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LOANS (Tables) | 3 Months Ended
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Mar. 31, 2020
Loans and Leases Receivable Disclosure [Line Items] |
Loans Receivable, Net | The segments of the Company’s loan portfolio are summarized as follows:
(000's omitted) |  | March 31, 2020 |  |  | December 31, 2019 |
Business lending |  | $ | 2,789,130 |  |  | $ | 2,775,876 |
Consumer mortgage |  |  | 2,424,656 |  |  |  | 2,430,902 |
Consumer indirect |  |  | 1,087,879 |  |  |  | 1,113,062 |
Consumer direct |  |  | 177,844 |  |  |  | 184,378 |
Home equity |  |  | 386,583 |  |  |  | 386,325 |
Gross loans, including deferred origination costs |  |  | 6,866,092 |  |  |  | 6,890,543 |
Allowance for credit losses |  |  | (55,652 | ) |  |  | (49,911 | )
Loans, net of allowance for credit losses |  | $ | 6,810,440 |  |  | $ | 6,840,632 |
Aged Analysis of Past Due Loans by Class | The following table presents the aging of the amortized cost basis of the Company’s past due loans, by class as of March 31, 2020:
(000’s omitted) |  | Past Due 30 – 89 Days |  |  | 90+ Days Past Due and Still Accruing |  |  | Nonaccrual |  |  | Total Past Due |  |  | Purchased Credit Deteriorated (“PCD”) (1) |  |  | Current |  |  | Total Loans |
Business lending |  | $ | 13,157 |  |  | $ | 10,111 |  |  | $ | 4,394 |  |  | $ | 27,662 |  |  | $ | 9,781 |  |  | $ | 2,751,687 |  |  | $ | 2,789,130 |
Consumer mortgage |  |  | 15,614 |  |  |  | 1,821 |  |  |  | 12,674 |  |  |  | 30,109 |  |  |  | 0 |  |  |  | 2,394,547 |  |  |  | 2,424,656 |
Consumer indirect |  |  | 11,343 |  |  |  | 418 |  |  |  | 0 |  |  |  | 11,761 |  |  |  | 0 |  |  |  | 1,076,118 |  |  |  | 1,087,879 |
Consumer direct |  |  | 1,197 |  |  |  | 62 |  |  |  | 52 |  |  |  | 1,311 |  |  |  | 0 |  |  |  | 176,533 |  |  |  | 177,844 |
Home equity |  |  | 2,951 |  |  |  | 324 |  |  |  | 1,926 |  |  |  | 5,201 |  |  |  | 0 |  |  |  | 381,382 |  |  |  | 386,583 |
Total |  | $ | 44,262 |  |  | $ | 12,736 |  |  | $ | 19,046 |  |  | $ | 76,044 |  |  | $ | 9,781 |  |  | $ | 6,780,267 |  |  | $ | 6,866,092 |
(1) | PCD loans were not classified as nonperforming assets as the loans are considered to be performing under ASC 326-10. As a result, the noncredit discount, after the adjustment for the allowance for credit losses, is being accreted into interest income on all PCD loans.
