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Allowance for Loan Losses and Credit Quality of Loans (Tables) | 3 Months Ended
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Mar. 31, 2015
Allowance for Loan Losses and Credit Quality of Loans [Abstract] |
Portfolio and class segments | The following table illustrates the portfolio and class segments for the Company's loan portfolio:
Portfolio | Class
Commercial Loans | Commercial
| Commercial Real Estate
| Agricultural
| Agricultural Real Estate
| Business Banking
Consumer Loans | Indirect
| Home Equity
| Direct
Residential Real Estate Mortgages |
Allowance for loan losses by portfolio | The following tables illustrate the changes in the allowance for loan losses by our portfolio segments for the three months ended March 31, 2015 and 2014:
Three months ended March 31, |  | Commercial Loans |  |  | Consumer Loans |  |  | Residential Real Estate Mortgages |  |  | Unallocated |  |  | Total |
Balance as of December 31, 2014 |  | $ | 32,433 |  |  | $ | 26,720 |  |  | $ | 7,130 |  |  | $ | 76 |  |  | $ | 66,359 |
Charge-offs |  |  | (798 | ) |  |  | (4,378 | ) |  |  | (504 | ) |  |  | - |  |  |  | (5,680 | )
Recoveries |  |  | 234 |  |  |  | 748 |  |  |  | 56 |  |  |  | - |  |  |  | 1,038 |
Provision |  |  | (591 | ) |  |  | 3,066 |  |  |  | 1,016 |  |  |  | 151 |  |  |  | 3,642 |
Ending Balance as of March 31, 2015 |  | $ | 31,278 |  |  | $ | 26,156 |  |  | $ | 7,698 |  |  | $ | 227 |  |  | $ | 65,359 |
Balance as of December 31, 2013 |  | $ | 35,090 |  |  | $ | 27,694 |  |  | $ | 6,520 |  |  | $ | 130 |  |  | $ | 69,434 |
Charge-offs |  |  | (479 | ) |  |  | (4,032 | ) |  |  | (319 | ) |  |  | - |  |  |  | (4,830 | )
Recoveries |  |  | 399 |  |  |  | 741 |  |  |  | 94 |  |  |  | - |  |  |  | 1,234 |
Provision |  |  | (573 | ) |  |  | 4,033 |  |  |  | (70 | ) |  |  | 206 |  |  |  | 3,596 |
Ending Balance as of March 31, 2014 |  | $ | 34,437 |  |  | $ | 28,436 |  |  | $ | 6,225 |  |  | $ | 336 |  |  | $ | 69,434 |
The following tables illustrate the allowance for loan losses and the recorded investment by portfolio segments as of March 31, 2015 and December 31, 2014: Allowance for Loan Losses and Recorded Investment in Loans (in thousands)
|  | Commercial Loans |  |  | Consumer Loans |  |  | Residential Real Estate Mortgages |  |  | Unallocated |  |  | Total |
As of March 31, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses |  | $ | 31,278 |  |  | $ | 26,156 |  |  | $ | 7,698 |  |  | $ | 227 |  |  | $ | 65,359 |
Allowance for loans individually evaluated for impairment |  |  | 2,950 |  |  |  | - |  |  |  | - |  |  |  |  |  |  |  | 2,950 |
Allowance for loans collectively evaluated for impairment |  | $ | 28,328 |  |  | $ | 26,156 |  |  | $ | 7,698 |  |  | $ | 227 |  |  | $ | 62,409 |
Ending balance of loans |  | $ | 2,484,300 |  |  | $ | 2,013,123 |  |  | $ | 1,125,600 |  |  |  |  |  |  | $ | 5,623,023 |
Ending balance of originated loans individually evaluated for impairment |  |  | 12,253 |  |  |  | 6,423 |  |  |  | 4,269 |  |  |  |  |  |  |  | 22,945 |
Ending balance of acquired loans individually evaluated for impairment |  |  | 9,772 |  |  |  | - |  |  |  | - |  |  |  |  |  |  |  | 9,772 |
Ending balance of acquired loans collectively evaluated for impairment |  |  | 315,466 |  |  |  | 132,675 |  |  |  | 260,857 |  |  |  |  |  |  |  | 708,998 |
