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Allowance for Loan and Lease Losses
3 Months Ended
Mar. 31, 2017
Receivables [Abstract]  
Allowance for Loan and Lease Losses
Allowance for Loan and Lease Losses
 
Originated Loans and Leases
 
Management reviews the appropriateness of the allowance for loan and lease losses (“allowance”) on a regular basis. Management considers the accounting policy relating to the allowance to be a critical accounting policy, given the inherent uncertainty in evaluating the levels of the allowance required to cover credit losses in the portfolio and the material effect that assumptions could have on the Company’s results of operations. The Company has developed a methodology to measure the amount of estimated loan loss exposure inherent in the loan portfolio to assure that an appropriate allowance is maintained. The Company’s methodology is based upon guidance provided in SEC Staff Accounting Bulletin No. 102, Selected Loan Loss Allowance Methodology and Documentation Issues and ASC Topic 310, Receivables and ASC Topic 450, Contingencies.
 
The model is comprised of four major components that management has deemed appropriate in evaluating the appropriateness of the allowance for loan and lease losses. While none of these components, when used independently, is effective in arriving at a reserve level that appropriately measures the risk inherent in the portfolio, management believes that using them collectively, provides reasonable measurement of the loss exposure in the portfolio. The four components include: impaired loans; individually reviewed and graded loans; historical loss experience; and qualitative or subjective analysis.
 
Since the methodology is based upon historical experience and trends as well as management’s judgment, factors may arise that result in different estimates. Significant factors that could give rise to changes in these estimates may include, but are not limited to, changes in economic conditions in the local area, concentration of risk, changes in interest rates, and declines in local property values. While management’s evaluation of the allowance as of March 31, 2017, considers the allowance to be appropriate, under adversely different conditions or assumptions, the Company would need to increase or decrease the allowance.
 
Acquired Loans and Leases
 
Acquired loans accounted for under ASC 310-30
 
For our acquired loans, our allowance for loan losses is estimated based upon our expected cash flows for these loans. To the extent that we experience a deterioration in borrower credit quality resulting in a decrease in our expected cash flows subsequent to the acquisition of the loans, an allowance for loan losses would be established based on our estimate of future credit losses over the remaining life of the loans.
 
Acquired loans accounted for under ASC 310-20
 
We establish our allowance for loan losses through a provision for credit losses based upon an evaluation process that is similar to our evaluation process used for originated loans. This evaluation, which includes a review of loans on which full collectability may not be reasonably assured, considers, among other matters, the estimated fair value of the underlying collateral, economic conditions, historical net loan loss experience, carrying value of the loans, which includes the remaining net purchase discount or premium, and other factors that warrant recognition in determining our allowance for loan losses.
 
The following tables detail activity in the allowance for loan and lease losses segregated by originated and acquired loan and lease portfolios and by portfolio segment for the three months ended March 31, 2017 and 2016. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories.
 
Three months ended March 31, 2017
 
 

 
 

 
 

 
 

(in thousands)
Commercial
and Industrial

 
Commercial
Real Estate

 
Residential
Real Estate

 
Consumer
and Other

 
Finance
Leases

 
Total

Allowance for originated loans and leases
Beginning balance
$
9,389

 
$
19,836

 
$
5,149

 
$
1,224

 
$
0

 
$
35,598

 
 
 
 
 
 
 
 
 
 
 
 
Charge-offs
(75
)
 
(21
)
 
(374
)
 
(280
)
 
0

 
(750
)
Recoveries
76

 
235

 
27

 
127

 
0

 
465

Provision (credit)
883

 
(936
)
 
584

 
71

 


 
602

Ending Balance
$
10,273

 
$
19,114

 
$
5,386

 
$
1,142

 
$
0

 
$
35,915

 
Three months ended March 31, 2017
 
 

 
 

 
 

 
 

(in thousands)
Commercial
and Industrial

 
Commercial
Real Estate

 
Residential
Real Estate

 
Consumer
and Other

 
Finance
Leases

 
Total

Allowance for acquired loans
 
 

 
 

 
 

 
 

 
 

Beginning balance
$
0

 
$
97

 
$
54

 
$
6

 
$
0

 
$
157

 
 
 
 
 
 
 
 
 
 
 
 
Charge-offs
(9
)
 
(74
)
 
0

 
0

 
0

 
(83
)
Recoveries
0

 
10

 
0

 
0

 
0

 
10

Provision (credit)
9

 
43

 
115

 
0

 
0

 
167

Ending Balance
$
0

 
$
76

 
$
169

 
$
6

 
$
0

 
$
251

 
Three months ended March 31, 2016
 
 

