Loans receivable | Loans receivable The following table shows a summary of our loans receivable at June 30, 2016 and December 31, 2015 (in thousands): June 30, 2016 December 31, 2015 Originated Acquired Total Originated Acquired Total Personal Banking: Residential mortgage loans (1) $ 2,714,268 42,304 2,756,572 2,695,561 45,716 2,741,277 Home equity loans 1,039,457 122,717 1,162,174 1,055,907 131,199 1,187,106 Consumer loans 381,677 154,321 535,998 307,961 202,656 510,617 Total Personal Banking 4,135,402 319,342 4,454,744 4,059,429 379,571 4,439,000 Commercial Banking: Commercial real estate loans 2,173,571 387,131 2,560,702 2,094,710 429,564 2,524,274 Commercial loans 440,785 50,814 491,599 372,540 65,175 437,715 Total Commercial Banking 2,614,356 437,945 3,052,301 2,467,250 494,739 2,961,989 Total loans receivable, gross 6,749,758 757,287 7,507,045 6,526,679 874,310 7,400,989 Deferred loan costs 18,530 4,116 22,646 14,806 5,259 20,065 Allowance for loan losses (55,323 ) (5,458 ) (60,781 ) (60,970 ) (1,702 ) (62,672 ) Undisbursed loan proceeds: Residential mortgage loans (11,068 ) — (11,068 ) (10,778 ) — (10,778 ) Commercial real estate loans (193,808 ) (3,518 ) (197,326 ) (159,553 ) (13,287 ) (172,840 ) Commercial loans (24,281 ) (2,095 ) (26,376 ) (11,132 ) (4,183 ) (15,315 ) Total loans receivable, net $ 6,483,808 750,332 7,234,140 6,299,052 860,397 7,159,449 (1) Includes $39.9 million of loans held for sale at June 30, 2016. Acquired loans were initially measured at fair value and subsequently accounted for under either Accounting Standards Codification (“ASC”) Topic 310-30 or ASC Topic 310-20. The following table provides information related to the outstanding principal balance and related carrying value of acquired loans for the dates indicated (in thousands): June 30, December 31, Acquired loans evaluated individually for future credit losses: Outstanding principal balance $ 17,719 $ 21,069 Carrying value 14,043 16,867 Acquired loans evaluated collectively for future credit losses: Outstanding principal balance 749,206 848,194 Carrying value 741,747 839,973 Total acquired loans: Outstanding principal balance 766,925 869,263 Carrying value 755,790 856,840 The following table provides information related to the changes in the accretable discount, which includes income recognized from contractual cash flows for the dates indicated (in thousands): Total Balance at December 31, 2014 $ — LNB Bancorp, Inc. acquisition 1,672 Accretion (377 ) Net reclassification from nonaccretable yield 724 Balance at December 31, 2015 2,019 Accretion (628 ) Net reclassification from nonaccretable yield 628 Balance at June 30, 2016 $ 2,019 The following table provides information related to acquired impaired loans by portfolio segment and by class of financing receivable at and for the six months ended June 30, 2016 (in thousands): Carrying value Outstanding principal balance Related impairment reserve Average recorded investment in impaired loans Interest income recognized Personal Banking: Residential mortgage loans $ 1,446 2,248 21 1,546 103 Home equity loans 1,515 2,868 6 1,586 108 Consumer loans 201 399 2 216 20 Total Personal Banking 3,162 5,515 29 3,348 231 Commercial Banking: Commercial real estate loans 10,631 11,938 353 10,675 391 Commercial loans 250 266 — 250 6 Total Commercial Banking 10,881 12,204 353 10,925 397 Total $ 14,043 17,719 382 14,273 628 The following table provides information related to acquired impaired loans by portfolio segment and by class of financing receivable at and for the year ended December 31, 2015 (in thousands): Carrying Outstanding Related Average Interest Personal Banking: Residential mortgage loans $ 1,981 2,910 14 2,083 41 Home equity loans 2,084 3,455 6 2,222 51 Consumer loans 267 492 2 305 18 Total Personal Banking 4,332 6,857 22 4,610 110 Commercial Banking: Commercial real estate loans 12,288 13,946 353 12,867 249 Commercial loans 247 266 — 335 18 Total Commercial Banking 12,535 14,212 353 13,202 267 Total $ 16,867 21,069 375 17,812 377 The following table provides information related to the