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Allowance for Loan and Lease Losses (Tables)
 12 Months Ended
Dec. 31, 2016
Receivables [Abstract]  
Schedule of originated and acquired loan and lease losses by portfolio segment
Changes in the allowance for loan and lease losses at December 31, are summarized as follows:
 
(in thousands)
2016
 
2015
 
2014
Total allowance at beginning of year
$
32,004

 
$
28,997

 
$
27,970

Provisions charged to operations
4,321

 
2,945

 
2,306

Recoveries on loans and leases
2,139

 
2,843

 
3,109

Charge-offs on loans and leases
(2,709
)
 
(2,781
)
 
(4,388
)
Total allowance at end of year
$
35,755

 
$
32,004

 
$
28,997

 
The following tables detail activity in the allowance for originated and acquired loan and lease losses by portfolio segment for the twelve months ended December 31, 2016 and 2015.  
 
December 31, 2016
 
 
 
 
 
 
 
 
 
 
 
(in thousands)
Commercial
and Industrial
 
Commercial
Real Estate
 
Residential
Real Estate
 
Consumer
and Other
 
Finance
Leases
 
Total
Allowance for originated loans and leases:
 
 
 
 
 
 
 
 
Beginning balance
$
10,495

 
$
15,479

 
$
4,070

 
$
1,268

 
$
0

 
$
31,312

Charge-offs
(878
)
 
(12
)
 
(263
)
 
(521
)
 
0

 
(1,674
)
Recoveries
576

 
859

 
63

 
325

 
0

 
1,823

Provision
(804
)
 
3,510

 
1,279

 
152

 
0

 
4,137

Ending Balance
$
9,389

 
$
19,836

 
$
5,149

 
$
1,224

 
$
0

 
$
35,598

 
December 31, 2016
 
 
 
 
 
 
 
 
 
 
 
(in thousands)
Commercial
and Industrial
 
Commercial
Real Estate
 
Residential
Real Estate
 
Consumer
and Other
 
Finance
Leases
 
Total
Allowance for acquired loans:
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
$
433

 
$
61

 
$
198

 
$
0

 
$
0

 
$
692

Charge-offs
(698
)
 
(181
)
 
(35
)
 
(121
)
 
0

 
(1,035
)
Recoveries
20

 
268

 
0

 
28

 
0

 
316

Provision
245

 
(51
)
 
(109
)
 
99

 
0

 
184

Ending Balance
$
0

 
$
97

 
$
54

 
$
6

 
$
0

 
$
157

 
December 31, 2015
 
 
 
 
 
 
 
 
 
 
 
(in thousands)
Commercial
and Industrial
 
Commercial
Real Estate
 
Residential
Real Estate
 
Consumer
and Other
 
Finance
Leases
 
Total
Allowance for originated loans and leases:
 
 
 
 
 
 
 
 
Beginning balance
$
9,157

 
$
12,069

 
$
5,030

 
$
1,900

 
$
0

 
$
28,156

Charge-offs
(221
)
 
(363
)
 
(338
)
 
(1,074
)
 
0

 
(1,996
)
Recoveries
809

 
1,277

 
112

 
487

 
0

 
2,685

Provision
750

 
2,496

 
(734
)
 
(45
)
 
0

 
2,467

Ending Balance
$
10,495

 
$
15,479

 
$
4,070

 
$
1,268

 
$
0

 
$
31,312

 
December 31, 2015
 
 
 
 
 
 
 
 
 
 
 
(in thousands)
Commercial
and Industrial
 
Commercial
Real Estate
 
Residential
Real Estate
 
Consumer
and Other
 
Finance
Leases
 
Total
Allowance for acquired loans:
 
 
 
 
 
 
 
 
Beginning balance
$
431

 
$
337

 
$
51

 
$
22

 
$
0

 
$
841

Charge-offs
(77
)
 
(400
)
 
(302
)
 
(6
)
 
0

 
(785
)
Recoveries
7

 
142

 
9

 
0

 
0

 
158

Provision
72

 
(18
)
 
440

 
(16
)
 
