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Allowance for Credit Losses (Tables) | 6 Months Ended
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Jun. 30, 2020
Receivables [Abstract] |
Schedule of allowance for loan and lease losses segregated by originated and acquired loan and lease portfolios and by portfolio segment |
Three Months Ended June 30, 2020 |  |  |  |  |  |  |  |  |  |  |
(In thousands) | Commercial & Industrial |  | Commercial Real Estate |  | Residential Real Estate |  | Consumer and Other |  | Finance Leases |  | Total
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 11,665 |  |  | $ | 22,446 |  |  | $ | 16,330 |  |  | $ | 1,883 |  |  | $ | 80 |  |  | $ | 52,404 |
Charge-offs | 0 |  |  | (15) |  |  | (1) |  |  | (127) |  |  | 0 |  |  | (143) |
Recoveries | 21 |  |  | 12 |  |  | 84 |  |  | 52 |  |  | 0 |  |  | 169 |
Provision (credit) for credit loss expense | (573) |  |  | 1,843 |  |  | (1,401) |  |  | (212) |  |  | (5) |  |  | (348) |
Ending Balance | $ | 11,113 |  |  | $ | 24,286 |  |  | $ | 15,012 |  |  | $ | 1,596 |  |  | $ | 75 |  |  | $ | 52,082 |
Three Months Ended June 30, 2019 |  |  |  |  |  |  |  |  |  |  |
(In thousands) | Commercial & Industrial |  | Commercial Real Estate |  | Residential Real Estate |  | Consumer and Other |  | Finance Leases |  | Total
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 11,523 |  |  | $ | 21,070 |  |  | $ | 6,462 |  |  | $ | 1,273 |  |  | $ | 0 |  |  | $ | 40,328 |
Charge-offs | (103) |  |  | (55) |  |  | (26) |  |  | (201) |  |  | 0 |  |  | (385) |
Recoveries | 23 |  |  | 98 |  |  | 71 |  |  | 54 |  |  | 0 |  |  | 246 |
Provision (credit) for credit loss expense | 100 |  |  | (108) |  |  | 390 |  |  | 219 |  |  | 0 |  |  | 601 |
Ending Balance | $ | 11,543 |  |  | $ | 21,005 |  |  | $ | 6,897 |  |  | $ | 1,345 |  |  | $ | 0 |  |  | $ | 40,790 |
Six Months Ended June 30, 2020 |  |  |  |  |  |  |  |  |  |  |
(In thousands) | Commercial & Industrial |  | Commercial Real Estate |  | Residential Real Estate |  | Consumer and Other |  | Finance Leases |  | Total
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |
Beginning balance, prior to adoption of ASC 326 | $ | 10,541 |  |  | $ | 21,608 |  |  | $ | 6,381 |  |  | $ | 1,362 |  |  | $ | 0 |  |  | $ | 39,892 |
Impact of adopting ASC 326 | (2,008) |  |  | (5,917) |  |  | 4,459 |  |  | 850 |  |  | 82 |  |  | (2,534) |
Charge-offs | (1) |  |  | (1,305) |  |  | (3) |  |  | (264) |  |  | 0 |  |  | (1,573) |
Recoveries | 37 |  |  | 30 |  |  | 163 |  |  | 121 |  |  | 0 |  |  | 351 |
Provision (credit) for credit loss expense | 2,544 |  |  | 9,870 |  |  | 4,012 |  |  | (473) |  |  | (7) |  |  | 15,946 |
Ending Balance | $ | 11,113 |  |  | $ | 24,286 |  |  | $ | 15,012 |  |  | $ | 1,596 |  |  | $ | 75 |  |  | $ | 52,082 |
Six Months Ended June 30, 2019 |  |  |  |  |  |  |  |  |  |  |
(In thousands) | Commercial & Industrial |  | Commercial Real Estate |  | Residential Real Estate |  | Consumer and Other |  | Finance Leases |  | Total
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 11,272 |  |  | $ | 23,483 |  |  | $ | 7,345 |  |  | $ | 1,310 |  |  | $ | 0 |  |  | $ | 43,410 |
Charge-offs | (483) |  |  | (3,398) |  |  | (44) |  |  | (381) |  |  | 0 |  |  | (4,306) |
Recoveries | 82 |  |  | 105 |  |  | 304 |  |  | 149 |  |  | 0 |  |  | 640 |
Provision (credit) for credit loss expense | 672 |  |  | 815 |  |  | (708) |  |  | 267 |  |  | 0 |  |  | 1,046 |
Ending Balance | $ | 11,543 |  |  | $ | 21,005 |  |  | $ | 6,897 |  |  | $ | 1,345 |  |  | $ | 0 |  |  | $ | 40,790 |
Schedule of allowance for loan and lease losses based on impairment methodology | The following tables present information pertaining to the allocation of the allowance for credit losses as of December 31, 2019, as determined in accordance with ASC 310, prior to the adoption of ASU 2016-13:
