Independent Bank (IBCP) 10-Q 5 Nov 20 2020 Q3 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	9 Months Ended
	Sep. 30, 2020	Nov. 04, 2020
Cover [Abstract]
Entity Registrant Name	INDEPENDENT BANK CORPORATION
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		21,884,495
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Sep. 30, 2020
Document Fiscal Year Focus	2020
Document Fiscal Period Focus	Q3
Document Quarterly Report	true
Document Transition Report	false
Entity File Number	0-7818
Entity Tax Identification Number	38-2032782
Entity Incorporation, State or Country Code	MI
Entity Address, Address Line One	4200 East Beltline
Entity Address, City or Town	Grand Rapids
Entity Address, State or Province	MI
Entity Address, Postal Zip Code	49525
City Area Code	616
Local Phone Number	527-5820
Title of 12(b) Security	Common stock, no par value
Trading Symbol	IBCP
Security Exchange Name	NASDAQ

Condensed Consolidated Statemen

Condensed Consolidated Statements of Financial Condition (unaudited) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Assets
Cash and due from banks	$ 42,435	$ 53,295
Interest bearing deposits	4,121	12,009
Cash and Cash Equivalents	46,556	65,304
Interest bearing deposits - time	0	350
Securities available for sale	985,050	518,400
Federal Home Loan Bank and Federal Reserve Bank stock, at cost	18,427	18,359
Loans held for sale, carried at fair value	99,747	69,800
Loans
Loans	2,855,479	2,725,023
Allowance for loan losses	(35,771)	(26,148)
Net Loans	2,819,708	2,698,875
Other real estate and repossessed assets, net	1,487	1,865
Property and equipment, net	36,538	38,411
Bank-owned life insurance	55,019	55,710
Deferred tax assets, net	1,572	2,072
Capitalized mortgage loan servicing rights, carried at fair value	15,403	19,171
Other intangibles	4,561	5,326
Goodwill	28,300	28,300
Accrued income and other assets	56,576	42,751
Total Assets	4,168,944	3,564,694
Deposits
Non-interest bearing	1,152,072	852,076
Savings and interest-bearing checking	1,431,841	1,186,745
Reciprocal	557,551	431,027
Time	303,392	376,877
Brokered time	152,889	190,002
Total Deposits	3,597,745	3,036,727
Other borrowings	30,005	88,646
Subordinated debt	39,261	0
Subordinated debentures	39,507	39,456
Accrued expenses and other liabilities	89,334	49,696
Total Liabilities	3,795,852	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: 21,885,368 shares at September 30, 2020 and 22,481,643 shares at December 31, 2019	339,408	352,344
Retained earnings	27,538	1,611
Accumulated other comprehensive income (loss)	6,146	(3,786)
Total Shareholders' Equity	373,092	350,169
Total Liabilities and Shareholders' Equity	4,168,944	3,564,694
Commercial [Member]
Loans
Loans	1,351,790	1,166,695
Allowance for loan losses	(8,153)	(7,922)
Mortgage [Member]
Loans
Loans	1,024,036	1,098,911
Allowance for loan losses	(6,999)	(8,216)
Installment [Member]
Loans
Loans	479,653	459,417
Allowance for loan losses	$ (1,239)	$ (1,283)

Condensed Consolidated Statem_2

Condensed Consolidated Statements of Financial Condition (unaudited) (Parenthetical) - $ / shares	Sep. 30, 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)	21,885,368	22,481,643
Common stock, shares outstanding (in shares)	21,885,368	22,481,643

Condensed Consolidated Statem_3

Condensed Consolidated Statements of Operations (unaudited) - USD ($) $ in Thousands		3 Months Ended		9 Months Ended
		Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Interest Income
Interest and fees on loans		$ 30,393	$ 34,226	$ 92,020	$ 100,743
Interest on securities available for sale
Taxable		3,450	2,771	9,356	8,811
Tax-exempt		954	319	2,137	1,017
Other investments		237	495	854	1,449
Total Interest Income		35,034	37,811	104,367	112,020
Interest Expense
Deposits		2,062	6,236	9,150	17,938
Other borrowings and subordinated debt and debentures		1,006	703	2,598	2,211
Total Interest Expense		3,068	6,939	11,748	20,149
Net Interest Income		31,966	30,872	92,619	91,871
Provision for loan losses		975	(271)	12,884	1,045
Net Interest Income After Provision for Loan Losses		30,991	31,143	79,735	90,826
Non-interest Income
Interchange income		3,428	2,785	8,411	7,744
Service charges on deposit accounts		2,085	2,883	6,299	8,323
Net gains on assets
Mortgage loans		20,205	5,677	46,687	13,590
Securities available for sale		0	0	253	304
Mortgage loan servicing, net		(644)	(1,562)	(8,966)	(4,684)
Other		1,937	2,492	5,698	6,862
Total Non-Interest Income		27,011	12,275	58,382	32,139
Non-interest Expense
Compensation and employee benefits		21,954	16,673	54,742	48,955
Occupancy, net		2,199	2,161	6,818	6,797
Data processing		2,215	2,282	6,160	6,597
Furniture, fixtures and equipment		999	1,023	3,125	3,058
Interchange expense		831	891	2,416	2,332
Communications		806	733	2,409	2,219
Loan and collection		768	714	2,329	1,976
Advertising		589	636	1,636	1,935
Legal and professional		566	541	1,427	1,281
FDIC deposit insurance		411	13	1,211	723
Other		2,303	2,181	7,433	6,557
Total Non-interest Expense		33,641	27,848	89,706	82,430
Income Before Income Tax		24,361	15,570	48,411	40,535
Income tax expense		4,777	3,125	9,245	7,979
Net Income		$ 19,584	$ 12,445	$ 39,166	$ 32,556
Net Income Per Common Share
Basic (in dollars per share)	[1]	$ 0.90	$ 0.55	$ 1.78	$ 1.41
Diluted (in dollars per share)		$ 0.89	$ 0.55	$ 1.76	$ 1.40
[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		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Condensed Consolidated Statements of Comprehensive Income (unaudited) [Abstract]
Net income	$ 19,584	$ 12,445	$ 39,166	$ 32,556
Securities available for sale
Unrealized gains arising during period	2,675	1,567	12,599	10,851
Change in unrealized gains and losses for which a portion of other than temporary impairment has been recognized in earnings	15	(53)	(66)	(55)
Reclassification adjustments for gains included in earnings	0	0	(253)	(137)
Unrealized gains recognized in other comprehensive income on securities available for sale	2,690	1,514	12,280	10,659
Income tax expense	565	318	2,579	2,238
Unrealized gains recognized in other comprehensive income on securities available for sale, net of tax	2,125	1,196	9,701	8,421
Derivative instruments
Unrealized loss arising during period	(26)	(72)	(354)	(1,740)
Reclassification adjustment for (income) expense recognized in earnings	310	(102)	646	(393)
Unrealized gains (losses) recognized in other comprehensive income on derivative instruments	284	(174)	292	(2,133)
Income tax expense (benefit)	59	(36)	61	(447)
Unrealized gains (losses) recognized in other comprehensive income on derivative instruments, net of tax	225	(138)	231	(1,686)
Other comprehensive income	2,350	1,058	9,932	6,735
Comprehensive income	$ 21,934	$ 13,503	$ 49,098	$ 39,291

Condensed Consolidated Statem_5

Condensed Consolidated Statements of Cash Flows (unaudited) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019
Condensed Consolidated Statements of Cash Flows (unaudited) [Abstract]
Net Income	$ 39,166	$ 32,556
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	1,074,284	422,557
Disbursements for loans held for sale	(1,057,544)	(451,572)
Provision for loan losses	12,884	1,045
Deferred income tax expense (benefit)	(2,140)	1,216
Net deferred loan fees (costs)	5,227	(3,122)
Net depreciation, amortization of intangible assets and premiums and accretion of discounts on securities, loans and interest bearing deposits - time	5,962	4,427
Net gains on mortgage loans	(46,687)	(13,590)
Net gains on securities available for sale	(253)	(304)
Share based compensation	1,506	1,348
Increase in accrued income and other assets	(1,564)	(2,149)
Increase in accrued expenses and other liabilities	7,397	13,088
Total Adjustments	(928)	(26,496)
Net Cash From Operating Activities	38,238	6,060
Cash Flow Used in Investing Activities
Proceeds from the sale of securities available for sale	36,593	44,305
Proceeds from maturities, prepayments and calls of securities available for sale	197,098	110,517
Purchases of securities available for sale	(639,166)	(123,238)
Proceeds from the maturity of interest bearing deposits - time	350	100
Purchase of Federal Reserve Bank stock	(68)	0
Net increase in portfolio loans (loans originated, net of principal payments)	(167,506)	(213,116)
Proceeds from the sale of portfolio loans	2,395	50,516
Proceeds from bank-owned life insurance	1,441	470
Proceeds from the sale of other real estate and repossessed assets	564	1,438
Capital expenditures	(2,603)	(2,587)
Net Cash Used in Investing Activities	(570,902)	(131,595)
CASH FLOW FROM FINANCING ACTIVITIES
Net increase in total deposits	561,018	138,884
Net increase (decrease) in other borrowings	(25,001)	18,355
Proceeds from Federal Home Loan Bank advances	239,254	57,000
Payments of Federal Home Loan Bank advances	(272,910)	(37,143)
Proceeds from issuance of subordinated debt, net of issuance costs	39,236	0
Dividends paid	(13,239)	(12,507)
Proceeds from issuance of common stock	11	282
Repurchase of common stock	(13,784)	(26,284)
Share based compensation withholding obligation	(669)	(879)
Net Cash From Financing Activities	513,916	137,708
Net Increase (Decrease) in Cash and Cash Equivalents	(18,748)	12,173
Cash and Cash Equivalents at Beginning of Period	65,304	70,244
Cash and Cash Equivalents at End of Period	46,556	82,417
Cash paid during the period for
Interest	11,636	20,185
Income taxes	10,500	5,934
Operating leases	1,357	1,692
Transfers to other real estate and repossessed assets	332	1,901
Purchase of securities available for sale not yet settled	23,844	3,075
Securitization of portfolio loans	26,325	29,790
Right of use assets obtained in exchange for lease obligations	279	7,767
Transfer of loans to held for sale	$ 0	$ 36,622

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 Income (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	0	32,556	0	32,556
Cash dividends declared	0	(12,507)	0	(12,507)
Repurchase of common stock	(26,284)	0	0	(26,284)
Issuance of common stock	282	0	0	282
Share based compensation	1,348	0	0	1,348
Share based compensation withholding obligation	(879)	0	0	(879)
Other comprehensive income	0	0	6,735	6,735
Balances at end of period at Sep. 30, 2019	351,839	(8,221)	(3,373)	340,245
Balance at beginning of period at Jun. 30, 2019	351,894	(16,617)	(4,431)	330,846
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	0	12,445	0	12,445
Cash dividends declared	0	(4,049)	0	(4,049)
Repurchase of common stock	(502)	0	0	(502)
Issuance of common stock	0	0	0	0
Share based compensation	460	0	0	460
Share based compensation withholding obligation	(13)	0	0	(13)
Other comprehensive income	0	0	1,058	1,058
Balances at end of period at Sep. 30, 2019	351,839	(8,221)	(3,373)	340,245
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	0	39,166	0	39,166
Cash dividends declared	0	(13,239)	0	(13,239)
Repurchase of common stock	(13,784)	0	0	(13,784)
Issuance of common stock	11	0	0	11
Share based compensation	1,506	0	0	1,506
Share based compensation withholding obligation	(669)	0	0	(669)
Other comprehensive income	0	0	9,932	9,932
Balances at end of period at Sep. 30, 2020	339,408	27,538	6,146	373,092
Balance at beginning of period at Jun. 30, 2020	338,989	12,338	3,796	355,123
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	0	19,584	0	19,584
Cash dividends declared	0	(4,384)	0	(4,384)
Repurchase of common stock	0	0	0	0
Issuance of common stock	0	0	0	0
Share based compensation	497	0	0	497
Share based compensation withholding obligation	(78)	0	0	(78)
Other comprehensive income	0	0	2,350	2,350
Balances at end of period at Sep. 30, 2020	$ 339,408	$ 27,538	$ 6,146	$ 373,092

Condensed Consolidated Statem_7

Condensed Consolidated Statements of Shareholders' Equity (unaudited) (Parenthetical) - $ / shares	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Condensed Consolidated Statements of Shareholders' Equity (unaudited) [Abstract]
Cash dividends declared (in dollars per share)	$ 0.20	$ 0.18	$ 0.60	$ 0.54
Repurchase of shares of common stock (in shares)	0	25,000	678,929	1,204,688
Issuance of shares of common stock (in shares)	0	1,900	11,917	70,299
Share based compensation, common stock (in shares)	10,583	5,991	104,465	92,617
Share based compensation withholding obligation, common stock (in shares)	5,398	919	33,728	57,205

Preparation of Financial Statem

Preparation of Financial Statements	9 Months Ended
	Sep. 30, 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 , and the results of operations for the three and nine-month periods . The results of operations for the three and nine-month periods ended September 30, 2020, are not necessarily indicative of the results to be expected for the full year. Certain reclassifications have been made in the prior period condensed consolidated 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	9 Months Ended
	Sep. 30, 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 expect to estimate losses over approximately a two year forecast period using the Federal Open Market Committee median economic projections and 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 to beginning retained earnings 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 portfolio 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 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	9 Months Ended
	Sep. 30, 2020
Securities [Abstract]
Securities	3. Securities Securities available for sale consist of the following: Amortized Unrealized Cost Gains Losses Fair Value (In thousands) September 30, 2020 U.S. agency $ 10,820 $ 332 $ 22 $ 11,130 U.S. agency residential mortgage-backed 330,914 5,167 521 335,560 U.S. agency commercial mortgage-backed 8,039 382 - 8,421 Private label mortgage-backed 43,190 1,415 320 44,285 Other asset backed 262,435 1,392 456 263,371 Obligations of states and political subdivisions 238,479 6,635 136 244,978 Corporate 71,691 3,558 232 75,017 Trust preferred 1,970 - 200 1,770 Foreign government 500 18 - 518 Total $ 968,038 $ 18,899 $ 1,887 $ 985,050 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) September 30, 2020 U.S. agency $ 1,788 $ 5 $ 2,262 $ 17 $ 4,050 $ 22 U.S. agency residential mortgage-backed 81,400 519 1,298 2 82,698 521 Private label mortgage-backed 14,269 268 749 52 15,018 320 Other asset backed 28,630 129 22,210 327 50,840 456 Obligations of states and political subdivisions 19,075 110 2,003 26 21,078 136 Corporate 10,628 232 - - 10,628 232 Trust preferred - - 1,770 200 1,770 200 Total $ 155,790 $ 1,263 $ 30,292 $ 624 $ 186,082 $ 1,887 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. U.S. agency and U.S. agency residential mortgage-backed securities — at September 30, 2020, we had 27 U.S. agency and 39 U.S. agency residential 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 September 30, 2020, we had 20 private label mortgage backed, 55 other asset backed and 12 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 September 30, 2020, we had municipal securities whose fair value is less than amortized cost. The unrealized losses are primarily due to wider benchmark pricing spreads since acquisition. Trust preferred securities — at September 30, 2020, we had trust preferred securities whose fair value is less than amortized cost. Both of our trust preferred securities are single issue securities issued by a trust subsidiary of a bank holding company. The pricing of trust preferred securities has suffered from credit spread widening. of the securities is rated by a major rating agency as investment grade while the other is non-rated. The non-rated issue is a relatively small bank and was never rated. The issuer of this non-rated trust preferred security, which had a total amortized cost of $ million and total fair value of $ million as of September 30, 2020, continues to have satisfactory credit metrics and make interest payments. 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 and nine month periods ended September 30, 2020 and 2019, respectively. At September 30, 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 $ 403 $ 536 $ 939 Amortized cost 386 368 754 Non-credit unrealized loss - - - Unrealized gain 17 168 185 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 September 30, 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 both 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 September 30, Nine months ended September 30, 2020 2019 2020 2019 (In thousands) (In thousands) Balance at beginning of period $ 1,214 $ 1,594 $ 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 - - - - Reduction (1) - (380 ) - (380 ) Balance at end of period $ 1,214 $ 1,214 $ 1,214 $ 1,214 (1) During the third quarter of 2019 security with previously recorded OTTI was settled and balance is now zero. The amortized cost and fair value of securities available for sale at September 30, 2020, by contractual maturity, follow: Amortized Cost Fair Value (In thousands) Maturing within one year $ 18,967 $ 19,048 Maturing after one year but within five years 80,229 83,042 Maturing after five years but within ten years 63,308 66,592 Maturing after ten years 160,956 164,731 323,460 333,413 U.S. agency residential mortgage-backed 330,914 335,560 U.S. agency commercial mortgage-backed 8,039 8,421 Private label mortgage-backed 43,190 44,285 Other asset backed 262,435 263,371 Total $ 968,038 $ 985,050 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 nine month periods ending September 30, follows: Realized Proceeds Gains Losses (In thousands) 2020 $ 36,593 $ 253 $ - 2019 44,305 169 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 nine months ended September 30, 2019 we recognized gains on these preferred stocks of $ million that are included in net gains on securities available for sale in the Condensed Consolidated Statements of Operations.