0

 
478

Ending Balance
$
433

 
$
61

 
$
198

 
$
0

 
$
0

 
$
692
Schedule of the allowance for loan and lease losses based on impairment methodology
At December 31, 2016 and 2015, the allocation of the allowance for loan and lease losses summarized on the basis of the Company’s impairment methodology was as follows:
 
December 31, 2016
 
 
 
 
 
 
 
 
 
 
 
(in thousands)
Commercial
and Industrial
 
Commercial
Real Estate
 
Residential
Real Estate
 
Consumer
and Other
 
Finance
Leases
 
Total
Allowance for originated loans and leases:
 
 
 
 
 
 
 
 
Individually evaluated for impairment
$
95

 
$
322

 
$
0

 
$
0

 
$
0

 
$
417

Collectively evaluated for impairment
9,294

 
19,514

 
5,149

 
1,224

 
0

 
35,181

Ending balance
$
9,389

 
$
19,836

 
$
5,149

 
$
1,224

 
$
0

 
$
35,598

Allowance for acquired loans:
 
 
 
 
 
 
 
 
Individually evaluated for impairment
$
0

 
$
76

 
$
0

 
$
0

 
$
0

 
$
76

Collectively evaluated for impairment
0

 
21

 
54

 
6

 
0

 
81

Ending balance
$
0

 
$
97

 
$
54

 
$
6

 
$
0

 
$
157

 
December 31, 2015
 
 
 
 
 
 
 
 
 
 
 
(in thousands)
Commercial
and Industrial
 
Commercial
Real Estate
 
Residential
Real Estate
 
Consumer
and Other
 
Finance
Leases
 
Total
Allowance for originated loans and leases:
 
 
 
 
 
 
 
 
Individually evaluated for impairment
$
0

 
$
288

 
$
0

 
$
0

 
$
0

 
$
288

Collectively evaluated for impairment
10,495

 
15,191

 
4,070

 
1,268

 
0

 
31,024

Ending balance
$
10,495

 
$
15,479

 
$
4,070

 
$
1,268

 
$
0

 
$
31,312

Allowance for acquired loans:
 
 
 
 
 
 
 
 
Individually evaluated for impairment
$
433

 
$
0

 
$
128

 
$
0

 
$
0

 
$
561

Collectively evaluated for impairment
0

 
61

 
70

 
0

 
0

 
131

Ending balance
$
433

 
$
61

 
$
198

 
$
0

 
$
0

 
$
692
Schedule of recorded investment in loans and leases impairment methodology
The recorded investment in loans and leases summarized on the basis of the Company’s impairment methodology as of December 31, 2016 and December 31, 2015 was as follows:
December 31, 2016
 
 
 
 
 
 
 
 
 
 
 
(in thousands)
Commercial and Industrial
 
Commercial Real Estate
 
Residential Real Estate
 
Consumer and Other
 
Finance Leases
 
Total
Originated loans and leases:
 
 
 
 
 
 
 
 
Individually evaluated for impairment
$
635

 
$
8,812

 
$
3,507

 
$
0

 
$
0

 
$
12,954

Collectively evaluated for impairment
964,667

 
1,661,221

 
1,153,148

 
59,228

 
16,650

 
3,854,914

Total
$
965,302

 
$
1,670,033

 
$
1,156,655

 
$
59,228

 
$
16,650

 
$
3,867,868


December 31, 2016
 
 
 
 
 
 
 
 
 
 
 
(in thousands)
Commercial
and Industrial
 
Commercial
Real Estate
 
Residential
Real Estate
 
Consumer
and Other
 
Covered
Loans
 
Total
Acquired loans:
 
 
 
 
 
 
 
 
 
 
 
Individually evaluated for impairment
$
172

 
$
4,081

 
$
1,372

 
$
0

 
$
0

 
$
5,625

Loans acquired with deteriorated credit quality
448

 
14,368

 
7,701

 
0

 
0

 
22,517

Collectively evaluated for impairment
78,697

 
232,359

 
54,087

 
826

 
0

 
365,969

Total
$
79,317

 
$
250,808

 
$
63,160

 
$
826

 
$
0

 
$
394,111

December 31, 2015
 
 
 
