interim consolidated balance sheets. The Company does not have any significant finance leases in which we are the lessee as of September 30, 2019 and December 31, 2018.

Operating lease ROU assets represent the Company’s right to use an underlying asset during the lease term and operating lease liabilities represent our obligation to make lease payments arising from the lease. ROU assets and operating lease liabilities are recognized at lease commencement based on the present value of the remaining lease payments using a discount rate that represents the Company’s incremental borrowing rate at the lease commencement date. ROU assets are further adjusted for lease incentives. Operating lease expense, which is comprised of amortization of the ROU asset and the implicit interest accreted on the operating lease liability, is recognized on a straight-line basis over the lease term, and is recorded in occupancy expense in the unaudited interim consolidated statements of income.

We have made a policy election to exclude the recognition requirements to all classes of leases with original terms of 12 months or less. Instead, the short-term lease payments are recognized in profit or loss on a straight-line basis over the lease term.

The Company has lease agreements with lease and non-lease components, which are generally accounted for separately. For real estate leases, non-lease components and other non-components, such as common area maintenance charges, real estate taxes and insurance are not included in the measurement of the lease liability since they are generally able to be segregated.

Our leases relate primarily to office space and bank branches, and some contain options to renew the lease. These options to renew are generally not considered reasonably certain to exercise, and are therefore not included in the lease term until such time that the option to renew is reasonably certain. As of September 30, 2019, operating lease ROU assets and liabilities were $34.3 million and $36.8 million, respectively.

The table below summarizes our net lease cost:

(In thousands)	Three Months Ended September 30, 2019			Nine Months Ended September 30, 2019
Operating lease cost	$	1,806		$	5,396
Variable lease cost		524			1,782
Short-term lease cost		86			263
Sublease income		(119	)		(332	)
Total operating lease cost	$	2,297		$	7,109

(In thousands)
2019	$	1,807
2020		7,179
2021		6,429
2022		5,590
2023		4,751
Thereafter		15,892
Total lease payments	$	41,648
Less: interest		(4,878	)
Present value of lease liabilities	$	36,770

The following table shows the weighted average remaining operating lease term, the weighted average discount rate and supplemental information on the unaudited interim consolidated statements of cash flows for operating leases:

(In thousands except for percent and period data)	September 30, 2019
Weighted average remaining lease term, in years		7.71
Weighted average discount rate		3.03	%
Cash paid for amounts included in the measurement of lease liabilities:
Operating cash flows from operating leases	$	4,652
ROU assets obtained in exchange for lease liabilities		38,958

As of September 30, 2019 there are no new significant leases that have not yet commenced.

The following table shows the future minimum rental payments related to non-cancelable operating leases with original terms of one year or more as of December 31, 2018.

(In thousands)
2019	$	6,890
2020		6,467
2021		5,613
2022		4,773
2023		3,972
Thereafter		13,869
Total	$	41,584

Defined Benefit Post-Retirement Plans

9 Months Ended

Sep. 30, 2019

Defined Benefit Post-Retirement Plans [Abstract]

Defined Benefit Post-Retirement Plans

6. Defined Benefit Post-Retirement Plans

The Company has a qualified, noncontributory, defined benefit pension plan (“the Plan”) covering substantially all of its employees at September 30, 2019. Benefits paid from the plan are based on age, years of service, compensation, and social security benefits and are determined in accordance with defined formulas. The Company’s policy is to fund the Plan in accordance with Employee Retirement Income Security Act of 1974 standards. Assets of the Plan are invested in publicly traded stocks and mutual funds.

In addition to the Plan, the Company provides supplemental employee retirement plans to certain current and former executives. The Company also assumed supplemental retirement plans for former executives of Alliance Financial Corporation (“Alliance”) when the Company acquired Alliance.

These supplemental employee retirement plans and the Plan are collectively referred to herein as “Pension Benefits.”

In addition, the Company provides certain health care benefits for retired employees. Benefits were accrued over the employees’ active service period. Only employees that were employed by the Company on or before January 1, 2000 are eligible to receive post-retirement health care benefits. In addition, the Company assumed post-retirement medical life insurance benefits for certain Alliance employees, retirees and their spouses, if applicable, in the Alliance acquisition. These post-retirement benefits are referred to herein as “Other Benefits.”

The Company made no voluntary contributions to the pension and other benefits plans during the three and nine months ended September 30, 2019 and 2018.

The components of expense for Pension Benefits and Other Benefits are set forth below:

	Pension Benefits						Other Benefits
	Three Months Ended September 30,						Three Months Ended September 30,
(In thousands)	2019			2018			2019		2018
Components of net periodic cost (benefit):
Service cost	$	431		$	415		$	1	$	3
Interest cost		986			912			67		82
Expected return on plan assets		(1,869	)		(2,119	)		-		-
Net amortization		658			242			14		44
Total net periodic cost (benefit)	$	206		$	(550	)	$	82	$	129

	Pension Benefits						Other Benefits
	Nine Months Ended September 30,						Nine Months Ended September 30,
(In thousands)	2019			2018			2019		2018
Components of net periodic cost (benefit):
Service cost	$	1,301		$	1,256		$	5	$	8
Interest cost		2,948			2,752			229		245
Expected return on plan assets		(5,615	)		(6,364	)		-		-
Net amortization		1,936			745			49		131
Total net periodic cost (benefit)	$	570		$	(1,611	)	$	283	$	384

The service cost component of the net periodic cost (benefit) is included in Salaries and Employee Benefits and the interest cost, expected return on plan assets and net amortization components are included in Other Noninterest Expense on the unaudited interim consolidated statements of income.

Earnings Per Share

9 Months Ended

Sep. 30, 2019

Earnings Per Share [Abstract]

Earnings Per Share

7. Earnings Per Share

Basic earnings per share (“EPS”) excludes dilution and is computed by dividing income available to common stockholders by the weighted average number of common shares outstanding for the period. Diluted EPS reflects the potential dilution that could occur if securities or other contracts to issue common stock were exercised or converted into common stock or resulted in the issuance of common stock that then shared in the earnings of the entity (such as the Company’s dilutive stock options and restricted stock units).

The following is a reconciliation of basic and diluted EPS for the periods presented in the unaudited interim consolidated statements of income:

	Three Months Ended September 30,
(In thousands, except per share data)	2019		2018
Basic EPS:
Weighted average common shares outstanding		43,825		43,714
Net income available to common stockholders	$	32,379	$	29,807
Basic EPS	$	0.74	$	0.68

Diluted EPS:
Weighted average common shares outstanding		43,825		43,714
Dilutive effect of common stock options and restricted stock		313		337
Weighted average common shares and common share equivalents		44,138		44,051
Net income available to common stockholders	$	32,379	$	29,807
Diluted EPS	$	0.73	$	0.68

	Nine Months Ended September 30,
(In thousands, except per share data)	2019		2018
Basic EPS:
Weighted average common shares outstanding		43,806		43,692
Net income available to common stockholders	$	92,061	$	83,914
Basic EPS	$	2.10	$	1.92

Diluted EPS:
Weighted average common shares outstanding		43,806		43,692
Dilutive effect of common stock options and restricted stock		302		317
Weighted average common shares and common share equivalents		44,108		44,009
Net income available to common stockholders	$	92,061	$	83,914
Diluted EPS	$	2.09	$	1.91

There were 1,500 stock options for the quarters ended September 30, 2019 and September 30, 2018, that were not considered in the calculation of diluted EPS since the stock options’ exercise price was greater than the average market price during these periods.

There were 1,500 stock options for the nine months ended September 30, 2019 and September 30, 2018, that were not considered in the calculation of diluted EPS since the stock options’ exercise price was greater than the average market price during these periods.

Reclassification Adjustments Out of Other Comprehensive Income (Loss)

9 Months Ended

Sep. 30, 2019

Reclassification Adjustments Out of Other Comprehensive Income (Loss) [Abstract]

Reclassification Adjustments Out of Other Comprehensive Income (Loss)

8. Reclassification Adjustments Out of Other Comprehensive Income (Loss)

The following table summarizes the reclassification adjustments out of accumulated other comprehensive income (loss) (“AOCI”):

Detail About AOCI Components	Amount Reclassified From AOCI						Affected Line Item in the Consolidated Statement of Comprehensive Income (Loss)
	Three Months Ended
(In thousands)	September 30, 2019			September 30, 2018
AFS securities:
Gains on AFS securities	$	(20	)	$	-		Net securities gains
Amortization of unrealized gains related to securities transfer		190			168		Interest income
Tax effect	$	(42	)	$	(42	)	Income tax (benefit)
Net of tax	$	128		$	126

Cash flow hedges:
Net unrealized (gains) on cash flow hedges reclassified to interest expense	$	(395	)	$	(638	)	Interest expense
Tax effect	$	98		$	159		Income tax expense
Net of tax	$	(297	)	$	(479	)

Pension and other benefits:
Amortization of net losses	$	649		$	263		Other noninterest expense
Amortization of prior service costs		23			23		Other noninterest expense
Tax effect	$	(168	)	$	(71	)	Income tax (benefit)
Net of tax	$	504		$	215

Total reclassifications, net of tax	$	335		$	(138	)

Detail About AOCI Components	Amount Reclassified From AOCI						Affected Line item in the Consolidated Statement of Comprehensive Income (Loss)
	Nine Months Ended
(In thousands)	September 30, 2019			September 30, 2018
AFS securities:
Losses on AFS securities	$	79		$	-		Net securities gains
Amortization of unrealized gains related to securities transfer		556			533		Interest income
Tax effect	$	(159	)	$	(133	)	Income tax (benefit)
Net of tax	$	476		$	400

Cash flow hedges:
Net unrealized (gains) on cash flow hedges reclassified to interest expense	$	(1,932	)	$	(1,537	)	Interest expense
Tax effect	$	483		$	384		Income tax expense
Net of tax	$	(1,449	)	$	(1,153	)

Pension and other benefits:
Amortization of net losses	$	1,916		$	809		Other noninterest expense
Amortization of prior service costs		69			67		Other noninterest expense
Tax effect	$	(496	)	$	(219	)	Income tax (benefit)
Net of tax	$	1,489		$	657

Total reclassifications, net of tax	$	516		$	(96	)

Derivative Instruments and Hedging Activities

9 Months Ended

Sep. 30, 2019

Derivative Instruments and Hedging Activities [Abstract]

Derivative Instruments and Hedging Activities

9. Derivative Instruments and Hedging Activities

The Company is exposed to certain risks arising from both its business operations and economic conditions. The Company principally manages its exposures to a wide variety of business and operational risks through management of its core business activities. The Company manages economic risks, including interest rate, primarily by managing the amount, sources and duration of its assets and liabilities and through the use of derivative instruments. Specifically, the Company enters into derivative financial instruments to manage exposures that arise from business activities that result in the receipt or payment of future known and uncertain cash amounts, the value of which are determined by interest rates. The Company’s derivative financial instruments are used to manage differences in the amount, timing and duration of the Company’s known or expected cash receipts and its known or expected cash payments principally related to certain fixed rate borrowings. The Company also has interest rate derivatives that result from a service provided to certain qualifying customers and, therefore, are not used to manage interest rate risk in the Company’s assets or liabilities. The Company manages a matched book with respect to its derivative instruments in order to minimize its net risk exposure resulting from such transactions.

Derivatives Not Designated as Hedging Instruments

The Company enters into interest rate swaps to facilitate customer transactions and meet their financing needs. These swaps are considered derivatives, but are not designated in hedging relationships. These instruments have interest rate and credit risk associated with them. To mitigate the interest rate risk, the Company enters into offsetting interest rate swaps with counterparties. The counterparty swaps are also considered derivatives and are also not designated in hedging relationships. Interest rate swaps are recorded within other assets or other liabilities on the consolidated balance sheet at their estimated fair value. Changes to the fair value of assets and liabilities arising from these derivatives are included, net, in other operating income in the consolidated statement of income.

As of September 30, 2019 the Company had ten risk participation agreements with financial institution counterparties for interest rate swaps related to participated loans. The fair values included in other assets and other liabilities on the unaudited interim consolidated balance sheet applicable to these agreements amount to $81 thousand and $116 thousand, respectively as of September 30, 2019. As of December 31, 2018 the Company had nine risk participation agreements, with the fair values included in other assets and other liabilities on the consolidated balance sheet of $36 thousand and $17 thousand, respectively. Risk participation agreements provide credit protection to the financial institution that originated the swap transaction should the borrower fail to perform on its obligation. The Company enters into both risk participation agreements in which it purchases credit protection from other financial institutions and those in which it provides credit protection to other financial institutions.

Derivatives Designated as Hedging Instruments

The Company has entered into interest rate swaps to modify the interest rate characteristics of certain short-term Federal Home Loan Bank (“FHLB”) advances from variable rate to fixed rate in order to reduce the impact of changes in future cash flows due to market interest rate changes. These agreements are designated as cash flow hedges.

The following table depicts the fair value adjustment recorded related to the notional amount of derivatives outstanding as well as the notional amount of risk participation agreements:

	September 30,		December 31,
(In thousands)	2019		2018
Derivatives Not Designated as Hedging Instruments:
Fair value adjustment included in other assets and other liabilities
Interest rate derivatives	$	52,925	$	17,572
Notional amount:
Interest rate derivatives		793,805		653,369
Risk participation agreements		72,496		70,785
Derivatives Designated as Hedging Instruments:
Fair value adjustment included in other assets
Interest rate derivatives		142		2,428
Fair value adjustment included in other liabilities
Interest rate derivatives		61		-
Notional amount:
Interest rate derivatives		100,000		225,000

For derivatives designated and that qualify as cash flow hedges of interest rate risk, the gain or loss on the derivative is recorded in AOCI and subsequently reclassified into interest expense in the same period during which the hedge transaction affects earnings. Amounts reported in AOCI related to derivatives will be reclassified to interest expense as interest payments are made on the Company’s short-term rate borrowings. During the next twelve months, the Company estimates that an additional $0.1 million will be reclassified from AOCI as a reduction to interest expense.

The following table indicates the effect of cash flow hedge accounting on AOCI and on the unaudited interim consolidated statement of income:

	Three Months Ended September 30,						Nine Months Ended September 30,
(In thousands)	2019			2018			2019			2018
Derivatives Designated as Hedging Instruments:
Interest rate derivatives - included component
Amount of (loss) or gain recognized in OCI	$	9		$	175		$	(475	)	$	1,647
Amount of (gain) reclassified from AOCI into interest expense		(395	)		(638	)		(1,932	)		(1,537	)

The following table indicates the gain or loss recognized in income on derivatives not designated as a hedging relationship:

	Three Months Ended September 30,						Nine Months Ended September 30,
(In thousands)	2019			2018			2019		2018
Derivatives Not Designated as Hedging Instruments:
(Decrease) increase in other income	$	(10	)	$	(13	)	$	96	$	110

Fair Value Measurements and Fair Value of Financial Instruments

9 Months Ended

Sep. 30, 2019

Fair Value Measurements and Fair Value of Financial Instruments [Abstract]

Fair Value Measurements and Fair Value of Financial Instruments

10. Fair Value Measurements and Fair Value of Financial Instruments

GAAP states that fair value is an exit price, representing the amount that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants. Fair value measurements are not adjusted for transaction costs. A fair value hierarchy exists within GAAP that prioritizes the inputs to valuation techniques used to measure fair value. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (Level 1 measurements) and the lowest priority to unobservable inputs (Level 3 measurements). The three levels of the fair value hierarchy are described below:

Level 1 - Unadjusted quoted prices in active markets that are accessible at the measurement date for identical, unrestricted assets or liabilities;

Level 2 - Quoted prices for similar assets or liabilities in active markets, quoted prices in markets that are not active or inputs that are observable, either directly or indirectly, for substantially the full term of the asset or liability;

Level 3 - Prices or valuation techniques that require inputs that are both significant to the fair value measurement and unobservable (i.e., supported by little or no market activity).

A financial instrument’s level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement.

The types of instruments valued based on quoted market prices in active markets include most U.S. government and agency securities, many other sovereign government obligations, liquid mortgage products, active listed equities and most money market securities. Such instruments are generally classified within Level 1 or Level 2 of the fair value hierarchy. The Company does not adjust the quoted prices for such instruments.

The types of instruments valued based on quoted prices in markets that are not active, broker or dealer quotations or alternative pricing sources with reasonable levels of price transparency include most investment-grade and high-yield corporate bonds, less liquid mortgage products, less liquid agency securities, less liquid listed equities, state, municipal and provincial obligations and certain physical commodities. Such instruments are generally classified within Level 2 of the fair value hierarchy. Certain common equity securities are reported at fair value utilizing Level 1 inputs (exchange quoted prices). Other investment securities are reported at fair value utilizing Level 1 and Level 2 inputs. The prices for Level 2 instruments are obtained through an independent pricing service or dealer market participants with whom the Company has historically transacted both purchases and sales of investment securities. Prices obtained from these sources include prices derived from market quotations and matrix pricing. The fair value measurements consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond’s terms and conditions, among other things. Management reviews the methodologies used in pricing the securities by its third party providers.

Level 3 is for positions that are not traded in active markets or are subject to transfer restrictions. Valuations are adjusted to reflect illiquidity and/or non-transferability and such adjustments are generally based on available market evidence. In the absence of such evidence, management’s best estimate will be used. Management’s best estimate consists of both internal and external support on certain Level 3 investments. Subsequent to inception, management only changes Level 3 inputs and assumptions when corroborated by evidence such as transactions in similar instruments, completed or pending third-party transactions in the underlying investment or comparable entities, subsequent rounds of financing, recapitalizations and other transactions across the capital structure, offerings in the equity or debt markets and changes in financial ratios or cash flows.

For the three and nine months ended September 30, 2019 the Company made no transfers of assets between the levels of the fair value hierarchy. For the year ended December 31, 2018, the Company made no transfer of assets from Level 1 to Level 2 and made a $4.0 million transfer from Level 2 to Level 1.

The following tables set forth the Company’s financial assets and liabilities measured on a recurring basis that were accounted for at fair value. Assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement:

(In thousands)	Level 1		Level 2		Level 3		September 30, 2019
Assets:
AFS securities:
Federal agency	$	-	$	29,831	$	-	$	29,831
State & municipal		-		9		-		9
Mortgage-backed		-		483,510		-		483,510
Collateralized mortgage obligations		-		418,823		-		418,823
Total AFS securities	$	-	$	932,173	$	-	$	932,173
Equity securities		22,818		4,000		-		26,818
Derivatives		-		53,148		-		53,148
Total	$	22,818	$	989,321	$	-	$	1,012,139

Liabilities:
Derivatives	$	-	$	53,102	$	-	$	53,102
Total	$	-	$	53,102	$	-	$	53,102

(In thousands)	Level 1		Level 2		Level 3		December 31, 2018
Assets:
AFS securities:
Federal agency	$	-	$	84,299	$	-	$	84,299
State & municipal		-		29,915		-		29,915
Mortgage-backed		-		512,295		-		512,295
Collateralized mortgage obligations		-		371,987		-		371,987
Total AFS securities	$	-	$	998,496	$	-	$	998,496
Equity securities		19,053		4,000		-		23,053
Derivatives		-		20,000		-		20,000
Total	$	19,053	$	1,022,496	$	-	$	1,041,549

Liabilities:
Derivatives	$	-	$	17,572	$	-	$	17,572
Total	$	-	$	17,572	$	-	$	17,572

GAAP requires disclosure of assets and liabilities measured and recorded at fair value on a non-recurring basis such as goodwill, loans held for sale, other real estate owned, collateral-dependent impaired loans, mortgage servicing rights and HTM securities. The only non-recurring fair value measurements recorded during the three and nine month periods ended September 30, 2019 and the year ended December 31, 2018 were related to impaired loans and write-downs of other real estate owned. The Company uses the fair value of underlying collateral, less costs to sell, to estimate the specific reserves for collateral dependent impaired loans. The appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses ranging from 10% to 35%. Based on the valuation techniques used, the fair value measurements for collateral dependent impaired loans are classified as Level 3.

As of September 30, 2019 the Company had no collateral dependent loans. As of December 31, 2018, the Company had collateral dependent loans with a carrying value $0.2 million, which had specific reserves included in the allowance for loan losses of $25 thousand.

During the three months ended September 30, 2019, the Company recorded a $1.0 million write-down of a branch location to fair value of $0.2 million due to a pending disposition of the location.

The following table sets forth information with regard to estimated fair values of financial instruments. This table excludes financial instruments for which the carrying amount approximates fair value. Financial instruments for which the fair value approximates carrying value include cash and cash equivalents, AFS securities, equity securities, accrued interest receivable, non-maturity deposits, short-term borrowings, accrued interest payable and derivatives.

			September 30, 2019				December 31, 2018
(In thousands)	Fair Value Hierarchy		Carrying Amount		Estimated Fair Value		Carrying Amount		Estimated Fair Value
Financial assets:
HTM securities		2	$	678,435	$	691,189	$	783,599	$	778,675
Net loans		3		6,959,430		6,917,768		6,822,147		6,754,460
Financial liabilities:
Time deposits		2	$	860,291	$	857,455	$	930,678	$	920,534
Long-term debt		2		84,239		84,609		73,724		73,927
Junior subordinated debt		2		101,196		104,311		101,196		100,114

Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company’s entire holdings of a particular financial instrument. Because no market exists for a significant portion of the Company’s financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with precision. Changes in assumptions could significantly affect the estimates.

Fair value estimates are based on existing on and off-balance sheet financial instruments without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments. For example, the Company has a substantial trust and investment management operation that contributes net fee income annually. The trust and investment management operation is not considered a financial instrument and its value has not been incorporated into the fair value estimates. Other significant assets and liabilities include the benefits resulting from the low-cost funding of deposit liabilities as compared to the cost of borrowing funds in the market and premises and equipment. In addition, the tax ramifications related to the realization of the unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in the estimate of fair value.

HTM Securities

The fair value of the Company’s HTM securities is primarily measured using information from a third party pricing service. The fair value measurements consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond’s terms and conditions, among other things.

Net Loans

The fair value of the Company’s loans was estimated in accordance with the exit price notion as defined by Financial Accounting Standards Board (“FASB”) Accounting Standard Codification (“ASC”) 820, Fair Value Measurement (“ASC 820”). Net loans include portfolio loans and loans held for sale. Loans were first segregated by type and then further segmented into fixed and variable rate and loan quality categories. Expected future cash flows were projected based on contractual cash flows, adjusted for estimated prepayments, which also includes credit risk, illiquidity risk and other market factors to calculate the exit price fair value in accordance with ASC 820.

Time Deposits

The fair value of time deposits was estimated using a discounted cash flow approach that applies prevailing market interest rates for similar maturity instruments. The fair values of the Company’s time deposit liabilities do not take into consideration the value of the Company’s long-term relationships with depositors, which may have significant value.

Long-Term Debt

The fair value of long-term debt was estimated using a discounted cash flow approach that applies prevailing market interest rates for similar maturity instruments.

Junior Subordinated Debt

The fair value of junior subordinated debt has been estimated using a discounted cash flow analysis.

- Definition

The entire disclosure for the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments as well as disclosures related to the fair value of non-financial assets and liabilities. Such disclosures about the financial instruments, assets, and liabilities would include: (1) the fair value of the required items together with their carrying amounts (as appropriate); (2) for items for which it is not practicable to estimate fair value, disclosure would include: (a) information pertinent to estimating fair value (including, carrying amount, effective interest rate, and maturity, and (b) the reasons why it is not practicable to estimate fair value; (3) significant concentrations of credit risk including: (a) information about the activity, region, or economic characteristics identifying a concentration, (b) the maximum amount of loss the entity is exposed to based on the gross fair value of the related item, (c) policy for requiring collateral or other security and information as to accessing such collateral or security, and (d) the nature and brief description of such collateral or security; (4) quantitative information about market risks and how such risks are managed; (5) for items measured on both a recurring and nonrecurring basis information regarding the inputs used to develop the fair value measurement; and (6) for items presented in the financial statement for which fair value measurement is elected: (a) information necessary to understand the reasons for the election, (b) discussion of the effect of fair value changes on earnings, (c) a description of [similar groups] items for which the election is made and the relation thereof to the balance sheet, the aggregate carrying value of items included in the balance sheet that are not eligible for the election; (7) all other required (as defined) and desired information.

+ References + Details

Commitments and Contingencies	9 Months Ended
Commitments and Contingencies	Sep. 30, 2019
Commitments and Contingencies [Abstract]
Commitments and Contingencies	11. Commitments and Contingencies The Company is a party to certain financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit, unused lines of credit, standby letters of credit and certain agricultural real estate loans sold to investors with recourse, with the sold portion having a government guarantee that is assignable back to the Company upon repurchase of the loan in the event of default. The Company’s exposure to credit loss in the event of nonperformance by the other party to the commitments to extend credit, unused lines of credit, standby letters of credit and loans sold with recourse is represented by the contractual amount of those investments. The credit risk associated with commitments to extend credit and standby and commercial letters of credit is essentially the same as that involved with extending loans to customers and is subject to normal credit policies. Collateral may be obtained based on management’s assessment of the customer’s credit worthiness. Commitments to extend credit and unused lines of credit totaled $2.0 billion at September 30, 2019 and $1.7 billion at December 31, 2018. Since many loan commitments, standby letters of credit and guarantees and indemnification contracts expire without being funded in whole or in part, the contract amounts are not necessarily indicative of future cash flows. The Company does not issue any guarantees that would require liability-recognition or disclosure, other than its standby letters of credit. The Company guarantees the obligations or performance of customers by issuing standby letters of credit to third parties. These standby letters of credit are frequently issued in support of third party debt, such as corporate debt issuances, industrial revenue bonds and municipal securities. The risk involved in issuing standby letters of credit is essentially the same as the credit risk involved in extending loan facilities to customers and letters of credit are subject to the same credit origination, portfolio maintenance and management procedures in effect to monitor other credit and off-balance sheet products. Typically, these instruments have one year expirations with an option to renew upon annual review; therefore, the total amounts do not necessarily represent future cash requirements. Standby letters of credit totaled $30.7 million at September 30, 2019 and $41.2 million at December 31, 2018. As of September 30, 2019 and December 31, 2018, the fair value of the Company’s standby letters of credit was not significant.

Recent Accounting Pronouncements

9 Months Ended

Sep. 30, 2019

Recent Accounting Pronouncements [Abstract]

Recent Accounting Pronouncements

12.	Recent Accounting Pronouncements

Recently Adopted Accounting Standards

In February 2016, the FASB issued Accounting Standards Update (“ASU”) 2016-02, Leases (Topic 842). ASU 2016-02 requires lessees to recognize right-of-use assets and lease liabilities on the balance sheet for all leases with terms longer than 12 months. For leases with a term of 12 months or less, a lessee is permitted to make an accounting policy election by class of underlying asset not to recognize a right-of-use asset and lease liability. Additionally, when measuring assets and liabilities arising from a lease, optional payments should be included only if the lessee is reasonably certain to exercise an option to extend the lease, exercise a purchase option or not exercise an option to terminate the lease. In January 2018, the FASB issued ASU 2018-01, Leases (Topic 842): Land Easement Practical Expedient for Transition to Topic 842. ASU 2018-01 was issued to address concerns about the cost and complexity of complying with the transition provisions of ASU 2016-02. Both ASU 2016-02 and ASU 2018-01 are effective for the Company on January 1, 2019. Lessees and lessors are required to apply the provisions of ASU 2016-02 at the beginning of the earliest period presented using a modified retrospective approach. At its November 29, 2017 meeting, the FASB proposed allowing entities the option of applying the provisions of ASU 2016-02 at the effective date without adjusting the comparative periods presented. In July 2018, the FASB issued ASU 2018-10, Codification Improvements to Topic 842, Leases. ASU 2018-10 was issued to provide more detailed guidance and additional clarification for implementing ASU 2016-02. Also in July 2018, the FASB issued ASU 2018-11, Targeted Improvements, which allows for an optional transition method in which the provisions of ASC Topic 842 would be applied upon the adoption date and would not have to be retroactively applied to the earliest reporting period presented in the consolidated financial statements.

The Company adopted ASU 2016-02 as of January 1, 2019 and elected the package of practical expedients permitted under the transition guidance within the new standard, which among other things, allows the carryforward of the historical lease classification, the practical expedient related to land easements and the hindsight practical expedient to determine the reasonably certain lease term for existing leases. The Company made an accounting policy election to keep leases with an initial term of 12 months or less off of the balance sheet and recognize those lease payments in the consolidated statements of income on a straight-line basis over the lease term. The adoption of ASU 2016-02 and related transition guidance resulted in the recognition of additional net lease assets and liabilities of approximately $34 million and $37 million, respectively, as of January 1, 2019. The standard did not materially affect our consolidated net earnings or regulatory capital ratios. Refer to Note 5, Leases for more information.

In March 2017, the FASB issued ASU 2017-08, Receivables – Nonrefundable Fees and Other Costs (Subtopic 310-20). ASU 2017-08 requires amortization of premiums to the earliest call date on debt securities with call features that are explicit, on contingent and callable at fixed prices on present dates. The ASU does not impact securities held at a discount; the discount continues to be amortized to the contractual maturity. The guidance is required to be applied with a modified retrospective approach through a cumulative effect adjustment to retained earnings as of the beginning of the period of adoption. ASU 2017-08 is effective for the Company on January 1, 2019. The adoption did not have an impact on the consolidated financial statements and related disclosures and no cumulative effect adjustment was required upon adoption.

In October 2018, the FASB issued ASU 2018-16, Derivatives and Hedging (Topic 815) - Inclusion of the Secured Overnight Financing Rate (“SOFR”) Overnight Index Swap (“OIS”) Rate as a Benchmark Interest Rate for Hedge Accounting Purposes. The ASU 2018-16 amends existing guidance permits the use of the OIS rate based on SOFR as a United States benchmark interest rate for hedge accounting purposes under Topic 815 in addition to other allowable rates stated in the guidance. ASU 2018-16 is effective for the Company on January 1, 2019 and should be applied prospectively for qualifying new or redesignated hedging relationships entered into on or after the date of adoption. The adoption did not have an impact on the Company’s consolidated financial statements.

Accounting Standards Issued Not Yet Adopted

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 provisions of ASU 2018-13 modify the disclosure requirements on fair value measurements in ASC 820. The amendments on 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 should be applied prospectively for only the most recent interim or annual period presented in the initial fiscal year of adoption. All other amendments should be applied retrospectively to all periods presented upon their effective date. ASU 2018-13 is effective January 1, 2020 but may be early adopted in any interim period. Management is evaluating the effect that this guidance will have on the consolidated financial statements and related disclosures and does not expect the impact to be material.

In June 2016, the FASB issued ASU 2016-13, Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments (“CECL”). ASU 2016-13 introduces new guidance that make substantive changes to the accounting for credit losses. ASU 2016-13 introduces the CECL model, which applies to financial assets subject to credit losses and measured at amortized cost, as well as certain off-balance sheet credit exposures. This includes loans, loan commitments, standby letters of credit, net investments in leases recognized by a lessor and HTM debt securities. The CECL model requires an entity to estimate credit losses expected over the life of an exposure, considering information about historical events, current conditions and reasonable and supportable forecasts and is generally expected to result in earlier recognition of credit losses. ASU 2016-13 also modifies certain provisions of the current OTTI model for AFS debt securities. Credit losses on AFS debt securities will be limited to the difference between the security’s amortized cost basis and its fair value and will be recognized through an allowance for credit losses rather than as a direct reduction in amortized cost basis. ASU 2016-13 also provides for a simplified accounting model for purchased financial assets with more than insignificant credit deterioration since their origination. ASU 2016-13 requires expanded disclosures including, but not limited to, (i) information about the methods and assumptions used to estimate expected credit losses, including changes in the factors that influenced management’s estimate and the reasons for those changes, (ii) for financing receivables and net investment in leases measured at amortized cost, further disaggregation of information about the credit quality of those assets and (iii) a rollforward of the allowance for credit losses for HTM and AFS securities. ASU 2016-13 is effective for the Company on January 1, 2020. Early adoption is permitted for all organizations for fiscal years and interim periods within those fiscal years, beginning after December 15, 2018; however, the Company does not intend to early adopt this ASU. Management is evaluating the effect that this guidance will have on the consolidated financial statements and related disclosures, and processes and controls; however, adoption is likely to lead to significant changes in accounting policies related to, and the methods employed in estimating, the allowance for loan and lease losses. It is possible that the impact will be material to the Company’s consolidated financial statements. Moreover, the CECL model may create more volatility in the level of our allowance for loan losses. To date, the Company has completed a gap analysis, adopted a detailed implementation plan, established a formal governance structure for the project, selected and is in the process of implementing a software solution to serve as its CECL platform, hired talent to support the CECL model, documented accounting policy elections, drafted policies to comply with the new standard, selected credit loss methods for key portfolio segments and performed parallel calculations of certain elements of the model to analyze against incurred loss results. The Company has selected a discounted probability of default, loss given default econometric model for the majority of its portfolio segments. In the third quarter of 2019, the Company began a third party model validation process and continues to document process and controls, refine the qualitative framework and perform testing of significant model assumptions including sensitivity analysis and back testing. At this time, the Company has performed estimations of the day 1 impact for internal use only as we continue to finalize all aspects of the CECL implementation.

In April 2019, the FASB issued ASU 2019-04, Codification Improvements to Topic 326, Financial Instruments-Credit Losses, which, among other things, clarifies that recoveries should be incorporated within the estimation of the allowance for credit losses. Expected recoveries should not exceed the aggregate amount of prior write offs and expected future write offs. The inclusion of expected recoveries in the measurement of expected credit losses may result in a negative credit allowance in certain circumstances.

In May 2019, the FASB issued ASU 2019-05, Financial Instruments - Credit Losses (Topic 326): Targeted Transition Relief. The Company is considering the impact of the irrevocable election of the fair value option (election to elect fair value option for certain financial assets).

In August 2018, the FASB issued ASU 2018-14, Compensation – Retirement Benefits – Defined Benefit Plans - General (Subtopic 715-20), provides changes to the disclosure requirements for defined benefit plans. The amended guidance modifies the disclosure requirements for employers that sponsor defined benefit pension or other postretirement plans. The amendments are a result of the disclosure framework project that focuses on improvements to the effectiveness of disclosures in the notes to financial statements. The amendments remove and add certain disclosure requirements. The disclosure requirements being removed relating to public companies are (1) the amounts in accumulated other comprehensive income expected to be recognized as components of net periodic benefit cost over the next fiscal year, (2) the amount and timing of plan assets expected to be returned to the employer, (3) the 2001 disclosure requirement relating to Japanese Welfare Pension Insurance Law, (4) related party disclosures about the amount of future annual benefits covered by insurance, and (5) the effects of a one-percentage-point change in assumed health care cost trends on the benefit cost and obligation. The disclosure requirements being added relating to public companies are (1) the weighted-average interest crediting rates for cash balance plans, and (2) an explanation of the reasons for significant gains and losses related to changes in the benefit obligation for the period. ASU 2018-14 is effective for the Company on January 1, 2021 and early adoption is permitted. The amendments should be applied retrospectively and the Company does not expect the guidance to have a material impact on its disclosures to the consolidated financial statements.

In August 2018, the FASB issued ASU 2018-15, Intangibles – Goodwill and Other – Internal-Use Software (Subtopic 350-40) – Customer’s Accounting for Implementation Costs Incurred in a Cloud Computing Arrangement that is a Service Contract. ASU 2018-15 amends existing guidance and requires a hosting arrangement that is a service contract to follow the guidance in Subtopic 350-40 to determine which implementation costs to capitalize and which costs to expense. ASU 2018-15 is effective for the Company on January 1, 2020, and early adoption is permitted. The amendments should be applied either retrospectively or prospectively to all implementation costs incurred after the date of adoption. The Company is evaluating the impact that the guidance will have on its consolidated financial statements.

Description of Business (Policies)	9 Months Ended
Description of Business (Policies)	Sep. 30, 2019
Description of Business [Abstract]
Nature of Operations	NBT Bancorp Inc. (the “Registrant” or the “Company”) is a registered financial holding company incorporated in the state of Delaware in 1986, with its principal headquarters located in Norwich, New York. The principal assets of the Registrant consist of all of the outstanding shares of common stock of its subsidiaries, including: NBT Bank, National Association (the “Bank”), NBT Financial Services, Inc. (“NBT Financial”), NBT Holdings, Inc. (“NBT Holdings”), CNBF Capital Trust I, NBT Statutory Trust I, NBT Statutory Trust II, Alliance Financial Capital Trust I and Alliance Financial Capital Trust II (collectively, the “Trusts”). The Company’s principal sources of revenue are the management fees and dividends it receives from the Bank, NBT Financial and NBT Holdings. The Company’s business, primarily conducted through the Bank, consists of providing commercial banking, retail banking and wealth management services primarily to customers in its market area, which includes central and upstate New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont and the southern coastal Maine area. The Company has been, and intends to continue to be, a community-oriented financial institution offering a variety of financial services. The Company’s business philosophy is to operate as a community bank with local decision-making, providing a broad array of banking and financial services to retail, commercial and municipal customers.

Basis of Presentation (Policies)	9 Months Ended
Basis of Presentation (Policies)	Sep. 30, 2019
Basis of Presentation [Abstract]
Basis of Presentation	The accompanying unaudited interim consolidated financial statements include the accounts of the Registrant and its wholly-owned subsidiaries, the Bank, NBT Financial and NBT Holdings. Collectively, the Registrant and its subsidiaries are referred to herein as “the Company.” The interim data includes all adjustments, consisting only of normal recurring adjustments, necessary for a fair statement of the results for the interim periods in accordance with generally accepted accounting principles in the United States of America (“GAAP”). These unaudited interim consolidated financial statements should be read in conjunction with the audited consolidated financial statements and notes thereto included in our 2018 Annual Report on Form 10-K. The results of operations for the interim periods are not necessarily indicative of the results that may be expected for the full year or any other interim period. All material intercompany transactions have been eliminated in consolidation. The Company has evaluated subsequent events for potential recognition and/or disclosure and there were none identified.

Securities (Policies)	9 Months Ended
Securities (Policies)	Sep. 30, 2019
Securities [Abstract]
Investment, Policy	Declines in the fair value of HTM securities below their amortized cost, less any current period credit loss, that are deemed to be other-than-temporary are reflected in earnings as realized losses or in other comprehensive income (“OCI”). The classification is dependent upon whether the Company intends to sell the security, or whether it is more likely than not, that the Company will be required to sell the security before recovery. The other-than-temporary impairment (“OTTI”) shall be recognized in earnings equal to the entire difference between the investment’s amortized cost basis and its fair value at the balance sheet date. If the Company does not intend to sell the security and it is not more likely than not that the Company will be required to sell the security before recovery of its amortized cost basis less any current-period credit loss, the OTTI shall be separated into (i) the amount representing the credit loss and (ii) the amount related to all other factors. The amount of the total OTTI related to the credit loss shall be recognized in earnings. The amount of the total OTTI related to other factors shall be recognized in OCI, net of applicable taxes. In estimating OTTI losses, management considers, among other things, (i) the length of time and the extent to which the fair value has been less than cost, (ii) the financial condition and near-term prospects of the issuer and (iii) the historical and implied volatility of the fair value of the security. Management has the intent to hold the securities classified as HTM until they mature, at which time it is believed the Company will receive full value for the securities. The unrealized losses on HTM debt securities are due to increases in market interest rates over yields at the time the underlying securities were purchased. When necessary, the Company has performed a discounted cash flow analysis to determine whether or not it will receive the contractual principal and interest on certain securities. The fair value is expected to recover as the bond approaches its maturity date or repricing date or if market yields for such investments declines. Management also has the intent to hold and will not be required to sell, the debt securities classified as AFS for a period of time sufficient for a recovery of cost, which may be until maturity. The unrealized losses on AFS debt securities are due to increases in market interest rates over the yields available at the time the underlying securities were purchased. When necessary, the Company has performed a discounted cash flow analysis to determine whether or not it will receive the contractual principal and interest on certain securities. For AFS debt securities, OTTI losses are recognized in earnings if the Company intends to sell the security. In other cases the Company considers the relevant factors noted above, as well as the Company’s intent and ability to retain its investment for a period of time sufficient to allow for any anticipated recovery in market value and whether evidence exists to support a realizable value equal to or greater than the cost basis. Any impairment loss on an equity security is equal to the full difference between the cost basis and the fair value of the security. Maturities of mortgage-backed, collateralized mortgage obligations and asset-backed securities are stated based on their estimated average lives. Actual maturities may differ from estimated average lives or contractual maturities because, in certain cases, borrowers have the right to call or prepay obligations with or without call or prepayment penalties.

