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LOANS (Tables) | 9 Months Ended
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Sep. 30, 2020
Loans and Leases Receivable Disclosure [Line Items] |
Loans Receivable, Net | The segments of the Company’s loan portfolio are summarized as follows: ​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | September 30, |  | December 31,
(000's omitted) |  | 2020 |  | 2019
Business lending | ​ | $ | 3,433,565 | ​ | $ | 2,775,876
Consumer mortgage | ​ |  | 2,410,249 | ​ |  | 2,430,902
Consumer indirect | ​ |  | 1,039,925 | ​ |  | 1,113,062
Consumer direct | ​ |  | 161,639 | ​ |  | 184,378
Home equity | ​ |  | 413,265 | ​ |  | 386,325
Gross loans, including deferred origination costs | ​ |  | 7,458,643 | ​ |  | 6,890,543
Allowance for credit losses | ​ |  | (64,962) | ​ |  | (49,911)
Loans, net of allowance for credit losses | ​ | $ | 7,393,681 | ​ | $ | 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 September 30, 2020: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | Past Due |  | 90+ Days Past |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​
​ | ​ | 30 – 89 | ​ | Due and | ​ | ​ | ​ | ​ | Total | ​ | ​ | ​ | ​ | ​ | ​
(000’s omitted) |  | Days |  | Still Accruing |  | Nonaccrual |  | Past Due |  | Current |  | Total Loans
Business lending | ​ | $ | 3,151 | ​ | $ | 39 | ​ | $ | 11,750 | ​ | $ | 14,940 | ​ | $ | 3,418,625 | ​ | $ | 3,433,565
Consumer mortgage | ​ |  | 11,449 | ​ |  | 3,182 | ​ |  | 14,821 | ​ |  | 29,452 | ​ |  | 2,380,797 | ​ |  | 2,410,249
Consumer indirect | ​ |  | 8,711 | ​ |  | 12 | ​ |  | 1 | ​ |  | 8,724 | ​ |  | 1,031,201 | ​ |  | 1,039,925
Consumer direct | ​ |  | 1,060 | ​ |  | 34 | ​ |  | 3 | ​ |  | 1,097 | ​ |  | 160,542 | ​ |  | 161,639
Home equity | ​ |  | 2,179 | ​ |  | 220 | ​ |  | 2,181 | ​ |  | 4,580 | ​ |  | 408,685 | ​ |  | 413,265
Total | ​ | $ | 26,550 | ​ | $ | 3,487 | ​ | $ | 28,756 | ​ | $ | 58,793 | ​ | $ | 7,399,850 | ​ | $ | 7,458,643
​ 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) ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | Past Due |  | 90+ Days Past |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​
​ | ​ | 30 – 89 | ​ | Due and | ​ | ​ | ​ | ​ | Total | ​ | ​ | ​ | ​ | ​ | ​
(000’s omitted) |  | Days |  | Still Accruing |  | Nonaccrual |  | 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) ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | Past Due |  | 90+ Days Past |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​
​ | ​ | 30 – 89 | ​ | Due and | ​ | ​ | ​ | ​ | Total | ​ | Acquired | ​ | ​ | ​ | ​ | ​ | ​
(000’s omitted) |  | Days |  | Still Accruing |  | Nonaccrual |  | Past Due |  | 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.
