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Allowance for Loan Losses and Credit Quality of Loans (Tables) | 12 Months Ended
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Dec. 31, 2015
Allowance for Loan Losses and Credit Quality of Loans [Abstract] |
Allowance for loan losses by portfolio | The following table illustrates the changes in the allowance for loan losses by portfolio segment for the years ended December 31, 2015, 2014 and 2013:
Allowance for Loan Losses (in thousands) |
|  | 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 |  |  | (5,718 | ) |  |  | (18,140 | ) |  |  | (2,229 | ) |  |  | - |  |  |  | (26,087 | )
Recoveries |  |  | 1,014 |  |  |  | 3,127 |  |  |  | 320 |  |  |  | - |  |  |  | 4,461 |
Provision |  |  | (2,184 | ) |  |  | 17,546 |  |  |  | 2,739 |  |  |  | 184 |  |  |  | 18,285 |
Ending Balance as of December 31, 2015 |  | $ | 25,545 |  |  | $ | 29,253 |  |  | $ | 7,960 |  |  | $ | 260 |  |  | $ | 63,018 |
Balance as of December 31, 2013 |  | $ | 35,090 |  |  | $ | 27,694 |  |  | $ | 6,520 |  |  | $ | 130 |  |  | $ | 69,434 |
Charge-offs |  |  | (9,414 | ) |  |  | (16,642 | ) |  |  | (1,417 | ) |  |  | - |  |  |  | (27,473 | )
Recoveries |  |  | 1,774 |  |  |  | 2,800 |  |  |  | 285 |  |  |  | - |  |  |  | 4,859 |
Provision |  |  | 4,983 |  |  |  | 12,868 |  |  |  | 1,742 |  |  |  | (54 | ) |  |  | 19,539 |
Ending Balance as of December 31, 2014 |  | $ | 32,433 |  |  | $ | 26,720 |  |  | $ | 7,130 |  |  | $ | 76 |  |  | $ | 66,359 |
Balance as of December 31, 2012 |  | $ | 35,624 |  |  | $ | 27,162 |  |  | $ | 6,252 |  |  | $ | 296 |  |  | $ | 69,334 |
Charge-offs |  |  | (10,459 | ) |  |  | (15,459 | ) |  |  | (1,771 | ) |  |  | - |  |  |  | (27,689 | )
Recoveries |  |  | 1,957 |  |  |  | 3,136 |  |  |  | 272 |  |  |  | - |  |  |  | 5,365 |
Provision |  |  | 7,968 |  |  |  | 12,855 |  |  |  | 1,767 |  |  |  | (166 | ) |  |  | 22,424 |
Ending Balance as of December 31, 2013 |  | $ | 35,090 |  |  | $ | 27,694 |  |  | $ | 6,520 |  |  | $ | 130 |  |  | $ | 69,434 |
The following table illustrates the allowance for loan losses and the recorded investment by portfolio segment as of December 31, 2015 and 2014:
Allowance for Loan Losses and Recorded Investment in Loans (in thousands) |
|  | Commercial Loans |  |  | Consumer Loans |  |  | Residential Real Estate Mortgages |  |  | Unallocated |  |  | Total |
As of December 31, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses |  | $ | 25,545 |  |  | $ | 29,253 |  |  | $ | 7,960 |  |  | $ | 260 |  |  | $ | 63,018 |
Allowance for loans individually evaluated for impairment |  |  | 2,005 |  |  |  | - |  |  |  | - |  |  |  |  |  |  |  | 2,005 |
Allowance for loans collectively evaluated for impairment |  | $ | 23,540 |  |  | $ | 29,253 |  |  | $ | 7,960 |  |  | $ | 260 |  |  | $ | 61,013 |
Ending balance of loans |  | $ | 2,589,707 |  |  | $ | 2,096,646 |  |  | $ | 1,196,780 |  |  |  |  |  |  | $ | 5,883,133 |
Ending balance of originated loans individually evaluated for impairment |  |  | 12,253 |  |  |  | 7,693 |  |  |  | 6,017 |  |  |  |  |  |  |  | 25,963 |