Loans

Loans	9 Months Ended
	Sep. 30, 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 September 30, follows: Commercial Mortgage Installment Subjective Allocation Total (In thousands) 2020 Balance at beginning of period $ 8,731 $ 7,261 $ 1,217 $ 17,291 $ 34,500 Additions (deductions) Provision for loan losses (875 ) (257 ) 18 2,089 975 Recoveries credited to the allowance 297 157 196 - 650 Loans charged against the allowance - (162 ) (192 ) - (354 ) Balance at end of period $ 8,153 $ 6,999 $ 1,239 $ 19,380 $ 35,771 2019 Balance at beginning of period $ 8,121 $ 8,062 $ 1,293 $ 8,427 $ 25,903 Additions (deductions) Provision for loan losses (810 ) 83 289 167 (271 ) Recoveries credited to the allowance 1,215 235 202 - 1,652 Loans charged against the allowance (303 ) (397 ) (436 ) - (1,136 ) Balance at end of period $ 8,223 $ 7,983 $ 1,348 $ 8,594 $ 26,148 An analysis of the allowance for loan losses by portfolio segment for the nine months ended September 30, 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 2,804 (895 ) 322 10,653 12,884 Recoveries credited to the allowance 1,463 364 577 - 2,404 Loans charged against the allowance (4,036 ) (686 ) (943 ) - (5,665 ) Balance at end of period $ 8,153 $ 6,999 $ 1,239 $ 19,380 $ 35,771 2019 Balance at beginning of period $ 7,090 $ 7,978 $ 895 $ 8,925 $ 24,888 Additions (deductions) Provision for loan losses 85 270 1,021 (331 ) 1,045 Recoveries credited to the allowance 1,720 786 603 - 3,109 Loans charged against the allowance (672 ) (1,051 ) (1,171 ) - (2,894 ) Balance at end of period $ 8,223 $ 7,983 $ 1,348 $ 8,594 $ 26,148 Allowance for loan losses and recorded investment in loans by portfolio segment follows: Commercial Mortgage Installment Subjective Allocation Total (In thousands) September 30, 2020 Allowance for loan losses: Individually evaluated for impairment $ 1,699 $ 4,174 $ 265 $ - $ 6,138 Collectively evaluated for impairment 6,454 2,825 974 19,380 29,633 Loans acquired with deteriorated credit quality - - - - - Total ending allowance for loan losses balance $ 8,153 $ 6,999 $ 1,239 $ 19,380 $ 35,771 Loans Individually evaluated for impairment $ 10,543 $ 40,573 $ 2,404 $ 53,520 Collectively evaluated for impairment 1,343,763 987,300 478,281 2,809,344 Loans acquired with deteriorated credit quality 906 560 143 1,609 Total loans recorded investment 1,355,212 1,028,433 480,828 2,864,473 Accrued interest included in recorded investment 3,422 4,397 1,175 8,994 Total loans $ 1,351,790 $ 1,024,036 $ 479,653 $ 2,855,479 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) September 30, 2020 Commercial Commercial and industrial (2) $ 266 $ 1,615 $ 1,881 Commercial real estate - 554 554 Mortgage 1-4 family owner occupied - jumbo - 1,207 1,207 1-4 family owner occupied - non-jumbo (3) - 2,364 2,364 1-4 family non-owner occupied - 1,304 1,304 1-4 family - 2nd lien - 1,548 1,548 Resort lending - 699 699 Installment Boat lending - 206 206 Recreational vehicle lending - 96 96 Other - 378 378 Total recorded investment $ 266 $ 9,971 $ 10,237 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 $0.052 million and $0.077 million of government guaranteed loans at September 30, 2020 and December 31, 2019, respectively. (3) Non-performing 1-4 family owner occupied – non jumbo loans exclude $0.458 million and $0.569 million of government guaranteed loans at September 30, 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) September 30, 2020 Commercial Commercial and industrial $ - $ - $ 495 $ 495 $ 763,757 $ 764,252 Commercial real estate 130 - - 130 590,830 590,960 Mortgage 1-4 family owner occupied - jumbo 1,312 - 632 1,944 437,294 439,238 1-4 family owner occupied - non-jumbo 1,053 372 610 2,035 247,086 249,121 1-4 family non-owner occupied 1,336 60 367 1,763 177,101 178,864 1-4 family - 2nd lien 472 251 545 1,268 99,427 100,695 Resort lending 273 443 391 1,107 59,408 60,515 Installment Boat lending 213 38 132 383 211,353 211,736 Recreational vehicle lending 364 19 58 441 168,211 168,652 Other 281 166 225 672 99,768 100,440 Total recorded investment $ 5,434 $ 1,349 $ 3,455 $ 10,238 $ 2,854,235 $ 2,864,473 Accrued interest included in recorded investment $ 102 $ 17 $ - $ 119 $ 8,875 $ 8,994 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: September 30, 2020 December 31, 2019 Impaired loans with no allocated allowance for loan losses (In thousands) Troubled debt restructurings ("TDR") $ 336 $ 337 Non - TDR 1,562 1,550 Impaired loans with an allocated allowance for loan losses TDR - allowance based on collateral 9,412 1,587 TDR - allowance based on present value cash flow 38,934 48,798 Non - TDR - allowance based on collateral 2,963 3,365 Total impaired loans $ 53,207 $ 55,637 Amount of allowance for loan losses allocated TDR - allowance based on collateral $ 1,104 $ 542 TDR - allowance based on present value cash flow 3,838 4,641 Non - TDR - allowance based on collateral 1,196 972 Total amount of allowance for loan losses allocated $ 6,138 $ 6,155 Impaired loans by class are as follows: September 30, 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 $ 122 $ 124 $ - $ 257 $ 257 $ - Commercial real estate - - - 796 796 - Mortgage 1-4 family owner occupied - jumbo 632 632 - - - - 1-4 family owner occupied - non-jumbo 237 314 - 212 217 - 1-4 family non-owner occupied 311 475 - 214 366 - 1-4 family - 2nd lien 442 442 - 407 438 - Resort lending 154 379 - - - - Installment Boat lending - - - - - - Recreational vehicle lending - - - - - - Other - - - 1 41 - 1,898 2,366 - 1,887 2,115 - With an allowance for loan losses recorded: Commercial Commercial and industrial 2,452 2,572 855 1,655 1,706 453 Commercial real estate 7,969 7,980 844 6,685 6,661 578 Mortgage 1-4 family owner occupied - jumbo 1,091 1,458 126 1,447 1,445 91 1-4 family owner occupied - non-jumbo 21,805 22,414 2,300 10,163 10,695 1,031 1-4 family non-owner occupied 4,473 4,810 470 4,962 5,542 572 1-4 family - 2nd lien 620 629 133 14,059 15,243 1,695 Resort lending 10,808 10,972 1,145 12,110 12,263 1,474 Installment Boat lending 139 172 49 - - - Recreational vehicle lending 101 114 23 - - - Other 2,164 2,295 193 2,924 3,153 261 51,622 53,416 6,138 54,005 56,708 6,155 Total Commercial Commercial and industrial 2,574 2,696 855 1,912 1,963 453 Commercial real estate 7,969 7,980 844 7,481 7,457 578 Mortgage 1-4 family owner occupied - jumbo 1,723 2,090 126 1,447 1,445 91 1-4 family owner occupied - non-jumbo 22,042 22,728 2,300 10,375 10,912 1,031 1-4 family non-owner occupied 4,784 5,285 470 5,176 5,908 572 1-4 family - 2nd lien 1,062 1,071 133 14,466 15,681 1,695 Resort lending 10,962 11,351 1,145 12,110 12,263 1,474 Installment Boat lending 139 172 49 - - - Recreational vehicle lending 101 114 23 - - - Other 2,164 2,295 193 2,925 3,194 261 Total $ 53,520 $ 55,782 $ 6,138 $ 55,892 $ 58,823 $ 6,155 Accrued interest included in recorded investment $ 313 $ 255 Average recorded investment in and interest income earned on impaired loans by class for the three month periods ending September 30, 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 $ 103 $ 2 $ - $ - Commercial real estate - - 327 5 Mortgage 1-4 family owner occupied - jumbo 632 - - - 1-4 family owner occupied - non-jumbo 331 - 352 1 1-4 family non-owner occupied 316 2 200 6 1-4 family - 2nd lien 403 - - - Resort lending 77 - - - Installment Boat lending - - - - Recreational vehicle lending - - - - Other - - - 1 1,862 4 879 13 With an allowance for loan losses recorded: Commercial Commercial and industrial 2,431 38 1,534 16 Commercial real estate 12,195 130 6,069 71 Mortgage 1-4 family owner occupied - jumbo 808 11 1,003 9 1-4 family owner occupied - non-jumbo 22,070 277 23,674 336 1-4 family non-owner occupied 4,708 52 5,447 76 1-4 family - 2nd lien 598 3 601 8 Resort lending 11,186 125 12,067 171 Installment Boat lending 106 - 86 2 Recreational vehicle lending 96 1 50 1 Other 2,324 33 3,105 50 56,522 670 53,636 740 Total Commercial Commercial and industrial 2,534 40 1,534 16 Commercial real estate 12,195 130 6,396 76 Mortgage 1-4 family owner occupied - jumbo 1,440 11 1,003 9 1-4 family owner occupied - non-jumbo 22,401 277 24,026 337 1-4 family non-owner occupied 5,024 54 5,647 82 1-4 family - 2nd lien 1,001 3 601 8 Resort lending 11,263 125 12,067 171 Installment Boat lending 106 - 86 2 Recreational vehicle lending 96 1 50 1 Other 2,324 33 3,105 51 Total $ 58,384 $ 674 $ 54,515 $ 753 Average recorded investment in and interest income earned on impaired loans by class for the nine month periods ending September 30, 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 $ 137 $ 4 $ - $ - Commercial real estate 199 - 164 5 Mortgage 1-4 family owner occupied - jumbo 316 - - - 1-4 family owner occupied - non-jumbo 353 4 265 3 1-4 family non-owner occupied 309 5 100 6 1-4 family - 2nd lien 399 - - - Resort lending 77 - - - Installment Boat lending - - - - Recreational vehicle lending - - - - Other - - - 1 1,790 13 529 15 With an allowance for loan losses recorded: Commercial Commercial and industrial 2,231 105 2,406 52 Commercial real estate 11,657 641 5,552 221 Mortgage 1-4 family owner occupied - jumbo 1,228 39 1,248 26 1-4 family owner occupied - non-jumbo 19,116 901 24,110 1,031 1-4 family non-owner occupied 4,746 170 6,040 227 1-4 family - 2nd lien 4,017 9 479 14 Resort lending 11,506 358 12,607 493 Installment Boat lending 72 - 68 2 Recreational vehicle lending 80 2 65 2 Other 2,545 109 3,211 145 57,198 2,334 55,786 2,213 Total Commercial Commercial and industrial 2,368 109 2,406 52 Commercial real estate 11,856 641 5,716 226 Mortgage 1-4 family owner occupied - jumbo 1,544 39 1,248 26 1-4 family owner occupied - non-jumbo 19,469 905 24,375 1,034 1-4 family non-owner occupied 5,055 175 6,140 233 1-4 family - 2nd lien 4,416 9 479 14 Resort lending 11,583 358 12,607 493 Installment Boat lending 72 - 68 2 Recreational vehicle lending 80 2 65 2 Other 2,545 109 3,211 146 Total $ 58,988 $ 2,347 $ 56,315 $ 2,228 Cash receipts on impaired loans on non-accrual status are generally applied to the principal balance. TDRs follow: September 30, 2020 Commercial Retail (1) Total (In thousands) Performing TDRs $ 8,292 $ 37,337 $ 45,629 Non-performing TDRs (2) 1,203 1,850 ( 3 ) 3,053 Total $ 9,495 $ 39,187 $ 48,682 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 portfolio 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 $4.9 million and $5.2 million of specific reserves to customers whose loan terms have been modified in troubled debt restructurings (“TDR”) at September 30, 2020 and December 31, 2019, respectively. During the nine months ended September 30, 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 a new loan 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 360 months in certain circumstances. Loans that have been classified as TDRs during the three-month periods ended September 30 follow: Number of Contracts Pre-modification Recorded Balance Post-modification Recorded Balance (Dollars in thousands) 2020 Commercial Commercial and industrial - $ - $ - Commercial real estate - - - Mortgage 1-4 family owner occupied - jumbo - - - 1-4 family owner occupied - non-jumbo 1 92 95 1-4 family non-owner occupied 1 52 54 1-4 family - 2nd lien - - - Resort lending - - - Installment Boat lending - - - Recreational vehicle lending - - - Other 1 19 19 Total 3 $ 163 $ 168 2019 Commercial Commercial and industrial 2 $ 137 $ 137 Commercial real estate - - - Mortgage 1-4 family owner occupied - jumbo - - - 1-4 family owner occupied - non-jumbo 1 198 202 1-4 family non-owner occupied - - - 1-4 family - 2nd lien 3 75 75 Resort lending - - - Installment Boat lending - - - Recreational vehicle lending - - - Other 1 28 28 Total 7 $ 438 $ 442 Loans that have been classified as s during the nine-month periods ended follow: Number of Contracts Pre-modification Balance Post-modification Balance (Dollars in thousands) 2020 Commercial Commercial and industrial 7 $ 1,207 $ 1,207 Commercial real estate 4 7,012 7,012 Mortgage 1-4 family owner occupied - jumbo - - - 1-4 family owner occupied - non-jumbo 3 195 203 1-4 family non-owner occupied 2 111 116 1-4 family - 2nd lien 2 45 46 Resort lending - - - Installment Boat lending - - - Recreational vehicle lending - - - Other 2 52 53 Total 20 $ 8,622 $ 8,637 2019 Commercial Commercial and industrial 3 $ 186 $ 186 Commercial real estate 2 1,329 1,329 Mortgage 1-4 family owner occupied - jumbo - - - 1-4 family owner occupied - non-jumbo 2 479 483 1-4 family non-owner occupied 1 506 505 1-4 family - 2nd lien 3 75 75 Resort lending - - - Installment Boat lending - - - Recreational vehicle lending - - - Other 7 188 191 Total 18 $ 2,763 $ 2,769 The troubled debt restructurings described above for decreased the allowance for loan losses by $ million and resulted in charge offs during the months ended , and increased the allowance for loan losses by $ million and resulted in charge offs during the months ended The troubled debt restructurings described above for increased the allowance for loan losses by $ million and resulted in charge offs during the months ended , and increased the allowance for loan losses by $ million and resulted in charge offs during the months ended . There were no troubled debt restructurings that subsequently defaulted within twelve months following the modification during the three and nine months periods ended September 30, 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 - A summary of accommodations entered into under this guidance as of September 30, 2020 follows: Commercial and Retail Loan COVID-19 Accomodations Covid-19 Accomodations Total % of Total Loan Category Loans (#) Loans ($) Loans Loans Commercial 17 $ 25,105 $ 1,351,790 1.9 % Mortgage 197 32,091 1,024,036 3.1 % Installment 97 2,631 479,653 0.5 % Total 311 $ 59,827 $ 2,855,479 2.1 % Mortgage loans serviced for others(1) 416 $ 66,279 $ 2,873,153 2.3 % 1) We have delegated authority from all investors to grant these deferrals on their behalf. Information on subsequent accommodation extensions follows: Commercial and Retail Loan COVID-19 Subsequent Accomodations Loan Category Loans (#) Loans ($) Commercial 6 $ 5,726 Mortgage 125 22,571 Installment 51 1,583 Total 182 $ 29,880 The CARES Act also included an initial $349 billion loan program administered through the U.S. Small Business Administration (“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 intending to provide American small businesses with eight weeks of cash-flow assistance through 100 percent federally guaranteed loans through the SBA. In late April 2020 the Paycheck Protection Program and Health Care Enhancement Act, added another $310 billion in funding while the Paycheck Protection Program Flexibility Act made certain changes to the program, by allowing for more time to spend the funds, and making it easier to get a loan fully forgiven. The PPP closed on August 8, 2020 . Most recently, the SBA released a simpler loan forgiveness application for PPP loans of $ 50,000 or less that streamlines the PPP forgiveness process for such loans. As of September 30, 2020, we have submitted forgiveness applications for loans totaling $ million. Interest and fees on loans in our condensed consolidated statement of operations includes $ million and $ million for the three and nine month periods of 2020, related to the accretion of net loan fees on PPP loans. such accretion is included in the comparable prior year periods. At September 30, 2020 we had $ million of remaining unaccreted net fees related to PPP loans. 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 the loan 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 portfolio loan segment: Commercial Non-watch 1-6 Watch 7-8 Substandard Accrual 9 Non- Accrual 10-11 Total (In thousands) September 30, 2020 Commercial and industrial $ 715,810 $ 42,153 $ 4,674 $ 1,615 $ 764,252 Commercial real estate 579,547 8,187 2,672 554 590,960 Total $ 1,295,357 $ 50,340 $ 7,346 $ 2,169 $ 1,355,212 Accrued interest included in total $ 3,267 $ 116 $ 39 $ - $ 3,422 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 portfolio 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 portfolio 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) September 30, 2020 _ $ 49,057 $ 35,243 $ 28,557 $ 13,443 $ 10,433 $ 136,733 _ 219,844 64,957 78,503 42,292 28,294 433,890 _ 110,981 74,914 48,228 26,334 11,557 272,014 _ 41,101 36,963 14,511 11,982 7,277 111,834 _ 12,387 17,032 4,986 2,954 2,064 39,423 _ 3,477 12,270 1,908 2,214 494 20,363 _ 2,391 6,062 1,475 1,134 243 11,305 _ - 1,680 696 342 153 2,871 _ - - - - - - _ $ 439,238 $ 249,121 $ 178,864 $ 100,695 $ 60,515 $ 1,028,433 Accrued interest included in total $ 1,288 $ 1,891 $ 590 $ 363 $ 265 $ 4,397 December 31, 2019 _ $ 48,486 $ 43,848 $ 24,315 $ 13,905 $ 11,076 $ 141,630 _ 198,491 111,521 84,656 50,012 29,364 474,044 _ 106,609 95,064 34,839 30,697 14,626 281,835 _ 31,553 51,174 13,995 14,267 8,063 119,052 _ 13,230 21,938 5,897 4,097 2,074 47,236 _ 514 12,308 1,863 1,703 673 17,061 _ 1,519 7,940 1,870 1,281 889 13,499 _ 641 2,208 533 511 79 3,972 _ 510 1,259 1,569 69 1,330 4,737 _ $ 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) September 30, 2020 _ $ 33,385 $ 29,085 $ 8,466 $ 70,936 _ 124,751 94,666 36,373 255,790 _ 38,729 34,236 26,833 99,798 _ 11,557 8,059 21,998 41,614 _ 2,089 1,668 3,738 7,495 _ 632 449 1,394 2,475 _ 242 465 755 1,462 _ 351 24 180 555 _ - - 703 703 _ $ 211,736 $ 168,652 $ 100,440 $ 480,828 Accrued interest included in total $ 471 $ 381 $ 323 $ 1,175 December 31, 2019 _ $ 28,041 $ 24,470 $ 7,611 $ 60,122 _ 118,380 88,164 37,583 244,127 _ 41,490 31,055 27,204 99,749 _ 11,485 7,267 22,517 41,269 _ 2,254 1,411 4,470 8,135 _ 946 592 1,884 3,422 _ 377 464 1,127 1,968 _ 309 22 284 615 _ - - 1,204 1,204 _ $ 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 September 30, 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 $0.04 million and $0.70 million at September 30, 2020 and December 31, 2019, respectively. During the first quarter of 2020, we securitized $26.3 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 $0.07 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. During the quarter of , we sold $ million of residential fixed and adjustable rate portfolio mortgage loans servicing retained to another financial institution and recognized a gain on sale of $ million. During the quarter of we also transferred $ million, of portfolio residential fixed rate mortgage loans to loans held for sale, carried at the lower of cost or fair value. At the time of transfer and at the fair value of these loans exceeded their cost. During the quarter of these loans were securitized servicing retained with Freddie Mac and we recognized a gain on sale of approximately $ million. 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: September 30, 2020 December 31, 2019 (In thousands) Commercial $ 906 $ 1,394 Mortgage 560 575 Installment 143 316 Total carrying amount 1,609 2,285 Allowance for loan losses - - Carrying amount, net of allowance for loan losses $ 1,609 $ 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 September 30, Nine months ended September 30, 2020 2019 2020 2019 (unaudited) (unaudited) (In thousands) (In thousands) Balance at beginning of period $ 573 $ 749 $ 640 $ 462 New loans purchased - - - - Accretion recorded as loan interest income (156 ) (56 ) (223 ) (134 ) Reclassification from (to) nonaccretable difference - - - 365 Displosals/other adjustments - - - - Balance at end of period $ 417 $ 693 $ 417 $ 693

Shareholders' Equity and Earnin

Shareholders' Equity and Earnings Per Common Share	9 Months Ended
	Sep. 30, 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 . Shares would be repurchased through The timing and amount of any share repurchases will depend on a variety of factors, including, among others, securities law restrictions, the trading price of our common stock, regulatory requirements, potential alternative uses for capital, and our financial performance. Due primarily to the economic uncertainty brought on by the COVID , we have not purchased any of our shares since . However, primarily as a result of our financial performance and improved economic conditions, and dependent upon market and other factors, we may begin to purchase our shares under the share repurchase plan during the last months of the year. During the month periods ended and repurchases were made totaling shares and shares of common stock, respectively, for an aggregate purchase price of $ million and $ million, respectivel A reconciliation of basic and diluted net income per common share follows: Three Months Ended September 30, Nine Months Ended September 30, 2020 2019 2020 2019 (In thousands, except per share data) Net income $ 19,584 $ 12,445 $ 39,166 $ 32,556 Weighted average shares outstanding (1) 21,881 22,486 22,014 23,033 Stock units for deferred compensation plan for non-employee directors 117 132 119 131 Effect of stock options 85 110 90 116 Performance share units 32 42 33 39 Weighted average shares outstanding for calculation of diluted earnings per share 22,115 22,770 22,256 23,319 Net income per common share Basic (1) $ 0.90 $ 0.55 $ 1.78 $ 1.41 Diluted $ 0.89 $ 0.55 $ 1.76 $ 1.40 (1) Basic net income per common share includes weighted average common shares outstanding during the period and participating share awards. 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 and nine month periods ended September 30, 2020 and 2019, respectively.

Derivative Financial Instrument

Derivative Financial Instruments	9 Months Ended
	Sep. 30, 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: September 30, 2020 Notional Amount Average Maturity (years) Fair Value (Dollars in thousands) Fair value hedge designation - Pay-fixed interest rate swap agreements $ 7,117 8.6 $ (860 ) No hedge designation Rate-lock mortgage loan commitments $ 196,646 0.1 $ 8,356 Mandatory commitments to sell mortgage loans 232,948 0.1 (580 ) Pay-fixed interest rate swap agreements - commercial 144,787 4.7 (10,811 ) Pay-variable interest rate swap agreements - commercial 144,787 4.7 10,811 Pay-fixed interest rate swap agreements 25,000 0.8 (409 ) Interest rate cap agreements 150,000 1.8 5 Purchased options 2,908 0.8 30 Written options 2,848 0.8 (30 ) Total $ 899,924 1.9 $ 7,372 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. Under interest-rate cap agreements, we will receive cash if interest rates rise above a predetermined level. As a result, we effectively have variable-rate debt with an established maximum rate. We paid an upfront premium on interest rate caps which was recognized in earnings in the same period in which the hedged item affected earnings. During the first and third quarters of 2020 we transferred all of our Cash Flow Hedge interest rate cap agreements and pay-fixed interest rate swaps, respectively to a no hedge designation. The $ million and $ million unrealized loss on our Cash Flow Hedge interest rate cap agreements and pay-fixed interest rate swaps, respectively which were included as a component of accumulated other comprehensive income (loss) at the time of the transfers will be reclassified into earnings over the remaining life of the interest rate cap agreements and pay-fixed interest rate swaps. The interest rate cap agreements and pay-fixed interest rate swaps are classified as a no hedge designation at September 30, 2020 and any changes in fair value since the transfers to the no hedge designation are recorded in earnings. Prior to moving all of our Cash Flow Hedges to a no hedge designation as discussed above, we had recorded the fair value of these hedges unrealized losses from the previously classified Cash Flow Hedges (all a result of the unrealized losses discussed in the previous paragraph) at September 30, 2020 will be reclassified to earnings over the next twelve months. 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 September 30, 2020 December 31, 2019 September 30, 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 $ 860 Other liabilities $ 416 Interest rate cap agreements Other assets - Other assets 214 Other liabilities - Other liabilities - - 214 860 416 Derivatives not designated as hedging instruments Rate-lock mortgage loan commitments Other assets 8,356 Other assets 1,412 Other liabilities - Other liabilities - Mandatory commitments to sell mortgage loans Other assets - Other assets - Other liabilities 580 Other liabilities 150 Pay-fixed interest rate swap agreements - commercial Other assets - Other assets 28 Other liabilities 10,811 Other liabilities 3,669 Pay-variable interest rate swap agreements - commercial Other assets 10,811 Other assets 3,669 Other liabilities - Other liabilities 28 Pay-fixed interest rate swap agreements Other assets - Other assets - Other liabilities 409 Other liabilities - Interest rate cap agreements Other assets 5 Other assets - Other liabilities - Other liabilities - Purchased options Other assets 30 Other assets 141 Other liabilities - Other liabilities - Written options Other assets - Other assets - Other liabilities 30 Other liabilities 139 19,202 5,250 11,830 3,986 Total derivatives $ 19,202 $ 5,464 $ 12,690 $ 4,402 The effect of derivative financial instruments on the Condensed Consolidated Statements of Operations follows: Three Month Periods Ended September 30, Loss Recognized in Other Comprehensive Income (Effective Portion) Location of Gain (Loss) Reclassified from Accumulated Other Comprehensive Income (Loss) into Income (Effective Gain (Loss) Reclassified from Accumulated Other Comprehensive Income (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 $ 6 $ (188 ) Cash Flow Hedges Interest rate cap agreements $ - $ (37 ) Interest expense $ (180 ) $ 88 Pay-fixed interest rate swap agreements (26 ) (35 ) Interest expense (130 ) 14 Total $ (26 ) $ (72 ) $ (310 ) $ 102 No hedge designation Rate-lock mortgage loan commitments Net gains on mortgage loans $ 1,096 $ (96 ) Mandatory commitments to sell mortgage loans Net gains on mortgage loans 52 307 Pay-fixed interest rate swap agreements - commercial Interest income 688 (1,670 ) Pay-variable interest rate swap agreements - commercial Interest income (688 ) 1,670 Pay-fixed interest rate swap agreements Interest expense 117 - Interest rate cap agreements Interest expense (14 ) - Purchased options Interest expense (10 ) (46 ) Written options Interest expense 10 46 Total $ 1,251 $ 211 Nine Month Periods Ended September 30, Gain (Loss) Recognized in Other Comprehensive Income (Effective Portion) Location of Gain (Loss) Reclassified from Accumulated Other Comprehensive Income (Loss) into Income (Effective Gain (Loss) Reclassified from Accumulated Other Comprehensive Income (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 $ (618 ) $ (391 ) Cash Flow Hedges Interest rate cap agreements $ 126 $ (1,311 ) Interest expense $ (413 ) $ 321 Pay-fixed interest rate swap agreements (480 ) (429 ) Interest expense (233 ) 72 Total $ (354 ) $ (1,740 ) $ (646 ) $ 393 No hedge designation Rate-lock mortgage loan commitments Net gains on mortgage loans $ 6,944 $ 1,364 Mandatory commitments to sell mortgage loans Net gains on mortgage loans (430 ) 356 Pay-fixed interest rate swap agreements - commercial Interest income (7,170 ) (5,254 ) Pay-variable interest rate swap agreements - commercial Interest income 7,170 5,254 Pay-fixed interest rate swap agreements Interest expense 117 - Interest rate cap agreements Interest expense (56 ) - Purchased options Interest expense (111 ) 9 Written options Interest expense 109 (8 ) Total $ 6,573 $ 1,721

Goodwill and Other Intangibles

Goodwill and Other Intangibles	9 Months Ended
	Sep. 30, 2020
Goodwill and Other Intangibles [Abstract]
Goodwill and Other Intangibles	7. Goodwill and Other Intangibles The following table summarizes intangible assets, net of amortization: September 30, 2020 December 31, 2019 Gross Carrying Amount Accumulated Amortization Gross Carrying Amount Accumulated Amortization (In thousands) Amortized intangible assets - core deposits $ 11,916 $ 7,355 $ 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. Since the first quarter of 2020 bank stocks in general as well as our market capitalization have 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 goodwill impairment exists at September 30, 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 September 30, 2020 follows: (In thousands) Three months ending December 31, 2020 $ 255 2021 970 2022 785 2023 547 2024 516 2025 and thereafter 1,488 Total $ 4,561

Share Based Compensation

Share Based Compensation	9 Months Ended
	Sep. 30, 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 September 30, 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 September 30, 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 September 30, Nine Months Ended September 30, 2020 2019 2020 2019 Restricted stock 3,000 8,000 55,996 64,267 PSU - - 20,897 22,016 Except for 0.008 million shares of restricted stock issued during the third quarter of 2019 and 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 an index of our banking 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. During the nine month periods ended September 30, 2020 and 2019 we issued 0.016 million and 0.008 million shares, respectively and expensed their value during those same periods. Total compensation expense recognized for grants pursuant to our long-term incentive plan was and during the three and nine month periods ended September 30, 2020 respectively, and was and during the same periods in 2019 respectively. The corresponding tax benefit relating to this expense was and for the three and nine month periods ended September 30, 2020 respectively and and for the same periods in 2019 Total expense recognized for non-employee director share based payments was and during the three and nine month periods ended September 30, 2020 respectively, and was and during the same periods in 2019 respectively. The corresponding tax benefit relating to this expense was and for the three and nine month periods ended September 30, 2020 respectively and and during the same periods in 2019 At September 30, 2020, the total expected compensation cost related to non-vested restricted stock and PSUs not yet recognized was $2.1 million. The weighted-average period over which this amount will be recognized is 1.8 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 (13,117 ) 3.50 Forfeited - Expired - Outstanding at September 30, 2020 125,389 $ 4.73 2.3 $ 993 Vested and expected to vest at September 30, 2020 125,389 $ 4.73 2.3 $ 993 Exercisable at September 30, 2020 125,389 $ 4.73 2.3 $ 993 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 76,893 22.46 Vested (77,092 ) 20.61 Forfeited (20,869 ) 22.64 Outstanding at September 30, 2020 224,658 $ 22.26 Certain information regarding options exercised during the periods follows: Three Months Ended September 30, Nine Months Ended September 30, 2020 2019 2020 2019 (In thousands) (In thousands) Intrinsic value $ 11 $ 32 $ 224 $ 868 Cash proceeds received $ 4 $ 6 $ 46 $ 701 Tax benefit realized $ 2 $ 6 $ 47 $ 182

Income Tax

Income Tax	9 Months Ended
	Sep. 30, 2020
Income Tax [Abstract]
Income Tax	9. Income Tax Income tax expense was and during the three month periods ended September 30, 2020 and 2019 respectively and and during the nine months ended September 30, 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 three and nine month periods ending September 30, 2020 include increases (reductions) of $ million and ( , respectively, of income tax expense related to the 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. These amounts during the same periods in 2019 were reductions of $ million and , respectively. W e 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. We concluded at and that the realization of substantially all of our deferred tax assets continues to be more likely than not At both September 30, 2020 and December 31, 2019 we had approximately , 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	9 Months Ended
	Sep. 30, 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 September 30, 2020, the Bank had positive undivided profits of $68.3 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. Under capital adequacy guidelines, we must meet specific capital requirements that involve quantitative measures as well as qualitative judgments by the regulators. The most recent regulatory filings as of September 30, 2020 and December 31, 2019, categorized our Bank as well capitalized. Management is not aware of any conditions or events that would have changed the most recent Federal Deposit Insurance Corporation (“FDIC”) categorization. Our actual capital amounts and ratios follow (1): Actual Minimum for Adequately Capitalized Institutions Minimum for Well-Capitalized Institutions Amount Ratio Amount Ratio Amount Ratio (Dollars in thousands) September 30, 2020 Total capital to risk-weighted assets Consolidated $ 441,969 15.62 % $ 226,378 8.00 % NA NA Independent Bank 391,033 13.82 226,310 8.00 $ 282,888 10.00 % Tier 1 capital to risk-weighted assets Consolidated $ 366,571 12.95 % $ 169,783 6.00 % NA NA Independent Bank 355,645 12.57 169,733 6.00 $ 226,310 8.00 % Common equity tier 1 capital to risk-weighted assets Consolidated $ 328,288 11.60 % $ 127,338 4.50 % NA NA Independent Bank 355,645 12.57 127,299 4.50 $ 183,877 6.50 % Tier 1 capital to average assets Consolidated $ 366,571 9.05 % $ 162,103 4.00 % NA NA Independent Bank 355,645 8.78 162,020 4.00 $ 202,525 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 September 30, 2020 and December 31, 2019. NA - Not applicable The components of our regulatory capital are as follows: Consolidated Independent Bank September 30, 2020 December 31, 2019 September 30, 2020 December 31, 2019 (In thousands) Total shareholders' equity $ 373,092 $ 350,169 $ 400,449 $ 366,861 Add (deduct) Accumulated other comprehensive income for regulatory purposes (11,943 ) (2,011 ) (11,943 ) (2,011 ) Goodwill and other intangibles (32,861 ) (33,626 ) (32,861 ) (33,626 ) Common equity tier 1 capital 328,288 314,532 355,645 331,224 Qualifying trust preferred securities 38,283 38,232 - - Tier 1 capital 366,571 352,764 355,645 331,224 Subordinated debt 40,000 - - - Allowance for loan losses and allowance for unfunded lending commitments limited to 1.25% of total risk-weighted assets 35,398 27,690 35,388 27,690 Total risk-based capital $ 441,969 $ 380,454 $ 391,033 $ 358,914

