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Allowance for Loan Losses and Credit Quality of Loans (Tables) | 9 Months Ended
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Sep. 30, 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 and nine months ended September 30, 2015 and 2014:
Three months ended September 30, |  | Commercial Loans |  |  | Consumer Loans |  |  | Residential Real Estate Mortgages |  |  | Unallocated |  |  | Total |
Balance as of June 30, 2015 |  | $ | 28,326 |  |  | $ | 28,314 |  |  | $ | 8,281 |  |  | $ | 38 |  |  | $ | 64,959 |
Charge-offs |  |  | (1,333 | ) |  |  | (4,530 | ) |  |  | (511 | ) |  |  | - |  |  |  | (6,374 | )
Recoveries |  |  | 258 |  |  |  | 889 |  |  |  | 161 |  |  |  | - |  |  |  | 1,308 |
Provision |  |  | (2,800 | ) |  |  | 7,333 |  |  |  | 51 |  |  |  | 382 |  |  |  | 4,966 |
Ending Balance as of September 30, 2015 |  | $ | 24,451 |  |  | $ | 32,006 |  |  | $ | 7,982 |  |  | $ | 420 |  |  | $ | 64,859 |
Balance as of June 30, 2014 |  | $ | 35,123 |  |  | $ | 27,973 |  |  | $ | 6,205 |  |  | $ | 233 |  |  | $ | 69,534 |
Charge-offs |  |  | (1,517 | ) |  |  | (3,979 | ) |  |  | (481 | ) |  |  | - |  |  |  | (5,977 | )
Recoveries |  |  | 253 |  |  |  | 632 |  |  |  | 7 |  |  |  | - |  |  |  | 892 |
Provision |  |  | 1,779 |  |  |  | 2,826 |  |  |  | 212 |  |  |  | 68 |  |  |  | 4,885 |
Ending Balance as of September 30, 2014 |  | $ | 35,638 |  |  | $ | 27,452 |  |  | $ | 5,943 |  |  | $ | 301 |  |  | $ | 69,334 |
Nine months ended September 30, |  | 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 |  |  | (2,715 | ) |  |  | (13,183 | ) |  |  | (1,524 | ) |  |  | - |  |  |  | (17,422 | )
Recoveries |  |  | 772 |  |  |  | 2,334 |  |  |  | 310 |  |  |  | - |  |  |  | 3,416 |
Provision |  |  | (6,039 | ) |  |  | 16,135 |  |  |  | 2,066 |  |  |  | 344 |  |  |  | 12,506 |
Ending Balance as of September 30, 2015 |  | $ | 24,451 |  |  | $ | 32,006 |  |  | $ | 7,982 |  |  | $ | 420 |  |  | $ | 64,859 |
Balance as of December 31, 2013 |  | $ | 35,090 |  |  | $ | 27,694 |  |  | $ | 6,520 |  |  | $ | 130 |  |  | $ | 69,434 |
Charge-offs |  |  | (3,423 | ) |  |  | (11,659 | ) |  |  | (965 | ) |  |  | - |  |  |  | (16,047 | )
Recoveries |  |  | 966 |  |  |  | 2,087 |  |  |  | 247 |  |  |  | - |  |  |  | 3,300 |
Provision |  |  | 3,005 |  |  |  | 9,330 |  |  |  | 141 |  |  |  | 171 |  |  |  | 12,647 |
Ending Balance as of September 30, 2014 |  | $ | 35,638 |  |  | $ | 27,452 |  |  | $ | 5,943 |  |  | $ | 301 |  |  | $ | 69,334 |
The following tables illustrate the allowance for loan losses and the recorded investment by portfolio segments as of September 30, 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 September 30, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses |  | $ | 24,451 |  |  | $ | 32,006 |  |  | $ | 7,982 |  |  | $ | 420 |  |  | $ | 64,859 |
Allowance for loans individually evaluated for impairment |  |  | 3,545 |  |  |  | - |  |  |  | - |  |  |  |  |  |  |  | 3,545 |
Allowance for loans collectively evaluated for impairment |  | $ | 20,906 |  |  | $ | 32,006 |  |  | $ | 7,982 |  |  | $ | 420 |  |  | $ | 61,314 |
Ending balance of loans |  | $ | 2,602,385 |  |  | $ | 2,091,408 |  |  | $ | 1,177,195 |  |  |  |  |  |  | $ | 5,870,988 |
Ending balance of originated loans individually evaluated for impairment |  |  | 12,559 |  |  |  | 7,590 |  |  |  | 5,867 |  |  |  |  |  |  |  | 26,016 |
