Independent Bank (IBCP) 10-Q 5 May 20 2020 Q1 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	3 Months Ended
	Mar. 31, 2020	May 04, 2020
Cover [Abstract]
Entity Registrant Name	INDEPENDENT BANK CORP /MI/
Entity Central Index Key	0000039311
Current Fiscal Year End Date	--12-31
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Shell Company	false
Entity Filer Category	Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Common Stock, Shares Outstanding		21,892,836
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Mar. 31, 2020
Document Fiscal Year Focus	2020
Document Fiscal Period Focus	Q1
Entity Address, State or Province	MI

Condensed Consolidated Statemen

Condensed Consolidated Statements of Financial Condition (unaudited) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Assets
Cash and due from banks	$ 48,753	$ 53,295
Interest bearing deposits	21,538	12,009
Cash and Cash Equivalents	70,291	65,304
Interest bearing deposits - time	0	350
Securities available for sale	594,284	518,400
Federal Home Loan Bank and Federal Reserve Bank stock, at cost	18,359	18,359
Loans held for sale, carried at fair value	64,549	69,800
Loans
Loans	2,718,115	2,725,023
Allowance for loan losses	(32,495)	(26,148)
Net Loans	2,685,620	2,698,875
Other real estate and repossessed assets, net	1,494	1,865
Property and equipment, net	37,776	38,411
Bank-owned life insurance	55,035	55,710
Deferred tax assets, net	4,280	2,072
Capitalized mortgage loan servicing rights, carried at fair value	14,829	19,171
Other intangibles	5,071	5,326
Goodwill	28,300	28,300
Accrued income and other assets	52,499	42,751
Total Assets	3,632,387	3,564,694
Deposits
Non-interest bearing	874,935	852,076
Savings and interest-bearing checking	1,229,999	1,186,745
Reciprocal	464,574	431,027
Time	359,050	376,877
Brokered time	155,006	190,002
Total Deposits	3,083,564	3,036,727
Other borrowings	101,954	88,646
Subordinated debentures	39,473	39,456
Accrued expenses and other liabilities	71,778	49,696
Total Liabilities	3,296,769	3,214,525
Commitments and contingent liabilities
Shareholders' Equity
Preferred stock, no par value, 200,000 shares authorized; none issued or outstanding	0	0
Common stock, no par value, 500,000,000 shares authorized; issued and outstanding: 21,892,001 shares at March 31, 2020 and 22,481,643 shares at December 31, 2019	338,528	352,344
Retained earnings	1,944	1,611
Accumulated other comprehensive loss	(4,854)	(3,786)
Total Shareholders' Equity	335,618	350,169
Total Liabilities and Shareholders' Equity	362,387	3,564,694
Commercial [Member]
Loans
Loans	1,181,599	1,166,695
Allowance for loan losses	(10,212)	(7,922)
Mortgage [Member]
Loans
Loans	1,069,967	1,098,911
Allowance for loan losses	(7,416)	(8,216)
Installment [Member]
Loans
Loans	466,549	459,417
Allowance for loan losses	$ (1,258)	$ (1,283)

Condensed Consolidated Statem_2

Condensed Consolidated Statements of Financial Condition (unaudited) (Parenthetical) - $ / shares	Mar. 31, 2020	Dec. 31, 2019
Shareholders' Equity
Preferred stock, par value (in dollars per share)	$ 0	$ 0
Preferred stock, shares authorized (in shares)	200,000	200,000
Preferred stock, shares issued (in shares)	0	0
Preferred stock, shares outstanding (in shares)	0	0
Common stock, par value (in dollars per share)	$ 0	$ 0
Common stock, shares authorized (in shares)	500,000,000	500,000,000
Common stock, shares issued (in shares)	21,892,001	22,481,643
Common stock, shares outstanding (in shares)	21,892,001	22,481,643

Condensed Consolidated Statem_3

Condensed Consolidated Statements of Operations (unaudited) - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2020	Mar. 31, 2019
Interest Income
Interest and fees on loans		$ 31,764	$ 32,681
Interest on securities
Taxable		3,059	3,006
Tax-exempt		390	374
Other investments		366	575
Total Interest Income		35,579	36,636
Interest Expense
Deposits		4,700	5,681
Other borrowings and subordinated debentures		688	712
Total Interest Expense		5,388	6,393
Net Interest Income		30,191	30,243
Provision for loan losses		6,721	664
Net Interest Income After Provision for Loan Losses		23,470	29,579
Non-interest Income
Service charges on deposit accounts		2,591	2,640
Interchange income		2,457	2,355
Net gains on assets
Mortgage loans		8,840	3,611
Securities		253	304
Mortgage loan servicing, net		(5,300)	(1,215)
Other		2,163	2,264
Total Non-Interest Income		11,004	9,959
Non-interest Expense
Compensation and employee benefits		16,509	16,351
Occupancy, net		2,460	2,505
Data processing		2,355	2,144
Furniture, fixtures and equipment		1,036	1,029
Communications		803	769
Interchange expense		859	688
Loan and collection		805	634
Advertising		683	672
Legal and professional		393	369
FDIC deposit insurance		370	368
Other		2,446	2,461
Total Non-interest Expense		28,719	27,990
Income Before Income Tax		5,755	11,548
Income tax expense		945	2,167
Net Income		$ 4,810	$ 9,381
Net Income Per Common Share
Basic (in dollars per share)	[1]	$ 0.22	$ 0.40
Diluted (in dollars per share)		$ 0.21	$ 0.39
[1]	Basic net income per common share includes weighted average common shares outstanding during the period and participating share awards.

Condensed Consolidated Statem_4

Condensed Consolidated Statements of Comprehensive Income (unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Condensed Consolidated Statements of Comprehensive Income (unaudited) [Abstract]
Net income	$ 4,810	$ 9,381
Securities available for sale
Unrealized gains (losses) arising during period	(598)	5,364
Change in unrealized losses for which a portion of other than temporary impairment has been recognized in earnings	(169)	(2)
Reclassification adjustments for gains included in earnings	(253)	(137)
Unrealized gains (losses) recognized in other comprehensive income (loss) on securities available for sale	(1,020)	5,225
Income tax expense (benefit)	(214)	1,097
Unrealized gains (losses) recognized in other comprehensive income (loss) on securities available for sale, net of tax	(806)	4,128
Derivative instruments
Unrealized gain (loss) arising during period	(406)	(912)
Reclassification adjustment for income recognized in earnings	75	(149)
Unrealized gains (losses) recognized in other comprehensive income (loss) on derivative instruments	(331)	(1,061)
Income tax expense (benefit)	(69)	(224)
Unrealized gains (losses) recognized in other comprehensive income (loss) on derivative instruments, net of tax	(262)	(837)
Other comprehensive income (loss)	(1,068)	3,291
Comprehensive income	$ 3,742	$ 12,672

Condensed Consolidated Statem_5

Condensed Consolidated Statements of Cash Flows (unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Condensed Consolidated Statements of Cash Flows (unaudited) [Abstract]
Net Income	$ 4,810	$ 9,381
Adjustments to Reconcile Net Income to Net Cash From Operating Activities
Proceeds from the sale of equity securities at fair value	0	560
Proceeds from sales of loans held for sale	241,856	87,496
Disbursements for loans held for sale	(227,765)	(82,230)
Provision for loan losses	6,721	664
Deferred income tax expense (benefit)	(1,925)	2,039
Deferred loan fees and costs	(358)	(111)
Net depreciation, amortization of intangible assets and premiums and accretion of discounts on securities, loans and interest bearing deposits - time	1,795	1,479
Net gains on mortgage loans	(8,840)	(3,611)
Net gains on securities	(253)	(304)
Share based compensation	547	420
(Increase) decrease in accrued income and other assets	5,095	(8,107)
Increase in accrued expenses and other liabilities	599	2,455
Total Adjustments	17,472	750
Net Cash From Operating Activities	22,282	10,131
Cash Flow Used in Investing Activities
Proceeds from the sale of securities available for sale	21,743	42,236
Proceeds from maturities, prepayments and calls of securities available for sale	42,744	32,533
Purchases of securities available for sale	(103,901)	(71,693)
Proceeds from the maturity of interest bearing deposits - time	350	100
Net increase in portfolio loans (loans originated, net of principal payments)	(22,432)	(65,653)
Proceeds from the sale of portfolio loans	2,395	40,630
Proceeds from bank-owned life insurance	945	0
Proceeds from the sale of other real estate and repossessed assets	328	167
Capital expenditures	(760)	(511)
Net Cash Used in Investing Activities	(58,588)	(22,191)
CASH FLOW FROM FINANCING ACTIVITIES
Net increase in total deposits	46,837	20,797
Net increase in other borrowings	6,296	2
Proceeds from Federal Home Loan Bank advances	160,000	0
Payments of Federal Home Loan Bank advances	(153,000)	0
Dividends paid	(4,477)	(4,246)
Proceeds from issuance of common stock	11	282
Repurchase of common stock	(13,784)	(2,530)
Share based compensation withholding obligation	(590)	(866)
Net Cash From Financing Activities	41,293	13,439
Net Increase in Cash and Cash Equivalents	4,987	1,379
Cash and Cash Equivalents at Beginning of Period	65,304	70,244
Cash and Cash Equivalents at End of Period	70,291	71,623
Cash paid during the period for
Interest	5,489	6,253
Income taxes	0	0
Operating leases	476	563
Transfers to other real estate and repossessed assets	66	325
Purchase of securities available for sale not yet settled	10,497	1,500
Securitization of portfolio loans	26,325	29,790
Right of use assets obtained in exchange for lease obligations	$ 116	$ 7,703

Condensed Consolidated Statem_6

Condensed Consolidated Statements of Shareholders' Equity (unaudited) - USD ($) $ in Thousands	Common Stock [Member]	Retained Earnings (Accumulated Deficit) [Member]	Accumulated Other Comprehensive Loss [Member]	Total
Balance at beginning of period at Dec. 31, 2018	$ 377,372	$ (28,270)	$ (10,108)	$ 338,994
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income		9,381		9,381
Cash dividends declared	0	(4,246)	0	(4,246)
Repurchase of common stock	(2,530)	0	0	(2,530)
Issuance of common stock	282	0	0	282
Share based compensation	420	0	0	420
Share based compensation withholding obligation	(866)	0	0	(866)
Other comprehensive income	0	0	3,291	3,291
Balances at end of period at Mar. 31, 2019	374,678	(23,135)	(6,817)	344,726
Balance at beginning of period at Dec. 31, 2019	352,344	1,611	(3,786)	350,169
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income		4,810		4,810
Cash dividends declared	0	(4,477)	0	(4,477)
Repurchase of common stock	(13,784)	0	0	(13,784)
Issuance of common stock	11	0	0	11
Share based compensation	547	0	0	547
Share based compensation withholding obligation	(590)	0	0	(590)
Other comprehensive income	0	0	(1,068)	(1,068)
Balances at end of period at Mar. 31, 2020	$ 338,528	$ 1,944	$ (4,854)	$ 335,618

Condensed Consolidated Statem_7

Condensed Consolidated Statements of Shareholders' Equity (unaudited) (Parenthetical) - $ / shares	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Condensed Consolidated Statements of Shareholders' Equity (unaudited) [Abstract]
Cash dividends declared (in dollars per share)	$ 0.20	$ 0.18
Repurchase of shares of common stock (in shares)	678,929	115,787
Issuance of shares of common stock (in shares)	11,567	68,399
Share based compensation, common stock (in shares)	105,894	84,128
Share based compensation withholding obligation, common stock (in shares)	28,174	56,286

Preparation of Financial Statem

Preparation of Financial Statements	3 Months Ended
	Mar. 31, 2020
Preparation of Financial Statements [Abstract]
Preparation of Financial Statements	1. Preparation of Financial Statements The condensed consolidated financial statements have been prepared pursuant to the rules and regulations of the Securities and Exchange Commission. Certain information and note disclosures normally included in annual financial statements prepared in accordance with U.S. generally accepted accounting principles (“GAAP”) have been condensed or omitted pursuant to those rules and regulations, although we believe that the disclosures made are adequate to make the information not misleading. The unaudited condensed consolidated financial statements should be read in conjunction with the audited consolidated financial statements and notes for the year ended December 31, 2019 included in our Annual Report on Form 10-K. In our opinion, the accompanying unaudited condensed consolidated financial statements contain all the adjustments necessary to present fairly our consolidated financial condition as of March 31, 2020 and December 31, 2019, and the results of operations for the three month periods ended March 31, 2020 and 2019. The results of operations for the three month period ended March 31, 2020, are not necessarily indicative of the results to be expected for the full year. Certain reclassifications have been made in the prior period financial statements to conform to the current period presentation. Our critical accounting policies include the determination of the allowance for loan losses and the valuation of capitalized mortgage loan servicing rights. Refer to our 2019 Annual Report on Form 10-K for a disclosure of our accounting policies.

New Accounting Standards

New Accounting Standards	3 Months Ended
	Mar. 31, 2020
New Accounting Standards [Abstract]
New Accounting Standards	2. New Accounting Standards In June 2016, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2016-13, ‘‘Financial Instruments — Credit Losses (Topic 326), Measurement of Credit Losses on Financial Instruments’’. This ASU significantly changes how entities will measure credit losses for most financial assets and certain other instruments that are not measured at fair value through net income. This ASU: • Replaces the existing incurred loss impairment guidance and establishes a single allowance framework for financial assets carried at amortized cost, which will reflect our estimate of credit losses over the full remaining expected life of the financial assets and will consider expected future changes in macroeconomic conditions. • Eliminates existing guidance for purchase credit impaired (‘‘PCI’’) loans, and requires recognition of the nonaccretable difference as an increase to the allowance for expected credit losses on financial assets purchased with more than insignificant credit deterioration since origination, which will be offset by an increase in the recorded investment of the related loans. • Requires inclusion of expected recoveries, limited to the cumulative amount of prior write-offs, when estimating the allowance for credit losses for in scope financial assets (including collateral dependent assets). • Amends existing impairment guidance for securities available for sale to incorporate an allowance, which will allow for reversals of credit impairments in the event that the credit of an issuer improves. Credit losses on securities available for sale are limited to the amount of the decline in fair value regardless of what the credit loss model would show for impairment. • Generally requires a cumulative-effect adjustment to retained earnings as of the beginning of the reporting period of adoption. We began evaluating this ASU in 2016 and established a company-wide, cross-discipline governance structure, which provides implementation oversight. We continued to test and refine our current expected credit loss models that satisfied the requirements of this ASU. Oversight and testing, as well as efforts to meet expanded disclosure requirements, extended through the end of 2019. We currently estimate losses over approximately a two year forecast period using the Federal Open Market Committee median economic projections as well as considering other economic forecast sources, and then revert to longer term historical loss experience to estimate losses over more extended periods. We were originally required to adopt this ASU on January 1, 2020 but section 4014 of the Coronavirus Aid, Relief, and Economic Security (“CARES”) Act allows for temporary relief from applying this ASU. Under the CARES Act we may delay the adoption of this ASU until the earlier of the termination of the national emergency that President Trump declared on March 13, 2020, or December 31, 2020. As such, we have chosen to delay the adoption of this ASU and continue to utilize the existing incurred loss impairment methodology to calculate our allowance for loan losses and our provision for loan losses as required under Accounting Standards Codification 310 (Receivables). When we adopt this ASU as required under the CARES act we will do so retrospectively to January 1, 2020. We expect to recognize a one-time cumulative effect adjustment at January 1, 2020 increasing the allowance for loan losses. We are estimating an increase to the allowance for loan losses at that time to be in the range of $8.0 million to $10.0 million primarily driven by the longer contractual maturities of our mortgage and consumer installment loan segments. In addition, we currently expect this ASU to increase the allowance for losses related to unfunded loan commitments between $1.0 million and $2.0 million. The ultimate impact of adopting this ASU, and at each subsequent reporting period, is highly dependent on credit quality, economic forecasts and conditions, composition of our loan portfolios and securities available for sale, along with other management judgements. The transition adjustment to record the allowance for credit losses may fall outside of our estimated increase based on the finalization of assumptions including qualitative adjustments and the economic forecast used in calculating the allowance for credit losses upon the adoption of CECL. We do not expect a material allowance for credit losses to be recorded on securities available for sale upon adoption of this ASU. 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’’. This new ASU amends disclosure requirements in Topic 820 to eliminate, add and modify certain disclosure requirements for fair value measurements as part of its disclosure framework project. The amended guidance eliminates the requirements to disclose the amount of and reasons for transfers between Level 1 and Level 2 of the fair value hierarchy, the entity’s policy for the timing of transfers between levels of the fair value hierarchy and the entity’s valuation processes for Level 3 fair value measurements. The amended guidance adds the requirements to disclose the changes in unrealized gains and losses for the period included in other comprehensive income (loss) for recurring Level 3 fair value measurements of instruments held at the end of the reporting period and for recurring and nonrecurring Level 3 fair value measurements, the range and weighted average used to develop significant unobservable inputs and how the weighted average was calculated, with certain exceptions. This amended guidance was effective for us on January 1, 2020, and did not have a material impact on our consolidated operating results or financial condition. In March 2020, the FASB issued ASU 2020-04, ‘‘Reference Rate Reform (Topic 848), Facilitation of the Effects of Reference Rate Reform on Financial Reporting’’. This new ASU provides temporary optional expedients and exceptions to GAAP guidance on contract modifications and hedge accounting to ease the financial reporting burdens of the expected market transition from LIBOR and other interbank offered rates to alternative reference rates. Entities can elect not to apply certain modification accounting requirements to contracts affected by reference rate reform, if certain criteria are met. Entities that make such elections would not have to remeasure contracts at the modification date or reassess a previous accounting determination. Entities can elect various optional expedients that would allow them to continue applying hedge accounting for hedging relationships affected by reference rate reform, if certain criteria are met. This amended guidance and our ability to elect its temporary optional expedients and exceptions are effective for us as of March 12, 2020 through December 31, 2022.

Securities

Securities	3 Months Ended
	Mar. 31, 2020
Securities [Abstract]
Securities	3. Securities Securities available for sale consist of the following: Amortized Unrealized Cost Gains Losses Fair Value (In thousands) March 31, 2020 U.S. agency $ 12,648 $ 207 $ 27 $ 12,828 U.S. agency residential mortgage-backed 216,436 5,746 353 221,829 U.S. agency commercial mortgage-backed 9,665 252 1 9,916 Private label mortgage-backed 38,188 341 1,458 37,071 Other asset backed 105,971 79 2,169 103,881 Obligations of states and political subdivisions 162,805 2,477 1,341 163,941 Corporate 42,392 932 513 42,811 Trust preferred 1,968 - 477 1,491 Foreign government 499 17 - 516 Total $ 590,572 $ 10,051 $ 6,339 $ 594,284 December 31, 2019 U.S. agency $ 14,591 $ 89 $ 19 $ 14,661 U.S. agency residential mortgage-backed 226,130 1,910 278 227,762 U.S. agency commercial mortgage-backed 10,671 113 28 10,756 Private label mortgage-backed 39,248 544 99 39,693 Other asset backed 94,158 103 375 93,886 Obligations of states and political subdivisions 94,499 1,724 121 96,102 Corporate 31,904 1,296 5 33,195 Trust preferred 1,968 - 125 1,843 Foreign government 499 3 - 502 Total $ 513,668 $ 5,782 $ 1,050 $ 518,400 Our investments’ gross unrealized losses and fair values aggregated by investment type and length of time that individual securities have been at a continuous unrealized loss position follows: Less Than Twelve Months Twelve Months or More Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses (In thousands) March 31, 2020 U.S. agency $ 1,042 $ 1 $ 2,473 $ 26 $ 3,515 $ 27 U.S. agency residential mortgage-backed 37,673 289 5,166 64 42,839 353 U.S. agency commercial mortgage-backed - - 372 1 372 1 Private label mortgage-backed 22,232 1,388 358 70 22,590 1,458 Other asset backed 67,012 1,442 18,910 727 85,922 2,169 Obligations of states and political subdivisions 50,643 1,321 2,213 20 52,856 1,341 Corporate 14,556 513 - - 14,556 513 Trust preferred - - 1,491 477 1,491 477 Total $ 193,158 $ 4,954 $ 30,983 $ 1,385 $ 224,141 $ 6,339 December 31, 2019 U.S. agency $ 2,782 $ 8 $ 2,712 $ 11 $ 5,494 $ 19 U.S. agency residential mortgage-backed 56,377 126 13,551 152 69,928 278 U.S. agency commercial mortgage-backed 3,284 24 659 4 3,943 28 Private label mortgage-backed 16,387 55 343 44 16,730 99 Other asset backed 34,027 233 13,839 142 47,866 375 Obligations of states and political subdivisions 15,666 84 5,396 37 21,062 121 Corporate 2,125 5 - - 2,125 5 Trust preferred - - 1,843 125 1,843 125 Total $ 130,648 $ 535 $ 38,343 $ 515 $ 168,991 $ 1,050 Our portfolio of securities available for sale is reviewed quarterly for impairment in value. In performing this review management considers (1) the length of time and extent that fair value has been less than cost, (2) the financial condition and near term prospects of the issuer, (3) the impact of changes in market interest rates on the market value of the security and (4) an assessment of whether we intend to sell, or it is more likely than not that we will be required to sell, a security in an unrealized loss position before recovery of its amortized cost basis. For securities that do not meet the aforementioned recovery criteria, the amount of impairment recognized in earnings is limited to the amount related to credit losses, while impairment related to other factors is recognized in other comprehensive income (loss). U.S. agency, U.S. agency residential mortgage-backed securities and U.S. agency commercial mortgage backed securities — at March 31, 2020, we had 24 U.S. agency, 52 U.S. agency residential mortgage-backed and six U.S. agency commercial mortgage-backed securities whose fair value is less than amortized cost. The unrealized losses are largely attributed to widening spreads to Treasury bonds since acquisition. Private label mortgage backed, other asset backed and corporate securities — at March 31, 2020, we had 35 private label mortgage backed, 122 other asset backed and 18 corporate securities whose fair value is less than amortized cost. The unrealized losses are primarily due to credit spread widening since acquisition. Two private label mortgage-backed securities (discussed further below) were reviewed for other than temporary impairment (‘‘OTTI’’) utilizing a cash flow projection. The cash flow analysis forecasts cash flow from the underlying loans in each transaction and then applies these cash flows to the bonds in the securitization. Obligations of states and political subdivisions — at March 31, 2020, we had 36 municipal securities whose fair value is less than amortized cost. Trust preferred securities — at March 31, 2020, As management does not intend to liquidate any of the securities discussed above and it is more likely than not that we will not be required to sell these securities prior to recovery of these unrealized losses, no declines discussed above (other than certain declines related to the two private label mortgage-backed securities currently being reviewed for OTTI) are deemed to be other than temporary. We recorded no credit related OTTI charges in our Condensed Consolidated Statements of Operations related to securities available for sale during the three month periods ended March 31, 2020 and 2019, respectively. At March 31, 2020, two private label mortgage-backed securities had credit related OTTI and are summarized as follows: Senior Security Super Senior Security Total (In thousands) Fair value $ 469 $ 513 $ 982 Amortized cost 490 410 900 Non-credit unrealized loss 21 - 21 Unrealized gain - 103 103 Cumulative credit related OTTI 757 457 1,214 Both of these securities are receiving principal and interest payments similar to principal reductions in the underlying collateral and have unrealized gains at March 31, 2020. The original amortized cost (current amortized cost excluding cumulative credit related OTTI) for each of these securities has been permanently adjusted downward for previously recorded credit related OTTI. The unrealized loss (based on original amortized cost) for one of these securities is now less than previously recorded credit related OTTI amounts. A roll forward of credit losses recognized in earnings on securities available for sale follows: Three months ended March 31, 2020 2019 (In thousands) Balance at beginning of period $ 1,214 $ 1,594 Additions to credit losses on securities for which no previous OTTI was recognized - - Increases to credit losses on securities for which OTTI was previously recognized - - Balance at end of period $ 1,214 $ 1,594 The amortized cost and fair value of securities available for sale at March 31, 2020, by contractual maturity, follow: Amortized Cost Fair Value (In thousands) Maturing within one year $ 13,075 $ 13,132 Maturing after one year but within five years 61,789 62,393 Maturing after five years but within ten years 47,654 48,967 Maturing after ten years 97,794 97,095 220,312 221,587 U.S. agency residential mortgage-backed 216,436 221,829 U.S. agency commercial mortgage-backed 9,665 9,916 Private label mortgage-backed 38,188 37,071 Other asset backed 105,971 103,881 Total $ 590,572 $ 594,284 The actual maturity may differ from the contractual maturity because issuers may have the right to call or prepay obligations with or without call or prepayment penalties. Gains and losses realized on the sale of securities available for sale are determined using the specific identification method and are recognized on a trade-date basis. A summary of proceeds from the sale of securities available for sale and gains and losses for the three month periods ending March 31, follows: Realized Proceeds Gains Losses (In thousands) 2020 $ 21,743 $ 253 $ - 2019 42,236 169 32 Certain preferred stocks which were all sold during the first quarter of 2019 had been classified as equity securities at fair value in our Condensed Consolidated Statement of Financial Condition. During the three months ended March 31, 2019 we recognized gains on these preferred stocks of $0.167 million

