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Allowance for Loan Losses and Credit Quality of Loans (Tables) | 3 Months Ended
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Mar. 31, 2017
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, 2017 and 2016:
(In thousands) |  | Commercial Loans |  |  | Consumer Loans |  |  | Residential Real Estate Mortgages |  |  | Unallocated |  |  | Total |
Balance as of December 31, 2016 |  | $ | 25,444 |  |  | $ | 33,375 |  |  | $ | 6,381 |  |  | $ | - |  |  | $ | 65,200 |
Charge-offs |  |  | (1,294 | ) |  |  | (6,502 | ) |  |  | (598 | ) |  |  | - |  |  |  | (8,394 | )
Recoveries |  |  | 447 |  |  |  | 1,035 |  |  |  | 33 |  |  |  | - |  |  |  | 1,515 |
Provision |  |  | 130 |  |  |  | 6,861 |  |  |  | 388 |  |  |  | - |  |  |  | 7,379 |
Ending Balance as of March 31, 2017 |  | $ | 24,727 |  |  | $ | 34,769 |  |  | $ | 6,204 |  |  | $ | - |  |  | $ | 65,700 |
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 |
The following tables illustrate the allowance for loan losses and the recorded investment by portfolio segments as of March 31, 2017 and December 31, 2016:
(In thousands) |  | Commercial Loans |  |  | Consumer Loans |  |  | Residential Real Estate Mortgages |  |  | Total |
As of March 31, 2017 |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses |  | $ | 24,727 |  |  | $ | 34,769 |  |  | $ | 6,204 |  |  | $ | 65,700 |
Allowance for loans individually evaluated for impairment |  |  | 422 |  |  |  | - |  |  |  | - |  |  |  | 422 |
Allowance for loans collectively evaluated for impairment |  | $ | 24,305 |  |  | $ | 34,769 |  |  | $ | 6,204 |  |  | $ | 65,278 |
Ending balance of loans |  | $ | 2,824,936 |  |  | $ | 2,171,593 |  |  | $ | 1,275,774 |  |  | $ | 6,272,303 |
Ending balance of originated loans individually evaluated for impairment |  |  | 10,736 |  |  |  | 8,379 |  |  |  | 6,194 |  |  |  | 25,309 |
Ending balance of acquired loans individually evaluated for impairment |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Ending balance of acquired loans collectively evaluated for impairment |  |  | 228,021 |  |  |  | 56,852 |  |  |  | 193,253 |  |  |  | 478,126 |
Ending balance of originated loans collectively evaluated for impairment |  | $ | 2,586,179 |  |  | $ | 2,106,362 |  |  | $ | 1,076,327 |  |  | $ | 5,768,868 |
As of December 31, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses |  | $ | 25,444 |  |  | $ | 33,375 |  |  | $ | 6,381 |  |  | $ | 65,200 |
Allowance for loans individually evaluated for impairment |  |  | 1,517 |  |  |  | - |  |  |  | - |  |  |  | 1,517 |
Allowance for loans collectively evaluated for impairment |  | $ | 23,927 |  |  | $ | 33,375 |  |  | $ | 6,381 |  |  | $ | 63,683 |
Ending balance of loans |  | $ | 2,786,002 |  |  | $ | 2,149,441 |  |  | $ | 1,262,614 |  |  | $ | 6,198,057 |
Ending balance of originated loans individually evaluated for impairment |  |  | 13,070 |  |  |  | 8,488 |  |  |  | 6,111 |  |  |  | 27,669 |
Ending balance of acquired loans individually evaluated for impairment |  |  | 1,205 |  |  |  | - |  |  |  | - |  |  |  | 1,205 |
Ending balance of acquired loans collectively evaluated for impairment |  |  | 236,413 |  |  |  | 63,005 |  |  |  | 199,471 |  |  |  | 498,889 |
Ending balance of originated loans collectively evaluated for impairment |  | $ | 2,535,314 |  |  | $ | 2,077,948 |  |  | $ | 1,057,032 |  |  | $ | 5,670,294 |
