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LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables) | 12 Months Ended
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Dec. 31, 2017
Loans and Leases Receivable Disclosure [Abstract] |
Composition of Loan Portfolio by Type | The composition of the loan portfolio, net of deferred loan fees is summarized as follows (in thousands):
| December 31, 2017 |  | December 31, 2016
Commercial and agricultural: |  |  |
Commercial and industrial | $ | 198,463 |  |  | $ | 176,201 |
Agricultural | 544 |  |  | 360 |
Commercial mortgages: |  |  |  |  |
Construction | 45,558 |  |  | 46,387 |
Commercial mortgages | 598,772 |  |  | 522,269 |
Residential mortgages | 194,440 |  |  | 198,493 |
Consumer loans: |  |  |  |  |
Credit cards | 1,517 |  |  | 1,476 |
Home equity lines and loans | 100,591 |  |  | 98,590 |
Indirect consumer loans | 153,060 |  |  | 139,572 |
Direct consumer loans | 18,879 |  |  | 16,942 |
Total loans, net of deferred loan fees | 1,311,824 |  |  | 1,200,290 |
Interest receivable on loans | 3,758 |  |  | 3,192 |
Total recorded investment in loans | $ | 1,315,582 |  |  | $ | 1,203,482 |
Allowance for Loan Losses by Portfolio Segment | The following tables present the activity in the allowance for loan losses by portfolio segment for the years ended December 31, 2017, 2016 and 2015, respectively (in thousands):
| December 31, 2017
Allowance for loan losses | Commercial, and Agricultural |  | Commercial Mortgages |  | Residential Mortgages |  | Consumer Loans |  | Total
Beginning balance: | $ | 1,589 |  |  | $ | 7,270 |  |  | $ | 1,523 |  |  | $ | 3,871 |  |  | $ | 14,253 |
Charge Offs: | (96 | ) |  | (419 | ) |  | (225 | ) |  | (1,831 | ) |  | (2,571 | )
Recoveries: | 109 |  |  | 5 |  |  | 30 |  |  | 313 |  |  | 457 |
Net (charge offs) recoveries | 13 |  |  | (414 | ) |  | (195 | ) |  | (1,518 | ) |  | (2,114 | )
Provision | 5,374 |  |  | 1,658 |  |  | (12 | ) |  | 2,002 |  |  | 9,022 |
Ending balance | $ | 6,976 |  |  | $ | 8,514 |  |  | $ | 1,316 |  |  | $ | 4,355 |  |  | $ | 21,161 |
| December 31, 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: | (217 | ) |  | (911 | ) |  | (65 | ) |  | (1,637 | ) |  | (2,830 | )
Recoveries: | 92 |  |  | 10 |  |  | — |  |  | 284 |  |  | 386 |
Net recoveries (charge offs) | (125 | ) |  | (901 | ) |  | (65 | ) |  | (1,353 | ) |  | (2,444 | )
Provision | (117 | ) |  | 1,059 |  |  | 124 |  |  | 1,371 |  |  | 2,437 |
Ending balance | $ | 1,589 |  |  | $ | 7,270 |  |  | $ | 1,523 |  |  | $ | 3,871 |  |  | $ | 14,253 |
| December 31, 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: | (186 | ) |  | (104 | ) |  | (47 | ) |  | (1,294 | ) |  | (1,631 | )
Recoveries: | 96 |  |  | 131 |  |  | — |  |  | 407 |  |  | 634 |
Net recoveries (charge offs) | (90 | ) |  | 27 |  |  | (47 | ) |  | (887 | ) |  | (997 | )
Provision | 461 |  |  | 759 |  |  | (61 | ) |  | 412 |  |  | 1,571 |
Ending balance | $ | 1,831 |  |  | $ | 7,112 |  |  | $ | 1,464 |  |  | $ | 3,853 |  |  | $ | 14,260 |
Allowance for Loan Losses and 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 December 31, 2017 and December 31, 2016 (in thousands):
| December 31, 2017
Allowance for loan losses | Commercial and Agricultural |  | Commercial Mortgages |  | Residential Mortgages |  | Consumer Loans |  | Total
Ending allowance balance attributable to loans: |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 5,135 |  |  | $ | 802 |  |  | $ | — |  |  | $ | — |  |  | $ | 5,937 |
