Loans receivable | Loans receivable The following table shows a summary of our loans receivable at June 30, 2017 and December 31, 2016 (in thousands): June 30, 2017 December 31, 2016 Originated Acquired Total Originated Acquired Total Personal Banking: Residential mortgage loans (1) $ 2,625,450 124,394 2,749,844 2,582,218 133,511 2,715,729 Home equity loans 1,022,522 278,510 1,301,032 1,026,315 302,457 1,328,772 Consumer loans 519,659 125,773 645,432 467,637 163,622 631,259 Total Personal Banking 4,167,631 528,677 4,696,308 4,076,170 599,590 4,675,760 Commercial Banking: Commercial real estate loans 2,194,165 332,109 2,526,274 2,140,678 372,991 2,513,669 Commercial loans 537,429 75,290 612,719 481,543 75,676 557,219 Total Commercial Banking 2,731,594 407,399 3,138,993 2,622,221 448,667 3,070,888 Total loans receivable, gross 6,899,225 936,076 7,835,301 6,698,391 1,048,257 7,746,648 Deferred loan costs 22,470 2,131 24,601 20,081 2,294 22,375 Allowance for loan losses (56,627 ) (6,258 ) (62,885 ) (55,293 ) (5,646 ) (60,939 ) Undisbursed loan proceeds: Residential mortgage loans (11,281 ) — (11,281 ) (11,638 ) — (11,638 ) Commercial real estate loans (127,067 ) (2,544 ) (129,611 ) (168,595 ) (2,985 ) (171,580 ) Commercial loans (30,894 ) (1,379 ) (32,273 ) (26,168 ) (2,290 ) (28,458 ) Total loans receivable, net $ 6,695,826 928,026 7,623,852 6,456,778 1,039,630 7,496,408 (1) Includes $10.3 million and $9.6 million of loans held for sale at June 30, 2017 and December 31, 2016, respectively. 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 $ 13,099 16,108 Carrying value 10,054 12,665 Acquired loans evaluated collectively for future credit losses: Outstanding principal balance 931,526 1,040,378 Carrying value 924,230 1,032,611 Total acquired loans: Outstanding principal balance 944,625 1,056,486 Carrying value 934,284 1,045,276 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, 2015 $ 2,019 Accretion (1,170 ) Net reclassification from nonaccretable yield 1,338 Balance at December 31, 2016 2,187 Accretion (883 ) Net reclassification from nonaccretable yield 289 Balance at June 30, 2017 $ 1,593 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, 2017 (in thousands): Carrying value Outstanding principal balance Related impairment reserve Average recorded investment in impaired loans Interest income recognized Personal Banking: Residential mortgage loans $ 1,241 1,955 71 1,280 88 Home equity loans 1,174 2,288 9 1,268 96 Consumer loans 90 222 3 113 29 Total Personal Banking 2,505 4,465 83 2,661 213 Commercial Banking: Commercial real estate loans 7,445 8,519 101 8,521 658 Commercial loans 104 115 — 178 12 Total Commercial Banking 7,549 8,634 101 8,699 670 Total $ 10,054 13,099 184 11,360 883 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, 2016 (in thousands): Carrying Outstanding Related Average Interest Personal Banking: Residential mortgage loans $ 1,319 2,062 204 1,650 202 Home equity loans 1,363 2,669 8 1,724 185 Consumer loans 136 303 3 201 51 Total Personal Banking 2,818 5,034 215 3,575 438 Commercial Banking: Commercial real estate loans 9,596 10,809 52 10,942 721 Commercial loans 251 265 — 249 11 Total Commercial Banking 9,847 11,074 52 11,191 732 Total $ 12,665 16,108 267 14,766 1,170 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, 2017 (in thousands): Balance Current period provision Charge-offs Recoveries Balance Originated loans: Personal Banking: Residential mortgage loans $ 4,635 217 (314 ) 94 4,638 Home equity loans 2,957 295 (343 ) 16 2,989 Consumer loans 9,747 2,187 (3,393 ) 524 10,429 Total Personal Banking 17,339 2,699 (4,050 ) 634 18,056 Commercial Banking: Commercial real estate loans 22,584 1,488 (72 ) 533 20,635 Commercial loans 16,704 1,519 (708 ) 494 15,399 Total Commercial Banking 39,288 3,007 (780 ) 1,027 36,034 Total originated loans 56,627 5,706 (4,830 ) 1,661 54,090 Acquired