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Loans and Allowance (Tables) | 12 Months Ended
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Dec. 31, 2018
Receivables [Abstract] |
Composition of Loan Portfolio by Loan Class | The following table illustrates the composition of the Corporation’s loan portfolio by loan class for the years indicated:
| December 31, 2018 |  | December 31, 2017
Commercial and industrial loans | $ | 1,726,664 |  |  | $ | 1,493,493 |
Agricultural production financing and other loans to farmers | 92,404 |  |  | 121,757 |
Real estate loans: |  |  |
Construction | 545,729 |  |  | 612,219 |
Commercial and farmland | 2,832,102 |  |  | 2,562,691 |
Residential | 966,421 |  |  | 962,765 |
Home equity | 528,157 |  |  | 514,021 |
Individuals' loans for household and other personal expenditures | 99,788 |  |  | 86,935 |
Lease financing receivables, net of unearned income | 1,600 |  |  | 2,527 |
Other commercial loans | 431,602 |  |  | 394,791 |
Loans | 7,224,467 |  |  | 6,751,199 |
Allowance for loan losses | (80,552 | ) |  | (75,032 | )
Net Loans | $ | 7,143,915 |  |  | $ | 6,676,167 |
Changes in Allowance for Loan Losses | The following tables summarize changes in the allowance for loan losses by loan segment for the twelve months ended December 31, 2018, 2017, and 2016:
| Twelve Months Ended December 31, 2018
| Commercial |  | Commercial Real Estate |  | Consumer |  | Residential |  | Finance Leases |  | Total
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |
Balances, December 31, 2017 | $ | 30,418 |  |  | $ | 27,343 |  |  | $ | 3,732 |  |  | $ | 13,537 |  |  | $ | 2 |  |  | $ | 75,032 |
Provision for losses | 2,097 |  |  | 2,482 |  |  | 679 |  |  | 1,969 |  |  |  |  |  | 7,227 |
Recoveries on loans | 2,456 |  |  | 2,525 |  |  | 302 |  |  | 993 |  |  |  |  |  | 6,276 |
Loans charged off | (2,316 | ) |  | (2,741 | ) |  | (749 | ) |  | (2,177 | ) |  |  |  |  | (7,983 | )
Balances, December 31, 2018 | $ | 32,655 |  |  | $ | 29,609 |  |  | $ | 3,964 |  |  | $ | 14,322 |  |  | $ | 2 |  |  | $ | 80,552 |
| Twelve Months Ended December 31, 2017
| Commercial |  | Commercial Real Estate |  | Consumer |  | Residential |  | Finance Leases |  | Total
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |
Balances, December 31, 2016 | $ | 27,696 |  |  | $ | 23,661 |  |  | $ | 2,923 |  |  | $ | 11,755 |  |  | $ | 2 |  |  | $ | 66,037 |
Provision for losses | 2,515 |  |  | 3,159 |  |  | 1,078 |  |  | 2,391 |  |  |  |  |  | 9,143 |
Recoveries on loans | 1,590 |  |  | 2,260 |  |  | 324 |  |  | 706 |  |  |  |  |  | 4,880 |
Loans charged off | (1,383 | ) |  | (1,737 | ) |  | (593 | ) |  | (1,315 | ) |  |  |  |  | (5,028 | )
Balances, December 31, 2017 | $ | 30,418 |  |  | $ | 27,343 |  |  | $ | 3,732 |  |  | $ | 13,537 |  |  | $ | 2 |  |  | $ | 75,032 |
| Twelve Months Ended December 31, 2016
| Commercial |  | Commercial Real Estate |  | Consumer |  | Residential |  | Finance Leases |  | Total
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |
Balances, December 31, 2015 | $ | 26,478 |  |  | $ | 22,145 |  |  | $ | 2,689 |  |  | $ | 11,139 |  |  | $ | 2 |  |  | $ | 62,453 |
Provision for losses | 1,876 |  |  | 1,834 |  |  | 432 |  |  | 1,515 |  |  |  |  |  | 5,657 |
Recoveries on loans | 1,806 |  |  | 2,090 |  |  | 369 |  |  | 1,091 |  |  |  |  |  | 5,356 |
Loans charged off | (2,464 | ) |  | (2,408 | ) |  | (567 | ) |  | (1,990 | ) |  |  |  |  | (7,429 | )
Balances, December 31, 2016 | $ | 27,696 |  |  | $ | 23,661 |  |  | $ | 2,923 |  |  | $ | 11,755 |  |  | $ | 2 |  |  | $ | 66,037 |
Allowance for Credit Losses and Loan Portfolio by Loan Segment | The tables below show the Corporation’s allowance for loan losses and loan portfolio by loan segment for the years indicated. At December 31, 2018 and 2017, there was no related allowance for loan losses for loans acquired with deteriorated credit quality.