Collectively evaluated for impairment | 1,841 |  |  | 7,683 |  |  | 1,316 |  |  | 4,355 |  |  | 15,195 |
Loans acquired with deteriorated credit quality | — |  |  | 29 |  |  | — |  |  | — |  |  | 29 |
Total ending allowance balance | $ | 6,976 |  |  | $ | 8,514 |  |  | $ | 1,316 |  |  | $ | 4,355 |  |  | $ | 21,161 |
| December 31, 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 | $ | — |  |  | $ | 735 |  |  | $ | — |  |  | $ | 141 |  |  | $ | 876 |
Collectively evaluated for impairment | 1,589 |  |  | 6,476 |  |  | 1,498 |  |  | 3,730 |  |  | 13,293 |
Loans acquired with deteriorated credit quality | — |  |  | 59 |  |  | 25 |  |  | — |  |  | 84 |
Total ending allowance balance | $ | 1,589 |  |  | $ | 7,270 |  |  | $ | 1,523 |  |  | $ | 3,871 |  |  | $ | 14,253 |
| December 31, 2017
Loans: | Commercial and Agricultural |  | Commercial Mortgages |  | Residential Mortgages |  | Consumer Loans |  | Total
Loans individually evaluated for impairment | $ | 6,133 |  |  | $ | 7,302 |  |  | $ | 427 |  |  | $ | 64 |  |  | $ | 13,926 |
Loans collectively evaluated for impairment | 193,443 |  |  | 638,080 |  |  | 194,510 |  |  | 274,831 |  |  | 1,300,864 |
Loans acquired with deteriorated credit quality | — |  |  | 792 |  |  | — |  |  | — |  |  | 792 |
Total ending loans balance | $ | 199,576 |  |  | $ | 646,174 |  |  | $ | 194,937 |  |  | $ | 274,895 |  |  | $ | 1,315,582 |
| December 31, 2016
Loans: | Commercial and Agricultural |  | Commercial Mortgages |  | Residential Mortgages |  | Consumer Loans |  | Total
Loans individually evaluated for impairment | $ | 693 |  |  | $ | 10,382 |  |  | $ | 396 |  |  | $ | 455 |  |  | $ | 11,926 |
Loans collectively evaluated for impairment | 176,334 |  |  | 558,451 |  |  | 198,474 |  |  | 256,879 |  |  | 1,190,138 |
Loans acquired with deteriorated credit quality | — |  |  | 1,323 |  |  | 95 |  |  | — |  |  | 1,418 |
Total ending loans balance | $ | 177,027 |  |  | $ | 570,156 |  |  | $ | 198,965 |  |  | $ | 257,334 |  |  | $ | 1,203,482 |
Summary of Impaired Financing Receivables | The following tables present loans individually evaluated for impairment recognized by class of loans as of December 31, 2017 and December 31, 2016, the average recorded investment and interest income recognized by class of loans as of the years ended December 31, 2017, 2016 and 2015 (in thousands):
| December 31, 2017 |  | December 31, 2016
| Unpaid Principal Balance |  | Recorded Investment |  | Allowance for Loan Losses Allocated |  | Unpaid Principal Balance |  | Recorded Investment |  | Allowance for Loan Losses Allocated
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |
Commercial and agricultural: |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | 861 |  |  | $ | 867 |  |  | $ | — |  |  | $ | 690 |  |  | $ | 693 |  |  | $ | — |
Commercial mortgages: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction | 364 |  |  | 365 |  |  | — |  |  | 277 |  |  | 278 |  |  | — |
Commercial mortgages | 4,135 |  |  | 4,138 |  |  | — |  |  | 8,792 |  |  | 7,857 |  |  | — |
Residential mortgages | 450 |  |  | 427 |  |  | — |  |  | 395 |  |  | 396 |  |  | — |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines and loans | 64 |  |  | 64 |  |  | — |  |  | 93 |  |  | 95 |  |  | — |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and agricultural: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | 5,231 |  |  | 5,266 |  |  | 5,135 |  |  | — |  |  | — |  |  | — |