allowance for loan losses by portfolio segment and by class of financing receivable for the quarter ended June 30, 2016 (in thousands): Balance Current period provision Charge-offs Recoveries Balance Originated loans: Personal Banking: Residential mortgage loans $ 3,022 501 (1,803 ) 67 4,257 Home equity loans 3,335 230 (439 ) 135 3,409 Consumer loans 7,924 2,382 (2,146 ) 394 7,294 Total Personal Banking 14,281 3,113 (4,388 ) 596 14,960 Commercial Banking: Commercial real estate loans 25,686 (3,509 ) (1,317 ) 645 29,867 Commercial loans 15,356 901 (885 ) 417 14,923 Total Commercial Banking 41,042 (2,608 ) (2,202 ) 1,062 44,790 Total originated loans 55,323 505 (6,590 ) 1,658 59,750 Acquired loans: Personal Banking: Residential mortgage loans 61 35 (49 ) 67 8 Home equity loans 1,128 1,217 (507 ) 120 298 Consumer loans 552 501 (186 ) 38 199 Total Personal Banking 1,741 1,753 (742 ) 225 505 Commercial Banking: Commercial real estate loans 3,165 1,660 (414 ) 184 1,735 Commercial loans 552 281 (18 ) 1 288 Total Commercial Banking 3,717 1,941 (432 ) 185 2,023 Total acquired loans 5,458 3,694 (1,174 ) 410 2,528 Total $ 60,781 4,199 (7,764 ) 2,068 62,278 The following table provides information related to the allowance for loan losses by portfolio segment and by class of financing receivable for the quarter ended June 30, 2015 (in thousands): Balance Current period provision Charge-offs Recoveries Balance Personal Banking: Residential mortgage loans $ 4,892 76 (278 ) 17 5,077 Home equity loans 3,445 (187 ) (542 ) 131 4,043 Consumer loans 6,244 1,865 (1,759 ) 303 5,835 Total Personal Banking 14,581 1,754 (2,579 ) 451 14,955 Commercial Banking: Commercial real estate loans 30,163 (1,558 ) (3,439 ) 1,908 33,252 Commercial loans 14,313 4,832 (6,356 ) 724 15,113 Total Commercial Banking 44,476 3,274 (9,795 ) 2,632 48,365 Unallocated — (3,978 ) — — 3,978 Total $ 59,057 1,050 (12,374 ) 3,083 67,298 The following table provides information related to the allowance for loan losses by portfolio segment and by class of financing receivable for the six months ended June 30, 2016 (in thousands): Balance Current period provision Charge-offs Recoveries Balance Originated loans: Personal Banking: Residential mortgage loans $ 3,022 504 (2,292 ) 118 4,692 Home equity loans 3,335 (43 ) (737 ) 174 3,941 Other consumer loans 7,924 4,027 (4,373 ) 782 7,488 Total Personal Banking 14,281 4,488 (7,402 ) 1,074 16,121 Commercial Banking: Commercial real estate loans 25,686 (7,715 ) (1,500 ) 2,553 32,348 Commercial loans 15,356 3,340 (996 ) 511 12,501 Total Commercial Banking 41,042 (4,375 ) (2,496 ) 3,064 44,849 Total originated loans 55,323 113 (9,898 ) 4,138 60,970 Acquired loans: Personal Banking: Residential mortgage loans 61 72 (124 ) 95 18 Home equity loans 1,128 1,955 (1,193 ) 265 101 Other consumer loans 552 709 (362 ) 95 110 Total Personal Banking 1,741 2,736 (1,679 ) 455 229 Commercial Banking: Commercial real estate loans 3,165 2,474 (1,128 ) 380 1,439 Commercial loans 552 536 (24 ) 6 34 Total Commercial Banking 3,717 3,010 (1,152 ) 386 1,473 Total acquired loans 5,458 5,746 (2,831 ) 841 1,702 Total $ 60,781 5,859 (12,729 ) 4,979 62,672 The following table provides information related to the allowance for loan losses by portfolio segment and by class of financing receivable for the six months ended June 30, 2015 (in thousands): Balance Current period provision Charge-offs Recoveries Balance Personal Banking: Residential mortgage loans $ 4,892 (206 ) (613 ) 130 5,581 Home equity loans 3,445 (400 ) (884 ) 179 4,550 Other consumer loans 6,244 3,135 (3,699 ) 690 6,118 Total Personal Banking 14,581 2,529 (5,196 ) 999 16,249 Commercial Banking: Commercial real estate loans 30,163 (1,316 ) (4,552 ) 2,642 33,389 Commercial loans 14,313 5,102 (7,080 ) 2,776 13,515 Total Commercial Banking 44,476 3,786 (11,632 ) 5,418 46,904 Unallocated — (4,365 ) — — 4,365 Total $ 59,057 1,950 (16,828 ) 6,417 67,518 At June 30, 2016 , we expect to fully collect the carrying value of our acquired loans and have determined that we can reasonably estimate their future cash