Ending balance of originated loans collectively evaluated for impairment |  | $ | 2,146,809 |  |  | $ | 1,874,025 |  |  | $ | 860,474 |  |  |  |  |  |  | $ | 4,881,308 |
As of December 31, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses |  | $ | 32,433 |  |  | $ | 26,720 |  |  | $ | 7,130 |  |  | $ | 76 |  |  | $ | 66,359 |
Allowance for loans individually evaluated for impairment |  |  | 1,100 |  |  |  | - |  |  |  | - |  |  |  |  |  |  |  | 1,100 |
Allowance for loans collectively evaluated for impairment |  | $ | 31,333 |  |  | $ | 26,720 |  |  | $ | 7,130 |  |  | $ | 76 |  |  | $ | 65,259 |
Ending balance of loans |  | $ | 2,473,702 |  |  | $ | 2,005,980 |  |  | $ | 1,115,589 |  |  |  |  |  |  | $ | 5,595,271 |
Ending balance of originated loans individually evaluated for impairment |  |  | 11,079 |  |  |  | 5,498 |  |  |  | 3,544 |  |  |  |  |  |  |  | 20,121 |
Ending balance of acquired loans individually evaluated for impairment |  |  | 5,675 |  |  |  | - |  |  |  | - |  |  |  |  |  |  |  | 5,675 |
Ending balance of acquired loans collectively evaluated for impairment |  |  | 327,656 |  |  |  | 147,256 |  |  |  | 266,747 |  |  |  |  |  |  |  | 741,659 |
Ending balance of originated loans collectively evaluated for impairment |  | $ | 2,129,292 |  |  | $ | 1,853,226 |  |  | $ | 845,298 |  |  |  |  |  |  | $ | 4,827,816 |
Past due and nonperforming loans by loan class | The following tables set forth information with regard to past due and nonperforming loans by loan class as of March 31, 2015 and December 31, 2014: Age Analysis of Past Due Financing Receivables As of March 31, 2015 (in thousands)
|  | 31-60 Days Past Due Accruing |  |  | 61-90 Days Past Due Accruing |  |  | Greater Than 90 Days Past Due Accruing |  |  | Total Past Due Accruing |  |  | Non-Accrual |  |  | Current |  |  | Recorded Total Loans |
ORIGINATED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 348 |  |  | $ | - |  |  | $ | 35 |  |  | $ | 383 |  |  | $ | 1,019 |  |  | $ | 620,111 |  |  | $ | 621,513 |
Commercial Real Estate |  |  | 133 |  |  |  | 37 |  |  |  | - |  |  |  | 170 |  |  |  | 6,231 |  |  |  | 1,076,218 |  |  |  | 1,082,619 |
Agricultural |  |  | 129 |  |  |  | - |  |  |  | - |  |  |  | 129 |  |  |  | 800 |  |  |  | 31,080 |  |  |  | 32,009 |
Agricultural Real Estate |  |  | 7 |  |  |  | - |  |  |  | - |  |  |  | 7 |  |  |  | 561 |  |  |  | 23,963 |  |  |  | 24,531 |
Business Banking |  |  | 602 |  |  |  | 192 |  |  |  | 42 |  |  |  | 836 |  |  |  | 6,624 |  |  |  | 390,930 |  |  |  | 398,390 |
|  |  | 1,219 |  |  |  | 229 |  |  |  | 77 |  |  |  | 1,525 |  |  |  | 15,235 |  |  |  | 2,142,302 |  |  |  | 2,159,062 |
Consumer Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  |  | 11,794 |  |  |  | 2,348 |  |  |  | 1,722 |  |  |  | 15,864 |  |  |  | 2,056 |  |  |  | 1,327,653 |  |  |  | 1,345,573 |
Home Equity |  |  | 3,507 |  |  |  | 804 |  |  |  | 484 |  |  |  | 4,795 |  |  |  | 6,160 |  |  |  | 470,340 |  |  |  | 481,295 |
Direct |  |  | 375 |  |  |  | 80 |  |  |  | 22 |  |  |  | 477 |  |  |  | 130 |  |  |  | 52,973 |  |  |  | 53,580 |
|  |  | 15,676 |  |  |  | 3,232 |  |  |  | 2,228 |  |  |  | 21,136 |  |  |  | 8,346 |  |  |  | 1,850,966 |  |  |  | 1,880,448 |