Allowance for Loan Losses and Credit Quality of Loans (Policies)

9 Months Ended

Sep. 30, 2019

Allowance for Loan Losses and Credit Quality of Loans [Abstract]

Portfolio and Class Segments

Portfolio	Class
Commercial Loans	Commercial and Industrial
	Commercial Real Estate
	Business Banking
Consumer Loans	Dealer Finance
	Specialty Lending
	Direct
Residential Real Estate

Allowance for Loan Losses

Commercial Loans

Consumer Loans

The Company offers a variety of Consumer loan products including Dealer Finance, Specialty Lending and Direct loans.

Residential Real Estate

Allowance for Loan Loss Calculation

Credit Quality of Loans

Impaired Loans

Credit Quality Indicators

Commercial Grading System

●

Doubtful

●

Substandard

●

Special Mention

● Pass

Business Banking Grading System

Business Banking loans are graded as either Classified or Non-classified:

●

Classified

●

Non-classified

Loans graded as Non-classified encompass all loans not graded as Classified. Payments on non-classified loans are generally made as agreed.

Consumer and Residential Real Estate Grading System

Consumer and Residential Real Estate loans are graded as either Nonperforming or Performing.

●

Nonperforming

Nonperforming loans are loans that are 1) over 90 days past due and interest is still accruing or 2) on nonaccrual status.

●

Performing

All loans not meeting any of these criteria are considered Performing.

Troubled Debt Restructuring

Troubled Debt Restructured Loans

Leases (Policies)	9 Months Ended
Leases (Policies)	Sep. 30, 2019
Leases [Abstract]
Operating Lease	Operating lease ROU assets represent the Company’s right to use an underlying asset during the lease term and operating lease liabilities represent our obligation to make lease payments arising from the lease. ROU assets and operating lease liabilities are recognized at lease commencement based on the present value of the remaining lease payments using a discount rate that represents the Company’s incremental borrowing rate at the lease commencement date. ROU assets are further adjusted for lease incentives. Operating lease expense, which is comprised of amortization of the ROU asset and the implicit interest accreted on the operating lease liability, is recognized on a straight-line basis over the lease term, and is recorded in occupancy expense in the unaudited interim consolidated statements of income. We have made a policy election to exclude the recognition requirements to all classes of leases with original terms of 12 months or less. Instead, the short-term lease payments are recognized in profit or loss on a straight-line basis over the lease term. The Company has lease agreements with lease and non-lease components, which are generally accounted for separately. For real estate leases, non-lease components and other non-components, such as common area maintenance charges, real estate taxes and insurance are not included in the measurement of the lease liability since they are generally able to be segregated.

Defined Benefit Post-Retirement Plans (Policies)	9 Months Ended
Defined Benefit Post-Retirement Plans (Policies)	Sep. 30, 2019
Defined Benefit Post-Retirement Plans [Abstract]
Postemployment Benefit Plans, Policy	The Company has a qualified, noncontributory, defined benefit pension plan (“the Plan”) covering substantially all of its employees at September 30, 2019. Benefits paid from the plan are based on age, years of service, compensation, and social security benefits and are determined in accordance with defined formulas. The Company’s policy is to fund the Plan in accordance with Employee Retirement Income Security Act of 1974 standards. Assets of the Plan are invested in publicly traded stocks and mutual funds. In addition to the Plan, the Company provides supplemental employee retirement plans to certain current and former executives. The Company also assumed supplemental retirement plans for former executives of Alliance Financial Corporation (“Alliance”) when the Company acquired Alliance. These supplemental employee retirement plans and the Plan are collectively referred to herein as “Pension Benefits.” In addition, the Company provides certain health care benefits for retired employees. Benefits were accrued over the employees’ active service period. Only employees that were employed by the Company on or before January 1, 2000 are eligible to receive post-retirement health care benefits. In addition, the Company assumed post-retirement medical life insurance benefits for certain Alliance employees, retirees and their spouses, if applicable, in the Alliance acquisition. These post-retirement benefits are referred to herein as “Other Benefits.” The Company made no voluntary contributions to the pension and other benefits plans during the three and nine months ended September 30, 2019 and 2018.

Earnings Per Share (Policies)	9 Months Ended
Earnings Per Share (Policies)	Sep. 30, 2019
Earnings Per Share [Abstract]
Earnings Per Share	Basic earnings per share (“EPS”) excludes dilution and is computed by dividing income available to common stockholders by the weighted average number of common shares outstanding for the period. Diluted EPS reflects the potential dilution that could occur if securities or other contracts to issue common stock were exercised or converted into common stock or resulted in the issuance of common stock that then shared in the earnings of the entity (such as the Company’s dilutive stock options and restricted stock units).

Fair Value Measurements and Fair Value of Financial Instruments (Policies)	9 Months Ended
	Sep. 30, 2019
Fair Value Measurements and Fair Value of Financial Instruments [Abstract]
Fair Value of Financial Instruments, Policy	GAAP states that fair value is an exit price, representing the amount that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants. Fair value measurements are not adjusted for transaction costs. A fair value hierarchy exists within GAAP that prioritizes the inputs to valuation techniques used to measure fair value. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (Level 1 measurements) and the lowest priority to unobservable inputs (Level 3 measurements). The three levels of the fair value hierarchy are described below: Level 1 - Unadjusted quoted prices in active markets that are accessible at the measurement date for identical, unrestricted assets or liabilities; Level 2 - Quoted prices for similar assets or liabilities in active markets, quoted prices in markets that are not active or inputs that are observable, either directly or indirectly, for substantially the full term of the asset or liability; Level 3 - Prices or valuation techniques that require inputs that are both significant to the fair value measurement and unobservable (i.e., supported by little or no market activity). A financial instrument’s level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement. The types of instruments valued based on quoted market prices in active markets include most U.S. government and agency securities, many other sovereign government obligations, liquid mortgage products, active listed equities and most money market securities. Such instruments are generally classified within Level 1 or Level 2 of the fair value hierarchy. The Company does not adjust the quoted prices for such instruments. The types of instruments valued based on quoted prices in markets that are not active, broker or dealer quotations or alternative pricing sources with reasonable levels of price transparency include most investment-grade and high-yield corporate bonds, less liquid mortgage products, less liquid agency securities, less liquid listed equities, state, municipal and provincial obligations and certain physical commodities. Such instruments are generally classified within Level 2 of the fair value hierarchy. Certain common equity securities are reported at fair value utilizing Level 1 inputs (exchange quoted prices). Other investment securities are reported at fair value utilizing Level 1 and Level 2 inputs. The prices for Level 2 instruments are obtained through an independent pricing service or dealer market participants with whom the Company has historically transacted both purchases and sales of investment securities. Prices obtained from these sources include prices derived from market quotations and matrix pricing. The fair value measurements consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond’s terms and conditions, among other things. Management reviews the methodologies used in pricing the securities by its third party providers. Level 3 is for positions that are not traded in active markets or are subject to transfer restrictions. Valuations are adjusted to reflect illiquidity and/or non-transferability and such adjustments are generally based on available market evidence. In the absence of such evidence, management’s best estimate will be used. Management’s best estimate consists of both internal and external support on certain Level 3 investments. Subsequent to inception, management only changes Level 3 inputs and assumptions when corroborated by evidence such as transactions in similar instruments, completed or pending third-party transactions in the underlying investment or comparable entities, subsequent rounds of financing, recapitalizations and other transactions across the capital structure, offerings in the equity or debt markets and changes in financial ratios or cash flows. GAAP requires disclosure of assets and liabilities measured and recorded at fair value on a non-recurring basis such as goodwill, loans held for sale, other real estate owned, collateral-dependent impaired loans, mortgage servicing rights and HTM securities. The only non-recurring fair value measurements recorded during the three and nine month periods ended September 30, 2019 and the year ended December 31, 2018 were related to impaired loans and write-downs of other real estate owned. The Company uses the fair value of underlying collateral, less costs to sell, to estimate the specific reserves for collateral dependent impaired loans. The appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses ranging from 10% to 35%. Based on the valuation techniques used, the fair value measurements for collateral dependent impaired loans are classified as Level 3. Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company’s entire holdings of a particular financial instrument. Because no market exists for a significant portion of the Company’s financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with precision. Changes in assumptions could significantly affect the estimates. Fair value estimates are based on existing on and off-balance sheet financial instruments without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments. For example, the Company has a substantial trust and investment management operation that contributes net fee income annually. The trust and investment management operation is not considered a financial instrument and its value has not been incorporated into the fair value estimates. Other significant assets and liabilities include the benefits resulting from the low-cost funding of deposit liabilities as compared to the cost of borrowing funds in the market and premises and equipment. In addition, the tax ramifications related to the realization of the unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in the estimate of fair value. HTM Securities The fair value of the Company’s HTM securities is primarily measured using information from a third party pricing service. The fair value measurements consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond’s terms and conditions, among other things. Net Loans The fair value of the Company’s loans was estimated in accordance with the exit price notion as defined by Financial Accounting Standards Board (“FASB”) Accounting Standard Codification (“ASC”) 820, Fair Value Measurement (“ASC 820”). Net loans include portfolio loans and loans held for sale. Loans were first segregated by type and then further segmented into fixed and variable rate and loan quality categories. Expected future cash flows were projected based on contractual cash flows, adjusted for estimated prepayments, which also includes credit risk, illiquidity risk and other market factors to calculate the exit price fair value in accordance with ASC 820. Time Deposits The fair value of time deposits was estimated using a discounted cash flow approach that applies prevailing market interest rates for similar maturity instruments. The fair values of the Company’s time deposit liabilities do not take into consideration the value of the Company’s long-term relationships with depositors, which may have significant value. Long-Term Debt The fair value of long-term debt was estimated using a discounted cash flow approach that applies prevailing market interest rates for similar maturity instruments. Junior Subordinated Debt The fair value of junior subordinated debt has been estimated using a discounted cash flow analysis.

Recent Accounting Pronouncements (Policies)	9 Months Ended
Recent Accounting Pronouncements (Policies)	Sep. 30, 2019
Recent Accounting Pronouncements [Abstract]
Recently Adopted Accounting Standards	Recently Adopted Accounting Standards In February 2016, the FASB issued Accounting Standards Update (“ASU”) 2016-02, Leases (Topic 842). ASU 2016-02 requires lessees to recognize right-of-use assets and lease liabilities on the balance sheet for all leases with terms longer than 12 months. For leases with a term of 12 months or less, a lessee is permitted to make an accounting policy election by class of underlying asset not to recognize a right-of-use asset and lease liability. Additionally, when measuring assets and liabilities arising from a lease, optional payments should be included only if the lessee is reasonably certain to exercise an option to extend the lease, exercise a purchase option or not exercise an option to terminate the lease. In January 2018, the FASB issued ASU 2018-01, Leases (Topic 842): Land Easement Practical Expedient for Transition to Topic 842. ASU 2018-01 was issued to address concerns about the cost and complexity of complying with the transition provisions of ASU 2016-02. Both ASU 2016-02 and ASU 2018-01 are effective for the Company on January 1, 2019. Lessees and lessors are required to apply the provisions of ASU 2016-02 at the beginning of the earliest period presented using a modified retrospective approach. At its November 29, 2017 meeting, the FASB proposed allowing entities the option of applying the provisions of ASU 2016-02 at the effective date without adjusting the comparative periods presented. In July 2018, the FASB issued ASU 2018-10, Codification Improvements to Topic 842, Leases. ASU 2018-10 was issued to provide more detailed guidance and additional clarification for implementing ASU 2016-02. Also in July 2018, the FASB issued ASU 2018-11, Targeted Improvements, which allows for an optional transition method in which the provisions of ASC Topic 842 would be applied upon the adoption date and would not have to be retroactively applied to the earliest reporting period presented in the consolidated financial statements. The Company adopted ASU 2016-02 as of January 1, 2019 and elected the package of practical expedients permitted under the transition guidance within the new standard, which among other things, allows the carryforward of the historical lease classification, the practical expedient related to land easements and the hindsight practical expedient to determine the reasonably certain lease term for existing leases. The Company made an accounting policy election to keep leases with an initial term of 12 months or less off of the balance sheet and recognize those lease payments in the consolidated statements of income on a straight-line basis over the lease term. The adoption of ASU 2016-02 and related transition guidance resulted in the recognition of additional net lease assets and liabilities of approximately $34 million and $37 million, respectively, as of January 1, 2019. The standard did not materially affect our consolidated net earnings or regulatory capital ratios. Refer to Note 5, Leases for more information. In March 2017, the FASB issued ASU 2017-08, Receivables – Nonrefundable Fees and Other Costs (Subtopic 310-20). ASU 2017-08 requires amortization of premiums to the earliest call date on debt securities with call features that are explicit, on contingent and callable at fixed prices on present dates. The ASU does not impact securities held at a discount; the discount continues to be amortized to the contractual maturity. The guidance is required to be applied with a modified retrospective approach through a cumulative effect adjustment to retained earnings as of the beginning of the period of adoption. ASU 2017-08 is effective for the Company on January 1, 2019. The adoption did not have an impact on the consolidated financial statements and related disclosures and no cumulative effect adjustment was required upon adoption. In October 2018, the FASB issued ASU 2018-16, Derivatives and Hedging (Topic 815) - Inclusion of the Secured Overnight Financing Rate (“SOFR”) Overnight Index Swap (“OIS”) Rate as a Benchmark Interest Rate for Hedge Accounting Purposes. The ASU 2018-16 amends existing guidance permits the use of the OIS rate based on SOFR as a United States benchmark interest rate for hedge accounting purposes under Topic 815 in addition to other allowable rates stated in the guidance. ASU 2018-16 is effective for the Company on January 1, 2019 and should be applied prospectively for qualifying new or redesignated hedging relationships entered into on or after the date of adoption. The adoption did not have an impact on the Company’s consolidated financial statements.
Accounting Standards Issued Not Yet Adopted	Accounting Standards Issued Not Yet Adopted 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 provisions of ASU 2018-13 modify the disclosure requirements on fair value measurements in ASC 820. The amendments on 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 should be applied prospectively for only the most recent interim or annual period presented in the initial fiscal year of adoption. All other amendments should be applied retrospectively to all periods presented upon their effective date. ASU 2018-13 is effective January 1, 2020 but may be early adopted in any interim period. Management is evaluating the effect that this guidance will have on the consolidated financial statements and related disclosures and does not expect the impact to be material. In June 2016, the FASB issued ASU 2016-13, Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments (“CECL”). ASU 2016-13 introduces new guidance that make substantive changes to the accounting for credit losses. ASU 2016-13 introduces the CECL model, which applies to financial assets subject to credit losses and measured at amortized cost, as well as certain off-balance sheet credit exposures. This includes loans, loan commitments, standby letters of credit, net investments in leases recognized by a lessor and HTM debt securities. The CECL model requires an entity to estimate credit losses expected over the life of an exposure, considering information about historical events, current conditions and reasonable and supportable forecasts and is generally expected to result in earlier recognition of credit losses. ASU 2016-13 also modifies certain provisions of the current OTTI model for AFS debt securities. Credit losses on AFS debt securities will be limited to the difference between the security’s amortized cost basis and its fair value and will be recognized through an allowance for credit losses rather than as a direct reduction in amortized cost basis. ASU 2016-13 also provides for a simplified accounting model for purchased financial assets with more than insignificant credit deterioration since their origination. ASU 2016-13 requires expanded disclosures including, but not limited to, (i) information about the methods and assumptions used to estimate expected credit losses, including changes in the factors that influenced management’s estimate and the reasons for those changes, (ii) for financing receivables and net investment in leases measured at amortized cost, further disaggregation of information about the credit quality of those assets and (iii) a rollforward of the allowance for credit losses for HTM and AFS securities. ASU 2016-13 is effective for the Company on January 1, 2020. Early adoption is permitted for all organizations for fiscal years and interim periods within those fiscal years, beginning after December 15, 2018; however, the Company does not intend to early adopt this ASU. Management is evaluating the effect that this guidance will have on the consolidated financial statements and related disclosures, and processes and controls; however, adoption is likely to lead to significant changes in accounting policies related to, and the methods employed in estimating, the allowance for loan and lease losses. It is possible that the impact will be material to the Company’s consolidated financial statements. Moreover, the CECL model may create more volatility in the level of our allowance for loan losses. To date, the Company has completed a gap analysis, adopted a detailed implementation plan, established a formal governance structure for the project, selected and is in the process of implementing a software solution to serve as its CECL platform, hired talent to support the CECL model, documented accounting policy elections, drafted policies to comply with the new standard, selected credit loss methods for key portfolio segments and performed parallel calculations of certain elements of the model to analyze against incurred loss results. The Company has selected a discounted probability of default, loss given default econometric model for the majority of its portfolio segments. In the third quarter of 2019, the Company began a third party model validation process and continues to document process and controls, refine the qualitative framework and perform testing of significant model assumptions including sensitivity analysis and back testing. At this time, the Company has performed estimations of the day 1 impact for internal use only as we continue to finalize all aspects of the CECL implementation. In April 2019, the FASB issued ASU 2019-04, Codification Improvements to Topic 326, Financial Instruments-Credit Losses, which, among other things, clarifies that recoveries should be incorporated within the estimation of the allowance for credit losses. Expected recoveries should not exceed the aggregate amount of prior write offs and expected future write offs. The inclusion of expected recoveries in the measurement of expected credit losses may result in a negative credit allowance in certain circumstances. In May 2019, the FASB issued ASU 2019-05, Financial Instruments - Credit Losses (Topic 326): Targeted Transition Relief. The Company is considering the impact of the irrevocable election of the fair value option (election to elect fair value option for certain financial assets). In August 2018, the FASB issued ASU 2018-14, Compensation – Retirement Benefits – Defined Benefit Plans - General (Subtopic 715-20), provides changes to the disclosure requirements for defined benefit plans. The amended guidance modifies the disclosure requirements for employers that sponsor defined benefit pension or other postretirement plans. The amendments are a result of the disclosure framework project that focuses on improvements to the effectiveness of disclosures in the notes to financial statements. The amendments remove and add certain disclosure requirements. The disclosure requirements being removed relating to public companies are (1) the amounts in accumulated other comprehensive income expected to be recognized as components of net periodic benefit cost over the next fiscal year, (2) the amount and timing of plan assets expected to be returned to the employer, (3) the 2001 disclosure requirement relating to Japanese Welfare Pension Insurance Law, (4) related party disclosures about the amount of future annual benefits covered by insurance, and (5) the effects of a one-percentage-point change in assumed health care cost trends on the benefit cost and obligation. The disclosure requirements being added relating to public companies are (1) the weighted-average interest crediting rates for cash balance plans, and (2) an explanation of the reasons for significant gains and losses related to changes in the benefit obligation for the period. ASU 2018-14 is effective for the Company on January 1, 2021 and early adoption is permitted. The amendments should be applied retrospectively and the Company does not expect the guidance to have a material impact on its disclosures to the consolidated financial statements. In August 2018, the FASB issued ASU 2018-15, Intangibles – Goodwill and Other – Internal-Use Software (Subtopic 350-40) – Customer’s Accounting for Implementation Costs Incurred in a Cloud Computing Arrangement that is a Service Contract. ASU 2018-15 amends existing guidance and requires a hosting arrangement that is a service contract to follow the guidance in Subtopic 350-40 to determine which implementation costs to capitalize and which costs to expense. ASU 2018-15 is effective for the Company on January 1, 2020, and early adoption is permitted. The amendments should be applied either retrospectively or prospectively to all implementation costs incurred after the date of adoption. The Company is evaluating the impact that the guidance will have on its consolidated financial statements.

Securities (Tables)

9 Months Ended

Sep. 30, 2019

Securities [Abstract]

Amortized Cost, Estimated Fair Value and Unrealized Gains (Losses) of Available for Sale ("AFS") Securities

The amortized cost, estimated fair value and unrealized gains (losses) of available for sale (“AFS”) securities are as follows:

(In thousands)	Amortized Cost		Unrealized Gains		Unrealized Losses		Estimated Fair Value
As of September 30, 2019
Federal agency	$	29,998	$	-	$	167	$	29,831
State & municipal		9		-		-		9
Mortgage-backed:
Government-sponsored enterprises		433,393		4,494		292		437,595
U.S. government agency securities		44,912		1,021		18		45,915
Collateralized mortgage obligations:
Government-sponsored enterprises		343,682		2,484		456		345,710
U.S. government agency securities		72,443		887		217		73,113
Total AFS securities	$	924,437	$	8,886	$	1,150	$	932,173
As of December 31, 2018
Federal agency	$	84,982	$	10	$	693	$	84,299
State & municipal		30,136		16		237		29,915
Mortgage-backed:
Government-sponsored enterprises		493,225		439		10,354		483,310
U.S. government agency securities		29,190		270		475		28,985
Collateralized mortgage obligations:
Government-sponsored enterprises		332,409		344		7,211		325,542
U.S. government agency securities		47,684		137		1,376		46,445
Total AFS securities	$	1,017,626	$	1,216	$	20,346	$	998,496

Components of Net Realized Gains (Losses) on Sale of AFS Securities

The components of net realized gains (losses) on AFS securities are as follows. These amounts were reclassified out of accumulated other comprehensive income (loss) (“AOCI”) and into earnings.

	Three Months Ended September 30,
(In thousands)	2019		2018
Gross realized gains	$	20	$	-
Gross realized (losses)		-		-
Net AFS realized gains	$	20	$	-

	Nine Months Ended September 30,
(In thousands)	2019			2018
Gross realized gains	$	73		$	-
Gross realized (losses)		(152	)		-
Net AFS realized (losses)	$	(79	)	$	-

Amortized Cost, Estimated Fair Value, and Unrealized Gains (Losses) of Held to Maturity Securities

The amortized cost, estimated fair value and unrealized gains (losses) of held to maturity (“HTM”) securities are as follows:

(In thousands)	Amortized Cost		Unrealized Gains		Unrealized Losses		Estimated Fair Value
As of September 30, 2019
Federal agency	$	10,000	$	6	$	-	$	10,006
Mortgage-backed:
Government-sponsored enterprises		154,701		3,139		127		157,713
U.S. government agency securities		13,679		785		-		14,464
Collateralized mortgage obligations:
Government-sponsored enterprises		213,409		2,849		365		215,893
U.S. government agency securities		112,974		4,001		64		116,911
State & municipal		173,672		2,544		14		176,202
Total HTM securities	$	678,435	$	13,324	$	570	$	691,189
As of December 31, 2018
Federal agency	$	19,995	$	52	$	-	$	20,047
Mortgage-backed:
Government-sponsored enterprises		164,618		712		2,773		162,557
U.S. government agency securities		15,230		403		-		15,633
Collateralized mortgage obligations:
Government-sponsored enterprises		257,475		1,097		3,897		254,675
U.S. government agency securities		83,148		767		-		83,915
State & municipal		243,133		331		1,616		241,848
Total HTM securities	$	783,599	$	3,362	$	8,286	$	778,675

Investment Securities with Unrealized Losses

	Less Than 12 Months							12 Months or Longer							Total
(In thousands)	Fair Value		Unrealized Losses			Number of Positions		Fair Value		Unrealized Losses			Number of Positions		Fair Value		Unrealized Losses			Number of Positions
As of September 30, 2019
AFS securities:
Federal agency	$	19,965	$	(33	)		2	$	9,866	$	(134	)		1	$	29,831	$	(167	)		3
Mortgage-backed		36,017		(69	)		18		39,394		(241	)		16		75,411		(310	)		34
Collateralized mortgage obligations		60,272		(170	)		11		72,528		(503	)		23		132,800		(673	)		34
Total securities with unrealized losses	$	116,254	$	(272	)		31	$	121,788	$	(878	)		40	$	238,042	$	(1,150	)		71

HTM securities:
Mortgage-backed	$	-	$	-			-	$	26,836	$	(127	)		2	$	26,836	$	(127	)		2
Collateralized mortgage obligations		18,656		(129	)		3		23,708		(300	)		5		42,364		(429	)		8
State & municipal		5,447		(14	)		8		-		-			-		5,447		(14	)		8
Total securities with unrealized losses	$	24,103	$	(143	)		11	$	50,544	$	(427	)		7	$	74,647	$	(570	)		18

As of December 31, 2018
AFS securities:
Federal agency	$	-	$	-			-	$	64,294	$	(693	)		6	$	64,294	$	(693	)		6
State & municipal		1,715		(3	)		3		22,324		(234	)		35		24,039		(237	)		38
Mortgage-backed		18,462		(65	)		12		428,440		(10,764	)		101		446,902		(10,829	)		113
Collateralized mortgage obligations		12,118		(69	)		5		320,908		(8,518	)		62		333,026		(8,587	)		67
Total securities with unrealized losses	$	32,295	$	(137	)		20	$	835,966	$	(20,209	)		204	$	868,261	$	(20,346	)		224

HTM securities:
Mortgage-backed	$	-	$	-			-	$	82,579	$	(2,773	)		6	$	82,579	$	(2,773	)		6
Collateralized mortgage obligations		4,386		(7	)		2		145,396		(3,890	)		26		149,782		(3,897	)		28
State & municipal		18,907		(84	)		30		58,258		(1,532	)		86		77,165		(1,616	)		116
Total securities with unrealized losses	$	23,293	$	(91	)		32	$	286,233	$	(8,195	)		118	$	309,526	$	(8,286	)		150

Gains and Losses on Equity Securities

The following tables set forth information with regard to gains and losses on equity securities:

	Three Months Ended September 30,
(In thousands)	2019		2018
Net gains and losses recognized on equity securities	$	4,012	$	412
Less: Net gains and losses recognized during the period on equity securities sold during the period		3,966		511
Unrealized gains and losses recognized on equity securities still held	$	46	$	(99	)

	Nine Months Ended September 30,
(In thousands)	2019		2018
Net gains and losses recognized on equity securities	$	4,099	$	575
Less: Net gains and losses recognized during the period on equity securities sold during the period		3,966		555
Unrealized gains and losses recognized on equity securities still held	$	133	$	20

Contractual Maturities of Debt Securities

The following tables set forth information with regard to contractual maturities of debt securities at September 30, 2019:

(In thousands)	Amortized Cost		Estimated Fair Value
AFS debt securities:
Within one year	$	37	$	37
From one to five years		30,404		30,393
From five to ten years		171,485		173,220
After ten years		722,511		728,523
Total AFS debt securities	$	924,437	$	932,173
HTM debt securities:
Within one year	$	26,940	$	26,940
From one to five years		68,113		68,531
From five to ten years		179,381		183,425
After ten years		404,001		412,293
Total HTM debt securities	$	678,435	$	691,189

Allowance for Loan Losses and Credit Quality of Loans (Tables)

9 Months Ended

Sep. 30, 2019

Allowance for Loan Losses and Credit Quality of Loans [Abstract]

Portfolio and Class Segments

Portfolio	Class
Commercial Loans	Commercial and Industrial
	Commercial Real Estate
	Business Banking
Consumer Loans	Dealer Finance
	Specialty Lending
	Direct
Residential Real Estate

Allowance for Loan Losses by Portfolio

The following tables illustrate the changes in the allowance for loan losses by our portfolio segments:

(In thousands)	Commercial Loans			Consumer Loans			Residential Real Estate			Total
Balance as of June 30, 2019	$	33,152		$	36,534		$	2,479		$	72,165
Charge-offs		(865	)		(6,976	)		(174	)		(8,015	)
Recoveries		132			1,746			13			1,891
Provision		1,021			5,031			272			6,324
Ending Balance as of September 30, 2019	$	33,440		$	36,335		$	2,590		$	72,365

Balance as of June 30, 2018	$	31,059		$	36,479		$	4,912		$	72,450
Charge-offs		(823	)		(6,818	)		(123	)		(7,764	)
Recoveries		410			1,602			81			2,093
Provision		1,086			6,044			(1,104	)		6,026
Ending Balance as of September 30, 2018	$	31,732		$	37,307		$	3,766		$	72,805

(In thousands)	Commercial Loans			Consumer Loans			Residential Real Estate			Total
Balance as of December 31, 2018	$	32,759		$	37,178		$	2,568		$	72,505
Charge-offs		(2,783	)		(21,336	)		(782	)		(24,901	)
Recoveries		344			4,887			122			5,353
Provision		3,120			15,606			682			19,408
Ending Balance as of September 30, 2019	$	33,440		$	36,335		$	2,590		$	72,365

Balance as of December 31, 2017	$	27,606		$	36,830		$	5,064		$	69,500
Charge-offs		(2,535	)		(21,947	)		(513	)		(24,995	)
Recoveries		780			4,946			274			6,000
Provision		5,881			17,478			(1,059	)		22,300
Ending Balance as of September 30, 2018	$	31,732		$	37,307		$	3,766		$	72,805

The following tables illustrate the allowance for loan losses and the recorded investment by portfolio segments:

(In thousands)	Commercial Loans		Consumer Loans		Residential Real Estate		Total
As of September 30, 2019
Allowance for loan losses	$	33,440	$	36,335	$	2,590	$	72,365
Allowance for loans individually evaluated for impairment		-		-		-		-
Allowance for loans collectively evaluated for impairment	$	33,440	$	36,335	$	2,590	$	72,365
Ending balance of loans	$	3,351,201	$	2,245,688	$	1,416,920	$	7,013,809
Ending balance of originated loans individually evaluated for impairment		3,117		7,267		7,673		18,057
Ending balance of acquired loans collectively evaluated for impairment		132,811		25,421		131,457		289,689
Ending balance of originated loans collectively evaluated for impairment	$	3,215,273	$	2,213,000	$	1,277,790	$	6,706,063

As of December 31, 2018
Allowance for loan losses	$	32,759	$	37,178	$	2,568	$	72,505
Allowance for loans individually evaluated for impairment		25		-		-		25
Allowance for loans collectively evaluated for impairment	$	32,734	$	37,178	$	2,568	$	72,480
Ending balance of loans	$	3,222,310	$	2,284,563	$	1,380,836	$	6,887,709
Ending balance of originated loans individually evaluated for impairment		5,786		7,887		6,905		20,578
Ending balance of acquired loans collectively evaluated for impairment		143,690		31,624		147,277		322,591
Ending balance of originated loans collectively evaluated for impairment	$	3,072,834	$	2,245,052	$	1,226,654	$	6,544,540

Past due and Nonperforming Loans by Loan Class

The following tables set forth information with regard to past due and nonperforming loans by loan class:

(In thousands)	31-60 Days Past Due Accruing		61-90 Days Past Due Accruing		Greater Than 90 Days Past Due Accruing		Total Past Due Accruing		Nonaccrual		Current		Recorded Total Loans
As of September 30, 2019
Originated
Commercial Loans:
C&I	$	505	$	-	$	-	$	505	$	729	$	836,593	$	837,827
CRE		3,646		-		4,839		8,485		4,664		1,832,708		1,845,857
Business Banking		2,118		313		67		2,498		6,524		525,684		534,706
Total Commercial Loans	$	6,269	$	313	$	4,906	$	11,488	$	11,917	$	3,194,985	$	3,218,390
Consumer Loans:
Dealer Finance	$	11,167	$	1,965	$	1,094	$	14,226	$	2,241	$	1,179,316	$	1,195,783
Specialty Lending		3,681		1,655		1,568		6,904		-		521,601		528,505
Direct		1,778		1,090		208		3,076		2,553		490,350		495,979
Total Consumer Loans	$	16,626	$	4,710	$	2,870	$	24,206	$	4,794	$	2,191,267	$	2,220,267
Residential Real Estate	$	1,582	$	100	$	500	$	2,182	$	6,311	$	1,276,970	$	1,285,463
Total Originated Loans	$	24,477	$	5,123	$	8,276	$	37,876	$	23,022	$	6,663,222	$	6,724,120

Acquired
Commercial Loans:
C&I	$	-	$	-	$	-	$	-	$	-	$	28,823	$	28,823
CRE		-		-		-		-		-		67,853		67,853
Business Banking		445		-		-		445		366		35,324		36,135
Total Commercial Loans	$	445	$	-	$	-	$	445	$	366	$	132,000	$	132,811
Consumer Loans:
Direct	$	276	$	43	$	-	$	319	$	131	$	24,971	$	25,421
Total Consumer Loans	$	276	$	43	$	-	$	319	$	131	$	24,971	$	25,421
Residential Real Estate	$	1,102	$	-	$	66	$	1,168	$	1,104	$	129,185	$	131,457
Total Acquired Loans	$	1,823	$	43	$	66	$	1,932	$	1,601	$	286,156	$	289,689

Total Loans	$	26,300	$	5,166	$	8,342	$	39,808	$	24,623	$	6,949,378	$	7,013,809

(In thousands)	31-60 Days Past Due Accruing		61-90 Days Past Due Accruing		Greater Than 90 Days Past Due Accruing		Total Past Due Accruing		Nonaccrual		Current		Recorded Total Loans
As of December 31, 2018
Originated
Commercial Loans:
C&I	$	909	$	-	$	-	$	909	$	1,062	$	846,148	$	848,119
CRE		1,089		-		588		1,677		4,995		1,734,558		1,741,230
Business Banking		1,092		302		-		1,394		5,974		481,903		489,271
Total Commercial Loans	$	3,090	$	302	$	588	$	3,980	$	12,031	$	3,062,609	$	3,078,620
Consumer Loans:
Dealer Finance	$	14,519	$	2,300	$	1,186	$	18,005	$	1,971	$	1,196,136	$	1,216,112
Specialty Lending		3,479		1,773		1,562		6,814		-		518,114		524,928
Direct		2,962		1,437		552		4,951		2,592		504,356		511,899
Total Consumer Loans	$	20,960	$	5,510	$	3,300	$	29,770	$	4,563	$	2,218,606	$	2,252,939
Residential Real Estate	$	1,426	$	157	$	1,182	$	2,765	$	6,778	$	1,224,016	$	1,233,559
Total Originated Loans	$	25,476	$	5,969	$	5,070	$	36,515	$	23,372	$	6,505,231	$	6,565,118

Acquired
Commercial Loans:
C&I	$	-	$	-	$	-	$	-	$	-	$	26,124	$	26,124
CRE		-		-		-		-		-		84,492		84,492
Business Banking		466		288		-		754		390		31,930		33,074
Total Commercial Loans	$	466	$	288	$	-	$	754	$	390	$	142,546	$	143,690
Consumer Loans:
Dealer Finance	$	1	$	1	$	-	$	2	$	-	$	30	$	32
Direct		152		41		15		208		227		31,157		31,592
Total Consumer Loans	$	153	$	42	$	15	$	210	$	227	$	31,187	$	31,624
Residential Real Estate	$	546	$	42	$	-	$	588	$	1,498	$	145,191	$	147,277
Total Acquired Loans	$	1,165	$	372	$	15	$	1,552	$	2,115	$	318,924	$	322,591

Total Loans	$	26,641	$	6,341	$	5,085	$	38,067	$	25,487	$	6,824,155	$	6,887,709

Impaired Loans and Specific Reserve Allocations

The following table provides information on loans specifically evaluated for impairment:

	September 30, 2019						December 31, 2018
(In thousands)	Recorded Investment Balance (Book)		Unpaid Principal Balance (Legal)		Related Allowance		Recorded Investment Balance (Book)		Unpaid Principal Balance (Legal)		Related Allowance
Originated
With no related allowance recorded:
Commercial Loans:
C&I	$	78	$	304	$		$	228	$	497	$
CRE		2,046		2,046				4,312		6,330
Business Banking		993		1,412				1,013		2,001
Total Commercial Loans	$	3,117	$	3,762			$	5,553	$	8,828
Consumer Loans:
Dealer Finance	$	194	$	279			$	143	$	241
Direct		7,073		8,464				7,744		9,831
Total Consumer Loans	$	7,267	$	8,743			$	7,887	$	10,072
Residential Real Estate	$	7,673	$	9,620			$	6,905	$	9,414
Total	$	18,057	$	22,125			$	20,345	$	28,314

With an allowance recorded:
Commercial Loans:
C&I	$	-	$	-	$	-	$	233	$	238	$	25
Total Commercial Loans	$	-	$	-	$	-	$	233	$	238	$	25

Total Loans	$	18,057	$	22,125	$	-	$	20,578	$	28,552	$	25

The following tables summarize the average recorded investments on loans specifically evaluated for impairment and the interest income recognized:

	For the Three Months Ended
	September 30, 2019				September 30, 2018
(In thousands)	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
Originated
Commercial Loans:
C&I	$	115	$	-	$	433	$	-
CRE		2,554		30		3,645		32
Business Banking		1,002		7		1,024		4
Total Commercial Loans	$	3,671	$	37	$	5,102	$	36
Consumer Loans:
Dealer Finance	$	213	$	3	$	177	$	4
Direct		7,293		95		7,730		102
Total Consumer Loans	$	7,506	$	98	$	7,907	$	106
Residential Real Estate	$	7,629	$	93	$	6,519	$	68
Total Originated	$	18,806	$	228	$	19,528	$	210

Total Loans	$	18,806	$	228	$	19,528	$	210

	For the Nine Months Ended
	September 30, 2019				September 30, 2018
(In thousands)	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
Originated
Commercial Loans:
C&I	$	291	$	1	$	449	$	1
CRE		3,577		91		3,999		96
Business Banking		1,111		18		998		12
Total Commercial Loans	$	4,979	$	110	$	5,446	$	109
Consumer Loans:
Dealer Finance	$	201	$	9	$	187	$	8
Direct		7,518		291		7,953		317
Total Consumer Loans	$	7,719	$	300	$	8,140	$	325
Residential Real Estate	$	7,428	$	252	$	6,719	$	212
Total Originated	$	20,126	$	662	$	20,305	$	646

Total Loans	$	20,126	$	662	$	20,305	$	646

Financing Receivable Credit Quality by Loan Class

The following tables illustrate the Company’s credit quality by loan class:

(In thousands)	As of September 30, 2019
Originated
Commercial Credit Exposure By Internally Assigned Grade:	C&I		CRE		Total
Pass	$	771,776	$	1,762,016	$	2,533,792
Special Mention		32,992		39,368		72,360
Substandard		33,059		44,473		77,532
Total	$	837,827	$	1,845,857	$	2,683,684

Business Banking Credit Exposure By Internally Assigned Grade:	Business Banking		Total
Non-classified	$	520,830	$	520,830
Classified		13,876		13,876
Total	$	534,706	$	534,706

Consumer Credit Exposure By Payment Activity:	Dealer Finance		Specialty Lending		Direct		Total
Performing	$	1,192,448	$	526,937	$	493,218	$	2,212,603
Nonperforming		3,335		1,568		2,761		7,664
Total	$	1,195,783	$	528,505	$	495,979	$	2,220,267

Residential Real Estate Credit Exposure By Payment Activity:	Residential Real Estate		Total
Performing	$	1,278,652	$	1,278,652
Nonperforming		6,811		6,811
Total	$	1,285,463	$	1,285,463