Impaired business lending loans | All loan classes are collectively evaluated for impairment except business lending. A summary of individually evaluated impaired business lending loans as of September 30, 2020 and December 31, 2019 follows: ​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | September 30, |  | December 31,
(000’s omitted) |  | 2020 |  | 2019
Loans with allowance allocation | ​ | $ | 6,842 | ​ | $ | 0
Loans without allowance allocation | ​ |  | 1,414 | ​ |  | 1,414
Carrying balance | ​ |  | 8,256 | ​ |  | 1,414
Contractual balance | ​ |  | 10,558 | ​ |  | 2,944
Specifically allocated allowance | ​ |  | 882 | ​ |  | 0
​
Troubled Debt Restructurings on Financing Receivables | Information regarding TDRs as of September 30, 2020 and December 31, 2019 is as follows: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | September 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 |  | 57 | ​ |  | 2,478 |  | 47 | ​ |  | 2,330 |  | 104 | ​ |  | 4,808 |  | 59 | ​ |  | 2,638 |  | 47 | ​ |  | 1,892 |  | 106 | ​ |  | 4,530
Consumer indirect |  | 0 | ​ |  | 0 |  | 85 | ​ |  | 935 |  | 85 | ​ |  | 935 |  | 0 | ​ |  | 0 |  | 84 | ​ |  | 941 |  | 84 | ​ |  | 941
Consumer direct |  | 0 | ​ |  | 0 |  | 24 | ​ |  | 94 |  | 24 | ​ |  | 94 |  | 0 | ​ |  | 0 |  | 23 | ​ |  | 101 |  | 23 | ​ |  | 101
Home equity |  | 11 | ​ |  | 277 |  | 13 | ​ |  | 272 |  | 24 | ​ |  | 549 |  | 13 | ​ |  | 290 |  | 11 | ​ |  | 238 |  | 24 | ​ |  | 528
Total |  | 76 | ​ | $ | 3,357 |  | 172 | ​ | $ | 3,826 |  | 248 | ​ | $ | 7,183 |  | 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 nine months ended September 30, 2020 and 2019. Of the loans noted in the table below, all consumer mortgage loans for the three months and nine months ended September 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 |  | Three Months Ended
​ | ​ | September 30, 2020 | ​ | September 30, 2019
​ | ​ | Number of | ​ | Outstanding | ​ | Number of | ​ | Outstanding
(000’s omitted) |  | loans modified |  | Balance |  | loans modified |  | Balance
Business lending |  | 0 | ​ | $ | 0 |  | 1 | ​ | $ | 415
Consumer mortgage |  | 8 | ​ |  | 646 |  | 8 | ​ |  | 464
Consumer indirect |  | 14 | ​ |  | 131 |  | 10 | ​ |  | 116
Consumer direct |  | 1 | ​ |  | 2 |  | 2 | ​ |  | 25
Home equity |  | 2 | ​ |  | 56 |  | 0 | ​ |  | 0
Total |  | 25 | ​ | $ | 835 |  | 21 | ​ | $ | 1,020
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Nine Months Ended | ​ | Nine Months Ended
​ | ​ | September 30, 2020 | ​ | September 30, 2019
​ | ​ | Number of | ​ | Outstanding | ​ | Number of | ​ | Outstanding
(000’s omitted) |  | loans modified |  | Balance |  | loans modified |  | Balance
Business lending | ​ | 0 | ​ | $ | 0 |  | 3 | ​ | $ | 660
Consumer mortgage | ​ | 17 | ​ |  | 1,378 |  | 19 | ​ |  | 1,271
Consumer indirect | ​ | 25 | ​ |  | 261 |  | 22 | ​ |  | 206
Consumer direct | ​ | 2 | ​ |  | 12 |  | 5 | ​ |  | 35
