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Allowance for Loan Losses and Credit Quality of Loans (Tables) | 6 Months Ended
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Jun. 30, 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 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, 2019 |  | $ | 32,159 |  |  | $ | 36,804 |  |  | $ | 2,442 |  |  | $ | 71,405 |
Charge-offs |  |  | (1,171 | ) |  |  | (6,927 | ) |  |  | (334 | ) |  |  | (8,432 | )
Recoveries |  |  | 118 |  |  |  | 1,742 |  |  |  | 55 |  |  |  | 1,915 |
Provision |  |  | 2,046 |  |  |  | 4,915 |  |  |  | 316 |  |  |  | 7,277 |
Ending Balance as of June 30, 2019 |  | $ | 33,152 |  |  | $ | 36,534 |  |  | $ | 2,479 |  |  | $ | 72,165 |
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 |
(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 |  |  | (1,918 | ) |  |  | (14,360 | ) |  |  | (608 | ) |  |  | (16,886 | )
Recoveries |  |  | 212 |  |  |  | 3,141 |  |  |  | 109 |  |  |  | 3,462 |
Provision |  |  | 2,099 |  |  |  | 10,575 |  |  |  | 410 |  |  |  | 13,084 |
Ending Balance as of June 30, 2019 |  | $ | 33,152 |  |  | $ | 36,534 |  |  | $ | 2,479 |  |  | $ | 72,165 |
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 |
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, 2019 |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses |  | $ | 33,152 |  |  | $ | 36,534 |  |  | $ | 2,479 |  |  | $ | 72,165 |
Allowance for loans individually evaluated for impairment |  |  | 11 |  |  |  | - |  |  |  | - |  |  |  | 11 |
Allowance for loans collectively evaluated for impairment |  | $ | 33,141 |  |  | $ | 36,534 |  |  | $ | 2,479 |  |  | $ | 72,154 |
Ending balance of loans |  | $ | 3,325,064 |  |  | $ | 2,234,130 |  |  | $ | 1,404,079 |  |  | $ | 6,963,273 |
Ending balance of originated loans individually evaluated for impairment |  |  | 5,422 |  |  |  | 7,674 |  |  |  | 7,495 |  |  |  | 20,591 |
Ending balance of acquired loans collectively evaluated for impairment |  |  | 139,710 |  |  |  | 27,582 |  |  |  | 137,622 |  |  |  | 304,914 |
Ending balance of originated loans collectively evaluated for impairment |  | $ | 3,179,932 |  |  | $ | 2,198,874 |  |  | $ | 1,258,962 |  |  | $ | 6,637,768 |
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 June 30, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Originated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
C&I |  | $ | 43 |  |  | $ | 1,100 |  |  | $ | - |  |  | $ | 1,143 |  |  | $ | 952 |  |  | $ | 867,661 |  |  | $ | 869,756 |
CRE |  |  | 4,791 |  |  |  | 370 |  |  |  | - |  |  |  | 5,161 |  |  |  | 4,596 |  |  |  | 1,822,746 |  |  |  | 1,832,503 |
Business Banking |  |  | 1,537 |  |  |  | 295 |  |  |  | - |  |  |  | 1,832 |  |  |  | 6,314 |  |  |  | 474,949 |  |  |  | 483,095 |
Total Commercial Loans |  | $ | 6,371 |  |  | $ | 1,765 |  |  | $ | - |  |  | $ | 8,136 |  |  | $ | 11,862 |  |  | $ | 3,165,356 |  |  | $ | 3,185,354 |
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Dealer Finance |  | $ | 11,710 |  |  | $ | 1,842 |  |  | $ | 741 |  |  | $ | 14,293 |  |  | $ | 1,737 |  |  | $ | 1,173,640 |  |  | $ | 1,189,670 |
Specialty Lending |  |  | 3,452 |  |  |  | 1,880 |  |  |  | 1,481 |  |  |  | 6,813 |  |  |  | - |  |  |  | 513,161 |  |  |  | 519,974 |
Direct |  |  | 2,554 |  |  |  | 631 |  |  |  | 145 |  |  |  | 3,330 |  |  |  | 2,650 |  |  |  | 490,924 |  |  |  | 496,904 |
