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Allowance for Loan Losses and Credit Quality of Loans (Tables) | 9 Months Ended
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Sep. 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 June 30, 2019 |  | $ | 33,152 |  |  | $ | 36,534 |  |  | $ | 2,479 |  |  | $ | 72,165 |
Charge-offs |  |  | (865 | ) |  |  | (6,976 | ) |  |  | (174 | ) |  |  | (8,015 | )
Recoveries |  |  | 132 |  |  |  | 1,746 |  |  |  | 13 |  |  |  | 1,891 |
Provision |  |  | 1,021 |  |  |  | 5,031 |  |  |  | 272 |  |  |  | 6,324 |
Ending Balance as of September 30, 2019 |  | $ | 33,440 |  |  | $ | 36,335 |  |  | $ | 2,590 |  |  | $ | 72,365 |
Balance as of June 30, 2018 |  | $ | 31,059 |  |  | $ | 36,479 |  |  | $ | 4,912 |  |  | $ | 72,450 |
Charge-offs |  |  | (823 | ) |  |  | (6,818 | ) |  |  | (123 | ) |  |  | (7,764 | )
Recoveries |  |  | 410 |  |  |  | 1,602 |  |  |  | 81 |  |  |  | 2,093 |
Provision |  |  | 1,086 |  |  |  | 6,044 |  |  |  | (1,104 | ) |  |  | 6,026 |
Ending Balance as of September 30, 2018 |  | $ | 31,732 |  |  | $ | 37,307 |  |  | $ | 3,766 |  |  | $ | 72,805 |
(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 |  |  | (2,783 | ) |  |  | (21,336 | ) |  |  | (782 | ) |  |  | (24,901 | )
Recoveries |  |  | 344 |  |  |  | 4,887 |  |  |  | 122 |  |  |  | 5,353 |
Provision |  |  | 3,120 |  |  |  | 15,606 |  |  |  | 682 |  |  |  | 19,408 |
Ending Balance as of September 30, 2019 |  | $ | 33,440 |  |  | $ | 36,335 |  |  | $ | 2,590 |  |  | $ | 72,365 |
Balance as of December 31, 2017 |  | $ | 27,606 |  |  | $ | 36,830 |  |  | $ | 5,064 |  |  | $ | 69,500 |
Charge-offs |  |  | (2,535 | ) |  |  | (21,947 | ) |  |  | (513 | ) |  |  | (24,995 | )
Recoveries |  |  | 780 |  |  |  | 4,946 |  |  |  | 274 |  |  |  | 6,000 |
Provision |  |  | 5,881 |  |  |  | 17,478 |  |  |  | (1,059 | ) |  |  | 22,300 |
Ending Balance as of September 30, 2018 |  | $ | 31,732 |  |  | $ | 37,307 |  |  | $ | 3,766 |  |  | $ | 72,805 |
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 September 30, 2019 |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses |  | $ | 33,440 |  |  | $ | 36,335 |  |  | $ | 2,590 |  |  | $ | 72,365 |
Allowance for loans individually evaluated for impairment |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Allowance for loans collectively evaluated for impairment |  | $ | 33,440 |  |  | $ | 36,335 |  |  | $ | 2,590 |  |  | $ | 72,365 |
Ending balance of loans |  | $ | 3,351,201 |  |  | $ | 2,245,688 |  |  | $ | 1,416,920 |  |  | $ | 7,013,809 |
Ending balance of originated loans individually evaluated for impairment |  |  | 3,117 |  |  |  | 7,267 |  |  |  | 7,673 |  |  |  | 18,057 |
Ending balance of acquired loans collectively evaluated for impairment |  |  | 132,811 |  |  |  | 25,421 |  |  |  | 131,457 |  |  |  | 289,689 |
Ending balance of originated loans collectively evaluated for impairment |  | $ | 3,215,273 |  |  | $ | 2,213,000 |  |  | $ | 1,277,790 |  |  | $ | 6,706,063 |
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 September 30, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Originated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
C&I |  | $ | 505 |  |  | $ | - |  |  | $ | - |  |  | $ | 505 |  |  | $ | 729 |  |  | $ | 836,593 |  |  | $ | 837,827 |