Loans

Loans	3 Months Ended
	Mar. 31, 2020
Loans [Abstract]
Loans	4. Loans Our assessment of the allowance for loan losses is based on an evaluation of the loan portfolio, recent and historical loss experience, current economic conditions and other pertinent factors. An analysis of the allowance for loan losses by portfolio segment for the three months ended March 31, follows: Commercial Mortgage Installment Subjective Allocation Total (In thousands) 2020 Balance at beginning of period $ 7,922 $ 8,216 $ 1,283 $ 8,727 $ 26,148 Additions (deductions) Provision for loan losses 2,218 (508 ) 129 4,882 6,721 Recoveries credited to the allowance 108 117 174 - 399 Loans charged against the allowance (36 ) (409 ) (328 ) - (773 ) Balance at end of period $ 10,212 $ 7,416 $ 1,258 $ 13,609 $ 32,495 2019 Balance at beginning of period $ 7,090 $ 7,978 $ 895 $ 8,925 $ 24,888 Additions (deductions) Provision for loan losses 420 573 523 (852 ) 664 Recoveries credited to the allowance 127 224 217 - 568 Loans charged against the allowance (119 ) (363 ) (384 ) - (866 ) Balance at end of period $ 7,518 $ 8,412 $ 1,251 $ 8,073 $ 25,254 Allowance for loan losses and recorded investment in loans by portfolio segment follows: Commercial Mortgage Installment Subjective Allocation Total (In thousands) March 31, 2020 Allowance for loan losses: Individually evaluated for impairment $ 3,467 $ 4,391 $ 280 $ - $ 8,138 Collectively evaluated for impairment 6,745 3,025 978 13,609 24,357 Loans acquired with deteriorated credit quality - - - - - Total ending allowance for loan losses balance $ 10,212 $ 7,416 $ 1,258 $ 13,609 $ 32,495 Loans Individually evaluated for impairment $ 18,048 $ 42,440 $ 2,813 $ 63,301 Collectively evaluated for impairment 1,164,903 1,030,996 464,633 2,660,532 Loans acquired with deteriorated credit quality 1,340 567 311 2,218 Total loans recorded investment 1,184,291 1,074,003 467,757 2,726,051 Accrued interest included in recorded investment 2,692 4,036 1,208 7,936 Total loans $ 1,181,599 $ 1,069,967 $ 466,549 $ 2,718,115 December 31, 2019 Allowance for loan losses: Individually evaluated for impairment $ 1,031 $ 4,863 $ 261 $ - $ 6,155 Collectively evaluated for impairment 6,891 3,353 1,022 8,727 19,993 Loans acquired with deteriorated credit quality - - - - - Total ending allowance for loan losses balance $ 7,922 $ 8,216 $ 1,283 $ 8,727 $ 26,148 Loans Individually evaluated for impairment $ 9,393 $ 43,574 $ 2,925 $ 55,892 Collectively evaluated for impairment 1,158,906 1,058,917 457,370 2,675,193 Loans acquired with deteriorated credit quality 1,394 575 316 2,285 Total loans recorded investment 1,169,693 1,103,066 460,611 2,733,370 Accrued interest included in recorded investment 2,998 4,155 1,194 8,347 Total loans $ 1,166,695 $ 1,098,911 $ 459,417 $ 2,725,023 Loans on non-accrual status and past due more than 90 days (“Non-performing Loans”) follow (1) 90+ and Still Accruing Non- Accrual Total Non- Performing Loans (In thousands) March 31, 2020 Commercial Commercial and industrial (2) $ - $ 1,285 $ 1,285 Commercial real estate - 7,756 7,756 Mortgage 1-4 family owner occupied - jumbo - 2,356 2,356 1-4 family owner occupied - non-jumbo (3) - 1,804 1,804 1-4 family non-owner occupied - 1,122 1,122 1-4 family - 2nd lien - 1,326 1,326 Resort lending - 438 438 Installment Boat lending - 150 150 Recreational vehicle lending - 84 84 Other - 457 457 Total recorded investment $ - $ 16,778 $ 16,778 Accrued interest included in recorded investment $ - $ - $ - December 31, 2019 Commercial Commercial and industrial (2) $ - $ 565 $ 565 Commercial real estate - 735 735 Mortgage 1-4 family owner occupied - jumbo - 1,179 1,179 1-4 family owner occupied - non-jumbo (3) - 3,540 3,540 1-4 family non-owner occupied - 1,039 1,039 1-4 family - 2nd lien - 979 979 Resort lending - 690 690 Installment Boat lending - 332 332 Recreational vehicle lending - 3 3 Other - 470 470 Total recorded investment $ - $ 9,532 $ 9,532 Accrued interest included in recorded investment $ - $ - $ - (1)Non-performing loans exclude purchase credit impaired loans. (2)Non-performing commercial and industrial loans exclude $0.053 million and $0.077 million of government guaranteed loans at March 31, 2020 and December 31, 2019, respectively. (3)Non-performing 1-4 family owner occupied – non jumbo loans exclude $0.623 million and $0.569 million of government guaranteed loans at March 31, 2020 and December 31, 2019, respectively. An aging analysis of loans by class follows: Loans Past Due Loans not Total 30-59 days 60-89 days 90+ days Total Past Due Loans (In thousands) March 31, 2020 Commercial Commercial and industrial $ 339 $ - $ 70 $ 409 $ 581,613 $ 582,022 Commercial real estate 175 - - 175 602,094 602,269 Mortgage 1-4 family owner occupied - jumbo 911 947 1,436 3,294 434,866 438,160 1-4 family owner occupied - non-jumbo 2,296 628 584 3,508 284,956 288,464 1-4 family non-owner occupied 1,039 348 690 2,077 164,961 167,038 1-4 family - 2nd lien 980 455 862 2,297 111,877 114,174 Resort lending 226 - 402 628 65,539 66,167 Installment Boat lending 548 75 75 698 205,019 205,717 Recreational vehicle lending 242 42 54 338 158,336 158,674 Other 385 184 216 785 102,581 103,366 Total $ 7,141 $ 2,679 $ 4,389 $ 14,209 $ 2,711,842 $ 2,726,051 Accrued interest included in recorded investment $ 71 $ 41 $ - $ 112 $ 7,824 $ 7,936 December 31, 2019 Commercial Commercial and industrial $ - $ 289 $ 102 $ 391 $ 564,480 $ 564,871 Commercial real estate 177 - 735 912 603,910 604,822 Mortgage 1-4 family owner occupied - jumbo 1,757 1,037 - 2,794 398,759 401,553 1-4 family owner occupied - non-jumbo 2,672 852 1,387 4,911 342,349 347,260 1-4 family non-owner occupied 695 136 623 1,454 168,083 169,537 1-4 family - 2nd lien 909 90 386 1,385 115,157 116,542 Resort lending 364 53 565 982 67,192 68,174 Installment Boat lending 337 107 88 532 202,750 203,282 Recreational vehicle lending 161 97 3 261 153,184 153,445 Other 377 275 202 854 103,030 103,884 Total recorded investment $ 7,449 $ 2,936 $ 4,091 $ 14,476 $ 2,718,894 $ 2,733,370 Accrued interest included in recorded investment $ 74 $ 34 $ - $ 108 $ 8,239 $ 8,347 Impaired loans are as follows: March 31, 2020 December 31, 2019 Impaired loans with no allocated allowance for loan losses (In thousands) Troubled debt restructurings (“TDR”) $ 232 $ 337 Non - TDR 1,318 1,550 Impaired loans with an allocated allowance for loan losses TDR - allowance based on collateral 9,535 1,587 TDR - allowance based on present value cash flow 40,769 48,798 Non - TDR - allowance based on collateral 11,205 3,365 Total impaired loans $ 63,059 $ 55,637 Amount of allowance for loan losses allocated TDR - allowance based on collateral $ 1,247 $ 542 TDR - allowance based on present value cash flow 4,000 4,641 Non - TDR - allowance based on collateral 2,891 972 Total amount of allowance for loan losses allocated $ 8,138 $ 6,155 Impaired loans by class are as follows: March 31, 2020 December 31, 2019 Recorded Investment Unpaid Principal Balance Related Allowance For Loan Losses Recorded Investment Unpaid Principal Balance Related Allowance For Loan Losses With no related allowance for loan losses recorded: (In thousands) Commercial Commercial and industrial $ 84 $ 84 $ - $ 257 $ 257 $ - Commercial real estate - - - 796 796 - Mortgage 1-4 family owner occupied - jumbo 154 246 - - - - 1-4 family owner occupied - non-jumbo 385 410 - 212 217 - 1-4 family non-owner occupied 389 554 - 214 366 - 1-4 family - 2nd lien 384 384 - 407 438 - Resort lending 154 379 - - - - Installment Boat lending - - - - - - Recreational vehicle lending - - - - - - Other - - - 1 41 - 1,550 2,057 - 1,887 2,115 - With an allowance for loan losses recorded: Commercial Commercial and industrial $ 2,409 $ 2,496 685 1,655 1,706 453 Commercial real estate 15,555 15,479 2,782 6,685 6,661 578 Mortgage 1-4 family owner occupied - jumbo 23,413 24,861 2,351 1,447 1,445 91 1-4 family owner occupied - non-jumbo 598 652 157 10,163 10,695 1,031 1-4 family non-owner occupied 4,606 5,052 465 4,962 5,542 572 1-4 family - 2nd lien 813 832 214 14,059 15,243 1,695 Resort lending 11,544 11,786 1,204 12,110 12,263 1,474 Installment Boat lending 75 99 27 - - - Recreational vehicle lending 129 150 32 - - - Other 2,609 2,907 221 2,924 3,153 261 61,751 64,314 8,138 54,005 56,708 6,155 Total Commercial Commercial and industrial 2,493 2,580 685 1,912 1,963 453 Commercial real estate 15,555 15,479 2,782 7,481 7,457 578 Mortgage 1-4 family owner occupied - jumbo 23,567 25,107 2,351 1,447 1,445 91 1-4 family owner occupied - non-jumbo 983 1,062 157 10,375 10,912 1,031 1-4 family non-owner occupied 4,995 5,606 465 5,176 5,908 572 1-4 family - 2nd lien 1,197 1,216 214 14,466 15,681 1,695 Resort lending 11,698 12,165 1,204 12,110 12,263 1,474 Installment Boat lending 75 99 27 - - - Recreational vehicle lending 129 150 32 - - - Other 2,609 2,907 221 2,925 3,194 261 Total $ 63,301 $ 66,371 $ 8,138 $ 55,892 $ 58,823 $ 6,155 Accrued interest included in recorded investment $ 242 $ 255 Average recorded investment in and interest income earned on impaired loans by class for the three month periods ending March 31, follows: 2020 2019 Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized With no related allowance for loan losses recorded: (In thousands) Commercial Commercial and industrial $ 171 $ 1 $ - $ - Commercial real estate 398 - - - Mortgage 1-4 family owner occupied - jumbo 77 1 - - 1-4 family owner occupied - non-jumbo 299 4 179 - 1-4 family non-owner occupied 302 2 - - 1-4 family - 2nd lien 396 - - - Resort lending 77 - - - Installment Boat lending - - - - Recreational vehicle lending - - - - Other 1 - 1 - 1,721 8 180 - With an allowance for loan losses recorded: Commercial Commercial and industrial 2,032 38 3,278 20 Commercial real estate 11,120 223 5,035 67 Mortgage 1-4 family owner occupied - jumbo 12,430 360 1,579 27 1-4 family owner occupied - non-jumbo 5,381 4 18,579 356 1-4 family non-owner occupied 4,784 66 4,069 64 1-4 family - 2nd lien 7,436 4 8,802 3 Resort lending 11,827 141 13,148 175 Installment Boat lending 38 - 51 - Recreational vehicle lending 65 1 81 1 Other 2,767 41 3,316 52 57,880 878 57,938 765 Total Commercial Commercial and industrial 2,203 39 3,278 20 Commercial real estate 11,518 223 5,035 67 Mortgage 1-4 family owner occupied - jumbo 12,507 361 1,579 27 1-4 family owner occupied - non-jumbo 5,680 8 18,758 356 1-4 family non-owner occupied 5,086 68 4,069 64 1-4 family - 2nd lien 7,832 4 8,802 3 Resort lending 11,904 141 13,148 175 Installment Boat lending 38 - 51 - Recreational vehicle lending 65 1 81 1 Other 2,768 41 3,317 52 Total $ 59,601 $ 886 $ 58,118 $ 765 Cash receipts on impaired loans on non-accrual status are generally applied to the principal balance. TDRs follow: March 31, 2020 Commercial Retail (1) Total (In thousands) Performing TDRs $ 8,924 $ 39,253 $ 48,177 Non-performing TDRs(2) 264 2,095 (3) 2,359 Total $ 9,188 $ 41,348 $ 50,536 December 31, 2019 Commercial Retail (1) Total (In thousands) Performing TDRs $ 7,974 $ 39,601 $ 47,575 Non-performing TDRs(2) 540 2,607 (3) 3,147 Total $ 8,514 $ 42,208 $ 50,722 (1) Retail loans include mortgage and installment loan segments. (2) Included in non-performing loans table above. (3) Also includes loans on non-accrual at the time of modification until six payments are received on a timely basis. We allocated $5.2 million of specific reserves to customers whose loan terms have been modified in troubled debt restructurings (“TDR”) at both March 31, 2020 and December 31, 2019, respectively. During the three months ended March 31, 2020 and 2019, the terms of certain loans were modified as TDRs. The modification of the terms of such loans generally included one or a combination of the following: a reduction of the stated interest rate of the loan; an extension of the maturity date at a stated rate of interest lower than the current market rate for new debt with similar risk; or a permanent reduction of the recorded investment in the loan. Modifications involving a reduction of the stated interest rate of the loan have generally been for periods ranging from 9 months to 36 months but have extended to as much as 480 months in certain circumstances. Modifications involving an extension of the maturity date have generally been for periods ranging from 1 month to 60 months but have extended to as much as 230 months in certain circumstances. Loans that have been classified as TDRs during the three-month periods ended March 31 follow: Number of Contracts Pre-modification Balance Post-modification Balance (Dollars in thousands) 2020 Commercial Commercial and industrial 1 $ 99 $ 99 Commercial real estate 3 1,177 1,177 Mortgage 1-4 family owner occupied - jumbo 1 281 281 1-4 family owner occupied - non-jumbo - - - 1-4 family non-owner occupied - - - 1-4 family - 2nd lien - - - Resort lending - - - Installment Boat lending - - - Recreational vehicle lending - - - Other 2 60 61 Total 7 $ 1,617 $ 1,618 2019 Commercial Commercial and industrial 1 $ 49 $ 49 Commercial real estate - - - Mortgage 1-4 family owner occupied - jumbo - - - 1-4 family owner occupied - non-jumbo 1 281 281 1-4 family non-owner occupied - - - 1-4 family - 2nd lien - - - Resort lending - - - Installment Boat lending - - - Recreational vehicle lending - - - Other 2 60 61 Total 4 $ 390 $ 391 The TDRs described above for 2020 increased the allowance for loan losses by $0.27 million and resulted in zero charge offs while the TDRs described above for 2019 increased the allowance for loan losses by $0.01 million and resulted in zero charge offs. There were no TDRs that subsequently defaulted within twelve months following the modification during the three months periods ended March 31, 2020 and 2019. A loan is considered to be in payment default generally once it is 90 days contractually past due under the modified terms. In order to determine whether a borrower is experiencing financial difficulty, we perform an evaluation of the probability that the borrower will be in payment default on any of its debt in the foreseeable future without the modification. This evaluation is performed under our internal underwriting policy. Non-TDR Loan Modifications and Paycheck Protection Program (“PPP”) due to COVID-19 - On March 22, 2020, the federal banking agencies issued an “Interagency Statement on Loan Modifications and Reporting for Financial Institutions Working with Customers Affected by the Coronavirus”. This guidance encourages financial institutions to work prudently with borrowers that may be unable to meet their contractual obligations because of the effects of COVID-19. The guidance goes on to explain that in consultation with the Financial Accounting Standards Board staff that the federal banking agencies conclude that short-term modifications (e.g. six months) made on a good faith basis to borrowers who were current as of the implementation date of a relief program are not TDRs. . Section 4013 of the CARES Act also addressed COVID-19 related modifications and specified that COVID-19 related modifications on loans that were current as of December 31, 2019 are not TDRs. Through March 31, 2020, we had entered into loan modification agreements with 366 customers under this guidance with respect to $86.9 million of portfolio loans outstanding. The CARES Act also included a $349 billion loan program administered through the SBA referred to as the PPP. Under the PPP, small businesses and other entities and individuals can apply for loans from existing SBA lenders and other approved regulated lenders that enroll in the program, subject to numerous limitations and eligibility criteria. We are participating as a lender in the PPP. The PPP opened on April 3, 2020; however, because of the short timeframe between the passing of the CARES Act and the opening of the PPP, there is some ambiguity in the laws, rules and guidance regarding the operation of the PPP, which exposes us to potential risks relating to noncompliance with the PPP. Credit Quality Indicators For commercial loans, we use a loan rating system that is similar to those employed by state and federal banking regulators. Loans are graded on a scale of 1 to 12. A description of the general characteristics of the ratings follows: Rating 1 through 6 Rating 7 and 8 Rating 9 Rating 10 and 11 These loans are generally referred to as our ‘‘substandard - non-accrual’’ and ‘‘doubtful’’ commercial credits. Our doubtful rating includes a sub classification for a loss rate other than 50% (which is the standard doubtful loss rate). These ratings include loans to borrowers with weaknesses that make collection of debt in full, on the basis of current facts, conditions and values at best questionable and at worst improbable. All of these loans are placed in non-accrual. Rating 12 The following table summarizes loan ratings by loan class for our commercial loan segment: Commercial Non-watch 1-6 Watch 7-8 Substandard Accrual 9 Non- Accrual 10-11 Total (In thousands) March 31, 2020 Commercial and industrial $ 534,064 $ 42,460 $ 4,213 $ 1,285 $ 582,022 Commercial real estate 578,466 14,161 1,886 7,756 602,269 Total $ 1,112,530 $ 56,621 $ 6,099 $ 9,041 $ 1,184,291 Accrued interest included in total $ 2,503 $ 167 $ 22 $ - $ 2,692 December 31, 2019 Commercial and industrial $ 515,955 $ 44,384 $ 3,967 $ 565 $ 564,871 Commercial real estate 580,516 23,036 535 735 604,822 Total $ 1,096,471 $ 67,420 $ 4,502 $ 1,300 $ 1,169,693 Accrued interest included in total $ 2,763 $ 205 $ 30 $ - $ 2,998 For each of our mortgage and installment segment classes, we generally monitor credit quality based on the credit scores of the borrowers. These credit scores are generally updated semi-annually. The following tables summarize credit scores by loan class for our mortgage and installment loan segments: Mortgage (1) 1-4 Family Owner Occupied - Jumbo 1-4 Family Owner Occupied - Non-jumbo 1-4 Family Non-owner Occupied 1-4 Family 2nd Lien Resort Lending Total (In thousands) March 31, 2020 $ 50,414 $ 34,580 $ 23,209 $ 13,108 $ 10,591 $ 131,902 800 and above 750-799 209,339 87,685 83,613 48,332 28,847 457,816 700-749 114,474 90,784 35,455 31,576 14,132 286,421 650-699 37,985 43,241 15,242 14,107 9,280 119,855 600-649 16,755 16,693 5,548 3,848 2,013 44,857 550-599 4,101 8,571 1,751 1,496 659 16,578 500-549 3,693 5,236 1,714 1,208 568 12,419 Under 500 1,399 1,674 506 499 77 4,155 Unknown - - - - - - Total $ 438,160 $ 288,464 $ 167,038 $ 114,174 $ 66,167 $ 1,074,003 Accrued interest included in total $ 1,264 $ 1,522 $ 562 $ 448 $ 240 $ 4,036 December 31, 2019 $ 48,486 $ 43,848 $ 24,315 $ 13,905 $ 11,076 $ 141,630 800 and above 750-799 198,491 111,521 84,656 50,012 29,364 474,044 700-749 106,609 95,064 34,839 30,697 14,626 281,835 650-699 31,553 51,174 13,995 14,267 8,063 119,052 600-649 13,230 21,938 5,897 4,097 2,074 47,236 550-599 514 12,308 1,863 1,703 673 17,061 500-549 1,519 7,940 1,870 1,281 889 13,499 Under 500 641 2,208 533 511 79 3,972 Unknown 510 1,259 1,569 69 1,330 4,737 Total $ 401,553 $ 347,260 $ 169,537 $ 116,542 $ 68,174 $ 1,103,066 Accrued interest included in total $ 1,139 $ 1,662 $ 586 $ 502 $ 266 $ 4,155 (1) Credit scores have been updated within the last twelve months. Installment(1) Boat Lending Recreational Vehicle Lending Other Total (In thousands) March 31, 2020 $ 28,885 $ 26,056 $ 7,631 $ 62,572 800 and above 750-799 120,261 90,484 37,810 248,555 700-749 41,494 32,596 27,461 101,551 650-699 11,320 7,116 22,607 41,043 600-649 2,117 1,391 4,115 7,623 550-599 1,029 580 1,764 3,373 500-549 319 429 991 1,739 Under 500 292 22 231 545 Unknown - - 756 756 Total $ 205,717 $ 158,674 $ 103,366 $ 467,757 Accrued interest included in total $ 472 $ 366 $ 370 $ 1,208 December 31, 2019 $ 28,041 $ 24,470 $ 7,611 $ 60,122 800 and above 750-799 118,380 88,164 37,583 244,127 700-749 41,490 31,055 27,204 99,749 650-699 11,485 7,267 22,517 41,269 600-649 2,254 1,411 4,470 8,135 550-599 946 592 1,884 3,422 500-549 377 464 1,127 1,968 Under 500 309 22 284 615 Unknown - - 1,204 1,204 Total $ 203,282 $ 153,445 $ 103,884 $ 460,611 Accrued interest included in total $ 490 $ 378 $ 326 $ 1,194 (1) Credit scores have been updated within the last twelve months. Foreclosed residential real estate properties included in other real estate and repossessed assets on our Condensed Consolidated Statements of Financial Condition totaled $1.0 million and $1.2 million at March 31, 2020 and December 31, 2019, respectively. Retail mortgage loans secured by residential real estate properties for which formal foreclosure proceedings are in process according to local requirements totaled $0.7 million at both March 31, 2020 and December 31, 2019, respectively. During the first quarter of 2020 we securitized $26.2 million of portfolio residential fixed rate mortgage loans servicing retained with Freddie Mac and recognized a gain on sale of $0.72 million. We also sold $2.4 million of portfolio residential fixed rate mortgage loans servicing retained into the secondary market and recognized a gain on sale of $0.7 million. These transactions were done primarily for asset/liability management purposes. During the first quarter of 2019, we sold $40.6 million, of residential adjustable rate mortgage loans servicing released (classified on the Condensed Consolidated Statements of Financial Condition as held for sale, carried at the lower of cost or fair value at December 31, 2018) to another financial institution and recognized a gain on sale of $0.01 million. During the first quarter of 2019 we also securitized $29.8 million, of portfolio residential fixed rate mortgage loans servicing retained with Freddie Mac and recognized a gain on sale of $0.53 million. These transactions were done primarily for asset/liability management purposes. PCI Loans Loans acquired in a business combination are recorded at estimated fair value on their purchase date with no carryover of the related allowance for loan losses. In determining the estimated fair value of purchased loans, we consider a number of factors including, among others, the remaining life of the acquired loans, estimated prepayments, estimated loss ratios, estimated value of the underlying collateral, and net present value of cash flows expected to be received. Purchased loans are accounted for in accordance with guidance for certain loans acquired in a transfer (ASC 310-30), when the loans have evidence of credit deterioration since origination and it is probable at the date of acquisition that the acquirer will not collect all contractually required principal and interest payments. The difference between contractually required payments and the cash flows expected to be collected at acquisition is referred to as the non-accretable difference. Subsequent decreases to the expected cash flows will generally result in a provision for loan losses. Subsequent increases in expected cash flows will result in a reversal of the provision for loan losses to the extent of prior charges and then an adjustment to accretable yield, which would have a positive impact on interest income. As a result of our acquisition of TCSB Bancorp, Inc. in the second quarter of 2018 we purchased loans for which there was, at acquisition, evidence of deterioration of credit quality since origination and it was probable, at acquisition, that all contractually required payments would not be collected. For these loans that meet the criteria of ASC 310-30 treatment, the carrying amount was as follows: March 31, 2020 December 31, 2019 (In thousands) Commercial $ 1,340 $ 1,394 Mortgage 567 575 Installment 311 316 Total carrying amount 2,218 2,285 Allowance for loan losses - - Carrying amount, net of allowance for loan losses $ 2,218 $ 2,285 The accretable difference on PCI loans is the difference between the expected cash flows and the net present value of expected cash flows with such difference accreted into earnings using the effective yield method over the term of the loans. Accretion recorded as loan interest income is included in the table below. Accretable yield of PCI loans, or income expected to be collected follows: Three months ended March 31, 2020 2019 (unaudited) (In thousands) Balance at beginning of period $ 640 $ 462 New loans purchased - - Accretion recorded as loan interest income (32 ) (39 ) Reclassification from (to) nonaccretable difference - 365 Displosals/other adjustments - - Balance at end of period $ 608 $ 788

Shareholders' Equity and Earnin

Shareholders' Equity and Earnings Per Common Share	3 Months Ended
	Mar. 31, 2020
Shareholders' Equity and Earnings Per Common Share [Abstract]
Shareholders' Equity and Earnings Per Common Share	5. Shareholders’ Equity and Earnings Per Common Share On December 17, 2019, our Board of Directors authorized a share repurchase plan (the “Repurchase Plan”) to buy back up to 1,120,000 shares of our outstanding common stock through December 31, 2020. A reconciliation of basic and diluted net income per common share follows: Three Months Ended March 31, 2020 2019 (In thousands, except per share data) Net income $ 4,810 $ 9,381 Weighted average shares outstanding (1) 22,271 23,588 Stock units for deferred compensation plan for non-employee directors 122 130 Effect of stock options 99 127 Performance share units 37 40 Weighted average shares outstanding for calculation of diluted earnings per share 22,529 23,885 Net income per common share Basic (1) $ 0.22 $ 0.40 Diluted $ 0.21 $ 0.39 (1) Weighted average stock options outstanding that were not considered in computing diluted net income per common share because they were anti-dilutive were zero for the three month periods ended March 31, 2020 and 2019, respectively.

Derivative Financial Instrument

Derivative Financial Instruments	3 Months Ended
	Mar. 31, 2020
Derivative Financial Instruments [Abstract]
Derivative Financial Instruments	6. Derivative Financial Instruments We are required to record derivatives on our Condensed Consolidated Statements of Financial Condition as assets and liabilities measured at their fair value. The accounting for increases and decreases in the value of derivatives depends upon the use of derivatives and whether the derivatives qualify for hedge accounting. Our derivative financial instruments according to the type of hedge in which they are designated follows: March 31, 2020 Notional Amount Average Maturity (years) Fair Value (Dollars in thousands) Fair value hedge designation - Pay-fixed interest rate swap agreements $ 7,117 9.1 $ (788 ) Cash flow hedge designation - Pay-fixed interest rate swap agreements $ 25,000 1.3 $ (544 ) No hedge designation Rate-lock mortgage loan commitments $ 145,077 0.1 $ 5,732 Mandatory commitments to sell mortgage loans 176,165 0.1 (2,104 ) Pay-fixed interest rate swap agreements - commercial 162,452 5.3 (11,814 ) Pay-variable interest rate swap agreements - commercial 162,452 5.3 11,814 Interest rate cap agreements 150,000 2.3 27 Purchased options 2,908 1.3 37 Written options 2,848 1.3 (36 ) Total $ 801,902 2.6 $ 3,656 December 31, 2019 Notional Amount Average Maturity (years) Fair Value (Dollars in thousands) Fair value hedge designation - Pay-fixed interest rate swap agreements $ 7,117 9.4 $ (242 ) Cash flow hedge designation Pay-fixed interest rate swap agreements $ 25,000 1.6 $ (174 ) Interest rate cap agreements 150,000 2.6 214 Total $ 175,000 2.5 $ 40 No hedge designation Rate-lock mortgage loan commitments $ 49,268 0.1 $ 1,412 Mandatory commitments to sell mortgage loans 95,363 0.1 (150 ) Pay-fixed interest rate swap agreements - commercial 153,946 5.5 (3,641 ) Pay-variable interest rate swap agreements - commercial 153,946 5.5 3,641 Purchased options 2,908 1.5 141 Written options 2,848 1.5 (139 ) Total $ 458,279 3.7 $ 1,264 We use variable-rate and short-term fixed-rate (less than 12 months) debt obligations to fund a portion of our Condensed Consolidated Statements of Financial Condition, which exposes us to variability in interest rates. To meet our asset/liability management objectives, we may periodically enter into derivative financial instruments to mitigate exposure to fluctuations in cash flows resulting from changes in interest rates (“Cash Flow Hedges”). Cash Flow Hedges included certain pay-fixed interest rate swaps and interest rate cap agreements. Pay-fixed interest rate swaps convert the variable-rate cash flows on debt obligations to fixed-rates. We record the fair value of Cash Flow Hedges in accrued income and other assets and accrued expenses and other liabilities on our Condensed Consolidated Statements of Financial Condition. On an ongoing basis, we adjust our Condensed Consolidated Statements of Financial Condition to reflect the then current fair value of Cash Flow Hedges. The related gains or losses are reported in other comprehensive income or loss and are subsequently reclassified into earnings as a yield adjustment in the same period in which the related interest on the hedged items (variable-rate debt obligations) affect earnings. It is anticipated that approximately $1.3 million, of unrealized losses on Cash Flow Hedges at March 31, 2020 will be reclassified to earnings over the next twelve months. The maximum term of Cash Flow Hedges at March 31, 2020 is 1.4 years. Beginning in the second quarter of 2019 we entered into a pay-fixed interest rate swap to protect a portion of the fair value of a certain fixed rate commercial loan commitment (“Fair Value Hedge”). As a result, changes in the fair value of the pay-fixed interest rate swap is expected to offset changes in the fair value of the fixed rate commercial loan commitment due to fluctuations in interest rates. We record the fair value of Fair Value Hedges in accrued income and other assets and accrued expenses and other liabilities on our Condensed Consolidated Statements of Financial Condition. The hedged item (fixed rate commercial loan commitment) is also recorded at fair value which offsets the adjustment to the Fair Value Hedge. On an ongoing basis, we adjust our Condensed Consolidated Statements of Financial Condition to reflect the then current fair value of both the Fair Value Hedge and the hedged item. The related gains or losses are reported in non-interest income – other in our Condensed Consolidated Statements of Operations. Certain financial derivative instruments have not been designated as hedges. The fair value of these derivative financial instruments has been recorded on our Condensed Consolidated Statements of Financial Condition and is adjusted on an ongoing basis to reflect their then current fair value. The changes in fair value of derivative financial instruments not designated as hedges are recognized in our Condensed Consolidated Statements of Operations. In the ordinary course of business, we enter into rate-lock mortgage loan commitments with customers (“Rate-Lock Commitments”). These commitments expose us to interest rate risk. We also enter into mandatory commitments to sell mortgage loans (“Mandatory Commitments”) to reduce the impact of price fluctuations of mortgage loans held for sale and Rate-Lock Commitments. Mandatory Commitments help protect our loan sale profit margin from fluctuations in interest rates. The changes in the fair value of Rate-Lock Commitments and Mandatory Commitments are recognized currently as part of net gains on mortgage loans in our Condensed Consolidated Statements of Operations. We obtain market prices on Mandatory Commitments and Rate-Lock Commitments. Net gains on mortgage loans, as well as net income may be more volatile as a result of these derivative instruments, which are not designated as hedges. In prior periods we offered to our deposit customers an equity linked time deposit product (“Altitude CD”). The Altitude CD was a time deposit that provides the customer a guaranteed return of principal at maturity plus a potential equity return (a written option), while we receive a like stream of funds based on the equity return (a purchased option). The written and purchased options will generally move in opposite directions resulting in little or no net impact on our Condensed Consolidated Statements of Operations. All of the written and purchased options in the table above relate to this Altitude CD product. We have a program that allows commercial loan customers to lock in a fixed rate for a longer period of time than we would normally offer for interest rate risk reasons. We will enter into a variable rate commercial loan and an interest rate swap agreement with a customer and then enter into an offsetting interest rate swap agreement with an unrelated party. The interest rate swap agreement fair values will generally move in opposite directions resulting in little or no net impact on our Condensed Consolidated Statements of Operations. All of the interest rate swap agreements noted as commercial in the table above with no hedge designation relate to this program. The following tables illustrate the impact that the derivative financial instruments discussed above have on individual line items in the Condensed Consolidated Statements of Financial Condition for the periods presented: Fair Values of Derivative Instruments Asset Derivatives Liability Derivatives March 31, 2020 December 31, 2019 March 31, 2020 December 31, 2019 Balance Sheet Location Fair Value Balance Sheet Location Fair Value Balance Sheet Location Fair Value Balance Sheet Location Fair Value (In thousands) Derivatives designated as hedging instruments Pay-fixed interest rate swap agreements Other assets $ - Other assets $ - Other liabilities $ 1,332 Other liabilities $ 416 Interest rate cap agreements Other assets - Other assets 214 Other liabilities - Other liabilities - - $ 214 1,332 $ 416 Derivatives not designated as hedging instruments Rate-lock mortgage loan commitments Other assets 5,732 Other assets $ 1,412 Other liabilities - Other liabilities $ - Mandatory commitments to sell mortgage loans Other assets - Other assets - Other liabilities 2,104 Other liabilities 150 Pay-fixed interest rate swap agreements -commercial Other assets - Other assets 28 Other liabilities 11,814 Other liabilities 3,669 Pay-variable interest rate swap agreements -commercial Other assets 11,814 Other assets 3,669 Other liabilities - Other liabilities 28 Interest rate cap agreements Other assets 27 Other assets - Other liabilities - Other liabilities - Purchased options Other assets 37 Other assets 141 Other liabilities - Other liabilities - Written options Other assets - Other assets - Other liabilities 36 Other liabilities 139 17,610 5,250 13,954 3,986 Total derivatives $ 17,610 $ 5,464 $ 15,286 $ 4,402 The effect of derivative financial instruments on the Condensed Consolidated Statements of Operations follows: Three Month Periods Ended March 31, Gain (Loss) Recognized in Other Comprehensive Income (Loss) (Effective Portion) Location of Gain Reclassified from Accumulated Other Comprehensive Loss into Income (Effective Gain Reclassified from Accumulated Other Comprehensive Loss into Income (Effective Portion) Location of Gain (Loss) Recognized Gain (Loss) Recognized in Income 2020 2019 Portion) 2020 2019 in Income 2020 2019 (In thousands) Fair Value Hedges Pay-fixed interest rate swap agreements Non-interest income-other $ (546 ) $ - Cash Flow Hedges Interest rate cap agreements $ (14 ) $ (785 ) Interest expense $ (53 ) $ 118 Interest expense $ - $ - Pay-fixed interest rate swap agreements (392 ) (127 ) Interest expense (22 ) 31 Interest expense - - Total $ (406 ) $ (912 ) $ (75 ) $ 149 $ - $ - No hedge designation Rate-lock mortgage loan commitments Net gains on mortgage loans $ 4,320 $ 629 Mandatory commitments to sell mortgage loans Net gains on mortgage loans (1,954 ) 174 Pay-fixed interest rate swap agreements - commercial Interest income (8,173 ) (1,147 ) Pay-variable interest rate swap agreements - commercial Interest income 8,173 1,147 Interest rate cap agreements Interest expense (35 ) - Purchased options Interest expense (104 ) 86 Written options Interest expense 103 (84 ) Total $ 2,330 $ 805

Goodwill and Other Intangibles

Goodwill and Other Intangibles	3 Months Ended
	Mar. 31, 2020
Goodwill and Other Intangibles [Abstract]
Goodwill and other Intangibles	7. Goodwill and other Intangibles The following table summarizes intangible assets, net of amortization: March 31, 2020 December 31, 2019 Gross Carrying Amount Accumulated Amortization Gross Carrying Amount Accumulated Amortization (In thousands) Amortized intangible assets - core deposits $ 11,916 $ 6,845 $ 11,916 $ 6,590 Unamortized intangible assets - goodwill $ 28,300 $ 28,300 We performed our required annual goodwill impairment test as of December 31, 2019 and there was impairment. During the first quarter of 2020 the stock market in general as well as our market capitalization declined as a result of events surrounding the current COVID-19 pandemic outbreak. As such we do not believe that it is more likely than not a goodwill impairment exists at March 31, 2020. See note 13, Contingencies, for additional information on COVID-19 and its potential impact to us. A summary of estimated core deposit intangible amortization at March 31, 2020 follows: (In thousands) Nine months ending December 31, 2020 $ 765 2021 970 2022 785 2023 547 2024 516 2025 and thereafter 1,488 Total $ 5,071

Share Based Compensation

Share Based Compensation	3 Months Ended
	Mar. 31, 2020
Share Based Compensation [Abstract]
Share Based Compensation	8. Share Based Compensation We maintain share based payment plans that include a non-employee director stock purchase plan and a long-term incentive plan that permits the issuance of share based compensation, including stock options and non-vested share awards. The long-term incentive plan, which is shareholder approved, permits the grant of additional share based awards for up to 0.4 million shares of common stock as of March 31, 2020. The non-employee director stock purchase plan permits the issuance of additional share based payments for up to 0.2 million shares of common stock as of March 31, 2020. Share based awards and payments are measured at fair value at the date of grant and are expensed over the requisite service period. Common shares issued upon exercise of stock options come from currently authorized but unissued shares. A summary of restricted stock and performance stock units (“PSU”) granted pursuant to our long-term incentive plan follows: Three Months Ended 2020 2019 Restricted stock 52,996 52,716 PSU 20,897 22,016 Except for 0.002 million shares of restricted stock issued during the first quarter of 2019 that vest ratably over three years, the shares of restricted stock and PSUs shown in the above table cliff vest after a period of three years. The performance feature of the PSUs is based on a comparison of our total shareholder return over the three year period starting on the grant date to the total shareholder return over that period for a banking index of our peers. Our directors may elect to receive a portion of their quarterly cash retainer fees in the form of common stock (either on a current basis or on a deferred basis pursuant to the non-employee director stock purchase plan referenced above). Shares equal in value to that portion of each director’s fees that he or she has elected to receive in stock on a current basis are issued each quarter and vest immediately. Shares issued on a deferred basis are credited at the rate of 90% of the current value and vest immediately. Total compensation expense recognized for grants pursuant to our long-term incentive plan was $0.5 million and $0.4 million during the three month periods ended March 31, 2020 and 2019, respectively. The corresponding tax benefit relating to this expense was $0.1 million for each period. Total expense recognized for non-employee director share based payments was $0.09 million and $0.05 million during the three month periods ended March 31, 2020 and 2019, respectively. The corresponding tax benefit relating to this expense was $0.2 million and $0.01 million for each period, respectively. At March 31, 2020, the total expected compensation cost related to non-vested restricted stock and PSUs not yet recognized was $3.2 million. The weighted-average period over which this amount will be recognized is 2.4 years. A summary of outstanding stock option grants and related transactions follows: Number of Shares Average Exercise Price Weighted- Average Remaining Contractual Term (Years) Aggregated Intrinsic Value (In thousands) Outstanding at January 1, 2020 138,506 $ 4.62 Granted - Exercised (11,567 ) 3.54 Forfeited - Expired - Outstanding at March 31, 2020 126,939 $ 4.71 2.8 $ 1,044 Vested and expected to vest at March 31, 2020 126,939 $ 4.71 2.8 $ 1,044 Exercisable at March 31, 2020 126,939 $ 4.71 2.8 $ 1,044 A summary of outstanding non-vested restricted stock and PSUs and related transactions follows: Number of Shares Weighted- Average Grant Date Fair Value Outstanding at January 1, 2020 245,726 $ 21.72 Granted 73,893 22.80 Vested (64,263 ) 21.24 Forfeited (5,468 ) 23.71 Outstanding at March 31, 2020 249,888 $ 22.12 Certain information regarding options exercised during the periods follows: Three Months Ended March 31, 2020 2019 (In thousands) Intrinsic value $ 210 $ 836 Cash proceeds received $ 41 $ 695 Tax benefit realized $ 44 $ 176

Income Tax

Income Tax	3 Months Ended
	Mar. 31, 2020
Income Tax [Abstract]
Income Tax	9. Income Tax Income tax expense was $0.9 million and $2.2 million during the three month periods ended March 31, 2020 and 2019, respectively. Our actual federal income tax expense is different than the amount computed by applying our statutory income tax rate to our income before income tax primarily due to tax-exempt interest income and tax-exempt income from the increase in the cash surrender value on life insurance. In addition, the first quarters of 2020 and 2019 each include reductions of $0.2 million of income tax expense related to impact of the excess value of stock awards that vested and stock options that were exercised as compared to the initial fair values that were expensed. We assess whether a valuation allowance should be established against our deferred tax assets based on the consideration of all available evidence using a “more likely than not” standard. The ultimate realization of this asset is primarily based on generating future income. realization of substantially all of our deferred tax assets continues to be more likely than not. At both March 31, 2020 and December 31, 2019, we had approximately $0.4 million, of gross unrecognized tax benefits. We do not expect the total amount of unrecognized tax benefits to significantly increase or decrease during the balance of 2020.

