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Allowance for Loan Losses and Credit Quality of Loans (Tables) | 3 Months Ended
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Mar. 31, 2019
Allowance for Loan Losses and Credit Quality of Loans [Abstract] |
Portfolio and Class Segments |
Portfolio | Class
Commercial Loans | Commercial and Industrial
| Commercial Real Estate
| Business Banking
Consumer Loans | Dealer Finance
| Specialty Lending
| Direct
Residential Real Estate |
Allowance for Loan Losses by Portfolio | The following table illustrates 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 December 31, 2018 |  | $ | 32,759 |  |  | $ | 37,178 |  |  | $ | 2,568 |  |  | $ | 72,505 |
Charge-offs |  |  | (747 | ) |  |  | (7,433 | ) |  |  | (274 | ) |  |  | (8,454 | )
Recoveries |  |  | 94 |  |  |  | 1,399 |  |  |  | 54 |  |  |  | 1,547 |
Provision |  |  | 53 |  |  |  | 5,660 |  |  |  | 94 |  |  |  | 5,807 |
Ending Balance as of March 31, 2019 |  | $ | 32,159 |  |  | $ | 36,804 |  |  | $ | 2,442 |  |  | $ | 71,405 |
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 |
The following table illustrates the allowance for loan losses and the recorded investment by portfolio segments:
(In thousands) |  | Commercial Loans |  |  | Consumer Loans |  |  | Residential Real Estate |  |  | Total |
As of March 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses |  | $ | 32,159 |  |  | $ | 36,804 |  |  | $ | 2,442 |  |  | $ | 71,405 |
Allowance for loans individually evaluated for impairment |  |  | 25 |  |  |  | - |  |  |  | - |  |  |  | 25 |
Allowance for loans collectively evaluated for impairment |  | $ | 32,134 |  |  | $ | 36,804 |  |  | $ | 2,442 |  |  | $ | 71,380 |
Ending balance of loans |  | $ | 3,250,482 |  |  | $ | 2,249,419 |  |  | $ | 1,390,411 |  |  | $ | 6,890,312 |
Ending balance of originated loans individually evaluated for impairment |  |  | 6,009 |  |  |  | 7,813 |  |  |  | 7,220 |  |  |  | 21,042 |
Ending balance of acquired loans collectively evaluated for impairment |  |  | 140,103 |  |  |  | 29,626 |  |  |  | 142,814 |  |  |  | 312,543 |
Ending balance of originated loans collectively evaluated for impairment |  | $ | 3,104,370 |  |  | $ | 2,211,980 |  |  | $ | 1,240,377 |  |  | $ | 6,556,727 |
As of December 31, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses |  | $ | 32,759 |  |  | $ | 37,178 |  |  | $ | 2,568 |  |  | $ | 72,505 |
Allowance for loans individually evaluated for impairment |  |  | 25 |  |  |  | - |  |  |  | - |  |  |  | 25 |
Allowance for loans collectively evaluated for impairment |  | $ | 32,734 |  |  | $ | 37,178 |  |  | $ | 2,568 |  |  | $ | 72,480 |
Ending balance of loans |  | $ | 3,222,310 |  |  | $ | 2,284,563 |  |  | $ | 1,380,836 |  |  | $ | 6,887,709 |
Ending balance of originated loans individually evaluated for impairment |  |  | 5,786 |  |  |  | 7,887 |  |  |  | 6,905 |  |  |  | 20,578 |
