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LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables) | 9 Months Ended
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Sep. 30, 2016
Loans and Leases Receivable Disclosure [Abstract] |
Composition of the loan portfolio by type | The composition of the loan portfolio, net of deferred origination fees and costs, is summarized as follows (in thousands):
|  | September 30, 2016 |  | December 31, 2015
Commercial and agricultural: |  |  |  |
Commercial and industrial |  | $ | 183,508 |  |  | $ | 192,197 |
Agricultural |  | 406 |  |  | 1,036 |
Commercial mortgages: |  |  |  |  |  |
Construction |  | 35,051 |  |  | 41,131 |
Commercial mortgages, other |  | 540,710 |  |  | 465,347 |
Residential mortgages |  | 197,665 |  |  | 195,778 |
Consumer loans: |  |  |  |  |  |
Credit cards |  | 1,352 |  |  | 1,483 |
Home equity lines and loans |  | 98,378 |  |  | 101,726 |
Indirect consumer loans |  | 141,489 |  |  | 151,327 |
Direct consumer loans |  | 18,007 |  |  | 18,608 |
Total loans, net of deferred origination fees and costs |  | $ | 1,216,566 |  |  | $ | 1,168,633 |
Interest receivable on loans |  | 2,912 |  |  | 2,870 |
Total recorded investment in loans |  | $ | 1,219,478 |  |  | $ | 1,171,503 |
Allowance for loan losses by portfolio segment | The following tables present the activity in the allowance for loan losses by portfolio segment for the three and nine month periods ended September 30, 2016 and 2015 (in thousands):
| Three Months Ended September 30, 2016
Allowance for loan losses | Commercial and Agricultural |  | Commercial Mortgages |  | Residential Mortgages |  | Consumer Loans |  | Total
Beginning balance | $ | 1,771 |  |  | $ | 7,754 |  |  | $ | 1,504 |  |  | $ | 3,639 |  |  | $ | 14,668 |
Charge-offs | (104 | ) |  | (52 | ) |  | (7 | ) |  | (280 | ) |  | (443 | )
Recoveries | 15 |  |  | 1 |  |  | — |  |  | 34 |  |  | 50 |
Net recoveries (charge-offs) | (89 | ) |  | (51 | ) |  | (7 | ) |  | (246 | ) |  | (393 | )
Provision | 101 |  |  | 520 |  |  | 50 |  |  | 379 |  |  | 1,050 |
Ending balance | $ | 1,783 |  |  | $ | 8,223 |  |  | $ | 1,547 |  |  | $ | 3,772 |  |  | $ | 15,325 |
| Three Months Ended September 30, 2015
Allowance for loan losses | Commercial and Agricultural |  | Commercial Mortgages |  | Residential Mortgages |  | Consumer Loans |  | Total
Beginning balance | $ | 1,825 |  |  | $ | 6,625 |  |  | $ | 1,545 |  |  | $ | 4,033 |  |  | $ | 14,028 |
Charge-offs | (113 | ) |  | (1 | ) |  | — |  |  | (304 | ) |  | (418 | )
Recoveries | 26 |  |  | 17 |  |  | — |  |  | 62 |  |  | 105 |
Net recoveries (charge-offs) | (87 | ) |  | 16 |  |  | — |  |  | (242 | ) |  | (313 | )
Provision | (162 | ) |  | 326 |  |  | 7 |  |  | 136 |  |  | 307 |
Ending balance | $ | 1,576 |  |  | $ | 6,967 |  |  | $ | 1,552 |  |  | $ | 3,927 |  |  | $ | 14,022 |
| Nine Months Ended September 30, 2016
Allowance for loan losses | Commercial and Agricultural |  | Commercial Mortgages |  | Residential Mortgages |  | Consumer Loans |  | Total
Beginning balance: | $ | 1,831 |  |  | $ | 7,112 |  |  | $ | 1,464 |  |  | $ | 3,853 |  |  | $ | 14,260 |
Charge-offs: | (121 | ) |  | (52 | ) |  | (65 | ) |  | (995 | ) |  | (1,233 | )
Recoveries: | 65 |  |  | 10 |  |  | — |  |  | 190 |  |  | 265 |
Net recoveries (charge-offs) | (56 | ) |  | (42 | ) |  | (65 | ) |  | (805 | ) |  | (968 | )
Provision | 8 |  |  | 1,153 |  |  | 148 |  |  | 724 |  |  | 2,033 |
Ending balance | $ | 1,783 |  |  | $ | 8,223 |  |  | $ | 1,547 |  |  | $ | 3,772 |  |  | $ | 15,325 |
| Nine Months Ended September 30, 2015