| December 31, 2018
| Commercial |  | Commercial Real Estate |  | Consumer |  | Residential |  | Finance Leases |  | Total
Allowance balances: |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  |  |  | $ | 1,435 |  |  | $ | 1 |  |  | $ | 436 |  |  |  |  | $ | 1,872 |
Collectively evaluated for impairment | $ | 32,655 |  |  | 28,174 |  |  | 3,963 |  |  | 13,886 |  |  | $ | 2 |  |  | 78,680 |
Total allowance for loan losses | $ | 32,655 |  |  | $ | 29,609 |  |  | $ | 3,964 |  |  | $ | 14,322 |  |  | $ | 2 |  |  | $ | 80,552 |
Loan balances: |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 1,838 |  |  | $ | 17,756 |  |  | $ | 18 |  |  | $ | 2,413 |  |  |  |  | $ | 22,025 |
Collectively evaluated for impairment | 2,246,730 |  |  | 3,347,686 |  |  | 99,770 |  |  | 1,490,872 |  |  | $ | 1,600 |  |  | 7,186,658 |
Loans acquired with deteriorated credit quality | 2,102 |  |  | 12,389 |  |  |  |  |  | 1,293 |  |  |  |  |  | 15,784 |
Loans | $ | 2,250,670 |  |  | $ | 3,377,831 |  |  | $ | 99,788 |  |  | $ | 1,494,578 |  |  | $ | 1,600 |  |  | $ | 7,224,467 |
| December 31, 2017
| Commercial |  | Commercial Real Estate |  | Consumer |  | Residential |  | Finance Leases |  | Total
Allowance balances: |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 666 |  |  | $ | 567 |  |  |  |  |  | $ | 404 |  |  |  |  | $ | 1,637 |
Collectively evaluated for impairment | 29,752 |  |  | 26,776 |  |  | $ | 3,732 |  |  | 13,133 |  |  | $ | 2 |  |  | 73,395 |
Total allowance for loan losses | $ | 30,418 |  |  | $ | 27,343 |  |  | $ | 3,732 |  |  | $ | 13,537 |  |  | $ | 2 |  |  | $ | 75,032 |
Loan balances: |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 3,345 |  |  | $ | 17,432 |  |  | $ | 5 |  |  | $ | 2,429 |  |  |  |  | $ | 23,211 |
Collectively evaluated for impairment | 2,005,275 |  |  | 3,135,481 |  |  | 86,930 |  |  | 1,472,821 |  |  | $ | 2,527 |  |  | 6,703,034 |
Loans acquired with deteriorated credit quality | 1,421 |  |  | 21,997 |  |  |  |  |  | 1,536 |  |  |  |  |  | 24,954 |
Loans | $ | 2,010,041 |  |  | $ | 3,174,910 |  |  | $ | 86,935 |  |  | $ | 1,476,786 |  |  | $ | 2,527 |  |  | $ | 6,751,199 |
Summary of Non-Accrual Loans by Loan class | The following table summarizes the Corporation’s non-accrual loans by loan class for the years indicated:
| December 31, 2018 |  | December 31, 2017
Commercial and industrial loans | $ | 1,803 |  |  | $ | 3,275 |
Agriculture production financing and other loans to farmers | 679 |  |  | 1,027 |
Real estate loans: |  |  |  |
Construction | 8,667 |  |  | 65 |
Commercial and farmland | 8,156 |  |  | 12,951 |
Residential | 4,966 |  |  | 9,444 |
Home equity | 1,481 |  |  | 1,928 |
Individuals' loans for household and other personal expenditures | 42 |  |  | 34 |
Other commercial loans | 354 |  |
Total | $ | 26,148 |  |  | $ | 28,724 |