Ending balance of acquired loans individually evaluated for impairment |  |  | 1,205 |  |  |  | - |  |  |  | - |  |  |  |  |  |  |  | 1,205 |
Ending balance of acquired loans collectively evaluated for impairment |  |  | 284,524 |  |  |  | 95,427 |  |  |  | 230,358 |  |  |  |  |  |  |  | 610,309 |
Ending balance of originated loans collectively evaluated for impairment |  | $ | 2,291,725 |  |  | $ | 1,993,526 |  |  | $ | 960,405 |  |  |  |  |  |  | $ | 5,245,656 |
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 |  | $ | 2,479,745 |  |  | $ | 1,999,811 |  |  | $ | 1,115,715 |  |  |  |  |  |  | $ | 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 |  | $ | 2,135,335 |  |  | $ | 1,847,057 |  |  | $ | 845,424 |  |  |  |  |  |  | $ | 4,827,816 |
Past due and nonperforming loans by loan class | The following table sets forth information with regard to past due and nonperforming loans by loan class:
Age Analysis of Past Due Financing Receivables As of December 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 |  | $ | 782 |  |  | $ | 23 |  |  | $ | - |  |  | $ | 805 |  |  | $ | 2,817 |  |  | $ | 640,696 |  |  | $ | 644,318 |
Commercial Real Estate |  |  | 39 |  |  |  | 32 |  |  |  | - |  |  |  | 71 |  |  |  | 5,546 |  |  |  | 1,189,280 |  |  |  | 1,194,897 |
Agricultural |  |  | 94 |  |  |  | - |  |  |  | - |  |  |  | 94 |  |  |  | 897 |  |  |  | 33,633 |  |  |  | 34,624 |
Agricultural Real Estate |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 1,046 |  |  |  | 28,172 |  |  |  | 29,218 |
Business Banking |  |  | 912 |  |  |  | 394 |  |  |  | - |  |  |  | 1,306 |  |  |  | 4,247 |  |  |  | 395,368 |  |  |  | 400,921 |
|  |  | 1,827 |  |  |  | 449 |  |  |  | - |  |  |  | 2,276 |  |  |  | 14,553 |  |  |  | 2,287,149 |  |  |  | 2,303,978 |
Consumer Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  |  | 15,731 |  |  |  | 2,963 |  |  |  | 2,271 |  |  |  | 20,965 |  |  |  | 1,786 |  |  |  | 1,454,499 |  |  |  | 1,477,250 |
Home Equity |  |  | 3,396 |  |  |  | 1,671 |  |  |  | 340 |  |  |  | 5,407 |  |  |  | 4,835 |  |  |  | 454,473 |  |  |  | 464,715 |
Direct |  |  | 425 |  |  |  | 201 |  |  |  | 28 |  |  |  | 654 |  |  |  | 49 |  |  |  | 58,551 |  |  |  | 59,254 |
|  |  | 19,552 |  |  |  | 4,835 |  |  |  | 2,639 |  |  |  | 27,026 |  |  |  | 6,670 |  |  |  | 1,967,523 |  |  |  | 2,001,219 |
Residential Real Estate Mortgages |  |  | 3,301 |  |  |  | 365 |  |  |  | 696 |  |  |  | 4,362 |  |  |  | 7,713 |  |  |  | 954,347 |  |  |  | 966,422 |
|  | $ | 24,680 |  |  | $ | 5,649 |  |  | $ | 3,335 |  |  | $ | 33,664 |  |  | $ | 28,936 |  |  | $ | 5,209,019 |  |  | $ | 5,271,619 |
ACQUIRED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 68,991 |  |  | $ | 68,991 |
Commercial Real Estate |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 1,313 |  |  |  | 165,630 |  |  |  | 166,943 |
Business Banking |  |  | 288 |  |  |  | - |  |  |  | - |  |  |  | 288 |  |  |  | 307 |  |  |  | 49,200 |  |  |  | 49,795 |
|  |  | 288 |  |  |  | - |  |  |  | - |  |  |  | 288 |  |  |  | 1,620 |  |  |  | 283,821 |  |  |  | 285,729 |
