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Allowance for Loan Losses and Credit Quality of Loans (Tables) | 6 Months Ended
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Jun. 30, 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 and six months ended June 30, 2016 and 2015:
Three months ended June 30, |  | Commercial Loans |  |  | Consumer Loans |  |  | Residential Real Estate Mortgages |  |  | Unallocated |  |  | Total |
Balance as of March 31, 2016 |  | $ | 25,299 |  |  | $ | 31,035 |  |  | $ | 7,984 |  |  | $ | - |  |  | $ | 64,318 |
Charge-offs |  |  | (649 | ) |  |  | (4,950 | ) |  |  | (268 | ) |  |  | - |  |  |  | (5,867 | )
Recoveries |  |  | 339 |  |  |  | 907 |  |  |  | 91 |  |  |  | - |  |  |  | 1,337 |
Provision |  |  | 233 |  |  |  | 4,479 |  |  |  | 68 |  |  |  | - |  |  |  | 4,780 |
Ending Balance as of June 30, 2016 |  | $ | 25,222 |  |  | $ | 31,471 |  |  | $ | 7,875 |  |  | $ | - |  |  | $ | 64,568 |
Balance as of March 31, 2015 |  | $ | 31,278 |  |  | $ | 26,156 |  |  | $ | 7,698 |  |  | $ | 227 |  |  | $ | 65,359 |
Charge-offs |  |  | (584 | ) |  |  | (4,275 | ) |  |  | (509 | ) |  |  | - |  |  |  | (5,368 | )
Recoveries |  |  | 280 |  |  |  | 697 |  |  |  | 93 |  |  |  | - |  |  |  | 1,070 |
Provision |  |  | (2,648 | ) |  |  | 5,736 |  |  |  | 999 |  |  |  | (189 | ) |  |  | 3,898 |
Ending Balance as of June 30, 2015 |  | $ | 28,326 |  |  | $ | 28,314 |  |  | $ | 8,281 |  |  | $ | 38 |  |  | $ | 64,959 |
Six months ended June 30, |  | 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 |  |  | (1,086 | ) |  |  | (10,363 | ) |  |  | (977 | ) |  |  | - |  |  |  | (12,426 | )
Recoveries |  |  | 1,104 |  |  |  | 1,881 |  |  |  | 113 |  |  |  | - |  |  |  | 3,098 |
Provision |  |  | (341 | ) |  |  | 10,700 |  |  |  | 779 |  |  |  | (260 | ) |  |  | 10,878 |
Ending Balance as of June 30, 2016 |  | $ | 25,222 |  |  | $ | 31,471 |  |  | $ | 7,875 |  |  | $ | - |  |  | $ | 64,568 |
Balance as of December 31, 2014 |  | $ | 32,433 |  |  | $ | 26,720 |  |  | $ | 7,130 |  |  | $ | 76 |  |  | $ | 66,359 |
Charge-offs |  |  | (1,382 | ) |  |  | (8,653 | ) |  |  | (1,013 | ) |  |  | - |  |  |  | (11,048 | )
Recoveries |  |  | 514 |  |  |  | 1,445 |  |  |  | 149 |  |  |  | - |  |  |  | 2,108 |
Provision |  |  | (3,239 | ) |  |  | 8,802 |  |  |  | 2,015 |  |  |  | (38 | ) |  |  | 7,540 |
Ending Balance as of June 30, 2015 |  | $ | 28,326 |  |  | $ | 28,314 |  |  | $ | 8,281 |  |  | $ | 38 |  |  | $ | 64,959 |
The following tables illustrate the allowance for loan losses and the recorded investment by portfolio segments as of June 30, 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 June 30, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses |  | $ | 25,222 |  |  | $ | 31,471 |  |  | $ | 7,875 |  |  | $ | - |  |  | $ | 64,568 |
Allowance for loans individually evaluated for impairment |  |  | 3,215 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 3,215 |
Allowance for loans collectively evaluated for impairment |  | $ | 22,007 |  |  | $ | 31,471 |  |  | $ | 7,875 |  |  | $ | - |  |  | $ | 61,353 |
Ending balance of loans |  | $ | 2,673,691 |  |  | $ | 2,146,314 |  |  | $ | 1,219,388 |  |  |  |  |  |  | $ | 6,039,393 |
