Allowance for Loan and Lease Losses | Allowance for Loan and Lease Losses The following tables present the changes in the allowance for loan and lease losses and the recorded investment in loans and leases by portfolio segment for the periods indicated: Three Months Ended June 30, 2019 Commercial Real Estate Commercial Consumer Total (In Thousands) Balance at March 31, 2019 $ 28,349 $ 24,240 $ 5,452 $ 58,041 Charge-offs ā (3,401 ) (11 ) (3,412 ) Recoveries ā 294 36 330 Provision for loan and lease losses 319 3,200 157 3,676 Balance at June 30, 2019 $ 28,668 $ 24,333 $ 5,634 $ 58,635 Three Months Ended June 30, 2018 Commercial Real Estate Commercial Consumer Total (In Thousands) Balance at March 31, 2018 $ 27,361 $ 26,252 $ 5,101 $ 58,714 Charge-offs (100 ) (3,456 ) (49 ) (3,605 ) Recoveries ā 1,152 123 1,275 Provision (credit) for loan and lease losses (216 ) 2,172 (359 ) 1,597 Balance at June 30, 2018 $ 27,045 $ 26,120 $ 4,816 $ 57,981 Six Months Ended June 30, 2019 Commercial Real Estate Commercial Consumer Total (In Thousands) Balance at December 31, 2018 $ 28,187 $ 25,283 $ 5,222 $ 58,692 Charge-offs ā (5,913 ) (41 ) (5,954 ) Recoveries ā 682 89 771 Provision for loan and lease losses 481 4,281 364 5,126 Balance at June 30, 2019 $ 28,668 $ 24,333 $ 5,634 $ 58,635 Six Months Ended June 30, 2018 Commercial Real Estate Commercial Consumer Total (In Thousands) Balance at December 31, 2017 $ 27,112 $ 26,333 $ 5,147 $ 58,592 Charge-offs (103 ) (4,189 ) (105 ) (4,397 ) Recoveries ā 1,353 209 1,562 Provision (credit) for loan and lease losses 36 2,623 (435 ) 2,224 Balance at June 30, 2018 $ 27,045 $ 26,120 $ 4,816 $ 57,981 The liability for unfunded credit commitments, which is included in other liabilities, was $1.8 million and $1.9 million at June 30, 2019 and December 31, 2018 , respectively. No credit commitments were charged off against the liability account in the six -month periods ended June 30, 2019 and 2018 . Provision for Credit Losses The provisions for credit losses are set forth below for the periods indicated: Three Months Ended June 30, Six Months Ended June 30, 2019 2018 2019 2018 (In Thousands) Provision for loan and lease losses: Commercial real estate $ 319 $ (216 ) $ 481 $ 36 Commercial 3,200 2,172 4,281 2,623 Consumer 157 (359 ) 364 (435 ) Total provision for loan and lease losses 3,676 1,597 5,126 2,224 Unfunded credit commitments 81 (127 ) (16 ) (113 ) Total provision for credit losses $ 3,757 $ 1,470 $ 5,110 $ 2,111 Allowance for Loan and Lease Losses Methodology Management has established a methodology to determine the adequacy of the allowance for loan and lease losses that assesses the risks and losses inherent in the loan and lease portfolio. Additions to the allowance for loan and lease losses are made by charges to the provision for credit losses. Losses on loans and leases are charged off against the allowance when all or a portion of a loan or lease is considered uncollectible. Subsequent recoveries on loans previously charged off, if any, are credited to the allowance when realized. Management uses a consistent and systematic process and methodology to evaluate the adequacy of the allowance for loan and lease losses on a quarterly basis. For purposes of determining the allowance for loan and lease losses, the Company has segmented certain loans and leases in the portfolio by product type into the following segments: (1) commercial real estate loans, (2) commercial loans and leases, and (3) consumer loans. Portfolio segments are further disaggregated into classes based on the associated risks within the segments. Commercial real estate loans are divided into three classes: commercial real estate loans, multi-family mortgage loans, and construction loans. Commercial loans and leases are divided into three classes: commercial loans which include taxi medallion loans, equipment financing, and loans to condominium associations. Consumer loans are divided into three classes: residential mortgage loans, home equity loans, and other consumer loans. A formula-based credit evaluation approach