Composition of Impaired Loans by Loan Class | The following tables show the composition of the Corporation’s impaired loans, related allowance and interest income recognized while impaired by loan class for the years indicated:
| December 31, 2018
| Unpaid Principal Balance |  | Recorded Investment |  | Related Allowance |  | Average Recorded Investment |  | Interest Income Recognized
Impaired loans with no related allowance: |  |  |  |  |  |  |  |  |
Commercial and industrial loans | $ | 828 |  |  | $ | 806 |  |  |  |  | $ | 833 |  |  |  |
Agriculture production financing and other loans to farmers | 679 |  |  | 679 |  |  |  |  | 679 |  |  |
Real estate loans: |  |  |  |  |  |  |  |  |
Construction | 1,352 |  |  | 614 |  |  |  |  | 835 |  |  |  |
Commercial and farmland | 11,176 |  |  | 8,994 |  |  |  |  | 12,975 |  |  | $ | 165 |
Residential | 118 |  |  | 100 |  |  |  |  | 101 |  |  | 3 |
Home equity | 49 |  |  | 48 |  |  |  |  | 48 |  |  |  |
Other commercial loans | 353 |  |  | 353 |  |  |  |  | 353 |  |  |  |
Total | $ | 14,555 |  |  | $ | 11,594 |  |  |  |  |  | $ | 15,824 |  |  | $ | 168 |
Impaired loans with related allowance: |  |  |  |  |  |  |  |  |
Real estate loans: |  |  |  |  |  |  |  |  |
Construction | $ | 7,978 |  |  | $ | 7,977 |  |  | $ | 1,429 |  |  | $ | 7,977 |  |  |
Commercial and farmland | 171 |  |  | 171 |  |  | 6 |  |  | 171 |  |  |  |
Residential | 1,958 |  |  | 1,907 |  |  | 362 |  |  | 1,915 |  |  | 57 |
Home equity | 376 |  |  | 358 |  |  | 74 |  |  | 365 |  |  | 10 |
Individuals' loans for household and other personal expenditures | 18 |  |  | 18 |  |  | 1 |  |  | 20 |  |  | $ | 1 |
Total | $ | 10,501 |  |  | $ | 10,431 |  |  | $ | 1,872 |  |  | $ | 10,448 |  |  | $ | 68 |
Total Impaired Loans | $ | 25,056 |  |  | $ | 22,025 |  |  | $ | 1,872 |  |  | $ | 26,272 |  |  | $ | 236 |
| December 31, 2017
| Unpaid Principal Balance |  | Recorded Investment |  | Related Allowance |  | Average Recorded Investment |  | Interest Income Recognized
Impaired loans with no related allowance: |  |  |  |  |  |  |  |  |
Commercial and industrial loans | $ | 7,611 |  |  | $ | 1,536 |  |  |  |  |  | $ | 3,839 |  |  |  |
Agriculture production financing and other loans to farmers | 732 |  |  | 700 |  |  |  |  |  | 762 |  |  |  |
Real estate loans: |  |  |  |  |  |  |  |  |
Commercial and farmland | 16,758 |  |  | 15,163 |  |  |  |  | 17,495 |  |  | $ | 360 |
Residential | 833 |  |  | 519 |  |  |  |  | 635 |  |  |  |
Home equity | 40 |  |  | 8 |  |  |  |  | 14 |  |  |  |
Individuals' loans for household and other personal expenditures | 5 |  |  | 5 |  |  |  |  | 7 |  |  |  |
Total | $ | 25,979 |  |  | $ | 17,931 |  |  |  |  | $ | 22,752 |  |  | $ | 360 |
Impaired loans with related allowance: |  |  |  |  |  |  |  |  |