flows including those loans that are 90 days or more delinquent. As a result, we do not consider our acquired loans that are 90 days or more delinquent to be nonaccrual or impaired and continue to recognize interest income on these loans, including the loans’ accretable discount. The following table provides information related to the loan portfolio by portfolio segment and by class of financing receivable at June 30, 2016 (in thousands): Total loans receivable Allowance for loan losses Nonaccrual loans (1) Loans past due 90 days or more and still accruing (2) TDRs Allowance related to TDRs Additional commitments to customers with loans classified as TDRs Personal Banking: Residential mortgage loans $ 2,757,598 3,083 18,370 2 7,340 251 — Home equity loans 1,162,174 4,463 6,733 — 2,205 405 — Consumer loans 546,550 8,476 2,903 171 — — — Total Personal Banking 4,466,322 16,022 28,006 173 9,545 656 — Commercial Banking: Commercial real estate loans 2,363,376 28,851 37,080 — 27,999 2,028 203 Commercial loans 465,223 15,908 10,792 299 11,569 1,256 131 Total Commercial Banking 2,828,599 44,759 47,872 299 39,568 3,284 334 Total $ 7,294,921 60,781 75,878 472 49,113 3,940 334 (1) Includes $18.1 million of nonaccrual TDRs. (2) Represents loans 90 days past maturity and still accruing. The following table provides information related to the loan portfolio by portfolio segment and by class of financing receivable at December 31, 2015 (in thousands): Total loans receivable Allowance for loan losses Nonaccrual loans (1) Loans past due 90 days or more and still accruing (2) TDRs Allowance related to TDRs Additional commitments to customers with loans classified as TDRs Personal Banking: Residential mortgage loans $ 2,740,892 4,710 19,772 4 6,360 1,189 — Home equity loans 1,187,106 4,042 7,522 — 2,298 605 — Consumer loans 520,289 7,598 3,452 976 — — — Total Personal Banking 4,448,287 16,350 30,746 980 8,658 1,794 — Commercial Banking: Commercial real estate loans 2,351,434 33,787 33,421 206 31,970 2,257 241 Commercial loans 422,400 12,535 7,495 148 10,487 631 79 Total Commercial Banking 2,773,834 46,322 40,916 354 42,457 2,888 320 Total $ 7,222,121 62,672 71,662 1,334 51,115 4,682 320 (1) Includes $21.1 million of nonaccrual TDRs. (2) Represents loans 90 days past maturity and still accruing. The following table provides geographical information related to the loan portfolio by portfolio segment and class of financing receivable at June 30, 2016 (in thousands): Pennsylvania New York Ohio Maryland Other Total Loans receivable: Personal Banking: Residential mortgage loans $ 2,324,087 181,713 71,305 124,887 55,606 2,757,598 Home equity loans 859,960 125,112 148,757 24,316 4,029 1,162,174 Consumer loans 263,384 12,555 107,267 1,942 161,402 546,550 Total Personal Banking 3,447,431 319,380 327,329 151,145 221,037 4,466,322 Commercial Banking: Commercial real estate loans 954,237 795,715 454,354 115,546 43,524 2,363,376 Commercial loans 329,151 56,340 64,018 5,641 10,073 465,223 Total Commercial Banking 1,283,388 852,055 518,372 121,187 53,597 2,828,599 Total $ 4,730,819 1,171,435 845,701 272,332 274,634 7,294,921 Percentage of total loans receivable 64.9 % 16.0 % 11.6 % 3.7 % 3.8 % 100.0 % The following table provides delinquency information related to the loan portfolio by portfolio segment and class of financing receivable at June 30, 2016 (in thousands): Pennsylvania New York Ohio Maryland Other Total Loans 90 or more days delinquent: (1) Personal Banking: Residential mortgage loans $ 9,914 2,168 1,094 1,222 648 15,046 Home equity loans 2,784 872 1,296 470 — 5,422 Consumer loans 2,097 59 19 — 224 2,399 Total Personal Banking 14,795 3,099 2,409 1,692 872 22,867 Commercial Banking: Commercial real estate loans 6,957 2,402 5,632 110 143 15,244 Commercial loans 3,229 795 565 120 — 4,709 Total Commercial Banking 10,186 3,197 6,197 230 143 19,953 Total $ 24,981 6,296 8,606 1,922 1,015 42,820 Percentage of total loans 90 or more days delinquent 58.3 % 14.7 % 20.1 % 4.5 % 2.4 % 100.0 % (1) Includes $2.9 million of acquired loans considered accruing. The