Acquired
Commercial Credit Exposure
By Internally Assigned Grade:	C&I		CRE		Total
Pass	$	21,781	$	67,441	$	89,222
Special Mention		2,860		-		2,860
Substandard		4,182		412		4,594
Total	$	28,823	$	67,853	$	96,676

Business Banking Credit Exposure By Internally Assigned Grade:	Business Banking		Total
Non-classified	$	33,499	$	33,499
Classified		2,636		2,636
Total	$	36,135	$	36,135

Consumer Credit Exposure
By Payment Activity:	Direct		Total
Performing	$	25,290	$	25,290
Nonperforming		131		131
Total	$	25,421	$	25,421

Residential Real Estate Credit Exposure By Payment Activity:	Residential Real Estate		Total
Performing	$	130,287	$	130,287
Nonperforming		1,170		1,170
Total	$	131,457		131,457

(In thousands)	As of December 31, 2018
Originated
Commercial Credit Exposure
By Internally Assigned Grade:	C&I		CRE		Total
Pass	$	796,778	$	1,681,330	$	2,478,108
Special Mention		11,348		13,894		25,242
Substandard		39,993		46,006		85,999
Total	$	848,119	$	1,741,230	$	2,589,349

Business Banking Credit Exposure By Internally Assigned Grade:	Business Banking		Total
Non-classified	$	476,052	$	476,052
Classified		13,219		13,219
Total	$	489,271	$	489,271

Consumer Credit Exposure By Payment Activity:	Dealer Finance		Specialty Lending		Direct		Total
Performing	$	1,212,955	$	523,366	$	508,755	$	2,245,076
Nonperforming		3,157		1,562		3,144		7,863
Total	$	1,216,112	$	524,928	$	511,899	$	2,252,939

Residential Real Estate Credit Exposure By Payment Activity:	Residential Real Estate		Total
Performing	$	1,225,599	$	1,225,599
Nonperforming		7,960		7,960
Total	$	1,233,559	$	1,233,559

Acquired
Commercial Credit Exposure
By Internally Assigned Grade:	C&I		CRE		Total
Pass	$	23,283	$	83,762	$	107,045
Special Mention		2,831		92		2,923
Substandard		10		638		648
Total	$	26,124	$	84,492	$	110,616

Business Banking Credit Exposure By Internally Assigned Grade:	Business Banking		Total
Non-classified	$	29,945	$	29,945
Classified		3,129		3,129
Total	$	33,074	$	33,074

Consumer Credit Exposure By Payment Activity:	Dealer Finance		Direct		Total
Performing	$	32	$	31,350	$	31,382
Nonperforming		-		242		242
Total	$	32	$	31,592	$	31,624

Residential Real Estate Credit Exposure By Payment Activity:	Residential Real Estate		Total
Performing	$	145,779	$	145,779
Nonperforming		1,498		1,498
Total	$	147,277	$	147,277

Troubled Debt Restructurings on Financing Receivables

	Three Months Ended September 30, 2019						Three Months Ended September 30, 2018
(Dollars in thousands)	Number of Contracts		Pre- Modification Outstanding Recorded Investment		Post- Modification Outstanding Recorded Investment		Number of Contracts		Pre- Modification Outstanding Recorded Investment		Post- Modification Outstanding Recorded Investment
Consumer Loans:
Dealer Finance		-	$	-	$	-		8	$	90	$	89
Direct		1		30		37		-		-		-
Total Consumer Loans		1	$	30	$	37		8	$	90	$	89
Residential Real Estate		2	$	186	$	203		-	$	-	$	-
Total Troubled Debt Restructurings		3	$	216	$	240		8	$	90	$	89

	Nine Months Ended September 30, 2019						Nine Months Ended September 30, 2018
(Dollars in thousands)	Number of Contracts		Pre- Modification Outstanding Recorded Investment		Post- Modification Outstanding Recorded Investment		Number of Contracts		Pre- Modification Outstanding Recorded Investment		Post- Modification Outstanding Recorded Investment
Commercial Loans:
C&I		1	$	65	$	65		-	$	-	$	-
Business Banking		2		388		388		3		369		371
Total Commercial Loans		3	$	453	$	453		3	$	369	$	371
Consumer Loans:
Dealer Finance		9	$	134	$	134		15	$	185	$	183
Direct		9		418		434		2		41		41
Total Consumer Loans		18	$	552	$	568		17	$	226	$	224
Residential Real Estate		10	$	942	$	990		5	$	323	$	323
Total Troubled Debt Restructurings		31	$	1,947	$	2,011		25	$	918	$	918

The following tables illustrate the recorded investment and number of modifications for TDRs where a concession has been made and subsequently defaulted during the period:

	Three Months Ended September 30, 2019				Three Months Ended September 30, 2018
(Dollars in thousands)	Number of Contracts		Recorded Investment		Number of Contracts		Recorded Investment
Consumer Loans:
Dealer Finance		1	$	10		-	$	-
Direct		9		332		17		816
Total Consumer Loans		10	$	342		17	$	816
Residential Real Estate		9	$	572		5	$	398
Total Troubled Debt Restructurings		19	$	914		22	$	1,214

	Nine Months Ended September 30, 2019				Nine Months Ended September 30, 2018
(Dollars in thousands)	Number of Contracts		Recorded Investment		Number of Contracts		Recorded Investment
Commercial Loans:
Business Banking		-	$	-		2	$	258
Total Commercial Loans		-	$	-		2	$	258
Consumer Loans:
Dealer Finance		2	$	17		-	$	-
Direct		24		1,109		35		1,740
Total Consumer Loans		26	$	1,126		35	$	1,740
Residential Real Estate		19	$	1,087		17	$	1,239
Total Troubled Debt Restructurings		45	$	2,213		54	$	3,237

Leases (Tables)

9 Months Ended

Sep. 30, 2019

Leases [Abstract]

Net Lease Cost

The table below summarizes our net lease cost:

(In thousands)	Three Months Ended September 30, 2019			Nine Months Ended September 30, 2019
Operating lease cost	$	1,806		$	5,396
Variable lease cost		524			1,782
Short-term lease cost		86			263
Sublease income		(119	)		(332	)
Total operating lease cost	$	2,297		$	7,109

Future Minimum Rental Commitments Related to Non-cancelable Operating Leases

The table below show future minimum rental commitments related to non-cancelable operating leases for the next five years and thereafter as of September 30, 2019.

(In thousands)
2019	$	1,807
2020		7,179
2021		6,429
2022		5,590
2023		4,751
Thereafter		15,892
Total lease payments	$	41,648
Less: interest		(4,878	)
Present value of lease liabilities	$	36,770

Additional Information for Operating Leases

(In thousands except for percent and period data)	September 30, 2019
Weighted average remaining lease term, in years		7.71
Weighted average discount rate		3.03	%
Cash paid for amounts included in the measurement of lease liabilities:
Operating cash flows from operating leases	$	4,652
ROU assets obtained in exchange for lease liabilities		38,958

Future Minimum Rental Payments Related to Non-cancelable Operating Leases

The following table shows the future minimum rental payments related to non-cancelable operating leases with original terms of one year or more as of December 31, 2018.

(In thousands)
2019	$	6,890
2020		6,467
2021		5,613
2022		4,773
2023		3,972
Thereafter		13,869
Total	$	41,584

Defined Benefit Post-Retirement Plans (Tables)

9 Months Ended

Sep. 30, 2019

Defined Benefit Post-Retirement Plans [Abstract]

Net Periodic Pension Benefits and Other Benefit Costs

The components of expense for Pension Benefits and Other Benefits are set forth below:

	Pension Benefits						Other Benefits
	Three Months Ended September 30,						Three Months Ended September 30,
(In thousands)	2019			2018			2019		2018
Components of net periodic cost (benefit):
Service cost	$	431		$	415		$	1	$	3
Interest cost		986			912			67		82
Expected return on plan assets		(1,869	)		(2,119	)		-		-
Net amortization		658			242			14		44
Total net periodic cost (benefit)	$	206		$	(550	)	$	82	$	129

	Pension Benefits						Other Benefits
	Nine Months Ended September 30,						Nine Months Ended September 30,
(In thousands)	2019			2018			2019		2018
Components of net periodic cost (benefit):
Service cost	$	1,301		$	1,256		$	5	$	8
Interest cost		2,948			2,752			229		245
Expected return on plan assets		(5,615	)		(6,364	)		-		-
Net amortization		1,936			745			49		131
Total net periodic cost (benefit)	$	570		$	(1,611	)	$	283	$	384

Earnings Per Share (Tables)

9 Months Ended

Sep. 30, 2019

Earnings Per Share [Abstract]

Reconciliation of Basic and Diluted Earnings Per Share

The following is a reconciliation of basic and diluted EPS for the periods presented in the unaudited interim consolidated statements of income:

	Three Months Ended September 30,
(In thousands, except per share data)	2019		2018
Basic EPS:
Weighted average common shares outstanding		43,825		43,714
Net income available to common stockholders	$	32,379	$	29,807
Basic EPS	$	0.74	$	0.68

Diluted EPS:
Weighted average common shares outstanding		43,825		43,714
Dilutive effect of common stock options and restricted stock		313		337
Weighted average common shares and common share equivalents		44,138		44,051
Net income available to common stockholders	$	32,379	$	29,807
Diluted EPS	$	0.73	$	0.68

	Nine Months Ended September 30,
(In thousands, except per share data)	2019		2018
Basic EPS:
Weighted average common shares outstanding		43,806		43,692
Net income available to common stockholders	$	92,061	$	83,914
Basic EPS	$	2.10	$	1.92

Diluted EPS:
Weighted average common shares outstanding		43,806		43,692
Dilutive effect of common stock options and restricted stock		302		317
Weighted average common shares and common share equivalents		44,108		44,009
Net income available to common stockholders	$	92,061	$	83,914
Diluted EPS	$	2.09	$	1.91

Reclassification Adjustments Out of Other Comprehensive Income (Loss) (Tables)

9 Months Ended

Sep. 30, 2019

Reclassification Adjustments Out of Other Comprehensive Income (Loss) [Abstract]

Reclassification Out of Accumulated Other Comprehensive Income

The following table summarizes the reclassification adjustments out of accumulated other comprehensive income (loss) (“AOCI”):

Detail About AOCI Components	Amount Reclassified From AOCI						Affected Line Item in the Consolidated Statement of Comprehensive Income (Loss)
	Three Months Ended
(In thousands)	September 30, 2019			September 30, 2018
AFS securities:
Gains on AFS securities	$	(20	)	$	-		Net securities gains
Amortization of unrealized gains related to securities transfer		190			168		Interest income
Tax effect	$	(42	)	$	(42	)	Income tax (benefit)
Net of tax	$	128		$	126

Cash flow hedges:
Net unrealized (gains) on cash flow hedges reclassified to interest expense	$	(395	)	$	(638	)	Interest expense
Tax effect	$	98		$	159		Income tax expense
Net of tax	$	(297	)	$	(479	)

Pension and other benefits:
Amortization of net losses	$	649		$	263		Other noninterest expense
Amortization of prior service costs		23			23		Other noninterest expense
Tax effect	$	(168	)	$	(71	)	Income tax (benefit)
Net of tax	$	504		$	215

Total reclassifications, net of tax	$	335		$	(138	)

Detail About AOCI Components	Amount Reclassified From AOCI						Affected Line item in the Consolidated Statement of Comprehensive Income (Loss)
	Nine Months Ended
(In thousands)	September 30, 2019			September 30, 2018
AFS securities:
Losses on AFS securities	$	79		$	-		Net securities gains
Amortization of unrealized gains related to securities transfer		556			533		Interest income
Tax effect	$	(159	)	$	(133	)	Income tax (benefit)
Net of tax	$	476		$	400

Cash flow hedges:
Net unrealized (gains) on cash flow hedges reclassified to interest expense	$	(1,932	)	$	(1,537	)	Interest expense
Tax effect	$	483		$	384		Income tax expense
Net of tax	$	(1,449	)	$	(1,153	)

Pension and other benefits:
Amortization of net losses	$	1,916		$	809		Other noninterest expense
Amortization of prior service costs		69			67		Other noninterest expense
Tax effect	$	(496	)	$	(219	)	Income tax (benefit)
Net of tax	$	1,489		$	657

Total reclassifications, net of tax	$	516		$	(96	)

Derivative Instruments and Hedging Activities (Tables)

9 Months Ended

Sep. 30, 2019

Derivative Instruments and Hedging Activities Disclosures [Line Items]

Fair Value Adjustment Recorded Related to Notional Amount of Derivatives Outstanding and Notional Amount of Risk Participation Agreements

The following table depicts the fair value adjustment recorded related to the notional amount of derivatives outstanding as well as the notional amount of risk participation agreements:

	September 30,		December 31,
(In thousands)	2019		2018
Derivatives Not Designated as Hedging Instruments:
Fair value adjustment included in other assets and other liabilities
Interest rate derivatives	$	52,925	$	17,572
Notional amount:
Interest rate derivatives		793,805		653,369
Risk participation agreements		72,496		70,785
Derivatives Designated as Hedging Instruments:
Fair value adjustment included in other assets
Interest rate derivatives		142		2,428
Fair value adjustment included in other liabilities
Interest rate derivatives		61		-
Notional amount:
Interest rate derivatives		100,000		225,000

Designated as Hedging Instrument [Member] | Cash Flow Hedging [Member]

Derivative Instruments and Hedging Activities Disclosures [Line Items]

Effect of Derivatives on AOCI and on Consolidated Statement of Income

The following table indicates the effect of cash flow hedge accounting on AOCI and on the unaudited interim consolidated statement of income:

	Three Months Ended September 30,						Nine Months Ended September 30,
(In thousands)	2019			2018			2019			2018
Derivatives Designated as Hedging Instruments:
Interest rate derivatives - included component
Amount of (loss) or gain recognized in OCI	$	9		$	175		$	(475	)	$	1,647
Amount of (gain) reclassified from AOCI into interest expense		(395	)		(638	)		(1,932	)		(1,537	)

Not Designated as Hedging Instrument [Member]

Derivative Instruments and Hedging Activities Disclosures [Line Items]

Effect of Derivatives on AOCI and on Consolidated Statement of Income

The following table indicates the gain or loss recognized in income on derivatives not designated as a hedging relationship:

	Three Months Ended September 30,						Nine Months Ended September 30,
(In thousands)	2019			2018			2019		2018
Derivatives Not Designated as Hedging Instruments:
(Decrease) increase in other income	$	(10	)	$	(13	)	$	96	$	110

Fair Value Measurements and Fair Value of Financial Instruments (Tables)

9 Months Ended

Sep. 30, 2019

Fair Value Measurements and Fair Value of Financial Instruments [Abstract]

Fair Value of Financial Assets and Liabilities Measured on a Recurring Basis

(In thousands)	Level 1		Level 2		Level 3		September 30, 2019
Assets:
AFS securities:
Federal agency	$	-	$	29,831	$	-	$	29,831
State & municipal		-		9		-		9
Mortgage-backed		-		483,510		-		483,510
Collateralized mortgage obligations		-		418,823		-		418,823
Total AFS securities	$	-	$	932,173	$	-	$	932,173
Equity securities		22,818		4,000		-		26,818
Derivatives		-		53,148		-		53,148
Total	$	22,818	$	989,321	$	-	$	1,012,139

Liabilities:
Derivatives	$	-	$	53,102	$	-	$	53,102
Total	$	-	$	53,102	$	-	$	53,102

(In thousands)	Level 1		Level 2		Level 3		December 31, 2018
Assets:
AFS securities:
Federal agency	$	-	$	84,299	$	-	$	84,299
State & municipal		-		29,915		-		29,915
Mortgage-backed		-		512,295		-		512,295
Collateralized mortgage obligations		-		371,987		-		371,987
Total AFS securities	$	-	$	998,496	$	-	$	998,496
Equity securities		19,053		4,000		-		23,053
Derivatives		-		20,000		-		20,000
Total	$	19,053	$	1,022,496	$	-	$	1,041,549

Liabilities:
Derivatives	$	-	$	17,572	$	-	$	17,572
Total	$	-	$	17,572	$	-	$	17,572

Information with Regard to Estimated Fair Values of Financial Instruments

			September 30, 2019				December 31, 2018
(In thousands)	Fair Value Hierarchy		Carrying Amount		Estimated Fair Value		Carrying Amount		Estimated Fair Value
Financial assets:
HTM securities		2	$	678,435	$	691,189	$	783,599	$	778,675
Net loans		3		6,959,430		6,917,768		6,822,147		6,754,460
Financial liabilities:
Time deposits		2	$	860,291	$	857,455	$	930,678	$	920,534
Long-term debt		2		84,239		84,609		73,724		73,927
Junior subordinated debt		2		101,196		104,311		101,196		100,114

Securities, Available for Sale (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018	Dec. 31, 2018
Debt securities, available-for-sale [Abstract]
Amortized cost	$ 924,437		$ 924,437		$ 1,017,626
Unrealized gains	8,886		8,886		1,216
Unrealized losses	1,150		1,150		20,346
Estimated fair value	932,173		932,173		998,496
Sales transactions of securities available for sale [Abstract]
Gross realized gains	20	$ 0	73	$ 0
Gross realized (losses)	0	0	(152)	0
Net AFS realized gains (losses)	20	0	(79)	0
Gains from calls on securities available for sale	20	0	25	0
OTTI loss realized on debt investment	0	$ 0	0	$ 0
Federal Agency [Member]
Debt securities, available-for-sale [Abstract]
Amortized cost	29,998		29,998		84,982
Unrealized gains	0		0		10
Unrealized losses	167		167		693
Estimated fair value	29,831		29,831		84,299
State & Municipal [Member]
Debt securities, available-for-sale [Abstract]
Amortized cost	9		9		30,136
Unrealized gains	0		0		16
Unrealized losses	0		0		237
Estimated fair value	9		9		29,915
Mortgage-Backed, Government Sponsored Enterprises [Member]
Debt securities, available-for-sale [Abstract]
Amortized cost	433,393		433,393		493,225
Unrealized gains	4,494		4,494		439
Unrealized losses	292		292		10,354
Estimated fair value	437,595		437,595		483,310
Mortgage-Backed, U.S. Government Agency Securities [Member]
Debt securities, available-for-sale [Abstract]
Amortized cost	44,912		44,912		29,190
Unrealized gains	1,021		1,021		270
Unrealized losses	18		18		475
Estimated fair value	45,915		45,915		28,985
Collateralized Mortgage Obligations, Government-Sponsored Enterprises [Member]
Debt securities, available-for-sale [Abstract]
Amortized cost	343,682		343,682		332,409
Unrealized gains	2,484		2,484		344
Unrealized losses	456		456		7,211
Estimated fair value	345,710		345,710		325,542
Collateralized Mortgage Obligations, U.S. Government Agency Securities [Member]
Debt securities, available-for-sale [Abstract]
Amortized cost	72,443		72,443		47,684
Unrealized gains	887		887		137
Unrealized losses	217		217		1,376
Estimated fair value	$ 73,113		$ 73,113		$ 46,445

Securities, Held to Maturity (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018	Dec. 31, 2018
Held-to-maturity securities, fair value to amortized cost [Abstract]
Amortized cost	$ 678,435		$ 678,435		$ 783,599
Unrealized gains	13,324		13,324		3,362
Unrealized losses	570		570		8,286
Estimated fair value	691,189		691,189		778,675
Gains from calls on HTM securities	4	$ 0	4	$ 0
Amortized costs of securities available for sale and held to maturity pledged to secure public deposits	1,400,000		1,400,000		1,500,000
Amortized costs of securities AFS and HTM pledged as collateral for repurchase agreements	186,300		186,300		215,300
Federal Agency [Member]
Held-to-maturity securities, fair value to amortized cost [Abstract]
Amortized cost	10,000		10,000		19,995
Unrealized gains	6		6		52
Unrealized losses	0		0		0
Estimated fair value	10,006		10,006		20,047
Mortgage-Backed, Government Sponsored Enterprises [Member]
Held-to-maturity securities, fair value to amortized cost [Abstract]
Amortized cost	154,701		154,701		164,618
Unrealized gains	3,139		3,139		712
Unrealized losses	127		127		2,773
Estimated fair value	157,713		157,713		162,557
Mortgage-Backed, U.S. Government Agency Securities [Member]
Held-to-maturity securities, fair value to amortized cost [Abstract]
Amortized cost	13,679		13,679		15,230
Unrealized gains	785		785		403
Unrealized losses	0		0		0
Estimated fair value	14,464		14,464		15,633
Collateralized Mortgage Obligations, Government-Sponsored Enterprises [Member]
Held-to-maturity securities, fair value to amortized cost [Abstract]
Amortized cost	213,409		213,409		257,475
Unrealized gains	2,849		2,849		1,097
Unrealized losses	365		365		3,897
Estimated fair value	215,893		215,893		254,675
Collateralized Mortgage Obligations, U.S. Government Agency Securities [Member]
Held-to-maturity securities, fair value to amortized cost [Abstract]
Amortized cost	112,974		112,974		83,148
Unrealized gains	4,001		4,001		767
Unrealized losses	64		64		0
Estimated fair value	116,911		116,911		83,915
State & Municipal [Member]
Held-to-maturity securities, fair value to amortized cost [Abstract]
Amortized cost	173,672		173,672		243,133
Unrealized gains	2,544		2,544		331
Unrealized losses	14		14		1,616
Estimated fair value	$ 176,202		$ 176,202		$ 241,848

Securities, AFS Securities in Continuous Unrealized Loss Position (Details) $ in Thousands	Sep. 30, 2019 USD ($) Position	Dec. 31, 2018 USD ($) Position
Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months	$ 116,254	$ 32,295
12 months or longer	121,788	835,966
Total	238,042	868,261
Unrealized Loss Position, Unrealized Losses [Abstract]
Less than 12 months	(272)	(137)
12 months or longer	(878)	(20,209)
Total	$ (1,150)	$ (20,346)
Unrealized Loss Position, Number of Positions [Abstract]
Less than 12 months \| Position	31	20
12 months or longer \| Position	40	204
Total \| Position	71	224
Federal Agency [Member]
Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months	$ 19,965	$ 0
12 months or longer	9,866	64,294
Total	29,831	64,294
Unrealized Loss Position, Unrealized Losses [Abstract]
Less than 12 months	(33)	0
12 months or longer	(134)	(693)
Total	$ (167)	$ (693)
Unrealized Loss Position, Number of Positions [Abstract]
Less than 12 months \| Position	2	0
12 months or longer \| Position	1	6
Total \| Position	3	6
State & Municipal [Member]
Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months		$ 1,715
12 months or longer		22,324
Total		24,039
Unrealized Loss Position, Unrealized Losses [Abstract]
Less than 12 months		(3)
12 months or longer		(234)
Total		$ (237)
Unrealized Loss Position, Number of Positions [Abstract]
Less than 12 months \| Position		3
12 months or longer \| Position		35
Total \| Position		38
Mortgage-Backed [Member]
Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months	$ 36,017	$ 18,462
12 months or longer	39,394	428,440
Total	75,411	446,902
Unrealized Loss Position, Unrealized Losses [Abstract]
Less than 12 months	(69)	(65)
12 months or longer	(241)	(10,764)
Total	$ (310)	$ (10,829)
Unrealized Loss Position, Number of Positions [Abstract]
Less than 12 months \| Position	18	12
12 months or longer \| Position	16	101
Total \| Position	34	113
Collateralized Mortgage Obligations [Member]
Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months	$ 60,272	$ 12,118
12 months or longer	72,528	320,908
Total	132,800	333,026
Unrealized Loss Position, Unrealized Losses [Abstract]
Less than 12 months	(170)	(69)
12 months or longer	(503)	(8,518)
Total	$ (673)	$ (8,587)
Unrealized Loss Position, Number of Positions [Abstract]
Less than 12 months \| Position	11	5
12 months or longer \| Position	23	62
Total \| Position	34	67

Securities, HTM Securities in Continuous Unrealized Loss Position (Details) $ in Thousands	Sep. 30, 2019 USD ($) Position	Dec. 31, 2018 USD ($) Position
Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months	$ 24,103	$ 23,293
12 months or longer	50,544	286,233
Total	74,647	309,526
Unrealized Loss Position, Unrealized Losses [Abstract]
Less than 12 months	(143)	(91)
12 months or longer	(427)	(8,195)
Total	$ (570)	$ (8,286)
Unrealized Loss Position, Number of Positions [Abstract]
Less than 12 months \| Position	11	32
12 months or longer \| Position	7	118
Total \| Position	18	150
Mortgage-Backed [Member]
Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months	$ 0	$ 0
12 months or longer	26,836	82,579
Total	26,836	82,579
Unrealized Loss Position, Unrealized Losses [Abstract]
Less than 12 months	0	0
12 months or longer	(127)	(2,773)
Total	$ (127)	$ (2,773)
Unrealized Loss Position, Number of Positions [Abstract]
Less than 12 months \| Position	0	0
12 months or longer \| Position	2	6
Total \| Position	2	6
Collateralized Mortgage Obligations [Member]
Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months	$ 18,656	$ 4,386
12 months or longer	23,708	145,396
Total	42,364	149,782
Unrealized Loss Position, Unrealized Losses [Abstract]
Less than 12 months	(129)	(7)
12 months or longer	(300)	(3,890)
Total	$ (429)	$ (3,897)
Unrealized Loss Position, Number of Positions [Abstract]
Less than 12 months \| Position	3	2
12 months or longer \| Position	5	26
Total \| Position	8	28
State & Municipal [Member]
Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months	$ 5,447	$ 18,907
12 months or longer	0	58,258
Total	5,447	77,165
Unrealized Loss Position, Unrealized Losses [Abstract]
Less than 12 months	(14)	(84)
12 months or longer	0	(1,532)
Total	$ (14)	$ (1,616)
Unrealized Loss Position, Number of Positions [Abstract]
Less than 12 months \| Position	8	30
12 months or longer \| Position	0	86
Total \| Position	8	116

Securities, Unrealized Gains (Losses) Related to Equity Securities (Details) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019 USD ($) Issuer	Sep. 30, 2018 USD ($)	Sep. 30, 2019 USD ($) Issuer	Sep. 30, 2018 USD ($)	Dec. 31, 2018 USD ($) Issuer
Gains and losses on equity securities [Abstract]
Net gains and losses recognized on equity securities	$ 4,012	$ 412	$ 4,099	$ 575
Less: Net gains and losses recognized during the period on equity securities sold during the period	3,966	511	3,966	555
Unrealized gains and losses recognized on equity securities still held	46	(99)	133	20
Carrying amount of equity securities without readily determinable fair values	4,000		4,000		$ 4,000
Impairment adjustments of equity securities without readily determinable fair values	0	0	0	0
Downward adjustments of equity securities without readily determinable fair values	0	0	0	0
Upward adjustments of equity securities without readily determinable fair values	$ 0	$ 0	$ 0	$ 0
Number of issuers whose holdings exceeded 10% of consolidated stockholders' equity, excluding U.S. Government securities \| Issuer	0		0		0
Visa Class B Common Stock [Member]
Gains and losses on equity securities [Abstract]
Gain from sale of equity securities	$ 4,000		$ 4,000

Securities, AFS Debt Securities, Contractual Maturities (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Available-for-sale Securities, Debt Maturities, Amortized Cost [Abstract]
Within one year	$ 37
From one to five years	30,404
From five to ten years	171,485
After ten years	722,511
Amortized cost	924,437	$ 1,017,626
Available-for-sale Securities, Debt Maturities, Estimated Fair Value [Abstract]
Within one year	37
From one to five years	30,393
From five to ten years	173,220
After ten years	728,523
Fair value	$ 932,173	$ 998,496

Securities, HTM Debt Securities, Contractual Maturities (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Held-to-maturity Securities, Debt Maturities, Amortized Cost [Abstract]
Within one year	$ 26,940
From one to five years	68,113
From five to ten years	179,381
After ten years	404,001
Amortized cost	678,435	$ 783,599
Held-to-maturity Securities, Debt Maturities, Estimated Fair Value [Abstract]
Within one year	26,940
From one to five years	68,531
From five to ten years	183,425
After ten years	412,293
Fair value	$ 691,189	$ 778,675

Allowance for Loan Losses and Credit Quality of Loans (Details) $ in Millions	9 Months Ended
	Sep. 30, 2019 USD ($) Segment
Allowance for Loan Losses [Abstract]
Loan portfolio segments \| Segment	3
Commercial Loans [Member] \| Commercial Real Estate [Member] \| Maximum [Member]
Allowance for Loan Losses [Abstract]
Loan amount, percentage of appraised value or purchase price of the property	80.00%
Commercial Loans [Member] \| Business Banking [Member] \| Maximum [Member]
Allowance for Loan Losses [Abstract]
Business banking loans, amount available \| $	$ 1.0
Consumer Loans [Member] \| Dealer Finance [Member]
Allowance for Loan Losses [Abstract]
Percentage of automobile financing to indirect relationships with dealers	95.00%
Consumer Loans [Member] \| Dealer Finance [Member] \| Minimum [Member]
Allowance for Loan Losses [Abstract]
Principal repayment term of loan	3 years
Consumer Loans [Member] \| Dealer Finance [Member] \| Maximum [Member]
Allowance for Loan Losses [Abstract]
Principal repayment term of loan	6 years
Consumer Loans [Member] \| Direct [Member] \| Minimum [Member]
Allowance for Loan Losses [Abstract]
Principal repayment term of loan	1 year
Consumer Loans [Member] \| Direct [Member] \| Maximum [Member]
Allowance for Loan Losses [Abstract]
Principal repayment term of loan	10 years
Consumer Loans [Member] \| Home Equity [Member]
Allowance for Loan Losses [Abstract]
Term of draw	10 years
Term of amortization	15 years
Consumer Loans [Member] \| Home Equity [Member] \| Maximum [Member]
Allowance for Loan Losses [Abstract]
Loan amount, percentage of equity in property	85.00%
Residential Real Estate [Member] \| Maximum [Member]
Allowance for Loan Losses [Abstract]
Loan amount, percentage of appraised value or purchase price of the property	85.00%

Allowance for Loan Losses and Credit Quality of Loans, Allowance for Loan Losses by Portfolio Segments (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Changes in allowance for loan losses by portfolio segment [Roll Forward]
Balance, beginning of period	$ 72,165	$ 72,450	$ 72,505	$ 69,500
Charge-offs	(8,015)	(7,764)	(24,901)	(24,995)
Recoveries	1,891	2,093	5,353	6,000
Provision	6,324	6,026	19,408	22,300
Balance, end of period	72,365	72,805	72,365	72,805
Commercial Loans [Member]
Changes in allowance for loan losses by portfolio segment [Roll Forward]
Balance, beginning of period	33,152	31,059	32,759	27,606
Charge-offs	(865)	(823)	(2,783)	(2,535)
Recoveries	132	410	344	780
Provision	1,021	1,086	3,120	5,881
Balance, end of period	33,440	31,732	33,440	31,732
Consumer Loans [Member]
Changes in allowance for loan losses by portfolio segment [Roll Forward]
Balance, beginning of period	36,534	36,479	37,178	36,830
Charge-offs	(6,976)	(6,818)	(21,336)	(21,947)
Recoveries	1,746	1,602	4,887	4,946
Provision	5,031	6,044	15,606	17,478
Balance, end of period	36,335	37,307	36,335	37,307
Residential Real Estate [Member]
Changes in allowance for loan losses by portfolio segment [Roll Forward]
Balance, beginning of period	2,479	4,912	2,568	5,064
Charge-offs	(174)	(123)	(782)	(513)
Recoveries	13	81	122	274
Provision	272	(1,104)	682	(1,059)
Balance, end of period	2,590	3,766	2,590	3,766
Acquired Loans [Member]
Changes in allowance for loan losses by portfolio segment [Roll Forward]
Balance, beginning of period			0
Charge-offs	0	$ 0	(100)	$ (100)
Balance, end of period	$ 0		$ 0

Allowance for Loan Losses and Credit Quality of Loans, Allowance for Loan Losses and Recorded Investment in Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Jun. 30, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Dec. 31, 2017
Allowance for loan losses and recorded investment by portfolio segment [Abstract]
Allowance for loan losses	$ 72,365	$ 72,165	$ 72,505	$ 72,805	$ 72,450	$ 69,500
Allowance for loans individually evaluated for impairment	0		25
Allowance for loans collectively evaluated for impairment	72,365		72,480
Ending balance of loans	7,013,809		6,887,709
Commercial Loans [Member]
Allowance for loan losses and recorded investment by portfolio segment [Abstract]
Allowance for loan losses	33,440	33,152	32,759	31,732	31,059	27,606
Allowance for loans individually evaluated for impairment	0		25
Allowance for loans collectively evaluated for impairment	33,440		32,734
Ending balance of loans	3,351,201		3,222,310
Consumer Loans [Member]
Allowance for loan losses and recorded investment by portfolio segment [Abstract]
Allowance for loan losses	36,335	36,534	37,178	37,307	36,479	36,830
Allowance for loans individually evaluated for impairment	0		0
Allowance for loans collectively evaluated for impairment	36,335		37,178
Ending balance of loans	2,245,688		2,284,563
Residential Real Estate [Member]
Allowance for loan losses and recorded investment by portfolio segment [Abstract]
Allowance for loan losses	2,590	$ 2,479	2,568	$ 3,766	$ 4,912	$ 5,064
Allowance for loans individually evaluated for impairment	0		0
Allowance for loans collectively evaluated for impairment	2,590		2,568
Ending balance of loans	1,416,920		1,380,836
Originated Loans [Member]
Allowance for loan losses and recorded investment by portfolio segment [Abstract]
Ending balance of loans	6,724,120		6,565,118
Ending balance of loans individually evaluated for impairment	18,057		20,578
Ending balance of loans collectively evaluated for impairment	6,706,063		6,544,540
Originated Loans [Member] \| Commercial Loans [Member]
Allowance for loan losses and recorded investment by portfolio segment [Abstract]
Ending balance of loans	3,218,390		3,078,620
Ending balance of loans individually evaluated for impairment	3,117		5,786
Ending balance of loans collectively evaluated for impairment	3,215,273		3,072,834
Originated Loans [Member] \| Consumer Loans [Member]
Allowance for loan losses and recorded investment by portfolio segment [Abstract]
Ending balance of loans	2,220,267		2,252,939
Ending balance of loans individually evaluated for impairment	7,267		7,887
Ending balance of loans collectively evaluated for impairment	2,213,000		2,245,052
Originated Loans [Member] \| Residential Real Estate [Member]
Allowance for loan losses and recorded investment by portfolio segment [Abstract]
Ending balance of loans	1,285,463		1,233,559
Ending balance of loans individually evaluated for impairment	7,673		6,905
Ending balance of loans collectively evaluated for impairment	1,277,790		1,226,654
Acquired Loans [Member]
Allowance for loan losses and recorded investment by portfolio segment [Abstract]
Allowance for loan losses	0		0
Ending balance of loans	289,689		322,591
Ending balance of loans collectively evaluated for impairment	289,689		322,591
Acquired Loans [Member] \| Commercial Loans [Member]
Allowance for loan losses and recorded investment by portfolio segment [Abstract]
Ending balance of loans	132,811		143,690
Ending balance of loans collectively evaluated for impairment	132,811		143,690
Acquired Loans [Member] \| Consumer Loans [Member]
Allowance for loan losses and recorded investment by portfolio segment [Abstract]
Ending balance of loans	25,421		31,624
Ending balance of loans collectively evaluated for impairment	25,421		31,624
Acquired Loans [Member] \| Residential Real Estate [Member]
Allowance for loan losses and recorded investment by portfolio segment [Abstract]
Ending balance of loans	131,457		147,277
Ending balance of loans collectively evaluated for impairment	$ 131,457		$ 147,277

Allowance for Loan Losses and Credit Quality of Loans, Impaired Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Jun. 30, 2019	Dec. 31, 2018
Allowance for Loan Losses and Credit Quality of Loans [Abstract]
Threshold balance for classified loans to be evaluated individually for impairment	$ 1,000	$ 750
Total Loans [Abstract]
Recorded investment balance (book)	18,057		$ 20,578
Unpaid principal balance (legal)	22,125		28,552
Related allowance	0		25
Acquired impaired loans specifically evaluated for impairment	0		0
Originated Loans [Member]
With no related allowance recorded [Abstract]
Recorded investment balance (book)	18,057		20,345
Unpaid principal balance (legal)	22,125		28,314
Originated Loans [Member] \| Commercial Loans [Member]
With no related allowance recorded [Abstract]
Recorded investment balance (book)	3,117		5,553
Unpaid principal balance (legal)	3,762		8,828
With an allowance recorded [Abstract]
Recorded investment balance (book)	0		233
Unpaid principal balance (legal)	0		238
Total Loans [Abstract]
Related allowance	0		25
Originated Loans [Member] \| Commercial Loans [Member] \| C&I [Member]
With no related allowance recorded [Abstract]
Recorded investment balance (book)	78		228
Unpaid principal balance (legal)	304		497
With an allowance recorded [Abstract]
Recorded investment balance (book)	0		233
Unpaid principal balance (legal)	0		238
Total Loans [Abstract]
Related allowance	0		25
Originated Loans [Member] \| Commercial Loans [Member] \| CRE [Member]
With no related allowance recorded [Abstract]
Recorded investment balance (book)	2,046		4,312
Unpaid principal balance (legal)	2,046		6,330
Originated Loans [Member] \| Commercial Loans [Member] \| Business Banking [Member]
With no related allowance recorded [Abstract]
Recorded investment balance (book)	993		1,013
Unpaid principal balance (legal)	1,412		2,001
Originated Loans [Member] \| Consumer Loans [Member]
With no related allowance recorded [Abstract]
Recorded investment balance (book)	7,267		7,887
Unpaid principal balance (legal)	8,743		10,072
Originated Loans [Member] \| Consumer Loans [Member] \| Dealer Finance [Member]
With no related allowance recorded [Abstract]
Recorded investment balance (book)	194		143
Unpaid principal balance (legal)	279		241
Originated Loans [Member] \| Consumer Loans [Member] \| Direct [Member]
With no related allowance recorded [Abstract]
Recorded investment balance (book)	7,073		7,744
Unpaid principal balance (legal)	8,464		9,831
Originated Loans [Member] \| Residential Real Estate [Member]
With no related allowance recorded [Abstract]
Recorded investment balance (book)	7,673		6,905
Unpaid principal balance (legal)	$ 9,620		$ 9,414

Allowance for Loan Losses and Credit Quality of Loans, Average Recorded Investments on Loans Specifically Evaluated for Impairment and Interest Income Recognized (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Average Recorded Investment and Interest Income Recognized [Abstract]
Average recorded investment	$ 18,806	$ 19,528	$ 20,126	$ 20,305
Interest income recognized	228	210	662	646
Originated Loans [Member]
Average Recorded Investment and Interest Income Recognized [Abstract]
Average recorded investment	18,806	19,528	20,126	20,305
Interest income recognized	228	210	662	646
Originated Loans [Member] \| Commercial Loans [Member]
Average Recorded Investment and Interest Income Recognized [Abstract]
Average recorded investment	3,671	5,102	4,979	5,446
Interest income recognized	37	36	110	109
Originated Loans [Member] \| Commercial Loans [Member] \| C&I [Member]
Average Recorded Investment and Interest Income Recognized [Abstract]
Average recorded investment	115	433	291	449
Interest income recognized	0	0	1	1
Originated Loans [Member] \| Commercial Loans [Member] \| CRE [Member]
Average Recorded Investment and Interest Income Recognized [Abstract]
Average recorded investment	2,554	3,645	3,577	3,999
Interest income recognized	30	32	91	96
Originated Loans [Member] \| Commercial Loans [Member] \| Business Banking [Member]
Average Recorded Investment and Interest Income Recognized [Abstract]
Average recorded investment	1,002	1,024	1,111	998
Interest income recognized	7	4	18	12
Originated Loans [Member] \| Consumer Loans [Member]
Average Recorded Investment and Interest Income Recognized [Abstract]
Average recorded investment	7,506	7,907	7,719	8,140
Interest income recognized	98	106	300	325
Originated Loans [Member] \| Consumer Loans [Member] \| Dealer Finance [Member]
Average Recorded Investment and Interest Income Recognized [Abstract]
Average recorded investment	213	177	201	187
Interest income recognized	3	4	9	8
Originated Loans [Member] \| Consumer Loans [Member] \| Direct [Member]
Average Recorded Investment and Interest Income Recognized [Abstract]
Average recorded investment	7,293	7,730	7,518	7,953
Interest income recognized	95	102	291	317
Originated Loans [Member] \| Residential Real Estate [Member]
Average Recorded Investment and Interest Income Recognized [Abstract]
Average recorded investment	7,629	6,519	7,428	6,719
Interest income recognized	$ 93	$ 68	$ 252	$ 212