Consumer Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  |  | 143 |  |  |  | 11 |  |  |  | 1 |  |  |  | 155 |  |  |  | 104 |  |  |  | 27,516 |  |  |  | 27,775 |
Home Equity |  |  | 327 |  |  |  | 132 |  |  |  | - |  |  |  | 459 |  |  |  | 457 |  |  |  | 62,811 |  |  |  | 63,727 |
Direct |  |  | 76 |  |  |  | 20 |  |  |  | - |  |  |  | 96 |  |  |  | 43 |  |  |  | 3,786 |  |  |  | 3,925 |
|  |  | 546 |  |  |  | 163 |  |  |  | 1 |  |  |  | 710 |  |  |  | 604 |  |  |  | 94,113 |  |  |  | 95,427 |
Residential Real Estate Mortgages |  |  | 1,443 |  |  |  | 293 |  |  |  | 326 |  |  |  | 2,062 |  |  |  | 2,584 |  |  |  | 225,712 |  |  |  | 230,358 |
|  | $ | 2,277 |  |  | $ | 456 |  |  | $ | 327 |  |  | $ | 3,060 |  |  | $ | 4,808 |  |  | $ | 603,646 |  |  | $ | 611,514 |
Total Loans |  | $ | 26,957 |  |  | $ | 6,105 |  |  | $ | 3,662 |  |  | $ | 36,724 |  |  | $ | 33,744 |  |  | $ | 5,812,665 |  |  | $ | 5,883,133 |
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 provides additional information on loans specifically evaluated for impairment for the years ended December 31, 2015 and 2014
Impaired Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | December 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 |  | $ | 2,244 |  |  | $ | 2,490 |  |  |  |  | $ | 1,748 |  |  | $ | 1,901 |  |  |
Commercial Real Estate |  |  | 3,165 |  |  |  | 3,175 |  |  |  |  |  | 4,505 |  |  |  | 4,520 |  |  |
Agricultural |  |  | 576 |  |  |  | 1,164 |  |  |  |  |  | 20 |  |  |  | 26 |  |  |
Agricultural Real Estate |  |  | 618 |  |  |  | 744 |  |  |  |  |  | 1,147 |  |  |  | 1,441 |  |  |
Business Banking |  |  | 983 |  |  |  | 1,033 |  |  |  |  |  | 896 |  |  |  | 1,301 |  |  |
Total Commercial Loans |  |  | 7,586 |  |  |  | 8,606 |  |  |  |  |  | 8,316 |  |  |  | 9,189 |  |  |
Consumer Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  |  | 12 |  |  |  | 21 |  |  |  |  |  | - |  |  |  | - |  |  |
Home Equity |  |  | 7,681 |  |  |  | 8,574 |  |  |  |  |  | 5,498 |  |  |  | 6,033 |  |  |
Total Consumer Loans |  |  | 7,693 |  |  |  | 8,595 |  |  |  |  |  | 5,498 |  |  |  | 6,033 |  |  |
Residential Real Estate Mortgages |  |  | 6,017 |  |  |  | 6,627 |  |  |  |  |  | 3,544 |  |  |  | 3,959 |  |  |
Total |  |  | 21,296 |  |  |  | 23,828 |  |  |  |  |  | 17,358 |  |  |  | 19,181 |  |  |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  | 457 |  |  |  | 457 |  |  |  | 300 |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial Real Estate |  |  | 4,210 |  |  |  | 6,059 |  |  |  | 970 |  |  |  | 2,763 |  |  |  | 4,611 |  |  |  | 600 |
Total Commercial Loans |  |  | 4,667 |  |  |  | 6,516 |  |  |  | 1,270 |  |  |  | 2,763 |  |  |  | 4,611 |  |  |  | 600 |
ACQUIRED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Real Estate |  |  | - |  |  |  | - |  |  |  |  |  |  |  | 2,666 |  |  |  | 3,830 |  |  |  |  |
Total Commercial Loans |  |  | - |  |  |  | - |  |  |  |  |  |  |  | 2,666 |  |  |  | 3,830 |  |  |  |  |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  | 1,205 |  |  |  | 1,321 |  |  |  | 735 |  |  |  | 3,009 |  |  |  | 4,668 |  |  |  | 500 |
Total |  | $ | 27,168 |  |  | $ | 31,665 |  |  | $ | 2,005 |  |  | $ | 25,796 |  |  | $ | 32,290 |  |  | $ | 1,100 |