 
 

 
 

 
 

(in thousands)
Commercial
and Industrial

 
Commercial
Real Estate

 
Residential
Real Estate

 
Consumer
and Other

 
Finance
Leases

 
Total

Allowance for originated loans and leases
 
 

 
 

 
 

 
 

 
 

Beginning balance
$
10,495

 
$
15,479

 
$
4,070

 
$
1,268

 
$
0

 
$
31,312

 
 
 
 
 
 
 
 
 
 
 
 
Charge-offs
(115
)
 
0

 
(200
)
 
(246
)
 
0

 
(561
)
Recoveries
18

 
211

 
17

 
112

 
0

 
358

Provision (credit)
(1,107
)
 
1,418

 
388

 
173

 
0

 
872

Ending Balance
$
9,291

 
$
17,108

 
$
4,275

 
$
1,307

 
$
0

 
$
31,981

 
Three months ended March 31, 2016
 
 

 
 

 
 

 
 

(in thousands)
Commercial
and Industrial

 
Commercial
Real Estate

 
Residential
Real Estate

 
Consumer
and Other

 
Covered
Loans

 
Total

Allowance for acquired loans
 
 

 
 

 
 

 
 

 
 

Beginning balance
$
433

 
$
61

 
$
198

 
$
0

 
$
0

 
$
692

 
 
 
 
 
 
 
 
 
 
 


Charge-offs
(63
)
 
0

 
(16
)
 
(93
)
 
0

 
(172
)
Recoveries
0

 
46

 
0

 
0

 
0

 
46

Provision (credit)
63

 
(74
)
 
(123
)
 
117

 
0

 
(17
)
Ending Balance
$
433

 
$
33

 
$
59

 
$
24

 
$
0

 
$
549

 
 
At March 31, 2017 and December 31, 2016, the allocation of the allowance for loan and lease losses summarized on the basis of the Company’s impairment methodology was as follows:
 
(in thousands)
Commercial
and Industrial

 
Commercial
Real Estate

 
Residential
Real Estate

 
Consumer
and Other

 
Finance
Leases

 
Total

Allowance for originated loans and leases
 
 

 
 

March 31, 2017
 
 

 
 

 
 

 
 

 
 

Individually evaluated for impairment
$
45

 
$
224

 
$
0

 
$
0

 
$
0

 
$
269

Collectively evaluated for impairment
10,228

 
18,890

 
5,386

 
1,142

 
0

 
35,646

Ending balance
$
10,273

 
$
19,114

 
$
5,386

 
$
1,142

 
$
0

 
$
35,915

 
(in thousands)
Commercial
and Industrial

 
Commercial Real Estate

 
Residential Real Estate

 
Consumer
and Other

 
Covered Loans

 
Total

Allowance for acquired loans
 

 
 

 
 

 
 

 
 

 
 

March 31, 2017
 

 
 

 
 

 
 

 
 

 
 

Individually evaluated for impairment
$
0

 
$
76

 
$
120

 
$
0

 
$
0

 
$
196

Collectively evaluated for impairment
0

 
0

 
49

 
6

 
0

 
55

Ending balance
$
0

 
$
76

 
$
169

 
$
6

 
$
0

 
$
251

(in thousands)
Commercial and Industrial

 
Commercial Real Estate

 
Residential Real Estate

 
Consumer
and Other

 
Finance Leases

 
Total

Allowance for originated loans and leases
 
 

 
 

 
 

 
 

 
 

December 31, 2016
 

 
 

 
 

 
 

 
 

 
 

Individually evaluated for impairment
$
95

 
$
322

 
$
0

 
$
0

 
$
0

 
$
417

Collectively evaluated for impairment
9,294

 
19,514

 
5,149

 
1,224

 
0

 
35,181

Ending balance
$
9,389

 
$
19,836

 
$
5,149

 
$
1,224

 
$
0

 
$
35,598

(in thousands)
Commercial and Industrial

 
Commercial Real Estate

 
Residential Real Estate

 
Consumer
and Other

 
Covered Loans

 
Total

Allowance for acquired loans
 

 
 

 
 

 
 

 
 

 
 

December 31, 2016
 

 
 

 
 

 
 

 
 

 
 

