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Loans (Tables) | 9 Months Ended
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Sep. 30, 2017
Receivables [Abstract] |
Schedule of Net Loans | Total net loans at September 30, 2017 and December 31, 2016 are summarized as follows:
|  | September 30, 2017 |  |  | December 31, 2016 |
Commercial, industrial, and agricultural |  | $ | 663,944 |  |  | $ | 567,800 |
Commercial mortgages |  |  | 656,130 |  |  |  | 574,826 |
Residential real estate |  |  | 697,059 |  |  |  | 652,883 |
Consumer |  |  | 78,264 |  |  |  | 74,816 |
Credit cards |  |  | 6,249 |  |  |  | 6,046 |
Overdrafts |  |  | 549 |  |  |  | 595 |
Less: unearned discount |  |  | (3,621 | ) |  |  | (3,430 | )
allowance for loan losses |  |  | (17,849 | ) |  |  | (16,330 | )
Loans, net |  | $ | 2,080,725 |  |  | $ | 1,857,206 |
Allowance for Loan Losses | Transactions in the allowance for loan losses for the three months ended September 30, 2017 were as follows:
|  | Commercial, |  |  |  |  |  | Residential |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Industrial, and |  |  | Commercial |  |  | Real |  |  |  |  |  | Credit |  |  |  |  |  |  |
|  | Agricultural |  |  | Mortgages |  |  | Estate |  |  | Consumer |  |  | Cards |  |  | Overdrafts |  |  | Total |
Allowance for loan losses, July 1, 2017 |  | $ | 5,563 |  |  | $ | 7,641 |  |  | $ | 1,670 |  |  | $ | 2,068 |  |  | $ | 142 |  |  | $ | 185 |  |  | $ | 17,269 |
Charge-offs |  |  | (20 | ) |  |  | (22 | ) |  |  | (130 | ) |  |  | (703 | ) |  |  | (39 | ) |  |  | (63 | ) |  |  | (977 | )
Recoveries |  |  | 36 |  |  |  | 3 |  |  |  | 0 |  |  |  | 96 |  |  |  | 8 |  |  |  | 14 |  |  |  | 157 |
Provision (benefit) for loan losses |  |  | (223 | ) |  |  | 472 |  |  |  | 468 |  |  |  | 627 |  |  |  | 0 |  |  |  | 56 |  |  |  | 1,400 |
Allowance for loan losses, September 30, 2017 |  | $ | 5,356 |  |  | $ | 8,094 |  |  | $ | 2,008 |  |  | $ | 2,088 |  |  | $ | 111 |  |  | $ | 192 |  |  | $ | 17,849 |
Transactions in the allowance for loan losses for the nine months ended September 30, 2017 were as follows:
|  | Commercial, |  |  |  |  |  | Residential |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Industrial, and |  |  | Commercial |  |  | Real |  |  |  |  |  | Credit |  |  |  |  |  |  |
|  | Agricultural |  |  | Mortgages |  |  | Estate |  |  | Consumer |  |  | Cards |  |  | Overdrafts |  |  | Total |
Allowance for loan losses, January 1, 2017 |  | $ | 5,428 |  |  | $ | 6,753 |  |  | $ | 1,653 |  |  | $ | 2,215 |  |  | $ | 93 |  |  | $ | 188 |  |  | $ | 16,330 |
Charge-offs |  |  | (50 | ) |  |  | (22 | ) |  |  | (328 | ) |  |  | (1,969 | ) |  |  | (111 | ) |  |  | (192 | ) |  |  | (2,672 | )
Recoveries |  |  | 167 |  |  |  | 197 |  |  |  | 73 |  |  |  | 110 |  |  |  | 23 |  |  |  | 71 |  |  |  | 641 |
Provision (benefit) for loan losses |  |  | (189 | ) |  |  | 1,166 |  |  |  | 610 |  |  |  | 1,732 |  |  |  | 106 |  |  |  | 125 |  |  |  | 3,550 |
Allowance for loan losses, September 30, 2017 |  | $ | 5,356 |  |  | $ | 8,094 |  |  | $ | 2,008 |  |  | $ | 2,088 |  |  | $ | 111 |  |  | $ | 192 |  |  | $ | 17,849 |
Transactions in the allowance for loan losses for the three months ended September 30, 2016 were as follows:
|  | Commercial, |  |  |  |  |  | Residential |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Industrial, and |  |  | Commercial |  |  | Real |  |  |  |  |  | Credit |  |  |  |  |  |  |
|  | Agricultural |  |  | Mortgages |  |  | Estate |  |  | Consumer |  |  | Cards |  |  | Overdrafts |  |  | Total |
Allowance for loan losses, July 1, 2016 |  | $ | 5,218 |  |  | $ | 6,207 |  |  | $ | 2,299 |  |  | $ | 2,066 |  |  | $ | 50 |  |  | $ | 148 |  |  | $ | 15,988 |