Commercial and industrial loans | $ | 812 |  |  | $ | 782 |  |  | $ | 552 |  |  | $ | 1,517 |  |  |  |
Agriculture production financing and other loans to farmers | 357 |  |  | 327 |  |  | 114 |  |  | 327 |  |  |  |
Real estate loans: |  |  |  |  |  |  |  |  |
Commercial and farmland | 2,988 |  |  | 2,269 |  |  | 567 |  |  | 2,379 |  |  |  |
Residential | 1,616 |  |  | 1,572 |  |  | 327 |  |  | 1,580 |  |  | $ | 28 |
Home equity | 350 |  |  | 330 |  |  | 77 |  |  | 332 |  |  | 11 |
Total | $ | 6,123 |  |  | $ | 5,280 |  |  | $ | 1,637 |  |  | $ | 6,135 |  |  | $ | 39 |
Total Impaired Loans | $ | 32,102 |  |  | $ | 23,211 |  |  | $ | 1,637 |  |  | $ | 28,887 |  |  | $ | 399 |
| December 31, 2016
| Unpaid Principal Balance |  | Recorded Investment |  | Related Allowance |  | Average Recorded Investment |  | Interest Income Recognized
Impaired loans with no related allowance: |  |  |  |  |  |  |  |  |
Commercial and industrial loans | $ | 4,028 |  |  | $ | 1,696 |  |  |  |  | $ | 1,770 |  |  | $ | 37 |
Agriculture production financing and other loans to farmers | 367 |  |  | 338 |  |  |  |  | 357 |  |  |
Real estate loans: |  |  |  |  |  |  |  |  |
Commercial and farmland | 22,828 |  |  | 17,752 |  |  |  |  | 18,944 |  |  | 288 |
Residential | 2,073 |  |  | 1,402 |  |  |  |  | 1,665 |  |  | 2 |
Home equity | 60 |  |  | 30 |  |  |  |  | 30 |  |  |  |
Individuals' loans for household and other personal expenditures | 9 |  |  | 9 |  |  |  |  |  | 9 |  |  |  |
Total | $ | 29,365 |  |  | $ | 21,227 |  |  |  |  | $ | 22,775 |  |  | $ | 327 |
Impaired loans with related allowance: |  |  |  |  |  |  |  |  |
Agriculture production financing and other loans to farmers | $ | 660 |  |  | $ | 660 |  |  | $ | 36 |  |  | $ | 690 |  |  |
Real estate loans: |  |  |  |  |  |  |  |  |
Commercial and farmland | 4,237 |  |  | 2,985 |  |  | 553 |  |  | 2,990 |  |  |  |
Residential | 968 |  |  | 877 |  |  | 233 |  |  | 872 |  |  | $ | 14 |
Home equity | 290 |  |  | 266 |  |  | 66 |  |  | 266 |  |  | 6 |
Total | $ | 6,155 |  |  | $ | 4,788 |  |  | $ | 888 |  |  | $ | 4,818 |  |  | $ | 20 |
Total Impaired Loans | $ | 35,520 |  |  | $ | 26,015 |  |  | $ | 888 |  |  | $ | 27,593 |  |  | $ | 347 |
Credit Quality of Loan Portfolio by Loan Class | The following tables summarize the credit quality of the Corporation’s loan portfolio, by loan class for the years indicated. Consumer non-performing loans include accruing consumer loans 90-days or more delinquent and consumer non-accrual loans. The entire balance of a loan is considered delinquent if the minimum payment contractually required to be made is not received by the specified date. Loans that evidenced deterioration of credit quality since origination and the probability, at acquisition, that all contractually required payments would not be collected are included in the applicable categories below.