following table provides geographical information related to the loan portfolio by portfolio segment and class of financing receivable at December 31, 2015 (in thousands): Pennsylvania New York Ohio Maryland Other Total Loans receivable: Personal Banking: Residential mortgage loans $ 2,310,860 171,790 70,209 129,129 58,904 2,740,892 Home equity loans 879,447 124,291 154,003 24,458 4,907 1,187,106 Consumer loans 260,170 12,244 102,034 1,870 143,971 520,289 Total Personal Banking 3,450,477 308,325 326,246 155,457 207,782 4,448,287 Commercial Banking: Commercial real estate loans 965,090 749,435 453,180 122,775 60,954 2,351,434 Commercial loans 284,611 53,420 68,327 5,662 10,380 422,400 Total Commercial Banking 1,249,701 802,855 521,507 128,437 71,334 2,773,834 Total $ 4,700,178 1,111,180 847,753 283,894 279,116 7,222,121 Percentage of total loans receivable 65.1 % 15.4 % 11.7 % 3.9 % 3.9 % 100.0 % The following table provides delinquency information related to the loan portfolio by portfolio segment and class of financing receivable at December 31, 2015 (in thousands): Pennsylvania New York Ohio Maryland Other Total Loans 90 or more days delinquent: (1) Personal Banking: Residential mortgage loans $ 10,998 1,801 1,308 1,341 902 16,350 Home equity loans 3,204 639 1,294 975 — 6,112 Consumer loans 2,780 90 24 — 32 2,926 Total Personal Banking 16,982 2,530 2,626 2,316 934 25,388 Commercial Banking: Commercial real estate loans 10,439 3,012 4,823 251 506 19,031 Commercial loans 1,582 859 158 — — 2,599 Total Commercial Banking 12,021 3,871 4,981 251 506 21,630 Total $ 29,003 6,401 7,607 2,567 1,440 47,018 Percentage of total loans 90 or more days delinquent 61.6 % 13.6 % 16.2 % 5.5 % 3.1 % 100.0 % (1) Includes $3.8 million of acquired loans considered accruing. The following table provides information related to the composition of originated impaired loans by portfolio segment and by class of financing receivable at and for the six months ended June 30, 2016 (in thousands): Nonaccrual loans 90 or more days delinquent Nonaccrual loans less than 90 days delinquent Loans less than 90 days delinquent reviewed for impairment TDRs less than 90 days delinquent not included elsewhere Total impaired loans Average recorded investment in impaired loans Interest income recognized on impaired loans Personal Banking: Residential mortgage loans $ 14,829 3,541 — 6,165 24,535 24,219 549 Home equity loans 5,226 1,507 — 1,737 8,470 9,096 237 Consumer loans 2,374 529 — — 2,903 3,065 73 Total Personal Banking 22,429 5,577 — 7,902 35,908 36,380 859 Commercial Banking: Commercial real estate loans 12,960 24,120 4,443 13,982 55,505 69,232 1,647 Commercial loans 4,566 6,226 2,843 3,942 17,577 15,896 465 Total Commercial Banking 17,526 30,346 7,286 17,924 73,082 85,128 2,112 Total $ 39,955 35,923 7,286 25,826 108,990 121,508 2,971 The following table provides information related to the composition of originated impaired loans by portfolio segment and by class of financing receivable at and for the year ended December 31, 2015 (in thousands): Nonaccrual loans 90 or more days delinquent Nonaccrual loans less than 90 days delinquent Loans less than 90 days delinquent reviewed for impairment TDRs less than 90 days delinquent not included elsewhere Total impaired loans Average recorded investment in impaired loans Interest income recognized on impaired loans Personal Banking: Residential mortgage loans $ 15,810 3,962 — 5,086 24,858 24,554 944 Home equity loans 5,650 1,872 — 1,847 9,369 9,644 497 Consumer loans 2,900 552 — — 3,452 2,977 101 Total Personal Banking 24,360 6,386 — 6,933 37,679 37,175 1,542 Commercial Banking: Commercial real estate loans 16,449 16,972 16,121 16,467 66,009 77,166 3,226 Commercial loans 2,459 5,036 2,014 4,654 14,163 16,187 694 Total Commercial Banking 18,908 22,008 18,135 21,121 80,172 93,353 3,920 Total $ 43,268 28,394 18,135 28,054 117,851 130,528 5,462 The following table provides information related to the evaluation of impaired loans by portfolio segment and by class of financing receivable at June 30, 2016 (in thousands): Loans