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Allowance for Loan Losses and Credit Quality of Loans (Tables) | 12 Months Ended
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Dec. 31, 2019
Allowance for Loan Losses and Credit Quality of Loans [Abstract] |
Portfolio and Class Segments |
Portfolio | Class - 2019 & 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 | Indirect Auto | 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 December 31, 2018 |  | $ | 32,759 |  |  | $ | 37,178 |  |  | $ | 2,568 |  |  | $ | 72,505 |
Charge-offs |  |  | (3,151 | ) |  |  | (28,398 | ) |  |  | (991 | ) |  |  | (32,540 | )
Recoveries |  |  | 534 |  |  |  | 6,913 |  |  |  | 141 |  |  |  | 7,588 |
Provision |  |  | 4,383 |  |  |  | 19,954 |  |  |  | 1,075 |  |  |  | 25,412 |
Ending Balance as of December 31, 2019 |  | $ | 34,525 |  |  | $ | 35,647 |  |  | $ | 2,793 |  |  | $ | 72,965 |
Balance as of December 31, 2017 |  | $ | 27,606 |  |  | $ | 36,830 |  |  | $ | 5,064 |  |  | $ | 69,500 |
Charge-offs |  |  | (3,463 | ) |  |  | (29,752 | ) |  |  | (913 | ) |  |  | (34,128 | )
Recoveries |  |  | 1,178 |  |  |  | 6,821 |  |  |  | 306 |  |  |  | 8,305 |
Provision |  |  | 7,438 |  |  |  | 23,279 |  |  |  | (1,889 | ) |  |  | 28,828 |
Ending Balance as of December 31, 2018 |  | $ | 32,759 |  |  | $ | 37,178 |  |  | $ | 2,568 |  |  | $ | 72,505 |
Balance as of December 31, 2016 |  | $ | 25,444 |  |  | $ | 33,375 |  |  | $ | 6,381 |  |  | $ | 65,200 |
Charge-offs |  |  | (4,169 | ) |  |  | (27,072 | ) |  |  | (1,846 | ) |  |  | (33,087 | )
Recoveries |  |  | 1,077 |  |  |  | 5,142 |  |  |  | 180 |  |  |  | 6,399 |
Provision |  |  | 5,254 |  |  |  | 25,385 |  |  |  | 349 |  |  |  | 30,988 |
Ending Balance as of December 31, 2017 |  | $ | 27,606 |  |  | $ | 36,830 |  |  | $ | 5,064 |  |  | $ | 69,500 |
The following table illustrates the allowance for loan losses and the recorded investment by portfolio segment:
(In thousands) |  | Commercial Loans |  |  | Consumer Loans |  |  | Residential Real Estate |  |  | Total |
As of December 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses |  | $ | 34,525 |  |  | $ | 35,647 |  |  | $ | 2,793 |  |  | $ | 72,965 |
Allowance for loans individually evaluated for impairment |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Allowance for loans collectively evaluated for impairment |  | $ | 34,525 |  |  | $ | 35,647 |  |  | $ | 2,793 |  |  | $ | 72,965 |
Ending balance of loans |  | $ | 3,444,266 |  |  | $ | 2,246,676 |  |  | $ | 1,445,156 |  |  | $ | 7,136,098 |
Ending balance of originated loans individually evaluated for impairment |  |  | 3,488 |  |  |  | 7,044 |  |  |  | 7,721 |  |  |  | 18,253 |
Ending balance of acquired loans collectively evaluated for impairment |  |  | 115,266 |  |  |  | 23,733 |  |  |  | 125,879 |  |  |  | 264,878 |
Ending balance of originated loans collectively evaluated for impairment |  | $ | 3,325,512 |  |  | $ | 2,215,899 |  |  | $ | 1,311,556 |  |  | $ | 6,852,967 |
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 table sets 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 December 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Originated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
C&I |  | $ | 1,227 |  |  | $ | - |  |  | $ | - |  |  | $ | 1,227 |  |  | $ | 1,177 |  |  | $ | 838,502 |  |  | $ | 840,906 |
CRE |  |  | 3,576 |  |  |  | - |  |  |  | - |  |  |  | 3,576 |  |  |  | 4,847 |  |  |  | 1,941,143 |  |  |  | 1,949,566 |