Ending balance of acquired loans individually evaluated for impairment |  |  | 9,317 |  |  |  | - |  |  |  | - |  |  |  |  |  |  |  | 9,317 |
Ending balance of acquired loans collectively evaluated for impairment |  |  | 295,890 |  |  |  | 106,968 |  |  |  | 241,646 |  |  |  |  |  |  |  | 644,504 |
Ending balance of originated loans collectively evaluated for impairment |  | $ | 2,284,619 |  |  | $ | 1,976,850 |  |  | $ | 929,682 |  |  |  |  |  |  | $ | 5,191,151 |
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 September 30, 2015 and December 31, 2014: Age Analysis of Past Due Financing Receivables As of September 30, 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 |  | $ | 2,050 |  |  | $ | 100 |  |  | $ | - |  |  | $ | 2,150 |  |  | $ | 1,264 |  |  | $ | 647,577 |  |  | $ | 650,991 |
Commercial Real Estate |  |  | 537 |  |  |  | - |  |  |  | - |  |  |  | 537 |  |  |  | 6,236 |  |  |  | 1,176,523 |  |  |  | 1,183,296 |
Agricultural |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 900 |  |  |  | 32,486 |  |  |  | 33,386 |
Agricultural Real Estate |  |  | 557 |  |  |  | - |  |  |  | - |  |  |  | 557 |  |  |  | 500 |  |  |  | 25,758 |  |  |  | 26,815 |
Business Banking |  |  | 1,930 |  |  |  | 145 |  |  |  | - |  |  |  | 2,075 |  |  |  | 4,947 |  |  |  | 395,668 |  |  |  | 402,690 |
|  |  | 5,074 |  |  |  | 245 |  |  |  | - |  |  |  | 5,319 |  |  |  | 13,847 |  |  |  | 2,278,012 |  |  |  | 2,297,178 |
Consumer Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  |  | 15,041 |  |  |  | 3,159 |  |  |  | 1,488 |  |  |  | 19,688 |  |  |  | 1,718 |  |  |  | 1,431,946 |  |  |  | 1,453,352 |
Home Equity |  |  | 4,091 |  |  |  | 1,205 |  |  |  | 384 |  |  |  | 5,680 |  |  |  | 5,436 |  |  |  | 462,546 |  |  |  | 473,662 |
Direct |  |  | 526 |  |  |  | 99 |  |  |  | 59 |  |  |  | 684 |  |  |  | 86 |  |  |  | 56,656 |  |  |  | 57,426 |
|  |  | 19,658 |  |  |  | 4,463 |  |  |  | 1,931 |  |  |  | 26,052 |  |  |  | 7,240 |  |  |  | 1,951,148 |  |  |  | 1,984,440 |
Residential Real Estate Mortgages |  |  | 2,312 |  |  |  | 80 |  |  |  | 1,253 |  |  |  | 3,645 |  |  |  | 8,462 |  |  |  | 923,442 |  |  |  | 935,549 |
|  | $ | 27,044 |  |  | $ | 4,788 |  |  | $ | 3,184 |  |  | $ | 35,016 |  |  | $ | 29,549 |  |  | $ | 5,152,602 |  |  | $ | 5,217,167 |
ACQUIRED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 2,509 |  |  | $ | 69,553 |  |  | $ | 72,062 |
Commercial Real Estate |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 6,804 |  |  |  | 175,026 |  |  |  | 181,830 |
Business Banking |  |  | 63 |  |  |  | 19 |  |  |  | 12 |  |  |  | 94 |  |  |  | 144 |  |  |  | 51,077 |  |  |  | 51,315 |
|  |  | 63 |  |  |  | 19 |  |  |  | 12 |  |  |  | 94 |  |  |  | 9,457 |  |  |  | 295,656 |  |  |  | 305,207 |
Consumer Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  |  | 219 |  |  |  | 70 |  |  |  | 14 |  |  |  | 303 |  |  |  | 96 |  |  |  | 34,623 |  |  |  | 35,022 |
Home Equity |  |  | 177 |  |  |  | 70 |  |  |  | - |  |  |  | 247 |  |  |  | 591 |  |  |  | 67,064 |  |  |  | 67,902 |
Direct |  |  | 24 |  |  |  | 23 |  |  |  | 1 |  |  |  | 48 |  |  |  | 34 |  |  |  | 3,962 |  |  |  | 4,044 |
|  |  | 420 |  |  |  | 163 |  |  |  | 15 |  |  |  | 598 |  |  |  | 721 |  |  |  | 105,649 |  |  |  | 106,968 |