The following is an aged analysis of the Company’s past due loans by class as of December 31, 2019: Legacy Loans (excludes loans acquired after January 1, 2009)
(000’s omitted) |  | Past Due 30 – 89 Days |  |  | 90+ Days Past Due and Still Accruing |  |  | Nonaccrual |  |  | Total Past Due |  |  | Current |  |  | Total Loans |
Business lending |  | $ | 3,936 |  |  | $ | 126 |  |  | $ | 3,840 |  |  | $ | 7,902 |  |  | $ | 1,848,683 |  |  | $ | 1,856,585 |
Consumer mortgage |  |  | 10,990 |  |  |  | 2,052 |  |  |  | 10,131 |  |  |  | 23,173 |  |  |  | 1,973,543 |  |  |  | 1,996,716 |
Consumer indirect |  |  | 12,673 |  |  |  | 125 |  |  |  | 0 |  |  |  | 12,798 |  |  |  | 1,094,510 |  |  |  | 1,107,308 |
Consumer direct |  |  | 1,455 |  |  |  | 76 |  |  |  | 0 |  |  |  | 1,531 |  |  |  | 174,445 |  |  |  | 175,976 |
Home equity |  |  | 1,508 |  |  |  | 328 |  |  |  | 1,444 |  |  |  | 3,280 |  |  |  | 310,727 |  |  |  | 314,007 |
Total |  | $ | 30,562 |  |  | $ | 2,707 |  |  | $ | 15,415 |  |  | $ | 48,684 |  |  | $ | 5,401,908 |  |  | $ | 5,450,592 |
Acquired Loans (includes loans acquired after January 1, 2009)
(000’s omitted) |  | Past Due 30 – 89 Days |  |  | 90+ Days Past Due and Still Accruing |  |  | Nonaccrual |  |  | Total Past Due |  |  | Acquired Impaired(1) |  |  | Current |  |  | Total Loans |
Business lending |  | $ | 8,518 |  |  | $ | 2,173 |  |  | $ | 570 |  |  | $ | 11,261 |  |  | $ | 11,797 |  |  | $ | 896,233 |  |  | $ | 919,291 |
Consumer mortgage |  |  | 890 |  |  |  | 277 |  |  |  | 2,386 |  |  |  | 3,553 |  |  |  | 0 |  |  |  | 430,633 |  |  |  | 434,186 |
Consumer indirect |  |  | 79 |  |  |  | 31 |  |  |  | 0 |  |  |  | 110 |  |  |  | 0 |  |  |  | 5,644 |  |  |  | 5,754 |
Consumer direct |  |  | 59 |  |  |  | 0 |  |  |  | 52 |  |  |  | 111 |  |  |  | 0 |  |  |  | 8,291 |  |  |  | 8,402 |
Home equity |  |  | 744 |  |  |  | 238 |  |  |  | 412 |  |  |  | 1,394 |  |  |  | 0 |  |  |  | 70,924 |  |  |  | 72,318 |
Total |  | $ | 10,290 |  |  | $ | 2,719 |  |  | $ | 3,420 |  |  | $ | 16,429 |  |  | $ | 11,797 |  |  | $ | 1,411,725 |  |  | $ | 1,439,951 |
(1) | Acquired impaired loans were not classified as nonperforming assets as the loans are considered to be performing under ASC 310-30. As a result interest income, through the accretion of the difference between the carrying amount of the loans and the expected cashflows, is being recognized on all acquired impaired loans.
Non-Business Impaired Loans | All loan classes are collectively evaluated for impairment except business lending. A summary of individually evaluated impaired business loans as of March 31, 2020 and December 31, 2019 follows:
(000’s omitted) |  | March 31, 2020 |  |  | December 31, 2019 |
Loans with allowance allocation |  | $ | 0 |  |  | $ | 0 |
Loans without allowance allocation |  |  | 1,771 |  |  |  | 1,414 |
Carrying balance |  |  | 1,771 |  |  |  | 1,414 |
Contractual balance |  |  | 3,305 |  |  |  | 2,944 |
Specifically allocated allowance |  |  | 0 |  |  |  | 0 |
