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LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables) | 9 Months Ended
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Sep. 30, 2019
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, 2019 |  | December 31, 2018
Commercial and agricultural: |  |  |  |
Commercial and industrial |  | $ | 226,884 |  |  | $ | 202,526 |
Agricultural |  | 214 |  |  | 328 |
Commercial mortgages: |  |  |  |  |  |
Construction |  | 48,635 |  |  | 54,476 |
Commercial mortgages, other |  | 602,970 |  |  | 606,694 |
Residential mortgages |  | 184,013 |  |  | 182,724 |
Consumer loans: |  |  |  |  |  |
Credit cards |  | — |  |  | 1,449 |
Home equity lines and loans |  | 92,456 |  |  | 98,145 |
Indirect consumer loans |  | 136,502 |  |  | 149,380 |
Direct consumer loans |  | 14,964 |  |  | 16,184 |
Total loans, net of deferred origination fees and costs |  | 1,306,638 |  |  | 1,311,906 |
Interest receivable on loans |  | 3,682 |  |  | 3,703 |
Total recorded investment in loans |  | $ | 1,310,320 |  |  | $ | 1,315,609 |
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 month periods ended September 30, 2019 and 2018 (in thousands):
| Three Months Ended September 30, 2019
Allowance for loan losses | Commercial and Agricultural |  | Commercial Mortgages |  | Residential Mortgages |  | Consumer Loans |  | Total
Beginning balance | $ | 5,476 |  |  | $ | 9,545 |  |  | $ | 1,229 |  |  | $ | 3,406 |  |  | $ | 19,656 |
Charge-offs | — |  |  | — |  |  | (19 | ) |  | (283 | ) |  | (302 | )
Recoveries | 29 |  |  | — |  |  | — |  |  | 99 |  |  | 128 |
Net recoveries (charge-offs) | 29 |  |  | — |  |  | (19 | ) |  | (184 | ) |  | (174 | )
Provision | 4,651 |  |  | (285 | ) |  | (26 | ) |  | 101 |  |  | 4,441 |
Ending balance | $ | 10,156 |  |  | $ | 9,260 |  |  | $ | 1,184 |  |  | $ | 3,323 |  |  | $ | 23,923 |
| Three Months Ended September 30, 2018
Allowance for loan losses | Commercial and Agricultural |  | Commercial Mortgages |  | Residential Mortgages |  | Consumer Loans |  | Total
Beginning balance | $ | 4,969 |  |  | $ | 8,740 |  |  | $ | 1,445 |  |  | $ | 4,491 |  |  | $ | 19,645 |
Charge-offs |  |  |  | — |  |  | (60 | ) |  | (380 | ) |  | (440 | )
Recoveries | 13 |  |  | — |  |  | — |  |  | 117 |  |  | 130 |
Net recoveries (charge-offs) | 13 |  |  | — |  |  | (60 | ) |  | (263 | ) |  | (310 | )
Provision | 285 |  |  | (91 | ) |  | 11 |  |  | 95 |  |  | 300 |
Ending balance | $ | 5,267 |  |  | $ | 8,649 |  |  | $ | 1,396 |  |  | $ | 4,323 |  |  | $ | 19,635 |
The following tables present the activity in the allowance for loan losses by portfolio segment for the nine month periods ended September 30, 2019 and 2018 (in thousands):
| Nine Months Ended September 30, 2019
Allowance for loan losses | Commercial and Agricultural |  | Commercial Mortgages |  | Residential Mortgages |  | Consumer Loans |  | Total
Beginning balance: | $ | 5,383 |  |  | $ | 8,184 |  |  | $ | 1,226 |  |  | $ | 4,151 |  |  | $ | 18,944 |
Charge-offs: | (55 | ) |  | — |  |  | (60 | ) |  | (1,040 | ) |  | (1,155 | )
Recoveries: | 44 |  |  | 2 |  |  | 45 |  |  | 359 |  |  | 450 |
Net recoveries (charge-offs) | (11 | ) |  | 2 |  |  | (15 | ) |  | (681 | ) |  | (705 | )
Provision | 4,784 |  |  | 1,074 |  |  | (27 | ) |  | (147 | ) |  | 5,684 |
Ending balance | $ | 10,156 |  |  | $ | 9,260 |  |  | $ | 1,184 |  |  | $ | 3,323 |  |  | $ | 23,923 |
| Nine Months Ended September 30, 2018
Allowance for loan losses | Commercial and Agricultural |  | Commercial Mortgages |  | Residential Mortgages |  | Consumer Loans |  | Total
Beginning balance: | $ | 6,976 |  |  | $ | 8,514 |  |  | $ | 1,316 |  |  | $ | 4,355 |  |  | $ | 21,161 |
Charge-offs: | (3,644 | ) |  | (145 | ) |  | (225 | ) |  | (1,301 | ) |  | (5,315 | )
