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Allowance for Loan Losses and Credit Quality of Loans (Tables) | 12 Months Ended
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Dec. 31, 2017
Allowance for Loan Losses and Credit Quality of Loans [Abstract] |
Allowance for loan losses by portfolio |
(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 |  |  | (4,169 | ) |  |  | (27,072 | ) |  |  | (1,846 | ) |  |  | - |  |  |  | (33,087 | )
Recoveries |  |  | 1,077 |  |  |  | 5,142 |  |  |  | 180 |  |  |  | - |  |  |  | 6,399 |
Provision |  |  | 5,254 |  |  |  | 25,385 |  |  |  | 349 |  |  |  | - |  |  |  | 30,988 |
Ending Balance as of December 31, 2017 |  | $ | 27,606 |  |  | $ | 36,830 |  |  | $ | 5,064 |  |  | $ | - |  |  | $ | 69,500 |
Balance as of December 31, 2015 |  | $ | 25,545 |  |  | $ | 29,253 |  |  | $ | 7,960 |  |  | $ | 260 |  |  | $ | 63,018 |
Charge-offs |  |  | (4,592 | ) |  |  | (23,364 | ) |  |  | (1,343 | ) |  |  | - |  |  |  | (29,299 | )
Recoveries |  |  | 1,887 |  |  |  | 3,870 |  |  |  | 293 |  |  |  | - |  |  |  | 6,050 |
Provision |  |  | 2,604 |  |  |  | 23,616 |  |  |  | (529 | ) |  |  | (260 | ) |  |  | 25,431 |
Ending Balance as of December 31, 2016 |  | $ | 25,444 |  |  | $ | 33,375 |  |  | $ | 6,381 |  |  | $ | - |  |  | $ | 65,200 |
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 |
The following table illustrates the allowance for loan losses and the recorded investment by portfolio segment:
(In thousands) |  | Commercial Loans |  |  | Consumer Loans |  |  | Residential Real Estate Mortgages |  |  | Total |
As of December 31, 2017 |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses |  | $ | 27,606 |  |  | $ | 36,830 |  |  | $ | 5,064 |  |  | $ | 69,500 |
Allowance for loans individually evaluated for impairment |  |  | 57 |  |  |  | - |  |  |  | - |  |  |  | 57 |
Allowance for loans collectively evaluated for impairment |  |  | 27,549 |  |  |  | 36,830 |  |  |  | 5,064 |  |  |  | 69,443 |
Ending balance of loans |  |  | 3,028,269 |  |  |  | 2,234,809 |  |  |  | 1,321,695 |  |  |  | 6,584,773 |
Ending balance of originated loans individually evaluated for impairment |  |  | 5,876 |  |  |  | 8,432 |  |  |  | 6,830 |  |  |  | 21,138 |
Ending balance of acquired loans collectively evaluated for impairment |  |  | 187,313 |  |  |  | 43,906 |  |  |  | 170,472 |  |  |  | 401,691 |
Ending balance of originated loans collectively evaluated for impairment |  | $ | 2,835,080 |  |  | $ | 2,182,471 |  |  | $ | 1,144,393 |  |  | $ | 6,161,944 |
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 table sets forth information with regard to past due and nonperforming loans by loan class:
(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 |
As of December 31, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Originated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 202 |  |  | $ | 753,577 |  |  | $ | 753,779 |
Commercial Real Estate |  |  | 161 |  |  |  | 138 |  |  |  | - |  |  |  | 299 |  |  |  | 3,178 |  |  |  | 1,533,065 |  |  |  | 1,536,542 |
Agricultural |  |  | 117 |  |  |  | - |  |  |  | - |  |  |  | 117 |  |  |  | 1,043 |  |  |  | 34,386 |  |  |  | 35,546 |
Agricultural Real Estate |  |  | 493 |  |  |  | - |  |  |  | - |  |  |  | 493 |  |  |  | 2,736 |  |  |  | 30,905 |  |  |  | 34,134 |
Business Banking |  |  | 1,907 |  |  |  | 597 |  |  |  | - |  |  |  | 2,504 |  |  |  | 5,304 |  |  |  | 473,147 |  |  |  | 480,955 |