Ending balance of originated loans individually evaluated for impairment |  |  | 20,034 |  |  |  | 8,190 |  |  |  | 6,174 |  |  |  |  |  |  |  | 34,398 |
Ending balance of acquired loans individually evaluated for impairment |  |  | 1,205 |  |  |  | - |  |  |  | - |  |  |  |  |  |  |  | 1,205 |
Ending balance of acquired loans collectively evaluated for impairment |  |  | 268,814 |  |  |  | 77,387 |  |  |  | 214,668 |  |  |  |  |  |  |  | 560,869 |
Ending balance of originated loans collectively evaluated for impairment |  | $ | 2,383,638 |  |  | $ | 2,060,737 |  |  | $ | 998,546 |  |  |  |  |  |  | $ | 5,442,921 |
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 June 30, 2016 and December 31, 2015: Age Analysis of Past Due Financing Receivables As of June 30, 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 |  |  | Nonaccrual |  |  | Current |  |  | Recorded Total Loans |
ORIGINATED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 663 |  |  | $ | 85 |  |  | $ | - |  |  | $ | 748 |  |  | $ | 3,362 |  |  | $ | 656,219 |  |  | $ | 660,329 |
Commercial Real Estate |  |  | 1,576 |  |  |  | - |  |  |  | - |  |  |  | 1,576 |  |  |  | 13,078 |  |  |  | 1,254,984 |  |  |  | 1,269,638 |
Agricultural |  |  | 86 |  |  |  | - |  |  |  | - |  |  |  | 86 |  |  |  | 669 |  |  |  | 35,007 |  |  |  | 35,762 |
Agricultural Real Estate |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 470 |  |  |  | 29,909 |  |  |  | 30,379 |
Business Banking |  |  | 2,234 |  |  |  | 461 |  |  |  | - |  |  |  | 2,695 |  |  |  | 3,723 |  |  |  | 401,146 |  |  |  | 407,564 |
|  |  | 4,559 |  |  |  | 546 |  |  |  | - |  |  |  | 5,105 |  |  |  | 21,302 |  |  |  | 2,377,265 |  |  |  | 2,403,672 |
Consumer Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  |  | 14,096 |  |  |  | 3,542 |  |  |  | 1,398 |  |  |  | 19,036 |  |  |  | 1,499 |  |  |  | 1,528,126 |  |  |  | 1,548,661 |
Home Equity |  |  | 3,499 |  |  |  | 740 |  |  |  | 154 |  |  |  | 4,393 |  |  |  | 3,241 |  |  |  | 451,357 |  |  |  | 458,991 |
Direct |  |  | 450 |  |  |  | 88 |  |  |  | 20 |  |  |  | 558 |  |  |  | 46 |  |  |  | 60,671 |  |  |  | 61,275 |
|  |  | 18,045 |  |  |  | 4,370 |  |  |  | 1,572 |  |  |  | 23,987 |  |  |  | 4,786 |  |  |  | 2,040,154 |  |  |  | 2,068,927 |
Residential Real Estate Mortgages |  |  | 2,695 |  |  |  | 1,516 |  |  |  | 27 |  |  |  | 4,238 |  |  |  | 6,451 |  |  |  | 994,031 |  |  |  | 1,004,720 |
|  | $ | 25,299 |  |  | $ | 6,432 |  |  | $ | 1,599 |  |  | $ | 33,330 |  |  | $ | 32,539 |  |  | $ | 5,411,450 |  |  | $ | 5,477,319 |
ACQUIRED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | - |  |  | $ | 72 |  |  | $ | - |  |  | $ | 72 |  |  | $ | - |  |  | $ | 62,882 |  |  | $ | 62,954 |
Commercial Real Estate |  |  | 443 |  |  |  | - |  |  |  | - |  |  |  | 443 |  |  |  | 1,313 |  |  |  | 160,176 |  |  |  | 161,932 |
Business Banking |  |  | 420 |  |  |  | 389 |  |  |  | - |  |  |  | 809 |  |  |  | 406 |  |  |  | 43,918 |  |  |  | 45,133 |
|  |  | 863 |  |  |  | 461 |  |  |  | - |  |  |  | 1,324 |  |  |  | 1,719 |  |  |  | 266,976 |  |  |  | 270,019 |
Consumer Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  |  | 105 |  |  |  | 8 |  |  |  | 13 |  |  |  | 126 |  |  |  | 68 |  |  |  | 16,407 |  |  |  | 16,601 |
