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LOANS (Tables) | 6 Months Ended
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Jun. 30, 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) |  | June 30, 2020 |  |  | December 31, 2019 |
Business lending |  | $ | 3,455,343 |  |  | $ | 2,775,876 |
Consumer mortgage |  |  | 2,428,060 |  |  |  | 2,430,902 |
Consumer indirect |  |  | 1,056,865 |  |  |  | 1,113,062 |
Consumer direct |  |  | 169,228 |  |  |  | 184,378 |
Home equity |  |  | 418,543 |  |  |  | 386,325 |
Gross loans, including deferred origination costs |  |  | 7,528,039 |  |  |  | 6,890,543 |
Allowance for credit losses |  |  | (64,437 | ) |  |  | (49,911 | )
Loans, net of allowance for credit losses |  | $ | 7,463,602 |  |  | $ | 6,840,632 |
Aged Analysis of Past Due Loans by Segment | The following table presents the aging of the amortized cost basis of the Company’s past due loans, including purchased credit deteriorated (“PCD”) loans, by segment as of June 30, 2020:
(000’s omitted) |  | Past Due 30 – 89 Days |  |  | 90+ Days Past Due and Still Accruing |  |  | Nonaccrual |  |  | Total Past Due |  |  | Current |  |  | Total Loans |
Business lending |  | $ | 2,495 |  |  | $ | 1,186 |  |  | $ | 5,001 |  |  | $ | 8,682 |  |  | $ | 3,446,661 |  |  | $ | 3,455,343 |
Consumer mortgage |  |  | 13,539 |  |  |  | 3,651 |  |  |  | 13,544 |  |  |  | 30,734 |  |  |  | 2,397,326 |  |  |  | 2,428,060 |
Consumer indirect |  |  | 8,116 |  |  |  | 744 |  |  |  | 2 |  |  |  | 8,862 |  |  |  | 1,048,003 |  |  |  | 1,056,865 |
Consumer direct |  |  | 875 |  |  |  | 72 |  |  |  | 54 |  |  |  | 1,001 |  |  |  | 168,227 |  |  |  | 169,228 |
Home equity |  |  | 2,562 |  |  |  | 410 |  |  |  | 2,096 |  |  |  | 5,068 |  |  |  | 413,475 |  |  |  | 418,543 |
Total |  | $ | 27,587 |  |  | $ | 6,063 |  |  | $ | 20,697 |  |  | $ | 54,347 |  |  | $ | 7,473,692 |  |  | $ | 7,528,039 |
The following is an aged analysis of the Company’s past due loans by segment 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 loans as of June 30, 2020 and December 31, 2019 follows:
(000’s omitted) |  | June 30, 2020 |  |  | December 31, 2019 |
Loans with allowance allocation |  | $ | 0 |  |  | $ | 0 |
Loans without allowance allocation |  |  | 1,414 |  |  |  | 1,414 |
Carrying balance |  |  | 1,414 |  |  |  | 1,414 |
Contractual balance |  |  | 2,943 |  |  |  | 2,944 |
Specifically allocated allowance |  |  | 0 |  |  |  | 0 |
Troubled Debt Restructurings on Financing Receivables | Information regarding TDRs as of June 30, 2020 and December 31, 2019 is as follows:
|  | June 30, 2020 |  |  | December 31, 2019 |
(000’s omitted) |  | Nonaccrual |  |  | Accruing |  |  | Total |  |  | Nonaccrual |  |  | Accruing |  |  | Total |
|  |  | # |  |  | Amount |  |  |  | # |  |  | Amount |  |  |  | # |  |  | Amount |  |  |  | # |  |  | Amount |  |  |  | # |  |  | Amount |  |  |  | # |  |  | Amount |
Business lending |  |  | 8 |  |  | $ | 602 |  |  |  | 3 |  |  | $ | 195 |  |  |  | 11 |  |  | $ | 797 |  |  |  | 8 |  |  | $ | 681 |  |  |  | 3 |  |  | $ | 201 |  |  |  | 11 |  |  | $ | 882 |