Home equity | ​ | 2 | ​ |  | 56 |  | 4 | ​ |  | 72
Total | ​ | 46 | ​ | $ | 1,707 |  | 53 | ​ | $ | 2,244
Allowance for Credit Losses by Class | The following presents by segment the activity in the allowance for credit losses: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | Three Months Ended September 30, 2020
​ | ​ | Beginning | ​ | Charge- | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Ending
(000’s omitted) |  | balance |  | offs |  | Recoveries |  | Provision |  | balance
Business lending | ​ | $ | 24,204 | ​ | $ | (736) | ​ | $ | 67 | ​ | $ | 3,539 | ​ | $ | 27,074
Consumer mortgage | ​ |  | 13,088 | ​ |  | (248) | ​ |  | 23 | ​ |  | (599) | ​ |  | 12,264
Consumer indirect | ​ |  | 15,866 | ​ |  | (1,281) | ​ |  | 1,111 | ​ |  | (963) | ​ |  | 14,733
Consumer direct | ​ |  | 4,028 | ​ |  | (340) | ​ |  | 225 | ​ |  | (120) | ​ |  | 3,793
Home equity | ​ |  | 2,690 | ​ |  | (24) | ​ |  | 5 | ​ |  | (124) | ​ |  | 2,547
Unallocated | ​ |  | 1,000 | ​ |  | 0 | ​ |  | 0 | ​ |  | 4 | ​ |  | 1,004
Purchased credit deteriorated | ​ |  | 3,561 | ​ |  | (91) | ​ |  | 32 | ​ |  | 45 | ​ |  | 3,547
Allowance for credit losses | ​ |  | 64,437 | ​ |  | (2,720) | ​ |  | 1,463 | ​ |  | 1,782 | ​ |  | 64,962
Liabilities for off-balance-sheet credit exposures | ​ |  | 1,452 | ​ |  | 0 | ​ |  | 0 | ​ |  | 163 | ​ |  | 1,615
Total allowance for credit losses and liabilities for off-balance-sheet credit exposures | ​ | $ | 65,889 | ​ | $ | (2,720) | ​ | $ | 1,463 | ​ | $ | 1,945 | ​ | $ | 66,577
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | Three Months Ended September 30, 2019
​ | ​ | Business | ​ | Consumer | ​ | Consumer | ​ | Consumer | ​ | Home | ​ | ​ | ​ | ​ | Acquired | ​ | ​ | ​
(000’s omitted) |  | Lending |  | Mortgage |  | Indirect |  | Direct |  | Equity |  | Unallocated |  | Impaired |  | Total
Beginning balance | ​ | $ | 17,769 | ​ | $ | 10,763 | ​ | $ | 14,345 | ​ | $ | 3,184 | ​ | $ | 2,103 | ​ | $ | 991 | ​ | $ | 155 | ​ | $ | 49,310
Charge-offs | ​ |  | (305) | ​ |  | (200) | ​ |  | (2,224) | ​ |  | (456) | ​ |  | (45) | ​ |  | 0 | ​ |  | 0 | ​ |  | (3,230)
Recoveries | ​ |  | 290 | ​ |  | 8 | ​ |  | 1,095 | ​ |  | 167 | ​ |  | 32 | ​ |  | 0 | ​ |  | 0 | ​ |  | 1,592
Provision | ​ |  | 301 | ​ |  | (94) | ​ |  | 1,221 | ​ |  | 383 | ​ |  | (8) | ​ |  | (53) | ​ |  | 1 | ​ |  | 1,751
Ending balance | ​ | $ | 18,055 | ​ | $ | 10,477 | ​ | $ | 14,437 | ​ | $ | 3,278 | ​ | $ | 2,082 | ​ | $ | 938 | ​ | $ | 156 | ​ | $ | 49,423
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Nine Months Ended September 30, 2020
​ | ​ | Beginning | ​ | ​ | ​ | ​ | Beginning | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | balance, | ​ | ​ | ​ | ​ | balance, | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | prior to the | ​ | ​ | ​ | ​ | after | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | adoption of | ​ | Impact of | ​ | adoption of | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Steuben | ​ | ​ | ​ | ​ | Ending