is applied to each group, coupled with an analysis of certain loans for impairment. For each class of loan, management makes significant judgments in selecting the estimation method that fits the credit characteristics of its class and portfolio segment as set forth below. The general allowance related to loans collectively evaluated for impairment is determined using a formula-based approach utilizing the risk ratings of individual credits and loss factors derived from historic portfolio loss rates, which include estimates of incurred losses over an estimated loss emergence period (āLEPā). The LEP was generated utilizing a charge-off look-back analysis which studied the time from the first indication of elevated risk of repayment (or other early event indicating a problem) to eventual charge-off to support the LEP considered in the allowance calculation. This reserving methodology established the approximate number of months of LEP that represents incurred losses for each portfolio. In addition to quantitative measures, relevant qualitative factors include, but are not limited to: (1) levels and trends in past due and impaired loans, (2) levels and trends in charge-offs, (3) changes in underwriting standards, policy exceptions, and credit policy, (4) experience of lending management and staff, (5) economic trends, (6) industry conditions, (7) effects of changes in credit concentrations, (8) interest rate environment, and (9) regulatory and other changes. The general allowance related to the acquired loans collectively evaluated for impairment is determined based upon the degree, if any, of deterioration in the pooled loans subsequent to acquisition. The qualitative factors used in the determination are the same as those used for originated loans. Specific valuation allowances are established for impaired originated loans with book values greater than the discounted present value of expected future cash flows or, in the case of collateral-dependent impaired loans, for any excess of a loan's book balance over the fair value of its underlying collateral. Specific valuation allowances are established for acquired loans with deterioration in the discounted present value of expected future cash flows since acquisitions or, in the case of collateral dependent impaired loans, for any increase in the excess of a loan's book balance greater than the fair value of its underlying collateral. A specific valuation allowance for losses on troubled debt restructured ("TDR") loans is determined by comparing the net carrying amount of the TDR loan with the restructured loan's cash flows discounted at the original effective rate. Impaired loans are reviewed quarterly with adjustments made to the calculated reserve as necessary. As of June 30, 2019 , management believes that the methodology for calculating the allowance is sound and that the allowance provides a reasonable basis for determining and reporting on probable losses incurred in the Companyās loan portfolios. As of June 30, 2019 , the Company had a portfolio of approximately $11.3 million in loans secured by taxi medallions issued by the cities of Boston and Cambridge, Massachusetts. As of December 31, 2018 , this portfolio was approximately $13.7 million . For collateral valuation purposes, taxi medallions are currently estimated at $35 thousand for Boston and $10 thousand for Cambridge. The Company has no taxi medallion exposure outside Massachusetts. As of June 30, 2019 , the Company had an allowance for loan and lease losses associated with taxi medallion loans of $1.4 million of which $0.9 million were specific reserves and $0.5 million was a general reserve. As of December 31, 2018 , the Company had an allowance for loan and lease losses associated with taxi medallion loans of $2.5 million of which $1.9 million were specific reserves and $0.6 million was a general reserve. The decrease in the allowance for loan and leases associated with taxi medallion loans was primarily driven by the decrease in specific reserves due to charge-offs in the taxi medallion