Consumer mortgage |  |  | 58 |  |  |  | 2,491 |  |  |  | 47 |  |  |  | 2,230 |  |  |  | 105 |  |  |  | 4,721 |  |  |  | 59 |  |  |  | 2,638 |  |  |  | 47 |  |  |  | 1,892 |  |  |  | 106 |  |  |  | 4,530 |
Consumer indirect |  |  | 0 |  |  |  | 0 |  |  |  | 79 |  |  |  | 878 |  |  |  | 79 |  |  |  | 878 |  |  |  | 0 |  |  |  | 0 |  |  |  | 84 |  |  |  | 941 |  |  |  | 84 |  |  |  | 941 |
Consumer direct |  |  | 0 |  |  |  | 0 |  |  |  | 23 |  |  |  | 99 |  |  |  | 23 |  |  |  | 99 |  |  |  | 0 |  |  |  | 0 |  |  |  | 23 |  |  |  | 101 |  |  |  | 23 |  |  |  | 101 |
Home equity |  |  | 11 |  |  |  | 285 |  |  |  | 10 |  |  |  | 250 |  |  |  | 21 |  |  |  | 535 |  |  |  | 13 |  |  |  | 290 |  |  |  | 11 |  |  |  | 238 |  |  |  | 24 |  |  |  | 528 |
Total |  |  | 77 |  |  | $ | 3,378 |  |  |  | 162 |  |  | $ | 3,652 |  |  |  | 239 |  |  | $ | 7,030 |  |  |  | 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 and six months ended June 30, 2020 and 2019. Of the loans noted in the table below, all consumer mortgage loans for the three months and six months ended June 30, 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 June 30, 2020 |  |  | Three Months Ended June 30, 2019 |
(000’s omitted) |  | Number of loans modified |  |  | Outstanding Balance |  |  | Number of loans modified |  |  | Outstanding Balance |
Business lending |  |  | 0 |  |  | $ | 0 |  |  |  | 2 |  |  | $ | 250 |
Consumer mortgage |  |  | 3 |  |  |  | 174 |  |  |  | 4 |  |  |  | 283 |
Consumer indirect |  |  | 3 |  |  |  | 47 |  |  |  | 4 |  |  |  | 33 |
Consumer direct |  |  | 0 |  |  |  | 0 |  |  |  | 2 |  |  |  | 6 |
Home equity |  |  | 1 |  |  |  | 28 |  |  |  | 3 |  |  |  | 71 |
Total |  |  | 7 |  |  | $ | 249 |  |  |  | 15 |  |  | $ | 643 |
|  | Six Months Ended June 30, 2020 |  |  | Six Months Ended June 30, 2019 |
(000’s omitted) |  | Number of loans modified |  |  | Outstanding Balance |  |  | Number of loans modified |  |  | Outstanding Balance |
Business lending |  |  | 0 |  |  | $ | 0 |  |  |  | 2 |  |  | $ | 250 |
Consumer mortgage |  |  | 9 |  |  |  | 738 |  |  |  | 11 |  |  |  | 861 |
Consumer indirect |  |  | 14 |  |  |  | 151 |  |  |  | 12 |  |  |  | 98 |
Consumer direct |  |  | 1 |  |  |  | 11 |  |  |  | 3 |  |  |  | 12 |
Home equity |  |  | 1 |  |  |  | 28 |  |  |  | 4 |  |  |  | 75 |
Total |  |  | 25 |  |  | $ | 928 |  |  |  | 32 |  |  | $ | 1,296 |
Allowance for Credit Losses by Class | The following presents by segment the activity in the allowance for credit losses:
|  | Three Months Ended June 30, 2020 |
(000’s omitted) |  | Beginning balance |  |  | Charge-offs |  |  | Recoveries |  |  | Steuben acquisition |  |  | Provision |  |  | Ending balance |
Business lending |  | $ | 19,489 |  |  | $ | (7 | ) |  | $ | 84 |  |  | $ | 2,483 |  |  | $ | 2,155 |  |  | $ | 24,204 |
Consumer mortgage |  |  | 12,430 |  |  |  | (234 | ) |  |  | 36 |  |  |  | 146 |  |  |  | 710 |  |  |  | 13,088 |
Consumer indirect |  |  | 13,694 |  |  |  | (1,431 | ) |  |  | 833 |  |  |  | 183 |  |  |  | 2,587 |  |  |  | 15,866 |