(In thousands) | Commercial & Industrial |  | Commercial Real Estate |  | Residential Real Estate |  | Consumer and Other |  | Finance Leases |  | Total
Allowance for originated loans and leases |  |  |  |  |  |  |  |  |  |  |
December 31, 2019 |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 245 |  |  | $ | 662 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 907 |
Collectively evaluated for impairment | 10,296 |  |  | 20,895 |  |  | 6,360 |  |  | 1,356 |  |  | 0 |  |  | 38,907 |
Ending balance | $ | 10,541 |  |  | $ | 21,557 |  |  | $ | 6,360 |  |  | $ | 1,356 |  |  | $ | 0 |  |  | $ | 39,814 |
(In thousands) | Commercial & Industrial |  | Commercial Real Estate |  | Residential Real Estate |  | Consumer and Other |  | Finance Leases |  | Total
Allowance for acquired loans |  |  |  |  |  |  |  |  |  |  |
December 31, 2019 |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |
Collectively evaluated for impairment | 0 |  |  | 51 |  |  | 21 |  |  | 6 |  |  | 0 |  |  | 78 |
Ending balance | $ | 0 |  |  | $ | 51 |  |  | $ | 21 |  |  | $ | 6 |  |  | $ | 0 |  |  | $ | 78 |
Schedule of recorded investment in loans and leases based on impairment methodology | The recorded investment in loans and leases summarized on the basis of the Company’s impairment methodology as of December 31, 2019 was as follows:
(In thousands) | Commercial & Industrial |  | Commercial Real Estate |  | Residential Real Estate |  | Consumer and Other |  | Finance Leases |  | Total
Originated loans and leases |  |  |  |  |  |  |  |  |  |  |
December 31, 2019 |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 2,110 |  |  | $ | 13,496 |  |  | $ | 3,779 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 19,385 |
Collectively evaluated for impairment | 966,875 |  |  | 2,283,152 |  |  | 1,340,687 |  |  | 73,625 |  |  | 17,322 |  |  | 4,681,661 |
Total | $ | 968,985 |  |  | $ | 2,296,648 |  |  | $ | 1,344,466 |  |  | $ | 73,625 |  |  | $ | 17,322 |  |  | $ | 4,701,046 |
(In thousands) | Commercial & Industrial |  | Commercial Real Estate |  | Residential Real Estate |  | Consumer and Other |  | Finance Leases |  | Total
Acquired loans |  |  |  |  |  |  |  |  |  |  |
December 31, 2019 |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 2 |  |  | $ | 714 |  |  | $ | 2,114 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 2,830 |
Loans acquired with deteriorated credit quality | 173 |  |  | 5,674 |  |  | 3,302 |  |  | 0 |  |  | 0 |  |  | 9,149 |
Collectively evaluated for impairment | 38,901 |  |  | 140,529 |  |  | 27,955 |  |  | 785 |  |  | 0 |  |  | 208,170 |
Total | $ | 39,076 |  |  | $ | 146,917 |  |  | $ | 33,371 |  |  | $ | 785 |  |  | $ | 0 |  |  | $ | 220,149 |
Schedule of average recorded investment and interest income on impaired loans | Impaired loans at December 31, 2019 were as follows:
| December 31, 2019 |  |  |  |
(In thousands) | Recorded Investment |  | Unpaid Principal Balance |  | Related Allowance
Originated loans and leases with no related allowance |  |  |  |  |
Commercial & industrial |  |  |  |  |
Commercial and industrial other | $ | 1,865 |  |  | $ | 1,965 |  |  | $ | 0 |
Commercial real estate |  |  |  |  |
Commercial real estate other | 10,205 |  |  | 11,017 |  |  | 0 |
Residential real estate |  |  |  |  |
Home equity | 3,779 |  |  | 3,992 |  |  | 0 |
Subtotal | $ | 15,849 |  |  | $ | 16,974 |  |  | $ | 0 |
Originated loans and leases with related allowance |  |  |  |  |
Commercial & industrial |  |  |  |  |
Commercial and industrial other | 245 |  |  | 245 |  |  | 245 |
