Loans receivable | Loans receivable The following table shows a summary of our loans receivable at September 30, 2016 and December 31, 2015 (in thousands): September 30, 2016 December 31, 2015 Originated Acquired Total Originated Acquired Total Personal Banking: Residential mortgage loans (1) $ 2,678,757 142,360 2,821,117 2,695,561 45,716 2,741,277 Home equity loans 1,028,982 320,123 1,349,105 1,055,907 131,199 1,187,106 Consumer loans 436,847 180,488 617,335 313,220 197,397 510,617 Total Personal Banking 4,144,586 642,971 4,787,557 4,064,688 374,312 4,439,000 Commercial Banking: Commercial real estate loans 2,213,678 422,669 2,636,347 2,094,710 429,564 2,524,274 Commercial loans 486,353 83,433 569,786 372,540 65,175 437,715 Total Commercial Banking 2,700,031 506,102 3,206,133 2,467,250 494,739 2,961,989 Total loans receivable, gross 6,844,617 1,149,073 7,993,690 6,531,938 869,051 7,400,989 Deferred loan costs 18,819 3,510 22,329 14,806 5,259 20,065 Allowance for loan losses (58,024 ) (5,222 ) (63,246 ) (60,970 ) (1,702 ) (62,672 ) Undisbursed loan proceeds: Residential mortgage loans (13,256 ) — (13,256 ) (10,778 ) — (10,778 ) Commercial real estate loans (167,915 ) (3,751 ) (171,666 ) (159,553 ) (13,287 ) (172,840 ) Commercial loans (30,240 ) (2,291 ) (32,531 ) (11,132 ) (4,183 ) (15,315 ) Total loans receivable, net $ 6,594,001 1,141,319 7,735,320 6,304,311 855,138 7,159,449 (1) Includes $30.4 million of loans held for sale at September 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): September 30, December 31, Acquired loans evaluated individually for future credit losses: Outstanding principal balance $ 17,212 $ 21,069 Carrying value 13,641 16,867 Acquired loans evaluated collectively for future credit losses: Outstanding principal balance 1,141,343 848,194 Carrying value 1,132,900 839,973 Total acquired loans: Outstanding principal balance 1,158,555 869,263 Carrying value 1,146,541 856,840 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 (851 ) Net reclassification from nonaccretable yield 1,080 Balance at September 30, 2016 $ 2,248 The following table provides information related to acquired impaired loans by portfolio segment and by class of financing receivable at and for the nine months ended September 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 $ 1,381 2,153 184 1,681 154 Home equity loans 1,407 2,739 8 1,746 150 Consumer loans 169 353 3 218 32 Total Personal Banking 2,957 5,245 195 3,645 336 Commercial Banking: Commercial real estate loans 10,434 11,703 62 11,361 507 Commercial loans 250 264 — 248 8 Total Commercial Banking 10,684 11,967 62 11,609 515 Total $ 13,641 17,212 257 15,254 851 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 September 30, 2016 (in thousands): Balance Current period provision Charge-offs Recoveries Balance Originated loans: Personal Banking: Residential mortgage loans $ 4,002 1,109 (268 ) 139 3,022 Home equity loans 3,519 296 (161 ) 49 3,335 Consumer loans 9,096 3,345 (2,535 ) 362 7,924 Total Personal Banking 16,617 4,750 (2,964 ) 550 14,281 Commercial Banking: Commercial real estate loans 24,530 (1,041 ) (602 ) 487 25,686 Commercial loans 16,877 1,668 (708 ) 561 15,356 Total Commercial Banking 41,407 627 (1,310 ) 1,048 41,042 Total originated loans 58,024 5,377 (4,274 ) 1,598 55,323 Acquired loans: Personal Banking: Residential mortgage loans 78 45 (86 ) 58 61 Home equity loans 1,171 138 (127 ) 32 1,128 Consumer loans 644 212 (166 ) 46 552 Total Personal Banking 1,893 395 (379 ) 136 1,741 Commercial Banking: Commercial real estate loans 2,422 (588 ) (187 ) 32 3,165 Commercial loans 907 354 — 1 552 Total Commercial Banking 3,329 (234 ) (187 ) 33 3,717 Total acquired loans 5,222 