Fair Value Disclosures

Fair Value Disclosures	9 Months Ended
	Sep. 30, 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 Loans held for sale Impaired loans with specific loss allocations based on collateral value Other real estate 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 Assets Group (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 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) September 30, 2020: Measured at Fair Value on a Recurring Basis Assets Securities available for sale U.S. agency $ 11,130 $ - $ 11,130 $ - U.S. agency residential mortgage-backed 335,560 - 335,560 - U.S. agency commercial mortgage-backed 8,421 - 8,421 - Private label mortgage-backed 44,285 - 44,285 - Other asset backed 263,371 - 263,371 - Obligations of states and political subdivisions 244,978 - 244,978 - Corporate 75,017 - 75,017 - Trust preferred 1,770 - 1,770 - Foreign government 518 - 518 - Loans held for sale, carried at fair value 99,747 - 99,747 - Capitalized mortgage loan servicing rights 15,403 - - 15,403 Derivatives (1) 19,202 - 19,202 - Liabilities Derivatives (2) 12,690 - 12,690 - Measured at Fair Value on a Non-recurring Basis: Assets Impaired loans (3) Commercial Commercial and industrial 1,591 - - 1,591 Commercial real estate 7,098 - - 7,098 Mortgage 1-4 family owner occupied - jumbo 500 - - 500 1-4 family owner occupied - non-jumbo 284 - - 284 1-4 family non-owner occupied 58 - - 58 1-4 family - 2nd lien 200 - - 200 Resort lending 77 - - 77 Installment Boat lending 90 - - 90 Recreational vehicle lending 38 - - 38 Other 139 - - 139 Other real estate (4) Commercial - commercial real estate 474 474 - - (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 executed during the third quarter of 2020 that closed during the fourth 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 Nine-Month Periods Ended September 30 for Items Measured at Fair Value Pursuant to Election of the Fair Value Option Net Gains on Assets Mortgage Total Change in Fair Values Included in Current Securities Available For Sale Mortgage Loans Loan Servicing, net Period Earnings (In thousands) 2020 Loans held for sale - 2,081 - 2,081 Capitalized mortgage loan servicing rights - - (14,028 ) (14,028 ) 2019 Equity securities at fair value $ 167 $ - $ - $ 167 Loans held for sale - 822 - 822 Capitalized mortgage loan servicing rights - - (9,258 ) (9,258 ) 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 and nine month periods ended September 30, 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 $10.1 million, which is net of a valuation allowance of $2.3 million at September 30, 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 a net expense of $0.2 million and $0.5 million for the three month periods ending 30, 2020 and 2019, respectively, and a net expense of $ million and $ million for the nine month periods ending 30, 2020 and 2019, respectively. • Other real estate, which is measured using the fair value of the property, had a carrying amount of 0.47 million which is net of a valuation allowance of $0.15 million at September 30, 2020, and a carrying amount of $0.06 million which is net of a valuation allowance of $0.09 million, at December 31, 2019. Charges included in our results of operations relating to $ million during the three and nine month periods ended September 30, 2020, and were $ million and $ million during the three and nine month periods ended 30, 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 September 30, Nine Months Ended September 30, 2020 2019 2020 2019 (In thousands) (In thousands) Beginning balance $ 13,773 $ 17,894 $ 19,171 $ 21,400 Total gains (losses) realized and unrealized: Included in results of operations (2,387 ) (3,145 ) (14,028 ) (9,258 ) Included in other comprehensive income - - - - Purchases, issuances, settlements, maturities and calls 4,017 2,157 10,260 4,764 Transfers in and/or out of Level 3 - - - - Ending balance $ 15,403 $ 16,906 $ 15,403 $ 16,906 Amount of total losses for the period included in earnings attributable to the change in unrealized gains (losses) relating to assets and liabilities still held at September 30 $ (2,387 ) $ (3,145 ) $ (14,028 ) $ (9,258 ) The fair value of our capitalized mortgage loan servicing rights has been determined based on a valuation model used by an independent third party as discussed above. The significant unobservable inputs used in the fair value measurement of the capitalized mortgage loan servicing rights are discount rate, cost to service, ancillary income, float rate and prepayment rate. Significant changes in all five of these assumptions in isolation would result in significant changes to the value of our capitalized mortgage loan servicing rights. 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) - - - September 30, 2020 Capitalized mortgage loan servicing rights $ 15,403 Present value of net Discount rate 10.00% to 13.00% 10.10 % servicing revenue Cost to service $ 58 to $215 $ 79 Ancillary income 20 to 37 22 Float rate 0.35 % 0.35 % Prepayment rate 7.34% to 40.16% 22.01 % 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) - - September 30, 2020 Impaired loans Commercial $ 8,689 Sales comparison approach Adjustment for differences between comparable sales (40.0)% to 75.0% 4.5 % Income approach Capitalization rate 9.5 % 9.5 % Mortgage and Installment(1) 1,386 Sales comparison approach Adjustment for differences between comparable sales (12.0)% to 104.6% 4.0 % 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 September 30, 2020 and December 31, 2019 certain impaired collateral dependent installment loans totaling approximately $0.27 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 September 30, 2020 $ 99,747 $ 3,975 $ 95,772 December 31, 2019 69,800 1,894 67,906

Fair Values of Financial Instru

Fair Values of Financial Instruments	9 Months Ended
	Sep. 30, 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) September 30, 2020 Assets Cash and due from banks $ 42,435 $ 42,435 $ 42,435 $ - $ - Interest bearing deposits 4,121 4,121 4,121 - - Securities available for sale 985,050 985,050 - 985,050 - Federal Home Loan Bank and Federal Reserve Bank Stock 18,427 NA NA NA NA Net loans and loans held for sale 2,919,455 2,915,489 - 99,747 2,815,742 Accrued interest receivable 12,402 12,402 1 3,409 8,992 Derivative financial instruments 19,202 19,202 - 19,202 - Liabilities Deposits with no stated maturity (1) $ 3,105,019 $ 3,105,019 $ 3,105,019 $ - $ - Deposits with stated maturity (1) 492,726 495,694 - 495,694 - Other borrowings 30,005 31,477 - 31,477 - Subordinated debt 39,261 40,999 - 40,999 - Subordinated debentures 39,507 28,941 - 28,941 - Accrued interest payable 1,408 1,408 62 1,346 - Derivative financial instruments 12,690 12,690 - 12,690 - 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 $ million and $ million at September 30, 2020 and December 31, 2019, respectively. Deposits with a stated maturity include reciprocal deposits with a recorded book balance of $ million and $ million at September 30, 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	9 Months Ended
	Sep. 30, 2020
Contingencies [Abstract]
Contingencies	13. Contingencies COVID-19 Pandemic 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. The Governor of Michigan issued her first "stay home, stay safe" executive order effective March 24, 2020. In general, that order and subsequent modifications required individuals in Michigan to stay at home or their place of residence, except for certain specified activities that were deemed necessary to sustain or protect life. That original executive order was amended several times and was later rescinded and replaced entirely by a series of "Safer at Home" executive orders, which generally extended certain social distancing restrictions, but lifted the requirement that individuals remain in their homes. The series of "Safer at Home" orders, along with all other executive orders relating to the pandemic issued by Michigan's Governor after April 30, 2020, were then deemed unconstitutional by the Michigan Supreme Court on October 2, 2020. Since then, the Michigan Department of Health and Human Services (MDHHS) has issued orders similar to the Governor's executive orders under authority granted to the MDHHS by the Michigan Public Health Code – a different statute than the law on which the Governor based her executive orders. Under the MDHHS' orders, social distancing restrictions remain in place; however, certain retail operations, restaurants and bars, and other businesses are permitted to conduct in-person operations, subject to capacity limitations and other workplace safety requirements. The degree to which businesses may resume operations varies based on the region of the state in which they are located. It is currently expected that various forms of state and local government restrictions similar to those described above will continue through the fourth quarter and perhaps beyond. As a result of these events, Michigan has experienced a significant increase in unemployment. The COVID-19 pandemic, the related executive orders, and other government restrictions and guidance have had and continue 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. Certain industries (such as hotels and restaurants) have been more adversely impacted by the COVID-19 pandemic and related periodic shut downs of our economy. We believe that the following industry concentrations within our commercial loan portfolio represent greater potential risk in the current economic environment. The balances below are as of September 30, 2020. Commercial and industrial portfolio segment: • Retail - $ million • Food service - $59 million • Hotel - $45 million Commercial real estate portfolio segment: • Retail - $ million • Office - $53 million • Multifamily - $62 million We are closely monitoring these industry concentrations and at present do not foresee any significant losses relative to this portion of our loan portfolio given the current economic conditions in Michigan and the fact that many businesses have reopened. However, a high degree of uncertainty still exists with respect to the impact of the COVID-19 pandemic and the related economic disruptions on the future performance of our loan portfolio, including these concentrations. Litigation 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. Loss Reimbursement Obligations 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 $0.05 million and $0.03 million for the three month periods ended September 30, 2020 and 2019 and an expense of $ million and $ million for the month periods ended and , respectively Visa Stock We own 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 Class A shares and the closing price of VISA Class A shares on October 28, 2020 of $ per share, our Class B shares would have a current “value” of approximately $ 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, which would not have any trading restrictions.

Accumulated Other Comprehensive

Accumulated Other Comprehensive Income (Loss) ("AOCIL")	9 Months Ended
	Sep. 30, 2020
Accumulated Other Comprehensive Income (Loss) ("AOCIL") [Abstract]
Accumulated Other Comprehensive Income (Loss) ("AOCIL")	14. Accumulated Other Comprehensive Income (Loss) (“AOCIL”) A summary of changes in AOCIL 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 September 30, 2020 Balances at beginning of period $ 11,315 $ (5,798 ) $ (1,721 ) $ 3,796 Other comprehensive income (loss) before reclassifications 2,125 - (20 ) 2,105 Amounts reclassified from AOCIL - - 245 245 Net current period other comprehensive income 2,125 - 225 2,350 Balances at end of period $ 13,440 $ (5,798 ) $ (1,496 ) $ 6,146 2019 Balances at beginning of period $ 3,040 $ (5,798 ) $ (1,673 ) $ (4,431 ) Other comprehensive income (loss) before reclassifications 1,196 - (58 ) 1,138 Amounts reclassified from AOCIL - - (80 ) (80 ) Net current period other comprehensive income (loss) 1,196 - (138 ) 1,058 Balances at end of period $ 4,236 $ (5,798 ) $ (1,811 ) $ (3,373 ) For the nine months ended September 30, 2020 Balances at beginning of period $ 3,739 $ (5,798 ) $ (1,727 ) $ (3,786 ) Other comprehensive income (loss) before reclassifications 9,901 - (279 ) 9,622 Amounts reclassified from AOCIL (200 ) - 510 310 Net current period other comprehensive income 9,701 - 231 9,932 Balances at end of period $ 13,440 $ (5,798 ) $ (1,496 ) $ 6,146 2019 Balances at beginning of period $ (4,185 ) $ (5,798 ) $ (125 ) $ (10,108 ) Other comprehensive income (loss) before reclassifications 8,529 - (1,376 ) 7,153 Amounts reclassified from AOCIL (108 ) - (310 ) (418 ) Net current period other comprehensive income (loss) 8,421 - (1,686 ) 6,735 Balances at end of period $ 4,236 $ (5,798 ) $ (1,811 ) $ (3,373 ) 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 AOCIL as long as we carry a more than inconsequential portfolio of securities available for sale. A summary of reclassifications out of each component of AOCIL for the three months ended September 30 follows: AOCIL Component Amount Reclassified From AOCIL Affected Line Item in Condensed Consolidated Statements of Operations (In thousands) 2020 Unrealized gains on securities available for sale $ - Net gains on securities available for sale - Net impairment loss recognized in earnings - Total reclassifications before tax - Income tax expense $ - Reclassifications, net of tax Unrealized losses on cash flow hedges $ 310 Interest expense 65 Income tax expense $ 245 Reclassification, net of tax $ (245 ) Total reclassifications for the period, net of tax 2019 Unrealized gains on securities available for sale $ - Net gains on securities available for sale - Net impairment loss recognized in earnings - Total reclassifications before tax - Income tax expense $ - Reclassifications, net of tax Unrealized losses on cash flow hedges $ (102 ) Interest expense (22 ) Income tax expense $ (80 ) Reclassification, net of tax $ 80 Total reclassifications for the period, net of tax A summary of reclassifications out of each component of AOCIL for the nine months ended September 30 follows: AOCIL Component Amount Reclassified From AOCIL Affected Line Item in Condensed Consolidated Statements of Operations (In thousands) 2020 Unrealized gains on securities available for sale $ 253 Net gains on securities available for sale - 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 $ 646 Interest expense 136 Income tax expense $ 510 Reclassification, net of tax $ (310 ) Total reclassifications for the period, net of tax 2019 Unrealized gains on securities available for sale $ 137 Net gains on securities available for sale - 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 $ (393 ) Interest expense (83 ) Income tax expense $ (310 ) Reclassification, net of tax $ 418 Total reclassifications for the period, net of tax

Revenue from Contracts with Cus

Revenue from Contracts with Customers	9 Months Ended
	Sep. 30, 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 on securities available for sale, mortgage loan servicing, net and bank owned life insurance and were approximately 87.9% and 84.7% of total revenues for the nine month periods ending September 30, 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 September 30, 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 September 30, 2020 Service Charges on Deposit Accounts Other Deposit Related Income Interchange Income Investment and Insurance Commissions Total (In thousands) Retail Overdraft fees $ 1,371 $ - $ - $ - $ 1,371 Account service charges 544 - - - 544 ATM fees - 320 - - 320 Other - 184 - - 184 Business Overdraft fees 170 - - - 170 ATM fees - 7 - - 7 Other - 89 - - 89 Interchange income - - 3,428 - 3,428 Asset management revenue - - - 335 335 Transaction based revenue - - - 195 195 Total $ 2,085 $ 600 $ 3,428 $ 530 $ 6,643 Reconciliation to Condensed Statement of Operations: Non-interest income - other: Other deposit related income $ 600 Investment and insurance commissions 530 Bank owned life insurance 215 Other 592 Total $ 1,937 Three months ending , Service Charges on Deposit Accounts Other Deposit Related Income Interchange Income Investment and Insurance Commissions Total (In thousands) Retail Overdraft fees $ 1,970 $ - $ - $ - $ 1,970 Account service charges 552 - - - 552 ATM fees - 373 - - 373 Other - 240 - - 240 Business Overdraft fees 361 - - - 361 ATM fees - 9 - - 9 Other - 91 - - 91 Interchange income - - 2,785 - 2,785 Asset management revenue - - - 292 292 Transaction based revenue - - - 158 158 Total $ 2,883 $ 713 $ 2,785 $ 450 $ 6,831 Reconciliation to Condensed Consolidated Statement of Operations: Non-interest income - other: Other deposit related income $ 713 Investment and insurance commissions 450 Bank owned life insurance 301 Other 1,028 Total $ 2,492 Nine months ending , Service Charges on Deposit Accounts Other Deposit Related Income Interchange Income Investment and Insurance Commissions Total (In thousands) Retail Overdraft fees $ 4,130 $ - $ - $ - $ 4,130 Account service charges 1,501 - - - 1,501 ATM fees - 896 - - 896 Other - 577 - - 577 Business Overdraft fees 668 - - - 668 ATM fees - 18 - - 18 Other - 252 - - 252 Interchange income - - 8,411 - 8,411 Asset management revenue - - - 937 937 Transaction based revenue - - - 541 541 Total $ 6,299 $ 1,743 $ 8,411 $ 1,478 $ 17,931 Reconciliation to Condensed Consolidated Statement of Operations: Non-interest income - other: Other deposit related income $ 1,743 Investment and insurance commissions 1,478 Bank owned life insurance 750 Other 1,727 Total $ 5,698 Nine months ending , Service Charges on Deposit Accounts Other Deposit Related Income Interchange Income Investment and Insurance Commissions Total (In thousands) Retail Overdraft fees $ 5,582 $ - $ - $ - $ 5,582 Account service charges 1,618 - - - 1,618 ATM fees - 1,041 - - 1,041 Other - 703 - - 703 Business Overdraft fees 1,123 - - - 1,123 ATM fees - 26 - - 26 Other - 309 - - 309 Interchange income - - 7,744 - 7,744 Asset management revenue - - - 823 823 Transaction based revenue - - - 374 374 Total $ 8,323 $ 2,079 $ 7,744 $ 1,197 $ 19,343 Reconciliation to Condensed Consolidated Statement of Operations: Non-interest income - other: Other deposit related income $ 2,079 Investment and insurance commissions 1,197 Bank owned life insurance 813 Other 2,773 Total $ 6,862

Leases

Leases	9 Months Ended
	Sep. 30, 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 . Most of our leases include one or more options to renew. The exercise of lease renewal options is typically at our sole discretion and are included in our right of use (“ROU”) assets and lease liabilities if they are reasonably certain of exercise. Leases are classified as operating or finance leases at the lease commencement date (we did not have any finance leases as of September 30, 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 September 30, Nine Months Ended September 30, 2020 2019 2020 2019 (In thousands) (In thousands) Operating lease cost $ 395 $ 565 $ 1,357 $ 1,692 Variable lease cost 16 43 52 115 Short-term lease cost 10 4 26 14 Total $ 421 $ 612 $ 1,435 $ 1,821 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: September 30, 2020 December 31, 2019 (Dollars in thousands) Lease right of use asset (1) $ 6,713 $ 8,282 Lease liabilities (2) $ 6,945 $ 8,304 Weighted average remaining lease term (years) 6.84 7.47 Weighted average discount rate 2.6 % 2.8 % (1) Included in Accrued income and other assets (2) Included in Accrued expenses and other liabilities Maturity analysis of our lease liabilities at September 30, 2020 based on required contractual payments follows: (In thousands) Three months ending December 31, 2020 $ 408 2021 1,505 2022 1,324 2023 1,101 2024 692 2025 and thereafter 2,576 Total lease payments 7,606 Less imputed interest (661 ) Total $ 6,945

New Accounting Standards (Polic

New Accounting Standards (Policies)	9 Months Ended
	Sep. 30, 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 expect to estimate losses over approximately a two year forecast period using the Federal Open Market Committee median economic projections and 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 to beginning retained earnings 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 portfolio 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 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)	9 Months Ended
	Sep. 30, 2020
Securities [Abstract]
Securities Available for Sale	Securities available for sale consist of the following: Amortized Unrealized Cost Gains Losses Fair Value (In thousands) September 30, 2020 U.S. agency $ 10,820 $ 332 $ 22 $ 11,130 U.S. agency residential mortgage-backed 330,914 5,167 521 335,560 U.S. agency commercial mortgage-backed 8,039 382 - 8,421 Private label mortgage-backed 43,190 1,415 320 44,285 Other asset backed 262,435 1,392 456 263,371 Obligations of states and political subdivisions 238,479 6,635 136 244,978 Corporate 71,691 3,558 232 75,017 Trust preferred 1,970 - 200 1,770 Foreign government 500 18 - 518 Total $ 968,038 $ 18,899 $ 1,887 $ 985,050 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) September 30, 2020 U.S. agency $ 1,788 $ 5 $ 2,262 $ 17 $ 4,050 $ 22 U.S. agency residential mortgage-backed 81,400 519 1,298 2 82,698 521 Private label mortgage-backed 14,269 268 749 52 15,018 320 Other asset backed 28,630 129 22,210 327 50,840 456 Obligations of states and political subdivisions 19,075 110 2,003 26 21,078 136 Corporate 10,628 232 - - 10,628 232 Trust preferred - - 1,770 200 1,770 200 Total $ 155,790 $ 1,263 $ 30,292 $ 624 $ 186,082 $ 1,887 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 September 30, 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 $ 403 $ 536 $ 939 Amortized cost 386 368 754 Non-credit unrealized loss - - - Unrealized gain 17 168 185 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 September 30, Nine months ended September 30, 2020 2019 2020 2019 (In thousands) (In thousands) Balance at beginning of period $ 1,214 $ 1,594 $ 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 - - - - Reduction (1) - (380 ) - (380 ) Balance at end of period $ 1,214 $ 1,214 $ 1,214 $ 1,214 (1) During the third quarter of 2019 security with previously recorded OTTI was settled and balance is now zero.
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 September 30, 2020, by contractual maturity, follow: Amortized Cost Fair Value (In thousands) Maturing within one year $ 18,967 $ 19,048 Maturing after one year but within five years 80,229 83,042 Maturing after five years but within ten years 63,308 66,592 Maturing after ten years 160,956 164,731 323,460 333,413 U.S. agency residential mortgage-backed 330,914 335,560 U.S. agency commercial mortgage-backed 8,039 8,421 Private label mortgage-backed 43,190 44,285 Other asset backed 262,435 263,371 Total $ 968,038 $ 985,050
Gains and Losses Realized on Sale of Securities Available for Sale	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 nine month periods ending September 30, follows: Realized Proceeds Gains Losses (In thousands) 2020 $ 36,593 $ 253 $ - 2019 44,305 169 32

Loans (Tables)