Home Equity |  |  | 368 |  |  |  | - |  |  |  | - |  |  |  | 368 |  |  |  | 440 |  |  |  | 56,679 |  |  |  | 57,487 |
Direct |  |  | 25 |  |  |  | 21 |  |  |  | 1 |  |  |  | 47 |  |  |  | 23 |  |  |  | 3,229 |  |  |  | 3,299 |
|  |  | 498 |  |  |  | 29 |  |  |  | 14 |  |  |  | 541 |  |  |  | 531 |  |  |  | 76,315 |  |  |  | 77,387 |
Residential Real Estate Mortgages |  |  | 673 |  |  |  | 642 |  |  |  | - |  |  |  | 1,315 |  |  |  | 2,608 |  |  |  | 210,745 |  |  |  | 214,668 |
|  | $ | 2,034 |  |  | $ | 1,132 |  |  | $ | 14 |  |  | $ | 3,180 |  |  | $ | 4,858 |  |  | $ | 554,036 |  |  | $ | 562,074 |
Total Loans |  | $ | 27,333 |  |  | $ | 7,564 |  |  | $ | 1,613 |  |  | $ | 36,510 |  |  | $ | 37,397 |  |  | $ | 5,965,486 |  |  | $ | 6,039,393 |
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 |  |  | Nonaccrual |  |  | 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 June 30, 2016 and December 31, 2015:
|  | June 30, 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 |  | $ | 2,194 |  |  | $ | 2,444 |  |  |  |  | $ | 2,244 |  |  | $ | 2,490 |  |  |
Commercial Real Estate |  |  | 7,836 |  |  |  | 7,905 |  |  |  |  |  | 3,165 |  |  |  | 3,175 |  |  |
Agricultural |  |  | 18 |  |  |  | 24 |  |  |  |  |  | 576 |  |  |  | 1,164 |  |  |
Agricultural Real Estate |  |  | 608 |  |  |  | 733 |  |  |  |  |  | 618 |  |  |  | 744 |  |  |
Business Banking |  |  | 965 |  |  |  | 1,027 |  |  |  |  |  | 983 |  |  |  | 1,033 |  |  |
Total Commercial Loans |  |  | 11,621 |  |  |  | 12,133 |  |  |  |  |  | 7,586 |  |  |  | 8,606 |  |  |
Consumer Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  |  | 8 |  |  |  | 19 |  |  |  |  |  | 12 |  |  |  | 21 |  |  |
Home Equity |  |  | 8,182 |  |  |  | 9,121 |  |  |  |  |  | 7,681 |  |  |  | 8,574 |  |  |
Direct |  |  | - |  |  |  | 1 |  |  |  |  |  | - |  |  |  | - |  |  |
Total Consumer Loans |  |  | 8,190 |  |  |  | 9,141 |  |  |  |  |  | 7,693 |  |  |  | 8,595 |  |  |
Residential Real Estate Mortgages |  |  | 6,174 |  |  |  | 6,893 |  |  |  |  |  | 6,017 |  |  |  | 6,627 |  |  |
Total |  |  | 25,985 |  |  |  | 28,167 |  |  |  |  |  | 21,296 |  |  |  | 23,828 |  |  |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  | 1,022 |  |  |  | 1,022 |  |  | $ | 495 |  |  |  | 457 |  |  |  | 457 |  |  | $ | 300 |
Commercial Real Estate |  |  | 7,391 |  |  |  | 9,239 |  |  |  | 1,890 |  |  |  | 4,210 |  |  |  | 6,059 |  |  |  | 970 |
Total Commercial Loans |  |  | 8,413 |  |  |  | 10,261 |  |  |  | 2,385 |  |  |  | 4,667 |  |  |  | 6,516 |  |  |  | 1,270 |
ACQUIRED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Real Estate |  |  | 1,205 |  |  |  | 1,321 |  |  |  | 830 |  |  |  | 1,205 |  |  |  | 1,321 |  |  |  | 735 |
Total Commercial Loans |  |  | 1,205 |  |  |  | 1,321 |  |  |  | 830 |  |  |  | 1,205 |  |  |  | 1,321 |  |  |  | 735 |
Total: |  | $ | 35,603 |  |  | $ | 39,749 |  |  | $ | 3,215 |  |  | $ | 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 and six months ended June 30, 2016 and 2015:
|  | For the three months ended |
|  | June 30, 2016 |  |  | June 30, 2015 |
(in thousands) |  | Average Recorded Investment |  |  | Interest Income Recognized |  |  | Average Recorded Investment |  |  | Interest Income Recognized |