loans: Personal Banking: Residential mortgage loans 85 26 (58 ) 39 78 Home equity loans 623 7 (346 ) 30 932 Consumer loans 628 (103 ) (124 ) 24 831 Total Personal Banking 1,336 (70 ) (528 ) 93 1,841 Commercial Banking: Commercial real estate loans 2,446 (1,266 ) (257 ) 256 3,713 Commercial loans 2,476 1,192 (221 ) 45 1,460 Total Commercial Banking 4,922 (74 ) (478 ) 301 5,173 Total acquired loans 6,258 (144 ) (1,006 ) 394 7,014 Total $ 62,885 5,562 (5,836 ) 2,055 61,104 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 six months ended June 30, 2017 (in thousands): Balance Current period provision Charge-offs Recoveries Balance Originated loans: Personal Banking: Residential mortgage loans $ 4,635 184 (467 ) 262 4,656 Home equity loans 2,957 (112 ) (518 ) 101 3,486 Other consumer loans 9,747 7,537 (6,646 ) 882 7,974 Total Personal Banking 17,339 7,609 (7,631 ) 1,245 16,116 Commercial Banking: Commercial real estate loans 22,584 (1,459 ) (335 ) 711 23,667 Commercial loans 16,704 1,928 (1,654 ) 920 15,510 Total Commercial Banking 39,288 469 (1,989 ) 1,631 39,177 Total originated loans 56,627 8,078 (9,620 ) 2,876 55,293 Acquired loans: Personal Banking: Residential mortgage loans 85 141 (195 ) 68 71 Home equity loans 623 188 (820 ) 208 1,047 Other consumer loans 628 299 (531 ) 207 653 Total Personal Banking 1,336 628 (1,546 ) 483 1,771 Commercial Banking: Commercial real estate loans 2,446 (601 ) (468 ) 507 3,008 Commercial loans 2,476 2,094 (542 ) 57 867 Total Commercial Banking 4,922 1,493 (1,010 ) 564 3,875 Total acquired loans 6,258 2,121 (2,556 ) 1,047 5,646 Total $ 62,885 10,199 (12,176 ) 3,923 60,939 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 At June 30, 2017 , 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 June 30, 2017 (in thousands): Total loans receivable Allowance for loan losses Nonaccrual loans (1) Loans past due 90 days or more and still accruing (2) TDRs (3) Allowance related to TDRs Additional commitments to customers with loans classified as TDRs Personal Banking: Residential mortgage loans $ 2,750,471 4,720 13,555 — 7,684 811 — Home equity loans 1,301,032 3,580 6,392 — 1,725 425 5 Consumer loans 658,125 10,375 3,699 173 — — — Total Personal Banking 4,709,628 18,675 23,646 173 9,409 1,236 5 Commercial Banking: Commercial real estate loans 2,396,663 25,030 40,191 — 25,719 1,989 113 Commercial loans 580,446 19,180 8,936 9 6,732 778 67 Total Commercial Banking 2,977,109 44,210 49,127 9 32,451 2,767 180 Total $ 7,686,737 62,885 72,773 182 41,860 4,003 185 (1) Includes $17.9 million of nonaccrual TDRs. (2) Represents loans 90 days past maturity and still accruing. (3) Includes $17.9 million of nonaccrual, and $24.0 million of accruing TDRs. The following table provides information related to the loan portfolio by portfolio segment and by class of financing receivable at December 31, 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 (3) Allowance related to TDRs Additional commitments to customers with loans classified as TDRs Personal Banking: Residential mortgage loans $ 2,714,764 4,727 18,264 — 7,299 708 — Home equity loans 1,328,772 4,533 7,865 — 1,813 450 4 Consumer loans 642,961 8,627 5,109 85 — — — Total Personal Banking 4,686,497 17,887 31,238 85 9,112 1,158 4 Commercial Banking: Commercial real estate loans 2,342,089 26,675 38,724 564 24,483 2,072 417 Commercial loans 528,761 16,377 9,574 — 9,331 1,360 17 Total Commercial Banking 2,870,850 43,052 48,298 564 33,814 3,432 434 Total $ 7,557,347 60,939 79,536 649 42,926 4,590 438 (1) Includes $16.3 million of nonaccrual TDRs. (2) Represents loans 90 days past maturity and still accruing. (3) Includes $16.3 million of nonaccrual, and $26.6 million of accruing TDRs. 