Commercial mortgages: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial mortgages | 2,989 |  |  | 2,799 |  |  | 802 |  |  | 2,245 |  |  | 2,247 |  |  | 735 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines and loans | — |  |  | — |  |  | — |  |  | 360 |  |  | 360 |  |  | 141 |
Total | $ | 14,094 |  |  | $ | 13,926 |  |  | $ | 5,937 |  |  | $ | 12,852 |  |  | $ | 11,926 |  |  | $ | 876 |
| December 31, 2017 |  | December 31, 2016 |  | December 31, 2015
| Average Recorded Investment |  | Interest Income Recognized (1) |  | Average Recorded Investment |  | Interest Income Recognized (1) |  | Average Recorded Investment |  | Interest Income Recognized (1)
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |
Commercial and agricultural: |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | 706 |  |  | $ | 35 |  |  | $ | 1,010 |  |  | $ | 42 |  |  | $ | 1,358 |  |  | $ | 64 |
Commercial mortgages: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction | 830 |  |  | 12 |  |  | 320 |  |  | 14 |  |  | 992 |  |  | 36 |
Commercial mortgages | 5,606 |  |  | 78 |  |  | 6,793 |  |  | 240 |  |  | 7,728 |  |  | 264 |
Residential mortgages | 418 |  |  | 8 |  |  | 366 |  |  | 5 |  |  | 244 |  |  | 4 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines & loans | 74 |  |  | 3 |  |  | 102 |  |  | 5 |  |  | 396 |  |  | 6 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and agricultural: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | 1,170 |  |  | 6 |  |  | 33 |  |  | — |  |  | 146 |  |  | 3 |
Commercial mortgages: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial mortgages | 3,751 |  |  | 12 |  |  | 4,749 |  |  | 6 |  |  | 4,503 |  |  | 49 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines and loans | 144 |  |  | — |  |  | 362 |  |  | — |  |  | 84 |  |  | 18 |
Total | $ | 12,699 |  |  | $ | 154 |  |  | $ | 13,735 |  |  | $ | 312 |  |  | $ | 15,451 |  |  | $ | 444 |
(1) Cash basis interest income approximates interest income recognized.
Recorded Investment in Past Due and Non-Accrual Status by Class of Loans | 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 December 31, 2017 and December 31, 2016 (in thousands):
| Non-accrual |  | Loans Past Due 90 Days or More and Still Accruing
| 2017 |  | 2016 |  | 2017 |  | 2016
Commercial and agricultural: |  |  |  |  |  |  |
Commercial and industrial | $ | 5,250 |  |  | $ | — |  |  | $ | 5 |  |  | $ | 2 |
Commercial mortgages: |  |  |  |  |  |  |
Construction | 135 |  |  | 19 |  |  | — |  |  | — |
Commercial mortgages | 6,520 |  |  | 5,454 |  |  | — |  |  | — |
Residential mortgages | 3,160 |  |  | 4,201 |  |  | — |  |  | — |
Consumer loans: |  |  |  |  |  |  |
Credit cards | — |  |  | — |  |  | 24 |  |  | 11 |
Home equity lines and loans | 1,310 |  |  | 1,670 |  |  | — |  |  | — |
Indirect consumer loans | 935 |  |  | 654 |  |  | — |  |  | — |
Direct consumer loans | 14 |  |  | 45 |  |  | — |  |  | — |
Total | $ | 17,324 |  |  | $ | 12,043 |  |  | $ | 29 |  |  | $ | 13 |
The following tables present the aging of the recorded investment in loans as of December 31, 2017 and December 31, 2016 (in thousands):
| December 31, 2017
| 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 | $ | 1,689 |  |  | $ | 999 |  |  | $ | 20 |  |  | $ | 2,708 |  |  | $ | — |  |  | $ | 196,322 |  |  | $ | 199,030 |
Agricultural | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 546 |  |  | 546 |
Commercial mortgages: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 45,688 |  |  | 45,688 |