 
 
 
 
 
 
 
 
(in thousands)
Commercial
and Industrial
 
Commercial
Real Estate
 
Residential
Real Estate
 
Consumer
and Other
 
Finance
Leases
 
Total
Originated loans and leases:
 
 
 
 
 
 
 
 
Individually evaluated for impairment
$
1,206

 
$
5,655

 
$
2,270

 
$
0

 
$
0

 
$
9,131

Collectively evaluated for impairment
855,117

 
1,351,567

 
1,024,149

 
58,733

 
14,861

 
3,304,427

Total
$
856,323

 
$
1,357,222

 
$
1,026,419

 
$
58,733

 
$
14,861

 
$
3,313,558

December 31, 2015
 
 
 
 
 
 
 
 
 
 
 
(in thousands)
Commercial
and Industrial
 
Commercial
Real Estate
 
Residential
Real Estate
 
Consumer
and Other
 
Covered
Loans
 
Total
Acquired loans:
 
 
 
 
 
 
 
 
 
 
 
Individually evaluated for impairment
$
647

 
$
5,226

 
$
1,177

 
$
0

 
$
0

 
$
7,050

Loans acquired with deteriorated credit quality
567

 
9,335

 
3,801

 
0

 
12,804

 
26,507

Collectively evaluated for impairment
83,596

 
277,378

 
64,605

 
911

 
1,227

 
427,717

Total
$
84,810

 
$
291,939

 
$
69,583

 
$
911

 
$
14,031

 
$
461,274
Schedule of recorded investments in impaired loans
The recorded investment in loans and leases summarized on the basis of the Company’s impairment methodology as of December 31, 2016 and December 31, 2015 was as follows:
December 31, 2016
 
 
 
 
 
 
 
 
 
 
 
(in thousands)
Commercial and Industrial
 
Commercial Real Estate
 
Residential Real Estate
 
Consumer and Other
 
Finance Leases
 
Total
Originated loans and leases:
 
 
 
 
 
 
 
 
Individually evaluated for impairment
$
635

 
$
8,812

 
$
3,507

 
$
0

 
$
0

 
$
12,954

Collectively evaluated for impairment
964,667

 
1,661,221

 
1,153,148

 
59,228

 
16,650

 
3,854,914

Total
$
965,302

 
$
1,670,033

 
$
1,156,655

 
$
59,228

 
$
16,650

 
$
3,867,868


December 31, 2016
 
 
 
 
 
 
 
 
 
 
 
(in thousands)
Commercial
and Industrial
 
Commercial
Real Estate
 
Residential
Real Estate
 
Consumer
and Other
 
Covered
Loans
 
Total
Acquired loans:
 
 
 
 
 
 
 
 
 
 
 
Individually evaluated for impairment
$
172

 
$
4,081

 
$
1,372

 
$
0

 
$
0

 
$
5,625

Loans acquired with deteriorated credit quality
448

 
14,368

 
7,701

 
0

 
0

 
22,517

Collectively evaluated for impairment
78,697

 
232,359

 
54,087

 
826

 
0

 
365,969

Total
$
79,317

 
$
250,808

 
$
63,160

 
$
826

 
$
0

 
$
394,111

December 31, 2015
 
 
 
 
 
 
 
 
 
 
 
(in thousands)
Commercial
and Industrial
 
Commercial
Real Estate
 
Residential
Real Estate
 
Consumer
and Other
 
Finance
Leases
 
Total
Originated loans and leases:
 
 
 
 
 
 
 
 
Individually evaluated for impairment
$
1,206

 
$
5,655

 
$
2,270

 
$
0

 
$
0

 
$
9,131

Collectively evaluated for impairment
855,117

 
1,351,567

 
1,024,149

 
58,733

 
14,861

 
3,304,427

Total
$
856,323

 
$
1,357,222

 
$
1,026,419

 
$
58,733

 
$
14,861

 
$
3,313,558

December 31, 2015
 
 
 
 
 
 
 
 
 
 
 
