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Allowance for Loan Losses and Credit Quality of Loans (Tables)
 6 Months Ended
Jun. 30, 2014
Allowance for Loan Losses and Credit Quality of Loans [Abstract]  
Allowance for loan losses by portfolio
The following tables illustrate the changes in the allowance for loan losses by our portfolio segments for the three and six months ended June 30, 2014 and 2013:

 
 
  
  
Residential
  
  
 
Three months ended June 30
 
Commercial
  
Consumer
  
Real Estate
  
  
 
 
 
Loans
  
Loans
  
Mortgages
  
Unallocated
  
Total
 
Balance as of March 31, 2014
 
$
34,437
  
$
28,436
  
$
6,225
  
$
336
  
$
69,434
 
Charge-offs
  
(1,427
)
  
(3,648
)
  
(165
)
  
-
   
(5,240
)
Recoveries
  
314
   
714
   
146
   
-
   
1,174
 
Provision
  
1,799
   
2,471
   
(1
)
  
(103
)
  
4,166
 
Ending Balance as of June 30, 2014
 
$
35,123
  
$
27,973
  
$
6,205
  
$
233
  
$
69,534
 
 
                    
Balance as of March 31, 2013
 
$
35,358
  
$
26,285
  
$
6,708
  
$
383
  
$
68,734
 
Charge-offs
  
(1,198
)
  
(3,653
)
  
(302
)
  
-
   
(5,153
)
Recoveries
  
416
   
696
   
89
   
-
   
1,201
 
Provision
  
3,128
   
3,128
   
311
   
(165
)
  
6,402
 
Ending Balance as of June 30, 2013
 
$
37,704
  
$
26,456
  
$
6,806
  
$
218
  
$
71,184
 

 
 
  
  
Residential
  
  
 
Six months ended June 30,
 
Commercial
  
Consumer
  
Real Estate
  
  
 
 
 
Loans
  
Loans
  
Mortgages
  
Unallocated
  
Total
 
Balance as of December 31, 2013
 
$
35,090
  
$
27,694
  
$
6,520
  
$
130
  
$
69,434
 
Charge-offs
  
(1,906
)
  
(7,680
)
  
(484
)
  
-
   
(10,070
)
Recoveries
  
713
   
1,455
   
240
   
-
   
2,408
 
Provision
  
1,226
   
6,504
   
(71
)
  
103
   
7,762
 
Ending Balance as of June 30, 2014
 
$
35,123
  
$
27,973
  
$
6,205
  
$
233
  
$
69,534
 
 
                    
Balance as of December 31, 2012
 
$
35,624
  
$
27,162
  
$
6,252
  
$
296
  
$
69,334
 
Charge-offs
  
(4,520
)
  
(7,376
)
  
(973
)
  
-
   
(12,869
)
Recoveries
  
883
   
1,673
   
103
   
-
   
2,659
 
Provision
  
5,717
   
4,997
   
1,424
   
(78
)
  
12,060
 
Ending Balance as of June 30, 2013
 
$
37,704
  
$
26,456
  
$
6,806
  
$
218
  
$
71,184
 

The following tables illustrate the allowance for loan losses and the recorded investment by portfolio segments as of June 30, 2014 and December 31, 2013:
 
Allowance for Loan Losses and Recorded Investment in Loans
(in thousands)
 
 
 
  
  
Residential
  
  
 
 
 
Commercial
  
Consumer
  
Real Estate
  
  
 
 
 
Loans
  
Loans
  
Mortgages
  
Unallocated
  
Total
 
As of June 30, 2014
 
  
  
  
  
 
Allowance for loan losses
 
$
35,123
  
$
27,973
  
$
6,205
  
$
233
  
$
69,534
 
 
                    
Allowance for loans individually evaluated for impairment
  
2,100
   
-
   
-
       
2,100
 
 
                    