portfolio. The total TDRs secured by taxi medallions decreased by $2.0 million from $3.7 million at December 31, 2018 to $1.7 million at June 30, 2019 . The total loans secured by taxi medallions that were placed on nonaccrual decreased by $1.8 million to $1.9 million at June 30, 2019 from $3.7 million at December 31, 2018 . The decreases in TDRs and non-accruing loans secured by taxi medallions were due to the charge-offs in taxi medallion relationships during the first six months of 2019 . Further declines in demand for taxi services or further deterioration in the value of taxi medallions may result in higher delinquencies and losses beyond that provided for in the allowance for loan and lease losses. The general allowance for loan and lease losses was $56.8 million as of June 30, 2019 , compared to $55.6 million as of December 31, 2018 . The specific allowance for loan and lease losses was $1.9 million as of June 30, 2019 , compared to $3.1 million as of December 31, 2018 . The specific allowance decreased by $1.2 million during the six months ended June 30, 2019 primarily due to the charge-offs of $1.7 million on loans collateralized by taxi medallions. Credit Quality Assessment At the time of loan origination, a rating is assigned based on the capacity to pay and general financial strength of the borrower, the value of assets pledged as collateral, and the evaluation of third party support such as a guarantor. The Company continually monitors the credit quality of the loan portfolio using all available information. The officer responsible for handling each loan is required to initiate changes to risk ratings when changes in facts and circumstances occur that warrant an upgrade or downgrade in a loan rating. Based on this information, loans demonstrating certain payment issues or other weaknesses may be categorized as delinquent, impaired, nonperforming and/or put on nonaccrual status. Additionally, in the course of resolving such loans, the Company may choose to restructure the contractual terms of certain loans to match the borrower's ability to repay the loan based on their current financial condition. If a restructured loan meets certain criteria, it may be categorized as a TDR loan. The Company reviews numerous credit quality indicators when assessing the risk in its loan portfolio. For all loans, the Company utilizes an eight-grade loan rating system, which assigns a risk rating to each borrower based on a number of quantitative and qualitative factors associated with a loan transaction. Factors considered include industry and market conditions; position within the industry; earnings trends; operating cash flow; asset/liability values; debt capacity; guarantor strength; management and controls; financial reporting; collateral; and other considerations. In addition, the Company's independent loan review group evaluates the credit quality and related risk ratings in all loan portfolios. The results of these reviews are reported to the Risk Committee of the Board of Directors on a periodic basis and annually to the Board of Directors. For the consumer loans, the Company heavily relies on payment status for calibrating credit risk. The ratings categories used for assessing credit risk in the commercial real estate, multi-family mortgage, construction, commercial, equipment financing, condominium association and other consumer loan and lease classes are defined as follows: 1 -4 RatingāPass Loan rating grades "1" through "4" are classified as "Pass," which indicates borrowers are performing in accordance with the terms of the loan and are less likely to result in loss due to the capacity of the borrower to pay and the adequacy of the value of assets pledged as collateral. 5 RatingāOther Assets Especially Mentioned ("OAEM") Borrowers exhibit potential credit weaknesses or downward trends deserving management's attention. If not checked or corrected, these trends will weaken the Company's asset and position. While potentially weak, currently these borrowers are marginally acceptable; no loss of principal or interest is envisioned. 