Commercial real estate |  |  |  |  |
Commercial real estate other | 3,291 |  |  | 3,291 |  |  | 662 |
Subtotal | $ | 3,536 |  |  | $ | 3,536 |  |  | $ | 907 |
Total | $ | 19,385 |  |  | $ | 20,510 |  |  | $ | 907 |
| December 31, 2019 |  |  |  |
(In thousands) | Recorded Investment |  | Unpaid Principal Balance |  | Related Allowance
Acquired loans with no related allowance |  |  |  |  |
Commercial & industrial |  |  |  |  |
Commercial and industrial other | $ | 2 |  |  | $ | 2 |  |  | $ | 0 |
Commercial real estate |  |  |  |  |
Commercial real estate other | 714 |  |  | 714 |  |  | 0 |
Residential real estate |  |  |  |  |
Home equity | 2,114 |  |  | 2,217 |  |  | 0 |
Total | $ | 2,830 |  |  | $ | 2,933 |  |  | $ | 0 |
The following table presents average impaired loans, as determined in accordance with ASC 310, prior to the adoption of ASU 2016-13, and interest recognized on such loans, for the three months ended June 30, 2019:
| Three Months Ended June 30, 2019 |  |
(In thousands) | Average Recorded Investment |  | Interest Income Recognized
Originated loans and leases with no related allowance |  |  |
Commercial & industrial |  |  |
Commercial and industrial other | $ | 1,331 |  |  | $ | 0 |
Commercial real estate |  |  |
Commercial real estate other | 3,718 |  |  | 0 |
Residential real estate |  |  |
Home equity | 4,009 |  |  | 0 |
Subtotal | $ | 9,058 |  |  | $ | 0 |
Originated loans and leases with related allowance |  |  |
Commercial & industrial |  |  |
Commercial and industrial other | 693 |  |  | 0 |
Commercial real estate |  |  |
Commercial real estate other | 1,579 |  |  | 0 |
Subtotal | $ | 2,272 |  |  | $ | 0 |
Total | $ | 11,330 |  |  | $ | 0 |
| Three Months Ended June 30, 2019 |  |
(In thousands) | Average Recorded Investment |  | Interest Income Recognized
Acquired loans and leases with no related allowance |  |  |
Commercial & industrial |  |  |
Commercial and industrial other | $ | 12 |  |  | $ | 0 |
Commercial real estate |  |  |
Commercial real estate other | 851 |  |  | 0 |
Residential real estate |  |  |
Home equity | 2,557 |  |  | 0 |
Total | $ | 3,420 |  |  | $ | 0 |
The average recorded investment and interest income recognized on impaired loans for the six months ended June 30, 2020 and 2019 was as follows:
| Six Months Ended June 30, 2019 |  |
(In thousands) | Average Recorded Investment |  | Interest Income Recognized
Originated loans and leases with no related allowance |  |  |
Commercial & industrial |  |  |
Commercial and industrial other | $ | 2,352 |  |  | $ | 0 |
Commercial real estate |  |  |
Commercial real estate other | 5,400 |  |  | 0 |
Residential real estate |  |  |
Home equity | 3,994 |  |  | 0 |
Subtotal | $ | 11,746 |  |  | $ | 0 |
Originated loans and leases with related allowance |  |  |
Commercial & industrial |  |  |
Commercial and industrial other | 487 |  |  | 0 |
Commercial real estate |  |  |
Commercial real estate other | 706 |  |  | 0 |
Subtotal | $ | 1,193 |  |  | $ | 0 |
Total | $ | 12,939 |  |  | $ | 0 |
| Six Months Ended June 30, 2019 |  |
(In thousands) | Average Recorded Investment |  | Interest Income Recognized
Acquired loans and leases with no related allowance |  |  |
Commercial & industrial |  |  |
Commercial and industrial other | $ | 35 |  |  | $ | 0 |
Commercial real estate |  |  |
Commercial real estate other | 896 |  |  | 0 |
Residential real estate |  |  |
Home equity | 2,591 |  |  | 0 |
Total | $ | 3,522 |  |  | $ | 0 |
Schedule of loans modified in troubled debt restructuring | The following tables present information on loans modified in troubled debt restructuring during the periods indicated. There were no modifications on TDRs or defaulted TDRs in the second quarter of 2020.