161 (566 ) 169 5,458 Total $ 63,246 5,538 (4,840 ) 1,767 60,781 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 September 30, 2015 (in thousands): Balance Current period provision Charge-offs Recoveries Balance Personal Banking: Residential mortgage loans $ 4,587 (14 ) (342 ) 51 4,892 Home equity loans 3,371 274 (443 ) 95 3,445 Consumer loans 7,618 3,000 (2,014 ) 388 6,244 Total Personal Banking 15,576 3,260 (2,799 ) 534 14,581 Commercial Banking: Commercial real estate loans 30,829 111 (558 ) 1,113 30,163 Commercial loans 14,142 (204 ) (595 ) 628 14,313 Total Commercial Banking 44,971 (93 ) (1,153 ) 1,741 44,476 Total $ 60,547 3,167 (3,952 ) 2,275 59,057 The following table provides information related to the allowance for loan losses by portfolio segment and by class of financing receivable for the nine months ended September 30, 2016 (in thousands): Balance Current period provision Charge-offs Recoveries Balance Originated loans: Personal Banking: Residential mortgage loans $ 4,002 1,612 (2,559 ) 257 4,692 Home equity loans 3,519 253 (898 ) 223 3,941 Other consumer loans 9,096 7,368 (6,908 ) 1,148 7,488 Total Personal Banking 16,617 9,233 (10,365 ) 1,628 16,121 Commercial Banking: Commercial real estate loans 24,530 (8,756 ) (2,103 ) 3,041 32,348 Commercial loans 16,877 5,008 (1,704 ) 1,072 12,501 Total Commercial Banking 41,407 (3,748 ) (3,807 ) 4,113 44,849 Total originated loans 58,024 5,485 (14,172 ) 5,741 60,970 Acquired loans: Personal Banking: Residential mortgage loans 78 118 (211 ) 153 18 Home equity loans 1,171 2,093 (1,320 ) 297 101 Other consumer loans 644 925 (528 ) 137 110 Total Personal Banking 1,893 3,136 (2,059 ) 587 229 Commercial Banking: Commercial real estate loans 2,422 1,886 (1,314 ) 411 1,439 Commercial loans 907 890 (24 ) 7 34 Total Commercial Banking 3,329 2,776 (1,338 ) 418 1,473 Total acquired loans 5,222 5,912 (3,397 ) 1,005 1,702 Total $ 63,246 11,397 (17,569 ) 6,746 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 nine months ended September 30, 2015 (in thousands): Balance Current period provision Charge-offs Recoveries Balance Personal Banking: Residential mortgage loans $ 4,587 (220 ) (955 ) 181 5,581 Home equity loans 3,371 (126 ) (1,327 ) 274 4,550 Other consumer loans 7,618 6,135 (5,713 ) 1,078 6,118 Total Personal Banking 15,576 5,789 (7,995 ) 1,533 16,249 Commercial Banking: Commercial real estate loans 30,829 (1,205 ) (5,110 ) 3,755 33,389 Commercial loans 14,142 4,898 (7,675 ) 3,404 13,515 Total Commercial Banking 44,971 3,693 (12,785 ) 7,159 46,904 Unallocated — (4,365 ) — — 4,365 Total $ 60,547 5,117 (20,780 ) 8,692 67,518 At September 30, 2016 , we expect to fully collect the carrying value of our purchased credit impaired 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 purchased credit impaired 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 September 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 $ 2,819,013 4,080 17,919 — 7,174 735 — Home equity loans 1,349,105 4,690 8,100 — 1,962 471 3 Consumer loans 628,512 9,740 4,279 95 — — — Total Personal Banking 4,796,630 18,510 30,298 95 9,136 1,206 3 Commercial Banking: Commercial real estate loans 2,464,681 26,952 42,066 — 26,435 2,038 280 Commercial loans 537,255 17,784 13,908 8 11,024 1,453 17 Total Commercial Banking 3,001,936 44,736 55,974 8 37,459 3,491 297 Total $ 7,798,566 63,246 86,272 103 46,595 4,697 300 (1) Includes $17.4 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 September 30, 2016 (in thousands): Pennsylvania New York Ohio Maryland Other Total Loans receivable: Personal Banking: Residential mortgage loans $ 2,285,555 286,147 70,507 121,013 55,791 2,819,013 Home equity loans 858,767 284,095 146,040 