Recoveries: | 34 |  |  | 2 |  |  | 5 |  |  | 377 |  |  | 418 |
Net recoveries (charge-offs) | (3,610 | ) |  | (143 | ) |  | (220 | ) |  | (924 | ) |  | (4,897 | )
Provision | 1,901 |  |  | 278 |  |  | 300 |  |  | 892 |  |  | 3,371 |
Ending balance | $ | 5,267 |  |  | $ | 8,649 |  |  | $ | 1,396 |  |  | $ | 4,323 |  |  | $ | 19,635 |
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, 2019 and December 31, 2018 (in thousands):
| September 30, 2019
Allowance for loan losses: | Commercial and Agricultural |  | Commercial Mortgages |  | Residential Mortgages |  | Consumer Loans |  | Total
Ending allowance balance attributable to loans: |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 6,141 |  |  | $ | 2,519 |  |  | $ | — |  |  | $ | — |  |  | $ | 8,660 |
Collectively evaluated for impairment | 4,015 |  |  | 6,741 |  |  | 1,184 |  |  | 3,323 |  |  | 15,263 |
Total ending allowance balance | $ | 10,156 |  |  | $ | 9,260 |  |  | $ | 1,184 |  |  | $ | 3,323 |  |  | $ | 23,923 |
| December 31, 2018
Allowance for loan losses: | Commercial and Agricultural |  | Commercial Mortgages |  | Residential Mortgages |  | Consumer Loans |  | Total
Ending allowance balance attributable to loans: |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 1,743 |  |  | $ | 446 |  |  | $ | — |  |  | $ | — |  |  | $ | 2,189 |
Collectively evaluated for impairment | 3,640 |  |  | 7,738 |  |  | 1,226 |  |  | 4,151 |  |  | 16,755 |
Total ending allowance balance | $ | 5,383 |  |  | $ | 8,184 |  |  | $ | 1,226 |  |  | $ | 4,151 |  |  | $ | 18,944 |
| September 30, 2019
Loans: | Commercial and Agricultural |  | Commercial Mortgages |  | Residential Mortgages |  | Consumer Loans |  | Total
Loans individually evaluated for impairment | $ | 6,349 |  |  | $ | 13,708 |  |  | $ | 407 |  |  | $ | 153 |  |  | $ | 20,617 |
Loans collectively evaluated for impairment | 221,376 |  |  | 639,697 |  |  | 184,162 |  |  | 244,468 |  |  | 1,289,703 |
Total ending loans balance | $ | 227,725 |  |  | $ | 653,405 |  |  | $ | 184,569 |  |  | $ | 244,621 |  |  | $ | 1,310,320 |
| December 31, 2018
Loans: | Commercial and Agricultural |  | Commercial Mortgages |  | Residential Mortgages |  | Consumer Loans |  | Total
Loans individually evaluated for impairment | $ | 2,128 |  |  | $ | 6,146 |  |  | $ | 402 |  |  | $ | 55 |  |  | $ | 8,731 |
Loans collectively evaluated for impairment | 201,284 |  |  | 656,842 |  |  | 182,823 |  |  | 265,929 |  |  | 1,306,878 |
Total ending loans balance | $ | 203,412 |  |  | $ | 662,988 |  |  | $ | 183,225 |  |  | $ | 265,984 |  |  | $ | 1,315,609 |
Summary of impaired financing receivables | The following table presents loans individually evaluated for impairment recognized by class of loans as of September 30, 2019 and December 31, 2018 (in thousands):
| September 30, 2019 |  | December 31, 2018
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 | $ | 184 |  |  | $ | 184 |  |  | $ | — |  |  | $ | 345 |  |  | $ | 346 |  |  | $ | — |
Commercial mortgages: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction | 262 |  |  | 263 |  |  | — |  |  | 307 |  |  | 308 |  |  | — |
Commercial mortgages, other | 3,305 |  |  | 3,306 |  |  | — |  |  | 4,007 |  |  | 3,935 |  |  | — |
Residential mortgages | 436 |  |  | 407 |  |  | — |  |  | 424 |  |  | 402 |  |  | — |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines and loans | 176 |  |  | 153 |  |  | — |  |  | 54 |  |  | 55 |  |  | — |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and agricultural: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | 6,164 |  |  | 6,165 |  |  | 6,141 |  |  | 1,780 |  |  | 1,782 |  |  | 1,743 |