Allowance for loans collectively evaluated for impairment
 
$
33,023
  
$
27,973
  
$
6,205
  
$
233
  
$
67,434
 
 
                    
Ending balance of loans
 
$
2,476,246
  
$
2,025,035
  
$
1,073,207
      
$
5,574,488
 
 
                    
Ending balance of originated loans individually evaluated for impairment
  
13,874
   
5,600
   
2,738
       
22,212
 
Ending balance of acquired loans individually evaluated for impairment
  
9,672
   
-
   
-
       
9,672
 
Ending balance of acquired loans collectively evaluated for impairment
  
367,818
   
179,253
   
289,405
       
836,476
 
Ending balance of originated loans collectively evaluated for impairment
 
$
2,084,882
  
$
1,840,182
  
$
781,064
      
$
4,706,128
 
 
                    
As of December 31, 2013
                    
Allowance for loan losses
 
$
35,090
  
$
27,694
  
$
6,520
  
$
130
  
$
69,434
 
 
                    
Allowance for loans individually evaluated for impairment
  
715
   
-
   
-
       
715
 
 
                    
Allowance for loans collectively evaluated for impairment
 
$
34,375
  
$
27,694
  
$
6,520
  
$
130
  
$
68,719
 
 
                    
Ending balance of loans
 
$
2,392,621
  
$
1,972,537
  
$
1,041,637
      
$
5,406,795
 
 
                    
Ending balance of originated loans individually evaluated for impairment
  
16,120
   
3,248
   
2,012
       
21,380
 
Ending balance of acquired loans individually evaluated for impairment
  
10,060
   
-
   
-
       
10,060
 
Ending balance of acquired loans collectively evaluated for impairment
  
392,329
   
219,587
   
308,416
       
920,332
 
Ending balance of originated loans collectively evaluated for impairment
 
$
1,974,112
  
$
1,749,702
  
$
731,209
      
$
4,455,023
 
Past due and nonperforming loans by loan class
The following table illustrates the Company’s nonaccrual loans by loan class:

Loans on Nonaccrual Status as of:
 
(In thousands)
 
June 30, 2014
  
December 31, 2013
 
ORIGINATED
 
  
 
Commercial Loans
 
  
 
Commercial
 
$
3,885
  
$
3,669
 
Commercial Real Estate
  
6,616
   
7,834
 
Agricultural
  
1,343
   
1,135
 
Agricultural Real Estate
  
1,590
   
961
 
Business Banking
  
6,008
   
5,701
 
 
  
19,442
   
19,300
 
 
        
Consumer Loans
        
Indirect
  
1,359
   
1,461
 
Home Equity
  
7,772
   
5,931
 
Direct
  
67
   
86
 
 
  
9,198
   
7,478
 
 
        
Residential Real Estate Mortgages
  
7,711
   
7,105
 
 
        
 
 
$
36,351
  
$
33,883
 
 
        
ACQUIRED
        
Commercial Loans
        
Commercial
 
$
6,339
  
$
6,599
 
Commercial Real Estate
  
3,429
   
3,559
 
Business Banking
  
954
   
1,340
 
 
  
10,722
   
11,498
 
 
        
Consumer Loans
        
Indirect
  
118
   
93
 
Home Equity
  
514
   
570
 
Direct
  
31
   
49
 
 
  
663
   
712
 
 
        
Residential Real Estate Mortgages
  
3,498
   
3,872
 
 
        
 
 
$
14,883
  
$
16,082
 
 
        
TOTAL NONACCRUAL LOANS
 
$
51,234
  
$
49,965
 
The following tables set forth information with regard to past due and nonperforming loans by loan class as of June 30, 2014 and December 31, 2013:

Age Analysis of Past Due Financing Receivables
As of June 30, 2014
(in thousands)
 
 
 
  
  
Greater Than
  
  
  
  
 
 
 
31-60 Days
  
61-90 Days
  
90 Days
  
Total
  
  
  