Allowance for Loan Losses and Credit Quality of Loans, Troubled Debt Restructuring (Details) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019 USD ($) Contract	Sep. 30, 2018 USD ($) Contract	Sep. 30, 2019 USD ($) Contract	Sep. 30, 2018 USD ($) Contract
Troubled Debt Restructured Loans [Abstract]
Number of contracts \| Contract	3	8	31	25
Pre-modification outstanding recorded investment	$ 216	$ 90	$ 1,947	$ 918
Post-modification outstanding recorded investment	$ 240	$ 89	$ 2,011	$ 918
Number of contracts \| Contract	19	22	45	54
Recorded Investment	$ 914	$ 1,214	$ 2,213	$ 3,237
Commercial Loans [Member]
Troubled Debt Restructured Loans [Abstract]
Number of contracts \| Contract			3	3
Pre-modification outstanding recorded investment			$ 453	$ 369
Post-modification outstanding recorded investment			$ 453	$ 371
Number of contracts \| Contract			0	2
Recorded Investment			$ 0	$ 258
Commercial Loans [Member] \| C&I [Member]
Troubled Debt Restructured Loans [Abstract]
Number of contracts \| Contract			1	0
Pre-modification outstanding recorded investment			$ 65	$ 0
Post-modification outstanding recorded investment			$ 65	$ 0
Commercial Loans [Member] \| Business Banking [Member]
Troubled Debt Restructured Loans [Abstract]
Number of contracts \| Contract			2	3
Pre-modification outstanding recorded investment			$ 388	$ 369
Post-modification outstanding recorded investment			$ 388	$ 371
Number of contracts \| Contract			0	2
Recorded Investment			$ 0	$ 258
Consumer Loans [Member]
Troubled Debt Restructured Loans [Abstract]
Number of contracts \| Contract	1	8	18	17
Pre-modification outstanding recorded investment	$ 30	$ 90	$ 552	$ 226
Post-modification outstanding recorded investment	$ 37	$ 89	$ 568	$ 224
Number of contracts \| Contract	10	17	26	35
Recorded Investment	$ 342	$ 816	$ 1,126	$ 1,740
Consumer Loans [Member] \| Dealer Finance [Member]
Troubled Debt Restructured Loans [Abstract]
Number of contracts \| Contract	0	8	9	15
Pre-modification outstanding recorded investment	$ 0	$ 90	$ 134	$ 185
Post-modification outstanding recorded investment	$ 0	$ 89	$ 134	$ 183
Number of contracts \| Contract	1	0	2	0
Recorded Investment	$ 10	$ 0	$ 17	$ 0
Consumer Loans [Member] \| Direct [Member]
Troubled Debt Restructured Loans [Abstract]
Number of contracts \| Contract	1	0	9	2
Pre-modification outstanding recorded investment	$ 30	$ 0	$ 418	$ 41
Post-modification outstanding recorded investment	$ 37	$ 0	$ 434	$ 41
Number of contracts \| Contract	9	17	24	35
Recorded Investment	$ 332	$ 816	$ 1,109	$ 1,740
Residential Real Estate [Member]
Troubled Debt Restructured Loans [Abstract]
Number of contracts \| Contract	2	0	10	5
Pre-modification outstanding recorded investment	$ 186	$ 0	$ 942	$ 323
Post-modification outstanding recorded investment	$ 203	$ 0	$ 990	$ 323
Number of contracts \| Contract	9	5	19	17
Recorded Investment	$ 572	$ 398	$ 1,087	$ 1,239

Leases (Details) - USD ($) $ in Thousands	3 Months Ended	9 Months Ended
Leases (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Sep. 30, 2019	Dec. 31, 2018
Leases [Abstract]
Operating lease ROU assets	$ 34,300	$ 34,300
Net Lease Cost [Abstract]
Operating lease cost	1,806	5,396
Variable lease cost	524	1,782
Short-term lease cost	86	263
Sublease income	(119)	(332)
Total operating lease cost	2,297	7,109
Future Minimum Rental Commitments Related to Non-cancelable Operating Leases [Abstract]
2019	1,807	1,807
2020	7,179	7,179
2021	6,429	6,429
2022	5,590	5,590
2023	4,751	4,751
Thereafter	15,892	15,892
Total lease payments	41,648	41,648
Less: interest	(4,878)	(4,878)
Present value of lease liabilities	$ 36,770	$ 36,770
Additional Information Related to Operating Leases [Abstract]
Weighted average remaining lease term, in years	7 years 8 months 15 days	7 years 8 months 15 days
Weighted average discount rate	3.03%	3.03%
Cash paid for amounts included in the measurement of lease liabilities [Abstract]
Operating cash flows from operating leases		$ 4,652
ROU assets obtained in exchange for lease liabilities		$ 38,958
Future Minimum Rental Payments Related to Non-cancelable Operating Leases with Original Terms of One Year or More [Abstract]
2019			$ 6,890
2020			6,467
2021			5,613
2022			4,773
2023			3,972
Thereafter			13,869
Total			$ 41,584

Defined Benefit Post-Retirement Plans (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Defined Benefit Post-Retirement Plans [Abstract]
Employer contributions	$ 0	$ 0	$ 0	$ 0
Pension Benefits [Member]
Components of net periodic cost (benefit) [Abstract]
Service cost	431	415	1,301	1,256
Interest cost	986	912	2,948	2,752
Expected return on plan assets	(1,869)	(2,119)	(5,615)	(6,364)
Net amortization	658	242	1,936	745
Total net periodic cost (benefit)	206	(550)	570	(1,611)
Other Benefits [Member]
Components of net periodic cost (benefit) [Abstract]
Service cost	1	3	5	8
Interest cost	67	82	229	245
Expected return on plan assets	0	0	0	0
Net amortization	14	44	49	131
Total net periodic cost (benefit)	$ 82	$ 129	$ 283	$ 384

Earnings Per Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Basic EPS [Abstract]
Weighted average common shares outstanding (in shares)	43,825,000	43,714,000	43,806,000	43,692,000
Net income available to common stockholders	$ 32,379	$ 29,807	$ 92,061	$ 83,914
Basic EPS (in dollars per share)	$ 0.74	$ 0.68	$ 2.10	$ 1.92
Diluted EPS [Abstract]
Weighted average common shares outstanding (in shares)	43,825,000	43,714,000	43,806,000	43,692,000
Dilutive effect of common stock options and restricted stock (in shares)	313,000	337,000	302,000	317,000
Weighted average common shares and common share equivalents (in shares)	44,138,000	44,051,000	44,108,000	44,009,000
Net income available to common stockholders	$ 32,379	$ 29,807	$ 92,061	$ 83,914
Diluted EPS (in dollars per share)	$ 0.73	$ 0.68	$ 2.09	$ 1.91
Stock Options [Member]
Earnings Per Share [Abstract]
Stock options excluded from calculation of diluted EPS (in shares)	1,500	1,500	1,500	1,500

Reclassification Adjustments Out of Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Reclassification Adjustment out of Accumulated Other Comprehensive Income (Loss) [Abstract]
Net securities gains	$ 4,036	$ 412	$ 4,024	$ 575
Interest income (expense)	78,054	77,527	234,372	226,754
Other noninterest expense	8,374	4,577	18,130	13,324
Income tax expense (benefit)	9,322	8,578	26,245	23,699
Net income	32,379	29,807	92,061	83,914
Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income (Loss) [Abstract]
Total reclassifications during the period, net of tax	335	(138)	516	(96)
Accumulated Net Unrealized Investment Gain (Loss) [Member] \| Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income (Loss) [Abstract]
Income tax expense (benefit)	(42)	(42)	(159)	(133)
Net income	128	126	476	400
Gains (Losses) on AFS Securities [Member] \| Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income (Loss) [Abstract]
Net securities gains	(20)	0	79	0
Amortization of Unrealized Gains Related to Securities Transfer [Member] \| Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income (Loss) [Abstract]
Interest income (expense)	190	168	556	533
Net Unrealized (Gains) on Cash Flow hedges Reclassified to Interest Expense [Member] \| Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income (Loss) [Abstract]
Interest income (expense)	(395)	(638)	(1,932)	(1,537)
Income tax expense (benefit)	98	159	483	384
Net income	(297)	(479)	(1,449)	(1,153)
Accumulated Defined Benefit Plans Adjustment [Member] \| Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income (Loss) [Abstract]
Income tax expense (benefit)	(168)	(71)	(496)	(219)
Net income	504	215	1,489	657
Amortization of Net Losses [Member] \| Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income (Loss) [Abstract]
Other noninterest expense	649	263	1,916	809
Amortization of Prior Service Costs [Member] \| Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income (Loss) [Abstract]
Other noninterest expense	$ 23	$ 23	$ 69	$ 67

Derivative Instruments and Hedging Activities (Details) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019 USD ($) Agreement	Sep. 30, 2018 USD ($)	Sep. 30, 2019 USD ($) Agreement	Sep. 30, 2018 USD ($)	Dec. 31, 2018 USD ($) Agreement
Interest rate derivatives - Included Component [Abstract]
Amount of (loss) or gain recognized in OCI	$ 9	$ 175	$ (475)	$ 1,647
Amount of (gain) reclassified from AOCI into interest expense	(395)	(638)	(1,932)	(1,537)
Derivatives Designated as Hedging Instruments [Member] \| Interest Rate Swaps [Member]
Fair value adjustment recorded related to notional amount of derivatives outstanding and notional amount of risk participation agreements [Abstract]
Fair value adjustment included in other assets	142		142		$ 2,428
Fair value adjustment included in other liabilities	61		61		0
Notional amount	100,000		100,000		$ 225,000
Derivatives Designated as Hedging Instruments [Member] \| Cash Flow Hedging [Member]
Interest rate derivatives - Included Component [Abstract]
Amount of (loss) or gain recognized in OCI	9	175	(475)	1,647
Derivatives Designated as Hedging Instruments [Member] \| Cash Flow Hedging [Member] \| Interest (Income) Expense [Member]
Interest rate derivatives - Included Component [Abstract]
Amount of (gain) reclassified from AOCI into interest expense	(395)	(638)	(1,932)	(1,537)
Derivatives Designated as Hedging Instruments [Member] \| Cash Flow Hedging [Member] \| Interest Rate Swaps [Member]
Fair value adjustment recorded related to notional amount of derivatives outstanding and notional amount of risk participation agreements [Abstract]
Amount to be reclassified from AOCI as a reduction to interest expense during next twelve months			100
Derivatives Not Designated as Hedging Instruments [Member] \| Other Income [Member]
Gain or loss recognized in income on derivatives not designating as a hedging relationship [Abstract]
(Decrease) increase in other income	$ (10)	$ (13)	$ 96	$ 110
Derivatives Not Designated as Hedging Instruments [Member] \| Interest Rate Swaps [Member]
Interest rate derivatives [Abstract]
Number of risk participation agreements held \| Agreement	10		10		9
Fair value adjustment recorded related to notional amount of derivatives outstanding and notional amount of risk participation agreements [Abstract]
Fair value adjustment included in other assets and other liabilities	$ 52,925		$ 52,925		$ 17,572
Notional amount	793,805		793,805		653,369
Derivatives Not Designated as Hedging Instruments [Member] \| Interest Rate Swaps [Member] \| Other Assets [Member]
Interest rate derivatives [Abstract]
Fair value of derivative asset	81		81		36
Derivatives Not Designated as Hedging Instruments [Member] \| Interest Rate Swaps [Member] \| Other Liabilities [Member]
Interest rate derivatives [Abstract]
Fair value of derivative liability	116		116		17
Derivatives Not Designated as Hedging Instruments [Member] \| Risk Participation Agreements [Member]
Fair value adjustment recorded related to notional amount of derivatives outstanding and notional amount of risk participation agreements [Abstract]
Notional amount	$ 72,496		$ 72,496		$ 70,785

Fair Value Measurements and Fair Value of Financial Instruments (Details) - USD ($) $ in Thousands	3 Months Ended	9 Months Ended
	Sep. 30, 2019	Sep. 30, 2019	Dec. 31, 2018
Transfers between Levels [Abstract]
Transfers from Level 1 to Level 2	$ 0	$ 0	$ 0
Transfers from Level 2 to Level 1	0	0	4,000
Transfers into Level 3	0	0
Transfers out of Level 3	0	0
AFS securities [Abstract]
AFS securities	932,173	932,173	998,496
Equity securities	26,818	26,818	23,053
Fair Value Measurements [Abstract]
Collateral dependent impaired loans with specific reserve	0	$ 0	200
Reserves on collateral dependent impaired loans			25
Minimum [Member]
Fair Value Measurements [Abstract]
Liquidation expense ratio on impaired collateral		10.00%
Maximum [Member]
Fair Value Measurements [Abstract]
Liquidation expense ratio on impaired collateral		35.00%
Changes Measurement [Member]
Fair Value Measurements [Abstract]
Branch location with pending disposition	(1,000)	$ (1,000)
Fair Value [Member]
Fair Value Measurements [Abstract]
Branch location with pending disposition	200	200
Recurring Basis [Member]
AFS securities [Abstract]
AFS securities	932,173	932,173	998,496
Equity securities	26,818	26,818	23,053
Derivatives	53,148	53,148	20,000
Total	1,012,139	1,012,139	1,041,549
Liabilities [Abstract]
Derivatives	53,102	53,102	17,572
Total	53,102	53,102	17,572
Recurring Basis [Member] \| Level 1 [Member]
AFS securities [Abstract]
AFS securities	0	0	0
Equity securities	22,818	22,818	19,053
Derivatives	0	0	0
Total	22,818	22,818	19,053
Liabilities [Abstract]
Derivatives	0	0	0
Total	0	0	0
Recurring Basis [Member] \| Level 2 [Member]
AFS securities [Abstract]
AFS securities	932,173	932,173	998,496
Equity securities	4,000	4,000	4,000
Derivatives	53,148	53,148	20,000
Total	989,321	989,321	1,022,496
Liabilities [Abstract]
Derivatives	53,102	53,102	17,572
Total	53,102	53,102	17,572
Recurring Basis [Member] \| Level 3 [Member]
AFS securities [Abstract]
AFS securities	0	0	0
Equity securities	0	0	0
Derivatives	0	0	0
Total	0	0	0
Liabilities [Abstract]
Derivatives	0	0	0
Total	0	0	0
Recurring Basis [Member] \| Federal Agency [Member]
AFS securities [Abstract]
AFS securities	29,831	29,831	84,299
Recurring Basis [Member] \| Federal Agency [Member] \| Level 1 [Member]
AFS securities [Abstract]
AFS securities	0	0	0
Recurring Basis [Member] \| Federal Agency [Member] \| Level 2 [Member]
AFS securities [Abstract]
AFS securities	29,831	29,831	84,299
Recurring Basis [Member] \| Federal Agency [Member] \| Level 3 [Member]
AFS securities [Abstract]
AFS securities	0	0	0
Recurring Basis [Member] \| State & Municipal [Member]
AFS securities [Abstract]
AFS securities	9	9	29,915
Recurring Basis [Member] \| State & Municipal [Member] \| Level 1 [Member]
AFS securities [Abstract]
AFS securities	0	0	0
Recurring Basis [Member] \| State & Municipal [Member] \| Level 2 [Member]
AFS securities [Abstract]
AFS securities	9	9	29,915
Recurring Basis [Member] \| State & Municipal [Member] \| Level 3 [Member]
AFS securities [Abstract]
AFS securities	0	0	0
Recurring Basis [Member] \| Mortgage-Backed [Member]
AFS securities [Abstract]
AFS securities	483,510	483,510	512,295
Recurring Basis [Member] \| Mortgage-Backed [Member] \| Level 1 [Member]
AFS securities [Abstract]
AFS securities	0	0	0
Recurring Basis [Member] \| Mortgage-Backed [Member] \| Level 2 [Member]
AFS securities [Abstract]
AFS securities	483,510	483,510	512,295
Recurring Basis [Member] \| Mortgage-Backed [Member] \| Level 3 [Member]
AFS securities [Abstract]
AFS securities	0	0	0
Recurring Basis [Member] \| Collateralized Mortgage Obligations [Member]
AFS securities [Abstract]
AFS securities	418,823	418,823	371,987
Recurring Basis [Member] \| Collateralized Mortgage Obligations [Member] \| Level 1 [Member]
AFS securities [Abstract]
AFS securities	0	0	0
Recurring Basis [Member] \| Collateralized Mortgage Obligations [Member] \| Level 2 [Member]
AFS securities [Abstract]
AFS securities	418,823	418,823	371,987
Recurring Basis [Member] \| Collateralized Mortgage Obligations [Member] \| Level 3 [Member]
AFS securities [Abstract]
AFS securities	$ 0	$ 0	$ 0

Fair Value Measurements and Fair Value of Financial Instruments, Estimated Fair Values of Financial Instruments (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Financial assets [Abstract]
HTM securities	$ 691,189	$ 778,675
Carrying Amount [Member] \| Level 2 [Member]
Financial assets [Abstract]
HTM securities	678,435	783,599
Financial liabilities [Abstract]
Time deposits	860,291	930,678
Long-term debt	84,239	73,724
Junior subordinated debt	101,196	101,196
Carrying Amount [Member] \| Level 3 [Member]
Financial assets [Abstract]
Net loans	6,959,430	6,822,147
Estimated Fair Value [Member] \| Level 2 [Member]
Financial assets [Abstract]
HTM securities	691,189	778,675
Financial liabilities [Abstract]
Time deposits	857,455	920,534
Long-term debt	84,609	73,927
Junior subordinated debt	104,311	100,114
Estimated Fair Value [Member] \| Level 3 [Member]
Financial assets [Abstract]
Net loans	$ 6,917,768	$ 6,754,460

Commitments and Contingencies (Details) - USD ($) $ in Millions	9 Months Ended
	Sep. 30, 2019	Dec. 31, 2018
Guarantor Obligations [Abstract]
Obligation instrument term	1 year
Commitment to Extend Credits and Unused Lines of Credit [Member]
Guarantor Obligations [Abstract]
Commitments - maximum potential obligation	$ 2,000.0	$ 1,700.0
Standby Letters of Credit [Member]
Guarantor Obligations [Abstract]
Commitments - maximum potential obligation	$ 30.7	$ 41.2

Recent Accounting Pronouncements (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Recent Accounting Pronouncements [Abstract]
Right of use assets	$ 34,300
Lease liability	$ 36,770
ASU 2016-02 [Member]
Recent Accounting Pronouncements [Abstract]
Right of use assets		$ 34,000
Lease liability		$ 37,000

Document and Entity Information - shares	9 Months Ended
Document and Entity Information - shares	Sep. 30, 2019	Oct. 31, 2019
Cover [Abstract]
Entity Registrant Name	NBT BANCORP INC
Entity Central Index Key	0000790359
Current Fiscal Year End Date	--12-31
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Shell Company	false
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Common Stock, Shares Outstanding		43,791,695
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Sep. 30, 2019
Document Fiscal Year Focus	2019
Document Fiscal Period Focus	Q3
Document Quarterly Report	true
Document Transition Report	false
Entity File Number	0-14703
Entity Tax Identification Number	16-1268674
Entity Incorporation, State or Country Code	DE
Entity Address, Address Line One	52 South Broad Street
Entity Address, City or Town	Norwich
Entity Address, State or Province	NY
Entity Address, Postal Zip Code	13815
City Area Code	607
Local Phone Number	337-2265
Title of 12(b) Security	Common Stock, par value $0.01 per share
Trading Symbol	NBTB
Security Exchange Name	NASDAQ

Consolidated Balance Sheets (unaudited) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Assets
Cash and due from banks	$ 217,639	$ 175,550
Short-term interest bearing accounts	56,457	5,405
Equity securities, at fair value	26,818	23,053
Securities available for sale, at fair value	932,173	998,496
Securities held to maturity (fair value $691,189 and $778,675, respectively)	678,435	783,599
Federal Reserve and Federal Home Loan Bank stock	37,490	53,229
Loans held for sale	17,986	6,943
Loans	7,013,809	6,887,709
Less allowance for loan losses	72,365	72,505
Net loans	6,941,444	6,815,204
Premises and equipment, net	75,708	78,970
Goodwill	274,769	274,769
Intangible assets, net	12,864	15,599
Bank owned life insurance	180,513	177,479
Other assets	209,090	148,067
Total assets	9,661,386	9,556,363
Liabilities
Demand (noninterest bearing)	2,477,657	2,361,099
Savings, NOW and money market	4,405,218	4,076,434
Time	860,291	930,678
Total deposits	7,743,166	7,368,211
Short-term borrowings	443,266	871,696
Long-term debt	84,239	73,724
Junior subordinated debt	101,196	101,196
Other liabilities	190,918	123,627
Total liabilities	8,562,785	8,538,454
Stockholders' equity
Preferred stock, $0.01 par value. Authorized 2,500,000 shares at September 30, 2019 and December 31, 2018	0	0
Common stock, $0.01 par value. Authorized 100,000,000 shares at September 30, 2019 and December 31, 2018; issued 49,651,493 at September 30, 2019 and December 31, 2018	497	497
Additional paid-in-capital	576,146	575,466
Retained earnings	679,090	621,203
Accumulated other comprehensive loss	(22,924)	(43,174)
Common stock in treasury, at cost, 5,864,848 and 5,978,527 shares at September 30, 2019 and December 31, 2018, respectively	(134,208)	(136,083)
Total stockholders' equity	1,098,601	1,017,909
Total liabilities and stockholders' equity	$ 9,661,386	$ 9,556,363

Consolidated Balance Sheets (unaudited) (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Assets
Securities held to maturity fair value	$ 691,189	$ 778,675
Stockholders' equity
Preferred stock, par value (in dollars per share)	$ 0.01	$ 0.01
Preferred stock, shares authorized (in shares)	2,500,000	2,500,000
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	100,000,000	100,000,000
Common stock, shares issued (in shares)	49,651,493	49,651,493
Common stock in treasury, at cost (in shares)	5,864,848	5,978,527

Consolidated Statements of Income (unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Interest, fee and dividend income
Interest and fees on loans	$ 81,082	$ 77,249	$ 241,674	$ 221,864
Securities available for sale	5,711	6,659	17,664	20,588
Securities held to maturity	4,586	3,462	14,892	8,898
Other	1,002	834	2,728	2,381
Total interest, fee and dividend income	92,381	88,204	276,958	253,731
Interest expense
Deposits	10,745	6,157	29,805	15,167
Short-term borrowings	1,989	3,000	7,986	7,421
Long-term debt	498	431	1,391	1,359
Junior subordinated debt	1,095	1,089	3,404	3,030
Total interest expense	14,327	10,677	42,586	26,977
Net interest income	78,054	77,527	234,372	226,754
Provision for loan losses	6,324	6,026	19,408	22,300
Net interest income after provision for loan losses	71,730	71,501	214,964	204,454
Noninterest income
Insurance and other financial services revenue	6,421	6,172	19,115	18,502
Service charges on deposit accounts	4,330	4,503	12,790	12,721
ATM and debit card fees	6,277	5,906	17,958	16,995
Retirement plan administration fees	7,600	7,244	23,170	19,879
Trust	5,209	4,808	14,491	14,951
Bank owned life insurance	1,556	1,288	4,119	3,852
Net securities gains	4,036	412	4,024	575
Other	4,291	3,048	12,115	11,341
Total noninterest income	39,720	33,381	107,782	98,816
Noninterest expense
Salaries and employee benefits	39,352	38,394	117,275	112,687
Occupancy	5,335	5,380	17,053	17,034
Data processing and communications	4,492	4,434	13,599	13,221
Professional fees and outside services	3,535	3,580	10,562	10,408
Equipment	4,487	4,319	13,762	12,508
Office supplies and postage	1,667	1,563	4,835	4,640
FDIC (credit) expense	(20)	1,223	1,946	3,516
Advertising	677	739	1,821	1,776
Amortization of intangible assets	874	1,054	2,735	3,064
Loan collection and other real estate owned, net	976	1,234	2,722	3,479
Other	8,374	4,577	18,130	13,324
Total noninterest expense	69,749	66,497	204,440	195,657
Income before income tax expense	41,701	38,385	118,306	107,613
Income tax expense	9,322	8,578	26,245	23,699
Net income	$ 32,379	$ 29,807	$ 92,061	$ 83,914
Earnings per share
Basic (in dollars per share)	$ 0.74	$ 0.68	$ 2.10	$ 1.92
Diluted (in dollars per share)	$ 0.73	$ 0.68	$ 2.09	$ 1.91

Consolidated Statements of Comprehensive Income (unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Consolidated Statements of Comprehensive Income (Unaudited) [Abstract]
Net income	$ 32,379	$ 29,807	$ 92,061	$ 83,914
Securities available for sale:
Unrealized net holding gains (losses) arising during the period, gross	2,360	(5,798)	26,787	(26,605)
Tax effect	(590)	1,449	(6,697)	6,651
Unrealized net holding gains (losses) arising during the period, net	1,770	(4,349)	20,090	(19,954)
Reclassification adjustment for net (gains) losses in net income, gross	(20)	0	79	0
Tax effect	5	0	(20)	0
Reclassification adjustment for net (gains) losses in net income, net	(15)	0	59	0
Amortization of unrealized net gains for the reclassification of available for sale securities to held to maturity, gross	190	168	556	533
Tax effect	(47)	(42)	(139)	(133)
Amortization of unrealized net gains for the reclassification of available for sale securities to held to maturity, net	143	126	417	400
Total securities available for sale, net	1,898	(4,223)	20,566	(19,554)
Cash flow hedges:
Unrealized gains (losses) on derivatives (cash flow hedges), gross	9	175	(475)	1,647
Tax effect	(2)	(44)	119	(412)
Unrealized gains (losses) on derivatives (cash flow hedges), net	7	131	(356)	1,235
Reclassification of net unrealized (gains) on cash flow hedges to interest (income), gross	(395)	(638)	(1,932)	(1,537)
Tax effect	98	159	483	384
Reclassification of net unrealized (gains) on cash flow hedges to interest (income), net	(297)	(479)	(1,449)	(1,153)
Total cash flow hedges, net	(290)	(348)	(1,805)	82
Pension and other benefits:
Amortization of prior service cost and actuarial losses, gross	672	286	1,985	876
Tax effect	(168)	(71)	(496)	(219)
Amortization of prior service cost and actuarial losses, net	504	215	1,489	657
Total pension and other benefits, net	504	215	1,489	657
Total other comprehensive income (loss)	2,112	(4,356)	20,250	(18,815)
Comprehensive income	$ 34,491	$ 25,451	$ 112,311	$ 65,099

Consolidated Statements of Stockholders' Equity (unaudited) - USD ($) $ in Thousands	Common Stock [Member]	Additional Paid-in-Capital [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive (Loss) Income [Member]	Common Stock in Treasury [Member]	Total
Cumulative effect adjustment for ASU implementation \| ASU 2016-01 [Member]	$ 0	$ 0	$ 2,618	$ (2,645)	$ 0	$ (27)
Cumulative effect adjustment for ASU implementation \| ASU 2018-02 [Member]	0	0	5,575	(5,575)	0	0
Balance at Dec. 31, 2017	497	574,209	543,713	(22,077)	(138,165)	958,177
Net income	0	0	83,914	0	0	83,914
Cash dividends	0	0	(31,899)	0	0	(31,899)
Net issuance of shares to employee and other stock plans	0	(2,511)	0	0	1,859	(652)
Stock-based compensation	0	3,457	0	0	0	3,457
Other comprehensive (loss) income	0	0	0	(18,815)	0	(18,815)
Balance at Sep. 30, 2018	497	575,155	603,921	(49,112)	(136,306)	994,155
Balance at Jun. 30, 2018	497	574,741	585,044	(44,756)	(136,597)	978,929
Net income	0	0	29,807	0	0	29,807
Cash dividends	0	0	(10,930)	0	0	(10,930)
Net issuance of shares to employee and other stock plans	0	(89)	0	0	291	202
Stock-based compensation	0	503	0	0	0	503
Other comprehensive (loss) income	0	0	0	(4,356)	0	(4,356)
Balance at Sep. 30, 2018	497	575,155	603,921	(49,112)	(136,306)	994,155
Balance at Dec. 31, 2018	497	575,466	621,203	(43,174)	(136,083)	1,017,909
Net income	0	0	92,061	0	0	92,061
Cash dividends	0	0	(34,174)	0	0	(34,174)
Net issuance of shares to employee and other stock plans	0	(2,916)	0	0	1,875	(1,041)
Stock-based compensation	0	3,596	0	0	0	3,596
Other comprehensive (loss) income	0	0	0	20,250	0	20,250
Balance at Sep. 30, 2019	497	576,146	679,090	(22,924)	(134,208)	1,098,601
Balance at Jun. 30, 2019	497	575,794	658,107	(25,036)	(134,539)	1,074,823
Net income	0	0	32,379	0	0	32,379
Cash dividends	0	0	(11,396)	0	0	(11,396)
Net issuance of shares to employee and other stock plans	0	(104)	0	0	331	227
Stock-based compensation	0	456	0	0	0	456
Other comprehensive (loss) income	0	0	0	2,112	0	2,112
Balance at Sep. 30, 2019	$ 497	$ 576,146	$ 679,090	$ (22,924)	$ (134,208)	$ 1,098,601

- Definition

The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.

+ References + Details

Consolidated Statements of Stockholders' Equity (unaudited) (Parenthetical) - $ / shares	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Consolidated Statements of Stockholders' Equity (unaudited) [Abstract]
Cash dividends - per share (in dollars per share)	$ 0.26	$ 0.25	$ 0.78	$ 0.73
Net issuance of shares to employee benefit plans and other stock plans (in shares)	17,234	14,120	113,679	118,510

Consolidated Statements of Cash Flows (unaudited) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018
Operating activities
Net income	$ 92,061	$ 83,914
Adjustments to reconcile net income to net cash provided by operating activities
Provision for loan losses	19,408	22,300
Depreciation and amortization of premises and equipment	7,106	6,957
Net amortization on securities	2,495	3,108
Amortization of intangible assets	2,735	3,064
Amortization of operating lease right-of-use assets	5,396	0
Excess tax benefit on stock-based compensation	(371)	(507)
Stock-based compensation expense	3,596	3,457
Bank owned life insurance income	(4,119)	(3,852)
Proceeds from sale of loans held for sale	109,661	73,239
Originations of loans held for sale	(119,753)	(76,959)
Net gains on sale of loans held for sale	(475)	(181)
Net security (gains)	(4,024)	(575)
Net (gains) losses on sale of other real estate owned	(178)	130
Net change in other assets and other liabilities	(9,579)	(14,313)
Net cash provided by operating activities	103,959	99,782
Investing activities
Net cash used in acquisitions	0	(7,884)
Securities available for sale:
Proceeds from maturities, calls and principal paydowns	226,070	213,732
Proceeds from sales	26,203	0
Purchases	(160,781)	(102,004)
Securities held to maturity:
Proceeds from maturities, calls and principal paydowns	165,997	73,217
Purchases	(61,150)	(249,300)
Equity securities:
Proceeds from sales	3,966	3,318
Purchases	(93)	(2)
Other:
Net increase in loans	(146,778)	(323,614)
Proceeds from Federal Home Loan Bank stock redemption	147,200	186,869
Purchases of Federal Reserve and Federal Home Loan Bank stock	(131,461)	(192,584)
Proceeds from settlement of bank owned life insurance	1,085	0
Purchases of premises and equipment, net	(4,018)	(4,256)
Proceeds from sales of other real estate owned	1,129	2,124
Net cash provided by (used in) investing activities	67,369	(400,384)
Financing activities
Net increase in deposits	374,955	270,654
Net (decrease) increase in short-term borrowings	(428,430)	92,585
Proceeds from issuance of long-term debt	10,598	25,000
Repayments of long-term debt	(83)	(40,117)
Proceeds from the issuance of shares to employee and other stock plans	543	1,140
Cash paid by employer for tax-withholdings on stock issuance	(1,596)	(1,792)
Cash dividends	(34,174)	(31,899)
Net cash (used in) provided by financing activities	(78,187)	315,571
Net increase in cash and cash equivalents	93,141	14,969
Cash and cash equivalents at beginning of period	180,955	159,664
Cash and cash equivalents at end of period	274,096	174,633
Cash paid during the period for:
Interest expense	42,709	26,002
Income taxes paid, net of refund	19,945	31,077
Noncash investing activities:
Loans transferred to other real estate owned	654	996
Acquisitions:
Fair value of assets acquired	$ 0	$ 6,274

Description of Business

9 Months Ended

Sep. 30, 2019

Description of Business [Abstract]

Description of Business

1.	Description of Business

Basis of Presentation

9 Months Ended

Sep. 30, 2019

Basis of Presentation [Abstract]

Basis of Presentation

2.	Basis of Presentation

Securities

9 Months Ended

Sep. 30, 2019

Securities [Abstract]

Securities

3.	Securities

The amortized cost, estimated fair value and unrealized gains (losses) of available for sale (“AFS”) securities are as follows:

(In thousands)	Amortized Cost		Unrealized Gains		Unrealized Losses		Estimated Fair Value
As of September 30, 2019
Federal agency	$	29,998	$	-	$	167	$	29,831
State & municipal		9		-		-		9
Mortgage-backed:
Government-sponsored enterprises		433,393		4,494		292		437,595
U.S. government agency securities		44,912		1,021		18		45,915
Collateralized mortgage obligations:
Government-sponsored enterprises		343,682		2,484		456		345,710
U.S. government agency securities		72,443		887		217		73,113
Total AFS securities	$	924,437	$	8,886	$	1,150	$	932,173
As of December 31, 2018
Federal agency	$	84,982	$	10	$	693	$	84,299
State & municipal		30,136		16		237		29,915
Mortgage-backed:
Government-sponsored enterprises		493,225		439		10,354		483,310
U.S. government agency securities		29,190		270		475		28,985
Collateralized mortgage obligations:
Government-sponsored enterprises		332,409		344		7,211		325,542
U.S. government agency securities		47,684		137		1,376		46,445
Total AFS securities	$	1,017,626	$	1,216	$	20,346	$	998,496

The components of net realized gains (losses) on AFS securities are as follows. These amounts were reclassified out of accumulated other comprehensive income (loss) (“AOCI”) and into earnings.

	Three Months Ended September 30,
(In thousands)	2019		2018
Gross realized gains	$	20	$	-
Gross realized (losses)		-		-
Net AFS realized gains	$	20	$	-

	Nine Months Ended September 30,
(In thousands)	2019			2018
Gross realized gains	$	73		$	-
Gross realized (losses)		(152	)		-
Net AFS realized (losses)	$	(79	)	$	-

The amortized cost, estimated fair value and unrealized gains (losses) of held to maturity (“HTM”) securities are as follows:

(In thousands)	Amortized Cost		Unrealized Gains		Unrealized Losses		Estimated Fair Value
As of September 30, 2019
Federal agency	$	10,000	$	6	$	-	$	10,006
Mortgage-backed:
Government-sponsored enterprises		154,701		3,139		127		157,713
U.S. government agency securities		13,679		785		-		14,464
Collateralized mortgage obligations:
Government-sponsored enterprises		213,409		2,849		365		215,893
U.S. government agency securities		112,974		4,001		64		116,911
State & municipal		173,672		2,544		14		176,202
Total HTM securities	$	678,435	$	13,324	$	570	$	691,189
As of December 31, 2018
Federal agency	$	19,995	$	52	$	-	$	20,047
Mortgage-backed:
Government-sponsored enterprises		164,618		712		2,773		162,557
U.S. government agency securities		15,230		403		-		15,633
Collateralized mortgage obligations:
Government-sponsored enterprises		257,475		1,097		3,897		254,675
U.S. government agency securities		83,148		767		-		83,915
State & municipal		243,133		331		1,616		241,848
Total HTM securities	$	783,599	$	3,362	$	8,286	$	778,675

	Less Than 12 Months							12 Months or Longer							Total
(In thousands)	Fair Value		Unrealized Losses			Number of Positions		Fair Value		Unrealized Losses			Number of Positions		Fair Value		Unrealized Losses			Number of Positions
As of September 30, 2019
AFS securities:
Federal agency	$	19,965	$	(33	)		2	$	9,866	$	(134	)		1	$	29,831	$	(167	)		3
Mortgage-backed		36,017		(69	)		18		39,394		(241	)		16		75,411		(310	)		34
Collateralized mortgage obligations		60,272		(170	)		11		72,528		(503	)		23		132,800		(673	)		34
Total securities with unrealized losses	$	116,254	$	(272	)		31	$	121,788	$	(878	)		40	$	238,042	$	(1,150	)		71

HTM securities:
Mortgage-backed	$	-	$	-			-	$	26,836	$	(127	)		2	$	26,836	$	(127	)		2
Collateralized mortgage obligations		18,656		(129	)		3		23,708		(300	)		5		42,364		(429	)		8
State & municipal		5,447		(14	)		8		-		-			-		5,447		(14	)		8
Total securities with unrealized losses	$	24,103	$	(143	)		11	$	50,544	$	(427	)		7	$	74,647	$	(570	)		18

As of December 31, 2018
AFS securities:
Federal agency	$	-	$	-			-	$	64,294	$	(693	)		6	$	64,294	$	(693	)		6
State & municipal		1,715		(3	)		3		22,324		(234	)		35		24,039		(237	)		38
Mortgage-backed		18,462		(65	)		12		428,440		(10,764	)		101		446,902		(10,829	)		113
Collateralized mortgage obligations		12,118		(69	)		5		320,908		(8,518	)		62		333,026		(8,587	)		67
Total securities with unrealized losses	$	32,295	$	(137	)		20	$	835,966	$	(20,209	)		204	$	868,261	$	(20,346	)		224

HTM securities:
Mortgage-backed	$	-	$	-			-	$	82,579	$	(2,773	)		6	$	82,579	$	(2,773	)		6
Collateralized mortgage obligations		4,386		(7	)		2		145,396		(3,890	)		26		149,782		(3,897	)		28
State & municipal		18,907		(84	)		30		58,258		(1,532	)		86		77,165		(1,616	)		116
Total securities with unrealized losses	$	23,293	$	(91	)		32	$	286,233	$	(8,195	)		118	$	309,526	$	(8,286	)		150

The following tables set forth information with regard to gains and losses on equity securities:

	Three Months Ended September 30,
(In thousands)	2019		2018
Net gains and losses recognized on equity securities	$	4,012	$	412
Less: Net gains and losses recognized during the period on equity securities sold during the period		3,966		511
Unrealized gains and losses recognized on equity securities still held	$	46	$	(99	)

	Nine Months Ended September 30,
(In thousands)	2019		2018
Net gains and losses recognized on equity securities	$	4,099	$	575
Less: Net gains and losses recognized during the period on equity securities sold during the period		3,966		555
Unrealized gains and losses recognized on equity securities still held	$	133	$	20

The following tables set forth information with regard to contractual maturities of debt securities at September 30, 2019:

(In thousands)	Amortized Cost		Estimated Fair Value
AFS debt securities:
Within one year	$	37	$	37
From one to five years		30,404		30,393
From five to ten years		171,485		173,220
After ten years		722,511		728,523
Total AFS debt securities	$	924,437	$	932,173
HTM debt securities:
Within one year	$	26,940	$	26,940
From one to five years		68,113		68,531
From five to ten years		179,381		183,425
After ten years		404,001		412,293
Total HTM debt securities	$	678,435	$	691,189

Allowance for Loan Losses and Credit Quality of Loans

9 Months Ended

Sep. 30, 2019

Allowance for Loan Losses and Credit Quality of Loans [Abstract]

Allowance for Loan Losses and Credit Quality of Loans

4. Allowance for Loan Losses and Credit Quality of Loans

Allowance for Loan Losses

Portfolio	Class
Commercial Loans	Commercial and Industrial
	Commercial Real Estate
	Business Banking
Consumer Loans	Dealer Finance
	Specialty Lending
	Direct
Residential Real Estate

Commercial Loans

Consumer Loans

The Company offers a variety of Consumer loan products including Dealer Finance, Specialty Lending and Direct loans.

