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Allowance for Loan Losses and Credit Quality of Loans (Tables) | 3 Months Ended
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Mar. 31, 2016
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, 2016 and 2015:
Three months ended March 31, |  | Commercial Loans |  |  | Consumer Loans |  |  | Residential Real Estate Mortgages |  |  | Unallocated |  |  | Total |
Balance as of December 31, 2015 |  | $ | 25,545 |  |  | $ | 29,253 |  |  | $ | 7,960 |  |  | $ | 260 |  |  | $ | 63,018 |
Charge-offs |  |  | (437 | ) |  |  | (5,413 | ) |  |  | (709 | ) |  |  | - |  |  |  | (6,559 | )
Recoveries |  |  | 765 |  |  |  | 974 |  |  |  | 22 |  |  |  | - |  |  |  | 1,761 |
Provision |  |  | (574 | ) |  |  | 6,221 |  |  |  | 711 |  |  |  | (260 | ) |  |  | 6,098 |
Ending Balance as of March 31, 2016 |  | $ | 25,299 |  |  | $ | 31,035 |  |  | $ | 7,984 |  |  | $ | - |  |  | $ | 64,318 |
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 |
The following tables illustrate the allowance for loan losses and the recorded investment by portfolio segments as of March 31, 2016 and December 31, 2015: 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, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses |  | $ | 25,299 |  |  | $ | 31,035 |  |  | $ | 7,984 |  |  | $ | - |  |  | $ | 64,318 |
Allowance for loans individually evaluated for impairment |  |  | 2,970 |  |  |  | - |  |  |  | - |  |  |  |  |  |  |  | 2,970 |
Allowance for loans collectively evaluated for impairment |  | $ | 22,329 |  |  | $ | 31,035 |  |  | $ | 7,984 |  |  | $ | - |  |  | $ | 61,348 |
Ending balance of loans |  | $ | 2,617,111 |  |  | $ | 2,138,877 |  |  | $ | 1,211,821 |  |  |  |  |  |  | $ | 5,967,809 |
Ending balance of originated loans individually evaluated for impairment |  |  | 19,691 |  |  |  | 8,262 |  |  |  | 6,214 |  |  |  |  |  |  |  | 34,167 |
Ending balance of acquired loans individually evaluated for impairment |  |  | 1,205 |  |  |  | - |  |  |  | - |  |  |  |  |  |  |  | 1,205 |
Ending balance of acquired loans collectively evaluated for impairment |  |  | 278,425 |  |  |  | 86,309 |  |  |  | 224,983 |  |  |  |  |  |  |  | 589,717 |
Ending balance of originated loans collectively evaluated for impairment |  | $ | 2,317,790 |  |  | $ | 2,044,306 |  |  | $ | 980,624 |  |  |  |  |  |  | $ | 5,342,720 |
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 |
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, 2016 and December 31, 2015: Age Analysis of Past Due Financing Receivables As of March 31, 2016 (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 |  | $ | 616 |  |  | $ | - |  |  | $ | - |  |  | $ | 616 |  |  | $ | 2,903 |  |  | $ | 652,992 |  |  | $ | 656,511 |
Commercial Real Estate |  |  | 73 |  |  |  | 661 |  |  |  | - |  |  |  | 734 |  |  |  | 13,207 |  |  |  | 1,202,805 |  |  |  | 1,216,746 |
Agricultural |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 952 |  |  |  | 33,431 |  |  |  | 34,383 |
Agricultural Real Estate |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 479 |  |  |  | 29,440 |  |  |  | 29,919 |
Business Banking |  |  | 1,794 |  |  |  | 40 |  |  |  | - |  |  |  | 1,834 |  |  |  | 4,181 |  |  |  | 393,907 |  |  |  | 399,922 |
|  |  | 2,483 |  |  |  | 701 |  |  |  | - |  |  |  | 3,184 |  |  |  | 21,722 |  |  |  | 2,312,575 |  |  |  | 2,337,481 |