Ending balance of acquired loans collectively evaluated for impairment |  |  | 143,690 |  |  |  | 31,624 |  |  |  | 147,277 |  |  |  | 322,591 |
Ending balance of originated loans collectively evaluated for impairment |  | $ | 3,072,834 |  |  | $ | 2,245,052 |  |  | $ | 1,226,654 |  |  | $ | 6,544,540 |
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, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Originated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
C&I |  | $ | 74 |  |  | $ | - |  |  | $ | - |  |  | $ | 74 |  |  | $ | 899 |  |  | $ | 858,653 |  |  | $ | 859,626 |
CRE |  |  | 5,794 |  |  |  | 420 |  |  |  | - |  |  |  | 6,214 |  |  |  | 4,818 |  |  |  | 1,753,079 |  |  |  | 1,764,111 |
Business Banking |  |  | 1,149 |  |  |  | 235 |  |  |  | - |  |  |  | 1,384 |  |  |  | 5,970 |  |  |  | 479,288 |  |  |  | 486,642 |
Total Commercial Loans |  | $ | 7,017 |  |  | $ | 655 |  |  | $ | - |  |  | $ | 7,672 |  |  | $ | 11,687 |  |  | $ | 3,091,020 |  |  | $ | 3,110,379 |
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Dealer Finance |  | $ | 11,388 |  |  | $ | 1,962 |  |  | $ | 878 |  |  | $ | 14,228 |  |  | $ | 2,924 |  |  | $ | 1,173,956 |  |  | $ | 1,191,108 |
Specialty Lending |  |  | 3,235 |  |  |  | 1,733 |  |  |  | 1,604 |  |  |  | 6,572 |  |  |  | 45 |  |  |  | 522,527 |  |  |  | 529,144 |
Direct |  |  | 2,530 |  |  |  | 808 |  |  |  | 393 |  |  |  | 3,731 |  |  |  | 2,895 |  |  |  | 492,915 |  |  |  | 499,541 |
Total Consumer Loans |  | $ | 17,153 |  |  | $ | 4,503 |  |  | $ | 2,875 |  |  | $ | 24,531 |  |  | $ | 5,864 |  |  | $ | 2,189,398 |  |  | $ | 2,219,793 |
Residential Real Estate |  | $ | 1,573 |  |  | $ | 398 |  |  | $ | 315 |  |  | $ | 2,286 |  |  | $ | 6,141 |  |  | $ | 1,239,170 |  |  | $ | 1,247,597 |
Total Originated Loans |  | $ | 25,743 |  |  | $ | 5,556 |  |  | $ | 3,190 |  |  | $ | 34,489 |  |  | $ | 23,692 |  |  | $ | 6,519,588 |  |  | $ | 6,577,769 |
Acquired |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
C&I |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 27,166 |  |  | $ | 27,166 |
CRE |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 80,623 |  |  |  | 80,623 |
Business Banking |  |  | 121 |  |  |  | 285 |  |  |  | - |  |  |  | 406 |  |  |  | 383 |  |  |  | 31,525 |  |  |  | 32,314 |
Total Commercial Loans |  | $ | 121 |  |  | $ | 285 |  |  | $ | - |  |  | $ | 406 |  |  | $ | 383 |  |  | $ | 139,314 |  |  | $ | 140,103 |
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Dealer Finance |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 3 |  |  | $ | 3 |
Direct |  |  | 76 |  |  |  | 2 |  |  |  | - |  |  |  | 78 |  |  |  | 219 |  |  |  | 29,326 |  |  |  | 29,623 |
Total Consumer Loans |  | $ | 76 |  |  | $ | 2 |  |  | $ | - |  |  | $ | 78 |  |  | $ | 219 |  |  | $ | 29,329 |  |  | $ | 29,626 |
Residential Real Estate |  | $ | 788 |  |  | $ | 119 |  |  | $ | 145 |  |  | $ | 1,052 |  |  | $ | 1,338 |  |  | $ | 140,424 |  |  | $ | 142,814 |