Residential Real Estate

Allowance for Loan Loss Calculation

The following tables illustrate the changes in the allowance for loan losses by our portfolio segments:

(In thousands)	Commercial Loans			Consumer Loans			Residential Real Estate			Total
Balance as of June 30, 2019	$	33,152		$	36,534		$	2,479		$	72,165
Charge-offs		(865	)		(6,976	)		(174	)		(8,015	)
Recoveries		132			1,746			13			1,891
Provision		1,021			5,031			272			6,324
Ending Balance as of September 30, 2019	$	33,440		$	36,335		$	2,590		$	72,365

Balance as of June 30, 2018	$	31,059		$	36,479		$	4,912		$	72,450
Charge-offs		(823	)		(6,818	)		(123	)		(7,764	)
Recoveries		410			1,602			81			2,093
Provision		1,086			6,044			(1,104	)		6,026
Ending Balance as of September 30, 2018	$	31,732		$	37,307		$	3,766		$	72,805

(In thousands)	Commercial Loans			Consumer Loans			Residential Real Estate			Total
Balance as of December 31, 2018	$	32,759		$	37,178		$	2,568		$	72,505
Charge-offs		(2,783	)		(21,336	)		(782	)		(24,901	)
Recoveries		344			4,887			122			5,353
Provision		3,120			15,606			682			19,408
Ending Balance as of September 30, 2019	$	33,440		$	36,335		$	2,590		$	72,365

Balance as of December 31, 2017	$	27,606		$	36,830		$	5,064		$	69,500
Charge-offs		(2,535	)		(21,947	)		(513	)		(24,995	)
Recoveries		780			4,946			274			6,000
Provision		5,881			17,478			(1,059	)		22,300
Ending Balance as of September 30, 2018	$	31,732		$	37,307		$	3,766		$	72,805

The following tables illustrate the allowance for loan losses and the recorded investment by portfolio segments:

(In thousands)	Commercial Loans		Consumer Loans		Residential Real Estate		Total
As of September 30, 2019
Allowance for loan losses	$	33,440	$	36,335	$	2,590	$	72,365
Allowance for loans individually evaluated for impairment		-		-		-		-
Allowance for loans collectively evaluated for impairment	$	33,440	$	36,335	$	2,590	$	72,365
Ending balance of loans	$	3,351,201	$	2,245,688	$	1,416,920	$	7,013,809
Ending balance of originated loans individually evaluated for impairment		3,117		7,267		7,673		18,057
Ending balance of acquired loans collectively evaluated for impairment		132,811		25,421		131,457		289,689
Ending balance of originated loans collectively evaluated for impairment	$	3,215,273	$	2,213,000	$	1,277,790	$	6,706,063

As of December 31, 2018
Allowance for loan losses	$	32,759	$	37,178	$	2,568	$	72,505
Allowance for loans individually evaluated for impairment		25		-		-		25
Allowance for loans collectively evaluated for impairment	$	32,734	$	37,178	$	2,568	$	72,480
Ending balance of loans	$	3,222,310	$	2,284,563	$	1,380,836	$	6,887,709
Ending balance of originated loans individually evaluated for impairment		5,786		7,887		6,905		20,578
Ending balance of acquired loans collectively evaluated for impairment		143,690		31,624		147,277		322,591
Ending balance of originated loans collectively evaluated for impairment	$	3,072,834	$	2,245,052	$	1,226,654	$	6,544,540

Credit Quality of Loans

The following tables set forth information with regard to past due and nonperforming loans by loan class:

(In thousands)	31-60 Days Past Due Accruing		61-90 Days Past Due Accruing		Greater Than 90 Days Past Due Accruing		Total Past Due Accruing		Nonaccrual		Current		Recorded Total Loans
As of September 30, 2019
Originated
Commercial Loans:
C&I	$	505	$	-	$	-	$	505	$	729	$	836,593	$	837,827
CRE		3,646		-		4,839		8,485		4,664		1,832,708		1,845,857
Business Banking		2,118		313		67		2,498		6,524		525,684		534,706
Total Commercial Loans	$	6,269	$	313	$	4,906	$	11,488	$	11,917	$	3,194,985	$	3,218,390
Consumer Loans:
Dealer Finance	$	11,167	$	1,965	$	1,094	$	14,226	$	2,241	$	1,179,316	$	1,195,783
Specialty Lending		3,681		1,655		1,568		6,904		-		521,601		528,505
Direct		1,778		1,090		208		3,076		2,553		490,350		495,979
Total Consumer Loans	$	16,626	$	4,710	$	2,870	$	24,206	$	4,794	$	2,191,267	$	2,220,267
Residential Real Estate	$	1,582	$	100	$	500	$	2,182	$	6,311	$	1,276,970	$	1,285,463
Total Originated Loans	$	24,477	$	5,123	$	8,276	$	37,876	$	23,022	$	6,663,222	$	6,724,120

Acquired
Commercial Loans:
C&I	$	-	$	-	$	-	$	-	$	-	$	28,823	$	28,823
CRE		-		-		-		-		-		67,853		67,853
Business Banking		445		-		-		445		366		35,324		36,135
Total Commercial Loans	$	445	$	-	$	-	$	445	$	366	$	132,000	$	132,811
Consumer Loans:
Direct	$	276	$	43	$	-	$	319	$	131	$	24,971	$	25,421
Total Consumer Loans	$	276	$	43	$	-	$	319	$	131	$	24,971	$	25,421
Residential Real Estate	$	1,102	$	-	$	66	$	1,168	$	1,104	$	129,185	$	131,457
Total Acquired Loans	$	1,823	$	43	$	66	$	1,932	$	1,601	$	286,156	$	289,689

Total Loans	$	26,300	$	5,166	$	8,342	$	39,808	$	24,623	$	6,949,378	$	7,013,809

(In thousands)	31-60 Days Past Due Accruing		61-90 Days Past Due Accruing		Greater Than 90 Days Past Due Accruing		Total Past Due Accruing		Nonaccrual		Current		Recorded Total Loans
As of December 31, 2018
Originated
Commercial Loans:
C&I	$	909	$	-	$	-	$	909	$	1,062	$	846,148	$	848,119
CRE		1,089		-		588		1,677		4,995		1,734,558		1,741,230
Business Banking		1,092		302		-		1,394		5,974		481,903		489,271
Total Commercial Loans	$	3,090	$	302	$	588	$	3,980	$	12,031	$	3,062,609	$	3,078,620
Consumer Loans:
Dealer Finance	$	14,519	$	2,300	$	1,186	$	18,005	$	1,971	$	1,196,136	$	1,216,112
Specialty Lending		3,479		1,773		1,562		6,814		-		518,114		524,928
Direct		2,962		1,437		552		4,951		2,592		504,356		511,899
Total Consumer Loans	$	20,960	$	5,510	$	3,300	$	29,770	$	4,563	$	2,218,606	$	2,252,939
Residential Real Estate	$	1,426	$	157	$	1,182	$	2,765	$	6,778	$	1,224,016	$	1,233,559
Total Originated Loans	$	25,476	$	5,969	$	5,070	$	36,515	$	23,372	$	6,505,231	$	6,565,118

Acquired
Commercial Loans:
C&I	$	-	$	-	$	-	$	-	$	-	$	26,124	$	26,124
CRE		-		-		-		-		-		84,492		84,492
Business Banking		466		288		-		754		390		31,930		33,074
Total Commercial Loans	$	466	$	288	$	-	$	754	$	390	$	142,546	$	143,690
Consumer Loans:
Dealer Finance	$	1	$	1	$	-	$	2	$	-	$	30	$	32
Direct		152		41		15		208		227		31,157		31,592
Total Consumer Loans	$	153	$	42	$	15	$	210	$	227	$	31,187	$	31,624
Residential Real Estate	$	546	$	42	$	-	$	588	$	1,498	$	145,191	$	147,277
Total Acquired Loans	$	1,165	$	372	$	15	$	1,552	$	2,115	$	318,924	$	322,591

Total Loans	$	26,641	$	6,341	$	5,085	$	38,067	$	25,487	$	6,824,155	$	6,887,709

There were no material commitments to extend further credit to borrowers with nonperforming loans as of September 30, 2019 and December 31, 2018.

Impaired Loans

The following table provides information on loans specifically evaluated for impairment:

	September 30, 2019						December 31, 2018
(In thousands)	Recorded Investment Balance (Book)		Unpaid Principal Balance (Legal)		Related Allowance		Recorded Investment Balance (Book)		Unpaid Principal Balance (Legal)		Related Allowance
Originated
With no related allowance recorded:
Commercial Loans:
C&I	$	78	$	304	$		$	228	$	497	$
CRE		2,046		2,046				4,312		6,330
Business Banking		993		1,412				1,013		2,001
Total Commercial Loans	$	3,117	$	3,762			$	5,553	$	8,828
Consumer Loans:
Dealer Finance	$	194	$	279			$	143	$	241
Direct		7,073		8,464				7,744		9,831
Total Consumer Loans	$	7,267	$	8,743			$	7,887	$	10,072
Residential Real Estate	$	7,673	$	9,620			$	6,905	$	9,414
Total	$	18,057	$	22,125			$	20,345	$	28,314

With an allowance recorded:
Commercial Loans:
C&I	$	-	$	-	$	-	$	233	$	238	$	25
Total Commercial Loans	$	-	$	-	$	-	$	233	$	238	$	25

Total Loans	$	18,057	$	22,125	$	-	$	20,578	$	28,552	$	25

There were no acquired impaired loans specifically evaluated for impairment as of September 30, 2019 or December 31, 2018.

The following tables summarize the average recorded investments on loans specifically evaluated for impairment and the interest income recognized:

	For the Three Months Ended
	September 30, 2019				September 30, 2018
(In thousands)	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
Originated
Commercial Loans:
C&I	$	115	$	-	$	433	$	-
CRE		2,554		30		3,645		32
Business Banking		1,002		7		1,024		4
Total Commercial Loans	$	3,671	$	37	$	5,102	$	36
Consumer Loans:
Dealer Finance	$	213	$	3	$	177	$	4
Direct		7,293		95		7,730		102
Total Consumer Loans	$	7,506	$	98	$	7,907	$	106
Residential Real Estate	$	7,629	$	93	$	6,519	$	68
Total Originated	$	18,806	$	228	$	19,528	$	210

Total Loans	$	18,806	$	228	$	19,528	$	210

	For the Nine Months Ended
	September 30, 2019				September 30, 2018
(In thousands)	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
Originated
Commercial Loans:
C&I	$	291	$	1	$	449	$	1
CRE		3,577		91		3,999		96
Business Banking		1,111		18		998		12
Total Commercial Loans	$	4,979	$	110	$	5,446	$	109
Consumer Loans:
Dealer Finance	$	201	$	9	$	187	$	8
Direct		7,518		291		7,953		317
Total Consumer Loans	$	7,719	$	300	$	8,140	$	325
Residential Real Estate	$	7,428	$	252	$	6,719	$	212
Total Originated	$	20,126	$	662	$	20,305	$	646

Total Loans	$	20,126	$	662	$	20,305	$	646

Credit Quality Indicators

Commercial Grading System

●

Doubtful

●

Substandard

●

Special Mention

● Pass

Business Banking Grading System

Business Banking loans are graded as either Classified or Non-classified:

●

Classified

●

Non-classified

Loans graded as Non-classified encompass all loans not graded as Classified. Payments on non-classified loans are generally made as agreed.

Consumer and Residential Real Estate Grading System

Consumer and Residential Real Estate loans are graded as either Nonperforming or Performing.

●

Nonperforming

Nonperforming loans are loans that are 1) over 90 days past due and interest is still accruing or 2) on nonaccrual status.

●

Performing

All loans not meeting any of these criteria are considered Performing.

The following tables illustrate the Company’s credit quality by loan class:

(In thousands)	As of September 30, 2019
Originated
Commercial Credit Exposure By Internally Assigned Grade:	C&I		CRE		Total
Pass	$	771,776	$	1,762,016	$	2,533,792
Special Mention		32,992		39,368		72,360
Substandard		33,059		44,473		77,532
Total	$	837,827	$	1,845,857	$	2,683,684

Business Banking Credit Exposure By Internally Assigned Grade:	Business Banking		Total
Non-classified	$	520,830	$	520,830
Classified		13,876		13,876
Total	$	534,706	$	534,706

Consumer Credit Exposure By Payment Activity:	Dealer Finance		Specialty Lending		Direct		Total
Performing	$	1,192,448	$	526,937	$	493,218	$	2,212,603
Nonperforming		3,335		1,568		2,761		7,664
Total	$	1,195,783	$	528,505	$	495,979	$	2,220,267

Residential Real Estate Credit Exposure By Payment Activity:	Residential Real Estate		Total
Performing	$	1,278,652	$	1,278,652
Nonperforming		6,811		6,811
Total	$	1,285,463	$	1,285,463

Acquired
Commercial Credit Exposure
By Internally Assigned Grade:	C&I		CRE		Total
Pass	$	21,781	$	67,441	$	89,222
Special Mention		2,860		-		2,860
Substandard		4,182		412		4,594
Total	$	28,823	$	67,853	$	96,676

Business Banking Credit Exposure By Internally Assigned Grade:	Business Banking		Total
Non-classified	$	33,499	$	33,499
Classified		2,636		2,636
Total	$	36,135	$	36,135

Consumer Credit Exposure
By Payment Activity:	Direct		Total
Performing	$	25,290	$	25,290
Nonperforming		131		131
Total	$	25,421	$	25,421

Residential Real Estate Credit Exposure By Payment Activity:	Residential Real Estate		Total
Performing	$	130,287	$	130,287
Nonperforming		1,170		1,170
Total	$	131,457		131,457

(In thousands)	As of December 31, 2018
Originated
Commercial Credit Exposure
By Internally Assigned Grade:	C&I		CRE		Total
Pass	$	796,778	$	1,681,330	$	2,478,108
Special Mention		11,348		13,894		25,242
Substandard		39,993		46,006		85,999
Total	$	848,119	$	1,741,230	$	2,589,349

Business Banking Credit Exposure By Internally Assigned Grade:	Business Banking		Total
Non-classified	$	476,052	$	476,052
Classified		13,219		13,219
Total	$	489,271	$	489,271

Consumer Credit Exposure By Payment Activity:	Dealer Finance		Specialty Lending		Direct		Total
Performing	$	1,212,955	$	523,366	$	508,755	$	2,245,076
Nonperforming		3,157		1,562		3,144		7,863
Total	$	1,216,112	$	524,928	$	511,899	$	2,252,939

Residential Real Estate Credit Exposure By Payment Activity:	Residential Real Estate		Total
Performing	$	1,225,599	$	1,225,599
Nonperforming		7,960		7,960
Total	$	1,233,559	$	1,233,559

Acquired
Commercial Credit Exposure
By Internally Assigned Grade:	C&I		CRE		Total
Pass	$	23,283	$	83,762	$	107,045
Special Mention		2,831		92		2,923
Substandard		10		638		648
Total	$	26,124	$	84,492	$	110,616

Business Banking Credit Exposure By Internally Assigned Grade:	Business Banking		Total
Non-classified	$	29,945	$	29,945
Classified		3,129		3,129
Total	$	33,074	$	33,074

Consumer Credit Exposure By Payment Activity:	Dealer Finance		Direct		Total
Performing	$	32	$	31,350	$	31,382
Nonperforming		-		242		242
Total	$	32	$	31,592	$	31,624

Residential Real Estate Credit Exposure By Payment Activity:	Residential Real Estate		Total
Performing	$	145,779	$	145,779
Nonperforming		1,498		1,498
Total	$	147,277	$	147,277

Troubled Debt Restructured Loans

	Three Months Ended September 30, 2019						Three Months Ended September 30, 2018
(Dollars in thousands)	Number of Contracts		Pre- Modification Outstanding Recorded Investment		Post- Modification Outstanding Recorded Investment		Number of Contracts		Pre- Modification Outstanding Recorded Investment		Post- Modification Outstanding Recorded Investment
Consumer Loans:
Dealer Finance		-	$	-	$	-		8	$	90	$	89
Direct		1		30		37		-		-		-
Total Consumer Loans		1	$	30	$	37		8	$	90	$	89
Residential Real Estate		2	$	186	$	203		-	$	-	$	-
Total Troubled Debt Restructurings		3	$	216	$	240		8	$	90	$	89

	Nine Months Ended September 30, 2019						Nine Months Ended September 30, 2018
(Dollars in thousands)	Number of Contracts		Pre- Modification Outstanding Recorded Investment		Post- Modification Outstanding Recorded Investment		Number of Contracts		Pre- Modification Outstanding Recorded Investment		Post- Modification Outstanding Recorded Investment
Commercial Loans:
C&I		1	$	65	$	65		-	$	-	$	-
Business Banking		2		388		388		3		369		371
Total Commercial Loans		3	$	453	$	453		3	$	369	$	371
Consumer Loans:
Dealer Finance		9	$	134	$	134		15	$	185	$	183
Direct		9		418		434		2		41		41
Total Consumer Loans		18	$	552	$	568		17	$	226	$	224
Residential Real Estate		10	$	942	$	990		5	$	323	$	323
Total Troubled Debt Restructurings		31	$	1,947	$	2,011		25	$	918	$	918

The following tables illustrate the recorded investment and number of modifications for TDRs where a concession has been made and subsequently defaulted during the period:

	Three Months Ended September 30, 2019				Three Months Ended September 30, 2018
(Dollars in thousands)	Number of Contracts		Recorded Investment		Number of Contracts		Recorded Investment
Consumer Loans:
Dealer Finance		1	$	10		-	$	-
Direct		9		332		17		816
Total Consumer Loans		10	$	342		17	$	816
Residential Real Estate		9	$	572		5	$	398
Total Troubled Debt Restructurings		19	$	914		22	$	1,214

	Nine Months Ended September 30, 2019				Nine Months Ended September 30, 2018
(Dollars in thousands)	Number of Contracts		Recorded Investment		Number of Contracts		Recorded Investment
Commercial Loans:
Business Banking		-	$	-		2	$	258
Total Commercial Loans		-	$	-		2	$	258
Consumer Loans:
Dealer Finance		2	$	17		-	$	-
Direct		24		1,109		35		1,740
Total Consumer Loans		26	$	1,126		35	$	1,740
Residential Real Estate		19	$	1,087		17	$	1,239
Total Troubled Debt Restructurings		45	$	2,213		54	$	3,237

Leases

9 Months Ended

Sep. 30, 2019

Leases [Abstract]

Leases

5. Leases

The table below summarizes our net lease cost:

(In thousands)	Three Months Ended September 30, 2019			Nine Months Ended September 30, 2019
Operating lease cost	$	1,806		$	5,396
Variable lease cost		524			1,782
Short-term lease cost		86			263
Sublease income		(119	)		(332	)
Total operating lease cost	$	2,297		$	7,109

(In thousands)
2019	$	1,807
2020		7,179
2021		6,429
2022		5,590
2023		4,751
Thereafter		15,892
Total lease payments	$	41,648
Less: interest		(4,878	)
Present value of lease liabilities	$	36,770

(In thousands except for percent and period data)	September 30, 2019
Weighted average remaining lease term, in years		7.71
Weighted average discount rate		3.03	%
Cash paid for amounts included in the measurement of lease liabilities:
Operating cash flows from operating leases	$	4,652
ROU assets obtained in exchange for lease liabilities		38,958

As of September 30, 2019 there are no new significant leases that have not yet commenced.

The following table shows the future minimum rental payments related to non-cancelable operating leases with original terms of one year or more as of December 31, 2018.

(In thousands)
2019	$	6,890
2020		6,467
2021		5,613
2022		4,773
2023		3,972
Thereafter		13,869
Total	$	41,584

Defined Benefit Post-Retirement Plans

9 Months Ended

Sep. 30, 2019

Defined Benefit Post-Retirement Plans [Abstract]

Defined Benefit Post-Retirement Plans

6. Defined Benefit Post-Retirement Plans

These supplemental employee retirement plans and the Plan are collectively referred to herein as “Pension Benefits.”

The Company made no voluntary contributions to the pension and other benefits plans during the three and nine months ended September 30, 2019 and 2018.

The components of expense for Pension Benefits and Other Benefits are set forth below:

	Pension Benefits						Other Benefits
	Three Months Ended September 30,						Three Months Ended September 30,
(In thousands)	2019			2018			2019		2018
Components of net periodic cost (benefit):
Service cost	$	431		$	415		$	1	$	3
Interest cost		986			912			67		82
Expected return on plan assets		(1,869	)		(2,119	)		-		-
Net amortization		658			242			14		44
Total net periodic cost (benefit)	$	206		$	(550	)	$	82	$	129

	Pension Benefits						Other Benefits
	Nine Months Ended September 30,						Nine Months Ended September 30,
(In thousands)	2019			2018			2019		2018
Components of net periodic cost (benefit):
Service cost	$	1,301		$	1,256		$	5	$	8
Interest cost		2,948			2,752			229		245
Expected return on plan assets		(5,615	)		(6,364	)		-		-
Net amortization		1,936			745			49		131
Total net periodic cost (benefit)	$	570		$	(1,611	)	$	283	$	384

Earnings Per Share

9 Months Ended

Sep. 30, 2019

Earnings Per Share [Abstract]

Earnings Per Share

7. Earnings Per Share

The following is a reconciliation of basic and diluted EPS for the periods presented in the unaudited interim consolidated statements of income:

	Three Months Ended September 30,
(In thousands, except per share data)	2019		2018
Basic EPS:
Weighted average common shares outstanding		43,825		43,714
Net income available to common stockholders	$	32,379	$	29,807
Basic EPS	$	0.74	$	0.68

Diluted EPS:
Weighted average common shares outstanding		43,825		43,714
Dilutive effect of common stock options and restricted stock		313		337
Weighted average common shares and common share equivalents		44,138		44,051
Net income available to common stockholders	$	32,379	$	29,807
Diluted EPS	$	0.73	$	0.68

	Nine Months Ended September 30,
(In thousands, except per share data)	2019		2018
Basic EPS:
Weighted average common shares outstanding		43,806		43,692
Net income available to common stockholders	$	92,061	$	83,914
Basic EPS	$	2.10	$	1.92

Diluted EPS:
Weighted average common shares outstanding		43,806		43,692
Dilutive effect of common stock options and restricted stock		302		317
Weighted average common shares and common share equivalents		44,108		44,009
Net income available to common stockholders	$	92,061	$	83,914
Diluted EPS	$	2.09	$	1.91

Reclassification Adjustments Out of Other Comprehensive Income (Loss)

9 Months Ended

Sep. 30, 2019

Reclassification Adjustments Out of Other Comprehensive Income (Loss) [Abstract]

Reclassification Adjustments Out of Other Comprehensive Income (Loss)

8. Reclassification Adjustments Out of Other Comprehensive Income (Loss)

The following table summarizes the reclassification adjustments out of accumulated other comprehensive income (loss) (“AOCI”):

Detail About AOCI Components	Amount Reclassified From AOCI						Affected Line Item in the Consolidated Statement of Comprehensive Income (Loss)
	Three Months Ended
(In thousands)	September 30, 2019			September 30, 2018
AFS securities:
Gains on AFS securities	$	(20	)	$	-		Net securities gains
Amortization of unrealized gains related to securities transfer		190			168		Interest income
Tax effect	$	(42	)	$	(42	)	Income tax (benefit)
Net of tax	$	128		$	126

Cash flow hedges:
Net unrealized (gains) on cash flow hedges reclassified to interest expense	$	(395	)	$	(638	)	Interest expense
Tax effect	$	98		$	159		Income tax expense
Net of tax	$	(297	)	$	(479	)

Pension and other benefits:
Amortization of net losses	$	649		$	263		Other noninterest expense
Amortization of prior service costs		23			23		Other noninterest expense
Tax effect	$	(168	)	$	(71	)	Income tax (benefit)
Net of tax	$	504		$	215

Total reclassifications, net of tax	$	335		$	(138	)

Detail About AOCI Components	Amount Reclassified From AOCI						Affected Line item in the Consolidated Statement of Comprehensive Income (Loss)
	Nine Months Ended
(In thousands)	September 30, 2019			September 30, 2018
AFS securities:
Losses on AFS securities	$	79		$	-		Net securities gains
Amortization of unrealized gains related to securities transfer		556			533		Interest income
Tax effect	$	(159	)	$	(133	)	Income tax (benefit)
Net of tax	$	476		$	400

Cash flow hedges:
Net unrealized (gains) on cash flow hedges reclassified to interest expense	$	(1,932	)	$	(1,537	)	Interest expense
Tax effect	$	483		$	384		Income tax expense
Net of tax	$	(1,449	)	$	(1,153	)

Pension and other benefits:
Amortization of net losses	$	1,916		$	809		Other noninterest expense
Amortization of prior service costs		69			67		Other noninterest expense
Tax effect	$	(496	)	$	(219	)	Income tax (benefit)
Net of tax	$	1,489		$	657

Total reclassifications, net of tax	$	516		$	(96	)

Derivative Instruments and Hedging Activities

9 Months Ended

Sep. 30, 2019

Derivative Instruments and Hedging Activities [Abstract]

Derivative Instruments and Hedging Activities

9. Derivative Instruments and Hedging Activities

Derivatives Not Designated as Hedging Instruments

Derivatives Designated as Hedging Instruments

The following table depicts the fair value adjustment recorded related to the notional amount of derivatives outstanding as well as the notional amount of risk participation agreements:

	September 30,		December 31,
(In thousands)	2019		2018
Derivatives Not Designated as Hedging Instruments:
Fair value adjustment included in other assets and other liabilities
Interest rate derivatives	$	52,925	$	17,572
Notional amount:
Interest rate derivatives		793,805		653,369
Risk participation agreements		72,496		70,785
Derivatives Designated as Hedging Instruments:
Fair value adjustment included in other assets
Interest rate derivatives		142		2,428
Fair value adjustment included in other liabilities
Interest rate derivatives		61		-
Notional amount:
Interest rate derivatives		100,000		225,000

The following table indicates the effect of cash flow hedge accounting on AOCI and on the unaudited interim consolidated statement of income:

	Three Months Ended September 30,						Nine Months Ended September 30,
(In thousands)	2019			2018			2019			2018
Derivatives Designated as Hedging Instruments:
Interest rate derivatives - included component
Amount of (loss) or gain recognized in OCI	$	9		$	175		$	(475	)	$	1,647
Amount of (gain) reclassified from AOCI into interest expense		(395	)		(638	)		(1,932	)		(1,537	)

The following table indicates the gain or loss recognized in income on derivatives not designated as a hedging relationship:

	Three Months Ended September 30,						Nine Months Ended September 30,
(In thousands)	2019			2018			2019		2018
Derivatives Not Designated as Hedging Instruments:
(Decrease) increase in other income	$	(10	)	$	(13	)	$	96	$	110

Fair Value Measurements and Fair Value of Financial Instruments

9 Months Ended

Sep. 30, 2019

Fair Value Measurements and Fair Value of Financial Instruments [Abstract]

Fair Value Measurements and Fair Value of Financial Instruments

10. Fair Value Measurements and Fair Value of Financial Instruments

Level 1 - Unadjusted quoted prices in active markets that are accessible at the measurement date for identical, unrestricted assets or liabilities;

Level 3 - Prices or valuation techniques that require inputs that are both significant to the fair value measurement and unobservable (i.e., supported by little or no market activity).

A financial instrument’s level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement.

(In thousands)	Level 1		Level 2		Level 3		September 30, 2019
Assets:
AFS securities:
Federal agency	$	-	$	29,831	$	-	$	29,831
State & municipal		-		9		-		9
Mortgage-backed		-		483,510		-		483,510
Collateralized mortgage obligations		-		418,823		-		418,823
Total AFS securities	$	-	$	932,173	$	-	$	932,173
Equity securities		22,818		4,000		-		26,818
Derivatives		-		53,148		-		53,148
Total	$	22,818	$	989,321	$	-	$	1,012,139

Liabilities:
Derivatives	$	-	$	53,102	$	-	$	53,102
Total	$	-	$	53,102	$	-	$	53,102

(In thousands)	Level 1		Level 2		Level 3		December 31, 2018
Assets:
AFS securities:
Federal agency	$	-	$	84,299	$	-	$	84,299
State & municipal		-		29,915		-		29,915
Mortgage-backed		-		512,295		-		512,295
Collateralized mortgage obligations		-		371,987		-		371,987
Total AFS securities	$	-	$	998,496	$	-	$	998,496
Equity securities		19,053		4,000		-		23,053
Derivatives		-		20,000		-		20,000
Total	$	19,053	$	1,022,496	$	-	$	1,041,549

Liabilities:
Derivatives	$	-	$	17,572	$	-	$	17,572
Total	$	-	$	17,572	$	-	$	17,572

During the three months ended September 30, 2019, the Company recorded a $1.0 million write-down of a branch location to fair value of $0.2 million due to a pending disposition of the location.

			September 30, 2019				December 31, 2018
(In thousands)	Fair Value Hierarchy		Carrying Amount		Estimated Fair Value		Carrying Amount		Estimated Fair Value
Financial assets:
HTM securities		2	$	678,435	$	691,189	$	783,599	$	778,675
Net loans		3		6,959,430		6,917,768		6,822,147		6,754,460
Financial liabilities:
Time deposits		2	$	860,291	$	857,455	$	930,678	$	920,534
Long-term debt		2		84,239		84,609		73,724		73,927
Junior subordinated debt		2		101,196		104,311		101,196		100,114

HTM Securities

Net Loans

Time Deposits

Long-Term Debt

The fair value of long-term debt was estimated using a discounted cash flow approach that applies prevailing market interest rates for similar maturity instruments.

Junior Subordinated Debt

The fair value of junior subordinated debt has been estimated using a discounted cash flow analysis.

- Definition

+ References + Details

Commitments and Contingencies	9 Months Ended
Commitments and Contingencies	Sep. 30, 2019
Commitments and Contingencies [Abstract]
Commitments and Contingencies	11. Commitments and Contingencies The Company is a party to certain financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit, unused lines of credit, standby letters of credit and certain agricultural real estate loans sold to investors with recourse, with the sold portion having a government guarantee that is assignable back to the Company upon repurchase of the loan in the event of default. The Company’s exposure to credit loss in the event of nonperformance by the other party to the commitments to extend credit, unused lines of credit, standby letters of credit and loans sold with recourse is represented by the contractual amount of those investments. The credit risk associated with commitments to extend credit and standby and commercial letters of credit is essentially the same as that involved with extending loans to customers and is subject to normal credit policies. Collateral may be obtained based on management’s assessment of the customer’s credit worthiness. Commitments to extend credit and unused lines of credit totaled $2.0 billion at September 30, 2019 and $1.7 billion at December 31, 2018. Since many loan commitments, standby letters of credit and guarantees and indemnification contracts expire without being funded in whole or in part, the contract amounts are not necessarily indicative of future cash flows. The Company does not issue any guarantees that would require liability-recognition or disclosure, other than its standby letters of credit. The Company guarantees the obligations or performance of customers by issuing standby letters of credit to third parties. These standby letters of credit are frequently issued in support of third party debt, such as corporate debt issuances, industrial revenue bonds and municipal securities. The risk involved in issuing standby letters of credit is essentially the same as the credit risk involved in extending loan facilities to customers and letters of credit are subject to the same credit origination, portfolio maintenance and management procedures in effect to monitor other credit and off-balance sheet products. Typically, these instruments have one year expirations with an option to renew upon annual review; therefore, the total amounts do not necessarily represent future cash requirements. Standby letters of credit totaled $30.7 million at September 30, 2019 and $41.2 million at December 31, 2018. As of September 30, 2019 and December 31, 2018, the fair value of the Company’s standby letters of credit was not significant.

Recent Accounting Pronouncements

9 Months Ended

Sep. 30, 2019

Recent Accounting Pronouncements [Abstract]

Recent Accounting Pronouncements

12.	Recent Accounting Pronouncements

Recently Adopted Accounting Standards

Accounting Standards Issued Not Yet Adopted

Description of Business (Policies)	9 Months Ended
Description of Business (Policies)	Sep. 30, 2019
Description of Business [Abstract]
Nature of Operations	NBT Bancorp Inc. (the “Registrant” or the “Company”) is a registered financial holding company incorporated in the state of Delaware in 1986, with its principal headquarters located in Norwich, New York. The principal assets of the Registrant consist of all of the outstanding shares of common stock of its subsidiaries, including: NBT Bank, National Association (the “Bank”), NBT Financial Services, Inc. (“NBT Financial”), NBT Holdings, Inc. (“NBT Holdings”), CNBF Capital Trust I, NBT Statutory Trust I, NBT Statutory Trust II, Alliance Financial Capital Trust I and Alliance Financial Capital Trust II (collectively, the “Trusts”). The Company’s principal sources of revenue are the management fees and dividends it receives from the Bank, NBT Financial and NBT Holdings. The Company’s business, primarily conducted through the Bank, consists of providing commercial banking, retail banking and wealth management services primarily to customers in its market area, which includes central and upstate New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont and the southern coastal Maine area. The Company has been, and intends to continue to be, a community-oriented financial institution offering a variety of financial services. The Company’s business philosophy is to operate as a community bank with local decision-making, providing a broad array of banking and financial services to retail, commercial and municipal customers.

Basis of Presentation (Policies)	9 Months Ended
Basis of Presentation (Policies)	Sep. 30, 2019
Basis of Presentation [Abstract]
Basis of Presentation	The accompanying unaudited interim consolidated financial statements include the accounts of the Registrant and its wholly-owned subsidiaries, the Bank, NBT Financial and NBT Holdings. Collectively, the Registrant and its subsidiaries are referred to herein as “the Company.” The interim data includes all adjustments, consisting only of normal recurring adjustments, necessary for a fair statement of the results for the interim periods in accordance with generally accepted accounting principles in the United States of America (“GAAP”). These unaudited interim consolidated financial statements should be read in conjunction with the audited consolidated financial statements and notes thereto included in our 2018 Annual Report on Form 10-K. The results of operations for the interim periods are not necessarily indicative of the results that may be expected for the full year or any other interim period. All material intercompany transactions have been eliminated in consolidation. The Company has evaluated subsequent events for potential recognition and/or disclosure and there were none identified.

Securities (Policies)	9 Months Ended
Securities (Policies)	Sep. 30, 2019
Securities [Abstract]
Investment, Policy	Declines in the fair value of HTM securities below their amortized cost, less any current period credit loss, that are deemed to be other-than-temporary are reflected in earnings as realized losses or in other comprehensive income (“OCI”). The classification is dependent upon whether the Company intends to sell the security, or whether it is more likely than not, that the Company will be required to sell the security before recovery. The other-than-temporary impairment (“OTTI”) shall be recognized in earnings equal to the entire difference between the investment’s amortized cost basis and its fair value at the balance sheet date. If the Company does not intend to sell the security and it is not more likely than not that the Company will be required to sell the security before recovery of its amortized cost basis less any current-period credit loss, the OTTI shall be separated into (i) the amount representing the credit loss and (ii) the amount related to all other factors. The amount of the total OTTI related to the credit loss shall be recognized in earnings. The amount of the total OTTI related to other factors shall be recognized in OCI, net of applicable taxes. In estimating OTTI losses, management considers, among other things, (i) the length of time and the extent to which the fair value has been less than cost, (ii) the financial condition and near-term prospects of the issuer and (iii) the historical and implied volatility of the fair value of the security. Management has the intent to hold the securities classified as HTM until they mature, at which time it is believed the Company will receive full value for the securities. The unrealized losses on HTM debt securities are due to increases in market interest rates over yields at the time the underlying securities were purchased. When necessary, the Company has performed a discounted cash flow analysis to determine whether or not it will receive the contractual principal and interest on certain securities. The fair value is expected to recover as the bond approaches its maturity date or repricing date or if market yields for such investments declines. Management also has the intent to hold and will not be required to sell, the debt securities classified as AFS for a period of time sufficient for a recovery of cost, which may be until maturity. The unrealized losses on AFS debt securities are due to increases in market interest rates over the yields available at the time the underlying securities were purchased. When necessary, the Company has performed a discounted cash flow analysis to determine whether or not it will receive the contractual principal and interest on certain securities. For AFS debt securities, OTTI losses are recognized in earnings if the Company intends to sell the security. In other cases the Company considers the relevant factors noted above, as well as the Company’s intent and ability to retain its investment for a period of time sufficient to allow for any anticipated recovery in market value and whether evidence exists to support a realizable value equal to or greater than the cost basis. Any impairment loss on an equity security is equal to the full difference between the cost basis and the fair value of the security. Maturities of mortgage-backed, collateralized mortgage obligations and asset-backed securities are stated based on their estimated average lives. Actual maturities may differ from estimated average lives or contractual maturities because, in certain cases, borrowers have the right to call or prepay obligations with or without call or prepayment penalties.

Allowance for Loan Losses and Credit Quality of Loans (Policies)

9 Months Ended

Sep. 30, 2019

Allowance for Loan Losses and Credit Quality of Loans [Abstract]

Portfolio and Class Segments

Portfolio	Class
Commercial Loans	Commercial and Industrial
	Commercial Real Estate
	Business Banking
Consumer Loans	Dealer Finance
	Specialty Lending
	Direct
Residential Real Estate

Allowance for Loan Losses

Commercial Loans

Consumer Loans

The Company offers a variety of Consumer loan products including Dealer Finance, Specialty Lending and Direct loans.

Residential Real Estate

Allowance for Loan Loss Calculation

Credit Quality of Loans

Impaired Loans

Credit Quality Indicators

Commercial Grading System

●

Doubtful

●

Substandard

●

Special Mention

● Pass

Business Banking Grading System

Business Banking loans are graded as either Classified or Non-classified:

●

Classified

●

Non-classified

Loans graded as Non-classified encompass all loans not graded as Classified. Payments on non-classified loans are generally made as agreed.

Consumer and Residential Real Estate Grading System

Consumer and Residential Real Estate loans are graded as either Nonperforming or Performing.

●

Nonperforming

Nonperforming loans are loans that are 1) over 90 days past due and interest is still accruing or 2) on nonaccrual status.

●

Performing

All loans not meeting any of these criteria are considered Performing.

Troubled Debt Restructuring

Troubled Debt Restructured Loans

Leases (Policies)	9 Months Ended
Leases (Policies)	Sep. 30, 2019
Leases [Abstract]
Operating Lease	Operating lease ROU assets represent the Company’s right to use an underlying asset during the lease term and operating lease liabilities represent our obligation to make lease payments arising from the lease. ROU assets and operating lease liabilities are recognized at lease commencement based on the present value of the remaining lease payments using a discount rate that represents the Company’s incremental borrowing rate at the lease commencement date. ROU assets are further adjusted for lease incentives. Operating lease expense, which is comprised of amortization of the ROU asset and the implicit interest accreted on the operating lease liability, is recognized on a straight-line basis over the lease term, and is recorded in occupancy expense in the unaudited interim consolidated statements of income. We have made a policy election to exclude the recognition requirements to all classes of leases with original terms of 12 months or less. Instead, the short-term lease payments are recognized in profit or loss on a straight-line basis over the lease term. The Company has lease agreements with lease and non-lease components, which are generally accounted for separately. For real estate leases, non-lease components and other non-components, such as common area maintenance charges, real estate taxes and insurance are not included in the measurement of the lease liability since they are generally able to be segregated.

