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LOANS (Tables) | 12 Months Ended
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Dec. 31, 2020
Loans and Leases Receivable Disclosure [Line Items] |
Schedule of loans receivable, net | ​
​ | ​ | ​ | ​ | ​ | ​ | ​
(000’s omitted) | ​ | 2020 |  | 2019
Business lending | ​ | $ | 3,440,077 | ​ | $ | 2,775,876
Consumer mortgage | ​ |  | 2,401,499 | ​ |  | 2,430,902
Consumer indirect | ​ |  | 1,021,885 | ​ |  | 1,113,062
Consumer direct | ​ |  | 152,657 | ​ |  | 184,378
Home equity | ​ |  | 399,834 | ​ |  | 386,325
Gross loans, including deferred origination costs | ​ |  | 7,415,952 | ​ |  | 6,890,543
Allowance for credit losses | ​ |  | (60,869) | ​ |  | (49,911)
Loans, net of allowance for credit losses | ​ | $ | 7,355,083 | ​ | $ | 6,840,632
​
Schedule of aggregate amounts loaned to related parties | Certain directors and executive officers of the Company, as well as associates of such persons, are loan customers. Loans to these individuals were made in the ordinary course of business under normal credit terms and do not have more than a normal risk of collection. Following is a summary of the aggregate amount of such loans during 2020 and 2019. ​
​ | ​ | ​ | ​ | ​ | ​ | ​
(000’s omitted) |  | 2020 |  | 2019
Balance at beginning of year | ​ | $ | 17,486 | ​ | $ | 20,661
New loans | ​ |  | 4,194 | ​ |  | 5,720
Payments | ​ |  | (6,131) | ​ |  | (8,895)
Balance at end of year | ​ | $ | 15,549 | ​ | $ | 17,486
Schedule of 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, including purchased credit deteriorated (“PCD”) loans, by segment as of December 31, 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 | ​ | $ | 4,896 | ​ | $ | 59 | ​ | $ | 55,709 | ​ | $ | 60,664 | ​ | $ | 3,379,413 | ​ | $ | 3,440,077
Consumer mortgage | ​ |  | 13,236 | ​ |  | 3,051 | ​ |  | 14,970 | ​ |  | 31,257 | ​ |  | 2,370,242 | ​ |  | 2,401,499
Consumer indirect | ​ |  | 13,161 | ​ |  | 219 | ​ |  | 1 | ​ |  | 13,381 | ​ |  | 1,008,504 | ​ |  | 1,021,885
Consumer direct | ​ |  | 1,170 | ​ |  | 28 | ​ |  | 3 | ​ |  | 1,201 | ​ |  | 151,456 | ​ |  | 152,657
Home equity | ​ |  | 2,296 | ​ |  | 565 | ​ |  | 2,246 | ​ |  | 5,107 | ​ |  | 394,727 | ​ |  | 399,834
Total | ​ | $ | 34,759 | ​ | $ | 3,922 | ​ | $ | 72,929 | ​ | $ | 111,610 | ​ | $ | 7,304,342 | ​ | $ | 7,415,952
​ 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.
Schedule of non-business impaired loans | All loan classes are collectively evaluated for impairment except business lending. A summary of individually evaluated impaired business lending loans as of December 31, 2020 and December 31, 2019 follows: ​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, | ​ | December 31,
(000’s omitted) |  | 2020 |  | 2019
Loans with allowance allocation | ​ | $ | 27,437 | ​ | $ | 0
Loans without allowance allocation | ​ |  | 8,138 | ​ |  | 1,414
Carrying balance | ​ |  | 35,575 | ​ |  | 1,414
Contractual balance | ​ |  | 38,362 | ​ |  | 2,944
Specifically allocated allowance | ​ |  | 3,874 | ​ |  | 0
​
Schedule of troubled debt restructurings on financing receivables | Information regarding TDRs as of December 31, 2020 and December 31, 2019 is as follows: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, 2020 |  | December 31, 2019
(000’s omitted) | ​ | Nonaccrual | ​ | Accruing | ​ | Total | ​ | Nonaccrual | ​ | Accruing | ​ | Total