ORIGINATED |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 3,126 |  |  | $ | - |  |  | $ | 1,768 |  |  | $ | 61 |
Commercial Real Estate |  |  | 15,278 |  |  |  | - |  |  |  | 9,060 |  |  |  | 41 |
Agricultural |  |  | 18 |  |  |  | - |  |  |  | 19 |  |  |  | - |
Agricultural Real Estate |  |  | 610 |  |  |  | 11 |  |  |  | 630 |  |  |  | 12 |
Business Banking |  |  | 969 |  |  |  | 6 |  |  |  | 975 |  |  |  | 2 |
Consumer Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  |  | 9 |  |  |  | - |  |  |  | 16 |  |  |  | - |
Home Equity |  |  | 8,223 |  |  |  | 120 |  |  |  | 6,692 |  |  |  | 92 |
Direct |  |  | - |  |  |  | - |  |  |  | 1 |  |  |  | - |
Residential Real Estate Mortgage |  |  | 6,203 |  |  |  | 67 |  |  |  | 4,636 |  |  |  | 33 |
Total Originated |  | $ | 34,436 |  |  | $ | 204 |  |  | $ | 23,797 |  |  | $ | 241 |
ACQUIRED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  | - |  |  |  | - |  |  |  | 2,602 |  |  |  | - |
Commercial Real Estate |  |  | 1,205 |  |  |  | - |  |  |  | 7,205 |  |  |  | - |
Total Acquired |  | $ | 1,205 |  |  | $ | - |  |  | $ | 9,807 |  |  | $ | - |
Total Loans |  | $ | 35,641 |  |  | $ | 204 |  |  | $ | 33,604 |  |  | $ | 241 |
|  | For the six months ended |
|  | June 30, 2016 |  |  | June 30, 2015 |
(in thousands) |  | Average Recorded Investment |  |  | Interest Income Recognized |  |  | Average Recorded Investment |  |  | Interest Income Recognized |
ORIGINATED |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 2,972 |  |  | $ | - |  |  | $ | 1,742 |  |  | $ | 86 |
Commercial Real Estate |  |  | 14,264 |  |  |  | 74 |  |  |  | 9,091 |  |  |  | 82 |
Agricultural |  |  | 98 |  |  |  | 1 |  |  |  | 19 |  |  |  | 1 |
Agricultural Real Estate |  |  | 613 |  |  |  | 22 |  |  |  | 633 |  |  |  | 23 |
Business Banking |  |  | 973 |  |  |  | 12 |  |  |  | 932 |  |  |  | 6 |
Consumer Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  |  | 10 |  |  |  | - |  |  |  | 11 |  |  |  | - |
Home Equity |  |  | 8,093 |  |  |  | 241 |  |  |  | 6,560 |  |  |  | 164 |
Direct |  |  | - |  |  |  | - |  |  |  | 1 |  |  |  | - |
Residential Real Estate Mortgage |  |  | 6,154 |  |  |  | 134 |  |  |  | 4,476 |  |  |  | 63 |
Total Originated |  | $ | 33,177 |  |  | $ | 484 |  |  | $ | 23,465 |  |  | $ | 425 |
ACQUIRED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  | - |  |  |  | - |  |  |  | 2,722 |  |  |  | - |
Commercial Real Estate |  |  | 1,205 |  |  |  | - |  |  |  | 7,176 |  |  |  | - |
Total Acquired |  | $ | 1,205 |  |  | $ | - |  |  | $ | 9,898 |  |  | $ | - |
Total Loans |  | $ | 34,382 |  |  | $ | 484 |  |  | $ | 33,363 |  |  | $ | 425 |
Financing Receivable Credit Quality by Loan Class | The following tables illustrate the Company’s credit quality by loan class as of June 30, 2016 and December 31, 2015: Credit Quality Indicators As of June 30, 2016
ORIGINATED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Credit Exposure By Internally Assigned Grade: |  | Commercial |  |  | Commercial Real Estate |  |  | Agricultural |  |  | Agricultural Real Estate |  |  | Total |
Pass |  | $ | 610,816 |  |  | $ | 1,219,723 |  |  | $ | 35,365 |  |  | $ | 29,448 |  |  | $ | 1,895,352 |
Special Mention |  |  | 17,774 |  |  |  | 13,035 |  |  |  | 1 |  |  |  | 5 |  |  |  | 30,815 |