| Three Months Ended |  |  |  |  |  |  |  |
June 30, 2019 |  |  |  |  |  |  | Defaulted TDRs2 |  |
(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 | 1 |  |  | 595 |  |  | 595 |  |  | 0 |  |  | 0 |
Total | 1 |  |  | $ | 595 |  |  | $ | 595 |  |  | 0 |  |  | $ | 0 |
1 Represents the following concessions: extension of term and reduction of rate. 2 TDRs that defaulted during the three months ended June 30, 2019 that were restructured in the prior twelve months.
| Six Months Ended |  |  |  |  |  |  |  |
June 30, 2020 |  |  |  |  |  |  | Defaulted TDRs2 |  |
(In thousands) | Number of Loans |  | Pre- Modification Outstanding Recorded Investment |  | Post- Modification Outstanding Recorded Investment |  | Number of Loans |  | Post- Modification Outstanding Recorded Investment
Commercial & industrial |  |  |  |  |  |  |  |  |
Commercial and industrial other1 | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | 0 |  |  | $ | 0 |
Commercial real estate |  |  |  |  |  |  |  |  |
Commercial real estate other1 | 0 |  |  | 0 |  |  | 0 |  |  | 1 |  |  | 37 |
Residential real estate |  |  |  |  |  |  |  |  |
Home equity1 | 2 |  |  | 121 |  |  | 121 |  |  | 1 |  |  | 87 |
Total | 2 |  |  | $ | 121 |  |  | $ | 121 |  |  | 2 |  |  | $ | 124 |
1 Represents the following concessions: extension of term and reduction of rate. 2 TDRs that defaulted during the six months ended June 30, 2020 that were restructured in the prior twelve months. .
| Six Months Ended |  |  |  |  |  |  |  |
June 30, 2019 |  |  |  |  |  |  | Defaulted TDRs2 |  |
(In thousands) | Number of Loans |  | Pre- Modification Outstanding Recorded Investment |  | Post- Modification Outstanding Recorded Investment |  | Number of Loans |  | Post- Modification Outstanding Recorded Investment
Commercial & industrial |  |  |  |  |  |  |  |  |
Commercial and industrial other | 1 |  |  | 595 |  |  | 595 |  |  | 0 |  |  | 0 |
Residential real estate |  |  |  |  |  |  |  |  |
Home equity1 | 1 |  |  | $ | 168 |  |  | $ | 168 |  |  | 0 |  |  | $ | 0 |
Total | 2 |  |  | $ | 763 |  |  | $ | 763 |  |  | 0 |  |  | $ | 0 |
1 Represents the following concessions: extension of term and reduction of rate. 2 TDRs that defaulted during the six months ended June 30, 2019 that had been restructured in the prior twelve months.
Schedule of credit quality indicators by class of commercial and industrial loans and commercial real estate loans | The following table presents credit quality indicators by total loans on an amortized cost basis by origination year as of June 30, 2020.