Loans (Tables)	9 Months Ended
	Sep. 30, 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 September 30, follows: Commercial Mortgage Installment Subjective Allocation Total (In thousands) 2020 Balance at beginning of period $ 8,731 $ 7,261 $ 1,217 $ 17,291 $ 34,500 Additions (deductions) Provision for loan losses (875 ) (257 ) 18 2,089 975 Recoveries credited to the allowance 297 157 196 - 650 Loans charged against the allowance - (162 ) (192 ) - (354 ) Balance at end of period $ 8,153 $ 6,999 $ 1,239 $ 19,380 $ 35,771 2019 Balance at beginning of period $ 8,121 $ 8,062 $ 1,293 $ 8,427 $ 25,903 Additions (deductions) Provision for loan losses (810 ) 83 289 167 (271 ) Recoveries credited to the allowance 1,215 235 202 - 1,652 Loans charged against the allowance (303 ) (397 ) (436 ) - (1,136 ) Balance at end of period $ 8,223 $ 7,983 $ 1,348 $ 8,594 $ 26,148 An analysis of the allowance for loan losses by portfolio segment for the nine months ended September 30, 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 2,804 (895 ) 322 10,653 12,884 Recoveries credited to the allowance 1,463 364 577 - 2,404 Loans charged against the allowance (4,036 ) (686 ) (943 ) - (5,665 ) Balance at end of period $ 8,153 $ 6,999 $ 1,239 $ 19,380 $ 35,771 2019 Balance at beginning of period $ 7,090 $ 7,978 $ 895 $ 8,925 $ 24,888 Additions (deductions) Provision for loan losses 85 270 1,021 (331 ) 1,045 Recoveries credited to the allowance 1,720 786 603 - 3,109 Loans charged against the allowance (672 ) (1,051 ) (1,171 ) - (2,894 ) Balance at end of period $ 8,223 $ 7,983 $ 1,348 $ 8,594 $ 26,148
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) September 30, 2020 Allowance for loan losses: Individually evaluated for impairment $ 1,699 $ 4,174 $ 265 $ - $ 6,138 Collectively evaluated for impairment 6,454 2,825 974 19,380 29,633 Loans acquired with deteriorated credit quality - - - - - Total ending allowance for loan losses balance $ 8,153 $ 6,999 $ 1,239 $ 19,380 $ 35,771 Loans Individually evaluated for impairment $ 10,543 $ 40,573 $ 2,404 $ 53,520 Collectively evaluated for impairment 1,343,763 987,300 478,281 2,809,344 Loans acquired with deteriorated credit quality 906 560 143 1,609 Total loans recorded investment 1,355,212 1,028,433 480,828 2,864,473 Accrued interest included in recorded investment 3,422 4,397 1,175 8,994 Total loans $ 1,351,790 $ 1,024,036 $ 479,653 $ 2,855,479 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) September 30, 2020 Commercial Commercial and industrial (2) $ 266 $ 1,615 $ 1,881 Commercial real estate - 554 554 Mortgage 1-4 family owner occupied - jumbo - 1,207 1,207 1-4 family owner occupied - non-jumbo (3) - 2,364 2,364 1-4 family non-owner occupied - 1,304 1,304 1-4 family - 2nd lien - 1,548 1,548 Resort lending - 699 699 Installment Boat lending - 206 206 Recreational vehicle lending - 96 96 Other - 378 378 Total recorded investment $ 266 $ 9,971 $ 10,237 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 $0.052 million and $0.077 million of government guaranteed loans at September 30, 2020 and December 31, 2019, respectively. (3) Non-performing 1-4 family owner occupied – non jumbo loans exclude $0.458 million and $0.569 million of government guaranteed loans at September 30, 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) September 30, 2020 Commercial Commercial and industrial $ - $ - $ 495 $ 495 $ 763,757 $ 764,252 Commercial real estate 130 - - 130 590,830 590,960 Mortgage 1-4 family owner occupied - jumbo 1,312 - 632 1,944 437,294 439,238 1-4 family owner occupied - non-jumbo 1,053 372 610 2,035 247,086 249,121 1-4 family non-owner occupied 1,336 60 367 1,763 177,101 178,864 1-4 family - 2nd lien 472 251 545 1,268 99,427 100,695 Resort lending 273 443 391 1,107 59,408 60,515 Installment Boat lending 213 38 132 383 211,353 211,736 Recreational vehicle lending 364 19 58 441 168,211 168,652 Other 281 166 225 672 99,768 100,440 Total recorded investment $ 5,434 $ 1,349 $ 3,455 $ 10,238 $ 2,854,235 $ 2,864,473 Accrued interest included in recorded investment $ 102 $ 17 $ - $ 119 $ 8,875 $ 8,994 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: September 30, 2020 December 31, 2019 Impaired loans with no allocated allowance for loan losses (In thousands) Troubled debt restructurings ("TDR") $ 336 $ 337 Non - TDR 1,562 1,550 Impaired loans with an allocated allowance for loan losses TDR - allowance based on collateral 9,412 1,587 TDR - allowance based on present value cash flow 38,934 48,798 Non - TDR - allowance based on collateral 2,963 3,365 Total impaired loans $ 53,207 $ 55,637 Amount of allowance for loan losses allocated TDR - allowance based on collateral $ 1,104 $ 542 TDR - allowance based on present value cash flow 3,838 4,641 Non - TDR - allowance based on collateral 1,196 972 Total amount of allowance for loan losses allocated $ 6,138 $ 6,155 Impaired loans by class are as follows: September 30, 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 $ 122 $ 124 $ - $ 257 $ 257 $ - Commercial real estate - - - 796 796 - Mortgage 1-4 family owner occupied - jumbo 632 632 - - - - 1-4 family owner occupied - non-jumbo 237 314 - 212 217 - 1-4 family non-owner occupied 311 475 - 214 366 - 1-4 family - 2nd lien 442 442 - 407 438 - Resort lending 154 379 - - - - Installment Boat lending - - - - - - Recreational vehicle lending - - - - - - Other - - - 1 41 - 1,898 2,366 - 1,887 2,115 - With an allowance for loan losses recorded: Commercial Commercial and industrial 2,452 2,572 855 1,655 1,706 453 Commercial real estate 7,969 7,980 844 6,685 6,661 578 Mortgage 1-4 family owner occupied - jumbo 1,091 1,458 126 1,447 1,445 91 1-4 family owner occupied - non-jumbo 21,805 22,414 2,300 10,163 10,695 1,031 1-4 family non-owner occupied 4,473 4,810 470 4,962 5,542 572 1-4 family - 2nd lien 620 629 133 14,059 15,243 1,695 Resort lending 10,808 10,972 1,145 12,110 12,263 1,474 Installment Boat lending 139 172 49 - - - Recreational vehicle lending 101 114 23 - - - Other 2,164 2,295 193 2,924 3,153 261 51,622 53,416 6,138 54,005 56,708 6,155 Total Commercial Commercial and industrial 2,574 2,696 855 1,912 1,963 453 Commercial real estate 7,969 7,980 844 7,481 7,457 578 Mortgage 1-4 family owner occupied - jumbo 1,723 2,090 126 1,447 1,445 91 1-4 family owner occupied - non-jumbo 22,042 22,728 2,300 10,375 10,912 1,031 1-4 family non-owner occupied 4,784 5,285 470 5,176 5,908 572 1-4 family - 2nd lien 1,062 1,071 133 14,466 15,681 1,695 Resort lending 10,962 11,351 1,145 12,110 12,263 1,474 Installment Boat lending 139 172 49 - - - Recreational vehicle lending 101 114 23 - - - Other 2,164 2,295 193 2,925 3,194 261 Total $ 53,520 $ 55,782 $ 6,138 $ 55,892 $ 58,823 $ 6,155 Accrued interest included in recorded investment $ 313 $ 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 September 30, 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 $ 103 $ 2 $ - $ - Commercial real estate - - 327 5 Mortgage 1-4 family owner occupied - jumbo 632 - - - 1-4 family owner occupied - non-jumbo 331 - 352 1 1-4 family non-owner occupied 316 2 200 6 1-4 family - 2nd lien 403 - - - Resort lending 77 - - - Installment Boat lending - - - - Recreational vehicle lending - - - - Other - - - 1 1,862 4 879 13 With an allowance for loan losses recorded: Commercial Commercial and industrial 2,431 38 1,534 16 Commercial real estate 12,195 130 6,069 71 Mortgage 1-4 family owner occupied - jumbo 808 11 1,003 9 1-4 family owner occupied - non-jumbo 22,070 277 23,674 336 1-4 family non-owner occupied 4,708 52 5,447 76 1-4 family - 2nd lien 598 3 601 8 Resort lending 11,186 125 12,067 171 Installment Boat lending 106 - 86 2 Recreational vehicle lending 96 1 50 1 Other 2,324 33 3,105 50 56,522 670 53,636 740 Total Commercial Commercial and industrial 2,534 40 1,534 16 Commercial real estate 12,195 130 6,396 76 Mortgage 1-4 family owner occupied - jumbo 1,440 11 1,003 9 1-4 family owner occupied - non-jumbo 22,401 277 24,026 337 1-4 family non-owner occupied 5,024 54 5,647 82 1-4 family - 2nd lien 1,001 3 601 8 Resort lending 11,263 125 12,067 171 Installment Boat lending 106 - 86 2 Recreational vehicle lending 96 1 50 1 Other 2,324 33 3,105 51 Total $ 58,384 $ 674 $ 54,515 $ 753 Average recorded investment in and interest income earned on impaired loans by class for the nine month periods ending September 30, 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 $ 137 $ 4 $ - $ - Commercial real estate 199 - 164 5 Mortgage 1-4 family owner occupied - jumbo 316 - - - 1-4 family owner occupied - non-jumbo 353 4 265 3 1-4 family non-owner occupied 309 5 100 6 1-4 family - 2nd lien 399 - - - Resort lending 77 - - - Installment Boat lending - - - - Recreational vehicle lending - - - - Other - - - 1 1,790 13 529 15 With an allowance for loan losses recorded: Commercial Commercial and industrial 2,231 105 2,406 52 Commercial real estate 11,657 641 5,552 221 Mortgage 1-4 family owner occupied - jumbo 1,228 39 1,248 26 1-4 family owner occupied - non-jumbo 19,116 901 24,110 1,031 1-4 family non-owner occupied 4,746 170 6,040 227 1-4 family - 2nd lien 4,017 9 479 14 Resort lending 11,506 358 12,607 493 Installment Boat lending 72 - 68 2 Recreational vehicle lending 80 2 65 2 Other 2,545 109 3,211 145 57,198 2,334 55,786 2,213 Total Commercial Commercial and industrial 2,368 109 2,406 52 Commercial real estate 11,856 641 5,716 226 Mortgage 1-4 family owner occupied - jumbo 1,544 39 1,248 26 1-4 family owner occupied - non-jumbo 19,469 905 24,375 1,034 1-4 family non-owner occupied 5,055 175 6,140 233 1-4 family - 2nd lien 4,416 9 479 14 Resort lending 11,583 358 12,607 493 Installment Boat lending 72 - 68 2 Recreational vehicle lending 80 2 65 2 Other 2,545 109 3,211 146 Total $ 58,988 $ 2,347 $ 56,315 $ 2,228
Troubled Debt Restructurings	Cash receipts on impaired loans on non-accrual status are generally applied to the principal balance. TDRs follow: September 30, 2020 Commercial Retail (1) Total (In thousands) Performing TDRs $ 8,292 $ 37,337 $ 45,629 Non-performing TDRs (2) 1,203 1,850 ( 3 ) 3,053 Total $ 9,495 $ 39,187 $ 48,682 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 portfolio 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 September 30 follow: Number of Contracts Pre-modification Recorded Balance Post-modification Recorded Balance (Dollars in thousands) 2020 Commercial Commercial and industrial - $ - $ - Commercial real estate - - - Mortgage 1-4 family owner occupied - jumbo - - - 1-4 family owner occupied - non-jumbo 1 92 95 1-4 family non-owner occupied 1 52 54 1-4 family - 2nd lien - - - Resort lending - - - Installment Boat lending - - - Recreational vehicle lending - - - Other 1 19 19 Total 3 $ 163 $ 168 2019 Commercial Commercial and industrial 2 $ 137 $ 137 Commercial real estate - - - Mortgage 1-4 family owner occupied - jumbo - - - 1-4 family owner occupied - non-jumbo 1 198 202 1-4 family non-owner occupied - - - 1-4 family - 2nd lien 3 75 75 Resort lending - - - Installment Boat lending - - - Recreational vehicle lending - - - Other 1 28 28 Total 7 $ 438 $ 442 Loans that have been classified as s during the nine-month periods ended follow: Number of Contracts Pre-modification Balance Post-modification Balance (Dollars in thousands) 2020 Commercial Commercial and industrial 7 $ 1,207 $ 1,207 Commercial real estate 4 7,012 7,012 Mortgage 1-4 family owner occupied - jumbo - - - 1-4 family owner occupied - non-jumbo 3 195 203 1-4 family non-owner occupied 2 111 116 1-4 family - 2nd lien 2 45 46 Resort lending - - - Installment Boat lending - - - Recreational vehicle lending - - - Other 2 52 53 Total 20 $ 8,622 $ 8,637 2019 Commercial Commercial and industrial 3 $ 186 $ 186 Commercial real estate 2 1,329 1,329 Mortgage 1-4 family owner occupied - jumbo - - - 1-4 family owner occupied - non-jumbo 2 479 483 1-4 family non-owner occupied 1 506 505 1-4 family - 2nd lien 3 75 75 Resort lending - - - Installment Boat lending - - - Recreational vehicle lending - - - Other 7 188 191 Total 18 $ 2,763 $ 2,769
Commercial and Retail Loan COVID-19 Accomodations	A summary of accommodations entered into under this guidance as of September 30, 2020 follows: Commercial and Retail Loan COVID-19 Accomodations Covid-19 Accomodations Total % of Total Loan Category Loans (#) Loans ($) Loans Loans Commercial 17 $ 25,105 $ 1,351,790 1.9 % Mortgage 197 32,091 1,024,036 3.1 % Installment 97 2,631 479,653 0.5 % Total 311 $ 59,827 $ 2,855,479 2.1 % Mortgage loans serviced for others(1) 416 $ 66,279 $ 2,873,153 2.3 % 1) We have delegated authority from all investors to grant these deferrals on their behalf. Information on subsequent accommodation extensions follows: Commercial and Retail Loan COVID-19 Subsequent Accomodations Loan Category Loans (#) Loans ($) Commercial 6 $ 5,726 Mortgage 125 22,571 Installment 51 1,583 Total 182 $ 29,880
Loan Ratings by Loan Class	The following table summarizes loan ratings by loan class for our commercial portfolio loan segment: Commercial Non-watch 1-6 Watch 7-8 Substandard Accrual 9 Non- Accrual 10-11 Total (In thousands) September 30, 2020 Commercial and industrial $ 715,810 $ 42,153 $ 4,674 $ 1,615 $ 764,252 Commercial real estate 579,547 8,187 2,672 554 590,960 Total $ 1,295,357 $ 50,340 $ 7,346 $ 2,169 $ 1,355,212 Accrued interest included in total $ 3,267 $ 116 $ 39 $ - $ 3,422 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 portfolio 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 portfolio 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) September 30, 2020 _ $ 49,057 $ 35,243 $ 28,557 $ 13,443 $ 10,433 $ 136,733 _ 219,844 64,957 78,503 42,292 28,294 433,890 _ 110,981 74,914 48,228 26,334 11,557 272,014 _ 41,101 36,963 14,511 11,982 7,277 111,834 _ 12,387 17,032 4,986 2,954 2,064 39,423 _ 3,477 12,270 1,908 2,214 494 20,363 _ 2,391 6,062 1,475 1,134 243 11,305 _ - 1,680 696 342 153 2,871 _ - - - - - - _ $ 439,238 $ 249,121 $ 178,864 $ 100,695 $ 60,515 $ 1,028,433 Accrued interest included in total $ 1,288 $ 1,891 $ 590 $ 363 $ 265 $ 4,397 December 31, 2019 _ $ 48,486 $ 43,848 $ 24,315 $ 13,905 $ 11,076 $ 141,630 _ 198,491 111,521 84,656 50,012 29,364 474,044 _ 106,609 95,064 34,839 30,697 14,626 281,835 _ 31,553 51,174 13,995 14,267 8,063 119,052 _ 13,230 21,938 5,897 4,097 2,074 47,236 _ 514 12,308 1,863 1,703 673 17,061 _ 1,519 7,940 1,870 1,281 889 13,499 _ 641 2,208 533 511 79 3,972 _ 510 1,259 1,569 69 1,330 4,737 _ $ 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) September 30, 2020 _ $ 33,385 $ 29,085 $ 8,466 $ 70,936 _ 124,751 94,666 36,373 255,790 _ 38,729 34,236 26,833 99,798 _ 11,557 8,059 21,998 41,614 _ 2,089 1,668 3,738 7,495 _ 632 449 1,394 2,475 _ 242 465 755 1,462 _ 351 24 180 555 _ - - 703 703 _ $ 211,736 $ 168,652 $ 100,440 $ 480,828 Accrued interest included in total $ 471 $ 381 $ 323 $ 1,175 December 31, 2019 _ $ 28,041 $ 24,470 $ 7,611 $ 60,122 _ 118,380 88,164 37,583 244,127 _ 41,490 31,055 27,204 99,749 _ 11,485 7,267 22,517 41,269 _ 2,254 1,411 4,470 8,135 _ 946 592 1,884 3,422 _ 377 464 1,127 1,968 _ 309 22 284 615 _ - - 1,204 1,204 _ $ 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	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: September 30, 2020 December 31, 2019 (In thousands) Commercial $ 906 $ 1,394 Mortgage 560 575 Installment 143 316 Total carrying amount 1,609 2,285 Allowance for loan losses - - Carrying amount, net of allowance for loan losses $ 1,609 $ 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 September 30, Nine months ended September 30, 2020 2019 2020 2019 (unaudited) (unaudited) (In thousands) (In thousands) Balance at beginning of period $ 573 $ 749 $ 640 $ 462 New loans purchased - - - - Accretion recorded as loan interest income (156 ) (56 ) (223 ) (134 ) Reclassification from (to) nonaccretable difference - - - 365 Displosals/other adjustments - - - - Balance at end of period $ 417 $ 693 $ 417 $ 693

Shareholders' Equity and Earn_2

Shareholders' Equity and Earnings Per Common Share (Tables)	9 Months Ended
	Sep. 30, 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 September 30, Nine Months Ended September 30, 2020 2019 2020 2019 (In thousands, except per share data) Net income $ 19,584 $ 12,445 $ 39,166 $ 32,556 Weighted average shares outstanding (1) 21,881 22,486 22,014 23,033 Stock units for deferred compensation plan for non-employee directors 117 132 119 131 Effect of stock options 85 110 90 116 Performance share units 32 42 33 39 Weighted average shares outstanding for calculation of diluted earnings per share 22,115 22,770 22,256 23,319 Net income per common share Basic (1) $ 0.90 $ 0.55 $ 1.78 $ 1.41 Diluted $ 0.89 $ 0.55 $ 1.76 $ 1.40 (1) Basic net income per common share includes weighted average common shares outstanding during the period and participating share awards.

Derivative Financial Instrume_2

Derivative Financial Instruments (Tables)	9 Months Ended
	Sep. 30, 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: September 30, 2020 Notional Amount Average Maturity (years) Fair Value (Dollars in thousands) Fair value hedge designation - Pay-fixed interest rate swap agreements $ 7,117 8.6 $ (860 ) No hedge designation Rate-lock mortgage loan commitments $ 196,646 0.1 $ 8,356 Mandatory commitments to sell mortgage loans 232,948 0.1 (580 ) Pay-fixed interest rate swap agreements - commercial 144,787 4.7 (10,811 ) Pay-variable interest rate swap agreements - commercial 144,787 4.7 10,811 Pay-fixed interest rate swap agreements 25,000 0.8 (409 ) Interest rate cap agreements 150,000 1.8 5 Purchased options 2,908 0.8 30 Written options 2,848 0.8 (30 ) Total $ 899,924 1.9 $ 7,372 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 September 30, 2020 December 31, 2019 September 30, 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 $ 860 Other liabilities $ 416 Interest rate cap agreements Other assets - Other assets 214 Other liabilities - Other liabilities - - 214 860 416 Derivatives not designated as hedging instruments Rate-lock mortgage loan commitments Other assets 8,356 Other assets 1,412 Other liabilities - Other liabilities - Mandatory commitments to sell mortgage loans Other assets - Other assets - Other liabilities 580 Other liabilities 150 Pay-fixed interest rate swap agreements - commercial Other assets - Other assets 28 Other liabilities 10,811 Other liabilities 3,669 Pay-variable interest rate swap agreements - commercial Other assets 10,811 Other assets 3,669 Other liabilities - Other liabilities 28 Pay-fixed interest rate swap agreements Other assets - Other assets - Other liabilities 409 Other liabilities - Interest rate cap agreements Other assets 5 Other assets - Other liabilities - Other liabilities - Purchased options Other assets 30 Other assets 141 Other liabilities - Other liabilities - Written options Other assets - Other assets - Other liabilities 30 Other liabilities 139 19,202 5,250 11,830 3,986 Total derivatives $ 19,202 $ 5,464 $ 12,690 $ 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 September 30, Loss Recognized in Other Comprehensive Income (Effective Portion) Location of Gain (Loss) Reclassified from Accumulated Other Comprehensive Income (Loss) into Income (Effective Gain (Loss) Reclassified from Accumulated Other Comprehensive Income (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 $ 6 $ (188 ) Cash Flow Hedges Interest rate cap agreements $ - $ (37 ) Interest expense $ (180 ) $ 88 Pay-fixed interest rate swap agreements (26 ) (35 ) Interest expense (130 ) 14 Total $ (26 ) $ (72 ) $ (310 ) $ 102 No hedge designation Rate-lock mortgage loan commitments Net gains on mortgage loans $ 1,096 $ (96 ) Mandatory commitments to sell mortgage loans Net gains on mortgage loans 52 307 Pay-fixed interest rate swap agreements - commercial Interest income 688 (1,670 ) Pay-variable interest rate swap agreements - commercial Interest income (688 ) 1,670 Pay-fixed interest rate swap agreements Interest expense 117 - Interest rate cap agreements Interest expense (14 ) - Purchased options Interest expense (10 ) (46 ) Written options Interest expense 10 46 Total $ 1,251 $ 211 Nine Month Periods Ended September 30, Gain (Loss) Recognized in Other Comprehensive Income (Effective Portion) Location of Gain (Loss) Reclassified from Accumulated Other Comprehensive Income (Loss) into Income (Effective Gain (Loss) Reclassified from Accumulated Other Comprehensive Income (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 $ (618 ) $ (391 ) Cash Flow Hedges Interest rate cap agreements $ 126 $ (1,311 ) Interest expense $ (413 ) $ 321 Pay-fixed interest rate swap agreements (480 ) (429 ) Interest expense (233 ) 72 Total $ (354 ) $ (1,740 ) $ (646 ) $ 393 No hedge designation Rate-lock mortgage loan commitments Net gains on mortgage loans $ 6,944 $ 1,364 Mandatory commitments to sell mortgage loans Net gains on mortgage loans (430 ) 356 Pay-fixed interest rate swap agreements - commercial Interest income (7,170 ) (5,254 ) Pay-variable interest rate swap agreements - commercial Interest income 7,170 5,254 Pay-fixed interest rate swap agreements Interest expense 117 - Interest rate cap agreements Interest expense (56 ) - Purchased options Interest expense (111 ) 9 Written options Interest expense 109 (8 ) Total $ 6,573 $ 1,721

Goodwill and Other Intangibles

Goodwill and Other Intangibles (Tables)	9 Months Ended
	Sep. 30, 2020
Goodwill and Other Intangibles [Abstract]
Other Intangible Assets, Net of Amortization	The following table summarizes intangible assets, net of amortization: September 30, 2020 December 31, 2019 Gross Carrying Amount Accumulated Amortization Gross Carrying Amount Accumulated Amortization (In thousands) Amortized intangible assets - core deposits $ 11,916 $ 7,355 $ 11,916 $ 6,590 Unamortized intangible assets - goodwill $ 28,300 $ 28,300
Estimated Core Deposit Intangible Amortization	A summary of estimated core deposit intangible amortization at September 30, 2020 follows: (In thousands) Three months ending December 31, 2020 $ 255 2021 970 2022 785 2023 547 2024 516 2025 and thereafter 1,488 Total $ 4,561

Share Based Compensation (Table

Share Based Compensation (Tables)	9 Months Ended
	Sep. 30, 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 September 30, Nine Months Ended September 30, 2020 2019 2020 2019 Restricted stock 3,000 8,000 55,996 64,267 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 (13,117 ) 3.50 Forfeited - Expired - Outstanding at September 30, 2020 125,389 $ 4.73 2.3 $ 993 Vested and expected to vest at September 30, 2020 125,389 $ 4.73 2.3 $ 993 Exercisable at September 30, 2020 125,389 $ 4.73 2.3 $ 993
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 76,893 22.46 Vested (77,092 ) 20.61 Forfeited (20,869 ) 22.64 Outstanding at September 30, 2020 224,658 $ 22.26
Information Regarding Options Exercised	Certain information regarding options exercised during the periods follows: Three Months Ended September 30, Nine Months Ended September 30, 2020 2019 2020 2019 (In thousands) (In thousands) Intrinsic value $ 11 $ 32 $ 224 $ 868 Cash proceeds received $ 4 $ 6 $ 46 $ 701 Tax benefit realized $ 2 $ 6 $ 47 $ 182

Regulatory Matters (Tables)

Regulatory Matters (Tables)	9 Months Ended
	Sep. 30, 2020
Regulatory Matters [Abstract]
Actual Capital Amounts and Ratios	Our actual capital amounts and ratios follow (1): Actual Minimum for Adequately Capitalized Institutions Minimum for Well-Capitalized Institutions Amount Ratio Amount Ratio Amount Ratio (Dollars in thousands) September 30, 2020 Total capital to risk-weighted assets Consolidated $ 441,969 15.62 % $ 226,378 8.00 % NA NA Independent Bank 391,033 13.82 226,310 8.00 $ 282,888 10.00 % Tier 1 capital to risk-weighted assets Consolidated $ 366,571 12.95 % $ 169,783 6.00 % NA NA Independent Bank 355,645 12.57 169,733 6.00 $ 226,310 8.00 % Common equity tier 1 capital to risk-weighted assets Consolidated $ 328,288 11.60 % $ 127,338 4.50 % NA NA Independent Bank 355,645 12.57 127,299 4.50 $ 183,877 6.50 % Tier 1 capital to average assets Consolidated $ 366,571 9.05 % $ 162,103 4.00 % NA NA Independent Bank 355,645 8.78 162,020 4.00 $ 202,525 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 September 30, 2020 and December 31, 2019. NA - Not applicable
Regulatory Capital	The components of our regulatory capital are as follows: Consolidated Independent Bank September 30, 2020 December 31, 2019 September 30, 2020 December 31, 2019 (In thousands) Total shareholders' equity $ 373,092 $ 350,169 $ 400,449 $ 366,861 Add (deduct) Accumulated other comprehensive income for regulatory purposes (11,943 ) (2,011 ) (11,943 ) (2,011 ) Goodwill and other intangibles (32,861 ) (33,626 ) (32,861 ) (33,626 ) Common equity tier 1 capital 328,288 314,532 355,645 331,224 Qualifying trust preferred securities 38,283 38,232 - - Tier 1 capital 366,571 352,764 355,645 331,224 Subordinated debt 40,000 - - - Allowance for loan losses and allowance for unfunded lending commitments limited to 1.25% of total risk-weighted assets 35,398 27,690 35,388 27,690 Total risk-based capital $ 441,969 $ 380,454 $ 391,033 $ 358,914

Fair Value Disclosures (Tables)

Fair Value Disclosures (Tables)	9 Months Ended
	Sep. 30, 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) September 30, 2020: Measured at Fair Value on a Recurring Basis Assets Securities available for sale U.S. agency $ 11,130 $ - $ 11,130 $ - U.S. agency residential mortgage-backed 335,560 - 335,560 - U.S. agency commercial mortgage-backed 8,421 - 8,421 - Private label mortgage-backed 44,285 - 44,285 - Other asset backed 263,371 - 263,371 - Obligations of states and political subdivisions 244,978 - 244,978 - Corporate 75,017 - 75,017 - Trust preferred 1,770 - 1,770 - Foreign government 518 - 518 - Loans held for sale, carried at fair value 99,747 - 99,747 - Capitalized mortgage loan servicing rights 15,403 - - 15,403 Derivatives (1) 19,202 - 19,202 - Liabilities Derivatives (2) 12,690 - 12,690 - Measured at Fair Value on a Non-recurring Basis: Assets Impaired loans (3) Commercial Commercial and industrial 1,591 - - 1,591 Commercial real estate 7,098 - - 7,098 Mortgage 1-4 family owner occupied - jumbo 500 - - 500 1-4 family owner occupied - non-jumbo 284 - - 284 1-4 family non-owner occupied 58 - - 58 1-4 family - 2nd lien 200 - - 200 Resort lending 77 - - 77 Installment Boat lending 90 - - 90 Recreational vehicle lending 38 - - 38 Other 139 - - 139 Other real estate (4) Commercial - commercial real estate 474 474 - - (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 executed during the third quarter of 2020 that closed during the fourth 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 Nine-Month Periods Ended September 30 for Items Measured at Fair Value Pursuant to Election of the Fair Value Option Net Gains on Assets Mortgage Total Change in Fair Values Included in Current Securities Available For Sale Mortgage Loans Loan Servicing, net Period Earnings (In thousands) 2020 Loans held for sale - 2,081 - 2,081 Capitalized mortgage loan servicing rights - - (14,028 ) (14,028 ) 2019 Equity securities at fair value $ 167 $ - $ - $ 167 Loans held for sale - 822 - 822 Capitalized mortgage loan servicing rights - - (9,258 ) (9,258 )
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 September 30, Nine Months Ended September 30, 2020 2019 2020 2019 (In thousands) (In thousands) Beginning balance $ 13,773 $ 17,894 $ 19,171 $ 21,400 Total gains (losses) realized and unrealized: Included in results of operations (2,387 ) (3,145 ) (14,028 ) (9,258 ) Included in other comprehensive income - - - - Purchases, issuances, settlements, maturities and calls 4,017 2,157 10,260 4,764 Transfers in and/or out of Level 3 - - - - Ending balance $ 15,403 $ 16,906 $ 15,403 $ 16,906 Amount of total losses for the period included in earnings attributable to the change in unrealized gains (losses) relating to assets and liabilities still held at September 30 $ (2,387 ) $ (3,145 ) $ (14,028 ) $ (9,258 )
Quantitative Information About Level 3 Fair Value Measurements Measured on a Recurring Basis and Non-recurring Basis	The fair value of our capitalized mortgage loan servicing rights has been determined based on a valuation model used by an independent third party as discussed above. The significant unobservable inputs used in the fair value measurement of the capitalized mortgage loan servicing rights are discount rate, cost to service, ancillary income, float rate and prepayment rate. Significant changes in all five of these assumptions in isolation would result in significant changes to the value of our capitalized mortgage loan servicing rights. 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) - - - September 30, 2020 Capitalized mortgage loan servicing rights $ 15,403 Present value of net Discount rate 10.00% to 13.00% 10.10 % servicing revenue Cost to service $ 58 to $215 $ 79 Ancillary income 20 to 37 22 Float rate 0.35 % 0.35 % Prepayment rate 7.34% to 40.16% 22.01 % 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) - - September 30, 2020 Impaired loans Commercial $ 8,689 Sales comparison approach Adjustment for differences between comparable sales (40.0)% to 75.0% 4.5 % Income approach Capitalization rate 9.5 % 9.5 % Mortgage and Installment(1) 1,386 Sales comparison approach Adjustment for differences between comparable sales (12.0)% to 104.6% 4.0 % 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 September 30, 2020 and December 31, 2019 certain impaired collateral dependent installment loans totaling approximately $0.27 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 September 30, 2020 $ 99,747 $ 3,975 $ 95,772 December 31, 2019 69,800 1,894 67,906

Fair Values of Financial Inst_2

Fair Values of Financial Instruments (Tables)	9 Months Ended
	Sep. 30, 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) September 30, 2020 Assets Cash and due from banks $ 42,435 $ 42,435 $ 42,435 $ - $ - Interest bearing deposits 4,121 4,121 4,121 - - Securities available for sale 985,050 985,050 - 985,050 - Federal Home Loan Bank and Federal Reserve Bank Stock 18,427 NA NA NA NA Net loans and loans held for sale 2,919,455 2,915,489 - 99,747 2,815,742 Accrued interest receivable 12,402 12,402 1 3,409 8,992 Derivative financial instruments 19,202 19,202 - 19,202 - Liabilities Deposits with no stated maturity (1) $ 3,105,019 $ 3,105,019 $ 3,105,019 $ - $ - Deposits with stated maturity (1) 492,726 495,694 - 495,694 - Other borrowings 30,005 31,477 - 31,477 - Subordinated debt 39,261 40,999 - 40,999 - Subordinated debentures 39,507 28,941 - 28,941 - Accrued interest payable 1,408 1,408 62 1,346 - Derivative financial instruments 12,690 12,690 - 12,690 - 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 $ million and $ million at September 30, 2020 and December 31, 2019, respectively. Deposits with a stated maturity include reciprocal deposits with a recorded book balance of $ million and $ million at September 30, 2020 and December 31, 2019, respectively.