Total Acquired Loans |  | $ | 985 |  |  | $ | 406 |  |  | $ | 145 |  |  | $ | 1,536 |  |  | $ | 1,940 |  |  | $ | 309,067 |  |  | $ | 312,543 |
Total Loans |  | $ | 26,728 |  |  | $ | 5,962 |  |  | $ | 3,335 |  |  | $ | 36,025 |  |  | $ | 25,632 |  |  | $ | 6,828,655 |  |  | $ | 6,890,312 |
(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, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Originated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
C&I |  | $ | 909 |  |  | $ | - |  |  | $ | - |  |  | $ | 909 |  |  | $ | 1,062 |  |  | $ | 846,148 |  |  | $ | 848,119 |
CRE |  |  | 1,089 |  |  |  | - |  |  |  | 588 |  |  |  | 1,677 |  |  |  | 4,995 |  |  |  | 1,734,558 |  |  |  | 1,741,230 |
Business Banking |  |  | 1,092 |  |  |  | 302 |  |  |  | - |  |  |  | 1,394 |  |  |  | 5,974 |  |  |  | 481,903 |  |  |  | 489,271 |
Total Commercial Loans |  | $ | 3,090 |  |  | $ | 302 |  |  | $ | 588 |  |  | $ | 3,980 |  |  | $ | 12,031 |  |  | $ | 3,062,609 |  |  | $ | 3,078,620 |
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Dealer Finance |  | $ | 14,519 |  |  | $ | 2,300 |  |  | $ | 1,186 |  |  | $ | 18,005 |  |  | $ | 1,971 |  |  | $ | 1,196,136 |  |  | $ | 1,216,112 |
Specialty Lending |  |  | 3,479 |  |  |  | 1,773 |  |  |  | 1,562 |  |  |  | 6,814 |  |  |  | - |  |  |  | 518,114 |  |  |  | 524,928 |
Direct |  |  | 2,962 |  |  |  | 1,437 |  |  |  | 552 |  |  |  | 4,951 |  |  |  | 2,592 |  |  |  | 504,356 |  |  |  | 511,899 |
Total Consumer Loans |  | $ | 20,960 |  |  | $ | 5,510 |  |  | $ | 3,300 |  |  | $ | 29,770 |  |  | $ | 4,563 |  |  | $ | 2,218,606 |  |  | $ | 2,252,939 |
Residential Real Estate |  | $ | 1,426 |  |  | $ | 157 |  |  | $ | 1,182 |  |  | $ | 2,765 |  |  | $ | 6,778 |  |  | $ | 1,224,016 |  |  | $ | 1,233,559 |
Total Originated Loans |  | $ | 25,476 |  |  | $ | 5,969 |  |  | $ | 5,070 |  |  | $ | 36,515 |  |  | $ | 23,372 |  |  | $ | 6,505,231 |  |  | $ | 6,565,118 |
Acquired |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
C&I |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 26,124 |  |  | $ | 26,124 |
CRE |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 84,492 |  |  |  | 84,492 |
Business Banking |  |  | 466 |  |  |  | 288 |  |  |  | - |  |  |  | 754 |  |  |  | 390 |  |  |  | 31,930 |  |  |  | 33,074 |
Total Commercial Loans |  | $ | 466 |  |  | $ | 288 |  |  | $ | - |  |  | $ | 754 |  |  | $ | 390 |  |  | $ | 142,546 |  |  | $ | 143,690 |
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Dealer Finance |  | $ | 1 |  |  | $ | 1 |  |  | $ | - |  |  | $ | 2 |  |  | $ | - |  |  | $ | 30 |  |  | $ | 32 |
Direct |  |  | 152 |  |  |  | 41 |  |  |  | 15 |  |  |  | 208 |  |  |  | 227 |  |  |  | 31,157 |  |  |  | 31,592 |
Total Consumer Loans |  | $ | 153 |  |  | $ | 42 |  |  | $ | 15 |  |  | $ | 210 |  |  | $ | 227 |  |  | $ | 31,187 |  |  | $ | 31,624 |
Residential Real Estate |  | $ | 546 |  |  | $ | 42 |  |  | $ | - |  |  | $ | 588 |  |  | $ | 1,498 |  |  | $ | 145,191 |  |  | $ | 147,277 |