collectively evaluated for impairment Loans individually evaluated for impairment Loans individually evaluated for impairment for which there is a related impairment reserve Related impairment reserve Loans individually evaluated for impairment for which there is no related reserve Personal Banking: Residential mortgage loans $ 2,749,415 8,183 8,183 251 — Home equity loans 1,159,969 2,205 2,205 405 — Consumer loans 546,469 81 81 18 — Total Personal Banking 4,455,853 10,469 10,469 674 — Commercial Banking: Commercial real estate loans 2,329,716 33,660 33,284 2,402 376 Commercial loans 453,046 12,177 12,177 1,159 — Total Commercial Banking 2,782,762 45,837 45,461 3,561 376 Total $ 7,238,615 56,306 55,930 4,235 376 The following table provides information related to the evaluation of impaired loans by portfolio segment and by class of financing receivable at December 31, 2015 (in thousands): Loans collectively evaluated for impairment Loans individually evaluated for impairment Loans individually evaluated for impairment for which there is a related impairment reserve Related impairment reserve Loans individually evaluated for impairment for which there is no related reserve Personal Banking: Residential mortgage loans $ 2,733,741 7,151 7,151 1,189 — Home equity loans 1,184,808 2,298 2,298 605 — Consumer loans 520,159 130 130 50 — Total Personal Banking 4,438,708 9,579 9,579 1,844 — Commercial Banking: Commercial real estate loans 2,297,599 53,835 35,937 2,675 17,898 Commercial loans 411,342 11,058 7,673 489 3,385 Total Commercial Banking 2,708,941 64,893 43,610 3,164 21,283 Total $ 7,147,649 74,472 53,189 5,008 21,283 Our loan portfolios include loans that have been modified in a troubled debt restructuring ("TDR"), where concessions have been granted to borrowers who have experienced financial difficulties. These concessions typically result from our loss mitigation activities and could include: extending the note’s maturity date, permitting interest only payments, reducing the interest rate to a rate lower than current market rates for new debt with similar risk, reducing the principal payment, principal forbearance or other actions. These concessions are applicable to all loan segments and classes. Certain TDRs are classified as nonperforming at the time of restructuring and may be returned to performing status after considering the borrower’s sustained repayment performance for a reasonable period of at least six months. When we modify loans in a TDR, we evaluate any possible impairment similar to other impaired loans based on the present value of expected future cash flows, discounted at the contractual interest rate of the original loan agreement, the loan’s observable market price or the current fair value of the collateral, less selling costs, for collateral dependent loans. If we determine that the value of the modified loan is less than the recorded investment in the loan (net of previous charge-offs, deferred loan fees or costs and unamortized premium or discount), impairment is recognized through an allowance estimate or a charge-off to the allowance. In periods subsequent to modification, we evaluate all TDRs, including those that have payment defaults, for possible impairment, using ASC 310-10. As a result, loans modified in a TDR may have the financial effect of increasing the specific allowance associated with the loan. Loans modified in a TDR are closely monitored for delinquency as an early indicator of possible future default. If loans modified in a TDR subsequently default, we evaluate the loan for possible further impairment. The allowance may be increased, adjustments may be made in the allocation of the allowance, partial charge-offs may be taken to further write-down the carrying value of the loan, or the loan may be charged-off completely. The following table provides a roll forward of troubled debt restructurings for the periods indicated (in thousands): For the quarters ended June 30, 2016 2015 Number of contracts Amount Number of contracts Amount Beginning TDR balance: 227 $ 48,248 242 $ 60,645 