Regulatory Matters

Regulatory Matters	3 Months Ended
	Mar. 31, 2020
Regulatory Matters [Abstract]
Regulatory Matters	10. Regulatory Matters Capital guidelines adopted by federal and state regulatory agencies and restrictions imposed by law limit the amount of cash dividends our Bank can pay to us. Under these guidelines, the amount of dividends that may be paid in any calendar year is limited to the Bank’s current year net profits, combined with the retained net profits of the preceding two years. Further, the Bank cannot pay a dividend at any time that it has negative undivided profits. As of March 31, 2020, the Bank had positive undivided profits of $41.6 million. It is not our intent to have dividends paid in amounts that would reduce the capital of our Bank to levels below those which we consider prudent and in accordance with guidelines of regulatory authorities. We are also subject to various regulatory capital requirements. The prompt corrective action regulations establish quantitative measures to ensure capital adequacy and require minimum amounts and ratios of total, Tier 1, and common equity Tier 1 capital to risk-weighted assets and Tier 1 capital to average assets. Failure to meet minimum capital requirements can result in certain mandatory, and possibly discretionary, actions by regulators that could have a material effect on our interim condensed consolidated financial statements. In addition, capital adequacy rules include a common equity Tier 1 capital conservation buffer of 2.5% of risk-weighted assets that applies to all supervised financial institutions. To avoid limits on capital distributions and certain discretionary bonus payments we must meet the minimum ratio for adequately capitalized institutions plus the buffer. Our actual capital amounts and ratios follow (1): Actual Minimum for Minimum for Amount Ratio Amount Ratio Amount Ratio (Dollars in thousands) March 31, 2020 Total capital to risk-weighted assets Consolidated $ 373,709 13.38 % $ 223,472 8.00 % NA NA Independent Bank 362,547 12.98 223,405 8.00 $ 279,256 10.00 % Tier 1 capital to risk-weighted assets Consolidated $ 339,553 12.16 % $ 167,604 6.00 % NA NA Independent Bank 328,391 11.76 167,554 6.00 $ 223,405 8.00 % Common equity tier 1 capital to risk-weighted assets Consolidated $ 301,304 10.79 % $ 125,703 4.50 % NA NA Independent Bank 328,391 11.76 125,665 4.50 $ 181,516 6.50 % Tier 1 capital to average assets Consolidated $ 339,553 9.63 % $ 141,089 4.00 % NA NA Independent Bank 328,391 9.31 141,099 4.00 $ 176,373 5.00 % December 31, 2019 Total capital to risk-weighted assets Consolidated $ 380,454 13.74 % $ 221,562 8.00 % NA NA Independent Bank 358,914 12.96 221,482 8.00 $ 276,852 10.00 % Tier 1 capital to risk-weighted assets Consolidated $ 352,764 12.74 % $ 166,171 6.00 % NA NA Independent Bank 331,224 11.96 166,111 6.00 $ 221,482 8.00 % Common equity tier 1 capital to risk-weighted assets Consolidated $ 314,532 11.36 % $ 124,628 4.50 % NA NA Independent Bank 331,224 11.96 124,583 4.50 $ 179,954 6.50 % Tier 1 capital to average assets Consolidated $ 352,764 10.11 % $ 139,632 4.00 % NA NA Independent Bank 331,224 9.49 139,615 4.00 $ 174,519 5.00 % (1) These ratios do not reflect a capital conservation buffer of 2.50% at March 31, 2020 and December 31, 2019, respectively. NA - Not applicable The components of our regulatory capital are as follows: Consolidated Independent Bank March 31, 2020 December 31, 2019 March 31, 2020 December 31, 2019 (In thousands) Total shareholders’ equity $ 335,618 $ 350,169 $ 362,705 $ 366,861 Add (deduct) Accumulated other comprehensive (income) loss for regulatory purposes (943 ) (2,011 ) (943 ) (2,011 ) Goodwill and other intangibles (33,371 ) (33,626 ) (33,371 ) (33,626 ) Disallowed deferred tax assets - - - - Common equity tier 1 capital 301,304 314,532 328,391 331,224 Qualifying trust preferred securities 38,249 38,232 - - Tier 1 capital 339,553 352,764 328,391 331,224 Allowance for loan losses and allowance for unfunded lending commitments limited to 1.25% of total risk-weighted assets 32,664 27,690 34,156 27,690 Total risk-based capital $ 373,396 $ 380,454 $ 362,547 $ 358,914

Fair Value Disclosures

Fair Value Disclosures	3 Months Ended
	Mar. 31, 2020
Fair Value Disclosures [Abstract]
Fair Value Disclosures	11. Fair Value Disclosures FASB ASC topic 820 defines fair value as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. FASB ASC topic 820 also establishes a fair value hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The standard describes three levels of inputs that may be used to measure fair value: Level 1: Valuation is based upon quoted prices for identical instruments traded in active markets. Level 1 instruments include securities traded on active exchange markets, such as the New York Stock Exchange, as well as U.S. Treasury securities that are traded by dealers or brokers in active over-the-counter markets. Level 2: Valuation is based upon quoted prices for similar instruments in active markets, quoted prices for identical or similar instruments in markets that are not active, and model-based valuation techniques for which all significant assumptions are observable in the market. Level 2 instruments include securities traded in less active dealer or broker markets. Level 3: Valuation is generated from model-based techniques that use at least one significant assumption not observable in the market. These unobservable assumptions reflect estimates of assumptions that market participants would use in pricing the asset or liability. Valuation techniques include use of option pricing models, discounted cash flow models and similar techniques. We used the following methods and significant assumptions to estimate fair value: Securities obligations of states and political subdivisions Loans held for sale The fair value of mortgage loans held for sale, carried at fair value is based on agency cash window loan pricing for comparable assets (recurring Level 2) Impaired loans with specific loss allocations based on collateral value From time to time, certain loans are considered impaired and an allowance for loan losses is established. Loans for which it is probable that payment of interest and principal will not be made in accordance with the contractual terms of the loan agreement are considered impaired. When the fair value of the collateral is based on an appraised value or when an appraised value is not available we record the impaired loan as nonrecurring Level 3 Other real estate At the time of acquisition, other real estate is recorded at fair value, less estimated costs to sell, which becomes the property’s new basis. Subsequent write-downs to reflect declines in value since the time of acquisition may occur from time to time and are recorded in net (gains) losses on other real estate and repossessed assets, which is part of non-interest expense - other in the Condensed Consolidated Statements of Operations. The fair value of the property used at and subsequent to the time of acquisition is typically determined by a third party appraisal of the property. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the independent appraisers to adjust for differences between the comparable sales and income data available. Such adjustments can be significant and typically result in a Level 3 classification of the inputs for determining fair value. Appraisals for both collateral-dependent impaired loans and other real estate are performed by certified general appraisers (for commercial properties) or certified residential appraisers (for residential properties) whose qualifications and licenses have been reviewed and verified by us. Once received, an independent third party, or a member of our Collateral Evaluation Department (for commercial properties), or a member of our Special (for residential properties) reviews the assumptions and approaches utilized in the appraisal as well as the overall resulting fair value in comparison with independent data sources such as recent market data or industry-wide statistics. We compare the actual selling price of collateral that has been sold to the most recent appraised value of our properties to determine what additional adjustment, if any, should be made to the appraisal value to arrive at fair value. For commercial and residential properties we typically discount an appraisal to account for various factors that the appraisal excludes in its assumptions. These additional discounts generally do not result in material adjustments to the appraised value. Capitalized mortgage loan servicing rights Derivatives The fair value of rate-lock mortgage loan commitments is based on agency cash window loan pricing for comparable assets and the fair value of mandatory commitments to sell mortgage loans is based on mortgage backed security pricing for comparable assets (recurring Level 2). The fair value of interest rate swap and interest rate cap agreements are derived from proprietary models which utilize current market data. The significant fair value inputs can generally be observed in the market place and do not typically involve judgment by management (recurring Level 2). The fair value of purchased and written options is based on prices of financial instruments with similar characteristics and do not typically involve judgment by management (recurring Level 2). Assets and liabilities measured at fair value, including financial assets for which we have elected the fair value option, were as follows: Fair Value Measurements Using Fair Value Measure- ments Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Un- observable Inputs (Level 3) (In thousands) March 31, 2020: Measured at Fair Value on a Recurring Basis Assets Securities available for sale U.S. agency $ 12,828 $ - $ 12,828 $ - U.S. agency residential mortgage-backed 221,829 - 221,829 - U.S. agency commercial mortgage-backed 9,916 - 9,916 - Private label mortgage-backed 37,071 - 37,071 - Other asset backed 103,881 - 103,881 - Obligations of states and political subdivisions 163,941 - 163,941 - Corporate 42,811 - 42,811 - Trust preferred 1,491 - 1,491 - Foreign government 516 - 516 - Loans held for sale, carried at fair value 64,549 - 64,549 - Capitalized mortgage loan servicing rights 14,829 - - 14,829 Derivatives (1) 17,610 - 17,610 - Liabilities Derivatives (2) 15,286 - 15,286 - Measured at Fair Value on a Non-recurring Basis: Assets Impaired loans (3) Commercial Commercial and industrial 1,720 - - 1,720 Commercial real estate 12,747 - - 12,747 Mortgage 1-4 family owner occupied - jumbo 930 - - 930 1-4 family owner occupied - non-jumbo 236 - - 236 1-4 family non-owner occupied 189 - - 189 1-4 family - 2nd lien 353 - - 353 Resort lending 173 - - 173 Installment Boat lending 49 - - 49 Recreational vehicle lending 54 - - 54 Other 151 - - 151 Other real estate (4) Commercial real estate 474 474 - - Mortgage - 1-4 family owner occupied - non-jumbo 25 - - 25 (1) Included in accrued income and other assets (2) Included in accrued expenses and other liabilities (3) Only includes impaired loans with specific loss allocations based on collateral value. (4) Only includes other real estate with subsequent write downs to fair value. The fair value of the commercial real estate property included in this table was based on a purchase agreement that is expected to close during the second quarter of 2020. Fair Value Measurements Using Fair Value Measure- ments Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Un- observable Inputs (Level 3) (In thousands) December 31, 2019: Measured at Fair Value on a Recurring Basis Assets Securities available for sale U.S. agency $ 14,661 $ - $ 14,661 $ - U.S. agency residential mortgage-backed 227,762 - 227,762 - U.S. agency commercial mortgage-backed 10,756 - 10,756 - Private label mortgage-backed 39,693 - 39,693 - Other asset backed 93,886 - 93,886 - Obligations of states and political subdivisions 96,102 - 96,102 - Corporate 33,195 - 33,195 - Trust preferred 1,843 - 1,843 - Foreign government 502 - 502 - Loans held for sale, carried at fair value 69,800 - 69,800 - Capitalized mortgage loan servicing rights 19,171 - - 19,171 Derivatives (1) 5,464 - 5,464 - Liabilities Derivatives (2) 4,402 - 4,402 - Measured at Fair Value on a Non-recurring Basis: Assets Impaired loans (3) Commercial Commercial and industrial 655 - - 655 Commercial real estate 316 - - 316 Mortgage 1-4 family owner occupied - jumbo 987 - - 987 1-4 family owner occupied - non-jumbo 470 - - 470 1-4 family non-owner occupied 281 - - 281 1-4 family - 2nd lien 294 - - 294 Resort lending 245 - - 245 Installment Boat lending 67 - - 67 Recreational vehicle lending 2 - - 2 Other 121 - - 121 Other real estate (4) Mortgage - 1-4 family owner occupied - non-jumbo 31 - - 31 Installment - other 28 - - 28 (1) Included in accrued income and other assets (2) Included in accrued expenses and other liabilities (3) Only includes impaired loans with specific loss allocations based on collateral value. (4) Only includes other real estate with subsequent write downs to fair value. Changes in fair values for financial assets which we have elected the fair value option for the periods presented were as follows: Changes in Fair Values for the Three-Month Periods Ended March 31 for Items Measured at Fair Value Pursuant to Election of the Fair Value Option Net Gains (Losses) on Assets Mortgage Total Change in Fair Values Included in Current Securities Mortgage Loans Loan Servicing, net Period Earnings (In thousands) 2020 Loans held for sale - 523 - 523 Capitalized mortgage loan servicing rights - - (6,974 ) (6,974 ) 2019 Equity securities at fair value $ 167 $ - $ - $ 167 Loans held for sale - 96 - 96 Capitalized mortgage loan servicing rights - - (2,691 ) (2,691 ) For those items measured at fair value pursuant to our election of the fair value option, interest income is recorded within the Condensed Consolidated Statements of Operations based on the contractual amount of interest income earned on these financial assets and dividend income is recorded based on cash dividends received. The following represent impairment charges recognized during the three month periods ended March 31, 2020 and 2019 relating to assets measured at fair value on a non-recurring basis: • Loans which are measured for impairment using the fair value of collateral for collateral dependent loans had a carrying amount of $16.6 million, which is net of a valuation allowance of $4.1 million at March 31, 2020, and had a carrying amount of $3.4 million, which is net of a valuation allowance of $1.5 million at December 31, 2019. The provision for loan losses included in our results of operations relating to impaired loans was an expense of $2.4 million and $0.5 million during the three month periods ended March 31, 2020 and 2019, respectively. • Other real estate, which is measured using the fair value of the property, had a carrying amount of $0.50 million which is net of a valuation allowance of $0.16 million at March 31, 2020, and a carrying amount of $0.06 million which is net of a valuation allowance of $0.09 million, at December 31, 2019. A reconciliation for all assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) follows: Capitalized Mortgage Loan Servicing Rights Three Months Ended March 31, 2020 2019 (In thousands) Beginning balance $ 19,171 $ 21,400 Total gains (losses) realized and unrealized: Included in results of operations (6,974 ) (2,691 ) Included in other comprehensive income (loss) - - Purchases, issuances, settlements, maturities and calls 2,632 1,200 Transfers in and/or out of Level 3 - - Ending balance $ 14,829 $ 19,909 Amount of total gains (losses) for the period included in earnings attributable to the change in unrealized gains (losses) relating to assets and liabilities still held at March 31 $ (6,974 ) $ (2,691 ) The fair value of our capitalized mortgage loan servicing rights has been determined based on a valuation model used by an independent third party Asset Fair Value Valuation Technique Unobservable Inputs Range Weighted Average (In thousands) March 31, 2020 Capitalized mortgage loan servicing rights $ 14,829 Present value of net Discount rate 10.00% to 13.00 % 10.13 % servicing revenue Cost to service $ 72 to $201 $ 81 Ancillary income 20 to 37 22 Float rate 0.52 % 0.52 % Prepayment rate 7.02% to 34.00 % 19.65 % December 31, 2019 Capitalized mortgage loan servicing rights $ 19,171 Present value of net Discount rate 10.00% to 13.00 % 10.14 % servicing revenue Cost to service $ 66 to $316 $ 81 Ancillary income 20 to 37 22 Float rate 1.73 % 1.73 % Prepayment rate 7.01% to 69.34 % 14.96 Quantitative information about Level 3 fair value measurements measured on a non-recurring basis follows: Asset Fair Value Valuation Technique Unobservable Inputs Range Weighted Average (In thousands) March 31, 2020 Impaired loans Commercial $ 14,467 Sales comparison approach Adjustment for differences between comparable sales (48.0)% to 35.0 % 0.5 % Income approach Capitalization rate 7.75% to 11.0 8.7 Mortgage and Installment(1) 2,135 Sales comparison approach Adjustment for differences between comparable sales (13.0) to 49.2 14.0 Other real estate Mortgage 25 Sales comparison approach Adjustment for differences between comparable sales (16.1) to 10.6 (4.2 ) December 31, 2019 Impaired loans Commercial $ 971 Sales comparison approach Adjustment for differences between comparable sales (48.0)% to 19.2 % (5.6 )% Mortgage and Installment(1) 2,467 Sales comparison approach Adjustment for differences between comparable sales (25.2)% to 49.2 11.5 Other real estate Mortgage and Installment 59 Sales comparison approach Adjustment for differences between comparable sales (11.6)% to 5.0 (5.1 ) (1) In addition to the valuation techniques and unobservable inputs discussed above, at March 31, 2020 and December 31, 2019 certain impaired collateral dependent installment loans totaling approximately $0.25 million and $0.14 million, respectively are secured by collateral other than real estate. For the majority of these loans, we apply internal discount rates to industry valuation guides. The following table reflects the difference between the aggregate fair value and the aggregate remaining contractual principal balance outstanding for loans held for sale for which the fair value option has been elected for the periods presented. Aggregate Fair Value Difference Contractual Principal (In thousands) Loans held for sale March 31, 2020 $ 64,549 $ 2,417 $ 62,132 December 31, 2019 69,800 1,894 67,906

Fair Values of Financial Instru

Fair Values of Financial Instruments	3 Months Ended
	Mar. 31, 2020
Fair Values of Financial Instruments [Abstract]
Fair Values of Financial Instruments	12. Fair Values of Financial Instruments Most of our assets and liabilities are considered financial instruments. Many of these financial instruments lack an available trading market and it is our general practice and intent to hold the majority of our financial instruments to maturity. Significant estimates and assumptions were used to determine the fair value of financial instruments. These estimates are subjective in nature, involving uncertainties and matters of judgment, and therefore, fair values may not be a precise estimate. Changes in assumptions could significantly affect the estimates. Estimated fair values have been determined using available data and methodologies that are considered suitable for each category of financial instrument. For instruments with adjustable interest rates which reprice frequently and without significant credit risk, it is presumed that estimated fair values approximate the recorded book balances. The estimated recorded book balances and fair values follow: Fair Value Using Recorded Book Balance Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Un- observable Inputs (Level 3) (In thousands) March 31, 2020 Assets Cash and due from banks $ 48,753 $ 48,753 $ 48,753 $ - $ - Interest bearing deposits 21,538 21,538 21,538 - - Securities available for sale 594,284 594,284 - 594,284 - Federal Home Loan Bank and Federal Reserve Bank Stock 18,359 NA NA NA NA Net loans and loans held for sale 2,750,169 2,645,319 - 64,549 2,580,770 Accrued interest receivable 10,519 10,519 - 2,583 7,936 Derivative financial instruments 17,610 17,610 - 17,610 - Liabilities Deposits with no stated maturity (1) $ 2,529,503 $ 2,529,503 $ 2,529,503 $ - $ - Deposits with stated maturity (1) 554,061 555,820 - 555,820 - Other borrowings 101,954 103,755 - 103,755 - Subordinated debentures 39,473 25,619 - 25,619 - Accrued interest payable 1,195 1,195 37 1,158 - Derivative financial instruments 15,286 15,286 - 15,286 - December 31, 2019 Assets Cash and due from banks $ 53,295 $ 53,295 $ 53,295 $ - $ - Interest bearing deposits 12,009 12,009 12,009 - - Interest bearing deposits - time 350 350 - 350 - Securities available for sale 518,400 518,400 - 518,400 - Federal Home Loan Bank and Federal Reserve Bank Stock 18,359 NA NA NA NA Net loans and loans held for sale 2,768,675 2,768,817 - 69,800 2,699,017 Accrued interest receivable 10,108 10,108 8 1,752 8,348 Derivative financial instruments 5,464 5,464 - 5,464 - Liabilities Deposits with no stated maturity (1) $ 2,427,190 $ 2,427,190 $ 2,427,190 $ - $ - Deposits with stated maturity (1) 609,537 610,235 - 610,235 - Other borrowings 88,646 88,680 - 88,680 - Subordinated debentures 39,456 33,149 - 33,149 - Accrued interest payable 1,296 1,296 97 1,199 - Derivative financial instruments 4,402 4,402 - 4,402 - (1) Deposits with no stated maturity include reciprocal deposits with a recorded book balance of $424.569 million and 388.369 $ million and $ million at March 31, 2020 and December 31, 2019, respectively. The fair values for commitments to extend credit and standby letters of credit are estimated to approximate their aggregate book balance, which is nominal and therefore are not disclosed. 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 the entire holdings of a particular financial instrument. Fair value estimates are based on existing on- and off-balance sheet financial instruments without attempting to estimate the value of anticipated future business, the value of future earnings attributable to off-balance sheet activities and the value of assets and liabilities that are not considered financial instruments. Fair value estimates for deposit accounts do not include the value of the core deposit intangible asset resulting from the low-cost funding provided by the deposit liabilities compared to the cost of borrowing funds in the market.

Contingencies

Contingencies	3 Months Ended
	Mar. 31, 2020
Contingencies [Abstract]
Contingencies	13. Contingencies On March 11, 2020, the World Health Organization declared COVID-19, the disease caused by the novel coronavirus, a pandemic as a result of the global spread of the coronavirus illness. In response to the outbreak, federal and state authorities in the U.S. introduced various measures to try to limit or slow the spread of the virus, including travel restrictions, nonessential business closures, stay-at-home orders, and strict social distancing. T The COVID-19 pandemic and related executive orders and federal government pandemic response guidance has had and continues to have a significant effect on us, our customers and the markets we serve. Our business, results of operations and financial condition may be adversely affected by a number of factors that could impact us and our customers, including but not limited to: ∙ restrictions on activity and high levels of unemployment may cause increases in loan delinquencies, foreclosures and defaults; ∙ increases in allowance for loan losses may be necessary; ∙ declines in collateral values may occur; ∙ third party disruptions, including outages at network providers, on-line banking vendors and other suppliers; ∙ increased cyber and payment fraud risk, as cybercriminals attempt to profit from the disruption, given increased online and remote activity; ∙ operational failures due to changes in our normal business practices necessitated by the pandemic and related governmental actions; and/or ∙ key personnel or significant numbers of our employees being unable to work effectively, including because of illness or restrictions in connection with COVID-19. These factors may continue for a significant period of time. The extent to which the COVID-19 pandemic will impact our business, results of operations and financial condition will depend on future developments, which are highly uncertain and difficult to predict. Those developments and factors include, the duration and spread of the pandemic, its severity, the actions to contain the pandemic or address its impact, and how quickly and to what extent normal economic and operating conditions can resume. We do not yet know the full extent of the impact. However, the effects could have a material adverse impact on our business, asset valuations, financial condition and results of operations. Material adverse impacts may include all or a combination of valuation impairments on our intangible assets, securities available for sale, loans, capitalized mortgage loan servicing rights or deferred tax assets. We are involved in various litigation matters in the ordinary course of business. At the present time, we do not believe any of these matters will have a significant impact on our consolidated financial position or results of operations. The aggregate amount we have accrued for losses we consider probable as a result of these litigation matters is immaterial. However, because of the inherent uncertainty of outcomes from any litigation matter, we believe it is reasonably possible we may incur losses in addition to the amounts we have accrued. At this time, we estimate the maximum amount of additional losses that are reasonably possible is insignificant. However, because of a number of factors, including the fact that certain of these litigation matters are still in their early stages, this maximum amount may change in the future. The litigation matters described in the preceding paragraph primarily include claims that have been brought against us for damages, but do not include litigation matters where we seek to collect amounts owed to us by third parties (such as litigation initiated to collect delinquent loans). These excluded, collection-related matters may involve claims or counterclaims by the opposing party or parties, but we have excluded such matters from the disclosure contained in the preceding paragraph in all cases where we believe the possibility of us paying damages to any opposing party is remote. The provision for loss reimbursement on sold loans represents our estimate of incurred losses related to mortgage loans that we have sold to investors (primarily Fannie Mae, Freddie Mac, Ginnie Mae and the Federal Home Loan Bank of Indianapolis). Since we sell mortgage loans without recourse, loss reimbursements only occur in those instances where we have breached a representation or warranty or other contractual requirement related to the loan sale. The provision for loss reimbursement on sold loans was an expense of $0.04 million and $0.11 million for the three month periods ended March 31, 2020 and 2019, respectively. The reserve for loss reimbursements on sold mortgage loans totaled $0.92 million and $0.88 million at March 31, 2020 and December 31, 2019, respectively. This reserve is included in accrued expenses and other liabilities in our Condensed Consolidated Statements of Financial Condition. This reserve is based on an analysis of mortgage loans that we have sold which are further categorized by delinquency status, loan to value, and year of origination. The calculation includes factors such as probability of default, probability of loss reimbursement (breach of representation or warranty) and estimated loss severity. We believe that the amounts that we have accrued for incurred losses on sold mortgage loans are appropriate given our analyses. However, future losses could exceed our current estimate. We own 12,566 shares of VISA Class B common stock. At the present time, these shares can only be sold to other Class B shareholders. As a result, there has generally been limited transfer activity in private transactions between buyers and sellers. Given the limited activity that we have become aware of and the continuing uncertainty regarding the likelihood, ultimate timing and eventual exchange rate for Class B shares into Class A shares, we continue to carry these shares at zero, representing cost basis less impairment. However, given the current conversion ratio of 1.6228 to Class A shares and the closing price of VISA Class A shares on April 17, 2020 of $169.54 per share, our 12,566 Class B shares would have a current “value” of approximately $3.5 million. We continue to monitor Class B trading activity and the status of the resolution of certain litigation matters at VISA that would trigger the conversion of Class B common shares into Class A common shares that would have no trading restrictions.

Accumulated Other Comprehensive

Accumulated Other Comprehensive Loss ("AOCL")	3 Months Ended
	Mar. 31, 2020
Accumulated Other Comprehensive Loss ("AOCL") [Abstract]
Accumulated Other Comprehensive Loss ("AOCL")	14. Accumulated Other Comprehensive Loss (“AOCL”) A summary of changes in AOCL follows: Unrealized Gains (Losses) on Securities Available for Sale Dispropor- tionate Tax Effects from Securities Available for Sale Unrealized Losses on Cash Flow Hedges Total (In thousands) For the three months ended March 31, 2020 Balances at beginning of period $ 3,739 $ (5,798 ) $ (1,727 ) $ (3,786 ) Other comprehensive income (loss) before reclassifications (606 ) - (321 ) (927 ) Amounts reclassified from AOCL (200 ) - 59 (141 ) Net current period other comprehensive income (loss) (806 ) - (262 ) (1,068 ) Balances at end of period $ 2,933 $ (5,798 ) $ (1,989 ) $ (4,854 ) 2019 Balances at beginning of period $ (4,185 ) $ (5,798 ) $ (125 ) $ (10,108 ) Other comprehensive income (loss) before reclassifications 4,236 - (719 ) 3,517 Amounts reclassified from AOCL (108 ) - (118 ) (226 ) Net current period other comprehensive income (loss) 4,128 - (837 ) 3,291 Balances at end of period $ (57 ) $ (5,798 ) $ (962 ) $ (6,817 ) The disproportionate tax effects from securities available for sale arose due to tax effects of other comprehensive income (“OCI”) in the presence of a valuation allowance against our deferred tax assets and a pretax loss from operations. Generally, the amount of income tax expense or benefit allocated to operations is determined without regard to the tax effects of other categories of income or loss, such as OCI. However, an exception to the general rule is provided when, in the presence of a valuation allowance against deferred tax assets, there is a pretax loss from operations and pretax income from other categories in the current period. In such instances, income from other categories must offset the current loss from operations, the tax benefit of such offset being reflected in operations. Release of material disproportionate tax effects from other comprehensive income to earnings is done by the portfolio method whereby the effects will remain in AOCL as long as we carry a more than inconsequential portfolio of securities available for sale. A summary of reclassifications out of each component of AOCL for the three months ended March 31 follows: AOCL Component Amount Reclassified From AOCL Affected Line Item in Condensed Consolidated Statements of Operations (In thousands) 2020 Unrealized gains (losses) on securities available for sale $ 253 Net gains (losses) on securities - Net impairment loss recognized in earnings 253 Total reclassifications before tax 53 Income tax expense $ 200 Reclassifications, net of tax Unrealized losses on cash flow hedges $ 75 Interest expense 16 Income tax expense $ 59 Reclassification, net of tax $ 141 Total reclassifications for the period, net of tax 2019 Unrealized gains (losses) on securities available for sale $ 137 Net gains (losses) on securities - Net impairment loss recognized in earnings 137 Total reclassifications before tax 29 Income tax expense $ 108 Reclassifications, net of tax Unrealized losses on cash flow hedges $ (149 ) Interest expense (31 ) Income tax expense $ (118 ) Reclassification, net of tax $ 226 Total reclassifications for the period, net of tax

Revenue from Contracts with Cus

Revenue from Contracts with Customers	3 Months Ended
	Mar. 31, 2020
Revenue from Contracts with Customers [Abstract]
Revenue from Contracts with Customers	15. Revenue from Contracts with Customers We account for revenue in accordance with ASC Topic 606, Revenue from Contracts with Customers. We derive the majority of our revenue from financial instruments and their related contractual rights and obligations which for the most part are excluded from the scope of this topic. These sources of revenue that are excluded from the scope of this topic include interest income, net gains on mortgage loans, net gains (losses) on securities, mortgage loan servicing, net and bank owned life insurance and were approximately 85.1% and 84.9% of total revenues for the three month periods ending March 31, 2020 and 2019, respectively. Material sources of revenue that are included in the scope of this topic include service charges on deposit accounts, other deposit related income, interchange income and investment and insurance commissions and are discussed in the following paragraphs. Generally these sources of revenue are earned at the time the service is delivered or over the course of a monthly period and do not result in any contract asset or liability balance at any given period end. As a result, there were no contract assets or liabilities recorded as of March 31, 2020 and December 31, 2019. Service charges on deposit accounts and other deposit related income : Interchange income: Investment and insurance commissions: Net (gains) losses on other real estate and repossessed assets: Disaggregation of our revenue sources by attribute follows: Three months ending March 31, 2020 Service Charges on Deposit Accounts Other Deposit Related Income Interchange Income Investment and Insurance Commissions Total (In thousands) Retail Overdraft fees $ 1,740 $ - $ - $ - $ 1,740 Account service charges 506 - - - 506 ATM fees - 300 - - 300 Other - 236 - - 236 Business Overdraft fees 345 - - - 345 ATM fees - 7 - - 7 Other - 90 - - 90 Interchange income - - 2,457 - 2,457 Asset management revenue - - - 313 313 Transaction based revenue - - - 200 200 Total $ 2,591 $ 633 $ 2,457 $ 513 $ 6,194 Reconciliation to Condensed Consolidated Statement of Operations: Non-interest income - other: Other deposit related income $ 633 Investment and insurance commissions 513 Bank owned life insurance 270 Other 747 Total $ 2,163 Three months ending March 31, 2019 Service Charges on Deposit Accounts Other Deposit Related Income Interchange Income Investment and Insurance Commissions Total (In thousands) Retail Overdraft fees $ 1,730 - - - $ 1,730 Account service charges 525 - - - 525 ATM fees - 322 - - 322 Other - 251 - - 251 Business Overdraft fees 385 - - - 385 ATM fees - 8 - - 8 Other - 129 - - 129 Interchange income - - 2,355 - 2,355 Asset management revenue - - - 254 254 Transaction based revenue - - - 43 43 Total $ 2,640 $ 710 $ 2,355 $ 297 $ 6,002 Reconciliation to Condensed Consolidated Statement of Operations: Non-interest income - other: Other deposit related income $ 710 Investment and insurance commissions 297 Bank owned life insurance 242 Other 1,015 Total $ 2,264

Leases

Leases	3 Months Ended
	Mar. 31, 2020
Leases [Abstract]
Leases	16. Leases We have entered into leases in the normal course of business primarily for office facilities, some of which include renewal options and escalation clauses. Certain leases also include both lease components (fixed payments including rent, taxes and insurance costs) and non-lease components (common area or other maintenance costs) which are accounted for as a single lease component as we have elected the practical expedient to group lease and non-lease components together for all leases. We have also elected not to recognize leases with original lease terms of 12 months or less (short-term leases) on our Condensed Consolidated Statements of Financial Condition Leases are classified as operating or finance leases at the lease commencement date (we did not have any finance leases as of March 31, 2020). Lease expense for operating leases and short-term leases is recognized on a straight-line basis over the lease term. The ROU assets represent our right to use an underlying asset for the lease term and lease liabilities represent our obligation to make lease payments arising from the lease. ROU assets and lease liabilities are recognized at the lease commencement date based on the estimated present value of the lease payment over the lease term. As most of our leases do not provide an implicit rate, we use our incremental borrowing rate based on the information available at the lease commencement date in determining the present value of the lease payments. The cost components of our operating leases follows: Three Months Ended March 31, 2020 2019 (In thousands) Operating lease cost $ 486 $ 564 Variable lease cost 15 23 Short-term lease cost 7 5 Total $ 508 $ 592 Variable lease costs consist primarily of taxes, insurance, and common area or other maintenance costs for our leased facilities. Supplemental balance sheet information related to our operating leases follows: March 31, 2020 December 31, 2019 (Dollars in thousands) Lease right of use asset (1) $ 7,968 $ 8,282 Lease liabilities (2) $ 8,002 $ 8,304 Weighted average remaining lease term (years) 7.30 7.47 Weighted average discount rate 2.7 % 2.8 % (1) Included in Accrued income and other assets in our Consolidated Statements of Financial Condition. (2) Included in Accrued expenses and other liabilities in our Consolidated Statements of Financial Condition. Maturity analysis of our lease liabilities at March 31, 2020 based on required contractual payments follows: (In thousands) Nine months ending December 31, 2020 $ 1,228 2021 1,446 2022 1,341 2023 1,186 2024 802 2025 and thereafter 2,840 Total lease payments 8,843 Less imputed interest (841 ) Total $ 8,002

New Accounting Standards (Polic

New Accounting Standards (Policies)	3 Months Ended
	Mar. 31, 2020
New Accounting Standards [Abstract]
New Accounting Standards	In June 2016, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2016-13, ‘‘Financial Instruments — Credit Losses (Topic 326), Measurement of Credit Losses on Financial Instruments’’. This ASU significantly changes how entities will measure credit losses for most financial assets and certain other instruments that are not measured at fair value through net income. This ASU: • Replaces the existing incurred loss impairment guidance and establishes a single allowance framework for financial assets carried at amortized cost, which will reflect our estimate of credit losses over the full remaining expected life of the financial assets and will consider expected future changes in macroeconomic conditions. • Eliminates existing guidance for purchase credit impaired (‘‘PCI’’) loans, and requires recognition of the nonaccretable difference as an increase to the allowance for expected credit losses on financial assets purchased with more than insignificant credit deterioration since origination, which will be offset by an increase in the recorded investment of the related loans. • Requires inclusion of expected recoveries, limited to the cumulative amount of prior write-offs, when estimating the allowance for credit losses for in scope financial assets (including collateral dependent assets). • Amends existing impairment guidance for securities available for sale to incorporate an allowance, which will allow for reversals of credit impairments in the event that the credit of an issuer improves. Credit losses on securities available for sale are limited to the amount of the decline in fair value regardless of what the credit loss model would show for impairment. • Generally requires a cumulative-effect adjustment to retained earnings as of the beginning of the reporting period of adoption. We began evaluating this ASU in 2016 and established a company-wide, cross-discipline governance structure, which provides implementation oversight. We continued to test and refine our current expected credit loss models that satisfied the requirements of this ASU. Oversight and testing, as well as efforts to meet expanded disclosure requirements, extended through the end of 2019. We currently estimate losses over approximately a two year forecast period using the Federal Open Market Committee median economic projections as well as considering other economic forecast sources, and then revert to longer term historical loss experience to estimate losses over more extended periods. We were originally required to adopt this ASU on January 1, 2020 but section 4014 of the Coronavirus Aid, Relief, and Economic Security (“CARES”) Act allows for temporary relief from applying this ASU. Under the CARES Act we may delay the adoption of this ASU until the earlier of the termination of the national emergency that President Trump declared on March 13, 2020, or December 31, 2020. As such, we have chosen to delay the adoption of this ASU and continue to utilize the existing incurred loss impairment methodology to calculate our allowance for loan losses and our provision for loan losses as required under Accounting Standards Codification 310 (Receivables). When we adopt this ASU as required under the CARES act we will do so retrospectively to January 1, 2020. We expect to recognize a one-time cumulative effect adjustment at January 1, 2020 increasing the allowance for loan losses. We are estimating an increase to the allowance for loan losses at that time to be in the range of $8.0 million to $10.0 million primarily driven by the longer contractual maturities of our mortgage and consumer installment loan segments. In addition, we currently expect this ASU to increase the allowance for losses related to unfunded loan commitments between $1.0 million and $2.0 million. The ultimate impact of adopting this ASU, and at each subsequent reporting period, is highly dependent on credit quality, economic forecasts and conditions, composition of our loan portfolios and securities available for sale, along with other management judgements. The transition adjustment to record the allowance for credit losses may fall outside of our estimated increase based on the finalization of assumptions including qualitative adjustments and the economic forecast used in calculating the allowance for credit losses upon the adoption of CECL. We do not expect a material allowance for credit losses to be recorded on securities available for sale upon adoption of this ASU. 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’’. This new ASU amends disclosure requirements in Topic 820 to eliminate, add and modify certain disclosure requirements for fair value measurements as part of its disclosure framework project. The amended guidance eliminates the requirements to disclose the amount of and reasons for transfers between Level 1 and Level 2 of the fair value hierarchy, the entity’s policy for the timing of transfers between levels of the fair value hierarchy and the entity’s valuation processes for Level 3 fair value measurements. The amended guidance adds the requirements to disclose the changes in unrealized gains and losses for the period included in other comprehensive income (loss) for recurring Level 3 fair value measurements of instruments held at the end of the reporting period and for recurring and nonrecurring Level 3 fair value measurements, the range and weighted average used to develop significant unobservable inputs and how the weighted average was calculated, with certain exceptions. This amended guidance was effective for us on January 1, 2020, and did not have a material impact on our consolidated operating results or financial condition. In March 2020, the FASB issued ASU 2020-04, ‘‘Reference Rate Reform (Topic 848), Facilitation of the Effects of Reference Rate Reform on Financial Reporting’’. This new ASU provides temporary optional expedients and exceptions to GAAP guidance on contract modifications and hedge accounting to ease the financial reporting burdens of the expected market transition from LIBOR and other interbank offered rates to alternative reference rates. Entities can elect not to apply certain modification accounting requirements to contracts affected by reference rate reform, if certain criteria are met. Entities that make such elections would not have to remeasure contracts at the modification date or reassess a previous accounting determination. Entities can elect various optional expedients that would allow them to continue applying hedge accounting for hedging relationships affected by reference rate reform, if certain criteria are met. This amended guidance and our ability to elect its temporary optional expedients and exceptions are effective for us as of March 12, 2020 through December 31, 2022.