Total Acquired Loans |  | $ | 1,165 |  |  | $ | 372 |  |  | $ | 15 |  |  | $ | 1,552 |  |  | $ | 2,115 |  |  | $ | 318,924 |  |  | $ | 322,591 |
Total Loans |  | $ | 26,641 |  |  | $ | 6,341 |  |  | $ | 5,085 |  |  | $ | 38,067 |  |  | $ | 25,487 |  |  | $ | 6,824,155 |  |  | $ | 6,887,709 |
Impaired Loans and Specific Reserve Allocations | The following table provides information on impaired loans specifically evaluated for impairment:
|  | March 31, 2019 |  |  | December 31, 2018 |
(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 |  | $ | 244 |  |  | $ | 516 |  |  |  |  |  |  | $ | 228 |  |  | $ | 497 |  |  |  |  |
CRE |  |  | 4,237 |  |  |  | 6,272 |  |  |  |  |  |  |  | 4,312 |  |  |  | 6,330 |  |  |  |  |
Business Banking |  |  | 1,299 |  |  |  | 2,341 |  |  |  |  |  |  |  | 1,013 |  |  |  | 2,001 |  |  |  |  |
Total Commercial Loans |  | $ | 5,780 |  |  | $ | 9,129 |  |  |  |  |  |  | $ | 5,553 |  |  | $ | 8,828 |  |  |  |  |
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Dealer Finance |  | $ | 187 |  |  | $ | 283 |  |  |  |  |  |  | $ | 143 |  |  | $ | 241 |  |  |  |  |
Direct |  |  | 7,626 |  |  |  | 9,763 |  |  |  |  |  |  |  | 7,744 |  |  |  | 9,831 |  |  |  |  |
Total Consumer Loans |  | $ | 7,813 |  |  | $ | 10,046 |  |  |  |  |  |  | $ | 7,887 |  |  | $ | 10,072 |  |  |  |  |
Residential Real Estate |  | $ | 7,220 |  |  | $ | 9,839 |  |  |  |  |  |  | $ | 6,905 |  |  | $ | 9,414 |  |  |  |  |
Total |  | $ | 20,813 |  |  | $ | 29,014 |  |  |  |  |  |  | $ | 20,345 |  |  | $ | 28,314 |  |  |  |  |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
C&I |  | $ | 229 |  |  | $ | 236 |  |  | $ | 25 |  |  | $ | 233 |  |  | $ | 238 |  |  | $ | 25 |
Total Commercial Loans |  | $ | 229 |  |  | $ | 236 |  |  | $ | 25 |  |  | $ | 233 |  |  | $ | 238 |  |  | $ | 25 |
Total Loans |  | $ | 21,042 |  |  | $ | 29,250 |  |  | $ | 25 |  |  | $ | 20,578 |  |  | $ | 28,552 |  |  | $ | 25 |
The following table summarizes the average recorded investments on loans specifically evaluated for impairment and the interest income recognized:
|  | For the three months ended |
|  | March 31, 2019 |  |  | March 31, 2018 |
(In thousands) |  | Average Recorded Investment |  |  | Interest Income Recognized |  |  | Average Recorded Investment |  |  | Interest Income Recognized |
Originated |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans: |  |  |  |  |  |  |  |  |  |  |  |
C&I |  | $ | 462 |  |  | $ | 1 |  |  | $ | 467 |  |  | $ | - |
CRE |  |  | 4,282 |  |  |  | 30 |  |  |  | 4,506 |  |  |  | 32 |
Business Banking |  |  | 1,263 |  |  |  | 6 |  |  |  | 954 |  |  |  | 5 |
Total Commercial Loans |  | $ | 6,007 |  |  | $ | 37 |  |  | $ | 5,927 |  |  | $ | 37 |
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Dealer Finance |  | $ | 173 |  |  | $ | 2 |  |  | $ | 184 |  |  | $ | 3 |
Direct |  |  | 7,716 |  |  |  | 98 |  |  |  | 8,190 |  |  |  | 109 |
Total Consumer Loans |  | $ | 7,889 |  |  | $ | 100 |  |  | $ | 8,374 |  |  | $ | 112 |