Business Banking |  |  | 794 |  |  |  | 162 |  |  |  | - |  |  |  | 956 |  |  |  | 7,035 |  |  |  | 530,537 |  |  |  | 538,528 |
Total Commercial Loans |  | $ | 5,597 |  |  | $ | 162 |  |  | $ | - |  |  | $ | 5,759 |  |  | $ | 13,059 |  |  | $ | 3,310,182 |  |  | $ | 3,329,000 |
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Indirect Auto |  | $ | 11,860 |  |  | $ | 2,108 |  |  | $ | 1,005 |  |  | $ | 14,973 |  |  | $ | 2,175 |  |  | $ | 1,176,487 |  |  | $ | 1,193,635 |
Specialty Lending |  |  | 3,153 |  |  |  | 2,087 |  |  |  | 1,307 |  |  |  | 6,547 |  |  |  | - |  |  |  | 535,516 |  |  |  | 542,063 |
Direct |  |  | 2,564 |  |  |  | 564 |  |  |  | 478 |  |  |  | 3,606 |  |  |  | 2,475 |  |  |  | 481,164 |  |  |  | 487,245 |
Total Consumer Loans |  | $ | 17,577 |  |  | $ | 4,759 |  |  | $ | 2,790 |  |  | $ | 25,126 |  |  | $ | 4,650 |  |  | $ | 2,193,167 |  |  | $ | 2,222,943 |
Residential Real Estate |  | $ | 1,179 |  |  | $ | 190 |  |  | $ | 663 |  |  | $ | 2,032 |  |  | $ | 5,872 |  |  | $ | 1,311,373 |  |  | $ | 1,319,277 |
Total Originated Loans |  | $ | 24,353 |  |  | $ | 5,111 |  |  | $ | 3,453 |  |  | $ | 32,917 |  |  | $ | 23,581 |  |  | $ | 6,814,722 |  |  | $ | 6,871,220 |
Acquired |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
C&I |  | $ | 149 |  |  | $ | - |  |  | $ | - |  |  | $ | 149 |  |  | $ | - |  |  | $ | 19,215 |  |  | $ | 19,364 |
CRE |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 60,937 |  |  |  | 60,937 |
Business Banking |  |  | 397 |  |  |  | 287 |  |  |  | - |  |  |  | 684 |  |  |  | 382 |  |  |  | 33,899 |  |  |  | 34,965 |
Total Commercial Loans |  | $ | 546 |  |  | $ | 287 |  |  | $ | - |  |  | $ | 833 |  |  | $ | 382 |  |  | $ | 114,051 |  |  | $ | 115,266 |
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Direct |  | $ | 136 |  |  | $ | 58 |  |  | $ | - |  |  | $ | 194 |  |  | $ | 105 |  |  | $ | 23,434 |  |  | $ | 23,733 |
Total Consumer Loans |  | $ | 136 |  |  | $ | 58 |  |  | $ | - |  |  | $ | 194 |  |  | $ | 105 |  |  | $ | 23,434 |  |  | $ | 23,733 |
Residential Real Estate |  | $ | 575 |  |  | $ | 20 |  |  | $ | 264 |  |  | $ | 859 |  |  | $ | 1,106 |  |  | $ | 123,914 |  |  | $ | 125,879 |
Total Acquired Loans |  | $ | 1,257 |  |  | $ | 365 |  |  | $ | 264 |  |  | $ | 1,886 |  |  | $ | 1,593 |  |  | $ | 261,399 |  |  | $ | 264,878 |
Total Loans |  | $ | 25,610 |  |  | $ | 5,476 |  |  | $ | 3,717 |  |  | $ | 34,803 |  |  | $ | 25,174 |  |  | $ | 7,076,121 |  |  | $ | 7,136,098 |
(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: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Indirect Auto |  | $ | 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: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Indirect Auto |  | $ | 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:
|  | December 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 |  | $ | 76 |  |  | $ | 302 |  |  |  |  |  | $ | 228 |  |  | $ | 497 |  |  |  |
CRE |  |  | 2,410 |  |  |  | 2,437 |  |  |  | - |  |  |  | 4,312 |  |  |  | 6,330 |  |  |  | - |
Business Banking |  |  | 1,002 |  |  |  | 1,443 |  |  |  |  |  |  |  | 1,013 |  |  |  | 2,001 |  |  |  |  |
Total Commercial Loans |  | $ | 3,488 |  |  | $ | 4,182 |  |  |  |  |  |  | $ | 5,553 |  |  | $ | 8,828 |  |  |  |  |
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Indirect Auto |  | $ | 154 |  |  | $ | 242 |  |  |  |  |  |  | $ | 143 |  |  | $ | 241 |  |  |  |  |