Individually evaluated for impairment
$
0

 
$
76

 
$
0

 
$
0

 
$
0

 
$
76

Collectively evaluated for impairment
0

 
21

 
54

 
6

 
0

 
81

Ending balance
$
0

 
$
97

 
$
54

 
$
6

 
$
0

 
$
157


 
The recorded investment in loans and leases summarized on the basis of the Company’s impairment methodology as of March 31, 2017 and December 31, 2016 was as follows:
(in thousands)
Commercial and Industrial

 
Commercial Real Estate

 
Residential Real Estate

 
Consumer
and Other

 
Finance Leases

 
Total

Originated loans and leases
 

 
 

 
 

 
 

 
 

 
 

March 31, 2017
 

 
 

 
 

 
 

 
 

 
 

Individually evaluated for impairment
$
241

 
$
8,706

 
$
3,492

 
$
0

 
$
0

 
$
12,439

Collectively evaluated for impairment
975,128

 
1,691,351

 
1,175,401

 
56,617

 
15,615

 
3,914,112

Total
$
975,369

 
$
1,700,057

 
$
1,178,893

 
$
56,617

 
$
15,615

 
$
3,926,551


(in thousands)
Commercial and Industrial

 
Commercial Real Estate

 
Residential Real Estate

 
Consumer 
and Other

 
Covered Loans

 
Total

Acquired loans
 

 
 

 
 

 
 

 
 

 
 

March 31, 2017
 

 
 

 
 

 
 

 
 

 
 

Individually evaluated for impairment
$
170

 
$
1,672

 
$
1,451

 
$
0

 
$
0

 
$
3,293

Loans acquired with deteriorated credit quality
372

 
12,497

 
7,158

 
0

 
0

 
20,027

Collectively evaluated for impairment
78,814

 
220,939

 
51,506

 
801

 
0

 
352,060

Total
$
79,356

 
$
235,108

 
$
60,115

 
$
801

 
$
0

 
$
375,380

 
(in thousands)
Commercial and Industrial

 
Commercial Real Estate

 
Residential Real Estate

 
Consumer 
and Other

 
Finance Leases

 
Total

Originated loans and leases
 

 
 

 
 

 
 

 
 

 
 

December 31, 2016
 

 
 

 
 

 
 

 
 

 
 

Individually evaluated for impairment
$
635

 
$
8,812

 
$
3,507

 
$
0

 
$
0

 
$
12,954

Collectively evaluated for impairment
964,667

 
1,661,221

 
1,153,148

 
59,228

 
16,650

 
3,854,914

Total
$
965,302

 
$
1,670,033

 
$
1,156,655

 
$
59,228

 
$
16,650

 
$
3,867,868

 
(in thousands)
Commercial and Industrial

 
Commercial Real Estate

 
Residential Real Estate

 
Consumer 
and Other

 
Covered Loans

 
Total

Acquired loans
 

 
 

 
 

 
 

 
 

 
 

December 31, 2016
 

 
 

 
 

 
 

 
 

 
 

Individually evaluated for impairment
$
172

 
$
4,081

 
$
1,372

 
$
0

 
$
0

 
$
5,625

Loans acquired with deteriorated credit quality
448

 
14,368

 
7,701

 
0

 
0

 
22,517

Collectively evaluated for impairment
78,697

 
232,359

 
54,087

 
826

 
0

 
365,969

Total
$
79,317

 
$
250,808

 
$
63,160

 
$
826

 
$
0

 
$
394,111


 
A loan is impaired when, based on current information and events, it is probable that we will be unable to collect all amounts due according to the contractual terms of the loan agreement. Impaired loans consist of our non-homogenous nonaccrual loans, and all loans restructured in a troubled debt restructuring (TDR). Specific reserves on individually identified impaired loans that are not collateral dependent are measured based on the present value of expected future cash flows discounted at the original effective interest rate of each loan. For loans that are collateral dependent, impairment is measured based on the fair value of the collateral less estimated selling costs, and such impaired amounts are generally charged off. The majority of impaired loans are collateral dependent impaired loans that have limited exposure or require limited specific reserves because of the amount of collateral support with respect to these loans, and previous charge-offs. Interest payments on impaired loans are typically applied to principal unless collectability of the principal amount is reasonably assured. In these cases, interest is recognized on a cash basis. Impaired loans are as follows:
 
 
3/31/2017
 
12/31/2016
(in thousands)
Recorded Investment
 
Unpaid Principal Balance
 
Related Allowance
 
Recorded Investment
 
Unpaid Principal Balance
 
Related Allowance
Originated loans and leases with no related allowance
 
 

 
 

 
 

 
 

 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
 

 
 

 
 

 
 

 
 