Commercial mortgages: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial mortgages, other | 10,221 |  |  | 10,139 |  |  | 2,519 |  |  | 1,902 |  |  | 1,903 |  |  | 446 |
Total | $ | 20,748 |  |  | $ | 20,617 |  |  | $ | 8,660 |  |  | $ | 8,819 |  |  | $ | 8,731 |  |  | $ | 2,189 |
The following table presents the average recorded investment and interest income of loans individually evaluated for impairment recognized by class of loans for the three and nine-month periods ended September 30, 2019 and 2018 (in thousands):
|  | Three Months Ended September 30, 2019 |  | Three Months Ended September 30, 2018 |  | Nine Months Ended September 30, 2019 |  | Nine Months Ended September 30, 2018
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 |  | $ | 228 |  |  | $ | — |  |  | $ | 526 |  |  | $ | 1 |  |  | $ | 277 |  |  | $ | 1 |  |  | $ | 673 |  |  | $ | 11 |
Commercial mortgages: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | 270 |  |  | 2 |  |  | 330 |  |  | 3 |  |  | 285 |  |  | 7 |  |  | 344 |  |  | 8 |
Commercial mortgages, other |  | 3,372 |  |  | 3 |  |  | 4,339 |  |  | 5 |  |  | 3,630 |  |  | 9 |  |  | 4,257 |  |  | 16 |
Residential mortgages |  | 396 |  |  | 36 |  |  | 413 |  |  | 2 |  |  | 396 |  |  | 40 |  |  | 420 |  |  | 6 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines & loans |  | 156 |  |  | 3 |  |  | 59 |  |  | 1 |  |  | 134 |  |  | 4 |  |  | 61 |  |  | 2 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and agricultural: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | 3,983 |  |  | — |  |  | 1,573 |  |  | 1 |  |  | 2,508 |  |  | — |  |  | 3,359 |  |  | 2 |
Commercial mortgages: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial mortgages, other |  | 10,240 |  |  | — |  |  | 2,040 |  |  | 1 |  |  | 6,881 |  |  | — |  |  | 2,419 |  |  | 4 |
Total |  | $ | 18,645 |  |  | $ | 44 |  |  | $ | 9,280 |  |  | $ | 14 |  |  | $ | 14,111 |  |  | $ | 61 |  |  | $ | 11,533 |  |  | $ | 49 |
(1)Cash basis interest income approximates interest income recognized. The following table presents 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, 2019 and December 31, 2018 (in thousands):
|  | Non-accrual |  | Loans Past Due 90 Days or More and Still Accruing
|  | September 30, 2019 |  | December 31, 2018 |  | September 30, 2019 |  | December 31, 2018
Commercial and agricultural: |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 6,335 |  |  | $ | 2,048 |  |  | $ | 53 |  |  | $ | 10 |
Commercial mortgages: |  |  |  |  |  |  |  |
Construction |  | 87 |  |  | 109 |  |  | — |  |  | — |
Commercial mortgages, other |  | 13,250 |  |  | 5,529 |  |  | — |  |  | — |
Residential mortgages |  | 2,455 |  |  | 2,655 |  |  | — |  |  | — |
Consumer loans: |  |  |  |  |  |  |  |
Credit cards |  | — |  |  | — |  |  | — |  |  | 9 |
Home equity lines and loans |  | 722 |  |  | 1,183 |  |  | — |  |  | — |
Indirect consumer loans |  | 613 |  |  | 693 |  |  | — |  |  | — |
Direct consumer loans |  | 6 |  |  | 37 |  |  | — |  |  | — |
Total |  | $ | 23,468 |  |  | $ | 12,254 |  |  | $ | 53 |  |  | $ | 19 |
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, 2019 and December 31, 2018 (in thousands):
| September 30, 2019
| 30 - 59 Days Past Due |  | 60 - 89 Days Past Due |  | 90 Days or More Past Due |  | Total Past Due |  | Loans Not Past Due |  | Total
Commercial and agricultural: |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | 1,782 |  |  | $ | 249 |  |  | $ | 302 |  |  | $ | 2,333 |  |  | $ | 225,177 |  |  | $ | 227,510 |
Agricultural | — |  |  | — |  |  | — |  |  | — |  |  | 215 |  |  | 215 |
Commercial mortgages: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction | 279 |  |  | — |  |  | — |  |  | 279 |  |  | 48,490 |  |  | 48,769 |
Commercial mortgages, other | 2,176 |  |  | 402 |  |  | 1,993 |  |  | 4,571 |  |  | 600,065 |  |  | 604,636 |