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, 2017 and December 31, 2016: As of March 31, 2017
(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 |  | $ | 292 |  |  | $ | - |  |  | $ | - |  |  | $ | 292 |  |  | $ | 4,913 |  |  | $ | 702,383 |  |  | $ | 707,588 |
Commercial Real Estate |  |  | 286 |  |  |  | - |  |  |  | - |  |  |  | 286 |  |  |  | 2,516 |  |  |  | 1,346,470 |  |  |  | 1,349,272 |
Agricultural |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 685 |  |  |  | 36,052 |  |  |  | 36,737 |
Agricultural Real Estate |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 1,771 |  |  |  | 30,314 |  |  |  | 32,085 |
Business Banking |  |  | 2,965 |  |  |  | 428 |  |  |  | - |  |  |  | 3,393 |  |  |  | 4,766 |  |  |  | 463,074 |  |  |  | 471,233 |
Total Commercial Loans |  |  | 3,543 |  |  |  | 428 |  |  |  | - |  |  |  | 3,971 |  |  |  | 14,651 |  |  |  | 2,578,293 |  |  |  | 2,596,915 |
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  |  | 15,407 |  |  |  | 3,552 |  |  |  | 2,222 |  |  |  | 21,181 |  |  |  | 2,135 |  |  |  | 1,575,393 |  |  |  | 1,598,709 |
Home Equity |  |  | 2,635 |  |  |  | 614 |  |  |  | 58 |  |  |  | 3,307 |  |  |  | 2,926 |  |  |  | 447,902 |  |  |  | 454,135 |
Direct |  |  | 246 |  |  |  | 71 |  |  |  | 103 |  |  |  | 420 |  |  |  | 63 |  |  |  | 61,414 |  |  |  | 61,897 |
Total Consumer Loans |  |  | 18,288 |  |  |  | 4,237 |  |  |  | 2,383 |  |  |  | 24,908 |  |  |  | 5,124 |  |  |  | 2,084,709 |  |  |  | 2,114,741 |
Residential Real Estate Mortgages |  |  | 2,444 |  |  |  | 322 |  |  |  | - |  |  |  | 2,766 |  |  |  | 8,585 |  |  |  | 1,071,170 |  |  |  | 1,082,521 |
Total Originated Loans |  | $ | 24,275 |  |  | $ | 4,987 |  |  | $ | 2,383 |  |  | $ | 31,645 |  |  | $ | 28,360 |  |  | $ | 5,734,172 |  |  | $ | 5,794,177 |
ACQUIRED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 45,908 |  |  | $ | 45,908 |
Commercial Real Estate |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 889 |  |  |  | 132,611 |  |  |  | 133,500 |
Business Banking |  |  | 441 |  |  |  | - |  |  |  | - |  |  |  | 441 |  |  |  | 800 |  |  |  | 47,372 |  |  |  | 48,613 |
Total Commercial Loans |  |  | 441 |  |  |  | - |  |  |  | - |  |  |  | 441 |  |  |  | 1,689 |  |  |  | 225,891 |  |  |  | 228,021 |
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  |  | 37 |  |  |  | 1 |  |  |  | 9 |  |  |  | 47 |  |  |  | 39 |  |  |  | 5,713 |  |  |  | 5,799 |
Home Equity |  |  | 177 |  |  |  | - |  |  |  | - |  |  |  | 177 |  |  |  | 196 |  |  |  | 47,716 |  |  |  | 48,089 |
Direct |  |  | 24 |  |  |  | 1 |  |  |  | - |  |  |  | 25 |  |  |  | 13 |  |  |  | 2,926 |  |  |  | 2,964 |
Total Consumer Loans |  |  | 238 |  |  |  | 2 |  |  |  | 9 |  |  |  | 249 |  |  |  | 248 |  |  |  | 56,355 |  |  |  | 56,852 |
Residential Real Estate Mortgages |  |  | 1,300 |  |  |  | 15 |  |  |  | - |  |  |  | 1,315 |  |  |  | 2,377 |  |  |  | 189,561 |  |  |  | 193,253 |
Total Acquired Loans |  | $ | 1,979 |  |  | $ | 17 |  |  | $ | 9 |  |  | $ | 2,005 |  |  | $ | 4,314 |  |  | $ | 471,807 |  |  | $ | 478,126 |
Total Loans |  | $ | 26,254 |  |  | $ | 5,004 |  |  | $ | 2,392 |  |  | $ | 33,650 |  |  | $ | 32,674 |  |  | $ | 6,205,979 |  |  | $ | 6,272,303 |
As of December 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 |  |  | Nonaccrual |  |  | Current |  |  | Recorded Total Loans |