Residential Real Estate Mortgages |  |  | 3,194 |  |  |  | 1,264 |  |  |  | 255 |  |  |  | 4,713 |  |  |  | 7,518 |  |  |  | 852,512 |  |  |  | 864,743 |
|  | $ | 20,089 |  |  | $ | 4,725 |  |  | $ | 2,560 |  |  | $ | 27,374 |  |  | $ | 31,099 |  |  | $ | 4,845,780 |  |  | $ | 4,904,253 |
ACQUIRED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 42 |  |  | $ | - |  |  | $ | - |  |  | $ | 42 |  |  | $ | 2,517 |  |  | $ | 70,010 |  |  | $ | 72,569 |
Commercial Real Estate |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 7,247 |  |  |  | 190,518 |  |  |  | 197,765 |
Business Banking |  |  | - |  |  |  | 2 |  |  |  | - |  |  |  | 2 |  |  |  | 488 |  |  |  | 54,414 |  |  |  | 54,904 |
|  |  | 42 |  |  |  | 2 |  |  |  | - |  |  |  | 44 |  |  |  | 10,252 |  |  |  | 314,942 |  |  |  | 325,238 |
Consumer Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  |  | 343 |  |  |  | 44 |  |  |  | 37 |  |  |  | 424 |  |  |  | 146 |  |  |  | 53,577 |  |  |  | 54,147 |
Home Equity |  |  | 212 |  |  |  | 50 |  |  |  | - |  |  |  | 262 |  |  |  | 427 |  |  |  | 73,029 |  |  |  | 73,718 |
Direct |  |  | 76 |  |  |  | 4 |  |  |  | 4 |  |  |  | 84 |  |  |  | 28 |  |  |  | 4,698 |  |  |  | 4,810 |
|  |  | 631 |  |  |  | 98 |  |  |  | 41 |  |  |  | 770 |  |  |  | 601 |  |  |  | 131,304 |  |  |  | 132,675 |
Residential Real Estate Mortgages |  |  | 1,472 |  |  |  | 650 |  |  |  | - |  |  |  | 2,122 |  |  |  | 3,101 |  |  |  | 255,634 |  |  |  | 260,857 |
|  | $ | 2,145 |  |  | $ | 750 |  |  | $ | 41 |  |  | $ | 2,936 |  |  | $ | 13,954 |  |  | $ | 701,880 |  |  | $ | 718,770 |
Total Loans |  | $ | 22,234 |  |  | $ | 5,475 |  |  | $ | 2,601 |  |  | $ | 30,310 |  |  | $ | 45,053 |  |  | $ | 5,547,660 |  |  | $ | 5,623,023 |
Age Analysis of Past Due Financing Receivables As of December 31, 2014 (in thousands)
|  | 31-60 Days Past Due Accruing |  |  | 61-90 Days Past Due Accruing |  |  | Greater Than 90 Days Past Due Accruing |  |  | Total Past Due Accruing |  |  | Non-Accrual |  |  | Current |  |  | Recorded Total Loans |
ORIGINATED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | - |  |  | $ | 735 |  |  | $ | - |  |  | $ | 735 |  |  | $ | 1,012 |  |  | $ | 613,400 |  |  | $ | 615,147 |
Commercial Real Estate |  |  | 192 |  |  |  | - |  |  |  | - |  |  |  | 192 |  |  |  | 4,127 |  |  |  | 1,064,549 |  |  |  | 1,068,868 |
Agricultural |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 817 |  |  |  | 32,130 |  |  |  | 32,947 |
Agricultural Real Estate |  |  | 19 |  |  |  | - |  |  |  | - |  |  |  | 19 |  |  |  | 565 |  |  |  | 24,390 |  |  |  | 24,974 |
Business Banking |  |  | 799 |  |  |  | 235 |  |  |  | 84 |  |  |  | 1,118 |  |  |  | 6,910 |  |  |  | 390,407 |  |  |  | 398,435 |
|  |  | 1,010 |  |  |  | 970 |  |  |  | 84 |  |  |  | 2,064 |  |  |  | 13,431 |  |  |  | 2,124,876 |  |  |  | 2,140,371 |
Consumer Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  |  | 16,434 |  |  |  | 3,154 |  |  |  | 1,991 |  |  |  | 21,579 |  |  |  | 1,964 |  |  |  | 1,286,507 |  |  |  | 1,310,050 |
Home Equity |  |  | 4,591 |  |  |  | 1,428 |  |  |  | 821 |  |  |  | 6,840 |  |  |  | 6,596 |  |  |  | 479,444 |  |  |  | 492,880 |
Direct |  |  | 560 |  |  |  | 157 |  |  |  | 52 |  |  |  | 769 |  |  |  | 84 |  |  |  | 54,941 |  |  |  | 55,794 |
|  |  | 21,585 |  |  |  | 4,739 |  |  |  | 2,864 |  |  |  | 29,188 |  |  |  | 8,644 |  |  |  | 1,820,892 |  |  |  | 1,858,724 |