Troubled Debt Restructurings on Financing Receivables | Information regarding TDRs as of March 31, 2020 and December 31, 2019 is as follows:
|  | March 31, 2020 |  |  | December 31, 2019 |
(000’s omitted) |  | Nonaccrual |  |  | Accruing |  |  | Total |  |  | Nonaccrual |  |  | Accruing |  |  | Total |
|  |  | # |  |  | Amount |  |  |  | # |  |  | Amount |  |  |  | # |  |  | Amount |  |  |  | # |  |  | Amount |  |  |  | # |  |  | Amount |  |  |  | # |  |  | Amount |
Business lending |  |  | 8 |  |  | $ | 644 |  |  |  | 3 |  |  | $ | 197 |  |  |  | 11 |  |  | $ | 841 |  |  |  | 8 |  |  | $ | 681 |  |  |  | 3 |  |  | $ | 201 |  |  |  | 11 |  |  | $ | 882 |
Consumer mortgage |  |  | 60 |  |  |  | 2,646 |  |  |  | 47 |  |  |  | 2,160 |  |  |  | 107 |  |  |  | 4,806 |  |  |  | 59 |  |  |  | 2,638 |  |  |  | 47 |  |  |  | 1,892 |  |  |  | 106 |  |  |  | 4,530 |
Consumer indirect |  |  | 0 |  |  |  | 0 |  |  |  | 89 |  |  |  | 935 |  |  |  | 89 |  |  |  | 935 |  |  |  | 0 |  |  |  | 0 |  |  |  | 84 |  |  |  | 941 |  |  |  | 84 |  |  |  | 941 |
Consumer direct |  |  | 0 |  |  |  | 0 |  |  |  | 23 |  |  |  | 106 |  |  |  | 23 |  |  |  | 106 |  |  |  | 0 |  |  |  | 0 |  |  |  | 23 |  |  |  | 101 |  |  |  | 23 |  |  |  | 101 |
Home equity |  |  | 13 |  |  |  | 298 |  |  |  | 11 |  |  |  | 233 |  |  |  | 24 |  |  |  | 531 |  |  |  | 13 |  |  |  | 290 |  |  |  | 11 |  |  |  | 238 |  |  |  | 24 |  |  |  | 528 |
Total |  |  | 81 |  |  | $ | 3,588 |  |  |  | 173 |  |  | $ | 3,631 |  |  |  | 254 |  |  | $ | 7,219 |  |  |  | 80 |  |  | $ | 3,609 |  |  |  | 168 |  |  | $ | 3,373 |  |  |  | 248 |  |  | $ | 6,982 |
The following table presents information related to loans modified in a TDR during the three months ended March 31, 2020 and 2019. Of the loans noted in the table below, all consumer mortgage loans for the three months ended March 31, 2020 and 2019 were modified due to a Chapter 7 bankruptcy as described previously. The financial effects of these restructurings were immaterial
|  | Three Months Ended March 31, 2020 |  |  | Three Months Ended March 31, 2019 |
(000’s omitted) |  | Number of loans modified |  |  | Outstanding Balance |  |  | Number of loans modified |  |  | Outstanding Balance |
Business lending |  |  | 0 |  |  | $ | 0 |  |  |  | 0 |  |  | $ | 0 |
Consumer mortgage |  |  | 7 |  |  |  | 617 |  |  |  | 8 |  |  |  | 665 |
Consumer indirect |  |  | 14 |  |  |  | 127 |  |  |  | 11 |  |  |  | 98 |
Consumer direct |  |  | 1 |  |  |  | 12 |  |  |  | 0 |  |  |  | 0 |
Home equity |  |  | 0 |  |  |  | 0 |  |  |  | 1 |  |  |  | 4 |
Total |  |  | 22 |  |  | $ | 756 |  |  |  | 20 |  |  | $ | 767 |
Allowance for Loan Losses by Class | The following presents by segment the activity in the allowance for credit losses:
|  | Three Months Ended March 31, 2020 |
(000’s omitted) |  | Beginning balance, prior to the adoption of ASC 326 |  |  | Impact of ASC 326 |  |  | Beginning balance, after adoption of ASC 326 |  |  | Charge-offs |  |  | Recoveries |  |  | Provision |  |  | Ending balance |