Recorded
 
 
 
Past Due
  
Past Due
  
Past Due
  
Past Due
  
  
  
Total
 
 
 
Accruing
  
Accruing
  
Accruing
  
Accruing
  
Non-Accrual
  
Current
  
Loans
 
ORIGINATED
 
  
  
  
  
  
  
 
Commercial Loans
 
  
  
  
  
  
  
 
Commercial
 
$
53
  
$
-
  
$
-
  
$
53
  
$
3,885
  
$
653,268
  
$
657,206
 
Commercial Real Estate
  
-
   
-
   
-
   
-
   
6,616
   
994,773
   
1,001,389
 
Agricultural
  
170
   
-
   
-
   
170
   
1,343
   
55,572
   
57,085
 
Agricultural Real Estate
  
4
   
-
   
-
   
4
   
1,590
   
40,768
   
42,362
 
Business Banking
  
869
   
451
   
-
   
1,320
   
6,008
   
333,386
   
340,714
 
 
  
1,096
   
451
   
-
   
1,547
   
19,442
   
2,077,767
   
2,098,756
 
 
                            
Consumer Loans
                            
Indirect
  
12,444
   
2,015
   
1,100
   
15,559
   
1,359
   
1,265,140
   
1,282,058
 
Home Equity
  
4,470
   
995
   
839
   
6,304
   
7,772
   
494,123
   
508,199
 
Direct
  
529
   
138
   
27
   
694
   
67
   
54,764
   
55,525
 
 
  
17,443
   
3,148
   
1,966
   
22,557
   
9,198
   
1,814,027
   
1,845,782
 
Residential Real Estate Mortgages
  
3,082
   
594
   
119
   
3,795
   
7,711
   
772,296
   
783,802
 
 
 
$
21,621
  
$
4,193
  
$
2,085
  
$
27,899
  
$
36,351
  
$
4,664,090
  
$
4,728,340
 
 
                            
ACQUIRED
                            
Commercial Loans
                            
Commercial
 
$
14
  
$
-
  
$
-
  
$
14
  
$
6,339
   
92,335
  
$
98,688
 
Commercial Real Estate
  
582
   
-
   
-
   
582
   
3,429
   
210,204
   
214,215
 
Business Banking
  
441
   
-
   
-
   
441
   
954
   
63,192
   
64,587
 
 
  
1,037
   
-
   
-
   
1,037
   
10,722
   
365,731
   
377,490
 
Consumer Loans
                            
Indirect
  
481
   
114
   
54
   
649
   
118
   
91,212
   
91,979
 
Home Equity
  
370
   
204
   
36
   
610
   
514
   
80,068
   
81,192
 
Direct
  
73
   
6
   
11
   
90
   
31
   
5,961
   
6,082
 
 
  
924
   
324
   
101
   
1,349
   
663
   
177,241
   
179,253
 
Residential Real Estate Mortgages
  
1,317
   
-
   
-
   
1,317
   
3,498
   
284,590
   
289,405
 
 
 
$
3,278
  
$
324
  
$
101
  
$
3,703
  
$
14,883
  
$
827,562
  
$
846,148
 
Total Loans
 
$
24,899
  
$
4,517
  
$
2,186
  
$
31,602
  
$
51,234
  
$
5,491,652
  
$
5,574,488
 
 
 
Age Analysis of Past Due Financing Receivables
As of December 31, 2013
(in thousands)
 
 
 
  
  
Greater Than
  
  
  
  
 
 
 
31-60 Days
  
61-90 Days
  
90 Days
  
Total
  
  
  
Recorded
 
 
 
Past Due
  
Past Due
  
Past Due
  
Past Due
  
  
  
Total
 
 
 
Accruing
  
Accruing
  
Accruing
  
Accruing
  
Non-Accrual
  
Current
  
Loans
 
ORIGINATED
 
  
  
  
  
  
  
 
Commercial Loans
 
  
  