(In thousands) | 2020 | 2019 | 2018 | 2017 | 2016 | Prior | Revolving Loans Amortized Cost Basis | Revolving Loans Converted to Term | Total Loans
Commercial & Industrial - Other: |  |  |  |  |  |  |  |  |
Pass | $ | 52,554 |  | $ | 82,412 |  | $ | 67,418 |  | $ | 73,935 |  | $ | 42,652 |  | $ | 205,483 |  | $ | 308,949 |  | $ | 402 |  | $ | 833,805 |
Special Mention | 0 |  | 259 |  | 254 |  | 1,148 |  | 2,806 |  | 0 |  | 930 |  | 0 |  | 5,397 |
Substandard | 25 |  | 106 |  | 1,229 |  | 276 |  | 243 |  | 694 |  | 3,016 |  | 0 |  | 5,589 |
Total Commercial & Industrial - Other | $ | 52,579 |  | $ | 82,777 |  | $ | 68,901 |  | $ | 75,359 |  | $ | 45,701 |  | $ | 206,176 |  | $ | 312,895 |  | $ | 402 |  | $ | 844,791 |
Commercial and Industrial - PPP: |  |  |  |  |  |  |  |  |
Pass | $ | 465,627 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 465,627 |
Special Mention | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |
Substandard | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |
Total Commercial and Industrial - PPP | $ | 465,627 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 465,627 |
Commercial and Industrial - Agriculture: |  |  |  |  |  |  |  |  |
Pass | $ | 7,306 |  | $ | 10,485 |  | $ | 11,254 |  | $ | 6,487 |  | $ | 4,627 |  | $ | 2,632 |  | $ | 43,111 |  | $ | 0 |  | $ | 85,902 |
Special Mention | 0 |  | 79 |  | 119 |  | 58 |  | 0 |  | 0 |  | 388 |  | 0 |  | 644 |
Substandard | 100 |  | 100 |  | 0 |  | 1,008 |  | 0 |  | 0 |  | 5,994 |  | 0 |  | 7,202 |
Total Commercial and Industrial - Agriculture | $ | 7,406 |  | $ | 10,664 |  | $ | 11,373 |  | $ | 7,553 |  | $ | 4,627 |  | $ | 2,632 |  | $ | 49,493 |  | $ | 0 |  | $ | 93,748 |
Commercial Real Estate |  |  |  |  |  |  |  |  |
Pass | $ | 143,733 |  | $ | 246,737 |  | $ | 233,379 |  | $ | 261,009 |  | $ | 338,157 |  | $ | 215,469 |  | $ | 655,061 |  | $ | 1,975 |  | $ | 2,095,520 |
Special Mention | 0 |  | 0 |  | 6,836 |  | 2,400 |  | 11,251 |  | 587 |  | 8,986 |  | 0 |  | 30,060 |
Substandard | 0 |  | 1,700 |  | 761 |  | 3,612 |  | 496 |  | 2,166 |  | 20,136 |  | 0 |  | 28,871 |
Total Commercial Real Estate | $ | 143,733 |  | $ | 248,437 |  | $ | 240,976 |  | $ | 267,021 |  | $ | 349,904 |  | $ | 218,222 |  | $ | 684,183 |  | $ | 1,975 |  | $ | 2,154,451 |
Commercial Real Estate - Agriculture: |  |  |  |  |  |  |  |  |
Pass | $ | 9,186 |  | $ | 32,279 |  | $ | 42,572 |  | $ | 21,835 |  | $ | 17,537 |  | $ | 6,374 |  | $ | 51,488 |  | $ | 442 |  | $ | 181,713 |
Special Mention | 1,820 |  | 0 |  | 2,408 |  | 119 |  | 1,250 |  | 0 |  | 350 |  | 0 |  | 5,947 |
Substandard | 0 |  | 0 |  | 556 |  | 3,165 |  | 722 |  | 0 |  | 1,607 |  | 0 |  | 6,050 |
Total Commercial Real Estate - Agriculture | $ | 11,006 |  | $ | 32,279 |  | $ | 45,536 |  | $ | 25,119 |  | $ | 19,509 |  | $ | 6,374 |  | $ | 53,445 |  | $ | 442 |  | $ | 193,710 |
Commercial Real Estate - Construction |  |  |  |  |  |  |  |  |
Pass | $ | 7,653 |  | $ | 19,325 |  | $ | 9,494 |  | $ | 2,789 |  | $ | 2,099 |  | $ | 3,131 |  | $ | 145,422 |  | $ | 243 |  | $ | 190,156 |
Special Mention | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 2,693 |  | 0 |  | 2,693 |
Substandard | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 334 |  | 0 |  | 334 |
Total Commercial Real Estate - Construction | $ | 7,653 |  | $ | 19,325 |  | $ | 9,494 |  | $ | 2,789 |  | $ | 2,099 |  | $ | 3,131 |  | $ | 148,449 |  | $ | 243 |  | $ | 193,183 |
The following table presents credit quality indicators by total loans on an amortized cost basis by origination year as of June 30, 2020, continued.