 
 

Commercial and industrial other
$
169

 
$
187

 
$
0

 
$
276

 
$
370

 
$
0

Commercial real estate
 

 
 

 
 

 
 

 
 

 
 

Commercial real estate other
8,112

 
8,626

 
0

 
6,979

 
7,263

 
0

Residential real estate
 

 
 

 
 

 
 

 
 

 
 

Home equity
3,492

 
3,521

 
0

 
3,507

 
3,535

 
0

Subtotal
$
11,773

 
$
12,334

 
$
0

 
$
10,762

 
$
11,168

 
$
0

 
 
 
 
 
 
 
 
 
 
 
 
Originated loans and leases with related allowance
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
 

 
 

 
 

 
 

 
 

 
 

Commercial and industrial other
72

 
72

 
45

 
359

 
276

 
95

Commercial real estate
 

 
 

 
 

 
 

 
 

 
 

Commercial real estate other
594

 
594

 
224

 
1,833

 
2,042

 
322

Subtotal
$
666

 
$
666

 
$
269

 
$
2,192

 
$
2,318

 
$
417

Total
$
12,439

 
$
13,000

 
$
269

 
$
12,954

 
$
13,486

 
$
417

 
 
3/31/2017
 
12/31/2016
(in thousands)
Recorded Investment
 
Unpaid Principal Balance
 
Related Allowance
 
Recorded Investment
 
Unpaid Principal Balance
 
Related Allowance
Acquired loans and leases with no related allowance
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
 

 
 

 
 

 
 

 
 

 
 

Commercial and industrial other
$
170

 
$
470

 
$
0

 
$
172

 
$
472

 
$
0

Commercial real estate
 

 
 

 
 

 
 

 
 

 
 

Construction
0

 
0

 
0

 
0

 
0

 
0

Commercial real estate other
1,476

 
1,659

 
0

 
4,003

 
4,386

 
0

Residential real estate
 

 
 

 
 

 
 

 
 

 
 

Home equity
1,451

 
1,480

 
0

 
1,372

 
1,372

 
0

Subtotal
$
3,097

 
$
3,609

 
$
0

 
$
5,547

 
$
6,230

 
$
0

 
 
 
 
 
 
 
 
 
 
 
 
Acquired loans and leases with related allowance
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate
 

 
 

 
 

 
 

 
 

 
 

Commercial real estate other
76

 
76

 
76

 
78

 
78

 
76

Residential real estate
 
 
 
 
 
 
 
 
 
 
 
Home equity
120

 
120

 
120

 
0

 
0

 
0

Subtotal
$
196

 
$
196

 
$
196

 
$
78

 
$
78

 
$
76

Total
$
3,293

 
$
3,805

 
$
196

 
$
5,625

 
$
6,308

 
$
76


The average recorded investment and interest income recognized on impaired loans for the three months ended March 31, 2017 and 2016 was as follows:
 
 
Three Months Ended 03/31/2017
 
Three Months Ended 03/31/16
(in thousands)
Average Recorded Investment
 
Interest Income Recognized
 
Average Recorded Investment
 
Interest Income Recognized
Originated loans and leases with no related allowance
 

 
 

 
 

 
 

Commercial and industrial
 

 
 

 
 

 
 

Commercial and industrial other
280

 
0

 
624

 
0

Commercial real estate
 

 
 

 
 

 
 

Commercial real estate other
8,162

 
0

 
5,699

 
0

Residential real estate
 

 
 

 
 

 
 

Home equity
3,488

 
0

 
2,290

 
0

Subtotal
$
11,930

 
$
0

 
$
8,613

 
$
0

 
 
 
 
 
 
 
 
Originated loans and leases with related allowance
 

 
 

 
 

 
 

 
 
 
 
 
 
 
 
Commercial and industrial
 

 
 

 
 

 
 

Commercial and industrial other
155

 
0

 
4

 
0

Commercial real estate
 

 
 

 
 

 
 

Commercial real estate other
597

 
0

 
587

 
0

Subtotal
$
752

 
$
0

 
$
591

 
$
0

Total
$
12,682

 
$
0

 
$
9,204

 
$
0

 
 
Three Months Ended 03/31/2017
 
Three Months Ended 03/31/2016
(in thousands)
Average Recorded Investment
 
Interest Income Recognized
 
Average Recorded Investment
 
Interest Income Recognized
Acquired loans and leases with no related allowance
 

 
 

 
 

 
 

Commercial and industrial
 

 
 

 
 

 
 