  
  
  
  
 
Commercial
 
$
105
  
$
247
  
$
-
  
$
352
  
$
3,669
  
$
612,402
  
$
616,423
 
Commercial Real Estate
  
1,366
   
-
   
-
   
1,366
   
7,834
   
925,116
   
934,316
 
Agricultural
  
150
   
21
   
-
   
171
   
1,135
   
63,856
   
65,162
 
Agricultural Real Estate
  
519
   
-
   
-
   
519
   
961
   
35,172
   
36,652
 
Business Banking
  
1,228
   
122
   
105
   
1,455
   
5,701
   
330,523
   
337,679
 
 
  
3,368
   
390
   
105
   
3,863
   
19,300
   
1,967,069
   
1,990,232
 
 
                            
Consumer Loans
                            
Indirect
  
14,093
   
2,878
   
1,583
   
18,554
   
1,461
   
1,141,829
   
1,161,844
 
Home Equity
  
6,033
   
1,888
   
1,115
   
9,036
   
5,931
   
517,856
   
532,823
 
Direct
  
679
   
125
   
46
   
850
   
86
   
57,347
   
58,283
 
 
  
20,805
   
4,891
   
2,744
   
28,440
   
7,478
   
1,717,032
   
1,752,950
 
Residential Real Estate Mortgages
  
3,951
   
379
   
808
   
5,138
   
7,105
   
720,978
   
733,221
 
 
 
$
28,124
  
$
5,660
  
$
3,657
  
$
37,441
  
$
33,883
  
$
4,405,079
  
$
4,476,403
 
 
ACQUIRED
                            
Commercial Loans
                            
Commercial
 
$
24
  
$
-
  
$
-
  
$
24
  
$
6,599
  
$
96,603
  
$
103,226
 
Commercial Real Estate
  
-
   
-
   
-
   
-
   
3,559
   
225,455
   
229,014
 
Business Banking
  
320
   
2
   
-
   
322
   
1,340
   
68,487
   
70,149
 
 
  
344
   
2
   
-
   
346
   
11,498
   
390,545
   
402,389
 
 
                            
Consumer Loans
                            
Indirect
  
939
   
113
   
71
   
1,123
   
93
   
123,870
   
125,086
 
Home Equity
  
753
   
63
   
-
   
816
   
570
   
85,690
   
87,076
 
Direct
  
76
   
56
   
9
   
141
   
49
   
7,235
   
7,425
 
 
  
1,768
   
232
   
80
   
2,080
   
712
   
216,795
   
219,587
 
Residential Real Estate Mortgages
  
1,725
   
-
   
-
   
1,725
   
3,872
   
302,819
   
308,416
 
 
 
$
3,837
  
$
234
  
$
80
  
$
4,151
  
$
16,082
  
$
910,159
  
$
930,392
 
Total Loans
 
$
31,961
  
$
5,894
  
$
3,737
  
$
41,592
  
$
49,965
  
$
5,315,238
  
$
5,406,795
 
Impaired loans and specific reserve allocations
The following table provides information on loans specifically evaluated for impairment as of June 30, 2014 and December 31, 2013:
 
 
 
June 30, 2014
  
December 31, 2013
 
 
 
Recorded
  
Unpaid
  
  
Recorded
  
Unpaid
  
 
 
 
Investment
  
Principal
  
  
Investment
  
Principal
  
 
 
 
Balance
  
Balance
  
Related
  
Balance
  
Balance
  
Related
 
(in thousands)
 
(Book)
  
(Legal)
  
Allowance
  
(Book)
  
(Legal)
  
Allowance
 
ORIGINATED
 
  
  
  
  
  
 
With no related allowance recorded:
 
  
  
  
  
  
 
Commercial Loans
 
  
  
  
  
  
 