Residential Real Estate Mortgages |  |  | 863 |  |  |  | 41 |  |  |  | 579 |  |  |  | 1,483 |  |  |  | 2,797 |  |  |  | 237,366 |  |  |  | 241,646 |
|  | $ | 1,346 |  |  | $ | 223 |  |  | $ | 606 |  |  | $ | 2,175 |  |  | $ | 12,975 |  |  | $ | 638,671 |  |  | $ | 653,821 |
Total Loans |  | $ | 28,390 |  |  | $ | 5,011 |  |  | $ | 3,790 |  |  | $ | 37,191 |  |  | $ | 42,524 |  |  | $ | 5,791,273 |  |  | $ | 5,870,988 |
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 September 30, 2015 and December 31, 2014:
|  | September 30, 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 |  | $ | 1,694 |  |  | $ | 1,846 |  |  |  |  | $ | 1,748 |  |  | $ | 1,901 |  |  |
Commercial Real Estate |  |  | 3,187 |  |  |  | 3,198 |  |  |  |  |  | 4,505 |  |  |  | 4,520 |  |  |
Agricultural |  |  | 19 |  |  |  | 25 |  |  |  |  |  | 20 |  |  |  | 26 |  |  |
Agricultural Real Estate |  |  | 623 |  |  |  | 749 |  |  |  |  |  | 1,147 |  |  |  | 1,441 |  |  |
Business Banking |  |  | 995 |  |  |  | 1,037 |  |  |  |  |  | 896 |  |  |  | 1,301 |  |  |
Total Commercial Loans |  |  | 6,518 |  |  |  | 6,855 |  |  |  |  |  | 8,316 |  |  |  | 9,189 |  |  |
Consumer Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  |  | 13 |  |  |  | 23 |  |  |  |  |  | - |  |  |  | - |  |  |
Home Equity |  |  | 7,577 |  |  |  | 8,380 |  |  |  |  |  | 5,498 |  |  |  | 6,033 |  |  |
Direct |  |  | - |  |  |  | - |  |  |  |  |  | - |  |  |  | - |  |  |
Total Consumer Loans |  |  | 7,590 |  |  |  | 8,403 |  |  |  |  |  | 5,498 |  |  |  | 6,033 |  |  |
Residential Real Estate Mortgages |  |  | 5,867 |  |  |  | 6,386 |  |  |  |  |  | 3,544 |  |  |  | 3,959 |  |  |
Total |  |  | 19,975 |  |  |  | 21,644 |  |  |  |  |  | 17,358 |  |  |  | 19,181 |  |  |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  | 948 |  |  |  | 953 |  |  |  | 300 |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial Real Estate |  |  | 5,093 |  |  |  | 6,959 |  |  |  | 1,395 |  |  |  | 2,763 |  |  |  | 4,611 |  |  |  | 600 |
Total Commercial Loans |  |  | 6,041 |  |  |  | 7,912 |  |  |  | 1,695 |  |  |  | 2,763 |  |  |  | 4,611 |  |  |  | 600 |
ACQUIRED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Real Estate |  |  | 5,488 |  |  |  | 5,789 |  |  |  |  |  |  |  | 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 |  |  | 1,321 |  |  |  | 1,321 |  |  |  | 850 |  |  |  | - |  |  |  | - |  |  |  | - |
Total Commercial Loans |  |  | 3,829 |  |  |  | 5,989 |  |  |  | 1,850 |  |  |  | 3,009 |  |  |  | 4,668 |  |  |  | 500 |
Total: |  | $ | 35,333 |  |  | $ | 41,334 |  |  | $ | 3,545 |  |  | $ | 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 September 30, 2015 and 2014:
|  | For the three months ended |
|  | September 30, 2015 |  |  | September 30, 2014 |
(in thousands) |  | Average Recorded Investment |  |  | Interest Income Recognized |  |  | Average Recorded Investment |  |  | Interest Income Recognized |
ORIGINATED |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 2,469 |  |  | $ | 42 |  |  | $ | 1,957 |  |  | $ | - |
Commercial Real Estate |  |  | 8,560 |  |  |  | 42 |  |  |  | 9,619 |  |  |  | 43 |
Agricultural |  |  | 19 |  |  |  | - |  |  |  | 102 |  |  |  | - |
Agricultural Real Estate |  |  | 626 |  |  |  | 11 |  |  |  | 1,395 |  |  |  | 12 |
Business Banking |  |  | 1,003 |  |  |  | 3 |  |  |  | 677 |  |  |  | 10 |