(in thousands)
Commercial
and Industrial
 
Commercial
Real Estate
 
Residential
Real Estate
 
Consumer
and Other
 
Covered
Loans
 
Total
Acquired loans:
 
 
 
 
 
 
 
 
 
 
 
Individually evaluated for impairment
$
647

 
$
5,226

 
$
1,177

 
$
0

 
$
0

 
$
7,050

Loans acquired with deteriorated credit quality
567

 
9,335

 
3,801

 
0

 
12,804

 
26,507

Collectively evaluated for impairment
83,596

 
277,378

 
64,605

 
911

 
1,227

 
427,717

Total
$
84,810

 
$
291,939

 
$
69,583

 
$
911

 
$
14,031

 
$
461,274


 
A loan is impaired when, based on current information and events, it is probable that we will be unable to collect all amounts due according to the contractual terms of the loan agreement. Impaired loans consist of our non-homogenous nonaccrual loans, and all loans restructured in a troubled debt restructuring (TDR). Specific reserves on individually identified impaired loans that are not collateral dependent are measured based on the present value of expected future cash flows discounted at the original effective interest rate of each loan. For loans that are collateral dependent, impairment is measured based on the fair value of the collateral less estimated selling costs, and such impaired amounts are generally charged off. The majority of impaired loans are collateral dependent impaired loans that have limited exposure or require limited specific reserves because of the amount of collateral support with respect to these loans, and previous charge-offs. Interest payments on impaired loans are typically applied to principal unless collectability of the principal amount is reasonably assured. In these cases, interest is recognized on a cash basis. There was no interest income recognized on impaired loans and leases for 2016, 2015 and 2014. 

The recorded investment on impaired loans for the twelve months ended December 31, 2016, and 2015 was as follows:
 
12/31/2016
 
12/31/2015
(in thousands)
Recorded
Investment
 
Unpaid
Principal
Balance
 
Related
Allowance
 
Recorded
Investment
 
Unpaid
Principal
Balance
 
Related
Allowance
Originated loans and leases with no related allowance
 
 
 
 
 
 
 
 
Commercial and industrial
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial other
$
276

 
$
370

 
$
0

 
$
1,206

 
$
1,211

 
$
0

Commercial real estate
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate other
6,979

 
7,263

 
0

 
5,049

 
5,249

 
0

Residential real estate
 
 
 
 
 
 
 
 
 
 
 
Home equity
3,507

 
3,535

 
0

 
2,270

 
2,270

 
0

Subtotal
$
10,762

 
$
11,168

 
$
0

 
$
8,525

 
$
8,730

 
$
0

Originated loans and leases with related allowance
 
 
 
 
 
 
 
 
Commercial and industrial
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial other
359

 
276

 
95

 
0

 
0

 
0

Commercial real estate
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate other
1,833

 
2,042

 
322

 
606

 
606

 
288

Subtotal
$
2,192

 
$
2,318

 
$
417

 
$
606

 
$
606

 
$
288

Total
$
12,954

 
$
13,486

 
$
417

 
$
9,131

 
$
9,336

 
$
288

 
12/31/2016
 
12/31/2015
(in thousands)
Recorded
Investment
 
Unpaid
Principal
Balance
 
Related
Allowance
 
Recorded
Investment
 
Unpaid
Principal
Balance
 
Related
Allowance
Acquired loans with no related allowance
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial other
$
172

 
$
472

 
$
0

 
$
128

 
$
128

 
$
0

Commercial real estate
 
 
 
 
 
 
 
 
 
 
 
Construction
0

 
0

 
0

 
359

 
359

 
0

Commercial real estate other
4,003

 
4,386

 
0

 
4,739

 
5,077

 
0

Residential real estate
 
 
 
 
 
 
 
 
 
 
 
Home equity
1,372

 
1,372

 
0

 
1,177

 
1,177

 
0

Subtotal
$
5,547

 
$
6,230

 
$
0

 
$
6,403

 
$
6,741

 
$
0

Acquired loans with related allowance
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial other
0

 
0

 
0

 
519

 
519

 
433

Commercial real estate
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate other
78