Securities (Tables)

Securities (Tables)	3 Months Ended
	Mar. 31, 2020
Securities [Abstract]
Securities Available for Sale	Securities available for sale consist of the following: Amortized Unrealized Cost Gains Losses Fair Value (In thousands) March 31, 2020 U.S. agency $ 12,648 $ 207 $ 27 $ 12,828 U.S. agency residential mortgage-backed 216,436 5,746 353 221,829 U.S. agency commercial mortgage-backed 9,665 252 1 9,916 Private label mortgage-backed 38,188 341 1,458 37,071 Other asset backed 105,971 79 2,169 103,881 Obligations of states and political subdivisions 162,805 2,477 1,341 163,941 Corporate 42,392 932 513 42,811 Trust preferred 1,968 - 477 1,491 Foreign government 499 17 - 516 Total $ 590,572 $ 10,051 $ 6,339 $ 594,284 December 31, 2019 U.S. agency $ 14,591 $ 89 $ 19 $ 14,661 U.S. agency residential mortgage-backed 226,130 1,910 278 227,762 U.S. agency commercial mortgage-backed 10,671 113 28 10,756 Private label mortgage-backed 39,248 544 99 39,693 Other asset backed 94,158 103 375 93,886 Obligations of states and political subdivisions 94,499 1,724 121 96,102 Corporate 31,904 1,296 5 33,195 Trust preferred 1,968 - 125 1,843 Foreign government 499 3 - 502 Total $ 513,668 $ 5,782 $ 1,050 $ 518,400
Investments in a Continuous Unrealized Loss Position	Our investments’ gross unrealized losses and fair values aggregated by investment type and length of time that individual securities have been at a continuous unrealized loss position follows: Less Than Twelve Months Twelve Months or More Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses (In thousands) March 31, 2020 U.S. agency $ 1,042 $ 1 $ 2,473 $ 26 $ 3,515 $ 27 U.S. agency residential mortgage-backed 37,673 289 5,166 64 42,839 353 U.S. agency commercial mortgage-backed - - 372 1 372 1 Private label mortgage-backed 22,232 1,388 358 70 22,590 1,458 Other asset backed 67,012 1,442 18,910 727 85,922 2,169 Obligations of states and political subdivisions 50,643 1,321 2,213 20 52,856 1,341 Corporate 14,556 513 - - 14,556 513 Trust preferred - - 1,491 477 1,491 477 Total $ 193,158 $ 4,954 $ 30,983 $ 1,385 $ 224,141 $ 6,339 December 31, 2019 U.S. agency $ 2,782 $ 8 $ 2,712 $ 11 $ 5,494 $ 19 U.S. agency residential mortgage-backed 56,377 126 13,551 152 69,928 278 U.S. agency commercial mortgage-backed 3,284 24 659 4 3,943 28 Private label mortgage-backed 16,387 55 343 44 16,730 99 Other asset backed 34,027 233 13,839 142 47,866 375 Obligations of states and political subdivisions 15,666 84 5,396 37 21,062 121 Corporate 2,125 5 - - 2,125 5 Trust preferred - - 1,843 125 1,843 125 Total $ 130,648 $ 535 $ 38,343 $ 515 $ 168,991 $ 1,050
Private Label Mortgage Backed Securities Below Investment Grade	At March 31, 2020, two private label mortgage-backed securities had credit related OTTI and are summarized as follows: Senior Security Super Senior Security Total (In thousands) Fair value $ 469 $ 513 $ 982 Amortized cost 490 410 900 Non-credit unrealized loss 21 - 21 Unrealized gain - 103 103 Cumulative credit related OTTI 757 457 1,214
Credit Losses Recognized in Earnings on Securities Available for Sale	A roll forward of credit losses recognized in earnings on securities available for sale follows: Three months ended March 31, 2020 2019 (In thousands) Balance at beginning of period $ 1,214 $ 1,594 Additions to credit losses on securities for which no previous OTTI was recognized - - Increases to credit losses on securities for which OTTI was previously recognized - - Balance at end of period $ 1,214 $ 1,594
Amortized Cost and Fair Value of Securities Available for Sale by Contractual Maturity	The amortized cost and fair value of securities available for sale at March 31, 2020, by contractual maturity, follow: Amortized Cost Fair Value (In thousands) Maturing within one year $ 13,075 $ 13,132 Maturing after one year but within five years 61,789 62,393 Maturing after five years but within ten years 47,654 48,967 Maturing after ten years 97,794 97,095 220,312 221,587 U.S. agency residential mortgage-backed 216,436 221,829 U.S. agency commercial mortgage-backed 9,665 9,916 Private label mortgage-backed 38,188 37,071 Other asset backed 105,971 103,881 Total $ 590,572 $ 594,284
Gains and Losses Realized on Sale of Securities Available for Sale	A summary of proceeds from the sale of securities available for sale and gains and losses for the three month periods ending March 31, follows: Realized Proceeds Gains Losses (In thousands) 2020 $ 21,743 $ 253 $ - 2019 42,236 169 32

Loans (Tables)

Loans (Tables)	3 Months Ended
	Mar. 31, 2020
Loans [Abstract]
Analysis of Allowance for Loan Losses by Portfolio Segment	An analysis of the allowance for loan losses by portfolio segment for the three months ended March 31, follows: Commercial Mortgage Installment Subjective Allocation Total (In thousands) 2020 Balance at beginning of period $ 7,922 $ 8,216 $ 1,283 $ 8,727 $ 26,148 Additions (deductions) Provision for loan losses 2,218 (508 ) 129 4,882 6,721 Recoveries credited to the allowance 108 117 174 - 399 Loans charged against the allowance (36 ) (409 ) (328 ) - (773 ) Balance at end of period $ 10,212 $ 7,416 $ 1,258 $ 13,609 $ 32,495 2019 Balance at beginning of period $ 7,090 $ 7,978 $ 895 $ 8,925 $ 24,888 Additions (deductions) Provision for loan losses 420 573 523 (852 ) 664 Recoveries credited to the allowance 127 224 217 - 568 Loans charged against the allowance (119 ) (363 ) (384 ) - (866 ) Balance at end of period $ 7,518 $ 8,412 $ 1,251 $ 8,073 $ 25,254
Allowance for Loan Losses and Recorded Investment in Loans by Portfolio Segment	Allowance for loan losses and recorded investment in loans by portfolio segment follows: Commercial Mortgage Installment Subjective Allocation Total (In thousands) March 31, 2020 Allowance for loan losses: Individually evaluated for impairment $ 3,467 $ 4,391 $ 280 $ - $ 8,138 Collectively evaluated for impairment 6,745 3,025 978 13,609 24,357 Loans acquired with deteriorated credit quality - - - - - Total ending allowance for loan losses balance $ 10,212 $ 7,416 $ 1,258 $ 13,609 $ 32,495 Loans Individually evaluated for impairment $ 18,048 $ 42,440 $ 2,813 $ 63,301 Collectively evaluated for impairment 1,164,903 1,030,996 464,633 2,660,532 Loans acquired with deteriorated credit quality 1,340 567 311 2,218 Total loans recorded investment 1,184,291 1,074,003 467,757 2,726,051 Accrued interest included in recorded investment 2,692 4,036 1,208 7,936 Total loans $ 1,181,599 $ 1,069,967 $ 466,549 $ 2,718,115 December 31, 2019 Allowance for loan losses: Individually evaluated for impairment $ 1,031 $ 4,863 $ 261 $ - $ 6,155 Collectively evaluated for impairment 6,891 3,353 1,022 8,727 19,993 Loans acquired with deteriorated credit quality - - - - - Total ending allowance for loan losses balance $ 7,922 $ 8,216 $ 1,283 $ 8,727 $ 26,148 Loans Individually evaluated for impairment $ 9,393 $ 43,574 $ 2,925 $ 55,892 Collectively evaluated for impairment 1,158,906 1,058,917 457,370 2,675,193 Loans acquired with deteriorated credit quality 1,394 575 316 2,285 Total loans recorded investment 1,169,693 1,103,066 460,611 2,733,370 Accrued interest included in recorded investment 2,998 4,155 1,194 8,347 Total loans $ 1,166,695 $ 1,098,911 $ 459,417 $ 2,725,023
Loans on Non-Accrual Status and Past Due More than 90 Days	Loans on non-accrual status and past due more than 90 days (“Non-performing Loans”) follow (1) 90+ and Still Accruing Non- Accrual Total Non- Performing Loans (In thousands) March 31, 2020 Commercial Commercial and industrial (2) $ - $ 1,285 $ 1,285 Commercial real estate - 7,756 7,756 Mortgage 1-4 family owner occupied - jumbo - 2,356 2,356 1-4 family owner occupied - non-jumbo (3) - 1,804 1,804 1-4 family non-owner occupied - 1,122 1,122 1-4 family - 2nd lien - 1,326 1,326 Resort lending - 438 438 Installment Boat lending - 150 150 Recreational vehicle lending - 84 84 Other - 457 457 Total recorded investment $ - $ 16,778 $ 16,778 Accrued interest included in recorded investment $ - $ - $ - December 31, 2019 Commercial Commercial and industrial (2) $ - $ 565 $ 565 Commercial real estate - 735 735 Mortgage 1-4 family owner occupied - jumbo - 1,179 1,179 1-4 family owner occupied - non-jumbo (3) - 3,540 3,540 1-4 family non-owner occupied - 1,039 1,039 1-4 family - 2nd lien - 979 979 Resort lending - 690 690 Installment Boat lending - 332 332 Recreational vehicle lending - 3 3 Other - 470 470 Total recorded investment $ - $ 9,532 $ 9,532 Accrued interest included in recorded investment $ - $ - $ - (1)Non-performing loans exclude purchase credit impaired loans. (2)Non-performing commercial and industrial loans exclude $0.053 million and $0.077 million of government guaranteed loans at March 31, 2020 and December 31, 2019, respectively. (3)Non-performing 1-4 family owner occupied – non jumbo loans exclude $0.623 million and $0.569 million of government guaranteed loans at March 31, 2020 and December 31, 2019, respectively.
Aging Analysis of Loans by Class	An aging analysis of loans by class follows: Loans Past Due Loans not Total 30-59 days 60-89 days 90+ days Total Past Due Loans (In thousands) March 31, 2020 Commercial Commercial and industrial $ 339 $ - $ 70 $ 409 $ 581,613 $ 582,022 Commercial real estate 175 - - 175 602,094 602,269 Mortgage 1-4 family owner occupied - jumbo 911 947 1,436 3,294 434,866 438,160 1-4 family owner occupied - non-jumbo 2,296 628 584 3,508 284,956 288,464 1-4 family non-owner occupied 1,039 348 690 2,077 164,961 167,038 1-4 family - 2nd lien 980 455 862 2,297 111,877 114,174 Resort lending 226 - 402 628 65,539 66,167 Installment Boat lending 548 75 75 698 205,019 205,717 Recreational vehicle lending 242 42 54 338 158,336 158,674 Other 385 184 216 785 102,581 103,366 Total $ 7,141 $ 2,679 $ 4,389 $ 14,209 $ 2,711,842 $ 2,726,051 Accrued interest included in recorded investment $ 71 $ 41 $ - $ 112 $ 7,824 $ 7,936 December 31, 2019 Commercial Commercial and industrial $ - $ 289 $ 102 $ 391 $ 564,480 $ 564,871 Commercial real estate 177 - 735 912 603,910 604,822 Mortgage 1-4 family owner occupied - jumbo 1,757 1,037 - 2,794 398,759 401,553 1-4 family owner occupied - non-jumbo 2,672 852 1,387 4,911 342,349 347,260 1-4 family non-owner occupied 695 136 623 1,454 168,083 169,537 1-4 family - 2nd lien 909 90 386 1,385 115,157 116,542 Resort lending 364 53 565 982 67,192 68,174 Installment Boat lending 337 107 88 532 202,750 203,282 Recreational vehicle lending 161 97 3 261 153,184 153,445 Other 377 275 202 854 103,030 103,884 Total recorded investment $ 7,449 $ 2,936 $ 4,091 $ 14,476 $ 2,718,894 $ 2,733,370 Accrued interest included in recorded investment $ 74 $ 34 $ - $ 108 $ 8,239 $ 8,347
Impaired Loans	Impaired loans are as follows: March 31, 2020 December 31, 2019 Impaired loans with no allocated allowance for loan losses (In thousands) Troubled debt restructurings (“TDR”) $ 232 $ 337 Non - TDR 1,318 1,550 Impaired loans with an allocated allowance for loan losses TDR - allowance based on collateral 9,535 1,587 TDR - allowance based on present value cash flow 40,769 48,798 Non - TDR - allowance based on collateral 11,205 3,365 Total impaired loans $ 63,059 $ 55,637 Amount of allowance for loan losses allocated TDR - allowance based on collateral $ 1,247 $ 542 TDR - allowance based on present value cash flow 4,000 4,641 Non - TDR - allowance based on collateral 2,891 972 Total amount of allowance for loan losses allocated $ 8,138 $ 6,155 Impaired loans by class are as follows: March 31, 2020 December 31, 2019 Recorded Investment Unpaid Principal Balance Related Allowance For Loan Losses Recorded Investment Unpaid Principal Balance Related Allowance For Loan Losses With no related allowance for loan losses recorded: (In thousands) Commercial Commercial and industrial $ 84 $ 84 $ - $ 257 $ 257 $ - Commercial real estate - - - 796 796 - Mortgage 1-4 family owner occupied - jumbo 154 246 - - - - 1-4 family owner occupied - non-jumbo 385 410 - 212 217 - 1-4 family non-owner occupied 389 554 - 214 366 - 1-4 family - 2nd lien 384 384 - 407 438 - Resort lending 154 379 - - - - Installment Boat lending - - - - - - Recreational vehicle lending - - - - - - Other - - - 1 41 - 1,550 2,057 - 1,887 2,115 - With an allowance for loan losses recorded: Commercial Commercial and industrial $ 2,409 $ 2,496 685 1,655 1,706 453 Commercial real estate 15,555 15,479 2,782 6,685 6,661 578 Mortgage 1-4 family owner occupied - jumbo 23,413 24,861 2,351 1,447 1,445 91 1-4 family owner occupied - non-jumbo 598 652 157 10,163 10,695 1,031 1-4 family non-owner occupied 4,606 5,052 465 4,962 5,542 572 1-4 family - 2nd lien 813 832 214 14,059 15,243 1,695 Resort lending 11,544 11,786 1,204 12,110 12,263 1,474 Installment Boat lending 75 99 27 - - - Recreational vehicle lending 129 150 32 - - - Other 2,609 2,907 221 2,924 3,153 261 61,751 64,314 8,138 54,005 56,708 6,155 Total Commercial Commercial and industrial 2,493 2,580 685 1,912 1,963 453 Commercial real estate 15,555 15,479 2,782 7,481 7,457 578 Mortgage 1-4 family owner occupied - jumbo 23,567 25,107 2,351 1,447 1,445 91 1-4 family owner occupied - non-jumbo 983 1,062 157 10,375 10,912 1,031 1-4 family non-owner occupied 4,995 5,606 465 5,176 5,908 572 1-4 family - 2nd lien 1,197 1,216 214 14,466 15,681 1,695 Resort lending 11,698 12,165 1,204 12,110 12,263 1,474 Installment Boat lending 75 99 27 - - - Recreational vehicle lending 129 150 32 - - - Other 2,609 2,907 221 2,925 3,194 261 Total $ 63,301 $ 66,371 $ 8,138 $ 55,892 $ 58,823 $ 6,155 Accrued interest included in recorded investment $ 242 $ 255
Average Recorded Investment in and Interest Income Earned on Impaired Loans by Class	Average recorded investment in and interest income earned on impaired loans by class for the three month periods ending March 31, follows: 2020 2019 Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized With no related allowance for loan losses recorded: (In thousands) Commercial Commercial and industrial $ 171 $ 1 $ - $ - Commercial real estate 398 - - - Mortgage 1-4 family owner occupied - jumbo 77 1 - - 1-4 family owner occupied - non-jumbo 299 4 179 - 1-4 family non-owner occupied 302 2 - - 1-4 family - 2nd lien 396 - - - Resort lending 77 - - - Installment Boat lending - - - - Recreational vehicle lending - - - - Other 1 - 1 - 1,721 8 180 - With an allowance for loan losses recorded: Commercial Commercial and industrial 2,032 38 3,278 20 Commercial real estate 11,120 223 5,035 67 Mortgage 1-4 family owner occupied - jumbo 12,430 360 1,579 27 1-4 family owner occupied - non-jumbo 5,381 4 18,579 356 1-4 family non-owner occupied 4,784 66 4,069 64 1-4 family - 2nd lien 7,436 4 8,802 3 Resort lending 11,827 141 13,148 175 Installment Boat lending 38 - 51 - Recreational vehicle lending 65 1 81 1 Other 2,767 41 3,316 52 57,880 878 57,938 765 Total Commercial Commercial and industrial 2,203 39 3,278 20 Commercial real estate 11,518 223 5,035 67 Mortgage 1-4 family owner occupied - jumbo 12,507 361 1,579 27 1-4 family owner occupied - non-jumbo 5,680 8 18,758 356 1-4 family non-owner occupied 5,086 68 4,069 64 1-4 family - 2nd lien 7,832 4 8,802 3 Resort lending 11,904 141 13,148 175 Installment Boat lending 38 - 51 - Recreational vehicle lending 65 1 81 1 Other 2,768 41 3,317 52 Total $ 59,601 $ 886 $ 58,118 $ 765
Troubled Debt Restructurings	Cash receipts on impaired loans on non-accrual status are generally applied to the principal balance. TDRs follow: March 31, 2020 Commercial Retail (1) Total (In thousands) Performing TDRs $ 8,924 $ 39,253 $ 48,177 Non-performing TDRs(2) 264 2,095 (3) 2,359 Total $ 9,188 $ 41,348 $ 50,536 December 31, 2019 Commercial Retail (1) Total (In thousands) Performing TDRs $ 7,974 $ 39,601 $ 47,575 Non-performing TDRs(2) 540 2,607 (3) 3,147 Total $ 8,514 $ 42,208 $ 50,722 (1) Retail loans include mortgage and installment loan segments. (2) Included in non-performing loans table above. (3) Also includes loans on non-accrual at the time of modification until six payments are received on a timely basis.
Troubled Debt Restructuring During the Period	Loans that have been classified as TDRs during the three-month periods ended March 31 follow: Number of Contracts Pre-modification Balance Post-modification Balance (Dollars in thousands) 2020 Commercial Commercial and industrial 1 $ 99 $ 99 Commercial real estate 3 1,177 1,177 Mortgage 1-4 family owner occupied - jumbo 1 281 281 1-4 family owner occupied - non-jumbo - - - 1-4 family non-owner occupied - - - 1-4 family - 2nd lien - - - Resort lending - - - Installment Boat lending - - - Recreational vehicle lending - - - Other 2 60 61 Total 7 $ 1,617 $ 1,618 2019 Commercial Commercial and industrial 1 $ 49 $ 49 Commercial real estate - - - Mortgage 1-4 family owner occupied - jumbo - - - 1-4 family owner occupied - non-jumbo 1 281 281 1-4 family non-owner occupied - - - 1-4 family - 2nd lien - - - Resort lending - - - Installment Boat lending - - - Recreational vehicle lending - - - Other 2 60 61 Total 4 $ 390 $ 391
Loan Ratings by Loan Class	The following table summarizes loan ratings by loan class for our commercial loan segment: Commercial Non-watch 1-6 Watch 7-8 Substandard Accrual 9 Non- Accrual 10-11 Total (In thousands) March 31, 2020 Commercial and industrial $ 534,064 $ 42,460 $ 4,213 $ 1,285 $ 582,022 Commercial real estate 578,466 14,161 1,886 7,756 602,269 Total $ 1,112,530 $ 56,621 $ 6,099 $ 9,041 $ 1,184,291 Accrued interest included in total $ 2,503 $ 167 $ 22 $ - $ 2,692 December 31, 2019 Commercial and industrial $ 515,955 $ 44,384 $ 3,967 $ 565 $ 564,871 Commercial real estate 580,516 23,036 535 735 604,822 Total $ 1,096,471 $ 67,420 $ 4,502 $ 1,300 $ 1,169,693 Accrued interest included in total $ 2,763 $ 205 $ 30 $ - $ 2,998 The following tables summarize credit scores by loan class for our mortgage and installment loan segments: Mortgage (1) 1-4 Family Owner Occupied - Jumbo 1-4 Family Owner Occupied - Non-jumbo 1-4 Family Non-owner Occupied 1-4 Family 2nd Lien Resort Lending Total (In thousands) March 31, 2020 $ 50,414 $ 34,580 $ 23,209 $ 13,108 $ 10,591 $ 131,902 800 and above 750-799 209,339 87,685 83,613 48,332 28,847 457,816 700-749 114,474 90,784 35,455 31,576 14,132 286,421 650-699 37,985 43,241 15,242 14,107 9,280 119,855 600-649 16,755 16,693 5,548 3,848 2,013 44,857 550-599 4,101 8,571 1,751 1,496 659 16,578 500-549 3,693 5,236 1,714 1,208 568 12,419 Under 500 1,399 1,674 506 499 77 4,155 Unknown - - - - - - Total $ 438,160 $ 288,464 $ 167,038 $ 114,174 $ 66,167 $ 1,074,003 Accrued interest included in total $ 1,264 $ 1,522 $ 562 $ 448 $ 240 $ 4,036 December 31, 2019 $ 48,486 $ 43,848 $ 24,315 $ 13,905 $ 11,076 $ 141,630 800 and above 750-799 198,491 111,521 84,656 50,012 29,364 474,044 700-749 106,609 95,064 34,839 30,697 14,626 281,835 650-699 31,553 51,174 13,995 14,267 8,063 119,052 600-649 13,230 21,938 5,897 4,097 2,074 47,236 550-599 514 12,308 1,863 1,703 673 17,061 500-549 1,519 7,940 1,870 1,281 889 13,499 Under 500 641 2,208 533 511 79 3,972 Unknown 510 1,259 1,569 69 1,330 4,737 Total $ 401,553 $ 347,260 $ 169,537 $ 116,542 $ 68,174 $ 1,103,066 Accrued interest included in total $ 1,139 $ 1,662 $ 586 $ 502 $ 266 $ 4,155 (1) Credit scores have been updated within the last twelve months. Installment(1) Boat Lending Recreational Vehicle Lending Other Total (In thousands) March 31, 2020 $ 28,885 $ 26,056 $ 7,631 $ 62,572 800 and above 750-799 120,261 90,484 37,810 248,555 700-749 41,494 32,596 27,461 101,551 650-699 11,320 7,116 22,607 41,043 600-649 2,117 1,391 4,115 7,623 550-599 1,029 580 1,764 3,373 500-549 319 429 991 1,739 Under 500 292 22 231 545 Unknown - - 756 756 Total $ 205,717 $ 158,674 $ 103,366 $ 467,757 Accrued interest included in total $ 472 $ 366 $ 370 $ 1,208 December 31, 2019 $ 28,041 $ 24,470 $ 7,611 $ 60,122 800 and above 750-799 118,380 88,164 37,583 244,127 700-749 41,490 31,055 27,204 99,749 650-699 11,485 7,267 22,517 41,269 600-649 2,254 1,411 4,470 8,135 550-599 946 592 1,884 3,422 500-549 377 464 1,127 1,968 Under 500 309 22 284 615 Unknown - - 1,204 1,204 Total $ 203,282 $ 153,445 $ 103,884 $ 460,611 Accrued interest included in total $ 490 $ 378 $ 326 $ 1,194 (1) Credit scores have been updated within the last twelve months.
Purchase Credit Impaired (PCI) Loans	For these loans that meet the criteria of ASC 310-30 treatment, the carrying amount was as follows: March 31, 2020 December 31, 2019 (In thousands) Commercial $ 1,340 $ 1,394 Mortgage 567 575 Installment 311 316 Total carrying amount 2,218 2,285 Allowance for loan losses - - Carrying amount, net of allowance for loan losses $ 2,218 $ 2,285 The accretable difference on PCI loans is the difference between the expected cash flows and the net present value of expected cash flows with such difference accreted into earnings using the effective yield method over the term of the loans. Accretion recorded as loan interest income is included in the table below. Accretable yield of PCI loans, or income expected to be collected follows: Three months ended March 31, 2020 2019 (unaudited) (In thousands) Balance at beginning of period $ 640 $ 462 New loans purchased - - Accretion recorded as loan interest income (32 ) (39 ) Reclassification from (to) nonaccretable difference - 365 Displosals/other adjustments - - Balance at end of period $ 608 $ 788

Shareholders' Equity and Earn_2

Shareholders' Equity and Earnings Per Common Share (Tables)	3 Months Ended
	Mar. 31, 2020
Shareholders' Equity and Earnings Per Common Share [Abstract]
Reconciliation of Basic and Diluted Net Income Per Share	A reconciliation of basic and diluted net income per common share follows: Three Months Ended March 31, 2020 2019 (In thousands, except per share data) Net income $ 4,810 $ 9,381 Weighted average shares outstanding (1) 22,271 23,588 Stock units for deferred compensation plan for non-employee directors 122 130 Effect of stock options 99 127 Performance share units 37 40 Weighted average shares outstanding for calculation of diluted earnings per share 22,529 23,885 Net income per common share Basic (1) $ 0.22 $ 0.40 Diluted $ 0.21 $ 0.39 (1)

Derivative Financial Instrume_2

Derivative Financial Instruments (Tables)	3 Months Ended
	Mar. 31, 2020
Derivative Financial Instruments [Abstract]
Derivative Financial Instruments According to Type of Hedge Designation	Our derivative financial instruments according to the type of hedge in which they are designated follows: March 31, 2020 Notional Amount Average Maturity (years) Fair Value (Dollars in thousands) Fair value hedge designation - Pay-fixed interest rate swap agreements $ 7,117 9.1 $ (788 ) Cash flow hedge designation - Pay-fixed interest rate swap agreements $ 25,000 1.3 $ (544 ) No hedge designation Rate-lock mortgage loan commitments $ 145,077 0.1 $ 5,732 Mandatory commitments to sell mortgage loans 176,165 0.1 (2,104 ) Pay-fixed interest rate swap agreements - commercial 162,452 5.3 (11,814 ) Pay-variable interest rate swap agreements - commercial 162,452 5.3 11,814 Interest rate cap agreements 150,000 2.3 27 Purchased options 2,908 1.3 37 Written options 2,848 1.3 (36 ) Total $ 801,902 2.6 $ 3,656 December 31, 2019 Notional Amount Average Maturity (years) Fair Value (Dollars in thousands) Fair value hedge designation - Pay-fixed interest rate swap agreements $ 7,117 9.4 $ (242 ) Cash flow hedge designation Pay-fixed interest rate swap agreements $ 25,000 1.6 $ (174 ) Interest rate cap agreements 150,000 2.6 214 Total $ 175,000 2.5 $ 40 No hedge designation Rate-lock mortgage loan commitments $ 49,268 0.1 $ 1,412 Mandatory commitments to sell mortgage loans 95,363 0.1 (150 ) Pay-fixed interest rate swap agreements - commercial 153,946 5.5 (3,641 ) Pay-variable interest rate swap agreements - commercial 153,946 5.5 3,641 Purchased options 2,908 1.5 141 Written options 2,848 1.5 (139 ) Total $ 458,279 3.7 $ 1,264
Fair Value of Derivative Instruments	Fair Values of Derivative Instruments Asset Derivatives Liability Derivatives March 31, 2020 December 31, 2019 March 31, 2020 December 31, 2019 Balance Sheet Location Fair Value Balance Sheet Location Fair Value Balance Sheet Location Fair Value Balance Sheet Location Fair Value (In thousands) Derivatives designated as hedging instruments Pay-fixed interest rate swap agreements Other assets $ - Other assets $ - Other liabilities $ 1,332 Other liabilities $ 416 Interest rate cap agreements Other assets - Other assets 214 Other liabilities - Other liabilities - - $ 214 1,332 $ 416 Derivatives not designated as hedging instruments Rate-lock mortgage loan commitments Other assets 5,732 Other assets $ 1,412 Other liabilities - Other liabilities $ - Mandatory commitments to sell mortgage loans Other assets - Other assets - Other liabilities 2,104 Other liabilities 150 Pay-fixed interest rate swap agreements -commercial Other assets - Other assets 28 Other liabilities 11,814 Other liabilities 3,669 Pay-variable interest rate swap agreements -commercial Other assets 11,814 Other assets 3,669 Other liabilities - Other liabilities 28 Interest rate cap agreements Other assets 27 Other assets - Other liabilities - Other liabilities - Purchased options Other assets 37 Other assets 141 Other liabilities - Other liabilities - Written options Other assets - Other assets - Other liabilities 36 Other liabilities 139 17,610 5,250 13,954 3,986 Total derivatives $ 17,610 $ 5,464 $ 15,286 $ 4,402
Effect of Derivative Financial Instruments on Consolidated Statement of Operations	The effect of derivative financial instruments on the Condensed Consolidated Statements of Operations follows: Three Month Periods Ended March 31, Gain (Loss) Recognized in Other Comprehensive Income (Loss) (Effective Portion) Location of Gain Reclassified from Accumulated Other Comprehensive Loss into Income (Effective Gain Reclassified from Accumulated Other Comprehensive Loss into Income (Effective Portion) Location of Gain (Loss) Recognized Gain (Loss) Recognized in Income 2020 2019 Portion) 2020 2019 in Income 2020 2019 (In thousands) Fair Value Hedges Pay-fixed interest rate swap agreements Non-interest income-other $ (546 ) $ - Cash Flow Hedges Interest rate cap agreements $ (14 ) $ (785 ) Interest expense $ (53 ) $ 118 Interest expense $ - $ - Pay-fixed interest rate swap agreements (392 ) (127 ) Interest expense (22 ) 31 Interest expense - - Total $ (406 ) $ (912 ) $ (75 ) $ 149 $ - $ - No hedge designation Rate-lock mortgage loan commitments Net gains on mortgage loans $ 4,320 $ 629 Mandatory commitments to sell mortgage loans Net gains on mortgage loans (1,954 ) 174 Pay-fixed interest rate swap agreements - commercial Interest income (8,173 ) (1,147 ) Pay-variable interest rate swap agreements - commercial Interest income 8,173 1,147 Interest rate cap agreements Interest expense (35 ) - Purchased options Interest expense (104 ) 86 Written options Interest expense 103 (84 ) Total $ 2,330 $ 805