6 RatingāSubstandard Borrowers exhibit well defined weaknesses that jeopardize the orderly liquidation of debt. Substandard loans may be inadequately protected by the current net worth and paying capacity of the obligors or by the collateral pledged, if any. Normal repayment from the borrower is in jeopardy. Although no loss of principal is envisioned, there is a distinct possibility that a partial loss of interest and/or principal will occur if the deficiencies are not corrected. Collateral coverage may be inadequate to cover the principal obligation. 7 RatingāDoubtful Borrowers exhibit well-defined weaknesses that jeopardize the orderly liquidation of debt with the added provision that the weaknesses make collection of the debt in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. Serious problems exist to the point where partial loss of principal is likely. 8 RatingāDefinite Loss Borrowers deemed incapable of repayment. Loans to such borrowers are considered uncollectible and of such little value that continuation as active assets of the Company is not warranted. Assets rated as "OAEM," "substandard" or "doubtful" based on criteria established under banking regulations are collectively referred to as "criticized" assets. Credit Quality Information The following tables present the recorded investment in loans in each class as of June 30, 2019 , by credit quality indicator. At June 30, 2019 Commercial Real Estate Multi- Family Mortgage Construction Commercial Equipment Financing Condominium Association Other Consumer Total (In Thousands) Originated: Loan rating: Pass $ 2,310,846 $ 830,439 $ 187,161 $ 711,393 $ 1,002,521 $ 47,816 $ 40,600 $ 5,130,776 OAEM 4,610 ā ā 9,985 78 ā ā 14,673 Substandard 2,535 94 ā 22,308 9,509 170 2 34,618 Doubtful ā ā ā 3 474 ā ā 477 Total originated 2,317,991 830,533 187,161 743,689 1,012,582 47,986 40,602 5,180,544 Acquired: Loan rating: Pass 91,960 46,762 7,959 18,793 2,615 ā 108 168,197 OAEM 2,122 ā ā 433 ā ā ā 2,555 Substandard 9,031 35 ā 230 8 ā ā 9,304 Total acquired 103,113 46,797 7,959 19,456 2,623 ā 108 180,056 Total loans $ 2,421,104 $ 877,330 $ 195,120 $ 763,145 $ 1,015,205 $ 47,986 $ 40,710 $ 5,360,600 As of June 30, 2019 , there were no loans categorized as definite loss. At June 30, 2019 Residential Mortgage Home Equity (Dollars In Thousands) Originated: Loan-to-value ratio: Less than 50% $ 174,429 22.7 % $ 136,756 36.6 % 50% - 69% 278,937 36.1 % 88,505 23.6 % 70% - 79% 175,670 22.8 % 77,694 20.7 % 80% and over 20,157 2.6 % 33,107 8.8 % Data not available* 2,074 0.3 % 36 ā % Total originated 651,267 84.5 % 336,098 89.7 % Acquired: Loan-to-value ratio: Less than 50% 36,688 4.8 % 19,650 5.2 % 50%ā69% 50,589 6.6 % 8,637 2.3 % 70%ā79% 19,345 2.5 % 990 0.3 % 80% and over 6,309 0.8 % 4,492 1.2 % Data not available 5,785 0.8 % 4,879 1.3 % Total acquired 118,716 15.5 % 38,648 10.3 % Total loans $ 769,983 100.0 % $ 374,746 100.0 % _______________________________________________________________________________ * Represents in process general ledger accounts for which data are not available. The following tables present the recorded investment in loans in each class as of December 31, 2018 , by credit quality indicator. At December 31, 2018 Commercial Real Estate Multi- Family Mortgage Construction Commercial Equipment Financing Condominium Association Other Consumer Total (In Thousands) Originated: Loan rating: Pass $ 2,198,377 $ 799,483 $ 150,742 $ 685,773 $ 969,275 $ 50,186 $ 23,249 $ 4,877,085 OAEM 6,096 ā ā 3,726 52 ā ā 9,874 Substandard 4,431 330 396 22,870 6,895 265 11 35,198 Doubtful ā ā ā 261 2,618 ā ā 2,879 Total originated 2,208,904 799,813 151,138 712,630 978,840 50,451 23,260 4,925,036 Acquired: Loan rating: Pass 111,919 47,715 22,162 23,250 3,240 ā 110 208,396 OAEM 626 ā ā 236 ā ā ā 862 Substandard 9,276 183 ā 302 9 ā ā 9,770 Total acquired 121,821 47,898 22,162 23,788 3,249 ā 110 219,028 Total loans $ 2,330,725 $ 847,711 $ 173,300 $ 736,418 $ 982,089 $ 50,451 $ 23,370 $ 5,144,064 As of December 31, 2018 , there were no loans categorized as