22,713 37,490 1,349,105 Consumer loans 268,458 71,558 117,944 1,996 168,556 628,512 Total Personal Banking 3,412,780 641,800 334,491 145,722 261,837 4,796,630 Commercial Banking: Commercial real estate loans 967,962 875,066 464,068 113,605 43,980 2,464,681 Commercial loans 365,924 95,997 55,758 7,034 12,542 537,255 Total Commercial Banking 1,333,886 971,063 519,826 120,639 56,522 3,001,936 Total $ 4,746,666 1,612,863 854,317 266,361 318,359 7,798,566 Percentage of total loans receivable 60.9 % 20.6 % 11.0 % 3.4 % 4.1 % 100.0 % The following table provides delinquency information related to the loan portfolio by portfolio segment and class of financing receivable at September 30, 2016 (in thousands): Pennsylvania New York Ohio Maryland Other Total Loans 90 or more days delinquent: (1) Personal Banking: Residential mortgage loans $ 9,380 1,627 831 1,229 411 13,478 Home equity loans 3,064 1,039 1,405 469 45 6,022 Consumer loans 2,951 122 58 — 241 3,372 Total Personal Banking 15,395 2,788 2,294 1,698 697 22,872 Commercial Banking: Commercial real estate loans 7,209 2,697 8,261 110 6,256 24,533 Commercial loans 5,061 137 942 109 — 6,249 Total Commercial Banking 12,270 2,834 9,203 219 6,256 30,782 Total $ 27,665 5,622 11,497 1,917 6,953 53,654 Percentage of total loans 90 or more days delinquent 51.5 % 10.5 % 21.4 % 3.6 % 13.0 % 100.0 % (1) Includes $2.9 million of purchased credit impaired 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 purchased credit impaired 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 nine months ended September 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 $ 13,242 4,677 — 6,330 24,249 24,401 819 Home equity loans 5,874 2,226 — 1,476 9,576 9,155 368 Consumer loans 3,354 925 — — 4,279 3,322 116 Total Personal Banking 22,470 7,828 — 7,806 38,104 36,878 1,303 Commercial Banking: Commercial real estate loans 22,155 19,911 4,838 10,929 57,833 67,422 2,258 Commercial loans 6,105 7,803 2,893 3,634 20,435 17,158 733 Total Commercial Banking 28,260 27,714 7,731 14,563 78,268 84,580 2,991 Total $ 50,730 35,542 7,731 22,369 116,372 121,458 4,294 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 September 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 $ 2,810,996 8,017 8,017 735 — Home equity loans 1,347,143 1,962 1,962 471 — Consumer loans 628,438 74 74 17 — Total Personal Banking 4,786,577 10,053 10,053 1,223 — Commercial Banking: Commercial real estate loans 2,424,492 40,189 32,587 3,636 7,602 Commercial loans 525,006 12,249 12,249 1,513 — Total Commercial Banking 2,949,498 52,438 44,836 5,149 7,602 Total $ 7,736,075 62,491 54,889 6,372 7,602 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 September 30, 2016 2015 Number of contracts Amount Number of contracts Amount Beginning TDR balance: 230 $ 49,113 231 $ 56,184 New TDRs 5 245 5 2,273 Re-modified TDRs 1 799 1 6,316 Net paydowns (1,781 ) (7,096 ) Charge-offs: Residential mortgage loans — — — — Home equity loans — — 1 (60 ) Commercial real estate loans — — 1 (5 ) Commercial loans 1 (99 ) — — Paid-off loans: Residential mortgage loans 3 (143 ) — — Home equity loans 2 (264 ) 2 (75 ) Commercial real estate loans 8 (1,022 ) 6 (8,122 ) Commercial loans 3 (253 ) 2 (77 ) Ending TDR balance: 218 $ 46,595 224 $ 49,338 Accruing TDRs $ 29,221 $ 26,154 Non-accrual TDRs 17,374 23,184 The following table provides a roll forward of troubled debt restructurings for the periods indicated (in thousands): For the nine months ended September 30, 2016 2015 Number of contracts Number of contracts Beginning TDR balance: 227 $ 51,115 248 $ 61,788 New TDRs 23 5,256 11 2,772 Re-modified TDRs 5 1,862 3 6,446 Net paydowns (4,685 ) (11,537 ) Charge-offs: Residential mortgage