Substandard |  |  | 31,739 |  |  |  | 36,880 |  |  |  | 388 |  |  |  | 926 |  |  |  | 69,933 |
Doubtful |  |  | - |  |  |  | - |  |  |  | 8 |  |  |  | - |  |  |  | 8 |
Total |  | $ | 660,329 |  |  | $ | 1,269,638 |  |  | $ | 35,762 |  |  | $ | 30,379 |  |  | $ | 1,996,108 |
Business Banking Credit Exposure By Internally Assigned Grade: |  | Business Banking |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Total |
Non-classified |  | $ | 393,805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 393,805 |
Classified |  |  | 13,759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13,759 |
Total |  | $ | 407,564 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 407,564 |
Consumer Credit Exposure By Payment Activity: |  | Indirect |  |  | Home Equity |  |  | Direct |  |  |  |  |  |  | Total |
Performing |  | $ | 1,545,764 |  |  | $ | 455,596 |  |  | $ | 61,209 |  |  |  |  |  |  | $ | 2,062,569 |
Nonperforming |  |  | 2,897 |  |  |  | 3,395 |  |  |  | 66 |  |  |  |  |  |  |  | 6,358 |
Total |  | $ | 1,548,661 |  |  | $ | 458,991 |  |  | $ | 61,275 |  |  |  |  |  |  | $ | 2,068,927 |
Residential Mortgage Credit Exposure By Payment Activity: |  | Residential Mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Total |
Performing |  | $ | 998,242 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 998,242 |
Nonperforming |  |  | 6,478 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6,478 |
Total |  | $ | 1,004,720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 1,004,720 |
Credit Quality Indicators As of June 30, 2016
ACQUIRED |  |  |  |  |  |  |  |  |  |  |  |
Commercial Credit Exposure By Internally Assigned Grade: |  | Commercial |  |  | Commercial Real Estate |  |  |  |  |  | Total |
Pass |  | $ | 59,681 |  |  | $ | 150,076 |  |  |  |  |  | $ | 209,757 |
Special Mention |  |  | 1,447 |  |  |  | 1,799 |  |  |  |  |  |  | 3,246 |
Substandard |  |  | 1,826 |  |  |  | 10,057 |  |  |  |  |  |  | 11,883 |
Total |  | $ | 62,954 |  |  | $ | 161,932 |  |  |  |  |  | $ | 224,886 |
Business Banking Credit Exposure By Internally Assigned Grade: |  | Business Banking |  |  |  |  |  |  |  |  |  | Total |
Non-classified |  | $ | 41,739 |  |  |  |  |  |  |  |  |  | $ | 41,739 |
Classified |  |  | 3,394 |  |  |  |  |  |  |  |  |  |  | 3,394 |
Total |  | $ | 45,133 |  |  |  |  |  |  |  |  |  | $ | 45,133 |
Consumer Credit Exposure By Payment Activity: |  | Indirect |  |  | Home Equity |  |  | Direct |  |  | Total |
Performing |  | $ | 16,520 |  |  | $ | 57,047 |  |  | $ | 3,275 |  |  | $ | 76,842 |
Nonperforming |  |  | 81 |  |  |  | 440 |  |  |  | 24 |  |  |  | 545 |
Total |  | $ | 16,601 |  |  | $ | 57,487 |  |  | $ | 3,299 |  |  | $ | 77,387 |
Residential Mortgage Credit Exposure By Payment Activity: |  | Residential Mortgage |  |  |  |  |  |  |  |  |  |  | Total |
Performing |  | $ | 212,060 |  |  |  |  |  |  |  |  |  |  | $ | 212,060 |
Nonperforming |  |  | 2,608 |  |  |  |  |  |  |  |  |  |  |  | 2,608 |
Total |  | $ | 214,668 |  |  |  |  |  |  |  |  |  |  | $ | 214,668 |
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 |
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 six months ended June 30, 2016 and 2015:
