Loans and Leases Receivable Disclosure [Line Items]

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 PCD loans, by segment as of September 30, 2021:


	Past Due		90+ Days Past
	30 – 89		Due and				Total
(000’s omitted)	Days		Still Accruing		Nonaccrual		Past Due		Current		Total Loans
Business lending	$	5,109	$	148	$	47,820	$	53,077	$	3,039,100	$	3,092,177
Consumer mortgage		8,869		1,288		15,605		25,762		2,445,212		2,470,974
Consumer indirect		8,638		131		0		8,769		1,159,609		1,168,378
Consumer direct		608		19		1		628		154,974		155,602
Home equity		1,991		288		2,541		4,820		390,631		395,451
Total	$	25,215	$	1,874	$	65,967	$	93,056	$	7,189,526	$	7,282,582

The following table presents the aging of the amortized cost basis of the Company’s past due loans, including 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

Schedule of troubled debt restructurings on financing receivables

Information regarding TDRs as of September 30, 2021 and December 31, 2020 is as follows:


	September 30, 2021									December 31, 2020
(000’s omitted)	Nonaccrual			Accruing			Total			Nonaccrual			Accruing			Total
	#	Amount		#	Amount		#	Amount		#	Amount		#	Amount		#	Amount
Business lending	10	$	458	5	$	175	15	$	633	6	$	529	4	$	191	10	$	720
Consumer mortgage	62		2,828	44		2,307	106		5,135	56		2,413	48		2,266	104		4,679
Consumer indirect	0		0	73		816	73		816	0		0	86		951	86		951
Consumer direct	0		0	17		10	17		10	0		0	23		85	23		85
Home equity	10		244	12		240	22		484	11		285	13		264	24		549
Total	82	$	3,530	151	$	3,548	233	$	7,078	73	$	3,227	174	$	3,757	247	$	6,984

The following table presents information related to loans modified in a TDR during the three months and nine months ended September 30, 2021 and 2020. Of the loans noted in the table below, all consumer mortgage loans for the three months and nine months ended September 30, 2021 and 2020 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, 2021			September 30, 2020
	Number of	Outstanding		Number of	Outstanding
(000’s omitted)	loans modified	Balance		loans modified	Balance
Business lending	5	$	1,925	0	$	0
Consumer mortgage	9		728	8		646
Consumer indirect	5		78	14		131
Consumer direct	1		2	1		2
Home equity	0		0	2		56
Total	20	$	2,733	25	$	835


	Nine Months Ended			Nine Months Ended
	September 30, 2021			September 30, 2020
	Number of	Outstanding		Number of	Outstanding
(000’s omitted)	loans modified	Balance		loans modified	Balance
Business lending	5	$	1,925	0	$	0
Consumer mortgage	19		1,193	17		1,378
Consumer indirect	17		222	25		261
Consumer direct	2		8	2		12
Home equity	0		0	2		56
Total	43	$	3,348	46	$	1,707

Schedule of financing receivables purchased and Sold

The following table presents the carrying amounts of loans purchased and sold during the nine months ended September 30, 2021 by portfolio segment:


	Business		Consumer		Consumer		Consumer		Home
(000’s omitted)	lending		mortgage		indirect		direct		equity		Total
Purchases	$	0	$	0	$	0	$	0	$	0	$	0
Sales		848		16,955		0		0		0		17,803

Loans and Leases Receivable Disclosure [Line Items]

Schedule of loans by credit quality indicator


													Revolving
													Loans
(000’s omitted)	Term Loans Amortized Cost Basis by Origination Year												Amortized
September 30, 2021	2021		2020		2019		2018		2017		Prior		Cost Basis		Total
Consumer mortgage:
FICO AB⁽¹⁾
Performing	$	360,580	$	237,931	$	195,086	$	127,786	$	125,836	$	612,420	$	0	$	1,659,639
Nonperforming		0		0		0		256		475		2,851		0		3,582
Total FICO AB		360,580		237,931		195,086		128,042		126,311		615,271		0		1,663,221
FICO CDE⁽²⁾
Performing		109,400		125,742		91,312		65,967		58,841		323,974		19,206		794,442
Nonperforming		80		232		977		679		781		10,562		0		13,311
Total FICO CDE		109,480		125,974		92,289		66,646		59,622		334,536		19,206		807,753
Total consumer mortgage	$	470,060	$	363,905	$	287,375	$	194,688	$	185,933	$	949,807	$	19,206	$	2,470,974

Consumer indirect:
Performing	$	480,254	$	229,368	$	209,894	$	126,128	$	48,624	$	73,979	$	0	$	1,168,247
Nonperforming		0		39		74		9		9		0		0		131
Total consumer indirect	$	480,254	$	229,407	$	209,968	$	126,137	$	48,633	$	73,979	$	0	$	1,168,378

Consumer direct:
Performing	$	61,119	$	32,913	$	29,379	$	15,118	$	5,668	$	5,259	$	6,126	$	155,582
Nonperforming		0		0		1		4		0		14		1		20
Total consumer direct	$	61,119	$	32,913	$	29,380	$	15,122	$	5,668	$	5,273	$	6,127	$	155,602

Home equity:
Performing	$	56,317	$	45,314	$	39,025	$	21,292	$	17,137	$	39,052	$	174,485	$	392,622
Nonperforming		0		118		21		104		96		793		1,697		2,829
Total home equity	$	56,317	$	45,432	$	39,046	$	21,396	$	17,233	$	39,845	$	176,182	$	395,451

(1)

FICO AB refers to higher tiered loans with FICO scores greater than or equal to 720.

(2)

FICO CDE refers to loans with FICO scores less than 720 and potentially higher risk.

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⁽¹⁾
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⁽²⁾
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

(1)

FICO AB refers to higher tiered loans with FICO scores greater than or equal to 720.

(2)

FICO CDE refers to loans with FICO scores less than 720 and potentially higher risk.