Commercial mortgages | 2,399 |  |  | 115 |  |  | 748 |  |  | 3,262 |  |  | 792 |  |  | 596,432 |  |  | 600,486 |
Residential mortgages | 1,399 |  |  | 939 |  |  | 1,474 |  |  | 3,812 |  |  | — |  |  | 191,125 |  |  | 194,937 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit cards | 17 |  |  | 9 |  |  | 24 |  |  | 50 |  |  | — |  |  | 1,466 |  |  | 1,516 |
Home equity lines and loans | 265 |  |  | 31 |  |  | 983 |  |  | 1,279 |  |  | — |  |  | 99,599 |  |  | 100,878 |
Indirect consumer loans | 1,822 |  |  | 484 |  |  | 581 |  |  | 2,887 |  |  | — |  |  | 150,645 |  |  | 153,532 |
Direct consumer loans | 48 |  |  | 28 |  |  | 2 |  |  | 78 |  |  | — |  |  | 18,891 |  |  | 18,969 |
Total | $ | 7,639 |  |  | $ | 2,605 |  |  | $ | 3,832 |  |  | $ | 14,076 |  |  | $ | 792 |  |  | $ | 1,300,714 |  |  | $ | 1,315,582 |
| December 31, 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 | $ | 160 |  |  | $ | 7 |  |  | $ | 2 |  |  | $ | 169 |  |  | $ | — |  |  | $ | 176,497 |  |  | $ | 176,666 |
Agricultural | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 361 |  |  | 361 |
Commercial mortgages: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction | — |  |  | 1,177 |  |  | — |  |  | 1,177 |  |  | — |  |  | 45,333 |  |  | 46,510 |
Commercial mortgages | 652 |  |  | 4,460 |  |  | 2,412 |  |  | 7,524 |  |  | 1,323 |  |  | 514,799 |  |  | 523,646 |
Residential mortgages | 2,100 |  |  | 436 |  |  | 2,383 |  |  | 4,919 |  |  | 95 |  |  | 193,951 |  |  | 198,965 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit cards | 3 |  |  | 9 |  |  | 11 |  |  | 23 |  |  | — |  |  | 1,453 |  |  | 1,476 |
Home equity lines and loans | 227 |  |  | — |  |  | 1,149 |  |  | 1,376 |  |  | — |  |  | 97,477 |  |  | 98,853 |
Indirect consumer loans | 1,773 |  |  | 287 |  |  | 542 |  |  | 2,602 |  |  | — |  |  | 137,391 |  |  | 139,993 |
Direct consumer loans | 54 |  |  | 7 |  |  | 22 |  |  | 83 |  |  | — |  |  | 16,929 |  |  | 17,012 |
Total | $ | 4,969 |  |  | $ | 6,383 |  |  | $ | 6,521 |  |  | $ | 17,873 |  |  | $ | 1,418 |  |  | $ | 1,184,191 |  |  | $ | 1,203,482 |
Loans by Class Modified as Troubled Debt Restructurings | The following table presents loans by class modified as troubled debt restructurings that occurred during the years ended December 31, 2017, 2016 and 2015 (in thousands):
December 31, 2017 |  | Number of Loans |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment
Troubled debt restructurings: |  |  |  |  |  |
Commercial and agricultural: |  |  |  |  |  |
Commercial and industrial |  | 3 |  | $ | 677 |  |  | $ | 677 |
Commercial mortgages: |  |  |  |  |  |  |  |
Commercial mortgages |  | 1 |  | 166 |  |  | 166 |
Residential mortgages |  | 1 |  | 105 |  |  | 105 |
Total |  | 5 |  | $ | 948 |  |  | $ | 948 |
The TDRs described above increased the allowance for loan losses by $0.1 million and resulted in no charge offs during the year ended December 31, 2017.
December 31, 2016 |  | Number of Loans |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment
Troubled debt restructurings: |  |  |  |  |  |
Commercial mortgages: |  |  |  |  |  |  |  |
Commercial mortgages |  | 6 |  | $ | 485 |  |  | $ | 388 |
Residential mortgages |  | 2 |  | 295 |  |  | 307 |
Consumer loans: |  |  |  |  |  |  |  |
Home equity lines and loans |  | 1 |  | 74 |  |  | 74 |
Total |  | 9 |  | $ | 854 |  |  | $ | 769 |
The TDRs described above did not increase the allowance for loan losses and resulted in no charge offs during the year ended December 31, 2016.
