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Allowance for Loan Losses and Credit Quality of Loans (Tables) | 3 Months Ended
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Mar. 31, 2018
Allowance for Loan Losses and Credit Quality of Loans [Abstract] |
Portfolio and Class Segments | :
Portfolio | Class - 2018 | Class - 2017
Commercial Loans | Commercial and Industrial | Commercial
| Commercial Real Estate | Commercial Real Estate
| Business Banking | Agricultural
|  | Agricultural Real Estate
|  | Business Banking
Consumer Loans | Dealer Finance | Indirect
| Specialty Lending | Home Equity
| Direct | 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:
(In thousands) |  | Commercial Loans |  |  | Consumer Loans |  |  | Residential Real Estate Mortgages |  |  | Total |
Balance as of December 31, 2017 |  | $ | 27,606 |  |  | $ | 36,830 |  |  | $ | 5,064 |  |  | $ | 69,500 |
Charge-offs |  |  | (805 | ) |  |  | (7,687 | ) |  |  | (182 | ) |  |  | (8,674 | )
Recoveries |  |  | 187 |  |  |  | 1,644 |  |  |  | 47 |  |  |  | 1,878 |
Provision |  |  | 1,202 |  |  |  | 6,186 |  |  |  | 108 |  |  |  | 7,496 |
Ending Balance as of March 31, 2018 |  | $ | 28,190 |  |  | $ | 36,973 |  |  | $ | 5,037 |  |  | $ | 70,200 |
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 |
The following tables illustrate the allowance for loan losses and the recorded investment by portfolio segments:
(In thousands) |  | Commercial Loans |  |  | Consumer Loans |  |  | Residential Real Estate Mortgages |  |  | Total |
As of March 31, 2018 |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses |  | $ | 28,190 |  |  | $ | 36,973 |  |  | $ | 5,037 |  |  | $ | 70,200 |
Allowance for loans individually evaluated for impairment |  |  | 42 |  |  |  | - |  |  |  | - |  |  |  | 42 |
Allowance for loans collectively evaluated for impairment |  |  | 28,148 |  |  |  | 36,973 |  |  |  | 5,037 |  |  |  | 70,158 |
Ending balance of loans |  |  | 3,048,003 |  |  |  | 2,266,054 |  |  |  | 1,333,067 |  |  |  | 6,647,124 |
Ending balance of originated loans individually evaluated for impairment |  |  | 6,006 |  |  |  | 8,305 |  |  |  | 6,771 |  |  |  | 21,082 |
Ending balance of acquired loans collectively evaluated for impairment |  |  | 172,920 |  |  |  | 40,666 |  |  |  | 164,123 |  |  |  | 377,709 |
Ending balance of originated loans collectively evaluated for impairment |  | $ | 2,869,077 |  |  | $ | 2,217,083 |  |  | $ | 1,162,173 |  |  | $ | 6,248,333 |
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 |
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:
(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 March 31, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Originated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
C&I |  | $ | 639 |  |  | $ | 1,268 |  |  | $ | - |  |  | $ | 1,907 |  |  | $ | 1,196 |  |  | $ | 784,845 |  |  | $ | 787,948 |
CRE |  |  | 28 |  |  |  | - |  |  |  | - |  |  |  | 28 |  |  |  | 5,232 |  |  |  | 1,600,096 |  |  |  | 1,605,356 |
Business Banking |  |  | 2,116 |  |  |  | 797 |  |  |  | - |  |  |  | 2,913 |  |  |  | 6,194 |  |  |  | 472,672 |  |  |  | 481,779 |
Total Commercial Loans |  | $ | 2,783 |  |  | $ | 2,065 |  |  | $ | - |  |  | $ | 4,848 |  |  | $ | 12,622 |  |  | $ | 2,857,613 |  |  | $ | 2,875,083 |