Goodwill and Other Intangibles

Goodwill and Other Intangibles (Tables)	3 Months Ended
	Mar. 31, 2020
Goodwill and Other Intangibles [Abstract]
Other Intangible Assets, Net of Amortization	The following table summarizes intangible assets, net of amortization: March 31, 2020 December 31, 2019 Gross Carrying Amount Accumulated Amortization Gross Carrying Amount Accumulated Amortization (In thousands) Amortized intangible assets - core deposits $ 11,916 $ 6,845 $ 11,916 $ 6,590 Unamortized intangible assets - goodwill $ 28,300 $ 28,300
Estimated Core Deposit Intangible Amortization	We performed our required annual goodwill impairment test as of December 31, 2019 and there was impairment. During the first quarter of 2020 the stock market in general as well as our market capitalization declined as a result of events surrounding the current COVID-19 pandemic outbreak. As such we do not believe that it is more likely than not a goodwill impairment exists at March 31, 2020. See note 13, Contingencies, for additional information on COVID-19 and its potential impact to us. A summary of estimated core deposit intangible amortization at March 31, 2020 follows: (In thousands) Nine months ending December 31, 2020 $ 765 2021 970 2022 785 2023 547 2024 516 2025 and thereafter 1,488 Total $ 5,071

Share Based Compensation (Table

Share Based Compensation (Tables)	3 Months Ended
	Mar. 31, 2020
Share Based Compensation [Abstract]
Restricted Stock and Performance Stock Units Granted	A summary of restricted stock and performance stock units (“PSU”) granted pursuant to our long-term incentive plan follows: Three Months Ended 2020 2019 Restricted stock 52,996 52,716 PSU 20,897 22,016
Outstanding Stock Option Grants and Transactions	A summary of outstanding stock option grants and related transactions follows: Number of Shares Average Exercise Price Weighted- Average Remaining Contractual Term (Years) Aggregated Intrinsic Value (In thousands) Outstanding at January 1, 2020 138,506 $ 4.62 Granted - Exercised (11,567 ) 3.54 Forfeited - Expired - Outstanding at March 31, 2020 126,939 $ 4.71 2.8 $ 1,044 Vested and expected to vest at March 31, 2020 126,939 $ 4.71 2.8 $ 1,044 Exercisable at March 31, 2020 126,939 $ 4.71 2.8 $ 1,044
Non-Vested Restricted Stock, Restricted Stock Units and PSU's	A summary of outstanding non-vested restricted stock and PSUs and related transactions follows: Number of Shares Weighted- Average Grant Date Fair Value Outstanding at January 1, 2020 245,726 $ 21.72 Granted 73,893 22.80 Vested (64,263 ) 21.24 Forfeited (5,468 ) 23.71 Outstanding at March 31, 2020 249,888 $ 22.12
Information Regarding Options Exercised	Certain information regarding options exercised during the periods follows: Three Months Ended March 31, 2020 2019 (In thousands) Intrinsic value $ 210 $ 836 Cash proceeds received $ 41 $ 695 Tax benefit realized $ 44 $ 176

Regulatory Matters (Tables)

Regulatory Matters (Tables)	3 Months Ended
	Mar. 31, 2020
Regulatory Matters [Abstract]
Actual Capital Amounts and Ratios	Our actual capital amounts and ratios follow (1): Actual Minimum for Minimum for Amount Ratio Amount Ratio Amount Ratio (Dollars in thousands) March 31, 2020 Total capital to risk-weighted assets Consolidated $ 373,709 13.38 % $ 223,472 8.00 % NA NA Independent Bank 362,547 12.98 223,405 8.00 $ 279,256 10.00 % Tier 1 capital to risk-weighted assets Consolidated $ 339,553 12.16 % $ 167,604 6.00 % NA NA Independent Bank 328,391 11.76 167,554 6.00 $ 223,405 8.00 % Common equity tier 1 capital to risk-weighted assets Consolidated $ 301,304 10.79 % $ 125,703 4.50 % NA NA Independent Bank 328,391 11.76 125,665 4.50 $ 181,516 6.50 % Tier 1 capital to average assets Consolidated $ 339,553 9.63 % $ 141,089 4.00 % NA NA Independent Bank 328,391 9.31 141,099 4.00 $ 176,373 5.00 % December 31, 2019 Total capital to risk-weighted assets Consolidated $ 380,454 13.74 % $ 221,562 8.00 % NA NA Independent Bank 358,914 12.96 221,482 8.00 $ 276,852 10.00 % Tier 1 capital to risk-weighted assets Consolidated $ 352,764 12.74 % $ 166,171 6.00 % NA NA Independent Bank 331,224 11.96 166,111 6.00 $ 221,482 8.00 % Common equity tier 1 capital to risk-weighted assets Consolidated $ 314,532 11.36 % $ 124,628 4.50 % NA NA Independent Bank 331,224 11.96 124,583 4.50 $ 179,954 6.50 % Tier 1 capital to average assets Consolidated $ 352,764 10.11 % $ 139,632 4.00 % NA NA Independent Bank 331,224 9.49 139,615 4.00 $ 174,519 5.00 % (1) These ratios do not reflect a capital conservation buffer of 2.50% at March 31, 2020 and December 31, 2019, respectively. NA - Not applicable
Regulatory Capital	The components of our regulatory capital are as follows: Consolidated Independent Bank March 31, 2020 December 31, 2019 March 31, 2020 December 31, 2019 (In thousands) Total shareholders’ equity $ 335,618 $ 350,169 $ 362,705 $ 366,861 Add (deduct) Accumulated other comprehensive (income) loss for regulatory purposes (943 ) (2,011 ) (943 ) (2,011 ) Goodwill and other intangibles (33,371 ) (33,626 ) (33,371 ) (33,626 ) Disallowed deferred tax assets - - - - Common equity tier 1 capital 301,304 314,532 328,391 331,224 Qualifying trust preferred securities 38,249 38,232 - - Tier 1 capital 339,553 352,764 328,391 331,224 Allowance for loan losses and allowance for unfunded lending commitments limited to 1.25% of total risk-weighted assets 32,664 27,690 34,156 27,690 Total risk-based capital $ 373,396 $ 380,454 $ 362,547 $ 358,914

Fair Value Disclosures (Tables)

Fair Value Disclosures (Tables)	3 Months Ended
	Mar. 31, 2020
Fair Value Disclosures [Abstract]
Assets and Liabilities Measured at Fair Value	Assets and liabilities measured at fair value, including financial assets for which we have elected the fair value option, were as follows: Fair Value Measurements Using Fair Value Measure- ments Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Un- observable Inputs (Level 3) (In thousands) March 31, 2020: Measured at Fair Value on a Recurring Basis Assets Securities available for sale U.S. agency $ 12,828 $ - $ 12,828 $ - U.S. agency residential mortgage-backed 221,829 - 221,829 - U.S. agency commercial mortgage-backed 9,916 - 9,916 - Private label mortgage-backed 37,071 - 37,071 - Other asset backed 103,881 - 103,881 - Obligations of states and political subdivisions 163,941 - 163,941 - Corporate 42,811 - 42,811 - Trust preferred 1,491 - 1,491 - Foreign government 516 - 516 - Loans held for sale, carried at fair value 64,549 - 64,549 - Capitalized mortgage loan servicing rights 14,829 - - 14,829 Derivatives (1) 17,610 - 17,610 - Liabilities Derivatives (2) 15,286 - 15,286 - Measured at Fair Value on a Non-recurring Basis: Assets Impaired loans (3) Commercial Commercial and industrial 1,720 - - 1,720 Commercial real estate 12,747 - - 12,747 Mortgage 1-4 family owner occupied - jumbo 930 - - 930 1-4 family owner occupied - non-jumbo 236 - - 236 1-4 family non-owner occupied 189 - - 189 1-4 family - 2nd lien 353 - - 353 Resort lending 173 - - 173 Installment Boat lending 49 - - 49 Recreational vehicle lending 54 - - 54 Other 151 - - 151 Other real estate (4) Commercial real estate 474 474 - - Mortgage - 1-4 family owner occupied - non-jumbo 25 - - 25 (1) Included in accrued income and other assets (2) Included in accrued expenses and other liabilities (3) Only includes impaired loans with specific loss allocations based on collateral value. (4) Only includes other real estate with subsequent write downs to fair value. The fair value of the commercial real estate property included in this table was based on a purchase agreement that is expected to close during the second quarter of 2020. Fair Value Measurements Using Fair Value Measure- ments Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Un- observable Inputs (Level 3) (In thousands) December 31, 2019: Measured at Fair Value on a Recurring Basis Assets Securities available for sale U.S. agency $ 14,661 $ - $ 14,661 $ - U.S. agency residential mortgage-backed 227,762 - 227,762 - U.S. agency commercial mortgage-backed 10,756 - 10,756 - Private label mortgage-backed 39,693 - 39,693 - Other asset backed 93,886 - 93,886 - Obligations of states and political subdivisions 96,102 - 96,102 - Corporate 33,195 - 33,195 - Trust preferred 1,843 - 1,843 - Foreign government 502 - 502 - Loans held for sale, carried at fair value 69,800 - 69,800 - Capitalized mortgage loan servicing rights 19,171 - - 19,171 Derivatives (1) 5,464 - 5,464 - Liabilities Derivatives (2) 4,402 - 4,402 - Measured at Fair Value on a Non-recurring Basis: Assets Impaired loans (3) Commercial Commercial and industrial 655 - - 655 Commercial real estate 316 - - 316 Mortgage 1-4 family owner occupied - jumbo 987 - - 987 1-4 family owner occupied - non-jumbo 470 - - 470 1-4 family non-owner occupied 281 - - 281 1-4 family - 2nd lien 294 - - 294 Resort lending 245 - - 245 Installment Boat lending 67 - - 67 Recreational vehicle lending 2 - - 2 Other 121 - - 121 Other real estate (4) Mortgage - 1-4 family owner occupied - non-jumbo 31 - - 31 Installment - other 28 - - 28 (1) Included in accrued income and other assets (2) Included in accrued expenses and other liabilities (3) Only includes impaired loans with specific loss allocations based on collateral value. (4) Only includes other real estate with subsequent write downs to fair value.
Changes in Fair Value for Financial Assets	Changes in fair values for financial assets which we have elected the fair value option for the periods presented were as follows: Changes in Fair Values for the Three-Month Periods Ended March 31 for Items Measured at Fair Value Pursuant to Election of the Fair Value Option Net Gains (Losses) on Assets Mortgage Total Change in Fair Values Included in Current Securities Mortgage Loans Loan Servicing, net Period Earnings (In thousands) 2020 Loans held for sale - 523 - 523 Capitalized mortgage loan servicing rights - - (6,974 ) (6,974 ) 2019 Equity securities at fair value $ 167 $ - $ - $ 167 Loans held for sale - 96 - 96 Capitalized mortgage loan servicing rights - - (2,691 ) (2,691 )
Reconciliation for all Assets Measured at Fair Value on a Recurring Basis Using Significant Unobservable Inputs (Level 3)	A reconciliation for all assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) follows: Capitalized Mortgage Loan Servicing Rights Three Months Ended March 31, 2020 2019 (In thousands) Beginning balance $ 19,171 $ 21,400 Total gains (losses) realized and unrealized: Included in results of operations (6,974 ) (2,691 ) Included in other comprehensive income (loss) - - Purchases, issuances, settlements, maturities and calls 2,632 1,200 Transfers in and/or out of Level 3 - - Ending balance $ 14,829 $ 19,909 Amount of total gains (losses) for the period included in earnings attributable to the change in unrealized gains (losses) relating to assets and liabilities still held at March 31 $ (6,974 ) $ (2,691 )
Quantitative Information About Level 3 Fair Value Measurements Measured on a Recurring Basis and Non-recurring Basis	Quantitative information about our Level 3 fair value measurements measured on a recurring basis follows: Asset Fair Value Valuation Technique Unobservable Inputs Range Weighted Average (In thousands) March 31, 2020 Capitalized mortgage loan servicing rights $ 14,829 Present value of net Discount rate 10.00% to 13.00 % 10.13 % servicing revenue Cost to service $ 72 to $201 $ 81 Ancillary income 20 to 37 22 Float rate 0.52 % 0.52 % Prepayment rate 7.02% to 34.00 % 19.65 % December 31, 2019 Capitalized mortgage loan servicing rights $ 19,171 Present value of net Discount rate 10.00% to 13.00 % 10.14 % servicing revenue Cost to service $ 66 to $316 $ 81 Ancillary income 20 to 37 22 Float rate 1.73 % 1.73 % Prepayment rate 7.01% to 69.34 % 14.96 Quantitative information about Level 3 fair value measurements measured on a non-recurring basis follows: Asset Fair Value Valuation Technique Unobservable Inputs Range Weighted Average (In thousands) March 31, 2020 Impaired loans Commercial $ 14,467 Sales comparison approach Adjustment for differences between comparable sales (48.0)% to 35.0 % 0.5 % Income approach Capitalization rate 7.75% to 11.0 8.7 Mortgage and Installment(1) 2,135 Sales comparison approach Adjustment for differences between comparable sales (13.0) to 49.2 14.0 Other real estate Mortgage 25 Sales comparison approach Adjustment for differences between comparable sales (16.1) to 10.6 (4.2 ) December 31, 2019 Impaired loans Commercial $ 971 Sales comparison approach Adjustment for differences between comparable sales (48.0)% to 19.2 % (5.6 )% Mortgage and Installment(1) 2,467 Sales comparison approach Adjustment for differences between comparable sales (25.2)% to 49.2 11.5 Other real estate Mortgage and Installment 59 Sales comparison approach Adjustment for differences between comparable sales (11.6)% to 5.0 (5.1 ) (1) In addition to the valuation techniques and unobservable inputs discussed above, at March 31, 2020 and December 31, 2019 certain impaired collateral dependent installment loans totaling approximately $0.25 million and $0.14 million, respectively are secured by collateral other than real estate. For the majority of these loans, we apply internal discount rates to industry valuation guides.
Aggregate Fair Value and Aggregate Remaining Contractual Principal Balance for Loans Held for Sale	The following table reflects the difference between the aggregate fair value and the aggregate remaining contractual principal balance outstanding for loans held for sale for which the fair value option has been elected for the periods presented. Aggregate Fair Value Difference Contractual Principal (In thousands) Loans held for sale March 31, 2020 $ 64,549 $ 2,417 $ 62,132 December 31, 2019 69,800 1,894 67,906

Fair Values of Financial Inst_2

Fair Values of Financial Instruments (Tables)	3 Months Ended
	Mar. 31, 2020
Fair Values of Financial Instruments [Abstract]
Estimated Recorded Book Balances and Fair Values	The estimated recorded book balances and fair values follow: Fair Value Using Recorded Book Balance Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Un- observable Inputs (Level 3) (In thousands) March 31, 2020 Assets Cash and due from banks $ 48,753 $ 48,753 $ 48,753 $ - $ - Interest bearing deposits 21,538 21,538 21,538 - - Securities available for sale 594,284 594,284 - 594,284 - Federal Home Loan Bank and Federal Reserve Bank Stock 18,359 NA NA NA NA Net loans and loans held for sale 2,750,169 2,645,319 - 64,549 2,580,770 Accrued interest receivable 10,519 10,519 - 2,583 7,936 Derivative financial instruments 17,610 17,610 - 17,610 - Liabilities Deposits with no stated maturity (1) $ 2,529,503 $ 2,529,503 $ 2,529,503 $ - $ - Deposits with stated maturity (1) 554,061 555,820 - 555,820 - Other borrowings 101,954 103,755 - 103,755 - Subordinated debentures 39,473 25,619 - 25,619 - Accrued interest payable 1,195 1,195 37 1,158 - Derivative financial instruments 15,286 15,286 - 15,286 - December 31, 2019 Assets Cash and due from banks $ 53,295 $ 53,295 $ 53,295 $ - $ - Interest bearing deposits 12,009 12,009 12,009 - - Interest bearing deposits - time 350 350 - 350 - Securities available for sale 518,400 518,400 - 518,400 - Federal Home Loan Bank and Federal Reserve Bank Stock 18,359 NA NA NA NA Net loans and loans held for sale 2,768,675 2,768,817 - 69,800 2,699,017 Accrued interest receivable 10,108 10,108 8 1,752 8,348 Derivative financial instruments 5,464 5,464 - 5,464 - Liabilities Deposits with no stated maturity (1) $ 2,427,190 $ 2,427,190 $ 2,427,190 $ - $ - Deposits with stated maturity (1) 609,537 610,235 - 610,235 - Other borrowings 88,646 88,680 - 88,680 - Subordinated debentures 39,456 33,149 - 33,149 - Accrued interest payable 1,296 1,296 97 1,199 - Derivative financial instruments 4,402 4,402 - 4,402 - (1) Deposits with no stated maturity include reciprocal deposits with a recorded book balance of $424.569 million and 388.369 $ million and $ million at March 31, 2020 and December 31, 2019, respectively.

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Loss ("AOCL") (Tables)	3 Months Ended
	Mar. 31, 2020
Accumulated Other Comprehensive Loss ("AOCL") [Abstract]
Accumulated Other Comprehensive Loss (AOCL), Net of Tax	A summary of changes in AOCL follows: Unrealized Gains (Losses) on Securities Available for Sale Dispropor- tionate Tax Effects from Securities Available for Sale Unrealized Losses on Cash Flow Hedges Total (In thousands) For the three months ended March 31, 2020 Balances at beginning of period $ 3,739 $ (5,798 ) $ (1,727 ) $ (3,786 ) Other comprehensive income (loss) before reclassifications (606 ) - (321 ) (927 ) Amounts reclassified from AOCL (200 ) - 59 (141 ) Net current period other comprehensive income (loss) (806 ) - (262 ) (1,068 ) Balances at end of period $ 2,933 $ (5,798 ) $ (1,989 ) $ (4,854 ) 2019 Balances at beginning of period $ (4,185 ) $ (5,798 ) $ (125 ) $ (10,108 ) Other comprehensive income (loss) before reclassifications 4,236 - (719 ) 3,517 Amounts reclassified from AOCL (108 ) - (118 ) (226 ) Net current period other comprehensive income (loss) 4,128 - (837 ) 3,291 Balances at end of period $ (57 ) $ (5,798 ) $ (962 ) $ (6,817 )
Reclassifications Out of Each Component of AOCL	A summary of reclassifications out of each component of AOCL for the three months ended March 31 follows: AOCL Component Amount Reclassified From AOCL Affected Line Item in Condensed Consolidated Statements of Operations (In thousands) 2020 Unrealized gains (losses) on securities available for sale $ 253 Net gains (losses) on securities - Net impairment loss recognized in earnings 253 Total reclassifications before tax 53 Income tax expense $ 200 Reclassifications, net of tax Unrealized losses on cash flow hedges $ 75 Interest expense 16 Income tax expense $ 59 Reclassification, net of tax $ 141 Total reclassifications for the period, net of tax 2019 Unrealized gains (losses) on securities available for sale $ 137 Net gains (losses) on securities - Net impairment loss recognized in earnings 137 Total reclassifications before tax 29 Income tax expense $ 108 Reclassifications, net of tax Unrealized losses on cash flow hedges $ (149 ) Interest expense (31 ) Income tax expense $ (118 ) Reclassification, net of tax $ 226 Total reclassifications for the period, net of tax

Revenue from Contracts with C_2

Revenue from Contracts with Customers (Tables)	3 Months Ended
	Mar. 31, 2020
Revenue from Contracts with Customers [Abstract]
Disaggregation of Revenue Sources by Attribute	Disaggregation of our revenue sources by attribute follows: Three months ending March 31, 2020 Service Charges on Deposit Accounts Other Deposit Related Income Interchange Income Investment and Insurance Commissions Total (In thousands) Retail Overdraft fees $ 1,740 $ - $ - $ - $ 1,740 Account service charges 506 - - - 506 ATM fees - 300 - - 300 Other - 236 - - 236 Business Overdraft fees 345 - - - 345 ATM fees - 7 - - 7 Other - 90 - - 90 Interchange income - - 2,457 - 2,457 Asset management revenue - - - 313 313 Transaction based revenue - - - 200 200 Total $ 2,591 $ 633 $ 2,457 $ 513 $ 6,194 Reconciliation to Condensed Consolidated Statement of Operations: Non-interest income - other: Other deposit related income $ 633 Investment and insurance commissions 513 Bank owned life insurance 270 Other 747 Total $ 2,163 Three months ending March 31, 2019 Service Charges on Deposit Accounts Other Deposit Related Income Interchange Income Investment and Insurance Commissions Total (In thousands) Retail Overdraft fees $ 1,730 - - - $ 1,730 Account service charges 525 - - - 525 ATM fees - 322 - - 322 Other - 251 - - 251 Business Overdraft fees 385 - - - 385 ATM fees - 8 - - 8 Other - 129 - - 129 Interchange income - - 2,355 - 2,355 Asset management revenue - - - 254 254 Transaction based revenue - - - 43 43 Total $ 2,640 $ 710 $ 2,355 $ 297 $ 6,002 Reconciliation to Condensed Consolidated Statement of Operations: Non-interest income - other: Other deposit related income $ 710 Investment and insurance commissions 297 Bank owned life insurance 242 Other 1,015 Total $ 2,264

Leases (Tables)

Leases (Tables)	3 Months Ended
	Mar. 31, 2020
Leases [Abstract]
Components of Operating Leases	The cost components of our operating leases follows: Three Months Ended March 31, 2020 2019 (In thousands) Operating lease cost $ 486 $ 564 Variable lease cost 15 23 Short-term lease cost 7 5 Total $ 508 $ 592
Supplemental Balance Sheet Information Related to Operating Leases	Supplemental balance sheet information related to our operating leases follows: March 31, 2020 December 31, 2019 (Dollars in thousands) Lease right of use asset (1) $ 7,968 $ 8,282 Lease liabilities (2) $ 8,002 $ 8,304 Weighted average remaining lease term (years) 7.30 7.47 Weighted average discount rate 2.7 % 2.8 % (1) Included in Accrued income and other assets in our Consolidated Statements of Financial Condition. (2) Included in Accrued expenses and other liabilities in our Consolidated Statements of Financial Condition.
Maturity Analysis of Lease Liabilities	Maturity analysis of our lease liabilities at March 31, 2020 based on required contractual payments follows: (In thousands) Nine months ending December 31, 2020 $ 1,228 2021 1,446 2022 1,341 2023 1,186 2024 802 2025 and thereafter 2,840 Total lease payments 8,843 Less imputed interest (841 ) Total $ 8,002

New Accounting Standards (Detai

New Accounting Standards (Details) - ASU 2016-13 [Member] - USD ($) $ in Millions	3 Months Ended	12 Months Ended
	Mar. 31, 2020	Dec. 31, 2019
New Accounting Standards [Abstract]
Allowance for loan losses forecast period	2 years
Minimum [Member]
New Accounting Standards [Abstract]
Expected increase in the allowance for loan losses		$ 8
Expected increase to the allowance for losses related to unfunded loan commitments		1
Maximum [Member]
New Accounting Standards [Abstract]
Expected increase in the allowance for loan losses		10
Expected increase to the allowance for losses related to unfunded loan commitments		$ 2

Securities (Details)

Securities (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2020USD ($)Security	Mar. 31, 2019USD ($)	Dec. 31, 2019USD ($)
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized cost	$ 590,572		$ 513,668
Unrealized Gains	10,051		5,782
Unrealized Losses	6,339		1,050
Fair Value	594,284		518,400
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	193,158		130,648
Less Than Twelve Months, Unrealized Losses	4,954		535
Twelve Months or More, Fair Value	30,983		38,343
Twelve Months or More, Unrealized Losses	1,385		515
Total, Fair Value	224,141		168,991
Total, Unrealized Losses	6,339		1,050
Private Label Mortgage Backed Securities Below Investment Grade [Abstract]
Fair value	982
Amortized cost	900
Non-credit unrealized loss	21
Unrealized gain	103
Cumulative credit related OTTI	1,214
Credit related OTTI recognized in earnings	0	$ 0
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Roll Forward]
Balance at beginning of period	1,214	1,594
Additions to credit losses on securities for which no previous OTTI was recognized	0	0
Increases to credit losses on securities for which OTTI was previously recognized	0	0
Balance at end of period	1,214	$ 1,594
U.S. Agency [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized cost	12,648		14,591
Unrealized Gains	207		89
Unrealized Losses	27		19
Fair Value	12,828		14,661
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	1,042		2,782
Less Than Twelve Months, Unrealized Losses	1		8
Twelve Months or More, Fair Value	2,473		2,712
Twelve Months or More, Unrealized Losses	26		11
Total, Fair Value	3,515		5,494
Total, Unrealized Losses	$ 27		19
Number of securities with market fair value less than amortized cost | Security	24
U.S. Agency Residential Mortgage-Backed [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized cost	$ 216,436		226,130
Unrealized Gains	5,746		1,910
Unrealized Losses	353		278
Fair Value	221,829		227,762
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	37,673		56,377
Less Than Twelve Months, Unrealized Losses	289		126
Twelve Months or More, Fair Value	5,166		13,551
Twelve Months or More, Unrealized Losses	64		152
Total, Fair Value	42,839		69,928
Total, Unrealized Losses	$ 353		278
Number of securities with market fair value less than amortized cost | Security	52
U.S. Agency Commercial Mortgage-Backed [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized cost	$ 9,665		10,671
Unrealized Gains	252		113
Unrealized Losses	1		28
Fair Value	9,916		10,756
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	0		3,284
Less Than Twelve Months, Unrealized Losses	0		24
Twelve Months or More, Fair Value	372		659
Twelve Months or More, Unrealized Losses	1		4
Total, Fair Value	372		3,943
Total, Unrealized Losses	$ 1		28
Number of securities with market fair value less than amortized cost | Security	6
Private Label Mortgage-Backed [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized cost	$ 38,188		39,248
Unrealized Gains	341		544
Unrealized Losses	1,458		99
Fair Value	37,071		39,693
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	22,232		16,387
Less Than Twelve Months, Unrealized Losses	1,388		55
Twelve Months or More, Fair Value	358		343
Twelve Months or More, Unrealized Losses	70		44
Total, Fair Value	22,590		16,730
Total, Unrealized Losses	$ 1,458		99
Number of securities with market fair value less than amortized cost | Security	35
Private Label Mortgage Backed Securities Below Investment Grade [Abstract]
Number of private label mortgage backed securities currently with OTTI unrealized gains | Security	2
Senior Security [Member]
Private Label Mortgage Backed Securities Below Investment Grade [Abstract]
Fair value	$ 469
Amortized cost	490
Non-credit unrealized loss	21
Unrealized gain	0
Cumulative credit related OTTI	757
Super Senior Security [Member]
Private Label Mortgage Backed Securities Below Investment Grade [Abstract]
Fair value	513
Amortized cost	410
Non-credit unrealized loss	0
Unrealized gain	103
Cumulative credit related OTTI	457
Other Asset Backed [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized cost	105,971		94,158
Unrealized Gains	79		103
Unrealized Losses	2,169		375
Fair Value	103,881		93,886
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	67,012		34,027
Less Than Twelve Months, Unrealized Losses	1,442		233
Twelve Months or More, Fair Value	18,910		13,839
Twelve Months or More, Unrealized Losses	727		142
Total, Fair Value	85,922		47,866
Total, Unrealized Losses	$ 2,169		375
Number of securities with market fair value less than amortized cost | Security	122
Obligations of States and Political Subdivisions [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized cost	$ 162,805		94,499
Unrealized Gains	2,477		1,724
Unrealized Losses	1,341		121
Fair Value	163,941		96,102
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	50,643		15,666
Less Than Twelve Months, Unrealized Losses	1,321		84
Twelve Months or More, Fair Value	2,213		5,396
Twelve Months or More, Unrealized Losses	20		37
Total, Fair Value	52,856		21,062
Total, Unrealized Losses	$ 1,341		121
Number of securities with market fair value less than amortized cost | Security	36
Corporate [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized cost	$ 42,392		31,904
Unrealized Gains	932		1,296
Unrealized Losses	513		5
Fair Value	42,811		33,195
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	14,556		2,125
Less Than Twelve Months, Unrealized Losses	513		5
Twelve Months or More, Fair Value	0		0
Twelve Months or More, Unrealized Losses	0		0
Total, Fair Value	14,556		2,125
Total, Unrealized Losses	$ 513		5
Number of securities with market fair value less than amortized cost | Security	18
Trust Preferred [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized cost	$ 1,968		1,968
Unrealized Gains	0		0
Unrealized Losses	477		125
Fair Value	1,491		1,843
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	0		0
Less Than Twelve Months, Unrealized Losses	0		0
Twelve Months or More, Fair Value	1,491		1,843
Twelve Months or More, Unrealized Losses	477		125
Total, Fair Value	1,491		1,843
Total, Unrealized Losses	$ 477		125
Number of securities with market fair value less than amortized cost | Security	2
Number of issues rated as investment grade | Security	1
Number of securities not rated | Security	1
Non-rated securities, amortized cost	$ 1,000
Fair value of non-rated trust preferred securities	650
Foreign Government [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized cost	499		499
Unrealized Gains	17		3
Unrealized Losses	0		0
Fair Value	$ 516		$ 502

Securities, Amortized Cost and

Securities, Amortized Cost and Fair Value Securities Available for Sale Contractual Maturities (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Available-for-sale Securities, Debt Maturities, Amortized Cost Basis, Fiscal Year Maturity [Abstract]
Maturing within one year	$ 13,075
Maturing after one year but within five years	61,789
Maturing after five years but within ten years	47,654
Maturing after ten years	97,794
Amortized cost	220,312
U.S. agency residential mortgage-backed	216,436
U.S. agency commercial mortgage-backed	9,665
Private label mortgage-backed	38,188
Other asset backed	105,971
Amortized cost	590,572	$ 513,668
Available-for-sale Securities, Debt Maturities, Fair Value, Fiscal Year Maturity [Abstract]
Maturing within one year	13,132
Maturing after one year but within five years	62,393
Maturing after five years but within ten years	48,967
Maturing after ten years	97,095
Total available-for-sale securities fair value	221,587
U.S. agency residential mortgage-backed	221,829
U.S. agency commercial mortgage-backed	9,916
Private label mortgage-backed	37,071
Other asset backed	103,881
Total	$ 594,284	$ 518,400

Securities, Gains and Losses Re

Securities, Gains and Losses Realized on Sale of Securities Available for Sale (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Gain and losses realized on sale of securities available for sale [Abstract]
Proceeds	$ 21,743	$ 42,236
Realized gains	253	169
Realized losses	$ 0	32
Trading securities, realized gain (loss)		$ 167

Loans, Allowance for Loan Losse

Loans, Allowance for Loan Losses (Details) - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2020	Mar. 31, 2019	Dec. 31, 2019
Analysis of allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		$ 26,148	$ 24,888
Additions (deductions) [Abstract]
Provision for loan losses		6,721	664
Recoveries credited to the allowance		399	568
Loans charged against the allowance		(773)	(866)
Balance at end of period		32,495	25,254
Allowance for loan losses [Abstract]
Individually evaluated for impairment		8,138		$ 6,155
Collectively evaluated for impairment		24,357		19,993
Total ending allowance for loan losses balance		32,495		26,148
Loans [Abstract]
Individually evaluated for impairment		63,301		55,892
Collectively evaluated for impairment		2,660,532		2,675,193
Total loans recorded investment		2,726,051		2,733,370
Accrued interest included in recorded investment		7,936		8,347
Total loans		2,718,115		2,725,023
Loans Acquired with Deteriorated Credit Quality [Member]
Allowance for loan losses [Abstract]
Loans acquired with deteriorated credit quality		0		0
Loans [Abstract]
Loans acquired with deteriorated credit quality		2,218		2,285
Commercial [Member]
Analysis of allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		7,922	7,090
Additions (deductions) [Abstract]
Provision for loan losses		2,218	420
Recoveries credited to the allowance		108	127
Loans charged against the allowance		(36)	(119)
Balance at end of period		10,212	7,518
Allowance for loan losses [Abstract]
Individually evaluated for impairment		3,467		1,031
Collectively evaluated for impairment		6,745		6,891
Total ending allowance for loan losses balance		10,212		7,922
Loans [Abstract]
Individually evaluated for impairment		18,048		9,393
Collectively evaluated for impairment		1,164,903		1,158,906
Total loans recorded investment		1,184,291		1,169,693
Accrued interest included in recorded investment		2,692		2,998
Total loans		1,181,599		1,166,695
Commercial [Member] | Loans Acquired with Deteriorated Credit Quality [Member]
Allowance for loan losses [Abstract]
Loans acquired with deteriorated credit quality		0		0
Loans [Abstract]
Loans acquired with deteriorated credit quality		1,340		1,394
Mortgage [Member]
Analysis of allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		8,216	7,978
Additions (deductions) [Abstract]
Provision for loan losses		(508)	573
Recoveries credited to the allowance		117	224
Loans charged against the allowance		(409)	(363)
Balance at end of period		7,416	8,412
Allowance for loan losses [Abstract]
Individually evaluated for impairment		4,391		4,863
Collectively evaluated for impairment		3,025		3,353
Total ending allowance for loan losses balance		7,416		8,216
Loans [Abstract]
Individually evaluated for impairment		42,440		43,574
Collectively evaluated for impairment		1,030,996		1,058,917
Total loans recorded investment		1,074,003		1,103,066
Accrued interest included in recorded investment	[1]	4,036		4,155
Total loans		1,069,967		1,098,911
Mortgage [Member] | Loans Acquired with Deteriorated Credit Quality [Member]
Allowance for loan losses [Abstract]
Loans acquired with deteriorated credit quality		0		0
Loans [Abstract]
Loans acquired with deteriorated credit quality		567		575
Installment [Member]
Analysis of allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		1,283	895
Additions (deductions) [Abstract]
Provision for loan losses		129	523
Recoveries credited to the allowance		174	217
Loans charged against the allowance		(328)	(384)
Balance at end of period		1,258	1,251
Allowance for loan losses [Abstract]
Individually evaluated for impairment		280		261
Collectively evaluated for impairment		978		1,022
Total ending allowance for loan losses balance		1,258		1,283
Loans [Abstract]
Individually evaluated for impairment		2,813		2,925
Collectively evaluated for impairment		464,633		457,370
Total loans recorded investment		467,757		460,611
Accrued interest included in recorded investment	[1]	1,208		1,194
Total loans		466,549		459,417
Installment [Member] | Loans Acquired with Deteriorated Credit Quality [Member]
Allowance for loan losses [Abstract]
Loans acquired with deteriorated credit quality		0		0
Loans [Abstract]
Loans acquired with deteriorated credit quality		311		316
Subjective Allocation [Member]
Analysis of allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		8,727	8,925
Additions (deductions) [Abstract]
Provision for loan losses		4,882	(852)
Recoveries credited to the allowance		0	0
Loans charged against the allowance		0	0
Balance at end of period		13,609	$ 8,073
Allowance for loan losses [Abstract]
Individually evaluated for impairment		0		0
Collectively evaluated for impairment		13,609		8,727
Total ending allowance for loan losses balance		13,609		8,727
Subjective Allocation [Member] | Loans Acquired with Deteriorated Credit Quality [Member]
Allowance for loan losses [Abstract]
Loans acquired with deteriorated credit quality		$ 0		$ 0
[1]	Credit scores have been updated within the last twelve months.