CRE |  |  | 3,646 |  |  |  | - |  |  |  | 4,839 |  |  |  | 8,485 |  |  |  | 4,664 |  |  |  | 1,832,708 |  |  |  | 1,845,857 |
Business Banking |  |  | 2,118 |  |  |  | 313 |  |  |  | 67 |  |  |  | 2,498 |  |  |  | 6,524 |  |  |  | 525,684 |  |  |  | 534,706 |
Total Commercial Loans |  | $ | 6,269 |  |  | $ | 313 |  |  | $ | 4,906 |  |  | $ | 11,488 |  |  | $ | 11,917 |  |  | $ | 3,194,985 |  |  | $ | 3,218,390 |
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Dealer Finance |  | $ | 11,167 |  |  | $ | 1,965 |  |  | $ | 1,094 |  |  | $ | 14,226 |  |  | $ | 2,241 |  |  | $ | 1,179,316 |  |  | $ | 1,195,783 |
Specialty Lending |  |  | 3,681 |  |  |  | 1,655 |  |  |  | 1,568 |  |  |  | 6,904 |  |  |  | - |  |  |  | 521,601 |  |  |  | 528,505 |
Direct |  |  | 1,778 |  |  |  | 1,090 |  |  |  | 208 |  |  |  | 3,076 |  |  |  | 2,553 |  |  |  | 490,350 |  |  |  | 495,979 |
Total Consumer Loans |  | $ | 16,626 |  |  | $ | 4,710 |  |  | $ | 2,870 |  |  | $ | 24,206 |  |  | $ | 4,794 |  |  | $ | 2,191,267 |  |  | $ | 2,220,267 |
Residential Real Estate |  | $ | 1,582 |  |  | $ | 100 |  |  | $ | 500 |  |  | $ | 2,182 |  |  | $ | 6,311 |  |  | $ | 1,276,970 |  |  | $ | 1,285,463 |
Total Originated Loans |  | $ | 24,477 |  |  | $ | 5,123 |  |  | $ | 8,276 |  |  | $ | 37,876 |  |  | $ | 23,022 |  |  | $ | 6,663,222 |  |  | $ | 6,724,120 |
Acquired |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
C&I |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 28,823 |  |  | $ | 28,823 |
CRE |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 67,853 |  |  |  | 67,853 |
Business Banking |  |  | 445 |  |  |  | - |  |  |  | - |  |  |  | 445 |  |  |  | 366 |  |  |  | 35,324 |  |  |  | 36,135 |
Total Commercial Loans |  | $ | 445 |  |  | $ | - |  |  | $ | - |  |  | $ | 445 |  |  | $ | 366 |  |  | $ | 132,000 |  |  | $ | 132,811 |
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Direct |  | $ | 276 |  |  | $ | 43 |  |  | $ | - |  |  | $ | 319 |  |  | $ | 131 |  |  | $ | 24,971 |  |  | $ | 25,421 |
Total Consumer Loans |  | $ | 276 |  |  | $ | 43 |  |  | $ | - |  |  | $ | 319 |  |  | $ | 131 |  |  | $ | 24,971 |  |  | $ | 25,421 |
Residential Real Estate |  | $ | 1,102 |  |  | $ | - |  |  | $ | 66 |  |  | $ | 1,168 |  |  | $ | 1,104 |  |  | $ | 129,185 |  |  | $ | 131,457 |
Total Acquired Loans |  | $ | 1,823 |  |  | $ | 43 |  |  | $ | 66 |  |  | $ | 1,932 |  |  | $ | 1,601 |  |  | $ | 286,156 |  |  | $ | 289,689 |
Total Loans |  | $ | 26,300 |  |  | $ | 5,166 |  |  | $ | 8,342 |  |  | $ | 39,808 |  |  | $ | 24,623 |  |  | $ | 6,949,378 |  |  | $ | 7,013,809 |
(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:
|  | September 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 |  | $ | 78 |  |  | $ | 304 |  |  | $ |  |  |  | $ | 228 |  |  | $ | 497 |  |  | $ |  |
CRE |  |  | 2,046 |  |  |  | 2,046 |  |  |  |  |  |  |  | 4,312 |  |  |  | 6,330 |  |  |  |  |
Business Banking |  |  | 993 |  |  |  | 1,412 |  |  |  |  |  |  |  | 1,013 |  |  |  | 2,001 |  |  |  |  |
Total Commercial Loans |  | $ | 3,117 |  |  | $ | 3,762 |  |  |  |  |  |  | $ | 5,553 |  |  | $ | 8,828 |  |  |  |  |