Residential Real Estate Mortgages |  |  | 2,901 |  |  |  | 96 |  |  |  | 1,256 |  |  |  | 4,253 |  |  |  | 8,770 |  |  |  | 835,819 |  |  |  | 848,842 |
|  | $ | 25,496 |  |  | $ | 5,805 |  |  | $ | 4,204 |  |  | $ | 35,505 |  |  | $ | 30,845 |  |  | $ | 4,781,587 |  |  | $ | 4,847,937 |
ACQUIRED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 3,009 |  |  | $ | 72,255 |  |  | $ | 75,264 |
Commercial Real Estate |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 2,666 |  |  |  | 197,222 |  |  |  | 199,888 |
Business Banking |  |  | 5 |  |  |  | 15 |  |  |  | - |  |  |  | 20 |  |  |  | 665 |  |  |  | 57,494 |  |  |  | 58,179 |
|  |  | 5 |  |  |  | 15 |  |  |  | - |  |  |  | 20 |  |  |  | 6,340 |  |  |  | 326,971 |  |  |  | 333,331 |
Consumer Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  |  | 518 |  |  |  | 5 |  |  |  | 54 |  |  |  | 577 |  |  |  | 106 |  |  |  | 64,540 |  |  |  | 65,223 |
Home Equity |  |  | 190 |  |  |  | 60 |  |  |  | 5 |  |  |  | 255 |  |  |  | 557 |  |  |  | 75,904 |  |  |  | 76,716 |
Direct |  |  | 31 |  |  |  | - |  |  |  | 7 |  |  |  | 38 |  |  |  | 33 |  |  |  | 5,246 |  |  |  | 5,317 |
|  |  | 739 |  |  |  | 65 |  |  |  | 66 |  |  |  | 870 |  |  |  | 696 |  |  |  | 145,690 |  |  |  | 147,256 |
Residential Real Estate Mortgages |  |  | 1,162 |  |  |  | 265 |  |  |  | 671 |  |  |  | 2,098 |  |  |  | 3,193 |  |  |  | 261,456 |  |  |  | 266,747 |
|  | $ | 1,906 |  |  | $ | 345 |  |  | $ | 737 |  |  | $ | 2,988 |  |  | $ | 10,229 |  |  | $ | 734,117 |  |  | $ | 747,334 |
Total Loans |  | $ | 27,402 |  |  | $ | 6,150 |  |  | $ | 4,941 |  |  | $ | 38,493 |  |  | $ | 41,074 |  |  | $ | 5,515,704 |  |  | $ | 5,595,271 |
Impaired loans and specific reserve allocations | The following table provides information on loans specifically evaluated for impairment as of March 31, 2015 and December 31, 2014:
|  | March 31, 2015 |  |  | December 31, 2014 |
(in thousands) |  | Recorded Investment Balance(Book) |  |  | Unpaid Principal Balance(Legal) |  | Related Allowance |  |  | Recorded Investment Balance(Book) |  |  | Unpaid Principal Balance(Legal) |  | Related Allowance |
ORIGINATED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 1,628 |  |  | $ | 1,781 |  |  |  |  | $ | 1,748 |  |  | $ | 1,901 |  |  |
Commercial Real Estate |  |  | 4,227 |  |  |  | 4,238 |  |  |  |  |  | 4,505 |  |  |  | 4,520 |  |  |
Agricultural |  |  | 19 |  |  |  | 25 |  |  |  |  |  | 20 |  |  |  | 26 |  |  |
Agricultural Real Estate |  |  | 633 |  |  |  | 759 |  |  |  |  |  | 1,147 |  |  |  | 1,441 |  |  |
Business Banking |  |  | 869 |  |  |  | 910 |  |  |  |  |  | 896 |  |  |  | 1,301 |  |  |
Total Commercial Loans |  |  | 7,376 |  |  |  | 7,713 |  |  |  |  |  | 8,316 |  |  |  | 9,189 |  |  |
Consumer Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  |  | 17 |  |  |  | 26 |  |  |  |  |  | - |  |  |  | - |  |  |
Home Equity |  |  | 6,403 |  |  |  | 7,056 |  |  |  |  |  | 5,498 |  |  |  | 6,033 |  |  |
Direct |  |  | 3 |  |  |  | 3 |  |  |  |  |  | - |  |  |  | - |  |  |
Total Consumer Loans |  |  | 6,423 |  |  |  | 7,085 |  |  |  |  |  | 5,498 |  |  |  | 6,033 |  |  |
Residential Real Estate Mortgages |  |  | 4,269 |  |  |  | 4,742 |  |  |  |  |  | 3,544 |  |  |  | 3,959 |  |  |