Loans, Receivables Past Due (De

Loans, Receivables Past Due (Details) - USD ($)		Mar. 31, 2020	Dec. 31, 2019
Non performing loans [Abstract]
Accrued interest included in recorded investment		$ 7,936,000	$ 8,347,000
Loans Past Due, 90+ days [Member]
Non performing loans [Abstract]
Accrued interest included in recorded investment		0	0
Commercial and Industrial [Member]
Non performing loans [Abstract]
Government guaranteed loans excluded from non-performing loans		53,000	77,000
1-4 Family Owner Occupied - Non-jumbo [Member]
Non performing loans [Abstract]
Government guaranteed loans excluded from non-performing loans		623,000	56,900
Commercial [Member]
Non performing loans [Abstract]
Accrued interest included in recorded investment		2,692,000	2,998,000
Mortgage [Member]
Non performing loans [Abstract]
Accrued interest included in recorded investment	[1]	4,036,000	4,155,000
Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member]
Non performing loans [Abstract]
Accrued interest included in recorded investment	[1]	1,264,000	1,139,000
Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member]
Non performing loans [Abstract]
Accrued interest included in recorded investment	[1]	1,522,000	1,662,000
Mortgage [Member] | 1-4 Non-owner Occupied [Member]
Non performing loans [Abstract]
Accrued interest included in recorded investment	[1]	562,000	586,000
Mortgage [Member] | 1-4 Family - 2nd Lien [Member]
Non performing loans [Abstract]
Accrued interest included in recorded investment	[1]	448,000	502,000
Mortgage [Member] | Resort Lending [Member]
Non performing loans [Abstract]
Accrued interest included in recorded investment	[1]	240,000	266,000
Installment [Member]
Non performing loans [Abstract]
Accrued interest included in recorded investment	[1]	1,208,000	1,194,000
Installment [Member] | Boat Lending [Member]
Non performing loans [Abstract]
Accrued interest included in recorded investment	[1]	472,000	490,000
Installment [Member] | Recreational Vehicle Lending [Member]
Non performing loans [Abstract]
Accrued interest included in recorded investment	[1]	366,000	378,000
Installment [Member] | Other [Member]
Non performing loans [Abstract]
Accrued interest included in recorded investment	[1]	370,000	326,000
Non-Performing Loans [Member]
Non performing loans [Abstract]
90+ and Still Accruing	[2]	0	0
Non-Accrual	[2]	16,778,000	9,532,000
Total Non-performing Loans	[2]	16,778,000	9,532,000
Accrued interest included in recorded investment	[2]	0	0
Non-Performing Loans [Member] | Loans Past Due, 90+ days [Member]
Non performing loans [Abstract]
Accrued interest included in recorded investment	[2]	0	0
Non-Performing Loans [Member] | Commercial [Member] | Commercial and Industrial [Member]
Non performing loans [Abstract]
90+ and Still Accruing	[2],[3]	0	0
Non-Accrual	[2],[3]	1,285,000	565,000
Total Non-performing Loans	[2],[3]	1,285,000	565,000
Non-Performing Loans [Member] | Commercial [Member] | Commercial Real Estate [Member]
Non performing loans [Abstract]
90+ and Still Accruing	[2]	0	0
Non-Accrual	[2]	7,756,000	735,000
Total Non-performing Loans	[2]	7,756,000	735,000
Non-Performing Loans [Member] | Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member]
Non performing loans [Abstract]
90+ and Still Accruing	[2]	0	0
Non-Accrual	[2]	2,356,000	1,179,000
Total Non-performing Loans	[2]	2,356,000	1,179,000
Non-Performing Loans [Member] | Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member]
Non performing loans [Abstract]
90+ and Still Accruing	[2],[4]	0	0
Non-Accrual	[2],[4]	1,804,000	3,540,000
Total Non-performing Loans	[2],[4]	1,804,000	3,540,000
Non-Performing Loans [Member] | Mortgage [Member] | 1-4 Non-owner Occupied [Member]
Non performing loans [Abstract]
90+ and Still Accruing	[2]	0	0
Non-Accrual	[2]	1,122,000	1,039,000
Total Non-performing Loans	[2]	1,122,000	1,039,000
Non-Performing Loans [Member] | Mortgage [Member] | 1-4 Family - 2nd Lien [Member]
Non performing loans [Abstract]
90+ and Still Accruing	[2]	0	0
Non-Accrual	[2]	1,326,000	979,000
Total Non-performing Loans	[2]	1,326,000	979,000
Non-Performing Loans [Member] | Mortgage [Member] | Resort Lending [Member]
Non performing loans [Abstract]
90+ and Still Accruing	[2]	0	0
Non-Accrual	[2]	438,000	690,000
Total Non-performing Loans	[2]	438,000	690,000
Non-Performing Loans [Member] | Installment [Member] | Boat Lending [Member]
Non performing loans [Abstract]
90+ and Still Accruing	[2]	0	0
Non-Accrual	[2]	150,000	332,000
Total Non-performing Loans	[2]	150,000	332,000
Non-Performing Loans [Member] | Installment [Member] | Recreational Vehicle Lending [Member]
Non performing loans [Abstract]
90+ and Still Accruing	[2]	0	0
Non-Accrual	[2]	84,000	3,000
Total Non-performing Loans	[2]	84,000	3,000
Non-Performing Loans [Member] | Installment [Member] | Other [Member]
Non performing loans [Abstract]
90+ and Still Accruing	[2]	0	0
Non-Accrual	[2]	457,000	470,000
Total Non-performing Loans	[2]	$ 457,000	$ 470,000
[1]	Credit scores have been updated within the last twelve months.
[2]	Non-performing loans exclude purchase credit impaired loans.
[3]	Non-performing commercial and industrial loans exclude $0.053 million and $0.077 million of government guaranteed loans at March 31, 2020 and December 31, 2019, respectively.
[4]	Non-performing 1-4 family owner occupied - non jumbo loans exclude $0.623 million and $0.569 million of government guaranteed loans at March 31, 2020 and December 31, 2019, respectively.

Loans, Aging Analysis of Loans

Loans, Aging Analysis of Loans by Class (Details) - USD ($) $ in Thousands		Mar. 31, 2020	Dec. 31, 2019
Aging analysis of loans by class [Abstract]
Total		$ 14,209	$ 14,476
Loans not Past Due		2,711,842	2,718,894
Total loans recorded investment		2,726,051	2,733,370
Accrued interest included in recorded investment		7,936	8,347
Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total		7,141	7,449
Accrued interest included in recorded investment		71	74
Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total		2,679	2,936
Accrued interest included in recorded investment		41	34
Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total		4,389	4,091
Accrued interest included in recorded investment		0	0
Loans Past Due Total [Member]
Aging analysis of loans by class [Abstract]
Accrued interest included in recorded investment		112	108
Loans Not Past Due [Member]
Aging analysis of loans by class [Abstract]
Accrued interest included in recorded investment		7,824	8,239
Commercial [Member]
Aging analysis of loans by class [Abstract]
Total loans recorded investment		1,184,291	1,169,693
Accrued interest included in recorded investment		2,692	2,998
Commercial [Member] | Commercial and Industrial [Member]
Aging analysis of loans by class [Abstract]
Total		409	391
Loans not Past Due		581,613	564,480
Total loans recorded investment		582,022	564,871
Commercial [Member] | Commercial and Industrial [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total		339	0
Commercial [Member] | Commercial and Industrial [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total		0	289
Commercial [Member] | Commercial and Industrial [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total		70	102
Commercial [Member] | Commercial Real Estate [Member]
Aging analysis of loans by class [Abstract]
Total			912
Loans not Past Due			603,910
Total loans recorded investment		602,269	604,822
Commercial [Member] | Commercial Real Estate [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total		175	177
Commercial [Member] | Commercial Real Estate [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total		0	0
Commercial [Member] | Commercial Real Estate [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total		0	735
Commercial [Member] | Commercial Real Estate [Member] | Loans Past Due Total [Member]
Aging analysis of loans by class [Abstract]
Total		175
Commercial [Member] | Commercial Real Estate [Member] | Loans Not Past Due [Member]
Aging analysis of loans by class [Abstract]
Loans not Past Due		602,094
Mortgage [Member]
Aging analysis of loans by class [Abstract]
Total loans recorded investment		1,074,003	1,103,066
Accrued interest included in recorded investment	[1]	4,036	4,155
Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member]
Aging analysis of loans by class [Abstract]
Total		3,294	2,794
Loans not Past Due		434,866	398,759
Total loans recorded investment		438,160	401,553
Accrued interest included in recorded investment	[1]	1,264	1,139
Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total		911	1,757
Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total		947	1,037
Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total		1,436	0
Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member]
Aging analysis of loans by class [Abstract]
Total		3,508	4,911
Loans not Past Due		284,956	342,349
Total loans recorded investment		288,464	347,260
Accrued interest included in recorded investment	[1]	1,522	1,662
Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total		2,296	2,672
Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total		628	852
Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total		584	1,387
Mortgage [Member] | 1-4 Non-owner Occupied [Member]
Aging analysis of loans by class [Abstract]
Total		2,077	1,454
Loans not Past Due		164,961	168,083
Total loans recorded investment		167,038	169,537
Accrued interest included in recorded investment	[1]	562	586
Mortgage [Member] | 1-4 Non-owner Occupied [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total		1,039	695
Mortgage [Member] | 1-4 Non-owner Occupied [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total		348	136
Mortgage [Member] | 1-4 Non-owner Occupied [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total		690	623
Mortgage [Member] | 1-4 Family - 2nd Lien [Member]
Aging analysis of loans by class [Abstract]
Total		2,297	1,385
Loans not Past Due		111,877	115,157
Total loans recorded investment		114,174	116,542
Accrued interest included in recorded investment	[1]	448	502
Mortgage [Member] | 1-4 Family - 2nd Lien [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total		980	909
Mortgage [Member] | 1-4 Family - 2nd Lien [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total		455	90
Mortgage [Member] | 1-4 Family - 2nd Lien [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total		862	386
Mortgage [Member] | Resort Lending [Member]
Aging analysis of loans by class [Abstract]
Total			982
Loans not Past Due			67,192
Total loans recorded investment		66,167	68,174
Accrued interest included in recorded investment	[1]	240	266
Mortgage [Member] | Resort Lending [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total		226	364
Mortgage [Member] | Resort Lending [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total		0	53
Mortgage [Member] | Resort Lending [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total		402	565
Mortgage [Member] | Resort Lending [Member] | Loans Past Due Total [Member]
Aging analysis of loans by class [Abstract]
Total		628
Mortgage [Member] | Resort Lending [Member] | Loans Not Past Due [Member]
Aging analysis of loans by class [Abstract]
Loans not Past Due		65,539
Installment [Member]
Aging analysis of loans by class [Abstract]
Total loans recorded investment		467,757	460,611
Accrued interest included in recorded investment	[1]	1,208	1,194
Installment [Member] | Boat Lending [Member]
Aging analysis of loans by class [Abstract]
Total		698	532
Loans not Past Due		205,019	202,750
Total loans recorded investment		205,717	203,282
Accrued interest included in recorded investment	[1]	472	490
Installment [Member] | Boat Lending [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total		548	337
Installment [Member] | Boat Lending [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total		75	107
Installment [Member] | Boat Lending [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total		75	88
Installment [Member] | Recreational Vehicle Lending [Member]
Aging analysis of loans by class [Abstract]
Total		338	261
Loans not Past Due		158,336	153,184
Total loans recorded investment		158,674	153,445
Accrued interest included in recorded investment	[1]	366	378
Installment [Member] | Recreational Vehicle Lending [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total		242	161
Installment [Member] | Recreational Vehicle Lending [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total		42	97
Installment [Member] | Recreational Vehicle Lending [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total		54	3
Installment [Member] | Other [Member]
Aging analysis of loans by class [Abstract]
Total		785	854
Loans not Past Due		102,581	103,030
Total loans recorded investment		103,366	103,884
Accrued interest included in recorded investment	[1]	370	326
Installment [Member] | Other [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total		385	377
Installment [Member] | Other [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total		184	275
Installment [Member] | Other [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total		$ 216	$ 202
[1]	Credit scores have been updated within the last twelve months.

Loans, Impaired Financing Recei

Loans, Impaired Financing Receivables (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019	Dec. 31, 2019
Impaired loans with no allocated allowance for loan losses [Abstract]
Troubled debt restructurings ("TDR")	$ 232		$ 337
Non - TDR	1,318		1,550
Impaired loans with an allocated allowance for loan losses [Abstract]
TDR - allowance based on collateral	9,535		1,587
TDR - allowance based on present value cash flow	40,769		48,798
Non - TDR - allowance based on collateral	11,205		3,365
Total impaired loans	63,059		55,637
Amount of allowance for loan losses allocated [Abstract]
TDR - allowance based on collateral	1,247		542
TDR - allowance based on present value cash flow	4,000		4,641
Non - TDR - allowance based on collateral	2,891		972
Total amount of allowance for loan losses allocated	8,138		6,155
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance for loan losses recorded	1,550		1,887
Unpaid Principal Balance, with no related allowance for loan losses recorded	2,057		2,115
With no related allowance for loan losses recorded	0		0
Recorded Investment, with an allowance for loan losses recorded	61,751		54,005
Unpaid Principal Balance, with an allowance for loan losses recorded	64,314		56,708
Recorded Investment	63,301		55,892
Unpaid Principal Balance	66,371		58,823
Related Allowance	8,138		6,155
Accrued interest included in recorded investment	242		255
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with no related allowance for loan losses recorded	1,721	$ 180
Interest Income Recognized, with no related allowance for loan losses recorded	8	0
Average Recorded Investment, with an allowance for loan losses recorded	57,880	57,938
Interest Income Recognized, with an allowance for loan losses recorded	878	765
Average Recorded Investment	59,601	58,118
Interest Income Recognized	886	765
Commercial [Member] | Commercial and Industrial [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance for loan losses recorded	84		257
Unpaid Principal Balance, with no related allowance for loan losses recorded	84		257
With no related allowance for loan losses recorded	0		0
Recorded Investment, with an allowance for loan losses recorded	2,409		1,655
Unpaid Principal Balance, with an allowance for loan losses recorded	2,496		1,706
Recorded Investment	2,493		1,912
Unpaid Principal Balance	2,580		1,963
Related Allowance	685		453
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with no related allowance for loan losses recorded	171	0
Interest Income Recognized, with no related allowance for loan losses recorded	1	0
Average Recorded Investment, with an allowance for loan losses recorded	2,032	3,278
Interest Income Recognized, with an allowance for loan losses recorded	38	20
Average Recorded Investment	2,203	3,278
Interest Income Recognized	39	20
Commercial [Member] | Commercial Real Estate [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance for loan losses recorded	0		796
Unpaid Principal Balance, with no related allowance for loan losses recorded	0		796
With no related allowance for loan losses recorded	0		0
Recorded Investment, with an allowance for loan losses recorded	15,555		6,685
Unpaid Principal Balance, with an allowance for loan losses recorded	15,479		6,661
Recorded Investment	15,555		7,481
Unpaid Principal Balance	15,479		7,457
Related Allowance	2,782		578
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with no related allowance for loan losses recorded	398	0
Interest Income Recognized, with no related allowance for loan losses recorded	0	0
Average Recorded Investment, with an allowance for loan losses recorded	11,120	5,035
Interest Income Recognized, with an allowance for loan losses recorded	223	67
Average Recorded Investment	11,518	5,035
Interest Income Recognized	223	67
Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance for loan losses recorded	154		0
Unpaid Principal Balance, with no related allowance for loan losses recorded	246		0
With no related allowance for loan losses recorded	0		0
Recorded Investment, with an allowance for loan losses recorded	23,413		1,447
Unpaid Principal Balance, with an allowance for loan losses recorded	24,861		1,445
Recorded Investment	23,567		1,447
Unpaid Principal Balance	25,107		1,445
Related Allowance	2,351		91
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with no related allowance for loan losses recorded	77	0
Interest Income Recognized, with no related allowance for loan losses recorded	1	0
Average Recorded Investment, with an allowance for loan losses recorded	12,430	1,579
Interest Income Recognized, with an allowance for loan losses recorded	360	27
Average Recorded Investment	12,507	1,579
Interest Income Recognized	361	27
Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance for loan losses recorded	385		212
Unpaid Principal Balance, with no related allowance for loan losses recorded	410		217
With no related allowance for loan losses recorded	0		0
Recorded Investment, with an allowance for loan losses recorded	598		10,163
Unpaid Principal Balance, with an allowance for loan losses recorded	652		10,695
Recorded Investment	983		10,375
Unpaid Principal Balance	1,062		10,912
Related Allowance	157		1,031
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with no related allowance for loan losses recorded	299	179
Interest Income Recognized, with no related allowance for loan losses recorded	4	0
Average Recorded Investment, with an allowance for loan losses recorded	5,381	18,579
Interest Income Recognized, with an allowance for loan losses recorded	4	356
Average Recorded Investment	5,680	18,758
Interest Income Recognized	8	356
Mortgage [Member] | 1-4 Non-owner Occupied [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance for loan losses recorded	389		214
Unpaid Principal Balance, with no related allowance for loan losses recorded	554		366
With no related allowance for loan losses recorded	0		0
Recorded Investment, with an allowance for loan losses recorded	4,606		4,962
Unpaid Principal Balance, with an allowance for loan losses recorded	5,052		5,542
Recorded Investment	4,995		5,176
Unpaid Principal Balance	5,606		5,908
Related Allowance	465		572
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with no related allowance for loan losses recorded	302	0
Interest Income Recognized, with no related allowance for loan losses recorded	2	0
Average Recorded Investment, with an allowance for loan losses recorded	4,784	4,069
Interest Income Recognized, with an allowance for loan losses recorded	66	64
Average Recorded Investment	5,086	4,069
Interest Income Recognized	68	64
Mortgage [Member] | 1-4 Family - 2nd Lien [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance for loan losses recorded	384		407
Unpaid Principal Balance, with no related allowance for loan losses recorded	384		438
With no related allowance for loan losses recorded	0		0
Recorded Investment, with an allowance for loan losses recorded	813		14,059
Unpaid Principal Balance, with an allowance for loan losses recorded	832		15,243
Recorded Investment	1,197		14,466
Unpaid Principal Balance	1,216		15,681
Related Allowance	214		1,695
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with no related allowance for loan losses recorded	396	0
Interest Income Recognized, with no related allowance for loan losses recorded	0	0
Average Recorded Investment, with an allowance for loan losses recorded	7,436	8,802
Interest Income Recognized, with an allowance for loan losses recorded	4	3
Average Recorded Investment	7,832	8,802
Interest Income Recognized	4	3
Mortgage [Member] | Resort Lending [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance for loan losses recorded	154		0
Unpaid Principal Balance, with no related allowance for loan losses recorded	379		0
With no related allowance for loan losses recorded	0		0
Recorded Investment, with an allowance for loan losses recorded	11,544		12,110
Unpaid Principal Balance, with an allowance for loan losses recorded	11,786		12,263
Recorded Investment	11,698		12,110
Unpaid Principal Balance	12,165		12,263
Related Allowance	1,204		1,474
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with no related allowance for loan losses recorded	77	0
Interest Income Recognized, with no related allowance for loan losses recorded	0	0
Average Recorded Investment, with an allowance for loan losses recorded	11,827	13,148
Interest Income Recognized, with an allowance for loan losses recorded	141	175
Average Recorded Investment	11,904	13,148
Interest Income Recognized	141	175
Installment [Member] | Boat Lending [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance for loan losses recorded	0		0
Unpaid Principal Balance, with no related allowance for loan losses recorded	0		0
With no related allowance for loan losses recorded	0		0
Recorded Investment, with an allowance for loan losses recorded	75		0
Unpaid Principal Balance, with an allowance for loan losses recorded	99		0
Recorded Investment	75		0
Unpaid Principal Balance	99		0
Related Allowance	27		0
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with no related allowance for loan losses recorded	0	0
Interest Income Recognized, with no related allowance for loan losses recorded	0	0
Average Recorded Investment, with an allowance for loan losses recorded	38	51
Interest Income Recognized, with an allowance for loan losses recorded	0	0
Average Recorded Investment	38	51
Interest Income Recognized	0	0
Installment [Member] | Recreational Vehicle Lending [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance for loan losses recorded	0		0
Unpaid Principal Balance, with no related allowance for loan losses recorded	0		0
With no related allowance for loan losses recorded	0		0
Recorded Investment, with an allowance for loan losses recorded	129		0
Unpaid Principal Balance, with an allowance for loan losses recorded	150		0
Recorded Investment	129		0
Unpaid Principal Balance	150		0
Related Allowance	32		0
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with no related allowance for loan losses recorded	0	0
Interest Income Recognized, with no related allowance for loan losses recorded	0	0
Average Recorded Investment, with an allowance for loan losses recorded	65	81
Interest Income Recognized, with an allowance for loan losses recorded	1	1
Average Recorded Investment	65	81
Interest Income Recognized	1	1
Installment [Member] | Other [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance for loan losses recorded	0		1
Unpaid Principal Balance, with no related allowance for loan losses recorded	0		41
With no related allowance for loan losses recorded	0		0
Recorded Investment, with an allowance for loan losses recorded	2,609		2,924
Unpaid Principal Balance, with an allowance for loan losses recorded	2,907		3,153
Recorded Investment	2,609		2,925
Unpaid Principal Balance	2,907		3,194
Related Allowance	221		$ 261
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with no related allowance for loan losses recorded	1	1
Interest Income Recognized, with no related allowance for loan losses recorded	0	0
Average Recorded Investment, with an allowance for loan losses recorded	2,767	3,316
Interest Income Recognized, with an allowance for loan losses recorded	41	52
Average Recorded Investment	2,768	3,317
Interest Income Recognized	$ 41	$ 52

Loans, Troubled Debt Restructur

Loans, Troubled Debt Restructurings (Details) $ in Thousands		3 Months Ended
		Mar. 31, 2020USD ($)PaymentContract	Mar. 31, 2019USD ($)Contract	Dec. 31, 2019USD ($)
Troubled Debt Restructuring [Abstract]
Troubled debt restructuring		$ 50,536		$ 50,722
Number of consecutive timely payments required | Payment		6
Troubled debt restructuring, specific reserve		$ 5,200		5,200
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract		7	4
Pre-modification recorded balance		$ 1,617	$ 390
Post-modification recorded balance		1,618	391
Increase in allowance for loan losses		270	10
Charge offs due to troubled debt restructurings		$ 0	0
Past due period for modified loans		90 days
Charge-offs on TDRs that subsequently defaulted		$ 0	$ 0
Minimum [Member]
Troubled Debt Restructuring [Abstract]
Modification of stated interest rate of loans, range of period		9 months
Modifications involving extension of maturity date, period range		1 month
Maximum [Member]
Troubled Debt Restructuring [Abstract]
Modification of stated interest rate of loans, range of period		36 months
Modification of stated interest rate of loans, range of period in certain circumstances		480 months
Modifications involving extension of maturity date, period range		60 months
Modifications involving extension of maturity date, period range in certain circumstances		230 months
Performing TDRs [Member]
Troubled Debt Restructuring [Abstract]
Troubled debt restructuring		$ 48,177		47,575
Non-performing TDRs [Member]
Troubled Debt Restructuring [Abstract]
Troubled debt restructuring	[1]	2,359		3,147
Commercial [Member]
Troubled Debt Restructuring [Abstract]
Troubled debt restructuring		9,188		8,514
Commercial [Member] | Performing TDRs [Member]
Troubled Debt Restructuring [Abstract]
Troubled debt restructuring		8,924		7,974
Commercial [Member] | Non-performing TDRs [Member]
Troubled Debt Restructuring [Abstract]
Troubled debt restructuring	[1]	$ 264		540
Commercial [Member] | Commercial and Industrial [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract		1	1
Pre-modification recorded balance		$ 99	$ 49
Post-modification recorded balance		$ 99	$ 49
Commercial [Member] | Commercial Real Estate [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract		3	0
Pre-modification recorded balance		$ 1,177	$ 0
Post-modification recorded balance		$ 1,177	$ 0
Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract		1	0
Pre-modification recorded balance		$ 281	$ 0
Post-modification recorded balance		$ 281	$ 0
Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract		0	1
Pre-modification recorded balance		$ 0	$ 281
Post-modification recorded balance		$ 0	$ 281
Mortgage [Member] | 1-4 Non-owner Occupied [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract		0	0
Pre-modification recorded balance		$ 0	$ 0
Post-modification recorded balance		$ 0	$ 0
Mortgage [Member] | 1-4 Family - 2nd Lien [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract		0	0
Pre-modification recorded balance		$ 0	$ 0
Post-modification recorded balance		$ 0	$ 0
Mortgage [Member] | Resort Lending [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract		0	0
Pre-modification recorded balance		$ 0	$ 0
Post-modification recorded balance		$ 0	$ 0
Installment [Member] | Boat Lending [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract		0	0
Pre-modification recorded balance		$ 0	$ 0
Post-modification recorded balance		$ 0	$ 0
Installment [Member] | Recreational Vehicle Lending [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract		0	0
Pre-modification recorded balance		$ 0	$ 0
Post-modification recorded balance		$ 0	$ 0
Installment [Member] | Other [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract		2	2
Pre-modification recorded balance		$ 60	$ 60
Post-modification recorded balance		61	$ 61
Retail [Member]
Troubled Debt Restructuring [Abstract]
Troubled debt restructuring	[2]	41,348		42,208
Retail [Member] | Performing TDRs [Member]
Troubled Debt Restructuring [Abstract]
Troubled debt restructuring	[2]	39,253		39,601
Retail [Member] | Non-performing TDRs [Member]
Troubled Debt Restructuring [Abstract]
Troubled debt restructuring	[1],[2],[3]	$ 2,095		$ 2,607
[1]	Included in non-performing loans table above.
[2]	Retail loans include mortgage and installment loan segments.
[3]	Also includes loans on non-accrual at the time of modification until six payments are received on a timely basis.