Total Consumer Loans |  | $ | 17,716 |  |  | $ | 4,353 |  |  | $ | 2,367 |  |  | $ | 24,436 |  |  | $ | 4,387 |  |  | $ | 2,177,725 |  |  | $ | 2,206,548 |
Residential Real Estate |  | $ | 1,225 |  |  | $ | 830 |  |  | $ | - |  |  | $ | 2,055 |  |  | $ | 6,470 |  |  | $ | 1,257,932 |  |  | $ | 1,266,457 |
Total Originated Loans |  | $ | 25,312 |  |  | $ | 6,948 |  |  | $ | 2,367 |  |  | $ | 34,627 |  |  | $ | 22,719 |  |  | $ | 6,601,013 |  |  | $ | 6,658,359 |
Acquired |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
C&I |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 38 |  |  | $ | 33,001 |  |  | $ | 33,039 |
CRE |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 76,362 |  |  |  | 76,362 |
Business Banking |  |  | 441 |  |  |  | 3 |  |  |  | - |  |  |  | 444 |  |  |  | 466 |  |  |  | 29,399 |  |  |  | 30,309 |
Total Commercial Loans |  | $ | 441 |  |  | $ | 3 |  |  | $ | - |  |  | $ | 444 |  |  | $ | 504 |  |  | $ | 138,762 |  |  | $ | 139,710 |
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Direct |  | $ | 217 |  |  | $ | 22 |  |  | $ | 20 |  |  | $ | 259 |  |  | $ | 96 |  |  | $ | 27,227 |  |  | $ | 27,582 |
Total Consumer Loans |  | $ | 217 |  |  | $ | 22 |  |  | $ | 20 |  |  | $ | 259 |  |  | $ | 96 |  |  | $ | 27,227 |  |  | $ | 27,582 |
Residential Real Estate |  | $ | 648 |  |  | $ | 488 |  |  | $ | - |  |  | $ | 1,136 |  |  | $ | 1,350 |  |  | $ | 135,136 |  |  | $ | 137,622 |
Total Acquired Loans |  | $ | 1,306 |  |  | $ | 513 |  |  | $ | 20 |  |  | $ | 1,839 |  |  | $ | 1,950 |  |  | $ | 301,125 |  |  | $ | 304,914 |
Total Loans |  | $ | 26,618 |  |  | $ | 7,461 |  |  | $ | 2,387 |  |  | $ | 36,466 |  |  | $ | 24,669 |  |  | $ | 6,902,138 |  |  | $ | 6,963,273 |
(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 loans specifically evaluated for impairment:
|  | June 30, 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 |  | $ | 119 |  |  | $ | 363 |  |  | $ |  |  |  | $ | 228 |  |  | $ | 497 |  |  | $ |  |
CRE |  |  | 4,181 |  |  |  | 6,195 |  |  |  |  |  |  |  | 4,312 |  |  |  | 6,330 |  |  |  |  |
Business Banking |  |  | 1,011 |  |  |  | 1,961 |  |  |  |  |  |  |  | 1,013 |  |  |  | 2,001 |  |  |  |  |
Total Commercial Loans |  | $ | 5,311 |  |  | $ | 8,519 |  |  |  |  |  |  | $ | 5,553 |  |  | $ | 8,828 |  |  |  |  |
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Dealer Finance |  | $ | 232 |  |  | $ | 327 |  |  |  |  |  |  | $ | 143 |  |  | $ | 241 |  |  |  |  |
Direct |  |  | 7,442 |  |  |  | 9,547 |  |  |  |  |  |  |  | 7,744 |  |  |  | 9,831 |  |  |  |  |
Total Consumer Loans |  | $ | 7,674 |  |  | $ | 9,874 |  |  |  |  |  |  | $ | 7,887 |  |  | $ | 10,072 |  |  |  |  |
Residential Real Estate |  | $ | 7,495 |  |  | $ | 10,190 |  |  |  |  |  |  | $ | 6,905 |  |  | $ | 9,414 |  |  |  |  |
Total |  | $ | 20,480 |  |  | $ | 28,583 |  |  |  |  |  |  | $ | 20,345 |  |  | $ | 28,314 |  |  |  |  |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
C&I |  | $ | 111 |  |  | $ | 118 |  |  | $ | 11 |  |  | $ | 233 |  |  | $ | 238 |  |  | $ | 25 |
Total Commercial Loans |  | $ | 111 |  |  | $ | 118 |  |  | $ | 11 |  |  | $ | 233 |  |  | $ | 238 |  |  | $ | 25 |
Total Loans |  | $ | 20,591 |  |  | $ | 28,701 |  |  | $ | 11 |  |  | $ | 20,578 |  |  | $ | 28,552 |  |  | $ | 25 |
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, 2019 |  |  | June 30, 2018 |
(In thousands) |  | Average Recorded Investment |  |  | Interest Income Recognized |  |  | Average Recorded Investment |  |  | Interest Income Recognized |