Commercial
 
$
2,000
  
$
2,096
  
  
$
4,721
  
$
4,777
  
 
Commercial Real Estate
  
6,854
   
7,823
  
   
4,613
   
5,164
  
 
Agricultural
  
119
   
189
  
   
125
   
195
  
 
Agricultural Real Estate
  
1,406
   
1,697
  
   
1,431
   
1,708
  
 
Business Banking
  
702
   
1,094
  
   
210
   
602
  
 
Total Commercial Loans
  
11,081
   
12,899
  
   
11,100
   
12,446
  
 
 
         
          
 
Consumer Loans
         
          
 
Home Equity
  
5,600
   
6,031
  
   
3,248
   
3,472
  
 
 
         
          
 
Residential Real Estate Mortgages
  
2,738
   
3,073
  
   
2,012
   
2,255
  
 
Total
  
19,419
   
22,003
  
   
16,360
   
18,173
  
 
 
         
          
 
With an allowance recorded:
         
          
 
Commercial Loans
         
          
 
Commercial Real Estate
  
2,793
   
4,649
   
600
   
5,020
   
6,877
   
715
 
 
                        
ACQUIRED
                        
With no related allowance recorded:
                        
Commercial Loans
                        
Commercial
  
-
   
-
       
6,501
   
6,538
     
Commercial Real Estate
  
3,430
   
3,836
       
3,559
   
3,842
     
Total Commercial Loans
  
3,430
   
3,836
       
10,060
   
10,380
     
 
                        
With an allowance recorded:
                        
Commercial Loans
                        
Commercial
  
6,242
   
6,496
   
1,500
   
-
   
-
   
-
 
 
                        
Total:
 
$
31,884
  
$
36,984
  
$
2,100
  
$
31,440
  
$
35,430
  
$
715
 
 
The following tables summarize the average recorded investments on impaired loans specifically evaluated for impairment and the interest income recognized for the three months ended June 30, 2014 and 2013:
 
 
 
For the three months ended
 
 
 
June 30, 2014
  
June 30, 2013
 
 
 
Average
  
  
Average
  
 
 
 
Recorded
  
Interest Income
  
Recorded
  
Interest Income
 
(in thousands)
 
Investment
  
Recognized
  
Investment
  
Recognized
 
ORIGINATED
 
  
  
  
 
Commercial Loans
 
  
  
  
 
Commercial
 
$
2,013
  
$
-
  
$
3,354
  
$
29
 
Commercial Real Estate
  
10,062
   
42
   
11,222
   
(51
)
Agricultural
  
123
   
-
   
201
   
(3
)
Agricultural Real Estate
  
1,412
   
12
   
896
   
12
 
Business Banking
  
548
   
11
   
78
   
3
 
Consumer Loans
                
Home Equity
  
5,289
   
60
   
2,967
   
29
 
Residential Real Estate Mortgage
  
2,803
   
26
   
1,998
   
17
 
Total Originated
 
$
22,250
  
$
151
  
$
20,716
  
$
36
 
 
                
ACQUIRED
                
Commercial Loans
                
Commercial
  
6,315
   
-
   
-
   
-
 
Commercial Real Estate
  
3,462
   
-
   
-
   
-
 
Total Acquired
 
$
9,777
  
$
-
  
$
-
  
$
-
 
 
                
Total Loans
 
$
32,027
  
$
151
  
$
20,716
  
$
36
 

 
 
For the six months ended
 
 
 
June 30, 2014
  
June 30, 2013
 
 
 
Average
  
  
Average
  
 
 
 
Recorded
  
Interest Income
  
Recorded
  
Interest Income
 
(in thousands)
 
Investment
  
Recognized
  
Investment
  
Recognized
 
ORIGINATED
 
  
  
  
 
Commercial Loans
 
  
  
  
 