Residential Real Estate |  | $ | 7,166 |  |  | $ | 77 |  |  | $ | 6,881 |  |  | $ | 73 |
Total Originated |  | $ | 21,062 |  |  | $ | 214 |  |  | $ | 21,182 |  |  | $ | 222 |
Total Loans |  | $ | 21,062 |  |  | $ | 214 |  |  | $ | 21,182 |  |  | $ | 222 |
Financing Receivable Credit Quality by Loan Class | The following tables illustrate the Company’s credit quality by loan class:
(In thousands) |  | March 31, 2019 |
Originated |  |  |  |  |  |  |  |  |  |  |  |
Commercial Credit Exposure |  |  |  |  |  |  |  |  |  |  |  |
By Internally Assigned Grade: |  |  |  |  | C&I |  |  | CRE |  |  | Total |
Pass |  |  |  |  | $ | 806,097 |  |  | $ | 1,704,986 |  |  | $ | 2,511,083 |
Special Mention |  |  |  |  |  | 13,217 |  |  |  | 14,172 |  |  |  | 27,389 |
Substandard |  |  |  |  |  | 40,312 |  |  |  | 44,953 |  |  |  | 85,265 |
Total |  |  |  |  | $ | 859,626 |  |  | $ | 1,764,111 |  |  | $ | 2,623,737 |
Business Banking Credit Exposure |  |  |  |  |  |  |  |  | Business Banking |  |  |  |  |
By Internally Assigned Grade: |  |  |  |  |  |  |  |  | Total |
Non-classified |  |  |  |  |  |  |  |  | $ | 473,402 |  |  | $ | 473,402 |
Classified |  |  |  |  |  |  |  |  |  | 13,240 |  |  |  | 13,240 |
Total |  |  |  |  |  |  |  |  | $ | 486,642 |  |  | $ | 486,642 |
Consumer Credit Exposure |  | Dealer Finance |  |  | Specialty Lending |  |  |  |  |  |  |  |  |
By Payment Activity: |  | Direct |  |  | Total |
Performing |  | $ | 1,187,306 |  |  | $ | 527,495 |  |  | $ | 496,253 |  |  | $ | 2,211,054 |
Nonperforming |  |  | 3,802 |  |  |  | 1,649 |  |  |  | 3,288 |  |  |  | 8,739 |
Total |  | $ | 1,191,108 |  |  | $ | 529,144 |  |  | $ | 499,541 |  |  | $ | 2,219,793 |
Residential Real Estate Credit Exposure |  |  |  |  |  |  |  |  |  | Residential Real Estate |  |  |  |  |
By Payment Activity: |  |  |  |  |  |  |  |  |  | Total |
Performing |  |  |  |  |  |  |  |  |  | $ | 1,241,141 |  |  | $ | 1,241,141 |
Nonperforming |  |  |  |  |  |  |  |  |  |  | 6,456 |  |  |  | 6,456 |
Total |  |  |  |  |  |  |  |  |  | $ | 1,247,597 |  |  | $ | 1,247,597 |
Acquired |  |  |  |  |  |  |  |  |
Commercial Credit Exposure |  |  |  |  |  |  |  |  |
By Internally Assigned Grade: |  | C&I |  |  | CRE |  |  | Total |
Pass |  | $ | 24,488 |  |  | $ | 76,934 |  |  | $ | 101,422 |
Special Mention |  |  | 2,670 |  |  |  | 3,074 |  |  |  | 5,744 |
Substandard |  |  | 8 |  |  |  | 615 |  |  |  | 623 |
Total |  | $ | 27,166 |  |  | $ | 80,623 |  |  | $ | 107,789 |
Business Banking Credit Exposure |  |  |  |  |  | Business Banking |  |  |  |  |
By Internally Assigned Grade: |  |  |  |  |  | Total |
Non-classified |  |  |  |  |  | $ | 29,295 |  |  | $ | 29,295 |
Classified |  |  |  |  |  |  | 3,019 |  |  |  | 3,019 |
Total |  |  |  |  |  | $ | 32,314 |  |  | $ | 32,314 |
Consumer Credit Exposure |  | Dealer Finance |  |  |  |  |  |  |  |  |
By Payment Activity: |  | Direct |  |  | Total |