Allowance for loan losses | Commercial and Agricultural |  | Commercial Mortgages |  | Residential Mortgages |  | Consumer Loans |  | Total
Beginning balance: | $ | 1,460 |  |  | $ | 6,326 |  |  | $ | 1,572 |  |  | $ | 4,328 |  |  | $ | 13,686 |
Charge-offs: | (113 | ) |  | (29 | ) |  | (32 | ) |  | (917 | ) |  | (1,091 | )
Recoveries: | 64 |  |  | 101 |  |  | — |  |  | 306 |  |  | 471 |
Net recoveries (charge-offs) | (49 | ) |  | 72 |  |  | (32 | ) |  | (611 | ) |  | (620 | )
Provision | 165 |  |  | 569 |  |  | 12 |  |  | 210 |  |  | 956 |
Ending balance | $ | 1,576 |  |  | $ | 6,967 |  |  | $ | 1,552 |  |  | $ | 3,927 |  |  | $ | 14,022 |
Allowance for loan losses and the recorded investment in loans based on impairment method | The following tables present the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of September 30, 2016 and December 31, 2015 (in thousands):
| September 30, 2016
Allowance for loan losses: | Commercial and Agricultural |  | Commercial Mortgages |  | Residential Mortgages |  | Consumer Loans |  | Total
Ending allowance balance attributable to loans: |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 100 |  |  | $ | 1,748 |  |  | $ | — |  |  | $ | 141 |  |  | $ | 1,989 |
Collectively evaluated for impairment | 1,683 |  |  | 6,416 |  |  | 1,522 |  |  | 3,631 |  |  | 13,252 |
Loans acquired with deteriorated credit quality | — |  |  | 59 |  |  | 25 |  |  | — |  |  | 84 |
Total ending allowance balance | $ | 1,783 |  |  | $ | 8,223 |  |  | $ | 1,547 |  |  | $ | 3,772 |  |  | $ | 15,325 |
| December 31, 2015
Allowance for loan losses: | Commercial and Agricultural |  | Commercial Mortgages |  | Residential Mortgages |  | Consumer Loans |  | Total
Ending allowance balance attributable to loans: |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 8 |  |  | $ | 1,481 |  |  | $ | — |  |  | $ | 77 |  |  | $ | 1,566 |
Collectively evaluated for impairment | 1,823 |  |  | 5,572 |  |  | 1,424 |  |  | 3,776 |  |  | 12,595 |
Loans acquired with deteriorated credit quality | — |  |  | 59 |  |  | 40 |  |  | — |  |  | 99 |
Total ending allowance balance | $ | 1,831 |  |  | $ | 7,112 |  |  | $ | 1,464 |  |  | $ | 3,853 |  |  | $ | 14,260 |
| September 30, 2016
Loans: | Commercial and Agricultural |  | Commercial Mortgages |  | Residential Mortgages |  | Consumer Loans |  | Total
Loans individually evaluated for impairment | $ | 846 |  |  | $ | 11,542 |  |  | $ | 399 |  |  | $ | 458 |  |  | $ | 13,245 |
Loans collectively evaluated for impairment | 183,502 |  |  | 563,833 |  |  | 197,648 |  |  | 259,412 |  |  | 1,204,395 |
Loans acquired with deteriorated credit quality | — |  |  | 1,743 |  |  | 95 |  |  | — |  |  | 1,838 |
Total ending loans balance | $ | 184,348 |  |  | $ | 577,118 |  |  | $ | 198,142 |  |  | $ | 259,870 |  |  | $ | 1,219,478 |
| December 31, 2015
Loans: | Commercial and Agricultural |  | Commercial Mortgages |  | Residential Mortgages |  | Consumer Loans |  | Total
Loans individually evaluated for impairment | $ | 1,498 |  |  | $ | 12,773 |  |  | $ | 235 |  |  | $ | 474 |  |  | $ | 14,980 |
Loans collectively evaluated for impairment | 192,202 |  |  | 493,102 |  |  | 195,731 |  |  | 273,393 |  |  | 1,154,428 |
Loans acquired with deteriorated credit quality | — |  |  | 1,825 |  |  | 270 |  |  | — |  |  | 2,095 |
Total ending loans balance | $ | 193,700 |  |  | $ | 507,700 |  |  | $ | 196,236 |  |  | $ | 273,867 |  |  | $ | 1,171,503 |
Summary of impaired financing receivables | The following table presents loans individually evaluated for impairment recognized by class of loans as of September 30, 2016 and December 31, 2015 (in thousands):