December 31, 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 |  | 5 |  | 2,810 |  |  | 2,810 |
Total |  | 6 |  | $ | 3,287 |  |  | $ | 3,287 |
The TDRs described above increased the allowance for loan losses by $1.1 million and resulted in no charge offs during the year ended December 31, 2015. A loan is considered to be in payment default once it is 90 days contractually past due under the modified terms. 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 year ended December 31, 2017:
December 31, 2017 |  | Number of Loans |  | Recorded Investment
Commercial mortgages: |  |  |  |
Commercial mortgages |  | 1 |  | $ | 164 |
Total |  | 1 |  | $ | 164 |
There were no payment defaults on any loans previously modified as troubled debt restructurings during the year ended December 31, 2016, within twelve months following the modification. 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 year ended December 31, 2015:
December 31, 2015 |  | Number of Loans |  | Recorded Investment
Commercial mortgages: |  |  |  |
Commercial mortgages |  | 2 |  | $ | 1,877 |
Total |  | 2 |  | $ | 1,877 |
Risk Category of Recorded Investment of Loans by Class of Loans | Loans not meeting the criteria above that are analyzed individually as part of the above described process are considered to be pass rated loans. Loans listed as not rated are included in groups of homogeneous loans. Based on the analyses performed as of December 31, 2017 and December 31, 2016, the risk category of the recorded investment of loans by class of loans is as follows (in thousands):
| December 31, 2017
| Not Rated |  | Pass |  | Loans acquired with deteriorated credit quality |  | Special Mention |  | Substandard |  | Doubtful |  | Total
Commercial and agricultural: |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | — |  |  | $ | 186,556 |  |  | $ | — |  |  | $ | 4,447 |  |  | $ | 6,605 |  |  | $ | 1,422 |  |  | $ | 199,030 |
Agricultural | — |  |  | 546 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 546 |
Commercial mortgages: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction | — |  |  | 45,553 |  |  | — |  |  | — |  |  | 135 |  |  | — |  |  | 45,688 |
Commercial mortgages | — |  |  | 575,321 |  |  | 792 |  |  | 9,665 |  |  | 13,331 |  |  | 1,377 |  |  | 600,486 |
Residential mortgages | 191,777 |  |  | — |  |  | — |  |  | — |  |  | 3,160 |  |  | — |  |  | 194,937 |
Consumer loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit cards | 1,516 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,516 |
Home equity lines and loans | 99,568 |  |  | — |  |  | — |  |  | — |  |  | 1,310 |  |  | — |  |  | 100,878 |
Indirect consumer loans | 152,598 |  |  | — |  |  | — |  |  | — |  |  | 934 |  |  | — |  |  | 153,532 |
Direct consumer loans | 18,955 |  |  | — |  |  | — |  |  | — |  |  | 14 |  |  | — |  |  | 18,969 |
Total | $ | 464,414 |  |  | $ | 807,976 |  |  | $ | 792 |  |  | $ | 14,112 |  |  | $ | 25,489 |  |  | $ | 2,799 |  |  | $ | 1,315,582 |
| December 31, 2016
| Not Rated |  | Pass |  | Loans acquired with deteriorated credit quality |  | Special Mention |  | Substandard |  | Doubtful |  | Total
Commercial and agricultural: |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | — |  |  | $ | 172,873 |  |  | $ | — |  |  | $ | 2,277 |  |  | $ | 1,516 |  |  | $ | — |  |  | $ | 176,666 |
Agricultural | — |  |  | 361 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 361 |
Commercial mortgages: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction | — |  |  | 45,055 |  |  | — |  |  | 259 |  |  | 1,196 |  |  | — |  |  | 46,510 |
Commercial mortgages | — |  |  | 496,723 |  |  | 1,323 |  |  | 8,574 |  |  | 15,566 |  |  | 1,460 |  |  | 523,646 |
Residential mortgages | 194,669 |  |  | — |  |  | 95 |  |  | — |  |  | 4,201 |  |  | — |  |  | 198,965 |