(000’s omitted) |  | ASC 326 |  | ASC 326 |  | ASC 326 |  | Charge-offs |  | Recoveries |  | acquisition |  | Provision |  | balance
Business lending | ​ | $ | 19,426 | ​ | $ | 288 | ​ | $ | 19,714 | ​ | $ | (919) | ​ | $ | 289 | ​ | $ | 2,483 | ​ | $ | 5,507 | ​ | $ | 27,074
Consumer mortgage | ​ |  | 10,269 | ​ |  | (1,051) | ​ |  | 9,218 | ​ |  | (668) | ​ |  | 67 | ​ |  | 146 | ​ |  | 3,501 | ​ |  | 12,264
Consumer indirect | ​ |  | 13,712 | ​ |  | (997) | ​ |  | 12,715 | ​ |  | (4,791) | ​ |  | 3,107 | ​ |  | 183 | ​ |  | 3,519 | ​ |  | 14,733
Consumer direct | ​ |  | 3,255 | ​ |  | (643) | ​ |  | 2,612 | ​ |  | (1,214) | ​ |  | 578 | ​ |  | 87 | ​ |  | 1,730 | ​ |  | 3,793
Home equity | ​ |  | 2,129 | ​ |  | 808 | ​ |  | 2,937 | ​ |  | (178) | ​ |  | 23 | ​ |  | 235 | ​ |  | (470) | ​ |  | 2,547
Unallocated | ​ |  | 957 | ​ |  | 43 | ​ |  | 1,000 | ​ |  | 0 | ​ |  | 0 | ​ |  | 0 | ​ |  | 4 | ​ |  | 1,004
Purchased credit deteriorated | ​ |  | 0 | ​ |  | 3,072 | ​ |  | 3,072 | ​ |  | (91) | ​ |  | 80 | ​ |  | 528 | ​ |  | (42) | ​ |  | 3,547
Purchased credit impaired | ​ |  | 163 | ​ |  | (163) | ​ |  | 0 | ​ |  | 0 | ​ |  | 0 | ​ |  | 0 | ​ |  | 0 | ​ |  | 0
Allowance for credit losses | ​ |  | 49,911 | ​ |  | 1,357 | ​ |  | 51,268 | ​ |  | (7,861) | ​ |  | 4,144 | ​ |  | 3,662 | ​ |  | 13,749 | ​ |  | 64,962
Liabilities for off-balance-sheet credit exposures | ​ |  | 0 | ​ |  | 1,185 | ​ |  | 1,185 | ​ |  | 0 | ​ |  | 0 | ​ |  | 67 | ​ |  | 363 | ​ |  | 1,615
Total allowance for credit losses and liabilities for off-balance-sheet credit exposures | ​ | $ | 49,911 | ​ | $ | 2,542 | ​ | $ | 52,453 | ​ | $ | (7,861) | ​ | $ | 4,144 | ​ | $ | 3,729 | ​ | $ | 14,112 | ​ | $ | 66,577
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Nine Months Ended September 30, 2019
​ | ​ | Business | ​ | Consumer | ​ | Consumer | ​ | Consumer | ​ | Home | ​ | ​ | ​ | ​ | Acquired | ​ |  | ​
(000’s omitted) |  | Lending |  | Mortgage |  | Indirect |  | Direct |  | Equity |  | Unallocated |  | Impaired |  | Total
Beginning balance | ​ | $ | 18,522 | ​ | $ | 10,124 | ​ | $ | 14,366 | ​ | $ | 3,095 | ​ | $ | 2,144 | ​ | $ | 1,000 | ​ | $ | 33 | ​ | $ | 49,284
Charge-offs | ​ |  | (1,774) | ​ |  | (1,040) | ​ |  | (5,529) | ​ |  | (1,436) | ​ |  | (223) | ​ |  | 0 | ​ |  | 0 | ​ |  | (10,002)
Recoveries | ​ |  | 593 | ​ |  | 44 | ​ |  | 3,296 | ​ |  | 567 | ​ |  | 68 | ​ |  | 0 | ​ |  | 0 | ​ |  | 4,568
Provision | ​ |  | 714 | ​ |  | 1,349 | ​ |  | 2,304 | ​ |  | 1,052 | ​ |  | 93 | ​ |  | (62) | ​ |  | 123 | ​ |  | 5,573
Ending balance | ​ | $ | 18,055 | ​ | $ | 10,477 | ​ | $ | 14,437 | ​ | $ | 3,278 | ​ | $ | 2,082 | ​ | $ | 938 | ​ | $ | 156 | ​ | $ | 49,423