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Income (Loss) ("AOCIL") (Tables)	9 Months Ended
	Sep. 30, 2020
Accumulated Other Comprehensive Income (Loss) ("AOCIL") [Abstract]
Accumulated Other Comprehensive Income (Loss) (AOCIL), Net of Tax	A summary of changes in AOCIL 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 September 30, 2020 Balances at beginning of period $ 11,315 $ (5,798 ) $ (1,721 ) $ 3,796 Other comprehensive income (loss) before reclassifications 2,125 - (20 ) 2,105 Amounts reclassified from AOCIL - - 245 245 Net current period other comprehensive income 2,125 - 225 2,350 Balances at end of period $ 13,440 $ (5,798 ) $ (1,496 ) $ 6,146 2019 Balances at beginning of period $ 3,040 $ (5,798 ) $ (1,673 ) $ (4,431 ) Other comprehensive income (loss) before reclassifications 1,196 - (58 ) 1,138 Amounts reclassified from AOCIL - - (80 ) (80 ) Net current period other comprehensive income (loss) 1,196 - (138 ) 1,058 Balances at end of period $ 4,236 $ (5,798 ) $ (1,811 ) $ (3,373 ) For the nine months ended September 30, 2020 Balances at beginning of period $ 3,739 $ (5,798 ) $ (1,727 ) $ (3,786 ) Other comprehensive income (loss) before reclassifications 9,901 - (279 ) 9,622 Amounts reclassified from AOCIL (200 ) - 510 310 Net current period other comprehensive income 9,701 - 231 9,932 Balances at end of period $ 13,440 $ (5,798 ) $ (1,496 ) $ 6,146 2019 Balances at beginning of period $ (4,185 ) $ (5,798 ) $ (125 ) $ (10,108 ) Other comprehensive income (loss) before reclassifications 8,529 - (1,376 ) 7,153 Amounts reclassified from AOCIL (108 ) - (310 ) (418 ) Net current period other comprehensive income (loss) 8,421 - (1,686 ) 6,735 Balances at end of period $ 4,236 $ (5,798 ) $ (1,811 ) $ (3,373 )
Reclassifications Out of Each Component of AOCIL	A summary of reclassifications out of each component of AOCIL for the three months ended September 30 follows: AOCIL Component Amount Reclassified From AOCIL Affected Line Item in Condensed Consolidated Statements of Operations (In thousands) 2020 Unrealized gains on securities available for sale $ - Net gains on securities available for sale - Net impairment loss recognized in earnings - Total reclassifications before tax - Income tax expense $ - Reclassifications, net of tax Unrealized losses on cash flow hedges $ 310 Interest expense 65 Income tax expense $ 245 Reclassification, net of tax $ (245 ) Total reclassifications for the period, net of tax 2019 Unrealized gains on securities available for sale $ - Net gains on securities available for sale - Net impairment loss recognized in earnings - Total reclassifications before tax - Income tax expense $ - Reclassifications, net of tax Unrealized losses on cash flow hedges $ (102 ) Interest expense (22 ) Income tax expense $ (80 ) Reclassification, net of tax $ 80 Total reclassifications for the period, net of tax A summary of reclassifications out of each component of AOCIL for the nine months ended September 30 follows: AOCIL Component Amount Reclassified From AOCIL Affected Line Item in Condensed Consolidated Statements of Operations (In thousands) 2020 Unrealized gains on securities available for sale $ 253 Net gains on securities available for sale - 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 $ 646 Interest expense 136 Income tax expense $ 510 Reclassification, net of tax $ (310 ) Total reclassifications for the period, net of tax 2019 Unrealized gains on securities available for sale $ 137 Net gains on securities available for sale - 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 $ (393 ) Interest expense (83 ) Income tax expense $ (310 ) Reclassification, net of tax $ 418 Total reclassifications for the period, net of tax

Revenue from Contracts with C_2

Revenue from Contracts with Customers (Tables)	9 Months Ended
	Sep. 30, 2020
Revenue from Contracts with Customers [Abstract]
Disaggregation of Revenue Sources by Attribute	Disaggregation of our revenue sources by attribute follows: Three months ending September 30, 2020 Service Charges on Deposit Accounts Other Deposit Related Income Interchange Income Investment and Insurance Commissions Total (In thousands) Retail Overdraft fees $ 1,371 $ - $ - $ - $ 1,371 Account service charges 544 - - - 544 ATM fees - 320 - - 320 Other - 184 - - 184 Business Overdraft fees 170 - - - 170 ATM fees - 7 - - 7 Other - 89 - - 89 Interchange income - - 3,428 - 3,428 Asset management revenue - - - 335 335 Transaction based revenue - - - 195 195 Total $ 2,085 $ 600 $ 3,428 $ 530 $ 6,643 Reconciliation to Condensed Statement of Operations: Non-interest income - other: Other deposit related income $ 600 Investment and insurance commissions 530 Bank owned life insurance 215 Other 592 Total $ 1,937 Three months ending , Service Charges on Deposit Accounts Other Deposit Related Income Interchange Income Investment and Insurance Commissions Total (In thousands) Retail Overdraft fees $ 1,970 $ - $ - $ - $ 1,970 Account service charges 552 - - - 552 ATM fees - 373 - - 373 Other - 240 - - 240 Business Overdraft fees 361 - - - 361 ATM fees - 9 - - 9 Other - 91 - - 91 Interchange income - - 2,785 - 2,785 Asset management revenue - - - 292 292 Transaction based revenue - - - 158 158 Total $ 2,883 $ 713 $ 2,785 $ 450 $ 6,831 Reconciliation to Condensed Consolidated Statement of Operations: Non-interest income - other: Other deposit related income $ 713 Investment and insurance commissions 450 Bank owned life insurance 301 Other 1,028 Total $ 2,492 Nine months ending , Service Charges on Deposit Accounts Other Deposit Related Income Interchange Income Investment and Insurance Commissions Total (In thousands) Retail Overdraft fees $ 4,130 $ - $ - $ - $ 4,130 Account service charges 1,501 - - - 1,501 ATM fees - 896 - - 896 Other - 577 - - 577 Business Overdraft fees 668 - - - 668 ATM fees - 18 - - 18 Other - 252 - - 252 Interchange income - - 8,411 - 8,411 Asset management revenue - - - 937 937 Transaction based revenue - - - 541 541 Total $ 6,299 $ 1,743 $ 8,411 $ 1,478 $ 17,931 Reconciliation to Condensed Consolidated Statement of Operations: Non-interest income - other: Other deposit related income $ 1,743 Investment and insurance commissions 1,478 Bank owned life insurance 750 Other 1,727 Total $ 5,698 Nine months ending , Service Charges on Deposit Accounts Other Deposit Related Income Interchange Income Investment and Insurance Commissions Total (In thousands) Retail Overdraft fees $ 5,582 $ - $ - $ - $ 5,582 Account service charges 1,618 - - - 1,618 ATM fees - 1,041 - - 1,041 Other - 703 - - 703 Business Overdraft fees 1,123 - - - 1,123 ATM fees - 26 - - 26 Other - 309 - - 309 Interchange income - - 7,744 - 7,744 Asset management revenue - - - 823 823 Transaction based revenue - - - 374 374 Total $ 8,323 $ 2,079 $ 7,744 $ 1,197 $ 19,343 Reconciliation to Condensed Consolidated Statement of Operations: Non-interest income - other: Other deposit related income $ 2,079 Investment and insurance commissions 1,197 Bank owned life insurance 813 Other 2,773 Total $ 6,862

Leases (Tables)

Leases (Tables)	9 Months Ended
	Sep. 30, 2020
Leases [Abstract]
Components of Operating Leases	The cost components of our operating leases follows: Three Months Ended September 30, Nine Months Ended September 30, 2020 2019 2020 2019 (In thousands) (In thousands) Operating lease cost $ 395 $ 565 $ 1,357 $ 1,692 Variable lease cost 16 43 52 115 Short-term lease cost 10 4 26 14 Total $ 421 $ 612 $ 1,435 $ 1,821
Supplemental Balance Sheet Information Related to Operating Leases	Supplemental balance sheet information related to our operating leases follows: September 30, 2020 December 31, 2019 (Dollars in thousands) Lease right of use asset (1) $ 6,713 $ 8,282 Lease liabilities (2) $ 6,945 $ 8,304 Weighted average remaining lease term (years) 6.84 7.47 Weighted average discount rate 2.6 % 2.8 % (1) Included in Accrued income and other assets (2) Included in Accrued expenses and other liabilities
Maturity Analysis of Lease Liabilities	Maturity analysis of our lease liabilities at September 30, 2020 based on required contractual payments follows: (In thousands) Three months ending December 31, 2020 $ 408 2021 1,505 2022 1,324 2023 1,101 2024 692 2025 and thereafter 2,576 Total lease payments 7,606 Less imputed interest (661 ) Total $ 6,945

New Accounting Standards (Detai

New Accounting Standards (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019
New Accounting Standards [Abstract]
Expected increase in the allowance for loan losses	$ (1,440)	$ 40	$ 90	$ 90
ASU 2016-13 [Member]
New Accounting Standards [Abstract]
Allowance for loan losses forecast period			2 years
ASU 2016-13 [Member] | Minimum [Member]
New Accounting Standards [Abstract]
Expected increase to the allowance for losses related to unfunded loan commitments					$ 1,000
ASU 2016-13 [Member] | Maximum [Member]
New Accounting Standards [Abstract]
Expected increase to the allowance for losses related to unfunded loan commitments					2,000
ASU 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Minimum [Member]
New Accounting Standards [Abstract]
Expected increase in the allowance for loan losses					8,000
ASU 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Maximum [Member]
New Accounting Standards [Abstract]
Expected increase in the allowance for loan losses					$ 10,000

Securities (Details)

Securities (Details) $ in Thousands	3 Months Ended			9 Months Ended
	Sep. 30, 2020USD ($)Security	Sep. 30, 2019USD ($)Security		Sep. 30, 2020USD ($)Security	Sep. 30, 2019USD ($)		Dec. 31, 2019USD ($)
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized cost	$ 968,038			$ 968,038			$ 513,668
Unrealized Gains	18,899			18,899			5,782
Unrealized Losses	1,887			1,887			1,050
Fair Value	985,050			985,050			518,400
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	155,790			155,790			130,648
Less Than Twelve Months, Unrealized Losses	1,263			1,263			535
Twelve Months or More, Fair Value	30,292			30,292			38,343
Twelve Months or More, Unrealized Losses	624			624			515
Total, Fair Value	186,082			186,082			168,991
Total, Unrealized Losses	1,887			1,887			1,050
Private Label Mortgage Backed Securities Below Investment Grade [Abstract]
Fair value	939			939
Amortized cost	754			754
Non-credit unrealized loss	0			0
Unrealized gain	185			185
Cumulative credit related OTTI	1,214			1,214
Credit related OTTI recognized in earnings	0	$ 0		0	$ 0
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Roll Forward]
Balance at beginning of period	1,214	1,594		1,214	1,594
Additions to credit losses on securities for which no previous OTTI was recognized	0	0		0	0
Increases to credit losses on securities for which OTTI was previously recognized	0	0		0	0
Reduction	0	(380)	[1]	0	(380)	[1]
Balance at end of period	1,214	$ 1,214		1,214	$ 1,214
Number of securities settled which were recorded under OTTI | Security		1
U.S. Agency [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized cost	10,820			10,820			14,591
Unrealized Gains	332			332			89
Unrealized Losses	22			22			19
Fair Value	11,130			11,130			14,661
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	1,788			1,788			2,782
Less Than Twelve Months, Unrealized Losses	5			5			8
Twelve Months or More, Fair Value	2,262			2,262			2,712
Twelve Months or More, Unrealized Losses	17			17			11
Total, Fair Value	4,050			4,050			5,494
Total, Unrealized Losses	$ 22			$ 22			19
Number of securities with market fair value less than amortized cost | Security	27			27
U.S. Agency Residential Mortgage-Backed [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized cost	$ 330,914			$ 330,914			226,130
Unrealized Gains	5,167			5,167			1,910
Unrealized Losses	521			521			278
Fair Value	335,560			335,560			227,762
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	81,400			81,400			56,377
Less Than Twelve Months, Unrealized Losses	519			519			126
Twelve Months or More, Fair Value	1,298			1,298			13,551
Twelve Months or More, Unrealized Losses	2			2			152
Total, Fair Value	82,698			82,698			69,928
Total, Unrealized Losses	$ 521			$ 521			278
Number of securities with market fair value less than amortized cost | Security	39			39
U.S. Agency Commercial Mortgage-Backed [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized cost	$ 8,039			$ 8,039			10,671
Unrealized Gains	382			382			113
Unrealized Losses	0			0			28
Fair Value	8,421			8,421			10,756
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value							3,284
Less Than Twelve Months, Unrealized Losses							24
Twelve Months or More, Fair Value							659
Twelve Months or More, Unrealized Losses							4
Total, Fair Value							3,943
Total, Unrealized Losses							28
Private Label Mortgage-Backed [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized cost	43,190			43,190			39,248
Unrealized Gains	1,415			1,415			544
Unrealized Losses	320			320			99
Fair Value	44,285			44,285			39,693
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	14,269			14,269			16,387
Less Than Twelve Months, Unrealized Losses	268			268			55
Twelve Months or More, Fair Value	749			749			343
Twelve Months or More, Unrealized Losses	52			52			44
Total, Fair Value	15,018			15,018			16,730
Total, Unrealized Losses	$ 320			$ 320			99
Number of securities with market fair value less than amortized cost | Security	20			20
Private Label Mortgage Backed Securities Below Investment Grade [Abstract]
Number of private label mortgage backed securities currently with OTTI unrealized gains | Security	2			2
Senior Security [Member]
Private Label Mortgage Backed Securities Below Investment Grade [Abstract]
Fair value	$ 403			$ 403
Amortized cost	386			386
Non-credit unrealized loss	0			0
Unrealized gain	17			17
Cumulative credit related OTTI	757			757
Super Senior Security [Member]
Private Label Mortgage Backed Securities Below Investment Grade [Abstract]
Fair value	536			536
Amortized cost	368			368
Non-credit unrealized loss	0			0
Unrealized gain	168			168
Cumulative credit related OTTI	457			457
Other Asset Backed [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized cost	262,435			262,435			94,158
Unrealized Gains	1,392			1,392			103
Unrealized Losses	456			456			375
Fair Value	263,371			263,371			93,886
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	28,630			28,630			34,027
Less Than Twelve Months, Unrealized Losses	129			129			233
Twelve Months or More, Fair Value	22,210			22,210			13,839
Twelve Months or More, Unrealized Losses	327			327			142
Total, Fair Value	50,840			50,840			47,866
Total, Unrealized Losses	$ 456			$ 456			375
Number of securities with market fair value less than amortized cost | Security	55			55
Obligations of States and Political Subdivisions [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized cost	$ 238,479			$ 238,479			94,499
Unrealized Gains	6,635			6,635			1,724
Unrealized Losses	136			136			121
Fair Value	244,978			244,978			96,102
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	19,075			19,075			15,666
Less Than Twelve Months, Unrealized Losses	110			110			84
Twelve Months or More, Fair Value	2,003			2,003			5,396
Twelve Months or More, Unrealized Losses	26			26			37
Total, Fair Value	21,078			21,078			21,062
Total, Unrealized Losses	$ 136			$ 136			121
Number of securities with market fair value less than amortized cost | Security	26			26
Corporate [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized cost	$ 71,691			$ 71,691			31,904
Unrealized Gains	3,558			3,558			1,296
Unrealized Losses	232			232			5
Fair Value	75,017			75,017			33,195
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	10,628			10,628			2,125
Less Than Twelve Months, Unrealized Losses	232			232			5
Twelve Months or More, Fair Value	0			0			0
Twelve Months or More, Unrealized Losses	0			0			0
Total, Fair Value	10,628			10,628			2,125
Total, Unrealized Losses	$ 232			$ 232			5
Number of securities with market fair value less than amortized cost | Security	12			12
Trust Preferred [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized cost	$ 1,970			$ 1,970			1,968
Unrealized Gains	0			0			0
Unrealized Losses	200			200			125
Fair Value	1,770			1,770			1,843
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	0			0			0
Less Than Twelve Months, Unrealized Losses	0			0			0
Twelve Months or More, Fair Value	1,770			1,770			1,843
Twelve Months or More, Unrealized Losses	200			200			125
Total, Fair Value	1,770			1,770			1,843
Total, Unrealized Losses	$ 200			$ 200			125
Number of securities with market fair value less than amortized cost | Security	2			2
Number of issues rated as investment grade | Security	1			1
Number of securities not rated | Security	1			1
Non-rated securities, amortized cost	$ 1,000			$ 1,000
Fair value of non-rated trust preferred securities	850			850
Foreign Government [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized cost	500			500			499
Unrealized Gains	18			18			3
Unrealized Losses	0			0			0
Fair Value	$ 518			$ 518			$ 502
[1]	During the third quarter of 2019 one security with previously recorded OTTI was settled and balance is now zero.

Securities, Amortized Cost and

Securities, Amortized Cost and Fair Value Securities Available for Sale Contractual Maturities (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Available-for-sale Securities, Debt Maturities, Amortized Cost Basis, Fiscal Year Maturity [Abstract]
Maturing within one year	$ 18,967
Maturing after one year but within five years	80,229
Maturing after five years but within ten years	63,308
Maturing after ten years	160,956
Amortized cost	323,460
U.S. agency residential mortgage-backed	330,914
U.S. agency commercial mortgage-backed	8,039
Private label mortgage-backed	43,190
Other asset backed	262,435
Amortized cost	968,038	$ 513,668
Available-for-sale Securities, Debt Maturities, Fair Value, Fiscal Year Maturity [Abstract]
Maturing within one year	19,048
Maturing after one year but within five years	83,042
Maturing after five years but within ten years	66,592
Maturing after ten years	164,731
Total available-for-sale securities fair value	333,413
U.S. agency residential mortgage-backed	335,560
U.S. agency commercial mortgage-backed	8,421
Private label mortgage-backed	44,285
Other asset backed	263,371
Total	$ 985,050	$ 518,400

Securities, Gains and Losses Re

Securities, Gains and Losses Realized on Sale of Securities Available for Sale (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019
Gain and losses realized on sale of securities available for sale [Abstract]
Proceeds	$ 36,593	$ 44,305
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		9 Months Ended
		Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019
Analysis of allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		$ 34,500	$ 25,903	$ 26,148	$ 24,888
Additions (deductions) [Abstract]
Provision for loan losses		975	(271)	12,884	1,045
Recoveries credited to the allowance		650	1,652	2,404	3,109
Loans charged against the allowance		(354)	(1,136)	(5,665)	(2,894)
Balance at end of period		35,771	26,148	35,771	26,148
Allowance for loan losses [Abstract]
Individually evaluated for impairment		6,138		6,138		$ 6,155
Collectively evaluated for impairment		29,633		29,633		19,993
Total ending allowance for loan losses balance		35,771		35,771		26,148
Loans [Abstract]
Individually evaluated for impairment		53,520		53,520		55,892
Collectively evaluated for impairment		2,809,344		2,809,344		2,675,193
Total loans recorded investment		2,864,473		2,864,473		2,733,370
Accrued interest included in recorded investment		8,994		8,994		8,347
Total loans		2,855,479		2,855,479		2,725,023
Loans Acquired with Deteriorated Credit Quality [Member]
Allowance for loan losses [Abstract]
Loans acquired with deteriorated credit quality		0		0		0
Loans [Abstract]
Loans acquired with deteriorated credit quality		1,609		1,609		2,285
Commercial [Member]
Analysis of allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		8,731	8,121	7,922	7,090
Additions (deductions) [Abstract]
Provision for loan losses		(875)	(810)	2,804	85
Recoveries credited to the allowance		297	1,215	1,463	1,720
Loans charged against the allowance		0	(303)	(4,036)	(672)
Balance at end of period		8,153	8,223	8,153	8,223
Allowance for loan losses [Abstract]
Individually evaluated for impairment		1,699		1,699		1,031
Collectively evaluated for impairment		6,454		6,454		6,891
Total ending allowance for loan losses balance		8,153		8,153		7,922
Loans [Abstract]
Individually evaluated for impairment		10,543		10,543		9,393
Collectively evaluated for impairment		1,343,763		1,343,763		1,158,906
Total loans recorded investment		1,355,212		1,355,212		1,169,693
Accrued interest included in recorded investment		3,422		3,422		2,998
Total loans		1,351,790		1,351,790		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		0
Loans [Abstract]
Loans acquired with deteriorated credit quality		906		906		1,394
Mortgage [Member]
Analysis of allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		7,261	8,062	8,216	7,978
Additions (deductions) [Abstract]
Provision for loan losses		(257)	83	(895)	270
Recoveries credited to the allowance		157	235	364	786
Loans charged against the allowance		(162)	(397)	(686)	(1,051)
Balance at end of period		6,999	7,983	6,999	7,983
Allowance for loan losses [Abstract]
Individually evaluated for impairment		4,174		4,174		4,863
Collectively evaluated for impairment		2,825		2,825		3,353
Total ending allowance for loan losses balance		6,999		6,999		8,216
Loans [Abstract]
Individually evaluated for impairment		40,573		40,573		43,574
Collectively evaluated for impairment		987,300		987,300		1,058,917
Total loans recorded investment		1,028,433		1,028,433		1,103,066
Accrued interest included in recorded investment	[1]	4,397		4,397		4,155
Total loans		1,024,036		1,024,036		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		0
Loans [Abstract]
Loans acquired with deteriorated credit quality		560		560		575
Installment [Member]
Analysis of allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		1,217	1,293	1,283	895
Additions (deductions) [Abstract]
Provision for loan losses		18	289	322	1,021
Recoveries credited to the allowance		196	202	577	603
Loans charged against the allowance		(192)	(436)	(943)	(1,171)
Balance at end of period		1,239	1,348	1,239	1,348
Allowance for loan losses [Abstract]
Individually evaluated for impairment		265		265		261
Collectively evaluated for impairment		974		974		1,022
Total ending allowance for loan losses balance		1,239		1,239		1,283
Loans [Abstract]
Individually evaluated for impairment		2,404		2,404		2,925
Collectively evaluated for impairment		478,281		478,281		457,370
Total loans recorded investment		480,828		480,828		460,611
Accrued interest included in recorded investment	[1]	1,175		1,175		1,194
Total loans		479,653		479,653		459,417
Installment [Member] | Loans Acquired with Deteriorated Credit Quality [Member]
Allowance for loan losses [Abstract]
Loans acquired with deteriorated credit quality		0		0		0
Loans [Abstract]
Loans acquired with deteriorated credit quality		143		143		316
Subjective Allocation [Member]
Analysis of allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		17,291	8,427	8,727	8,925
Additions (deductions) [Abstract]
Provision for loan losses		2,089	167	10,653	(331)
Recoveries credited to the allowance		0	0	0	0
Loans charged against the allowance		0	0	0	0
Balance at end of period		19,380	$ 8,594	19,380	$ 8,594
Allowance for loan losses [Abstract]
Individually evaluated for impairment		0		0		0
Collectively evaluated for impairment		19,380		19,380		8,727
Total ending allowance for loan losses balance		19,380		19,380		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		$ 0
[1]	Credit scores have been updated within the last twelve months.