Originated |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans: |  |  |  |  |  |  |  |  |  |  |  |
C&I |  | $ | 326 |  |  | $ | - |  |  | $ | 447 |  |  | $ | 1 |
CRE |  |  | 4,212 |  |  |  | 31 |  |  |  | 3,882 |  |  |  | 32 |
Business Banking |  |  | 1,090 |  |  |  | 5 |  |  |  | 1,044 |  |  |  | 3 |
Total Commercial Loans |  | $ | 5,628 |  |  | $ | 36 |  |  | $ | 5,373 |  |  | $ | 36 |
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Dealer Finance |  | $ | 221 |  |  | $ | 4 |  |  | $ | 194 |  |  | $ | 1 |
Direct |  |  | 7,553 |  |  |  | 98 |  |  |  | 7,952 |  |  |  | 106 |
Total Consumer Loans |  | $ | 7,774 |  |  | $ | 102 |  |  | $ | 8,146 |  |  | $ | 107 |
Residential Real Estate |  | $ | 7,455 |  |  | $ | 82 |  |  | $ | 6,738 |  |  | $ | 71 |
Total Originated |  | $ | 20,857 |  |  | $ | 220 |  |  | $ | 20,257 |  |  | $ | 214 |
Total Loans |  | $ | 20,857 |  |  | $ | 220 |  |  | $ | 20,257 |  |  | $ | 214 |
|  | For the Six Months Ended |
|  | June 30, 2019 |  |  | June 30, 2018 |
(In thousands) |  | Average Recorded Investment |  |  | Interest Income Recognized |  |  | Average Recorded Investment |  |  | Interest Income Recognized |
Originated |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans: |  |  |  |  |  |  |  |  |  |  |  |
C&I |  | $ | 383 |  |  | $ | 1 |  |  | $ | 457 |  |  | $ | 1 |
CRE |  |  | 4,248 |  |  |  | 61 |  |  |  | 4,154 |  |  |  | 64 |
Business Banking |  |  | 1,159 |  |  |  | 11 |  |  |  | 988 |  |  |  | 8 |
Total Commercial Loans |  | $ | 5,790 |  |  | $ | 73 |  |  | $ | 5,599 |  |  | $ | 73 |
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Dealer Finance |  | $ | 198 |  |  | $ | 6 |  |  | $ | 188 |  |  | $ | 4 |
Direct |  |  | 7,636 |  |  |  | 196 |  |  |  | 8,066 |  |  |  | 215 |
Total Consumer Loans |  | $ | 7,834 |  |  | $ | 202 |  |  | $ | 8,254 |  |  | $ | 219 |
Residential Real Estate |  | $ | 7,323 |  |  | $ | 159 |  |  | $ | 6,815 |  |  | $ | 144 |
Total Originated |  | $ | 20,947 |  |  | $ | 434 |  |  | $ | 20,668 |  |  | $ | 436 |
Total Loans |  | $ | 20,947 |  |  | $ | 434 |  |  | $ | 20,668 |  |  | $ | 436 |
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, 2019 |
Originated |  |  |  |  |  |  |  |  |
Commercial Credit Exposure By Internally Assigned Grade: |  | C&I |  |  | CRE |  |  | Total |
Pass |  | $ | 799,988 |  |  | $ | 1,750,029 |  |  | $ | 2,550,017 |
Special Mention |  |  | 30,012 |  |  |  | 33,912 |  |  |  | 63,924 |
Substandard |  |  | 39,756 |  |  |  | 48,562 |  |  |  | 88,318 |
Total |  | $ | 869,756 |  |  | $ | 1,832,503 |  |  | $ | 2,702,259 |
Acquired |  |  |  |  |  |  |  |  |
Commercial Credit Exposure |  |  |  |  |  |  |  |  |
By Internally Assigned Grade: |  | C&I |  |  | CRE |  |  | Total |
Pass |  | $ | 28,479 |  |  | $ | 75,768 |  |  | $ | 104,247 |
Special Mention |  |  | 1,686 |  |  |  | - |  |  |  | 1,686 |
Substandard |  |  | 2,874 |  |  |  | 594 |  |  |  | 3,468 |
Total |  | $ | 33,039 |  |  | $ | 76,362 |  |  | $ | 109,401 |
Consumer Credit Exposure |  |  |  |  |  |
By Payment Activity: |  | Direct |  |  | Total |
Performing |  | $ | 27,466 |  |  | $ | 27,466 |
Nonperforming |  |  | 116 |  |  |  | 116 |
Total |  | $ | 27,582 |  |  | $ | 27,582 |
(In thousands) |  | As of 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 |
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 |