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Dealer Finance |  | $ | 194 |  |  | $ | 279 |  |  |  |  |  |  | $ | 143 |  |  | $ | 241 |  |  |  |  |
Direct |  |  | 7,073 |  |  |  | 8,464 |  |  |  |  |  |  |  | 7,744 |  |  |  | 9,831 |  |  |  |  |
Total Consumer Loans |  | $ | 7,267 |  |  | $ | 8,743 |  |  |  |  |  |  | $ | 7,887 |  |  | $ | 10,072 |  |  |  |  |
Residential Real Estate |  | $ | 7,673 |  |  | $ | 9,620 |  |  |  |  |  |  | $ | 6,905 |  |  | $ | 9,414 |  |  |  |  |
Total |  | $ | 18,057 |  |  | $ | 22,125 |  |  |  |  |  |  | $ | 20,345 |  |  | $ | 28,314 |  |  |  |  |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
C&I |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 233 |  |  | $ | 238 |  |  | $ | 25 |
Total Commercial Loans |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 233 |  |  | $ | 238 |  |  | $ | 25 |
Total Loans |  | $ | 18,057 |  |  | $ | 22,125 |  |  | $ | - |  |  | $ | 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 |
|  | September 30, 2019 |  |  | September 30, 2018 |
(In thousands) |  | Average Recorded Investment |  |  | Interest Income Recognized |  |  | Average Recorded Investment |  |  | Interest Income Recognized |
Originated |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans: |  |  |  |  |  |  |  |  |  |  |  |
C&I |  | $ | 115 |  |  | $ | - |  |  | $ | 433 |  |  | $ | - |
CRE |  |  | 2,554 |  |  |  | 30 |  |  |  | 3,645 |  |  |  | 32 |
Business Banking |  |  | 1,002 |  |  |  | 7 |  |  |  | 1,024 |  |  |  | 4 |
Total Commercial Loans |  | $ | 3,671 |  |  | $ | 37 |  |  | $ | 5,102 |  |  | $ | 36 |
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Dealer Finance |  | $ | 213 |  |  | $ | 3 |  |  | $ | 177 |  |  | $ | 4 |
Direct |  |  | 7,293 |  |  |  | 95 |  |  |  | 7,730 |  |  |  | 102 |
Total Consumer Loans |  | $ | 7,506 |  |  | $ | 98 |  |  | $ | 7,907 |  |  | $ | 106 |
Residential Real Estate |  | $ | 7,629 |  |  | $ | 93 |  |  | $ | 6,519 |  |  | $ | 68 |
Total Originated |  | $ | 18,806 |  |  | $ | 228 |  |  | $ | 19,528 |  |  | $ | 210 |
Total Loans |  | $ | 18,806 |  |  | $ | 228 |  |  | $ | 19,528 |  |  | $ | 210 |
|  | For the Nine Months Ended |
|  | September 30, 2019 |  |  | September 30, 2018 |
(In thousands) |  | Average Recorded Investment |  |  | Interest Income Recognized |  |  | Average Recorded Investment |  |  | Interest Income Recognized |
Originated |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans: |  |  |  |  |  |  |  |  |  |  |  |
C&I |  | $ | 291 |  |  | $ | 1 |  |  | $ | 449 |  |  | $ | 1 |
CRE |  |  | 3,577 |  |  |  | 91 |  |  |  | 3,999 |  |  |  | 96 |
Business Banking |  |  | 1,111 |  |  |  | 18 |  |  |  | 998 |  |  |  | 12 |
Total Commercial Loans |  | $ | 4,979 |  |  | $ | 110 |  |  | $ | 5,446 |  |  | $ | 109 |
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Dealer Finance |  | $ | 201 |  |  | $ | 9 |  |  | $ | 187 |  |  | $ | 8 |
Direct |  |  | 7,518 |  |  |  | 291 |  |  |  | 7,953 |  |  |  | 317 |
Total Consumer Loans |  | $ | 7,719 |  |  | $ | 300 |  |  | $ | 8,140 |  |  | $ | 325 |
Residential Real Estate |  | $ | 7,428 |  |  | $ | 252 |  |  | $ | 6,719 |  |  | $ | 212 |
Total Originated |  | $ | 20,126 |  |  | $ | 662 |  |  | $ | 20,305 |  |  | $ | 646 |
Total Loans |  | $ | 20,126 |  |  | $ | 662 |  |  | $ | 20,305 |  |  | $ | 646 |