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Dealer Finance |  | $ | 10,850 |  |  | $ | 1,920 |  |  | $ | 987 |  |  | $ | 13,757 |  |  | $ | 2,201 |  |  | $ | 1,224,238 |  |  | $ | 1,240,196 |
Specialty Lending |  |  | 3,843 |  |  |  | 1,627 |  |  |  | 1,292 |  |  |  | 6,762 |  |  |  | - |  |  |  | 464,912 |  |  |  | 471,674 |
Direct |  |  | 2,334 |  |  |  | 982 |  |  |  | 401 |  |  |  | 3,717 |  |  |  | 2,470 |  |  |  | 507,331 |  |  |  | 513,518 |
Total Consumer Loans |  | $ | 17,027 |  |  | $ | 4,529 |  |  | $ | 2,680 |  |  | $ | 24,236 |  |  | $ | 4,671 |  |  | $ | 2,196,481 |  |  | $ | 2,225,388 |
Residential Real Estate Mortgages |  | $ | 2,389 |  |  | $ | 1,635 |  |  | $ | 203 |  |  | $ | 4,227 |  |  | $ | 5,487 |  |  | $ | 1,159,230 |  |  | $ | 1,168,944 |
Total Originated Loans |  | $ | 22,199 |  |  | $ | 8,229 |  |  | $ | 2,883 |  |  | $ | 33,311 |  |  | $ | 22,780 |  |  | $ | 6,213,324 |  |  | $ | 6,269,415 |
Acquired |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
C&I |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 33,484 |  |  | $ | 33,484 |
CRE |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 2 |  |  |  | 97,463 |  |  |  | 97,465 |
Business Banking |  |  | 539 |  |  |  | 9 |  |  |  | - |  |  |  | 548 |  |  |  | 673 |  |  |  | 40,750 |  |  |  | 41,971 |
Total Commercial Loans |  | $ | 539 |  |  | $ | 9 |  |  | $ | - |  |  | $ | 548 |  |  | $ | 675 |  |  | $ | 171,697 |  |  | $ | 172,920 |
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Dealer Finance |  | $ | 7 |  |  | $ | 3 |  |  | $ | - |  |  | $ | 10 |  |  | $ | 15 |  |  | $ | 577 |  |  | $ | 602 |
Direct |  |  | 368 |  |  |  | - |  |  |  | 51 |  |  |  | 419 |  |  |  | 281 |  |  |  | 39,364 |  |  |  | 40,064 |
Total Consumer Loans |  | $ | 375 |  |  | $ | 3 |  |  | $ | 51 |  |  | $ | 429 |  |  | $ | 296 |  |  | $ | 39,941 |  |  | $ | 40,666 |
Residential Real Estate Mortgages |  | $ | 565 |  |  | $ | 102 |  |  | $ | - |  |  | $ | 667 |  |  | $ | 1,675 |  |  | $ | 161,781 |  |  | $ | 164,123 |
Total Acquired Loans |  | $ | 1,479 |  |  | $ | 114 |  |  | $ | 51 |  |  | $ | 1,644 |  |  | $ | 2,646 |  |  | $ | 373,419 |  |  | $ | 377,709 |
Total Loans |  | $ | 23,678 |  |  | $ | 8,343 |  |  | $ | 2,934 |  |  | $ | 34,955 |  |  | $ | 25,426 |  |  | $ | 6,586,743 |  |  | $ | 6,647,124 |
(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 |
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 |
Impaired Loans and Specific Reserve Allocations | The following table provides information on impaired loans specifically evaluated for impairment:
|  | March 31, 2018 |  |  | December 31, 2017 |
(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: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
C&I |  | $ | 430 |  |  | $ | 696 |  |  |  |  | $ | - |  |  | $ | - |  |  |
CRE |  |  | 4,397 |  |  |  | 6,362 |  |  |  |  |  | - |  |  |  | - |  |  |
Commercial |  |  | - |  |  |  | - |  |  |  |  |  | - |  |  |  | 251 |  |  |
Commercial Real Estate |  |  | - |  |  |  | - |  |  |  |  |  | 2,211 |  |  |  | 3,979 |  |  |
Agricultural |  |  | - |  |  |  | - |  |  |  |  |  | 452 |  |  |  | 465 |  |  |
Agricultural Real Estate |  |  | - |  |  |  | - |  |  |  |  |  | 2,250 |  |  |  | 2,423 |  |  |
Business Banking |  |  | 1,078 |  |  |  | 2,135 |  |  |  |  |  | 860 |  |  |  | 1,730 |  |  |
Total Commercial Loans |  | $ | 5,905 |  |  | $ | 9,193 |  |  |  |  | $ | 5,773 |  |  | $ | 8,848 |  |  |