loans — — — — Home equity loans — — 4 (159 ) Commercial real estate loans — — 3 (28 ) Commercial loans 2 (142 ) 2 (387 ) Paid-off loans: Residential mortgage loans 3 (143 ) 1 (53 ) Home equity loans 5 (496 ) 3 (81 ) Commercial real estate loans 16 (5,584 ) 14 (9,127 ) Commercial loans 6 (588 ) 8 (296 ) Ending TDR balance: 218 $ 46,595 224 $ 49,338 Accruing TDRs $ 29,221 $ 26,154 Non-accrual TDRs 17,374 23,184 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 nine months ended September 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 1 $ 9 8 1 6 $ 1,041 1,031 105 Home equity loans 1 3 3 1 6 284 281 60 Consumer loans — — — — — — — — Total Personal Banking 2 12 11 2 12 1,325 1,312 165 Commercial Banking: Commercial real estate loans 1 154 153 11 5 2,250 2,218 295 Commercial loans 3 878 877 64 11 3,543 2,591 632 Total Commercial Banking 4 1,032 1,030 75 16 5,793 4,809 927 Total 6 $ 1,044 1,041 77 28 $ 7,118 6,121 1,092 Troubled debt restructurings modified within the previous twelve months that have subsequently defaulted: Personal Banking: Residential mortgage loans — $ — — — — $ — — — Home equity loans — — — — — — — — Consumer loans — — — — — — — — Total Personal Banking — — — — — — — — Commercial Banking Commercial real estate loans 1 6,256 6,113 893 — — — — Commercial loans — — — — — — — — Total Commercial Banking 1 6,256 6,113 893 — — — — Total 1 $ 6,256 6,113 893 — $ — — — 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 nine months ended September 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 — $ — — — 4 $ 232 228 — Home equity loans — — — — 2 87 85 17 Consumer loans — — — — — — — — Total Personal Banking — — — — 6 319 313 17 Commercial Banking: Commercial real estate loans 5 8,563 8,511 980 6 8,575 8,522 981 Commercial loans 1 26 25 3 2 324 313 31 Total Commercial Banking 6 8,589 8,536 983 8 8,899 8,835 1,012 Total 6 $ 8,589 8,536 983 14 $ 9,218 9,148 1,029 Troubled debt restructurings modified within the previous twelve months that have subsequently defaulted: Personal Banking: Residential mortgage loans — $ — — — 1 $ 251 249 — Home equity loans — — — — 1 23 20 — Consumer loans — — — — — — — — Total Personal Banking — — — — 2 274 269 — Commercial Banking: Commercial real estate loans — — — — — — — — Commercial loans — — — — — — — — Total Commercial Banking — — — — — — — — Total — $ — — — 2 $ 274 269 — The following table provides information as of September 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 September 30, 2016 (dollars in thousands): Type of modification Number of contracts Rate Payment Maturity date Other Total Personal Banking: Residential mortgage loans 1 $ — — 8 — 8 Home equity loans 1 — — 3 — 3 Consumer loans — — — — — — Total Personal Banking 2 — — 11 — 11 Commercial Banking: Commercial real estate loans 1 — — 153 — 153 Commercial loans 3 — 799 78 — 877 Total Commercial Banking 4 — 799 231 — 1,030 Total 6 $ — 799 242 — 1,041 The following table provides information as of September 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 September 30, 2015 (dollars in thousands): Type of modification Number of contracts 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 5 180 — 8,331 — 8,511 Commercial loans 1 — — 25 — 25 Total Commercial Banking 6 180 — 8,356 — 8,536 Total 6 $ 180 — 8,356 — 8,536 The following table provides information as of September 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 nine months ended September 30, 2016 (dollars in thousands): Type of modification Number of contracts Rate Payment Maturity date Other Total Personal Banking: Residential mortgage loans 6 $ 361 — 622 48 1,031 Home equity loans 6 121 — 3 157 281 Other consumer loans — — — — — — Total