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Allowance for Loan Losses and Credit Quality of Loans (Tables) | 6 Months Ended
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Jun. 30, 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
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 |  |  | Total |
Balance as of March 31, 2018 |  | $ | 28,190 |  |  | $ | 36,973 |  |  | $ | 5,037 |  |  | $ | 70,200 |
Charge-offs |  |  | (907 | ) |  |  | (7,442 | ) |  |  | (208 | ) |  |  | (8,557 | )
Recoveries |  |  | 183 |  |  |  | 1,700 |  |  |  | 146 |  |  |  | 2,029 |
Provision |  |  | 3,593 |  |  |  | 5,248 |  |  |  | (63 | ) |  |  | 8,778 |
Ending Balance as of June 30, 2018 |  | $ | 31,059 |  |  | $ | 36,479 |  |  | $ | 4,912 |  |  | $ | 72,450 |
Balance as of March 31, 2017 |  | $ | 24,727 |  |  | $ | 34,769 |  |  | $ | 6,204 |  |  | $ | 65,700 |
Charge-offs |  |  | (1,123 | ) |  |  | (6,261 | ) |  |  | (698 | ) |  |  | (8,082 | )
Recoveries |  |  | 206 |  |  |  | 1,199 |  |  |  | 10 |  |  |  | 1,415 |
Provision |  |  | 618 |  |  |  | 5,816 |  |  |  | 1,133 |  |  |  | 7,567 |
Ending Balance as of June 30, 2017 |  | $ | 24,428 |  |  | $ | 35,523 |  |  | $ | 6,649 |  |  | $ | 66,600 |
(In thousands) |  | Commercial Loans |  |  | Consumer Loans |  |  | Residential Real Estate |  |  | Total |
Balance as of December 31, 2017 |  | $ | 27,606 |  |  | $ | 36,830 |  |  | $ | 5,064 |  |  | $ | 69,500 |
Charge-offs |  |  | (1,712 | ) |  |  | (15,129 | ) |  |  | (390 | ) |  |  | (17,231 | )
Recoveries |  |  | 370 |  |  |  | 3,344 |  |  |  | 193 |  |  |  | 3,907 |
Provision |  |  | 4,795 |  |  |  | 11,434 |  |  |  | 45 |  |  |  | 16,274 |
Ending Balance as of June 30, 2018 |  | $ | 31,059 |  |  | $ | 36,479 |  |  | $ | 4,912 |  |  | $ | 72,450 |
Balance as of December 31, 2016 |  | $ | 25,444 |  |  | $ | 33,375 |  |  | $ | 6,381 |  |  | $ | 65,200 |
Charge-offs |  |  | (2,417 | ) |  |  | (12,763 | ) |  |  | (1,296 | ) |  |  | (16,476 | )
Recoveries |  |  | 653 |  |  |  | 2,234 |  |  |  | 43 |  |  |  | 2,930 |
Provision |  |  | 748 |  |  |  | 12,677 |  |  |  | 1,521 |  |  |  | 14,946 |
Ending Balance as of June 30, 2017 |  | $ | 24,428 |  |  | $ | 35,523 |  |  | $ | 6,649 |  |  | $ | 66,600 |
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 |  |  | Total |
As of June 30, 2018 |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses |  | $ | 31,059 |  |  | $ | 36,479 |  |  | $ | 4,912 |  |  | $ | 72,450 |
Allowance for loans individually evaluated for impairment |  |  | 25 |  |  |  | - |  |  |  | - |  |  |  | 25 |
Allowance for loans collectively evaluated for impairment |  | $ | 31,034 |  |  | $ | 36,479 |  |  | $ | 4,912 |  |  | $ | 72,425 |
Ending balance of loans |  | $ | 3,190,556 |  |  | $ | 2,317,746 |  |  | $ | 1,350,761 |  |  | $ | 6,859,063 |
Ending balance of originated loans individually evaluated for impairment |  |  | 5,132 |  |  |  | 8,006 |  |  |  | 6,591 |  |  |  | 19,729 |
Ending balance of acquired loans collectively evaluated for impairment |  |  | 162,216 |  |  |  | 36,865 |  |  |  | 158,908 |  |  |  | 357,989 |
Ending balance of originated loans collectively evaluated for impairment |  | $ | 3,023,208 |  |  | $ | 2,272,875 |  |  | $ | 1,185,262 |  |  | $ | 6,481,345 |