Charge-offs |  |  | (86 | ) |  |  | 0 |  |  |  | (95 | ) |  |  | (709 | ) |  |  | (17 | ) |  |  | (86 | ) |  |  | (993 | )
Recoveries |  |  | 37 |  |  |  | 2 |  |  |  | 10 |  |  |  | 20 |  |  |  | 3 |  |  |  | 14 |  |  |  | 86 |
Provision (benefit) for loan losses |  |  | (24 | ) |  |  | 27 |  |  |  | (65 | ) |  |  | 545 |  |  |  | 36 |  |  |  | 103 |  |  |  | 622 |
Allowance for loan losses, September 30, 2016 |  | $ | 5,145 |  |  | $ | 6,236 |  |  | $ | 2,149 |  |  | $ | 1,922 |  |  | $ | 72 |  |  | $ | 179 |  |  | $ | 15,703 |
Transactions in the allowance for loan losses for the nine months ended September 30, 2016 were as follows:
|  | Commercial, |  |  |  |  |  | Residential |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Industrial, and |  |  | Commercial |  |  | Real |  |  |  |  |  | Credit |  |  |  |  |  |  |
|  | Agricultural |  |  | Mortgages |  |  | Estate |  |  | Consumer |  |  | Cards |  |  | Overdrafts |  |  | Total |
Allowance for loan losses, January 1, 2016 |  | $ | 6,035 |  |  | $ | 5,605 |  |  | $ | 2,475 |  |  | $ | 2,371 |  |  | $ | 90 |  |  | $ | 161 |  |  | $ | 16,737 |
Charge-offs |  |  | (519 | ) |  |  | (20 | ) |  |  | (244 | ) |  |  | (2,397 | ) |  |  | (54 | ) |  |  | (167 | ) |  |  | (3,401 | )
Recoveries |  |  | 84 |  |  |  | 7 |  |  |  | 72 |  |  |  | 94 |  |  |  | 18 |  |  |  | 54 |  |  |  | 329 |
Provision (benefit) for loan losses |  |  | (455 | ) |  |  | 644 |  |  |  | (154 | ) |  |  | 1,854 |  |  |  | 18 |  |  |  | 131 |  |  |  | 2,038 |
Allowance for loan losses, September 30, 2016 |  | $ | 5,145 |  |  | $ | 6,236 |  |  | $ | 2,149 |  |  | $ | 1,922 |  |  | $ | 72 |  |  | $ | 179 |  |  | $ | 15,703 |
Allowance for Loan Losses and Recorded Investment in Loans by Portfolio Segment | The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and is based on the Corporation’s impairment method as of September 30, 2017 and December 31, 2016. The recorded investment in loans excludes accrued interest and unearned discounts due to their insignificance. September 30, 2017
|  | Commercial, Industrial, and Agricultural |  |  | Commercial Mortgages |  |  | Residential Real Estate |  |  | Consumer |  |  | Credit Cards |  |  | Overdrafts |  |  | Total |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending allowance balance attributable to loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |
Collectively evaluated for impairment |  |  | 5,236 |  |  |  | 4,186 |  |  |  | 2,008 |  |  |  | 2,088 |  |  |  | 111 |  |  |  | 192 |  |  |  | 13,821 |
Acquired with deteriorated credit quality |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Modified in a troubled debt restructuring |  |  | 120 |  |  |  | 3,908 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 4,028 |
Total ending allowance balance |  | $ | 5,356 |  |  | $ | 8,094 |  |  | $ | 2,008 |  |  | $ | 2,088 |  |  | $ | 111 |  |  | $ | 192 |  |  | $ | 17,849 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 602 |  |  | $ | 51 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 653 |
Collectively evaluated for impairment |  |  | 660,461 |  |  |  | 639,965 |  |  |  | 697,059 |  |  |  | 78,264 |  |  |  | 6,249 |  |  |  | 549 |  |  |  | 2,082,547 |
Acquired with deteriorated credit quality |  |  | 0 |  |  |  | 1,487 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 1,487 |
Modified in a troubled debt restructuring |  |  | 2,881 |  |  |  | 14,627 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 17,508 |
Total ending loans balance |  | $ | 663,944 |  |  | $ | 656,130 |  |  | $ | 697,059 |  |  | $ | 78,264 |  |  | $ | 6,249 |  |  | $ | 549 |  |  | $ | 2,102,195 |
December 31, 2016