Consumer direct |  |  | 3,737 |  |  |  | (341 | ) |  |  | 171 |  |  |  | 87 |  |  |  | 374 |  |  |  | 4,028 |
Home equity |  |  | 2,484 |  |  |  | (81 | ) |  |  | 12 |  |  |  | 235 |  |  |  | 40 |  |  |  | 2,690 |
Unallocated |  |  | 772 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 228 |  |  |  | 1,000 |
Purchased credit deteriorated |  |  | 3,046 |  |  |  | 0 |  |  |  | 48 |  |  |  | 528 |  |  |  | (61 | ) |  |  | 3,561 |
Allowance for credit losses – loans |  |  | 55,652 |  |  |  | (2,094 | ) |  |  | 1,184 |  |  |  | 3,662 |  |  |  | 6,033 |  |  |  | 64,437 |
Liabilities for off-balance-sheet credit exposures |  |  | 845 |  |  |  | 0 |  |  |  | 0 |  |  |  | 67 |  |  |  | 540 |  |  |  | 1,452 |
Total allowance for credit losses |  | $ | 56,497 |  |  | $ | (2,094 | ) |  | $ | 1,184 |  |  | $ | 3,729 |  |  | $ | 6,573 |  |  | $ | 65,889 |
|  | Three Months Ended June 30, 2019 |
(000’s omitted) |  | Business Lending |  |  | Consumer Mortgage |  |  | Consumer Indirect |  |  | Consumer Direct |  |  | Home Equity |  |  | Unallocated |  |  | Acquired Impaired |  |  | Total |
Beginning balance |  | $ | 18,271 |  |  | $ | 10,317 |  |  | $ | 14,251 |  |  | $ | 3,056 |  |  | $ | 2,067 |  |  | $ | 990 |  |  | $ | 155 |  |  | $ | 49,107 |
Charge-offs |  |  | (253 | ) |  |  | (587 | ) |  |  | (1,482 | ) |  |  | (445 | ) |  |  | (104 | ) |  |  | 0 |  |  |  | 0 |  |  |  | (2,871 | )
Recoveries |  |  | 169 |  |  |  | 14 |  |  |  | 1,239 |  |  |  | 221 |  |  |  | 31 |  |  |  | 0 |  |  |  | 0 |  |  |  | 1,674 |
Provision |  |  | (418 | ) |  |  | 1,019 |  |  |  | 337 |  |  |  | 352 |  |  |  | 109 |  |  |  | 1 |  |  |  | 0 |  |  |  | 1,400 |
Ending balance |  | $ | 17,769 |  |  | $ | 10,763 |  |  | $ | 14,345 |  |  | $ | 3,184 |  |  | $ | 2,103 |  |  | $ | 991 |  |  | $ | 155 |  |  | $ | 49,310 |
|  | Six Months Ended June 30, 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 |  |  | Steuben acquisition |  |  | Provision |  |  | Ending balance |
Business lending |  | $ | 19,426 |  |  | $ | 288 |  |  | $ | 19,714 |  |  | $ | (183 | ) |  | $ | 222 |  |  | $ | 2,483 |  |  | $ | 1,968 |  |  | $ | 24,204 |
Consumer mortgage |  |  | 10,269 |  |  |  | (1,051 | ) |  |  | 9,218 |  |  |  | (420 | ) |  |  | 44 |  |  |  | 146 |  |  |  | 4,100 |  |  |  | 13,088 |
Consumer indirect |  |  | 13,712 |  |  |  | (997 | ) |  |  | 12,715 |  |  |  | (3,510 | ) |  |  | 1,996 |  |  |  | 183 |  |  |  | 4,482 |  |  |  | 15,866 |
Consumer direct |  |  | 3,255 |  |  |  | (643 | ) |  |  | 2,612 |  |  |  | (874 | ) |  |  | 353 |  |  |  | 87 |  |  |  | 1,850 |  |  |  | 4,028 |
Home equity |  |  | 2,129 |  |  |  | 808 |  |  |  | 2,937 |  |  |  | (154 | ) |  |  | 18 |  |  |  | 235 |  |  |  | (346 | ) |  |  | 2,690 |
Unallocated |  |  | 957 |  |  |  | 43 |  |  |  | 1,000 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 1,000 |
Purchased credit deteriorated |  |  | 0 |  |  |  | 3,072 |  |  |  | 3,072 |  |  |  | 0 |  |  |  | 48 |  |  |  | 528 |  |  |  | (87 | ) |  |  | 3,561 |