New TDRs 9 1,662 4 386 Re-modified TDRs 3 863 1 45 Net paydowns (1,421 ) (3,617 ) Charge-offs: Residential mortgage loans — — — — Home equity loans — — 1 (68 ) Commercial real estate loans — — 1 (9 ) Commercial loans — — — — Paid-off loans: Residential mortgage loans — — 1 (53 ) Home equity loans 1 (1 ) — — Commercial real estate loans 4 (41 ) 6 (926 ) Commercial loans 1 (197 ) 6 (219 ) Ending TDR balance: 230 $ 49,113 231 $ 56,184 Accruing TDRs $ 31,015 $ 40,741 Non-accrual TDRs 18,098 15,443 The following table provides a roll forward of troubled debt restructurings for the periods indicated (in thousands): For the six months ended June 30, 2016 2015 Number of contracts Number of contracts Beginning TDR balance: 227 $ 51,115 248 $ 61,788 New TDRs 18 5,011 6 498 Re-modified TDRs 4 1,063 2 130 Net paydowns (2,904 ) (4,440 ) Charge-offs: Residential mortgage loans — — — — Home equity loans — — 3 (99 ) Commercial real estate loans — — 2 (23 ) Commercial loans 1 (43 ) 2 (387 ) Paid-off loans: Residential mortgage loans — — 1 (53 ) Home equity loans 3 (232 ) 1 (6 ) Commercial real estate loans 8 (4,562 ) 8 (1,005 ) Commercial loans 3 (335 ) 6 (219 ) Ending TDR balance: 230 $ 49,113 231 $ 56,184 Accruing TDRs $ 31,015 $ 40,741 Non-accrual TDRs 18,098 15,443 The following table provides information related to troubled debt restructurings (including re-modified TDRs) by portfolio segment and by class of financing receivable during the periods indicated (dollars in thousands): For the quarter ended For the six months ended June 30, 2016 Number of contracts Recorded investment at the time of modification Current recorded investment Current allowance Number of contracts Recorded investment at the time of modification Current recorded investment Current allowance Troubled debt restructurings: Personal Banking: Residential mortgage loans 2 $ 526 525 17 5 $ 1,033 1,028 49 Home equity loans 4 224 191 47 5 280 246 60 Consumer loans — — — — — — — — Total Personal Banking 6 750 716 64 10 1,313 1,274 109 Commercial Banking: Commercial real estate loans 2 812 807 31 4 2,096 2,076 297 Commercial loans 4 963 963 481 8 2,665 1,751 575 Total Commercial Banking 6 1,775 1,770 512 12 4,761 3,827 872 Total 12 $ 2,525 2,486 576 22 $ 6,074 5,101 981 At June 30, 2016, no TDRs modified within the previous twelve months have subsequently defaulted. The following table provides information related to troubled debt restructurings (including re-modified TDRs) by portfolio segment and by class of financing receivable during the periods indicated (dollars in thousands): For the quarter ended For the six months ended June 30, 2015 Number of contracts Recorded investment at the time of modification Current recorded investment Current allowance Number of contracts Recorded investment at the time of modification Current recorded investment Current allowance Troubled debt restructurings: Personal Banking: Residential mortgage loans 2 $ 120 119 — 4 $ 232 230 1 Home equity loans 1 2 2 — 2 87 85 17 Consumer loans — — — — — — — — Total Personal Banking 3 122 121 — 6 319 315 18 Commercial Banking: Commercial real estate loans 1 12 12 1 1 12 12 1 Commercial loans 1 297 294 29 1 297 294 29 Total Commercial Banking 2 309 306 30 2 309 306 30 Total 5 $ 431 427 30 8 $ 628 621 48 Troubled debt restructurings modified within the previous twelve months that have subsequently defaulted: Personal Banking: Residential mortgage loans 1 $ 251 250 — 1 $ 251 250 — Home equity loans 1 23 21 — 1 23 21 — Consumer loans — — — — — — — — Total Personal Banking 2 274 271 — 2 274 271 — Commercial Banking: Commercial real estate loans — — — — — — — — Commercial loans — — — — 1 50 — — Total Commercial Banking — — — — 1 50 — — Total 2 $ 274 271 — 3 $ 324 271 — The following table provides information as of June 30, 2016 for troubled debt restructurings (including re-modified TDRs) by type of modification, by portfolio segment and class of financing receivable for modifications during the quarter ended June 30, 2016 (dollars in thousands): Type of modification Number of contracts Rate Payment