Defined Benefit Post-Retirement Plans (Policies)	9 Months Ended
Defined Benefit Post-Retirement Plans (Policies)	Sep. 30, 2019
Defined Benefit Post-Retirement Plans [Abstract]
Postemployment Benefit Plans, Policy	The Company has a qualified, noncontributory, defined benefit pension plan (“the Plan”) covering substantially all of its employees at September 30, 2019. Benefits paid from the plan are based on age, years of service, compensation, and social security benefits and are determined in accordance with defined formulas. The Company’s policy is to fund the Plan in accordance with Employee Retirement Income Security Act of 1974 standards. Assets of the Plan are invested in publicly traded stocks and mutual funds. In addition to the Plan, the Company provides supplemental employee retirement plans to certain current and former executives. The Company also assumed supplemental retirement plans for former executives of Alliance Financial Corporation (“Alliance”) when the Company acquired Alliance. These supplemental employee retirement plans and the Plan are collectively referred to herein as “Pension Benefits.” In addition, the Company provides certain health care benefits for retired employees. Benefits were accrued over the employees’ active service period. Only employees that were employed by the Company on or before January 1, 2000 are eligible to receive post-retirement health care benefits. In addition, the Company assumed post-retirement medical life insurance benefits for certain Alliance employees, retirees and their spouses, if applicable, in the Alliance acquisition. These post-retirement benefits are referred to herein as “Other Benefits.” The Company made no voluntary contributions to the pension and other benefits plans during the three and nine months ended September 30, 2019 and 2018.

Earnings Per Share (Policies)	9 Months Ended
Earnings Per Share (Policies)	Sep. 30, 2019
Earnings Per Share [Abstract]
Earnings Per Share	Basic earnings per share (“EPS”) excludes dilution and is computed by dividing income available to common stockholders by the weighted average number of common shares outstanding for the period. Diluted EPS reflects the potential dilution that could occur if securities or other contracts to issue common stock were exercised or converted into common stock or resulted in the issuance of common stock that then shared in the earnings of the entity (such as the Company’s dilutive stock options and restricted stock units).

Fair Value Measurements and Fair Value of Financial Instruments (Policies)	9 Months Ended
	Sep. 30, 2019
Fair Value Measurements and Fair Value of Financial Instruments [Abstract]
Fair Value of Financial Instruments, Policy	GAAP states that fair value is an exit price, representing the amount that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants. Fair value measurements are not adjusted for transaction costs. A fair value hierarchy exists within GAAP that prioritizes the inputs to valuation techniques used to measure fair value. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (Level 1 measurements) and the lowest priority to unobservable inputs (Level 3 measurements). The three levels of the fair value hierarchy are described below: Level 1 - Unadjusted quoted prices in active markets that are accessible at the measurement date for identical, unrestricted assets or liabilities; Level 2 - Quoted prices for similar assets or liabilities in active markets, quoted prices in markets that are not active or inputs that are observable, either directly or indirectly, for substantially the full term of the asset or liability; Level 3 - Prices or valuation techniques that require inputs that are both significant to the fair value measurement and unobservable (i.e., supported by little or no market activity). A financial instrument’s level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement. The types of instruments valued based on quoted market prices in active markets include most U.S. government and agency securities, many other sovereign government obligations, liquid mortgage products, active listed equities and most money market securities. Such instruments are generally classified within Level 1 or Level 2 of the fair value hierarchy. The Company does not adjust the quoted prices for such instruments. The types of instruments valued based on quoted prices in markets that are not active, broker or dealer quotations or alternative pricing sources with reasonable levels of price transparency include most investment-grade and high-yield corporate bonds, less liquid mortgage products, less liquid agency securities, less liquid listed equities, state, municipal and provincial obligations and certain physical commodities. Such instruments are generally classified within Level 2 of the fair value hierarchy. Certain common equity securities are reported at fair value utilizing Level 1 inputs (exchange quoted prices). Other investment securities are reported at fair value utilizing Level 1 and Level 2 inputs. The prices for Level 2 instruments are obtained through an independent pricing service or dealer market participants with whom the Company has historically transacted both purchases and sales of investment securities. Prices obtained from these sources include prices derived from market quotations and matrix pricing. The fair value measurements consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond’s terms and conditions, among other things. Management reviews the methodologies used in pricing the securities by its third party providers. Level 3 is for positions that are not traded in active markets or are subject to transfer restrictions. Valuations are adjusted to reflect illiquidity and/or non-transferability and such adjustments are generally based on available market evidence. In the absence of such evidence, management’s best estimate will be used. Management’s best estimate consists of both internal and external support on certain Level 3 investments. Subsequent to inception, management only changes Level 3 inputs and assumptions when corroborated by evidence such as transactions in similar instruments, completed or pending third-party transactions in the underlying investment or comparable entities, subsequent rounds of financing, recapitalizations and other transactions across the capital structure, offerings in the equity or debt markets and changes in financial ratios or cash flows. GAAP requires disclosure of assets and liabilities measured and recorded at fair value on a non-recurring basis such as goodwill, loans held for sale, other real estate owned, collateral-dependent impaired loans, mortgage servicing rights and HTM securities. The only non-recurring fair value measurements recorded during the three and nine month periods ended September 30, 2019 and the year ended December 31, 2018 were related to impaired loans and write-downs of other real estate owned. The Company uses the fair value of underlying collateral, less costs to sell, to estimate the specific reserves for collateral dependent impaired loans. The appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses ranging from 10% to 35%. Based on the valuation techniques used, the fair value measurements for collateral dependent impaired loans are classified as Level 3. Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company’s entire holdings of a particular financial instrument. Because no market exists for a significant portion of the Company’s financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with precision. Changes in assumptions could significantly affect the estimates. Fair value estimates are based on existing on and off-balance sheet financial instruments without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments. For example, the Company has a substantial trust and investment management operation that contributes net fee income annually. The trust and investment management operation is not considered a financial instrument and its value has not been incorporated into the fair value estimates. Other significant assets and liabilities include the benefits resulting from the low-cost funding of deposit liabilities as compared to the cost of borrowing funds in the market and premises and equipment. In addition, the tax ramifications related to the realization of the unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in the estimate of fair value. HTM Securities The fair value of the Company’s HTM securities is primarily measured using information from a third party pricing service. The fair value measurements consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond’s terms and conditions, among other things. Net Loans The fair value of the Company’s loans was estimated in accordance with the exit price notion as defined by Financial Accounting Standards Board (“FASB”) Accounting Standard Codification (“ASC”) 820, Fair Value Measurement (“ASC 820”). Net loans include portfolio loans and loans held for sale. Loans were first segregated by type and then further segmented into fixed and variable rate and loan quality categories. Expected future cash flows were projected based on contractual cash flows, adjusted for estimated prepayments, which also includes credit risk, illiquidity risk and other market factors to calculate the exit price fair value in accordance with ASC 820. Time Deposits The fair value of time deposits was estimated using a discounted cash flow approach that applies prevailing market interest rates for similar maturity instruments. The fair values of the Company’s time deposit liabilities do not take into consideration the value of the Company’s long-term relationships with depositors, which may have significant value. Long-Term Debt The fair value of long-term debt was estimated using a discounted cash flow approach that applies prevailing market interest rates for similar maturity instruments. Junior Subordinated Debt The fair value of junior subordinated debt has been estimated using a discounted cash flow analysis.

Recent Accounting Pronouncements (Policies)	9 Months Ended
Recent Accounting Pronouncements (Policies)	Sep. 30, 2019
Recent Accounting Pronouncements [Abstract]
Recently Adopted Accounting Standards	Recently Adopted Accounting Standards In February 2016, the FASB issued Accounting Standards Update (“ASU”) 2016-02, Leases (Topic 842). ASU 2016-02 requires lessees to recognize right-of-use assets and lease liabilities on the balance sheet for all leases with terms longer than 12 months. For leases with a term of 12 months or less, a lessee is permitted to make an accounting policy election by class of underlying asset not to recognize a right-of-use asset and lease liability. Additionally, when measuring assets and liabilities arising from a lease, optional payments should be included only if the lessee is reasonably certain to exercise an option to extend the lease, exercise a purchase option or not exercise an option to terminate the lease. In January 2018, the FASB issued ASU 2018-01, Leases (Topic 842): Land Easement Practical Expedient for Transition to Topic 842. ASU 2018-01 was issued to address concerns about the cost and complexity of complying with the transition provisions of ASU 2016-02. Both ASU 2016-02 and ASU 2018-01 are effective for the Company on January 1, 2019. Lessees and lessors are required to apply the provisions of ASU 2016-02 at the beginning of the earliest period presented using a modified retrospective approach. At its November 29, 2017 meeting, the FASB proposed allowing entities the option of applying the provisions of ASU 2016-02 at the effective date without adjusting the comparative periods presented. In July 2018, the FASB issued ASU 2018-10, Codification Improvements to Topic 842, Leases. ASU 2018-10 was issued to provide more detailed guidance and additional clarification for implementing ASU 2016-02. Also in July 2018, the FASB issued ASU 2018-11, Targeted Improvements, which allows for an optional transition method in which the provisions of ASC Topic 842 would be applied upon the adoption date and would not have to be retroactively applied to the earliest reporting period presented in the consolidated financial statements. The Company adopted ASU 2016-02 as of January 1, 2019 and elected the package of practical expedients permitted under the transition guidance within the new standard, which among other things, allows the carryforward of the historical lease classification, the practical expedient related to land easements and the hindsight practical expedient to determine the reasonably certain lease term for existing leases. The Company made an accounting policy election to keep leases with an initial term of 12 months or less off of the balance sheet and recognize those lease payments in the consolidated statements of income on a straight-line basis over the lease term. The adoption of ASU 2016-02 and related transition guidance resulted in the recognition of additional net lease assets and liabilities of approximately $34 million and $37 million, respectively, as of January 1, 2019. The standard did not materially affect our consolidated net earnings or regulatory capital ratios. Refer to Note 5, Leases for more information. In March 2017, the FASB issued ASU 2017-08, Receivables – Nonrefundable Fees and Other Costs (Subtopic 310-20). ASU 2017-08 requires amortization of premiums to the earliest call date on debt securities with call features that are explicit, on contingent and callable at fixed prices on present dates. The ASU does not impact securities held at a discount; the discount continues to be amortized to the contractual maturity. The guidance is required to be applied with a modified retrospective approach through a cumulative effect adjustment to retained earnings as of the beginning of the period of adoption. ASU 2017-08 is effective for the Company on January 1, 2019. The adoption did not have an impact on the consolidated financial statements and related disclosures and no cumulative effect adjustment was required upon adoption. In October 2018, the FASB issued ASU 2018-16, Derivatives and Hedging (Topic 815) - Inclusion of the Secured Overnight Financing Rate (“SOFR”) Overnight Index Swap (“OIS”) Rate as a Benchmark Interest Rate for Hedge Accounting Purposes. The ASU 2018-16 amends existing guidance permits the use of the OIS rate based on SOFR as a United States benchmark interest rate for hedge accounting purposes under Topic 815 in addition to other allowable rates stated in the guidance. ASU 2018-16 is effective for the Company on January 1, 2019 and should be applied prospectively for qualifying new or redesignated hedging relationships entered into on or after the date of adoption. The adoption did not have an impact on the Company’s consolidated financial statements.
Accounting Standards Issued Not Yet Adopted	Accounting Standards Issued Not Yet Adopted 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 provisions of ASU 2018-13 modify the disclosure requirements on fair value measurements in ASC 820. The amendments on 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 should be applied prospectively for only the most recent interim or annual period presented in the initial fiscal year of adoption. All other amendments should be applied retrospectively to all periods presented upon their effective date. ASU 2018-13 is effective January 1, 2020 but may be early adopted in any interim period. Management is evaluating the effect that this guidance will have on the consolidated financial statements and related disclosures and does not expect the impact to be material. In June 2016, the FASB issued ASU 2016-13, Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments (“CECL”). ASU 2016-13 introduces new guidance that make substantive changes to the accounting for credit losses. ASU 2016-13 introduces the CECL model, which applies to financial assets subject to credit losses and measured at amortized cost, as well as certain off-balance sheet credit exposures. This includes loans, loan commitments, standby letters of credit, net investments in leases recognized by a lessor and HTM debt securities. The CECL model requires an entity to estimate credit losses expected over the life of an exposure, considering information about historical events, current conditions and reasonable and supportable forecasts and is generally expected to result in earlier recognition of credit losses. ASU 2016-13 also modifies certain provisions of the current OTTI model for AFS debt securities. Credit losses on AFS debt securities will be limited to the difference between the security’s amortized cost basis and its fair value and will be recognized through an allowance for credit losses rather than as a direct reduction in amortized cost basis. ASU 2016-13 also provides for a simplified accounting model for purchased financial assets with more than insignificant credit deterioration since their origination. ASU 2016-13 requires expanded disclosures including, but not limited to, (i) information about the methods and assumptions used to estimate expected credit losses, including changes in the factors that influenced management’s estimate and the reasons for those changes, (ii) for financing receivables and net investment in leases measured at amortized cost, further disaggregation of information about the credit quality of those assets and (iii) a rollforward of the allowance for credit losses for HTM and AFS securities. ASU 2016-13 is effective for the Company on January 1, 2020. Early adoption is permitted for all organizations for fiscal years and interim periods within those fiscal years, beginning after December 15, 2018; however, the Company does not intend to early adopt this ASU. Management is evaluating the effect that this guidance will have on the consolidated financial statements and related disclosures, and processes and controls; however, adoption is likely to lead to significant changes in accounting policies related to, and the methods employed in estimating, the allowance for loan and lease losses. It is possible that the impact will be material to the Company’s consolidated financial statements. Moreover, the CECL model may create more volatility in the level of our allowance for loan losses. To date, the Company has completed a gap analysis, adopted a detailed implementation plan, established a formal governance structure for the project, selected and is in the process of implementing a software solution to serve as its CECL platform, hired talent to support the CECL model, documented accounting policy elections, drafted policies to comply with the new standard, selected credit loss methods for key portfolio segments and performed parallel calculations of certain elements of the model to analyze against incurred loss results. The Company has selected a discounted probability of default, loss given default econometric model for the majority of its portfolio segments. In the third quarter of 2019, the Company began a third party model validation process and continues to document process and controls, refine the qualitative framework and perform testing of significant model assumptions including sensitivity analysis and back testing. At this time, the Company has performed estimations of the day 1 impact for internal use only as we continue to finalize all aspects of the CECL implementation. In April 2019, the FASB issued ASU 2019-04, Codification Improvements to Topic 326, Financial Instruments-Credit Losses, which, among other things, clarifies that recoveries should be incorporated within the estimation of the allowance for credit losses. Expected recoveries should not exceed the aggregate amount of prior write offs and expected future write offs. The inclusion of expected recoveries in the measurement of expected credit losses may result in a negative credit allowance in certain circumstances. In May 2019, the FASB issued ASU 2019-05, Financial Instruments - Credit Losses (Topic 326): Targeted Transition Relief. The Company is considering the impact of the irrevocable election of the fair value option (election to elect fair value option for certain financial assets). In August 2018, the FASB issued ASU 2018-14, Compensation – Retirement Benefits – Defined Benefit Plans - General (Subtopic 715-20), provides changes to the disclosure requirements for defined benefit plans. The amended guidance modifies the disclosure requirements for employers that sponsor defined benefit pension or other postretirement plans. The amendments are a result of the disclosure framework project that focuses on improvements to the effectiveness of disclosures in the notes to financial statements. The amendments remove and add certain disclosure requirements. The disclosure requirements being removed relating to public companies are (1) the amounts in accumulated other comprehensive income expected to be recognized as components of net periodic benefit cost over the next fiscal year, (2) the amount and timing of plan assets expected to be returned to the employer, (3) the 2001 disclosure requirement relating to Japanese Welfare Pension Insurance Law, (4) related party disclosures about the amount of future annual benefits covered by insurance, and (5) the effects of a one-percentage-point change in assumed health care cost trends on the benefit cost and obligation. The disclosure requirements being added relating to public companies are (1) the weighted-average interest crediting rates for cash balance plans, and (2) an explanation of the reasons for significant gains and losses related to changes in the benefit obligation for the period. ASU 2018-14 is effective for the Company on January 1, 2021 and early adoption is permitted. The amendments should be applied retrospectively and the Company does not expect the guidance to have a material impact on its disclosures to the consolidated financial statements. In August 2018, the FASB issued ASU 2018-15, Intangibles – Goodwill and Other – Internal-Use Software (Subtopic 350-40) – Customer’s Accounting for Implementation Costs Incurred in a Cloud Computing Arrangement that is a Service Contract. ASU 2018-15 amends existing guidance and requires a hosting arrangement that is a service contract to follow the guidance in Subtopic 350-40 to determine which implementation costs to capitalize and which costs to expense. ASU 2018-15 is effective for the Company on January 1, 2020, and early adoption is permitted. The amendments should be applied either retrospectively or prospectively to all implementation costs incurred after the date of adoption. The Company is evaluating the impact that the guidance will have on its consolidated financial statements.

Securities (Tables)

9 Months Ended

Sep. 30, 2019

Securities [Abstract]

Amortized Cost, Estimated Fair Value and Unrealized Gains (Losses) of Available for Sale ("AFS") Securities

The amortized cost, estimated fair value and unrealized gains (losses) of available for sale (“AFS”) securities are as follows:

(In thousands)	Amortized Cost		Unrealized Gains		Unrealized Losses		Estimated Fair Value
As of September 30, 2019
Federal agency	$	29,998	$	-	$	167	$	29,831
State & municipal		9		-		-		9
Mortgage-backed:
Government-sponsored enterprises		433,393		4,494		292		437,595
U.S. government agency securities		44,912		1,021		18		45,915
Collateralized mortgage obligations:
Government-sponsored enterprises		343,682		2,484		456		345,710
U.S. government agency securities		72,443		887		217		73,113
Total AFS securities	$	924,437	$	8,886	$	1,150	$	932,173
As of December 31, 2018
Federal agency	$	84,982	$	10	$	693	$	84,299
State & municipal		30,136		16		237		29,915
Mortgage-backed:
Government-sponsored enterprises		493,225		439		10,354		483,310
U.S. government agency securities		29,190		270		475		28,985
Collateralized mortgage obligations:
Government-sponsored enterprises		332,409		344		7,211		325,542
U.S. government agency securities		47,684		137		1,376		46,445
Total AFS securities	$	1,017,626	$	1,216	$	20,346	$	998,496

Components of Net Realized Gains (Losses) on Sale of AFS Securities

The components of net realized gains (losses) on AFS securities are as follows. These amounts were reclassified out of accumulated other comprehensive income (loss) (“AOCI”) and into earnings.

	Three Months Ended September 30,
(In thousands)	2019		2018
Gross realized gains	$	20	$	-
Gross realized (losses)		-		-
Net AFS realized gains	$	20	$	-

	Nine Months Ended September 30,
(In thousands)	2019			2018
Gross realized gains	$	73		$	-
Gross realized (losses)		(152	)		-
Net AFS realized (losses)	$	(79	)	$	-

Amortized Cost, Estimated Fair Value, and Unrealized Gains (Losses) of Held to Maturity Securities

The amortized cost, estimated fair value and unrealized gains (losses) of held to maturity (“HTM”) securities are as follows:

(In thousands)	Amortized Cost		Unrealized Gains		Unrealized Losses		Estimated Fair Value
As of September 30, 2019
Federal agency	$	10,000	$	6	$	-	$	10,006
Mortgage-backed:
Government-sponsored enterprises		154,701		3,139		127		157,713
U.S. government agency securities		13,679		785		-		14,464
Collateralized mortgage obligations:
Government-sponsored enterprises		213,409		2,849		365		215,893
U.S. government agency securities		112,974		4,001		64		116,911
State & municipal		173,672		2,544		14		176,202
Total HTM securities	$	678,435	$	13,324	$	570	$	691,189
As of December 31, 2018
Federal agency	$	19,995	$	52	$	-	$	20,047
Mortgage-backed:
Government-sponsored enterprises		164,618		712		2,773		162,557
U.S. government agency securities		15,230		403		-		15,633
Collateralized mortgage obligations:
Government-sponsored enterprises		257,475		1,097		3,897		254,675
U.S. government agency securities		83,148		767		-		83,915
State & municipal		243,133		331		1,616		241,848
Total HTM securities	$	783,599	$	3,362	$	8,286	$	778,675

Investment Securities with Unrealized Losses

	Less Than 12 Months							12 Months or Longer							Total
(In thousands)	Fair Value		Unrealized Losses			Number of Positions		Fair Value		Unrealized Losses			Number of Positions		Fair Value		Unrealized Losses			Number of Positions
As of September 30, 2019
AFS securities:
Federal agency	$	19,965	$	(33	)		2	$	9,866	$	(134	)		1	$	29,831	$	(167	)		3
Mortgage-backed		36,017		(69	)		18		39,394		(241	)		16		75,411		(310	)		34
Collateralized mortgage obligations		60,272		(170	)		11		72,528		(503	)		23		132,800		(673	)		34
Total securities with unrealized losses	$	116,254	$	(272	)		31	$	121,788	$	(878	)		40	$	238,042	$	(1,150	)		71

HTM securities:
Mortgage-backed	$	-	$	-			-	$	26,836	$	(127	)		2	$	26,836	$	(127	)		2
Collateralized mortgage obligations		18,656		(129	)		3		23,708		(300	)		5		42,364		(429	)		8
State & municipal		5,447		(14	)		8		-		-			-		5,447		(14	)		8
Total securities with unrealized losses	$	24,103	$	(143	)		11	$	50,544	$	(427	)		7	$	74,647	$	(570	)		18

As of December 31, 2018
AFS securities:
Federal agency	$	-	$	-			-	$	64,294	$	(693	)		6	$	64,294	$	(693	)		6
State & municipal		1,715		(3	)		3		22,324		(234	)		35		24,039		(237	)		38
Mortgage-backed		18,462		(65	)		12		428,440		(10,764	)		101		446,902		(10,829	)		113
Collateralized mortgage obligations		12,118		(69	)		5		320,908		(8,518	)		62		333,026		(8,587	)		67
Total securities with unrealized losses	$	32,295	$	(137	)		20	$	835,966	$	(20,209	)		204	$	868,261	$	(20,346	)		224

HTM securities:
Mortgage-backed	$	-	$	-			-	$	82,579	$	(2,773	)		6	$	82,579	$	(2,773	)		6
Collateralized mortgage obligations		4,386		(7	)		2		145,396		(3,890	)		26		149,782		(3,897	)		28
State & municipal		18,907		(84	)		30		58,258		(1,532	)		86		77,165		(1,616	)		116
Total securities with unrealized losses	$	23,293	$	(91	)		32	$	286,233	$	(8,195	)		118	$	309,526	$	(8,286	)		150

Gains and Losses on Equity Securities

The following tables set forth information with regard to gains and losses on equity securities:

	Three Months Ended September 30,
(In thousands)	2019		2018
Net gains and losses recognized on equity securities	$	4,012	$	412
Less: Net gains and losses recognized during the period on equity securities sold during the period		3,966		511
Unrealized gains and losses recognized on equity securities still held	$	46	$	(99	)

	Nine Months Ended September 30,
(In thousands)	2019		2018
Net gains and losses recognized on equity securities	$	4,099	$	575
Less: Net gains and losses recognized during the period on equity securities sold during the period		3,966		555
Unrealized gains and losses recognized on equity securities still held	$	133	$	20

Contractual Maturities of Debt Securities

The following tables set forth information with regard to contractual maturities of debt securities at September 30, 2019:

(In thousands)	Amortized Cost		Estimated Fair Value
AFS debt securities:
Within one year	$	37	$	37
From one to five years		30,404		30,393
From five to ten years		171,485		173,220
After ten years		722,511		728,523
Total AFS debt securities	$	924,437	$	932,173
HTM debt securities:
Within one year	$	26,940	$	26,940
From one to five years		68,113		68,531
From five to ten years		179,381		183,425
After ten years		404,001		412,293
Total HTM debt securities	$	678,435	$	691,189

Allowance for Loan Losses and Credit Quality of Loans (Tables)

9 Months Ended

Sep. 30, 2019

Allowance for Loan Losses and Credit Quality of Loans [Abstract]

Portfolio and Class Segments

Portfolio	Class
Commercial Loans	Commercial and Industrial
	Commercial Real Estate
	Business Banking
Consumer Loans	Dealer Finance
	Specialty Lending
	Direct
Residential Real Estate

Allowance for Loan Losses by Portfolio

The following tables illustrate the changes in the allowance for loan losses by our portfolio segments:

(In thousands)	Commercial Loans			Consumer Loans			Residential Real Estate			Total
Balance as of June 30, 2019	$	33,152		$	36,534		$	2,479		$	72,165
Charge-offs		(865	)		(6,976	)		(174	)		(8,015	)
Recoveries		132			1,746			13			1,891
Provision		1,021			5,031			272			6,324
Ending Balance as of September 30, 2019	$	33,440		$	36,335		$	2,590		$	72,365

Balance as of June 30, 2018	$	31,059		$	36,479		$	4,912		$	72,450
Charge-offs		(823	)		(6,818	)		(123	)		(7,764	)
Recoveries		410			1,602			81			2,093
Provision		1,086			6,044			(1,104	)		6,026
Ending Balance as of September 30, 2018	$	31,732		$	37,307		$	3,766		$	72,805

(In thousands)	Commercial Loans			Consumer Loans			Residential Real Estate			Total
Balance as of December 31, 2018	$	32,759		$	37,178		$	2,568		$	72,505
Charge-offs		(2,783	)		(21,336	)		(782	)		(24,901	)
Recoveries		344			4,887			122			5,353
Provision		3,120			15,606			682			19,408
Ending Balance as of September 30, 2019	$	33,440		$	36,335		$	2,590		$	72,365

Balance as of December 31, 2017	$	27,606		$	36,830		$	5,064		$	69,500
Charge-offs		(2,535	)		(21,947	)		(513	)		(24,995	)
Recoveries		780			4,946			274			6,000
Provision		5,881			17,478			(1,059	)		22,300
Ending Balance as of September 30, 2018	$	31,732		$	37,307		$	3,766		$	72,805

The following tables illustrate the allowance for loan losses and the recorded investment by portfolio segments:

(In thousands)	Commercial Loans		Consumer Loans		Residential Real Estate		Total
As of September 30, 2019
Allowance for loan losses	$	33,440	$	36,335	$	2,590	$	72,365
Allowance for loans individually evaluated for impairment		-		-		-		-
Allowance for loans collectively evaluated for impairment	$	33,440	$	36,335	$	2,590	$	72,365
Ending balance of loans	$	3,351,201	$	2,245,688	$	1,416,920	$	7,013,809
Ending balance of originated loans individually evaluated for impairment		3,117		7,267		7,673		18,057
Ending balance of acquired loans collectively evaluated for impairment		132,811		25,421		131,457		289,689
Ending balance of originated loans collectively evaluated for impairment	$	3,215,273	$	2,213,000	$	1,277,790	$	6,706,063

As of December 31, 2018
Allowance for loan losses	$	32,759	$	37,178	$	2,568	$	72,505
Allowance for loans individually evaluated for impairment		25		-		-		25
Allowance for loans collectively evaluated for impairment	$	32,734	$	37,178	$	2,568	$	72,480
Ending balance of loans	$	3,222,310	$	2,284,563	$	1,380,836	$	6,887,709
Ending balance of originated loans individually evaluated for impairment		5,786		7,887		6,905		20,578
Ending balance of acquired loans collectively evaluated for impairment		143,690		31,624		147,277		322,591
Ending balance of originated loans collectively evaluated for impairment	$	3,072,834	$	2,245,052	$	1,226,654	$	6,544,540

Past due and Nonperforming Loans by Loan Class

The following tables set forth information with regard to past due and nonperforming loans by loan class:

(In thousands)	31-60 Days Past Due Accruing		61-90 Days Past Due Accruing		Greater Than 90 Days Past Due Accruing		Total Past Due Accruing		Nonaccrual		Current		Recorded Total Loans
As of September 30, 2019
Originated
Commercial Loans:
C&I	$	505	$	-	$	-	$	505	$	729	$	836,593	$	837,827
CRE		3,646		-		4,839		8,485		4,664		1,832,708		1,845,857
Business Banking		2,118		313		67		2,498		6,524		525,684		534,706
Total Commercial Loans	$	6,269	$	313	$	4,906	$	11,488	$	11,917	$	3,194,985	$	3,218,390
Consumer Loans:
Dealer Finance	$	11,167	$	1,965	$	1,094	$	14,226	$	2,241	$	1,179,316	$	1,195,783
Specialty Lending		3,681		1,655		1,568		6,904		-		521,601		528,505
Direct		1,778		1,090		208		3,076		2,553		490,350		495,979
Total Consumer Loans	$	16,626	$	4,710	$	2,870	$	24,206	$	4,794	$	2,191,267	$	2,220,267
Residential Real Estate	$	1,582	$	100	$	500	$	2,182	$	6,311	$	1,276,970	$	1,285,463
Total Originated Loans	$	24,477	$	5,123	$	8,276	$	37,876	$	23,022	$	6,663,222	$	6,724,120

Acquired
Commercial Loans:
C&I	$	-	$	-	$	-	$	-	$	-	$	28,823	$	28,823
CRE		-		-		-		-		-		67,853		67,853
Business Banking		445		-		-		445		366		35,324		36,135
Total Commercial Loans	$	445	$	-	$	-	$	445	$	366	$	132,000	$	132,811
Consumer Loans:
Direct	$	276	$	43	$	-	$	319	$	131	$	24,971	$	25,421
Total Consumer Loans	$	276	$	43	$	-	$	319	$	131	$	24,971	$	25,421
Residential Real Estate	$	1,102	$	-	$	66	$	1,168	$	1,104	$	129,185	$	131,457
Total Acquired Loans	$	1,823	$	43	$	66	$	1,932	$	1,601	$	286,156	$	289,689

Total Loans	$	26,300	$	5,166	$	8,342	$	39,808	$	24,623	$	6,949,378	$	7,013,809

(In thousands)	31-60 Days Past Due Accruing		61-90 Days Past Due Accruing		Greater Than 90 Days Past Due Accruing		Total Past Due Accruing		Nonaccrual		Current		Recorded Total Loans
As of December 31, 2018
Originated
Commercial Loans:
C&I	$	909	$	-	$	-	$	909	$	1,062	$	846,148	$	848,119
CRE		1,089		-		588		1,677		4,995		1,734,558		1,741,230
Business Banking		1,092		302		-		1,394		5,974		481,903		489,271
Total Commercial Loans	$	3,090	$	302	$	588	$	3,980	$	12,031	$	3,062,609	$	3,078,620
Consumer Loans:
Dealer Finance	$	14,519	$	2,300	$	1,186	$	18,005	$	1,971	$	1,196,136	$	1,216,112
Specialty Lending		3,479		1,773		1,562		6,814		-		518,114		524,928
Direct		2,962		1,437		552		4,951		2,592		504,356		511,899
Total Consumer Loans	$	20,960	$	5,510	$	3,300	$	29,770	$	4,563	$	2,218,606	$	2,252,939
Residential Real Estate	$	1,426	$	157	$	1,182	$	2,765	$	6,778	$	1,224,016	$	1,233,559
Total Originated Loans	$	25,476	$	5,969	$	5,070	$	36,515	$	23,372	$	6,505,231	$	6,565,118

Acquired
Commercial Loans:
C&I	$	-	$	-	$	-	$	-	$	-	$	26,124	$	26,124
CRE		-		-		-		-		-		84,492		84,492
Business Banking		466		288		-		754		390		31,930		33,074
Total Commercial Loans	$	466	$	288	$	-	$	754	$	390	$	142,546	$	143,690
Consumer Loans:
Dealer Finance	$	1	$	1	$	-	$	2	$	-	$	30	$	32
Direct		152		41		15		208		227		31,157		31,592
Total Consumer Loans	$	153	$	42	$	15	$	210	$	227	$	31,187	$	31,624
Residential Real Estate	$	546	$	42	$	-	$	588	$	1,498	$	145,191	$	147,277
Total Acquired Loans	$	1,165	$	372	$	15	$	1,552	$	2,115	$	318,924	$	322,591

Total Loans	$	26,641	$	6,341	$	5,085	$	38,067	$	25,487	$	6,824,155	$	6,887,709

Impaired Loans and Specific Reserve Allocations

The following table provides information on loans specifically evaluated for impairment:

	September 30, 2019						December 31, 2018
(In thousands)	Recorded Investment Balance (Book)		Unpaid Principal Balance (Legal)		Related Allowance		Recorded Investment Balance (Book)		Unpaid Principal Balance (Legal)		Related Allowance
Originated
With no related allowance recorded:
Commercial Loans:
C&I	$	78	$	304	$		$	228	$	497	$
CRE		2,046		2,046				4,312		6,330
Business Banking		993		1,412				1,013		2,001
Total Commercial Loans	$	3,117	$	3,762			$	5,553	$	8,828
Consumer Loans:
Dealer Finance	$	194	$	279			$	143	$	241
Direct		7,073		8,464				7,744		9,831
Total Consumer Loans	$	7,267	$	8,743			$	7,887	$	10,072
Residential Real Estate	$	7,673	$	9,620			$	6,905	$	9,414
Total	$	18,057	$	22,125			$	20,345	$	28,314

With an allowance recorded:
Commercial Loans:
C&I	$	-	$	-	$	-	$	233	$	238	$	25
Total Commercial Loans	$	-	$	-	$	-	$	233	$	238	$	25

Total Loans	$	18,057	$	22,125	$	-	$	20,578	$	28,552	$	25

The following tables summarize the average recorded investments on loans specifically evaluated for impairment and the interest income recognized:

	For the Three Months Ended
	September 30, 2019				September 30, 2018
(In thousands)	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
Originated
Commercial Loans:
C&I	$	115	$	-	$	433	$	-
CRE		2,554		30		3,645		32
Business Banking		1,002		7		1,024		4
Total Commercial Loans	$	3,671	$	37	$	5,102	$	36
Consumer Loans:
Dealer Finance	$	213	$	3	$	177	$	4
Direct		7,293		95		7,730		102
Total Consumer Loans	$	7,506	$	98	$	7,907	$	106
Residential Real Estate	$	7,629	$	93	$	6,519	$	68
Total Originated	$	18,806	$	228	$	19,528	$	210

Total Loans	$	18,806	$	228	$	19,528	$	210

	For the Nine Months Ended
	September 30, 2019				September 30, 2018
(In thousands)	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
Originated
Commercial Loans:
C&I	$	291	$	1	$	449	$	1
CRE		3,577		91		3,999		96
Business Banking		1,111		18		998		12
Total Commercial Loans	$	4,979	$	110	$	5,446	$	109
Consumer Loans:
Dealer Finance	$	201	$	9	$	187	$	8
Direct		7,518		291		7,953		317
Total Consumer Loans	$	7,719	$	300	$	8,140	$	325
Residential Real Estate	$	7,428	$	252	$	6,719	$	212
Total Originated	$	20,126	$	662	$	20,305	$	646

Total Loans	$	20,126	$	662	$	20,305	$	646

Financing Receivable Credit Quality by Loan Class

The following tables illustrate the Company’s credit quality by loan class:

(In thousands)	As of September 30, 2019
Originated
Commercial Credit Exposure By Internally Assigned Grade:	C&I		CRE		Total
Pass	$	771,776	$	1,762,016	$	2,533,792
Special Mention		32,992		39,368		72,360
Substandard		33,059		44,473		77,532
Total	$	837,827	$	1,845,857	$	2,683,684

Business Banking Credit Exposure By Internally Assigned Grade:	Business Banking		Total
Non-classified	$	520,830	$	520,830
Classified		13,876		13,876
Total	$	534,706	$	534,706

Consumer Credit Exposure By Payment Activity:	Dealer Finance		Specialty Lending		Direct		Total
Performing	$	1,192,448	$	526,937	$	493,218	$	2,212,603
Nonperforming		3,335		1,568		2,761		7,664
Total	$	1,195,783	$	528,505	$	495,979	$	2,220,267

Residential Real Estate Credit Exposure By Payment Activity:	Residential Real Estate		Total
Performing	$	1,278,652	$	1,278,652
Nonperforming		6,811		6,811
Total	$	1,285,463	$	1,285,463

Acquired
Commercial Credit Exposure
By Internally Assigned Grade:	C&I		CRE		Total
Pass	$	21,781	$	67,441	$	89,222
Special Mention		2,860		-		2,860
Substandard		4,182		412		4,594
Total	$	28,823	$	67,853	$	96,676

Business Banking Credit Exposure By Internally Assigned Grade:	Business Banking		Total
Non-classified	$	33,499	$	33,499
Classified		2,636		2,636
Total	$	36,135	$	36,135

Consumer Credit Exposure
By Payment Activity:	Direct		Total
Performing	$	25,290	$	25,290
Nonperforming		131		131
Total	$	25,421	$	25,421

Residential Real Estate Credit Exposure By Payment Activity:	Residential Real Estate		Total
Performing	$	130,287	$	130,287
Nonperforming		1,170		1,170
Total	$	131,457		131,457

(In thousands)	As of December 31, 2018
Originated
Commercial Credit Exposure
By Internally Assigned Grade:	C&I		CRE		Total
Pass	$	796,778	$	1,681,330	$	2,478,108
Special Mention		11,348		13,894		25,242
Substandard		39,993		46,006		85,999
Total	$	848,119	$	1,741,230	$	2,589,349

Business Banking Credit Exposure By Internally Assigned Grade:	Business Banking		Total
Non-classified	$	476,052	$	476,052
Classified		13,219		13,219
Total	$	489,271	$	489,271

Consumer Credit Exposure By Payment Activity:	Dealer Finance		Specialty Lending		Direct		Total
Performing	$	1,212,955	$	523,366	$	508,755	$	2,245,076
Nonperforming		3,157		1,562		3,144		7,863
Total	$	1,216,112	$	524,928	$	511,899	$	2,252,939

Residential Real Estate Credit Exposure By Payment Activity:	Residential Real Estate		Total
Performing	$	1,225,599	$	1,225,599
Nonperforming		7,960		7,960
Total	$	1,233,559	$	1,233,559

Acquired
Commercial Credit Exposure
By Internally Assigned Grade:	C&I		CRE		Total
Pass	$	23,283	$	83,762	$	107,045
Special Mention		2,831		92		2,923
Substandard		10		638		648
Total	$	26,124	$	84,492	$	110,616

Business Banking Credit Exposure By Internally Assigned Grade:	Business Banking		Total
Non-classified	$	29,945	$	29,945
Classified		3,129		3,129
Total	$	33,074	$	33,074

Consumer Credit Exposure By Payment Activity:	Dealer Finance		Direct		Total
Performing	$	32	$	31,350	$	31,382
Nonperforming		-		242		242
Total	$	32	$	31,592	$	31,624

Residential Real Estate Credit Exposure By Payment Activity:	Residential Real Estate		Total
Performing	$	145,779	$	145,779
Nonperforming		1,498		1,498
Total	$	147,277	$	147,277

Troubled Debt Restructurings on Financing Receivables

	Three Months Ended September 30, 2019						Three Months Ended September 30, 2018
(Dollars in thousands)	Number of Contracts		Pre- Modification Outstanding Recorded Investment		Post- Modification Outstanding Recorded Investment		Number of Contracts		Pre- Modification Outstanding Recorded Investment		Post- Modification Outstanding Recorded Investment
Consumer Loans:
Dealer Finance		-	$	-	$	-		8	$	90	$	89
Direct		1		30		37		-		-		-
Total Consumer Loans		1	$	30	$	37		8	$	90	$	89
Residential Real Estate		2	$	186	$	203		-	$	-	$	-
Total Troubled Debt Restructurings		3	$	216	$	240		8	$	90	$	89

	Nine Months Ended September 30, 2019						Nine Months Ended September 30, 2018
(Dollars in thousands)	Number of Contracts		Pre- Modification Outstanding Recorded Investment		Post- Modification Outstanding Recorded Investment		Number of Contracts		Pre- Modification Outstanding Recorded Investment		Post- Modification Outstanding Recorded Investment
Commercial Loans:
C&I		1	$	65	$	65		-	$	-	$	-
Business Banking		2		388		388		3		369		371
Total Commercial Loans		3	$	453	$	453		3	$	369	$	371
Consumer Loans:
Dealer Finance		9	$	134	$	134		15	$	185	$	183
Direct		9		418		434		2		41		41
Total Consumer Loans		18	$	552	$	568		17	$	226	$	224
Residential Real Estate		10	$	942	$	990		5	$	323	$	323
Total Troubled Debt Restructurings		31	$	1,947	$	2,011		25	$	918	$	918

The following tables illustrate the recorded investment and number of modifications for TDRs where a concession has been made and subsequently defaulted during the period:

	Three Months Ended September 30, 2019				Three Months Ended September 30, 2018
(Dollars in thousands)	Number of Contracts		Recorded Investment		Number of Contracts		Recorded Investment
Consumer Loans:
Dealer Finance		1	$	10		-	$	-
Direct		9		332		17		816
Total Consumer Loans		10	$	342		17	$	816
Residential Real Estate		9	$	572		5	$	398
Total Troubled Debt Restructurings		19	$	914		22	$	1,214

	Nine Months Ended September 30, 2019				Nine Months Ended September 30, 2018
(Dollars in thousands)	Number of Contracts		Recorded Investment		Number of Contracts		Recorded Investment
Commercial Loans:
Business Banking		-	$	-		2	$	258
Total Commercial Loans		-	$	-		2	$	258
Consumer Loans:
Dealer Finance		2	$	17		-	$	-
Direct		24		1,109		35		1,740
Total Consumer Loans		26	$	1,126		35	$	1,740
Residential Real Estate		19	$	1,087		17	$	1,239
Total Troubled Debt Restructurings		45	$	2,213		54	$	3,237

Leases (Tables)

9 Months Ended

Sep. 30, 2019

Leases [Abstract]

Net Lease Cost

The table below summarizes our net lease cost:

(In thousands)	Three Months Ended September 30, 2019			Nine Months Ended September 30, 2019
Operating lease cost	$	1,806		$	5,396
Variable lease cost		524			1,782
Short-term lease cost		86			263
Sublease income		(119	)		(332	)
Total operating lease cost	$	2,297		$	7,109

Future Minimum Rental Commitments Related to Non-cancelable Operating Leases

The table below show future minimum rental commitments related to non-cancelable operating leases for the next five years and thereafter as of September 30, 2019.