Loans, Receivables Past Due (De

Loans, Receivables Past Due (Details) - USD ($) $ in Thousands		Sep. 30, 2020	Dec. 31, 2019
Non performing loans [Abstract]
Accrued interest included in recorded investment		$ 8,994	$ 8,347
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		52	77
1-4 Family Owner Occupied - Non-jumbo [Member]
Non performing loans [Abstract]
Government guaranteed loans excluded from non-performing loans		458	569
Commercial [Member]
Non performing loans [Abstract]
Accrued interest included in recorded investment		3,422	2,998
Mortgage [Member]
Non performing loans [Abstract]
Accrued interest included in recorded investment	[1]	4,397	4,155
Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member]
Non performing loans [Abstract]
Accrued interest included in recorded investment	[1]	1,288	1,139
Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member]
Non performing loans [Abstract]
Accrued interest included in recorded investment	[1]	1,891	1,662
Mortgage [Member] | 1-4 Non-owner Occupied [Member]
Non performing loans [Abstract]
Accrued interest included in recorded investment	[1]	590	586
Mortgage [Member] | 1-4 Family - 2nd Lien [Member]
Non performing loans [Abstract]
Accrued interest included in recorded investment	[1]	363	502
Mortgage [Member] | Resort Lending [Member]
Non performing loans [Abstract]
Accrued interest included in recorded investment	[1]	265	266
Installment [Member]
Non performing loans [Abstract]
Accrued interest included in recorded investment	[1]	1,175	1,194
Installment [Member] | Boat Lending [Member]
Non performing loans [Abstract]
Accrued interest included in recorded investment	[1]	471	490
Installment [Member] | Recreational Vehicle Lending [Member]
Non performing loans [Abstract]
Accrued interest included in recorded investment	[1]	381	378
Installment [Member] | Other [Member]
Non performing loans [Abstract]
Accrued interest included in recorded investment	[1]	323	326
Non-Performing Loans [Member]
Non performing loans [Abstract]
90+ and Still Accruing	[2]	266	0
Non-Accrual	[2]	9,971	9,532
Total Non-performing Loans	[2]	10,237	9,532
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]	266	0
Non-Accrual	[2],[3]	1,615	565
Total Non-performing Loans	[2],[3]	1,881	565
Non-Performing Loans [Member] | Commercial [Member] | Commercial Real Estate [Member]
Non performing loans [Abstract]
90+ and Still Accruing	[2]	0	0
Non-Accrual	[2]	554	735
Total Non-performing Loans	[2]	554	735
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]	1,207	1,179
Total Non-performing Loans	[2]	1,207	1,179
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]	2,364	3,540
Total Non-performing Loans	[2],[4]	2,364	3,540
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]	1,304	1,039
Total Non-performing Loans	[2]	1,304	1,039
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]	1,548	979
Total Non-performing Loans	[2]	1,548	979
Non-Performing Loans [Member] | Mortgage [Member] | Resort Lending [Member]
Non performing loans [Abstract]
90+ and Still Accruing	[2]	0	0
Non-Accrual	[2]	699	690
Total Non-performing Loans	[2]	699	690
Non-Performing Loans [Member] | Installment [Member] | Boat Lending [Member]
Non performing loans [Abstract]
90+ and Still Accruing	[2]	0	0
Non-Accrual	[2]	206	332
Total Non-performing Loans	[2]	206	332
Non-Performing Loans [Member] | Installment [Member] | Recreational Vehicle Lending [Member]
Non performing loans [Abstract]
90+ and Still Accruing	[2]	0	0
Non-Accrual	[2]	96	3
Total Non-performing Loans	[2]	96	3
Non-Performing Loans [Member] | Installment [Member] | Other [Member]
Non performing loans [Abstract]
90+ and Still Accruing	[2]	0	0
Non-Accrual	[2]	378	470
Total Non-performing Loans	[2]	$ 378	$ 470
[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 $0.052 million and $0.077 million of government guaranteed loans at September 30, 2020 and December 31, 2019, respectively.
[4]	Non-performing 1-4 family owner occupied – non jumbo loans exclude $0.458 million and $0.569 million of government guaranteed loans at September 30, 2020 and December 31, 2019, respectively.

Loans, Aging Analysis of Loans

Loans, Aging Analysis of Loans by Class (Details) - USD ($) $ in Thousands		Sep. 30, 2020	Dec. 31, 2019
Aging analysis of loans by class [Abstract]
Total loans recorded investment		$ 2,864,473	$ 2,733,370
Accrued interest included in recorded investment		8,994	8,347
Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total recorded investment		5,434	7,449
Accrued interest included in recorded investment		102	74
Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total recorded investment		1,349	2,936
Accrued interest included in recorded investment		17	34
Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total recorded investment		3,455	4,091
Accrued interest included in recorded investment		0	0
Loans Past Due Total [Member]
Aging analysis of loans by class [Abstract]
Total recorded investment		10,238	14,476
Accrued interest included in recorded investment		119	108
Loans Not Past Due [Member]
Aging analysis of loans by class [Abstract]
Loans not Past Due		2,854,235	2,718,894
Accrued interest included in recorded investment		8,875	8,239
Commercial [Member]
Aging analysis of loans by class [Abstract]
Total loans recorded investment		1,355,212	1,169,693
Accrued interest included in recorded investment		3,422	2,998
Commercial [Member] | Commercial and Industrial [Member]
Aging analysis of loans by class [Abstract]
Total recorded investment		495	391
Loans not Past Due		763,757	564,480
Total loans recorded investment		764,252	564,871
Commercial [Member] | Commercial and Industrial [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total recorded investment		0	0
Commercial [Member] | Commercial and Industrial [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total recorded investment		0	289
Commercial [Member] | Commercial and Industrial [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total recorded investment		495	102
Commercial [Member] | Commercial Real Estate [Member]
Aging analysis of loans by class [Abstract]
Total recorded investment		130	912
Loans not Past Due		590,830	603,910
Total loans recorded investment		590,960	604,822
Commercial [Member] | Commercial Real Estate [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total recorded investment		130	177
Commercial [Member] | Commercial Real Estate [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total recorded investment		0	0
Commercial [Member] | Commercial Real Estate [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total recorded investment		0	735
Mortgage [Member]
Aging analysis of loans by class [Abstract]
Total loans recorded investment		1,028,433	1,103,066
Accrued interest included in recorded investment	[1]	4,397	4,155
Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member]
Aging analysis of loans by class [Abstract]
Total recorded investment		1,944	2,794
Loans not Past Due		437,294	398,759
Total loans recorded investment		439,238	401,553
Accrued interest included in recorded investment	[1]	1,288	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 recorded investment		1,312	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 recorded investment		0	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 recorded investment		632	0
Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member]
Aging analysis of loans by class [Abstract]
Total recorded investment		2,035	4,911
Loans not Past Due		247,086	342,349
Total loans recorded investment		249,121	347,260
Accrued interest included in recorded investment	[1]	1,891	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 recorded investment		1,053	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 recorded investment		372	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 recorded investment		610	1,387
Mortgage [Member] | 1-4 Non-owner Occupied [Member]
Aging analysis of loans by class [Abstract]
Total recorded investment		1,763	1,454
Loans not Past Due		177,101	168,083
Total loans recorded investment		178,864	169,537
Accrued interest included in recorded investment	[1]	590	586
Mortgage [Member] | 1-4 Non-owner Occupied [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total recorded investment		1,336	695
Mortgage [Member] | 1-4 Non-owner Occupied [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total recorded investment		60	136
Mortgage [Member] | 1-4 Non-owner Occupied [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total recorded investment		367	623
Mortgage [Member] | 1-4 Family - 2nd Lien [Member]
Aging analysis of loans by class [Abstract]
Total recorded investment		1,268	1,385
Loans not Past Due		99,427	115,157
Total loans recorded investment		100,695	116,542
Accrued interest included in recorded investment	[1]	363	502
Mortgage [Member] | 1-4 Family - 2nd Lien [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total recorded investment		472	909
Mortgage [Member] | 1-4 Family - 2nd Lien [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total recorded investment		251	90
Mortgage [Member] | 1-4 Family - 2nd Lien [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total recorded investment		545	386
Mortgage [Member] | Resort Lending [Member]
Aging analysis of loans by class [Abstract]
Total recorded investment		1,107	982
Loans not Past Due		59,408	67,192
Total loans recorded investment		60,515	68,174
Accrued interest included in recorded investment	[1]	265	266
Mortgage [Member] | Resort Lending [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total recorded investment		273	364
Mortgage [Member] | Resort Lending [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total recorded investment		443	53
Mortgage [Member] | Resort Lending [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total recorded investment		391	565
Installment [Member]
Aging analysis of loans by class [Abstract]
Total loans recorded investment		480,828	460,611
Accrued interest included in recorded investment	[1]	1,175	1,194
Installment [Member] | Boat Lending [Member]
Aging analysis of loans by class [Abstract]
Total recorded investment		383	532
Loans not Past Due		211,353	202,750
Total loans recorded investment		211,736	203,282
Accrued interest included in recorded investment	[1]	471	490
Installment [Member] | Boat Lending [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total recorded investment		213	337
Installment [Member] | Boat Lending [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total recorded investment		38	107
Installment [Member] | Boat Lending [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total recorded investment		132	88
Installment [Member] | Recreational Vehicle Lending [Member]
Aging analysis of loans by class [Abstract]
Total recorded investment		441	261
Loans not Past Due		168,211	153,184
Total loans recorded investment		168,652	153,445
Accrued interest included in recorded investment	[1]	381	378
Installment [Member] | Recreational Vehicle Lending [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total recorded investment		364	161
Installment [Member] | Recreational Vehicle Lending [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total recorded investment		19	97
Installment [Member] | Recreational Vehicle Lending [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total recorded investment		58	3
Installment [Member] | Other [Member]
Aging analysis of loans by class [Abstract]
Total recorded investment		672	854
Loans not Past Due		99,768	103,030
Total loans recorded investment		100,440	103,884
Accrued interest included in recorded investment	[1]	323	326
Installment [Member] | Other [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total recorded investment		281	377
Installment [Member] | Other [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total recorded investment		166	275
Installment [Member] | Other [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total recorded investment		$ 225	$ 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		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019
Impaired loans with no allocated allowance for loan losses [Abstract]
Troubled debt restructurings ("TDR")	$ 336		$ 336		$ 337
Non - TDR	1,562		1,562		1,550
Impaired loans with an allocated allowance for loan losses [Abstract]
TDR - allowance based on collateral	9,412		9,412		1,587
TDR - allowance based on present value cash flow	38,934		38,934		48,798
Non - TDR - allowance based on collateral	2,963		2,963		3,365
Total impaired loans	53,207		53,207		55,637
Amount of allowance for loan losses allocated [Abstract]
TDR - allowance based on collateral	1,104		1,104		542
TDR - allowance based on present value cash flow	3,838		3,838		4,641
Non - TDR - allowance based on collateral	1,196		1,196		972
Total amount of allowance for loan losses allocated	6,138		6,138		6,155
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance for loan losses recorded	1,898		1,898		1,887
Unpaid Principal Balance, with no related allowance for loan losses recorded	2,366		2,366		2,115
With no related allowance for loan losses recorded	0		0		0
Recorded Investment, with an allowance for loan losses recorded	51,622		51,622		54,005
Unpaid Principal Balance, with an allowance for loan losses recorded	53,416		53,416		56,708
Recorded Investment	53,520		53,520		55,892
Unpaid Principal Balance	55,782		55,782		58,823
Related Allowance	6,138		6,138		6,155
Accrued interest included in recorded investment	313		313		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	1,862	$ 879	1,790	$ 529
Interest Income Recognized, with no related allowance for loan losses recorded	4	13	13	15
Average Recorded Investment, with an allowance for loan losses recorded	56,522	53,636	57,198	55,786
Interest Income Recognized, with an allowance for loan losses recorded	670	740	2,334	2,213
Average Recorded Investment	58,384	54,515	58,988	56,315
Interest Income Recognized	674	753	2,347	2,228
Commercial [Member] | Commercial and Industrial [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance for loan losses recorded	122		122		257
Unpaid Principal Balance, with no related allowance for loan losses recorded	124		124		257
With no related allowance for loan losses recorded	0		0		0
Recorded Investment, with an allowance for loan losses recorded	2,452		2,452		1,655
Unpaid Principal Balance, with an allowance for loan losses recorded	2,572		2,572		1,706
Recorded Investment	2,574		2,574		1,912
Unpaid Principal Balance	2,696		2,696		1,963
Related Allowance	855		855		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	103	0	137	0
Interest Income Recognized, with no related allowance for loan losses recorded	2	0	4	0
Average Recorded Investment, with an allowance for loan losses recorded	2,431	1,534	2,231	2,406
Interest Income Recognized, with an allowance for loan losses recorded	38	16	105	52
Average Recorded Investment	2,534	1,534	2,368	2,406
Interest Income Recognized	40	16	109	52
Commercial [Member] | Commercial Real Estate [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance for loan losses recorded	0		0		796
Unpaid Principal Balance, with no related allowance for loan losses recorded	0		0		796
With no related allowance for loan losses recorded	0		0		0
Recorded Investment, with an allowance for loan losses recorded	7,969		7,969		6,685
Unpaid Principal Balance, with an allowance for loan losses recorded	7,980		7,980		6,661
Recorded Investment	7,969		7,969		7,481
Unpaid Principal Balance	7,980		7,980		7,457
Related Allowance	844		844		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	0	327	199	164
Interest Income Recognized, with no related allowance for loan losses recorded	0	5	0	5
Average Recorded Investment, with an allowance for loan losses recorded	12,195	6,069	11,657	5,552
Interest Income Recognized, with an allowance for loan losses recorded	130	71	641	221
Average Recorded Investment	12,195	6,396	11,856	5,716
Interest Income Recognized	130	76	641	226
Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance for loan losses recorded	632		632		0
Unpaid Principal Balance, with no related allowance for loan losses recorded	632		632		0
With no related allowance for loan losses recorded	0		0		0
Recorded Investment, with an allowance for loan losses recorded	1,091		1,091		1,447
Unpaid Principal Balance, with an allowance for loan losses recorded	1,458		1,458		1,445
Recorded Investment	1,723		1,723		1,447
Unpaid Principal Balance	2,090		2,090		1,445
Related Allowance	126		126		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	632	0	316	0
Interest Income Recognized, with no related allowance for loan losses recorded	0	0	0	0
Average Recorded Investment, with an allowance for loan losses recorded	808	1,003	1,228	1,248
Interest Income Recognized, with an allowance for loan losses recorded	11	9	39	26
Average Recorded Investment	1,440	1,003	1,544	1,248
Interest Income Recognized	11	9	39	26
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	237		237		212
Unpaid Principal Balance, with no related allowance for loan losses recorded	314		314		217
With no related allowance for loan losses recorded	0		0		0
Recorded Investment, with an allowance for loan losses recorded	21,805		21,805		10,163
Unpaid Principal Balance, with an allowance for loan losses recorded	22,414		22,414		10,695
Recorded Investment	22,042		22,042		10,375
Unpaid Principal Balance	22,728		22,728		10,912
Related Allowance	2,300		2,300		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	331	352	353	265
Interest Income Recognized, with no related allowance for loan losses recorded	0	1	4	3
Average Recorded Investment, with an allowance for loan losses recorded	22,070	23,674	19,116	24,110
Interest Income Recognized, with an allowance for loan losses recorded	277	336	901	1,031
Average Recorded Investment	22,401	24,026	19,469	24,375
Interest Income Recognized	277	337	905	1,034
Mortgage [Member] | 1-4 Non-owner Occupied [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance for loan losses recorded	311		311		214
Unpaid Principal Balance, with no related allowance for loan losses recorded	475		475		366
With no related allowance for loan losses recorded	0		0		0
Recorded Investment, with an allowance for loan losses recorded	4,473		4,473		4,962
Unpaid Principal Balance, with an allowance for loan losses recorded	4,810		4,810		5,542
Recorded Investment	4,784		4,784		5,176
Unpaid Principal Balance	5,285		5,285		5,908
Related Allowance	470		470		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	316	200	309	100
Interest Income Recognized, with no related allowance for loan losses recorded	2	6	5	6
Average Recorded Investment, with an allowance for loan losses recorded	4,708	5,447	4,746	6,040
Interest Income Recognized, with an allowance for loan losses recorded	52	76	170	227
Average Recorded Investment	5,024	5,647	5,055	6,140
Interest Income Recognized	54	82	175	233
Mortgage [Member] | 1-4 Family - 2nd Lien [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance for loan losses recorded	442		442		407
Unpaid Principal Balance, with no related allowance for loan losses recorded	442		442		438
With no related allowance for loan losses recorded	0		0		0
Recorded Investment, with an allowance for loan losses recorded	620		620		14,059
Unpaid Principal Balance, with an allowance for loan losses recorded	629		629		15,243
Recorded Investment	1,062		1,062		14,466
Unpaid Principal Balance	1,071		1,071		15,681
Related Allowance	133		133		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	403	0	399	0
Interest Income Recognized, with no related allowance for loan losses recorded	0	0	0	0
Average Recorded Investment, with an allowance for loan losses recorded	598	601	4,017	479
Interest Income Recognized, with an allowance for loan losses recorded	3	8	9	14
Average Recorded Investment	1,001	601	4,416	479
Interest Income Recognized	3	8	9	14
Mortgage [Member] | Resort Lending [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance for loan losses recorded	154		154		0
Unpaid Principal Balance, with no related allowance for loan losses recorded	379		379		0
With no related allowance for loan losses recorded	0		0		0
Recorded Investment, with an allowance for loan losses recorded	10,808		10,808		12,110
Unpaid Principal Balance, with an allowance for loan losses recorded	10,972		10,972		12,263
Recorded Investment	10,962		10,962		12,110
Unpaid Principal Balance	11,351		11,351		12,263
Related Allowance	1,145		1,145		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	77	0
Interest Income Recognized, with no related allowance for loan losses recorded	0	0	0	0
Average Recorded Investment, with an allowance for loan losses recorded	11,186	12,067	11,506	12,607
Interest Income Recognized, with an allowance for loan losses recorded	125	171	358	493
Average Recorded Investment	11,263	12,067	11,583	12,607
Interest Income Recognized	125	171	358	493
Installment [Member] | Boat Lending [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance for loan losses recorded	0		0		0
Unpaid Principal Balance, with no related allowance for loan losses recorded	0		0		0
With no related allowance for loan losses recorded	0		0		0
Recorded Investment, with an allowance for loan losses recorded	139		139		0
Unpaid Principal Balance, with an allowance for loan losses recorded	172		172		0
Recorded Investment	139		139		0
Unpaid Principal Balance	172		172		0
Related Allowance	49		49		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	0	0
Interest Income Recognized, with no related allowance for loan losses recorded	0	0	0	0
Average Recorded Investment, with an allowance for loan losses recorded	106	86	72	68
Interest Income Recognized, with an allowance for loan losses recorded	0	2	0	2
Average Recorded Investment	106	86	72	68
Interest Income Recognized	0	2	0	2
Installment [Member] | Recreational Vehicle Lending [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance for loan losses recorded	0		0		0
Unpaid Principal Balance, with no related allowance for loan losses recorded	0		0		0
With no related allowance for loan losses recorded	0		0		0
Recorded Investment, with an allowance for loan losses recorded	101		101		0
Unpaid Principal Balance, with an allowance for loan losses recorded	114		114		0
Recorded Investment	101		101		0
Unpaid Principal Balance	114		114		0
Related Allowance	23		23		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	0	0
Interest Income Recognized, with no related allowance for loan losses recorded	0	0	0	0
Average Recorded Investment, with an allowance for loan losses recorded	96	50	80	65
Interest Income Recognized, with an allowance for loan losses recorded	1	1	2	2
Average Recorded Investment	96	50	80	65
Interest Income Recognized	1	1	2	2
Installment [Member] | Other [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance for loan losses recorded	0		0		1
Unpaid Principal Balance, with no related allowance for loan losses recorded	0		0		41
With no related allowance for loan losses recorded	0		0		0
Recorded Investment, with an allowance for loan losses recorded	2,164		2,164		2,924
Unpaid Principal Balance, with an allowance for loan losses recorded	2,295		2,295		3,153
Recorded Investment	2,164		2,164		2,925
Unpaid Principal Balance	2,295		2,295		3,194
Related Allowance	193		193		$ 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	0	0	0	0
Interest Income Recognized, with no related allowance for loan losses recorded	0	1	0	1
Average Recorded Investment, with an allowance for loan losses recorded	2,324	3,105	2,545	3,211
Interest Income Recognized, with an allowance for loan losses recorded	33	50	109	145
Average Recorded Investment	2,324	3,105	2,545	3,211
Interest Income Recognized	$ 33	$ 51	$ 109	$ 146

Loans, Troubled Debt Restructur

Loans, Troubled Debt Restructurings (Details) $ in Thousands		3 Months Ended		9 Months Ended
		Sep. 30, 2020USD ($)Contract	Sep. 30, 2019USD ($)Contract	Sep. 30, 2020USD ($)ContractPayment	Sep. 30, 2019USD ($)Contract	Dec. 31, 2019USD ($)
Troubled Debt Restructuring [Abstract]
Troubled debt restructuring		$ 48,682		$ 48,682		$ 50,722
Number of consecutive timely payments required | Payment				6
Troubled debt restructuring, specific reserve		$ 4,900		$ 4,900		5,200
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract		3	7	20	18
Pre-modification recorded balance		$ 163	$ 438	$ 8,622	$ 2,763
Post-modification recorded balance		168	442	8,637	2,769
Increase in allowance for loan losses		(1,440)	40	90	90
Charge offs due to troubled debt restructurings		0	0	$ 0	0
Past due period for modified loans				90 days
Charge-offs on TDRs that subsequently defaulted		0	$ 0	$ 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				360 months
Performing TDRs [Member]
Troubled Debt Restructuring [Abstract]
Troubled debt restructuring		45,629		$ 45,629		47,575
Non-performing TDRs [Member]
Troubled Debt Restructuring [Abstract]
Troubled debt restructuring	[1]	3,053		3,053		3,147
Commercial [Member]
Troubled Debt Restructuring [Abstract]
Troubled debt restructuring		9,495		9,495		8,514
Commercial [Member] | Performing TDRs [Member]
Troubled Debt Restructuring [Abstract]
Troubled debt restructuring		8,292		8,292		7,974
Commercial [Member] | Non-performing TDRs [Member]
Troubled Debt Restructuring [Abstract]
Troubled debt restructuring	[1]	$ 1,203		$ 1,203		540
Commercial [Member] | Commercial and Industrial [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract		0	2	7	3
Pre-modification recorded balance		$ 0	$ 137	$ 1,207	$ 186
Post-modification recorded balance		$ 0	$ 137	$ 1,207	$ 186
Commercial [Member] | Commercial Real Estate [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract		0	0	4	2
Pre-modification recorded balance		$ 0	$ 0	$ 7,012	$ 1,329
Post-modification recorded balance		$ 0	$ 0	$ 7,012	$ 1,329
Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract		0	0	0	0
Pre-modification recorded balance		$ 0	$ 0	$ 0	$ 0
Post-modification recorded balance		$ 0	$ 0	$ 0	$ 0
Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract		1	1	3	2
Pre-modification recorded balance		$ 92	$ 198	$ 195	$ 479
Post-modification recorded balance		$ 95	$ 202	$ 203	$ 483
Mortgage [Member] | 1-4 Non-owner Occupied [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract		1	0	2	1
Pre-modification recorded balance		$ 52	$ 0	$ 111	$ 506
Post-modification recorded balance		$ 54	$ 0	$ 116	$ 505
Mortgage [Member] | 1-4 Family - 2nd Lien [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract		0	3	2	3
Pre-modification recorded balance		$ 0	$ 75	$ 45	$ 75
Post-modification recorded balance		$ 0	$ 75	$ 46	$ 75
Mortgage [Member] | Resort Lending [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract		0	0	0	0
Pre-modification recorded balance		$ 0	$ 0	$ 0	$ 0
Post-modification recorded balance		$ 0	$ 0	$ 0	$ 0
Installment [Member] | Boat Lending [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract		0	0	0	0
Pre-modification recorded balance		$ 0	$ 0	$ 0	$ 0
Post-modification recorded balance		$ 0	$ 0	$ 0	$ 0
Installment [Member] | Recreational Vehicle Lending [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract		0	0	0	0
Pre-modification recorded balance		$ 0	$ 0	$ 0	$ 0
Post-modification recorded balance		$ 0	$ 0	$ 0	$ 0
Installment [Member] | Other [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract		1	1	2	7
Pre-modification recorded balance		$ 19	$ 28	$ 52	$ 188
Post-modification recorded balance		19	$ 28	53	$ 191
Retail [Member]
Troubled Debt Restructuring [Abstract]
Troubled debt restructuring	[2]	39,187		39,187		42,208
Retail [Member] | Performing TDRs [Member]
Troubled Debt Restructuring [Abstract]
Troubled debt restructuring	[2]	37,337		37,337		39,601
Retail [Member] | Non-performing TDRs [Member]
Troubled Debt Restructuring [Abstract]
Troubled debt restructuring	[1],[2],[3]	$ 1,850		$ 1,850		$ 2,607
[1]	Included in non-performing loans table above.
[2]	Retail loans include mortgage and installment loan portfolio 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 Thousands		3 Months Ended		9 Months Ended
		Sep. 30, 2020USD ($)LoanApplication	Sep. 30, 2019USD ($)	Sep. 30, 2020USD ($)ApplicationLoan	Sep. 30, 2019USD ($)	Jun. 30, 2020USD ($)	Dec. 31, 2019USD ($)	Jun. 30, 2019USD ($)	Dec. 31, 2018USD ($)
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
Total loans		$ 2,855,479		$ 2,855,479			$ 2,725,023
Percentage of total loans, COVID-19 Accomodations				2.10%
Allowance for loan losses		35,771	$ 26,148	$ 35,771	$ 26,148	$ 34,500	26,148	$ 25,903	$ 24,888
Interest and fees on loans		30,393	34,226	92,020	100,743
Paycheck Protection Program [Member]
Non-TDR Loan Modifications and Paycheck Protection Program ("PPP") due to COVID-19 [Abstract]
Total loans		$ 261,100		$ 261,100
Number of outstanding loans | Loan		2,117		2,117
Allowance for loan losses		$ 0		$ 0
Number of loan forgiveness applications submitted | Application		197		197
Amount of loan forgiveness applications submitted		$ 37,200		$ 37,200
Interest and fees on loans		1,300	0	2,300	0
Remaining unaccreted net fees		6,500		6,500
Commercial [Member]
Non-TDR Loan Modifications and Paycheck Protection Program ("PPP") due to COVID-19 [Abstract]
Total loans		1,351,790		$ 1,351,790			1,166,695
Percentage of total loans, COVID-19 Accomodations				1.90%
Allowance for loan losses		8,153	8,223	$ 8,153	8,223	8,731	7,922	8,121	7,090
Mortgage [Member]
Non-TDR Loan Modifications and Paycheck Protection Program ("PPP") due to COVID-19 [Abstract]
Total loans		1,024,036		$ 1,024,036			1,098,911
Percentage of total loans, COVID-19 Accomodations				3.10%
Allowance for loan losses		6,999	7,983	$ 6,999	7,983	7,261	8,216	8,062	7,978
Installment [Member]
Non-TDR Loan Modifications and Paycheck Protection Program ("PPP") due to COVID-19 [Abstract]
Total loans		479,653		$ 479,653			459,417
Percentage of total loans, COVID-19 Accomodations				0.50%
Allowance for loan losses		1,239	$ 1,348	$ 1,239	$ 1,348	$ 1,217	$ 1,283	$ 1,293	$ 895
Mortgage Loans Serviced for Others [Member]
Non-TDR Loan Modifications and Paycheck Protection Program ("PPP") due to COVID-19 [Abstract]
Total loans	[1]	2,873,153		$ 2,873,153
Percentage of total loans, COVID-19 Accomodations	[1]			2.30%
COVID-19 Accomodations [Member] | Paycheck Protection Program [Member]
Non-TDR Loan Modifications and Paycheck Protection Program ("PPP") due to COVID-19 [Abstract]
Number of loans with Covid 19 Accommodations | Loan				311
Non-TDR loan modifications, portfolio loans outstanding		59,827		$ 59,827
COVID-19 Accomodations [Member] | Commercial [Member] | Paycheck Protection Program [Member]
Non-TDR Loan Modifications and Paycheck Protection Program ("PPP") due to COVID-19 [Abstract]
Number of loans with Covid 19 Accommodations | Loan				17
Non-TDR loan modifications, portfolio loans outstanding		25,105		$ 25,105
COVID-19 Accomodations [Member] | Mortgage [Member] | Paycheck Protection Program [Member]
Non-TDR Loan Modifications and Paycheck Protection Program ("PPP") due to COVID-19 [Abstract]
Number of loans with Covid 19 Accommodations | Loan				197
Non-TDR loan modifications, portfolio loans outstanding		32,091		$ 32,091
COVID-19 Accomodations [Member] | Installment [Member] | Paycheck Protection Program [Member]
Non-TDR Loan Modifications and Paycheck Protection Program ("PPP") due to COVID-19 [Abstract]
Number of loans with Covid 19 Accommodations | Loan				97
Non-TDR loan modifications, portfolio loans outstanding		2,631		$ 2,631
COVID-19 Accomodations [Member] | Mortgage Loans Serviced for Others [Member] | Paycheck Protection Program [Member]
Non-TDR Loan Modifications and Paycheck Protection Program ("PPP") due to COVID-19 [Abstract]
Number of loans with Covid 19 Accommodations | Loan	[1]			416
Non-TDR loan modifications, portfolio loans outstanding	[1]	66,279		$ 66,279
COVID-19 Subsequent Accommodation [Member] | Paycheck Protection Program [Member]
Non-TDR Loan Modifications and Paycheck Protection Program ("PPP") due to COVID-19 [Abstract]
Number of loans with Covid 19 Accommodations | Loan				182
Non-TDR loan modifications, portfolio loans outstanding		29,880		$ 29,880
COVID-19 Subsequent Accommodation [Member] | Commercial [Member] | Paycheck Protection Program [Member]
Non-TDR Loan Modifications and Paycheck Protection Program ("PPP") due to COVID-19 [Abstract]
Number of loans with Covid 19 Accommodations | Loan				6
Non-TDR loan modifications, portfolio loans outstanding		5,726		$ 5,726
COVID-19 Subsequent Accommodation [Member] | Mortgage [Member] | Paycheck Protection Program [Member]
Non-TDR Loan Modifications and Paycheck Protection Program ("PPP") due to COVID-19 [Abstract]
Number of loans with Covid 19 Accommodations | Loan				125
Non-TDR loan modifications, portfolio loans outstanding		22,571		$ 22,571
COVID-19 Subsequent Accommodation [Member] | Installment [Member] | Paycheck Protection Program [Member]
Non-TDR Loan Modifications and Paycheck Protection Program ("PPP") due to COVID-19 [Abstract]
Number of loans with Covid 19 Accommodations | Loan				51
Non-TDR loan modifications, portfolio loans outstanding		$ 1,583		$ 1,583
[1]	We have delegated authority from all investors to grant these deferrals on their behalf.