Financing Receivable Credit Quality by Loan Class | The following tables illustrate the Company’s credit quality by loan class:
(In thousands) |  | As of September 30, 2019 |
Originated |  |  |  |  |  |  |  |  |
Commercial Credit Exposure By Internally Assigned Grade: |  | C&I |  |  | CRE |  |  | Total |
Pass |  | $ | 771,776 |  |  | $ | 1,762,016 |  |  | $ | 2,533,792 |
Special Mention |  |  | 32,992 |  |  |  | 39,368 |  |  |  | 72,360 |
Substandard |  |  | 33,059 |  |  |  | 44,473 |  |  |  | 77,532 |
Total |  | $ | 837,827 |  |  | $ | 1,845,857 |  |  | $ | 2,683,684 |
Business Banking Credit Exposure By Internally Assigned Grade: |  | Business Banking |  |  | Total |
Non-classified |  | $ | 520,830 |  |  | $ | 520,830 |
Classified |  |  | 13,876 |  |  |  | 13,876 |
Total |  | $ | 534,706 |  |  | $ | 534,706 |
Consumer Credit Exposure By Payment Activity: |  | Dealer Finance |  |  | Specialty Lending |  |  | Direct |  |  | Total |
Performing |  | $ | 1,192,448 |  |  | $ | 526,937 |  |  | $ | 493,218 |  |  | $ | 2,212,603 |
Nonperforming |  |  | 3,335 |  |  |  | 1,568 |  |  |  | 2,761 |  |  |  | 7,664 |
Total |  | $ | 1,195,783 |  |  | $ | 528,505 |  |  | $ | 495,979 |  |  | $ | 2,220,267 |
Residential Real Estate Credit Exposure By Payment Activity: |  | Residential Real Estate |  |  | Total |
Performing |  | $ | 1,278,652 |  |  | $ | 1,278,652 |
Nonperforming |  |  | 6,811 |  |  |  | 6,811 |
Total |  | $ | 1,285,463 |  |  | $ | 1,285,463 |
Acquired |  |  |  |  |  |  |  |  |
Commercial Credit Exposure |  |  |  |  |  |  |  |  |
By Internally Assigned Grade: |  | C&I |  |  | CRE |  |  | Total |
Pass |  | $ | 21,781 |  |  | $ | 67,441 |  |  | $ | 89,222 |
Special Mention |  |  | 2,860 |  |  |  | - |  |  |  | 2,860 |
Substandard |  |  | 4,182 |  |  |  | 412 |  |  |  | 4,594 |
Total |  | $ | 28,823 |  |  | $ | 67,853 |  |  | $ | 96,676 |
Business Banking Credit Exposure By Internally Assigned Grade: |  | Business Banking |  |  | Total |
Non-classified |  | $ | 33,499 |  |  | $ | 33,499 |
Classified |  |  | 2,636 |  |  |  | 2,636 |
Total |  | $ | 36,135 |  |  | $ | 36,135 |
Consumer Credit Exposure |  |  |  |  |  |
By Payment Activity: |  | Direct |  |  | Total |
Performing |  | $ | 25,290 |  |  | $ | 25,290 |
Nonperforming |  |  | 131 |  |  |  | 131 |
Total |  | $ | 25,421 |  |  | $ | 25,421 |
Residential Real Estate Credit Exposure By Payment Activity: |  | Residential Real Estate |  |  | Total |
Performing |  | $ | 130,287 |  |  | $ | 130,287 |
Nonperforming |  |  | 1,170 |  |  |  | 1,170 |
Total |  | $ | 131,457 |  |  |  | 131,457 |
(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 |
Business Banking Credit Exposure By Internally Assigned Grade: |  | Business Banking |  |  | Total |
Non-classified |  | $ | 476,052 |  |  | $ | 476,052 |
Classified |  |  | 13,219 |  |  |  | 13,219 |
Total |  | $ | 489,271 |  |  | $ | 489,271 |
Consumer Credit Exposure By Payment Activity: |  | Dealer Finance |  |  | Specialty Lending |  |  | 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 By Payment Activity: |  | Residential Real Estate |  |  | 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 By Internally Assigned Grade: |  | Business Banking |  |  | Total |