definite loss. At December 31, 2018 Residential Mortgage Home Equity (Dollars In Thousands) Originated: Loan-to-value ratio: Less than 50% $ 171,523 21.9 % $ 142,534 37.9 % 50%ā69% 287,337 36.7 % 84,423 22.4 % 70%ā79% 173,870 22.2 % 73,898 19.6 % 80% and over 19,030 2.4 % 30,129 8.0 % Data not available* 1,299 0.2 % 30 ā % Total originated 653,059 83.4 % 331,014 87.9 % Acquired: Loan-to-value ratio: Less than 50% 36,752 4.6 % 24,705 6.6 % 50%ā69% 53,788 6.9 % 10,353 2.7 % 70%ā79% 26,510 3.4 % 1,000 0.3 % 80% and over 6,701 0.9 % 4,348 1.2 % Data not available 6,158 0.8 % 5,064 1.3 % Total acquired 129,909 16.6 % 45,470 12.1 % Total loans $ 782,968 100.0 % $ 376,484 100.0 % _______________________________________________________________________________ * Represents in process general ledger accounts for which data are not available. The following table presents information regarding foreclosed residential real estate property for the periods indicated: At June 30, 2019 At December 31, 2018 (In Thousands) Foreclosed residential real estate property held by the creditor $ ā $ 629 Recorded investment in mortgage loans collateralized by residential real estate property that are in the process of foreclosure $ 188 $ 121 Age Analysis of Past Due Loans and Leases The following tables present an age analysis of the recorded investment in total loans and leases as of June 30, 2019 and December 31, 2018 . At June 30, 2019 Past Due Loans and Leases Past Due Greater Than 90 Days and Accruing 31-60 Days 61-90 Days Greater Than 90 Days Total Current Total Loans and Leases Nonaccrual Loans and Leases (In Thousands) Originated: Commercial real estate loans: Commercial real estate $ 1,717 $ 3,943 $ 1,690 $ 7,350 $ 2,310,641 $ 2,317,991 $ ā $ 2,170 Multi-family mortgage 74 ā 523 597 829,936 830,533 523 94 Construction ā ā ā ā 187,161 187,161 ā ā Total commercial real estate loans 1,791 3,943 2,213 7,947 3,327,738 3,335,685 523 2,264 Commercial loans and leases: Commercial 3,878 505 2,724 7,107 736,582 743,689 ā 6,146 Equipment financing 3,057 2,034 5,779 10,870 1,001,712 1,012,582 ā 9,931 Condominium association 641 ā ā 641 47,345 47,986 ā 170 Total commercial loans and leases 7,576 2,539 8,503 18,618 1,785,639 1,804,257 ā 16,247 Consumer loans: Residential mortgage 3,755 ā 784 4,539 646,728 651,267 ā 1,642 Home equity 498 159 21 678 335,420 336,098 2 151 Other consumer 28 4 6 38 40,564 40,602 ā 7 Total consumer loans 4,281 163 811 5,255 1,022,712 1,027,967 2 1,800 Total originated loans and leases $ 13,648 $ 6,645 $ 11,527 $ 31,820 $ 6,136,089 $ 6,167,909 $ 525 $ 20,311 At June 30, 2019 Past Due Loans and Leases Past Due Greater Than 90 Days and Accruing 31-60 Days 61-90 Days Greater Than 90 Days Total Current Total Loans and Leases Nonaccrual Loans and Leases (In Thousands) Acquired: Commercial real estate loans: Commercial real estate $ 133 $ 69 $ 8,864 $ 9,066 $ 94,047 $ 103,113 $ 8,794 $ 103 Multi-family mortgage ā ā ā ā 46,797 46,797 ā ā Construction ā ā ā ā 7,959 7,959 ā ā Total commercial real estate loans 133 69 8,864 9,066 148,803 157,869 8,794 103 Commercial loans and leases: Commercial ā ā 237 237 19,219 19,456 33 203 Equipment financing ā ā 8 8 2,615 2,623 2 ā Total commercial loans and leases ā ā 245 245 21,834 22,079 35 203 Consumer loans: Residential mortgage ā 62 2,218 2,280 116,436 118,716 2,218 ā Home equity 230 474 269 973 37,675 38,648 40 684 Other consumer ā ā ā ā 108 108 ā ā Total consumer loans 230 536 2,487 3,253 154,219 157,472 2,258 684 Total acquired loans and leases $ 363 $ 605 $ 11,596 $ 12,564 $ 324,856 $ 337,420 $ 11,087 $ 990 Total loans and leases $ 14,011 $ 7,250 $ 23,123 $ 44,384 $ 6,460,945 $ 6,505,329 $ 11,612 $ 21,301 At December 31, 2018 Past Due Loans and Leases Past Due Greater Than 90 Days and Accruing 31-60 Days 61-90 Days Greater Than 90 Days Total Current Total Loans and Leases Nonaccrual Loans and Leases (In Thousands) Originated: Commercial real estate loans: Commercial real estate $ 5,139 $ 896 $ 2,962 $ 8,997 $ 2,199,907 $ 2,208,904 $ 277 $ 3,806 Multi-family mortgage 893 ā 145 