​ | ​ | # |  | Amount |  | # |  | Amount |  | # |  | Amount |  | # |  | Amount |  | # |  | Amount |  | # |  | Amount
Business lending | ​ | 6 | ​ | $ | 529 |  | 4 | ​ | $ | 191 |  | 10 | ​ | $ | 720 |  | 8 | ​ | $ | 681 |  | 3 | ​ | $ | 201 |  | 11 | ​ | $ | 882
Consumer mortgage | ​ | 56 | ​ |  | 2,413 |  | 48 | ​ |  | 2,266 |  | 104 | ​ |  | 4,679 |  | 59 | ​ |  | 2,638 |  | 47 | ​ |  | 1,892 |  | 106 | ​ |  | 4,530
Consumer indirect | ​ | 0 | ​ |  | 0 |  | 86 | ​ |  | 951 |  | 86 | ​ |  | 951 |  | 0 | ​ |  | 0 |  | 84 | ​ |  | 941 |  | 84 | ​ |  | 941
Consumer direct | ​ | 0 | ​ |  | 0 |  | 23 | ​ |  | 85 |  | 23 | ​ |  | 85 |  | 0 | ​ |  | 0 |  | 23 | ​ |  | 101 |  | 23 | ​ |  | 101
Home equity | ​ | 11 | ​ |  | 285 |  | 13 | ​ |  | 264 |  | 24 | ​ |  | 549 |  | 13 | ​ |  | 290 |  | 11 | ​ |  | 238 |  | 24 | ​ |  | 528
Total | ​ | 73 | ​ | $ | 3,227 |  | 174 | ​ | $ | 3,757 |  | 247 | ​ | $ | 6,984 |  | 80 | ​ | $ | 3,609 |  | 168 | ​ | $ | 3,373 |  | 248 | ​ | $ | 6,982
​ The following table presents information related to loans modified in a TDR during the years ended December 31, 2020 and 2019. Of the loans noted in the table below, all consumer mortgage loans for the years ended December 31, 2020 and December 31, 2019, were modified due to a Chapter 7 bankruptcy as described previously. The financial effects of these restructurings were immaterial. ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | December 31, 2020 |  | December 31, 2019
(000’s omitted) |  | # |  | Amount |  | # |  | Amount
Business lending | ​ | 1 | ​ | $ | 4 | ​ | 6 | ​ | $ | 685
Consumer mortgage | ​ | 17 | ​ |  | 1,339 | ​ | 22 | ​ |  | 1,519
Consumer indirect | ​ | 31 | ​ |  | 333 | ​ | 33 | ​ |  | 364
Consumer direct | ​ | 3 | ​ |  | 10 | ​ | 6 | ​ |  | 49
Home equity | ​ | 3 | ​ |  | 70 | ​ | 6 | ​ |  | 181
Total | ​ | 55 | ​ | $ | 1,756 | ​ | 73 | ​ | $ | 2,798
​
Schedule of allowance for loan losses by class | The following presents by segment the activity in the allowance for credit losses during 2020 and 2019: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | Year Ended December 31, 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 | ​ | $ | (1,497) | ​ | $ | 356 | ​ | $ | 2,343 | ​ | $ | 7,274 | ​ | $ | 28,190
Consumer mortgage | ​ |  | 10,269 | ​ |  | (1,051) | ​ |  | 9,218 | ​ |  | (862) | ​ |  | 130 | ​ |  | 146 | ​ |  | 2,040 | ​ |  | 10,672
Consumer indirect | ​ |  | 13,712 | ​ |  | (997) | ​ |  | 12,715 | ​ |  | (6,382) | ​ |  | 3,992 | ​ |  | 183 | ​ |  | 3,188 | ​ |  | 13,696
Consumer direct | ​ |  | 3,255 | ​ |  | (643) | ​ |  | 2,612 | ​ |  | (1,633) | ​ |  | 743 | ​ |  | 87 | ​ |  | 1,398 | ​ |  | 3,207
Home equity | ​ |  | 2,129 | ​ |  | 808 | ​ |  | 2,937 | ​ |  | (199) | ​ |  | 28 | ​ |  | 235 | ​ |  | (779) | ​ |  | 2,222
Unallocated | ​ |  | 957 | ​ |  | 43 | ​ |  | 1,000 | ​ |  | 0 | ​ |  | 0 | ​ |  | 0 | ​ |  | 0 | ​ |  | 1,000
Purchased credit deteriorated | ​ |  | 0 | ​ |  | 3,072 | ​ |  | 3,072 | ​ |  | (91) | ​ |  | 440 | ​ |  | 668 | ​ |  | (2,207) | ​ |  | 1,882
Acquired impaired | ​ |  | 163 | ​ |  | (163) | ​ |  | 0 | ​ |  | 0 | ​ |  | 0 | ​ |  | 0 | ​ |  | 0 | ​ |  | 0
Allowance for credit losses | ​ |  | 49,911 | ​ |  | 1,357 | ​ |  | 51,268 | ​ |  | (10,664) | ​ |  | 5,689 | ​ |  | 3,662 | ​ |  | 10,914 | ​ |  | 60,869
Liabilities for off-balance-sheet credit exposures | ​ |  | 0 | ​ |  | 1,185 | ​ |  | 1,185 | ​ |  | 0 | ​ |  | 0 | ​ |  | 67 | ​ |  | 237 | ​ |  | 1,489