Carrying Amounts of Loans Purchased and Sold | The following table presents the carrying amounts of loans purchased and sold during the nine months ended September 30, 2020 by portfolio segment: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Business | ​ | Consumer | ​ | Consumer | ​ | Consumer | ​ | Home | ​ | ​ | ​
(000’s omitted) |  | lending |  | mortgage |  | indirect |  | direct |  | equity |  | Total
Purchases | ​ | $ | 253,368 | ​ | $ | 26,721 | ​ | $ | 13,926 | ​ | $ | 5,994 | ​ | $ | 39,554 | ​ | $ | 339,563
Sales | ​ | ​ | 0 | ​ | ​ | 37,409 | ​ | ​ | 0 | ​ | ​ | 0 | ​ | ​ | 0 | ​ | ​ | 37,409
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 September 30, 2020 and December 31, 2019: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Revolving | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Loans | ​ | ​ | ​
(000’s omitted) | ​ | Term Loans Amortized Cost Basis by Origination Year | ​ | Amortized | ​ | ​ | ​
September 30, 2020 |  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | 2016 |  | Prior |  | Cost Basis |  | Total
Business lending: |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |
Risk rating |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |
Pass | ​ | $ | 783,726 | ​ | $ | 351,036 | ​ | $ | 337,662 | ​ | $ | 243,816 | ​ | $ | 246,551 | ​ | $ | 576,220 | ​ | $ | 483,163 | ​ | $ | 3,022,174
Special mention | ​ |  | 14,008 | ​ |  | 39,130 | ​ |  | 20,714 | ​ |  | 19,157 | ​ |  | 29,987 | ​ |  | 65,627 | ​ |  | 53,293 | ​ |  | 241,916
Classified | ​ |  | 5,942 | ​ |  | 2,852 | ​ |  | 28,228 | ​ |  | 14,084 | ​ |  | 14,363 | ​ |  | 61,121 | ​ |  | 41,996 | ​ |  | 168,586
Doubtful | ​ |  | 0 | ​ |  | 0 | ​ |  | 0 | ​ |  | 0 | ​ |  | 0 | ​ |  | 0 | ​ |  | 889 | ​ |  | 889
Total business lending | ​ | $ | 803,676 | ​ | $ | 393,018 | ​ | $ | 386,604 | ​ | $ | 277,057 | ​ | $ | 290,901 | ​ | $ | 702,968 | ​ | $ | 579,341 | ​ | $ | 3,433,565
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | 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 September 30, 2020: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | ​ |  | Revolving |  |  | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Loans | ​ | ​ | ​
(000’s omitted) | ​ | Term Loans Amortized Cost Basis by Origination Year | ​ | Amortized | ​ | ​ | ​
September 30, 2020 |  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | 2016 |  | Prior |  | Cost Basis |  | Total
Consumer mortgage: | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​
FICO AB | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​
Performing | ​ | $ | 182,675 | ​ | $ | 237,891 | ​ | $ | 176,837 | ​ | $ | 175,605 | ​ | $ | 170,844 | ​ | $ | 664,129 | ​ | $ | 582 | ​ | $ | 1,608,563
Nonperforming | ​ |  | 0 | ​ |  | 0 | ​ |  | 329 | ​ |  | 444 | ​ |  | 311 | ​ |  | 3,556 | ​ |  | 0 | ​ |  | 4,640
Total FICO AB | ​ |  | 182,675 | ​ |  | 237,891 | ​ |  | 177,166 | ​ |  | 176,049 | ​ |  | 171,155 | ​ |  | 667,685 | ​ |  | 582 | ​ |  | 1,613,203