|  | Commercial, Industrial, and Agricultural |  |  | Commercial Mortgages |  |  | Residential Real Estate |  |  | Consumer |  |  | Credit Cards |  |  | Overdrafts |  |  | Total |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending allowance balance attributable to loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 188 |  |  | $ | 996 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 1,184 |
Collectively evaluated for impairment |  |  | 5,115 |  |  |  | 3,543 |  |  |  | 1,653 |  |  |  | 2,215 |  |  |  | 93 |  |  |  | 188 |  |  |  | 12,807 |
Acquired with deteriorated credit quality |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Modified in a troubled debt restructuring |  |  | 125 |  |  |  | 2,214 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 2,339 |
Total ending allowance balance |  | $ | 5,428 |  |  | $ | 6,753 |  |  | $ | 1,653 |  |  | $ | 2,215 |  |  | $ | 93 |  |  | $ | 188 |  |  | $ | 16,330 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 775 |  |  | $ | 6,176 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 6,951 |
Collectively evaluated for impairment |  |  | 564,180 |  |  |  | 557,932 |  |  |  | 652,883 |  |  |  | 74,816 |  |  |  | 6,046 |  |  |  | 595 |  |  |  | 1,856,452 |
Acquired with deteriorated credit quality |  |  | 205 |  |  |  | 1,527 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 1,732 |
Modified in a troubled debt restructuring |  |  | 2,640 |  |  |  | 9,191 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 11,831 |
Total ending loans balance |  | $ | 567,800 |  |  | $ | 574,826 |  |  | $ | 652,883 |  |  | $ | 74,816 |  |  | $ | 6,046 |  |  | $ | 595 |  |  | $ | 1,876,966 |
Loans Individually Evaluated for Impairment Including Loans Modified in Troubled Debt Restructurings by Portfolio Segment | The following tables present information related to loans individually evaluated for impairment, including loans modified in troubled debt restructurings, by portfolio segment as of September 30, 2017 and December 31, 2016 and for the three and nine months ended September 30, 2017 and 2016: September 30, 2017
|  | Unpaid Principal Balance |  |  | Recorded Investment |  |  | Allowance for Loan Losses Allocated |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial, industrial, and agricultural |  | $ | 1,212 |  |  | $ | 1,213 |  |  | $ | 120 |
Commercial mortgage |  |  | 9,995 |  |  |  | 9,611 |  |  |  | 3,908 |
Residential real estate |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial, industrial, and agricultural |  |  | 3,089 |  |  |  | 2,270 |  |  |  | 0 |
Commercial mortgage |  |  | 5,836 |  |  |  | 5,067 |  |  |  | 0 |
Residential real estate |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total |  | $ | 20,132 |  |  | $ | 18,161 |  |  | $ | 4,028 |
December 31, 2016
|  | Unpaid Principal Balance |  |  | Recorded Investment |  |  | Allowance for Loan Losses Allocated |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial, industrial, and agricultural |  | $ | 1,644 |  |  | $ | 1,644 |  |  | $ | 313 |
Commercial mortgage |  |  | 16,200 |  |  |  | 15,367 |  |  |  | 3,210 |
Residential real estate |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial, industrial, and agricultural |  |  | 2,669 |  |  |  | 1,771 |  |  |  | 0 |
Commercial mortgage |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Residential real estate |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total |  | $ | 20,513 |  |  | $ | 18,782 |  |  | $ | 3,523 |
Impaired Financing Receivables with Related and not Related Allowances | The unpaid principal balance of impaired loans includes the Corporation’s recorded investment in the loan and amounts that have been charged off.