Maturity date Other Total Personal Banking: Residential mortgage loans 2 $ — — 525 — 525 Home equity loans 4 68 — — 123 191 Consumer loans — — — — — — Total Personal Banking 6 68 — 525 123 716 Commercial Banking: Commercial real estate loans 2 — 429 378 — 807 Commercial loans 4 — 963 — — 963 Total Commercial Banking 6 — 1,392 378 — 1,770 Total 12 $ 68 1,392 903 123 2,486 The following table provides information as of June 30, 2015 for troubled debt restructurings (including re-modified TDRs) by type of modification, by portfolio segment and class of financing receivable for modifications during the quarter ended June 30, 2015 (dollars in thousands): Type of modification Number of contracts Rate Payment Maturity date Other Total Personal Banking: Residential mortgage loans 2 $ 74 — — 45 119 Home equity loans 1 — — 2 — 2 Consumer loans — — — — — — Total Personal Banking 3 74 — 2 45 121 Commercial Banking: Commercial real estate loans 1 — — 12 — 12 Commercial loans 1 — — 294 — 294 Total Commercial Banking 2 — — 306 — 306 Total 5 $ 74 — 308 45 427 The following table provides information as of June 30, 2016 for troubled debt restructurings (including re-modified TDRs) by type of modification, by portfolio segment and class of financing receivable for modifications during the six months ended June 30, 2016 (dollars in thousands): Type of modification Number of contracts Rate Payment Maturity date Other Total Personal Banking: Residential mortgage loans 5 $ 363 — 617 48 1,028 Home equity loans 5 123 — — 123 246 Other consumer loans — — — — — — Total Personal Banking 10 486 — 617 171 1,274 Commercial Banking: Commercial real estate loans 4 — 429 378 1,269 2,076 Commercial loans 8 — — 963 788 1,751 Total Commercial Banking 12 — 429 1,341 2,057 3,827 Total 22 $ 486 429 1,958 2,228 5,101 The following table provides information as of June 30, 2015 for troubled debt restructurings (including re-modified TDRs) by type of modification, by portfolio segment and class of financing receivable for modifications during the six months ended June 30, 2015 (dollars in thousands): Type of modification Number of contracts Rate Payment Maturity date Other Total Personal Banking: Residential mortgage loans 4 $ 74 — 111 45 230 Home equity loans 2 83 — 2 — 85 Other consumer loans — — — — — — Total Personal Banking 6 157 — 113 45 315 Commercial Banking: Commercial real estate loans 1 — — 12 — 12 Commercial loans 1 — — 294 — 294 Total Commercial Banking 2 — — 306 — 306 Total 8 $ 157 — 419 45 621 The following table provides information related to re-modified troubled debt restructurings by portfolio segment and by class of financing receivable for the quarter ended June 30, 2016 (dollars in thousands): Number of Type of re-modification re-modified TDRs Rate Payment Maturity date Other Total Personal Banking: Residential mortgage loans — $ — — — — — Home equity loans — — — — — — Consumer loans — — — — — — Total Personal Banking — — — — — — Commercial Banking: Commercial real estate loans — — — — — — Commercial loans 3 — 863 — — 863 Total Commercial Banking 3 — 863 — — 863 Total 3 $ — 863 — — 863 The following table provides information related to re-modified troubled debt restructurings by portfolio segment and by class of financing receivable for the quarter ended June 30, 2015 (dollars in thousands): Number of Type of re-modification re-modified TDRs Rate Payment Maturity date Other Total Personal Banking: Residential mortgage loans 1 $ — — — 45 45 Home equity loans — — — — — — Consumer loans — — — — — — Total Personal Banking 1 — — — 45 45 Commercial Banking: Commercial real estate loans — — — — — — Commercial loans — — — — — — Total Commercial Banking — — — — — — Total 1 $ — — — 45 45 The following table provides information related to re-modified troubled debt restructurings by portfolio segment and by class of financing receivable for the six months ended June 30, 2016 (dollars in thousands): Number of Type of re-modification re-modified TDRs Rate Payment Maturity date Other Total Personal Banking: Residential mortgage loans — $ — — — — — Home equity