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 June 30, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Originated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
C&I |  | $ | 1,395 |  |  | $ | 394 |  |  | $ | - |  |  | $ | 1,789 |  |  | $ | 1,041 |  |  | $ | 833,557 |  |  | $ | 836,387 |
CRE |  |  | 1,846 |  |  |  | - |  |  |  | - |  |  |  | 1,846 |  |  |  | 4,085 |  |  |  | 1,704,773 |  |  |  | 1,710,704 |
Business Banking |  |  | 1,089 |  |  |  | 540 |  |  |  | - |  |  |  | 1,629 |  |  |  | 6,047 |  |  |  | 473,573 |  |  |  | 481,249 |
Total Commercial Loans |  | $ | 4,330 |  |  | $ | 934 |  |  | $ | - |  |  | $ | 5,264 |  |  | $ | 11,173 |  |  | $ | 3,011,903 |  |  | $ | 3,028,340 |
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Dealer Finance |  | $ | 11,909 |  |  | $ | 1,956 |  |  | $ | 745 |  |  | $ | 14,610 |  |  | $ | 1,972 |  |  | $ | 1,235,983 |  |  | $ | 1,252,565 |
Specialty Lending |  |  | 2,960 |  |  |  | 1,921 |  |  |  | 1,106 |  |  |  | 5,987 |  |  |  | - |  |  |  | 501,631 |  |  |  | 507,618 |
Direct |  |  | 2,488 |  |  |  | 653 |  |  |  | 322 |  |  |  | 3,463 |  |  |  | 2,716 |  |  |  | 514,519 |  |  |  | 520,698 |
Total Consumer Loans |  | $ | 17,357 |  |  | $ | 4,530 |  |  | $ | 2,173 |  |  | $ | 24,060 |  |  | $ | 4,688 |  |  | $ | 2,252,133 |  |  | $ | 2,280,881 |
Residential Real Estate |  | $ | 2,477 |  |  | $ | 746 |  |  | $ | 36 |  |  | $ | 3,259 |  |  | $ | 5,600 |  |  | $ | 1,182,994 |  |  | $ | 1,191,853 |
Total Originated Loans |  | $ | 24,164 |  |  | $ | 6,210 |  |  | $ | 2,209 |  |  | $ | 32,583 |  |  | $ | 21,461 |  |  | $ | 6,447,030 |  |  | $ | 6,501,074 |
Acquired |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
C&I |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 34,054 |  |  | $ | 34,054 |
CRE |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 2 |  |  |  | 90,049 |  |  |  | 90,051 |
Business Banking |  |  | 442 |  |  |  | 80 |  |  |  | - |  |  |  | 522 |  |  |  | 603 |  |  |  | 36,986 |  |  |  | 38,111 |
Total Commercial Loans |  | $ | 442 |  |  | $ | 80 |  |  | $ | - |  |  | $ | 522 |  |  | $ | 605 |  |  | $ | 161,089 |  |  | $ | 162,216 |
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Dealer Finance |  | $ | 5 |  |  | $ | - |  |  | $ | - |  |  | $ | 5 |  |  | $ | 14 |  |  | $ | 259 |  |  | $ | 278 |
Direct |  |  | 227 |  |  |  | 44 |  |  |  | - |  |  |  | 271 |  |  |  | 314 |  |  |  | 36,002 |  |  |  | 36,587 |
Total Consumer Loans |  | $ | 232 |  |  | $ | 44 |  |  | $ | - |  |  | $ | 276 |  |  | $ | 328 |  |  | $ | 36,261 |  |  | $ | 36,865 |
Residential Real Estate |  | $ | 972 |  |  | $ | - |  |  | $ | - |  |  | $ | 972 |  |  | $ | 1,612 |  |  | $ | 156,324 |  |  | $ | 158,908 |
Total Acquired Loans |  | $ | 1,646 |  |  | $ | 124 |  |  | $ | - |  |  | $ | 1,770 |  |  | $ | 2,545 |  |  | $ | 353,674 |  |  | $ | 357,989 |
Total Loans |  | $ | 25,810 |  |  | $ | 6,334 |  |  | $ | 2,209 |  |  | $ | 34,353 |  |  | $ | 24,006 |  |  | $ | 6,800,704 |  |  | $ | 6,859,063 |
(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 |  | $ | 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 |  | $ | 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 loans specifically evaluated for impairment:
|  | June 30, 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 |  | $ | 412 |  |  | $ | 681 |  |  |  |  | $ | - |  |  | $ | - |  |  |