The following table summarizes the average recorded investments on loans specifically evaluated for impairment and the interest income recognized for the years ended December 31, 2015, 2014 and 2013:
|  | December 31, 2015 |  |  | December 31, 2014 |  |  | December 31, 2013 |
(in thousands) |  | Average Recorded Investment |  |  | Interest Income Recognized Accrual |  |  | Average Recorded Investment |  |  | Interest Income Recognized Accrual |  |  | Average Recorded Investment |  |  | Interest Income Recognized Accrual |
ORIGINATED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 2,219 |  |  | $ | 71 |  |  | $ | 1,954 |  |  | $ | 115 |  |  | $ | 3,488 |  |  | $ | - |
Commercial Real Estate |  |  | 8,538 |  |  |  | 164 |  |  |  | 9,679 |  |  |  | 169 |  |  |  | 11,085 |  |  |  | 95 |
Agricultural |  |  | 148 |  |  |  | 1 |  |  |  | 91 |  |  |  | 1 |  |  |  | 1,035 |  |  |  | 1 |
Agricultural Real Estate |  |  | 628 |  |  |  | 45 |  |  |  | 1,346 |  |  |  | 46 |  |  |  | 1,067 |  |  |  | 47 |
Business Banking |  |  | 960 |  |  |  | 21 |  |  |  | 610 |  |  |  | 55 |  |  |  | 127 |  |  |  | 61 |
Consumer Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home Equity |  |  | 7,070 |  |  |  | 374 |  |  |  | 5,198 |  |  |  | 267 |  |  |  | 3,120 |  |  |  | 145 |
Residential Real Estate Mortgages |  |  | 5,128 |  |  |  | 219 |  |  |  | 3,039 |  |  |  | 119 |  |  |  | 2,085 |  |  |  | 69 |
ACQUIRED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  | 2,045 |  |  |  | - |  |  |  | 5,756 |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial Real Estate |  |  | 5,734 |  |  |  | - |  |  |  | 3,386 |  |  |  | - |  |  |  | 1,310 |  |  |  | - |
Total |  | $ | 32,470 |  |  | $ | 895 |  |  | $ | 31,059 |  |  | $ | 772 |  |  | $ | 23,317 |  |  | $ | 418 |
Financing receivable credit quality by loan class | The following tables illustrate the Company's credit quality by loan class for the years ended December 31, 2015 and 2014:
Credit Quality Indicators December 31, 2015 |
(In thousands) |  |  |  |  |  |  |  |  |  |
ORIGINATED |  |  |  |  |  |  |  |  |  |
Commercial Credit Exposure |  |  |  |  |  |  |  |  |  |
By Internally Assigned Grade: |  | Commercial |  |  | Commercial Real Estate |  |  | Agricultural |  |  | Agricultural Real Estate |  |  | Total |
Pass |  | $ | 604,405 |  |  | $ | 1,144,832 |  |  | $ | 33,565 |  |  | $ | 27,320 |  |  | $ | 1,810,122 |
Special Mention |  |  | 9,726 |  |  |  | 21,587 |  |  |  | 311 |  |  |  | 429 |  |  |  | 32,053 |
Substandard |  |  | 30,187 |  |  |  | 28,478 |  |  |  | 740 |  |  |  | 1,469 |  |  |  | 60,874 |
Doubtful |  |  | - |  |  |  | - |  |  |  | 8 |  |  |  | - |  |  |  | 8 |
Total |  | $ | 644,318 |  |  | $ | 1,194,897 |  |  | $ | 34,624 |  |  | $ | 29,218 |  |  | $ | 1,903,057 |
Business Banking Credit Exposure |  |  |  |  |  |  |  |  |  |  |  |
By Internally Assigned Grade: |  | Business Banking |  |  |  |  |  |  |  |  | Total |
Non-classified |  | $ | 386,397 |  |  |  |  |  |  |  |  | $ | 386,397 |
Classified |  |  | 14,524 |  |  |  |  |  |  |  |  |  | 14,524 |
Total |  | $ | 400,921 |  |  |  |  |  |  |  |  | $ | 400,921 |