Total |  |  | 18,068 |  |  |  | 19,540 |  |  |  |  |  | 17,358 |  |  |  | 19,181 |  |  |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Real Estate |  |  | 4,877 |  |  |  | 6,725 |  |  | $ | 1,100 |  |  |  | 2,763 |  |  |  | 4,611 |  |  | $ | 600 |
ACQUIRED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Real Estate |  |  | 5,935 |  |  |  | 7,109 |  |  |  |  |  |  |  | 2,666 |  |  |  | 3,830 |  |  |  |  |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  | 2,508 |  |  |  | 4,668 |  |  |  | 1,000 |  |  |  | 3,009 |  |  |  | 4,668 |  |  |  | 500 |
Commercial Real Estate |  |  | 1,329 |  |  |  | 1,329 |  |  |  | 850 |  |  |  | - |  |  |  | - |  |  |  | - |
Total Commercial Loans |  |  | 3,837 |  |  |  | 5,997 |  |  |  | 1,850 |  |  |  | 3,009 |  |  |  | 4,668 |  |  |  | 500 |
Total: |  | $ | 32,717 |  |  | $ | 39,371 |  |  | $ | 2,950 |  |  | $ | 25,796 |  |  | $ | 32,290 |  |  | $ | 1,100 |
The following tables summarize the average recorded investments on impaired loans specifically evaluated for impairment and the interest income recognized for the three months ended March 31, 2015 and 2014:
|  | For the three months ended |
|  | March 31, 2015 |  |  | March 31, 2014 |
(in thousands) |  | Average Recorded Investment |  |  | Interest Income Recognized |  |  | Average Recorded Investment |  |  | Interest Income Recognized |
ORIGINATED |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 1,689 |  |  | $ | 25 |  |  | $ | 2,038 |  |  | $ | - |
Commercial Real Estate |  |  | 9,125 |  |  |  | 41 |  |  |  | 11,553 |  |  |  | 42 |
Agricultural |  |  | 20 |  |  |  | - |  |  |  | 125 |  |  |  | - |
Agricultural Real Estate |  |  | 636 |  |  |  | 11 |  |  |  | 1,424 |  |  |  | 12 |
Business Banking |  |  | 873 |  |  |  | 4 |  |  |  | 185 |  |  |  | 12 |
Consumer Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  |  | 9 |  |  |  | - |  |  |  | - |  |  |  | - |
Home Equity |  |  | 6,388 |  |  |  | 72 |  |  |  | 4,282 |  |  |  | 43 |
Direct |  |  | 2 |  |  |  | - |  |  |  | - |  |  |  | - |
Residential Real Estate Mortgage |  |  | 4,265 |  |  |  | 30 |  |  |  | 2,727 |  |  |  | 23 |
Total Originated |  | $ | 23,007 |  |  | $ | 183 |  |  | $ | 22,334 |  |  | $ | 132 |
ACQUIRED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  | 2,883 |  |  |  | - |  |  |  | 6,436 |  |  |  | - |
Commercial Real Estate |  |  | 7,136 |  |  |  | - |  |  |  | 3,524 |  |  |  | - |
Total Acquired |  | $ | 10,019 |  |  | $ | - |  |  | $ | 9,960 |  |  | $ | - |
Total Loans |  | $ | 33,026 |  |  | $ | 183 |  |  | $ | 32,294 |  |  | $ | 132 |
Financing receivable credit quality by loan class | The following tables illustrate the Company's credit quality by loan class as of March 31, 2015 and December 31, 2014: Credit Quality Indicators As of March 31, 2015
ORIGINATED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Credit Exposure By Internally Assigned Grade: |  | Commercial |  |  | Commercial Real Estate |  |  | Agricultural |  |  | Agricultural Real Estate |  |  | Total |
Pass |  | $ | 584,916 |  |  | $ | 1,036,469 |  |  | $ | 29,781 |  |  | $ | 22,916 |  |  | $ | 1,674,082 |
Special Mention |  |  | 15,872 |  |  |  | 19,820 |  |  |  | 117 |  |  |  | 3 |  |  |  | 35,812 |
Substandard |  |  | 20,725 |  |  |  | 26,330 |  |  |  | 2,103 |  |  |  | 1,612 |  |  |  | 50,770 |