|  | Three Months Ended September 30, 2017 |  |  | Three Months Ended September 30, 2016 |
|  | Average |  |  | Interest |  |  | Cash Basis |  |  | Average |  |  | Interest |  |  | Cash Basis |
|  | Recorded |  |  | Income |  |  | Interest |  |  | Recorded |  |  | Income |  |  | Interest |
|  | Investment |  |  | Recognized |  |  | Recognized |  |  | Investment |  |  | Recognized |  |  | Recognized |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, industrial, and agricultural |  | $ | 1,190 |  |  | $ | 20 |  |  | $ | 20 |  |  | $ | 2,340 |  |  | $ | 34 |  |  | $ | 34 |
Commercial mortgage |  |  | 9,724 |  |  |  | 77 |  |  |  | 77 |  |  |  | 7,253 |  |  |  | 57 |  |  |  | 57 |
Residential real estate |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, industrial, and agricultural |  |  | 2,142 |  |  |  | 23 |  |  |  | 23 |  |  |  | 2,148 |  |  |  | 24 |  |  |  | 24 |
Commercial mortgage |  |  | 4,981 |  |  |  | 33 |  |  |  | 33 |  |  |  | 2,214 |  |  |  | 17 |  |  |  | 17 |
Residential real estate |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total |  | $ | 18,037 |  |  | $ | 153 |  |  | $ | 153 |  |  | $ | 13,955 |  |  | $ | 132 |  |  | $ | 132 |
|  | Nine Months Ended September 30, 2017 |  |  | Nine Months Ended September 30, 2016 |
|  | Average |  |  | Interest |  |  | Cash Basis |  |  | Average |  |  | Interest |  |  | Cash Basis |
|  | Recorded |  |  | Income |  |  | Interest |  |  | Recorded |  |  | Income |  |  | Interest |
|  | Investment |  |  | Recognized |  |  | Recognized |  |  | Investment |  |  | Recognized |  |  | Recognized |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, industrial, and agricultural |  | $ | 1,413 |  |  | $ | 56 |  |  | $ | 56 |  |  | $ | 2,859 |  |  | $ | 36 |  |  | $ | 36 |
Commercial mortgage |  |  | 12,497 |  |  |  | 293 |  |  |  | 293 |  |  |  | 6,331 |  |  |  | 61 |  |  |  | 61 |
Residential real estate |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 83 |  |  |  | 6 |  |  |  | 6 |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, industrial, and agricultural |  |  | 1,927 |  |  |  | 73 |  |  |  | 73 |  |  |  | 2,420 |  |  |  | 26 |  |  |  | 26 |
Commercial mortgage |  |  | 2,490 |  |  |  | 100 |  |  |  | 100 |  |  |  | 3,467 |  |  |  | 20 |  |  |  | 20 |
Residential real estate |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total |  | $ | 18,327 |  |  | $ | 522 |  |  | $ | 522 |  |  | $ | 15,160 |  |  | $ | 149 |  |  | $ | 149 |
Nonaccrual Loans and Loans Past Due over 90 Days Still Accruing Interest by Class of Loans | The following table presents the recorded investment in nonaccrual loans and loans past due over 90 days still accruing interest by class of loans as of September 30, 2017 and December 31, 2016:
|  | September 30, 2017 |  |  | December 31, 2016 |
|  | Nonaccrual |  |  | Past Due Over 90 Days Still on Accrual |  |  | Nonaccrual |  |  | Past Due Over 90 Days Still on Accrual |
Commercial, industrial, and agricultural |  | $ | 1,885 |  |  | $ | 408 |  |  | $ | 2,734 |  |  | $ | 0 |
Commercial mortgages |  |  | 11,526 |  |  |  | 0 |  |  |  | 5,996 |  |  |  | 0 |
Residential real estate |  |  | 5,663 |  |  |  | 163 |  |  |  | 5,600 |  |  |  | 0 |
Consumer |  |  | 712 |  |  |  | 0 |  |  |  | 999 |  |  |  | 0 |
Credit cards |  |  | 0 |  |  |  | 21 |  |  |  | 0 |  |  |  | 10 |
Total |  | $ | 19,786 |  |  | $ | 592 |  |  | $ | 15,329 |  |  | $ | 10 |