Purchased credit impaired |  |  | 163 |  |  |  | (163 | ) |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Allowance for credit losses – loans |  |  | 49,911 |  |  |  | 1,357 |  |  |  | 51,268 |  |  |  | (5,141 | ) |  |  | 2,681 |  |  |  | 3,662 |  |  |  | 11,967 |  |  |  | 64,437 |
Liabilities for off-balance-sheet credit exposures |  |  | 0 |  |  |  | 1,185 |  |  |  | 1,185 |  |  |  | 0 |  |  |  | 0 |  |  |  | 67 |  |  |  | 200 |  |  |  | 1,452 |
Total allowance for credit losses |  | $ | 49,911 |  |  | $ | 2,542 |  |  | $ | 52,453 |  |  | $ | (5,141 | ) |  | $ | 2,681 |  |  | $ | 3,729 |  |  | $ | 12,167 |  |  | $ | 65,889 |
|  | Six Months Ended June 30, 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 |  |  | (1,469 | ) |  |  | (840 | ) |  |  | (3,305 | ) |  |  | (980 | ) |  |  | (178 | ) |  |  | 0 |  |  |  | 0 |  |  |  | (6,772 | )
Recoveries |  |  | 303 |  |  |  | 36 |  |  |  | 2,201 |  |  |  | 400 |  |  |  | 36 |  |  |  | 0 |  |  |  | 0 |  |  |  | 2,976 |
Provision |  |  | 413 |  |  |  | 1,443 |  |  |  | 1,083 |  |  |  | 669 |  |  |  | 101 |  |  |  | (9 | ) |  |  | 122 |  |  |  | 3,822 |
Ending balance |  | $ | 17,769 |  |  | $ | 10,763 |  |  | $ | 14,345 |  |  | $ | 3,184 |  |  | $ | 2,103 |  |  | $ | 991 |  |  | $ | 155 |  |  | $ | 49,310 |
Carrying Amounts of Loans Purchased and Sold | The following table presents the carrying amounts of loans purchased and sold during the six months ended June 30, 2020 by portfolio segment:
(000’s omitted) |  | Business lending |  |  | Consumer mortgage |  |  | Consumer indirect |  |  | Consumer direct |  |  | Home equity |  |  | Total |
Purchases |  | $ | 253,469 |  |  | $ | 26,733 |  |  | $ | 13,926 |  |  | $ | 6,022 |  |  | $ | 39,542 |  |  | $ | 339,692 |
Sales |  |  | 0 |  |  |  | 15,599 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 15,599 |
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 June 30, 2020 and December 31, 2019:
(000’s omitted) |  | Term Loans Amortized Cost Basis by Origination Year |  |  | Revolving Loans Amortized |  |  |  |
June 30, 2020 |  | 2020 |  |  | 2019 |  |  | 2018 |  |  | 2017 |  |  | 2016 |  |  | Prior |  |  | Cost Basis |  |  | Total |
Business lending: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 661,019 |  |  | $ | 390,621 |  |  | $ | 371,073 |  |  | $ | 273,598 |  |  | $ | 274,860 |  |  | $ | 634,379 |  |  | $ | 567,034 |  |  | $ | 3,172,584 |
Special mention |  |  | 6,026 |  |  |  | 12,045 |  |  |  | 6,641 |  |  |  | 12,701 |  |  |  | 18,005 |  |  |  | 56,168 |  |  |  | 30,485 |  |  |  | 142,071 |
Classified |  |  | 3,334 |  |  |  | 3,056 |  |  |  | 17,362 |  |  |  | 8,151 |  |  |  | 15,286 |  |  |  | 55,677 |  |  |  | 37,822 |  |  |  | 140,688 |
Doubtful |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total business lending |  | $ | 670,379 |  |  | $ | 405,722 |  |  | $ | 395,076 |  |  | $ | 294,450 |  |  | $ | 308,151 |  |  | $ | 746,224 |  |  | $ | 635,341 |  |  | $ | 3,455,343 |
|  | 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 | The following table details the balances in all other loan categories at June 30, 2020:
(000’s omitted) |  | Term Loans Amortized Cost Basis by Origination Year |  |  | Revolving Loans Amortized |  |  |  |