| September 30, 2016 |  | December 31, 2015
With no related allowance recorded: | Unpaid Principal Balance |  | Recorded Investment |  | Allowance for Loan Losses Allocated |  | Unpaid Principal Balance |  | Recorded Investment |  | Allowance for Loan Losses Allocated
Commercial and agricultural: |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | 740 |  |  | $ | 746 |  |  | $ | — |  |  | $ | 1,487 |  |  | $ | 1,489 |  |  | $ | — |
Commercial mortgages: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction | 285 |  |  | 286 |  |  | — |  |  | 349 |  |  | 350 |  |  | — |
Commercial mortgages, other | 5,963 |  |  | 5,996 |  |  | — |  |  | 7,551 |  |  | 7,577 |  |  | — |
Residential mortgages | 399 |  |  | 399 |  |  | — |  |  | 234 |  |  | 235 |  |  | — |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines and loans | 97 |  |  | 98 |  |  | — |  |  | 107 |  |  | 108 |  |  | — |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and agricultural: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | 100 |  |  | 100 |  |  | 100 |  |  | 9 |  |  | 9 |  |  | 8 |
Commercial mortgages: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial mortgages, other | 5,327 |  |  | 5,260 |  |  | 1,748 |  |  | 4,913 |  |  | 4,846 |  |  | 1,481 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines and loans | 360 |  |  | 360 |  |  | 141 |  |  | 364 |  |  | 366 |  |  | 77 |
Total | $ | 13,271 |  |  | $ | 13,245 |  |  | $ | 1,989 |  |  | $ | 15,014 |  |  | $ | 14,980 |  |  | $ | 1,566 |
The following table presents the average recorded investment and interest income of loans individually evaluated for impairment recognized by class of loans as of the three and nine month periods ended September 30, 2016 and 2015 (in thousands):
|  | Three Months Ended September 30, 2016 |  | Three Months Ended September 30, 2015 |  | Nine Months Ended September 30, 2016 |  | Nine Months Ended September 30, 2015
With no related allowance recorded: |  | Average Recorded Investment |  | Interest Income Recognized (1) |  | Average Recorded Investment |  | Interest Income Recognized (1) |  | Average Recorded Investment |  | Interest Income Recognized (1) |  | Average Recorded Investment |  | Interest Income Recognized (1)
Commercial and agricultural: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 900 |  |  | $ | 10 |  |  | $ | 1,133 |  |  | $ | 15 |  |  | $ | 1,083 |  |  | $ | 33 |  |  | $ | 1,325 |  |  | $ | 47 |
Commercial mortgages: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | 310 |  |  | 4 |  |  | 402 |  |  | 4 |  |  | 329 |  |  | 11 |  |  | 1,153 |  |  | 33 |
Commercial mortgages, other |  | 6,124 |  |  | 60 |  |  | 7,556 |  |  | 70 |  |  | 6,760 |  |  | 181 |  |  | 7,765 |  |  | 196 |
Residential mortgages |  | 443 |  |  | 2 |  |  | 241 |  |  | 1 |  |  | 358 |  |  | 3 |  |  | 246 |  |  | 3 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines & loans |  | 101 |  |  | 1 |  |  | 479 |  |  | 6 |  |  | 104 |  |  | 4 |  |  | 468 |  |  | 18 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and agricultural: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | 45 |  |  | 1 |  |  | 165 |  |  | — |  |  | 29 |  |  | 4 |  |  | 180 |  |  | 3 |
Commercial mortgages: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial mortgages, other |  | 5,151 |  |  | 1 |  |  | 4,975 |  |  | 1 |  |  | 4,998 |  |  | 4 |  |  | 4,418 |  |  | 48 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines and loans |  | 360 |  |  | — |  |  | — |  |  | — |  |  | 362 |  |  | — |  |  | 13 |  |  | — |