Business lending |  | $ | 19,426 |  |  | $ | 288 |  |  | $ | 19,714 |  |  | $ | (176 | ) |  | $ | 138 |  |  | $ | (187 | ) |  | $ | 19,489 |
Consumer mortgage |  |  | 10,269 |  |  |  | (1,051 | ) |  |  | 9,218 |  |  |  | (186 | ) |  |  | 8 |  |  |  | 3,390 |  |  |  | 12,430 |
Consumer indirect |  |  | 13,712 |  |  |  | (997 | ) |  |  | 12,715 |  |  |  | (2,079 | ) |  |  | 1,163 |  |  |  | 1,895 |  |  |  | 13,694 |
Consumer direct |  |  | 3,255 |  |  |  | (643 | ) |  |  | 2,612 |  |  |  | (533 | ) |  |  | 182 |  |  |  | 1,476 |  |  |  | 3,737 |
Home equity |  |  | 2,129 |  |  |  | 808 |  |  |  | 2,937 |  |  |  | (73 | ) |  |  | 6 |  |  |  | (386 | ) |  |  | 2,484 |
Unallocated |  |  | 957 |  |  |  | 43 |  |  |  | 1,000 |  |  |  | 0 |  |  |  | 0 |  |  |  | (228 | ) |  |  | 772 |
Purchased credit deteriorated |  |  | 0 |  |  |  | 3,072 |  |  |  | 3,072 |  |  |  | 0 |  |  |  | 0 |  |  |  | (26 | ) |  |  | 3,046 |
Purchased credit impaired |  |  | 163 |  |  |  | (163 | ) |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Allowance for credit losses – loans |  |  | 49,911 |  |  |  | 1,357 |  |  |  | 51,268 |  |  |  | (3,047 | ) |  |  | 1,497 |  |  |  | 5,934 |  |  |  | 55,652 |
Liabilities for off-balance-sheet credit exposures |  |  | 0 |  |  |  | 1,185 |  |  |  | 1,185 |  |  |  | 0 |  |  |  | 0 |  |  |  | (340 | ) |  |  | 845 |
Total allowance for credit losses |  | $ | 49,911 |  |  | $ | 2,542 |  |  | $ | 52,453 |  |  | $ | (3,047 | ) |  | $ | 1,497 |  |  | $ | 5,594 |  |  | $ | 56,497 |
|  | Three Months Ended March 31, 2019 |
(000’s omitted) |  | Business Lending |  |  | Consumer Mortgage |  |  | Consumer Indirect |  |  | Consumer Direct |  |  | Home Equity |  |  | Unallocated |  |  | Acquired Impaired |  |  | Total |
Beginning balance |  | $ | 18,522 |  |  | $ | 10,124 |  |  | $ | 14,366 |  |  | $ | 3,095 |  |  | $ | 2,144 |  |  | $ | 1,000 |  |  | $ | 33 |  |  | $ | 49,284 |
Charge-offs |  |  | (1,216 | ) |  |  | (253 | ) |  |  | (1,823 | ) |  |  | (535 | ) |  |  | (74 | ) |  |  | 0 |  |  |  | 0 |  |  |  | (3,901 | )
Recoveries |  |  | 134 |  |  |  | 22 |  |  |  | 962 |  |  |  | 179 |  |  |  | 5 |  |  |  | 0 |  |  |  | 0 |  |  |  | 1,302 |
Provision |  |  | 831 |  |  |  | 424 |  |  |  | 746 |  |  |  | 317 |  |  |  | (8 | ) |  |  | (10 | ) |  |  | 122 |  |  |  | 2,422 |
Ending balance |  | $ | 18,271 |  |  | $ | 10,317 |  |  | $ | 14,251 |  |  | $ | 3,056 |  |  | $ | 2,067 |  |  | $ | 990 |  |  | $ | 155 |  |  | $ | 49,107 |
Business Lending [Member] |
Loans and Leases Receivable Disclosure [Line Items] |
Loans by Credit Quality Indicator | The following tables show the amount of business lending loans by credit quality category at March 31, 2020 and December 31, 2019:
(000’s omitted) |  | Term Loans Amortized Cost Basis by Origination Year |  |  |  |  |  |  |
March 31, 2020 |  | 2020 |  |  | 2019 |  |  | 2018 |  |  | 2017 |  |  | 2016 |  |  | Prior |  |  | Revolving Loans Amortized Cost Basis |  |  | Total |