Loans, Loan Ratings by Loan Cla

Loans, Loan Ratings by Loan Class, Commercial (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Summary of Loan Ratings by Loan Class [Abstract]
Loans	$ 2,864,473	$ 2,733,370
Accrued interest included in total	8,994	8,347
Commercial [Member]
Summary of Loan Ratings by Loan Class [Abstract]
Loans	1,355,212	1,169,693
Accrued interest included in total	3,422	2,998
Commercial [Member] | Non-Watch 1-6 [Member]
Summary of Loan Ratings by Loan Class [Abstract]
Loans	1,295,357	1,096,471
Accrued interest included in total	3,267	2,763
Commercial [Member] | Watch 7-8 [Member]
Summary of Loan Ratings by Loan Class [Abstract]
Loans	50,340	67,420
Accrued interest included in total	116	205
Commercial [Member] | Substandard Accrual 9 [Member]
Summary of Loan Ratings by Loan Class [Abstract]
Loans	7,346	4,502
Accrued interest included in total	39	30
Commercial [Member] | Non-Accrual 10-11 [Member]
Summary of Loan Ratings by Loan Class [Abstract]
Loans	2,169	1,300
Accrued interest included in total	0	0
Commercial [Member] | Commercial and Industrial [Member]
Summary of Loan Ratings by Loan Class [Abstract]
Loans	764,252	564,871
Commercial [Member] | Commercial and Industrial [Member] | Non-Watch 1-6 [Member]
Summary of Loan Ratings by Loan Class [Abstract]
Loans	715,810	515,955
Commercial [Member] | Commercial and Industrial [Member] | Watch 7-8 [Member]
Summary of Loan Ratings by Loan Class [Abstract]
Loans	42,153	44,384
Commercial [Member] | Commercial and Industrial [Member] | Substandard Accrual 9 [Member]
Summary of Loan Ratings by Loan Class [Abstract]
Loans	4,674	3,967
Commercial [Member] | Commercial and Industrial [Member] | Non-Accrual 10-11 [Member]
Summary of Loan Ratings by Loan Class [Abstract]
Loans	1,615	565
Commercial [Member] | Commercial Real Estate [Member]
Summary of Loan Ratings by Loan Class [Abstract]
Loans	590,960	604,822
Commercial [Member] | Commercial Real Estate [Member] | Non-Watch 1-6 [Member]
Summary of Loan Ratings by Loan Class [Abstract]
Loans	579,547	580,516
Commercial [Member] | Commercial Real Estate [Member] | Watch 7-8 [Member]
Summary of Loan Ratings by Loan Class [Abstract]
Loans	8,187	23,036
Commercial [Member] | Commercial Real Estate [Member] | Substandard Accrual 9 [Member]
Summary of Loan Ratings by Loan Class [Abstract]
Loans	2,672	535
Commercial [Member] | Commercial Real Estate [Member] | Non-Accrual 10-11 [Member]
Summary of Loan Ratings by Loan Class [Abstract]
Loans	$ 554	$ 735

Loans, Credit Scores by Loan Cl

Loans, Credit Scores by Loan Class, Mortgage and Installment Segments (Details) - USD ($) $ in Thousands		3 Months Ended				9 Months Ended
		Sep. 30, 2020	Mar. 31, 2020	Sep. 30, 2019	Mar. 31, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019
Loan ratings/credit scores by loan class [Abstract]
Accrued interest included in total		$ 8,994				$ 8,994		$ 8,347
Other Real Estate and Foreclosed Assets [Abstract]
Foreclosed residential real estate properties		1,000				1,000		1,200
Retail mortgage loans in process of foreclosure		40				40		700
Sale of Mortgage Loans [Abstract]
Proceeds from sale of loans						2,395	$ 50,516
Gain on sale of loans		20,205		$ 5,677		46,687	13,590
Transfer of loan to held for sale						0	$ 36,622
Fixed Rate Residential Mortgage and Adjustable Rate Residential Mortgage [Member]
Sale of Mortgage Loans [Abstract]
Proceeds from sale of loans				9,900
Gain on sale of loans				70
Residential Fixed Rate Mortgage Loans [Member] | Freddie Mac [Member]
Sale of Mortgage Loans [Abstract]
Proceeds from sale of loans			$ 26,300
Gain on sale of loans			720	1,000
Mortgage [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	[1]	136,733				136,733		141,630
750-799	[1]	433,890				433,890		474,044
700-749	[1]	272,014				272,014		281,835
650-699	[1]	111,834				111,834		119,052
600-649	[1]	39,423				39,423		47,236
550-599	[1]	20,363				20,363		17,061
500-549	[1]	11,305				11,305		13,499
Under 500	[1]	2,871				2,871		3,972
Unknown	[1]	0				0		4,737
Total	[1]	1,028,433				1,028,433		1,103,066
Accrued interest included in total	[1]	4,397				4,397		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			$ 70
Transfer of loan to held for sale				$ 36,600
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]	49,057				49,057		48,486
750-799	[1]	219,844				219,844		198,491
700-749	[1]	110,981				110,981		106,609
650-699	[1]	41,101				41,101		31,553
600-649	[1]	12,387				12,387		13,230
550-599	[1]	3,477				3,477		514
500-549	[1]	2,391				2,391		1,519
Under 500	[1]	0				0		641
Unknown	[1]	0				0		510
Total	[1]	439,238				439,238		401,553
Accrued interest included in total	[1]	1,288				1,288		1,139
Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	[1]	35,243				35,243		43,848
750-799	[1]	64,957				64,957		111,521
700-749	[1]	74,914				74,914		95,064
650-699	[1]	36,963				36,963		51,174
600-649	[1]	17,032				17,032		21,938
550-599	[1]	12,270				12,270		12,308
500-549	[1]	6,062				6,062		7,940
Under 500	[1]	1,680				1,680		2,208
Unknown	[1]	0				0		1,259
Total	[1]	249,121				249,121		347,260
Accrued interest included in total	[1]	1,891				1,891		1,662
Mortgage [Member] | 1-4 Non-owner Occupied [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	[1]	28,557				28,557		24,315
750-799	[1]	78,503				78,503		84,656
700-749	[1]	48,228				48,228		34,839
650-699	[1]	14,511				14,511		13,995
600-649	[1]	4,986				4,986		5,897
550-599	[1]	1,908				1,908		1,863
500-549	[1]	1,475				1,475		1,870
Under 500	[1]	696				696		533
Unknown	[1]	0				0		1,569
Total	[1]	178,864				178,864		169,537
Accrued interest included in total	[1]	590				590		586
Mortgage [Member] | 1-4 Family - 2nd Lien [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	[1]	13,443				13,443		13,905
750-799	[1]	42,292				42,292		50,012
700-749	[1]	26,334				26,334		30,697
650-699	[1]	11,982				11,982		14,267
600-649	[1]	2,954				2,954		4,097
550-599	[1]	2,214				2,214		1,703
500-549	[1]	1,134				1,134		1,281
Under 500	[1]	342				342		511
Unknown	[1]	0				0		69
Total	[1]	100,695				100,695		116,542
Accrued interest included in total	[1]	363				363		502
Mortgage [Member] | Resort Lending [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	[1]	10,433				10,433		11,076
750-799	[1]	28,294				28,294		29,364
700-749	[1]	11,557				11,557		14,626
650-699	[1]	7,277				7,277		8,063
600-649	[1]	2,064				2,064		2,074
550-599	[1]	494				494		673
500-549	[1]	243				243		889
Under 500	[1]	153				153		79
Unknown	[1]	0				0		1,330
Total	[1]	60,515				60,515		68,174
Accrued interest included in total	[1]	265				265		266
Installment [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	[1]	70,936				70,936		60,122
750-799	[1]	255,790				255,790		244,127
700-749	[1]	99,798				99,798		99,749
650-699	[1]	41,614				41,614		41,269
600-649	[1]	7,495				7,495		8,135
550-599	[1]	2,475				2,475		3,422
500-549	[1]	1,462				1,462		1,968
Under 500	[1]	555				555		615
Unknown	[1]	703				703		1,204
Total	[1]	480,828				480,828		460,611
Accrued interest included in total	[1]	1,175				1,175		1,194
Installment [Member] | Boat Lending [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	[1]	33,385				33,385		28,041
750-799	[1]	124,751				124,751		118,380
700-749	[1]	38,729				38,729		41,490
650-699	[1]	11,557				11,557		11,485
600-649	[1]	2,089				2,089		2,254
550-599	[1]	632				632		946
500-549	[1]	242				242		377
Under 500	[1]	351				351		309
Unknown	[1]	0				0		0
Total	[1]	211,736				211,736		203,282
Accrued interest included in total	[1]	471				471		490
Installment [Member] | Recreational Vehicle Lending [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	[1]	29,085				29,085		24,470
750-799	[1]	94,666				94,666		88,164
700-749	[1]	34,236				34,236		31,055
650-699	[1]	8,059				8,059		7,267
600-649	[1]	1,668				1,668		1,411
550-599	[1]	449				449		592
500-549	[1]	465				465		464
Under 500	[1]	24				24		22
Unknown	[1]	0				0		0
Total	[1]	168,652				168,652		153,445
Accrued interest included in total	[1]	381				381		378
Installment [Member] | Other [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	[1]	8,466				8,466		7,611
750-799	[1]	36,373				36,373		37,583
700-749	[1]	26,833				26,833		27,204
650-699	[1]	21,998				21,998		22,517
600-649	[1]	3,738				3,738		4,470
550-599	[1]	1,394				1,394		1,884
500-549	[1]	755				755		1,127
Under 500	[1]	180				180		284
Unknown	[1]	703				703		1,204
Total	[1]	100,440				100,440		103,884
Accrued interest included in total	[1]	$ 323				$ 323		$ 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		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019
Carrying amount of loans that meet the criteria of ASC 310-30 treatment [Abstract]
Total carrying amount	$ 1,609		$ 1,609		$ 2,285
Allowance for loan losses	0		0		0
Carrying amount, net of allowance for loan losses	1,609		1,609		2,285
Accretable yield of PCI loans, or income expected to be collected [Roll Forward]
Balance at beginning of period	573	$ 749	640	$ 462
New loans purchased	0	0	0	0
Accretion recorded as loan interest income	(156)	(56)	(223)	(134)
Reclassification from (to) nonaccretable difference	0	0	0	365
Disposals/other adjustments	0	0	0	0
Balance at end of period	417	$ 693	417	$ 693
Commercial [Member]
Carrying amount of loans that meet the criteria of ASC 310-30 treatment [Abstract]
Total carrying amount	906		906		1,394
Mortgage [Member]
Carrying amount of loans that meet the criteria of ASC 310-30 treatment [Abstract]
Total carrying amount	560		560		575
Installment [Member]
Carrying amount of loans that meet the criteria of ASC 310-30 treatment [Abstract]
Total carrying amount	$ 143		$ 143		$ 316

Shareholders' Equity and Earn_3

Shareholders' Equity and Earnings Per Common Share, Shareholders' Equity (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 17, 2019
Share Repurchase Plan [Abstract]
Stock repurchased (in shares)	0	25,000	678,929	1,204,688
Stock repurchased	$ 0	$ 502	$ 13,784	$ 26,284
Common Stock [Member]
Share Repurchase Plan [Abstract]
Number of shares authorized for repurchase (in shares)					1,120,000
Stock repurchased (in shares)			678,929	1,204,688
Stock repurchased	$ 0	$ 502	$ 13,784	$ 26,284

Shareholders' Equity and Earn_4

Shareholders' Equity and Earnings Per Common Share, Earings Per Share Reconciliation (Details) - USD ($) $ / shares in Units, $ in Thousands		3 Months Ended		9 Months Ended
		Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Earnings Per Share Reconciliation [Abstract]
Net income		$ 19,584	$ 12,445	$ 39,166	$ 32,556
Weighted average shares outstanding (in shares)	[1]	21,881,000	22,486,000	22,014,000	23,033,000
Stock units for deferred compensation plan for non-employee directors (in shares)		117,000	132,000	119,000	131,000
Effect of stock options (in shares)		85,000	110,000	90,000	116,000
Performance share units (in shares)		32,000	42,000	33,000	39,000
Weighted average shares outstanding for calculation of diluted earnings per share (in shares)		22,115,000	22,770,000	22,256,000	23,319,000
Net income per common share [Abstract]
Basic (in dollars per share)	[1]	$ 0.90	$ 0.55	$ 1.78	$ 1.41
Diluted (in dollars per share)		$ 0.89	$ 0.55	$ 1.76	$ 1.40
Stock Options [Member]
Antidilutive Securities [Abstract]
Antidilutive shares excluded from computation of diluted loss per share (in shares)		0	0	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		9 Months Ended	12 Months Ended
	Sep. 30, 2020	Mar. 31, 2020	Sep. 30, 2020	Dec. 31, 2019
Derivative financial instrument according to type of hedge [Abstract]
Unrealized losses on cash flow hedges, net of tax			$ (1,100)
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives	$ 19,202		19,202	$ 5,464
Liability Derivatives	12,690		12,690	4,402
Interest-Rate Cap Agreements [Member]
Derivative financial instrument according to type of hedge [Abstract]
Unrealized loss on derivative instrument to be reclassified into earnings	(500)	$ (2,000)
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		0	214
Liability Derivatives	860		860	416
No Hedge Designation [Member]
Derivative financial instrument according to type of hedge [Abstract]
Notional Amount	899,924		$ 899,924	$ 458,279
Average Maturity			1 year 10 months 24 days	3 years 8 months 12 days
Fair Value	7,372		$ 7,372	$ 1,264
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives	19,202		19,202	5,250
Liability Derivatives	11,830		11,830	3,986
No Hedge Designation [Member] | Rate-Lock Mortgage Loan Commitments [Member]
Derivative financial instrument according to type of hedge [Abstract]
Notional Amount	196,646		$ 196,646	$ 49,268
Average Maturity			1 month 6 days	1 month 6 days
Fair Value	8,356		$ 8,356	$ 1,412
No Hedge Designation [Member] | Mandatory Commitments to Sell Mortgage Loans [Member]
Derivative financial instrument according to type of hedge [Abstract]
Notional Amount	232,948		$ 232,948	$ 95,363
Average Maturity			1 month 6 days	1 month 6 days
Fair Value	(580)		$ (580)	$ (150)
No Hedge Designation [Member] | Interest-Rate Cap Agreements [Member]
Derivative financial instrument according to type of hedge [Abstract]
Notional Amount	150,000		$ 150,000
Average Maturity			1 year 9 months 18 days
Fair Value	5		$ 5
No Hedge Designation [Member] | Purchased Options [Member]
Derivative financial instrument according to type of hedge [Abstract]
Notional Amount	2,908		$ 2,908	$ 2,908
Average Maturity			9 months 18 days	1 year 6 months
Fair Value	30		$ 30	$ 141
No Hedge Designation [Member] | Written Options [Member]
Derivative financial instrument according to type of hedge [Abstract]
Notional Amount	2,848		$ 2,848	$ 2,848
Average Maturity			9 months 18 days	1 year 6 months
Fair Value	(30)		$ (30)	$ (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	$ 7,117
Average Maturity			8 years 7 months 6 days	9 years 4 months 24 days
Fair Value	(860)		$ (860)	$ (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
Average Maturity				1 year 7 months 6 days
Fair Value				$ (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	144,787		$ 144,787	$ 153,946
Average Maturity			4 years 8 months 12 days	5 years 6 months
Fair Value	(10,811)		$ (10,811)	$ (3,641)
Fixed Income Interest Rate [Member] | No Hedge Designation [Member] | Interest Rate Swap [Member]
Derivative financial instrument according to type of hedge [Abstract]
Notional Amount	25,000		$ 25,000
Average Maturity			9 months 18 days
Fair Value	(409)		$ (409)
Variable Income Interest Rate [Member] | No Hedge Designation [Member] | Interest Rate Swap [Member]
Derivative financial instrument according to type of hedge [Abstract]
Notional Amount	144,787		$ 144,787	$ 153,946
Average Maturity			4 years 8 months 12 days	5 years 6 months
Fair Value	10,811		$ 10,811	$ 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		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	8,356		8,356	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	0
Other Assets [Member] | No Hedge Designation [Member] | Interest-Rate Cap Agreements [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives	5		5	0
Other Assets [Member] | No Hedge Designation [Member] | Purchased Options [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives	30		30	141
Other Assets [Member] | No Hedge Designation [Member] | Written Options [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives	0		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	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		0	28
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		0	0
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	10,811		10,811	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	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	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	580		580	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	0
Other Liabilities [Member] | No Hedge Designation [Member] | Purchased Options [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Liability Derivatives	0		0	0
Other Liabilities [Member] | No Hedge Designation [Member] | Written Options [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Liability Derivatives	30		30	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	860		860	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	10,811		10,811	3,669
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	409		409	0
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		$ 0	$ 28

Derivative Financial Instrume_4

Derivative Financial Instruments, Effect on Statement of Operations (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Other Comprehensive Income (Effective Portion)	$ (26)	$ (72)	$ (354)	$ (1,740)
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	6	(188)	(618)	(391)
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 (Effective Portion)	(26)	(72)	(354)	(1,740)
Gain (Loss) Reclassified from Accumulated Other Comprehensive Income (Loss) into Income (Effective Portion)	(310)	102	(646)	393
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 (Effective Portion)	0	(37)	126	(1,311)
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 Income (Loss) into Income (Effective Portion)	(180)	88	(413)	321
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 (Effective Portion)	(26)	(35)	(480)	(429)
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 Income (Loss) into Income (Effective Portion)	(130)	14	(233)	72
No Hedge Designation [Member]
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income	1,251	211	6,573	1,721
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	(14)	0	(56)	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	1,096	(96)	6,944	1,364
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	52	307	(430)	356
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	(10)	(46)	(111)	9
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	10	46	109	(8)
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	688	(1,670)	(7,170)	(5,254)
No 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) Recognized in Income	117	0	117	0
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	$ (688)	$ 1,670	$ 7,170	$ 5,254

Goodwill and Other Intangible_2

Goodwill and Other Intangibles (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Sep. 30, 2020
Amortized intangible assets - core deposits [Abstract]
Gross Carrying Amount	$ 11,916	$ 11,916
Accumulated Amortization	6,590	7,355
Unamortized intangible assets - goodwill [Abstract]
Gross Carrying Amount	28,300	28,300
Goodwill impairment	$ 0
Summary of estimated core deposit intangible amortization [Abstract]
Three months ending December 31, 2020		255
2021		970
2022		785
2023		547
2024		516
2025 and thereafter		1,488
Total		$ 4,561

Share Based Compensation (Detai

Share Based Compensation (Details) - USD ($) $ in Thousands	3 Months Ended			9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Mar. 31, 2019	Sep. 30, 2020	Sep. 30, 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%			90.00%
Total compensation cost not yet recognized	$ 2,100			$ 2,100
Total compensation cost not yet recognized, period for recognition				1 year 9 months 18 days
Long-Term Incentive Plan [Member]
Share Based Compensation [Abstract]
Total compensation expense recognized	400	$ 400		$ 1,200	$ 1,200
Tax benefit relating to compensation expense recognized	$ 100	$ 100		$ 300	$ 200
Restricted Stock [Member] | Long-Term Incentive Plan [Member]
Share Based Compensation [Abstract]
Restricted stock and Performance stock units granted (in shares)	3,000	8,000		55,996	64,267
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)		8,000	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)	0	0		20,897	22,016
Performance Stock Units [Member] | Long-Term Incentive Plan [Member] | Cliff Vest After Three Years [Member]
Share Based Compensation [Abstract]
Vesting period				3 years	3 years
Performance feature comparison 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	$ 60		$ 260	$ 180
Tax benefit relating to compensation expense recognized	$ 20	$ 10		$ 50	$ 40
Directors [Member]
Share Based Compensation [Abstract]
Shares issues as retainer fees (in shares)				16,000	8,000

Share Based Compensation, Outst

Share Based Compensation, Outstanding Stock Option Grants and Related Transactions (Details) - Stock Options [Member] $ / shares in Units, $ in Thousands	9 Months Ended
	Sep. 30, 2020USD ($)$ / sharesshares
Number of Shares [Roll Forward]
Outstanding, beginning balance (in shares)	138,506
Granted (in shares)	0
Exercised (in shares)	(13,117)
Forfeited (in shares)	0
Expired (in shares)	0
Outstanding, ending balance (in shares)	125,389
Vested and expected to vest, period end (in shares)	125,389
Exercisable, period end (in shares)	125,389
Average Exercise Price [Roll Forward]
Outstanding, beginning balance (in dollars per share) | $ / shares	$ 4.62
Exercised (in dollars per share) | $ / shares	3.50
Outstanding, ending balance (in dollars per share) | $ / shares	4.73
Vested and expected to vest, period end (in dollars per share) | $ / shares	4.73
Exercisable, period end (in dollars per share) | $ / shares	$ 4.73
Weighted-Average Remaining Contractual Term (Years) [Abstract]
Outstanding, weighted average remaining contractual term	2 years 3 months 18 days
Vested and expected to vest, weighted-average remaining contractual term	2 years 3 months 18 days
Exercisable, weighted average remaining contractual term	2 years 3 months 18 days
Aggregate Intrinsic Value [Abstract]
Outstanding, aggregate intrinsic value | $	$ 993
Vested and expected to vest, aggregate intrinsic value | $	993
Exercisable, aggregate intrinsic value | $	$ 993

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]	9 Months Ended
	Sep. 30, 2020$ / sharesshares
Number of Shares [Roll Forward]
Outstanding, beginning balance (in shares) | shares	245,726
Granted (in shares) | shares	76,893
Vested (in shares) | shares	(77,092)
Forfeited (in shares) | shares	(20,869)
Outstanding, ending balance (in shares) | shares	224,658
Weighted Average Grant Date Fair Value [Roll Forward]
Outstanding, beginning balance (in dollars per share) | $ / shares	$ 21.72
Granted (in dollars per share) | $ / shares	22.46
Vested (in dollars per share) | $ / shares	20.61
Forfeited (in dollars per share) | $ / shares	22.64
Outstanding, ending balance (in dollars per share) | $ / shares	$ 22.26

Share Based Compensation, Optio

Share Based Compensation, Options Exercised During the Periods (Details) - Stock Options [Member] - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Information regarding options exercised [Abstract]
Intrinsic value	$ 11	$ 32	$ 224	$ 868
Cash proceeds received	4	6	46	701
Tax benefit realized	$ 2	$ 6	$ 47	$ 182

Income Tax (Details)

Income Tax (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019
Income Tax [Abstract]
Income tax expense	$ 4,777	$ 3,125	$ 9,245	$ 7,979
Decrease in income tax expense	10	$ (10)	(190)	$ (180)
Gross unrecognized tax benefits	$ 400		$ 400		$ 400

Regulatory Matters (Details)