Direct |  |  | 6,862 |  |  |  | 8,335 |  |  |  |  |  |  |  | 7,744 |  |  |  | 9,831 |  |  |  |  |
Specialty Lending |  |  | 28 |  |  |  | 28 |  |  |  |  |  |  |  | - |  |  |  | - |  |  |  |  |
Total Consumer Loans |  | $ | 7,044 |  |  | $ | 8,605 |  |  |  |  |  |  | $ | 7,887 |  |  | $ | 10,072 |  |  |  |  |
Residential Real Estate |  | $ | 7,721 |  |  | $ | 9,754 |  |  |  |  |  |  | $ | 6,905 |  |  | $ | 9,414 |  |  |  |  |
Total |  | $ | 18,253 |  |  | $ | 22,541 |  |  |  |  |  |  | $ | 20,345 |  |  | $ | 28,314 |  |  |  |  |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
C&I |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 233 |  |  | $ | 238 |  |  | $ | 25 |
Total Commercial Loans |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 233 |  |  | $ | 238 |  |  | $ | 25 |
Total Loans |  | $ | 18,253 |  |  | $ | 22,541 |  |  | $ | - |  |  | $ | 20,578 |  |  | $ | 28,552 |  |  | $ | 25 |
There were no acquired impaired loans specifically evaluated for impairment as of December 31, 2019 and 2018. The following table summarizes the average recorded investments on loans specifically evaluated for impairment and the interest income recognized:
|  | December 31, 2019 |  |  | December 31, 2018 |  |  | December 31, 2017 |
(In thousands) |  | Average Recorded Investment |  |  | Interest Income Recognized |  |  | Average Recorded Investment |  |  | Interest Income Recognized |  |  | Average Recorded Investment |  |  | Interest Income Recognized |
Originated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
C&I |  | $ | 242 |  |  | $ | 1 |  |  | $ | 453 |  |  | $ | 1 |  |  | $ | - |  |  | $ | - |
CRE |  |  | 3,311 |  |  |  | 123 |  |  |  | 4,078 |  |  |  | 128 |  |  |  | - |  |  |  | - |
Commercial |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 1,841 |  |  |  | - |
Commercial Real Estate |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 3,534 |  |  |  | 115 |
Agricultural |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 224 |  |  |  | 1 |
Agricultural Real Estate |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 1,709 |  |  |  | 43 |
Business Banking |  |  | 1,089 |  |  |  | 24 |  |  |  | 1,018 |  |  |  | 26 |  |  |  | 875 |  |  |  | 12 |
Total Commercial Loans |  | $ | 4,642 |  |  | $ | 148 |  |  | $ | 5,549 |  |  | $ | 155 |  |  | $ | 8,183 |  |  | $ | 171 |
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Indirect Auto |  | $ | 192 |  |  | $ | 10 |  |  | $ | 179 |  |  | $ | 10 |  |  | $ | - |  |  | $ | - |
Direct |  |  | 7,387 |  |  |  | 382 |  |  |  | 7,922 |  |  |  | 431 |  |  |  | - |  |  |  | - |
Specialty Lending |  |  | 7 |  |  |  | 1 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Indirect |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 35 |  |  |  | 3 |
Home Equity |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 8,226 |  |  |  | 446 |
Direct |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 178 |  |  |  | 8 |
Total Consumer Loans |  | $ | 7,586 |  |  | $ | 393 |  |  | $ | 8,101 |  |  | $ | 441 |  |  | $ | 8,439 |  |  | $ | 457 |
Residential Real Estate |  | $ | 7,505 |  |  | $ | 350 |  |  | $ | 6,779 |  |  | $ | 305 |  |  | $ | 6,523 |  |  | $ | 296 |
Total Originated |  | $ | 19,733 |  |  | $ | 891 |  |  | $ | 20,429 |  |  | $ | 901 |  |  | $ | 23,145 |  |  | $ | 924 |
Acquired |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Real Estate |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 93 |  |  | $ | - |