Doubtful |  |  | - |  |  |  | - |  |  |  | 8 |  |  |  | - |  |  |  | 8 |
Total |  | $ | 621,513 |  |  | $ | 1,082,619 |  |  | $ | 32,009 |  |  | $ | 24,531 |  |  | $ | 1,760,672 |
Business Banking Credit Exposure By Internally Assigned Grade: |  | Business Banking |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Total |
Non-classified |  | $ | 379,306 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 379,306 |
Classified |  |  | 19,084 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19,084 |
Total |  | $ | 398,390 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 398,390 |
Consumer Credit Exposure By Payment Activity: |  | Indirect |  |  | Home Equity |  |  | Direct |  |  |  |  |  |  | Total |
Performing |  | $ | 1,341,795 |  |  | $ | 474,651 |  |  | $ | 53,428 |  |  |  |  |  |  | $ | 1,869,874 |
Nonperforming |  |  | 3,778 |  |  |  | 6,644 |  |  |  | 152 |  |  |  |  |  |  |  | 10,574 |
Total |  | $ | 1,345,573 |  |  | $ | 481,295 |  |  | $ | 53,580 |  |  |  |  |  |  | $ | 1,880,448 |
Residential Mortgage Credit Exposure By Payment Activity: |  | Residential Mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Total |
Performing |  | $ | 856,970 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 856,970 |
Nonperforming |  |  | 7,773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7,773 |
Total |  | $ | 864,743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 864,743 |
Credit Quality Indicators As of March 31, 2015
ACQUIRED |  |  |  |  |  |  |  |  |  |  |  |
Commercial Credit Exposure By Internally Assigned Grade: |  | Commercial |  |  | Commercial Real Estate |  |  |  |  |  | Total |
Pass |  | $ | 64,904 |  |  | $ | 181,277 |  |  |  |  |  |  | $ | 246,181 |
Special Mention |  |  | 2,662 |  |  |  | 2,620 |  |  |  |  |  |  |  | 5,282 |
Substandard |  |  | 5,003 |  |  |  | 13,868 |  |  |  |  |  |  |  | 18,871 |
Total |  | $ | 72,569 |  |  | $ | 197,765 |  |  |  |  |  |  | $ | 270,334 |
Business Banking Credit Exposure By Internally Assigned Grade: |  | Business Banking |  |  |  |  |  |  |  |  |  |  | Total |
Non-classified |  | $ | 50,222 |  |  |  |  |  |  |  |  |  |  | $ | 50,222 |
Classified |  |  | 4,682 |  |  |  |  |  |  |  |  |  |  |  | 4,682 |
Total |  | $ | 54,904 |  |  |  |  |  |  |  |  |  |  | $ | 54,904 |
Consumer Credit Exposure By Payment Activity: |  | Indirect |  |  | Home Equity |  |  | Direct |  |  | Total |
Performing |  | $ | 53,964 |  |  | $ | 73,291 |  |  | $ | 4,778 |  |  | $ | 132,033 |
Nonperforming |  |  | 183 |  |  |  | 427 |  |  |  | 32 |  |  |  | 642 |
Total |  | $ | 54,147 |  |  | $ | 73,718 |  |  | $ | 4,810 |  |  | $ | 132,675 |
Residential Mortgage Credit Exposure By Payment Activity: |  | Residential Mortgage |  |  |  |  |  |  |  |  |  |  | Total |
Performing |  | $ | 257,756 |  |  |  |  |  |  |  |  |  |  | $ | 257,756 |
Nonperforming |  |  | 3,101 |  |  |  |  |  |  |  |  |  |  |  | 3,101 |
Total |  | $ | 260,857 |  |  |  |  |  |  |  |  |  |  | $ | 260,857 |
Credit Quality Indicators As of December 31, 2014
ORIGINATED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Credit Exposure By Internally Assigned Grade: |  | Commercial |  |  | Commercial Real Estate |  |  | Agricultural |  |  | Agricultural Real Estate |  |  | Total |
Pass |  | $ | 570,884 |  |  | $ | 1,023,856 |  |  | $ | 30,481 |  |  | $ | 23,443 |  |  | $ | 1,648,664 |