Total allowance for credit losses and liabilities for off-balance-sheet credit exposures | ​ | $ | 49,911 | ​ | $ | 2,542 | ​ | $ | 52,453 | ​ | $ | (10,664) | ​ | $ | 5,689 | ​ | $ | 3,729 | ​ | $ | 11,151 | ​ | $ | 62,358
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Year Ended December 31, 2019
​ |  | Business |  | Consumer |  | Consumer |  | Consumer |  | Home |  | ​ | ​ |  | Acquired |  | ​ | ​
(000’s omitted) | ​ | Lending | ​ | Mortgage | ​ | Indirect | ​ | Direct | ​ | Equity | ​ | Unallocated | ​ | Impaired | ​ | Total
Balance at December 31, 2018 | ​ |  | 18,522 | ​ |  | 10,124 | ​ |  | 14,366 | ​ |  | 3,095 | ​ |  | 2,144 | ​ |  | 1,000 | ​ |  | 33 | ​ |  | 49,284
Charge-offs | ​ |  | (2,334) | ​ |  | (1,372) | ​ |  | (7,631) | ​ |  | (1,945) | ​ |  | (445) | ​ |  | 0 | ​ |  | 0 | ​ |  | (13,727)
Recoveries | ​ |  | 826 | ​ |  | 60 | ​ |  | 4,180 | ​ |  | 710 | ​ |  | 148 | ​ |  | 0 | ​ |  | 0 | ​ |  | 5,924
Provision | ​ |  | 2,412 | ​ |  | 1,457 | ​ |  | 2,797 | ​ |  | 1,395 | ​ |  | 282 | ​ |  | (43) | ​ |  | 130 | ​ |  | 8,430
Balance at December 31, 2019 | ​ | $ | 19,426 | ​ | $ | 10,269 | ​ | $ | 13,712 | ​ | $ | 3,255 | ​ | $ | 2,129 | ​ | $ | 957 | ​ | $ | 163 | ​ | $ | 49,911
Schedule of financing receivables purchased and Sold | The following table presents the carrying amounts of loans purchased and sold during the year ended December 31, 2020 by portfolio segment: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
(000’s omitted) |  | Business lending |  | Consumer mortgage |  | Consumer indirect |  | Consumer direct |  | Home equity |  | Total
Purchases | ​ | $ | 253,509 | ​ | $ | 26,721 | ​ | $ | 13,926 | ​ | $ | 5,994 | ​ | $ | 39,554 | ​ | $ | 339,704
Sales | ​ |  | 0 | ​ |  | 79,709 | ​ |  | 0 | ​ |  | 0 | ​ |  | 0 | ​ |  | 79,709
Business Lending [Member] |
Loans and Leases Receivable Disclosure [Line Items] |
Schedule of loans by credit quality indicator | ​ The following tables show the amount of business lending loans by credit quality category at December 31, 2020 and December 31, 2019: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Revolving | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Loans | ​ | ​ | ​
(000’s omitted) | ​ | Term Loans Amortized Cost Basis by Origination Year | ​ | Amortized | ​ | ​ | ​
December 31, 2020 | ​ | 2020 | ​ | 2019 | ​ | 2018 | ​ | 2017 | ​ | 2016 | ​ | Prior | ​ | Cost Basis | ​ | Total
Business lending: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating | ​ | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |
Pass | ​ | $ | 860,178 | ​ | $ | 351,350 | ​ | $ | 312,087 | ​ | $ | 217,138 | ​ | $ | 231,453 | ​ | $ | 543,999 | ​ | $ | 483,018 | ​ | $ | 2,999,223
Special mention | ​ |  | 14,687 | ​ |  | 36,041 | ​ |  | 28,410 | ​ |  | 21,875 | ​ |  | 29,386 | ​ |  | 51,657 | ​ |  | 52,732 | ​ |  | 234,788
Classified | ​ |  | 6,336 | ​ |  | 4,560 | ​ |  | 30,422 | ​ |  | 24,807 | ​ |  | 14,891 | ​ |  | 65,157 | ​ |  | 56,000 | ​ |  | 202,173
Doubtful | ​ |  | 0 | ​ |  | 18 | ​ |  | 2,888 | ​ |  | 0 | ​ |  | 0 | ​ |  | 108 | ​ |  | 879 | ​ |  | 3,893
Total business lending | ​ | $ | 881,201 | ​ | $ | 391,969 | ​ | $ | 373,807 | ​ | $ | 263,820 | ​ | $ | 275,730 | ​ | $ | 660,921 | ​ | $ | 592,629 | ​ | $ | 3,440,077
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 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] |