ORIGINATED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 33 |  |  | $ | 5 |  |  | $ | - |  |  | $ | 38 |  |  | $ | 2,964 |  |  | $ | 650,568 |  |  | $ | 653,570 |
Commercial Real Estate |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 7,935 |  |  |  | 1,343,854 |  |  |  | 1,351,789 |
Agricultural |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 730 |  |  |  | 37,186 |  |  |  | 37,916 |
Agricultural Real Estate |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 1,803 |  |  |  | 30,619 |  |  |  | 32,422 |
Business Banking |  |  | 1,609 |  |  |  | 318 |  |  |  | - |  |  |  | 1,927 |  |  |  | 4,860 |  |  |  | 465,900 |  |  |  | 472,687 |
Total Commercial Loans |  |  | 1,642 |  |  |  | 323 |  |  |  | - |  |  |  | 1,965 |  |  |  | 18,292 |  |  |  | 2,528,127 |  |  |  | 2,548,384 |
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  |  | 19,253 |  |  |  | 4,185 |  |  |  | 2,499 |  |  |  | 25,937 |  |  |  | 2,145 |  |  |  | 1,538,593 |  |  |  | 1,566,675 |
Home Equity |  |  | 3,416 |  |  |  | 1,065 |  |  |  | 528 |  |  |  | 5,009 |  |  |  | 2,851 |  |  |  | 448,797 |  |  |  | 456,657 |
Direct |  |  | 452 |  |  |  | 125 |  |  |  | 20 |  |  |  | 597 |  |  |  | 107 |  |  |  | 62,400 |  |  |  | 63,104 |
Total Consumer Loans |  |  | 23,121 |  |  |  | 5,375 |  |  |  | 3,047 |  |  |  | 31,543 |  |  |  | 5,103 |  |  |  | 2,049,790 |  |  |  | 2,086,436 |
Residential Real Estate Mortgages |  |  | 2,725 |  |  |  | 172 |  |  |  | 1,406 |  |  |  | 4,303 |  |  |  | 6,682 |  |  |  | 1,052,158 |  |  |  | 1,063,143 |
Total Originated Loans |  | $ | 27,488 |  |  | $ | 5,870 |  |  | $ | 4,453 |  |  | $ | 37,811 |  |  | $ | 30,077 |  |  | $ | 5,630,075 |  |  | $ | 5,697,963 |
ACQUIRED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 49,447 |  |  | $ | 49,447 |
Commercial Real Estate |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 1,891 |  |  |  | 135,398 |  |  |  | 137,289 |
Business Banking |  |  | 236 |  |  |  | - |  |  |  | - |  |  |  | 236 |  |  |  | 804 |  |  |  | 49,842 |  |  |  | 50,882 |
Total Commercial Loans |  |  | 236 |  |  |  | - |  |  |  | - |  |  |  | 236 |  |  |  | 2,695 |  |  |  | 234,687 |  |  |  | 237,618 |
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  |  | 100 |  |  |  | 5 |  |  |  | - |  |  |  | 105 |  |  |  | 47 |  |  |  | 8,541 |  |  |  | 8,693 |
Home Equity |  |  | 254 |  |  |  | 53 |  |  |  | 30 |  |  |  | 337 |  |  |  | 237 |  |  |  | 50,553 |  |  |  | 51,127 |
Direct |  |  | 30 |  |  |  | 2 |  |  |  | - |  |  |  | 32 |  |  |  | 20 |  |  |  | 3,133 |  |  |  | 3,185 |
Total Consumer Loans |  |  | 384 |  |  |  | 60 |  |  |  | 30 |  |  |  | 474 |  |  |  | 304 |  |  |  | 62,227 |  |  |  | 63,005 |
Residential Real Estate Mortgages |  |  | 609 |  |  |  | 28 |  |  |  | 327 |  |  |  | 964 |  |  |  | 2,636 |  |  |  | 195,871 |  |  |  | 199,471 |
Total Acquired Loans |  | $ | 1,229 |  |  | $ | 88 |  |  | $ | 357 |  |  | $ | 1,674 |  |  | $ | 5,635 |  |  | $ | 492,785 |  |  | $ | 500,094 |
Total Loans |  | $ | 28,717 |  |  | $ | 5,958 |  |  | $ | 4,810 |  |  | $ | 39,485 |  |  | $ | 35,712 |  |  | $ | 6,122,860 |  |  | $ | 6,198,057 |
Impaired Loans and Specific Reserve Allocations | The following table provides information on loans specifically evaluated for impairment as of March 31, 2017 and December 31, 2016:
|  | March 31, 2017 |  |  | December 31, 2016 |