Consumer Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  |  | 20 |  |  |  | - |  |  |  | - |  |  |  | - |
Home Equity |  |  | 7,432 |  |  |  | 134 |  |  |  | 5,435 |  |  |  | 85 |
Direct |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Residential Real Estate Mortgage |  |  | 5,564 |  |  |  | 37 |  |  |  | 2,961 |  |  |  | 29 |
Total Originated |  | $ | 25,693 |  |  | $ | 269 |  |  | $ | 22,146 |  |  | $ | 179 |
ACQUIRED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  | 2,531 |  |  |  | - |  |  |  | 6,161 |  |  |  | - |
Commercial Real Estate |  |  | 6,918 |  |  |  | - |  |  |  | 3,398 |  |  |  | - |
Total Acquired |  | $ | 9,449 |  |  | $ | - |  |  | $ | 9,559 |  |  | $ | - |
Total Loans |  | $ | 35,142 |  |  | $ | 269 |  |  | $ | 31,705 |  |  | $ | 179 |
|  | For the nine months ended |
|  | September 30, 2015 |  |  | September 30, 2014 |
(in thousands) |  | Average Recorded Investment |  |  | Interest Income Recognized |  |  | Average Recorded Investment |  |  | Interest Income Recognized |
ORIGINATED |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 2,026 |  |  | $ | 128 |  |  | $ | 2,001 |  |  | $ | - |
Commercial Real Estate |  |  | 8,884 |  |  |  | 124 |  |  |  | 10,400 |  |  |  | 127 |
Agricultural |  |  | 19 |  |  |  | 1 |  |  |  | 115 |  |  |  | 1 |
Agricultural Real Estate |  |  | 630 |  |  |  | 34 |  |  |  | 1,410 |  |  |  | 35 |
Business Banking |  |  | 952 |  |  |  | 9 |  |  |  | 509 |  |  |  | 33 |
Consumer Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  |  | 14 |  |  |  | - |  |  |  | - |  |  |  | - |
Home Equity |  |  | 6,869 |  |  |  | 298 |  |  |  | 5,099 |  |  |  | 188 |
Direct |  |  | 1 |  |  |  | - |  |  |  | - |  |  |  | - |
Residential Real Estate Mortgage |  |  | 4,857 |  |  |  | 100 |  |  |  | 2,864 |  |  |  | 79 |
Total Originated |  | $ | 24,252 |  |  | $ | 694 |  |  | $ | 22,398 |  |  | $ | 463 |
ACQUIRED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  | 2,658 |  |  |  | - |  |  |  | 6,303 |  |  |  | - |
Commercial Real Estate |  |  | 7,070 |  |  |  | - |  |  |  | 3,461 |  |  |  | - |
Total Acquired |  | $ | 9,728 |  |  | $ | - |  |  | $ | 9,764 |  |  | $ | - |
Total Loans |  | $ | 33,980 |  |  | $ | 694 |  |  | $ | 32,162 |  |  | $ | 463 |
Financing Receivable Credit Quality by Loan Class | The following tables illustrate the Company’s credit quality by loan class as of September 30, 2015 and December 31, 2014: Credit Quality Indicators As of September 30, 2015
ORIGINATED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Credit Exposure By Internally Assigned Grade: |  | Commercial |  |  | Commercial Real Estate |  |  | Agricultural |  |  | Agricultural Real Estate |  |  | Total |
Pass |  | $ | 600,507 |  |  | $ | 1,127,116 |  |  | $ | 32,759 |  |  | $ | 25,784 |  |  | $ | 1,786,166 |
Special Mention |  |  | 18,395 |  |  |  | 28,718 |  |  |  | 1 |  |  |  | 6 |  |  |  | 47,120 |
Substandard |  |  | 32,089 |  |  |  | 27,462 |  |  |  | 618 |  |  |  | 1,025 |  |  |  | 61,194 |
Doubtful |  |  | - |  |  |  | - |  |  |  | 8 |  |  |  | - |  |  |  | 8 |
Total |  | $ | 650,991 |  |  | $ | 1,183,296 |  |  | $ | 33,386 |  |  | $ | 26,815 |  |  | $ | 1,894,488 |
Business Banking Credit Exposure By Internally Assigned Grade: |  | Business Banking |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Total |
Non-classified |  | $ | 387,378 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 387,378 |