Total Commercial Loans |  | $ | 2,678 |  |  | $ | 735 |  |  | $ | - |  |  | $ | 3,413 |  |  | $ | 12,463 |  |  | $ | 2,825,080 |  |  | $ | 2,840,956 |
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  | $ | 18,747 |  |  | $ | 4,033 |  |  | $ | 3,492 |  |  | $ | 26,272 |  |  | $ | 2,115 |  |  | $ | 1,642,664 |  |  | $ | 1,671,051 |
Home Equity |  |  | 2,887 |  |  |  | 854 |  |  |  | 341 |  |  |  | 4,082 |  |  |  | 2,736 |  |  |  | 448,081 |  |  |  | 454,899 |
Direct |  |  | 341 |  |  |  | 108 |  |  |  | 70 |  |  |  | 519 |  |  |  | 35 |  |  |  | 64,399 |  |  |  | 64,953 |
Total Consumer Loans |  | $ | 21,975 |  |  | $ | 4,995 |  |  | $ | 3,903 |  |  | $ | 30,873 |  |  | $ | 4,886 |  |  | $ | 2,155,144 |  |  | $ | 2,190,903 |
Residential Real Estate Mortgages |  | $ | 3,730 |  |  | $ | 667 |  |  | $ | 1,262 |  |  | $ | 5,659 |  |  | $ | 5,987 |  |  | $ | 1,139,577 |  |  | $ | 1,151,223 |
Total Originated Loans |  | $ | 28,383 |  |  | $ | 6,397 |  |  | $ | 5,165 |  |  | $ | 39,945 |  |  | $ | 23,336 |  |  | $ | 6,119,801 |  |  | $ | 6,183,082 |
Acquired |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 39,575 |  |  | $ | 39,575 |
Commercial Real Estate |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 2 |  |  |  | 106,632 |  |  |  | 106,634 |
Business Banking |  |  | 354 |  |  |  | - |  |  |  | - |  |  |  | 354 |  |  |  | 669 |  |  |  | 40,081 |  |  |  | 41,104 |
Total Commercial Loans |  | $ | 354 |  |  | $ | - |  |  | $ | - |  |  | $ | 354 |  |  | $ | 671 |  |  | $ | 186,288 |  |  | $ | 187,313 |
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  | $ | 38 |  |  | $ | - |  |  | $ | 1 |  |  | $ | 39 |  |  | $ | 22 |  |  | $ | 1,157 |  |  | $ | 1,218 |
Home Equity |  |  | 254 |  |  |  | 34 |  |  |  | 103 |  |  |  | 391 |  |  |  | 225 |  |  |  | 39,256 |  |  |  | 39,872 |
Direct |  |  | 6 |  |  |  | 1 |  |  |  | 1 |  |  |  | 8 |  |  |  | 23 |  |  |  | 2,785 |  |  |  | 2,816 |
Total Consumer Loans |  | $ | 298 |  |  | $ | 35 |  |  | $ | 105 |  |  | $ | 438 |  |  | $ | 270 |  |  | $ | 43,198 |  |  | $ | 43,906 |
Residential Real Estate Mortgages |  | $ | 627 |  |  | $ | 226 |  |  | $ | 140 |  |  | $ | 993 |  |  | $ | 1,431 |  |  | $ | 168,048 |  |  | $ | 170,472 |
Total Acquired Loans |  | $ | 1,279 |  |  | $ | 261 |  |  | $ | 245 |  |  | $ | 1,785 |  |  | $ | 2,372 |  |  | $ | 397,534 |  |  | $ | 401,691 |
Total Loans |  | $ | 29,662 |  |  | $ | 6,658 |  |  | $ | 5,410 |  |  | $ | 41,730 |  |  | $ | 25,708 |  |  | $ | 6,517,335 |  |  | $ | 6,584,773 |
(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 |
As of December 31, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
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 provides additional information on impaired loans specifically evaluated for impairment:
|  | December 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 |  | $ | - |  |  | $ | 251 |  |  |  |  |  | $ | 1,278 |  |  | $ | 1,697 |  |  |  |
Commercial Real Estate |  |  | 2,211 |  |  |  | 3,979 |  |  |  |  |  |  | 3,816 |  |  |  | 3,841 |  |  |  |
Agricultural |  |  | 452 |  |  |  | 465 |  |  |  |  |  |  | 130 |  |  |  | 137 |  |  |  |
Agricultural Real Estate |  |  | 2,250 |  |  |  | 2,423 |  |  |  |  |  |  | 1,434 |  |  |  | 1,567 |  |  |  |
Business Banking |  |  | 860 |  |  |  | 1,730 |  |  |  |  |  |  | 655 |  |  |  | 728 |  |  |  |