CRE |  |  | 3,665 |  |  |  | 5,585 |  |  |  |  |  | - |  |  |  | - |  |  |
Commercial |  |  | - |  |  |  | - |  |  |  |  |  | - |  |  |  | 251 |  |  |
Commercial Real Estate |  |  | - |  |  |  | - |  |  |  |  |  | 2,211 |  |  |  | 3,979 |  |  |
Agricultural |  |  | - |  |  |  | - |  |  |  |  |  | 452 |  |  |  | 465 |  |  |
Agricultural Real Estate |  |  | - |  |  |  | - |  |  |  |  |  | 2,250 |  |  |  | 2,423 |  |  |
Business Banking |  |  | 1,030 |  |  |  | 2,104 |  |  |  |  |  | 860 |  |  |  | 1,730 |  |  |
Total Commercial Loans |  | $ | 5,107 |  |  | $ | 8,370 |  |  |  |  | $ | 5,773 |  |  | $ | 8,848 |  |  |
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Dealer Finance |  | $ | 149 |  |  | $ | 189 |  |  |  |  | $ | - |  |  | $ | - |  |  |
Direct |  |  | 7,857 |  |  |  | 9,836 |  |  |  |  |  | - |  |  |  | - |  |  |
Indirect |  |  | - |  |  |  | - |  |  |  |  |  | 131 |  |  |  | 143 |  |  |
Home Equity |  |  | - |  |  |  | - |  |  |  |  |  | 8,027 |  |  |  | 9,966 |  |  |
Direct |  |  | - |  |  |  | - |  |  |  |  |  | 274 |  |  |  | 274 |  |  |
Total Consumer Loans |  | $ | 8,006 |  |  | $ | 10,025 |  |  |  |  | $ | 8,432 |  |  | $ | 10,383 |  |  |
Residential Real Estate |  | $ | 6,591 |  |  | $ | 8,836 |  |  |  |  | $ | 6,830 |  |  | $ | 8,780 |  |  |
Total |  | $ | 19,704 |  |  | $ | 27,231 |  |  |  |  | $ | 21,035 |  |  | $ | 28,011 |  |  |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
C&I |  | $ | 25 |  |  | $ | 25 |  |  | $ | 25 |  |  | $ | - |  |  | $ | - |  |  | $ | - |
Commercial Real Estate |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 76 |  |  |  | 82 |  |  |  | 30 |
Agricultural |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 27 |  |  |  | 27 |  |  |  | 27 |
Total Commercial Loans |  | $ | 25 |  |  | $ | 25 |  |  | $ | 25 |  |  | $ | 103 |  |  | $ | 109 |  |  | $ | 57 |
Total Loans |  | $ | 19,729 |  |  | $ | 27,256 |  |  | $ | 25 |  |  | $ | 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 |
|  | June 30, 2018 |  |  | June 30, 2017 |
(In thousands) |  | Average Recorded Investment |  |  | Interest Income Recognized |  |  | Average Recorded Investment |  |  | Interest Income Recognized |
Originated |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans: |  |  |  |  |  |  |  |  |  |  |  |
C&I |  | $ | 447 |  |  | $ | 1 |  |  | $ | - |  |  | $ | - |
CRE |  |  | 3,882 |  |  |  | 32 |  |  |  | - |  |  |  | - |
Commercial |  |  | - |  |  |  | - |  |  |  | 3,931 |  |  |  | - |
Commercial Real Estate |  |  | - |  |  |  | - |  |  |  | 3,243 |  |  |  | 1 |
Agricultural |  |  | - |  |  |  | - |  |  |  | 157 |  |  |  | 1 |
Agricultural Real Estate |  |  | - |  |  |  | - |  |  |  | 1,549 |  |  |  | 10 |
Business Banking |  |  | 1,044 |  |  |  | 3 |  |  |  | 890 |  |  |  | 3 |
Total Commercial Loans |  | $ | 5,373 |  |  | $ | 36 |  |  | $ | 9,770 |  |  | $ | 15 |
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Dealer Finance |  | $ | 194 |  |  | $ | 1 |  |  | $ | - |  |  | $ | - |
Direct |  |  | 7,952 |  |  |  | 106 |  |  |  | - |  |  |  | - |
Indirect |  |  | - |  |  |  | - |  |  |  | 25 |  |  |  | 1 |
Home Equity |  |  | - |  |  |  | - |  |  |  | 8,205 |  |  |  | 110 |
Direct |  |  | - |  |  |  | - |  |  |  | 120 |  |  |  | - |
Total Consumer Loans |  | $ | 8,146 |  |  | $ | 107 |  |  | $ | 8,350 |  |  | $ | 111 |