Consumer Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  |  | 12,305 |  |  |  | 2,600 |  |  |  | 1,634 |  |  |  | 16,539 |  |  |  | 1,582 |  |  |  | 1,518,228 |  |  |  | 1,536,349 |
Home Equity |  |  | 3,083 |  |  |  | 618 |  |  |  | 241 |  |  |  | 3,942 |  |  |  | 3,743 |  |  |  | 449,595 |  |  |  | 457,280 |
Direct |  |  | 368 |  |  |  | 118 |  |  |  | 65 |  |  |  | 551 |  |  |  | 110 |  |  |  | 58,278 |  |  |  | 58,939 |
|  |  | 15,756 |  |  |  | 3,336 |  |  |  | 1,940 |  |  |  | 21,032 |  |  |  | 5,435 |  |  |  | 2,026,101 |  |  |  | 2,052,568 |
Residential Real Estate Mortgages |  |  | 2,195 |  |  |  | 793 |  |  |  | 161 |  |  |  | 3,149 |  |  |  | 6,992 |  |  |  | 976,697 |  |  |  | 986,838 |
|  | $ | 20,434 |  |  | $ | 4,830 |  |  | $ | 2,101 |  |  | $ | 27,365 |  |  | $ | 34,149 |  |  | $ | 5,315,373 |  |  | $ | 5,376,887 |
ACQUIRED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 65,412 |  |  | $ | 65,412 |
Commercial Real Estate |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 1,314 |  |  |  | 167,131 |  |  |  | 168,445 |
Business Banking |  |  | 463 |  |  |  | - |  |  |  | - |  |  |  | 463 |  |  |  | 416 |  |  |  | 44,894 |  |  |  | 45,773 |
|  |  | 463 |  |  |  | - |  |  |  | - |  |  |  | 463 |  |  |  | 1,730 |  |  |  | 277,437 |  |  |  | 279,630 |
Consumer Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  |  | 71 |  |  |  | 7 |  |  |  | 1 |  |  |  | 79 |  |  |  | 79 |  |  |  | 21,689 |  |  |  | 21,847 |
Home Equity |  |  | 359 |  |  |  | 20 |  |  |  | 10 |  |  |  | 389 |  |  |  | 340 |  |  |  | 60,199 |  |  |  | 60,928 |
Direct |  |  | 14 |  |  |  | 7 |  |  |  | - |  |  |  | 21 |  |  |  | 65 |  |  |  | 3,448 |  |  |  | 3,534 |
|  |  | 444 |  |  |  | 34 |  |  |  | 11 |  |  |  | 489 |  |  |  | 484 |  |  |  | 85,336 |  |  |  | 86,309 |
Residential Real Estate Mortgages |  |  | 922 |  |  |  | 568 |  |  |  | 73 |  |  |  | 1,563 |  |  |  | 2,581 |  |  |  | 220,839 |  |  |  | 224,983 |
|  | $ | 1,829 |  |  | $ | 602 |  |  | $ | 84 |  |  | $ | 2,515 |  |  | $ | 4,795 |  |  | $ | 583,612 |  |  | $ | 590,922 |
Total Loans |  | $ | 22,263 |  |  | $ | 5,432 |  |  | $ | 2,185 |  |  | $ | 29,880 |  |  | $ | 38,944 |  |  | $ | 5,898,985 |  |  | $ | 5,967,809 |
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 |
Impaired Loans and Specific Reserve Allocations | The following table provides information on loans specifically evaluated for impairment as of March 31, 2016 and December 31, 2015:
|  | March 31, 2016 |  |  | December 31, 2015 |
(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 |  | $ | 2,334 |  |  | $ | 2,581 |  |  |  |  | $ | 2,244 |  |  | $ | 2,490 |  |  |
Commercial Real Estate |  |  | 7,910 |  |  |  | 7,920 |  |  |  |  |  | 3,165 |  |  |  | 3,175 |  |  |
Agricultural |  |  | 18 |  |  |  | 24 |  |  |  |  |  | 576 |  |  |  | 1,164 |  |  |
Agricultural Real Estate |  |  | 613 |  |  |  | 739 |  |  |  |  |  | 618 |  |  |  | 744 |  |  |
Business Banking |  |  | 972 |  |  |  | 1,029 |  |  |  |  |  | 983 |  |  |  | 1,033 |  |  |
Total Commercial Loans |  |  | 11,847 |  |  |  | 12,293 |  |  |  |  |  | 7,586 |  |  |  | 8,606 |  |  |
Consumer Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  |  | 10 |  |  |  | 20 |  |  |  |  |  | 12 |  |  |  | 21 |  |  |
Home Equity |  |  | 8,252 |  |  |  | 9,161 |  |  |  |  |  | 7,681 |  |  |  | 8,574 |  |  |
Total Consumer Loans |  |  | 8,262 |  |  |  | 9,181 |  |  |  |  |  | 7,693 |  |  |  | 8,595 |  |  |
Residential Real Estate Mortgages |  |  | 6,214 |  |  |  | 6,935 |  |  |  |  |  | 6,017 |  |  |  | 6,627 |  |  |