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Dealer Finance |  | $ | 198 |  |  | $ | 216 |  |  |  |  | $ | - |  |  | $ | - |  |  |
Direct |  |  | 8,107 |  |  |  | 10,077 |  |  |  |  |  | - |  |  |  | - |  |  |
Indirect |  |  | - |  |  |  | - |  |  |  |  |  | 131 |  |  |  | 143 |  |  |
Home Equity |  |  | - |  |  |  | - |  |  |  |  |  | 8,027 |  |  |  | 9,966 |  |  |
Direct |  |  | - |  |  |  | - |  |  |  |  |  | 274 |  |  |  | 274 |  |  |
Total Consumer Loans |  | $ | 8,305 |  |  | $ | 10,293 |  |  |  |  | $ | 8,432 |  |  | $ | 10,383 |  |  |
Residential Real Estate Mortgages |  | $ | 6,771 |  |  | $ | 9,097 |  |  |  |  | $ | 6,830 |  |  | $ | 8,780 |  |  |
Total |  | $ | 20,981 |  |  | $ | 28,583 |  |  |  |  | $ | 21,035 |  |  | $ | 28,011 |  |  |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
C&I |  | $ | 27 |  |  | $ | 26 |  |  | $ | 27 |  |  | $ | - |  |  | $ | - |  |  | $ | - |
CRE |  |  | 74 |  |  |  | 81 |  |  |  | 15 |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial Real Estate |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 76 |  |  |  | 82 |  |  |  | 30 |
Agricultural |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 27 |  |  |  | 27 |  |  |  | 27 |
Total Commercial Loans |  | $ | 101 |  |  | $ | 107 |  |  | $ | 42 |  |  | $ | 103 |  |  | $ | 109 |  |  | $ | 57 |
Total: |  | $ | 21,082 |  |  | $ | 28,690 |  |  | $ | 42 |  |  | $ | 21,138 |  |  | $ | 28,120 |  |  | $ | 57 |
The following tables summarize the average recorded investments on loans specifically evaluated for impairment and the interest income recognized:
|  | For the three months ended |
|  | March 31, 2018 |  |  | March 31, 2017 |
(In thousands) |  | Average Recorded Investment |  |  | Interest Income Recognized Accrual |  |  | Average Recorded Investment |  |  | Interest Income Recognized Accrual |
Originated |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans: |  |  |  |  |  |  |  |  |  |  |  |
C&I |  | $ | 467 |  |  | $ | - |  |  | $ | - |  |  | $ | - |
CRE |  |  | 4,506 |  |  |  | 32 |  |  |  | - |  |  |  | - |
Commercial |  |  | - |  |  |  | - |  |  |  | 2,926 |  |  |  | - |
Commercial Real Estate |  |  | - |  |  |  | - |  |  |  | 5,995 |  |  |  | 44 |
Agricultural |  |  | - |  |  |  | - |  |  |  | 173 |  |  |  | - |
Agricultural Real Estate |  |  | - |  |  |  | - |  |  |  | 1,580 |  |  |  | 11 |
Business Banking |  |  | 954 |  |  |  | 5 |  |  |  | 650 |  |  |  | 2 |
Total Commercial Loans |  | $ | 5,927 |  |  | $ | 37 |  |  | $ | 11,324 |  |  | $ | 57 |
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Dealer Finance |  | $ | 184 |  |  | $ | 3 |  |  | $ | - |  |  | $ | - |
Direct |  |  | 8,190 |  |  |  | 109 |  |  |  | - |  |  |  | - |
Indirect |  |  | - |  |  |  | - |  |  |  | 5 |  |  |  | - |
Home Equity |  |  | - |  |  |  | - |  |  |  | 8,431 |  |  |  | 110 |
Total Consumer Loans |  | $ | 8,374 |  |  | $ | 112 |  |  | $ | 8,436 |  |  | $ | 110 |
Residential Real Estate Mortgages |  | $ | 6,881 |  |  | $ | 73 |  |  | $ | 5,611 |  |  | $ | 39 |
Total Originated |  | $ | 21,182 |  |  | $ | 222 |  |  | $ | 25,371 |  |  | $ | 206 |
Acquired |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Real Estate |  | $ | - |  |  | $ | - |  |  | $ | 301 |  |  | $ | - |
Total Commercial Loans |  | $ | - |  |  | $ | - |  |  | $ | 301 |  |  | $ | - |
Total Acquired |  | $ | - |  |  | $ | - |  |  | $ | 301 |  |  | $ | - |