(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 |  | $ | 3,495 |  |  | $ | 3,536 |  |  |  |  |  | $ | 1,278 |  |  | $ | 1,697 |  |  |  |
Commercial Real Estate |  |  | 3,778 |  |  |  | 3,810 |  |  |  |  |  |  | 3,816 |  |  |  | 3,841 |  |  |  |
Agricultural |  |  | 130 |  |  |  | 138 |  |  |  |  |  |  | 130 |  |  |  | 137 |  |  |  |
Agricultural Real Estate |  |  | 1,520 |  |  |  | 1,660 |  |  |  |  |  |  | 1,434 |  |  |  | 1,567 |  |  |  |
Business Banking |  |  | 645 |  |  |  | 724 |  |  |  |  |  |  | 655 |  |  |  | 728 |  |  |  |
Total Commercial Loans |  |  | 9,568 |  |  |  | 9,868 |  |  |  |  |  |  | 7,313 |  |  |  | 7,970 |  |  |  |
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  |  | 5 |  |  |  | 15 |  |  |  |  |  |  | 5 |  |  |  | 16 |  |  |  |
Home Equity |  |  | 8,374 |  |  |  | 9,272 |  |  |  |  |  |  | 8,483 |  |  |  | 9,429 |  |  |  |
Total Consumer Loans |  |  | 8,379 |  |  |  | 9,287 |  |  |  |  |  |  | 8,488 |  |  |  | 9,445 |  |  |  |
Residential Real Estate Mortgages |  |  | 6,194 |  |  |  | 7,028 |  |  |  |  |  |  | 6,111 |  |  |  | 6,906 |  |  |  |
Total |  |  | 24,141 |  |  |  | 26,183 |  |  |  |  |  |  | 21,912 |  |  |  | 24,321 |  |  |  |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Real Estate |  |  | 1,081 |  |  |  | 1,081 |  |  | $ | 335 |  |  |  | 5,553 |  |  |  | 5,736 |  |  | $ | 735 |
Agricultural |  |  | 37 |  |  |  | 37 |  |  |  | 37 |  |  |  | 49 |  |  |  | 49 |  |  |  | 37 |
Agricultural Real Estate |  |  | 50 |  |  |  | 50 |  |  |  | 50 |  |  |  | 155 |  |  |  | 155 |  |  |  | 54 |
Total Commercial Loans |  |  | 1,168 |  |  |  | 1,168 |  |  |  | 422 |  |  |  | 5,757 |  |  |  | 5,940 |  |  |  | 826 |
ACQUIRED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Real Estate |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 1,205 |  |  |  | 1,321 |  |  |  | 691 |
Total Commercial Loans |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 1,205 |  |  |  | 1,321 |  |  |  | 691 |
Total: |  | $ | 25,309 |  |  | $ | 27,351 |  |  | $ | 422 |  |  | $ | 28,874 |  |  | $ | 31,582 |  |  | $ | 1,517 |
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, 2017 and 2016:
|  | For the three months ended |
|  | March 31, 2017 |  |  | March 31, 2016 |
(In thousands) |  | Average Recorded Investment |  |  | Interest Income Recognized |  |  | Average Recorded Investment |  |  | Interest Income Recognized |
ORIGINATED |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans: |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 2,926 |  |  | $ | - |  |  | $ | 2,773 |  |  | $ | 19 |
Commercial Real Estate |  |  | 5,995 |  |  |  | 44 |  |  |  | 13,509 |  |  |  | 100 |
Agricultural |  |  | 173 |  |  |  | - |  |  |  | 158 |  |  |  | - |
Agricultural Real Estate |  |  | 1,580 |  |  |  | 11 |  |  |  | 616 |  |  |  | 11 |
Business Banking |  |  | 650 |  |  |  | 2 |  |  |  | 978 |  |  |  | 6 |
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  |  | 5 |  |  |  | - |  |  |  | 11 |  |  |  | - |
Home Equity |  |  | 8,431 |  |  |  | 110 |  |  |  | 8,003 |  |  |  | 121 |
Residential Real Estate Mortgages |  |  | 5,611 |  |  |  | 39 |  |  |  | 6,121 |  |  |  | 67 |
Total Originated |  |  | 25,371 |  |  |  | 206 |  |  |  | 32,169 |  |  |  | 324 |
ACQUIRED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Real Estate |  |  | 301 |  |  |  | - |  |  |  | 1,205 |  |  |  | - |
Total Acquired |  |  | 301 |  |  |  | - |  |  |  | 1,205 |  |  |  | - |