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, 2017 (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 $ 11,637 1,918 — 6,681 20,236 22,013 475 Home equity loans 5,744 648 — 1,363 7,755 8,924 216 Consumer loans 2,809 890 — — 3,699 4,412 94 Total Personal Banking 20,190 3,456 — 8,044 31,690 35,349 785 Commercial Banking: Commercial real estate loans 21,295 18,896 5,541 7,638 53,370 53,755 898 Commercial loans 3,642 5,294 982 2,581 12,499 12,868 389 Total Commercial Banking 24,937 24,190 6,523 10,219 65,869 66,623 1,287 Total $ 45,127 27,646 6,523 18,263 97,559 101,972 2,072 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, 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 $ 13,169 5,095 — 5,929 24,193 24,483 1,079 Home equity loans 5,552 2,313 — 1,439 9,304 9,234 496 Consumer loans 3,823 1,286 — — 5,109 3,703 166 Total Personal Banking 22,544 8,694 — 7,368 38,606 37,420 1,741 Commercial Banking: Commercial real estate loans 19,264 19,460 3,622 11,582 53,928 64,350 2,864 Commercial loans 3,373 6,201 2,837 3,116 15,527 16,905 991 Total Commercial Banking 22,637 25,661 6,459 14,698 69,455 81,255 3,855 Total $ 45,181 34,355 6,459 22,066 108,061 118,675 5,596 The following table provides information related to the evaluation of impaired loans by portfolio segment and by class of financing receivable at June 30, 2017 (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 $ 2,742,121 8,350 8,350 812 — Home equity loans 1,299,307 1,725 1,725 425 — Consumer loans 658,008 117 117 31 — Total Personal Banking 4,699,436 10,192 10,192 1,268 — Commercial Banking: Commercial real estate loans 2,363,904 32,759 27,232 3,168 5,527 Commercial loans 570,713 9,733 9,215 1,295 518 Total Commercial Banking 2,934,617 42,492 36,447 4,463 6,045 Total $ 7,634,053 52,684 46,639 5,731 6,045 The following table provides information related to the evaluation of impaired loans by portfolio segment and by class of financing receivable at December 31, 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 $ 2,706,484 8,280 8,280 709 — Home equity loans 1,326,958 1,814 1,814 450 — Consumer loans 642,835 126 126 29 — Total Personal Banking 4,676,277 10,220 10,220 1,188 — Commercial Banking: Commercial real estate loans 2,309,186 32,903 27,594 3,545 5,309 Commercial loans 518,449 10,312 10,242 1,390 70 Total Commercial Banking 2,827,635 43,215 37,836 4,935 5,379 Total $ 7,503,912 53,435 48,056 6,123 5,379 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 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, 2017 2016 Number of contracts Amount Number of contracts Amount Beginning TDR balance: 224 $ 43,578 227 $ 48,248 New TDRs 1 348 9 1,662 Re-modified TDRs 1 445 3 863 Net paydowns (1,458 ) (1,421 ) Charge-offs: Residential mortgage loans — — — — Home equity loans — — — — Commercial real estate loans — — — — Commercial loans 5 (158 ) — — Paid-off loans: Residential mortgage loans — — — — Home equity loans 4 (32 ) 1 (1 ) Commercial real estate loans 8 (480 ) 4 (41 ) Commercial loans 5 (383 ) 1 (197 ) Ending TDR balance: 203 $ 41,860 230 $ 49,113 Accruing TDRs $ 23,987 $ 31,015 Non-accrual TDRs 17,873 18,098 The following table provides a roll forward of troubled debt restructuring for the periods indicated (in thousands): For the six months ended June 30, 2017 2016 Number of contracts Number of contracts Beginning TDR balance: 225 $ 42,926 227 $ 51,115 New TDRs 7 4,139 18 5,011 Re-modified TDRs 1 445 4 1,063 Net paydowns (2,681 ) (2,904 ) Charge-offs: Residential mortgage loans — — — — Home equity loans — — — — Commercial real estate loans — — — — Commercial loans 6 (259 ) 1 (43 ) Paid-off loans: Residential mortgage loans — — — — Home equity loans 5 (32 ) 3 (232 ) Commercial real estate loans 10 (545 ) 8 (4,562 ) Commercial loans 8 (2,133 ) 3 (335 ) Ending TDR balance: 203 $ 41,860 230 $ 49,113 Accruing TDRs $ 23,987 $ 31,015 Non-accrual TDRs 17,873 18,098 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, 2017 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 $ 445 431 45 3 $ 894 877 92 Home equity