Total Loans |  | $ | 21,182 |  |  | $ | 222 |  |  | $ | 25,672 |  |  | $ | 206 |
Financing Receivable Credit Quality by Loan Class | The following tables illustrate the Company's credit quality by loan class:
(In thousands) | March 31, 2018 |
Originated |  |  |  |  |  |  |  |  |  |
Commercial Credit Exposure |  |  |  |  |  |  |  |  |  |
By Internally Assigned Grade: |  |  |  |  |  | C&I |  |  | CRE |  |  | Total |
Pass |  |  |  |  |  |  |  |  |  | $ | $731,934 |  |  | $ | $1,550,184 |  |  | $ | 2,282,118 |
Special Mention |  |  |  |  |  |  |  |  |  |  | 37,543 |  |  |  | 15,868 |  |  |  | 53,411 |
Substandard |  |  |  |  |  |  |  |  |  |  | 18,471 |  |  |  | 39,304 |  |  |  | 57,775 |
Total |  |  |  |  |  |  |  |  |  | $ | 787,948 |  |  | $ | 1,605,356 |  |  | $ | 2,393,304 |
Business Banking Credit Exposure |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
By Internally Assigned Grade: |  |  |  |  |  |  |  | Business Banking |  |  | Total |
Non-classified |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 468,842 |  |  | $ | 468,842 |
Classified |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12,937 |  |  |  | 12,937 |
Total |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 481,779 |  |  | $ | 481,779 |
Consumer Credit Exposure |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
By Payment Activity: |  |  |  | Dealer Finance |  |  | Specialty Lending |  |  | Direct |  |  | Total |
Performing |  |  |  |  |  | $ | 1,237,008 |  |  | $ | 470,382 |  |  | $ | 510,647 |  |  | $ | 2,218,037 |
Nonperforming |  |  |  |  |  |  | 3,188 |  |  |  | 1,292 |  |  |  | 2,871 |  |  |  | 7,351 |
Total |  |  |  |  |  | $ | 1,240,196 |  |  | $ | 471,674 |  |  | $ | 513,518 |  |  | $ | 2,225,388 |
Residential Real Estate Mortgage Credit Exposure |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
By Payment Activity: |  |  |  |  |  |  |  | Residential Real Estate Mortgage |  |  | Total |
Performing |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 1,163,254 |  |  | $ | 1,163,254 |
Nonperforming |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5,690 |  |  |  | 5,690 |
Total |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 1,168,944 |  |  | $ | 1,168,944 |
Acquired |  |  |  |  |  |  |  |  |
Commercial Credit Exposure |  |  |  |  |  |  |  |  |
By Internally Assigned Grade: |  |  |  |  | C&I |  |  | CRE |  |  | Total |
Pass |  |  |  |  |  | $ | 30,699 |  |  | $ | 96,233 |  |  | $ | 126,932 |
Special Mention |  |  |  |  |  |  | 2,069 |  |  |  | 484 |  |  |  | 2,553 |
Substandard |  |  |  |  |  |  | 716 |  |  |  | 748 |  |  |  | 1,464 |
Total |  |  |  |  |  | $ | 33,484 |  |  | $ | 97,465 |  |  | $ | 130,949 |
Business Banking Credit Exposure |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
By Internally Assigned Grade: |  |  |  |  |  |  |  |  |  | Business Banking |  |  | Total |
Non-classified |  |  |  |  |  |  |  |  |  | $ | 39,111 |  |  | $ | 39,111 |
Classified |  |  |  |  |  |  |  |  |  |  | 2,860 |  |  |  | 2,860 |
Total |  |  |  |  |  |  |  |  |  | $ | 41,971 |  |  | $ | 41,971 |
Consumer Credit Exposure |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
By Payment Activity: |  |  |  |  |  | Dealer Finance |  |  | Direct |  | Total |  |
Performing |  |  |  |  |  | $ | 587 |  |  | $ | 39,732 |  |  | $ | 40,319 |
Nonperforming |  |  |  |  |  |  | 15 |  |  |  | 332 |  |  |  | 347 |