Commercial and industrial other
165

 
0

 
594

 
0

Commercial real estate
 

 
 

 
 

 
 

Construction
0

 
0

 
359

 
0

Commercial real estate other
2,746

 
0

 
5,176

 
0

Residential real estate
 

 
 

 
 

 
 

Home equity
1,411

 
0

 
893

 
0

Subtotal
$
4,322

 
$
0

 
$
7,022

 
$
0

 
 
 
 
 
 
 
 
Acquired loans and leases with related allowance
 

 
 

 
 

 
 

 
 
 
 
 
 
 
 
Commercial and industrial
 

 
 

 
 

 
 

Commercial and industrial other
0

 
0

 
518

 
0

Commercial real estate
 

 
 

 
 

 
 

Commercial real estate other
77

 
0

 
32

 
0

Residential real estate
 
 
 
 
 
 
 
  Home equity
60

 
0

 
0

 
0

Subtotal
$
137

 
$
0

 
$
550

 
$
0

Total
$
4,459

 
$
0

 
$
7,572

 
$
0

 
Loans are considered modified in a TDR when, due to a borrower’s financial difficulties, the Company makes concessions to the borrower that it would not otherwise consider. These modifications may include, among others, an extension for the term of the loan, and granting a period when interest-only payments can be made with the principal payments made over the remaining term of the loan or at maturity.
 
The following tables present information on loans modified in troubled debt restructuring during the periods indicated.
March 31, 2017
Three Months Ended
 
 
 
 
 
 
 
Defaulted TDRs2 
 (in thousands)
Number of Loans
 
Pre-Modification Outstanding Recorded Investment
 
Post-Modification Outstanding Recorded Investment
 
Number of Loans
 
Post-Modification Outstanding Recorded Investment
Residential real estate
 

 
 

 
 

 
 

 
 

Home equity1 
1

 
73

 
73

 
1

 
55

 Total
1

 
$
73

 
$
73

 
1

 
$
55

Represents the following concessions:  extension of term and reduction of rate.
TDRs that defaulted during the three months ended March 31, 2017 that were restructured in the prior twelve months.
 
March 31, 2016
Three Months Ended
 
 
 
 
 
 
 
Defaulted TDRs3 
 (in thousands)
Number of Loans
 
Pre-Modification Outstanding Recorded Investment
 
Post-Modification Outstanding Recorded Investment
 
Number of Loans
 
Post-Modification Outstanding Recorded Investment
Commercial and industrial
 
 
 
 
 
 
 
 
 
Commercial and industrial other1 
2

 
$
1,115

 
$
1,115

 
0

 
$
0

Residential real estate
 

 
 

 
 

 
 

 
 

Home equity2 
3

 
169

 
169

 
0

 
0

Total
5

 
$
1,284

 
$
1,284

 
0

 
$
0

Represents the following concessions:  extension of term and reduction of rate.
Represents the following concessions:  extension of term and reduction of rate.
TDRs that defaulted during the three months ended March 31, 2016 that had been restructured in the prior twelve months.
 
The following tables present credit quality indicators (internal risk grade) by class of commercial and industrial loans and commercial real estate loans as of March 31, 2017 and December 31, 2016.
 
March 31, 2017
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and Industrial
 
Commercial and Industrial
 
CommercialReal Estate
 
CommercialReal Estate
 
CommercialReal Estate
 
 
(in thousands)
Other
 
Agriculture
 
Other
 
Agriculture
 
Construction
 
Total

Originated Loans and Leases
 

 
 

 
 

 
 

 
 

 
 

Internal risk grade:
 

 
 

 
 

 
 

 
 

 
 

Pass
$
875,097

 
$
87,119

 
$
1,417,648

 
$
113,108

 
$
142,685

 
$
2,635,657

Special Mention
6,780

 
1,813

 
7,083

 
3,185

 
0

 
18,861

Substandard
4,493

 
67

 
15,959

 
389

 
0

 
20,908

Total
$
886,370

 
$
88,999

 
$
1,440,690

 
$
116,682

 
$
142,685

 
$
2,675,426

 
March 31, 2017
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and Industrial
 
Commercial and Industrial
 
Commercial Real Estate
 
Commercial Real Estate
 
Commercial Real Estate
 
 
(in thousands)
Other
 
Agriculture
 
Other
 
Agriculture
 
Construction
 
Total

Acquired Loans and Leases
 

 
 

 
 

 
 

 
 

 
 

Internal risk grade:
 

 
 

 
 

 
 

 
 

 
 