loans — — — — — — — — Consumer loans — — — — — — — — Total Personal Banking 1 445 431 45 3 894 877 92 Commercial Banking: Commercial real estate loans 1 348 343 25 4 3,486 3,198 294 Commercial loans — — — — 1 204 192 14 Total Commercial Banking 1 348 343 25 5 3,690 3,390 308 Total 2 $ 793 774 70 8 $ 4,584 4,267 400 During the quarter and six months ended June 30, 2017 , 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, 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 During the quarter and six months ended June 30, 2016 , no TDRs modified within the previous twelve months have subsequently defaulted. The following table provides information as of June 30, 2017 for troubled debt restructuring (including re-modified TDRs) by type of modification, by portfolio segment and class of financing receivable for modifications during the quarter ended June 30, 2017 (dollars in thousands): Type of modification Number of contracts Rate Payment Maturity date Other Total Personal Banking: Residential mortgage loans 1 $ — — — 431 431 Home equity loans — — — — — — Consumer loans — — — — — — Total Personal Banking 1 — — — 431 431 Commercial Banking: Commercial real estate loans 1 — — 343 — 343 Commercial loans — — — — — — Total Commercial Banking 1 — — 343 — 343 Total 2 $ — — 343 431 774 The following table provides information as of June 30, 2016 for troubled debt restructuring (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, 2017 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, 2017 (dollars in thousands): Type of modification Number of contracts Rate Payment Maturity date Other Total Personal Banking: Residential mortgage loans 3 $ 111 — — 766 877 Home equity loans — — — — — — Other consumer loans — — — — — — Total Personal Banking 3 111 — — 766 877 Commercial Banking: Commercial real estate loans 4 — 2,732 466 — 3,198 Commercial loans 1 — — 192 — 192 Total Commercial Banking 5 — 2,732 658 — 3,390 Total 8 $ 111 2,732 658 766 4,267 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 related to re-modified troubled debt restructuring by portfolio segment and by class of financing receivable for the quarter ended June 30, 2017 (dollars in thousands): Type of re-modification Number of re-modified TDRs Rate Payment Maturity date Other Total Personal Banking: Residential mortgage loans 1 $ — — — 431 431 Home equity loans — — — — — — Consumer loans — — — — — — Total Personal Banking 1 — — — 431 431 Commercial Banking: Commercial real estate loans — — — — — — Commercial loans — — — — — — Total Commercial Banking — — — — — — Total 1 $ — — — 431 431 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): Type of re-modification Number of 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 six months ended June 30, 2017 (in thousands): Type of re-modification Number of re-modified TDRs Rate Payment Maturity date Other Total Personal Banking: Residential mortgage loans 1 $ — — — 431 431 Home equity loans — — — — — — Other consumer loans — — — — — — Total Personal Banking 1 — — — 431 431 Commercial Banking: Commercial real estate loans — — — — — — Commercial loans — — — — — — Total Commercial Banking — — — — — — Total 1 $ — — — 431 431 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): Type of re-modification Number of 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 loan payment delinquencies at June 30, 2017 (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 $ 2,892 5,847 11,158 19,897 2,606,180 2,626,077 — Home equity loans 3,698 1,193 4,405 9,296 1,013,226 1,022,522 — Consumer loans 7,770 2,970 2,549 13,289 516,932 530,221 — Total Personal Banking 14,360 10,010 18,112 42,482 4,136,338 4,178,820 — Commercial Banking: Commercial real estate loans 4,189 2,520 18,437 25,146 2,041,952 2,067,098 — Commercial loans 346 109 2,905 3,360 503,175 506,535 — Total Commercial Banking 4,535 2,629 21,342 28,506 2,545,127 