Total |  | $ | 26,323 |  |  | $ | 28,409 |  |  |  |  | $ | 21,296 |  |  | $ | 23,828 |  |  |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 453 |  |  | $ | 453 |  |  | $ | 325 |  |  | $ | 457 |  |  | $ | 457 |  |  | $ | 300 |
Commercial Real Estate |  |  | 7,391 |  |  |  | 9,239 |  |  |  | 1,910 |  |  |  | 4,210 |  |  |  | 6,059 |  |  |  | 970 |
Total Commercial Loans |  |  | 7,844 |  |  |  | 9,692 |  |  |  | 2,235 |  |  |  | 4,667 |  |  |  | 6,516 |  |  |  | 1,270 |
ACQUIRED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Real Estate |  |  | 1,205 |  |  |  | 1,321 |  |  |  | 735 |  |  |  | 1,205 |  |  |  | 1,321 |  |  |  | 735 |
Total Commercial Loans |  |  | 1,205 |  |  |  | 1,321 |  |  |  | 735 |  |  |  | 1,205 |  |  |  | 1,321 |  |  |  | 735 |
Total: |  | $ | 35,372 |  |  | $ | 39,422 |  |  | $ | 2,970 |  |  | $ | 27,168 |  |  | $ | 31,665 |  |  | $ | 2,005 |
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, 2016 and 2015:
|  | For the three months ended |
|  | March 31, 2016 |  |  | March 31, 2015 |
(in thousands) |  | Average Recorded Investment |  |  | Interest Income Recognized |  |  | Average Recorded Investment |  |  | Interest Income Recognized |
ORIGINATED |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 2,773 |  |  | $ | 19 |  |  | $ | 1,689 |  |  | $ | 25 |
Commercial Real Estate |  |  | 13,509 |  |  |  | 100 |  |  |  | 9,125 |  |  |  | 41 |
Agricultural |  |  | 158 |  |  |  | - |  |  |  | 20 |  |  |  | - |
Agricultural Real Estate |  |  | 616 |  |  |  | 11 |  |  |  | 636 |  |  |  | 11 |
Business Banking |  |  | 978 |  |  |  | 6 |  |  |  | 873 |  |  |  | 4 |
Consumer Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  |  | 11 |  |  |  | - |  |  |  | 9 |  |  |  | - |
Home Equity |  |  | 8,003 |  |  |  | 121 |  |  |  | 6,388 |  |  |  | 72 |
Direct |  |  | - |  |  |  | - |  |  |  | 2 |  |  |  | - |
Residential Real Estate Mortgage |  |  | 6,121 |  |  |  | 67 |  |  |  | 4,265 |  |  |  | 30 |
Total Originated |  | $ | 32,169 |  |  | $ | 324 |  |  | $ | 23,007 |  |  | $ | 183 |
ACQUIRED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  | - |  |  |  | - |  |  |  | 2,883 |  |  |  | - |
Commercial Real Estate |  |  | 1,205 |  |  |  | - |  |  |  | 7,136 |  |  |  | - |
Total Acquired |  | $ | 1,205 |  |  | $ | - |  |  | $ | 10,019 |  |  | $ | - |
Total Loans |  | $ | 33,374 |  |  | $ | 324 |  |  | $ | 33,026 |  |  | $ | 183 |
Financing Receivable Credit Quality by Loan Class | The following tables illustrate the Company’s credit quality by loan class as of March 31, 2016 and December 31, 2015: Credit Quality Indicators As of March 31, 2016
ORIGINATED |  |  |  |  |  |  |  |  |  |  |
Commercial Credit Exposure By Internally Assigned Grade: |  | Commercial |  |  | Commercial Real Estate |  |  | Agricultural |  |  | Agricultural Real Estate |  |  | Total |
Pass |  | $ | 614,475 |  |  | $ | 1,161,375 |  |  | $ | 33,744 |  |  | $ | 28,618 |  |  | $ | 1,838,212 |
Special Mention |  |  | 14,130 |  |  |  | 19,483 |  |  |  | 1 |  |  |  | 366 |  |  |  | 33,980 |
Substandard |  |  | 27,906 |  |  |  | 35,888 |  |  |  | 630 |  |  |  | 935 |  |  |  | 65,359 |
Doubtful |  |  | - |  |  |  | - |  |  |  | 8 |  |  |  | - |  |  |  | 8 |
Total |  | $ | 656,511 |  |  | $ | 1,216,746 |  |  | $ | 34,383 |  |  | $ | 29,919 |  |  | $ | 1,937,559 |
Business Banking Credit Exposure By Internally Assigned Grade: |  |  | Business Banking |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Total |