Total Loans |  | $ | 25,672 |  |  | $ | 206 |  |  | $ | 33,374 |  |  | $ | 324 |
Financing Receivable Credit Quality by Loan Class | The following tables illustrate the Company’s credit quality by loan class as of March 31, 2017 and December 31, 2016: Credit Quality Indicators As of March 31, 2017 (In thousands)
ORIGINATED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Credit Exposure |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
By Internally Assigned Grade: |  | Commercial |  |  | Commercial Real Estate |  |  | Agricultural |  |  | Agricultural Real Estate |  |  | Total |
Pass |  | $ | 658,916 |  |  | $ | 1,286,478 |  |  | $ | 34,144 |  |  | $ | 27,349 |  |  | $ | 2,006,887 |
Special Mention |  |  | 12,987 |  |  |  | 31,208 |  |  |  | 310 |  |  |  | 2,558 |  |  |  | 47,063 |
Substandard |  |  | 35,685 |  |  |  | 31,586 |  |  |  | 2,278 |  |  |  | 2,178 |  |  |  | 71,727 |
Doubtful |  |  | - |  |  |  | - |  |  |  | 5 |  |  |  | - |  |  |  | 5 |
Total |  | $ | 707,588 |  |  | $ | 1,349,272 |  |  | $ | 36,737 |  |  | $ | 32,085 |  |  | $ | 2,125,682 |
Business Banking Credit Exposure |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
By Internally Assigned Grade: |  |  |  |  |  |  |  |  |  |  |  |  |  | Business Banking |  |  | Total |
Non-classified |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 457,783 |  |  | $ | 457,783 |
Classified |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13,450 |  |  |  | 13,450 |
Total |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 471,233 |  |  | $ | 471,233 |
Consumer Credit Exposure |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
By Payment Activity: |  |  |  |  |  | Indirect |  |  | Home Equity |  |  | Direct |  |  | Total |
Performing |  |  |  |  |  | $ | 1,594,352 |  |  | $ | 451,151 |  |  | $ | 61,731 |  |  | $ | 2,107,234 |
Nonperforming |  |  |  |  |  |  | 4,357 |  |  |  | 2,984 |  |  |  | 166 |  |  |  | 7,507 |
Total |  |  |  |  |  | $ | 1,598,709 |  |  | $ | 454,135 |  |  | $ | 61,897 |  |  | $ | 2,114,741 |
Residential Mortgage Credit Exposure |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
By Payment Activity: |  |  |  |  |  |  |  |  |  |  |  |  |  | Residential Mortgage |  |  | Total |
Performing |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 1,073,936 |  |  | $ | 1,073,936 |
Nonperforming |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8,585 |  |  |  | 8,585 |
Total |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 1,082,521 |  |  | $ | 1,082,521 |
Credit Quality Indicators As of March 31, 2017 (In thousands)
ACQUIRED |  |  |  |  |  |  |  |  |  |  |  |
Commercial Credit Exposure |  |  |  |  |  |  |  |  |  |  |  |
By Internally Assigned Grade: |  |  |  |  | Commercial |  |  | Commercial Real Estate |  |  | Total |
Pass |  |  |  |  | $ | 44,782 |  |  | $ | 123,532 |  |  | $ | 168,314 |
Special Mention |  |  |  |  |  | 55 |  |  |  | 2,883 |  |  |  | 2,938 |
Substandard |  |  |  |  |  | 1,071 |  |  |  | 7,085 |  |  |  | 8,156 |
Total |  |  |  |  | $ | 45,908 |  |  | $ | 133,500 |  |  | $ | 179,408 |
Business Banking Credit Exposure |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
By Internally Assigned Grade: |  |  |  |  |  |  |  |  | Business Banking |  |  | Total |
Non-classified |  |  |  |  |  |  |  |  | $ | 44,889 |  |  | $ | 44,889 |
Classified |  |  |  |  |  |  |  |  |  | 3,724 |  |  |  | 3,724 |