2,573,633 — Total originated loans 18,895 12,639 39,454 70,988 6,681,465 6,752,453 — Acquired loans: Personal Banking: Residential mortgage loans 1 473 895 1,369 123,025 124,394 416 Home equity loans 360 329 1,395 2,084 276,426 278,510 56 Consumer loans 808 264 272 1,344 126,560 127,904 12 Total Personal Banking 1,169 1,066 2,562 4,797 526,011 530,808 484 Commercial Banking: Commercial real estate loans 440 848 3,607 4,895 324,670 329,565 749 Commercial loans 1,032 90 737 1,859 72,052 73,911 — Total Commercial Banking 1,472 938 4,344 6,754 396,722 403,476 749 Total acquired loans 2,641 2,004 6,906 11,551 922,733 934,284 1,233 Total loans $ 21,536 14,643 46,360 82,539 7,604,198 7,686,737 1,233 (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, 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 Originated loans: Personal Banking: Residential mortgage loans $ 26,212 5,806 12,792 44,810 2,536,443 2,581,253 — Home equity loans 5,785 1,305 4,783 11,873 1,014,442 1,026,315 — Consumer loans 8,598 3,204 3,518 15,320 461,725 477,045 — Total Personal Banking 40,595 10,315 21,093 72,003 4,012,610 4,084,613 — Commercial Banking: Commercial real estate loans 7,674 3,674 16,508 27,856 1,944,227 1,972,083 — Commercial loans 1,067 1,957 3,107 6,131 449,244 455,375 — Total Commercial Banking 8,741 5,631 19,615 33,987 2,393,471 2,427,458 — Total originated loan 49,336 15,946 40,708 105,990 6,406,081 6,512,071 — Acquired loans: Personal Banking: Residential mortgage loans 1,174 421 829 2,424 131,087 133,511 452 Home equity loans 1,020 258 973 2,251 300,206 302,457 204 Consumer loans 1,270 405 320 1,995 163,921 165,916 15 Total Personal Banking 3,464 1,084 2,122 6,670 595,214 601,884 671 Commercial Banking: Commercial real estate loans 2,703 821 4,762 8,286 361,720 370,006 2,006 Commercial loans 111 124 413 648 72,738 73,386 147 Total Commercial Banking 2,814 945 5,175 8,934 434,458 443,392 2,153 Total acquired loan 6,278 2,029 7,297 15,604 1,029,672 1,045,276 2,824 Total $ 55,614 17,975 48,005 121,594 7,435,753 7,557,347 2,824 (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. Credit quality indicators : We categorize loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. We analyze loans individually by classifying the loans by credit risk. Credit relationships greater than or equal to $1.0 million classified as special mention or substandard are reviewed quarterly for deterioration or improvement to determine if the loan is appropriately classified. We use the following definitions for risk ratings other than pass: Special mention — Loans designated as special mention have specific, well-defined risk issues, which create a high level of uncertainty regarding the long-term viability of the business. Loans in this class are considered to have high-risk characteristics. A special mention loan exhibits material negative financial trends due to company-specific or systemic conditions. If these potential weaknesses are not mitigated, they threaten the borrower’s capacity to meet its debt obligations. Special mention loans still demonstrate sufficient financial flexibility to react to and positively address the root cause of the adverse financial trends without significant deviations from their current business strategy. Their potential weaknesses deserve our close attention and warrant enhanced monitoring. Substandard — Loans classified as substandard are inadequately protected by the current net worth and payment capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that we will sustain some loss if the deficiencies are not corrected. Doubtful — Loans classified as doubtful have all the weaknesses inherent in those classified as substandard. In addition, those weaknesses make collection or liquidation in full highly questionable and improbable. A loan classified as doubtful exhibits discernible loss potential, but a complet |