Residential Real Estate |  | $ | 6,738 |  |  | $ | 71 |  |  | $ | 6,388 |  |  | $ | 68 |
Total Originated Loans |  | $ | 20,257 |  |  | $ | 214 |  |  | $ | 24,508 |  |  | $ | 194 |
Total Loans |  | $ | 20,257 |  |  | $ | 214 |  |  | $ | 24,508 |  |  | $ | 194 |
|  | For the six months ended |
|  | June 30, 2018 |  |  | June 30, 2017 |
(In thousands) |  | Average Recorded Investment |  |  | Interest Income Recognized |  |  | Average Recorded Investment |  |  | Interest Income Recognized |
Originated |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans: |  |  |  |  |  |  |  |  |  |  |  |
C&I |  | $ | 457 |  |  | $ | 1 |  |  | $ | - |  |  | $ | - |
CRE |  |  | 4,154 |  |  |  | 64 |  |  |  | - |  |  |  | - |
Commercial |  |  | - |  |  |  | - |  |  |  | 3,419 |  |  |  | - |
Commercial Real Estate |  |  | - |  |  |  | - |  |  |  | 4,584 |  |  |  | 45 |
Agricultural |  |  | - |  |  |  | - |  |  |  | 165 |  |  |  | 1 |
Agricultural Real Estate |  |  | - |  |  |  | - |  |  |  | 1,564 |  |  |  | 21 |
Business Banking |  |  | 988 |  |  |  | 8 |  |  |  | 788 |  |  |  | 5 |
Total Commercial Loans |  | $ | 5,599 |  |  | $ | 73 |  |  | $ | 10,520 |  |  | $ | 72 |
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Dealer Finance |  | $ | 188 |  |  | $ | 4 |  |  | $ | - |  |  | $ | - |
Direct |  |  | 8,066 |  |  |  | 215 |  |  |  | - |  |  |  | - |
Indirect |  |  | - |  |  |  | - |  |  |  | 16 |  |  |  | 1 |
Home Equity |  |  | - |  |  |  | - |  |  |  | 8,310 |  |  |  | 220 |
Direct |  |  | - |  |  |  | - |  |  |  | 120 |  |  |  | - |
Total Consumer Loans |  | $ | 8,254 |  |  | $ | 219 |  |  | $ | 8,446 |  |  | $ | 221 |
Residential Real Estate |  | $ | 6,815 |  |  | $ | 144 |  |  | $ | 6,308 |  |  | $ | 129 |
Total Originated Loans |  | $ | 20,668 |  |  | $ | 436 |  |  | $ | 25,274 |  |  | $ | 422 |
Acquired |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Real Estate |  | $ | - |  |  | $ | - |  |  | $ | 172 |  |  | $ | - |
Total Commercial Loans |  | $ | - |  |  | $ | - |  |  | $ | 172 |  |  | $ | - |
Total Acquired Loans |  | $ | - |  |  | $ | - |  |  | $ | 172 |  |  | $ | - |
Total Loans |  | $ | 20,668 |  |  | $ | 436 |  |  | $ | 25,446 |  |  | $ | 422 |
Financing Receivable Credit Quality by Loan Class | The following tables illustrate the Company’s credit quality by loan class:
(In thousands) |  | As of June 30, 2018 |
Originated |  |  |  |  |  |  |  |  |
Commercial Credit Exposure By Internally Assigned Grade: |  |  | C&I |  |  | CRE |  |  | Total |
Pass |  | $ | 773,097 |  |  | $ | 1,658,780 |  |  | $ | 2,431,877 |
Special Mention |  |  | 46,153 |  |  |  | 14,720 |  |  |  | 60,873 |
Substandard |  |  | 16,737 |  |  |  | 37,204 |  |  |  | 53,941 |
Doubtful |  |  | 400 |  |  |  | - |  |  |  | 400 |
Total |  | $ | 836,387 |  |  | $ | 1,710,704 |  |  | $ | 2,547,091 |
Business Banking Credit Exposure By Internally Assigned Grade: |  | Business Banking |  |  | Total |
Non-classified |  | $ | 469,660 |  |  | $ | 469,660 |
Classified |  |  | 11,589 |  |  |  | 11,589 |
Total |  | $ | 481,249 |  |  | $ | 481,249 |
Consumer Credit Exposure By Payment Activity: |  | Dealer Finance |  |  | Specialty Lending |  |  | Direct |  |  | Total |
Performing |  | $ | 1,249,848 |  |  | $ | 506,512 |  |  | $ | 517,660 |  |  | $ | 2,274,020 |