Consumer Credit Exposure |  |  |  |  |  |  |  |  |  |  |  |  |  |
By Payment Activity: |  | Indirect |  |  | Home Equity |  |  | Direct |  |  | Total |
Performing |  | $ | 1,473,193 |  |  | $ | 459,540 |  |  | $ | 59,177 |  |  | $ | 1,991,910 |
Nonperforming |  |  | 4,057 |  |  |  | 5,175 |  |  |  | 77 |  |  |  | 9,309 |
Total |  | $ | 1,477,250 |  |  | $ | 464,715 |  |  | $ | 59,254 |  |  | $ | 2,001,219 |
Residential Mortgage Credit Exposure |  |  |  |  |  |
By Payment Activity: |  | Residential Mortgage |  |  | Total |
Performing |  | $ | 958,013 |  |  | $ | 958,013 |
Nonperforming |  |  | 8,409 |  |  |  | 8,409 |
Total |  | $ | 966,422 |  |  | $ | 966,422 |
Credit Quality Indicators December 31, 2015 (In thousands)
ACQUIRED |  |  |  |  |  |  |  |  |  |  |  |
Commercial Credit Exposure |  |  |  |  |  |  |  |  |  |  |  |
By Internally Assigned Grade: |  | Commercial |  |  | Commercial Real Estate |  |  | Agricultural |  |  | Total |
Pass |  | $ | 67,241 |  |  | $ | 154,871 |  |  | $ | - |  |  | $ | 222,112 |
Special Mention |  |  | 802 |  |  |  | 2,174 |  |  |  | - |  |  |  | 2,976 |
Substandard |  |  | 948 |  |  |  | 9,898 |  |  |  | - |  |  |  | 10,846 |
Doubtful |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total |  | $ | 68,991 |  |  | $ | 166,943 |  |  | $ | - |  |  | $ | 235,934 |
Business Banking Credit Exposure |  |  |  |  |  |
By Internally Assigned Grade: |  | Business Banking |  |  | Total |
Non-classified |  | $ | 46,032 |  |  | $ | 46,032 |
Classified |  |  | 3,763 |  |  |  | 3,763 |
Total |  | $ | 49,795 |  |  | $ | 49,795 |
Consumer Credit Exposure |  |  |  |  |  |  |  |  |  |  |
By Payment Activity: | Indirect |  |  | Home Equity |  |  | Direct |  |  | Total |
Performing | $ | 27,670 |  |  | $ | 63,270 |  |  | $ | 3,882 |  |  | $ | 94,822 |
Nonperforming |  | 105 |  |  |  | 457 |  |  |  | 43 |  |  |  | 605 |
Total | $ | 27,775 |  |  | $ | 63,727 |  |  | $ | 3,925 |  |  | $ | 95,427 |
Residential Mortgage Credit Exposure |  |  |  |  |  |
By Payment Activity: |  | Residential Mortgage |  |  | Total |
Performing |  | $ | 227,448 |  |  | $ | 227,448 |
Nonperforming |  |  | 2,910 |  |  |  | 2,910 |
Total |  | $ | 230,358 |  |  | $ | 230,358 |
Credit Quality Indicators December 31, 2014 (In thousands)
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 December 31, 2014 (In thousands)
ACQUIRED |  |  |  |  |  |  |  |  |  |  |  |
Commercial Credit Exposure |  |  |  |  |  |  |  |  |  |  |  |
By Internally Assigned Grade: |  | Commercial |  |  | Commercial Real Estate |  |  | Agricultural |  |  | Total |
Pass |  | $ | 63,630 |  |  | $ | 186,036 |  |  | $ | - |  |  | $ | 249,666 |
Special Mention |  |  | 2,840 |  |  |  | 2,646 |  |  |  | - |  |  |  | 5,486 |
Substandard |  |  | 8,794 |  |  |  | 11,206 |  |  |  |  |  |  |  | 20,000 |
Doubtful |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
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 years ended December 31, 2015 and 2014:
|  | Year ended December 31, 2015 |
|  | Number of contracts |  |  | Pre-Modification Outstanding Recorded Investment |  |  | Post-Modification Outstanding Recorded Investment |