Total |  | $ | 13,434 |  |  | $ | 79 |  |  | $ | 14,951 |  |  | $ | 97 |  |  | $ | 14,023 |  |  | $ | 240 |  |  | $ | 15,568 |  |  | $ | 348 |
(1)Cash basis interest income approximates interest income recognized. The following tables present the recorded investment in non-accrual and loans past due 90 days or more and still accruing by class of loans as of September 30, 2016 and December 31, 2015 (in thousands):
|  | Non-accrual |  | Loans Past Due 90 Days or More and Still Accruing
|  | September 30, 2016 |  | December 31, 2015 |  | September 30, 2016 |  | December 31, 2015
Commercial and agricultural: |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 10 |  |  | $ | 13 |  |  | $ | 1 |  |  | $ | 3 |
Agricultural |  | — |  |  | — |  |  | — |  |  | — |
Commercial mortgages: |  |  |  |  |  |  |  |
Construction |  | 20 |  |  | 63 |  |  | — |  |  | — |
Commercial mortgages, other |  | 6,577 |  |  | 7,203 |  |  | — |  |  | — |
Residential mortgages |  | 4,225 |  |  | 3,610 |  |  | — |  |  | — |
Consumer loans: |  |  |  |  |  |  |  |
Credit cards |  | — |  |  | — |  |  | 11 |  |  | 15 |
Home equity lines and loans |  | 1,653 |  |  | 758 |  |  | — |  |  | — |
Indirect consumer loans |  | 298 |  |  | 542 |  |  | — |  |  | — |
Direct consumer loans |  | 120 |  |  | 43 |  |  | — |  |  | — |
Total |  | $ | 12,903 |  |  | $ | 12,232 |  |  | $ | 12 |  |  | $ | 18 |
Recorded investment in past due and non-accrual status by class of loans | The following tables present the aging of the recorded investment in loans as of September 30, 2016 and December 31, 2015 (in thousands):
| September 30, 2016
| 30 - 59 Days Past Due |  | 60 - 89 Days Past Due |  | 90 Days or More Past Due |  | Total Past Due |  | Loans Acquired with Deteriorated Credit Quality |  | Loans Not Past Due |  | Total
Commercial and agricultural: |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | 32 |  |  | $ | 1 |  |  | $ | 1 |  |  | $ | 34 |  |  | $ | — |  |  | $ | 183,907 |  |  | $ | 183,941 |
Agricultural | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 407 |  |  | 407 |
Commercial mortgages: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 35,134 |  |  | 35,134 |
Commercial mortgages, other | 848 |  |  | 5,513 |  |  | 3,316 |  |  | 9,677 |  |  | 1,743 |  |  | 530,564 |  |  | 541,984 |
Residential mortgages | 1,697 |  |  | 928 |  |  | 2,160 |  |  | 4,785 |  |  | 95 |  |  | 193,262 |  |  | 198,142 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit cards | 11 |  |  | 6 |  |  | 11 |  |  | 28 |  |  | — |  |  | 1,324 |  |  | 1,352 |
Home equity lines and loans | 272 |  |  | 190 |  |  | 1,174 |  |  | 1,636 |  |  | — |  |  | 96,993 |  |  | 98,629 |
Indirect consumer loans | 1,651 |  |  | 416 |  |  | 184 |  |  | 2,251 |  |  | — |  |  | 139,566 |  |  | 141,817 |
Direct consumer loans | 90 |  |  | 22 |  |  | 98 |  |  | 210 |  |  | — |  |  | 17,862 |  |  | 18,072 |
Total | $ | 4,601 |  |  | $ | 7,076 |  |  | $ | 6,944 |  |  | $ | 18,621 |  |  | $ | 1,838 |  |  | $ | 1,199,019 |  |  | $ | 1,219,478 |
| December 31, 2015
| 30 - 59 Days Past Due |  | 60 - 89 Days Past Due |  | 90 Days or More Past Due |  | Total Past Due |  | Loans Acquired with Deteriorated Credit Quality |  | Loans Not Past Due |  | Total
Commercial and agricultural: |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | 398 |  |  | $ | 3 |  |  | $ | 12 |  |  | $ | 413 |  |  | $ | — |  |  | $ | 192,248 |  |  | $ | 192,661 |
Agricultural | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,039 |  |  | 1,039 |
Commercial mortgages: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 41,231 |  |  | 41,231 |