Aging of Recorded Investment in Past Due Loans | The following table presents the aging of the recorded investment in past due loans as of September 30, 2017 and December 31, 2016 by class of loans. September 30, 2017
|  | 30-59 Days Past Due |  |  | 60-89 Days Past Due |  |  | Greater Than 89 Days Past Due |  |  | Total Past Due |  |  | Loans Not Past Due |  |  | Total |
Commercial, industrial, and agricultural |  | $ | 1,827 |  |  | $ | 486 |  |  | $ | 947 |  |  | $ | 3,260 |  |  | $ | 660,684 |  |  | $ | 663,944 |
Commercial mortgages |  |  | 0 |  |  |  | 40 |  |  |  | 704 |  |  |  | 744 |  |  |  | 655,386 |  |  |  | 656,130 |
Residential real estate |  |  | 1,688 |  |  |  | 1,932 |  |  |  | 4,647 |  |  |  | 8,267 |  |  |  | 688,792 |  |  |  | 697,059 |
Consumer |  |  | 484 |  |  |  | 305 |  |  |  | 677 |  |  |  | 1,466 |  |  |  | 76,798 |  |  |  | 78,264 |
Credit cards |  |  | 63 |  |  |  | 36 |  |  |  | 21 |  |  |  | 120 |  |  |  | 6,129 |  |  |  | 6,249 |
Overdrafts |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 549 |  |  |  | 549 |
Total |  | $ | 4,062 |  |  | $ | 2,799 |  |  | $ | 6,996 |  |  | $ | 13,857 |  |  | $ | 2,088,338 |  |  | $ | 2,102,195 |
December 31, 2016
|  | 30-59 Days Past Due |  |  | 60-89 Days Past Due |  |  | Greater Than 89 Days Past Due |  |  | Total Past Due |  |  | Loans Not Past Due |  |  | Total |
Commercial, industrial, and agricultural |  | $ | 1,558 |  |  | $ | 299 |  |  | $ | 1,294 |  |  | $ | 3,151 |  |  | $ | 564,649 |  |  | $ | 567,800 |
Commercial mortgages |  |  | 559 |  |  |  | 0 |  |  |  | 1,516 |  |  |  | 2,075 |  |  |  | 572,751 |  |  |  | 574,826 |
Residential real estate |  |  | 2,155 |  |  |  | 737 |  |  |  | 3,710 |  |  |  | 6,602 |  |  |  | 646,281 |  |  |  | 652,883 |
Consumer |  |  | 648 |  |  |  | 890 |  |  |  | 974 |  |  |  | 2,512 |  |  |  | 72,304 |  |  |  | 74,816 |
Credit cards |  |  | 105 |  |  |  | 0 |  |  |  | 10 |  |  |  | 115 |  |  |  | 5,931 |  |  |  | 6,046 |
Overdrafts |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 595 |  |  |  | 595 |
Total |  | $ | 5,025 |  |  | $ | 1,926 |  |  | $ | 7,504 |  |  | $ | 14,455 |  |  | $ | 1,862,511 |  |  | $ | 1,876,966 |
Restructured in Troubled Debt | The following table presents the number of loans, loan balances, and specific reserves for loans that have been restructured in a troubled debt restructuring as of September 30, 2017 and December 31, 2016.
|  | September 30, 2017 |  |  | December 31, 2016 |
|  | Number of Loans |  |  | Loan Balance |  |  | Specific Reserve |  |  | Number of Loans |  |  | Loan Balance |  |  | Specific Reserve |
Commercial, industrial, and agricultural |  |  | 8 |  |  | $ | 2,881 |  |  | $ | 120 |  |  |  | 7 |  |  | $ | 2,640 |  |  | $ | 125 |
Commercial mortgages |  |  | 10 |  |  |  | 14,627 |  |  |  | 3,908 |  |  |  | 8 |  |  |  | 9,191 |  |  |  | 2,214 |
Residential real estate |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Consumer |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Credit cards |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total |  |  | 18 |  |  | $ | 17,508 |  |  | $ | 4,028 |  |  |  | 15 |  |  | $ | 11,831 |  |  | $ | 2,339 |
Loans by Class Modified as Troubled Debt Restructurings | The following tables present loans by class modified as troubled debt restructurings that occurred during the nine months ended September 30, 2017.