|  | Three months ended June 30, 2016 |
|  | Number of contracts |  |  | Pre-Modification Outstanding Recorded Investment |  |  | Post-Modification Outstanding Recorded Investment |
Consumer |  |  |  |  |  |  |  |  |
Home Equity |  |  | 2 |  |  | $ | 74 |  |  | $ | 73 |
Total Consumer |  |  | 2 |  |  |  | 74 |  |  |  | 73 |
Residential Real Estate |  |  | 2 |  |  |  | 152 |  |  |  | 151 |
Total Troubled Debt Restructurings |  |  | 4 |  |  | $ | 226 |  |  | $ | 224 |
|  | Three months ended June 30, 2015 |
|  | Number of contracts |  |  | Pre-Modification Outstanding Recorded Investment |  |  | Post-Modification Outstanding Recorded Investment |
Commercial |  |  |  |  |  |  |  |  |
Commercial |  |  | 1 |  |  | $ | 1,165 |  |  | $ | 1,165 |
Business Banking |  |  | 1 |  |  |  | 190 |  |  |  | 176 |
Total Commercial |  |  | 2 |  |  |  | 1,355 |  |  |  | 1,341 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |
Home Equity |  |  | 12 |  |  |  | 1,071 |  |  |  | 1,128 |
Total Consumer |  |  | 12 |  |  |  | 1,071 |  |  |  | 1,128 |
Residential Real Estate |  |  | 6 |  |  |  | 370 |  |  |  | 770 |
Total Troubled Debt Restructurings |  |  | 20 |  |  | $ | 2,796 |  |  | $ | 3,239 |
|  | Six months ended June 30, 2016 |
|  | Number of contracts |  |  | Pre-Modification Outstanding Recorded Investment |  |  | Post-Modification Outstanding Recorded Investment |
Consumer |  |  |  |  |  |  |  |  |
Home Equity |  |  | 14 |  |  | $ | 1,109 |  |  | $ | 1,017 |
Total Consumer |  |  | 14 |  |  |  | 1,109 |  |  |  | 1,017 |
Residential Real Estate |  |  | 6 |  |  |  | 683 |  |  |  | 578 |
Total Troubled Debt Restructurings |  |  | 20 |  |  | $ | 1,792 |  |  | $ | 1,595 |
|  | Six months ended June 30, 2015 |
|  | Number of contracts |  |  | Pre-Modification Outstanding Recorded Investment |  |  | Post-Modification Outstanding Recorded Investment |
Commercial |  |  |  |  |  |  |  |  |
Commercial |  |  | 1 |  |  | $ | 1,165 |  |  | $ | 1,165 |
Business Banking |  |  | 1 |  |  |  | 190 |  |  |  | 176 |
Total Commercial |  |  | 2 |  |  |  | 1,355 |  |  |  | 1,341 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |
Home Equity |  |  | 31 |  |  |  | 2,218 |  |  |  | 2,236 |
Total Consumer |  |  | 31 |  |  |  | 2,218 |  |  |  | 2,236 |
Residential Real Estate |  |  | 15 |  |  |  | 1,072 |  |  |  | 1,522 |
Total Troubled Debt Restructurings |  |  | 48 |  |  | $ | 4,645 |  |  | $ | 5,099 |
There were no defaults on TDRs for the three months ended June 30, 2016 and 2015. The following table illustrates the recorded investment and number of modifications for TDRs within the six months ended June 30, 2016 and 2015 where a concession has been made and subsequently defaulted during the period:
|  | Six months ended June 30, 2016 |  |  | Six months ended June 30, 2015 |
|  | Number of contracts |  |  | Recorded Investment |  |  | Number of contracts |  |  | Recorded Investment |
Consumer |  |  |  |  |  |  |  |  |  |  |  |
Home Equity |  |  | - |  |  | $ | - |  |  |  | 4 |  |  | $ | 233 |
Residential Real Estate |  |  | 1 |  |  |  | 175 |  |  |  | - |  |  |  | - |
Total Troubled Debt Restructurings |  |  | 1 |  |  | $ | 175 |  |  |  | 4 |  |  | $ | 233 |

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