FICO CDE | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​
Performing | ​ |  | 75,419 | ​ |  | 106,072 | ​ |  | 84,280 | ​ |  | 79,292 | ​ |  | 87,578 | ​ |  | 337,097 | ​ |  | 13,945 | ​ |  | 783,683
Nonperforming | ​ |  | 0 | ​ |  | 647 | ​ |  | 482 | ​ |  | 813 | ​ |  | 1,530 | ​ |  | 9,891 | ​ |  | 0 | ​ |  | 13,363
Total FICO CDE | ​ |  | 75,419 | ​ |  | 106,719 | ​ |  | 84,762 | ​ |  | 80,105 | ​ |  | 89,108 | ​ |  | 346,988 | ​ |  | 13,945 | ​ |  | 797,046
Total consumer mortgage | ​ | $ | 258,094 | ​ | $ | 344,610 | ​ | $ | 261,928 | ​ | $ | 256,154 | ​ | $ | 260,263 | ​ | $ | 1,014,673 | ​ | $ | 14,527 | ​ | $ | 2,410,249
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consumer indirect: | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​
Performing | ​ | $ | 227,697 | ​ | $ | 338,279 | ​ | $ | 230,246 | ​ | $ | 100,529 | ​ | $ | 73,331 | ​ | $ | 69,830 | ​ | $ | 0 | ​ | $ | 1,039,912
Nonperforming | ​ |  | 0 | ​ |  | 5 | ​ |  | 0 | ​ |  | 4 | ​ |  | 1 | ​ |  | 3 | ​ |  | 0 | ​ |  | 13
Total consumer indirect | ​ | $ | 227,697 | ​ | $ | 338,284 | ​ | $ | 230,246 | ​ | $ | 100,533 | ​ | $ | 73,332 | ​ | $ | 69,833 | ​ |  | 0 | ​ | $ | 1,039,925
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consumer direct: | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​
Performing | ​ | $ | 42,905 | ​ | $ | 53,421 | ​ | $ | 32,359 | ​ | $ | 14,773 | ​ | $ | 6,707 | ​ | $ | 4,722 | ​ | $ | 6,715 | ​ | $ | 161,602
Nonperforming | ​ |  | 0 | ​ |  | 4 | ​ |  | 9 | ​ |  | 0 | ​ |  | 24 | ​ |  | 0 | ​ |  | 0 | ​ |  | 37
Total consumer direct | ​ | $ | 42,905 | ​ | $ | 53,425 | ​ | $ | 32,368 | ​ | $ | 14,773 | ​ | $ | 6,731 | ​ | $ | 4,722 | ​ | $ | 6,715 | ​ | $ | 161,639
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Home equity: | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​
Performing | ​ | $ | 40,760 | ​ | $ | 51,240 | ​ | $ | 29,904 | ​ | $ | 25,286 | ​ | $ | 19,964 | ​ | $ | 39,429 | ​ | $ | 204,281 | ​ | $ | 410,864
Nonperforming | ​ |  | 0 | ​ |  | 0 | ​ |  | 82 | ​ |  | 110 | ​ |  | 212 | ​ |  | 481 | ​ |  | 1,516 | ​ |  | 2,401
Total home equity | ​ | $ | 40,760 | ​ | $ | 51,240 | ​ | $ | 29,986 | ​ | $ | 25,396 | ​ | $ | 20,176 | ​ | $ | 39,910 | ​ | $ | 205,797 | ​ | $ | 413,265
​ The following table details the balances in all other loan categories at December 31, 2019: Legacy Loans (excludes loans acquired after January 1, 2009) ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | Consumer |  | Consumer |  | Consumer |  | Home |  | ​ | ​
(000’s omitted) |  | Mortgage |  | Indirect |  | Direct |  | 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) ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | Consumer |  | Consumer |  | Consumer |  | Home |  | ​ | ​
(000’s omitted) | ​ | Mortgage | ​ | Indirect | ​ | Direct | ​ | 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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