Personal Banking 12 482 — 625 205 1,312 Commercial Banking: Commercial real estate loans 5 — 429 535 1,254 2,218 Commercial loans 11 — 799 1,042 750 2,591 Total Commercial Banking 16 — 1,228 1,577 2,004 4,809 Total 28 $ 482 1,228 2,202 2,209 6,121 The following table provides information as of September 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 nine months ended September 30, 2015 (dollars in thousands): Type of modification Number of contracts Rate Payment Maturity date Other Total Personal Banking: Residential mortgage loans 4 $ 73 — 110 45 228 Home equity loans 2 83 — 2 — 85 Other consumer loans — — — — — — Total Personal Banking 6 156 — 112 45 313 Commercial Banking: Commercial real estate loans 6 180 — 8,342 — 8,522 Commercial loans 2 — — 313 — 313 Total Commercial Banking 8 180 — 8,655 — 8,835 Total 14 $ 336 — 8,767 45 9,148 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 September 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 1 — 799 — — 799 Total Commercial Banking 1 — 799 — — 799 Total 1 $ — 799 — — 799 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 September 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 — $ — — — — — Home equity loans — — — — — — Consumer loans — — — — — — Total Personal Banking — — — — — — Commercial Banking: Commercial real estate loans 1 — — 6,270 — 6,270 Commercial loans — — — — — — Total Commercial Banking 1 — — 6,270 — 6,270 Total 1 $ — — 6,270 — 6,270 The following table provides information related to re-modified troubled debt restructurings by portfolio segment and by class of financing receivable for the nine months ended September 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 — — — 182 182 Commercial loans 4 — 1,662 — — 1,662 Total Commercial Banking 5 — 1,662 — 182 1,844 Total 5 $ — 1,662 — 182 1,844 The following table provides information related to re-modified troubled debt restructurings by portfolio segment and by class of financing receivable for the nine months ended September 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 1 — — 6,270 — 6,270 Commercial loans — — — — — — Total Commercial Banking 1 — — 6,270 — 6,270 Total 3 $ 83 — 6,270 45 6,398 The following table provides information related to loan payment delinquencies at September 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 $ 3,322 5,568 12,855 21,745 2,654,908 2,676,653 — Home equity loans 4,130 910 4,817 9,857 1,019,125 1,028,982 — Consumer loans 6,565 2,368 3,163 12,096 432,418 444,514 — Total Personal Banking 14,017 8,846 20,835 43,698 4,106,451 4,150,149 — Commercial Banking: Commercial real estate loans 3,432 487 16,698 20,617 2,025,146 2,045,763 — Commercial loans 1,270 443 5,309 7,022 449,091 456,113 — Total Commercial Banking 4,702 930 22,007 27,639 2,474,237 2,501,876 — Total originated loans 18,719 9,776 42,842 71,337 6,580,688 6,652,025 — Acquired loans: Personal Banking: Residential mortgage loans 58 606 623 1,287 141,073 142,360 235 Home equity loans 854 235 1,205 2,294 317,829 320,123 148 Consumer loans 1,018 305 209 1,532 182,466 183,998 18 Total Personal Banking 1,930 1,146 2,037 5,113 641,368 646,481 401 Commercial Banking: Commercial real estate loans 423 615 7,835 8,873 410,045 418,918 2,378 Commercial loans 223 151 940 1,314 79,828 81,142 144 Total Commercial Banking 646 766 8,775 10,187 489,873 500,060 2,522 Total acquired loans 2,576 1,912 10,812 15,300 1,131,241 1,146,541 2,923 Total loans $ 21,295 11,688 53,654 86,637 7,711,929 7,798,566 2,923 (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 11,289 306,344 317,633 — Total Personal Banking 36,465 11,717 23,672 71,854 3,996,862 4,068,716 — Commercial Banking: Commercial real estate loans 22,212 6,875 |