|  | Nine Months Ended September 30, 2017 |
|  | Number of Loans |  |  | Pre-Modification Outstanding Recorded Investment |  |  | Post-Modification Outstanding Recorded Investment |
Commercial, industrial, and agricultural |  |  | 2 |  |  | $ | 324 |  |  | $ | 379 |
Commercial mortgages |  |  | 2 |  |  |  | 6,227 |  |  |  | 6,276 |
Residential real estate |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Consumer |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Credit cards |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total |  |  | 4 |  |  | $ | 6,551 |  |  | $ | 6,655 |
Schedule of Loan Assigned Risk Rating within 12 Months of Balance Sheet Date | All loans included in the following tables have been assigned a risk rating within 12 months of the balance sheet date. September 30, 2017
|  | Pass |  |  | Special Mention |  |  | Substandard |  |  | Doubtful |  |  | Total |
Commercial, industrial, and agricultural |  | $ | 631,550 |  |  | $ | 9,312 |  |  | $ | 23,082 |  |  | $ | 0 |  |  | $ | 663,944 |
Commercial mortgages |  |  | 636,522 |  |  |  | 3,129 |  |  |  | 16,479 |  |  |  | 0 |  |  |  | 656,130 |
Total |  | $ | 1,268,072 |  |  | $ | 12,441 |  |  | $ | 39,561 |  |  | $ | 0 |  |  | $ | 1,320,074 |
December 31, 2016
|  | Pass |  |  | Special Mention |  |  | Substandard |  |  | Doubtful |  |  | Total |
Commercial, industrial, and agricultural |  | $ | 531,320 |  |  | $ | 14,638 |  |  | $ | 21,831 |  |  | $ | 11 |  |  | $ | 567,800 |
Commercial mortgages |  |  | 551,474 |  |  |  | 1,809 |  |  |  | 21,543 |  |  |  | 0 |  |  |  | 574,826 |
Total |  | $ | 1,082,794 |  |  | $ | 16,447 |  |  | $ | 43,374 |  |  | $ | 11 |  |  | $ | 1,142,626 |
Recorded Investment in Residential, Consumer and Credit Card Loans Based on Payment Activity | The following table presents the recorded investment in residential, consumer, and credit card loans based on payment activity as of September 30, 2017 and December 31, 2016:
|  | September 30, 2017 |  |  | December 31, 2016 |
|  | Residential |  |  |  |  |  | Credit |  |  | Residential |  |  |  |  |  | Credit |
|  | Real Estate |  |  | Consumer |  |  | Cards |  |  | Real Estate |  |  | Consumer |  |  | Cards |
Performing |  | $ | 691,233 |  |  | $ | 77,552 |  |  | $ | 6,228 |  |  | $ | 647,283 |  |  | $ | 73,817 |  |  | $ | 6,036 |
Nonperforming |  |  | 5,826 |  |  |  | 712 |  |  |  | 21 |  |  |  | 5,600 |  |  |  | 999 |  |  |  | 10 |
Total |  | $ | 697,059 |  |  | $ | 78,264 |  |  | $ | 6,249 |  |  | $ | 652,883 |  |  | $ | 74,816 |  |  | $ | 6,046 |
Summary of Holiday's Loan Portfolio | Holiday’s loan portfolio is summarized as follows at September 30, 2017 and December 31, 2016:
|  | September 30, |  |  | December 31, |
|  | 2017 |  |  | 2016 |
Consumer |  | $ | 22,393 |  |  | $ | 24,026 |
Residential real estate |  |  | 0 |  |  |  | 1,209 |
Less: unearned discount |  |  | (3,621 | ) |  |  | (3,430 | )
Total |  | $ | 18,772 |  |  | $ | 21,805 |

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