Special Mention |  |  | 6,022 |  |  |  | 17,341 |  |  |  | 275 |  |  |  | 42 |  |  |  | 23,680 |
Substandard |  |  | 38,241 |  |  |  | 27,671 |  |  |  | 2,183 |  |  |  | 1,489 |  |  |  | 69,584 |
Doubtful |  |  | - |  |  |  | - |  |  |  | 8 |  |  |  | - |  |  |  | 8 |
Total |  | $ | 615,147 |  |  | $ | 1,068,868 |  |  | $ | 32,947 |  |  | $ | 24,974 |  |  | $ | 1,741,936 |
Business Banking Credit Exposure By Internally Assigned Grade: |  | Business Banking |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Total |
Non-classified |  | $ | 379,445 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 379,445 |
Classified |  |  | 18,990 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18,990 |
Total |  | $ | 398,435 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 398,435 |
Total |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer Credit Exposure By Payment Activity: |  | Indirect |  |  | Home Equity |  |  | Direct |  |  |  |  |  |  | Total |
Performing |  | $ | 1,306,095 |  |  | $ | 485,463 |  |  | $ | 55,658 |  |  |  |  |  |  | $ | 1,847,216 |
Nonperforming |  |  | 3,955 |  |  |  | 7,417 |  |  |  | 136 |  |  |  |  |  |  |  | 11,508 |
Total |  | $ | 1,310,050 |  |  | $ | 492,880 |  |  | $ | 55,794 |  |  |  |  |  |  | $ | 1,858,724 |
Residential Mortgage Credit Exposure By Payment Activity: |  | Residential Mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Total |
Performing |  | $ | 838,816 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 838,816 |
Nonperforming |  |  | 10,026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10,026 |
Total |  | $ | 848,842 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 848,842 |
Credit Quality Indicators As of December 31, 2014
ACQUIRED |  |  |  |  |  |  |  |  |  |  |  |
Commercial Credit Exposure By Internally Assigned Grade: |  | Commercial |  |  | Commercial Real Estate |  |  |  |  |  | Total |
Pass |  | $ | 63,630 |  |  | $ | 186,036 |  |  |  |  |  |  | $ | 249,666 |
Special Mention |  |  | 2,840 |  |  |  | 2,646 |  |  |  |  |  |  |  | 5,486 |
Substandard |  |  | 8,794 |  |  |  | 11,206 |  |  |  |  |  |  |  | 20,000 |
Total |  | $ | 75,264 |  |  | $ | 199,888 |  |  |  |  |  |  | $ | 275,152 |
Business Banking Credit Exposure By Internally Assigned Grade: |  | Business Banking |  |  |  |  |  |  |  |  |  |  | Total |
Non-classified |  | $ | 53,264 |  |  |  |  |  |  |  |  |  |  | $ | 53,264 |
Classified |  |  | 4,915 |  |  |  |  |  |  |  |  |  |  |  | 4,915 |
Total |  | $ | 58,179 |  |  |  |  |  |  |  |  |  |  | $ | 58,179 |
Consumer Credit Exposure By Payment Activity: |  | Indirect |  |  | Home Equity |  |  | Direct |  |  | Total |
Performing |  | $ | 65,063 |  |  | $ | 76,154 |  |  | $ | 5,277 |  |  | $ | 146,494 |
Nonperforming |  |  | 160 |  |  |  | 562 |  |  |  | 40 |  |  |  | 762 |
Total |  | $ | 65,223 |  |  | $ | 76,716 |  |  | $ | 5,317 |  |  | $ | 147,256 |
Residential Mortgage Credit Exposure By Payment Activity: |  | Residential Mortgage |  |  |  |  |  |  |  |  |  |  | Total |
Performing |  | $ | 262,883 |  |  |  |  |  |  |  |  |  |  | $ | 262,883 |
Nonperforming |  |  | 3,864 |  |  |  |  |  |  |  |  |  |  |  | 3,864 |
Total |  | $ | 266,747 |  |  |  |  |  |  |  |  |  |  | $ | 266,747 |

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