Total Commercial Loans |  | $ | 5,773 |  |  | $ | 8,848 |  |  |  |  |  | $ | 7,313 |  |  | $ | 7,970 |  |  |  |
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  | $ | 131 |  |  | $ | 143 |  |  |  |  |  | $ | 5 |  |  | $ | 16 |  |  |  |
Home Equity |  |  | 8,027 |  |  |  | 9,966 |  |  |  |  |  |  | 8,483 |  |  |  | 9,429 |  |  |  |
Direct |  |  | 274 |  |  |  | 274 |  |  |  |  |  |  | - |  |  |  | - |  |  |  |
Total Consumer Loans |  | $ | 8,432 |  |  | $ | 10,383 |  |  |  |  |  | $ | 8,488 |  |  | $ | 9,445 |  |  |  |
Residential Real Estate Mortgages |  | $ | 6,830 |  |  | $ | 8,780 |  |  |  |  |  | $ | 6,111 |  |  | $ | 6,906 |  |  |  |
Total |  | $ | 21,035 |  |  | $ | 28,011 |  |  |  |  |  | $ | 21,912 |  |  | $ | 24,321 |  |  |  |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Real Estate |  | $ | 76 |  |  | $ | 82 |  |  | $ | 30 |  |  | $ | 5,553 |  |  | $ | 5,736 |  |  | $ | 735 |
Agricultural |  |  | 27 |  |  |  | 27 |  |  |  | 27 |  |  |  | 49 |  |  |  | 49 |  |  |  | 37 |
Agricultural Real Estate |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 155 |  |  |  | 155 |  |  |  | 54 |
Total Commercial Loans |  | $ | 103 |  |  | $ | 109 |  |  | $ | 57 |  |  | $ | 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 |  | $ | 21,138 |  |  | $ | 28,120 |  |  | $ | 57 |  |  | $ | 28,874 |  |  | $ | 31,582 |  |  | $ | 1,517 |
The following table summarizes the average recorded investments on loans specifically evaluated for impairment and the interest income recognized:
|  | December 31, 2017 |  |  | December 31, 2016 |  |  | December 31, 2015 |
(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 |  | $ | 1,841 |  |  | $ | - |  |  | $ | 6,217 |  |  | $ | - |  |  | $ | 2,219 |  |  | $ | 71 |
Commercial Real Estate |  |  | 3,534 |  |  |  | 115 |  |  |  | 5,828 |  |  |  | 167 |  |  |  | 8,538 |  |  |  | 164 |
Agricultural |  |  | 224 |  |  |  | 1 |  |  |  | 715 |  |  |  | 1 |  |  |  | 148 |  |  |  | 1 |
Agricultural Real Estate |  |  | 1,709 |  |  |  | 43 |  |  |  | 908 |  |  |  | 44 |  |  |  | 628 |  |  |  | 45 |
Business Banking |  |  | 875 |  |  |  | 12 |  |  |  | 830 |  |  |  | 9 |  |  |  | 960 |  |  |  | 21 |
Total Commerical Loans |  | $ | 8,183 |  |  | $ | 171 |  |  | $ | 14,498 |  |  | $ | 221 |  |  | $ | 12,493 |  |  | $ | 302 |
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  | $ | 35 |  |  | $ | 3 |  |  | $ | 8 |  |  | $ | - |  |  | $ | - |  |  | $ | - |
Home Equity |  |  | 8,226 |  |  |  | 446 |  |  |  | 8,278 |  |  |  | 480 |  |  |  | 7,070 |  |  |  | 374 |
Direct |  |  | 178 |  |  |  | 8 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total Consumer Loans |  | $ | 8,439 |  |  | $ | 457 |  |  | $ | 8,286 |  |  | $ | 480 |  |  | $ | 7,070 |  |  | $ | 374 |
Residential Real Estate Mortgages |  | $ | 6,523 |  |  |  | 296 |  |  |  | 6,143 |  |  |  | 269 |  |  |  | 5,128 |  |  |  | 219 |
Total Originated |  | $ | 23,145 |  |  | $ | 924 |  |  | $ | 28,927 |  |  | $ | 970 |  |  | $ | 24,691 |  |  | $ | 895 |
Acquired |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 2,045 |  |  | $ | - |
Commercial Real Estate |  |  | 93 |  |  |  | - |  |  |  | 1,205 |  |  |  | - |  |  |  | 5,734 |  |  |  | - |
Total Commerical Loans |  | $ | 93 |  |  | $ | - |  |  | $ | 1,205 |  |  | $ | - |  |  | $ | 7,779 |  |  | $ | - |
Total Acquired |  | $ | 93 |  |  | $ | - |  |  | $ | 1,205 |  |  | $ | - |  |  | $ | 7,779 |  |  | $ | - |