Business lending: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 81,301 |  |  | $ | 386,281 |  |  | $ | 333,585 |  |  | $ | 239,020 |  |  | $ | 276,171 |  |  | $ | 606,390 |  |  | $ | 593,830 |  |  | $ | 2,516,578 |
Special mention |  |  | 4,128 |  |  |  | 12,290 |  |  |  | 6,887 |  |  |  | 13,213 |  |  |  | 4,516 |  |  |  | 52,457 |  |  |  | 31,223 |  |  |  | 124,714 |
Classified |  |  | 665 |  |  |  | 1,933 |  |  |  | 17,241 |  |  |  | 9,993 |  |  |  | 12,790 |  |  |  | 59,750 |  |  |  | 45,466 |  |  |  | 147,838 |
Doubtful |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total business lending |  | $ | 86,094 |  |  | $ | 400,504 |  |  | $ | 357,713 |  |  | $ | 262,226 |  |  | $ | 293,477 |  |  | $ | 718,597 |  |  | $ | 670,519 |  |  | $ | 2,789,130 |
|  | December 31, 2019 |
(000’s omitted) |  | Legacy |  |  | Acquired |  |  | Total |
Pass |  | $ | 1,655,280 |  |  | $ | 832,693 |  |  | $ | 2,487,973 |
Special mention |  |  | 98,953 |  |  |  | 45,324 |  |  |  | 144,277 |
Classified |  |  | 102,352 |  |  |  | 29,477 |  |  |  | 131,829 |
Doubtful |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Acquired impaired |  |  | 0 |  |  |  | 11,797 |  |  |  | 11,797 |
Total |  | $ | 1,856,585 |  |  | $ | 919,291 |  |  | $ | 2,775,876 |
All Other Loans [Member] |
Loans and Leases Receivable Disclosure [Line Items] |
Loans by Credit Quality Indicator | All other loans are underwritten and structured using standardized criteria and characteristics, primarily payment performance, and are normally risk rated and monitored collectively on a monthly basis. These are typically loans to individuals in the consumer categories and are delineated as either performing or nonperforming. Performing loans include loans classified as current as well as those classified as 30 - 89 days past due. Nonperforming loans include 90+ days past due and still accruing and nonaccrual loans. The following table details the balances in all other loan categories at March 31, 2020:
(000’s omitted) |  | Term Loans Amortized Cost Basis by Origination Year |  |  |  |  |  |  |
March 31, 2020 |  | 2020 |  |  | 2019 |  |  | 2018 |  |  | 2017 |  |  | 2016 |  |  | Prior |  |  | Revolving Loans Amortized Cost Basis |  |  | Total |
Consumer mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
FICO AB |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 47,527 |  |  | $ | 252,841 |  |  | $ | 194,612 |  |  | $ | 190,316 |  |  | $ | 187,254 |  |  | $ | 651,314 |  |  | $ | 0 |  |  | $ | 1,523,864 |
Nonperforming |  |  | 0 |  |  |  | 0 |  |  |  | 153 |  |  |  | 299 |  |  |  | 193 |  |  |  | 2,862 |  |  |  | 0 |  |  |  | 3,507 |
Total FICO AB |  |  | 47,527 |  |  |  | 252,841 |  |  |  | 194,765 |  |  |  | 190,615 |  |  |  | 187,447 |  |  |  | 654,176 |  |  |  | 0 |  |  |  | 1,527,371 |
FICO CDE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  |  | 22,589 |  |  |  | 111,126 |  |  |  | 89,451 |  |  |  | 88,630 |  |  |  | 94,419 |  |  |  | 467,433 |  |  |  | 12,649 |  |  |  | 886,297 |
Nonperforming |  |  | 0 |  |  |  | 0 |  |  |  | 142 |  |  |  | 524 |  |  |  | 1,327 |  |  |  | 8,995 |  |  |  | 0 |  |  |  | 10,988 |