Residential mortgages | 1,906 |  |  | 674 |  |  | 1,258 |  |  | 3,838 |  |  | 180,731 |  |  | 184,569 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines and loans | 36 |  |  | 15 |  |  | 496 |  |  | 547 |  |  | 92,205 |  |  | 92,752 |
Indirect consumer loans | 1,356 |  |  | 305 |  |  | 349 |  |  | 2,010 |  |  | 134,830 |  |  | 136,840 |
Direct consumer loans | 63 |  |  | 14 |  |  | 4 |  |  | 81 |  |  | 14,948 |  |  | 15,029 |
Total | $ | 7,598 |  |  | $ | 1,659 |  |  | $ | 4,402 |  |  | $ | 13,659 |  |  | $ | 1,296,661 |  |  | $ | 1,310,320 |
| December 31, 2018
| 30 - 59 Days Past Due |  | 60 - 89 Days Past Due |  | 90 Days or More Past Due |  | Total Past Due |  | Loans Not Past Due |  | Total
Commercial and agricultural: |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | 284 |  |  | $ | 61 |  |  | $ | 71 |  |  | $ | 416 |  |  | $ | 202,667 |  |  | $ | 203,083 |
Agricultural | 16 |  |  | — |  |  | — |  |  | 16 |  |  | 313 |  |  | 329 |
Commercial mortgages: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction | — |  |  | — |  |  | — |  |  | — |  |  | 54,626 |  |  | 54,626 |
Commercial mortgages, other | 6,273 |  |  | 158 |  |  | 169 |  |  | 6,600 |  |  | 601,762 |  |  | 608,362 |
Residential mortgages | 2,204 |  |  | 516 |  |  | 1,026 |  |  | 3,746 |  |  | 179,479 |  |  | 183,225 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit cards | 1 |  |  | 3 |  |  | 9 |  |  | 13 |  |  | 1,437 |  |  | 1,450 |
Home equity lines and loans | 279 |  |  | 97 |  |  | 730 |  |  | 1,106 |  |  | 97,360 |  |  | 98,466 |
Indirect consumer loans | 1,511 |  |  | 319 |  |  | 436 |  |  | 2,266 |  |  | 147,540 |  |  | 149,806 |
Direct consumer loans | 120 |  |  | 53 |  |  | 31 |  |  | 204 |  |  | 16,058 |  |  | 16,262 |
Total | $ | 10,688 |  |  | $ | 1,207 |  |  | $ | 2,472 |  |  | $ | 14,367 |  |  | $ | 1,301,242 |  |  | $ | 1,315,609 |
Loans by class modified as troubled debt restructurings | The following tables present loans by class modified as TDRs that occurred during the three months ended September 30, 2019 and 2018 (dollars in thousands):
September 30, 2019 |  | Number of Loans |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment
Troubled debt restructurings: |  |  |  |  |  |
Commercial mortgages: |  |  |  |  |  |
Commercial mortgages, other |  | 1 |  |  | $ | 4,223 |  |  | $ | 4,223 |
Total |  | 1 |  |  | $ | 4,223 |  |  | $ | 4,223 |
The TDR described above did not increase the allowance for loan losses and resulted in no charge-offs during the three month period ended September 30, 2019. The following tables present loans by class modified as TDRs that occurred during the nine months ended September 30, 2019 and 2018 (dollars in thousands):
September 30, 2019 |  | Number of Loans |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment
Troubled debt restructurings: |  |  |  |  |  |
Commercial mortgages: |  |  |  |  |  |  |  |  |
Commercial mortgages |  | 1 |  |  | $ | 4,223 |  |  | $ | 4,223 |
Home equity lines and loans |  | 1 |  |  | 137 |  |  | 137 |
Total |  | 2 |  |  | $ | 4,360 |  |  | $ | 4,360 |
September 30, 2018 |  | Number of Loans |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment
Troubled debt restructurings: |  |  |  |  |  |
Commercial and agricultural: |  |  |  |  |  |
Commercial and industrial |  | 1 |  |  | $ | 100 |  |  | $ | 100 |
Total |  | 1 |  |  | $ | 100 |  |  | $ | 100 |
Risk category of the recorded investment of loans by class of loans | Based on the analyses performed as of September 30, 2019 and December 31, 2018, the risk category of the recorded investment of loans by class of loans is as follows (in thousands):
| September 30, 2019
| Not Rated |  | Pass |  | Special Mention |  | Substandard |  | Doubtful |  | Total