Commercial
 
$
2,025
  
$
-
  
$
4,331
  
$
58
 
Commercial Real Estate
  
10,739
   
84
   
11,361
   
21
 
Agricultural
  
124
   
1
   
270
   
1
 
Agricultural Real Estate
  
1,418
   
23
   
898
   
24
 
Business Banking
  
429
   
23
   
79
   
3
 
Consumer Loans
                
Home Equity
  
4,959
   
103
   
2,944
   
58
 
Residential Real Estate Mortgage
  
2,778
   
50
   
2,028
   
28
 
Total Originated
  
22,472
   
284
   
21,911
   
193
 
 
                
ACQUIRED
                
Commercial Loans
                
Commercial
  
6,375
   
-
   
-
   
-
 
Commercial Real Estate
  
3,493
   
-
   
-
   
-
 
Total Acquired
 
$
9,868
  
$
-
  
$
-
  
$
-
 
 
                
Total Loans
 
$
32,339
  
$
284
  
$
21,911
  
$
193
 
Financing receivable credit quality by loan class
The following tables illustrate the Company’s credit quality by loan class as of June 30, 2014 and December 31, 2013:
 
Credit Quality Indicators
As of June 30, 2014
 
ORIGINATED
 
  
  
  
  
 
Commercial Credit Exposure
 
  
Commercial
  
  
Agricultural
  
 
By Internally Assigned Grade:
 
Commercial
  
Real Estate
  
Agricultural
  
Real Estate
  
Total
 
Pass
 
$
606,388
  
$
946,883
  
$
52,603
  
$
38,503
  
$
1,644,377
 
Special Mention
  
11,782
   
19,949
   
354
   
7
   
32,092
 
Substandard
  
39,036
   
34,557
   
4,052
   
3,852
   
81,497
 
Doubtful
  
-
   
-
   
76
   
-
   
76
 
Total
 
$
657,206
  
$
1,001,389
  
$
57,085
  
$
42,362
  
$
1,758,042
 
 
                    
Business Banking Credit Exposure
                    
By Internally Assigned Grade:
 
Business
Banking
              
Total
 
Non-classified
 
$
323,200
              
$
323,200
 
Classified
  
17,514
               
17,514
 
Total
 
$
340,714
              
$
340,714
 
 
                    
Consumer Credit Exposure
                    
By Payment Activity:
 
Indirect
  
Home Equity
  
Direct
      
Total
 
Performing
 
$
1,279,599
  
$
499,588
  
$
55,431
      
$
1,834,618
 
Nonperforming
  
2,459
   
8,611
   
94
       
11,164
 
Total
 
$
1,282,058
  
$
508,199
  
$
55,525
      
$
1,845,782
 
 
                    
Residential Mortgage Credit Exposure
 
Residential
                 
By Payment Activity:
 
Mortgage
              
Total
 
Performing
 
$
775,972
              
$
775,972
 
Nonperforming
  
7,830
               
7,830
 
Total
 
$
783,802
              
$
783,802
 
 
 
Credit Quality Indicators
As of June 30, 2014

ACQUIRED
 
  
  
  
 
Commercial Credit Exposure
 
  
Commercial
  
  
 
By Internally Assigned Grade:
 
Commercial
  
Real Estate
  
Agricultural
  
Total
 
Pass
 
$
84,842
  
$
197,499
  
$
-
  
$
282,341
 
Special Mention
  
4,339
   
2,478
   
-
   
6,817
 
Substandard
  
9,507
   
14,238
   
-
   
23,745
 
Total
 
$
98,688
  
$
214,215
  
$
-
  
$
312,903
 
 
                
Business Banking Credit Exposure
                
By Internally Assigned Grade:
 
Business
Banking
          
Total
 
Non-classified
 
$
59,227
          
$
59,227
 
Classified
  
5,360
           
5,360
 
Total
 
$
64,587
          
$
64,587
 
 
                
Consumer Credit Exposure
                
By Payment Activity:
 