Performing |  | $ | 3 |  |  | $ | 29,404 |  |  | $ | 29,407 |
Nonperforming |  |  | - |  |  |  | 219 |  |  |  | 219 |
Total |  | $ | 3 |  |  | $ | 29,623 |  |  | $ | 29,626 |
Residential Real Estate Credit Exposure |  |  |  |  |  | Residential Real Estate |  |  |  |  |
By Payment Activity: |  |  |  |  |  | Total |
Performing |  |  |  |  |  | $ | 141,331 |  |  | $ | 141,331 |
Nonperforming |  |  |  |  |  |  | 1,483 |  |  |  | 1,483 |
Total |  |  |  |  |  | $ | 142,814 |  |  | $ | 142,814 |
(In thousands) |  | December 31, 2018 |
Originated |  |  |  |  |  |  |  |  |  |  |  |
Commercial Credit Exposure |  |  |  |  |  |  |  |  |  |  |  |
By Internally Assigned Grade: |  |  |  |  | C&I |  |  | CRE |  |  | Total |
Pass |  |  |  |  | $ | 796,778 |  |  | $ | 1,681,330 |  |  | $ | 2,478,108 |
Special Mention |  |  |  |  |  | 11,348 |  |  |  | 13,894 |  |  |  | 25,242 |
Substandard |  |  |  |  |  | 39,993 |  |  |  | 46,006 |  |  |  | 85,999 |
Total |  |  |  |  | $ | 848,119 |  |  | $ | 1,741,230 |  |  | $ | 2,589,349 |
Business Banking Credit Exposure |  |  |  |  |  |  |  |  | Business Banking |  |  |  |  |
By Internally Assigned Grade: |  |  |  |  |  |  |  |  | Total |
Non-classified |  |  |  |  |  |  |  |  | $ | 476,052 |  |  | $ | 476,052 |
Classified |  |  |  |  |  |  |  |  |  | 13,219 |  |  |  | 13,219 |
Total |  |  |  |  |  |  |  |  | $ | 489,271 |  |  | $ | 489,271 |
Consumer Credit Exposure |  | Dealer Finance |  |  | Specialty Lending |  |  |  |  |  |  |  |  |
By Payment Activity: |  | Direct |  |  | Total |
Performing |  | $ | 1,212,955 |  |  | $ | 523,366 |  |  | $ | 508,755 |  |  | $ | 2,245,076 |
Nonperforming |  |  | 3,157 |  |  |  | 1,562 |  |  |  | 3,144 |  |  |  | 7,863 |
Total |  | $ | 1,216,112 |  |  | $ | 524,928 |  |  | $ | 511,899 |  |  | $ | 2,252,939 |
Residential Real Estate Credit Exposure |  |  |  |  |  |  |  |  |  | Residential Real Estate |  |  |  |  |
By Payment Activity: |  |  |  |  |  |  |  |  |  | Total |
Performing |  |  |  |  |  |  |  |  |  | $ | 1,225,599 |  |  | $ | 1,225,599 |
Nonperforming |  |  |  |  |  |  |  |  |  |  | 7,960 |  |  |  | 7,960 |
Total |  |  |  |  |  |  |  |  |  | $ | 1,233,559 |  |  | $ | 1,233,559 |
Acquired |  |  |  |  |  |  |  |  |
Commercial Credit Exposure |  |  |  |  |  |  |  |  |
By Internally Assigned Grade: |  | C&I |  |  | CRE |  |  | Total |
Pass |  | $ | 23,283 |  |  | $ | 83,762 |  |  | $ | 107,045 |
Special Mention |  |  | 2,831 |  |  |  | 92 |  |  |  | 2,923 |
Substandard |  |  | 10 |  |  |  | 638 |  |  |  | 648 |
Total |  | $ | 26,124 |  |  | $ | 84,492 |  |  | $ | 110,616 |
Business Banking Credit Exposure |  |  |  |  |  | Business Banking |  |  |  |  |
By Internally Assigned Grade: |  |  |  |  |  | Total |
Non-classified |  |  |  |  |  | $ | 29,945 |  |  | $ | 29,945 |
Classified |  |  |  |  |  |  | 3,129 |  |  |  | 3,129 |
Total |  |  |  |  |  | $ | 33,074 |  |  | $ | 33,074 |
Consumer Credit Exposure |  | Dealer Finance |  |  |  |  |  |  |  |  |