Pass
$
78,030

 
$
0

 
$
224,477

 
$
262

 
$
1,548

 
$
304,317

Special Mention
0

 
0

 
519

 
0

 
0

 
519

Substandard
1,326

 
0

 
8,302

 
0

 
0

 
9,628

Total
$
79,356

 
$
0

 
$
233,298

 
$
262

 
$
1,548

 
$
314,464

 
December 31, 2016
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and Industrial
 
Commercial and Industrial
 
Commercial Real Estate
 
Commercial Real Estate
 
Commercial Real Estate
 
 
(in thousands)
Other
 
Agriculture
 
Other
 
Agriculture
 
Construction
 
Total

Originated Loans and Leases
Internal risk grade:
 

 
 

 
 

 
 

 
 

 
 

Pass
$
836,788

 
$
117,135

 
$
1,403,370

 
$
101,407

 
$
135,834

 
$
2,594,534

Special Mention
7,218

 
755

 
11,939

 
573

 
0

 
20,485

Substandard
3,049

 
357

 
16,381

 
529

 
0

 
20,316

Total
$
847,055

 
$
118,247

 
$
1,431,690

 
$
102,509

 
$
135,834

 
$
2,635,335

 
December 31, 2016
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and Industrial
 
Commercial and Industrial
 
Commercial Real Estate
 
Commercial Real Estate
 
Commercial Real Estate
 
 
(in thousands)
Other
 
Agriculture
 
Other
 
Agriculture
 
Construction
 
Total

Acquired Loans and Leases
Internal risk grade:
 

 
 

 
 

 
 

 
 

 
 

Pass
$
77,921

 
$
0

 
$
229,334

 
$
267

 
$
8,936

 
$
316,458

Special Mention
0

 
0

 
526

 
0

 
0

 
526

Substandard
1,396

 
0

 
11,745

 
0

 
0

 
13,141

Total
$
79,317

 
$
0

 
$
241,605

 
$
267

 
$
8,936

 
$
330,125

 
The following tables present credit quality indicators by class of residential real estate loans and by class of consumer loans. Nonperforming loans include nonaccrual, impaired, and loans 90 days past due and accruing interest. All other loans are considered performing as of March 31, 2017 and December 31, 2016. For purposes of this footnote, acquired loans that were recorded at fair value at the acquisition date and are 90 days or greater past due are considered performing.
 
March 31, 2017
 
 
 
 
 
 
 
 
 
(in thousands)
Residential
Home Equity
 
Residential
Mortgages
 
Consumer
Indirect
 
Consumer
Other
 
Total
Originated Loans and Leases
 

 
 

 
 

 
 

 
 

Performing
$
208,473

 
$
963,494

 
$
13,683

 
$
42,755

 
$
1,228,405

Nonperforming
1,267

 
5,659

 
170

 
9

 
7,105

Total
$
209,740

 
$
969,153

 
$
13,853

 
$
42,764

 
$
1,235,510

 
March 31, 2017
 
 
 
 
 
 
 
 
 
(in thousands)
Residential
Home Equity
 
Residential
Mortgages
 
Consumer
Indirect
 
Consumer
Other
 
Total
Acquired Loans and Leases
 

 
 

 
 

 
 

 
 

Performing
$
34,292

 
$
22,952

 
$
0

 
$
801

 
$
58,045

Nonperforming
999

 
1,872

 
0

 
0

 
2,871

Total
$
35,291

 
$
24,824

 
$
0

 
$
801

 
$
60,916

 
December 31, 2016
(in thousands)
Residential
Home Equity
 
Residential
Mortgages
 
Consumer
Indirect
 
Consumer
Other
 
Total
Originated Loans and Leases
 

 
 

 
 

 
 

 
 

Performing
$
207,261

 
$
941,936

 
$
14,669

 
$
44,393

 
$
1,208,259

Nonperforming
2,016

 
5,442

 
166

 
0

 
7,624

Total
$
209,277

 
$
947,378

 
$
14,835

 
$
44,393

 
$
1,215,883


 
December 31, 2016
(in thousands)
Residential
Home Equity
 
Residential
Mortgages
 
Consumer
Indirect
 
Consumer
Other
 
Total
Acquired Loans and Leases
 

 
 

 
 

 
 

 
 

Performing
$
37,074

 
$
24,483

 
$
0

 
$
826

 
$
62,383

Nonperforming
663

 
940

 
0

 
0

 
1,603

Total
$
37,737

 
$
25,423

 
$
0

 
$
826

 
$
63,986