Total FICO CDE |  |  | 22,589 |  |  |  | 111,126 |  |  |  | 89,593 |  |  |  | 89,154 |  |  |  | 95,746 |  |  |  | 476,428 |  |  |  | 12,649 |  |  |  | 897,285 |
Total consumer mortgage |  | $ | 70,116 |  |  | $ | 363,967 |  |  | $ | 284,358 |  |  | $ | 279,769 |  |  | $ | 283,193 |  |  | $ | 1,130,604 |  |  | $ | 12,649 |  |  | $ | 2,424,656 |
Consumer indirect: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 74,581 |  |  | $ | 397,442 |  |  | $ | 284,899 |  |  | $ | 133,402 |  |  | $ | 102,849 |  |  | $ | 94,288 |  |  | $ | 0 |  |  | $ | 1,087,461 |
Nonperforming |  |  | 0 |  |  |  | 98 |  |  |  | 78 |  |  |  | 63 |  |  |  | 99 |  |  |  | 80 |  |  |  | 0 |  |  |  | 418 |
Total consumer indirect |  | $ | 74,581 |  |  | $ | 397,540 |  |  | $ | 284,977 |  |  | $ | 133,465 |  |  | $ | 102,948 |  |  | $ | 94,368 |  |  |  | 0 |  |  | $ | 1,087,879 |
Consumer direct: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 20,080 |  |  | $ | 66,306 |  |  | $ | 42,399 |  |  | $ | 21,144 |  |  | $ | 11,049 |  |  | $ | 9,121 |  |  | $ | 7,631 |  |  | $ | 177,730 |
Nonperforming |  |  | 0 |  |  |  | 14 |  |  |  | 1 |  |  |  | 66 |  |  |  | 3 |  |  |  | 0 |  |  |  | 30 |  |  |  | 114 |
Total consumer direct |  | $ | 20,080 |  |  | $ | 66,320 |  |  | $ | 42,400 |  |  | $ | 21,210 |  |  | $ | 11,052 |  |  | $ | 9,121 |  |  | $ | 7,661 |  |  | $ | 177,844 |
Home equity: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 14,521 |  |  | $ | 51,149 |  |  | $ | 28,687 |  |  | $ | 23,194 |  |  | $ | 19,318 |  |  | $ | 35,395 |  |  | $ | 212,069 |  |  | $ | 384,333 |
Nonperforming |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 73 |  |  |  | 118 |  |  |  | 461 |  |  |  | 1,598 |  |  |  | 2,250 |
Total home equity |  | $ | 14,521 |  |  | $ | 51,149 |  |  | $ | 28,687 |  |  | $ | 23,267 |  |  | $ | 19,436 |  |  | $ | 35,856 |  |  | $ | 213,667 |  |  | $ | 386,583 |
The following table details the balances in all other loan categories at December 31, 2019: Legacy Loans (excludes loans acquired after January 1, 2009)
(000’s omitted) |  | Consumer Mortgage |  |  | Consumer Indirect |  |  | Consumer Direct |  |  | Home Equity |  |  | Total |
Performing |  | $ | 1,984,533 |  |  | $ | 1,107,183 |  |  | $ | 175,900 |  |  | $ | 312,235 |  |  | $ | 3,579,851 |
Nonperforming |  |  | 12,183 |  |  |  | 125 |  |  |  | 76 |  |  |  | 1,772 |  |  |  | 14,156 |
Total |  | $ | 1,996,716 |  |  | $ | 1,107,308 |  |  | $ | 175,976 |  |  | $ | 314,007 |  |  | $ | 3,594,007 |
Acquired Loans (includes loans acquired after January 1, 2009)
(000’s omitted) |  | Consumer Mortgage |  |  | Consumer Indirect |  |  | Consumer Direct |  |  | Home Equity |  |  | Total |
Performing |  | $ | 431,523 |  |  | $ | 5,723 |  |  | $ | 8,350 |  |  | $ | 71,668 |  |  | $ | 517,264 |
Nonperforming |  |  | 2,663 |  |  |  | 31 |  |  |  | 52 |  |  |  | 650 |  |  |  | 3,396 |
Total |  | $ | 434,186 |  |  | $ | 5,754 |  |  | $ | 8,402 |  |  | $ | 72,318 |  |  | $ | 520,660 |

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