(In thousands) | 2020 | 2019 | 2018 | 2017 | 2016 | Prior | Revolving Loans Amortized Cost Basis | Revolving Loans Converted to Term | Total Loans
Residential - Home Equity |  |  |  |  |  |  |  |  |
Performing | $ | 7,598 |  | $ | 27,843 |  | $ | 22,998 |  | $ | 24,222 |  | $ | 19,761 |  | $ | 19,765 |  | $ | 83,857 |  | $ | 822 |  | $ | 206,866 |
Nonperforming | 0 |  | 19 |  | 67 |  | 0 |  | 0 |  | 605 |  | 1,588 |  | 0 |  | 2,279 |
Total Residential - Home Equity | $ | 7,598 |  | $ | 27,862 |  | $ | 23,065 |  | $ | 24,222 |  | $ | 19,761 |  | $ | 20,370 |  | $ | 85,445 |  | $ | 822 |  | $ | 209,145 |
Residential - Mortgages |  |  |  |  |  |  |  |  |
Performing | $ | 137,037 |  | $ | 202,916 |  | $ | 137,996 |  | $ | 177,609 |  | $ | 201,718 |  | $ | 55,129 |  | $ | 276,952 |  | $ | 204 |  | $ | 1,189,561 |
Nonperforming | 0 |  | 265 |  | 406 |  | 371 |  | 1,126 |  | 1,369 |  | 5,739 |  | 0 |  | 9,276 |
Total Residential - Mortgages | $ | 137,037 |  | $ | 203,181 |  | $ | 138,402 |  | $ | 177,980 |  | $ | 202,844 |  | $ | 56,498 |  | $ | 282,691 |  | $ | 204 |  | $ | 1,198,837 |
Consumer - Direct |  |  |  |  |  |  |  |  |
Performing | $ | 7,891 |  | $ | 15,592 |  | $ | 9,977 |  | $ | 8,656 |  | $ | 4,589 |  | $ | 1,205 |  | $ | 14,232 |  | $ | 0 |  | $ | 62,142 |
Nonperforming | 0 |  | 61 |  | 133 |  | 4 |  | 0 |  | 0 |  | 5 |  | $ | 0 |  | 203 |
Total Consumer - Direct | $ | 7,891 |  | $ | 15,653 |  | $ | 10,110 |  | $ | 8,660 |  | $ | 4,589 |  | $ | 1,205 |  | $ | 14,237 |  | $ | 0 |  | $ | 62,345 |
Consumer - Indirect |  |  |  |  |  |  |  |  |
Performing | $ | 862 |  | $ | 2,676 |  | $ | 4,358 |  | $ | 1,694 |  | $ | 683 |  | $ | 121 |  | $ | 160 |  | $ | 0 |  | $ | 10,554 |
Nonperforming | 0 |  | 83 |  | 45 |  | 10 |  | 34 |  | 0 |  | 22 |  | 0 |  | 194 |
Total Consumer Indirect | $ | 862 |  | $ | 2,759 |  | $ | 4,403 |  | $ | 1,704 |  | $ | 717 |  | $ | 121 |  | $ | 182 |  | $ | 0 |  | $ | 10,748 |
The following tables present credit quality indicators (internal risk grade) by class of commercial and industrial loans and commercial real estate loans as of December 31, 2019.