1,038 798,775 799,813 ā 330 Construction 297 ā 396 693 150,445 151,138 ā 396 Total commercial real estate loans 6,329 896 3,503 10,728 3,149,127 3,159,855 277 4,532 Commercial loans and leases: Commercial 2,021 582 6,244 8,847 703,783 712,630 1,962 6,421 Equipment financing 2,509 650 5,685 8,844 969,996 978,840 12 9,500 Condominium association 320 ā ā 320 50,131 50,451 ā 265 Total commercial loans and leases 4,850 1,232 11,929 18,011 1,723,910 1,741,921 1,974 16,186 Consumer loans: Residential mortgage 400 ā 1,597 1,997 651,062 653,059 ā 1,842 Home equity 761 25 183 969 330,045 331,014 1 191 Other consumer 51 18 15 84 23,176 23,260 ā 17 Total consumer loans 1,212 43 1,795 3,050 1,004,283 1,007,333 1 2,050 Total originated loans and leases $ 12,391 $ 2,171 $ 17,227 $ 31,789 $ 5,877,320 $ 5,909,109 $ 2,252 $ 22,768 At December 31, 2018 Past Due Loans and Leases Past Due Greater Than 90 Days and Accruing 31-60 Days 61-90 Days Greater Than 90 Days Total Current Total Loans and Leases Nonaccrual Loans and Leases (In Thousands) Acquired: Commercial real estate loans: Commercial real estate $ ā $ 215 $ 9,087 $ 9,302 $ 112,519 $ 121,821 $ 9,018 $ 122 Multi-family mortgage 348 ā ā 348 47,550 47,898 ā ā Construction 360 242 ā 602 21,560 22,162 ā ā Total commercial real estate loans 708 457 9,087 10,252 181,629 191,881 9,018 122 Commercial loans and leases: Commercial 124 44 290 458 23,330 23,788 90 200 Equipment financing ā ā 9 9 3,240 3,249 9 ā Total commercial loans and leases 124 44 299 467 26,570 27,037 99 200 Consumer loans: Residential mortgage ā 371 2,113 2,484 127,425 129,909 2,113 290 Home equity 191 265 2 458 45,012 45,470 ā 717 Other consumer ā ā ā ā 110 110 ā ā Total consumer loans 191 636 2,115 2,942 172,547 175,489 2,113 1,007 Total acquired loans and leases $ 1,023 $ 1,137 $ 11,501 $ 13,661 $ 380,746 $ 394,407 $ 11,230 $ 1,329 Total loans and leases $ 13,414 $ 3,308 $ 28,728 $ 45,450 $ 6,258,066 $ 6,303,516 $ 13,482 $ 24,097 Commercial Real Estate Loans āAs of June 30, 2019 , loans outstanding in the three classes within this segment expressed as a percentage of total loans and leases outstanding were as follows: commercial real estate loans -- 37.2% ; multi-family mortgage loans -- 13.5% ; and construction loans -- 3.1% . Loans in this portfolio that are on nonaccrual status and/or risk-rated "substandard" or worse are evaluated on an individual loan basis for impairment. For non-impaired commercial real estate loans, loss factors are applied to outstanding loans by risk rating for each of the three classes in the portfolio. The factors applied are based primarily on historic loan loss experience and an assessment of internal and external factors and other relevant information. Commercial Loans and Leases āAs of June 30, 2019 , loans and leases outstanding in the three classes within this segment expressed as a percent of total loans and leases outstanding were as follows: commercial loans and leases -- 11.7% ; equipment financing loans -- 15.6% ; and loans to condominium associations -- 0.7% . Loans and leases in this portfolio that are on nonaccrual status and/or risk-rated "substandard" or worse are evaluated on an individual basis for impairment. For non-impaired commercial loans and leases, loss factors are applied to outstanding loans by risk rating for each of the three classes in the portfolio. Consumer Loans āAs of June 30, 2019 , loans outstanding within the three classes within this segment expressed as a percent of total loans and leases outstanding were as follows: residential mortgage loans -- 11.8% , home equity loans -- 5.8% , and other consumer loans -- 0.6% . Significant risk characteristics related to the residential mortgage and home equity loan portfolios are the geographic concentration of the properties financed within selected communities in the greater Boston and Providence metropolitan areas. The payment status and loan-to-value ratio are the primary credit quality indicators used for residential mortgage loans and home equity loans. Generally, loans are not made when the loan-to-value