loans — — — — — — Other consumer loans — — — — — — Total Personal Banking — — — — — — Commercial Banking: Commercial real estate loans 1 — — — 191 191 Commercial loans 3 — 863 — — 863 Total Commercial Banking 4 — 863 — 191 1,054 Total 4 $ — 863 — 191 1,054 The following table provides information related to re-modified troubled debt restructurings by portfolio segment and by class of financing receivable for the six months ended June 30, 2015 (dollars in thousands): Number of Type of re-modification re-modified TDRs Rate Payment Maturity date Other Total Personal Banking: Residential mortgage loans 1 $ — — — 45 45 Home equity loans 1 83 — — — 83 Other consumer loans — — — — — — Total Personal Banking 2 83 — — 45 128 Commercial Banking: Commercial real estate loans — — — — — — Commercial loans — — — — — — Total Commercial Banking — — — — — — Total 2 $ 83 — — 45 128 The following table provides information related to loan payment delinquencies at June 30, 2016 (in thousands): 30-59 Days delinquent 60-89 Days delinquent 90 Days or greater delinquent Total delinquency Current Total loans receivable 90 Days or greater delinquent and accruing (1) Originated loans: Personal Banking: Residential mortgage loans $ 2,468 5,360 14,492 22,320 2,692,974 2,715,294 — Home equity loans 4,617 1,291 4,545 10,453 1,029,004 1,039,457 — Consumer loans 6,032 2,068 2,224 10,324 377,789 388,113 — Total Personal Banking 13,117 8,719 21,261 43,097 4,099,767 4,142,864 — Commercial Banking: Commercial real estate loans 3,824 5,623 10,018 19,465 1,960,298 1,979,763 — Commercial loans 402 2,076 4,566 7,044 409,460 416,504 — Total Commercial Banking 4,226 7,699 14,584 26,509 2,369,758 2,396,267 — Total originated loans 17,343 16,418 35,845 69,606 6,469,525 6,539,131 — Acquired loans: Personal Banking: Residential mortgage loans 885 273 554 1,712 40,592 42,304 217 Home equity loans 371 144 877 1,392 121,325 122,717 196 Consumer loans 693 179 175 1,047 157,390 158,437 25 Total Personal Banking 1,949 596 1,606 4,151 319,307 323,458 438 Commercial Banking: Commercial real estate loans 1,004 3,142 5,226 9,372 374,241 383,613 2,284 Commercial loans 131 353 143 627 48,092 48,719 143 Total Commercial Banking 1,135 3,495 5,369 9,999 422,333 432,332 2,427 Total acquired loans 3,084 4,091 6,975 14,150 741,640 755,790 2,865 Total loans $ 20,427 20,509 42,820 83,756 7,211,165 7,294,921 2,865 (1) Represents acquired loans that were originally recorded at fair value upon acquisition. These loans are considered to be accruing because we can reasonably estimate future cash flows on and expect to fully collect the carrying value of these loans. Therefore, we are accreting the difference between the carrying value and their expected cash flows into interest income. The following table provides information related to loan payment delinquencies at December 31, 2015 (in thousands): 30-59 Days delinquent 60-89 Days delinquent 90 Days or greater delinquent Total delinquency Current Total loans receivable 90 Days or Originated loans: Personal Banking: Residential mortgage loans $ 25,503 7,541 15,564 48,608 2,646,568 2,695,176 — Home equity loans 4,870 1,836 5,251 11,957 1,043,950 1,055,907 — Consumer loans 6,092 2,340 2,857 11,289 301,085 312,374 — Total Personal Banking 36,465 11,717 23,672 71,854 3,991,603 4,063,457 — Commercial Banking: Commercial real estate loans 22,212 6,875 14,942 44,029 1,891,128 1,935,157 — Commercial loans 1,703 598 2,449 4,750 356,658 361,408 — Total Commercial Banking 23,915 7,473 17,391 48,779 2,247,786 2,296,565 — Total originated loan 60,380 19,190 41,063 120,633 6,239,389 6,360,022 — Acquired loans: Personal Banking: Residential mortgage loans 440 249 786 1,475 44,241 45,716 540 Home equity loans 936 642 861 2,439 128,760 131,199 462 Consumer loans 1,009 181 69 1,259 206,656 207,915 26 Total Personal Banking 2,385 1,072 1,716 5,173 379,657 384,830 1,028 Commercial Banking: Commercial real estate loans 2,665 1,353 4,089 8,107 408,170 416,277 2,582 Commercial loans 1,165 — 150 1,315 59,677 60,992 140 Total Commercial Banking 3,830 1,353 4,239 9, |