December 31, 2019 |  |  |  |  |  |  |  |  |  |  |
(In thousands) | Commercial & Industrial Other |  | Commercial & Industrial Agriculture |  | Commercial Real Estate Other |  | Commercial Real Estate Agriculture |  | Commercial Real Estate Construction |  | Total
Originated Loans and Leases |  |  |  |  |  |  |  |  |  |  |
Internal risk grade: |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 851,517 |  |  | $ | 89,892 |  |  | $ | 1,857,142 |  |  | $ | 166,888 |  |  | $ | 212,302 |  |  | $ | 3,177,741 |
Special Mention | 8,306 |  |  | 1,698 |  |  | 16,623 |  |  | 3,173 |  |  | 0 |  |  | 29,800 |
Substandard | 3,376 |  |  | 14,196 |  |  | 25,880 |  |  | 14,640 |  |  | 0 |  |  | 58,092 |
Total | $ | 863,199 |  |  | $ | 105,786 |  |  | $ | 1,899,645 |  |  | $ | 184,701 |  |  | $ | 212,302 |  |  | $ | 3,265,633 |
December 31, 2019 |  |  |  |  |  |  |  |  |  |  |
(In thousands) | Commercial & Industrial Other |  | Commercial & Industrial Agriculture |  | Commercial Real Estate Other |  | Commercial Real Estate Agriculture |  | Commercial Real Estate Construction |  | Total
Acquired Loans and Leases |  |  |  |  |  |  |  |  |  |  |
Internal risk grade: |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 38,879 |  |  | $ | 0 |  |  | $ | 143,175 |  |  | $ | 197 |  |  | $ | 1,335 |  |  | $ | 183,586 |
Special Mention | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Substandard | 197 |  |  | 0 |  |  | 2,210 |  |  | 0 |  |  | 0 |  |  | 2,407 |
Total | $ | 39,076 |  |  | $ | 0 |  |  | $ | 145,385 |  |  | $ | 197 |  |  | $ | 1,335 |  |  | $ | 185,993 |
Schedule of credit quality indicators by class of residential real estate loans and consumer loans | The following tables present credit quality indicators by class of residential real estate loans and by class of consumer loans. Nonperforming loans include nonaccrual, impaired, and loans 90 days past due and accruing interest. All other loans are considered performing as of December 31, 2019. For purposes of this footnote, acquired loans that were recorded at fair value at the acquisition date and are 90 days or greater past due are considered performing.
December 31, 2019 |  |  |  |  |  |  |  |  |
(In thousands) | Residential Home Equity |  | Residential Mortgages |  | Consumer Indirect |  | Consumer Other |  | Total
Originated Loans and Leases |  |  |  |  |  |  |  |  |
Performing | $ | 201,970 |  |  | $ | 1,133,237 |  |  | $ | 12,847 |  |  | $ | 60,503 |  |  | $ | 1,408,557 |
Nonperforming | 1,924 |  |  | 7,335 |  |  | 117 |  |  | 158 |  |  | 9,534 |
Total | $ | 203,894 |  |  | $ | 1,140,572 |  |  | $ | 12,964 |  |  | $ | 60,661 |  |  | $ | 1,418,091 |
December 31, 2019 |  |  |  |  |  |  |  |  |
(In thousands) | Residential Home Equity |  | Residential Mortgages |  | Consumer Indirect |  | Consumer Other |  | Total
Acquired Loans and Leases |  |  |  |  |  |  |  |  |
Performing | $ | 14,479 |  |  | $ | 17,269 |  |  | $ | 0 |  |  | $ | 785 |  |  | $ | 32,533 |
Nonperforming | 872 |  |  | 751 |  |  | 0 |  |  | 0 |  |  | 1,623 |
Total | $ | 15,351 |  |  | $ | 18,020 |  |  | $ | 0 |  |  | $ | 785 |  |  | $ | 34,156 |

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- Definition Tabular disclosure of allowance for credit loss on financing receivable. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953423-111524 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 13 -URI http://asc.fasb.org/extlink&oid=119407570&loc=SL82919249-210447 + Details
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- Definition Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 5 -URI http://asc.fasb.org/extlink&oid=119407570&loc=SL82919230-210447 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 29 -URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953659-111524 + Details
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