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, 2019 |  |  | Three Months Ended June 30, 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: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Business Banking |  |  | - |  |  | $ | - |  |  | $ | - |  |  |  | 1 |  |  | $ | 6 |  |  | $ | 5 |
Total Commercial Loans |  |  | - |  |  | $ | - |  |  | $ | - |  |  |  | 1 |  |  | $ | 6 |  |  | $ | 5 |
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Dealer Finance |  |  | 4 |  |  | $ | 60 |  |  | $ | 60 |  |  |  | 1 |  |  | $ | 13 |  |  | $ | 13 |
Direct |  |  | 2 |  |  |  | 68 |  |  |  | 77 |  |  |  | - |  |  |  | - |  |  |  | - |
Total Consumer Loans |  |  | 6 |  |  | $ | 128 |  |  | $ | 137 |  |  |  | 1 |  |  | $ | 13 |  |  | $ | 13 |
Residential Real Estate |  |  | 2 |  |  | $ | 369 |  |  | $ | 381 |  |  |  | - |  |  | $ | - |  |  | $ | - |
Total Troubled Debt Restructurings |  |  | 8 |  |  | $ | 497 |  |  | $ | 518 |  |  |  | 2 |  |  | $ | 19 |  |  | $ | 18 |
|  | Six Months Ended June 30, 2019 |  |  | Six Months Ended June 30, 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 |  |  |  | 369 |  |  |  | 371 |
Total Commercial Loans |  |  | 3 |  |  | $ | 453 |  |  | $ | 453 |  |  |  | 3 |  |  | $ | 369 |  |  | $ | 371 |
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Dealer Finance |  |  | 9 |  |  | $ | 134 |  |  | $ | 134 |  |  |  | 7 |  |  | $ | 95 |  |  | $ | 94 |
Direct |  |  | 8 |  |  |  | 388 |  |  |  | 398 |  |  |  | 2 |  |  |  | 41 |  |  |  | 41 |
Total Consumer Loans |  |  | 17 |  |  | $ | 522 |  |  | $ | 532 |  |  |  | 9 |  |  | $ | 136 |  |  | $ | 135 |
Residential Real Estate |  |  | 8 |  |  | $ | 757 |  |  | $ | 786 |  |  |  | 5 |  |  | $ | 323 |  |  | $ | 323 |
Total Troubled Debt Restructurings |  |  | 28 |  |  | $ | 1,732 |  |  | $ | 1,771 |  |  |  | 17 |  |  | $ | 828 |  |  | $ | 829 |
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, 2019 |  |  | Three Months Ended June 30, 2018 |
(Dollars in thousands) |  | Number of Contracts |  |  | Recorded Investment |  |  | Number of Contracts |  |  | Recorded Investment |
Commercial Loans: |  |  |  |  |  |  |  |  |  |  |  |
Business Banking |  |  | - |  |  | $ | - |  |  |  | 1 |  |  | $ | 58 |
Total Commercial Loans |  |  | - |  |  | $ | - |  |  |  | 1 |  |  | $ | 58 |
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Direct |  |  | 14 |  |  | $ | 496 |  |  |  | 13 |  |  | $ | 495 |
Total Consumer Loans |  |  | 14 |  |  | $ | 496 |  |  |  | 13 |  |  | $ | 495 |
Residential Real Estate |  |  | 8 |  |  | $ | 429 |  |  |  | 7 |  |  | $ | 599 |
Total Troubled Debt Restructurings |  |  | 22 |  |  | $ | 925 |  |  |  | 21 |  |  | $ | 1,152 |
|  | Six Months Ended June 30, 2019 |  |  | Six Months Ended June 30, 2018 |
(Dollars in thousands) |  | Number of Contracts |  |  | Recorded Investment |  |  | Number of Contracts |  |  | Recorded Investment |
Commercial Loans: |  |  |  |  |  |  |  |  |  |  |  |
Business Banking |  |  | - |  |  | $ | - |  |  |  | 2 |  |  | $ | 258 |
Total Commercial Loans |  |  | - |  |  | $ | - |  |  |  | 2 |  |  | $ | 258 |
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Dealer Finance |  |  | 2 |  |  | $ | 17 |  |  |  | - |  |  | $ | - |
Direct |  |  | 19 |  |  |  | 958 |  |  |  | 25 |  |  |  | 1,260 |
Total Consumer Loans |  |  | 21 |  |  | $ | 975 |  |  |  | 25 |  |  | $ | 1,260 |
Residential Real Estate |  |  | 13 |  |  | $ | 644 |  |  |  | 13 |  |  | $ | 907 |
Total Troubled Debt Restructurings |  |  | 34 |  |  | $ | 1,619 |  |  |  | 40 |  |  | $ | 2,425 |

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