Loans, Non-TDR Loan Modificatio

Loans, Non-TDR Loan Modifications and Paycheck Protection Program ("PPP") Due to COVID-19 (Details) $ in Millions	3 Months Ended
	Mar. 31, 2020USD ($)Modification
Non-TDR Loan Modifications and Paycheck Protection Program ("PPP") due to COVID-19 [Abstract]
Interest only period for Commercial loans	3 months
Suspended payments period for Retail loans	3 months
Number of non-TDR loan modifications | Modification	366
Non-TDR loan modifications, portfolio loans outstanding | $	$ 86.9

Loans, Loan Ratings by Loan Cla

Loans, Loan Ratings by Loan Class, Commercial (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Summary of Loan Ratings by Loan Class [Abstract]
Loans	$ 2,726,051	$ 2,733,370
Accrued interest included in total	7,936	8,347
Commercial [Member]
Summary of Loan Ratings by Loan Class [Abstract]
Loans	1,184,291	1,169,693
Accrued interest included in total	2,692	2,998
Commercial [Member] | Non-Watch 1-6 [Member]
Summary of Loan Ratings by Loan Class [Abstract]
Loans	1,112,530	1,096,471
Accrued interest included in total	2,503	2,763
Commercial [Member] | Watch 7-8 [Member]
Summary of Loan Ratings by Loan Class [Abstract]
Loans	56,621	67,420
Accrued interest included in total	167	205
Commercial [Member] | Substandard Accrual 9 [Member]
Summary of Loan Ratings by Loan Class [Abstract]
Loans	6,099	4,502
Accrued interest included in total	22	30
Commercial [Member] | Non-Accrual 10-11 [Member]
Summary of Loan Ratings by Loan Class [Abstract]
Loans	9,041	1,300
Accrued interest included in total	0	0
Commercial [Member] | Commercial and Industrial [Member]
Summary of Loan Ratings by Loan Class [Abstract]
Loans	582,022	564,871
Commercial [Member] | Commercial and Industrial [Member] | Non-Watch 1-6 [Member]
Summary of Loan Ratings by Loan Class [Abstract]
Loans	534,064	515,955
Commercial [Member] | Commercial and Industrial [Member] | Watch 7-8 [Member]
Summary of Loan Ratings by Loan Class [Abstract]
Loans	42,460	44,384
Commercial [Member] | Commercial and Industrial [Member] | Substandard Accrual 9 [Member]
Summary of Loan Ratings by Loan Class [Abstract]
Loans	4,213	3,967
Commercial [Member] | Commercial and Industrial [Member] | Non-Accrual 10-11 [Member]
Summary of Loan Ratings by Loan Class [Abstract]
Loans	1,285	565
Commercial [Member] | Commercial Real Estate [Member]
Summary of Loan Ratings by Loan Class [Abstract]
Loans	602,269	604,822
Commercial [Member] | Commercial Real Estate [Member] | Non-Watch 1-6 [Member]
Summary of Loan Ratings by Loan Class [Abstract]
Loans	578,466	580,516
Commercial [Member] | Commercial Real Estate [Member] | Watch 7-8 [Member]
Summary of Loan Ratings by Loan Class [Abstract]
Loans	14,161	23,036
Commercial [Member] | Commercial Real Estate [Member] | Substandard Accrual 9 [Member]
Summary of Loan Ratings by Loan Class [Abstract]
Loans	1,886	535
Commercial [Member] | Commercial Real Estate [Member] | Non-Accrual 10-11 [Member]
Summary of Loan Ratings by Loan Class [Abstract]
Loans	$ 7,756	$ 735

Loans, Credit Scores by Loan Cl

Loans, Credit Scores by Loan Class, Mortgage and Installment Segments (Details) - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2020	Mar. 31, 2019	Dec. 31, 2019
Loan ratings/credit scores by loan class [Abstract]
Accrued interest included in total		$ 7,936		$ 8,347
Other Real Estate and Foreclosed Assets [Abstract]
Foreclosed residential real estate properties		1,000		1,200
Retail mortgage loans in process of foreclosure		700		700
Sale of Mortgage Loans [Abstract]
Proceeds from sale of loans		2,395	$ 40,630
Gain on sale of loans		8,840	3,611
Residential Fixed Rate Mortgage Loans [Member] | Freddie Mac [Member]
Sale of Mortgage Loans [Abstract]
Proceeds from sale of loans		26,200
Gain on sale of loans		720
Mortgage [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	[1]	131,902		141,630
750-799	[1]	457,816		474,044
700-749	[1]	286,421		281,835
650-699	[1]	119,855		119,052
600-649	[1]	44,857		47,236
550-599	[1]	16,578		17,061
500-549	[1]	12,419		13,499
Under 500	[1]	4,155		3,972
Unknown	[1]	0		4,737
Total	[1]	1,074,003		1,103,066
Accrued interest included in total	[1]	4,036		4,155
Mortgage [Member] | Residential Adjustable Rate Mortgage Loans [Member]
Sale of Mortgage Loans [Abstract]
Proceeds from sale of loans			40,600
Gain on sale of loans			10
Mortgage [Member] | Residential Fixed Rate Mortgage Loans [Member]
Sale of Mortgage Loans [Abstract]
Proceeds from sale of loans		2,400
Gain on sale of loans		700
Mortgage [Member] | Residential Fixed Rate Mortgage Loans [Member] | Freddie Mac [Member]
Sale of Mortgage Loans [Abstract]
Proceeds from sale of loans			29,800
Gain on sale of loans			$ 530
Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	[1]	50,414		48,486
750-799	[1]	209,339		198,491
700-749	[1]	114,474		106,609
650-699	[1]	37,985		31,553
600-649	[1]	16,755		13,230
550-599	[1]	4,101		514
500-549	[1]	3,693		1,519
Under 500	[1]	1,399		641
Unknown	[1]	0		510
Total	[1]	438,160		401,553
Accrued interest included in total	[1]	1,264		1,139
Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	[1]	34,580		43,848
750-799	[1]	87,685		111,521
700-749	[1]	90,784		95,064
650-699	[1]	43,241		51,174
600-649	[1]	16,693		21,938
550-599	[1]	8,571		12,308
500-549	[1]	5,236		7,940
Under 500	[1]	1,674		2,208
Unknown	[1]	0		1,259
Total	[1]	288,464		347,260
Accrued interest included in total	[1]	1,522		1,662
Mortgage [Member] | 1-4 Non-owner Occupied [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	[1]	23,209		24,315
750-799	[1]	83,613		84,656
700-749	[1]	35,455		34,839
650-699	[1]	15,242		13,995
600-649	[1]	5,548		5,897
550-599	[1]	1,751		1,863
500-549	[1]	1,714		1,870
Under 500	[1]	506		533
Unknown	[1]	0		1,569
Total	[1]	167,038		169,537
Accrued interest included in total	[1]	562		586
Mortgage [Member] | 1-4 Family - 2nd Lien [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	[1]	13,108		13,905
750-799	[1]	48,332		50,012
700-749	[1]	31,576		30,697
650-699	[1]	14,107		14,267
600-649	[1]	3,848		4,097
550-599	[1]	1,496		1,703
500-549	[1]	1,208		1,281
Under 500	[1]	499		511
Unknown	[1]	0		69
Total	[1]	114,174		116,542
Accrued interest included in total	[1]	448		502
Mortgage [Member] | Resort Lending [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	[1]	10,591		11,076
750-799	[1]	28,847		29,364
700-749	[1]	14,132		14,626
650-699	[1]	9,280		8,063
600-649	[1]	2,013		2,074
550-599	[1]	659		673
500-549	[1]	568		889
Under 500	[1]	77		79
Unknown	[1]	0		1,330
Total	[1]	66,167		68,174
Accrued interest included in total	[1]	240		266
Installment [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	[1]	62,572		60,122
750-799	[1]	248,555		244,127
700-749	[1]	101,551		99,749
650-699	[1]	41,043		41,269
600-649	[1]	7,623		8,135
550-599	[1]	3,373		3,422
500-549	[1]	1,739		1,968
Under 500	[1]	545		615
Unknown	[1]	756		1,204
Total	[1]	467,757		460,611
Accrued interest included in total	[1]	1,208		1,194
Installment [Member] | Boat Lending [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	[1]	28,885		28,041
750-799	[1]	120,261		118,380
700-749	[1]	41,494		41,490
650-699	[1]	11,320		11,485
600-649	[1]	2,117		2,254
550-599	[1]	1,029		946
500-549	[1]	319		377
Under 500	[1]	292		309
Unknown	[1]	0		0
Total	[1]	205,717		203,282
Accrued interest included in total	[1]	472		490
Installment [Member] | Recreational Vehicle Lending [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	[1]	26,056		24,470
750-799	[1]	90,484		88,164
700-749	[1]	32,596		31,055
650-699	[1]	7,116		7,267
600-649	[1]	1,391		1,411
550-599	[1]	580		592
500-549	[1]	429		464
Under 500	[1]	22		22
Unknown	[1]	0		0
Total	[1]	158,674		153,445
Accrued interest included in total	[1]	366		378
Installment [Member] | Other [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	[1]	7,631		7,611
750-799	[1]	37,810		37,583
700-749	[1]	27,461		27,204
650-699	[1]	22,607		22,517
600-649	[1]	4,115		4,470
550-599	[1]	1,764		1,884
500-549	[1]	991		1,127
Under 500	[1]	231		284
Unknown	[1]	756		1,204
Total	[1]	103,366		103,884
Accrued interest included in total	[1]	$ 370		$ 326
[1]	Credit scores have been updated within the last twelve months.

Loans, Purchase Credit Impaired

Loans, Purchase Credit Impaired ("PCI") Loans (Details) - TCSB Bancorp, Inc. [Member] - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019	Dec. 31, 2019
Carrying amount of loans that meet the criteria of ASC 310-30 treatment [Abstract]
Total carrying amount	$ 2,218		$ 2,285
Allowance for loan losses	0		0
Carrying amount, net of allowance for loan losses	2,218		2,285
Accretable yield of PCI loans, or income expected to be collected [Roll Forward]
Balance at beginning of period	640	$ 462
New loans purchased	0	0
Accretion recorded as loan interest income	(32)	(39)
Reclassification from (to) nonaccretable difference	0	365
Disposals/other adjustments	0	0
Balance at end of period	608	$ 788
Commercial [Member]
Carrying amount of loans that meet the criteria of ASC 310-30 treatment [Abstract]
Total carrying amount	1,340		1,394
Mortgage [Member]
Carrying amount of loans that meet the criteria of ASC 310-30 treatment [Abstract]
Total carrying amount	567		575
Installment [Member]
Carrying amount of loans that meet the criteria of ASC 310-30 treatment [Abstract]
Total carrying amount	$ 311		$ 316

Shareholders' Equity and Earn_3

Shareholders' Equity and Earnings Per Common Share (Details) - USD ($) $ / shares in Units, $ in Thousands		3 Months Ended
		Mar. 31, 2020	Mar. 31, 2019	Dec. 17, 2019
Share Repurchase Plan [Abstract]
Stock repurchased (in shares)		678,929	115,787
Stock repurchased		$ 13,784	$ 2,530
Earnings Per Share Reconciliation [Abstract]
Net income		$ 4,810	$ 9,381
Weighted average shares outstanding (in shares)	[1]	22,271,000	23,588,000
Stock units for deferred compensation plan for non-employee directors (in shares)		122,000	130,000
Effect of stock options (in shares)		99,000	127,000
Performance share units (in shares)		37,000	40,000
Weighted average shares outstanding for calculation of diluted earnings per share (in shares)		22,529,000	23,885,000
Net income per common share [Abstract]
Basic (in dollars per share)	[1]	$ 0.22	$ 0.40
Diluted (in dollars per share)		$ 0.21	$ 0.39
Common Stock [Member]
Share Repurchase Plan [Abstract]
Number of shares authorized for repurchase (in shares)				1,120,000
Stock repurchased (in shares)		678,929	115,787
Stock repurchased		$ 13,784	$ 2,530
Stock Options [Member]
Antidilutive Securities [Abstract]
Antidilutive shares excluded from computation of diluted loss per share (in shares)		0	0
[1]	Basic net income per common share includes weighted average common shares outstanding during the period and participating share awards.

Derivative Financial Instrume_3

Derivative Financial Instruments (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2020	Dec. 31, 2019
Derivative financial instrument according to type of hedge [Abstract]
Unrealized losses on cash flow hedges, net of tax	$ (1,300)
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives	17,610	$ 5,464
Liability Derivatives	$ 15,286	4,402
Maximum [Member]
Derivative financial instrument according to type of hedge [Abstract]
Term of cash flow hedge	1 year 4 months 24 days
Cash Flow Hedge Designation [Member]
Derivative financial instrument according to type of hedge [Abstract]
Notional Amount		$ 175,000
Average Maturity		2 years 6 months
Fair Value		$ 40
Cash Flow Hedge Designation [Member] | Interest-Rate Cap Agreements [Member]
Derivative financial instrument according to type of hedge [Abstract]
Notional Amount		$ 150,000
Average Maturity		2 years 7 months 6 days
Fair Value		$ 214
Designated as Hedging Instrument [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives	$ 0	214
Liability Derivatives	1,332	416
No Hedge Designation [Member]
Derivative financial instrument according to type of hedge [Abstract]
Notional Amount	$ 801,902	$ 458,279
Average Maturity	2 years 7 months 6 days	3 years 8 months 12 days
Fair Value	$ 3,656	$ 1,264
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives	17,610	5,250
Liability Derivatives	13,954	3,986
No Hedge Designation [Member] | Rate-Lock Mortgage Loan Commitments [Member]
Derivative financial instrument according to type of hedge [Abstract]
Notional Amount	$ 145,077	$ 49,268
Average Maturity	1 month 6 days	1 month 6 days
Fair Value	$ 5,732	$ 1,412
No Hedge Designation [Member] | Mandatory Commitments to Sell Mortgage Loans [Member]
Derivative financial instrument according to type of hedge [Abstract]
Notional Amount	$ 176,165	$ 95,363
Average Maturity	1 month 6 days	1 month 6 days
Fair Value	$ (2,104)	$ (150)
No Hedge Designation [Member] | Interest-Rate Cap Agreements [Member]
Derivative financial instrument according to type of hedge [Abstract]
Notional Amount	$ 150,000
Average Maturity	2 years 3 months 18 days
Fair Value	$ 27
No Hedge Designation [Member] | Purchased Options [Member]
Derivative financial instrument according to type of hedge [Abstract]
Notional Amount	$ 2,908	$ 2,908
Average Maturity	1 year 3 months 18 days	1 year 6 months
Fair Value	$ 37	$ 141
No Hedge Designation [Member] | Written Options [Member]
Derivative financial instrument according to type of hedge [Abstract]
Notional Amount	$ 2,848	$ 2,848
Average Maturity	1 year 3 months 18 days	1 year 6 months
Fair Value	$ (36)	$ (139)
Fixed Income Interest Rate [Member] | Fair Value Hedge Designation [Member] | Interest Rate Swap [Member]
Derivative financial instrument according to type of hedge [Abstract]
Notional Amount	$ 7,117	$ 7,117
Average Maturity	9 years 1 month 6 days	9 years 4 months 24 days
Fair Value	$ (788)	$ (242)
Fixed Income Interest Rate [Member] | Cash Flow Hedge Designation [Member] | Interest Rate Swap [Member]
Derivative financial instrument according to type of hedge [Abstract]
Notional Amount	$ 25,000	$ 25,000
Average Maturity	1 year 3 months 18 days	1 year 7 months 6 days
Fair Value	$ (544)	$ (174)
Fixed Income Interest Rate [Member] | No Hedge Designation [Member] | Interest Rate Swap [Member]
Derivative financial instrument according to type of hedge [Abstract]
Notional Amount	$ 162,452	$ 153,946
Average Maturity	5 years 3 months 18 days	5 years 6 months
Fair Value	$ (11,814)	$ (3,641)
Variable Income Interest Rate [Member] | No Hedge Designation [Member] | Interest Rate Swap [Member]
Derivative financial instrument according to type of hedge [Abstract]
Notional Amount	$ 162,452	$ 153,946
Average Maturity	5 years 3 months 18 days	5 years 6 months
Fair Value	$ 11,814	$ 3,641
Other Assets [Member] | Designated as Hedging Instrument [Member] | Interest-Rate Cap Agreements [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives	0	214
Other Assets [Member] | No Hedge Designation [Member] | Rate-Lock Mortgage Loan Commitments [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives	5,732	1,412
Other Assets [Member] | No Hedge Designation [Member] | Mandatory Commitments to Sell Mortgage Loans [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives	0	0
Other Assets [Member] | No Hedge Designation [Member] | Interest-Rate Cap Agreements [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives	27	0
Other Assets [Member] | No Hedge Designation [Member] | Purchased Options [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives	37	141
Other Assets [Member] | No Hedge Designation [Member] | Written Options [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives	0	0
Other Assets [Member] | Fixed Income Interest Rate [Member] | Designated as Hedging Instrument [Member] | Interest Rate Swap [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives	0	0
Other Assets [Member] | Fixed Income Interest Rate [Member] | No Hedge Designation [Member] | Interest Rate Swap [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives	0	28
Other Assets [Member] | Variable Income Interest Rate [Member] | No Hedge Designation [Member] | Interest Rate Swap [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives	11,814	3,669
Other Liabilities [Member] | Designated as Hedging Instrument [Member] | Interest-Rate Cap Agreements [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Liability Derivatives	0	0
Other Liabilities [Member] | No Hedge Designation [Member] | Rate-Lock Mortgage Loan Commitments [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Liability Derivatives	0	0
Other Liabilities [Member] | No Hedge Designation [Member] | Mandatory Commitments to Sell Mortgage Loans [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Liability Derivatives	2,104	150
Other Liabilities [Member] | No Hedge Designation [Member] | Interest-Rate Cap Agreements [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Liability Derivatives	0	0
Other Liabilities [Member] | No Hedge Designation [Member] | Purchased Options [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Liability Derivatives	0	0
Other Liabilities [Member] | No Hedge Designation [Member] | Written Options [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Liability Derivatives	36	139
Other Liabilities [Member] | Fixed Income Interest Rate [Member] | Designated as Hedging Instrument [Member] | Interest Rate Swap [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Liability Derivatives	1,332	416
Other Liabilities [Member] | Fixed Income Interest Rate [Member] | No Hedge Designation [Member] | Interest Rate Swap [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Liability Derivatives	11,814	3,669
Other Liabilities [Member] | Variable Income Interest Rate [Member] | No Hedge Designation [Member] | Interest Rate Swap [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Liability Derivatives	$ 0	$ 28

Derivative Financial Instrume_4

Derivative Financial Instruments, Effect on Statement of Operations (Details) - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2020	Mar. 31, 2019
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Other Comprehensive Income (Loss) (Effective Portion)		$ (406)	$ (912)
Fair Value Hedge Designation [Member] | Interest Rate Swap [Member] | Non-Interest Income-Other [Member]
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income	[1]	(546)	0
Cash Flow Hedge Designation [Member]
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Other Comprehensive Income (Loss) (Effective Portion)		(406)	(912)
Gain (Loss) Reclassified from Accumulated Other Comprehensive Loss into Income (Effective Portion)		(75)	149
Gain (Loss) Recognized in Income	[1]	0	0
Cash Flow Hedge Designation [Member] | Interest-Rate Cap Agreements [Member]
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Other Comprehensive Income (Loss) (Effective Portion)		(14)	(785)
Cash Flow Hedge Designation [Member] | Interest-Rate Cap Agreements [Member] | Interest Expense [Member]
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Reclassified from Accumulated Other Comprehensive Loss into Income (Effective Portion)		(53)	118
Gain (Loss) Recognized in Income	[1]	0	0
Cash Flow Hedge Designation [Member] | Fixed Income Interest Rate [Member] | Interest Rate Swap [Member]
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Other Comprehensive Income (Loss) (Effective Portion)		(392)	(127)
Cash Flow Hedge Designation [Member] | Fixed Income Interest Rate [Member] | Interest Rate Swap [Member] | Interest Expense [Member]
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Reclassified from Accumulated Other Comprehensive Loss into Income (Effective Portion)		(22)	31
Gain (Loss) Recognized in Income	[1]	0	0
No Hedge Designation [Member]
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income		2,330	805
No Hedge Designation [Member] | Interest-Rate Cap Agreements [Member] | Interest Expense [Member]
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income		(35)	0
No Hedge Designation [Member] | Rate-Lock Mortgage Loan Commitments [Member] | Mortgage Loan Gains [Member]
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income		4,320	629
No Hedge Designation [Member] | Mandatory Commitments to Sell Mortgage Loans [Member] | Mortgage Loan Gains [Member]
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income		(1,954)	174
No Hedge Designation [Member] | Purchased Options [Member] | Interest Expense [Member]
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income		(104)	86
No Hedge Designation [Member] | Written Options [Member] | Interest Expense [Member]
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income		103	(84)
No Hedge Designation [Member] | Fixed Income Interest Rate [Member] | Interest Rate Swap [Member] | Interest Income [Member]
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income		(8,173)	(1,147)
No Hedge Designation [Member] | Variable Income Interest Rate [Member] | Interest Rate Swap [Member] | Interest Income [Member]
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income		$ 8,173	$ 1,147
[1]	For cash flow hedges, this location and amount refers to the ineffective portion.

Goodwill and Other Intangible_2

Goodwill and Other Intangibles (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Mar. 31, 2020
Amortized intangible assets - core deposits [Abstract]
Gross Carrying Amount	$ 11,916	$ 11,916
Accumulated Amortization	6,590	6,845
Unamortized intangible assets - goodwill [Abstract]
Gross Carrying Amount	28,300	28,300
Goodwill impairment	$ 0
Summary of estimated core deposit intangible amortization [Abstract]
Nine months ending December 31, 2020		765
2021		970
2022		785
2023		547
2024		516
2025 and thereafter		1,488
Total		$ 5,071

Share Based Compensation (Detai

Share Based Compensation (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Share Based Compensation [Abstract]
Number of additional shares approved for grant (in shares)	400,000
Shares issued on deferral basis credited percentage of current value	90.00%
Total compensation cost not yet recognized	$ 3,200
Total compensation cost not yet recognized, period for recognition	2 years 4 months 24 days
Long-Term Incentive Plan [Member]
Share Based Compensation [Abstract]
Total compensation expense recognized	$ 500	$ 400
Tax benefit relating to compensation expense recognized	$ 100	$ 100
Restricted Stock [Member] | Long-Term Incentive Plan [Member]
Share Based Compensation [Abstract]
Restricted stock and Performance stock units granted (in shares)	52,996	52,716
Restricted Stock [Member] | Long-Term Incentive Plan [Member] | Vesting Over Three Years [Member]
Share Based Compensation [Abstract]
Restricted stock and Performance stock units granted (in shares)		2,000
Vesting period		3 years
Restricted Stock [Member] | Long-Term Incentive Plan [Member] | Cliff Vest After Three Years [Member]
Share Based Compensation [Abstract]
Vesting period	3 years	3 years
Performance Stock Units [Member] | Long-Term Incentive Plan [Member]
Share Based Compensation [Abstract]
Restricted stock and Performance stock units granted (in shares)	20,897	22,016
Vesting period		3 years
Performance feature comparison period	3 years
Performance Stock Units [Member] | Long-Term Incentive Plan [Member] | Cliff Vest After Three Years [Member]
Share Based Compensation [Abstract]
Vesting period	3 years
Non-Employee Directors [Member]
Share Based Compensation [Abstract]
Number of additional shares approved for grant (in shares)	200,000
Total compensation expense recognized	$ 90	$ 50
Tax benefit relating to compensation expense recognized	$ 200	$ 10
Directors [Member]
Share Based Compensation [Abstract]
Shares issues as retainer fees (in shares)	4,000	3,000

Share Based Compensation, Outst

Share Based Compensation, Outstanding Stock Option Grants and Related Transactions (Details) - Stock Options [Member] $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2020USD ($)$ / sharesshares
Number of Shares [Roll Forward]
Outstanding, beginning balance (in shares)	138,506
Granted (in shares)	0
Exercised (in shares)	(11,567)
Forfeited (in shares)	0
Expired (in shares)	0
Outstanding, ending balance (in shares)	126,939
Vested and expected to vest, period end (in shares)	126,939
Exercisable, period end (in shares)	126,939
Average Exercise Price [Roll Forward]
Outstanding, beginning balance (in dollars per share) | $ / shares	$ 4.62
Exercised (in dollars per share) | $ / shares	3.54
Outstanding, ending balance (in dollars per share) | $ / shares	4.71
Vested and expected to vest, period end (in dollars per share) | $ / shares	4.71
Exercisable, period end (in dollars per share) | $ / shares	$ 4.71
Weighted-Average Remaining Contractual Term (Years) [Abstract]
Outstanding, weighted average remaining contractual term	2 years 9 months 18 days
Vested and expected to vest, weighted-average remaining contractual term	2 years 9 months 18 days
Exercisable, weighted average remaining contractual term	2 years 9 months 18 days
Aggregate Intrinsic Value [Abstract]
Outstanding, aggregate intrinsic value | $	$ 1,044
Vested and expected to vest, aggregate intrinsic value | $	1,044
Exercisable, aggregate intrinsic value | $	$ 1,044

Share Based Compensation, Out_2

Share Based Compensation, Outstanding Non-vested Restricted Stock and PSUs and Related Transactions (Details) - Non-vested Restricted Stock and PSU's [Member]	3 Months Ended
	Mar. 31, 2020$ / sharesshares
Number of Shares [Roll Forward]
Outstanding, beginning balance (in shares) | shares	245,726
Granted (in shares) | shares	73,893
Vested (in shares) | shares	(64,263)
Forfeited (in shares) | shares	(5,468)
Outstanding, ending balance (in shares) | shares	249,888
Weighted Average Grant Date Fair Value [Roll Forward]
Outstanding, beginning balance (in dollars per share) | $ / shares	$ 21.72
Granted (in dollars per share) | $ / shares	22.80
Vested (in dollars per share) | $ / shares	21.24
Forfeited (in dollars per share) | $ / shares	23.71
Outstanding, ending balance (in dollars per share) | $ / shares	$ 22.12

Share Based Compensation, Optio

Share Based Compensation, Options Exercised During the Periods (Details) - Stock Options [Member] - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Information regarding options exercised [Abstract]
Intrinsic value	$ 210	$ 836
Cash proceeds received	41	695
Tax benefit realized	$ 44	$ 176

Income Tax (Details)

Income Tax (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019	Dec. 31, 2019
Income Tax [Abstract]
Income tax expense	$ 945	$ 2,167
Decrease in income tax expense	200	$ 200
Gross unrecognized tax benefits	$ 400		$ 400

Regulatory Matters (Details)

Regulatory Matters (Details) - USD ($) $ in Thousands		3 Months Ended	12 Months Ended
		Mar. 31, 2020	Dec. 31, 2019	Mar. 31, 2019	Dec. 31, 2018
Regulatory Matters [Abstract]
Undivided profits		$ 41,600
Tier 1 capital to average assets [Abstract]
Capital conservation buffer		2.50%	2.50%
Components of regulatory capital [Abstract]
Total shareholders' equity		$ 335,618	$ 350,169	$ 344,726	$ 338,994
Add (deduct) [Abstract]
Accumulated other comprehensive (income) loss for regulatory purposes		(4,854)	(3,786)
Consolidated [Member]
Total capital to risk-weighted assets [Abstract]
Total risk-based capital	[1]	$ 373,709	$ 380,454
Actual, Ratio	[1]	13.38%	13.74%
Minimum for Adequately Capitalized Institutions, Amount	[1]	$ 223,472	$ 221,562
Minimum for Adequately Capitalized Institutions, Ratio	[1]	8.00%	8.00%
Tier 1 capital to risk-weighted assets [Abstract]
Actual, Amount	[1]	$ 339,553	$ 352,764
Actual, Ratio	[1]	12.16%	12.74%
Minimum for Adequately Capitalized Institutions, Amount	[1]	$ 167,604	$ 166,171
Minimum for Adequately Capitalized Institutions, Ratio	[1]	6.00%	6.00%
Common equity tier 1 capital to risk-weighted assets [Abstract]
Actual, Amount	[1]	$ 301,304	$ 314,532
Actual, Ratio	[1]	10.79%	11.36%
Minimum for Adequately Capitalized Institutions, Amount	[1]	$ 125,703	$ 124,628
Minimum for Adequately Capitalized Institutions, Ratio	[1]	4.50%	4.50%
Tier 1 capital to average assets [Abstract]
Tier 1 capital	[1]	$ 339,553	$ 352,764
Actual, Ratio	[1]	9.63%	10.11%
Minimum for Adequately Capitalized Institutions, Amount	[1]	$ 141,089	$ 139,632
Minimum for Adequately Capitalized Institutions, Ratio	[1]	4.00%	4.00%
Components of regulatory capital [Abstract]
Total shareholders' equity		$ 335,618	$ 350,169
Add (deduct) [Abstract]
Accumulated other comprehensive (income) loss for regulatory purposes		(943)	(2,011)
Goodwill and other intangibles		(33,371)	(33,626)
Disallowed deferred tax assets		0	0
Common equity tier 1 capital	[1]	301,304	314,532
Qualifying trust preferred securities		38,249	38,232
Tier 1 capital	[1]	339,553	352,764
Allowance for loan losses and allowance for unfunded lending commitments limited to 1.25% of total risk-weighted assets		34,156	27,690
Total risk-based capital	[1]	373,709	380,454
Independent Bank [Member]
Total capital to risk-weighted assets [Abstract]
Total risk-based capital	[1]	$ 362,547	$ 358,914
Actual, Ratio	[1]	12.98%	12.96%
Minimum for Adequately Capitalized Institutions, Amount	[1]	$ 223,405	$ 221,482
Minimum for Adequately Capitalized Institutions, Ratio	[1]	8.00%	8.00%
Minimum for Well-Capitalized Institutions, Amount	[1]	$ 279,256	$ 276,852
Minimum for Well-Capitalized Institutions, Ratio	[1]	10.00%	10.00%
Tier 1 capital to risk-weighted assets [Abstract]
Actual, Amount	[1]	$ 328,391	$ 331,224
Actual, Ratio	[1]	11.76%	11.96%
Minimum for Adequately Capitalized Institutions, Amount	[1]	$ 167,554	$ 166,111
Minimum for Adequately Capitalized Institutions, Ratio	[1]	6.00%	6.00%
Minimum for Well-Capitalized Institutions, Amount	[1]	$ 223,405	$ 221,482
Minimum for Well-Capitalized Institutions, Ratio	[1]	8.00%	8.00%
Common equity tier 1 capital to risk-weighted assets [Abstract]
Actual, Amount	[1]	$ 328,391	$ 331,224
Actual, Ratio	[1]	11.76%	11.96%
Minimum for Adequately Capitalized Institutions, Amount	[1]	$ 125,665	$ 124,583
Minimum for Adequately Capitalized Institutions, Ratio	[1]	4.50%	4.50%
Minimum for Well-Capitalized Institutions, Amount	[1]	$ 181,516	$ 179,954
Minimum for Well-Capitalized Institutions, Ratio	[1]	6.50%	6.50%
Tier 1 capital to average assets [Abstract]
Tier 1 capital	[1]	$ 328,391	$ 331,224
Actual, Ratio	[1]	9.31%	9.49%
Minimum for Adequately Capitalized Institutions, Amount	[1]	$ 141,099	$ 139,615
Minimum for Adequately Capitalized Institutions, Ratio	[1]	4.00%	4.00%
Minimum for Well-Capitalized Institutions, Amount	[1]	$ 176,373	$ 174,519
Minimum for Well-Capitalized Institutions, Ratio	[1]	5.00%	5.00%
Components of regulatory capital [Abstract]
Total shareholders' equity		$ 362,705	$ 366,861
Add (deduct) [Abstract]
Accumulated other comprehensive (income) loss for regulatory purposes		(943)	(2,011)
Goodwill and other intangibles		(33,371)	(33,626)
Disallowed deferred tax assets		0	0
Common equity tier 1 capital	[1]	328,391	331,224
Qualifying trust preferred securities		0	0
Tier 1 capital	[1]	328,391	331,224
Allowance for loan losses and allowance for unfunded lending commitments limited to 1.25% of total risk-weighted assets		34,156	27,690
Total risk-based capital	[1]	$ 362,547	$ 358,914
[1]	These ratios do not reflect a capital conservation buffer of 2.50% at March 31, 2020 and December 31, 2019, respectfully.