 
78

 
76

 
128

 
128

 
128

Subtotal
$
78

 
$
78

 
$
76

 
$
647

 
$
647

 
$
561

Total
$
5,625

 
$
6,308

 
$
76

 
$
7,050

 
$
7,388

 
$
561

 
The average recorded investment and interest income recognized on impaired originated loans for the twelve months ended December 31, 2016, 2015  and 2014 was as follows:
 
As of December 31,
 
2016
 
2015
 
2014
(in thousands)
Average
Recorded
Investment
 
Interest
Income
Recognized
 
Average
Recorded
Investment
 
Interest
Income
Recognized
 
Average
Recorded
Investment
 
Interest
Income
Recognized
Originated loans and leases with no related allowance
 
 
 
 
 
 
 
 
Commercial and industrial
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial other
$
249

 
$
0

 
$
1,293

 
$
0

 
$
2,366

 
$
0

Commercial real estate
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate other
6,089

 
0

 
7,490

 
0

 
8,078

 
0

Residential real estate
 
 
 
 
 
 
 
 
 
 
 
Home equity
3,003

 
0

 
1,337

 
0

 
1,408

 
0

Subtotal
$
9,341

 
$
0

 
$
10,120

 
$
0

 
$
11,852

 
$
0

Originated loans and leases with related allowance
 
 
 
 
 
 
 
 
Commercial and industrial
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial other
114

 
0

 
0

 
0

 
0

 
0

Commercial real estate
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate other
1,715

 
0

 
245

 
0

 
892

 
0

Subtotal
$
1,829

 
$
0

 
$
245

 
$
0

 
$
892

 
$
0

Total
$
11,170

 
$
0

 
$
10,365

 
$
0

 
$
12,744

 
$
0

 
The average recorded investment and interest income recognized on impaired acquired loans for the twelve months ended December 31, 2016, 2015  and 2014 was as follows:
 
As of December 31,  
 
2016
 
2015
 
2014
(in thousands)
Average
Recorded
Investment
 
Interest
Income
Recognized
 
Average
Recorded
Investment
 
Interest
Income
Recognized
 
Average
Recorded
Investment
 
Interest
Income
Recognized
Acquired loans with no related allowance
 
 
 
 
 
 
 
 
Commercial and industrial
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial other
$
183

 
$
0

 
$
748

 
$
0

 
$
252

 
$
0

Commercial real estate
 
 
 
 
 
 
 
 
 
 
 
Construction
152

 
0

 
367

 
0

 
0

 
0

Commercial real estate other
4,141

 
0

 
3,936

 
0

 
1,147

 
0

Residential real estate
 
 
 
 
 
 
 
 
 
 
 
Home equity
1,316

 
0

 
1,147

 
0

 
440

 
0

Subtotal
$
5,792

 
$
0

 
$
6,198

 
$
0

 
$
1,839

 
$
0

Acquired loans with related allowance
 
 
 
 
 
 
 
 
Commercial and industrial
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial other
0

 
0

 
523

 
0

 
831

 
0

Commercial real estate
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate other
58

 
0

 
52

 
0

 
266

 
0

Subtotal
$
58

 
$
0

 
$
575

 
$
0

 
$
1,097

 
$
0

Total
$
5,850

 
$
0

 
$
6,773

 
$
0

 
$
2,936

 
$
0
Schedule of troubled debt restructurings
The following tables present loans by class modified in 2016 as troubled debt restructurings.
 
Troubled Debt Restructuring
December 31, 2016
Twelve months ended
 
 
 
 
 
 
 
Defaulted TDRs4
(in thousands)
Number 
of Loans
 
Pre-Modification 
Outstanding 
Recorded 
Investment
 
Post- 
Modification 
Outstanding 
Recorded 
Investment
 
Number 
of Loans
 
Post- 
Modification 
Outstanding 
Recorded 
Investment
Commercial and industrial
 
 
 
 
 
 
 
 
 
Commercial and industrial other1
2

 
$
1,115

 
$
1,115

 
0

 
$
0

Commercial real estate
 
 
 
 
 
 
 
 
 
Commercial real estate other2
1

 
50

 
50

 
1

 
1,800

Residential real estate
 
 
 
 
 
 
 
 
 
Home equity3
12

 
1,274

 
1,274

 
0

 
0

Total
15

 
$
2,439

 
$
2,439

 
1

 
$
1,800

 
1
Represents the following concessions: extension of term and reduction of rate.
2
Represents the following concessions: reduction of rate.
3
Represents the following concessions: extension of term and reduction of rate.
4
TDRs that defaulted during the 12 months ended December 31, 2016 that had been restructured in the prior twelve months.