| December 31, 2018
| Commercial Pass |  | Commercial Special Mention |  | Commercial Substandard |  | Commercial Doubtful |  | Commercial Loss |  | Consumer Performing |  | Consumer Non Performing |  | Total
Commercial and industrial loans | $ | 1,660,879 |  |  | $ | 23,246 |  |  | $ | 42,539 |  |  |  |  |  |  |  |  |  |  | $ | 1,726,664 |
Agriculture production financing and other loans to farmers | 78,446 |  |  | 5,966 |  |  | 7,992 |  |  |  |  |  |  |  |  |  |  | 92,404 |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction | 492,358 |  |  | 2,185 |  |  | 24,224 |  |  |  |  |  |  | $ | 25,419 |  |  | $ | 1,543 |  |  | 545,729 |
Commercial and farmland | 2,669,491 |  |  | 76,037 |  |  | 84,288 |  |  |  |  |  |  | 2,285 |  |  | 1 |  |  | 2,832,102 |
Residential | 170,075 |  |  | 7,373 |  |  | 2,076 |  |  |  |  |  |  | 782,080 |  |  | 4,817 |  |  | 966,421 |
Home equity | 24,653 |  |  | 535 |  |  | 457 |  |  |  |  |  |  | 500,996 |  |  | 1,516 |  |  | 528,157 |
Individuals' loans for household and other personal expenditures |  |  |  |  |  |  |  |  |  |  | 99,741 |  |  | 47 |  |  | 99,788 |
Lease financing receivables, net of unearned income | 1,600 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1,600 |
Other commercial loans | 431,249 |  |  |  |  |  | 353 |  |  |  |  |  |  |  |  |  |  | 431,602 |
Loans | $ | 5,528,751 |  |  | $ | 115,342 |  |  | $ | 161,929 |  |  |  |  |  |  | $ | 1,410,521 |  |  | $ | 7,924 |  |  | $ | 7,224,467 |
| December 31, 2017
| Commercial Pass |  | Commercial Special Mention |  | Commercial Substandard |  | Commercial Doubtful |  | Commercial Loss |  | Consumer Performing |  | Consumer Non Performing |  | Total
Commercial and industrial loans | $ | 1,418,401 |  |  | $ | 51,336 |  |  | $ | 23,386 |  |  | $ | 370 |  |  |  |  |  |  |  |  | $ | 1,493,493 |
Agriculture production financing and other loans to farmers | 73,800 |  |  | 27,502 |  |  | 20,018 |  |  | 387 |  |  | $ | 50 |  |  |  |  |  |  | 121,757 |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction | 587,906 |  |  | 828 |  |  | 981 |  |  |  |  |  |  | $ | 22,374 |  |  | $ | 130 |  |  | 612,219 |
Commercial and farmland | 2,408,329 |  |  | 70,074 |  |  | 79,769 |  |  | 1,536 |  |  |  |  | 2,980 |  |  | 3 |  |  | 2,562,691 |
Residential | 185,725 |  |  | 4,376 |  |  | 4,209 |  |  | 114 |  |  |  |  | 759,900 |  |  | 8,441 |  |  | 962,765 |
Home equity | 28,554 |  |  | 457 |  |  | 286 |  |  |  |  |  |  | 482,661 |  |  | 2,063 |  |  | 514,021 |
Individuals' loans for household and other personal expenditures |  |  |  |  |  |  |  |  |  |  | 86,875 |  |  | 60 |  |  | 86,935 |
Lease financing receivables, net of unearned income | 2,527 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2,527 |
Other commercial loans | 394,222 |  |  |  |  |  | 569 |  |  |  |  |  |  |  |  |  |  |  | 394,791 |
Loans | $ | 5,099,464 |  |  | $ | 154,573 |  |  | $ | 129,218 |  |  | $ | 2,407 |  |  | $ | 50 |  |  | $ | 1,354,790 |  |  | $ | 10,697 |  |  | $ | 6,751,199 |
Past Due Aging of Loan Portfolio by Loan Class | The tables below show a past due aging of the Corporation’s loan portfolio, by loan class, for the years indicated:
| December 31, 2018
| Current |  | 30-59 Days Past Due |  | 60-89 Days Past Due |  | Loans 90 Days or More Past Due And Accruing |  | Non-Accrual |  | Total Past Due & Non-Accrual |  | Total
Commercial and industrial loans | $ | 1,723,337 |  |  | $ | 1,093 |  |  | $ | 182 |  |  | $ | 249 |  |  | $ | 1,803 |  |  | $ | 3,327 |  |  | $ | 1,726,664 |
Agriculture production financing and other loans to farmers | 89,440 |  |  | 2,285 |  |  |  |  |  |  |  |  | 679 |  |  | 2,964 |  |  | 92,404 |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |
Construction | 535,520 |  |  | 64 |  |  |  |  | 1,478 |  |  | 8,667 |  |  | 10,209 |  |  | 545,729 |
Commercial and farmland | 2,822,515 |  |  | 1,253 |  |  | 178 |  |  |  |  |  | 8,156 |  |  | 9,587 |  |  | 2,832,102 |
Residential | 959,252 |  |  | 1,756 |  |  | 430 |  |  | 17 |  |  | 4,966 |  |  | 7,169 |  |  | 966,421 |
Home equity | 524,198 |  |  | 2,164 |  |  | 207 |  |  | 107 |  |  | 1,481 |  |  | 3,959 |  |  | 528,157 |
Individuals' loans for household and other personal expenditures | 99,499 |  |  | 179 |  |  | 64 |  |  | 4 |  |  | 42 |  |  | 289 |  |  | 99,788 |
Lease financing receivables, net of unearned income | 1,600 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1,600 |
Other commercial loans | 431,248 |  |  |  |  |  |  |  |  |  | 354 |  |  | 354 |  |  | 431,602 |
Loans | $ | 7,186,609 |  |  | $ | 8,794 |  |  | $ | 1,061 |  |  | $ | 1,855 |  |  | $ | 26,148 |  |  | $ | 37,858 |  |  | $ | 7,224,467 |
| December 31, 2017
| Current |  | 30-59 Days Past Due |  | 60-89 Days Past Due |  | Loans 90 Days or More Past Due And Accruing |  | Non-Accrual |  | Total Past Due & Non-Accrual |  | Total
Commercial and industrial loans | $ | 1,487,221 |  |  | $ | 2,967 |  |  | $ | 30 |  |  |  |  |  | $ | 3,275 |  |  | $ | 6,272 |  |  | $ | 1,493,493 |
Agriculture production financing and other loans to farmers | 120,720 |  |  | 10 |  |  |  |  |  |  |  |  | 1,027 |  |  | 1,037 |  |  | 121,757 |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |
Construction | 610,896 |  |  | 1,193 |  |  |  |  | $ | 65 |  |  | 65 |  |  | 1,323 |  |  | 612,219 |
Commercial and farmland | 2,542,048 |  |  | 6,923 |  |  | 166 |  |  | 603 |  |  | 12,951 |  |  | 20,643 |  |  | 2,562,691 |
Residential | 948,947 |  |  | 4,010 |  |  | 308 |  |  | 56 |  |  | 9,444 |  |  | 13,818 |  |  | 962,765 |
Home equity | 510,362 |  |  | 1,372 |  |  | 184 |  |  | 175 |  |  | 1,928 |  |  | 3,659 |  |  | 514,021 |
Individuals' loans for household and other personal expenditures | 85,744 |  |  | 298 |  |  | 834 |  |  | 25 |  |  | 34 |  |  | 1,191 |  |  | 86,935 |
Lease financing receivables, net of unearned income | 2,527 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2,527 |
Other commercial loans | 394,791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 394,791 |
Loans | $ | 6,703,256 |  |  | $ | 16,773 |  |  | $ | 1,522 |  |  | $ | 924 |  |  | $ | 28,724 |  |  | $ | 47,943 |  |  | $ | 6,751,199 |
Schedules of Troubled Debt Restructuring | The following tables summarize troubled debt restructures in the Corporation's loan portfolio that occurred during the periods ended December 31, 2018 and 2017:
| December 31, 2018
| Pre-Modification Recorded Balance |  | Post-Modification Recorded Balance |  | Number of Loans
Real estate loans: |  |  |  |  |
Commercial and farmland | $ | 85 |  |  | $ | 85 |  |  | 1 |
Residential | 490 |  |  | 487 |  |  | 11 |
Home equity | 81 |  |  | 81 |  |  | 3 |
Individuals' loans for household and other personal expenditures | 65 |  |  | 66 |  |  | 3 |
Total | $ | 721 |  |  | $ | 719 |  |  | 18 |
| December 31, 2017
| Pre-Modification Recorded Balance |  | Post-Modification Recorded Balance |  | Number of Loans
Commercial and industrial loans | $ | 599 |  |  | $ | 376 |  |  | 3 |
Agriculture production financing and other loans to farmers | 387 |  |  | 387 |  |  | 3 |
Real estate loans: |  |  |  |  |
Commercial and farmland | 1,022 |  |  | 1,156 |  |  | 8 |
Residential | 788 |  |  | 862 |  |  | 15 |
Home equity | 195 |  |  | 107 |  |  | 4 |
Individuals' loans for household and other personal expenditures | 13 |  |  | 14 |  |  | 1 |
Total | $ | 3,004 |  |  | $ | 2,902 |  |  | 34 |
The following tables summarize the recorded investment of troubled debt restructures as of December 31, 2018 and 2017, by modification type, that occurred during the years indicated:
| December 31, 2018
| Term Modification |  | Rate Modification |  | Combination |  | Total Modification
Real estate loans: |  |  |  |  |  |  |  |  |  |  |
Commercial and farmland | $ | 85 |  |  |  |  |  |  |  |  | $ | 85 |
Residential |  |  | $ | 209 |  |  | $ | 239 |  |  | 448 |
Home equity | 106 |  |  | 74 |  |  |  |  | 180 |
Individuals' loans for household and other personal expenditures | 58 |  |  | 6 |  |  |  |  | 64 |
Total | $ | 249 |  |  | $ | 289 |  |  | $ | 239 |  |  | $ | 777 |
| December 31, 2017
| Term Modification |  | Rate Modification |  | Combination |  | Total Modification
Commercial and industrial loans | $ | 203 |  |  |  |  | $ | 166 |  |  | $ | 369 |
Agriculture production financing and other loans to farmers | 387 |  |  |  |  |  |  | 387 |
Real estate loans: |  |  |  |  |  |  |
Commercial and farmland | 705 |  |  | $ | 59 |  |  | 232 |  |  | 996 |
Residential |  |  |  | 761 |  |  | 85 |  |  | 846 |
Home equity |  |  |  | 105 |  |  |  |  |  | 105 |
Individuals' loans for household and other personal expenditures |  |  |  | 14 |  |  |  |  | 14 |
Total | $ | 1,295 |  |  | $ | 939 |  |  | $ | 483 |  |  | $ | 2,717 |
The following tables summarize troubled debt restructures that occurred during the twelve months ended December 31, 2018 and 2017, that subsequently defaulted during the period indicated and remained in default at period end. For purposes of this schedule, a loan is considered in default if it is 30-days or more past due.
| Twelve Months Ended December 31, 2018
| Number of Loans |  | Recorded Balance
Real estate loans: |  |  |
Residential | 2 |  |  | $ | 75 |
Total | 2 |  |  | $ | 75 |
| Twelve Months Ended December 31, 2017
| Number of Loans |  | Recorded Balance
Real estate loans: |  |  |
Commercial and farmland | 1 |  |  | $ | 14 |
Residential | 4 |  |  | 323 |
Total | 5 |  |  | $ | 337 |

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