Classified |  |  | 15,312 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15,312 |
Total |  | $ | 402,690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 402,690 |
Consumer Credit Exposure By Payment Activity: |  | Indirect |  |  | Home Equity |  |  | Direct |  |  |  |  |  |  | Total |
Performing |  | $ | 1,450,146 |  |  | $ | 467,842 |  |  | $ | 57,281 |  |  |  |  |  |  | $ | 1,975,269 |
Nonperforming |  |  | 3,206 |  |  |  | 5,820 |  |  |  | 145 |  |  |  |  |  |  |  | 9,171 |
Total |  | $ | 1,453,352 |  |  | $ | 473,662 |  |  | $ | 57,426 |  |  |  |  |  |  | $ | 1,984,440 |
Residential Mortgage Credit Exposure By Payment Activity: |  | Residential Mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Total |
Performing |  | $ | 925,834 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 925,834 |
Nonperforming |  |  | 9,715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9,715 |
Total |  | $ | 935,549 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 935,549 |
Credit Quality Indicators As of September 30, 2015
ACQUIRED |  |  |  |  |  |  |  |  |  |  |  |
Commercial Credit Exposure By Internally Assigned Grade: |  | Commercial |  |  | Commercial Real Estate |  |  |  |  |  | Total |
Pass |  | $ | 66,770 |  |  | $ | 163,948 |  |  |  |  |  | $ | 230,718 |
Special Mention |  |  | 939 |  |  |  | 5,780 |  |  |  |  |  |  | 6,719 |
Substandard |  |  | 4,353 |  |  |  | 12,102 |  |  |  |  |  |  | 16,455 |
Total |  | $ | 72,062 |  |  | $ | 181,830 |  |  |  |  |  | $ | 253,892 |
Business Banking Credit Exposure By Internally Assigned Grade: |  | Business Banking |  |  |  |  |  |  |  |  |  | Total |
Non-classified |  | $ | 47,310 |  |  |  |  |  |  |  |  |  | $ | 47,310 |
Classified |  |  | 4,005 |  |  |  |  |  |  |  |  |  |  | 4,005 |
Total |  | $ | 51,315 |  |  |  |  |  |  |  |  |  | $ | 51,315 |
Consumer Credit Exposure By Payment Activity: |  | Indirect |  |  | Home Equity |  |  | Direct |  |  | Total |
Performing |  | $ | 34,912 |  |  | $ | 67,311 |  |  | $ | 4,009 |  |  | $ | 106,232 |
Nonperforming |  |  | 110 |  |  |  | 591 |  |  |  | 35 |  |  |  | 736 |
Total |  | $ | 35,022 |  |  | $ | 67,902 |  |  | $ | 4,044 |  |  | $ | 106,968 |
Residential Mortgage Credit Exposure By Payment Activity: |  | Residential Mortgage |  |  |  |  |  |  |  |  |  |  | Total |
Performing |  | $ | 238,270 |  |  |  |  |  |  |  |  |  |  | $ | 238,270 |
Nonperforming |  |  | 3,376 |  |  |  |  |  |  |  |  |  |  |  | 3,376 |
Total |  | $ | 241,646 |  |  |  |  |  |  |  |  |  |  | $ | 241,646 |
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 |
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 |
Troubled Debt Restructurings on Financing Receivables | The following tables illustrate the recorded investment and number of modifications for modified loans, including the recorded investment in the loans prior to a modification and the recorded investment in the loans after restructuring for the three and nine months ended September 30, 2015 and 2014:
|  | Three months ended September 30, 2015 |
|  | Number of contracts |  |  | Pre-Modification Outstanding Recorded Investment |  |  | Post-Modification Outstanding Recorded Investment |
Consumer |  |  |  |  |  |  |  |  |
Home Equity |  |  | 12 |  |  | $ | 863 |  |  | $ | 802 |
Residential Real Estate |  |  | 16 |  |  |  | 1,293 |  |  |  | 1,191 |