(In thousands)
2019	$	1,807
2020		7,179
2021		6,429
2022		5,590
2023		4,751
Thereafter		15,892
Total lease payments	$	41,648
Less: interest		(4,878	)
Present value of lease liabilities	$	36,770

Additional Information for Operating Leases

(In thousands except for percent and period data)	September 30, 2019
Weighted average remaining lease term, in years		7.71
Weighted average discount rate		3.03	%
Cash paid for amounts included in the measurement of lease liabilities:
Operating cash flows from operating leases	$	4,652
ROU assets obtained in exchange for lease liabilities		38,958

Future Minimum Rental Payments Related to Non-cancelable Operating Leases

The following table shows the future minimum rental payments related to non-cancelable operating leases with original terms of one year or more as of December 31, 2018.

(In thousands)
2019	$	6,890
2020		6,467
2021		5,613
2022		4,773
2023		3,972
Thereafter		13,869
Total	$	41,584

Defined Benefit Post-Retirement Plans (Tables)

9 Months Ended

Sep. 30, 2019

Defined Benefit Post-Retirement Plans [Abstract]

Net Periodic Pension Benefits and Other Benefit Costs

The components of expense for Pension Benefits and Other Benefits are set forth below:

	Pension Benefits						Other Benefits
	Three Months Ended September 30,						Three Months Ended September 30,
(In thousands)	2019			2018			2019		2018
Components of net periodic cost (benefit):
Service cost	$	431		$	415		$	1	$	3
Interest cost		986			912			67		82
Expected return on plan assets		(1,869	)		(2,119	)		-		-
Net amortization		658			242			14		44
Total net periodic cost (benefit)	$	206		$	(550	)	$	82	$	129

	Pension Benefits						Other Benefits
	Nine Months Ended September 30,						Nine Months Ended September 30,
(In thousands)	2019			2018			2019		2018
Components of net periodic cost (benefit):
Service cost	$	1,301		$	1,256		$	5	$	8
Interest cost		2,948			2,752			229		245
Expected return on plan assets		(5,615	)		(6,364	)		-		-
Net amortization		1,936			745			49		131
Total net periodic cost (benefit)	$	570		$	(1,611	)	$	283	$	384

Earnings Per Share (Tables)

9 Months Ended

Sep. 30, 2019

Earnings Per Share [Abstract]

Reconciliation of Basic and Diluted Earnings Per Share

The following is a reconciliation of basic and diluted EPS for the periods presented in the unaudited interim consolidated statements of income:

	Three Months Ended September 30,
(In thousands, except per share data)	2019		2018
Basic EPS:
Weighted average common shares outstanding		43,825		43,714
Net income available to common stockholders	$	32,379	$	29,807
Basic EPS	$	0.74	$	0.68

Diluted EPS:
Weighted average common shares outstanding		43,825		43,714
Dilutive effect of common stock options and restricted stock		313		337
Weighted average common shares and common share equivalents		44,138		44,051
Net income available to common stockholders	$	32,379	$	29,807
Diluted EPS	$	0.73	$	0.68

	Nine Months Ended September 30,
(In thousands, except per share data)	2019		2018
Basic EPS:
Weighted average common shares outstanding		43,806		43,692
Net income available to common stockholders	$	92,061	$	83,914
Basic EPS	$	2.10	$	1.92

Diluted EPS:
Weighted average common shares outstanding		43,806		43,692
Dilutive effect of common stock options and restricted stock		302		317
Weighted average common shares and common share equivalents		44,108		44,009
Net income available to common stockholders	$	92,061	$	83,914
Diluted EPS	$	2.09	$	1.91

Reclassification Adjustments Out of Other Comprehensive Income (Loss) (Tables)

9 Months Ended

Sep. 30, 2019

Reclassification Adjustments Out of Other Comprehensive Income (Loss) [Abstract]

Reclassification Out of Accumulated Other Comprehensive Income

The following table summarizes the reclassification adjustments out of accumulated other comprehensive income (loss) (“AOCI”):

Detail About AOCI Components	Amount Reclassified From AOCI						Affected Line Item in the Consolidated Statement of Comprehensive Income (Loss)
	Three Months Ended
(In thousands)	September 30, 2019			September 30, 2018
AFS securities:
Gains on AFS securities	$	(20	)	$	-		Net securities gains
Amortization of unrealized gains related to securities transfer		190			168		Interest income
Tax effect	$	(42	)	$	(42	)	Income tax (benefit)
Net of tax	$	128		$	126

Cash flow hedges:
Net unrealized (gains) on cash flow hedges reclassified to interest expense	$	(395	)	$	(638	)	Interest expense
Tax effect	$	98		$	159		Income tax expense
Net of tax	$	(297	)	$	(479	)

Pension and other benefits:
Amortization of net losses	$	649		$	263		Other noninterest expense
Amortization of prior service costs		23			23		Other noninterest expense
Tax effect	$	(168	)	$	(71	)	Income tax (benefit)
Net of tax	$	504		$	215

Total reclassifications, net of tax	$	335		$	(138	)

Detail About AOCI Components	Amount Reclassified From AOCI						Affected Line item in the Consolidated Statement of Comprehensive Income (Loss)
	Nine Months Ended
(In thousands)	September 30, 2019			September 30, 2018
AFS securities:
Losses on AFS securities	$	79		$	-		Net securities gains
Amortization of unrealized gains related to securities transfer		556			533		Interest income
Tax effect	$	(159	)	$	(133	)	Income tax (benefit)
Net of tax	$	476		$	400

Cash flow hedges:
Net unrealized (gains) on cash flow hedges reclassified to interest expense	$	(1,932	)	$	(1,537	)	Interest expense
Tax effect	$	483		$	384		Income tax expense
Net of tax	$	(1,449	)	$	(1,153	)

Pension and other benefits:
Amortization of net losses	$	1,916		$	809		Other noninterest expense
Amortization of prior service costs		69			67		Other noninterest expense
Tax effect	$	(496	)	$	(219	)	Income tax (benefit)
Net of tax	$	1,489		$	657

Total reclassifications, net of tax	$	516		$	(96	)

Derivative Instruments and Hedging Activities (Tables)

9 Months Ended

Sep. 30, 2019

Derivative Instruments and Hedging Activities Disclosures [Line Items]

Fair Value Adjustment Recorded Related to Notional Amount of Derivatives Outstanding and Notional Amount of Risk Participation Agreements

The following table depicts the fair value adjustment recorded related to the notional amount of derivatives outstanding as well as the notional amount of risk participation agreements:

	September 30,		December 31,
(In thousands)	2019		2018
Derivatives Not Designated as Hedging Instruments:
Fair value adjustment included in other assets and other liabilities
Interest rate derivatives	$	52,925	$	17,572
Notional amount:
Interest rate derivatives		793,805		653,369
Risk participation agreements		72,496		70,785
Derivatives Designated as Hedging Instruments:
Fair value adjustment included in other assets
Interest rate derivatives		142		2,428
Fair value adjustment included in other liabilities
Interest rate derivatives		61		-
Notional amount:
Interest rate derivatives		100,000		225,000

Designated as Hedging Instrument [Member] | Cash Flow Hedging [Member]

Derivative Instruments and Hedging Activities Disclosures [Line Items]

Effect of Derivatives on AOCI and on Consolidated Statement of Income

The following table indicates the effect of cash flow hedge accounting on AOCI and on the unaudited interim consolidated statement of income:

	Three Months Ended September 30,						Nine Months Ended September 30,
(In thousands)	2019			2018			2019			2018
Derivatives Designated as Hedging Instruments:
Interest rate derivatives - included component
Amount of (loss) or gain recognized in OCI	$	9		$	175		$	(475	)	$	1,647
Amount of (gain) reclassified from AOCI into interest expense		(395	)		(638	)		(1,932	)		(1,537	)

Not Designated as Hedging Instrument [Member]

Derivative Instruments and Hedging Activities Disclosures [Line Items]

Effect of Derivatives on AOCI and on Consolidated Statement of Income

The following table indicates the gain or loss recognized in income on derivatives not designated as a hedging relationship:

	Three Months Ended September 30,						Nine Months Ended September 30,
(In thousands)	2019			2018			2019		2018
Derivatives Not Designated as Hedging Instruments:
(Decrease) increase in other income	$	(10	)	$	(13	)	$	96	$	110

Fair Value Measurements and Fair Value of Financial Instruments (Tables)

9 Months Ended

Sep. 30, 2019

Fair Value Measurements and Fair Value of Financial Instruments [Abstract]

Fair Value of Financial Assets and Liabilities Measured on a Recurring Basis

(In thousands)	Level 1		Level 2		Level 3		September 30, 2019
Assets:
AFS securities:
Federal agency	$	-	$	29,831	$	-	$	29,831
State & municipal		-		9		-		9
Mortgage-backed		-		483,510		-		483,510
Collateralized mortgage obligations		-		418,823		-		418,823
Total AFS securities	$	-	$	932,173	$	-	$	932,173
Equity securities		22,818		4,000		-		26,818
Derivatives		-		53,148		-		53,148
Total	$	22,818	$	989,321	$	-	$	1,012,139

Liabilities:
Derivatives	$	-	$	53,102	$	-	$	53,102
Total	$	-	$	53,102	$	-	$	53,102

(In thousands)	Level 1		Level 2		Level 3		December 31, 2018
Assets:
AFS securities:
Federal agency	$	-	$	84,299	$	-	$	84,299
State & municipal		-		29,915		-		29,915
Mortgage-backed		-		512,295		-		512,295
Collateralized mortgage obligations		-		371,987		-		371,987
Total AFS securities	$	-	$	998,496	$	-	$	998,496
Equity securities		19,053		4,000		-		23,053
Derivatives		-		20,000		-		20,000
Total	$	19,053	$	1,022,496	$	-	$	1,041,549

Liabilities:
Derivatives	$	-	$	17,572	$	-	$	17,572
Total	$	-	$	17,572	$	-	$	17,572

Information with Regard to Estimated Fair Values of Financial Instruments

			September 30, 2019				December 31, 2018
(In thousands)	Fair Value Hierarchy		Carrying Amount		Estimated Fair Value		Carrying Amount		Estimated Fair Value
Financial assets:
HTM securities		2	$	678,435	$	691,189	$	783,599	$	778,675
Net loans		3		6,959,430		6,917,768		6,822,147		6,754,460
Financial liabilities:
Time deposits		2	$	860,291	$	857,455	$	930,678	$	920,534
Long-term debt		2		84,239		84,609		73,724		73,927
Junior subordinated debt		2		101,196		104,311		101,196		100,114

Securities, Available for Sale (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018	Dec. 31, 2018
Debt securities, available-for-sale [Abstract]
Amortized cost	$ 924,437		$ 924,437		$ 1,017,626
Unrealized gains	8,886		8,886		1,216
Unrealized losses	1,150		1,150		20,346
Estimated fair value	932,173		932,173		998,496
Sales transactions of securities available for sale [Abstract]
Gross realized gains	20	$ 0	73	$ 0
Gross realized (losses)	0	0	(152)	0
Net AFS realized gains (losses)	20	0	(79)	0
Gains from calls on securities available for sale	20	0	25	0
OTTI loss realized on debt investment	0	$ 0	0	$ 0
Federal Agency [Member]
Debt securities, available-for-sale [Abstract]
Amortized cost	29,998		29,998		84,982
Unrealized gains	0		0		10
Unrealized losses	167		167		693
Estimated fair value	29,831		29,831		84,299
State & Municipal [Member]
Debt securities, available-for-sale [Abstract]
Amortized cost	9		9		30,136
Unrealized gains	0		0		16
Unrealized losses	0		0		237
Estimated fair value	9		9		29,915
Mortgage-Backed, Government Sponsored Enterprises [Member]
Debt securities, available-for-sale [Abstract]
Amortized cost	433,393		433,393		493,225
Unrealized gains	4,494		4,494		439
Unrealized losses	292		292		10,354
Estimated fair value	437,595		437,595		483,310
Mortgage-Backed, U.S. Government Agency Securities [Member]
Debt securities, available-for-sale [Abstract]
Amortized cost	44,912		44,912		29,190
Unrealized gains	1,021		1,021		270
Unrealized losses	18		18		475
Estimated fair value	45,915		45,915		28,985
Collateralized Mortgage Obligations, Government-Sponsored Enterprises [Member]
Debt securities, available-for-sale [Abstract]
Amortized cost	343,682		343,682		332,409
Unrealized gains	2,484		2,484		344
Unrealized losses	456		456		7,211
Estimated fair value	345,710		345,710		325,542
Collateralized Mortgage Obligations, U.S. Government Agency Securities [Member]
Debt securities, available-for-sale [Abstract]
Amortized cost	72,443		72,443		47,684
Unrealized gains	887		887		137
Unrealized losses	217		217		1,376
Estimated fair value	$ 73,113		$ 73,113		$ 46,445

Securities, Held to Maturity (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018	Dec. 31, 2018
Held-to-maturity securities, fair value to amortized cost [Abstract]
Amortized cost	$ 678,435		$ 678,435		$ 783,599
Unrealized gains	13,324		13,324		3,362
Unrealized losses	570		570		8,286
Estimated fair value	691,189		691,189		778,675
Gains from calls on HTM securities	4	$ 0	4	$ 0
Amortized costs of securities available for sale and held to maturity pledged to secure public deposits	1,400,000		1,400,000		1,500,000
Amortized costs of securities AFS and HTM pledged as collateral for repurchase agreements	186,300		186,300		215,300
Federal Agency [Member]
Held-to-maturity securities, fair value to amortized cost [Abstract]
Amortized cost	10,000		10,000		19,995
Unrealized gains	6		6		52
Unrealized losses	0		0		0
Estimated fair value	10,006		10,006		20,047
Mortgage-Backed, Government Sponsored Enterprises [Member]
Held-to-maturity securities, fair value to amortized cost [Abstract]
Amortized cost	154,701		154,701		164,618
Unrealized gains	3,139		3,139		712
Unrealized losses	127		127		2,773
Estimated fair value	157,713		157,713		162,557
Mortgage-Backed, U.S. Government Agency Securities [Member]
Held-to-maturity securities, fair value to amortized cost [Abstract]
Amortized cost	13,679		13,679		15,230
Unrealized gains	785		785		403
Unrealized losses	0		0		0
Estimated fair value	14,464		14,464		15,633
Collateralized Mortgage Obligations, Government-Sponsored Enterprises [Member]
Held-to-maturity securities, fair value to amortized cost [Abstract]
Amortized cost	213,409		213,409		257,475
Unrealized gains	2,849		2,849		1,097
Unrealized losses	365		365		3,897
Estimated fair value	215,893		215,893		254,675
Collateralized Mortgage Obligations, U.S. Government Agency Securities [Member]
Held-to-maturity securities, fair value to amortized cost [Abstract]
Amortized cost	112,974		112,974		83,148
Unrealized gains	4,001		4,001		767
Unrealized losses	64		64		0
Estimated fair value	116,911		116,911		83,915
State & Municipal [Member]
Held-to-maturity securities, fair value to amortized cost [Abstract]
Amortized cost	173,672		173,672		243,133
Unrealized gains	2,544		2,544		331
Unrealized losses	14		14		1,616
Estimated fair value	$ 176,202		$ 176,202		$ 241,848

Securities, AFS Securities in Continuous Unrealized Loss Position (Details) $ in Thousands	Sep. 30, 2019 USD ($) Position	Dec. 31, 2018 USD ($) Position
Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months	$ 116,254	$ 32,295
12 months or longer	121,788	835,966
Total	238,042	868,261
Unrealized Loss Position, Unrealized Losses [Abstract]
Less than 12 months	(272)	(137)
12 months or longer	(878)	(20,209)
Total	$ (1,150)	$ (20,346)
Unrealized Loss Position, Number of Positions [Abstract]
Less than 12 months \| Position	31	20
12 months or longer \| Position	40	204
Total \| Position	71	224
Federal Agency [Member]
Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months	$ 19,965	$ 0
12 months or longer	9,866	64,294
Total	29,831	64,294
Unrealized Loss Position, Unrealized Losses [Abstract]
Less than 12 months	(33)	0
12 months or longer	(134)	(693)
Total	$ (167)	$ (693)
Unrealized Loss Position, Number of Positions [Abstract]
Less than 12 months \| Position	2	0
12 months or longer \| Position	1	6
Total \| Position	3	6
State & Municipal [Member]
Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months		$ 1,715
12 months or longer		22,324
Total		24,039
Unrealized Loss Position, Unrealized Losses [Abstract]
Less than 12 months		(3)
12 months or longer		(234)
Total		$ (237)
Unrealized Loss Position, Number of Positions [Abstract]
Less than 12 months \| Position		3
12 months or longer \| Position		35
Total \| Position		38
Mortgage-Backed [Member]
Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months	$ 36,017	$ 18,462
12 months or longer	39,394	428,440
Total	75,411	446,902
Unrealized Loss Position, Unrealized Losses [Abstract]
Less than 12 months	(69)	(65)
12 months or longer	(241)	(10,764)
Total	$ (310)	$ (10,829)
Unrealized Loss Position, Number of Positions [Abstract]
Less than 12 months \| Position	18	12
12 months or longer \| Position	16	101
Total \| Position	34	113
Collateralized Mortgage Obligations [Member]
Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months	$ 60,272	$ 12,118
12 months or longer	72,528	320,908
Total	132,800	333,026
Unrealized Loss Position, Unrealized Losses [Abstract]
Less than 12 months	(170)	(69)
12 months or longer	(503)	(8,518)
Total	$ (673)	$ (8,587)
Unrealized Loss Position, Number of Positions [Abstract]
Less than 12 months \| Position	11	5
12 months or longer \| Position	23	62
Total \| Position	34	67

Securities, HTM Securities in Continuous Unrealized Loss Position (Details) $ in Thousands	Sep. 30, 2019 USD ($) Position	Dec. 31, 2018 USD ($) Position
Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months	$ 24,103	$ 23,293
12 months or longer	50,544	286,233
Total	74,647	309,526
Unrealized Loss Position, Unrealized Losses [Abstract]
Less than 12 months	(143)	(91)
12 months or longer	(427)	(8,195)
Total	$ (570)	$ (8,286)
Unrealized Loss Position, Number of Positions [Abstract]
Less than 12 months \| Position	11	32
12 months or longer \| Position	7	118
Total \| Position	18	150
Mortgage-Backed [Member]
Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months	$ 0	$ 0
12 months or longer	26,836	82,579
Total	26,836	82,579
Unrealized Loss Position, Unrealized Losses [Abstract]
Less than 12 months	0	0
12 months or longer	(127)	(2,773)
Total	$ (127)	$ (2,773)
Unrealized Loss Position, Number of Positions [Abstract]
Less than 12 months \| Position	0	0
12 months or longer \| Position	2	6
Total \| Position	2	6
Collateralized Mortgage Obligations [Member]
Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months	$ 18,656	$ 4,386
12 months or longer	23,708	145,396
Total	42,364	149,782
Unrealized Loss Position, Unrealized Losses [Abstract]
Less than 12 months	(129)	(7)
12 months or longer	(300)	(3,890)
Total	$ (429)	$ (3,897)
Unrealized Loss Position, Number of Positions [Abstract]
Less than 12 months \| Position	3	2
12 months or longer \| Position	5	26
Total \| Position	8	28
State & Municipal [Member]
Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months	$ 5,447	$ 18,907
12 months or longer	0	58,258
Total	5,447	77,165
Unrealized Loss Position, Unrealized Losses [Abstract]
Less than 12 months	(14)	(84)
12 months or longer	0	(1,532)
Total	$ (14)	$ (1,616)
Unrealized Loss Position, Number of Positions [Abstract]
Less than 12 months \| Position	8	30
12 months or longer \| Position	0	86
Total \| Position	8	116

Securities, Unrealized Gains (Losses) Related to Equity Securities (Details) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019 USD ($) Issuer	Sep. 30, 2018 USD ($)	Sep. 30, 2019 USD ($) Issuer	Sep. 30, 2018 USD ($)	Dec. 31, 2018 USD ($) Issuer
Gains and losses on equity securities [Abstract]
Net gains and losses recognized on equity securities	$ 4,012	$ 412	$ 4,099	$ 575
Less: Net gains and losses recognized during the period on equity securities sold during the period	3,966	511	3,966	555
Unrealized gains and losses recognized on equity securities still held	46	(99)	133	20
Carrying amount of equity securities without readily determinable fair values	4,000		4,000		$ 4,000
Impairment adjustments of equity securities without readily determinable fair values	0	0	0	0
Downward adjustments of equity securities without readily determinable fair values	0	0	0	0
Upward adjustments of equity securities without readily determinable fair values	$ 0	$ 0	$ 0	$ 0
Number of issuers whose holdings exceeded 10% of consolidated stockholders' equity, excluding U.S. Government securities \| Issuer	0		0		0
Visa Class B Common Stock [Member]
Gains and losses on equity securities [Abstract]
Gain from sale of equity securities	$ 4,000		$ 4,000

Securities, AFS Debt Securities, Contractual Maturities (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Available-for-sale Securities, Debt Maturities, Amortized Cost [Abstract]
Within one year	$ 37
From one to five years	30,404
From five to ten years	171,485
After ten years	722,511
Amortized cost	924,437	$ 1,017,626
Available-for-sale Securities, Debt Maturities, Estimated Fair Value [Abstract]
Within one year	37
From one to five years	30,393
From five to ten years	173,220
After ten years	728,523
Fair value	$ 932,173	$ 998,496

Securities, HTM Debt Securities, Contractual Maturities (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Held-to-maturity Securities, Debt Maturities, Amortized Cost [Abstract]
Within one year	$ 26,940
From one to five years	68,113
From five to ten years	179,381
After ten years	404,001
Amortized cost	678,435	$ 783,599
Held-to-maturity Securities, Debt Maturities, Estimated Fair Value [Abstract]
Within one year	26,940
From one to five years	68,531
From five to ten years	183,425
After ten years	412,293
Fair value	$ 691,189	$ 778,675

Allowance for Loan Losses and Credit Quality of Loans (Details) $ in Millions	9 Months Ended
	Sep. 30, 2019 USD ($) Segment
Allowance for Loan Losses [Abstract]
Loan portfolio segments \| Segment	3
Commercial Loans [Member] \| Commercial Real Estate [Member] \| Maximum [Member]
Allowance for Loan Losses [Abstract]
Loan amount, percentage of appraised value or purchase price of the property	80.00%
Commercial Loans [Member] \| Business Banking [Member] \| Maximum [Member]
Allowance for Loan Losses [Abstract]
Business banking loans, amount available \| $	$ 1.0
Consumer Loans [Member] \| Dealer Finance [Member]
Allowance for Loan Losses [Abstract]
Percentage of automobile financing to indirect relationships with dealers	95.00%
Consumer Loans [Member] \| Dealer Finance [Member] \| Minimum [Member]
Allowance for Loan Losses [Abstract]
Principal repayment term of loan	3 years
Consumer Loans [Member] \| Dealer Finance [Member] \| Maximum [Member]
Allowance for Loan Losses [Abstract]
Principal repayment term of loan	6 years
Consumer Loans [Member] \| Direct [Member] \| Minimum [Member]
Allowance for Loan Losses [Abstract]
Principal repayment term of loan	1 year
Consumer Loans [Member] \| Direct [Member] \| Maximum [Member]
Allowance for Loan Losses [Abstract]
Principal repayment term of loan	10 years
Consumer Loans [Member] \| Home Equity [Member]
Allowance for Loan Losses [Abstract]
Term of draw	10 years
Term of amortization	15 years
Consumer Loans [Member] \| Home Equity [Member] \| Maximum [Member]
Allowance for Loan Losses [Abstract]
Loan amount, percentage of equity in property	85.00%
Residential Real Estate [Member] \| Maximum [Member]
Allowance for Loan Losses [Abstract]
Loan amount, percentage of appraised value or purchase price of the property	85.00%

Allowance for Loan Losses and Credit Quality of Loans, Allowance for Loan Losses by Portfolio Segments (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Changes in allowance for loan losses by portfolio segment [Roll Forward]
Balance, beginning of period	$ 72,165	$ 72,450	$ 72,505	$ 69,500
Charge-offs	(8,015)	(7,764)	(24,901)	(24,995)
Recoveries	1,891	2,093	5,353	6,000
Provision	6,324	6,026	19,408	22,300
Balance, end of period	72,365	72,805	72,365	72,805
Commercial Loans [Member]
Changes in allowance for loan losses by portfolio segment [Roll Forward]
Balance, beginning of period	33,152	31,059	32,759	27,606
Charge-offs	(865)	(823)	(2,783)	(2,535)
Recoveries	132	410	344	780
Provision	1,021	1,086	3,120	5,881
Balance, end of period	33,440	31,732	33,440	31,732
Consumer Loans [Member]
Changes in allowance for loan losses by portfolio segment [Roll Forward]
Balance, beginning of period	36,534	36,479	37,178	36,830
Charge-offs	(6,976)	(6,818)	(21,336)	(21,947)
Recoveries	1,746	1,602	4,887	4,946
Provision	5,031	6,044	15,606	17,478
Balance, end of period	36,335	37,307	36,335	37,307
Residential Real Estate [Member]
Changes in allowance for loan losses by portfolio segment [Roll Forward]
Balance, beginning of period	2,479	4,912	2,568	5,064
Charge-offs	(174)	(123)	(782)	(513)
Recoveries	13	81	122	274
Provision	272	(1,104)	682	(1,059)
Balance, end of period	2,590	3,766	2,590	3,766
Acquired Loans [Member]
Changes in allowance for loan losses by portfolio segment [Roll Forward]
Balance, beginning of period			0
Charge-offs	0	$ 0	(100)	$ (100)
Balance, end of period	$ 0		$ 0

Allowance for Loan Losses and Credit Quality of Loans, Allowance for Loan Losses and Recorded Investment in Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Jun. 30, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Dec. 31, 2017
Allowance for loan losses and recorded investment by portfolio segment [Abstract]
Allowance for loan losses	$ 72,365	$ 72,165	$ 72,505	$ 72,805	$ 72,450	$ 69,500
Allowance for loans individually evaluated for impairment	0		25
Allowance for loans collectively evaluated for impairment	72,365		72,480
Ending balance of loans	7,013,809		6,887,709
Commercial Loans [Member]
Allowance for loan losses and recorded investment by portfolio segment [Abstract]
Allowance for loan losses	33,440	33,152	32,759	31,732	31,059	27,606
Allowance for loans individually evaluated for impairment	0		25
Allowance for loans collectively evaluated for impairment	33,440		32,734
Ending balance of loans	3,351,201		3,222,310
Consumer Loans [Member]
Allowance for loan losses and recorded investment by portfolio segment [Abstract]
Allowance for loan losses	36,335	36,534	37,178	37,307	36,479	36,830
Allowance for loans individually evaluated for impairment	0		0
Allowance for loans collectively evaluated for impairment	36,335		37,178
Ending balance of loans	2,245,688		2,284,563
Residential Real Estate [Member]
Allowance for loan losses and recorded investment by portfolio segment [Abstract]
Allowance for loan losses	2,590	$ 2,479	2,568	$ 3,766	$ 4,912	$ 5,064
Allowance for loans individually evaluated for impairment	0		0
Allowance for loans collectively evaluated for impairment	2,590		2,568
Ending balance of loans	1,416,920		1,380,836
Originated Loans [Member]
Allowance for loan losses and recorded investment by portfolio segment [Abstract]
Ending balance of loans	6,724,120		6,565,118
Ending balance of loans individually evaluated for impairment	18,057		20,578
Ending balance of loans collectively evaluated for impairment	6,706,063		6,544,540
Originated Loans [Member] \| Commercial Loans [Member]
Allowance for loan losses and recorded investment by portfolio segment [Abstract]
Ending balance of loans	3,218,390		3,078,620
Ending balance of loans individually evaluated for impairment	3,117		5,786
Ending balance of loans collectively evaluated for impairment	3,215,273		3,072,834
Originated Loans [Member] \| Consumer Loans [Member]
Allowance for loan losses and recorded investment by portfolio segment [Abstract]
Ending balance of loans	2,220,267		2,252,939
Ending balance of loans individually evaluated for impairment	7,267		7,887
Ending balance of loans collectively evaluated for impairment	2,213,000		2,245,052
Originated Loans [Member] \| Residential Real Estate [Member]
Allowance for loan losses and recorded investment by portfolio segment [Abstract]
Ending balance of loans	1,285,463		1,233,559
Ending balance of loans individually evaluated for impairment	7,673		6,905
Ending balance of loans collectively evaluated for impairment	1,277,790		1,226,654
Acquired Loans [Member]
Allowance for loan losses and recorded investment by portfolio segment [Abstract]
Allowance for loan losses	0		0
Ending balance of loans	289,689		322,591
Ending balance of loans collectively evaluated for impairment	289,689		322,591
Acquired Loans [Member] \| Commercial Loans [Member]
Allowance for loan losses and recorded investment by portfolio segment [Abstract]
Ending balance of loans	132,811		143,690
Ending balance of loans collectively evaluated for impairment	132,811		143,690
Acquired Loans [Member] \| Consumer Loans [Member]
Allowance for loan losses and recorded investment by portfolio segment [Abstract]
Ending balance of loans	25,421		31,624
Ending balance of loans collectively evaluated for impairment	25,421		31,624
Acquired Loans [Member] \| Residential Real Estate [Member]
Allowance for loan losses and recorded investment by portfolio segment [Abstract]
Ending balance of loans	131,457		147,277
Ending balance of loans collectively evaluated for impairment	$ 131,457		$ 147,277

Allowance for Loan Losses and Credit Quality of Loans, Impaired Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Jun. 30, 2019	Dec. 31, 2018
Allowance for Loan Losses and Credit Quality of Loans [Abstract]
Threshold balance for classified loans to be evaluated individually for impairment	$ 1,000	$ 750
Total Loans [Abstract]
Recorded investment balance (book)	18,057		$ 20,578
Unpaid principal balance (legal)	22,125		28,552
Related allowance	0		25
Acquired impaired loans specifically evaluated for impairment	0		0
Originated Loans [Member]
With no related allowance recorded [Abstract]
Recorded investment balance (book)	18,057		20,345
Unpaid principal balance (legal)	22,125		28,314
Originated Loans [Member] \| Commercial Loans [Member]
With no related allowance recorded [Abstract]
Recorded investment balance (book)	3,117		5,553
Unpaid principal balance (legal)	3,762		8,828
With an allowance recorded [Abstract]
Recorded investment balance (book)	0		233
Unpaid principal balance (legal)	0		238
Total Loans [Abstract]
Related allowance	0		25
Originated Loans [Member] \| Commercial Loans [Member] \| C&I [Member]
With no related allowance recorded [Abstract]
Recorded investment balance (book)	78		228
Unpaid principal balance (legal)	304		497
With an allowance recorded [Abstract]
Recorded investment balance (book)	0		233
Unpaid principal balance (legal)	0		238
Total Loans [Abstract]
Related allowance	0		25
Originated Loans [Member] \| Commercial Loans [Member] \| CRE [Member]
With no related allowance recorded [Abstract]
Recorded investment balance (book)	2,046		4,312
Unpaid principal balance (legal)	2,046		6,330
Originated Loans [Member] \| Commercial Loans [Member] \| Business Banking [Member]
With no related allowance recorded [Abstract]
Recorded investment balance (book)	993		1,013
Unpaid principal balance (legal)	1,412		2,001
Originated Loans [Member] \| Consumer Loans [Member]
With no related allowance recorded [Abstract]
Recorded investment balance (book)	7,267		7,887
Unpaid principal balance (legal)	8,743		10,072
Originated Loans [Member] \| Consumer Loans [Member] \| Dealer Finance [Member]
With no related allowance recorded [Abstract]
Recorded investment balance (book)	194		143
Unpaid principal balance (legal)	279		241
Originated Loans [Member] \| Consumer Loans [Member] \| Direct [Member]
With no related allowance recorded [Abstract]
Recorded investment balance (book)	7,073		7,744
Unpaid principal balance (legal)	8,464		9,831
Originated Loans [Member] \| Residential Real Estate [Member]
With no related allowance recorded [Abstract]
Recorded investment balance (book)	7,673		6,905
Unpaid principal balance (legal)	$ 9,620		$ 9,414

Allowance for Loan Losses and Credit Quality of Loans, Average Recorded Investments on Loans Specifically Evaluated for Impairment and Interest Income Recognized (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Average Recorded Investment and Interest Income Recognized [Abstract]
Average recorded investment	$ 18,806	$ 19,528	$ 20,126	$ 20,305
Interest income recognized	228	210	662	646
Originated Loans [Member]
Average Recorded Investment and Interest Income Recognized [Abstract]
Average recorded investment	18,806	19,528	20,126	20,305
Interest income recognized	228	210	662	646
Originated Loans [Member] \| Commercial Loans [Member]
Average Recorded Investment and Interest Income Recognized [Abstract]
Average recorded investment	3,671	5,102	4,979	5,446
Interest income recognized	37	36	110	109
Originated Loans [Member] \| Commercial Loans [Member] \| C&I [Member]
Average Recorded Investment and Interest Income Recognized [Abstract]
Average recorded investment	115	433	291	449
Interest income recognized	0	0	1	1
Originated Loans [Member] \| Commercial Loans [Member] \| CRE [Member]
Average Recorded Investment and Interest Income Recognized [Abstract]
Average recorded investment	2,554	3,645	3,577	3,999
Interest income recognized	30	32	91	96
Originated Loans [Member] \| Commercial Loans [Member] \| Business Banking [Member]
Average Recorded Investment and Interest Income Recognized [Abstract]
Average recorded investment	1,002	1,024	1,111	998
Interest income recognized	7	4	18	12
Originated Loans [Member] \| Consumer Loans [Member]
Average Recorded Investment and Interest Income Recognized [Abstract]
Average recorded investment	7,506	7,907	7,719	8,140
Interest income recognized	98	106	300	325
Originated Loans [Member] \| Consumer Loans [Member] \| Dealer Finance [Member]
Average Recorded Investment and Interest Income Recognized [Abstract]
Average recorded investment	213	177	201	187
Interest income recognized	3	4	9	8
Originated Loans [Member] \| Consumer Loans [Member] \| Direct [Member]
Average Recorded Investment and Interest Income Recognized [Abstract]
Average recorded investment	7,293	7,730	7,518	7,953
Interest income recognized	95	102	291	317
Originated Loans [Member] \| Residential Real Estate [Member]
Average Recorded Investment and Interest Income Recognized [Abstract]
Average recorded investment	7,629	6,519	7,428	6,719
Interest income recognized	$ 93	$ 68	$ 252	$ 212

Allowance for Loan Losses and Credit Quality of Loans, Troubled Debt Restructuring (Details) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019 USD ($) Contract	Sep. 30, 2018 USD ($) Contract	Sep. 30, 2019 USD ($) Contract	Sep. 30, 2018 USD ($) Contract
Troubled Debt Restructured Loans [Abstract]
Number of contracts \| Contract	3	8	31	25
Pre-modification outstanding recorded investment	$ 216	$ 90	$ 1,947	$ 918
Post-modification outstanding recorded investment	$ 240	$ 89	$ 2,011	$ 918
Number of contracts \| Contract	19	22	45	54
Recorded Investment	$ 914	$ 1,214	$ 2,213	$ 3,237
Commercial Loans [Member]
Troubled Debt Restructured Loans [Abstract]
Number of contracts \| Contract			3	3
Pre-modification outstanding recorded investment			$ 453	$ 369
Post-modification outstanding recorded investment			$ 453	$ 371
Number of contracts \| Contract			0	2
Recorded Investment			$ 0	$ 258
Commercial Loans [Member] \| C&I [Member]
Troubled Debt Restructured Loans [Abstract]
Number of contracts \| Contract			1	0
Pre-modification outstanding recorded investment			$ 65	$ 0
Post-modification outstanding recorded investment			$ 65	$ 0
Commercial Loans [Member] \| Business Banking [Member]
Troubled Debt Restructured Loans [Abstract]
Number of contracts \| Contract			2	3
Pre-modification outstanding recorded investment			$ 388	$ 369
Post-modification outstanding recorded investment			$ 388	$ 371
Number of contracts \| Contract			0	2
Recorded Investment			$ 0	$ 258
Consumer Loans [Member]
Troubled Debt Restructured Loans [Abstract]
Number of contracts \| Contract	1	8	18	17
Pre-modification outstanding recorded investment	$ 30	$ 90	$ 552	$ 226
Post-modification outstanding recorded investment	$ 37	$ 89	$ 568	$ 224
Number of contracts \| Contract	10	17	26	35
Recorded Investment	$ 342	$ 816	$ 1,126	$ 1,740
Consumer Loans [Member] \| Dealer Finance [Member]
Troubled Debt Restructured Loans [Abstract]
Number of contracts \| Contract	0	8	9	15
Pre-modification outstanding recorded investment	$ 0	$ 90	$ 134	$ 185
Post-modification outstanding recorded investment	$ 0	$ 89	$ 134	$ 183
Number of contracts \| Contract	1	0	2	0
Recorded Investment	$ 10	$ 0	$ 17	$ 0
Consumer Loans [Member] \| Direct [Member]
Troubled Debt Restructured Loans [Abstract]
Number of contracts \| Contract	1	0	9	2
Pre-modification outstanding recorded investment	$ 30	$ 0	$ 418	$ 41
Post-modification outstanding recorded investment	$ 37	$ 0	$ 434	$ 41
Number of contracts \| Contract	9	17	24	35
Recorded Investment	$ 332	$ 816	$ 1,109	$ 1,740
Residential Real Estate [Member]
Troubled Debt Restructured Loans [Abstract]
Number of contracts \| Contract	2	0	10	5
Pre-modification outstanding recorded investment	$ 186	$ 0	$ 942	$ 323
Post-modification outstanding recorded investment	$ 203	$ 0	$ 990	$ 323
Number of contracts \| Contract	9	5	19	17
Recorded Investment	$ 572	$ 398	$ 1,087	$ 1,239