Schedule of 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 December 31, 2020: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Revolving | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Loans | ​ | ​ | ​
(000’s omitted) | ​ | Term Loans Amortized Cost Basis by Origination Year | ​ | Amortized | ​ | ​ | ​
December 31, 2020 |  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | 2016 |  | Prior |  | Cost Basis |  | Total
Consumer mortgage: |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |
FICO AB |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |
Performing | ​ | $ | 260,588 | ​ | $ | 227,027 | ​ | $ | 166,638 | ​ | $ | 163,653 | ​ | $ | 160,911 | ​ | $ | 614,976 | ​ | $ | 321 | ​ | $ | 1,594,114
Nonperforming | ​ |  | 0 | ​ |  | 0 | ​ |  | 275 | ​ |  | 398 | ​ |  | 345 | ​ |  | 2,709 | ​ |  | 0 | ​ |  | 3,727
Total FICO AB | ​ |  | 260,588 | ​ |  | 227,027 | ​ |  | 166,913 | ​ |  | 164,051 | ​ |  | 161,256 | ​ |  | 617,685 | ​ |  | 321 | ​ |  | 1,597,841
FICO CDE | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |
Performing | ​ |  | 115,049 | ​ |  | 102,788 | ​ |  | 80,973 | ​ |  | 75,289 | ​ |  | 83,214 | ​ |  | 314,668 | ​ |  | 17,382 | ​ |  | 789,363
Nonperforming | ​ |  | 0 | ​ |  | 1,010 | ​ |  | 582 | ​ |  | 877 | ​ |  | 1,786 | ​ |  | 10,040 | ​ |  | 0 | ​ |  | 14,295
Total FICO CDE | ​ |  | 115,049 | ​ |  | 103,798 | ​ |  | 81,555 | ​ |  | 76,166 | ​ |  | 85,000 | ​ |  | 324,708 | ​ |  | 17,382 | ​ |  | 803,658
Total consumer mortgage | ​ | $ | 375,637 | ​ | $ | 330,825 | ​ | $ | 248,468 | ​ | $ | 240,217 | ​ | $ | 246,256 | ​ | $ | 942,393 | ​ | $ | 17,703 | ​ | $ | 2,401,499
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consumer indirect: | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |
Performing | ​ | $ | 303,471 | ​ | $ | 305,901 | ​ | $ | 202,373 | ​ | $ | 86,497 | ​ | $ | 61,449 | ​ | $ | 61,975 | ​ | $ | 0 | ​ | $ | 1,021,666
Nonperforming | ​ |  | 51 | ​ |  | 52 | ​ |  | 82 | ​ |  | 17 | ​ |  | 16 | ​ |  | 1 | ​ |  | 0 | ​ |  | 219
Total consumer indirect | ​ | $ | 303,522 | ​ | $ | 305,953 | ​ | $ | 202,455 | ​ | $ | 86,514 | ​ | $ | 61,465 | ​ | $ | 61,976 | ​ | $ | 0 | ​ | $ | 1,021,885
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consumer direct: | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |
Performing | ​ | $ | 49,181 | ​ | $ | 46,992 | ​ | $ | 27,872 | ​ | $ | 12,326 | ​ | $ | 5,232 | ​ | $ | 4,146 | ​ | $ | 6,878 | ​ | $ | 152,627
Nonperforming | ​ |  | 1 | ​ |  | 19 | ​ |  | 2 | ​ |  | 5 | ​ |  | 0 | ​ |  | 3 | ​ |  | 0 | ​ |  | 30
Total consumer direct | ​ | $ | 49,182 | ​ | $ | 47,011 | ​ | $ | 27,874 | ​ | $ | 12,331 | ​ | $ | 5,232 | ​ | $ | 4,149 | ​ | $ | 6,878 | ​ | $ | 152,657
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Home equity: | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |
Performing | ​ | $ | 48,145 | ​ | $ | 48,780 | ​ | $ | 28,074 | ​ | $ | 23,524 | ​ | $ | 17,828 | ​ | $ | 35,900 | ​ | $ | 194,773 | ​ | $ | 397,024
Nonperforming | ​ |  | 0 | ​ |  | 24 | ​ |  | 73 | ​ |  | 104 | ​ |  | 183 | ​ |  | 490 | ​ |  | 1,936 | ​ |  | 2,810
Total home equity | ​ | $ | 48,145 | ​ | $ | 48,804 | ​ | $ | 28,147 | ​ | $ | 23,628 | ​ | $ | 18,011 | ​ | $ | 36,390 | ​ | $ | 196,709 | ​ | $ | 399,834
​ 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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