Commercial and agricultural: |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | — |  |  | $ | 210,620 |  |  | $ | 4,250 |  |  | $ | 10,997 |  |  | $ | 1,643 |  |  | $ | 227,510 |
Agricultural | — |  |  | 215 |  |  | — |  |  | — |  |  | — |  |  | 215 |
Commercial mortgages: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction | — |  |  | 48,682 |  |  | — |  |  | 87 |  |  | — |  |  | 48,769 |
Commercial mortgages | — |  |  | 572,663 |  |  | 10,976 |  |  | 16,522 |  |  | 4,475 |  |  | 604,636 |
Residential mortgages | 182,114 |  |  | — |  |  | — |  |  | 2,455 |  |  | — |  |  | 184,569 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines and loans | 92,030 |  |  | — |  |  | — |  |  | 722 |  |  | — |  |  | 92,752 |
Indirect consumer loans | 136,227 |  |  | — |  |  | — |  |  | 613 |  |  | — |  |  | 136,840 |
Direct consumer loans | 15,023 |  |  | — |  |  | — |  |  | 6 |  |  | — |  |  | 15,029 |
Total | $ | 425,394 |  |  | $ | 832,180 |  |  | $ | 15,226 |  |  | $ | 31,402 |  |  | $ | 6,118 |  |  | $ | 1,310,320 |
| December 31, 2018
| Not Rated |  | Pass |  | Special Mention |  | Substandard |  | Doubtful |  | Total
Commercial and agricultural: |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | — |  |  | $ | 190,666 |  |  | $ | 4,452 |  |  | $ | 6,222 |  |  | $ | 1,743 |  |  | $ | 203,083 |
Agricultural | — |  |  | 329 |  |  | — |  |  | — |  |  | — |  |  | 329 |
Commercial mortgages: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction | — |  |  | 54,517 |  |  | — |  |  | 109 |  |  | — |  |  | 54,626 |
Commercial mortgages | — |  |  | 574,221 |  |  | 16,830 |  |  | 15,948 |  |  | 1,363 |  |  | 608,362 |
Residential mortgages | 180,570 |  |  | — |  |  | — |  |  | 2,655 |  |  | — |  |  | 183,225 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit cards | 1,450 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,450 |
Home equity lines and loans | 97,283 |  |  | — |  |  | — |  |  | 1,183 |  |  | — |  |  | 98,466 |
Indirect consumer loans | 149,113 |  |  | — |  |  | — |  |  | 693 |  |  | — |  |  | 149,806 |
Direct consumer loans | 16,225 |  |  | — |  |  | — |  |  | 37 |  |  | — |  |  | 16,262 |
Total | $ | 444,641 |  |  | $ | 819,733 |  |  | $ | 21,282 |  |  | $ | 26,847 |  |  | $ | 3,106 |  |  | $ | 1,315,609 |
Recorded investment in residential and consumer loans based on payment activity | The following tables present the recorded investment in residential and consumer loans based on payment activity as of September 30, 2019 and December 31, 2018 (in thousands):
| September 30, 2019
|  |  | Consumer Loans
| Residential Mortgages |  | Credit Card |  | Home Equity Lines and Loans |  | Indirect Consumer Loans |  | Other Direct Consumer Loans
Performing | $ | 182,114 |  |  | $ | — |  |  | $ | 92,030 |  |  | $ | 136,227 |  |  | $ | 15,023 |
Non-Performing | 2,455 |  |  | — |  |  | 722 |  |  | 613 |  |  | 6 |
| $ | 184,569 |  |  | $ | — |  |  | $ | 92,752 |  |  | $ | 136,840 |  |  | $ | 15,029 |
| December 31, 2018
|  |  | Consumer Loans
| Residential Mortgages |  | Credit Card |  | Home Equity Lines and Loans |  | Indirect Consumer Loans |  | Other Direct Consumer Loans
Performing | $ | 180,570 |  |  | $ | 1,450 |  |  | $ | 97,283 |  |  | $ | 149,113 |  |  | $ | 16,225 |
Non-Performing | 2,655 |  |  | — |  |  | 1,183 |  |  | 693 |  |  | 37 |
| $ | 183,225 |  |  | $ | 1,450 |  |  | $ | 98,466 |  |  | $ | 149,806 |  |  | $ | 16,262 |

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- Definition Tabular disclosure of residential and consumer receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of residential and consumer 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 No definition available. + Details
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