Leases (Details) - USD ($) $ in Thousands	3 Months Ended	9 Months Ended
Leases (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Sep. 30, 2019	Dec. 31, 2018
Leases [Abstract]
Operating lease ROU assets	$ 34,300	$ 34,300
Net Lease Cost [Abstract]
Operating lease cost	1,806	5,396
Variable lease cost	524	1,782
Short-term lease cost	86	263
Sublease income	(119)	(332)
Total operating lease cost	2,297	7,109
Future Minimum Rental Commitments Related to Non-cancelable Operating Leases [Abstract]
2019	1,807	1,807
2020	7,179	7,179
2021	6,429	6,429
2022	5,590	5,590
2023	4,751	4,751
Thereafter	15,892	15,892
Total lease payments	41,648	41,648
Less: interest	(4,878)	(4,878)
Present value of lease liabilities	$ 36,770	$ 36,770
Additional Information Related to Operating Leases [Abstract]
Weighted average remaining lease term, in years	7 years 8 months 15 days	7 years 8 months 15 days
Weighted average discount rate	3.03%	3.03%
Cash paid for amounts included in the measurement of lease liabilities [Abstract]
Operating cash flows from operating leases		$ 4,652
ROU assets obtained in exchange for lease liabilities		$ 38,958
Future Minimum Rental Payments Related to Non-cancelable Operating Leases with Original Terms of One Year or More [Abstract]
2019			$ 6,890
2020			6,467
2021			5,613
2022			4,773
2023			3,972
Thereafter			13,869
Total			$ 41,584

Defined Benefit Post-Retirement Plans (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Defined Benefit Post-Retirement Plans [Abstract]
Employer contributions	$ 0	$ 0	$ 0	$ 0
Pension Benefits [Member]
Components of net periodic cost (benefit) [Abstract]
Service cost	431	415	1,301	1,256
Interest cost	986	912	2,948	2,752
Expected return on plan assets	(1,869)	(2,119)	(5,615)	(6,364)
Net amortization	658	242	1,936	745
Total net periodic cost (benefit)	206	(550)	570	(1,611)
Other Benefits [Member]
Components of net periodic cost (benefit) [Abstract]
Service cost	1	3	5	8
Interest cost	67	82	229	245
Expected return on plan assets	0	0	0	0
Net amortization	14	44	49	131
Total net periodic cost (benefit)	$ 82	$ 129	$ 283	$ 384

Earnings Per Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Basic EPS [Abstract]
Weighted average common shares outstanding (in shares)	43,825,000	43,714,000	43,806,000	43,692,000
Net income available to common stockholders	$ 32,379	$ 29,807	$ 92,061	$ 83,914
Basic EPS (in dollars per share)	$ 0.74	$ 0.68	$ 2.10	$ 1.92
Diluted EPS [Abstract]
Weighted average common shares outstanding (in shares)	43,825,000	43,714,000	43,806,000	43,692,000
Dilutive effect of common stock options and restricted stock (in shares)	313,000	337,000	302,000	317,000
Weighted average common shares and common share equivalents (in shares)	44,138,000	44,051,000	44,108,000	44,009,000
Net income available to common stockholders	$ 32,379	$ 29,807	$ 92,061	$ 83,914
Diluted EPS (in dollars per share)	$ 0.73	$ 0.68	$ 2.09	$ 1.91
Stock Options [Member]
Earnings Per Share [Abstract]
Stock options excluded from calculation of diluted EPS (in shares)	1,500	1,500	1,500	1,500

Reclassification Adjustments Out of Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Reclassification Adjustment out of Accumulated Other Comprehensive Income (Loss) [Abstract]
Net securities gains	$ 4,036	$ 412	$ 4,024	$ 575
Interest income (expense)	78,054	77,527	234,372	226,754
Other noninterest expense	8,374	4,577	18,130	13,324
Income tax expense (benefit)	9,322	8,578	26,245	23,699
Net income	32,379	29,807	92,061	83,914
Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income (Loss) [Abstract]
Total reclassifications during the period, net of tax	335	(138)	516	(96)
Accumulated Net Unrealized Investment Gain (Loss) [Member] \| Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income (Loss) [Abstract]
Income tax expense (benefit)	(42)	(42)	(159)	(133)
Net income	128	126	476	400
Gains (Losses) on AFS Securities [Member] \| Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income (Loss) [Abstract]
Net securities gains	(20)	0	79	0
Amortization of Unrealized Gains Related to Securities Transfer [Member] \| Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income (Loss) [Abstract]
Interest income (expense)	190	168	556	533
Net Unrealized (Gains) on Cash Flow hedges Reclassified to Interest Expense [Member] \| Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income (Loss) [Abstract]
Interest income (expense)	(395)	(638)	(1,932)	(1,537)
Income tax expense (benefit)	98	159	483	384
Net income	(297)	(479)	(1,449)	(1,153)
Accumulated Defined Benefit Plans Adjustment [Member] \| Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income (Loss) [Abstract]
Income tax expense (benefit)	(168)	(71)	(496)	(219)
Net income	504	215	1,489	657
Amortization of Net Losses [Member] \| Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income (Loss) [Abstract]
Other noninterest expense	649	263	1,916	809
Amortization of Prior Service Costs [Member] \| Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income (Loss) [Abstract]
Other noninterest expense	$ 23	$ 23	$ 69	$ 67

Derivative Instruments and Hedging Activities (Details) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019 USD ($) Agreement	Sep. 30, 2018 USD ($)	Sep. 30, 2019 USD ($) Agreement	Sep. 30, 2018 USD ($)	Dec. 31, 2018 USD ($) Agreement
Interest rate derivatives - Included Component [Abstract]
Amount of (loss) or gain recognized in OCI	$ 9	$ 175	$ (475)	$ 1,647
Amount of (gain) reclassified from AOCI into interest expense	(395)	(638)	(1,932)	(1,537)
Derivatives Designated as Hedging Instruments [Member] \| Interest Rate Swaps [Member]
Fair value adjustment recorded related to notional amount of derivatives outstanding and notional amount of risk participation agreements [Abstract]
Fair value adjustment included in other assets	142		142		$ 2,428
Fair value adjustment included in other liabilities	61		61		0
Notional amount	100,000		100,000		$ 225,000
Derivatives Designated as Hedging Instruments [Member] \| Cash Flow Hedging [Member]
Interest rate derivatives - Included Component [Abstract]
Amount of (loss) or gain recognized in OCI	9	175	(475)	1,647
Derivatives Designated as Hedging Instruments [Member] \| Cash Flow Hedging [Member] \| Interest (Income) Expense [Member]
Interest rate derivatives - Included Component [Abstract]
Amount of (gain) reclassified from AOCI into interest expense	(395)	(638)	(1,932)	(1,537)
Derivatives Designated as Hedging Instruments [Member] \| Cash Flow Hedging [Member] \| Interest Rate Swaps [Member]
Fair value adjustment recorded related to notional amount of derivatives outstanding and notional amount of risk participation agreements [Abstract]
Amount to be reclassified from AOCI as a reduction to interest expense during next twelve months			100
Derivatives Not Designated as Hedging Instruments [Member] \| Other Income [Member]
Gain or loss recognized in income on derivatives not designating as a hedging relationship [Abstract]
(Decrease) increase in other income	$ (10)	$ (13)	$ 96	$ 110
Derivatives Not Designated as Hedging Instruments [Member] \| Interest Rate Swaps [Member]
Interest rate derivatives [Abstract]
Number of risk participation agreements held \| Agreement	10		10		9
Fair value adjustment recorded related to notional amount of derivatives outstanding and notional amount of risk participation agreements [Abstract]
Fair value adjustment included in other assets and other liabilities	$ 52,925		$ 52,925		$ 17,572
Notional amount	793,805		793,805		653,369
Derivatives Not Designated as Hedging Instruments [Member] \| Interest Rate Swaps [Member] \| Other Assets [Member]
Interest rate derivatives [Abstract]
Fair value of derivative asset	81		81		36
Derivatives Not Designated as Hedging Instruments [Member] \| Interest Rate Swaps [Member] \| Other Liabilities [Member]
Interest rate derivatives [Abstract]
Fair value of derivative liability	116		116		17
Derivatives Not Designated as Hedging Instruments [Member] \| Risk Participation Agreements [Member]
Fair value adjustment recorded related to notional amount of derivatives outstanding and notional amount of risk participation agreements [Abstract]
Notional amount	$ 72,496		$ 72,496		$ 70,785

Fair Value Measurements and Fair Value of Financial Instruments (Details) - USD ($) $ in Thousands	3 Months Ended	9 Months Ended
	Sep. 30, 2019	Sep. 30, 2019	Dec. 31, 2018
Transfers between Levels [Abstract]
Transfers from Level 1 to Level 2	$ 0	$ 0	$ 0
Transfers from Level 2 to Level 1	0	0	4,000
Transfers into Level 3	0	0
Transfers out of Level 3	0	0
AFS securities [Abstract]
AFS securities	932,173	932,173	998,496
Equity securities	26,818	26,818	23,053
Fair Value Measurements [Abstract]
Collateral dependent impaired loans with specific reserve	0	$ 0	200
Reserves on collateral dependent impaired loans			25
Minimum [Member]
Fair Value Measurements [Abstract]
Liquidation expense ratio on impaired collateral		10.00%
Maximum [Member]
Fair Value Measurements [Abstract]
Liquidation expense ratio on impaired collateral		35.00%
Changes Measurement [Member]
Fair Value Measurements [Abstract]
Branch location with pending disposition	(1,000)	$ (1,000)
Fair Value [Member]
Fair Value Measurements [Abstract]
Branch location with pending disposition	200	200
Recurring Basis [Member]
AFS securities [Abstract]
AFS securities	932,173	932,173	998,496
Equity securities	26,818	26,818	23,053
Derivatives	53,148	53,148	20,000
Total	1,012,139	1,012,139	1,041,549
Liabilities [Abstract]
Derivatives	53,102	53,102	17,572
Total	53,102	53,102	17,572
Recurring Basis [Member] \| Level 1 [Member]
AFS securities [Abstract]
AFS securities	0	0	0
Equity securities	22,818	22,818	19,053
Derivatives	0	0	0
Total	22,818	22,818	19,053
Liabilities [Abstract]
Derivatives	0	0	0
Total	0	0	0
Recurring Basis [Member] \| Level 2 [Member]
AFS securities [Abstract]
AFS securities	932,173	932,173	998,496
Equity securities	4,000	4,000	4,000
Derivatives	53,148	53,148	20,000
Total	989,321	989,321	1,022,496
Liabilities [Abstract]
Derivatives	53,102	53,102	17,572
Total	53,102	53,102	17,572
Recurring Basis [Member] \| Level 3 [Member]
AFS securities [Abstract]
AFS securities	0	0	0
Equity securities	0	0	0
Derivatives	0	0	0
Total	0	0	0
Liabilities [Abstract]
Derivatives	0	0	0
Total	0	0	0
Recurring Basis [Member] \| Federal Agency [Member]
AFS securities [Abstract]
AFS securities	29,831	29,831	84,299
Recurring Basis [Member] \| Federal Agency [Member] \| Level 1 [Member]
AFS securities [Abstract]
AFS securities	0	0	0
Recurring Basis [Member] \| Federal Agency [Member] \| Level 2 [Member]
AFS securities [Abstract]
AFS securities	29,831	29,831	84,299
Recurring Basis [Member] \| Federal Agency [Member] \| Level 3 [Member]
AFS securities [Abstract]
AFS securities	0	0	0
Recurring Basis [Member] \| State & Municipal [Member]
AFS securities [Abstract]
AFS securities	9	9	29,915
Recurring Basis [Member] \| State & Municipal [Member] \| Level 1 [Member]
AFS securities [Abstract]
AFS securities	0	0	0
Recurring Basis [Member] \| State & Municipal [Member] \| Level 2 [Member]
AFS securities [Abstract]
AFS securities	9	9	29,915
Recurring Basis [Member] \| State & Municipal [Member] \| Level 3 [Member]
AFS securities [Abstract]
AFS securities	0	0	0
Recurring Basis [Member] \| Mortgage-Backed [Member]
AFS securities [Abstract]
AFS securities	483,510	483,510	512,295
Recurring Basis [Member] \| Mortgage-Backed [Member] \| Level 1 [Member]
AFS securities [Abstract]
AFS securities	0	0	0
Recurring Basis [Member] \| Mortgage-Backed [Member] \| Level 2 [Member]
AFS securities [Abstract]
AFS securities	483,510	483,510	512,295
Recurring Basis [Member] \| Mortgage-Backed [Member] \| Level 3 [Member]
AFS securities [Abstract]
AFS securities	0	0	0
Recurring Basis [Member] \| Collateralized Mortgage Obligations [Member]
AFS securities [Abstract]
AFS securities	418,823	418,823	371,987
Recurring Basis [Member] \| Collateralized Mortgage Obligations [Member] \| Level 1 [Member]
AFS securities [Abstract]
AFS securities	0	0	0
Recurring Basis [Member] \| Collateralized Mortgage Obligations [Member] \| Level 2 [Member]
AFS securities [Abstract]
AFS securities	418,823	418,823	371,987
Recurring Basis [Member] \| Collateralized Mortgage Obligations [Member] \| Level 3 [Member]
AFS securities [Abstract]
AFS securities	$ 0	$ 0	$ 0

Fair Value Measurements and Fair Value of Financial Instruments, Estimated Fair Values of Financial Instruments (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Financial assets [Abstract]
HTM securities	$ 691,189	$ 778,675
Carrying Amount [Member] \| Level 2 [Member]
Financial assets [Abstract]
HTM securities	678,435	783,599
Financial liabilities [Abstract]
Time deposits	860,291	930,678
Long-term debt	84,239	73,724
Junior subordinated debt	101,196	101,196
Carrying Amount [Member] \| Level 3 [Member]
Financial assets [Abstract]
Net loans	6,959,430	6,822,147
Estimated Fair Value [Member] \| Level 2 [Member]
Financial assets [Abstract]
HTM securities	691,189	778,675
Financial liabilities [Abstract]
Time deposits	857,455	920,534
Long-term debt	84,609	73,927
Junior subordinated debt	104,311	100,114
Estimated Fair Value [Member] \| Level 3 [Member]
Financial assets [Abstract]
Net loans	$ 6,917,768	$ 6,754,460

Commitments and Contingencies (Details) - USD ($) $ in Millions	9 Months Ended
	Sep. 30, 2019	Dec. 31, 2018
Guarantor Obligations [Abstract]
Obligation instrument term	1 year
Commitment to Extend Credits and Unused Lines of Credit [Member]
Guarantor Obligations [Abstract]
Commitments - maximum potential obligation	$ 2,000.0	$ 1,700.0
Standby Letters of Credit [Member]
Guarantor Obligations [Abstract]
Commitments - maximum potential obligation	$ 30.7	$ 41.2

Recent Accounting Pronouncements (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Recent Accounting Pronouncements [Abstract]
Right of use assets	$ 34,300
Lease liability	$ 36,770
ASU 2016-02 [Member]
Recent Accounting Pronouncements [Abstract]
Right of use assets		$ 34,000
Lease liability		$ 37,000

Allowance for Loan Losses and Credit Quality of Loans, Past Due Loans (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2019	Dec. 31, 2018
Financing Receivable, Recorded Investment, Aging [Abstract]
Minimum number of days past due for nonaccrual loan status	90 days
Total past due accruing	$ 39,808	$ 38,067
Nonaccrual	24,623	25,487
Current	6,949,378	6,824,155
Recorded total loans	7,013,809	6,887,709
31-60 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	26,300	26,641
61-90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	5,166	6,341
Greater Than 90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	8,342	5,085
Commercial Loans [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Recorded total loans	3,351,201	3,222,310
Consumer Loans [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Recorded total loans	2,245,688	2,284,563
Residential Real Estate [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Recorded total loans	1,416,920	1,380,836
Originated Loans [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	37,876	36,515
Nonaccrual	23,022	23,372
Current	6,663,222	6,505,231
Recorded total loans	6,724,120	6,565,118
Originated Loans [Member] \| 31-60 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	24,477	25,476
Originated Loans [Member] \| 61-90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	5,123	5,969
Originated Loans [Member] \| Greater Than 90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	8,276	5,070
Originated Loans [Member] \| Commercial Loans [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	11,488	3,980
Nonaccrual	11,917	12,031
Current	3,194,985	3,062,609
Recorded total loans	3,218,390	3,078,620
Originated Loans [Member] \| Commercial Loans [Member] \| 31-60 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	6,269	3,090
Originated Loans [Member] \| Commercial Loans [Member] \| 61-90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	313	302
Originated Loans [Member] \| Commercial Loans [Member] \| Greater Than 90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	4,906	588
Originated Loans [Member] \| Commercial Loans [Member] \| C&I [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	505	909
Nonaccrual	729	1,062
Current	836,593	846,148
Recorded total loans	837,827	848,119
Originated Loans [Member] \| Commercial Loans [Member] \| C&I [Member] \| 31-60 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	505	909
Originated Loans [Member] \| Commercial Loans [Member] \| C&I [Member] \| 61-90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	0	0
Originated Loans [Member] \| Commercial Loans [Member] \| C&I [Member] \| Greater Than 90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	0	0
Originated Loans [Member] \| Commercial Loans [Member] \| CRE [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	8,485	1,677
Nonaccrual	4,664	4,995
Current	1,832,708	1,734,558
Recorded total loans	1,845,857	1,741,230
Originated Loans [Member] \| Commercial Loans [Member] \| CRE [Member] \| 31-60 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	3,646	1,089
Originated Loans [Member] \| Commercial Loans [Member] \| CRE [Member] \| 61-90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	0	0
Originated Loans [Member] \| Commercial Loans [Member] \| CRE [Member] \| Greater Than 90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	4,839	588
Originated Loans [Member] \| Commercial Loans [Member] \| Business Banking [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	2,498	1,394
Nonaccrual	6,524	5,974
Current	525,684	481,903
Recorded total loans	534,706	489,271
Originated Loans [Member] \| Commercial Loans [Member] \| Business Banking [Member] \| 31-60 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	2,118	1,092
Originated Loans [Member] \| Commercial Loans [Member] \| Business Banking [Member] \| 61-90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	313	302
Originated Loans [Member] \| Commercial Loans [Member] \| Business Banking [Member] \| Greater Than 90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	67	0
Originated Loans [Member] \| Consumer Loans [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	24,206	29,770
Nonaccrual	4,794	4,563
Current	2,191,267	2,218,606
Recorded total loans	2,220,267	2,252,939
Originated Loans [Member] \| Consumer Loans [Member] \| 31-60 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	16,626	20,960
Originated Loans [Member] \| Consumer Loans [Member] \| 61-90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	4,710	5,510
Originated Loans [Member] \| Consumer Loans [Member] \| Greater Than 90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	2,870	3,300
Originated Loans [Member] \| Consumer Loans [Member] \| Dealer Finance [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	14,226	18,005
Nonaccrual	2,241	1,971
Current	1,179,316	1,196,136
Recorded total loans	1,195,783	1,216,112
Originated Loans [Member] \| Consumer Loans [Member] \| Dealer Finance [Member] \| 31-60 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	11,167	14,519
Originated Loans [Member] \| Consumer Loans [Member] \| Dealer Finance [Member] \| 61-90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	1,965	2,300
Originated Loans [Member] \| Consumer Loans [Member] \| Dealer Finance [Member] \| Greater Than 90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	1,094	1,186
Originated Loans [Member] \| Consumer Loans [Member] \| Specialty Lending [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	6,904	6,814
Nonaccrual	0	0
Current	521,601	518,114
Recorded total loans	528,505	524,928
Originated Loans [Member] \| Consumer Loans [Member] \| Specialty Lending [Member] \| 31-60 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	3,681	3,479
Originated Loans [Member] \| Consumer Loans [Member] \| Specialty Lending [Member] \| 61-90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	1,655	1,773
Originated Loans [Member] \| Consumer Loans [Member] \| Specialty Lending [Member] \| Greater Than 90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	1,568	1,562
Originated Loans [Member] \| Consumer Loans [Member] \| Direct [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	3,076	4,951
Nonaccrual	2,553	2,592
Current	490,350	504,356
Recorded total loans	495,979	511,899
Originated Loans [Member] \| Consumer Loans [Member] \| Direct [Member] \| 31-60 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	1,778	2,962
Originated Loans [Member] \| Consumer Loans [Member] \| Direct [Member] \| 61-90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	1,090	1,437
Originated Loans [Member] \| Consumer Loans [Member] \| Direct [Member] \| Greater Than 90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	208	552
Originated Loans [Member] \| Residential Real Estate [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	2,182	2,765
Nonaccrual	6,311	6,778
Current	1,276,970	1,224,016
Recorded total loans	1,285,463	1,233,559
Originated Loans [Member] \| Residential Real Estate [Member] \| 31-60 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	1,582	1,426
Originated Loans [Member] \| Residential Real Estate [Member] \| 61-90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	100	157
Originated Loans [Member] \| Residential Real Estate [Member] \| Greater Than 90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	500	1,182
Acquired Loans [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	1,932	1,552
Nonaccrual	1,601	2,115
Current	286,156	318,924
Recorded total loans	289,689	322,591
Acquired Loans [Member] \| 31-60 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	1,823	1,165
Acquired Loans [Member] \| 61-90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	43	372
Acquired Loans [Member] \| Greater Than 90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	66	15
Acquired Loans [Member] \| Commercial Loans [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	445	754
Nonaccrual	366	390
Current	132,000	142,546
Recorded total loans	132,811	143,690
Acquired Loans [Member] \| Commercial Loans [Member] \| 31-60 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	445	466
Acquired Loans [Member] \| Commercial Loans [Member] \| 61-90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	0	288
Acquired Loans [Member] \| Commercial Loans [Member] \| Greater Than 90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	0	0
Acquired Loans [Member] \| Commercial Loans [Member] \| C&I [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	0	0
Nonaccrual	0	0
Current	28,823	26,124
Recorded total loans	28,823	26,124
Acquired Loans [Member] \| Commercial Loans [Member] \| C&I [Member] \| 31-60 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	0	0
Acquired Loans [Member] \| Commercial Loans [Member] \| C&I [Member] \| 61-90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	0	0
Acquired Loans [Member] \| Commercial Loans [Member] \| C&I [Member] \| Greater Than 90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	0	0
Acquired Loans [Member] \| Commercial Loans [Member] \| CRE [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	0	0
Nonaccrual	0	0
Current	67,853	84,492
Recorded total loans	67,853	84,492
Acquired Loans [Member] \| Commercial Loans [Member] \| CRE [Member] \| 31-60 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	0	0
Acquired Loans [Member] \| Commercial Loans [Member] \| CRE [Member] \| 61-90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	0	0
Acquired Loans [Member] \| Commercial Loans [Member] \| CRE [Member] \| Greater Than 90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	0	0
Acquired Loans [Member] \| Commercial Loans [Member] \| Business Banking [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	445	754
Nonaccrual	366	390
Current	35,324	31,930
Recorded total loans	36,135	33,074
Acquired Loans [Member] \| Commercial Loans [Member] \| Business Banking [Member] \| 31-60 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	445	466
Acquired Loans [Member] \| Commercial Loans [Member] \| Business Banking [Member] \| 61-90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	0	288
Acquired Loans [Member] \| Commercial Loans [Member] \| Business Banking [Member] \| Greater Than 90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	0	0
Acquired Loans [Member] \| Consumer Loans [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	319	210
Nonaccrual	131	227
Current	24,971	31,187
Recorded total loans	25,421	31,624
Acquired Loans [Member] \| Consumer Loans [Member] \| 31-60 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	276	153
Acquired Loans [Member] \| Consumer Loans [Member] \| 61-90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	43	42
Acquired Loans [Member] \| Consumer Loans [Member] \| Greater Than 90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	0	15
Acquired Loans [Member] \| Consumer Loans [Member] \| Dealer Finance [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing		2
Nonaccrual		0
Current		30
Recorded total loans		32
Acquired Loans [Member] \| Consumer Loans [Member] \| Dealer Finance [Member] \| 31-60 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing		1
Acquired Loans [Member] \| Consumer Loans [Member] \| Dealer Finance [Member] \| 61-90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing		1
Acquired Loans [Member] \| Consumer Loans [Member] \| Dealer Finance [Member] \| Greater Than 90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing		0
Acquired Loans [Member] \| Consumer Loans [Member] \| Direct [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	319	208
Nonaccrual	131	227
Current	24,971	31,157
Recorded total loans	25,421	31,592
Acquired Loans [Member] \| Consumer Loans [Member] \| Direct [Member] \| 31-60 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	276	152
Acquired Loans [Member] \| Consumer Loans [Member] \| Direct [Member] \| 61-90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	43	41
Acquired Loans [Member] \| Consumer Loans [Member] \| Direct [Member] \| Greater Than 90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	0	15
Acquired Loans [Member] \| Residential Real Estate [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	1,168	588
Nonaccrual	1,104	1,498
Current	129,185	145,191
Recorded total loans	131,457	147,277
Acquired Loans [Member] \| Residential Real Estate [Member] \| 31-60 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	1,102	546
Acquired Loans [Member] \| Residential Real Estate [Member] \| 61-90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	0	42
Acquired Loans [Member] \| Residential Real Estate [Member] \| Greater Than 90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total past due accruing	$ 66	$ 0

Allowance for Loan Losses and Credit Quality of Loans, Credit Quality by Loan Class (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Credit Quality by Loan Class [Abstract]
Net loans	$ 7,013,809	$ 6,887,709
Consumer Credit Exposure [Member]
Credit Quality by Loan Class [Abstract]
Net loans	2,245,688	2,284,563
Residential Real Estate Credit Exposure [Member]
Credit Quality by Loan Class [Abstract]
Net loans	1,416,920	1,380,836
Originated Loans [Member]
Credit Quality by Loan Class [Abstract]
Net loans	6,724,120	6,565,118
Originated Loans [Member] \| Commercial Credit Exposure [Member]
Credit Quality by Loan Class [Abstract]
Net loans	2,683,684	2,589,349
Originated Loans [Member] \| Commercial Credit Exposure [Member] \| Pass [Member]
Credit Quality by Loan Class [Abstract]
Net loans	2,533,792	2,478,108
Originated Loans [Member] \| Commercial Credit Exposure [Member] \| Special Mention [Member]
Credit Quality by Loan Class [Abstract]
Net loans	72,360	25,242
Originated Loans [Member] \| Commercial Credit Exposure [Member] \| Substandard [Member]
Credit Quality by Loan Class [Abstract]
Net loans	77,532	85,999
Originated Loans [Member] \| Commercial Credit Exposure [Member] \| C&I [Member]
Credit Quality by Loan Class [Abstract]
Net loans	837,827	848,119
Originated Loans [Member] \| Commercial Credit Exposure [Member] \| C&I [Member] \| Pass [Member]
Credit Quality by Loan Class [Abstract]
Net loans	771,776	796,778
Originated Loans [Member] \| Commercial Credit Exposure [Member] \| C&I [Member] \| Special Mention [Member]
Credit Quality by Loan Class [Abstract]
Net loans	32,992	11,348
Originated Loans [Member] \| Commercial Credit Exposure [Member] \| C&I [Member] \| Substandard [Member]
Credit Quality by Loan Class [Abstract]
Net loans	33,059	39,993
Originated Loans [Member] \| Commercial Credit Exposure [Member] \| CRE [Member]
Credit Quality by Loan Class [Abstract]
Net loans	1,845,857	1,741,230
Originated Loans [Member] \| Commercial Credit Exposure [Member] \| CRE [Member] \| Pass [Member]
Credit Quality by Loan Class [Abstract]
Net loans	1,762,016	1,681,330
Originated Loans [Member] \| Commercial Credit Exposure [Member] \| CRE [Member] \| Special Mention [Member]
Credit Quality by Loan Class [Abstract]
Net loans	39,368	13,894
Originated Loans [Member] \| Commercial Credit Exposure [Member] \| CRE [Member] \| Substandard [Member]
Credit Quality by Loan Class [Abstract]
Net loans	44,473	46,006
Originated Loans [Member] \| Business Banking Credit Exposure [Member]
Credit Quality by Loan Class [Abstract]
Net loans	534,706	489,271
Originated Loans [Member] \| Business Banking Credit Exposure [Member] \| Non-classified [Member]
Credit Quality by Loan Class [Abstract]
Net loans	520,830	476,052
Originated Loans [Member] \| Business Banking Credit Exposure [Member] \| Classified [Member]
Credit Quality by Loan Class [Abstract]
Net loans	13,876	13,219
Originated Loans [Member] \| Business Banking Credit Exposure [Member] \| Business Banking [Member]
Credit Quality by Loan Class [Abstract]
Net loans	534,706	489,271
Originated Loans [Member] \| Business Banking Credit Exposure [Member] \| Business Banking [Member] \| Non-classified [Member]
Credit Quality by Loan Class [Abstract]
Net loans	520,830	476,052
Originated Loans [Member] \| Business Banking Credit Exposure [Member] \| Business Banking [Member] \| Classified [Member]
Credit Quality by Loan Class [Abstract]
Net loans	13,876	13,219
Originated Loans [Member] \| Consumer Credit Exposure [Member]
Credit Quality by Loan Class [Abstract]
Net loans	2,220,267	2,252,939
Originated Loans [Member] \| Consumer Credit Exposure [Member] \| Performing [Member]
Credit Quality by Loan Class [Abstract]
Net loans	2,212,603	2,245,076
Originated Loans [Member] \| Consumer Credit Exposure [Member] \| Nonperforming [Member]
Credit Quality by Loan Class [Abstract]
Net loans	7,664	7,863
Originated Loans [Member] \| Consumer Credit Exposure [Member] \| Dealer Finance [Member]
Credit Quality by Loan Class [Abstract]
Net loans	1,195,783	1,216,112
Originated Loans [Member] \| Consumer Credit Exposure [Member] \| Dealer Finance [Member] \| Performing [Member]
Credit Quality by Loan Class [Abstract]
Net loans	1,192,448	1,212,955
Originated Loans [Member] \| Consumer Credit Exposure [Member] \| Dealer Finance [Member] \| Nonperforming [Member]
Credit Quality by Loan Class [Abstract]
Net loans	3,335	3,157
Originated Loans [Member] \| Consumer Credit Exposure [Member] \| Specialty Lending [Member]
Credit Quality by Loan Class [Abstract]
Net loans	528,505	524,928
Originated Loans [Member] \| Consumer Credit Exposure [Member] \| Specialty Lending [Member] \| Performing [Member]
Credit Quality by Loan Class [Abstract]
Net loans	526,937	523,366
Originated Loans [Member] \| Consumer Credit Exposure [Member] \| Specialty Lending [Member] \| Nonperforming [Member]
Credit Quality by Loan Class [Abstract]
Net loans	1,568	1,562
Originated Loans [Member] \| Consumer Credit Exposure [Member] \| Direct [Member]
Credit Quality by Loan Class [Abstract]
Net loans	495,979	511,899
Originated Loans [Member] \| Consumer Credit Exposure [Member] \| Direct [Member] \| Performing [Member]
Credit Quality by Loan Class [Abstract]
Net loans	493,218	508,755
Originated Loans [Member] \| Consumer Credit Exposure [Member] \| Direct [Member] \| Nonperforming [Member]
Credit Quality by Loan Class [Abstract]
Net loans	2,761	3,144
Originated Loans [Member] \| Residential Real Estate Credit Exposure [Member]
Credit Quality by Loan Class [Abstract]
Net loans	1,285,463	1,233,559
Originated Loans [Member] \| Residential Real Estate Credit Exposure [Member] \| Performing [Member]
Credit Quality by Loan Class [Abstract]
Net loans	1,278,652	1,225,599
Originated Loans [Member] \| Residential Real Estate Credit Exposure [Member] \| Nonperforming [Member]
Credit Quality by Loan Class [Abstract]
Net loans	6,811	7,960
Originated Loans [Member] \| Residential Real Estate Credit Exposure [Member] \| Residential Real Estate [Member]
Credit Quality by Loan Class [Abstract]
Net loans	1,285,463	1,233,559
Originated Loans [Member] \| Residential Real Estate Credit Exposure [Member] \| Residential Real Estate [Member] \| Performing [Member]
Credit Quality by Loan Class [Abstract]
Net loans	1,278,652	1,225,599
Originated Loans [Member] \| Residential Real Estate Credit Exposure [Member] \| Residential Real Estate [Member] \| Nonperforming [Member]
Credit Quality by Loan Class [Abstract]
Net loans	6,811	7,960
Acquired Loans [Member]
Credit Quality by Loan Class [Abstract]
Net loans	289,689	322,591
Acquired Loans [Member] \| Commercial Credit Exposure [Member]
Credit Quality by Loan Class [Abstract]
Net loans	96,676	110,616
Acquired Loans [Member] \| Commercial Credit Exposure [Member] \| Pass [Member]
Credit Quality by Loan Class [Abstract]
Net loans	89,222	107,045
Acquired Loans [Member] \| Commercial Credit Exposure [Member] \| Special Mention [Member]
Credit Quality by Loan Class [Abstract]
Net loans	2,860	2,923
Acquired Loans [Member] \| Commercial Credit Exposure [Member] \| Substandard [Member]
Credit Quality by Loan Class [Abstract]
Net loans	4,594	648
Acquired Loans [Member] \| Commercial Credit Exposure [Member] \| C&I [Member]
Credit Quality by Loan Class [Abstract]
Net loans	28,823	26,124
Acquired Loans [Member] \| Commercial Credit Exposure [Member] \| C&I [Member] \| Pass [Member]
Credit Quality by Loan Class [Abstract]
Net loans	21,781	23,283
Acquired Loans [Member] \| Commercial Credit Exposure [Member] \| C&I [Member] \| Special Mention [Member]
Credit Quality by Loan Class [Abstract]
Net loans	2,860	2,831
Acquired Loans [Member] \| Commercial Credit Exposure [Member] \| C&I [Member] \| Substandard [Member]
Credit Quality by Loan Class [Abstract]
Net loans	4,182	10
Acquired Loans [Member] \| Commercial Credit Exposure [Member] \| CRE [Member]
Credit Quality by Loan Class [Abstract]
Net loans	67,853	84,492
Acquired Loans [Member] \| Commercial Credit Exposure [Member] \| CRE [Member] \| Pass [Member]
Credit Quality by Loan Class [Abstract]
Net loans	67,441	83,762
Acquired Loans [Member] \| Commercial Credit Exposure [Member] \| CRE [Member] \| Special Mention [Member]
Credit Quality by Loan Class [Abstract]
Net loans	0	92
Acquired Loans [Member] \| Commercial Credit Exposure [Member] \| CRE [Member] \| Substandard [Member]
Credit Quality by Loan Class [Abstract]
Net loans	412	638
Acquired Loans [Member] \| Business Banking Credit Exposure [Member]
Credit Quality by Loan Class [Abstract]
Net loans	36,135	33,074
Acquired Loans [Member] \| Business Banking Credit Exposure [Member] \| Non-classified [Member]
Credit Quality by Loan Class [Abstract]
Net loans	33,499	29,945
Acquired Loans [Member] \| Business Banking Credit Exposure [Member] \| Classified [Member]
Credit Quality by Loan Class [Abstract]
Net loans	2,636	3,129
Acquired Loans [Member] \| Business Banking Credit Exposure [Member] \| Business Banking [Member]
Credit Quality by Loan Class [Abstract]
Net loans	36,135	33,074
Acquired Loans [Member] \| Business Banking Credit Exposure [Member] \| Business Banking [Member] \| Non-classified [Member]
Credit Quality by Loan Class [Abstract]
Net loans	33,499	29,945
Acquired Loans [Member] \| Business Banking Credit Exposure [Member] \| Business Banking [Member] \| Classified [Member]
Credit Quality by Loan Class [Abstract]
Net loans	2,636	3,129
Acquired Loans [Member] \| Consumer Credit Exposure [Member]
Credit Quality by Loan Class [Abstract]
Net loans	25,421	31,624
Acquired Loans [Member] \| Consumer Credit Exposure [Member] \| Performing [Member]
Credit Quality by Loan Class [Abstract]
Net loans	25,290	31,382
Acquired Loans [Member] \| Consumer Credit Exposure [Member] \| Nonperforming [Member]
Credit Quality by Loan Class [Abstract]
Net loans	131	242
Acquired Loans [Member] \| Consumer Credit Exposure [Member] \| Dealer Finance [Member]
Credit Quality by Loan Class [Abstract]
Net loans		32
Acquired Loans [Member] \| Consumer Credit Exposure [Member] \| Dealer Finance [Member] \| Performing [Member]
Credit Quality by Loan Class [Abstract]
Net loans		32
Acquired Loans [Member] \| Consumer Credit Exposure [Member] \| Dealer Finance [Member] \| Nonperforming [Member]
Credit Quality by Loan Class [Abstract]
Net loans		0
Acquired Loans [Member] \| Consumer Credit Exposure [Member] \| Direct [Member]
Credit Quality by Loan Class [Abstract]
Net loans	25,421	31,592
Acquired Loans [Member] \| Consumer Credit Exposure [Member] \| Direct [Member] \| Performing [Member]
Credit Quality by Loan Class [Abstract]
Net loans	25,290	31,350
Acquired Loans [Member] \| Consumer Credit Exposure [Member] \| Direct [Member] \| Nonperforming [Member]
Credit Quality by Loan Class [Abstract]
Net loans	131	242
Acquired Loans [Member] \| Residential Real Estate Credit Exposure [Member]
Credit Quality by Loan Class [Abstract]
Net loans	131,457	147,277
Acquired Loans [Member] \| Residential Real Estate Credit Exposure [Member] \| Performing [Member]
Credit Quality by Loan Class [Abstract]
Net loans	130,287	145,779
Acquired Loans [Member] \| Residential Real Estate Credit Exposure [Member] \| Nonperforming [Member]
Credit Quality by Loan Class [Abstract]
Net loans	1,170	1,498
Acquired Loans [Member] \| Residential Real Estate Credit Exposure [Member] \| Residential Real Estate [Member]
Credit Quality by Loan Class [Abstract]
Net loans	131,457	147,277
Acquired Loans [Member] \| Residential Real Estate Credit Exposure [Member] \| Residential Real Estate [Member] \| Performing [Member]
Credit Quality by Loan Class [Abstract]
Net loans	130,287	145,779
Acquired Loans [Member] \| Residential Real Estate Credit Exposure [Member] \| Residential Real Estate [Member] \| Nonperforming [Member]
Credit Quality by Loan Class [Abstract]
Net loans	$ 1,170	$ 1,498