Total |  |  |  |  |  | $ | 602 |  |  | $ | 40,064 |  |  | $ | 40,666 |
Residential Real Estate Mortgage Credit Exposure |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
By Payment Activity: |  |  |  |  |  |  |  |  |  | Residential Real Estate Mortgage |  |  | Total |
Performing |  |  |  |  |  |  |  |  |  | $ | 162,448 |  |  | $ | 162,448 |
Nonperforming |  |  |  |  |  |  |  |  |  |  | 1,675 |  |  |  | 1,675 |
Total |  |  |  |  |  |  |  |  |  | $ | 164,123 |  |  | $ | 164,123 |
(In thousands) |  | As of 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 Real Estate Mortgage Credit Exposure |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
By Payment Activity: |  |  |  |  |  |  |  |  |  |  |  |  |  | Residential Real Estate 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 Equity |  |  | 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 Real Estate Mortgage Credit Exposure |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
By Payment Activity: |  |  |  |  |  |  |  |  |  | Residential Real Estate Mortgage |  |  | Total |
Performing |  |  |  |  |  |  |  |  |  | $ | 168,901 |  |  | $ | 168,901 |
Nonperforming |  |  |  |  |  |  |  |  |  |  | 1,571 |  |  |  | 1,571 |
Total |  |  |  |  |  |  |  |  |  | $ | 170,472 |  |  | $ | 170,472 |
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 (dollars in thousands):
|  | Three months ended March 31, 2018 |
(Dollars in thousands) |  | Number of Contracts |  |  | Pre-Modification Outstanding Recorded Investment |  |  | Post-Modification Outstanding Recorded Investment |
Commercial |  |  |  |  |  |  |  |  |
Business Banking |  |  | 3 |  |  | $ | 319 |  |  | $ | 410 |
Total Commercial |  |  | 3 |  |  | $ | 319 |  |  | $ | 410 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |
Dealer Finance |  |  | 6 |  |  | $ | 82 |  |  | $ | 81 |
Direct |  |  | 2 |  |  |  | 41 |  |  |  | 41 |
Total Consumer |  |  | 8 |  |  | $ | 123 |  |  | $ | 122 |
Residential Real Estate Mortgages |  |  | 5 |  |  |  | 323 |  |  |  | 323 |
Total Troubled Debt Restructurings |  |  | 16 |  |  | $ | 765 |  |  | $ | 855 |
|  | 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 Mortgages |  |  | 1 |  |  | $ | 141 |  |  | $ | 138 |
Total Troubled Debt Restructurings |  |  | 3 |  |  | $ | 219 |  |  | $ | 215 |
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:
|  | Three months ended March 31, 2018 |  |  | Three months ended March 31, 2017 |
(Dollars in thousands) |  | Number of contracts |  |  | Recorded Investment |  |  | Number of contracts |  |  | Recorded Investment |
Commercial Loans: |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  | - |  |  | $ | - |  |  |  | 1 |  |  | $ | 145 |
Business Banking |  |  | 1 |  |  |  | 200 |  |  |  | - |  |  |  | - |
Total Commercial Loans |  |  | 1 |  |  | $ | 200 |  |  |  | - |  |  | $ | 145 |
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  |  | - |  |  | $ | - |  |  |  | 1 |  |  | $ | 5 |
Home Equity |  |  | - |  |  |  | - |  |  |  | 12 |  |  |  | 663 |
Direct |  |  | 14 |  |  |  | 870 |  |  |  | - |  |  |  | - |
Total Consumer Loans |  |  | 14 |  |  | $ | 870 |  |  |  | 13 |  |  | $ | 668 |
Residential Real Estate Mortgages |  |  | 8 |  |  | $ | 504 |  |  |  | 4 |  |  | $ | 167 |
Total Troubled Debt Restructurings |  |  | 23 |  |  | $ | 1,574 |  |  |  | 18 |  |  | $ | 980 |

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