ratio exceeds 80% unless private mortgage insurance is obtained and/or there is a financially strong guarantor. Consumer loans that become 90 or more days past due, or are placed on nonaccrual. Impaired Loans and Leases A loan is considered to be impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due (both interest and principal) according to the contractual terms of the loan agreement. The Company has defined the population of impaired loans to include nonaccrual loans and TDR loans. When the ultimate collectability of the total principal of an impaired loan or lease is in doubt and the loan is on nonaccrual status, all payments are applied to principal, under the cost recovery method. When the ultimate collectability of the total principal of an impaired loan or lease is not in doubt and the loan or lease is on nonaccrual status, contractual interest is credited to interest income when received, under the cash basis method. The following tables include the recorded investment and unpaid principal balances of impaired loans and leases with the related allowance amount, if applicable, for the originated and acquired loan and lease portfolios at the dates indicated. Also presented are the average recorded investments in the impaired loans and leases and the related amount of interest recognized during the period that the impaired loans were impaired. At June 30, 2019 At December 31, 2018 Recorded (1) Unpaid Related Recorded Investment (2) Unpaid Related (In Thousands) Originated: With no related allowance recorded: Commercial real estate $ 3,348 $ 3,337 $ ā $ 5,569 $ 5,545 $ ā Commercial 36,990 37,035 ā 30,927 31,053 ā Consumer 2,402 2,390 ā 2,989 2,978 ā Total originated with no related allowance recorded 42,740 42,762 ā 39,485 39,576 ā With an allowance recorded: Commercial real estate 71 71 8 396 396 5 Commercial 5,793 5,810 1,747 8,224 8,208 2,961 Consumer 659 658 87 665 664 89 Total originated with an allowance recorded 6,523 6,539 1,842 9,285 9,268 3,055 Total originated impaired loans and leases 49,263 49,301 1,842 48,770 48,844 3,055 Acquired: With no related allowance recorded: Commercial real estate 9,491 9,492 ā 9,538 9,538 ā Commercial 535 535 ā 531 531 ā Consumer 4,521 4,521 ā 4,772 4,772 ā Total acquired with no related allowance recorded 14,547 14,548 ā 14,841 14,841 ā With an allowance recorded: Consumer 156 156 29 154 154 26 Total acquired with an allowance recorded 156 156 29 154 154 26 Total acquired impaired loans and leases 14,703 14,704 29 14,995 14,995 26 Total impaired loans and leases $ 63,966 $ 64,005 $ 1,871 $ 63,765 $ 63,839 $ 3,081 ___________________________________________________________________________ (1) Includes originated and acquired nonaccrual loans of $20.3 million and $1.0 million , respectively as of June 30, 2019 . (2) Includes originated and acquired nonaccrual loans of $22.7 million and $1.3 million , respectively as of December 31, 2018 . Three Months Ended June 30, 2019 June 30, 2018 Average Interest Average Interest (In Thousands) Originated: With no related allowance recorded: Commercial real estate $ 3,374 $ 15 $ 6,565 $ 19 Commercial 38,211 338 23,223 215 Consumer 2,644 8 2,012 14 Total originated with no related allowance recorded 44,229 361 31,800 248 With an allowance recorded: Commercial real estate 71 1 ā ā Commercial 5,903 33 10,738 28 Consumer 660 6 1,166 1 Total originated with an allowance recorded 6,634 40 11,904 29 Total originated impaired loans and leases 50,863 401 43,704 277 Acquired: With no related allowance recorded: Commercial real estate 9,497 9 10,021 1 Commercial 507 5 1,572 4 Consumer 4,531 15 5,107 15 Total acquired with no related allowance recorded 14,535 29 16,700 20 With an allowance recorded: Consumer 155 1 112 1 Total acquired with an allowance recorded 155 1 112 1 Total acquired impaired loans and leases 14,690 30 16,812 21 Total impaired loans and leases $ 65,553 $ 431 $ 60,516 $ 298 Six Months Ended June 30, 2019 June 30, 2018 Average Interest Average Interest (In Thousands) Originated: With no related allowance recorded: Commercial real estate $ 6,037 $ 80 $ 7,275 $ 49 Commercial 36,687 687 25,492 487 Consumer 2,688 16 2,683 27 Total originated with no related allowance recorded 45,412 783 35,450 563 With an allowance recorded: Commercial real estate 270 2 ā ā Commercial 7,185 61 9,366 44 Consumer 662 12 650 2 Total originated with an allowance recorded 8,117 75 10,016 46 Total originated impaired loans and leases 53,529 858 45,466 609 Acquired: With no related allowance recorded: Commercial real estate 9,325 12 10,351 2 Commercial 533 9 1,598 8 Consumer 4,737 30 4,984 30 Total acquired with no related allowance recorded 14,595 51 16,933 40 With an allowance recorded: Consumer 154 2 113 2 Total acquired with an allowance recorded 154 2 113 2 Total acquired impaired loans and leases 14,749 53 17,046 42 Total impaired loans and leases $ 68,278 $ 911 $ 62,512 $ 651 The following tables present information regarding impaired and non-impaired loans and leases at the dates indicated: At June 30, 2019 Commercial Real Estate Commercial Consumer Total (In Thousands) Allowance for Loan and Lease Losses: Originated: Individually evaluated for impairment $ 8 $ 1,747 $ 87 $ 1,842 Collectively evaluated for impairment 27,165 22,288 5,483 54,936 Total originated loans and leases 27,173 24,035 5,570 56,778 Acquired: Individually evaluated for impairment ā ā 29 29 Collectively evaluated for impairment 25 192 17 234 Acquired with deteriorated credit quality 1,470 106 18 1,594 Total acquired loans and leases 1,495 298 64 1,857 Total allowance for loan and lease losses $ 28,668 $ 24,333 $ 5,634 $ 58,635 Loans and Leases: Originated: Individually evaluated for impairment $ 2,930 $ 37,296 $ 2,845 $ 43,071 Collectively evaluated for impairment 3,332,755 1,766,961 1,025,122 6,124,838 Total originated loans and leases 3,335,685 1,804,257 1,027,967 6,167,909 Acquired: Individually evaluated for impairment ā 452 1,809 2,261 Collectively evaluated for impairment 91,263 19,202 127,642 238,107 Acquired with deteriorated credit quality 66,606 2,425 28,021 97,052 Total acquired loans and leases 157,869 22,079 157,472 337,420 Total loans and leases $ 3,493,554 $ 1,826,336 $ 1,185,439 $ 6,505,329 At December 31, 2018 Commercial Real Estate Commercial Consumer Total (In Thousands) Allowance for Loan and Lease Losses: Originated: Individually evaluated for impairment $ 5 $ 2,961 $ 89 $ 3,055 Collectively evaluated for impairment 26,617 22,131 5,075 53,823 Total originated loans and leases 26,622 25,092 5,164 56,878 Acquired: Individually evaluated for impairment ā ā 26 26 Collectively evaluated for impairment 32 83 20 135 Acquired with deteriorated credit quality 1,533 108 12 1,653 Total acquired loans and leases 1,565 191 58 1,814 Total allowance for loan and lease losses $ 28,187 $ 25,283 $ 5,222 $ 58,692 Loans and Leases: Originated: Individually evaluated for impairment $ 5,610 $ 32,127 $ 3,502 $ 41,239 Collectively evaluated for impairment 3,154,245 1,709,794 1,003,831 5,867,870 Total originated loans and leases 3,159,855 1,741,921 1,007,333 5,909,109 Acquired: Individually evaluated for impairment ā 404 2,072 2,476 Collectively evaluated for impairment 121,119 24,094 142,194 287,407 Acquired with deteriorated credit quality 70,762 2,539 31,223 104,524 Total acquired loans and leases 191,881 27,037 175,489 394,407 Total loans and leases $ 3,351,736 $ 1,768,958 $ 1,182,822 $ 6,303,516 Troubled Debt Restructured Loans and Leases A specific valuation allowance for losses on TDR loans is determined by comparing the net carrying amount of the TDR loan with the restructured loan's cash flows discounted at the original effective rate. The following table sets forth information regarding TDR loans and leases at the dates indicated: At June 30, 2019 At December 31, 2018 (In Thousands) Troubled debt restructurings: On accrual $ 27,761 $ 12,257 On nonaccrual 8,431 8,684 Total troubled debt restructurings $ 36,192 $ 20,941 Total TDR loans and leases increased by $15.3 million to $36.2 million at June 30, 2019 from $20.9 million at December 31, 2018 , driven primar |