Total |  |  |  |  |  |  |  |  | $ | 48,613 |  |  | $ | 48,613 |
Consumer Credit Exposure |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
By Payment Activity: |  | Indirect |  |  | Home Equity |  |  | Direct |  |  | Total |
Performing |  | $ | 5,751 |  |  | $ | 47,893 |  |  | $ | 2,951 |  |  | $ | 56,595 |
Nonperforming |  |  | 48 |  |  |  | 196 |  |  |  | 13 |  |  |  | 257 |
Total |  | $ | 5,799 |  |  | $ | 48,089 |  |  | $ | 2,964 |  |  | $ | 56,852 |
Residential Mortgage Credit Exposure |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
By Payment Activity: |  |  |  |  |  |  |  |  |  | Residential Mortgage |  |  | Total |
Performing |  |  |  |  |  |  |  |  |  | $ | 190,876 |  |  | $ | 190,876 |
Nonperforming |  |  |  |  |  |  |  |  |  |  | 2,377 |  |  |  | 2,377 |
Total |  |  |  |  |  |  |  |  |  | $ | 193,253 |  |  | $ | 193,253 |
Credit Quality Indicators As of December 31, 2016 (In thousands)
ORIGINATED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Credit Exposure |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
By Internally Assigned Grade: |  | Commercial |  |  | Commercial Real Estate |  |  | Agricultural |  |  | Agricultural Real Estate |  |  | Total |
Pass |  | $ | 616,829 |  |  | $ | 1,288,409 |  |  | $ | 36,762 |  |  | $ | 28,912 |  |  | $ | 1,970,912 |
Special Mention |  |  | 7,750 |  |  |  | 31,053 |  |  |  | 25 |  |  |  | 1,896 |  |  |  | 40,724 |
Substandard |  |  | 28,991 |  |  |  | 32,327 |  |  |  | 1,124 |  |  |  | 1,614 |  |  |  | 64,056 |
Doubtful |  |  | - |  |  |  | - |  |  |  | 5 |  |  |  | - |  |  |  | 5 |
Total |  | $ | 653,570 |  |  | $ | 1,351,789 |  |  | $ | 37,916 |  |  | $ | 32,422 |  |  | $ | 2,075,697 |
Business Banking Credit Exposure |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
By Internally Assigned Grade: |  |  |  |  |  |  |  |  |  |  |  |  |  | Business Banking |  |  | Total |
Non-classified |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 458,864 |  |  | $ | 458,864 |
Classified |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13,823 |  |  |  | 13,823 |
Total |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 472,687 |  |  | $ | 472,687 |
Consumer Credit Exposure |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
By Payment Activity: |  |  |  |  |  | Indirect |  |  | Home Equity |  |  | Direct |  |  | Total |
Performing |  |  |  |  |  | $ | 1,562,031 |  |  | $ | 453,278 |  |  | $ | 62,977 |  |  | $ | 2,078,286 |
Nonperforming |  |  |  |  |  |  | 4,644 |  |  |  | 3,379 |  |  |  | 127 |  |  |  | 8,150 |
Total |  |  |  |  |  | $ | 1,566,675 |  |  | $ | 456,657 |  |  | $ | 63,104 |  |  | $ | 2,086,436 |
Residential Mortgage Credit Exposure |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
By Payment Activity: |  |  |  |  |  |  |  |  |  |  |  |  |  | Residential Mortgage |  |  | Total |
Performing |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 1,055,055 |  |  | $ | 1,055,055 |
Nonperforming |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8,088 |  |  |  | 8,088 |
Total |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 1,063,143 |  |  | $ | 1,063,143 |
Credit Quality Indicators As of December 31, 2016 (In thousands)
ACQUIRED |  |  |  |  |  |  |  |  |  |  |  |
Commercial Credit Exposure |  |  |  |  |  |  |  |  |  |  |  |
By Internally Assigned Grade: |  |  |  |  | Commercial |  |  | Commercial Real Estate |  |  | Total |