Indirect
  
Home Equity
  
Direct
  
Total
 
Performing
 
$
91,807
  
$
80,642
  
$
6,040
  
$
178,489
 
Nonperforming
  
172
   
550
   
42
   
764
 
Total
 
$
91,979
  
$
81,192
  
$
6,082
  
$
179,253
 
 
                
Residential Mortgage Credit Exposure
 
Residential
             
By Payment Activity:
 
Mortgage
          
Total
 
Performing
 
$
285,907
          
$
285,907
 
Nonperforming
  
3,498
           
3,498
 
Total
 
$
289,405
          
$
289,405
 
 
 
Credit Quality Indicators
As of December 31, 2013

ORIGINATED
 
  
  
  
  
 
Commercial Credit Exposure
 
  
Commercial
  
  
Agricultural
  
 
By Internally Assigned Grade:
 
Commercial
  
Real Estate
  
Agricultural
  
Real Estate
  
Total
 
Pass
 
$
576,079
  
$
878,411
  
$
60,043
  
$
33,136
  
$
1,547,669
 
Special Mention
  
16,836
   
22,777
   
381
   
43
   
40,037
 
Substandard
  
23,508
   
33,128
   
4,726
   
3,473
   
64,835
 
Doubtful
  
-
   
-
   
12
   
-
   
12
 
Total
 
$
616,423
  
$
934,316
  
$
65,162
  
$
36,652
  
$
1,652,553
 
 
                    
Business Banking Credit Exposure
                    
By Internally Assigned Grade:
 
Business Banking
              
Total
 
Non-classified
 
$
319,578
              
$
319,578
 
Classified
  
18,101
               
18,101
 
Total
 
$
337,679
              
$
337,679
 
 
                    
Consumer Credit Exposure
                    
By Payment Activity:
 
Indirect
  
Home Equity
  
Direct
      
Total
 
Performing
 
$
1,158,800
  
$
525,777
  
$
58,151
      
$
1,742,728
 
Nonperforming
  
3,044
   
7,046
   
132
       
10,222
 
Total
 
$
1,161,844
  
$
532,823
  
$
58,283
      
$
1,752,950
 
 
                    
Residential Mortgage Credit Exposure
 
Residential
                 
By Payment Activity:
 
Mortgage
              
Total
 
Performing
 
$
725,308
              
$
725,308
 
Nonperforming
  
7,913
               
7,913
 
Total
 
$
733,221
              
$
733,221
 
Credit Quality Indicators
As of December 31, 2013

ACQUIRED
 
  
  
  
 
Commercial Credit Exposure
 
  
Commercial
  
  
 
By Internally Assigned Grade:
 
Commercial
  
Real Estate
  
Agricultural
  
Total
 
Pass
 
$
85,692
  
$
205,010
  
$
-
  
$
290,702
 
Special Mention
  
2,230
   
6,183
   
-
   
8,413
 
Substandard
  
15,304
   
17,821
   
-
   
33,125
 
Total
 
$
103,226
  
$
229,014
  
$
-
  
$
332,240
 
 
                
Business Banking Credit Exposure
                
By Internally Assigned Grade:
 
Business Banking
          
Total
 
Non-classified
 
$
65,437
          
$
65,437
 
Classified
  
4,712
           
4,712
 
Total
 
$
70,149
          
$
70,149
 
 
                
Consumer Credit Exposure
                
By Payment Activity:
 
Indirect
  
Home Equity
  
Direct
  
Total
 
Performing
 
$
124,922
  
$
86,506
  
$
7,367
  
$
218,795
 
Nonperforming
  
164
   
570
   
58
   
792
 
Total
 
$
125,086
  
$
87,076
  
$
7,425
  
$
219,587
 
 
                
Residential Mortgage Credit Exposure
 
Residential
             
By Payment Activity:
 
Mortgage
          
Total
 
Performing
 
$
304,544
          
$
304,544
 
Nonperforming
  
3,872
           
3,872
 
Total
 
$
308,416
          
$
308,416