Non-classified |  | $ | 386,194 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 386,194 |
Classified |  |  | 13,728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13,728 |
Total |  | $ | 399,922 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 399,922 |
Consumer Credit Exposure By Payment Activity: |  | Indirect |  |  | Home Equity |  |  | Direct |  |  |  |  |  |  | Total |
Performing |  | $ | 1,533,133 |  |  | $ | 453,296 |  |  | $ | 58,764 |  |  |  |  |  |  | $ | 2,045,193 |
Nonperforming |  |  | 3,216 |  |  |  | 3,984 |  |  |  | 175 |  |  |  |  |  |  |  | 7,375 |
Total |  | $ | 1,536,349 |  |  | $ | 457,280 |  |  | $ | 58,939 |  |  |  |  |  |  | $ | 2,052,568 |
Residential Mortgage Credit Exposure By Payment Activity: |  | Residential Mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Total |
Performing |  | $ | 979,685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 979,685 |
Nonperforming |  |  | 7,153 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7,153 |
Total |  | $ | 986,838 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 986,838 |
Credit Quality Indicators As of March 31, 2016
ACQUIRED |  |  |  |  |  |  |  |
Commercial Credit Exposure By Internally Assigned Grade: |  | Commercial |  |  | Commercial Real Estate |  |  |  |  |  | Total |
Pass |  | $ | 61,898 |  |  | $ | 155,813 |  |  |  |  |  | $ | 217,711 |
Special Mention |  |  | 1,824 |  |  |  | 2,855 |  |  |  |  |  |  | 4,679 |
Substandard |  |  | 1,690 |  |  |  | 9,777 |  |  |  |  |  |  | 11,467 |
Total |  | $ | 65,412 |  |  | $ | 168,445 |  |  |  |  |  | $ | 233,857 |
Business Banking Credit Exposure By Internally Assigned Grade: |  |  | Business Banking |  |  |  |  |  |  |  |  |  | Total |
Non-classified |  | $ | 42,271 |  |  |  |  |  |  |  |  |  | $ | 42,271 |
Classified |  |  | 3,502 |  |  |  |  |  |  |  |  |  |  | 3,502 |
Total |  | $ | 45,773 |  |  |  |  |  |  |  |  |  | $ | 45,773 |
Consumer Credit Exposure By Payment Activity: |  | Indirect |  |  | Home Equity |  |  |  | Direct |  |  | Total |
Performing |  | $ | 21,767 |  |  | $ | 60,578 |  |  | $ | 3,469 |  |  | $ | 85,814 |
Nonperforming |  |  | 80 |  |  |  | 350 |  |  |  | 65 |  |  |  | 495 |
Total |  | $ | 21,847 |  |  | $ | 60,928 |  |  | $ | 3,534 |  |  | $ | 86,309 |
Residential Mortgage Credit Exposure By Payment Activity: |  | Residential Mortgage |  |  |  |  |  |  |  |  |  |  | Total |
Performing |  | $ | 222,329 |  |  |  |  |  |  |  |  |  |  | $ | 222,329 |
Nonperforming |  |  | 2,654 |  |  |  |  |  |  |  |  |  |  |  | 2,654 |
Total |  | $ | 224,983 |  |  |  |  |  |  |  |  |  |  | $ | 224,983 |
Credit Quality Indicators As of December 31, 2015
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 |
Total |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
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 As of December 31, 2015
ACQUIRED |  |  |  |  |  |  |  |
Commercial Credit Exposure By Internally Assigned Grade: |  | Commercial |  |  | Commercial Real Estate |  |  |  |  |  | Total |
Pass |  | $ | 67,241 |  |  | $ | 154,871 |  |  |  |  |  | $ | 222,112 |
Special Mention |  |  | 802 |  |  |  | 2,174 |  |  |  |  |  |  | 2,976 |
Substandard |  |  | 948 |  |  |  | 9,898 |  |  |  |  |  |  | 10,846 |
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 |

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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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