Commercial mortgages, other | 4,197 |  |  | 199 |  |  | 5,239 |  |  | 9,635 |  |  | 1,825 |  |  | 455,009 |  |  | 466,469 |
Residential mortgages | 2,983 |  |  | 725 |  |  | 1,703 |  |  | 5,411 |  |  | 270 |  |  | 190,555 |  |  | 196,236 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit cards | 30 |  |  | 4 |  |  | 15 |  |  | 49 |  |  | — |  |  | 1,433 |  |  | 1,482 |
Home equity lines and loans | 233 |  |  | 77 |  |  | 239 |  |  | 549 |  |  | — |  |  | 101,428 |  |  | 101,977 |
Indirect consumer loans | 1,744 |  |  | 4 |  |  | 447 |  |  | 2,195 |  |  | — |  |  | 149,531 |  |  | 151,726 |
Direct consumer loans | 208 |  |  | — |  |  | 19 |  |  | 227 |  |  | — |  |  | 18,455 |  |  | 18,682 |
Total | $ | 9,793 |  |  | $ | 1,012 |  |  | $ | 7,674 |  |  | $ | 18,479 |  |  | $ | 2,095 |  |  | $ | 1,150,929 |  |  | $ | 1,171,503 |
Loans by class modified as troubled debt restructurings | The following table presents loans by class modified as TDRs for which there was a payment default within twelve months following the modification during the nine months ended September 30, 2016:
|  | Number of Loans |  | Recorded Investment
Commercial mortgages: |  |  |  |
Commercial mortgages |  | 2 |  | $ | 2,100 |
Total |  | 2 |  | $ | 2,100 |
The following table presents loans by class modified as TDRs that occurred during the three months ended September 30, 2015 (dollars in thousands):
September 30, 2015 |  | Number of Loans |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment
Troubled debt restructurings: |  |  |  |  |  |
Commercial mortgages: |  |  |  |  |  |  |  |  |
Commercial mortgages |  | 1 |  |  | $ | 432 |  |  | $ | 432 |
Total |  | 1 |  |  | $ | 432 |  |  | $ | 432 |
The TDRs described above did no t increase the allowance for loan losses and resulted in no charge-offs during the three months ended September 30, 2015. The following table presents loans by class modified as TDRs that occurred during the nine months ended September 30, 2016 and 2015 (dollars in thousands):
September 30, 2016 |  | Number of Loans |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment
Troubled debt restructurings: |  |  |  |  |  |
Commercial mortgages: |  |  |  |  |  |  |  |  |
Commercial mortgages |  | 5 |  |  | $ | 312 |  |  | $ | 310 |
Residential mortgages |  | 2 |  |  | 295 |  |  | 307 |
Consumer loans: |  |  |  |  |  |
Home equity lines and loans |  | 1 |  |  | 74 |  |  | 74 |
Total |  | 8 |  |  | $ | 681 |  |  | $ | 691 |
September 30, 2015 |  | Number of Loans |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment
Troubled debt restructurings: |  |  |  |  |  |
Commercial and agricultural: |  |  |  |  |  |
Commercial and industrial |  | 1 |  |  | $ | 477 |  |  | $ | 477 |
Commercial mortgages: |  |  |  |  |  |  |  |  |
Commercial mortgages |  | 2 |  |  | 542 |  |  | 542 |
Total |  | 3 |  |  | $ | 1,019 |  |  | $ | 1,019 |
Risk category of the recorded investment of loans by class of loans | Based on the analyses performed as of September 30, 2016 and December 31, 2015, the risk category of the recorded investment of loans by class of loans is as follows (in thousands):
| September 30, 2016
| Not Rated |  | Pass |  | Special Mention |  | Substandard |  | Doubtful |  | Loans acquired with deteriorated credit quality |  | Total
Commercial and agricultural: |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | — |  |  | $ | 179,867 |  |  | $ | 2,281 |  |  | $ | 1,693 |  |  | $ | 100 |  |  | $ | — |  |  | $ | 183,941 |
Agricultural | — |  |  | 407 |  |  | — |  |  |  |  |  | — |  |  | — |  |  | 407 |