By Payment Activity: |  | Direct |  |  | Total |
Performing |  | $ | 32 |  |  | $ | 31,350 |  |  | $ | 31,382 |
Nonperforming |  |  | - |  |  |  | 242 |  |  |  | 242 |
Total |  | $ | 32 |  |  | $ | 31,592 |  |  | $ | 31,624 |
Residential Real Estate Credit Exposure |  |  |  |  |  | Residential Real Estate |  |  |  |  |
By Payment Activity: |  |  |  |  |  | Total |
Performing |  |  |  |  |  | $ | 145,779 |  |  | $ | 145,779 |
Nonperforming |  |  |  |  |  |  | 1,498 |  |  |  | 1,498 |
Total |  |  |  |  |  | $ | 147,277 |  |  | $ | 147,277 |
Troubled Debt Restructurings on Financing Receivables | The following table illustrates 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 March 31, 2019 |  |  | Three months ended March 31, 2018 |
(Dollars in thousands) |  | Number of Contracts |  |  | Pre-Modification Outstanding Recorded Investment |  |  | Post-Modification Outstanding Recorded Investment |  |  | Number of Contracts |  |  | Pre-Modification Outstanding Recorded Investment |  |  | Post-Modification Outstanding Recorded Investment |
Commercial Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
C&I |  |  | 1 |  |  | $ | 65 |  |  | $ | 65 |  |  |  | - |  |  | $ | - |  |  | $ | - |
Business Banking |  |  | 2 |  |  |  | 388 |  |  |  | 388 |  |  |  | 3 |  |  |  | 319 |  |  |  | 410 |
Total Commercial Loans |  |  | 3 |  |  | $ | 453 |  |  | $ | 453 |  |  |  | 3 |  |  | $ | 319 |  |  | $ | 410 |
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Dealer Finance |  |  | 5 |  |  | $ | 74 |  |  | $ | 74 |  |  |  | 6 |  |  | $ | 82 |  |  | $ | 81 |
Direct |  |  | 6 |  |  |  | 320 |  |  |  | 320 |  |  |  | 2 |  |  |  | 41 |  |  |  | 41 |
Total Consumer Loans |  |  | 11 |  |  | $ | 394 |  |  | $ | 394 |  |  |  | 8 |  |  | $ | 123 |  |  | $ | 122 |
Residential Real Estate |  |  | 6 |  |  | $ | 388 |  |  | $ | 405 |  |  |  | 5 |  |  | $ | 323 |  |  | $ | 323 |
Total Troubled Debt Restructurings |  |  | 20 |  |  | $ | 1,235 |  |  | $ | 1,252 |  |  |  | 16 |  |  | $ | 765 |  |  | $ | 855 |
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, 2019 |  |  | Three months ended March 31, 2018 |
(Dollars in thousands) |  | Number of Contracts |  |  | Recorded Investment |  |  | Number of Contracts |  |  | Recorded Investment |
Commercial Loans: |  |  |  |  |  |  |  |  |  |  |  |
Business Banking |  |  | - |  |  | $ | - |  |  |  | 1 |  |  | $ | 200 |
Total Commercial Loans |  |  | - |  |  | $ | - |  |  |  | 1 |  |  | $ | 200 |
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Dealer Finance |  |  | 2 |  |  | $ | 17 |  |  |  | - |  |  | $ | - |
Direct |  |  | 10 |  |  |  | 600 |  |  |  | 14 |  |  |  | 870 |
Total Consumer Loans |  |  | 12 |  |  | $ | 617 |  |  |  | 14 |  |  | $ | 870 |
Residential Real Estate |  |  | 8 |  |  | $ | 398 |  |  |  | 8 |  |  | $ | 504 |
Total Troubled Debt Restructurings |  |  | 20 |  |  | $ | 1,015 |  |  |  | 23 |  |  | $ | 1,574 |

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