Nonperforming |  |  | 2,717 |  |  |  | 1,106 |  |  |  | 3,038 |  |  |  | 6,861 |
Total |  | $ | 1,252,565 |  |  | $ | 507,618 |  |  | $ | 520,698 |  |  | $ | 2,280,881 |
Residential Real Estate Credit Exposure By Payment Activity: |  | Residential Real Estate |  |  | Total |
Performing |  | $ | 1,186,217 |  |  | $ | 1,186,217 |
Nonperforming |  |  | 5,636 |  |  |  | 5,636 |
Total |  | $ | 1,191,853 |  |  | $ | 1,191,853 |
Acquired
Commercial Credit Exposure By Internally Assigned Grade: |  |  | C&I |  |  | CRE |  |  | Total |
Pass |  | $ | 28,989 |  |  | $ | 88,818 |  |  | $ | 117,807 |
Special Mention |  |  | 5,019 |  |  |  | 564 |  |  |  | 5,583 |
Substandard |  |  | 46 |  |  |  | 669 |  |  |  | 715 |
Total |  | $ | 34,054 |  |  | $ | 90,051 |  |  | $ | 124,105 |
Business Banking Credit Exposure By Internally Assigned Grade: |  | Business Banking |  |  | Total |
Non-classified |  | $ | 35,691 |  |  | $ | 35,691 |
Classified |  |  | 2,420 |  |  |  | 2,420 |
Total |  | $ | 38,111 |  |  | $ | 38,111 |
Consumer Credit Exposure By Payment Activity: |  | Dealer Finance |  |  | Direct |  |  | Total |
Performing |  | $ | 264 |  |  | $ | 36,273 |  |  | $ | 36,537 |
Nonperforming |  |  | 14 |  |  |  | 314 |  |  |  | 328 |
Total |  | $ | 278 |  |  | $ | 36,587 |  |  | $ | 36,865 |
Residential Real Estate Credit Exposure By Payment Activity: |  | Residential Real Estate |  |  | Total |
Performing |  | $ | 157,296 |  |  | $ | 157,296 |
Nonperforming |  |  | 1,612 |  |  |  | 1,612 |
Total |  | $ | 158,908 |  |  | $ | 158,908 |
(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 Credit Exposure By Payment Activity: |  | Residential Real Estate |  |  | 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 Credit Exposure By Payment Activity: |  | Residential Real Estate |  |  | 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:
|  | Three months ended June 30, 2018 |
(Dollars in thousands) |  | Number of Contracts |  |  | Pre-Modification Outstanding Recorded Investment |  |  | Post-Modification Outstanding Recorded Investment |
Commercial Loans: |  |  |  |  |  |  |  |  |
Business Banking |  |  | 1 |  |  | $ | 6 |  |  | $ | 5 |
Total Commercial Loans |  |  | 1 |  |  | $ | 6 |  |  | $ | 5 |
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |
Dealer Finance |  |  | 1 |  |  | $ | 13 |  |  | $ | 13 |
Total Consumer Loans |  |  | 1 |  |  | $ | 13 |  |  | $ | 13 |
Total Troubled Debt Restructurings |  |  | 2 |  |  | $ | 19 |  |  | $ | 18 |
|  | Three months ended June 30, 2017 |
(Dollars 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 |  |  | 1 |  |  |  | 337 |  |  |  | 333 |
Total Commercial Loans |  |  | 2 |  |  | $ | 3,637 |  |  | $ | 3,572 |
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  |  | 3 |  |  | $ | 32 |  |  | $ | 31 |
Home Equity |  |  | 1 |  |  |  | 78 |  |  |  | 78 |
Direct |  |  | 1 |  |  |  | 120 |  |  |  | 120 |
Total Consumer Loans |  |  | 5 |  |  | $ | 230 |  |  | $ | 229 |
Residential Real Estate |  |  | 4 |  |  | $ | 346 |  |  | $ | 346 |
Total Troubled Debt Restructurings |  |  | 11 |  |  | $ | 4,213 |  |  | $ | 4,147 |
|  | Six months ended June 30, 2018 |
(Dollars in thousands) |  | Number of Contracts |  |  | Pre-Modification Outstanding Recorded Investment |  |  | Post-Modification Outstanding Recorded Investment |