Non-classified |  | $ | 29,945 |  |  | $ | 29,945 |
Classified |  |  | 3,129 |  |  |  | 3,129 |
Total |  | $ | 33,074 |  |  | $ | 33,074 |
Consumer Credit Exposure By Payment Activity: |  | Dealer Finance |  |  | Direct |  |  | Total |
Performing |  | $ | 32 |  |  | $ | 31,350 |  |  | $ | 31,382 |
Nonperforming |  |  | - |  |  |  | 242 |  |  |  | 242 |
Total |  | $ | 32 |  |  | $ | 31,592 |  |  | $ | 31,624 |
Residential Real Estate Credit Exposure By Payment Activity: |  | Residential Real Estate |  |  | Total |
Performing |  | $ | 145,779 |  |  | $ | 145,779 |
Nonperforming |  |  | 1,498 |  |  |  | 1,498 |
Total |  | $ | 147,277 |  |  | $ | 147,277 |
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 September 30, 2019 |  |  | Three Months Ended September 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 |
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Dealer Finance |  |  | - |  |  | $ | - |  |  | $ | - |  |  |  | 8 |  |  | $ | 90 |  |  | $ | 89 |
Direct |  |  | 1 |  |  |  | 30 |  |  |  | 37 |  |  |  | - |  |  |  | - |  |  |  | - |
Total Consumer Loans |  |  | 1 |  |  | $ | 30 |  |  | $ | 37 |  |  |  | 8 |  |  | $ | 90 |  |  | $ | 89 |
Residential Real Estate |  |  | 2 |  |  | $ | 186 |  |  | $ | 203 |  |  |  | - |  |  | $ | - |  |  | $ | - |
Total Troubled Debt Restructurings |  |  | 3 |  |  | $ | 216 |  |  | $ | 240 |  |  |  | 8 |  |  | $ | 90 |  |  | $ | 89 |
|  | Nine Months Ended September 30, 2019 |  |  | Nine Months Ended September 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 |  |  |  | 15 |  |  | $ | 185 |  |  | $ | 183 |
Direct |  |  | 9 |  |  |  | 418 |  |  |  | 434 |  |  |  | 2 |  |  |  | 41 |  |  |  | 41 |
Total Consumer Loans |  |  | 18 |  |  | $ | 552 |  |  | $ | 568 |  |  |  | 17 |  |  | $ | 226 |  |  | $ | 224 |
Residential Real Estate |  |  | 10 |  |  | $ | 942 |  |  | $ | 990 |  |  |  | 5 |  |  | $ | 323 |  |  | $ | 323 |
Total Troubled Debt Restructurings |  |  | 31 |  |  | $ | 1,947 |  |  | $ | 2,011 |  |  |  | 25 |  |  | $ | 918 |  |  | $ | 918 |
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 September 30, 2019 |  |  | Three Months Ended September 30, 2018 |
(Dollars in thousands) |  | Number of Contracts |  |  | Recorded Investment |  |  | Number of Contracts |  |  | Recorded Investment |
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |
Dealer Finance |  |  | 1 |  |  | $ | 10 |  |  |  | - |  |  | $ | - |
Direct |  |  | 9 |  |  |  | 332 |  |  |  | 17 |  |  |  | 816 |
Total Consumer Loans |  |  | 10 |  |  | $ | 342 |  |  |  | 17 |  |  | $ | 816 |
Residential Real Estate |  |  | 9 |  |  | $ | 572 |  |  |  | 5 |  |  | $ | 398 |
Total Troubled Debt Restructurings |  |  | 19 |  |  | $ | 914 |  |  |  | 22 |  |  | $ | 1,214 |
|  | Nine Months Ended September 30, 2019 |  |  | Nine Months Ended September 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 |  |  | 24 |  |  |  | 1,109 |  |  |  | 35 |  |  |  | 1,740 |
Total Consumer Loans |  |  | 26 |  |  | $ | 1,126 |  |  |  | 35 |  |  | $ | 1,740 |
Residential Real Estate |  |  | 19 |  |  | $ | 1,087 |  |  |  | 17 |  |  | $ | 1,239 |
Total Troubled Debt Restructurings |  |  | 45 |  |  | $ | 2,213 |  |  |  | 54 |  |  | $ | 3,237 |

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