December 31, 2015
Twelve months ended
 
 
 
 
 
 
 
Defaulted TDRs5
(in thousands)
Number 
of Loans
 
Pre-Modification 
Outstanding 
Recorded 
Investment
 
Post- 
Modification 
Outstanding 
Recorded 
Investment
 
Number 
of Loans
 
Post- 
Modification 
Outstanding 
Recorded 
Investment
Commercial and industrial
 
 
 
 
 
 
 
 
 
Commercial and industrial other1
5

 
$
433

 
$
433

 
2

 
$
311

Commercial real estate
 
 
 
 
 
 
 
 
 
Commercial real estate other2
3

 
2,552

 
2,552

 
0

 
0

Residential real estate
 
 
 
 
 
 
 
 
 
Home equity3
14

 
1,558

 
1,558

 
2

 
136

Mortgages4
2

 
269

 
269

 
0

 
0

Total
24

 
$
4,812

 
$
4,812

 
4

 
$
447



1
Represents the following concessions: extension of term (2 loans $319,000) and reduction of rate (3 loans $114,000).
2
Represents the following concessions: extension of term (1 loan $28,000) and reduction of rate (2 loans $2.5 million).
3
Represents the following concessions: extension of term (9 loans $630,000) and reduction of rate (5 loans $928,000).
4
Represents the following concessions: extension of term and reduction of rate (2 loans $269,000).
5
TDRs that defaulted during the 12 months ended December 31, 2015 that had been restructured in the prior twelve months.
Schedule of credit quality indicators on loans by class of commercial and industrial loans and commercial real estate loans
The following table presents credit quality indicators (internal risk grade) by class of commercial loans, commercial real estate loans and agricultural loans as of December 31, 2016 and 2015.
December 31, 2016
 
 
 
 
 
 
 
 
 
 
 
(in thousands)
Commercial and Industrial Other
 
Commercial and Industrial Agriculture
 
Commercial Real Estate Other
 
Commercial Real Estate Agriculture
 
Commercial Real Estate Construction
 
Total
Originated loans and leases
 
 
 
 
 
 
 
 
Internal risk grade:
 
 
 
 
 
 
 
 
 
 
 
Pass
$
836,788

 
$
117,135

 
$
1,403,370

 
$
101,407

 
$
135,834

 
$
2,594,534

Special Mention
7,218

 
755

 
11,939

 
573

 
0

 
20,485

Substandard
3,049

 
357

 
16,381

 
529

 
0

 
20,316

Total
$
847,055

 
$
118,247

 
$
1,431,690

 
$
102,509

 
$
135,834

 
$
2,635,335


December 31, 2016
 
 
 
 
 
 
 
 
 
 
 
(in thousands)
Commercial and Industrial Other
 
Commercial and Industrial Agriculture
 
Commercial Real Estate Other
 
Commercial Real Estate Agriculture
 
Commercial Real Estate Construction
 
Total
Acquired loans
 
 
 
 
 
 
 
 
 
 
 
Internal risk grade:
 
 
 
 
 
 
 
 
 
 
 
Pass
$
77,921

 
$
0

 
$
229,334

 
$
267

 
$
8,936

 
$
316,458

Special Mention
0

 
0

 
526

 
0

 
0

 
526

Substandard
1,396

 
0

 
11,745

 
0

 
0

 
13,141

Total
$
79,317

 
$
0

 
$
241,605

 
$
267

 
$
8,936

 
$
330,125

December 31, 2015
 
 
 
 
 
 
 