Commercial |  |  |  |  |  |  |  |  |
Commercial |  |  | 1 |  |  | $ | 186 |  |  | $ | 186 |
Small Business |  |  | 1 |  |  |  | 220 |  |  |  | 171 |
Total Commercial |  |  | 2 |  |  |  | 406 |  |  |  | 357 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |
Home Equity |  |  | 50 |  |  |  | 3,664 |  |  |  | 3,261 |
Total Consumer |  |  | 50 |  |  |  | 3,664 |  |  |  | 3,261 |
Residential Real Estate |  |  | 37 |  |  |  | 3,085 |  |  |  | 3,085 |
Total Troubled Debt Restructurings |  |  | 89 |  |  | $ | 7,155 |  |  | $ | 6,703 |
|  | Year ended December 31, 2014 |
|  | Number of contracts |  |  | Pre-Modification Outstanding Recorded Investment |  |  | Post-Modification Outstanding Recorded Investment |
Commercial |  |  |  |  |  |  |  |  |
Small Business |  |  | 3 |  |  | $ | 920 |  |  | $ | 842 |
Total Commercial |  |  | 3 |  |  |  | 920 |  |  |  | 842 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  |  | 1 |  |  |  | 34 |  |  |  | 18 |
Home Equity |  |  | 56 |  |  |  | 3,322 |  |  |  | 2,599 |
Total Consumer |  |  | 57 |  |  |  | 3,356 |  |  |  | 2,617 |
Residential Real Estate |  |  | 27 |  |  |  | 2,717 |  |  |  | 2,088 |
Total Troubled Debt Restructurings |  |  | 87 |  |  | $ | 6,993 |  |  | $ | 5,547 |
The following table illustrates the recorded investment and number of modifications for TDRs within the years ended December 31, 2015 and 2014 where a concession has been made and subsequently defaulted during the period:
|  | Year ended December 31, 2015 |  |  | Year ended December 31, 2014 |
|  | Number of contracts |  |  | Recorded Investment |  |  | Number of contracts |  |  | Recorded Investment |
Consumer |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  |  | - |  |  | $ | - |  |  |  | 1 |  |  | $ | 34 |
Home Equity |  |  | 4 |  |  |  | 344 |  |  |  | 6 |  |  |  | 269 |
Total Consumer |  |  | 4 |  |  |  | 344 |  |  |  | 7 |  |  |  | 303 |
Residential Real Estate |  |  | 3 |  |  |  | 208 |  |  |  | 6 |  |  |  | 429 |
Total Troubled Debt Restructurings |  |  | 7 |  |  | $ | 552 |  |  |  | 13 |  |  | $ | 732 |

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- Definition Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953423-111524 + Details
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- Definition Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 55 -Paragraph 19 -URI http://asc.fasb.org/extlink&oid=32702940&loc=SL6953803-111525 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 29 -URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953659-111524 + Details
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- Definition Tabular disclosure of financing receivables that are past due but not impaired, financing receivables that are 90 days past due and still accruing, and financing receivables on nonaccrual status. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7 -URI http://asc.fasb.org/extlink&oid=49124121&loc=d3e5111-111524 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7A -URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953401-111524 + Details
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