Total |  | $ | 23,238 |  |  | $ | 924 |  |  | $ | 30,132 |  |  | $ | 970 |  |  | $ | 32,470 |  |  | $ | 895 |
Financing receivable credit quality by loan class | The following tables illustrate the Company’s credit quality by loan class:
(In thousands) |  | December 31, 2017 |
Originated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Credit Exposure |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
By Internally Assigned Grade: |  | Commercial |  |  | Commercial Real Estate |  |  | Agricultural |  |  | Agricultural Real Estate |  |  | Total |
Pass |  | $ | 708,567 |  |  | $ | 1,481,926 |  |  | $ | 31,142 |  |  | $ | 23,381 |  |  | $ | 2,245,016 |
Special Mention |  |  | 30,337 |  |  |  | 28,264 |  |  |  | 2,294 |  |  |  | 2,441 |  |  |  | 63,336 |
Substandard |  |  | 14,875 |  |  |  | 26,352 |  |  |  | 2,110 |  |  |  | 8,312 |  |  |  | 51,649 |
Total |  | $ | 753,779 |  |  | $ | 1,536,542 |  |  | $ | 35,546 |  |  | $ | 34,134 |  |  | $ | 2,360,001 |
Business Banking Credit Exposure |  |  |  |  |  |  |  |
By Internally Assigned Grade: |  |  | Business Banking |  |  |  | Total |
Non-classified |  | $ | 468,898 |  |  | $ | 468,898 |
Classified |  |  | 12,057 |  |  |  | 12,057 |
Total |  | $ | 480,955 |  |  | $ | 480,955 |
Consumer Credit Exposure |  |  |  |  |  |  |  |  |  |  |  |
By Payment Activity: |  | Indirect |  |  | Home Equity |  |  | Direct |  |  | Total |
Performing |  | $ | 1,665,444 |  |  | $ | 451,822 |  |  | $ | 64,848 |  |  | $ | 2,182,114 |
Nonperforming |  |  | 5,607 |  |  |  | 3,077 |  |  |  | 105 |  |  |  | 8,789 |
Total |  | $ | 1,671,051 |  |  | $ | 454,899 |  |  | $ | 64,953 |  |  | $ | 2,190,903 |
Residential Mortgage Credit Exposure |  |  |  |  |  |
By Payment Activity: |  | Residential Mortgage |  |  | Total |
Performing |  | $ | 1,143,974 |  |  | $ | 1,143,974 |
Nonperforming |  |  | 7,249 |  |  |  | 7,249 |
Total |  | $ | 1,151,223 |  |  | $ | 1,151,223 |
Acquired |  |  |  |  |  |  |  |  |
Commercial Credit Exposure |  |  |  |  |  |  |  |  |
By Internally Assigned Grade: |  | Commercial |  |  | Commercial Real Estate |  |  | Total |
Pass |  | $ | 37,825 |  |  | $ | 103,248 |  |  | $ | 141,073 |
Special Mention |  |  | 425 |  |  |  | 498 |  |  |  | 923 |
Substandard |  |  | 1,325 |  |  |  | 2,888 |  |  |  | 4,213 |
Total |  | $ | 39,575 |  |  | $ | 106,634 |  |  | $ | 146,209 |
Business Banking Credit Exposure |  |  |  |  |  |
By Internally Assigned Grade: |  | Business Banking |  |  | Total |
Non-classified |  | $ | 38,236 |  |  | $ | 38,236 |
Classified |  |  | 2,868 |  |  |  | 2,868 |
Total |  | $ | 41,104 |  |  | $ | 41,104 |
Consumer Credit Exposure |  |  |  |  |  |  |  |  |  |  |  |
By Payment Activity: |  | Indirect |  |  | Home E quity |  |  | Direct |  |  | Total |
Performing |  | $ | 1,195 |  |  | $ | 39,544 |  |  | $ | 2,792 |  |  | $ | 43,531 |
Nonperforming |  |  | 23 |  |  |  | 328 |  |  |  | 24 |  |  |  | 375 |
Total |  | $ | 1,218 |  |  | $ | 39,872 |  |  | $ | 2,816 |  |  | $ | 43,906 |
Residential Mortgage Credit Exposure |  |  |  |  |  |
By Payment Activity: |  | Residential Mortgage |  |  | Total |
Performing |  | $ | 168,901 |  |  | $ | 168,901 |
Nonperforming |  |  | 1,571 |  |  |  | 1,571 |
Total |  | $ | 170,472 |  |  | $ | 170,472 |
(In thousands) |  | December 31, 2016 |
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 |