Commercial Loans: |  |  |  |  |  |  |  |  |
Business Banking |  |  | 3 |  |  | $ | 369 |  |  | $ | 371 |
Total Commercial Loans |  |  | 3 |  |  | $ | 369 |  |  | $ | 371 |
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |
Dealer Finance |  |  | 7 |  |  | $ | 95 |  |  | $ | 94 |
Direct |  |  | 2 |  |  |  | 41 |  |  |  | 41 |
Total Consumer Loans |  |  | 9 |  |  | $ | 136 |  |  | $ | 135 |
Residential Real Estate |  |  | 5 |  |  | $ | 323 |  |  | $ | 323 |
Total Troubled Debt Restructurings |  |  | 17 |  |  | $ | 828 |  |  | $ | 829 |
|  | Six months ended June 30, 2017 |
(Dollars 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 |  |  | 1 |  |  |  | 337 |  |  |  | 333 |
Total Commercial Loans |  |  | 2 |  |  | $ | 3,637 |  |  | $ | 3,572 |
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  |  | 3 |  |  | $ | 32 |  |  | $ | 31 |
Home Equity |  |  | 4 |  |  |  | 185 |  |  |  | 192 |
Direct |  |  | 1 |  |  |  | 120 |  |  |  | 120 |
Total Consumer Loans |  |  | 8 |  |  | $ | 337 |  |  | $ | 343 |
Residential Real Estate |  |  | 6 |  |  | $ | 548 |  |  | $ | 554 |
Total Troubled Debt Restructurings |  |  | 16 |  |  | $ | 4,522 |  |  | $ | 4,469 |
The following tables illustrate the recorded investment and number of modifications for TDRs where a concession has been made and subsequently defaulted during the period:
|  | Three months ended June 30, 2018 |  |  | Three months ended June 30, 2017 |
(Dollars in thousands) |  | Number of Contracts |  |  | Recorded Investment |  |  | Number of Contracts |  |  | Recorded Investment |
Commercial Loans: |  |  |  |  |  |  |  |  |  |  |  |
Business Banking |  |  | 1 |  |  | $ | 58 |  |  |  | 1 |  |  | $ | 329 |
Total Commercial Loans |  |  | 1 |  |  | $ | 58 |  |  |  | 1 |  |  | $ | 329 |
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  |  | - |  |  | $ | - |  |  |  | 1 |  |  | $ | 14 |
Home Equity |  |  | - |  |  |  | - |  |  |  | 13 |  |  |  | 589 |
Direct |  |  | 13 |  |  |  | 495 |  |  |  | - |  |  |  | - |
Total Consumer Loans |  |  | 13 |  |  | $ | 495 |  |  |  | 14 |  |  | $ | 603 |
Residential Real Estate |  |  | 7 |  |  | $ | 599 |  |  |  | 4 |  |  | $ | 251 |
Total Troubled Debt Restructurings |  |  | 21 |  |  | $ | 1,152 |  |  |  | 19 |  |  | $ | 1,183 |
|  | Six months ended June 30, 2018 |  |  | Six months ended June 30, 2017 |
(Dollars in thousands) |  | Number of Contracts |  |  | Recorded Investment |  |  | Number of Contracts |  |  | Recorded Investment |
Commercial Loans: |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  | - |  |  | $ | - |  |  |  | 1 |  |  | $ | 145 |
Business Banking |  |  | 2 |  |  |  | 258 |  |  |  | 1 |  |  |  | 329 |
Total Commercial Loans |  |  | 2 |  |  | $ | 258 |  |  |  | 2 |  |  | $ | 474 |
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  |  | - |  |  | $ | - |  |  |  | 2 |  |  | $ | 19 |
Home Equity |  |  | - |  |  |  | - |  |  |  | 22 |  |  |  | 1,101 |
Direct |  |  | 25 |  |  |  | 1,260 |  |  |  | - |  |  |  | - |
Total Consumer Loans |  |  | 25 |  |  | $ | 1,260 |  |  |  | 24 |  |  | $ | 1,120 |
Residential Real Estate |  |  | 13 |  |  | $ | 907 |  |  |  | 8 |  |  | $ | 419 |
Total Troubled Debt Restructurings |  |  | 40 |  |  | $ | 2,425 |  |  |  | 34 |  |  | $ | 2,013 |

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