Total Troubled Debt Restructurings |  |  | 28 |  |  | $ | 2,156 |  |  | $ | 1,993 |
|  | Three months ended September 30, 2014 |
|  | Number of contracts |  |  | Pre-Modification Outstanding Recorded Investment |  |  | Post-Modification Outstanding Recorded Investment |
Consumer |  |  |  |  |  |  |  |  |
Home Equity |  |  | 1 |  |  | $ | 25 |  |  | $ | 24 |
Direct |  |  | 7 |  |  |  | 225 |  |  |  | 163 |
Total Consumer |  |  | 8 |  |  |  | 250 |  |  |  | 187 |
Residential Real Estate |  |  | 3 |  |  |  | 179 |  |  |  | 161 |
Total Troubled Debt Restructurings |  |  | 11 |  |  | $ | 429 |  |  | $ | 348 |
|  | Nine months ended September 30, 2015 |
|  | Number of contracts |  |  | Pre-Modification Outstanding Recorded Investment |  |  | Post-Modification Outstanding Recorded Investment |
Commercial |  |  |  |  |  |  |  |  |
Commercial |  |  | 1 |  |  | $ | 1,250 |  |  | $ | 186 |
Small Business |  |  | 1 |  |  |  | 220 |  |  |  | 173 |
Total Commercial |  |  | 2 |  |  |  | 1,470 |  |  |  | 359 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |
Home Equity |  |  | 39 |  |  |  | 3,212 |  |  |  | 2,915 |
Direct |  |  | 4 |  |  |  | 109 |  |  |  | 102 |
Total Consumer |  |  | 43 |  |  |  | 3,321 |  |  |  | 3,017 |
Residential Real Estate |  |  | 32 |  |  |  | 3,066 |  |  |  | 2,854 |
Total Troubled Debt Restructurings |  |  | 77 |  |  | $ | 7,857 |  |  | $ | 6,230 |
|  | Nine months ended September 30, 2014 |
|  | Number of contracts |  |  | Pre-Modification Outstanding Recorded Investment |  |  | Post-Modification Outstanding Recorded Investment |
Commercial |  |  |  |  |  |  |  |  |
Small Business |  |  | 2 |  |  | $ | 570 |  |  | $ | 558 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  |  | 2 |  |  |  | 69 |  |  |  | 38 |
Home Equity |  |  | 7 |  |  |  | 286 |  |  |  | 273 |
Direct |  |  | 40 |  |  |  | 2,701 |  |  |  | 2,043 |
Total Consumer |  |  | 49 |  |  |  | 3,056 |  |  |  | 2,354 |
Residential Real Estate |  |  | 19 |  |  |  | 2,157 |  |  |  | 1,628 |
Total Troubled Debt Restructurings |  |  | 70 |  |  | $ | 5,783 |  |  | $ | 4,540 |
The following table illustrates the recorded investment and number of modifications for TDRs within the three and nine months ended September 30, 2015 and 2014 where a concession has been made and subsequently defaulted during the period:
|  | Three months ended September 30, 2015 |  |  | Three months ended September 30, 2014 |
|  | Number of contracts |  |  | Recorded Investment |  |  | Number of contracts |  |  | Recorded Investment |
Consumer |  |  |  |  |  |  |  |  |  |  |  |
Home Equity |  |  | - |  |  | $ | - |  |  |  | 1 |  |  | $ | 25 |
Residential Real Estate |  |  | 2 |  |  |  | 174 |  |  |  | 1 |  |  |  | 48 |
Total Troubled Debt Restructurings |  |  | 2 |  |  | $ | 174 |  |  |  | 2 |  |  | $ | 73 |
|  | Nine months ended September 30, 2015 |  |  | Nine months ended September 30, 2014 |
|  | Number of contracts |  |  | Recorded Investment |  |  | Number of contracts |  |  | Recorded Investment |
Consumer |  |  |  |  |  |  |  |  |  |  |  |
Home Equity |  |  | 4 |  |  | $ | 344 |  |  |  | 7 |  |  | $ | 515 |
Residential Real Estate |  |  | 2 |  |  |  | 174 |  |  |  | - |  |  |  | - |
Total Troubled Debt Restructurings |  |  | 6 |  |  | $ | 518 |  |  |  | 7 |  |  | $ | 515 |

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