June 30, 2020 |  | 2020 |  |  | 2019 |  |  | 2018 |  |  | 2017 |  |  | 2016 |  |  | Prior |  |  | Cost Basis |  |  | Total |
Consumer mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
FICO AB |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 111,491 |  |  | $ | 247,646 |  |  | $ | 186,686 |  |  | $ | 185,064 |  |  | $ | 178,459 |  |  | $ | 712,049 |  |  | $ | 454 |  |  | $ | 1,621,849 |
Nonperforming |  |  | 0 |  |  |  | 155 |  |  |  | 151 |  |  |  | 408 |  |  |  | 317 |  |  |  | 3,449 |  |  |  | 0 |  |  |  | 4,480 |
Total FICO AB |  |  | 111,491 |  |  |  | 247,801 |  |  |  | 186,837 |  |  |  | 185,472 |  |  |  | 178,776 |  |  |  | 715,498 |  |  |  | 454 |  |  |  | 1,626,329 |
FICO CDE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  |  | 47,370 |  |  |  | 108,296 |  |  |  | 85,917 |  |  |  | 83,641 |  |  |  | 91,733 |  |  |  | 362,287 |  |  |  | 9,772 |  |  |  | 789,016 |
Nonperforming |  |  | 0 |  |  |  | 360 |  |  |  | 732 |  |  |  | 674 |  |  |  | 1,456 |  |  |  | 9,493 |  |  |  | 0 |  |  |  | 12,715 |
Total FICO CDE |  |  | 47,370 |  |  |  | 108,656 |  |  |  | 86,649 |  |  |  | 84,315 |  |  |  | 93,189 |  |  |  | 371,780 |  |  |  | 9,772 |  |  |  | 801,731 |
Total consumer mortgage |  | $ | 158,861 |  |  | $ | 356,457 |  |  | $ | 273,486 |  |  | $ | 269,787 |  |  | $ | 271,965 |  |  | $ | 1,087,278 |  |  | $ | 10,226 |  |  | $ | 2,428,060 |
Consumer indirect: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 135,333 |  |  | $ | 372,290 |  |  | $ | 260,629 |  |  | $ | 118,119 |  |  | $ | 88,554 |  |  | $ | 81,194 |  |  | $ | 0 |  |  | $ | 1,056,119 |
Nonperforming |  |  | 9 |  |  |  | 170 |  |  |  | 176 |  |  |  | 175 |  |  |  | 137 |  |  |  | 79 |  |  |  | 0 |  |  |  | 746 |
Total consumer indirect |  | $ | 135,342 |  |  | $ | 372,460 |  |  | $ | 260,805 |  |  | $ | 118,294 |  |  | $ | 88,691 |  |  | $ | 81,273 |  |  |  | 0 |  |  | $ | 1,056,865 |
Consumer direct: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 27,668 |  |  | $ | 60,954 |  |  | $ | 38,348 |  |  | $ | 18,528 |  |  | $ | 8,888 |  |  | $ | 7,892 |  |  | $ | 6,824 |  |  | $ | 169,102 |
Nonperforming |  |  | 0 |  |  |  | 35 |  |  |  | 23 |  |  |  | 66 |  |  |  | 0 |  |  |  | 0 |  |  |  | 2 |  |  |  | 126 |
Total consumer direct |  | $ | 27,668 |  |  | $ | 60,989 |  |  | $ | 38,371 |  |  | $ | 18,594 |  |  | $ | 8,888 |  |  | $ | 7,892 |  |  | $ | 6,826 |  |  | $ | 169,228 |
Home equity: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 31,060 |  |  | $ | 53,585 |  |  | $ | 31,703 |  |  | $ | 26,694 |  |  | $ | 21,831 |  |  | $ | 40,438 |  |  | $ | 210,726 |  |  | $ | 416,037 |
Nonperforming |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 65 |  |  |  | 165 |  |  |  | 644 |  |  |  | 1,632 |  |  |  | 2,506 |
Total home equity |  | $ | 31,060 |  |  | $ | 53,585 |  |  | $ | 31,703 |  |  | $ | 26,759 |  |  | $ | 21,996 |  |  | $ | 41,082 |  |  | $ | 212,358 |  |  | $ | 418,543 |
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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