Pass |  |  |  |  | $ | 48,194 |  |  | $ | 127,660 |  |  | $ | 175,854 |
Special Mention |  |  |  |  |  | 76 |  |  |  | 1,231 |  |  |  | 1,307 |
Substandard |  |  |  |  |  | 1,177 |  |  |  | 7,193 |  |  |  | 8,370 |
Doubtful |  |  |  |  |  | - |  |  |  | 1,205 |  |  |  | 1,205 |
Total |  |  |  |  | $ | 49,447 |  |  | $ | 137,289 |  |  | $ | 186,736 |
Business Banking Credit Exposure |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
By Internally Assigned Grade: |  |  |  |  |  |  |  |  | Business Banking |  |  | Total |
Non-classified |  |  |  |  |  |  |  |  | $ | 47,347 |  |  | $ | 47,347 |
Classified |  |  |  |  |  |  |  |  |  | 3,535 |  |  |  | 3,535 |
Total |  |  |  |  |  |  |  |  | $ | 50,882 |  |  | $ | 50,882 |
Consumer Credit Exposure |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
By Payment Activity: |  | Indirect |  |  | Home Equity |  |  | Direct |  |  | Total |
Performing |  | $ | 8,646 |  |  | $ | 50,860 |  |  | $ | 3,165 |  |  | $ | 62,671 |
Nonperforming |  |  | 47 |  |  |  | 267 |  |  |  | 20 |  |  |  | 334 |
Total |  | $ | 8,693 |  |  | $ | 51,127 |  |  | $ | 3,185 |  |  | $ | 63,005 |
Residential Mortgage Credit Exposure |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
By Payment Activity: |  |  |  |  |  |  |  |  |  | Residential Mortgage |  |  | Total |
Performing |  |  |  |  |  |  |  |  |  | $ | 196,508 |  |  | $ | 196,508 |
Nonperforming |  |  |  |  |  |  |  |  |  |  | 2,963 |  |  |  | 2,963 |
Total |  |  |  |  |  |  |  |  |  | $ | 199,471 |  |  | $ | 199,471 |
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 months ended March 31, 2017 and 2016 (dollars in thousands):
|  | Three months ended March 31, 2017 |
|  | Number of contracts |  |  | Pre-Modification Outstanding Recorded Investment |  |  | Post-Modification Outstanding Recorded Investment |
Consumer |  |  |  |  |  |  |  |  |
Home Equity |  |  | 2 |  |  | $ | 78 |  |  | $ | 77 |
Total Consumer |  |  | 2 |  |  |  | 78 |  |  |  | 77 |
Residential Real Estate |  |  | 1 |  |  |  | 141 |  |  |  | 138 |
Total Troubled Debt Restructurings |  |  | 3 |  |  | $ | 219 |  |  | $ | 215 |
|  | Three months ended March 31, 2016 |
|  | Number of contracts |  |  | Pre-Modification Outstanding Recorded Investment |  |  | Post-Modification Outstanding Recorded Investment |
Consumer |  |  |  |  |  |  |  |  |
Home Equity |  |  | 12 |  |  | $ | 1,035 |  |  | $ | 952 |
Total Consumer |  |  | 12 |  |  |  | 1,035 |  |  |  | 952 |
Residential Real Estate |  |  | 4 |  |  |  | 531 |  |  |  | 437 |
Total Troubled Debt Restructurings |  |  | 16 |  |  | $ | 1,566 |  |  | $ | 1,389 |
Residential and home equity TDRs occurring during 2017 and 2016 were due to the reduction in the interest rate or extension of the term. The following table illustrates the recorded investment and number of modifications for TDRs within the three months ended March 31, 2017 and 2016 where a concession has been made and subsequently defaulted during the period (dollars in thousands):
|  | Three months ended March 31, 2017 |  |  | Three months ended March 31, 2016 |
|  | Number of contracts |  |  | Recorded Investment |  |  | Number of contracts |  |  | Recorded Investment |
Residential Real Estate |  |  | - |  |  | $ | - |  |  |  | 1 |  |  | $ | 175 |
Total Troubled Debt Restructurings |  |  | - |  |  | $ | - |  |  |  | 1 |  |  | $ | 175 |

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