Commercial mortgages: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction | — |  |  | 33,678 |  |  | 1,436 |  |  | 20 |  |  | — |  |  | — |  |  | 35,134 |
Commercial mortgages | — |  |  | 514,628 |  |  | 8,446 |  |  | 12,531 |  |  | 4,636 |  |  | 1,743 |  |  | 541,984 |
Residential mortgages | 193,822 |  |  | — |  |  | — |  |  | 4,225 |  |  | — |  |  | 95 |  |  | 198,142 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit cards | 1,352 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,352 |
Home equity lines and loans | 96,976 |  |  | — |  |  | — |  |  | 1,653 |  |  | — |  |  | — |  |  | 98,629 |
Indirect consumer loans | 141,519 |  |  | — |  |  | — |  |  | 298 |  |  | — |  |  | — |  |  | 141,817 |
Direct consumer loans | 17,952 |  |  | — |  |  | — |  |  | 120 |  |  | — |  |  | — |  |  | 18,072 |
Total | $ | 451,621 |  |  | $ | 728,580 |  |  | $ | 12,163 |  |  | $ | 20,540 |  |  | $ | 4,736 |  |  | $ | 1,838 |  |  | $ | 1,219,478 |
| December 31, 2015
| Not Rated |  | Pass |  | Special Mention |  | Substandard |  | Doubtful |  | Loans acquired with deteriorated credit quality |  | Total
Commercial and agricultural: |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | — |  |  | $ | 186,359 |  |  | $ | 3,772 |  |  | $ | 2,521 |  |  | $ | 9 |  |  | $ | — |  |  | $ | 192,661 |
Agricultural | — |  |  | 1,039 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,039 |
Commercial mortgages: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction | — |  |  | 40,881 |  |  | 287 |  |  | 63 |  |  | — |  |  | — |  |  | 41,231 |
Commercial mortgages | — |  |  | 437,549 |  |  | 8,437 |  |  | 14,454 |  |  | 4,204 |  |  | 1,825 |  |  | 466,469 |
Residential mortgages | 192,245 |  |  | — |  |  | — |  |  | 3,721 |  |  | — |  |  | 270 |  |  | 196,236 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit cards | 1,482 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,482 |
Home equity lines and loans | 101,219 |  |  | — |  |  | — |  |  | 758 |  |  | — |  |  | — |  |  | 101,977 |
Indirect consumer loans | 151,184 |  |  | — |  |  | — |  |  | 542 |  |  | — |  |  | — |  |  | 151,726 |
Direct consumer loans | 18,639 |  |  | — |  |  | — |  |  | 43 |  |  | — |  |  | — |  |  | 18,682 |
Total | $ | 464,769 |  |  | $ | 665,828 |  |  | $ | 12,496 |  |  | $ | 22,102 |  |  | $ | 4,213 |  |  | $ | 2,095 |  |  | $ | 1,171,503 |
Recorded investment in residential and consumer loans based on payment activity | The following table presents the recorded investment in residential and consumer loans based on payment activity as of September 30, 2016 and December 31, 2015 (in thousands):
| September 30, 2016
|  |  | Consumer Loans
| Residential Mortgages |  | Credit Card |  | Home Equity Lines and Loans |  | Indirect Consumer Loans |  | Other Direct Consumer Loans
Performing | $ | 193,917 |  |  | $ | 1,352 |  |  | $ | 96,976 |  |  | $ | 141,519 |  |  | $ | 17,952 |
Non-Performing | 4,225 |  |  | — |  |  | 1,653 |  |  | 298 |  |  | 120 |
| $ | 198,142 |  |  | $ | 1,352 |  |  | $ | 98,629 |  |  | $ | 141,817 |  |  | $ | 18,072 |
| December 31, 2015
|  |  | Consumer Loans
| Residential Mortgages |  | Credit Card |  | Home Equity Lines and Loans |  | Indirect Consumer Loans |  | Other Direct Consumer Loans
Performing | $ | 192,626 |  |  | $ | 1,482 |  |  | $ | 101,219 |  |  | $ | 151,184 |  |  | $ | 18,639 |
Non-Performing | 3,610 |  |  | — |  |  | 758 |  |  | 542 |  |  | 43 |
| $ | 196,236 |  |  | $ | 1,482 |  |  | $ | 101,977 |  |  | $ | 151,726 |  |  | $ | 18,682 |