 
 
 
 
(in thousands)
Commercial and Industrial Other
 
Commercial and Industrial Agriculture
 
Commercial Real Estate Other
 
Commercial Real Estate Agriculture
 
Commercial Real Estate Construction
 
Total
Originated loans and leases
 
 
 
 
 
 
 
 
Internal risk grade:
 
 
 
 
 
 
 
 
 
 
 
Pass
$
759,023

 
$
87,488

 
$
1,143,238

 
$
86,445

 
$
99,508

 
$
2,175,702

Special Mention
3,531

 
78

 
12,378

 
141

 
3,529

 
19,657

Substandard
5,470

 
733

 
11,634

 
349

 
0

 
18,186

Total
$
768,024

 
$
88,299

 
$
1,167,250

 
$
86,935

 
$
103,037

 
$
2,213,545

December 31, 2015
 
 
 
 
 
 
 
 
 
 
 
(in thousands)
Commercial and Industrial Other
 
Commercial and Industrial Agriculture
 
Commercial Real Estate Other
 
Commercial Real Estate Agriculture
 
Commercial Real Estate Construction
 
Total
Acquired loans
 
 
 
 
 
 
 
 
 
 
 
Internal risk grade:
 
 
 
 
 
 
 
 
 
 
 
Pass
$
82,662

 
$
0

 
$
271,584

 
$
423

 
$
4,533

 
$
359,202

Special Mention
0

 
0

 
540

 
0

 
0

 
540

Substandard
2,148

 
0

 
12,828

 
1,672

 
359

 
17,007

Total
$
84,810

 
$
0

 
$
284,952

 
$
2,095

 
$
4,892

 
$
376,749
Schedule of credit quality indicators by class of residential real estate and consumer loans
The following table presents credit quality indicators by class of residential real estate loans and by class of consumer loans as of December 31, 2016 and 2015. Nonperforming loans include nonaccrual, impaired and loans 90 days past due and accruing interest, all other loans are considered performing.
December 31, 2016
(in thousands)
Residential
Home Equity
 
Residential Mortgages
 
Consumer
Indirect
 
Consumer
Other
 
Total
Originated loans and leases
 
 
 
 
 
 
 
 
 
Performing
$
207,261

 
$
941,936

 
$
14,669

 
$
44,393

 
$
1,208,259

Nonperforming
2,016

 
5,442

 
166

 
0

 
7,624

Total
$
209,277

 
$
947,378

 
$
14,835

 
$
44,393

 
$
1,215,883

December 31, 2016
 
 
 
 
 
 
 
 
 
(in thousands)
Residential
Home Equity
 
Residential Mortgages
 
Consumer
Indirect
 
Consumer
Other
 
Total
Acquired Loans and Leases
 
 
 
 
 
 
 
 
 
Performing
$
37,074

 
$
24,483

 
$
0

 
$
826

 
$
62,383

Nonperforming
663

 
940

 
0

 
0

 
1,603

Total
$
37,737

 
$
25,423

 
$
0

 
$
826

 
$
63,986

December 31, 2015
 
 
 
 
 
 
 
 
 
(in thousands)
Residential
Home Equity
 
Residential Mortgages
 
Consumer
Indirect
 
Consumer
Other
 
Total
Originated loans and leases
 
 
 
 
 
 
 
 
 
Performing
$
200,647

 
$
817,952

 
$
17,722

 
$
40,829

 
$
1,077,150

Nonperforming
1,931

 
5,889

 
107

 
75

 
8,002

Total
$
202,578

 
$
823,841

 
$
17,829

 
$
40,904

 
$
1,085,152

December 31, 2015
(in thousands)
Residential
Home Equity
 
Residential Mortgages
 
Consumer
Indirect
 
Consumer
Other
 
Total
Acquired loans
 
 
 
 
 
 
 
 
 
Performing
$
41,380

 
$
26,102

 
$
0

 
$
911

 
$
68,393

Nonperforming
712

 
1,389

 
0

 
0

 
2,101

Total
$
42,092

 
$
27,491

 
$
0

 
$
911

 
$
70,494