Consumer loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit cards | 1,476 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,476 |
Home equity lines and loans | 97,183 |  |  | — |  |  | — |  |  | — |  |  | 1,670 |  |  | — |  |  | 98,853 |
Indirect consumer loans | 139,339 |  |  | — |  |  | — |  |  | — |  |  | 654 |  |  | — |  |  | 139,993 |
Direct consumer loans | 16,967 |  |  | — |  |  | — |  |  | — |  |  | 45 |  |  | — |  |  | 17,012 |
Total | $ | 449,634 |  |  | $ | 715,012 |  |  | $ | 1,418 |  |  | $ | 11,110 |  |  | $ | 24,848 |  |  | $ | 1,460 |  |  | $ | 1,203,482 |
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 December 31, 2017 and December 31, 2016 (in thousands):
| December 31, 2017
|  |  | Consumer Loans
| Residential Mortgages |  | Credit Card |  | Home Equity Lines and Loans |  | Indirect Consumer Loans |  | Other Direct Consumer Loans
Performing | $ | 191,777 |  |  | $ | 1,516 |  |  | $ | 99,568 |  |  | $ | 152,598 |  |  | $ | 18,955 |
Non-Performing | 3,160 |  |  | — |  |  | 1,310 |  |  | 934 |  |  | 14 |
Total | $ | 194,937 |  |  | $ | 1,516 |  |  | $ | 100,878 |  |  | $ | 153,532 |  |  | $ | 18,969 |
| December 31, 2016
|  |  | Consumer Loans
| Residential Mortgages |  | Credit Card |  | Home Equity Lines and Loans |  | Indirect Consumer Loans |  | Other Direct Consumer Loans
Performing | $ | 194,764 |  |  | $ | 1,476 |  |  | $ | 97,183 |  |  | $ | 139,339 |  |  | $ | 16,967 |
Non-Performing | 4,201 |  |  | — |  |  | 1,670 |  |  | 654 |  |  | 45 |
Total | $ | 198,965 |  |  | $ | 1,476 |  |  | $ | 98,853 |  |  | $ | 139,993 |  |  | $ | 17,012 |
Summary of Changes in Contractually Required Principal and Interest on Loans Acquired | The tables below summarize 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, 2015 to December 31, 2017 (in thousands):
| Balance at December 31, 2016 |  | Income Accretion |  | All Other Adjustments |  | Balance at December 31, 2017
Contractually required principal and interest | $ | 1,940 |  |  | $ | — |  |  | $ | (988 | ) |  | $ | 952 |
Contractual cash flows not expected to be collected (non accretable discount) | (352 | ) |  | — |  |  | 286 |  |  | (66 | )
Cash flows expected to be collected | 1,588 |  |  | — |  |  | (702 | ) |  | 886 |
Interest component of expected cash flows (accretable yield) | (170 | ) |  | 61 |  |  | 15 |  |  | (94 | )
Recorded investment in loans acquired with deteriorating credit quality | $ | 1,418 |  |  | $ | 61 |  |  | $ | (687 | ) |  | $ | 792 |
| Balance at December 31, 2015 |  | Income Accretion |  | All Other Adjustments |  | Balance at December 31, 2016
Contractually required principal and interest | $ | 2,912 |  |  | $ | — |  |  | $ | (972 | ) |  | $ | 1,940 |
Contractual cash flows not expected to be collected (non accretable discount) | (506 | ) |  | — |  |  | 154 |  |  | (352 | )
Cash flows expected to be collected | 2,406 |  |  | — |  |  | (818 | ) |  | 1,588 |
Interest component of expected cash flows (accretable yield) | (311 | ) |  | 112 |  |  | 29 |  |  | (170 | )
Recorded investment in loans acquired with deteriorating credit quality | $ | 2,095 |  |  | $ | 112 |  |  | $ | (789 | ) |  | $ | 1,418 |
| Balance at January 1, 2015 |  | Income Accretion |  | All Other Adjustments |  | Balance at December 31, 2015
Contractually required principal and interest | $ | 3,621 |  |  | $ | — |  |  | $ | (709 | ) |  | $ | 2,912 |
Contractual cash flows not expected to be collected (non accretable discount) | (570 | ) |  | — |  |  | 64 |  |  | (506 | )
Cash flows expected to be collected | 3,051 |  |  | — |  |  | (645 | ) |  | 2,406 |
Interest component of expected cash flows (accretable yield) | (420 | ) |  | 174 |  |  | (65 | ) |  | (311 | )
Recorded investment in loans acquired with deteriorating credit quality | $ | 2,631 |  |  | $ | 174 |  |  | $ | (710 | ) |  | $ | 2,095 |

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