Regulatory Matters (Details) $ in Thousands		Sep. 30, 2020USD ($)	Jun. 30, 2020USD ($)	Dec. 31, 2019USD ($)	Sep. 30, 2019USD ($)	Jun. 30, 2019USD ($)	Dec. 31, 2018USD ($)
Regulatory Matters [Abstract]
Undivided profits		$ 68,300
Tier 1 capital to average assets [Abstract]
Capital conservation buffer		0.0250		0.0250
Components of regulatory capital [Abstract]
Total shareholders' equity		$ 373,092	$ 355,123	$ 350,169	$ 340,245	$ 330,846	$ 338,994
Add (deduct) [Abstract]
Accumulated other comprehensive income for regulatory purposes		6,146		(3,786)
Subordinated debt		39,261		0
Consolidated [Member]
Total capital to risk-weighted assets [Abstract]
Total risk-based capital	[1]	$ 441,969		$ 380,454
Actual, Ratio	[1]	0.1562		0.1374
Minimum for Adequately Capitalized Institutions, Amount	[1]	$ 226,378		$ 221,562
Minimum for Adequately Capitalized Institutions, Ratio	[1]	0.0800		0.0800
Tier 1 capital to risk-weighted assets [Abstract]
Actual, Amount	[1]	$ 366,571		$ 352,764
Actual, Ratio	[1]	0.1295		0.1274
Minimum for Adequately Capitalized Institutions, Amount	[1]	$ 169,783		$ 166,171
Minimum for Adequately Capitalized Institutions, Ratio	[1]	0.0600		0.0600
Common equity tier 1 capital to risk-weighted assets [Abstract]
Actual, Amount	[1]	$ 328,288		$ 314,532
Actual, Ratio	[1]	0.1160		0.1136
Minimum for Adequately Capitalized Institutions, Amount	[1]	$ 127,338		$ 124,628
Minimum for Adequately Capitalized Institutions, Ratio	[1]	0.0450		0.0450
Tier 1 capital to average assets [Abstract]
Tier 1 capital	[1]	$ 366,571		$ 352,764
Actual, Ratio	[1]	0.0905		0.1011
Minimum for Adequately Capitalized Institutions, Amount	[1]	$ 162,103		$ 139,632
Minimum for Adequately Capitalized Institutions, Ratio	[1]	0.0400		0.0400
Components of regulatory capital [Abstract]
Total shareholders' equity		$ 373,092		$ 350,169
Add (deduct) [Abstract]
Accumulated other comprehensive income for regulatory purposes		(11,943)		(2,011)
Goodwill and other intangibles		(32,861)		(33,626)
Common equity tier 1 capital	[1]	328,288		314,532
Qualifying trust preferred securities		38,283		38,232
Tier 1 capital	[1]	366,571		352,764
Subordinated debt		40,000		0
Allowance for loan losses and allowance for unfunded lending commitments limited to 1.25% of total risk-weighted assets		35,398		27,690
Total risk-based capital	[1]	441,969		380,454
Independent Bank [Member]
Total capital to risk-weighted assets [Abstract]
Total risk-based capital	[1]	$ 391,033		$ 358,914
Actual, Ratio	[1]	0.1382		0.1296
Minimum for Adequately Capitalized Institutions, Amount	[1]	$ 226,310		$ 221,482
Minimum for Adequately Capitalized Institutions, Ratio	[1]	0.0800		0.0800
Minimum for Well-Capitalized Institutions, Amount	[1]	$ 282,888		$ 276,852
Minimum for Well-Capitalized Institutions, Ratio	[1]	0.1000		0.1000
Tier 1 capital to risk-weighted assets [Abstract]
Actual, Amount	[1]	$ 355,645		$ 331,224
Actual, Ratio	[1]	0.1257		0.1196
Minimum for Adequately Capitalized Institutions, Amount	[1]	$ 169,733		$ 166,111
Minimum for Adequately Capitalized Institutions, Ratio	[1]	0.0600		0.0600
Minimum for Well-Capitalized Institutions, Amount	[1]	$ 226,310		$ 221,482
Minimum for Well-Capitalized Institutions, Ratio	[1]	0.0800		0.0800
Common equity tier 1 capital to risk-weighted assets [Abstract]
Actual, Amount	[1]	$ 355,645		$ 331,224
Actual, Ratio	[1]	0.1257		0.1196
Minimum for Adequately Capitalized Institutions, Amount	[1]	$ 127,299		$ 124,583
Minimum for Adequately Capitalized Institutions, Ratio	[1]	0.0450		0.0450
Minimum for Well-Capitalized Institutions, Amount	[1]	$ 183,877		$ 179,954
Minimum for Well-Capitalized Institutions, Ratio	[1]	0.0650		0.0650
Tier 1 capital to average assets [Abstract]
Tier 1 capital	[1]	$ 355,645		$ 331,224
Actual, Ratio	[1]	0.0878		0.0949
Minimum for Adequately Capitalized Institutions, Amount	[1]	$ 162,020		$ 139,615
Minimum for Adequately Capitalized Institutions, Ratio	[1]	0.0400		0.0400
Minimum for Well-Capitalized Institutions, Amount	[1]	$ 202,525		$ 174,519
Minimum for Well-Capitalized Institutions, Ratio	[1]	0.0500		0.0500
Components of regulatory capital [Abstract]
Total shareholders' equity		$ 400,449		$ 366,861
Add (deduct) [Abstract]
Accumulated other comprehensive income for regulatory purposes		(11,943)		(2,011)
Goodwill and other intangibles		(32,861)		(33,626)
Common equity tier 1 capital	[1]	355,645		331,224
Qualifying trust preferred securities		0		0
Tier 1 capital	[1]	355,645		331,224
Subordinated debt		0		0
Allowance for loan losses and allowance for unfunded lending commitments limited to 1.25% of total risk-weighted assets		35,388		27,690
Total risk-based capital	[1]	$ 391,033		$ 358,914
[1]	These ratios do not reflect a capital conservation buffer of 2.50% at September 30, 2020 and December 31, 2019.

Fair Value Disclosures, Signifi

Fair Value Disclosures, Significant Assumptions (Details) - USD ($) $ in Thousands		Sep. 30, 2020	Dec. 31, 2019
Assets [Abstract]
Securities available for sale		$ 985,050	$ 518,400
Loans held for sale, carried at fair value		99,747	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		985,050	518,400
Derivatives		19,202	5,464
Liabilities [Abstract]
Derivatives		12,690	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		99,747	69,800
Capitalized mortgage loan servicing rights		15,403	19,171
Derivatives	[1]	19,202	5,464
Liabilities [Abstract]
Derivatives	[2]	12,690	4,402
Recurring Basis [Member] | U.S. Agency [Member]
Assets [Abstract]
Securities available for sale		11,130	14,661
Recurring Basis [Member] | U.S. Agency Residential Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		335,560	227,762
Recurring Basis [Member] | U.S. Agency Commercial Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		8,421	10,756
Recurring Basis [Member] | Private Label Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		44,285	39,693
Recurring Basis [Member] | Other Asset Backed [Member]
Assets [Abstract]
Securities available for sale		263,371	93,886
Recurring Basis [Member] | Obligations of States and Political Subdivisions [Member]
Assets [Abstract]
Securities available for sale		244,978	96,102
Recurring Basis [Member] | Corporate [Member]
Assets [Abstract]
Securities available for sale		75,017	33,195
Recurring Basis [Member] | Trust Preferred [Member]
Assets [Abstract]
Securities available for sale		1,770	1,843
Recurring Basis [Member] | Foreign Government [Member]
Assets [Abstract]
Securities available for sale		518	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		99,747	69,800
Capitalized mortgage loan servicing rights		0	0
Derivatives	[1]	19,202	5,464
Liabilities [Abstract]
Derivatives	[2]	12,690	4,402
Recurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | U.S. Agency [Member]
Assets [Abstract]
Securities available for sale		11,130	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		335,560	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		8,421	10,756
Recurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Private Label Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		44,285	39,693
Recurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Other Asset Backed [Member]
Assets [Abstract]
Securities available for sale		263,371	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		244,978	96,102
Recurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Corporate [Member]
Assets [Abstract]
Securities available for sale		75,017	33,195
Recurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Trust Preferred [Member]
Assets [Abstract]
Securities available for sale		1,770	1,843
Recurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Foreign Government [Member]
Assets [Abstract]
Securities available for sale		518	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		15,403	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]	1,591	655
Nonrecurring Basis [Member] | Impaired Loans [Member] | Commercial [Member] | Commercial Real Estate [Member]
Impaired loans [Abstract]
Loans receivable	[3]	7,098	316
Nonrecurring Basis [Member] | Impaired Loans [Member] | Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member]
Impaired loans [Abstract]
Loans receivable	[3]	500	987
Nonrecurring Basis [Member] | Impaired Loans [Member] | Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member]
Impaired loans [Abstract]
Loans receivable	[3]	284	470
Nonrecurring Basis [Member] | Impaired Loans [Member] | Mortgage [Member] | 1-4 Family Non-owner Occupied [Member]
Impaired loans [Abstract]
Loans receivable	[3]	58	281
Nonrecurring Basis [Member] | Impaired Loans [Member] | Mortgage [Member] | 1-4 Family - 2nd Lien [Member]
Impaired loans [Abstract]
Loans receivable	[3]	200	294
Nonrecurring Basis [Member] | Impaired Loans [Member] | Mortgage [Member] | Resort Lending [Member]
Impaired loans [Abstract]
Loans receivable	[3]	77	245
Nonrecurring Basis [Member] | Impaired Loans [Member] | Installment [Member] | Boat Lending [Member]
Impaired loans [Abstract]
Loans receivable	[3]	90	67
Nonrecurring Basis [Member] | Impaired Loans [Member] | Installment [Member] | Recreational Vehicle Lending [Member]
Impaired loans [Abstract]
Loans receivable	[3]	38	2
Nonrecurring Basis [Member] | Impaired Loans [Member] | Installment [Member] | Other [Member]
Impaired loans [Abstract]
Loans receivable	[3]	139	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	[5]		31
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	[5]		0
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	[5]		0
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]	1,591	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]	7,098	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]	500	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]	284	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]	58	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]	200	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]	77	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]	90	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]	38	2
Nonrecurring Basis [Member] | Significant Un-observable Inputs (Level 3) [Member] | Impaired Loans [Member] | Installment [Member] | Other [Member]
Impaired loans [Abstract]
Loans receivable	[3]	139	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	[5]		31
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 executed during the third quarter of 2020 that closed during the fourth 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		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019
Changes in fair value for financial assets [Abstract]
Equity Securities at fair value, net gains				$ 167
Loans held for sale, net gains			$ 2,081	822
Capitalized mortgage loan servicing rights, net gains (losses)			(14,028)	(9,258)
Impairment charges recognized [Abstract]
Collateral dependent loans, carrying amount	$ 10,100		10,100		$ 3,400
Collateral dependent loans, valuation allowance	2,300		2,300		1,500
Additional provision for loan losses on impaired loans	200	$ 500	1,100	800
Other real estate, carrying amount	470		470		60
Other real estate, valuation allowance	150		150		$ 90
Other real estate, additional charge	$ 0	$ 70	90	80
Securities [Member]
Changes in fair value for financial assets [Abstract]
Equity Securities at fair value, net gains				167
Mortgage Loans [Member]
Changes in fair value for financial assets [Abstract]
Loans held for sale, net gains			2,081	822
Mortgage Loan Servicing, Net [Member]
Changes in fair value for financial assets [Abstract]
Capitalized mortgage loan servicing rights, net gains (losses)			$ (14,028)	$ (9,258)

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		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 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	$ 13,773	$ 17,894	$ 19,171	$ 21,400
Total gains (losses) realized and unrealized [Abstract]
Included in results of operations	(2,387)	(3,145)	(14,028)	(9,258)
Included in other comprehensive income	0	0	0	0
Purchases, issuances, settlements, maturities and calls	4,017	2,157	10,260	4,764
Transfers in and/or out of Level 3	0	0	0	0
Ending balance	15,403	16,906	15,403	16,906
Amount of total losses for the period included in earnings attributable to the change in unrealized gains (losses) relating to assets and liabilities still held at September 30	$ (2,387)	$ (3,145)	$ (14,028)	$ (9,258)

Fair Value Disclosures, Quantit

Fair Value Disclosures, Quantitative Information About Level 3 (Details)		9 Months Ended		12 Months Ended
		Sep. 30, 2020USD ($)		Dec. 31, 2019USD ($)
Installment [Member]
Ranges and Weighted Average [Abstract]
Total Impaired collateral value		$ 270,000		$ 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		$ 15,403,000		$ 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		0.0035		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		58		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		0.0734		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		215		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		0.4016		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		79		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		0.1010		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		0.0035		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		0.2201		0.1496
Nonrecurring Basis [Member] | Impaired Loans Commercial [Member] | Significant Un-observable Inputs (Level 3) [Member]
Asset Fair Value [Abstract]
Impaired loans fair value		$ 8,689,000		$ 971,000
Nonrecurring Basis [Member] | Impaired Loans Commercial [Member] | Income Approach [Member] | Significant Un-observable Inputs (Level 3) [Member] | Capitalization Rate [Member]
Ranges and Weighted Average [Abstract]
Impaired loans measurement input		0.095
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		(0.400)		(0.480)
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		0.750		0.192
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		0.045		(0.056)
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		0.095
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]	$ 1,386,000		$ 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		(0.120)	[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		1.046	[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		0.040	[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				$ 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				(0.116)
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				0.050
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				(0.051)
[1]	In addition to the valuation techniques and unobservable inputs discussed above, at September 30, 2020 and December 31, 2019 certain impaired collateral dependent installment loans totaling approximately $0.27 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	Sep. 30, 2020	Dec. 31, 2019
Loans held for sale [Abstract]
Aggregate Fair Value	$ 99,747	$ 69,800
Difference	3,975	1,894
Contractual Principal	$ 95,772	$ 67,906

Fair Values of Financial Inst_3

Fair Values of Financial Instruments (Details) - USD ($) $ in Thousands		Sep. 30, 2020	Dec. 31, 2019
Assets [Abstract]
Interest bearing deposits - time		$ 0	$ 350
Securities available for sale		985,050	518,400
Federal Home Loan Bank and Federal Reserve Bank Stock		18,427	18,359
Liabilities [Abstract]
Other borrowings		30,005	88,646
Subordinated debt		39,261	0
Subordinated debentures		39,507	39,456
Reciprocal deposits included in deposits with no stated maturity		521,106	388,369
Reciprocal deposits included in deposits with stated maturity		36,445	42,658
Recorded Book Balance [Member]
Assets [Abstract]
Cash and due from banks		42,435	53,295
Interest bearing deposits		4,121	12,009
Interest bearing deposits - time			350
Securities available for sale		985,050	518,400
Federal Home Loan Bank and Federal Reserve Bank Stock		18,427	18,359
Net loans and loans held for sale		2,919,455	2,768,675
Accrued interest receivable		12,402	10,108
Derivative financial instruments		19,202	5,464
Liabilities [Abstract]
Deposits with no stated maturity	[1]	3,105,019	2,427,190
Deposits with stated maturity	[1]	492,726	609,537
Other borrowings		30,005	88,646
Subordinated debt		39,261
Subordinated debentures		39,507	39,456
Accrued interest payable		1,408	1,296
Derivative financial instruments		12,690	4,402
Fair Value [Member]
Assets [Abstract]
Cash and due from banks		42,435	53,295
Interest bearing deposits		4,121	12,009
Interest bearing deposits - time			350
Securities available for sale		985,050	518,400
Net loans and loans held for sale		2,915,489	2,768,817
Accrued interest receivable		12,402	10,108
Derivative financial instruments		19,202	5,464
Liabilities [Abstract]
Deposits with no stated maturity		3,105,019	2,427,190
Deposits with stated maturity		495,694	610,235
Other borrowings		31,477	88,680
Subordinated debt		40,999
Subordinated debentures		28,941	33,149
Accrued interest payable		1,408	1,296
Derivative financial instruments		12,690	4,402
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets [Abstract]
Cash and due from banks		42,435	53,295
Interest bearing deposits		4,121	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		1	8
Derivative financial instruments		0	0
Liabilities [Abstract]
Deposits with no stated maturity		3,105,019	2,427,190
Deposits with stated maturity		0	0
Other borrowings		0	0
Subordinated debt		0
Subordinated debentures		0	0
Accrued interest payable		62	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		985,050	518,400
Net loans and loans held for sale		99,747	69,800
Accrued interest receivable		3,409	1,752
Derivative financial instruments		19,202	5,464
Liabilities [Abstract]
Deposits with no stated maturity		0	0
Deposits with stated maturity		495,694	610,235
Other borrowings		31,477	88,680
Subordinated debt		40,999
Subordinated debentures		28,941	33,149
Accrued interest payable		1,346	1,199
Derivative financial instruments		12,690	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		2,815,742	2,699,017
Accrued interest receivable		8,992	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 debt		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 $521.106 million and $388.369 million at September 30, 2020 and December 31, 2019, respectively. Deposits with a stated maturity include reciprocal deposits with a recorded book balance of $36.445 million and $42.658 million at September 30, 2020 and December 31, 2019, respectively.

Contingencies (Details)

Contingencies (Details) $ / shares in Units, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020USD ($)shares	Sep. 30, 2019USD ($)	Sep. 30, 2020USD ($)shares	Sep. 30, 2019USD ($)	Oct. 28, 2020$ / shares	Dec. 31, 2019USD ($)
COVID-19 [Abstract]
Loss reimbursement on sold loans	$ 50	$ 30	$ 160	$ 180
Loss reimbursement reserve on sold mortgage loans	$ 980		$ 980			$ 880
VISA Class A Common Stock [Member]
Investment Owned [Abstract]
Current conversion ratio			1.6228
Closing price (in dollars per share) | $ / shares					$ 180.87
VISA Class B Common Stock [Member]
Investment Owned [Abstract]
Number of shares owned (in shares) | shares	12,566		12,566
Current value of shares owned	$ 3,700		$ 3,700
Commercial and Industrial [Member] | Retail [Member]
COVID-19 [Abstract]
Loans and leases receivable	99,000		99,000
Commercial and Industrial [Member] | Food Service [Member]
COVID-19 [Abstract]
Loans and leases receivable	59,000		59,000
Commercial and Industrial [Member] | Hotel [Member]
COVID-19 [Abstract]
Loans and leases receivable	45,000		45,000
Commercial Real Estate [Member] | Retail [Member]
COVID-19 [Abstract]
Loans and leases receivable	94,000		94,000
Commercial Real Estate [Member] | Office [Member]
COVID-19 [Abstract]
Loans and leases receivable	53,000		53,000
Commercial Real Estate [Member] | Multifamily [Member]
COVID-19 [Abstract]
Loans and leases receivable	$ 62,000		$ 62,000

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Income (Loss) ("AOCIL"), Summary of Changes (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Changes in AOCIL [Roll Forward]
Balance at beginning of period	$ 355,123	$ 330,846	$ 350,169	$ 338,994
Other comprehensive income (loss) before reclassifications	2,105	1,138	9,622	7,153
Amounts reclassified from AOCIL	245	(80)	310	(418)
Other comprehensive income	2,350	1,058	9,932	6,735
Balances at end of period	373,092	340,245	373,092	340,245
Accumulated Other Comprehensive Loss [Member]
Changes in AOCIL [Roll Forward]
Balance at beginning of period	3,796	(4,431)	(3,786)	(10,108)
Other comprehensive income	2,350	1,058	9,932	6,735
Balances at end of period	6,146	(3,373)	6,146	(3,373)
Unrealized Gains (Losses) on Securities Available For Sale [Member]
Changes in AOCIL [Roll Forward]
Balance at beginning of period	11,315	3,040	3,739	(4,185)
Other comprehensive income (loss) before reclassifications	2,125	1,196	9,901	8,529
Amounts reclassified from AOCIL	0	0	(200)	(108)
Other comprehensive income	2,125	1,196	9,701	8,421
Balances at end of period	13,440	4,236	13,440	4,236
Disproportionate Tax Effects from Securities Available for Sale [Member]
Changes in AOCIL [Roll Forward]
Balance at beginning of period	(5,798)	(5,798)	(5,798)	(5,798)
Other comprehensive income (loss) before reclassifications	0	0	0	0
Amounts reclassified from AOCIL	0	0	0	0
Other comprehensive income	0	0	0	0
Balances at end of period	(5,798)	(5,798)	(5,798)	(5,798)
Unrealized Losses on Cash Flow Hedges [Member]
Changes in AOCIL [Roll Forward]
Balance at beginning of period	(1,721)	(1,673)	(1,727)	(125)
Other comprehensive income (loss) before reclassifications	(20)	(58)	(279)	(1,376)
Amounts reclassified from AOCIL	245	(80)	510	(310)
Other comprehensive income	225	(138)	231	(1,686)
Balances at end of period	$ (1,496)	$ (1,811)	$ (1,496)	$ (1,811)

Accumulated Other Comprehensi_4

Accumulated Other Comprehensive Income (Loss) ("AOCIL"), Reclassification Out of Each Components (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Reclassifications out of AOCIL [Abstract]
Total reclassifications before tax	$ 24,361	$ 15,570	$ 48,411	$ 40,535
Interest expense	(3,068)	(6,939)	(11,748)	(20,149)
Income tax expense	4,777	3,125	9,245	7,979
Reclassifications, net of tax	19,584	12,445	39,166	32,556
Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassifications out of AOCIL [Abstract]
Reclassifications, net of tax	(245)	80	(310)	418
Accumulated Other Comprehensive Loss [Member]
Reclassifications out of AOCIL [Abstract]
Reclassifications, net of tax	0	0	0	0
Unrealized Gains on Securities Available For Sale [Member] | Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassifications out of AOCIL [Abstract]
Net gains on securities available for sale	0	0	253	137
Net impairment loss recognized in earnings	0	0	0	0
Total reclassifications before tax	0	0	253	137
Income tax expense	0	0	53	29
Reclassifications, net of tax	0	0	200	108
Unrealized Losses on Cash Flow Hedges [Member] | Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassifications out of AOCIL [Abstract]
Interest expense	310	(102)	646	(393)
Income tax expense	65	(22)	136	(83)
Reclassifications, net of tax	$ 245	$ (80)	$ 510	$ (310)

Revenue from Contracts with C_3

Revenue from Contracts with Customers (Details) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020USD ($)	Sep. 30, 2019USD ($)	Sep. 30, 2020USD ($)Asset	Sep. 30, 2019USD ($)Asset	Dec. 31, 2019USD ($)
Revenue from Contracts with Customers [Abstract]
Percentage of revenues excluded from ASC Topic 606	87.90%	84.70%	87.90%	84.70%
Contract assets	$ 0		$ 0		$ 0
Contract liabilities	0		$ 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	6,643	$ 6,831	$ 17,931	$ 19,343
Bank owned life insurance	215	301	750	813
Other	592	1,028	1,727	2,773
Total	1,937	2,492	5,698	6,862
Service Charges on Deposit Accounts [Member]
Disaggregation of Revenue Sources by Attributes [Abstract]
Revenue from contracts with customers	2,085	2,883	6,299	8,323
Overdraft Fees [Member] | Retail [Member]
Disaggregation of Revenue Sources by Attributes [Abstract]
Revenue from contracts with customers	1,371	1,970	4,130	5,582
Overdraft Fees [Member] | Business [Member]
Disaggregation of Revenue Sources by Attributes [Abstract]
Revenue from contracts with customers	170	361	668	1,123
Account Service Charges [Member] | Retail [Member]
Disaggregation of Revenue Sources by Attributes [Abstract]
Revenue from contracts with customers	544	552	1,501	1,618
Other Deposit Related Income [Member]
Disaggregation of Revenue Sources by Attributes [Abstract]
Revenue from contracts with customers	600	713	1,743	2,079
ATM Fees [Member] | Retail [Member]
Disaggregation of Revenue Sources by Attributes [Abstract]
Revenue from contracts with customers	320	373	896	1,041
ATM Fees [Member] | Business [Member]
Disaggregation of Revenue Sources by Attributes [Abstract]
Revenue from contracts with customers	7	9	18	26
Other [Member] | Retail [Member]
Disaggregation of Revenue Sources by Attributes [Abstract]
Revenue from contracts with customers	184	240	577	703
Other [Member] | Business [Member]
Disaggregation of Revenue Sources by Attributes [Abstract]
Revenue from contracts with customers	89	91	252	309
Interchange Income [Member]
Disaggregation of Revenue Sources by Attributes [Abstract]
Revenue from contracts with customers	3,428	2,785	8,411	7,744
Investment and Insurance Commissions [Member]
Disaggregation of Revenue Sources by Attributes [Abstract]
Revenue from contracts with customers	530	450	1,478	1,197
Asset Management Revenue [Member]
Disaggregation of Revenue Sources by Attributes [Abstract]
Revenue from contracts with customers	335	292	937	823
Transaction Based Revenue [Member]
Disaggregation of Revenue Sources by Attributes [Abstract]
Revenue from contracts with customers	$ 195	$ 158	$ 541	$ 374

Leases (Details)

Leases (Details) - USD ($) $ in Thousands		3 Months Ended		9 Months Ended
		Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Components of operating leases [Abstract]
Operating lease cost		$ 395	$ 565	$ 1,357	$ 1,692
Variable lease cost		16	43	52	115
Short-term lease cost		10	4	26	14
Total		421	612	1,435	1,821
Supplemental balance sheet information related to operating leases [Abstract]
Lease right of use asset	[1]	$ 6,713	8,282	$ 6,713	8,282
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible List]		us-gaap:OtherAssets		us-gaap:OtherAssets
Lease liabilities	[2]	$ 6,945	$ 8,304	$ 6,945	$ 8,304
Operating Lease, Liability, Statement of Financial Position [Extensible List]		us-gaap:OtherLiabilities		us-gaap:OtherLiabilities
Weighted average remaining lease term (years)		6 years 10 months 2 days	7 years 5 months 19 days	6 years 10 months 2 days	7 years 5 months 19 days
Weighted average discount rate		2.60%	2.80%	2.60%	2.80%
Maturities of lease liabilities [Abstract]
Three months ending December 31, 2020		$ 408		$ 408
2021		1,505		1,505
2022		1,324		1,324
2023		1,101		1,101
2024		692		692
2025 and thereafter		2,576		2,576
Total lease payments		7,606		7,606
Less imputed interest		(661)		(661)
Total	[2]	$ 6,945	$ 8,304	$ 6,945	$ 8,304
[1]	Included in Accrued income and other assets
[2]	Included in Accrued expenses and other liabilities