Total Commercial Loans |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 93 |  |  | $ | - |
Total Acquired Loans |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 93 |  |  | $ | - |
Total Loans |  | $ | 19,733 |  |  | $ | 891 |  |  | $ | 20,429 |  |  | $ | 901 |  |  | $ | 23,238 |  |  | $ | 924 |
Financing Receivable Credit Quality by Loan Class | The following tables illustrate the Company’s credit quality by loan class:
(In thousands) |  | As of December 31, 2019 |
Originated |  |  |  |  |  |  |  |  |
Commercial Credit Exposure |  |  |  |  |  |  |  |  |
By Internally Assigned Grade: |  | C&I |  |  | CRE |  |  | Total |
Pass |  | $ | 782,763 |  |  | $ | 1,868,678 |  |  | $ | 2,651,441 |
Special Mention |  |  | 28,380 |  |  |  | 30,519 |  |  |  | 58,899 |
Substandard |  |  | 29,257 |  |  |  | 50,369 |  |  |  | 79,626 |
Doubtful |  |  | 506 |  |  |  | - |  |  |  | 506 |
Total |  | $ | 840,906 |  |  | $ | 1,949,566 |  |  | $ | 2,790,472 |
Business Banking Credit Exposure |  |  |  |  |  |
By Internally Assigned Grade: |  | Business Banking |  |  | Total |
Non-classified |  | $ | 524,725 |  |  | $ | 524,725 |
Classified |  |  | 13,803 |  |  |  | 13,803 |
Total |  | $ | 538,528 |  |  | $ | 538,528 |
Consumer Credit Exposure |  |  |  |  |  |  |  |  |  |  |  |
By Payment Activity: |  | Indirect Auto |  |  | Specialty Lending |  |  | Direct |  |  | Total |
Performing |  | $ | 1,190,455 |  |  | $ | 540,756 |  |  | $ | 484,292 |  |  | $ | 2,215,503 |
Nonperforming |  |  | 3,180 |  |  |  | 1,307 |  |  |  | 2,953 |  |  |  | 7,440 |
Total |  | $ | 1,193,635 |  |  | $ | 542,063 |  |  | $ | 487,245 |  |  | $ | 2,222,943 |
Residential Real Estate Credit Exposure |  |  |  |  |  |
By Payment Activity: |  | Residential Real Estate |  |  | Total |
Performing |  | $ | 1,312,742 |  |  | $ | 1,312,742 |
Nonperforming |  |  | 6,535 |  |  |  | 6,535 |
Total |  | $ | 1,319,277 |  |  | $ | 1,319,277 |
Acquired |  |  |  |  |  |  |  |  |
Commercial Credit Exposure |  |  |  |  |  |  |  |  |
By Internally Assigned Grade: |  | C&I |  |  | CRE |  |  | Total |
Pass |  | $ | 17,801 |  |  | $ | 60,545 |  |  | $ | 78,346 |
Special Mention |  |  | 1,269 |  |  |  | - |  |  |  | 1,269 |
Substandard |  |  | 294 |  |  |  | 392 |  |  |  | 686 |
Total |  | $ | 19,364 |  |  | $ | 60,937 |  |  | $ | 80,301 |
Business Banking Credit Exposure |  |  |  |  |  |
By Internally Assigned Grade: |  | Business Banking |  |  | Total |
Non-classified |  | $ | 32,030 |  |  | $ | 32,030 |
Classified |  |  | 2,935 |  |  |  | 2,935 |
Total |  | $ | 34,965 |  |  | $ | 34,965 |
Consumer Credit Exposure |  |  |  |  |  |
By Payment Activity: |  | Direct |  |  | Total |
Performing |  | $ | 23,628 |  |  | $ | 23,628 |
Nonperforming |  |  | 105 |  |  |  | 105 |
Total |  | $ | 23,733 |  |  | $ | 23,733 |
Residential Real Estate Credit Exposure |  |  |  |  |  |
By Payment Activity: |  | Residential Real Estate |  |  | Total |
Performing |  | $ | 124,509 |  |  | $ | 124,509 |
Nonperforming |  |  | 1,370 |  |  |  | 1,370 |
Total |  | $ | 125,879 |  |  | $ | 125,879 |
(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 |  | Business |  |  |  |
By Internally Assigned Grade: |  | Banking |  |  | Total |
Non-classified |  | $ | 476,052 |  |  | $ | 476,052 |
Classified |  |  | 13,219 |  |  |  | 13,219 |
Total |  | $ | 489,271 |  |  | $ | 489,271 |
Consumer Credit Exposure |  |  |  |  |  |  |  |  |  |  |  |