Fair Value Disclosures, Signifi

Fair Value Disclosures, Significant Assumptions (Details) - USD ($) $ in Thousands		Mar. 31, 2020		Dec. 31, 2019
Assets [Abstract]
Securities available for sale		$ 594,284		$ 518,400
Loans held for sale, carried at fair value		64,549		69,800
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets [Abstract]
Securities available for sale		0		0
Derivatives		0		0
Liabilities [Abstract]
Derivatives		0		0
Significant Other Observable Inputs (Level 2) [Member]
Assets [Abstract]
Securities available for sale		594,284		518,400
Derivatives		17,610		5,464
Liabilities [Abstract]
Derivatives		15,286		4,402
Significant Un-observable Inputs (Level 3) [Member]
Assets [Abstract]
Securities available for sale		0		0
Derivatives		0		0
Liabilities [Abstract]
Derivatives		0		0
Recurring Basis [Member]
Assets [Abstract]
Loans held for sale, carried at fair value		64,549		69,800
Capitalized mortgage loan servicing rights		14,829		19,171
Derivatives	[1]	17,610		5,464
Liabilities [Abstract]
Derivatives	[2]	15,286		4,402
Recurring Basis [Member] | U.S. Agency [Member]
Assets [Abstract]
Securities available for sale		12,828		14,661
Recurring Basis [Member] | U.S. Agency Residential Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		221,829		227,762
Recurring Basis [Member] | U.S. Agency Commercial Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		9,916		10,756
Recurring Basis [Member] | Private Label Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		37,071		39,693
Recurring Basis [Member] | Other Asset Backed [Member]
Assets [Abstract]
Securities available for sale		103,881		93,886
Recurring Basis [Member] | Obligations of States and Political Subdivisions [Member]
Assets [Abstract]
Securities available for sale		163,941		96,102
Recurring Basis [Member] | Corporate [Member]
Assets [Abstract]
Securities available for sale		42,811		33,195
Recurring Basis [Member] | Trust Preferred [Member]
Assets [Abstract]
Securities available for sale		1,491		1,843
Recurring Basis [Member] | Foreign Government [Member]
Assets [Abstract]
Securities available for sale		516		502
Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets [Abstract]
Loans held for sale, carried at fair value		0		0
Capitalized mortgage loan servicing rights		0		0
Derivatives	[1]	0		0
Liabilities [Abstract]
Derivatives	[2]	0		0
Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | U.S. Agency [Member]
Assets [Abstract]
Securities available for sale		0		0
Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | U.S. Agency Residential Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		0		0
Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | U.S. Agency Commercial Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		0		0
Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Private Label Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		0		0
Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Other Asset Backed [Member]
Assets [Abstract]
Securities available for sale		0		0
Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Obligations of States and Political Subdivisions [Member]
Assets [Abstract]
Securities available for sale		0		0
Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Corporate [Member]
Assets [Abstract]
Securities available for sale		0		0
Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Trust Preferred [Member]
Assets [Abstract]
Securities available for sale		0		0
Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Foreign Government [Member]
Assets [Abstract]
Securities available for sale		0		0
Recurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member]
Assets [Abstract]
Loans held for sale, carried at fair value		64,549		69,800
Capitalized mortgage loan servicing rights		0		0
Derivatives	[1]	17,610		5,464
Liabilities [Abstract]
Derivatives	[2]	15,286		4,402
Recurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | U.S. Agency [Member]
Assets [Abstract]
Securities available for sale		12,828		14,661
Recurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | U.S. Agency Residential Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		221,829		227,762
Recurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | U.S. Agency Commercial Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		9,916		10,756
Recurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Private Label Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		37,071		39,693
Recurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Other Asset Backed [Member]
Assets [Abstract]
Securities available for sale		103,881		93,886
Recurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Obligations of States and Political Subdivisions [Member]
Assets [Abstract]
Securities available for sale		163,941		96,102
Recurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Corporate [Member]
Assets [Abstract]
Securities available for sale		42,811		33,195
Recurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Trust Preferred [Member]
Assets [Abstract]
Securities available for sale		1,491		1,843
Recurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Foreign Government [Member]
Assets [Abstract]
Securities available for sale		516		502
Recurring Basis [Member] | Significant Un-observable Inputs (Level 3) [Member]
Assets [Abstract]
Loans held for sale, carried at fair value		0		0
Capitalized mortgage loan servicing rights		14,829		19,171
Derivatives	[1]	0		0
Liabilities [Abstract]
Derivatives	[2]	0		0
Recurring Basis [Member] | Significant Un-observable Inputs (Level 3) [Member] | U.S. Agency [Member]
Assets [Abstract]
Securities available for sale		0		0
Recurring Basis [Member] | Significant Un-observable Inputs (Level 3) [Member] | U.S. Agency Residential Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		0		0
Recurring Basis [Member] | Significant Un-observable Inputs (Level 3) [Member] | U.S. Agency Commercial Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		0		0
Recurring Basis [Member] | Significant Un-observable Inputs (Level 3) [Member] | Private Label Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		0		0
Recurring Basis [Member] | Significant Un-observable Inputs (Level 3) [Member] | Other Asset Backed [Member]
Assets [Abstract]
Securities available for sale		0		0
Recurring Basis [Member] | Significant Un-observable Inputs (Level 3) [Member] | Obligations of States and Political Subdivisions [Member]
Assets [Abstract]
Securities available for sale		0		0
Recurring Basis [Member] | Significant Un-observable Inputs (Level 3) [Member] | Corporate [Member]
Assets [Abstract]
Securities available for sale		0		0
Recurring Basis [Member] | Significant Un-observable Inputs (Level 3) [Member] | Trust Preferred [Member]
Assets [Abstract]
Securities available for sale		0		0
Recurring Basis [Member] | Significant Un-observable Inputs (Level 3) [Member] | Foreign Government [Member]
Assets [Abstract]
Securities available for sale		0		0
Nonrecurring Basis [Member] | Impaired Loans [Member] | Commercial [Member] | Commercial and Industrial [Member]
Impaired loans [Abstract]
Loans receivable	[3]	1,720		655
Nonrecurring Basis [Member] | Impaired Loans [Member] | Commercial [Member] | Commercial Real Estate [Member]
Impaired loans [Abstract]
Loans receivable	[3]	12,747		316
Nonrecurring Basis [Member] | Impaired Loans [Member] | Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member]
Impaired loans [Abstract]
Loans receivable	[3]	930		987
Nonrecurring Basis [Member] | Impaired Loans [Member] | Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member]
Impaired loans [Abstract]
Loans receivable	[3]	236		470
Nonrecurring Basis [Member] | Impaired Loans [Member] | Mortgage [Member] | 1-4 Family Non-owner Occupied [Member]
Impaired loans [Abstract]
Loans receivable	[3]	189		281
Nonrecurring Basis [Member] | Impaired Loans [Member] | Mortgage [Member] | 1-4 Family - 2nd Lien [Member]
Impaired loans [Abstract]
Loans receivable	[3]	353		294
Nonrecurring Basis [Member] | Impaired Loans [Member] | Mortgage [Member] | Resort Lending [Member]
Impaired loans [Abstract]
Loans receivable	[3]	173		245
Nonrecurring Basis [Member] | Impaired Loans [Member] | Installment [Member] | Boat Lending [Member]
Impaired loans [Abstract]
Loans receivable	[3]	49		67
Nonrecurring Basis [Member] | Impaired Loans [Member] | Installment [Member] | Recreational Vehicle Lending [Member]
Impaired loans [Abstract]
Loans receivable	[3]	54		2
Nonrecurring Basis [Member] | Impaired Loans [Member] | Installment [Member] | Other [Member]
Impaired loans [Abstract]
Loans receivable	[3]	151		121
Nonrecurring Basis [Member] | Other Real Estate [Member] | Commercial [Member] | Commercial Real Estate [Member]
Impaired loans [Abstract]
Loans receivable	[4]	474
Nonrecurring Basis [Member] | Other Real Estate [Member] | Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member]
Impaired loans [Abstract]
Loans receivable		25	[4]	31	[5]
Nonrecurring Basis [Member] | Other Real Estate [Member] | Installment [Member] | Other [Member]
Impaired loans [Abstract]
Loans receivable	[5]			28
Nonrecurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Impaired Loans [Member] | Commercial [Member] | Commercial and Industrial [Member]
Impaired loans [Abstract]
Loans receivable	[3]	0		0
Nonrecurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Impaired Loans [Member] | Commercial [Member] | Commercial Real Estate [Member]
Impaired loans [Abstract]
Loans receivable	[3]	0		0
Nonrecurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Impaired Loans [Member] | Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member]
Impaired loans [Abstract]
Loans receivable	[3]	0		0
Nonrecurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Impaired Loans [Member] | Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member]
Impaired loans [Abstract]
Loans receivable	[3]	0		0
Nonrecurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Impaired Loans [Member] | Mortgage [Member] | 1-4 Family Non-owner Occupied [Member]
Impaired loans [Abstract]
Loans receivable	[3]	0		0
Nonrecurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Impaired Loans [Member] | Mortgage [Member] | 1-4 Family - 2nd Lien [Member]
Impaired loans [Abstract]
Loans receivable	[3]	0		0
Nonrecurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Impaired Loans [Member] | Mortgage [Member] | Resort Lending [Member]
Impaired loans [Abstract]
Loans receivable	[3]	0		0
Nonrecurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Impaired Loans [Member] | Installment [Member] | Boat Lending [Member]
Impaired loans [Abstract]
Loans receivable	[3]	0		0
Nonrecurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Impaired Loans [Member] | Installment [Member] | Recreational Vehicle Lending [Member]
Impaired loans [Abstract]
Loans receivable	[3]	0		0
Nonrecurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Impaired Loans [Member] | Installment [Member] | Other [Member]
Impaired loans [Abstract]
Loans receivable	[3]	0		0
Nonrecurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Other Real Estate [Member] | Commercial [Member] | Commercial Real Estate [Member]
Impaired loans [Abstract]
Loans receivable	[4]	474
Nonrecurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Other Real Estate [Member] | Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member]
Impaired loans [Abstract]
Loans receivable		0	[4]	0	[5]
Nonrecurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Other Real Estate [Member] | Installment [Member] | Other [Member]
Impaired loans [Abstract]
Loans receivable	[5]			0
Nonrecurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Impaired Loans [Member] | Commercial [Member] | Commercial and Industrial [Member]
Impaired loans [Abstract]
Loans receivable	[3]	0		0
Nonrecurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Impaired Loans [Member] | Commercial [Member] | Commercial Real Estate [Member]
Impaired loans [Abstract]
Loans receivable	[3]	0		0
Nonrecurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Impaired Loans [Member] | Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member]
Impaired loans [Abstract]
Loans receivable	[3]	0		0
Nonrecurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Impaired Loans [Member] | Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member]
Impaired loans [Abstract]
Loans receivable	[3]	0		0
Nonrecurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Impaired Loans [Member] | Mortgage [Member] | 1-4 Family Non-owner Occupied [Member]
Impaired loans [Abstract]
Loans receivable	[3]	0		0
Nonrecurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Impaired Loans [Member] | Mortgage [Member] | 1-4 Family - 2nd Lien [Member]
Impaired loans [Abstract]
Loans receivable	[3]	0		0
Nonrecurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Impaired Loans [Member] | Mortgage [Member] | Resort Lending [Member]
Impaired loans [Abstract]
Loans receivable	[3]	0		0
Nonrecurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Impaired Loans [Member] | Installment [Member] | Boat Lending [Member]
Impaired loans [Abstract]
Loans receivable	[3]	0		0
Nonrecurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Impaired Loans [Member] | Installment [Member] | Recreational Vehicle Lending [Member]
Impaired loans [Abstract]
Loans receivable	[3]	0		0
Nonrecurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Impaired Loans [Member] | Installment [Member] | Other [Member]
Impaired loans [Abstract]
Loans receivable	[3]	0		0
Nonrecurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Other Real Estate [Member] | Commercial [Member] | Commercial Real Estate [Member]
Impaired loans [Abstract]
Loans receivable	[4]	0
Nonrecurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Other Real Estate [Member] | Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member]
Impaired loans [Abstract]
Loans receivable		0	[4]	0	[5]
Nonrecurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Other Real Estate [Member] | Installment [Member] | Other [Member]
Impaired loans [Abstract]
Loans receivable	[5]			0
Nonrecurring Basis [Member] | Significant Un-observable Inputs (Level 3) [Member] | Impaired Loans [Member] | Commercial [Member] | Commercial and Industrial [Member]
Impaired loans [Abstract]
Loans receivable	[3]	1,720		655
Nonrecurring Basis [Member] | Significant Un-observable Inputs (Level 3) [Member] | Impaired Loans [Member] | Commercial [Member] | Commercial Real Estate [Member]
Impaired loans [Abstract]
Loans receivable	[3]	12,747		316
Nonrecurring Basis [Member] | Significant Un-observable Inputs (Level 3) [Member] | Impaired Loans [Member] | Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member]
Impaired loans [Abstract]
Loans receivable	[3]	930		987
Nonrecurring Basis [Member] | Significant Un-observable Inputs (Level 3) [Member] | Impaired Loans [Member] | Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member]
Impaired loans [Abstract]
Loans receivable	[3]	236		470
Nonrecurring Basis [Member] | Significant Un-observable Inputs (Level 3) [Member] | Impaired Loans [Member] | Mortgage [Member] | 1-4 Family Non-owner Occupied [Member]
Impaired loans [Abstract]
Loans receivable	[3]	189		281
Nonrecurring Basis [Member] | Significant Un-observable Inputs (Level 3) [Member] | Impaired Loans [Member] | Mortgage [Member] | 1-4 Family - 2nd Lien [Member]
Impaired loans [Abstract]
Loans receivable	[3]	353		294
Nonrecurring Basis [Member] | Significant Un-observable Inputs (Level 3) [Member] | Impaired Loans [Member] | Mortgage [Member] | Resort Lending [Member]
Impaired loans [Abstract]
Loans receivable	[3]	173		245
Nonrecurring Basis [Member] | Significant Un-observable Inputs (Level 3) [Member] | Impaired Loans [Member] | Installment [Member] | Boat Lending [Member]
Impaired loans [Abstract]
Loans receivable	[3]	49		67
Nonrecurring Basis [Member] | Significant Un-observable Inputs (Level 3) [Member] | Impaired Loans [Member] | Installment [Member] | Recreational Vehicle Lending [Member]
Impaired loans [Abstract]
Loans receivable	[3]	54		2
Nonrecurring Basis [Member] | Significant Un-observable Inputs (Level 3) [Member] | Impaired Loans [Member] | Installment [Member] | Other [Member]
Impaired loans [Abstract]
Loans receivable	[3]	151		121
Nonrecurring Basis [Member] | Significant Un-observable Inputs (Level 3) [Member] | Other Real Estate [Member] | Commercial [Member] | Commercial Real Estate [Member]
Impaired loans [Abstract]
Loans receivable	[4]	0
Nonrecurring Basis [Member] | Significant Un-observable Inputs (Level 3) [Member] | Other Real Estate [Member] | Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member]
Impaired loans [Abstract]
Loans receivable		$ 25	[4]	31	[5]
Nonrecurring Basis [Member] | Significant Un-observable Inputs (Level 3) [Member] | Other Real Estate [Member] | Installment [Member] | Other [Member]
Impaired loans [Abstract]
Loans receivable	[5]			$ 28
[1]	Included in accrued income and other assets.
[2]	Included in accrued expenses and other liabilities.
[3]	Only includes impaired loans with specific loss allocations based on collateral value.
[4]	Only includes other real estate with subsequent write downs to fair value. The fair value of the commercial real estate property included in this table was based on a purchase agreement that is expected to close during the second quarter of 2020.
[5]	Only includes other real estate with subsequent write downs to fair value.

Fair Value Disclosures, Changes

Fair Value Disclosures, Changes in Fair Value for Financial Assets (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019	Dec. 31, 2019
Changes in fair value for financial assets [Abstract]
Equity Securities at fair value, net gains (losses)		$ 167
Loans held for sale, net gains (losses)	$ 523	96
Capitalized mortgage loan servicing rights, net gains (losses)	(6,974)	(2,691)
Impairment charges recognized [Abstract]
Collateral dependent loans, carrying amount	16,600		$ 3,400
Collateral dependent loans, valuation allowance	4,100		1,500
Additional provision for loan losses on impaired loans	2,400	500
Other real estate, carrying amount	500		60
Other real estate, valuation allowance	160		$ 90
Other real estate, additional charge	90	120
Securities [Member]
Changes in fair value for financial assets [Abstract]
Equity Securities at fair value, net gains (losses)		167
Mortgage Loans [Member]
Changes in fair value for financial assets [Abstract]
Loans held for sale, net gains (losses)	523	96
Mortgage Loan Servicing, Net [Member]
Changes in fair value for financial assets [Abstract]
Capitalized mortgage loan servicing rights, net gains (losses)	$ (6,974)	$ (2,691)

Fair Value Disclosures, Reconci

Fair Value Disclosures, Reconciliation for all Assets Measured at Fair Value on a Recurring Basis Using Significant Unobservable Inputs (Level 3) (Details) - Capitalized Mortgage Loan Servicing Rights [Member] - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Reconciliation for all assets and (liabilities) measured at fair value on a recurring basis using significant unobservable inputs (Level 3) [Roll Forward]
Beginning balance	$ 19,171	$ 21,400
Total gains (losses) realized and unrealized [Abstract]
Included in results of operations	(6,974)	(2,691)
Included in other comprehensive income (loss)	0	0
Purchases, issuances, settlements, maturities and calls	2,632	1,200
Transfers in and/or out of Level 3	0	0
Ending balance	14,829	19,909
Amount of total gains (losses) for the period included in earnings attributable to the change in unrealized gains (losses) relating to assets and liabilities still held at March 31	$ (6,974)	$ (2,691)

Fair Value Disclosures, Quantit

Fair Value Disclosures, Quantitative Information About Level 3 (Details)		3 Months Ended		12 Months Ended
		Mar. 31, 2020USD ($)		Dec. 31, 2019USD ($)
Installment [Member]
Ranges and Weighted Average [Abstract]
Total Impaired collateral value		$ 250,000		$ 140,000
Recurring Basis [Member] | Capitalized Mortgage Loan Servicing Rights [Member] | Significant Un-observable Inputs (Level 3) [Member]
Asset Fair Value [Abstract]
Servicing asset fair value		$ 14,829,000		$ 19,171,000
Recurring Basis [Member] | Capitalized Mortgage Loan Servicing Rights [Member] | Present Value of Net Servicing Revenue [Member] | Significant Un-observable Inputs (Level 3) [Member] | Float Rate [Member]
Ranges and Weighted Average [Abstract]
Servicing asset measurement input		0.0052		0.0173
Recurring Basis [Member] | Capitalized Mortgage Loan Servicing Rights [Member] | Minimum [Member] | Significant Un-observable Inputs (Level 3) [Member] | Cost to Service [Member]
Ranges and Weighted Average [Abstract]
Servicing asset measurement input		72		66
Recurring Basis [Member] | Capitalized Mortgage Loan Servicing Rights [Member] | Minimum [Member] | Significant Un-observable Inputs (Level 3) [Member] | Ancillary Income [Member]
Ranges and Weighted Average [Abstract]
Servicing asset measurement input		20		20
Recurring Basis [Member] | Capitalized Mortgage Loan Servicing Rights [Member] | Minimum [Member] | Present Value of Net Servicing Revenue [Member] | Significant Un-observable Inputs (Level 3) [Member] | Discount Rate [Member]
Ranges and Weighted Average [Abstract]
Servicing asset measurement input		0.1000		0.1000
Recurring Basis [Member] | Capitalized Mortgage Loan Servicing Rights [Member] | Minimum [Member] | Present Value of Net Servicing Revenue [Member] | Significant Un-observable Inputs (Level 3) [Member] | Prepayment Rate [Member]
Ranges and Weighted Average [Abstract]
Servicing asset measurement input		0.0702		0.0701
Recurring Basis [Member] | Capitalized Mortgage Loan Servicing Rights [Member] | Maximum [Member] | Significant Un-observable Inputs (Level 3) [Member] | Cost to Service [Member]
Ranges and Weighted Average [Abstract]
Servicing asset measurement input		201		316
Recurring Basis [Member] | Capitalized Mortgage Loan Servicing Rights [Member] | Maximum [Member] | Significant Un-observable Inputs (Level 3) [Member] | Ancillary Income [Member]
Ranges and Weighted Average [Abstract]
Servicing asset measurement input		37		37
Recurring Basis [Member] | Capitalized Mortgage Loan Servicing Rights [Member] | Maximum [Member] | Present Value of Net Servicing Revenue [Member] | Significant Un-observable Inputs (Level 3) [Member] | Discount Rate [Member]
Ranges and Weighted Average [Abstract]
Servicing asset measurement input		0.1300		0.1300
Recurring Basis [Member] | Capitalized Mortgage Loan Servicing Rights [Member] | Maximum [Member] | Present Value of Net Servicing Revenue [Member] | Significant Un-observable Inputs (Level 3) [Member] | Prepayment Rate [Member]
Ranges and Weighted Average [Abstract]
Servicing asset measurement input		0.3400		0.6934
Recurring Basis [Member] | Capitalized Mortgage Loan Servicing Rights [Member] | Weighted Average [Member] | Significant Un-observable Inputs (Level 3) [Member] | Cost to Service [Member]
Ranges and Weighted Average [Abstract]
Servicing asset measurement input		81		81
Recurring Basis [Member] | Capitalized Mortgage Loan Servicing Rights [Member] | Weighted Average [Member] | Significant Un-observable Inputs (Level 3) [Member] | Ancillary Income [Member]
Ranges and Weighted Average [Abstract]
Servicing asset measurement input		22		22
Recurring Basis [Member] | Capitalized Mortgage Loan Servicing Rights [Member] | Weighted Average [Member] | Present Value of Net Servicing Revenue [Member] | Significant Un-observable Inputs (Level 3) [Member] | Discount Rate [Member]
Ranges and Weighted Average [Abstract]
Servicing asset measurement input		0.1013		0.1014
Recurring Basis [Member] | Capitalized Mortgage Loan Servicing Rights [Member] | Weighted Average [Member] | Present Value of Net Servicing Revenue [Member] | Significant Un-observable Inputs (Level 3) [Member] | Float Rate [Member]
Ranges and Weighted Average [Abstract]
Servicing asset measurement input		0.0052		0.0173
Recurring Basis [Member] | Capitalized Mortgage Loan Servicing Rights [Member] | Weighted Average [Member] | Present Value of Net Servicing Revenue [Member] | Significant Un-observable Inputs (Level 3) [Member] | Prepayment Rate [Member]
Ranges and Weighted Average [Abstract]
Servicing asset measurement input		0.1965		0.1496
Nonrecurring Basis [Member] | Impaired Loans Commercial [Member] | Significant Un-observable Inputs (Level 3) [Member]
Asset Fair Value [Abstract]
Impaired loans fair value		$ 14,467,000		$ 971,000
Nonrecurring Basis [Member] | Impaired Loans Commercial [Member] | Minimum [Member] | Sales Comparison Approach [Member] | Significant Un-observable Inputs (Level 3) [Member] | Adjustment for Differences Between Comparable Sales [Member]
Ranges and Weighted Average [Abstract]
Impaired loans measurement input		(0.480)		(0.480)	[1]
Nonrecurring Basis [Member] | Impaired Loans Commercial [Member] | Minimum [Member] | Income Approach [Member] | Significant Un-observable Inputs (Level 3) [Member] | Capitalization Rate [Member]
Ranges and Weighted Average [Abstract]
Impaired loans measurement input		0.0775
Nonrecurring Basis [Member] | Impaired Loans Commercial [Member] | Maximum [Member] | Sales Comparison Approach [Member] | Significant Un-observable Inputs (Level 3) [Member] | Adjustment for Differences Between Comparable Sales [Member]
Ranges and Weighted Average [Abstract]
Impaired loans measurement input		0.350		0.192	[1]
Nonrecurring Basis [Member] | Impaired Loans Commercial [Member] | Maximum [Member] | Income Approach [Member] | Significant Un-observable Inputs (Level 3) [Member] | Capitalization Rate [Member]
Ranges and Weighted Average [Abstract]
Impaired loans measurement input		0.110
Nonrecurring Basis [Member] | Impaired Loans Commercial [Member] | Weighted Average [Member] | Sales Comparison Approach [Member] | Significant Un-observable Inputs (Level 3) [Member] | Adjustment for Differences Between Comparable Sales [Member]
Ranges and Weighted Average [Abstract]
Impaired loans measurement input		0.005		(0.056)	[1]
Nonrecurring Basis [Member] | Impaired Loans Commercial [Member] | Weighted Average [Member] | Income Approach [Member] | Significant Un-observable Inputs (Level 3) [Member] | Capitalization Rate [Member]
Ranges and Weighted Average [Abstract]
Impaired loans measurement input		0.087
Nonrecurring Basis [Member] | Impaired Loans Mortgage and Installment [Member] | Significant Un-observable Inputs (Level 3) [Member]
Asset Fair Value [Abstract]
Impaired loans fair value	[1]	$ 2,135,000		$ 2,467,000
Nonrecurring Basis [Member] | Impaired Loans Mortgage and Installment [Member] | Minimum [Member] | Sales Comparison Approach [Member] | Significant Un-observable Inputs (Level 3) [Member] | Adjustment for Differences Between Comparable Sales [Member]
Ranges and Weighted Average [Abstract]
Impaired loans measurement input		(0.130)	[1]	(0.252)
Nonrecurring Basis [Member] | Impaired Loans Mortgage and Installment [Member] | Maximum [Member] | Sales Comparison Approach [Member] | Significant Un-observable Inputs (Level 3) [Member] | Adjustment for Differences Between Comparable Sales [Member]
Ranges and Weighted Average [Abstract]
Impaired loans measurement input		0.492	[1]	0.492
Nonrecurring Basis [Member] | Impaired Loans Mortgage and Installment [Member] | Weighted Average [Member] | Sales Comparison Approach [Member] | Significant Un-observable Inputs (Level 3) [Member] | Adjustment for Differences Between Comparable Sales [Member]
Ranges and Weighted Average [Abstract]
Impaired loans measurement input		0.140	[1]	0.115
Nonrecurring Basis [Member] | Other Real Estate Mortgage [Member] | Significant Un-observable Inputs (Level 3) [Member]
Asset Fair Value [Abstract]
Other real estate fair value		$ 25,000		$ 59,000
Nonrecurring Basis [Member] | Other Real Estate Mortgage [Member] | Minimum [Member] | Sales Comparison Approach [Member] | Significant Un-observable Inputs (Level 3) [Member] | Adjustment for Differences Between Comparable Sales [Member]
Ranges and Weighted Average [Abstract]
Other real estate measurement input		0.161		(0.116)
Nonrecurring Basis [Member] | Other Real Estate Mortgage [Member] | Maximum [Member] | Sales Comparison Approach [Member] | Significant Un-observable Inputs (Level 3) [Member] | Adjustment for Differences Between Comparable Sales [Member]
Ranges and Weighted Average [Abstract]
Other real estate measurement input		0.106		0.050
Nonrecurring Basis [Member] | Other Real Estate Mortgage [Member] | Weighted Average [Member] | Sales Comparison Approach [Member] | Significant Un-observable Inputs (Level 3) [Member] | Adjustment for Differences Between Comparable Sales [Member]
Ranges and Weighted Average [Abstract]
Other real estate measurement input		(0.042)		(0.051)
[1]	In addition to the valuation techniques and unobservable inputs discussed above, at March 31, 2020 and December 31, 2019 certain impaired collateral dependent installment loans totaling approximately $0.25 million and $0.14 million, respectively are secured by collateral other than real estate. For the majority of these loans, we apply internal discount rates to industry valuation guides.

Fair Value Disclosures, Differe

Fair Value Disclosures, Difference Between Aggregate Fair Value and Aggregate Remaining Contractual Principal (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Loans held for sale [Abstract]
Aggregate Fair Value	$ 64,549	$ 69,800
Difference	2,417	1,894
Contractual Principal	$ 62,132	$ 67,906

Fair Values of Financial Inst_3

Fair Values of Financial Instruments (Details) - USD ($) $ in Thousands		Mar. 31, 2020	Dec. 31, 2019
Assets [Abstract]
Interest bearing deposits - time		$ 0	$ 350
Securities available for sale		594,284	518,400
Federal Home Loan Bank and Federal Reserve Bank Stock		18,359	18,359
Liabilities [Abstract]
Other borrowings		101,954	88,646
Subordinated debentures		39,473	39,456
Reciprocal deposits included in deposits with no stated maturity		424,569	388,369
Reciprocal deposits included in deposits with stated maturity		40,005	42,658
Recorded Book Balance [Member]
Assets [Abstract]
Cash and due from banks		48,753	53,295
Interest bearing deposits		21,538	12,009
Interest bearing deposits - time			350
Securities available for sale		594,284	518,400
Federal Home Loan Bank and Federal Reserve Bank Stock		18,359	18,359
Net loans and loans held for sale		2,750,169	2,768,675
Accrued interest receivable		10,519	10,108
Derivative financial instruments		17,610	5,464
Liabilities [Abstract]
Deposits with no stated maturity	[1]	2,529,503	2,427,190
Deposits with stated maturity	[1]	554,061	609,537
Other borrowings		101,954	88,646
Subordinated debentures		39,473	39,456
Accrued interest payable		1,195	1,296
Derivative financial instruments		15,286	4,402
Fair Value [Member]
Assets [Abstract]
Cash and due from banks		48,753	53,295
Interest bearing deposits		21,538	12,009
Interest bearing deposits - time			350
Securities available for sale		594,284	518,400
Net loans and loans held for sale		2,645,319	2,768,817
Accrued interest receivable		10,519	10,108
Derivative financial instruments		17,610	5,464
Liabilities [Abstract]
Deposits with no stated maturity		2,529,503	2,427,190
Deposits with stated maturity		555,820	610,235
Other borrowings		103,755	88,680
Subordinated debentures		25,619	33,149
Accrued interest payable		1,195	1,296
Derivative financial instruments		15,286	4,402
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets [Abstract]
Cash and due from banks		48,753	53,295
Interest bearing deposits		21,538	12,009
Interest bearing deposits - time			0
Securities available for sale		0	0
Net loans and loans held for sale		0	0
Accrued interest receivable		0	8
Derivative financial instruments		0	0
Liabilities [Abstract]
Deposits with no stated maturity		2,529,503	2,427,190
Deposits with stated maturity		0	0
Other borrowings		0	0
Subordinated debentures		0	0
Accrued interest payable		37	97
Derivative financial instruments		0	0
Significant Other Observable Inputs (Level 2) [Member]
Assets [Abstract]
Cash and due from banks		0	0
Interest bearing deposits		0	0
Interest bearing deposits - time			350
Securities available for sale		594,284	518,400
Net loans and loans held for sale		64,549	69,800
Accrued interest receivable		2,583	1,752
Derivative financial instruments		17,610	5,464
Liabilities [Abstract]
Deposits with no stated maturity		0	0
Deposits with stated maturity		555,820	610,235
Other borrowings		103,755	88,680
Subordinated debentures		25,619	33,149
Accrued interest payable		1,158	1,199
Derivative financial instruments		15,286	4,402
Significant Unobservable Inputs (Level 3) [Member]
Assets [Abstract]
Cash and due from banks		0	0
Interest bearing deposits		0	0
Interest bearing deposits - time			0
Securities available for sale		0	0
Net loans and loans held for sale		2,580,770	2,699,017
Accrued interest receivable		7,936	8,348
Derivative financial instruments		0	0
Liabilities [Abstract]
Deposits with no stated maturity		0	0
Deposits with stated maturity		0	0
Other borrowings		0	0
Subordinated debentures		0	0
Accrued interest payable		0	0
Derivative financial instruments		$ 0	$ 0
[1]	Deposits with no stated maturity include reciprocal deposits with a recorded book balance of $424.569 million and $388.369 million at March 31, 2020 and December 31, 2019, respectively. Deposits with a stated maturity include reciprocal deposits with a recorded book balance of $40.005 million and $42.658 million at March 31, 2020 and December 31, 2019, respectively.

Contingencies (Details)

Contingencies (Details) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2020USD ($)shares	Mar. 31, 2019USD ($)	Apr. 17, 2020$ / shares	Dec. 31, 2019USD ($)
Contingencies [Abstract]
Loss reimbursement on sold loans	$ 40	$ 110
Loss reimbursement reserve on sold mortgage loans	$ 920			$ 880
VISA Class A Common Stock [Member]
Investment Owned [Abstract]
Current conversion ratio	1.6228
VISA Class B Common Stock [Member]
Investment Owned [Abstract]
Number of shares owned (in shares) | shares	12,566
Current value of shares owned	$ 3,500
Subsequent Event [Member] | VISA Class A Common Stock [Member]
Investment Owned [Abstract]
Closing price (in dollars per share) | $ / shares			$ 169.54

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Loss ("AOCL"), Summary of Changes (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Changes in AOCL [Roll Forward]
Balance at beginning of period	$ 350,169	$ 338,994
Other comprehensive income (loss) before reclassifications	(927)	3,517
Amounts reclassified from AOCL	(141)	(226)
Other comprehensive income (loss)	(1,068)	3,291
Balances at end of period	335,618	344,726
Accumulated Other Comprehensive Loss [Member]
Changes in AOCL [Roll Forward]
Balance at beginning of period	(3,786)	(10,108)
Other comprehensive income (loss)	(1,068)	3,291
Balances at end of period	(4,854)	(6,817)
Unrealized Gains (Losses) on Securities Available For Sale [Member]
Changes in AOCL [Roll Forward]
Balance at beginning of period	3,739	(4,185)
Other comprehensive income (loss) before reclassifications	(606)	4,236
Amounts reclassified from AOCL	(200)	(108)
Other comprehensive income (loss)	(806)	4,128
Balances at end of period	2,933	(57)
Disproportionate Tax Effects from Securities Available for Sale [Member]
Changes in AOCL [Roll Forward]
Balance at beginning of period	(5,798)	(5,798)
Other comprehensive income (loss) before reclassifications	0	0
Amounts reclassified from AOCL	0	0
Other comprehensive income (loss)	0	0
Balances at end of period	(5,798)	(5,798)
Unrealized Losses on Cash Flow Hedges [Member]
Changes in AOCL [Roll Forward]
Balance at beginning of period	(1,727)	(125)
Other comprehensive income (loss) before reclassifications	(321)	(719)
Amounts reclassified from AOCL	59	(118)
Other comprehensive income (loss)	(262)	(837)
Balances at end of period	$ (1,989)	$ (962)

Accumulated Other Comprehensi_4

Accumulated Other Comprehensive Loss ("AOCL"), Reclassification Out of Each Components (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Reclassifications out of AOCL [Abstract]
Total reclassifications before tax	$ 5,755	$ 11,548
Interest expense	(5,388)	(6,393)
Income tax expense	945	2,167
Reclassifications, net of tax	4,810	9,381
Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassifications out of AOCL [Abstract]
Reclassifications, net of tax	141	226
Unrealized Gains (Losses) on Securities Available For Sale [Member] | Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassifications out of AOCL [Abstract]
Net gains (losses) on securities	253	137
Net impairment loss recognized in earnings	0	0
Total reclassifications before tax	253	137
Income tax expense	53	29
Reclassifications, net of tax	200	108
Unrealized Losses on Cash Flow Hedges [Member] | Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassifications out of AOCL [Abstract]
Interest expense	75	(149)
Income tax expense	16	(31)
Reclassifications, net of tax	$ 59	$ (118)

Revenue from Contracts with C_3

Revenue from Contracts with Customers (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2020USD ($)Asset	Mar. 31, 2019USD ($)Asset	Dec. 31, 2019USD ($)
Revenue from Contracts with Customers [Abstract]
Percentage of revenues excluded from ASC Topic 606	85.10%	84.90%
Contract assets	$ 0		$ 0
Contract liabilities	$ 0		$ 0
Number of real estate assets sold during the period | Asset	0	0
Disaggregation of Revenue Sources by Attributes [Abstract]
Revenue from contracts with customers	$ 6,194	$ 6,002
Bank owned life insurance	270	242
Other	747	1,015
Total	2,163	2,264
Service Charges on Deposit Accounts
Disaggregation of Revenue Sources by Attributes [Abstract]
Revenue from contracts with customers	2,591	2,640
Overdraft Fees [Member] | Retail [Member]
Disaggregation of Revenue Sources by Attributes [Abstract]
Revenue from contracts with customers	1,740	1,730
Overdraft Fees [Member] | Business [Member]
Disaggregation of Revenue Sources by Attributes [Abstract]
Revenue from contracts with customers	345	385
Account Service Charges [Member] | Retail [Member]
Disaggregation of Revenue Sources by Attributes [Abstract]
Revenue from contracts with customers	506	525
Other Deposit Related Income [Member]
Disaggregation of Revenue Sources by Attributes [Abstract]
Revenue from contracts with customers	633	710
ATM Fees [Member] | Retail [Member]
Disaggregation of Revenue Sources by Attributes [Abstract]
Revenue from contracts with customers	300	322
ATM Fees [Member] | Business [Member]
Disaggregation of Revenue Sources by Attributes [Abstract]
Revenue from contracts with customers	7	8
Other [Member] | Retail [Member]
Disaggregation of Revenue Sources by Attributes [Abstract]
Revenue from contracts with customers	236	251
Other [Member] | Business [Member]
Disaggregation of Revenue Sources by Attributes [Abstract]
Revenue from contracts with customers	90	129
Interchange Income [Member]
Disaggregation of Revenue Sources by Attributes [Abstract]
Revenue from contracts with customers	2,457	2,355
Investment and Insurance Commissions [Member]
Disaggregation of Revenue Sources by Attributes [Abstract]
Revenue from contracts with customers	513	297
Asset Management Revenue [Member]
Disaggregation of Revenue Sources by Attributes [Abstract]
Revenue from contracts with customers	313	254
Transaction Based Revenue [Member]
Disaggregation of Revenue Sources by Attributes [Abstract]
Revenue from contracts with customers	$ 200	$ 43

Leases (Details)

Leases (Details) - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2020	Mar. 31, 2019
Components of operating leases [Abstract]
Operating lease cost		$ 486	$ 564
Variable lease cost		15	23
Short-term lease cost		7	5
Total		508	592
Supplemental balance sheet information related to operating leases [Abstract]
Lease right of use asset	[1]	$ 7,968	8,282
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible List]		us-gaap:OtherAssets
Lease liabilities	[2]	$ 8,002	$ 8,304
Operating Lease, Liability, Statement of Financial Position [Extensible List]		us-gaap:OtherLiabilities
Weighted average remaining lease term (years)		7 years 3 months 18 days	7 years 5 months 19 days
Weighted average discount rate		2.70%	2.80%
Maturities of lease liabilities [Abstract]
Nine months ending December 31, 2020		$ 1,228
2021		1,446
2022		1,341
2023		1,186
2024		802
2025 and thereafter		2,840
Total lease payments		8,843
Less imputed interest		(841)
Total	[2]	$ 8,002	$ 8,304
[1]	Included in Accrued income and other assets in our Condensed Consolidated Statements of Financial Condition.
[2]	Included in Accrued expenses and other liabilities in our Condensed Consolidated Statements of Financial Condition.