Summary of changes in contractually required principal and interest on loans acquired | The tables below summarizes the changes in total contractually required principal and interest cash payments, management’s estimate of expected total cash payments and carrying value of the PCI loans from January 1, 2016 to September 30, 2016 and January 1, 2015 to September 30, 2015 (in thousands):
Nine Months Ended September 30, 2016 |  | Balance at December 31, 2015 |  | Income Accretion |  | All Other Adjustments |  | Balance at September 30, 2016
Contractually required principal and interest |  | $ | 2,912 |  |  | $ | — |  |  | $ | (480 | ) |  | $ | 2,432 |
Contractual cash flows not expected to be collected (nonaccretable discount) |  | (506 | ) |  | — |  |  | 99 |  |  | (407 | )
Cash flows expected to be collected |  | 2,406 |  |  | — |  |  | (381 | ) |  | 2,025 |
Interest component of expected cash flows (accretable yield) |  | (311 | ) |  | 96 |  |  | 28 |  |  | (187 | )
Fair value of loans acquired with deteriorating credit quality |  | $ | 2,095 |  |  | $ | 96 |  |  | $ | (353 | ) |  | $ | 1,838 |
Nine Months Ended September 30, 2015 |  | Balance at December 31, 2014 |  | Income Accretion |  | All Other Adjustments |  | Balance at September 30, 2015
Contractually required principal and interest |  | $ | 3,621 |  |  | $ | — |  |  | $ | (654 | ) |  | $ | 2,967 |
Contractual cash flows not expected to be collected (nonaccretable discount) |  | (570 | ) |  | — |  |  | 21 |  |  | (549 | )
Cash flows expected to be collected |  | 3,051 |  |  | — |  |  | (633 | ) |  | 2,418 |
Interest component of expected cash flows (accretable yield) |  | (420 | ) |  | 138 |  |  | (22 | ) |  | (304 | )
Fair value of loans acquired with deteriorating credit quality |  | $ | 2,631 |  |  | $ | 138 |  |  | $ | (655 | ) |  | $ | 2,114 |
The table below summarizes the changes in total contractually required principal and interest cash payments, management’s estimate of expected total cash payments and carrying value of the PCI loans from from July 1, 2016 to September 30, 2016 and July 1, 2015 to September 30, 2015 (in thousands):
Three Months Ended September 30, 2016 |  | Balance at June 30, 2016 |  | Income Accretion |  | All Other Adjustments |  | Balance at September 30, 2016
Contractually required principal and interest |  | $ | 2,492 |  |  | $ | — |  |  | $ | (60 | ) |  | $ | 2,432 |
Contractual cash flows not expected to be collected (nonaccretable discount) |  | (374 | ) |  | — |  |  | (33 | ) |  | (407 | )
Cash flows expected to be collected |  | 2,118 |  |  | — |  |  | (93 | ) |  | 2,025 |
Interest component of expected cash flows (accretable yield) |  | (243 | ) |  | 26 |  |  | 30 |  |  | (187 | )
Fair value of loans acquired with deteriorating credit quality |  | $ | 1,875 |  |  | $ | 26 |  |  | $ | (63 | ) |  | $ | 1,838 |
Three Months Ended September 30, 2015 |  | Balance at June 30, 2015 |  | Income Accretion |  | All Other Adjustments |  | Balance at September 30, 2015
Contractually required principal and interest |  | $ | 3,036 |  |  | $ | — |  |  | $ | (69 | ) |  | $ | 2,967 |
Contractual cash flows not expected to be collected (nonaccretable discount) |  | (568 | ) |  | — |  |  | 19 |  |  | (549 | )
Cash flows expected to be collected |  | 2,468 |  |  | — |  |  | (50 | ) |  | 2,418 |
Interest component of expected cash flows (accretable yield) |  | (324 | ) |  | 39 |  |  | (19 | ) |  | (304 | )
Fair value of loans acquired with deteriorating credit quality |  | $ | 2,144 |  |  | $ | 39 |  |  | $ | (69 | ) |  | $ | 2,114 |

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