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:
|  | Year ended December 31, 2017 |
(In thousands) |  | Number of Contracts |  |  | Pre- Modification Outstanding Recorded Investment |  |  | Post- Modification Outstanding Recorded Investment |
Commercial Loans: |  |  |  |  |  |  |  |  |
Commercial |  |  | 1 |  |  | $ | 3,300 |  |  | $ | 3,239 |
Business Banking |  |  | 3 |  |  |  | 385 |  |  |  | 381 |
Total Commercial Loans |  |  | 4 |  |  | $ | 3,685 |  |  | $ | 3,620 |
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  |  | 8 |  |  | $ | 145 |  |  | $ | 143 |
Home Equity |  |  | 13 |  |  |  | 552 |  |  |  | 600 |
Direct |  |  | 2 |  |  |  | 279 |  |  |  | 279 |
Total Consumer Loans |  |  | 23 |  |  | $ | 976 |  |  | $ | 1,022 |
Residential Real Estate Mortgages |  |  | 15 |  |  | $ | 1,454 |  |  | $ | 1,474 |
Total Troubled Debt Restructurings |  |  | 42 |  |  | $ | 6,115 |  |  | $ | 6,116 |
|  | Year ended December 31, 2016 |
(In thousands) |  | Number of contracts |  |  | Pre- Modification Outstanding Recorded Investment |  |  | Post- Modification Outstanding Recorded Investment |
Consumer Loans: |  |  |  |  |  |  |  |  |
Home Equity |  |  | 28 |  |  | $ | 1,886 |  |  | $ | 1,743 |
Total Consumer Loans |  |  | 28 |  |  | $ | 1,886 |  |  | $ | 1,743 |
Residential Real Estate Mortgages |  |  | 13 |  |  | $ | 1,084 |  |  | $ | 843 |
Total Troubled Debt Restructurings |  |  | 41 |  |  | $ | 2,970 |  |  | $ | 2,586 |
The following table illustrates the recorded investment and number of modifications for TDRs where a concession has been made and subsequently defaulted during the period:
|  | Year ended December 31, 2017 |  |  | Year ended December 31, 2016 |
(In thousands) |  | Number of contracts |  |  | Recorded Investment |  |  | Number of contracts |  |  | Recorded Investment |
Commercial Loans: |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  | 1 |  |  | $ | 145 |  |  |  | 1 |  |  | $ | 169 |
Commercial Real Estate |  |  | - |  |  |  | - |  |  |  | 1 |  |  |  | 1,573 |
Business Banking |  |  | 1 |  |  |  | 329 |  |  |  | 1 |  |  |  | 67 |
Total Commercial Loans |  |  | 2 |  |  | $ | 474 |  |  |  | 3 |  |  | $ | 1,809 |
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  |  | 2 |  |  | $ | 19 |  |  |  | - |  |  | $ | - |
Home Equity |  |  | 34 |  |  |  | 1,720 |  |  |  | 34 |  |  |  | 1,770 |
Total Consumer Loans |  |  | 36 |  |  | $ | 1,739 |  |  |  | 34 |  |  | $ | 1,770 |
Residential Real Estate Mortgages |  |  | 19 |  |  | $ | 1,302 |  |  |  | 16 |  |  | $ | 1,109 |
Total Troubled Debt Restructurings |  |  | 57 |  |  | $ | 3,515 |  |  |  | 53 |  |  | $ | 4,688 |

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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=84173941&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=82894031&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=84173941&loc=SL6953659-111524 + Details
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- Definition Tabular disclosure of impaired financing receivables. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 15 -URI http://asc.fasb.org/extlink&oid=84173941&loc=d3e5212-111524 + 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=84173941&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=84173941&loc=SL6953401-111524 + Details
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