By Payment Activity: |  | Indirect Auto |  |  | 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 |  | Residential |  |  |  |
By Payment Activity: |  | 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 |  | Business |  |  |  |
By Internally Assigned Grade: |  | Banking |  |  | Total |
Non-classified |  | $ | 29,945 |  |  | $ | 29,945 |
Classified |  |  | 3,129 |  |  |  | 3,129 |
Total |  | $ | 33,074 |  |  | $ | 33,074 |
Consumer Credit Exposure |  |  |  |  |  |  |  |  |
By Payment Activity: |  | Indirect Auto |  |  | Direct |  |  | Total |
Performing |  | $ | 32 |  |  | $ | 31,350 |  |  | $ | 31,382 |
Nonperforming |  |  | - |  |  |  | 242 |  |  |  | 242 |
Total |  | $ | 32 |  |  | $ | 31,592 |  |  | $ | 31,624 |
Residential Real Estate Credit Exposure |  | Residential |  |  |  |
By Payment Activity: |  | 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:
|  | Year ended December 31, 2019 |
(Dollars in thousands) |  | Number of Contracts |  |  | Pre- Modification Outstanding Recorded Investment |  |  | Post- Modification Outstanding Recorded Investment |
Commercial Loans: |  |  |  |  |  |  |  |  |
C&I |  |  | 1 |  |  | $ | 65 |  |  | $ | 65 |
CRE |  |  | 1 |  |  |  | 402 |  |  |  | 402 |
Business Banking |  |  | 3 |  |  |  | 425 |  |  |  | 431 |
Total Commercial Loans |  |  | 5 |  |  | $ | 892 |  |  | $ | 898 |
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |
Indirect Auto |  |  | 9 |  |  | $ | 134 |  |  | $ | 134 |
Direct |  |  | 11 |  |  |  | 450 |  |  |  | 480 |
Total Consumer Loans |  |  | 20 |  |  | $ | 584 |  |  | $ | 614 |
Residential Real Estate |  |  | 12 |  |  | $ | 1,032 |  |  | $ | 1,091 |
Total Troubled Debt Restructurings |  |  | 37 |  |  | $ | 2,508 |  |  | $ | 2,603 |
|  | Year ended December 31, 2018 |
(Dollars In thousands) |  | Number of Contracts |  |  | Pre- Modification Outstanding Recorded Investment |  |  | Post- Modification Outstanding Recorded Investment |
Commercial Loans: |  |  |  |  |  |  |  |  |
Business Banking |  |  | 5 |  |  | $ | 581 |  |  | $ | 581 |
Total Commercial Loans |  |  | 5 |  |  | $ | 581 |  |  | $ | 581 |
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |
Indirect Auto |  |  | 17 |  |  | $ | 204 |  |  | $ | 202 |
Direct |  |  | 10 |  |  |  | 401 |  |  |  | 399 |
Total Consumer Loans |  |  | 27 |  |  | $ | 605 |  |  | $ | 601 |
Residential Real Estate |  |  | 14 |  |  | $ | 1,099 |  |  | $ | 1,098 |
Total Troubled Debt Restructurings |  |  | 46 |  |  | $ | 2,285 |  |  | $ | 2,280 |
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:
|  | Year ended December 31, 2019 |  |  | Year ended December 31, 2018 |
(Dollars in thousands) |  | Number of Contracts |  |  | Recorded Investment |  |  | Number of Contracts |  |  | Recorded Investment |
Commercial Loans: |  |  |  |  |  |  |  |  |  |  |  |
Business Banking |  |  | - |  |  | $ | - |  |  |  | 3 |  |  | $ | 338 |
Total Commercial Loans |  |  | - |  |  | $ | - |  |  |  | 3 |  |  | $ | 338 |
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Indirect Auto |  |  | 3 |  |  | $ | 18 |  |  |  | - |  |  | $ | - |
Direct |  |  | 29 |  |  |  | 1,385 |  |  |  | 37 |  |  |  | 1,931 |
Total Consumer Loans |  |  | 32 |  |  | $ | 1,403 |  |  |  | 37 |  |  | $ | 1,931 |
Residential Real Estate |  |  | 23 |  |  | $ | 1,203 |  |  |  | 26 |  |  | $ | 1,786 |
Total Troubled Debt Restructurings |  |  | 55 |  |  | $ | 2,606 |  |  |  | 66 |  |  | $ | 4,055 |

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